The Musings Of An Opinionated Sod [Help Me Grow!]


Trust Is Nothing Without Respect …

So, I have been a customer of ING Bank in Australia, for over 30 years.

THIRTY.

Given I have moved countries so often, I have had to update my country of residence many times – so when I received an email in December, asking me to ‘check my information’ for the banks legal requirements, I took it all in my stride.

Unsuprisingly, my information was – having updated it when we moved to NZ – was up to date and when I confirmed, I got a notification telling me all was good.

So imagine my surprise when in January, I received this …

I have no idea why my ‘document’ was not accepted, when [1] at the time it said it was and [2] it is the same one they have had on file for years – but I went to the website, as they requested, to provide another only to find this when I logged in.

ACCOUNT INACTIVE.

The bank, without letting me know in advance, had frozen my bank account.

Ice cold. Can’t access my money. Can’t spend my money.

What the actual fuck?!

To make matters even worse, they didn’t have any place where I could ‘update’ my information and so I found myself on hold for THREE HOURS.

Now, I appreciate there is anti-money laundering rules that need to be maintained but there’s 3 things I don’t understand.

Why did they freeze my account before asking me for other paperwork?
Why wasn’t my paperwork accepted given it has been fine for decades?
Why don’t they get their own shit in order before bullying their customers …

What do I mean by that last point?

2018 Dutch Settlement:
ING paid €775 million to settle charges with the Netherlands Public Prosecution Service for allowing clients to launder money for years, citing serious flaws in their counter-terrorism financing systems.

Systemic Failures:
Prosecutors identified instances where accounts were used for illicit activities, such as a lingerie trader laundering €150 million, which the bank’s systems should have flagged.

Regulatory Action:
The Dutch Central Bank oversaw corrective actions, and ING accepted responsibility, vowing to improve compliance.

Executive Liability:
While the large fine resolved the organizational charges, Dutch prosecutors later dropped criminal cases against former executives, including CEO Ralph Hamers, due to insufficient evidence for criminal liability, though they noted insufficient steps were taken.

2025:
ING faced new scrutiny in early 2025 over its role in a case involving former EU Commissioner Didier Reynders, with investigations into whether the bank failed to report suspicious activities related to him.

Other Jurisdictions:
ING Spain also received a fine in March 2025 for serious AML failings.

Yep, the bank that wants its customers to comply with money laundering rules has consistently failed to comply with money laundering rules … except where mine was a paperwork issue, theirs was an illegal activity issue.

Financial institutions consistently like to present themselves as ‘caring about their customers’, but the reality is the vast majority only care about themselves and their richest customers.

In that order.

Is it any surprise so many people are turning to things like bitcoin?

Sure, the risks are high but at least there’s a chance you could strike it rich whereas with so many financial institutions, they use fees, interest rates and access to keep so many exactly where they are.

Or worse.

Now I appreciate I am generalizing here.

I get many of the people who work in banks are decent people who are caught in the same situation as many out there. [And the person I dealt with at ING was very helpful and understanding … even when I took her through all of ING’s ‘mistakes]

But when people feel they are forever being spoken at, rather than listened to … there’s a point where people have as much interest in financial organizations as they offer their customers.

Which, according to a letter I received from ANZ Australia, is 0.01%.

The banking system operates on trust and confidence. What a shame those principals don’t extend to how banks see customers. Especially customers who have never done anything wrong for 3 bloody decades.

Well, ING lost one today.

Not because they wanted more paperwork from me but because they made a decision – that could have had a huge impact on me – without even discussing it with me. And if they can do that over a relatively minor issue, which – let’s not forget – their system had told me was ‘upto date’, then why would I ever believe I can trust my money is safe with them?

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Why We Need To Remember Every Family Is Weirdly Perfect … Including Yours.

A few years ago, I wrote about how some people think they have the right to judge your kid.

And your parenting.

I also noted how I’d been suckered into validating their commentary.

Until I came to my senses.

The story is Otis was – and still is – an energetic kid.

When we lived in Shanghai, LA and London, we would go out a lot and he would be a whirlwind of excited, happy energy.

It was – admitedly – relentless.

Whether 3pm or 3am, he seemed to always want to play, smile, laugh, do things with his adoring parents.

Often, when we were out, we would see people looking at him running around the park, shouting to himself … and then saying to me, “he’s got a lot of energy hasn’t he?”

And while they weren’t saying it as a diss, they weren’t saying it as a compliment either.

What makes it worse is I would reply with a weary, “you better believe it”.

Then one day I realised what I was doing.

My son … my wonderful, brilliant, joyous son was being judged by his Dad.

Worse, he did it to let perfect strangers feel justified in their fucked-up judgement.

What the hell?!

Otis wasn’t doing anything wrong … plus he was 2 or 3 years old for fucks sake.

More than that, he has always had a very strong sense of justice and fairness and so the last thing he would ever want to do is cause others discomfort.
And he wasn’t, he was just running around … exploering and experiencing the World.

I felt an immense amount of anger – more at myself, but definitely at the ‘critics’ as well – and vowed that would never happen again.

And it didn’t and it doesn’t.

Because when anyone said/say’s that to me about Otis, I now reply … “I know, isn’t it great”, and they always look at me before slowly nodding, either because they feel they have to or because they realise the problem isn’t my kid, but their increasingly small mindedness and old-person energy.

I say this because I recently watched this …

I am sure there will be people out there who will say it’s unprofessional.
That her actions are encouraging her child to be more ‘needy and demanding’.
That she just made a huge career limiting move, undermining all the hard work she has put in.

And they’re entitled to their opinion except it doesn’t matter.

Not in the slightest, however much you think it does or tell yourself it does.

Hell, even if you were one of the judges critiquing her dance, it doesn’t … because while you may have a certain amount of power in your hands in terms of what the implications of her actions will be, the reality is they won’t care.

Because whatever you think is more important than their child, you’re wrong.

They may do things you wouldn’t.
They may value things that you think they shouldn’t.
Their child may need things you would never consider.

But it’s NOT YOUR CHILD so it literally doesn’t matter.

In fact, unless you think the child is in real danger – or a cause of real danger to others – you should be minding your own business. And even if they are in – or causing – danger, your actions should be pointed to people who can legally or professionally help, rather than think you have unconditional rights.

I love what this gymnast did.
For me, it was beautiful both in terms of her talent and her love.
Even more so, at a time where Linkedin is overflowing with people acting like ‘winning justifies any sacrifice’.

With AI impacting our lives in increasingly dramatic ways, ‘family’ is the one thing AI can never replace.

It will try.
But it will fail.
Because while family is universal, it’s deeply personal and individual … which is why the best advice for anyone thinking of discussing/judging/commenting on the innocent actions or behaviour of a child that isn’t yours, is this.

“Are you the parents of the child?”

If not, SHUT THE FUCK UP.

You’re welcome.

Good news: I am away until Friday so you can enjoy a few days peace after that rant-fest.

You’re welcome. Again.

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If You Want To Increase The Odds Of Creating Something Commercially Iconic, Be Transparent …

Once upon a time, a man – who lived and worked in Newcastle, England – got a phonecall.

When he picked up, he heard a woman with a German accent on the other end, who asked “Are you Brian Johnson?”

He replied in the affirmative, to which the mystery caller said,

“You need to come down to London for an audition next week”.

Now Brian was a singer. In fact he’d once had a hit record with his band Geordie – but now he had his own business fitting car windscreens so it was a pretty left-field call to receive. Still, he was intrigued to which he asked the caller, “Who are you and who is the audition for?

There was a pause before the German voice informed him they worked for a music company – who had to remain nameless, just like the band he was told he had to audition for.

Brian was getting a bit fed-up at this point so pointed out in his thick accent,

“I’m not going all the way down to London for an audition unless you tell me who it is”.

Immediately, they were told that was not possible.

“Can you give me a clue … even if it’s just the initials of the singer or band?”

There was another pause – as if the caller was weighing up which would get them in more trouble: giving them a clue or not having Brian come to the audition – before they said,

“OK … here are the initials of the band, but I can give you no more information whatsoever. The initials are A, C, D, C”

The rest is history.

Brian did go to London and he did audition to replace the recently deceased Bon Scott, as the singer of AC/DC.

He got the gig and the first song he wrote – in fact the first song he EVER wrote – was You Shook Me All Night Long.

Then he wrote his second ever song, Back In Black.

Then his third, Hell’s Bell’s.

And not only did all these songs appear on the first album he recorded with the band, it went on to be the best selling album of the bands career. In fact it get’s even better than that, because the album, Back In Black, sold so many copies it become the best selling album OF ALL TIME [at that time] and even now – 46 years later – still ranks the 2nd best ever seller, with 50 million albums sold.

All this because Brian – through luck and persistence – got a key piece of information that made the difference between him choosing to go down to London or telling some random German female caller to “Fuck Off”.

Now it’s fair to say AC/DC were a known quantity at the time. A relatively successful quantity at the time. But who knows what would have happened if he hadn’t done the audition.

We wouldn’t have those 3 songs for a start … 3 songs that are not just iconic for AC/DC fans, but iconic fullstops.

The point being, one of the most important things you can do, to increase the odds of success is be transparent.

Transparent on where you are.
Transparent on what is needed.
Transparent on who is involved.
Transparent on the facts, timing and money.
Transparent on roles, rules and responsibilities.
Transparent on what the definition of success is.

I say this because there is not enough transparency right now – if anything, we operate in a world of opaqueness, which not only fucks up the potential of what can be created together, but breeds distrust and unhelpfulness.

Sure, things can change.
Sure, not everything may be known at the time.
But the more you hold things back, the more you’re not just fucking others over, you’re fucking yourself.

The greatest demonstration of respect in any partnership is transparency … so if your ego, need for control or fear stops you from doing that, then it doesn’t matter what you claim or who you blame, you’re the problem.

That doesn’t mean everything will fail, but it does mean you’ll never create history.

Or said another way …

If that German woman who rang Brian Johnson way back in ’79 had refused to give him any information on the name of the band she wanted him to audition for – as were their orders – then AC/DC may be a band few people would remember and Brian Johnson would be the graveliest-voiced car windscreen repairer in the North of England.

Of course, there will be some who say if that had happened, we’d never know what we’d lost.

And they’d be right, but they’d also be something else: someone incapable of creating or achieving anything truly significant.

In fact it’s worse than that … they’d be someone incapable of even aspiring to something truly significant and would actively goes out of their way to stop others from achieving it, claiming they’re ‘just looking out for the business’ when really it’s about their fear, ego, power and/or control.

No wonder my dear and clever friend George calls them, ‘commercial assassins and happiness vampires’.

Don’t stop someone finding your Brian Johnson because you think transparency is weakness.

It’s not, it’s rocket fuel.

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Integrity Is About Actions, Not Words …

First of all a huge thanks to all the people who got in touch about my good eye news yesterday. Given how much your support through the challenge of last year meant to me, you just added the icing on the top.

So back to the post …

A while back, the great playwright, Tom Stoppard, died.

His death affected me because he was someone my family didn’t just respect highly, but knew well.

Especially my Auntie Silvana, who first met him when they worked at the iconic Aldwych theatre, London.

If truth be told, I’d not thought about Tom for years but on hearing he had died, I realized the people in my life who would be the most upset at this news – namely my Mum, Dad and Aunt – had all gone, and somehow that made the news the more potent.

Unsurprisingly, news of Tom’s passing led to many stories about him being told in the international media.

Stories about his talent.
Stories about his stories.
And stories about his integrity.

The word integrity is one that is often overused and incorrectly used.

Too often used to justify a one-off decision and/or a small act of consciousness within a big pattern of complicit acts.

But Tom wasn’t like that.

Even those who would label his decisions as ‘stubborn’ would grudgingly acknowledge – and respect – he was simply being Tom. Doing what he said he would do, regardless of opportunity, pressure, money or fame.

At a time where people and companies will seemingly destroy any relationship, promise or agreement for the ability to squeeze out $1 more than they had before … it’s beautiful Stoppard would never entertain doing such a thing.

Nothing sums this up more than this story of when Spielberg wanted him to write the screenplay for Jaws …

Isn’t that amazing?

It was also smart … because not only did it make Spielberg want to work with him even more, it had the same effect with the people at the BBC.

As I wrote a while back, our industry loves to talk about integrity and relationships but rarely seems to understand what those words actually mean, let alone how deeply entwined and interconnected they are.

As I wrote a while back about a private client of mine – the biggest street fashion investor and most profitable retailer on the planet – powerful, valuable and sustainable relationships aren’t built on convenience, but on inconvenience … and how your actions, honesty, transparency and focus continually demonstrate how you never lose sight of what you’re building together, how you want to build it and what each other is able to do because of it.

Also known as integrity.

Thank you Tom. We need more people like you … or at least acting like you.

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We Are All Complicit To All We’re Complaining About …

OK, I’ve given you a couple of days of niceish posts to help ease you into the new year, so I think it’s time I write some stuff that lets out some of my seemingly endless frustrations – ha.

As we all know, there’s a ton of talk about the longevity of the industry with things like corporate consolidation, AI and processes and systems.

I get that and there should be that … but what bothers me is a lot of the conversations are not focused on what got us here.

Because for all the talk about the obsession with efficiency and the ‘illusion’ of effectiveness, what is rarely discussed is the lack of investment in training.

Don’t get me wrong,’outsourced, for profit’ training programs have their role and value in developing skills – even if many have been devised by people who have often never even worked directly in the industry, let alone made anything of note within it – but so much of this is about creating industry conformity, rather than creation.

Worse, it’s industry conformity often based on an individuals definition of what good work is … which is ALWAYS self-serving for them.

And while – as I said – it still offers some sort of value, it also actively devalues individual talent, potential, craft and creativity.

Or said another way, it allows all the things we are spending so much energy complaining about – to thrive.

Add to that too many people only wanting to develop in a bid to get more money – rather than more ability – and you can see how we got where we’re sitting.

But what bothers me most is how some companies are reacting and responding to this shift.

I don’t mean agencies – who, in the main, are not exactly shining with their ‘strategies’ – but companies.

Because for all the demands they have in terms of expectations and standards, they end up showing nothing really matters as much as cost and time.

Part of this is because – sadly – many companies don’t know the difference between quality and quantity.

Part of this is because – even more sadly – there is a lack of training in their organizations as well, so they’re only empowered to say ‘no’, rather than ‘yes’.

Part of this is – possibly most tragic of all – is that many companies have put themselves in a position where they have allowed procurement to be the ultimate decision maker – despite the fact the only thing most know about other industries is how to ‘compare prices’.

Case in point …

Recently I spoke to a strategist who is not just incredibly experienced, but is pretty incredible.

By that I mean the work they’ve done and the impact they have enabled.

And yet, despite all this, they’re finding it hard to find work … exemplified by recently losing out on a project where – objectively – they would be one of the most qualified people in the entire industry to do this job.

They didn’t lose out because they weren’t known.
They didn’t lose out because they weren’t available.
They lost out because the company thought they could ‘hack the system’ by hiring someone who had worked at the same company as the strategist in question, who was asking for a much lower fee.

Now I get – on face value – that sounds a smart move.

Except that was the only requirement for hiring this person.

They ignored the fact these strategists didn’t work in the same office.
They ignored the fact these strategists didn’t work on the same clients or category.
They ignored the fact they never worked or interacted together.
They ignored the fact one strategist has led work, the other has just supported it.
They ignored the fact one strategist has 16 years of experience, the other has under 5.
They ignored the fact one strategist is at a ‘head of planning’ level, the other is ‘strategist’.

I should point out this does not mean the strategist they chose isn’t good – I know who they are and they have some interesting perspectives – but their experience, context, exposure to senior leaders and overall ability is miles off what the other strategist in question has to offer. There is literally no comparison.

Now this is not their fault … with time, I imagine their abilities [like all of us] will increase dramatically, or it will if they are exposed to people who are willing to develop them, rather than expect them to just execute which sadly – even if they had a full-time job – is increasingly seen as a ‘cost’ rather than an investment … but while I have no desire to deny anyone the ability to make a living [especially young talent who have been forced out of jobs because of costs, workload or mental health] everyone is going to lose here.

Everyone.

The ultra-qualified strategist has to look for another job.
The strategist who has been hired is going to only execute based on their frame-of-reference and standards which, as I pointed out, is not what a job of this magnitude requires. And that’s before we even consider how much this job could hold back their development because they’re not being paid to learn, they’re being paid to do.
The company ends up having a solution that doesn’t liberate the opportunity they have … or the issues they need to contend with.

Of course, where you work has a huge impact on how you grow … and the place both these strategists worked, is excellent.

But there’s a massive difference between being there a few years and many years – not just in terms of the work you do, but the challenges and growth you are exposed to – and so when companies choose to deliberately ignore this … be it for cost, convenience or control reasoning … not only are they undermining their own business, they’re undermining the potential of the person they hired and so we all end up contributing to the situation we’re complaining about while also being blinkered towards.

Train properly.
Pay properly.
Place value on experience, standards and craft.

If you don’t, the position of mayhem that we’re in now will be seen as one of the golden ages of where we’ll end up.

Happy New Year … hahaha.

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