An economic and monetary historian with a doctorate in banking and finance (Cass Business School, London), I work independently in many contexts ranging from mainstream to ‘alternative’, central banking to organic farming. I write frequently on economic affairs, and have published several books, including Prelude in Economics (1979), Of Wheat and Gold (1988), The Metamorphosis of Capitalism (2003), Rare Albion – a Monetary Allegory (2005) (see Writings) and Finance at the Threshold (Gower, 2011). 

Born in England in 1948, I left school at 16, then spent my youth travelling, working on private yachts and learning the film business in California. I spent 1968 in Berkeley, where I developed a strong interest in Marxist ideas, but became convinced that Marx had failed to interpret his vision accurately. Prior to this time I had also met the work of Rudolf Steiner, whose contributions to sociology and economics have been of special interest to me ever since.

I have initiated or participated in a variety of small, mostly 'green', businesses in fields as varied as farming, housing, food distribution, retailing and investment. I served for seven years as a local councillor, many of them as chairperson, and four as a state school governor. I work free-lance as a writer, publisher and consultant, and give workshops around the world. My particular interest is on the development of associative economics, an approach to economics that combines financial discipline with active social responsibility on the part of human beings.

In recent years my professional focus has become the modern financial system – its history and how it works, but also its future. I am especially concerned with teaching financial literacy to young people and the associated need to fund their aims and initiatives (see Youth Bonds).

My main work through to 2018 is as a researcher into 'open access credit' as part of the EU-funded project, Creating Economic Space for Social Innovation, based in Skoll Centre for Social Entrepreneurship at Oxford Business School, England. Linked to this is the four-year project, FinanceFolkestone, that is contributing to Folkestone's economic regeneration.