“A society that invests in machines but neglects its people is not advancing—it is automating its own inequality.” For decades, financial planners and policymakers alike have placed their faith in education as the great equaliser. Build skills, gain qualifications, increase productivity—and wealth will follow.Yet new research reveals a disturbing paradox: in advanced economies, human capital … Continue reading Human Capital: The Forgotten Foundation of Total Wealth – Part 2
Tag: economy
Regulators Finally Blink: The Shadow Banking Stress Test Citizens Have Waited For
By Get SAFE – Support After Financial Exploitation For the first time, Britain’s regulators have turned their gaze toward the murky world of shadow banking.This week, the Bank of England confirmed that giants like Goldman Sachs, Oaktree, Carlyle, and ICG will take part in a system-wide “exploratory scenario” — a stress test designed to expose … Continue reading Regulators Finally Blink: The Shadow Banking Stress Test Citizens Have Waited For
💡 When the OECD Calls It a Constraint, We Call It a Recalibration
Why Britain’s New Tax Era Could Unlock Human Capital Growth “A nation can tax wealth and still grow — if it grows its people.”— Steve Conley, Academy of Life Planning ⚖️ The Headlines Mislead The OECD has warned that Rachel Reeves’s record tax rises will “constrain economic growth for years” and “deter saving.”Their logic is … Continue reading 💡 When the OECD Calls It a Constraint, We Call It a Recalibration
💣 When the Bank Runs Dry: What Lloyds’ 2011 Meltdown Reveals About the Hidden Mortgage Machine
In 2011, Lloyds Banking Group — the trusted black horse of the British high street — was secretly broke. Its CEO, António Horta-Osório, discovered too late that the bank had been surviving not on depositor cash, but on borrowed money — “hundreds of billions of pounds from other institutions,” as the Financial Times later reported. … Continue reading 💣 When the Bank Runs Dry: What Lloyds’ 2011 Meltdown Reveals About the Hidden Mortgage Machine
Rebuilding Structural Integrity in Finance: Why Britain Doesn’t Need Higher Taxes — It Needs Higher Trust
By Steve ConleyFounder, Academy of Life Planning & Get SAFE11 November 2025 Trust Precedes Trade Is consumer protection a priority?Is economic growth important? Here’s the thing — trust precedes trade.It’s a simple truth, but one we’ve forgotten. In August 2024, the UK Supreme Court’s Hopcroft ruling confirmed that credit brokers owe no fiduciary duty and … Continue reading Rebuilding Structural Integrity in Finance: Why Britain Doesn’t Need Higher Taxes — It Needs Higher Trust
Why Loosening Bank Capital Rules Is a Risk — Not a Solution (An AoLP / Get SAFE Perspective)
In recent weeks, Bank of England (BoE) and its regulatory arm Prudential Regulation Authority (PRA) have signalled a push to relax capital requirements for UK banks. The official narrative promises “revived lending capacity” — more mortgages, more credit for small and medium-sized enterprises (SMEs), and renewed economic growth. On the surface, this may sound like … Continue reading Why Loosening Bank Capital Rules Is a Risk — Not a Solution (An AoLP / Get SAFE Perspective)
White Paper | From Hidden Credit Lines to Hidden Owners
How UK Banks Manufactured Defaults and Profited Through Unregulated SPVs Executive Summary This white paper reveals a hidden architecture within British banking that converts human distress into financial yield. Beneath the surface of ordinary mortgages and small-business loans lies a complex network of concealed credit lines, manufactured defaults, and unregulated securitisation vehicles. Together, these mechanisms … Continue reading White Paper | From Hidden Credit Lines to Hidden Owners
🌍 Human Capital is the New GDP: 10 Lessons for Holistic Wealth Planners from Budget 2025
💡 The Academy Welcomes Budget 2025: Britain Finally Puts Human Capital First “Strong Foundations, Secure Future” — that’s the slogan of the UK’s 2025 Budget. But beneath the fiscal charts and economic forecasts lies a much deeper signal: the government has finally recognised that the true foundation of wealth is human capital. This year’s Budget … Continue reading 🌍 Human Capital is the New GDP: 10 Lessons for Holistic Wealth Planners from Budget 2025
Lessons for the Chancellor #5: Human Capital — Britain’s Hidden Engine for Growth
(Insights from Dr. Mahesh U. Daru, “Human Capital: The Tool for Economic Growth and Development,” International Journal in Commerce, IT & Social Sciences, 2015)* As Chancellor Rachel Reeves prepares her second Budget, she faces the same constraint haunting every modern economy — how to fund growth when debt is high and productivity is low. Yet … Continue reading Lessons for the Chancellor #5: Human Capital — Britain’s Hidden Engine for Growth
Lessons for the Chancellor #4: When Education Fuels Inequality
(Insights from Onur Özdemir, “Distributional Effects of Human Capital in Advanced Economies: Dynamics of Economic Globalization,” Business and Economics Research Journal, 2020) As Chancellor Rachel Reeves prepares to deliver her second Budget, the political and fiscal stakes could not be higher. Britain’s economic story mirrors that of other advanced nations: record inequality, wage stagnation, and … Continue reading Lessons for the Chancellor #4: When Education Fuels Inequality
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