The Financial Ombudsman Service (FOS) was created to be the independent referee — the place where consumers could seek justice when financial firms failed them. Its role is vital: to provide fairness, transparency, and accountability in a sector where trust is already fragile. Yet evidence suggests a troubling pattern of behaviour inside the organisation. Instead … Continue reading When Oversight Becomes Obstruction: What Evidence Suggests About the Financial Ombudsman Service
Tag: health
Building Futures in El Salvador: How Life Planning is Driving Social Transformation
In late 2023, the government of El Salvador created a new national institution — the Dirección de Integración — with a bold mission: to strengthen social inclusion, reduce poverty, and foster a culture of integration across the country. At the heart of this initiative is the ADN Program on Poverty and the Culture of Integration, … Continue reading Building Futures in El Salvador: How Life Planning is Driving Social Transformation
🎓 Generation Jobless? Or Generation Genius in Waiting?
We’ve all seen the headlines. 📰 “GENERATION JOBLESS”📉 100,000 young adults aged 16–24 in the UK are not in education, employment or training.🧠 Many cite mental health as a barrier — caught in a cycle of rejection, disillusionment, and self-doubt. Meanwhile, AI takes the jobs they were promised.Retail shrinks.Hospitality automates.And entry-level roles vanish in a … Continue reading 🎓 Generation Jobless? Or Generation Genius in Waiting?
How Britain Outsourced Its Way Into Failure
Sam Freedman’s new book Failed State: Why Britain Doesn’t Work and How We Fix It offers a sobering diagnosis of Britain’s broken governance. His central claim: decades of over-centralisation and reckless outsourcing have hollowed out the state, leaving public services expensive, inefficient, and unaccountable. The centralisation problem – Successive governments stripped local councils of powers … Continue reading How Britain Outsourced Its Way Into Failure
Imagine If Ofwat Had a Growth Mandate — We’d Need Snorkels by Now
Inspired by Dan Cooper’s thought-provoking piece in Money Marketing, which asks, “Who’d want to be a regulator, eh?” — I couldn’t help but reflect on our own well-chlorinated experiences with the FCA. Dan’s article dives into Ofwat’s spectacular collapse under the weight of its own inaction, drawing a tidy line between regulatory oversight and public … Continue reading Imagine If Ofwat Had a Growth Mandate — We’d Need Snorkels by Now
Reawakening the Inner Eye: The Pineal Gland, Cognitive Sovereignty & the Reversal of Calcification
For over 2,000 years, institutions thrived by controlling access to truth—religious, political, financial, and even biological. The Age of Pisces was the age of intermediaries: gatekeepers of knowledge, divinity, and health. But now, in the Age of Aquarius, the gate is dissolving—and at the centre of this awakening is the pineal gland. Often dismissed as … Continue reading Reawakening the Inner Eye: The Pineal Gland, Cognitive Sovereignty & the Reversal of Calcification
🎾 When AI Calls the Shots: Why Displaced Line Judges (and You) Need a GAME Plan
Wimbledon 2025 made history — and not just for tennis. For the first time ever, the tournament has eliminated every human line judge, replacing them with AI-powered Hawk-Eye systems. What once took 300 trained officials has now been reduced to camera arrays, algorithms, and pre-recorded voices declaring “out.” It’s efficient. It’s precise.But if you're a … Continue reading 🎾 When AI Calls the Shots: Why Displaced Line Judges (and You) Need a GAME Plan
Justice Comes at a Price – But Is It Too High?
What victims need to know before signing up with litigation funders You’ve been wronged. You’ve got a strong case. A judge even agrees it deserves to be heard. But here’s the kicker—you can’t go forward without legal representation, and you simply can’t afford it. Sound familiar? This is the gut-wrenching reality facing thousands of victims … Continue reading Justice Comes at a Price – But Is It Too High?
Why More Stuff Won’t Make You Happy — And What Will
Can buying more and more stuff really make you happier, or is it quietly making life worse? Our modern world pushes the idea that the road to happiness is paved with shopping receipts. Bigger houses, newer phones, more clothes – we’re told these are tickets to a better life. But what if that’s a lie? … Continue reading Why More Stuff Won’t Make You Happy — And What Will
The Missing Pillar of Financial Wellbeing: Why Spiritual Wellness Matters
Why do so many people with financial success still feel unfulfilled? Is there more to “wellbeing” than stable income and a comfortable lifestyle? In the quest for a happy life, we often chase careers, relationships, and material comforts. Yet, even after checking all those boxes, something intangible can remain missing. Enter spiritual wellbeing – a … Continue reading The Missing Pillar of Financial Wellbeing: Why Spiritual Wellness Matters
Academy of Life Planning 