What is in Kelvin's Head?

New Year Predictions 2016

01/01/2016
1. Following recent revelations, this will be the year that former Archbishop of Canterbury George Carey finally shuts up. Expect no silly press releases on the eve of Church of England Synod. (From Carey anyway).
2. The Columba Declaration recently leaked to the press will not in fact be adopted unamended by both the Church of Scotland General Assembly in May and by the Church of England General Synod in February.
3. Solid vote in favour of first reading of legislation for removal of definition of marriage from the canons of the Scottish Episcopal Church opening the way towards a final vote in 2017.
4. The Anglican Communion will move back towards being a fellowship of autonomous churches following the Primates’ Conference in January. Justin Welby will do the right thing for the wrong reasons. (ie he will accept the inevitable loosening of ties that stems from the global domination fantasies of his predecessors but not speak up for LGBT friendly churches).
5. The SNP will win a landslide in the Holyrood Election. There will be UKIP representation in Holyrood for the first time.
6. The SNP will continue to work for their preferred outcome in the European Union referendum – an overall majority in the UK in favour of staying in, a massive majority in Scotland for staying in and a majority in England for leaving the EU.
7. The Democrats will retain the White House.
8. Jeremy Corbyn will still be Labour Party leader by the end of 2016 and become a little more popular within the Labour Party the longer he is there. The Labour Party will still seem unelectable at the end of the year. No major defections along the way. (There’s nowhere to go).
9. A successful cyber terrorist attack on a major Western financial institution. (It is only a matter of time).
10. Amateur drone crash causing loss of life.
11. 3D printed food experiments in restaurants.
12. More major news outlets closing down the comments sections on their websites as open comments become unmanagable.

5 responses to “On being bought and sold”

Tim

19/07/2012

I’m contemplating it – too much instability coming up in the next couple of months though.

You might find http://www.ethicalconsumer.org/buyersguides/money/bankingcurrentaccounts.aspx interesting – the CoOp don’t seem to score all that highly, although obviously better than established big names.

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Pam S

19/07/2012

I did move my account and our joint account about 18 months ago – from Lloyds to the Co-op!

My reason was what appeared to be a policy to get as much money out of me as possible, culminating in imposing an accumulating daily penalty for a going a very small amount overdrawn on one account by accident when I was ill. The charge amounted to much more than the original overdraft. They didn’t inform me of this for several days and the basic attitude was ‘well that’s your lookout’. They knew that there was enough money in other accounts to cover it.

I knew about ethical banking before that – our son is a great advocate of ethical banking and had suggested we moved to the Co-op several times – but it was only a personal experience of what I considered unethical behaviour which damaged me personally that gave me the impetus to do it.

Many years ago when my father was struggling financially, his branch of Barclays called him in to tell him off about his overdraft. He went straight across the road to another small local bank called Martin’s, asked if he could transfer his overdraft there and they lent him the money to close down the account at Barclays. He always said that Barclays had to eventually take over Martin’s to get his custom back!

One thing I did find with moving banks though – it was actually not quite as straightforward as I was told it would be – there were several standing orders and direct debits that didn’t get automatically transferred so there were a couple of months of companies contacting us to tell us we owed them money! However it was all fairly easy to sort out on the phone. Also we were on a lower overdraft limit for the first six months so if you need to use the whole of your current overdraft limit every month it’s best to be clear about what you’re being allowed.

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Tracey

19/07/2012

I bank with the Clydesdale because I work for them, and they require you to have your salary paid into a Clydesdale account.

I wonder if Howard’s branch of Lloyds is being sold to the Co… I really hope so, for hunners of different reasons.

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Helen

19/07/2012

I wonder how ethical the co-op bank actually is. I have had a preference for shopping at co-op supermarkets because of their ethical stance,until the recent revelations that they are among the worst offenders for driving down the price of milk below the cost of production. Fair trade and ethical have to apply to the uk too.

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1. Jo
  
  20/07/2012
  
  The Cooperative have just increased the price they pay to milk producers, in response to concerns raised. As to the bank, “more ethical than any of the other high street banks” is about as good as it gets right now.
  
  Reply