What is in Kelvin's Head?

Last Year’s Predictions

31/12/2015

Each year I try to make some predictions at New Year. And each year I take a look back on Hogmanay to see how I did.

Here’s the rundown of how I did last year.

1 Those who voted YES in the Scottish Referendum will continue to behave as though they won. This may be unhelpful.
2 Those who voted NO in the Scottish Referendum will continue to behave as thought he referendum never happened. This may be unhelpful.

Well, I think I got these both right. I don’t see much sign that we’ve moved on from the referendum. Alan McManus’s magazine article was a breath of fresh air, but a rare one.

3 There will, I fear, be a Tory Prime Minister at the end of 2015.

Bang on with this one.

4 The Liberal Democrats will retain 10 – 14 seats in the House of Commons.

Well, I got the detail wrong – the Lib Dems did even worse in the General Election. When I made this prediction, most people were predicting a Lib Dem presence of 30 – 36, I think. My prediction of electoral catastrophe was just not taken seriously by those whom I know who should have taken it most seriously. I’m claiming this as a very near miss.

5 Nick Clegg will lose his seat and be Lord Clegg by the end of the year.

That’s a miss. Nick Clegg kept his seat if not his party.

6 The Labour Party will not be led by a Milliband by the end of the year.

Well I didn’t see Jeremy Corbyn coming but it was clear to me that Ed Milliband wasn’t going anywhere fast. Remember though that right up until the General Election, most of the polls predicted a hung parliament and uncertainty about who would be the PM.

7 The Church of Scotland will begin a new procedure under the barrier act to determine whether to accept ministers in same-sex partnerships who are married (ie not merely in Civil Partnerships).

Got this one bang on. Presbyteries have just voted by a narrow majority to send this back to the General Assembly for decision in May.

8 There will be legal victories for those seeking to extend Civil Partnerships to straight couples.

Well, we’ve not see as many legal victories as I expected. However, we’ve got a rather uncomfortable consultation just completed in Scotland in which the Scottish Government announced before consulting, that it didn’t want to do what a lot of people want them to do. I hope it sticks to its guns though and refuses to allow straight couples (or indeed future gay couples) Civil Partnerships.

9 Elizabeth Warren will become a household name.

Well, this one didn’t really come to pass. My fantasy of a dream Hilary/Elizabeth ticket doesn’t look like becoming a reality either.

10 (Some) straight liberals will lead the charge (such as it is) for (something less than) LGBT equality, (sometimes). Believe it or not, I’m excited by this and it is an improvement. [Remember that in 2011 I predicted that “No straight liberal in the church will feel the need to sacrifice anything at all for the gay friends they purport to support.” Things are changing a bit].

I’m claiming this one as a win. I could feel it all around me at Greenbelt but I’ve felt it in other places too. Increasingly, the things I’ve been fighting for are becoming mainstream. Deo Gratias.

11 Advances in e-learning in churches.

This one is a miss. I’ve dabbled a bit myself but there’s no real sign of denominations doing what they need to do if they are going to teach their people any better in the future than they have done in the past.

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