What is in Kelvin's Head?

New Year Predictions 2015

01/01/2015
Here are my New Year Predictions for 2015
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.
3. There will, I fear, be a Tory Prime Minister at the end of 2015.
4. The Liberal Democrats will retain 10 – 14 seats in the House of Commons.
5. Nick Clegg will lose his seat and be Lord Clegg by the end of the year.
6. The Labour Party will not be led by a Milliband by the end of the year.
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).
8. There will be legal victories for those seeking to extend Civil Partnerships to straight couples.
9. Elizabeth Warren will become a household name.
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].
11. Advances in e-learning in churches.
New Year Predictions

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.
  
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