What is in Kelvin's Head?

Predictions 2023 – How did I do?

31/12/2023

1 Generative artificial intelligence will become significantly disruptive of many sectors this year. Education practices will change quickly as a result of this but education will be but one of many areas of life to be affected.

Happening all around us (even to people who can’t see it happening around them) – prediction fulfilled.

2 No progress for those seeking marriage equality in the Church of England. There will be a lot of talk about moving towards some form of official blessings for same-sex couples which would have the effect of thwarting those seeking actual equality, making it more difficult to achieve. Further division amongst pro-gay activists in the Church of England.

Happening exactly as predicted. The recent developments following the LLF project make equality more even further away – prediction fulfilled.

3 Indyref 2 will not happen on 19 October 2023 as Nicola Sturgeon had hoped, which is a shame for those seeking to separate Scotland from the rest of the UK as the autumn will be the high water mark for the Indepedence movement. It will be downhill into the next General Election after that.

Happenning but not quite as I expected. Indryref didn’t happen but Indy polls are indeed riding high. However I didn’t see the mess the SNP would get itself into along the way. Prediction Fulfilled.

4 Trump and Biden will both declare that they intend to run for the US presidency in 2024 and American politics will continue to be all about Donald Trump.

Exactly as I said – prediction fulfilled.

5 Covid recovery remains bumpy, particularly through supply-chain problems due to mismanagement of Covid in China.

Pretty much as I said – we’ve largely forgotten the supply chain issues that continued from the end of last year into the new year and the spring. Prediction mostly fulfilled.

6 No conclusive end to the war in Ukraine this year.

Alas. Prediction fulfilled

7 Governments in Westminster and Holyrood will announce some kind of “new deal” for the National Heath Service.

Holyrood here: https://www.gov.scot/publications/programme-government-2023-24/pages/5/

Westminster: Pay – here https://healthmedia.blog.gov.uk/2023/07/14/government-accepts-recommendations-from-nhs-pay-review-bodies/
Westminster: Medicines here: https://www.gov.uk/government/news/landmark-deal-to-boost-nations-health-and-save-nhs-14-billion

Prediction fulfilled.

8 – UK Government will not succeed in blocking Scottish Gender Recognition Reform.

I remain surprised that the Scottish Governnent gave up on this. Prediction not fulfilled.

9 Liam McArthur’s bill in the Scottish Parliamant to allow doctors to participate in the killing of terminally ill patients will fail to receive parliamentary approval but will receive more support than similar proposals have before.

Bill hasn’t received approval but hasn’t gone to a vote either. Large levels of support in the media. Prediction partially fulfilled.

10 Changes announced to the UK honours system, perhaps at the time of the Coronation, to remove references to empire. OBE becomes Order of British Excellence.

Not happened yet. Prediction not fulfilled.

Result – about 7 1/2 out of 10 this year I think. Not bad.

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