What is in Kelvin's Head?

Predictions for 2014

01/01/2014
1. Remember those people who used to say, “But what is a blog…?” Well this year you are going to be hearing them say, “But what is a mooc…?”
2. Gay men are going to start shaving again. Now that so many straight men have bought into the idea that beards are hip, it is time to mess with their fashion sense again. Consider this the memo. (Next year, the end of tattoos!)
3. Church of Scotland General Assembly will be unable to affirm last year’s compromise on a local option for ministers who happen to be gay.
4. More revelations relating to Cardinal Keith Patrick O’Brien.
5. Number of active bloggers decreases. Influence of those still blogging increases.
6. The real purpose of the Pilling Report will be revealed with hindsight as evangelicals begin to argue about its contents. (May take a couple of years, but trust me on this one). Initially this will be in private – increasingly in public. Having been the great unifying factor for Evangelicals for the last 10 years, attitudes to gay people will become the source of greatest disunity amongst Evangelicals for the next decade. Unappealing and unsatisfying as it is, Pilling is a watershed – it was never designed to court liberal opinion so we might as well stop moaning about it. It was designed to divide evangelical opinion and is going to be jolly successful.
7. The Independence Referendum will be lost here in Scotland but alas, not by enough to shut everyone up.
8. Such terrible statistics in the Diocese of Glasgow and Galloway that we lose at least 4 seats on General Synod.
9. Lord Carey will say that Christians are being persecuted in the UK, that the church is dying out or that the sky is going to fall in, and will say it at the most unhelpful time possible – probably around one of the English General Synods or Easter.
10. We will hear about our first UK gay divorce.
Trends to watch
- Continued meltdown of the Church of Scotland. Ceasing to be a national church before our very eyes.
- Internet increasingly rewards those who know how to manipulate images.
- Economic polarization of the UK continues.
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.
  
  Reply