What is in Kelvin's Head?

Review of 2013 predictions

31/12/2013

I am wont to make predictions at new year. Here’s how I did last year.

1 – The UK will lose its triple A credit rating.
Got that one right – happened within weeks.

2 – The Scottish Episcopal Church will have poor statistical returns this year prompting very quiet wailing and gnashing of teeth except in Argyll.
Got that one right too – very poor statistical returns, particularly in Aberdeen and Orkney and Brechin. The wailing was all too quiet when we debated the statistics at General Synod though with the Primus seeming to indicate that either they didn’t matter or he didn’t care.

3 – At least one Church of England bishop (and maybe a pair) will be outed. (Only time I’ve retained a prediction from one year to the next).
Not yet. Not yet.

4 – The Scottish Parliament will vote for new legislation allowing gay couples to get married. (But no such weddings this year). The details of the new category of “belief marriages” will be substantially changed and much more heavily regulated than is suggested in the recent consultation response from government.
Basically another hit – Parliament did indeed vote for the new legislation though it isn’t completed yet. No weddings this year. Belief marriage proposals changed a bit, but not very much and there’s going to be a frightening amount of regulation which is not specified in the legislation.

5 – Sadly, I expect renewed campaigning for straight people to be able to enter Civil Partnerships with preparations being made for a legal challenge for 2014.
Yes – though the Scottish Parliament headed off the threat of legal challenge by promising a review. Another hit.

6 – The Coalition will have lower public opinion ratings by end of year due to public concerns as austerity measures bite. It will record one of the lowest public opinion rating of any UK govenment in modern times.
I think I got this wrong. There has certainly been a polarization in how the government is seen but they are holding up surprisingly well in opinion polls. My Liberal Democrat friends will be disappointed to hear that I think that this is because of the wiliness of Tories and not the power of the the Liberals in the coalition.

7 – The Church of Scotland will have a difficult General Assembly, but one characterised by fine speeches. They will approve a report which suggests having a theological study into blessing civil partnerships but not actual marriages of gay people. (This will please no-one who has any opinions about the matter and will thus be regarded as a success by those who don’t).
Well, I wasn’t far off with suggesting that they would not please anyone who has opinions about the matter but they dealt with it by saying that the Church of Scotland doesn’t approve of gay ministers but that local congregations could have them if they really wanted them. It was a foolish compromise that is already unravelling and a warning to us all.

8 – The Church of England will be unable to agree a way forward on opening the Episcopate to Women.
Well they’ve made some progress but they still are not there yet. Until they actually have a vote, I’m claiming this one as a hit.

9 – Justin Welby won’t put a foot wrong.
Well, he’s an impressive mover, far more so that Rowan Williams. I don’t like all he does but he has not come close to making the mistakes that his predecessor made. Appears to be wearing Teflon vestments.

10 – The new Bishop of Durham will come from a relatively small congregation in London.
Wrong – completely wrong.

So how do you think I did?

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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