What is in Kelvin's Head?

Predictions 2022 – How did I do?

31/12/2022

Time to see how I did with my predictions at the start of the year.

Boris Johnson will be replaced with a Prime Minister who is more competent, more right wing and more difficult to beat.

Well, if we skip lightly over the horror of Liz Truss’s premiership, I’m going to claim this one as fulfilled. Left and right designations in politics mean less as the years go on. Prediction fulfilled.

A good year for Michael Gove (who is almost invisible at the moment).

I’m claiming this one too. He’s back in government and less invisible. If you don’t agree, you probably don’t read the Daily Telegraph. Prediction fulfilled.

Church of Scotland General Assembly votes to allow same-sex couples to be married in church. More significantly, almost no-one leaves in a huff.

Exactly what happened. Prediction Fulfilled.

No progress for those seeking marriage equality in the Church of England.

Sadly. Prediction Fulfilled

US Republican Party do well at the November midterms.

Gloriously, prediction unfulfilled.

Midnight Mass will happen at St Mary’s Cathedral, Glasgow – some people will still be wearing masks but it won’t be mandatory.

Yes, I did see a few mask wearers but we were getting back to prepandemic levels of attendence and Midnight Mass was a blast. Prediction fulfilled.

Lots of people discover that cryptocurrency is not the sure thing that they thought. (Losses will disproportionately affect young people).

Oh my, yes. What a mess some people have got themselves into. Prediction fulfilled.

Nicola Sturgeon will be forced to announce a proposed date for an Independence Referendum against her better judgement.

She announed on 23 June 2022 that it would be held on 19 October 2023. (Spoiler alert – it won’t happen on 19 October 2023). Prediction fulfilled.

Lambeth Conference will take place but some people forced to participate virtually due to continued pandemic in developing world. (No new sanctions against pro-gay provinces).

Well it took place but I’m not sure whether or not there were virtual participants. However, there were no new sanctions against pro-gay provinces. Prediction largely fulfilled.

Working from home/hybrid working becomes normalised for big companies. Consequent increase in ransomware demands.

Working from home is certainly still going on and there are many big companies that are planning for it continuing in some form. (Here’s a government report about it). And yes, ransomware has increased. (Here’s a paper on it from the Chartered Institute of IT).

I’m guessing that one or two people might want to argue about whether I got this all as right as I think I did – particularly the first two, but not a bad year overall.

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