What is in Kelvin's Head?

Predictions 2021 – How did I do?

31/12/2021

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

Boris Johnson will achieve his longstanding ambition to become a former Prime Minister.

Alas, Boris Johnson did not achieve this ambition this year. But we must award him 10/10 for trying. He’ll get there in the end. Prediction not accurate

Stock market higher at end of 2021 than at the beginning (FTSE – 6,460) but higher inflation too (most recent CPIH – 0.6%).

Yes, the stock market is higher and so is inflation. (FTSE – 7379 and most recent CPIH – 4.6%). Prediction accurate.

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

Indeed, no progress at all for those hoping for marriage equality in the Church of England. Moreover, any hope is receding, made much worse by the Church in Wales opting for blessing same-sex couples rather than marrying them. Prediction accurate.

State based hackers turn their disruptive attention to open source software. (Watch out WordPress).

Hard to prove but there are reports suggesting this is happening and indeed may have been happening before this year. I’m claiming this as a win. Prediction accurate.

Donald Trump will remain the centre of attention.

He’s not gone away. He’s not been convicted of anything. He’s building his media empire. He wants to run again and has no major republican challenger. Prediction accurate

There will be midnight mass in St Mary’s Cathedral, Glasgow next Christmas Eve. People will be wearing masks.

Accurate in every respect. Prediction accurate.

A rocky year for Nicola Sturgeon but the SNP will be returned triumphant to Holyrood, despite their record.

Well it wasn’t really a rocky year for Nicola Sturgeon who is still the only show in town but the SNP did return in triumph to Holyrood despite their record. Prediction partially accurate.

No vote on Scottish Independence this year but like it or not, constitutional change is a-coming.

Indeed so. It has been quite a year for asking whether devolution works. Prediction accurate.

Attempt to repeal the Human Rights Act, removing the provisions of the European Convention on Human Rights from UK law. (It is a stepping stone to restoring capital punishment – the Brexiteers are not done with us yet).

Consultation currently underway on a plan to replace the Human Rights Act with a Bill of Rights that would distance the UK from the ECHR. Prediction sadly accurate.

Legislation emerges in Scotland to restrict fireworks.

The Fireworks (Scotland) Miscellaneous Amendments Regulations 2021 were brought in at the end of June restricting the times of day that fireworks can be used to between 6 pm and 11 pm, restricting the times of sale and limiting the amount that can be sold to someone at any one time. We’ll see how these restrictions have been received at about one minute past midnight tonight. Prediction accurate.

Not a bad year overall. I’m claiming 8½ out of 10.

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.

Reply
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