What is in Kelvin's Head?

  • How did I do with last year’s predictions?

    Here’s a run down of how I did at last year’s predictions.

    • Good results for Nigel Farage following the English local elections in May. Terrible results for Conservative Party.

    Exactly what happened. YES

    • No progress towards the marriage of same-sex couples in the Church of England

    Exactly what happened. Indeed, I think things may have gone into reverse. YES

    • Turbulent year for WordPress, which powers about half of the internet.

    The year began with Automattic dramatically cutting its contribution to development leading to stagnation in development and much acrimony. Subsequently restored. Deep divisions remain about Gutenberg. I’m claiming this as a YES.

    • 2025 will be the hottest year on record.

    Final figures yet to be calibrated but all reports indicate that this, unfortunately is a YES.

    • No trade deal for UK with US. Increasing talk of re-aligning economy closer to EU.

    Well, there was a trade deal in May called the Economic Prosperity Deal but it doesn’t seem to much and some of the basics have already been reversed. I suppose I have to be honest and say I didn’t get this quite right so it is a NO. But…

    • Ceasefire in Russia-Ukraine war but no long term solution.

    Hard to assess this one. No long term solution, certainly. There have been a series of ceasefires proposed but none seems really to have been fully implemented. Partial YES.

    • “Assisted Dying” aka doctor assisted suicide becomes legal in at least one of the jurisdictions of the British Isles.

    I have to put this down as a  NO  as it completed its parliamentary journey in the Isle of Man but hasn’t received Royal Assent yet, so not technically legal.

    • Turbulent year for economy but stock market higher at end of year than beginning. (FTSE currently at 8,173)

    Stock market at 9,931 today and there was quite a lot of volatility in the first part of the year. So this one is a YES.

    • There will be fewer Commonwealth Realms (ie countries which share the monarchy) by the end of 2025 than there are now.

    This one is a NO though there has been significant progress in that direction in Jamaica and moves that way in Grenada.

    • Philip Mountstephen.

    Well, I was pushing Philip Mounstephen’s name as he appeared to be the only senior bishop in the C of E who actually believed the [absurd] position of the C of E bishops on same-sex relationships. But it is a NO – nothing significant to report.

     

    So – five and a half out of ten this year. Not as good as some years. A couple of near misses.

     

    ,

5 responses to “On being bought and sold”

  1. Tim Avatar
    Tim

    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
  2. Pam S Avatar
    Pam S

    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.

    Reply
  3. Tracey Avatar
    Tracey

    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.

    Reply
  4. Helen Avatar
    Helen

    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.

    Reply
    1. Jo Avatar
      Jo

      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

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