What is in Kelvin's Head?

  • Last year’s predictions (2020) – how did I do?

    Well, thank you for asking.

    Here’s what I predicted for 2020 and here’s how I did.

    Scotland will not vote for Independence in 2020

    Scotland didn’t.
    Prediction accurate.

    No progress for those hoping for Equal Marriage in the Church of England.

    There was none.
    Prediction accurate.

    Narrow Democrat victory in American election – country as divided as ever – widespread belief that the election was rigged.

    Well, there was a Democrat victory in America. It wasn’t as narrow as it initially appeared but the country is as divided as ever with widespread belief that the election was rigged.
    Prediction substantially accurate.

    Scottish government proposals on reforming the Gender Recognition Act go through largely as proposed in consultation document.

    I’m sorry this didn’t happen and I’m sorry that trans people are at the epicentre of the latest culture war. The Scottish government’s proposals on Gender ID were pragmatic and sensible and no-one has come up with any better proposals on how a gender recognition certificate should be issued. (Statutary declaration by individual whilst criminalizing false or misleading declarations).
    Prediction inaccurate.

    Limited agreements at COP talks but derided as too little too late.

    No COP.
    Prediction inaccurate due to covid.

    UK leaves the EU and is subsequently unable to agree a substantial deal.

    Well, the UK did leave the EU and just about managed to agree a substantial deal though not a very good one.
    Prediction mostly inaccurate.

    No trade deal with the USA

    No trade deal with the USA.
    Prediction accurate

    Yvette Cooper will become the leader of the Labour Party.

    Missed this one but I note that Rosemary Hannah correctly tipped Starmer in the comments.
    Prediction inaccurate.

    Stock market lower at the end of the year than it is today. (FTSE 7,542.44)

    FTSE at 6470.
    Prediction accurate.

    Increasing visible support for LGBT Roman Catholics from within the Roman Catholic Church.

    This was the one that most people seemed to think bonkers. I actually had in mind something quite local which didn’t happen due to Covid but which I think might happen next year instead. However, the Holy Father came through for me – “Pope Francis backs same-sex civil unions” and in recent days we have had – “Head of German bishops, self-described conservative, calls for change”. Stuff is happening in the RC church. It is a long journey but there’s change in the air. Prediction accurate.

    Overall – not bad, considering…

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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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