What is in Kelvin's Head?

Last year’s predictions – how did I do?

31/12/2019

The UK will begin leaving the EU on 29 March 2019. It will take 10 years to leave, 10 years for it to be evident to the whole country how stupid it was and 10 years to get back in, with none of our current special measures. (Hope this prediction doesn’t come to pass but fear it will).

Well, we didn’t begin leaving on 29 March 2019 but the clock is ticking. Failed prediction

The only thing to make EU-positive lefty-liberals to have pause for thought will be the EU Elections in May which will result in big gains for the so-called populist right.

Well, the populist right did well but not that well. It wasn’t the overwhelming success many predicted. And the liberal left collapsed rather than took notice. Failed prediction.

No progress towards same-sex marriage in the Church of England, despite much clearer calls for it to happen.

No progress but the emergence of the Campaign for Equal Marriage in the Church of England does offer some encouragement. Prediction fulfilled.

Significant concerns in many UK dioceses about the cost of bishops, and particularly their spouses, attending the Lambeth Conference in 2020. (Over £5000 each).

There is undoubtedly concern about this and there’s been some online comment about through the year it but not a major press scandal yet. (Any spouse going to this is complicit in homophobia and expensive homophobia at that). Prediction fulfilled.

Elizabeth Warren / Beto O’Rourke begin to emerge as the Democratic dream ticket.

Beto is out, Warren is still in. No dream ticket. Failed Prediction.

Stricter legislation in connection with drone operators.

New regulations announced. Prediction Fulfilled.

Steps towards legalisation of cannabis under serious consideration within SNP.

SNP did exactly as I predicted. Prediction Fulfilled.

No referendum on Independence.

Prediction Fulfilled

Cyber attacks merging with terrorist attacks.

Difficult to prove who is behind these things but they are increasingly being regarded together by the security services. New legislation adopted in USA to try to combat it. Am claiming this one as a win. Prediction fulfilled

One of Scotland’s daily newspapers ceases print publication.

Not yet. Not yet. Failed prediction.

2019 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.

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