Why has the mood shifted on immigration?

One of the leading factors in the Brexit debate was that of immigration.

Be it Nigel Farage standing in front of a poster showing a line of refugees or those elusive rumours that Turkey would join the European Union and that we would see more a heavy influx of migrants, the people were bombarded with the idea of outside forces influencing and blanketing the U.K.

Due to this kind of tabloid journalism many people believed that migrants were the cause of their woes and that immigration was causing a national identity crisis.

Since the Brexit vote, however, the mood toward immigration has rather quickly swung in the opposite direction. As Professor Rob Ford, researcher of immigration trends at the University of Manchester has mentioned, this trend may be down to three predominant factors.

1. The people believe that the immigration issue has been “dealt with”.

2. National debate drew attention to how much immigration contributes to the U.K.

3. The culture shock of immigration of Eastern Europe has dissipated.

With this in mind, how would the vote swing if another referendum were to take place?

Crawley Creeps, Vol.7

Melissa felt the cold in her bones. Her muscles felt like they were locked in cramp, her breaths were short and awkward. Her leg itched and she wondered if she would need to go to the hospital.

They had been walking since the early hours of the morning. For over four hours they had made their way through the forest using only the cones of their LED flashlights. Dense clusters of wet skeletal trees and the onslaught of rain drowning out all other sound had left Melissa feeling disorientated and claustrophobic.

The light of day had come slowly, the sky above moving sluggishly through shades of grey until Melissa and Nora no longer needed their flashlights. It was just as well. They had been stupid enough to leave the pack of batteries in the house.

‘We need coffee. Something warm,’ Nora said. Melissa looked over to her sister. She looked like hell. Melissa guessed she looked the same.

‘I’m going to keep looking,’ Melissa said.

‘No you’re not. You’re coming to get a drink.’

‘Nora—‘

‘Bollocks. You’re coming with me. I’m freezing Melissa. I’m so cold, I can barely concentrate. We’ll get a coffee, grab a snack and come straight back in. We can go to Smith and Western. They’re open for breakfast.’

Melissa looked around. Trees and more trees. The sound of the motorway was dull here, the sound broken by the forest. She wanted to keep looking. Needed to find her husband and needed him back home where she could make sure he was safe and not running around in the dark, alone and out of his mind.

‘Don’t cry,’ Nora said. She came over and wrapped her arms around Melissa’s shoulders. Before she knew it, Melissa was bawling into her sister’s shoulder. David had left once before and they had found him hours later in the hospital. He had been standing on the side of a building debating whether or not to jump when someone had intervened. He had run off into the woods with a knife.

‘I can’t stop thinking of him sitting at the trunk of a tree somewhere with his wrists cut open and…and just bleeding out.’

Nora stepped back, grabbed Melissa by the shoulders. ‘Don’t you dare think that. You said yourself that he wasn’t in his right mind. He’s been taking his medication. He said he heard something. Has he ever acted like that before?’

Melissa shook her head.

‘Exactly. He’s not come out here to kill himself. He came out here for a completely different reason. He cut you, Melissa.’

‘It was—‘

‘I know it was an accident. But even if it was an accident, if he was in his right mind he would have stopped and helped. He was out of his mind. He has walked off in his sleep before. And what happened?’

‘He came back.’

‘Exactly. Right now we need to drink something. Eat something. Whatever. It’ll take us twenty minutes to get there, ten minutes to get food and twenty minutes to get back. We’ll keep looking. If we can’t find him we’ll call the police.’

‘If we tell them he has a knife they’ll arrest him.’

‘Then we don’t tell them about the knife. Chances are he dropped it when he woke up and realised he was in the bloody woods. For all we know he’s on his way back home and he’ll call any minute. Now come on. We need something to warm us up.’

‘Okay,’ Melissa said. She dried her eyes, nodded to herself. ‘Okay.’

They knew Tilgate Park well enough to know the general direction of Smith and Western. They traipsed through the trees, across mud and moss and through puddles when they reached a clearing. Firs lined the space, green needled branches reducing the sound of the motorway to a distant hiss.

They were halfway across the space when Melissa stopped.

‘What’s up?’ Nora asked. Melissa’s head oscillated one way, then the other. She turned round and repeated the motion. ‘Melissa. Are you okay?’

Melissa felt a tingle at the base of her skull. A tickle that turned to something warm and strange. She looked left. Right. There. There it was. Coming from over there. She took a step forward and was rewarded with a flush of heat.

Nora felt her heart thumping in her throat. Her sister was shuffling. Stumbling. ‘Melissa what the hell’s wrong with you,’ Nora said, stepping forward and taking her sister by the arm. Melissa whirled, eyes searching wildly but looking straight through her sister.

‘Can you hear it?’

A Tech Too Far

Always read the fine print. Actually, scrap that. Don’t bother. You don’t read it. I don’t read it. We all want facebook on our phones. And whatsapp. And Instagram. These things are tools of the modern age. These services provide that “connectivity” that people have been lauding. And besides, if you don’t agree with sharing your pictures, snippets of your voice picked up by microphone and data on where you live and your viewing habits, well, facebook, Whatsapp and instagram don’t want you.

No, wait. Go back to the fine print. You can choose to “out” of these options. And it is definitely for the best. Why? Well, let’s have a look.

Andy Jones, who wrote an article on behalf of the ‘i’ newspaper titled “Why your social media activity could stop you getting a mortgage” scared the s#!t out of me.

Released today (21st September, 2018), Andy reported that mortgage providers and insurance firms are trialling the use of social media services on people who are seeking their services. No longer will providers request information from banks on your spending habits, but they will look at your viewing history as well.

“Promoting their service, The Online Me, Hello Soda says: “Every time you make a submission for a loan, a house, or a job, someone is vetting your social profiles.” That’s about as comforting as the thought of a stranger standing at the end of your bed.

HMRC, that scourge of the commoner and hero of the super-rich (see upcoming blog) openly says it will “observe, monitor, record and retain internet data” which is available to everyone including “blogs and social networking sites where no privacy settings have been applied.”’

The reason that mortgage lenders and insurance companies plan to do this is because they will better get an insight into your history, your holidays, how you spend your money and so forth. If you are holidaying every month and you’re not rolling in spondulicks then they would bring in a bunch of sun-deprived voyeurs to do a thorough search. When I read that article my immediate thought was: what does my social media say about me?

You see the danger of this now?
Imagine, in a society in the not so distant future, that you go on your annual family holiday and take a picture of the whole lot of you by the pool. And then you get home and apply for home insurance. Your case is decided by someone in an office clicking their way around your facebook profile.

How did they pay for that holiday? Was it with credit? Do they have a credit card? How do they pay that money back? How often? Have they missed any payments? Did they pay for it using nectar points or clubcard points? Let’s look at that image, where did they go? They had their locations settings on when they posted. That’s handy. Spain! Aha, okay. South east Spain. A villa. Aha! Less than five minutes from the sea. On a hilltop. I bet they paid extra for that view. How much was it exactly? Okay, let’s backtrack. Where does this person live? Eastbourne? Hmm… best do a google map search and see what kind of house they have.

If you think I’m dancing with hyperbole, I’m really not. The searches undertaken by the HMRC could “include anything from evidence of lavish spending on faceback to Google Earth pictures proving you have had an extension.” Forget that you paid for that extension with cash that your grandma left you, you have had the extension and that is what matters.

Imagine you wanted to travel the world. You want to have a bunch of adventures and when you get back you want to buy a house. You want life insurance. If something were to happen to you, your partner or the person with their name on your will no longer have to worry that they cannot pay for that house. You will get back from travelling and post a travel album. There you are smiling on top of Kilimanjaro. And an insurance company now has the rights to check out your lifestyle as part of their cover.

Cue the person considering your case, clocking in, sitting at their computer, clicking a few buttons and having access to your profiles.

Ah, they like expensive hikes. Is that jacket North Face? Hmm, that looks like specialist gear to me. Perhaps they spend frivolously. That would have to be taken into consideration.

There you are, arms wide at the top of a cliff, embracing the world with the wind in your hair.

Hmm, what does that say about them? They are after life insurance after all. I’ll put in the report: “likes to take risks”. It’ll likely increase their premiums but it is for the best.

And there you are strapped to another human being as you plummet toward the earth, smiling at the camera, enjoying one of the best, most thrilling and memorable moments you will ever experience.

Okay, wow. Skydiving in New Zealand! I’ll put: “Puts themselves in harm’s way. Likes extreme sports. Higher risk of injury or casualty.”

This is purely speculative, I cannot stress that enough. But I am, however, convinced that insurance companies are becoming more malign in their actions.

In 2016 I purchased insurance for my car. Fire and theft were included. In 2017 I used a comparison site in order to find my next insurer. I found one I liked and went to their page. After answering the questions I was met with that usual five to eight pages that ask you what extras you might like to include in your policy i.e. breakdown cover, jelly-bean scent, you name it. On the first page it asked me if I wanted to include fire and theft for an extra fee. That raises two questions. The first: why was that not included? Second, why are they charging extra for something that should already be included in everyone’s insurance plan?

It is common knowledge that companies are purchasing data. Fintech is a flourishing sector and the more personal it becomes, the more effective it becomes. And the easier it becomes to separate consumers from their money. I’ll be honest, I love when Man-Booker Prize winners are announced. I know that I am probably going to buy the latest winner and probably a couple more authored by the runners-up. If these books have been shortlisted for the most prestigious award in the world of literature…I want them.
That time of the year would be an easy target for advertisers. Waterstones, Amazon, Foyles, it does not matter. I would probably be susceptible.

Let us go back to that annual family holiday. It takes place in the same few weeks every year (as most peoples do considering families are limited to school term times). You have been targeted by a whole bunch of advertisers and marketing companies putting forward things you may or may not need for your holiday. But the fear is that it could get even more personal. If an algorithm can detect brands in the photos you post, you may be directed deals from that brand in the future. Your taste in cars, motorbikes, foods, jewellery, clothes. It can all be used in order to entice people to purchase goods they do not need. But when advertisements are tailor-made around your lifestyle it would become considerably harder to resist.

When I have looked at travel destinations on google, I often get suggestions afterward on places to go and gear to buy on what I recently believed were unconnected pages i.e. pinterest and instagram. This is something that anyone with a social media account experiences day-to-day.

The things that I have mentioned are not some strange conspiracy in which the “establishment” are dominating the world, it is just the future of marketing and risk management. As Rana Foroohar says in the Financial Times post (17th September, 2018) when reporting on a senate meeting regarding fintech, the Treasury “talks approvingly of data sharing among technology companies and big banks to improve efficiency, scale and lower consumer prices.

“The report puts rather less focus on the on the systemic risk and predatory pricing that could emerge if the world’s largest technology companies and the biggest banks on Wall Street share consumer data.”

As mentioned above, this is the possible future of marketing and risk management. But it is marketing and risk management that poses the danger of exceeding a moral boundary.

We are living in an age where the online and the offline world’s perimeters are blurring. We see something funny or something bad and we either tell our friends, or tell the world via a post. Or both. We want to take photos a certain way because we have seen something like it online. We share photos (don’t even get me started on the overkill of parents posting umpteen number of baby pictures) and we share memes. We share life quotes, music videos, book recommendations and generally scream our point of view into what is essentially…storage space. And why do we do it? Because it’s fun.

Maybe it is best that, however, that you pick and choose your data settings wisely. Because fun is not worth painting yourself a target for corporate interest.