I had the day off work today to go to the RPAH Allergy Clinic in Camperdown. Thankfully tests showed that I wasn't allergic to cock.

Maybe that's why they call it a prick test. Tee hee hee.
Actually, 'cock' apparently refers to cockroach. I told them they should have splurged to get the extra letters added to the stamp.
Having the day off work meant I could finally accommodate the opening hours of the Newtown & Enmore Starr-Bowkett Co-Operative Building Society. You would have walked past this place, just opposite @Newtown, many times.


And maybe you've even stopped to look at these signs in the window.

I have long been intrigued by this place. They offer interest-free loans via a ballot system in return for paying a monthly fee to the co-operative, which you start paying even before your number has come up in the ballot. This seems to be an extremely novel and ye olde worlde way of obtaining a loan, which appeals to me greatly. Starr-Bowkett societies were started in 1862 by Thomas Edward Bowkett, a radical philanthropist and unionist who wanted to emancipate the working classes from the 'trickery and deception' of the loans schemes offered by 'artful money lenders'. Here here. In 1984, the Newtown-Enmore branch paid out more than a million dollars in ballots.
Now the Newtown-Enmore branch is the last one operating in Australia, but sadly, as they told me today, they're not accepting any new members. They're simply paying out the loans that are still in the ballot, and then closing down. Financial deregulation has squeezed them out of the market. It's a real shame, as you would think that in the current anti-bank climate, they could undergo a revival. Think of the PR opportunities in this:
In 70 years Starr-Bowkett societies in NSW have suffered a total loss of less than $4,000, and in 100 years of operation, the Newtown-Enmore Starr-Bowkett Societies have never had to call in a mortgage, as the personalised knowledge inherent in the Society has allowed repayments to be rescheduled to meet the member’s changed circumstances.
I've always thought when walking past this place, 'Gee, it's amazing that it's still going', so I guess I can't be too surprised that it's not. I once met a nun who said they were no longer accepting new members of her order; it would just end once all the existing nuns died. I often wonder about how that last nun would feel, having given her life to something that no-one wanted to replenish and that would have no legacy.
I feel the same kind of nostalgic hopelessness about the Starr-Bowkett place. Now every time I walk past the sign in the window I'll be wondering if it's the last ballot results which will ever be pinned up.
Quotes and info on Starr-Bowkett societies sourced from a paper here. Amazingly there is no Wikipedia entry on the subject.