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Consumer Surplus

Sam Bowman

A newsletter by Sam Bowman

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Latest Issues

Recent posts by this newsletter. Browse the email archive.

Ode to an ISA

The UK's ISA (Individual Savings Account) has some claim to being the most powerful savings vehicle in the world. For those not familiar with it, it is a savings account you pay in to with after-tax income, in which interest, dividends and ...

3 months ago

Britain is a developing country

Since the 1970s, economic growth in the world’s most advanced economies – and indeed science itself – appears to have slowed down. These “frontier” economies are the canary in the coalmine, because they have, in theory, maxxed out how much ...

a year ago

Democracy is the solution to vetocracy

Aberfeldy Village is a housing estate in Poplar, East London, largely redeveloped after the War. It’s about 30 minutes’ walk from Canary Wharf and, although it’s densified a bit in the past decade, much of it is still low-rise terraces for ...

a year ago

Capping ISAs: the latest bad idea in British policymaking

The Resolution Foundation wants to cap ISAs (individual savings accounts), the UK’s tax-protected savings and investment accounts. You pay into an ISA with your post-tax income, and can either invest within it or just get interest on cash s...

a year ago


The writers behind this newsletter.

  • Sam Bowman

    I'm the co-founder and editor of

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