The economic value of water

The River Cam in Cambridge. Recently, we looked at why water can be more expensive than beer, even though water doesn’t attract excise duty Water is the most important commodity in the world, it is indispensable for life, yet, it is also one of the cheapest. In many circumstances we can say water is a …

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Questions on Public Debt

The UK ‘Public sector Debt’ is now approximately £800 billion (July 2009 – ) Question: Who do we owe it to? People and financial institutions who bought the UK bonds and gilts. These are mainly financial bodies such as pension funds, investment trusts. The irony is that many people in the UK who have private …

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Baltic Dry Index Explained

The Baltic Dry Index is a measure of the international price for sending commodities by sea. It is calculated by combining the price of different shipping sizes for dry commodities. Commodities include metals, grains, crude oil. The Baltic Dry Index developed in the mid-eighteenth century.  It gained the name Baltic Dry index partly because at …

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How Debt Consolidation Works

In a recent post, UK personal debt, we looked at why UK debt had fallen for the first time since records began. Nevertheless, personal debt is still over £1.45 billion. Within this debt are many overburdened with debt from a variety of sources from personal loans to credit cards and store cards. Debt consolidation is a way to integrate all loans into a single payment. There are pros and cons to these schemes. It may be suitable for people in certain situations. But, it is good to get impartial advice before undertaking such a scheme. Unfortunately, financial literacy in the UK is often quite poor. I feel personal finance would make an excellent subject to be taught at school.

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Mobile Phone Market

T-Mobile and Orange mobile phones have stated that they intend to merge to form a new mobile phone company. The merging of brands will take over 18 months as they decide which brand to promote. Currently, the market share of the four leading mobile phone providers is O2 27% Vodafone 25% Orange 22% T-Mobile 15% …

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