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Hundreds of prospective candidates await their turn to apply for job openings at a Target job fair in Los Angeles Thursday, Jan. 10, 2013.Damian Dovarganes/The Associated Press

The best of the web on money, markets and all things financial, as chosen daily by Globe and Mail personal finance columnist Rob Carrick.

Why I'm planning on 2 per cent returns
A financial writer explains why he uses returns of 2 per cent after inflation in his personal investment planning. He also goes to town on the idea that you can expect an 8-per-cent return over the long term.

While on the topic of investing, check out the chart in this blog post from Princeton University economist Burton Malkiel on how terrible retail investors are at guessing the best times to buy and sell stocks.

Introducing Generation Jobless
Here's an infographic on the economic challenges facing Generation Y prepared by CBC to accompany a documentary, called Generation Jobless.

On a related note, this is a Q&A we ran last week to update the story of a Gen Y job seeker whose eloquent letter we published online last spring.

It's not too late
That's what analyst Ron Meisels says in this blog post to someone wondering whether there's still time to benefit from the recent stock rally.

More money
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