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A path of pennies leads from a house sitting on a pile of money to a piggy bank, into which a hand is placing a penny.Getty Images/iStockphoto

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

Five factors that will drive mortgage rates this year
A mortgage broker's analysis of where borrowing costs will head in 2015. Bottom line, he sees downward pressure on rates.

Stop trying to spend your way to happiness
This blog post makes a great point: Learning to separate "happiness" from  "spending money" is the quickest and most reliable way to a better life.

The $30 smartphone is here
OK, make that $30 (U.S.). The point is that cheap smart phones are available, and they're getting better.

Credit cards are for suckers
So says a blogger who offers a list of ways we deceive ourselves about credit cards.

More Money
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