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The best of Rob Carrick's personal finance stories from the last year, as chosen by our readers

2012 vs. 1984: Young adults really do have it harder today. Soaring tuition and real estate costs make it tougher for young people to be financially self sufficient than 30 years ago. <a href = "http://www.theglobeandmail.com/globe-investor/personal-finance/2012-vs-1984-young-adults-really-do-have-it-harder-today/article4105604/"> Read the column here </a>

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Buy now to get an unheard-of rate for a 10-year mortgage. ING Direct product lets you borrow money at 3.99 per cent. It's like freezing time at the exact best moment ever to finance the purchase of a house. <a href = "http://www.theglobeandmail.com/globe-investor/personal-finance/buy-now-to-get-an-unheard-of-rate-for-a-10-year-mortgage/article1358762/"> Read the column here </a>Rafal Gerszak/The Globe and Mail

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Ready to be bold? Sell the house and rent. Bubbly housing markets in Vancouver and Toronto have some homeowners thinking of selling before a correction hits. <a href = "http://www.theglobeandmail.com/globe-investor/personal-finance/mortgages/home-buying/ready-to-be-bold-sell-the-house-and-rent/article4104146/"> Read the column here </a>Rafal Gerszak/The Globe and Mail

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Don't believe retirement doom and gloom. Leading thinker Malcolm Hamilton on why you shouldn't believe everything the finance industry tells you. <a href = "http://www.theglobeandmail.com/globe-investor/personal-finance/dont-believe-retirement-doom-and-gloom/article551466/"> Read the column here </a>Michelle Siu/The Globe and Mail

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Young adults have a right to be up in arms. Sky-high student debt, a dismal job market, home ownership out of reach: Is it any wonder twentysomethings are angry? <a href = "http://www.theglobeandmail.com/globe-investor/personal-finance/young-adults-have-a-right-to-be-up-in-arms/article4105295/"> Read the column here </a>Graham Hughes/The Canadian Press

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Here's what your adviser really thinks of you. Professionals provide some blunt, hard-nosed feedback to investors. <a href = "http://www.theglobeandmail.com/globe-investor/investment-ideas/heres-what-your-adviser-really-thinks-of-you/article4092602/"> Read the column here </a>

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The iPhone’s sexy, but ‘I save’ is far smarter. The only way to save more is to spend less. The iPhone and similar devices make that a challenge. <a href = "http://www.theglobeandmail.com/globe-investor/personal-finance/household-finances/the-iphones-sexy-but-i-save-is-far-smarter/article4550301/"> Read the column here </a>The Globe and Mail

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Downsizing to condoland? Why it’s best to rent, not own. After cashing out home equity, buying a condo might seem a logical move but there are better uses for that jackpot. <a href = "http://www.theglobeandmail.com/globe-investor/personal-finance/mortgages/downsizing-to-condoland-why-its-best-to-rent-not-own/article4619669/"> Read the column here </a>Moe Doiron/The Globe and Mail

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Calculating the cost of a good retirement. Rising life expectancies and lacklustre returns are challenging traditional assumptions about life after work. <a href = "http://www.theglobeandmail.com/globe-investor/personal-finance/retirement-rrsps/calculating-the-cost-of-a-good-retirement/article4230921/"> Read the column here </a>Elena Elisseeva

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Our debt troubles aren’t as dire as we think. It’s a great time to buy a new vehicle to replace an aging one, and that’s where most of the increase in Canadians’ consumer debt came from. <a href = "http://www.theglobeandmail.com/globe-investor/personal-finance/household-finances/our-debt-troubles-arent-as-dire-as-we-think/article4503814/"> Read the column here </a>

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