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Which Rob Carrick columns did you click on in 2012?

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

1 of 10

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. Read the column here

2 of 10

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. Read the column here

Rafal Gerszak/The Globe and Mail

3 of 10

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. Read the column here

Rafal Gerszak/The Globe and Mail

4 of 10

Don't believe retirement doom and gloom. Leading thinker Malcolm Hamilton on why you shouldn't believe everything the finance industry tells you. Read the column here

Michelle Siu/The Globe and Mail

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5 of 10

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? Read the column here

Graham Hughes/The Canadian Press

6 of 10

Here's what your adviser really thinks of you. Professionals provide some blunt, hard-nosed feedback to investors. Read the column here

7 of 10

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. Read the column here

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8 of 10

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. Read the column here

Moe Doiron/The Globe and Mail

9 of 10

Calculating the cost of a good retirement. Rising life expectancies and lacklustre returns are challenging traditional assumptions about life after work. Read the column here

Elena Elisseeva/

10 of 10

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. Read the column here

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