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

Is Home Ownership Overrated?

This question is increasingly being asked in the United States, where the housing collapse has caused people to question assumptions about housing that we in Canada still hold dear.

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How Are You Doing?

A technical paper on the various approaches to calculating the rate of return for your investments. If your brokerage firm or adviser doesn't offer personalized rates of return, bug them about it.



Annuity Takedown

This Wall Street Journal article says annuities, where you pay a lump-sum amount to an insurance company in exchange for income for life, are a bad deal right now because interest rates are low and set to move higher.

Best of the Blogs

Globe journalists (myself included) and outside bloggers have teamed up to create lists of top money blogs. Now, we want you to vote on which of our picks you like best. In a week, we'll publish your choices for the best of the blogs.

Click here for an overview of 2011's Best of the Blogs nominees

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Vote: What's the best Canadian personal finance blog?

Vote: What's the best Canadian investing blog?



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Editor's note: If you don't receive Rob Carrick's newsletter twice weekly by email, you can sign up to get it for free at The Globe and Mail. All you need to do is register for the site, or if you've already registered, login and go to your profile at the top of the homepage. Once you're in your profile, look under Newsletters and Alerts and look for the Personal Finance Reader and other newsletters. Other financial newsletters include: Business Ticker, a summary of the day's top business stories; Berman's Market Update, a summary of the markets at the open, noon and close; and All-Star Investors, a monthly collection of articles exploring an investing trend or theme.

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Welcome to The Globe and Mail’s comment community. This is a space where subscribers can engage with each other and Globe staff. Non-subscribers can read and sort comments but will not be able to engage with them in any way. Click here to subscribe.

If you would like to write a letter to the editor, please forward it to letters@globeandmail.com. Readers can also interact with The Globe on Facebook and Twitter .

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