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Rob Carrick's Reader: Pay down debt, skip the TFSA

last puzzle piece to be debt free. Personal finance, debt, savings, debt-free

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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.

Pay Down Debt, Skip The TFSA

A look at when it makes sense to pay down debt instead of contributing to a tax-free savings account. The simple math in this example: Mortgage at 4.35 per cent, TFSA making 1.75 per cent in a high rate savings account.

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Insurance Buyer's Guide

This infographic will guide you through the process of deciding what kinds of insurance you need.

Stocks For Goats

Market forecaster John Hussman sees 25 per cent losses coming in a stock market he describes as a " goat rodeo." Hussman's track record: He got 2007 right, but has missed a couple since then.



Goodbye, Oil

There are 15,281 days left until the global oil supply runs out. That's according to a hypnotic website called Worldmeters that keep a running tab on global statistics like births, deaths, government spending, blog posts, money spent on video games and energy consumption.



Personal Finance on Facebook

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Subscribe to my Facebook page to hear what people are saying on issues like whether to use stocks, exchange-traded funds or mutual funds.



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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, log in 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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