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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.

Taking A Bite Out Of Debt

A favourable take on the federal government's announcement Monday of measures to slow growth in household debt.

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The 411 on ETFs

John Gabriel, an ETF specialist at the independent investment analysis firm Morningstar, offers these three new year's resolutions to people buying exchange-traded funds.

Those Filthy Bank Machines

Germ alert: Bank machines are as dirty as public toilets

Butting Heads With Your Broker

Some user-friendly changes have just been made to the arbitration plan the Investment Industry Regulatory Organization of Canada offers to disgruntled clients.

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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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