Rob Carrick, The Globe and Mail

Rob Carrick

The Globe and Mail

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Recent articles by Rob:

A Gen Z on home ownership: ‘I just don’t want to put myself through that’

Plus, a helpful overview of what compensation you’re entitled to if your flight is delayed or cancelled and saying goodbye to free online returns → Read More

for good and bad - on how well homes have performed as an investment

Investment success in housing comes at the expense of affordability for people trying to buy into the market → Read More

A bond ETF for investors who fear and loathe bonds. Plus, should I buy the Purpose Longevity Fund?

A roundup of investment ideas for active investors → Read More

Top GIC rates for investors who only deal with big banks, including a 5 per cent offer

Big banks have been pushing their rates to new highs → Read More

Five ways to check your credit score for free

Rob Carrick says your credit score is increasingly important as an indicator of how you manage not only your debts, but also your life → Read More

Saying no to cryptocurrency was a glorious moment for Canada’s investment advisers

As prices collapse, many are feeling vindicated for not buying into the hype → Read More

Enough with the lectures for families to cut spending

These planning Einsteins have taken a wrong turn in recently publishing a survey that basically shames people for small missteps, Rob Carrick says → Read More

Rob Carrick: If you want 5% returns and more, corporate bonds look good in comparison to GICs

There are significant benefits to losing the safety guarantee → Read More

TFSAs to the rescue: How to use the higher 2023 limit to play both offence and defence in your finances

Six things you should and should not do with your TFSA as the new $6,500 annual contribution limit kicks in next year → Read More

Rob Carrick: What the Algonquin Power debacle says about dividend stocks versus GICs

Has dividend investing met its match in the 5-per-cent GIC? Rates of 5 per cent and even a bit better are available on guaranteed investment certificates from a wide variety of alternative banks and credit unions. Given that both banks and credit unions have deposit insurance plans, there is virtually no risk of losing money in a GIC. Assume more – much more – risk to get a 5-per-cent yield from… → Read More

These five ways to grab high rates on savings, GICs and more won’t last long

Rob Carrick outlines five ways to maximize your returns on virtually risk-free money. → Read More

The crash course in personal finance you never got in school

Rob Carrick suggests personal finance newbies enroll in the MoneySmart Bootcamp → Read More

High interest rates are an assault on young Canadians

They’re paying more to own expensive houses that in many parts of the country are worth less and less, says Rob Carrick. Unless rates peak soon and then head lower, the financial arc of their lives could be changed for the worse → Read More

This is the savings vehicle if you want rates that move higher in lockstep with the Bank of Canada

A roundup of investment ideas for active investors → Read More

Comparing Toronto house prices to the early 1990s crash

In the early 1990s, the Toronto housing market crashed. That is not hyperbole. Historical numbers from the Canadian Real Estate Association show the average resale price gradually fell from $254,197 in 1989 to a low of $195,311 in 1995, a 23.2 per cent drop that felt shattering if you were a homeowner in the city. As of October, Toronto housing was down 18.3 per cent from its February 2022 price… → Read More

Recent home buyers on erupting mortgage payments, how their parents are helping and who they blame for rising rates

Almost one in three of 653 people surveyed said they’re feeling the financial pain of being first-time homeowners, but are managing. Just more than 10 per cent described themselves as struggling → Read More

Please explain how the Bank of Canada’s fight against inflation actually helps people

Rob Carrick answers a reader question on how him paying hundreds a month more on his home equity line of credit is helping Canadians with financial situations → Read More

Eight things a brutally honest investment adviser would tell you about fees, returns and more

Investing in 2022 has been a lot les fun than a year ago. Here are eight things to consider when you talk to your investment advisor → Read More

This ETF is stuffed with bank stocks and bonds

A roundup of investment ideas for active investors → Read More

For the sake of their financial future, young people should leave Toronto and Vancouver

They may be great places to live, if you can afford it. If not, living in Vancouver and Toronto can be harmful to your financial health → Read More