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A variable-rate mortgage entails a vulnerability to possible short-term rate increases by the Bank of Canada.RAFAL GERSZAK/The Globe and Mail

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

Long live the variable-rate mortgage
A mortgage broker looks out five years and decides variable-rate mortgages will save you money, even in a rising rate world.

What investors should focus on in 2014
A list of 10 themes that will drive investment returns.

Poverty explained
If you want to know why low-income people make the choices they do, read this very sobering account by a working mother who is juggling two jobs and going to school.

Whatever happened to Occupy Wall Street? Some former members of the movement have founded a group called Rolling Jubilee that helps people in financial trouble by paying off their loans.

More money
Join the 33,000+ people who subscribe to my Facebook personal finance community for talk about investing, retirement, real estate, banking and other financial matters. I'm also on Twitter.

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