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Rob Carrick’s Reader: Don’t buy a new iPhone now

A customer uses his new iPhone 4S after making the purchase at Apple's flagship retail store in San Francisco, California October 14, 2011. Apple Inc's new iPhone 4S went on sale in stores across the globe on Friday, prompting thousands to queue around city blocks to snap up the final gadget unveiled during Steve Jobs' life.

Robert Galbraith/REUTERS

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

Don't buy these electronic gadgets
A list of gadgets you'd do well not to buy right now, either because they're about to be replaced by something better or because they're not worth owning. Top of the list is the iPhone.

The cost of keeping your kids busy
A U.S. poll finds that the average cost of summer activities for kids is $601. Affluent families spend more than double that amount.

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Bulletin for bond investors
An argument that investing in individual bonds rather than bond funds (yes, that includes bond exchange-traded funds) is a better approach when interest rates are rising.

Help for the massively indebted
A five-part guide for people with crushing debt loads. Covered here are the ins and outs of using a bankruptcy trustee, and of using an approach called a consumer proposal, where you offer partial payment to your creditors.

More money
Join the 14,000+ 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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About the Author
Personal Finance Columnist

Rob Carrick has been writing about personal finance, business and economics for close to 20 years. He joined The Globe and Mail in late 1996 as an investment reporter and has been personal finance columnist since November 1998.Rob's personal finance columns appear in The Globe on Tuesday and Thursday, and his Portfolio Strategy column for investors appears on Saturday. More

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