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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.

Turning The Tables on Telemarketers

Introducing the telemarketing counter-script, a step-by-step tutorial on how to get a telemarketer to hang up on you.

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Timely Debt Warning

Check out this debt clock, which tabulates the stunning amount of money the United States owes on a real-time basis. Don't feel too smug, though. If you click on the World Debt Clocks link, you'll see that Canada's debt is comparatively substantial.

Disclosure Takes A Hit

The Investment Funds Institute of Canada has stopped reporting how individual companies are doing in its monthly fund sales reports. Rudy Luukko of Morningstar Canada tells you why you should care as an investor.

Death To Dollar Cost Averaging

Dollar cost averaging is a strategy where you invest gradually rather than in a lump sum. This calculator suggests that the lump-sum approach actually gets you better returns most of the time. Don't dismiss DCA completely, though. It's a good way for nervous investors to edge into the stock market.

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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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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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