Borrowing
ECONOMICS
Won't be first time if US defaults
![David Potts dinkus.](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/09/17/4755719/David%20Potts%20dinkus-90x60.jpg)
David Potts For once it's politicians and economists, not the markets, who've been having conniptions about the US defaulting on its debt.
PROPERTY SPECIAL
Bank on getting a foot in the door
![Michael Trajkovic with partner Krystina Tsatsoulis at their property at 23 Phipps Cr, Diamond Creek. THE AGE . money . 23 September 2013 . PHOTO BY LUIS ENRIQUE ASCUI](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/10/08/4812562/rh-320-prop_20131008121141840786-90x60.jpg)
David Potts The system is slanted towards buying a home, so if you can't beat it, why not join it?
GETTING STARTED
Solid foundation to super investments
![Property Investment . Illustration Karl hilzinger . 14th September 2011 . For Afr Special Reports .
colour cartoon / illo / illustration / toon / artwork](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/10/08/4812568/rh-320-potts_20131008121916106611-90x60.jpg)
David Potts Every government outfit in town is against you setting up your own super fund to buy an investment property.
Bright ideas for loan savings
![Penny Pryor dinkus.](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/09/17/4755728/Penny%20Pryor%20dinkus-90x60.jpg)
PENNY PRYOR Low interest rates are making it a lot easier for you to pay off your home loan.
MORTGAGE RULES
Pay down that debt to get ahead
![SHD News. Generic model house made of money. Photo Danielle Smith
BRW100401](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/09/03/4715490/rh-320-nic_20130903140026730857-90x60.jpg)
Nicole Pedersen-McKinnon Paying down debt is pretty much the top strategy to building wealth; it's often even better than buying shares or investing in property.
PROPERTY
Ups and downs on the way home
![penny pryor](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2011/07/30/2527106/Penny-Pryor-dinkus-90x60.jpg)
Penny Pryor If you are looking to buy a property, try not to get caught up in the hype at auctions.
INSIGHT
Rise in property prices threatens to grow bubbles
![iStockphoto. Blowing bubbles, Bubble Wand, Bubble, Child, Blowing, Little Girl, Rainbow, Women, Baby Girls, People, Small, White. Photo can be reused. SHD Investor. 15 April 2010
istock](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/08/27/4696072/rh-320-bubbles_20130827125809442746-90x60.jpg)
Clancy Yeates Low rates and a buoyant auction market are breathing new life into an age-old debate: are Australian house prices at risk of entering bubble territory?
BORROWING
Information key to securing savings
![Mark Bouris](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2012/02/26/3075173/Mark_Bouris-90x60.jpg)
Mark Bouris It concerns me that many mortgage holders are not responding to the low interest rate.
BORROWING
Making most of low rates
Mark Bouris The reduction of official interest rates to 2.5 per cent is a historic event that raises several questions.
INSIGHT
Big banks think small
![BANKS;SYD;970409;PIX PHIL CARRICK;AFR;NEWS;
S
GENERIC!!!! MONEY,BANKS,WALLACE INQUIRY ETC..
***afrphotos.com***](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/08/13/4657739/rh-320-bank_20130813143937298831-90x60.jpg)
Clancy Yeates Although we love complaining about the big banks, satisfaction with them has climbed to almost 80 per cent
RATES
Seduction by deduction can cost you
![Mark Bouris](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2012/02/26/3075173/Mark_Bouris-90x60.jpg)
Mark Bouris I'm concerned this low-interest rate environment has produced a confusing borrowing market.
BORROWING
Judge backs customer's credit card scam
![Karl Hilzinger Colour illo / illustration / cartoon / toon / artwork
Rising Credit Card Costs . Illustration Karl Hilzinger . 17th September 2010 . For AFR .](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/08/09/4646743/rh-320-card_20130809082807180955-90x60.jpg)
Russian man changed credit card contract, bank failed to read new terms, bank loses in court.
RATES
A quick fix or simply smart?
![penny pryor](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2011/07/30/2527106/Penny-Pryor-dinkus-90x60.jpg)
Penny Pryor It's a good time to consider locking in your mortgage, but there can be drawbacks.
BORROWING
Rate expectations: drums beating for a cut
![David Potts](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2011/05/07/2349989/David%20Potts-90x60.jpg)
David Potts It would be a brave Reserve Bank board that didn't cut interest rates at its next meeting on August 6.
BORROWING
Archbishop battles high-interest lenders
![Bishop of Durham Justin Welby](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2012/11/09/3781523/mtwelby2-20121109093641503146-90x60.jpg)
Anglican leader has a novel solution to scourge of quick loan firms that charge an annual interest rate of almost 6000%.
BUDGETING
Rise of the rental option
![Setting the table: Radio Rentals' James Marshall says furniture items are the most popular.](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/07/13/4568583/jv_rental_thumb-90x60.jpg)
Kate Jones Hiring household items is popular, but watch for hidden costs.
BORROWING
US households borrowed $20bn in May
![Credit card.](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2011/01/19/2141242/320credit-90x60.jpg)
Consumer borrowing in the US climbed in May by the most in a year as Americans put more purchases on their credit cards and took out more school and automobile loans.
CREDIT CARDS
Watch out when passing the buck
![Stack of credit cards](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/07/02/4537020/rh-kate-320_20130702105154708952-90x60.jpg)
Kate Jones Credit card holders are using an increasing number of additional credit cards to shift debt, a survey has found.
BORROWING
Debt pain for business hurts us all
![Mark Bouris](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2012/02/26/3075173/Mark_Bouris-90x60.jpg)
Mark Bouris The biggest financial news for most Australians in the past two years has been the falling cash rate and decreasing mortgage rates.
INSIGHT
Banks' rates become even more variable when pushed
![Banking on your house interest rates mortgages home loans property investment photo illustration.
ORIGINAL Picture by ROB HOMER - CAPTION BELOW.
AFR FIRST USE ONLY. AFR FIRST USE ONLY. AFR FIRST USE ONLY. CONTACT AFR PHOTO 16 NOV 2007. housing construction and buildings in SHELLHARBOUR AREA.generic housing , construction , building , builders , mortgage , interest rates , property , rent , real estate , Photo by ROB HOMER SPECIALX 74934houses, property, roads, 40, road safety](http://web.archive.org./web/20131014004912im_/http://images.theage.com.au/2013/06/25/4518538/rh-rates-320_20130625142830125318-90x60.jpg)
Clancy Yeates Shoppers love a good price war. Whether it's bargain airfares or cheap milk at the supermarket, sudden outbreaks of competition benefit all consumers.