![The regulator's actions to slow growth in lending to investors is seeing first timers coming into the market.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/i/i/u/n/7/image.related.wideLandscape.940x529.gzhplz.12uqus.png/1510717821046.jpg)
Money features
![The Reserve Bank considers that APRA's rule tightening has reduced the need for rate rises to slow down a buoyant ...](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/c/l/q/6/image.related.landscape.120x80.gzlz38.png/1510736467658.jpg)
Why interest rates will be lower for longer
Continuing low inflation and a softening property market will ensure that even with likely rate increases overseas, Australian rates will remain low for longer.
![ASX reaching 6000 points is a cause for reflection rather than celebration.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/t/8/v/f/2/image.related.landscape.120x80.gzit5e.png/1510532372328.jpg)
Don't expect the ASX to recover its all-time high soon
Our market's had to do a lot of huffing and puffing, but finally the elusive 6000 points was passed last week.
![If there's a partner eligible for a surviving spouse pension, the attractions of the lifetime defined-benefit pension ...](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/o/2/m/3/image.related.landscape.120x80.gzilpr.png/1510664832504.jpg)
Vested interests can push defined benefit members to take a lump sum
Given the generosity of most defined beneift pension funds, there are substantial benefits for employers when members cash out their entitlements.
![Gyms are notorious for making it hard to cancel membership.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/s/t/w/j/e/image.related.landscape.120x80.gzj6jg.png/1510664903436.jpg)
Banks are failing in their obligations to cancel direct debits
It seems everything is a subscription these days. If I scan through my bank statement, it's full of recurring payments.
![Jenny Rosalky in her sewing room filled with fabric and quilts, at her home in Stanmore, Sydney.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/i/k/o/2/image.related.landscape.120x80.gzhxe5.png/1510664927911.jpg)
Death of a hobbyist: treasure thrown out in post-death clean-up
Hobbyists and collectors often have well-founded fears their 'treasure' could end up in landfill or sent to Vinnies when they die.
![Among other things, DigitalX is facilitating overseas money transfers with a digital currencies remittance product ...](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/1/3/k/3/0/w/image.related.landscape.120x80.gzih6l.png/1510398115673.jpg)
Ellis increases her lead in the shares race with her DigitalX pick
Angie Ellis of 80 20 Investments has increased her lead in week two of the four-week Shares Race.
![Talking to friends about your true financial position can be beneficial.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/h/u/x/9/image.related.landscape.120x80.gzhu97.png/1510517639539.jpg)
We need to talk about money
How many people know the nitty gritty of your financial position?
![Comprehensive credit reporting will paint a better picture of a consumer's money behaviour.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/h/w/h/2/image.related.landscape.120x80.gzhvlm.png/1510323053205.jpg)
Comprehensive credit reporting will provide a better picture
New finance regulations could help you buy a property or refinance a mortgage.
![ING](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/r/v/7/v/s/image.related.landscape.120x80.gzhtpk.png/1510273020846.jpg)
ING to scrap international ATM fees
The fight over ATM fees is expanding overseas, with ING Austraila offering fee-free withdrawals from every ATM in the world to customers who conduct their main banking business with the digital bank.
![The portions are bigger in the US.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/h/s/x/2/image.related.landscape.120x80.gzhs07.png/1510407944051.jpg)
How personal finance is changing in the US
I've just seen Think and Grow Rich: The Legacy, which explains Napoleon Hill's success principles.
![Retiring from work doesn't mean retiring from life.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/g/1/l/f/image.related.landscape.120x80.gzhrfy.png/1510188517533.jpg)
Five tips to achieve early retirement
Your super is available from age 60. But what if you wanted to retire earlier?
![It will be a harder climb for the ASX from now on because of the slow growth of banks.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/9/0/3/l/image.related.landscape.120x80.gzgpb3.png/1510037248729.jpg)
The ASX hits 6000 but it gets tougher from here
We shouldn't be surprised that the All Ordinaries and ASX 200 indices hit 6000 points, but the sluggish performance of the banks will drag on future growth.
![Laura Higgins is ASIC's new senior executive leader for financial capability and a former teacher.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/e/6/t/n/image.related.landscape.120x80.gze79f.png/1510043898147.jpg)
What needs to be done to get our kids money smart
If parents want their kids to ever leave home, it's time to step up.
![Super funds sometimes make overpayments into account balances.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/h/a/v/1/t/image.related.landscape.120x80.gzeaj2.png/1510149730551.jpg)
If your super fund screws up, you could be forced to pay up years later
Keep an eye on your super so you don't get a nasty surprise down the road.
![The tax department of the Icelandic Customs agency, where most jobs are held by women and only a few by men.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/e/1/r/o/image.related.landscape.120x80.gzdjv2.png/1510062903119.jpg)
What Iceland can teach Australia on gender equality
Iceland became the world‘s most gender-equal country through drastic measures. Australia needs to get radical if it wants to end systemic pay inequality.
![Investor edge: what can you see that no one else can?](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/f/j/b/b/image.related.landscape.120x80.gzfj71.png/1509928887180.jpg)
How to exploit your own legal 'inside information'
In order to make any money in the sharemarket you need to focus on the unknown and stop wasting your time on the known.
![Profits for mining companies depend on future prices and production.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/y/m/k/i/k/image.related.landscape.120x80.gzfhsc.png/1510061247542.jpg)
Time to buy mining shares and dump insurance stocks? Not so fast
No investor ever made money (other than through sheer luck) looking only in the rear vision mirror.
![Anna Balzamo has raised money through a reverse mortgage on her home in Chipping Norton in Sydney.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/e/3/h/4/image.related.landscape.120x80.gzdiao.png/1510061373149.jpg)
How a reverse mortgage can ease the squeeze in later years
Anna Balzamo is coming out of one of the toughest periods of her life. At the end of last year she lost her husband to cancer. Then, his adult children contested the will and Anna's daughter's relationship ended.
![Rewards cards aligned with frequent flyer programs offer the best value.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/w/1/b/l/image.related.landscape.120x80.gzecn6.png/1510445248041.jpg)
Most of us shouldn't bother with rewards for credit cards
Rewards schemes for credit cards are only worth it if you pay off the full balance every month.
![Ellis and the Dartboard are doing well from DigitalX, (formerly Digital CC), which uses blockchain to allow the transfer ...](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/d/y/i/k/image.related.landscape.120x80.gze1sj.png/1509676964103.jpg)
Ellis starts strongly as her speculative play fires up
Angie Ellis of 80 20 Investments has stormed ahead in the new Shares Race.
![To showcase its support for marriage equality, Atlassian unveils a light installation in George Street, Sydney.](http://web.archive.org./web/20171116000156im_/https://www.fairfaxstatic.com.au/content/dam/images/g/z/6/o/5/r/image.related.landscape.120x80.gzdlty.png/1509721111360.jpg)
Being authentic at work helps you earn more
Being your true self, and allowing others to do the same, has many benefits.