Article: Curse of low rates. (Investments & Finance).(low interest rates have both good and bad points)(Column)

IN a world where somebody complains about everything, low interest rates enjoy a rare exemption.

Interest rates are low all right -- as low, in many cases, as the current generation of borrowers, lenders, savers and spenders has ever seen. Rates have been low for a couple of years, since a barrage of 11 cuts by the Federal Reserve in 2001.

That's long enough for a thorough look at them from all sides. Yet we seldom see the situation portrayed in public forums as anything but a good thing. Renegotiate your mortgage! Buy a car! Float a municipal bond issue! Imagine how bad our struggling economy might have gotten if money weren't so cheap.

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