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After seeing positive posts in the past about PenFed's rates, I had kept an eye on their web site. I have a balloon mortgage now that matures in June, so I decided to apply for PenFed's every-5-year adjustable back in Jan, when the rate was 5.25%. Well, tomorrow is the end of my 90 day rate...

I have been reading recently about PPNs, and I was wondering if folks here have used these in their retirement portfolios. PPNs are sort of an individual bond that effectively pays a rate based on an index (or combination of indexes) growth over a fixed period. The index can be US or foreign...