You may have seen credit card offers in the mail or advertised on TV that seem too good to be true: zero percent interest, free balance transfers, no annual fee… While these offers are real, there’s definitely a catch in … Continue Reading

Pen Fed’s 15/15 ARM is a unique product. Although technically an adjustable rate mortgage, it adjusts only once during the life of the loan, and at the year 15 mark. With rates lower than a 30 year fixed, it is … Continue Reading

If you have a checking account, you probably also have a savings account, which can be a convenient place to stash some money off to the side so it’s not all sitting in your main transaction account. A savings account … Continue Reading

One of the basic building blocks of sustainable finances is the emergency fund. Your emergency fund can provide you with a backstop in the event of financial difficulty. With an emergency fund to draw on, you can take care of … Continue Reading

There are times when you need to borrow a relatively small amount of money, and pay it off over the course of a few months, but you don’t want to pay the high rate that is likely on your credit … Continue Reading

There are lots of ways to make extra money, but one you may not have thought of is through credit card offers. Credit cards are generally considered money-suckers, because people often end up paying more than they need to due … Continue Reading

When my husband and I were house hunting several years ago, we were shocked at what some lenders were willing to “give” us in terms of a mortgage. This was before the housing market crash and financial crisis, in the … Continue Reading