Articles by Kevin Mercadante

Kevin Mercadante is a former mortgage loan officer and blogger behind Out of Your Rut. He is an expert in mortgages, career strategies and retirement planning. Education: B.S. in Accounting and Finance from Montclair State University.

TransferWise vs. WorldRemit: Best for Money Transfers? Compare TransferWise and WorldRemit for international money transfers based on their fees, currency exchange rates, and countries served. Should You Pay Off an Old Debt with a Collections Agency? Photo of Kevin Mercadante Kevin Mercadante Should You Pay Off an Old Debt with a Collections Agency? Millions of people have collections on their credit reports. They can often... Should You Still Finance a Car If You Can Pay in Full with Cash? Photo of Kevin Mercadante Kevin Mercadante Should You Still Finance a Car If You Can Pay in Full with Cash? You've got enough cash to pay for a car. But, there's that question in the back of... Title Loans: How Do They Work? Should You Use Them? Learn how title loans work and find out whether you should use your car as collateral for this type of loan when other loans options are available. Do You Have to Report PayPal Income to IRS on Tax Return? Find out whether you have to report the income that you received via PayPal -- to the IRS on your tax return, including the relevant tax rules and forms. Vanguard Personal Advisor Services 2024 Review Photo of Kevin Mercadante Kevin Mercadante Vanguard Personal Advisor Services 2024 Review Paid non-client promotion: MyBankTracker receives compensation when a reader clicks... Credit Card Piggybacking: How It Works to Help Build Credit Photo of Kevin Mercadante Kevin Mercadante Credit Card Piggybacking: How It Works to Help Build Credit Credit card piggybacking may sound like something immoral, and possibly even... What to Do If Your Balance Transfer is Denied Learn what steps you should take after you find out that a balance transfer request was denied, whether from a new or existing card issuer. Falling Interest Rates: How It Could Affect You and What You Can Do About It Find out what happens when the Federal Reserve decides to lower interest rates, especially when it comes to your savings, loans, and credit lines. The Dangers of Keeping Too Much Cash at Home Photo of Kevin Mercadante Kevin Mercadante The Dangers of Keeping Too Much Cash at Home Millions of people keep cash home rather than a savings account. For most, it’s a...