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.

Dividend Reinvestment Plans (DRIPs): How Do They Work? Photo of Kevin Mercadante Kevin Mercadante Dividend Reinvestment Plans (DRIPs): How Do They Work? If you prefer to invest in individual stocks, and you have or want to have a... How a Divorce Can Affect Your IRA, 401(k), and Other Retirement Accounts Learn what happens to money in your IRAs, 401(k), and other retirement accounts in the event of a divorce, a potentially-devastating event for one's finances. Life Insurance Rules: How to Prove Insurable Interest Learn about the insurable interest rule that must apply when taking out a life insurance policy on someone else. Otherwise, it could constitute insurance fraud. Should You Take the Early Retirement Offer From Your Company? Photo of Kevin Mercadante Kevin Mercadante Should You Take the Early Retirement Offer From Your Company? In an effort to reduce costs, employers frequently turn to reductions in... Liability-Only vs. Full Coverage: What is the Difference in Auto Insurance? Photo of Kevin Mercadante Kevin Mercadante Liability-Only vs. Full Coverage: What is the Difference in Auto Insurance? Car insurance is typically sold as something of a package deal. Most states... How Do Car Insurance Deductibles Work? Find out how car insurance deductibles work when it comes to the claims process and payout. Additionally, see how they might affect your policy and premiums. What to Do if Your Car Insurance Policy Lapses Find out what steps you should take if your car insurance policy lapses and obtain coverage as soon you as can before driving again. New Hampshire Car Insurance: How to Get the Cheapest Rates Photo of Kevin Mercadante Kevin Mercadante New Hampshire Car Insurance: How to Get the Cheapest Rates The granite state has much to offer, including no sales tax (don’t visit around... How Does Car Insurance Differ when You're Leasing vs. Financing a Vehicle? Photo of Kevin Mercadante Kevin Mercadante How Does Car Insurance Differ when You're Leasing vs. Financing a Vehicle? Most consumers are familiar with what’s involved with car insurance when financing... Indiana Car Insurance: How to Get the Cheapest Rates See the average car insurance rates in Indiana and learn how you can qualify for lower premiums on your auto policy.