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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.

Should You Still Invest in a 401(k) Without a Company Match? Photo of Kevin Mercadante Kevin Mercadante Should You Still Invest in a 401(k) Without a Company Match? The 401(k) plan may very well be the single best retirement option for the average... How to Set Up a Trust Account at a Bank Learn how you can open a trust account at a bank, including the important documents that you'll need for proof a trust. How to Choose Between a 401(k) or Pension Plan Learn what factors to consider when you have to choose between an employer-sponsored 401(k) plan or a traditional pension plan as your retirement option. What is Federal Thrift Savings Retirement Plan (TSP) & How it Works? Photo of Kevin Mercadante Kevin Mercadante What is Federal Thrift Savings Retirement Plan (TSP) & How it Works? Many Americans have access to employer-sponsored 401(k) plans. They allow you... How to Write a Check Properly to Avoid Rejected Payments Photo of Kevin Mercadante Kevin Mercadante How to Write a Check Properly to Avoid Rejected Payments Many payments today are being made electronically and it seems checks are... Cash-Equivalent Accounts: The Safest Types of Investments Learn about the cash-equivalent accounts that act as the safe, low-risk investments that provide consistent returns or generate stable income. Morgan Stanley Access Investing Review 2023: Option to Choose Thematic Portfolios Review the features and fees of the Morgan Stanley Access Investing robo-advisory service, which offers general and thematic investment portfolios. My Chase Loan & My Chase Plan: Should You Use These Financing Options? Photo of Kevin Mercadante Kevin Mercadante My Chase Loan & My Chase Plan: Should You Use These Financing Options? Chase plans to offer two new types of financing options to existing credit card... Western Union vs. MoneyGram: Which Is Cheaper for Wire Transfers? Photo of Kevin Mercadante Kevin Mercadante Western Union vs. MoneyGram: Which Is Cheaper for Wire Transfers? When you're sending money to family or friends via a wire transfer, you want to... Why Your Credit Scores Can Vary So Much at Equifax, Experian, TransUnion Learn why credit scores from TransUnion, Experian and Equifax credit bureaus can be so different — sometimes hundreds of points apart.