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.

Citi Flex Loan 2025 Review Photo of Kevin Mercadante Kevin Mercadante Citi Flex Loan 2025 Review As an existing Citi credit card customer, you may have received mail or notices... Best Prepaid Debit Cards for Teenagers in 2024 Compare the best prepaid debit cards for teenagers based on fees, convenience, and parental tools for managing spending and card limits. Savings Accounts vs. Bond Funds & ETFs: Which is Better? Compare savings accounts and bond mutual funds and ETFs (exchange-traded funds) to see which investment will yield higher returns on your money. TransferWise vs. WorldRemit: Best for Money Transfers? Photo of Kevin Mercadante Kevin Mercadante TransferWise vs. WorldRemit: Best for Money Transfers? TransferWise iPhone App As both the world and the economy increasingly go global,... 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? When you're about to buy a new or used car, find out whether you should still take out an auto loan when you're able to pay for it entirely in cash. 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? Photo of Kevin Mercadante Kevin Mercadante Do You Have to Report PayPal Income to IRS on Tax Return? The fact is: Yes, you have to report any income received (on your tax returns... 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... 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.