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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.

Savings Accounts vs. Bond Funds & ETFs: Which is Better? Photo of Kevin Mercadante Kevin Mercadante Savings Accounts vs. Bond Funds & ETFs: Which is Better? Everyone needs to have a corner of their savings or investment portfolio that is... 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? Find out whether it is a good idea to pay off an old debt held by a collections agency because there are situations when you are no longer legally responsible. 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? Photo of Kevin Mercadante Kevin Mercadante Title Loans: How Do They Work? Should You Use Them? You’ve probably seen title loans advertised on TV, as well as title loan... 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. Credit Card Piggybacking: How It Works to Help Build Credit Find out how credit card piggybacking can help someone build good credit when they can't qualify for their own credit card. Falling Interest Rates: How It Could Affect You and What You Can Do About It Photo of Kevin Mercadante Kevin Mercadante Falling Interest Rates: How It Could Affect You and What You Can Do About It For the past two years, the Fed kepts rates high to keep the economy going coming... Deposit Insurance Fund (DIF): Protecting Deposits in Massachusetts Photo of Kevin Mercadante Kevin Mercadante Deposit Insurance Fund (DIF): Protecting Deposits in Massachusetts In America, bank deposits up to $250,000 per depositor are covered against bank... What is a Sinking Fund? How to Use It as Part of Your Budget Learn about the concept of a sinking fund and how you can use it as part of your budget to avoid taking on debt for planned major expenses.