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.

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... Deposit Insurance Fund (DIF): Protecting Deposits in Massachusetts Learn how the Deposit Insurance Fund (DIF) works in conjunction with deposit insurance from the FDIC to protect depositors at certain Massachusetts banks. 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. Should You Invest in Brokered CDs? Photo of Kevin Mercadante Kevin Mercadante Should You Invest in Brokered CDs? In many respects, certificates of deposit (CDs) are great... How to Pay for Medical Care Without Health Insurance Photo of Kevin Mercadante Kevin Mercadante How to Pay for Medical Care Without Health Insurance Despite the fact that the Affordable Care Act (ACA) has been in place since 2010,... How to Choose a Good Estate Planning Attorney: 4 Key Questions to Ask When you're looking for a good estate planning attorney, learn what you should look for and the questions to ask the right lawyer. Investing in CDs: The Pros and Cons to Consider Compare the pros and cons for investing your savings in certificates of deposit (CDs) to find out if you comfortable locking in your money for a long time. Chase Ink Business Credit Cards: Does the 5/24 Rule Apply? Photo of Kevin Mercadante Kevin Mercadante Chase Ink Business Credit Cards: Does the 5/24 Rule Apply? Chase, one of the largest banks and credit card issuers in the United States, has... How Much Does A Traffic Ticket Boost Your Car Insurance Rates? Photo of Kevin Mercadante Kevin Mercadante How Much Does A Traffic Ticket Boost Your Car Insurance Rates? One of the most important determinations of how much any given motorist will pay... How Marijuana Use Affects Your Life Insurance Policy Find out how the application and premiums for a life insurance policy might be affected if you're a marijuana user.