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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.

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 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 Find out what happens when the Federal Reserve decides to lower interest rates, especially when it comes to your savings, loans, and credit lines. 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 Photo of Kevin Mercadante Kevin Mercadante What is a Sinking Fund? How to Use It as Part of Your Budget Just about everyone is familiar with the key concept of a budget. Also, most... Should You Invest in Brokered CDs? Learn the difference between brokered CDs and the typical bank CDs to see if they are worth considering as part of your savings and/or retirement portfolio. How to Pay for Medical Care Without Health Insurance Learn what you can do to pay for medical care and treatment when you don't have health insurance, including various tips to get funding or reduce costs. How to Choose a Good Estate Planning Attorney: 4 Key Questions to Ask Photo of Kevin Mercadante Kevin Mercadante How to Choose a Good Estate Planning Attorney: 4 Key Questions to Ask There are literally millions of millionaires in the U.S. And while estate... Investing in CDs: The Pros and Cons to Consider Photo of Kevin Mercadante Kevin Mercadante Investing in CDs: The Pros and Cons to Consider When you're looking for a safe way to grow your cash savings, a certificate of... Chase Ink Business Credit Cards: Does the 5/24 Rule Apply? Learn about Chase's 5/24 rules for new credit card applications and how those rules may pertain to Chase Ink Business credit cards.