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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.

Unemployment Benefits Fraud: What to Do If You Become a Victim Photo of Kevin Mercadante Kevin Mercadante Unemployment Benefits Fraud: What to Do If You Become a Victim With many millions of Americans becoming unemployed as a result of the coronavirus... Should You Use a Credit Repair Company? Find out whether it is worth the cost to use a credit repair company to fix your credit score or to reduce/remove debt through negotiations with creditors. Individual Bonds vs. Bond Funds: What's The Difference? Learn about the differences between individual bonds and bond mutual funds. Compare how each of them work to see which investment option is better for your portfolio and risk tolerance. Find out how to invest in each of them and where they fit in your approach to investing. How to Buy Amazon Stock: Invest in Shares of the E-Commerce Giant Photo of Kevin Mercadante Kevin Mercadante How to Buy Amazon Stock: Invest in Shares of the E-Commerce Giant Amazon is one of the largest retailers in the United States -- a go-to online... The Most Common Car Insurance Discounts (and How to Get Them) Photo of Kevin Mercadante Kevin Mercadante The Most Common Car Insurance Discounts (and How to Get Them) One of the biggest factors affecting car insurance premiums are discounts. Even... Business Credit Card vs. Corporate Credit Card: What are the Differences? Learn the difference between a business credit card and a corporate credit card. Compare the pros and cons to help you decide the right card for your business. Can You Use a Personal Loan for a Down Payment on a Home? Find out if you can use a personal loan for a down payment toward a home purchase and how it may affect your chances of qualifying for a mortgage loan. How Do Taxes Change After Marriage? Photo of Kevin Mercadante Kevin Mercadante How Do Taxes Change After Marriage? Going to get married or about to get married? You may be concerned about how... Are Business Credit Card Interest Charges and Fees Tax-Deductible? Photo of Kevin Mercadante Kevin Mercadante Are Business Credit Card Interest Charges and Fees Tax-Deductible? The short answer: Yes. But as is the case with just about everything... How to Get a 401(k) Hardship Withdrawal for Specific Financial Needs Find out whether you qualify for taking out a 401(k) hardship withdrawal, which will let you access retirement funds for dire financial needs.