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.

Can You Use a Personal Loan for a Down Payment on a Home? Photo of Kevin Mercadante Kevin Mercadante Can You Use a Personal Loan for a Down Payment on a Home? Personal loans have become popular in recent years, particularly with the advent... 4 Reasons Why You're Missing a Credit Card Sign-Up Bonus Learn about the most common reasons that you're missing a credit card sign-up bonus that you're expecting after meeting the requirements by the deadline. How Do Taxes Change After Marriage? Find out how your taxes change after marriage, including deductions, exemptions, retirement contributions, and gift taxes, especially when filing taxes jointly. 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 Photo of Kevin Mercadante Kevin Mercadante How to Get a 401(k) Hardship Withdrawal for Specific Financial Needs Most employees who participate in a 401(k) plan are well aware of 401(k) loans, at... How to Compare and Choose the Best Small Business Loans Find out where to find the best small business loans and learn about the factors to consider when comparing business loan options. Nevada Car Insurance: Guide to Getting Coverage at the Lowest Rates Find out how much it will cost, on average, to get car insurance in Nevada, including the different coverage levels and state laws to consider in your research. No-Fault Insurance: What It Means for Auto Coverage in Your State Photo of Kevin Mercadante Kevin Mercadante No-Fault Insurance: What It Means for Auto Coverage in Your State No-fault insurance was put in place to cut the cost of car insurance by... Michigan Car Insurance: Guide to Getting Coverage at the Lowest Rates Photo of Kevin Mercadante Kevin Mercadante Michigan Car Insurance: Guide to Getting Coverage at the Lowest Rates Michigan vies with Louisiana as the state with the highest car insurance premiums... Hawaii Car Insurance: How to Get the Cheapest Rates Find out how you can qualify for the lowest premiums on car insurance in Hawaii and compare the average rates based on county and coverage levels.