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.

How a Divorce Can Affect Your IRA, 401(k), and Other Retirement Accounts Learn what happens to money in your IRAs, 401(k), and other retirement accounts in the event of a divorce, a potentially-devastating event for one's finances. Life Insurance Rules: How to Prove Insurable Interest Photo of Kevin Mercadante Kevin Mercadante Life Insurance Rules: How to Prove Insurable Interest Not only can you purchase a life insurance policy for yourself, but you can also... Should You Take the Early Retirement Offer From Your Company? Photo of Kevin Mercadante Kevin Mercadante Should You Take the Early Retirement Offer From Your Company? In an effort to reduce costs, employers frequently turn to reductions in... Liability-Only vs. Full Coverage: What is the Difference in Auto Insurance? Learn the differences between liability-only and full coverage policies when it comes to car insurance and which one you should consider based on your needs. How Do Car Insurance Deductibles Work? Find out how car insurance deductibles work when it comes to the claims process and payout. Additionally, see how they might affect your policy and premiums. What to Do if Your Car Insurance Policy Lapses Photo of Kevin Mercadante Kevin Mercadante What to Do if Your Car Insurance Policy Lapses If you miss paying a utility bill, you’ll be hit with a penalty charge and a... New Hampshire Car Insurance: How to Get the Cheapest Rates Photo of Kevin Mercadante Kevin Mercadante New Hampshire Car Insurance: How to Get the Cheapest Rates The granite state has much to offer, including no sales tax (don’t visit around... How Does Car Insurance Differ when You're Leasing vs. Financing a Vehicle? Find out whether car insurance coverage requirements may differ when you're choosing between leasing or financing a vehicle. Indiana Car Insurance: How to Get the Cheapest Rates See the average car insurance rates in Indiana and learn how you can qualify for lower premiums on your auto policy. Moped and Scooter Insurance: Guide to Getting Proper Coverage Photo of Kevin Mercadante Kevin Mercadante Moped and Scooter Insurance: Guide to Getting Proper Coverage Just as in the case with car insurance, you’ll also need coverage for insuring...