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.

Whole Life vs. Term Life Insurance: Which is the Right Policy Coverage for You? Photo of Kevin Mercadante Kevin Mercadante Whole Life vs. Term Life Insurance: Which is the Right Policy Coverage for You? While it’s common to think of life insurance as a single product, it actually... Variable Life Insurance: Is It the Right Type of Life Insurance for You? Learn how variable life insurance works for people who want the cash value of their policy to encompass investment returns. Universal Life Insurance: Pros vs. Cons to Consider Learn the pros and cons of universal life insurance to find out if the investment aspect of this type of life insurance is appropriate coverage for you. How to Reduce Your Liability After Your Rental Car Accident? Photo of Kevin Mercadante Kevin Mercadante How to Reduce Your Liability After Your Rental Car Accident? The time to contemplate the ramifications of getting into an accident with a car... The Best Ways to Insure Expensive Jewelry and Valuable Items Photo of Kevin Mercadante Kevin Mercadante The Best Ways to Insure Expensive Jewelry and Valuable Items Find out about the different ways that you can insure expensive jewelry and other valuable items just in case they are lost, stolen or damaged. Roth IRA Conversion Ladder: Get More Tax-Free Income in Retirement Learn how to create a Roth IRA conversion ladder to consolidate funds in other retirement accounts for the purpose of an early retirement. Are You Too Old to Open and Contribute to a Roth IRA? Find out if you're too old to open a Roth IRA for retirement savings contributions, including the age rules and income limits that may apply. Diminished Value Claim: How to File for Money Back Photo of Kevin Mercadante Kevin Mercadante Diminished Value Claim: How to File for Money Back A diminished value claim might take the prize for being the least understood... SIPC Insurance: What Assets are Protected? Photo of Kevin Mercadante Kevin Mercadante SIPC Insurance: What Assets are Protected? You may or may not be aware of SIPC, even if you are an investor. But if you’re... Preferred Stocks: Should You Invest in Them? Learn how preferred stocks work, especially when it comes to dividends and stock price changes, and compare them to common stock and bonds.