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.

What is a Sinking Fund? How to Use It as Part of Your Budget Learn about the concept of a sinking fund and how you can use it as part of your budget to avoid taking on debt for planned major expenses. Should You Invest in Brokered CDs? Photo of Kevin Mercadante Kevin Mercadante Should You Invest in Brokered CDs? In many respects, certificates of deposit (CDs) are great... How to Pay for Medical Care Without Health Insurance Photo of Kevin Mercadante Kevin Mercadante How to Pay for Medical Care Without Health Insurance Despite the fact that the Affordable Care Act (ACA) has been in place since 2010,... 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. How to Choose a Good Estate Planning Attorney: 4 Key Questions to Ask When you're looking for a good estate planning attorney, learn what you should look for and the questions to ask the right lawyer. 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? Photo of Kevin Mercadante Kevin Mercadante Chase Ink Business Credit Cards: Does the 5/24 Rule Apply? Chase, one of the largest banks and credit card issuers in the United States, has... How Much Does A Traffic Ticket Boost Your Car Insurance Rates? Find out how a traffic ticket on your record may affect car insurance rates when you renew or look for a new policy -- and ways to minimize that increase. How Marijuana Use Affects Your Life Insurance Policy Find out how the application and premiums for a life insurance policy might be affected if you're a marijuana user. MIB Insurance Report: What You Need to Know & How to Get Free Copy Photo of Kevin Mercadante Kevin Mercadante MIB Insurance Report: What You Need to Know & How to Get Free Copy If you’re thinking about buying life insurance, you likely have lots of...