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.

Graduate School: Types of Student Loans to Consider Find out which types of student loans are available to prospective graduate students who need to finance tuition for postgraduate education and classes. How to Get U.S. Life Insurance as a Foreign National Photo of Kevin Mercadante Kevin Mercadante How to Get U.S. Life Insurance as a Foreign National A foreign national is a person who is a U.S. citizen who lives outside the U.S.... Car Insurance for 19-Year-Olds: Average Rates for Coverage Photo of Kevin Mercadante Kevin Mercadante Car Insurance for 19-Year-Olds: Average Rates for Coverage Once you reach 19, you’ve been driving for a few years, and you should reasonably... How to Get Car Insurance for a Used Car Learn about the process of getting a car insurance policy when you're buying a used car, including what to look for when choosing the right coverage. New York Car Insurance: How to Shop for the Lowest Rates Learn how to shop for the lowest car insurance rates for New York drivers -- with comparisons to the average premiums based on coverage level, city, and more. 401(k) vs. 403(b) vs. 457 Plans: Compare Employer-Sponsored Retirement Plans Photo of Kevin Mercadante Kevin Mercadante 401(k) vs. 403(b) vs. 457 Plans: Compare Employer-Sponsored Retirement Plans 401(k) vs. 403(b) vs. 457 – the plan titles are used almost interchangeably when... How and Why to Convert Term Life to Permanent Life Insurance Photo of Kevin Mercadante Kevin Mercadante How and Why to Convert Term Life to Permanent Life Insurance Partial Conversion Under many conversion options, you’ll have the ability... Life Insurance Health Ratings: How They Affect Your Policy Premiums Learn about the different life insurance health ratings that have an impact on your ability to qualify for coverage and the premiums that you end up paying. What is a Life Insurance Waiting Period? Find out how the life insurance waiting period affects the benefits paid out if you die soon after your life insurance policy begins. Rideshare Insurance: Do Uber and Lyft Drivers Need It? Photo of Kevin Mercadante Kevin Mercadante Rideshare Insurance: Do Uber and Lyft Drivers Need It? If you’re a rideshare driver, it’s a common misconception that your personal car...