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 to Buy Life Insurance: A Step-by-Step Guide Follow this step-by-step guide to buying your first life insurance policy so that you ensure that loved ones are financially secure with the right coverage. Collision vs. Comprehensive: Optional Car Insurance Coverages Photo of Kevin Mercadante Kevin Mercadante Collision vs. Comprehensive: Optional Car Insurance Coverages Though it’s typical for car owners to think of car insurance as a single cohesive... How Much Car Insurance Do You Need? Photo of Kevin Mercadante Kevin Mercadante How Much Car Insurance Do You Need? This is a serious question, in no small part, because several factors determine... How to Invest Money That You'll Need in a Year Learn about the different investments that you can consider if you think that you will need the money within the next year - accounting for risk and returns. The Differences Between Health Savings Accounts vs. Flexible Spending Accounts Learn about the differences between health savings accounts and flexible spending accounts to compare which one offers more tax savings on healthcare expenses. The Best Savings Options to Beat Inflation Photo of Kevin Mercadante Kevin Mercadante The Best Savings Options to Beat Inflation If you’re saving and investing money, one constant challenge is... Should You Still Invest in a 401(k) Without a Company Match? Photo of Kevin Mercadante Kevin Mercadante Should You Still Invest in a 401(k) Without a Company Match? The 401(k) plan may very well be the single best retirement option for the average... How to Set Up a Trust Account at a Bank Learn how you can open a trust account at a bank, including the important documents that you'll need for proof a trust. How to Choose Between a 401(k) or Pension Plan Learn what factors to consider when you have to choose between an employer-sponsored 401(k) plan or a traditional pension plan as your retirement option. What is Federal Thrift Savings Retirement Plan (TSP) & How it Works? Photo of Kevin Mercadante Kevin Mercadante What is Federal Thrift Savings Retirement Plan (TSP) & How it Works? Many Americans have access to employer-sponsored 401(k) plans. They allow you...