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 Much Car Insurance Do You Need? Learn to determine how much car insurance coverage is needed for your policy depending on factors such as the vehicle, net worth, state requirements and more. WiseBanyan 2024 Review: Should You Use This Free Financial Advisor? Photo of Kevin Mercadante Kevin Mercadante WiseBanyan 2024 Review: Should You Use This Free Financial Advisor? When it comes to financial advisors, you may have the perception that they are... How to Invest Money That You'll Need in a Year Photo of Kevin Mercadante Kevin Mercadante How to Invest Money That You'll Need in a Year One of the primary factors determining investing strategy is your investment time... 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 Learn about the different ways that you can make your savings and investments earn high enough returns to beat rising inflation rates. 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 Photo of Kevin Mercadante Kevin Mercadante How to Set Up a Trust Account at a Bank As you or your family members take the steps to protect assets, a trust is usually... 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? Find out how the Thrift Savings Plan (TSP) works to help federal and government employees save for retirement without access to a 401(k). How to Write a Check Properly to Avoid Rejected Payments Photo of Kevin Mercadante Kevin Mercadante How to Write a Check Properly to Avoid Rejected Payments Many payments today are being made electronically and it seems checks are...