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.

Minnesota Car Insurance: How to Shop for the Cheapest Rates Find out how to shop for the cheapest car insurance rates in Minnesota and learn how to build a policy with adequate coverage for your needs. Pending Balance vs. Available Balance: Which Amount is Most Accurate? Photo of Kevin Mercadante Kevin Mercadante Pending Balance vs. Available Balance: Which Amount is Most Accurate? You may have noticed that your bank account reflects two balances. The first is... How to Buy Life Insurance: A Step-by-Step Guide Photo of Kevin Mercadante Kevin Mercadante How to Buy Life Insurance: A Step-by-Step Guide With Americans more and more cautious about their health these days, mortality is... Collision vs. Comprehensive: Optional Car Insurance Coverages Learn the differences between collision and comprehensive coverage when it comes to car insurance and when the optional riders make sense for you. 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. 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 Photo of Kevin Mercadante Kevin Mercadante The Differences Between Health Savings Accounts vs. Flexible Spending Accounts In a world where out-of-pocket healthcare costs are rising, and the deductibility... 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? Find out whether it is still a smart financial move for your retirement savings to contribute to a 401(k) plan when your employer doesn't provide a match. 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...