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 Build Diversified Portfolios With Low-Cost Vanguard Funds Find out how you can construct diversified investment portfolios made of Vanguard funds that cater to various levels of risk tolerances of the investor. Should You Hoard Credit Card Rewards or Redeem Them as Soon as Possible? Photo of Kevin Mercadante Kevin Mercadante Should You Hoard Credit Card Rewards or Redeem Them as Soon as Possible? The age-old question regarding credit card rewards is whether to hoard them or... The Complete Guide to Using Your Card's Global Entry & TSA PreCheck Credit Photo of Kevin Mercadante Kevin Mercadante The Complete Guide to Using Your Card's Global Entry & TSA PreCheck Credit If you’ve ever been seriously delayed at customs when entering the United States... IRS Ruling Allows 401(k) Match When Paying Off Student Loan Debt The IRS introduced a rule regarding how employers can issue 401(k) plan contribution matches when an employee makes payments toward student loan debt. Equifax Data Breach Settlement: How to Claim Up to $20,000 for Damage to Your Credit Learn how to file a claim for damages to your credit from the Equifax data breach settlement - credit monitoring services and repairs after identity theft.