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.

Vanguard Personal Advisor Services 2024 Review Learn all about the Vanguard Personal Advisor Service, a robo-advisor service that helps manage an investor's portfolio automatically. Credit Card Piggybacking: How It Works to Help Build Credit Photo of Kevin Mercadante Kevin Mercadante Credit Card Piggybacking: How It Works to Help Build Credit Credit card piggybacking may sound like something immoral, and possibly even... What to Do If Your Balance Transfer is Denied Photo of Kevin Mercadante Kevin Mercadante What to Do If Your Balance Transfer is Denied A 0% introductory APR on balance transfers – typically running from 12 to 21... Falling Interest Rates: How It Could Affect You and What You Can Do About It Find out what happens when the Federal Reserve decides to lower interest rates, especially when it comes to your savings, loans, and credit lines. The Dangers of Keeping Too Much Cash at Home Before you keep a large stash of cash at home, consider the drawbacks of leaving this money under the mattress vs. in a high yield savings account at a bank. Deposit Insurance Fund (DIF): Protecting Deposits in Massachusetts Photo of Kevin Mercadante Kevin Mercadante Deposit Insurance Fund (DIF): Protecting Deposits in Massachusetts In America, bank deposits up to $250,000 per depositor are covered against bank... What is a Sinking Fund? How to Use It as Part of Your Budget Photo of Kevin Mercadante Kevin Mercadante What is a Sinking Fund? How to Use It as Part of Your Budget Just about everyone is familiar with the key concept of a budget. Also, most... Should You Invest in Brokered CDs? Learn the difference between brokered CDs and the typical bank CDs to see if they are worth considering as part of your savings and/or retirement portfolio. How to Pay for Medical Care Without Health Insurance Learn what you can do to pay for medical care and treatment when you don't have health insurance, including various tips to get funding or reduce costs. How to Choose a Good Estate Planning Attorney: 4 Key Questions to Ask Photo of Kevin Mercadante Kevin Mercadante How to Choose a Good Estate Planning Attorney: 4 Key Questions to Ask There are literally millions of millionaires in the U.S. And while estate...