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 Deal with a Pay Cut or Reduced Work Hours Learn how to handle a pay cut or reduced work hours, including partial unemployment and other options to increase cash flow while you seek more income. Unemployment Benefits Fraud: What to Do If You Become a Victim Photo of Kevin Mercadante Kevin Mercadante Unemployment Benefits Fraud: What to Do If You Become a Victim With many millions of Americans becoming unemployed as a result of the coronavirus... Should You Use a Credit Repair Company? Photo of Kevin Mercadante Kevin Mercadante Should You Use a Credit Repair Company? Your credit may not be in the best shape -- millions of Americans have damaged or... Individual Bonds vs. Bond Funds: What's The Difference? Learn about the differences between individual bonds and bond mutual funds. Compare how each of them work to see which investment option is better for your portfolio and risk tolerance. Find out how to invest in each of them and where they fit in your approach to investing. How to Buy Amazon Stock: Invest in Shares of the E-Commerce Giant Learn how you can buy shares of Amazon stock as an investment -- if you think the e-commerce giant has room to grow and generate a return for you. The Most Common Car Insurance Discounts (and How to Get Them) Photo of Kevin Mercadante Kevin Mercadante The Most Common Car Insurance Discounts (and How to Get Them) One of the biggest factors affecting car insurance premiums are discounts. Even... Business Credit Card vs. Corporate Credit Card: What are the Differences? Photo of Kevin Mercadante Kevin Mercadante Business Credit Card vs. Corporate Credit Card: What are the Differences? Business credit cards versus corporate credit cards – they sound much like the... Can You Use a Personal Loan for a Down Payment on a Home? Find out if you can use a personal loan for a down payment toward a home purchase and how it may affect your chances of qualifying for a mortgage loan. 4 Reasons Why You're Missing a Credit Card Sign-Up Bonus Learn about the most common reasons that you're missing a credit card sign-up bonus that you're expecting after meeting the requirements by the deadline. How Do Taxes Change After Marriage? Photo of Kevin Mercadante Kevin Mercadante How Do Taxes Change After Marriage? Going to get married or about to get married? You may be concerned about how...