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 Premiums Increase After an Accident? Find out how much car insurance premiums can go up after you're involved in an accident -- including what you can do to minimize the rate increase. Car Insurance for 17-Year-Olds: How Much Will It Cost? Photo of Kevin Mercadante Kevin Mercadante Car Insurance for 17-Year-Olds: How Much Will It Cost? Teenagers are eligible to drive in most states by the age of 17. But, car... Car Insurance for 16-Year-Olds: How Much Does It Cost? Photo of Kevin Mercadante Kevin Mercadante Car Insurance for 16-Year-Olds: How Much Does It Cost? In most states, 16 is the earliest age to get a driver’s license. But, car... Boat Insurance: What Coverage is Needed to Insure Your Boat Find out what type of insurance coverage is needed to insure your boat against various hazards that could result in costly damage and liability. Whole Life vs. Term Life Insurance: Which is the Right Policy Coverage for You? Compare whole life insurance and term life insurance to help you decide which is the right policy coverage for you, your family and beneficiaries. Variable Life Insurance: Is It the Right Type of Life Insurance for You? Photo of Kevin Mercadante Kevin Mercadante Variable Life Insurance: Is It the Right Type of Life Insurance for You? It used to be that there were two types of life insurance – whole life and... Universal Life Insurance: Pros vs. Cons to Consider Photo of Kevin Mercadante Kevin Mercadante Universal Life Insurance: Pros vs. Cons to Consider The two most basic types of life insurance policies are term and whole... How to Reduce Your Liability After Your Rental Car Accident? Learn about the different options that are available if you get into an accident with a car rental, including personal insurance and collision damage waivers. The Best Ways to Insure Expensive Jewelry and Valuable Items Find out about the different ways that you can insure expensive jewelry and other valuable items just in case they are lost, stolen or damaged. Roth IRA Conversion Ladder: Get More Tax-Free Income in Retirement Photo of Kevin Mercadante Kevin Mercadante Roth IRA Conversion Ladder: Get More Tax-Free Income in Retirement The biggest benefit to a Roth IRA is that distributions from the plan can be taken...