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.

Are You Too Old to Open and Contribute to a Roth IRA? Find out if you're too old to open a Roth IRA for retirement savings contributions, including the age rules and income limits that may apply. Diminished Value Claim: How to File for Money Back Photo of Kevin Mercadante Kevin Mercadante Diminished Value Claim: How to File for Money Back A diminished value claim might take the prize for being the least understood... SIPC Insurance: What Assets are Protected? Photo of Kevin Mercadante Kevin Mercadante SIPC Insurance: What Assets are Protected? You may or may not be aware of SIPC, even if you are an investor. But if you’re... Preferred Stocks: Should You Invest in Them? Learn how preferred stocks work, especially when it comes to dividends and stock price changes, and compare them to common stock and bonds. Dividend Reinvestment Plans (DRIPs): How Do They Work? Learn how dividend reinvestment plans (DRIPs) work to help you put money back into a market position automatically to continue building your stakes. How a Divorce Can Affect Your IRA, 401(k), and Other Retirement Accounts Photo of Kevin Mercadante Kevin Mercadante How a Divorce Can Affect Your IRA, 401(k), and Other Retirement Accounts A divorce is one of the most disruptive events that can visit a person’s... Life Insurance Rules: How to Prove Insurable Interest Photo of Kevin Mercadante Kevin Mercadante Life Insurance Rules: How to Prove Insurable Interest Not only can you purchase a life insurance policy for yourself, but you can also... Should You Take the Early Retirement Offer From Your Company? Find out whether you should accept the early retirement offer from your company based on the compensation package and benefits provided upon your leave. Liability-Only vs. Full Coverage: What is the Difference in Auto Insurance? Learn the differences between liability-only and full coverage policies when it comes to car insurance and which one you should consider based on your needs. How Do Car Insurance Deductibles Work? Photo of Kevin Mercadante Kevin Mercadante How Do Car Insurance Deductibles Work? Deductibles are the amount of money you’ll pay out-of-pocket when you file a claim...