Kevin Mercadante

Since 2009, Kevin Mercadante has been sharing his journey from a washed-up mortgage loan officer emerging from the Financial Meltdown as a contract/self-employed “slash worker” – accountant/blogger/freelance blog writer – on OutofYourRut.com. He offers career strategies, from dealing with under-employment to transitioning into self-employment, and provides “Alt-retirement strategies” for the vast majority who won’t retire to the beach as millionaires.

He also frequently discusses the big-picture trends that are putting the squeeze on the bottom 90%, offering workarounds and expense cutting tips to help readers carve out more money to save in their budgets – a.k.a., breaking the “savings barrier” and transitioning from debtor to saver.

Kevin has a B.S. in Accounting and Finance from Montclair State University.

Recent Articles by Kevin

Paper Trading – Learn to Trade Before Committing YOUR Money

Before you begin actively trading investments, start by using a paper trading account. It’ll give you an opportunity to test your current knowledge, gain experience, and learn how specific trading platforms work. All of that will make you better prepared to begin trading with real money, and minimize the risk when you do.

Worthy Bonds Review – Moving Interest on Your Savings into High Gear

Worthy Bonds offers a unique combination of high interest, no fees, and complete liquidity that’s nearly impossible to find in any other type of investment in the current low-interest environment we’re in. You can significantly increase your overall interest rate return by holding just a small portion of your savings in Worthy Bond

Cadre Real Estate Investing Review – Commercial Real Estate Investing with Liquidity

If you qualify as an accredited investor, and you’re looking to diversify away from a portfolio comprised entirely of stocks and bonds, commercial real estate can help you accomplish that goal. Cadre Real Estate Investing will give you an opportunity to either invest in individual property deals or through their Direct Access Fund. If you prefer a managed portfolio option.

Capitalize Review: Finally – Help Moving Your Old 401(k)

Moving an old retirement account to an IRA isn’t the most pleasant of tasks, particularly if the old plan is really old. It may be difficult to track down and have quirky procedures that are not meant for the average human being to understand. Capitalize can help you navigate that process with a minimum of effort on your part.

How to Buy Cardano (ADA)

With its low current valuation, Cardano - trading symbol ADA - is rapidly emerging as one of the most popular cryptocurrencies. It’s sometimes referred to as the “Ethereum of Japan”, but it’s become popular worldwide. However, not all crypto trading platforms accommodate Cardano. But here is a list of companies where you can buy and sell Cardano.

Benzinga Pro Review: Real-Time Stock Trading News

Benzinga Pro is a real-time investment news service designed specifically for active traders. But it goes beyond investment news alone. The platform provides various tools to enable you to track and analyze stocks, including getting detailed information about current and upcoming events as soon as they’re announced.

Vanguard vs. Fidelity: Which is Best for You?

Vanguard and Fidelity are two of the largest investment companies in the world. Both originated as fund companies, Vanguard with its revolutionary index-based funds, and Fidelity with its often world-famous mutual funds. Each now offers both types of funds, as well as diversified investment brokerage services.

Best Cash Advance Apps – Low Cost Payday Loan Alternatives

Cash advance apps have sprung up in recent years to provide short-term funding for consumers who need an advance on their next paycheck. They provide both greater flexibility and lower cost than payday loans. Some are even free or charge a low dollar monthly subscription service.

Unifimoney Review 2021: Banking, Investing, and Loans

Unifimoney will provide a high-yield checking account, as well as the ability to invest in stocks, exchange-traded funds, precious metals, and cryptocurrencies. You’ll even be able to take advantage of financing through the app, including student loan refinancing, home loans, and auto loans, as well as other services.

How to Build Credit without a Credit Card

Building credit without a credit card can be a slow process. But, if building credit is your goal, you should get started today. The sooner you get your first loan in place, the sooner you’ll begin to build credit.

What You Need to Know About Estate Taxes

The federal threshold for a taxable estate is $11.7 million. However, states impose their own taxes which will impact a lot more people. If you believe you are close to the federal or state estate tax threshold, you should invest some time and money into determining if estate taxes will affect your estate.

As Seen In: