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

Stansberry Research Review: Investing Newsletters for Everyone

Stock selection is one of the biggest challenges for investors of individual stocks. In response to that, an entire industry of investment advisories has grown up over the years. One of the most popular investment advisory services of the past two decades has been Stansberry Research.

Best Personal Loan Options for Poor or Bad Credit

Personal loans for poor or bad credit can have high interest rates and origination fees, but they are a much better option than payday loans. They can also help you improve your credit which will allow you to get better loan terms next time.

5 Best Retirement Planning Tools for 2021

Saving and investing for retirement without a specific retirement plan is like setting sail on a ship with no destination. If you’re not sure if you’re on track to reach your retirement goals you should definitely take advantage of a retirement planning tool.

5 Best Stock Picking Services for 2021

We narrowed the list down to five that we believe to be the best stock picking services. This is based on several factors, including investor acceptance of the service, longevity, and the credibility of the provider in the financial community. We also considered price, payment options, and other services offered by each.

Titan Invest Review: Low-Cost Hedge Fund Type Investing

Titan Invest is a unique investment product that uses shorting - or hedging - in it's investment strategy. It’s not for everyone, but if you’re willing to take on more risk in search of higher returns, it can be an excellent choice for a portion of your overall investment portfolio.

Best Dividend Trackers 2021: Free and Premium

Here's our list of the best dividend trackers available. Each offers a different service level, and while most are premium services, some are offered free. Because each offers a different portfolio of services, you can choose the one that will work best for you.

Using Insurance Comparison Websites to Get the Best Coverage

Insurance comparison websites make shopping for insurance easier. Here's a list of the top comparison websites for various insurance types - life, car, health, homeowner's, and pet. Get quotes from multiple companies and make sure you are getting the best price.

What are the Best Crypto Sites and Exchanges?

Some of the best Crypto sites and exchanges are exclusively dedicated to investing in cryptos. Others offer other investments, like stocks and exchange traded funds (ETFs), and others provide limited banking services.

The 7 Best Long-Term Care Insurance Companies

Most people will need long term care at some point in their lives. Whether that means in home care or living full time in a nursing home. Insurance can help get you, or your loved ones, quality care while protecting your nest egg.

The Best Car Insurance Companies for 2021

Which car insurance company is the best depends on factors such as your location, driving history, and specific car. However, here's our list of the best car insurance companies based on national averages. You'll still want to shop around but this list is a great place to start.

FarmTogether Review: Invest in US Farmland

Farmland is an alternative investment that isn't correlated with the stock market. Food never goes out of style. FarmTogether allows accredited investors to buy shares in the LLCs of individual farms, earning money from rent on the land as well as price appreciation when the land sells.

What is the Average Cost of Car Insurance in 2021?

The average cost of car insurance is useful for comparisons but will not play a direct role in what you will pay as an individual. Your state, driving record, age, coverage amounts, and the car you drive will all play a factor in what you actually pay for car insurance.

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