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Kevin Mercadante

Say “No” to the 40 Year Mortgage

by Kevin Mercadante January 27, 2014

As a way to increase mortgage affordability, mortgage lenders are beginning to resurrect the 40 year mortgage. Not that it was ever that popular during the housing boom of the early 2000’s, but it is now seen as a way to enable more borrowers to qualify for mortgages, and in higher loan amounts. But no [...]

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5 Reasons Why Dividend Stocks May Be Better Than Bonds

by Kevin Mercadante January 8, 2014

Are you interested in increasing the fixed income portion of your investment portfolio, but completely unhappy at the fact that even very long-term bonds are paying interest rates in the low single digits? If you are, there are at least five reasons why dividend stocks may be better than bonds, if income is what you are [...]

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Is Medical Tourism a Viable Option? A Look at the Pros and Cons

by Kevin Mercadante December 30, 2013

Medical tourism is the practice of going outside of your home country to seek medical treatment. Right now it’s far more popular outside the United States, but it is growing rapidly here as well. Increasingly, medical tourism is becoming a viable option, at least in certain circumstances. Why medical tourism? By some accounts, medical tourism [...]

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When Whole Life Insurance Actually Makes Sense

by Kevin Mercadante December 18, 2013

In almost every corner of the financial universe, we’re told that term life insurance is a better deal than whole life insurance. In general, I agree – I think we all do. But there are times when whole life insurance actually make sense. Based on logic alone, that has to be true. Since each of [...]

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Why Buying a Brand New Car for a Teenager is a Form of Insanity

by Kevin Mercadante December 11, 2013

No small number of parents buy a brand-new car for their teenager. It may be done as a first car, or even as a graduation present. But while it can seem like a benevolent act, it could also be a form of insanity. Consider some of the following – you may even come up with [...]

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Why an IRA Makes Sense Even If It Isn’t Tax Deductible

by Kevin Mercadante December 4, 2013

When it comes to making contributions for retirement, many people won’t fund an IRA if the contribution isn’t tax-deductible. That raises an interesting question: is the primary purpose of an IRA to build savings for retirement – or is it primarily seen as a tax deduction in the current year? Tax deductibility is certainly a [...]

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Take the Stress Out of Christmas Shopping

by Kevin Mercadante November 25, 2013

Christmas is upon us once again, and in all the fun and festivities, there’s yet another dimension that most of us don’t like to think about – stress! Let’s be honest, stress takes a lot of the fun out of the holidays – and much of that stress comes from shopping. We want to be [...]

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