Kevin Mercadante's Author Profile and Articles

Kevin MercadanteKevin Mercadante is professional personal finance blogger, and the owner of his own personal finance blog, OutOfYourRut.com. He has backgrounds in both accounting and the mortgage industry. He lives in Atlanta with his wife and two teenage kids and can be followed on Twitter at @OutOfYourRut.

Articles by Kevin Mercadante

Top 10 Tax Deductions for Rental Property Owners

Top 10 Tax Deductions for Rental Property Owners

When you own rental property you are essentially running a small business. Here are 10 primary tax deductions for rental property owners that you can use to reduce your rental income for income tax purposes. 1. […]

The Best Investment Accounts for Different Asset Classes

The Best Investment Accounts for Different Asset Classes

Because of the different ways the Internal Revenue Service (IRS) taxes certain types of investment income, some investments are better held in tax sheltered plans while other investments work better in non-sheltered plans. As a general […]

Term Life vs Whole Life Insurance: Which One is Better for You?

Term Life vs Whole Life Insurance: Which One is Better for You?

This is a recurring debate – should you buy insurance on the cheap, through a term policy, or should you opt for whole life insurance with its cash value/investment feature and coverage for life? The answer […]

Should You Pay Off Debt or Save for Retirement?

Should You Pay Off Debt or Save for Retirement?

We can all see the benefits of having a large retirement portfolio. If it’s big enough, it can provide you with a standard of living comparable to — or even higher than — the one that […]

Preparing Your Investment Portfolio for Volatile Markets

Preparing Your Investment Portfolio for Volatile Markets

Not to be overly pessimistic, but when Wall Street starts setting records it’s time to start hatching an Investment Plan B. Stocks can continue to rise, but they can also either stagnate for a very long […]

6 Strategies to Reduce Your Taxable Income

6 Strategies to Reduce Your Taxable Income

The tax year is over, so it’s too late to come up with ways to lower your tax bite. Or is it? Below are six strategies to reduce your taxable income, and all they will take […]

Is it Good to Have a High Credit Limit?

Is it Good to Have a High Credit Limit?

Having high credit limits can sometimes seem like a validation of our financial success. If these lenders allow you to borrow such a large amount, they must think well enough of you and you are therefore […]

Why Whole Life Insurance Works Better for Kids

Why Whole Life Insurance Works Better for Kids

The chorus that can be heard from financial planners recommending against buying whole life insurance is deafening. Most strongly recommend that you instead use term life insurance. Not only is term life insurance much less expensive, […]

States with the Lowest Cost of Living by Category

States with the Lowest Cost of Living by Category

The United States may be one country, but there are variations in the cost of living from one state to the next, and they can be substantial. Not everyone can afford to pick up and leave […]

Why You Should Sell Your Car Instead of Doing a Trade-in

Why You Should Sell Your Car Instead of Doing a Trade-in

When it comes time to buy a new car most of us default to trading in our old car rather than trying to sell it ourselves. It’s not that we can’t sell it, but just that […]

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