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

Joint vs. Separate Checking Accounts, Which is Better?

Joint vs. Separate Checking Accounts, Which is Better?

Some people swear by joint checking accounts. Others wouldn’t touch it with a 10 foot pole, and prefer to stay with separate checking accounts. Which is the better way to go? That probably depends on personal […]

Why You Need an IRA Even if You Have a 401(k)

Why You Need an IRA Even if You Have a 401(k)

Most of us like simplicity in life, and that even includes retirement planning. If you actively participate in the 401(k) plan with your employer, you may assume that you’ve got your retirement covered. But as the […]

Preparing for the Non-Financial Side of Retirement

Preparing for the Non-Financial Side of Retirement

When planning for retirement there’s an overwhelming tendency to focus on the financial side, and as well as should be. Without a solid tax-deferred retirement plan there would be no retirement for most people. But there’s […]

What To Do When You Can’t Pay Your Student Loan Debt

What To Do When You Can’t Pay Your Student Loan Debt

Student loans are becoming a problem for more college graduates — or more particularly the ability to pay them. Higher college tuition and fees has led to larger student loan debts with commensurately higher monthly payments. […]

The Key Advantages of Buy and Hold Investing

The Key Advantages of Buy and Hold Investing

We can debate whether buy-and-hold is a more effective method than other investment strategies, but it has two advantages that are beyond question. One is that transaction fees are generally lower with buy-and-hold than with other […]

Stopping Retirement Contributions to Get Out Debt

Stopping Retirement Contributions to Get Out Debt

There is a general consensus that when it comes to retirement contributions you should start early and never stop. But there may also be times when contributing is either undesirable or even impossible, and you’ll need […]

Are Bonds and Bond Funds Safe Investments?

Are Bonds and Bond Funds Safe Investments?

When we build an investment portfolio it should include a mix of higher risk securities as well as safer investments. This usually divides the portfolio neatly between stocks and bonds. And with mutual funds and exchange […]

How Portfolio Diversification Helps Your Investments

How Portfolio Diversification Helps Your Investments

Discussion of investing usually centers on growth type assets, like stocks, commodities or real estate. Not only are those investment generally the best performers over the long run, but they also tend to be more complex […]

Beware of High Turnover Ratio Funds

Beware of High Turnover Ratio Funds

Just like Football, high turnover is bad for you and good for the other team. Investing in mutual funds and exchange traded funds (ETF’s) with high turnover ratios involves paying a large amount in transaction fees […]

What Can You Do If You Have No Health Insurance?

What Can You Do If You Have No Health Insurance?

We all know that everyone should have some kind of heath insurance. At a minimum, we should have it to cover medical emergencies that can run into the hundreds of thousands of dollars. Then there are […]

Best Bank Rates

Disclaimer

The information on this site is strictly the author's opinion. It does NOT constitute financial, legal, or other advice of any kind. You should consult with a certified adviser for advice to your specific circumstances.

While we try to ensure that the information on this site is accurate at the time of publication, information about third party products and services do change without notice. Please visit the official site for up-to-date information.

For additional information, please review our legal disclaimers and privacy policy.

Notice

Moolanomy has affiliate relationships with some companies ("advertisers") and may be compensated if consumers choose to buy or subscribe to a product or service via our links. Our content is not provided or commissioned by our advertisers. Opinions expressed here are author's alone, not those of our advertisers, and have not been reviewed, approved or otherwise endorsed by our advertisers.