About Kevin Mercadante

Kevin 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.


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6 Important Things to Consider Before Investing

before investing

If you ask nearly any financial advisor when to begin investing, you will probably hear something along the lines of as soon as possible! It makes sense — after all, the sooner you begin investing the greater the positive impact from the time value of money will be.

Why You Need to Assemble Your Own Panel of Trustworthy Advisors

Trustworthy advisors

It is impossible for each of us to be experts in everything we face in life — after all, we have a “day job” and all the complications it entails. For nearly everything else, especially investing, we need help. That’s why you need to assemble your own panel of trustworthy advisors.

4 Strategies to Generate More Investment Income

generate more investing income

“How can I generate more investment income?” That’s a question that’s on a lot of our minds now that the stock market is floating around in record territory. Whether it goes higher, begins to turn lower, or just floats along in the middle — now is an excellent time to take steps to generate more [...]

The One Thing You Need To Do Before Retiring

before retirement

You’ve put in the time at your business or on your job. You’ve amassed a large investment portfolio that should see you through your retirement years. And you even got your will and final arrangements set up on paper. But there’s one more thing to do before retiring…

When Stock Markets Start Falling What’s the Best Investment Strategy?

Investment Strategy

With the Dow Jones Industrial Average hitting an all-time high in the past three years, this doesn’t seem like the right time to contemplate what you would do in the event that stocks should start to fall.

Questrade Review – Low Cost Investing For Canadians

Questrade

There’s good news in the online investment brokerage front for Canadian citizens with Questrade. The company offers low cost investing in virtually every type of investment security.

Why You Shouldn’t Rely Completely on Your Public Pension

pension funds

There was a time — not so very long ago — when the promise of a state or local pension made for a worry-free retirement. Pension payments could be comparable to working salaries as there were annual inflation adjustments and you continued to be a part of the state sponsored healthcare plan. No saving for [...]

How to Improve Your Investment Performance With an Emergency Fund

Emergency Fund Investment

Want to know a secret? An emergency fund can improve your investment performance. That’s why you should have one in place before you even start investing.

How Many Mutual Fund Classes Are Available?

generate more investing income

Most investors know about mutual fund expenses like, load funds, no-load funds, 12b-1 fees, but less well-known is the fact that funds are also separated into classes based largely on those fees. Though a fund may be split into different classes, all classes can still have identical portfolio mixes. However, since the fees for each [...]