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Home Authors Posts by Kevin Mercadante

Kevin Mercadante

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With backgrounds in both accounting and the mortgage industry, Kevin Mercadante is professional personal finance blogger, and the owner of his own personal finance blog, OutOfYourRut.com. He lives in Atlanta with his wife and two teenage kids.
Quitting New Job Better Offer

Quitting a New Job for a Better Offer – Is It a Good Idea?

Picture this: You spend months looking for a new job with no luck at all. Then, almost miraculously, you finally get a decent offer, accept it, and start the new job. A month or...
Protect Give Out Social Security Number

How to Protect Your Social Security Number and When Not to Give It Out

Most of you probably learned early on to keep your Social Security numbers safe, secure, and private. These nine digits are your primary personal identification numbers, the key to your accounts and private data....
Short Sale Foreclosure

Tax Implications & Consequences of a Short Sale or Foreclosure

Over the past few years, millions of Americans have faced the pain of foreclosure, and many are still navigating the frustrating process of short sales to sell their homes. Each ordeal comes with a...
stressed young woman doing banking administrative tasks

The Real Cost of Using Credit Cards – Other Than Interest Rates, APR &...

For many people, credit card debt becomes just another burden they feel they have to bear. They become complacent, continuing to carry balances throughout their working lives, and into retirement. How do you get to...
Upside Down Car Crash

How to Get Out of an Upside Down Car Loan With Negative Equity

In the housing industry, it's called "negative equity." In the automotive industry it's called being "upside down." In both cases, it means the same thing: You owe more money on an asset than the...