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I don't think I really used mercantile all that much; at a certain point you end up being gorged with money anyway, especially if you make use of the mudcrab merchant.
Alternatively, you could raise your personality, and get some telvanni bug musk to make people like you more. Illusion spells can also help, the "Charm" spell is expensive, but it will temporarily make the target like you more. How much more depends on how strong the spell is.
Leveling up speechcraft is slow, so I just use trainers when I have a lot of money, but I never really use it... I just didn't find it that great in my playthroughs... there are always alternatives... and you should always have a spare few hundred gold in your pocket anyways if someone needs convincing. But anyways, if you want to level up your speechcraft without trainers, then what I did in one playthrough was that once you progress in the game, "Dreamers" will appear near some cities and next to some roads. You can kill them without consequence, but they won't attack you on sight. So just talk to them, give them all your gold so your speechcraft gets leveled, then kill them and get back your gold. I guess you could use the other 3 options on them to level your speechcraft if you're out of gold.
And about mercantile... if it's high, you'll be able to basically scam merchants... it's really useful if you want to make money, but... once you raise it high enough, you should have loads of cash, so it's kind of useless by the time it could be useful... at around 40-50 you can save, or earn an extra 100 bucks or so, which is not THAT much... I use trainers to level it when I have more money than I can spend, but it's not my top priority.
But either way, I'm no "expert" by any means so my words aren't the absolute truth :P it's just how I played the game
Such as the early Balmora Mage Guild quests for getting Guild Dues and a Telvanni to join.
Anytime someone seems reluctant try raising their opinion of you. If you really want, you can save, bribe them to 100 and see if they do anything different, then reload and peruade them. Usually 70 is all you need, but sometimes it requires more or less.
For Persuasion realize that your skill determines the highest level to which you can take someone's disposition, if they're already above that point (which they will be with starting level persuasion) you'll have to accept that thier disposition will be and remain low for a time, but once it gets low enough your "Admires" and "Intimidates" will start working more consistently (A successful "Taunt" may start a fight, it may not be the best method of practice).
Intimidate can be useful if you want to ‘persuade’ someone.
But does taunting work the same way? it doesnt seem to make sense that you could "fail" at taunting someone so much that their opinion of you literally drops to 0, yet even at that point where they hate your guts taunting them wont cause them to attack you.