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David Kindness Bio

David Kindness

David Kindness is a finance, insurance and tax expert at BestMoney.com. He has written for Investopedia, The Balance, and Techopedia, sharing his deep expertise in taxation, accounting, and finance. A CPA with a Bachelor’s in Accounting, David has worked as a tax specialist and Senior Accountant for high-net-worth clients and businesses in the San Diego area.

Posts by David Kindness

APR Confusion? Here’s What Credit Card Companies Don’t Explain

The 18.99% APR advertised on your credit card is not what you actually pay.
Read More Mar 23, 2026
A man who's confused about APR.

Credit Cards vs. Debit Cards: Understanding the Differences in 2026

When it comes to managing your money, choosing between a credit card and a debit card can be confusing.
Read MoreMar 22, 2026
Credit Cards vs. Debit Cards

Which Credit Cards Offer Lounge Access Without Flying Business Class?

While business class passengers enjoy quiet lounges with free food and comfortable seating, you're stuck at crowded gates paying airport prices.
Read MoreMar 22, 2026
A man sitting an in airport lounge as an economy flyer due to his credit card.

Revenge Travel on a Budget: Cards That Help You Fly First Class for (Almost) Free

You're ready to make up for lost travel time, but luxury revenge travel seems financially out of reach at first-class prices of $5,000-15,000 per ticket.
Read MoreMar 22, 2026
A woman flying first class with the help of her credit card.

When to Refinance Your Mortgage: A Comprehensive Guide

Understanding mortgage refinancing helps you secure the right funding for your future financial goals.
Read MoreMar 18, 2026
A man learning how to refinance his mortgage.

10 Cars with the Highest Theft Rates & Their Insurance Impact

Car theft is a persistent concern for many vehicle owners, with certain models being more susceptible to theft than others.
Read MoreJan 27, 2026
A woman dealing with a car insurance mistake she could have avoided.

Top 10 Most Expensive Cars to Repair

Some vehicles may look affordable upfront, but come with maintenance and repair bills that add up quickly, especially if they're luxury models, performance cars, or heavy-duty trucks.
Read MoreJan 27, 2026
A man driving with one of the most expensive cars to repair.

How Tariffs Impact Your Wallet - and What Tax Moves Can Help

From electronics to groceries, prices are creeping up — and tariffs may be part of the reason. Whether you're shopping for appliances or simply trying to make your paycheck last, those hidden costs add up fast.
Read MoreJan 27, 2026
A household learning tax strategies to deal with the impact of tariffs.

7 Smart Ways to Lower Your Car Insurance in 2026

The good news? You have more control over your premium than most people think. In this guide, we’ll walk through seven practical, proven ways to reduce your car insurance bill without sacrificing the coverage you need.
Read MoreJan 25, 2026
A man talking to a car insurance agent about lowering his car insurance rate.

Are Premium Credit Cards Worth the Fee? A Deep Dive on Benefits You'll Actually Use

You're considering a premium credit card with an annual fee of $550 or more, but most cardholders only use 30-40% of available benefits.
Read MoreJan 22, 2026
A man wondering if his premium credit cards are worth the fee.
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