David Kindness

The Truth About Minimum Payments—and How They Can Hurt You

Making only the minimum payment on your credit card might seem like a manageable approach to handling debt, especially during financially challenging times.

Credit Card Skimming Is Getting Smarter—Here's How to Stay Safe

Credit card skimmers are now nearly invisible, targeting both physical terminals and online payments with wireless technology. Stay safe by using contactless payments, inspecting card readers, and monitoring your accounts regularly.

How to Use Your Home Equity: A Practical Guide for Homeowners

Learn how home equity works and compare loans, HELOCs, and cash-out refinancing. Then decide when tapping equity supports your goals.

How to Get a Mortgage: A Step-by-Step Guide

Getting a mortgage is an important step when you need to buy a home, as few people can afford to pay for a house entirely in cash.

The Rise of "Buy Now, Pay Later" vs. Credit Cards: What You Should Know

Managing your finances effectively often means navigating various payment options.

Read MoreAug 24, 2026

A man sitting at his desk deciding between Buy Now, Pay Later options vs credit cards.

5 Credit Card Mistakes to Avoid in Your 30s

A $5,000 credit card balance at 18% APR can cost over $7,000 in interest — money that could have been a down payment, a retirement contribution, or an emergency fund.

Read MoreAug 24, 2026

5 Credit Card Mistakes to Avoid in Your 30s

5 Hacks to Turn Everyday Spending into $1,000+ in Cash Back Rewards

Most Americans spend over $77,000 annually on all household expenses, including essentials like groceries, gas, and utilities.

Read MoreAug 24, 2026

A man learning about hacks to turn his everyday spending into cash back rewards.

Chase vs. Amex: Which Rewards Program Is Actually Worth It in 2026?

You're choosing between Chase Sapphire and American Express Platinum Card®, but the decision isn't obvious. Chase offers 1 cent per point in cash back versus Amex's 0.6 cents—a 67% difference.

Read MoreAug 24, 2026