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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

What Is Mortgage Insurance and How Does It Work?

Mortgage insurance protects your lender when you put down less than 20%, but it doesn't have to be permanent. Learn what it costs, how it works, and proven strategies to eliminate these payments.
Read MoreSep 1, 2025
A woman from a Mortgage lender explaining to a buyer what mortgage insurance is.

Debt Relief Programs: What They Are, How They Work, and When to Consider One

Understanding debt relief programs helps you secure the right financial solution when debt becomes overwhelming.
Read MoreAug 28, 2025
A man learning about debt relief programs.

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.
Read MoreAug 28, 2025
A woman following a step-by-step guide to get a mortgage.

When to Refinance Your Mortgage: A Comprehensive Guide

Understanding mortgage refinancing helps you secure the right funding for your future financial goals.
Read MoreAug 28, 2025
A man learning how to refinance his mortgage.

How to Use Your Home Equity: A Comprehensive Guide

Home equity is one of the most significant financial resources available to homeowners.
Read MoreAug 28, 2025
A woman learning how to use her home equity with a guide.

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 26, 2025
A man learning about hacks to turn his everyday spending into cash back rewards.

Should You Use a Credit Card for Back-to-School Spending? Here's When It Makes Sense

The back-to-school season can put significant pressure on family budgets, with costs for supplies, clothing, electronics, and activities quickly adding up. Many parents consider using credit cards to manage these expenses.
Read MoreAug 26, 2025
A man sitting with his high-school daughter trying to decide if he should use his credit card for back-to-school spending.

Chase vs. Amex: Which Rewards Program Is Actually Worth It in 2025?

You're choosing between Chase Sapphire and Amex Platinum, 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 25, 2025
A man wondering if a Chase or Amex rewards program is better.

Mortgage Pre-Approval: Your Guide to a Smoother Home Buying Journey

Navigating the home-buying process can feel overwhelming, especially for first-time home buyers.
Read MoreAug 25, 2025
A woman that got her mortgage pre-approved.

What Is a Second Mortgage and How Does It Work?

A second mortgage can be a powerful financial tool when you need to access your home's equity for major expenses.
Read MoreAug 25, 2025
A woman learning about a second mortgage.
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