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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

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 MoreOct 14, 2026
5 Hacks to Turn Everyday Spending into $1,000+ in Cash Back Rewards

When to Refinance Your Mortgage: A Comprehensive Guide

Understanding mortgage refinancing helps you secure the right funding for your future financial goals.
Read MoreOct 5, 2026
A man learning how to refinance his mortgage.

First-Time Home Buyer Checklist

Buying your first home is an exciting milestone but can also feel overwhelming. Buyers must navigate mortgage options, find the right property, manage closing logistics, and coordinate moving in.
Read MoreSep 28, 2026
A first-time home buyer making a checklist.

How to Handle a Tax Audit: Steps, Rights & Appeals

Here’s what happens if you don’t pay taxes—from IRS penalties and interest to liens, levies, and the options you have to resolve the debt.
Read MoreSep 23, 2026
A woman learning how to handle a tax audit with a step by step guide.

What Happens If You Don’t Pay Taxes?

Here’s what happens if you don’t pay taxes—from IRS penalties and interest to liens, levies, and the options you have to resolve the debt.
Read MoreSep 23, 2026
What Happens If You Don’t Pay Taxes?

How to Fly First Class for Less With Credit Card Points

Compare cards that earn transferable points. Then use welcome bonuses and airline partners to book premium cabins for less than cash fares in 2026.
Read MoreSep 23, 2026
A woman flying first class with the help of her credit card.

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

Understanding how debt relief programs work can help you find the right financial path when your debt becomes unmanageable — without jumping straight into bankruptcy.
Read MoreSep 23, 2026
A man learning about debt relief programs.

What Is Mortgage Insurance and How Does It Work?

When buying a home with less than 20% down, you'll likely encounter mortgage insurance—a cost that protects your lender but adds to your monthly payment.
Read MoreSep 16, 2026
A woman from a Mortgage lender explaining to a buyer what mortgage insurance is.

Debt Consolidation vs. Bankruptcy

American households carry a staggering $17.94 trillion in total debt, with credit card balances reaching $1.17 trillion. If you're among the millions feeling the weight of debt, understanding your relief options is crucial.
Read MoreSep 10, 2026
Debt Consolidation vs. Bankruptcy

Is a Debt Consolidation Loan Right for Your Credit Card Debt?

Learn how combining multiple credit card balances into one loan could lower your interest rate and simplify your monthly payments.
Read MoreSep 10, 2026
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