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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

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 MoreJan 15, 2026
A man sitting with his high-school daughter trying to decide if he should use his credit card for back-to-school spending.

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.
Read MoreJan 15, 2026
A woman sitting at her desk being worried about how her minimum credit card payments are hurting her finances.

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

When you see "18.99% APR" advertised on a credit card, you might think you understand what you're signing up for.
Read MoreJan 15, 2026
A man who's confused about APR.

The Most Common Pet Health Issues and How Much They'll Cost You

Caring for a pet brings immense joy, but it also comes with its share of challenges, especially when it comes to their health. From minor ailments to more serious conditions, pet owners are likely to encounter a variety of health issues throughout their pet's life.
Read MoreJan 14, 2026
Care for your pet with insurance

ATM Withdrawal Limits: Everything You Need to Know

An ATM withdrawal limit is the maximum amount of cash you can take out from an ATM within a 24-hour period.
Read MoreJan 13, 2026
A man withdrawing money from an ATM.

Is Term Life Still the Best Option in 2026?

Life insurance seems simple: protect your family if something happens to you. But with policies ranging from $20 to $2,000 per month, how do you know what's actually worth it?
Read MoreJan 12, 2026
A man and woman considering if term life insurance is still worth it.

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 6, 2026
A man wondering if his premium credit cards are worth the fee.

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 MoreJan 6, 2026
A man sitting an in airport lounge as an economy flyer due to his credit card.

How to Handle a Tax Audit: Your Step-by-Step Guide

A tax audit is an IRS review of your financial and tax records to ensure compliance.
Read MoreJan 6, 2026
A woman learning how to handle a tax audit with a step by step guide.

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 MoreJan 6, 2026
A woman flying first class with the help of her credit card.
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