Author: David Kindness
Here’s what credit card companies aren’t telling you about APR
Written by: David Kindness
APR is deliberately confusing and compounds daily. Read disclosure boxes, use 0% offers strategically, and make multiple monthly payments to minimize interest costs. When you see …
4 premium credit card benefits that are all hype, no bite
Written by: David Kindness
Premium credit cards only make sense if you travel 6+ times yearly and spend $15,000+ annually. Most cardholders waste $200-400 on unused benefits. You’re considering a …
5 quick & clever ways to turn everyday expenses into over $1,000 in cash back
Written by: David Kindness
TL;DR: Use multiple cards for different spending categories and always pay balances in full to avoid interest charges. Most Americans spend over $77,000 annually on all …
Credit card skimmers are getting smarter: Here’s how to outsmart them
Written by: David Kindness
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 …
5 credit card mistakes to avoid in your 30s (or any age)
Written by: David Kindness
Credit card mistakes in your 30s can cost thousands and delay major goals like buying a home. Here are the mistakes you should avoid. Your 30s …
Is it really that bad to make just the minimum credit card payment?
Written by: David Kindness
Minimum payments can keep you trapped in debt for 15+ years while banks profit. Making only the minimum payment on your credit card might seem …
Should I Pay For Back-to-School Costs With A Credit Card?
Written by: David Kindness
Credit cards can maximize back-to-school rewards and provide purchase protection, but only if you can pay balances in full. The back-to-school season can put significant …
Buy now, pay later vs Credit cards: Is one better for your credit score?
Written by: David Kindness
BNPL offers interest-free installments with easy approval, while credit cards provide rewards and build credit, but charge high interest on unpaid balances. Discover which fits your …
Debit vs. credit cards: How to decide which to swipe
Written by: David Kindness
When it comes to managing your money, choosing between a credit card and a debit card can be confusing. Both offer convenience, but they serve …
Why Does Trump Want Tariffs?
Written by: David Kindness
Some reasons for the tariffs include countering trade deficits to boosting domestic industries and pressuring foreign competitors. President Donald Trump has made tariffs a cornerstone …
Musk’s DOGE: What Does It Mean for the US Economy?
Written by: David Kindness
Slashing federal red tape, Elon Musk’s DODGE emerges as a transformative force in the US economy. In an unprecedented move that has captured the attention …
Will Trump’s Tariffs Affect My Finances?
Written by: David Kindness
As tariffs drive up everyday prices, your tax strategy could be the shield your household finances need. Those tariff headlines might seem distant, but they …
Is a DOGE Stimulus Check Coming? What You Need to Know
Written by: David Kindness
Is that rumored $5,000 DOGE stimulus check actually coming to your account? You’ve probably heard the buzz about a potential $5,000 payment from something called “DOGE” …
Can I Get a Tax Deduction for Working Remotely?
Written by: David Kindness
The home office deduction could save remote workers thousands—but only if you know which tax rules apply to your situation. Remote work has become a permanent …
The Top 10 Stolen Cars in America
Written by: David Kindness
Car theft is a persistent concern for many vehicle owners, with certain models being more susceptible to theft than others. If you own one of …
America’s Top 10 Priciest Cars to Repair
Written by: David Kindness
When shopping for a new vehicle, most buyers focus on the sticker price and fuel economy. However, maintenance and repair costs are often overlooked. Car …
Can I Save Money With Pay-Per-Mile Car Insurance?
Written by: David Kindness
Why pay for miles you’re not driving when your car insurance could be as flexible as your lifestyle? Pay-per-mile car insurance is gaining traction as …
Do Election Years Affect Mortgage Rates?
Written by: David Kindness
As mortgage rates fluctuate, Americans question how much presidential policies influence housing costs. In reality, the connection isn’t as direct as campaign speeches suggest. While …
Can I Get Car Insurance Without a License?
Written by: David Kindness
Contrary to popular belief, you don’t need a driver’s license to own car insurance—but you will need to navigate some special requirements. If you’ve ever …
America’s 9 Most Common Car Accident Causes
Written by: David Kindness
What you don’t know about the most common causes of car accidents could cost you thousands in insurance premiums and legal fees. Car accidents are an …
