David Kindness
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Articles by David Kindness
IRS Publication 575: What It Is, How It Works
Key Takeaways IRS Publication 575 explains tax treatment for distributions from pensions and annuities. It covers how to report these distributions on a federal income tax return. The publication outlines how to calculate the tax-free portion of both periodic and nonperiodic payments. IRS Publication 575 provides guidelines for rolling over distributions to another retirement plan. It discusses additional taxes on early distributions and excess accumulation. What Is IRS Publication 575?
FourNet buys SVL Business Solutions, taking the group to 230 staff and around £65m in revenue
Manchester-based customer experience and AI transformation firm FourNet has acquired SVL Business Solutions, a Glasgow-headquartered contact centre and customer experience specialist. The combined business has more than 230 people, over 450 customers and revenues of around £65 million. SVL brings 41 employees and a background in interaction recording, analytics and workforce management, which over the past five years has widened into customer experience transformation and AI.
Conglomeration Explained: Formation, Advantages, and Challenges
Key Takeaways Conglomeration combines multiple companies under one parent firm to diversify and reduce risk. Conglomerates emerged to create scale through capital markets and cheaper funding. Mergers and acquisitions form conglomerates, often involving cash or stock transactions. Potential downsides include management complexity and spreading resources too thin. Successful conglomerates require efficient management and strategic decision-making. What Is Conglomeration?
Conditional Sales Agreements: Benefits & Key Details
Key Takeaways Conditional sales agreements allow buyers to use assets before full payment is completed. The seller retains ownership and can repossess if the buyer defaults on payments. Contracts specify payment, interest, delivery, and repossession rights. Buyers benefit from seller-provided financing, especially with weaker credit. Such agreements are common in financing vehicles, machinery, and real estate. What Is a Conditional Sales Agreement?
General Manager Role Explained: Responsibilities, Skills, and Career Path
Key Takeaways: A general manager (GM) is responsible for overseeing a department or company operations, aiming to improve efficiency and profitability. Key responsibilities of a GM include managing staff, budgeting, employing marketing strategies, and supervising lower-level managers. GMs typically gain experience in lower-level management roles before advancing and often possess skills in budgeting, communication, and strategic planning.
Economies of Scale: What Are They and How Are They Used?
Key Takeaways Economies of scale lower average costs as production increases. Savings can come from spreading fixed costs, bulk purchasing, specialization, and more efficient technology. Internal economies of scale arise within a company, while external economies benefit multiple companies in an industry. Growth has limits: If a company becomes too large or complex, diseconomies of scale can cause per-unit costs to rise. What Are Economies of Scale?
What Is a Safe Harbor 401(k) Plan?
What Is a Safe Harbor 401(k)? A safe harbor 401(k) plan is a version of a 401(k) retirement savings plan that is easier for employers to manage because it eliminates some of the complex Internal Revenue Service tax rules and compliance requirements. Notably, the safe harbor 401(k) plan requires employers to match employee contributions up to certain limits.
How to Start an LLC: Comprehensive Guide for Business Owners
Key Takeaways Limited liability companies (LLCs) provide legal protections for their owners’ assets if the business is sued or goes bankrupt. Unlike sole proprietorships, LLCs must register with their home state and any other state in which they plan to do business. In addition to the initial filing requirements, states have ongoing compliance rules that LLCs must follow.
ROAE Explained: Definition, Importance & How to Calculate It
Key Takeaways ROAE measures company performance using average shareholders' equity. It provides a steadier performance measure over fluctuating equity values. ROAE and ROE are similar when shareholders' equity is stable. ROAE is more accurate than ROE when equity changes significantly. ROAE helps investors compare profitability across companies in the same sector. Get personalized, AI-powered answers built on 27+ years of trusted expertise. What Is Return on Average Equity (ROAE)?
Privity in Contract Law: Definition and Exceptions Explained
Key Takeaways Privity limits contract rights to the signing parties, excluding third parties. Exceptions allow third parties to enforce contracts like insurance and warranties. Third parties can sue for defective goods via strict liability and implied warranty. In negligence cases, third parties can sue without a direct contract. Privity can be bypassed under specific conditions, such as trust agreements and property covenants.
What Is a Hypermarket? Definition, Advantages, and Example
Key Takeaways A hypermarket is a retail store that combines a department store and a grocery supermarket. The idea behind hypermarkets is to provide consumers with all the goods they require under one roof. Big box retailers sell high volumes of merchandise, which in most cases affords them greater buying power compared with retailers who sell goods in smaller quantities. The presence of a hypermarket can mean discount prices with profit margins that local competitors might not be able to sustain.
Durbin Watson Test Explained: Autocorrelation in Regression Analysis
Key Takeaways The Durbin-Watson statistic measures the level of autocorrelation in residuals from a regression analysis, with a range from 0 to 4. A Durbin-Watson value close to 2 suggests no autocorrelation; values below 2 indicate positive autocorrelation, and those above 2 signify negative autocorrelation. Autocorrelation can significantly affect statistical analyses by creating misleading interpretations of data trends, especially in time series data like stock prices.
Understanding Brand Extension: Definition, Pros, and Notable Cases
Key Takeaways Brand extension uses an established brand to launch new products, leveraging brand equity and customer loyalty. A strong connection between the original brand and new products is vital to avoid brand dilution. Successful brand extensions can diversify offerings, increase market share, and provide competitive advantages. Brand extensions fail when there is a poor fit between the brand identity and the new product.
Qualified Institutional Placement (QIP): Definition and Rules
Key Takeaways Qualified institutional placements (QIPs) enable listed companies to raise capital quickly without extensive regulatory approval from market regulators. Introduced by the Securities and Exchange Board of India (SEBI), QIPs help reduce reliance on foreign funding sources by encouraging domestic capital raising.
Credit card skimmers are getting smarter: Here's how to outsmart them
David Kindness 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. Credit card skimming—the criminal practice of stealing card information during legitimate transactions—has evolved dramatically in recent years.
APR Confusion? What Credit Card Companies Don't Tell You
But credit card companies have mastered the art of APR confusion, using complex terms and hidden mechanics that can turn that seemingly straightforward rate into something much costlier. Most people have no idea how their credit card APR actually works—and that's exactly how the industry wants it. This deliberate confusion costs American consumers billions in unnecessary interest charges every year. This article will explain how APR really works and help you avoid unnecessary interest charges.
Buy Now Pay Later vs Credit Cards: Complete Guide
While traditional credit cards have long dominated consumer financing, recent credit card spending trends show that Buy Now, Pay Later (BNPL) services have emerged as popular alternatives. Understanding the differences between these payment methods can help you choose the best option for your financial situation and spending habits.
Credit Cards vs. Debit Cards: Which is Right for You
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 different purposes and come with distinct advantages and drawbacks. Even our best credit cards require careful consideration alongside debit options to ensure you're making the right choice for your financial situation. In this credit card vs. debit card comparison, we'll help you decide which one is best for your needs.
What Happens If You Don't Pay Taxes?
"In my experience, most taxpayers have little understanding and fear of the IRS. This can result in avoidance of anything IRS-related, turning a manageable problem into a big headache, and potentially a financial crisis," says David Kindness, CPA and Founder of Your Creative CPA. "My first piece of advice to anyone who receives an IRS notice is to open it, understand it, and develop a plan.
Does Pet Insurance Cover Vaccinations? What’s Included & What’s Not
Understanding your coverage options is essential, which is why we recommend exploring plans from our best pet insurance providers before making a decision. In this guide, we’ll explain which pet insurance plans cover vaccinations, how wellness add-ons work, and what to know before your next vet visit. Key Insights Most standard pet insurance policies don’t cover routine vaccinations. Some providers offer optional wellness plans that do cover vaccines and annual exams.
Shopify Setup, Best Practices & Pitfalls
In today’s competitive online landscape, rising customer acquisition costs make a strong retention strategy a business necessity. Without it, businesses risk overspending to attract new customers while losing existing ones to competitors with more engaging loyalty programs. Shop Cash, Shopify’s built-in rewards currency, addresses this issue by seamlessly integrating with pre-existing POS systems and online stores to help convert one-time buyers into long-term customers.
Complete Guide to Debt Relief Programs
Understanding debt relief programs helps you secure the right financial solution when debt becomes overwhelming. These programs offer structured approaches to reducing or restructuring debt through negotiation, consolidation, or managed repayment plans. If you've been researching our best debt consolidation loans and need clarity on debt management options, this guide covers everything from program basics to choosing the right company for your situation.
Here's what credit card companies aren't telling you about APR Original
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 “18.99% APR” advertised on a credit card, you might think you understand what you’re signing up for. But credit card companies have mastered the art of APR confusion, using complex terms and hidden mechanics that can turn that seemingly straightforward rate into something much costlier.
4 premium credit card benefits that are all hype, no bite Original
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 premium credit card with an annual fee of $550 or more, but most cardholders only use 30-40% of available benefits. That means you could be overpaying by $200-400 annually for perks you’ll never actually use.
5 quick & clever ways to turn everyday expenses into over $1,000 in cash back Original
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 household expenses, including essentials like groceries, gas, and utilities. Yet many are missing out on hundreds—even thousands—in cash back rewards simply because they don’t have a strategic approach to their credit card usage.
Credit card skimmers are getting smarter: Here's how to outsmart them Original
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. Credit card skimming—the criminal practice of stealing card information during legitimate transactions—has evolved dramatically in recent years.
5 credit card mistakes to avoid in your 30s (or any age) Original
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 often bring significant financial transitions—from career advancements and homeownership to growing families and increasing responsibilities. These changes make sound financial management more crucial than ever, particularly when it comes to credit cards. Understanding common credit card pitfalls can safeguard your financial health during this pivotal decade.
Is it really that bad to make just the minimum credit card payment? Original
Making only the minimum payment on your credit card might seem like a manageable approach to handling debt, especially during financially challenging times. With current credit card spending trends showing increased reliance on credit, this strategy often leads to long-term financial consequences. This article will explore the hidden implications of minimum payments and provide strategies to break free from this costly cycle.
Should I Pay For Back-to-School Costs With A Credit Card? Original
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. This article will guide you through when using credit cards makes sense for back-to-school purchases and how to maximize the benefits while avoiding potential pitfalls.
Buy now, pay later vs Credit cards: Is one better for your credit score? Original
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 financial goals. Managing your finances effectively often means navigating various payment options. While traditional credit cards have long dominated consumer financing, recent credit card spending trends show that Buy Now, Pay Later (BNPL) services have emerged as popular alternatives.
Debit vs. credit cards: How to decide which to swipe
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 different purposes and come with distinct advantages and drawbacks. Even our best credit cards require careful consideration alongside debit options to ensure you’re making the right choice for your financial situation. In this credit card vs. debit card comparison, we’ll help you decide which one is best for your needs.
Debit vs. credit cards: How to decide which to swipe
Credit Cards vs. Debit Cards: Understanding the Differences in 2025 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 different purposes and come with distinct advantages and drawbacks. Even our best credit cards require careful consideration alongside debit options to ensure you're making the right choice for your financial situation. In this credit card vs.
Why Does Trump Want Tariffs? Original
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 of his economic strategy, calling them “the most beautiful word in the dictionary.” But what’s really behind his aggressive tariff approach?
Musk's DOGE: What Does It Mean for the US Economy?
What Can Musk's DOGE Mean for the US Economy 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 of economists, policymakers, and everyday Americans alike, Elon Musk's Department of Government Efficiency (DOGE) has emerged as a potentially transformative force in the US economic landscape.
Will Trump's Tariffs Affect My Finances? Original
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 might be hitting your wallet in real ways already. Recent policies could increase prices by up to 2.2 percentage points, making everything from your new laptop to kitchen appliances more expensive. Families at all income levels feel financial strain, and many wonder how to cope. The good news? Smart tax planning can help cushion the blow.
Is a DOGE Stimulus Check Coming? What You Need to Know Original
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” that might land in Americans’ bank accounts. These rumors began circulating after President Donald Trump mentioned the possibility during a summit in Miami Beach earlier this year.
Can I Get a Tax Deduction for Working Remotely? Original
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 fixture for millions of Americans, with over 22.5 million workers now operating from home offices. As employees invest in home workspaces—from ergonomic chairs to high-speed internet—the question is: Can you actually deduct these expenses from your taxes?
The Top 10 Stolen Cars in America
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 the most stolen cars in America, it’s essential to understand how this can impact your insurance premiums and coverage options. » Own a theft-prone car?Compare the best car insurance providers with specialized theft coverage for 2025. Hyundai and Kia models dominate the list of most stolen cars in America, holding six of the top ten spots.
America's Top 10 Priciest Cars to Repair
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 repairs can significantly impact your cost of ownership and even affect your insurance premiums. That’s why it’s essential to compare the best car insurance providers before buying a new car to find the right policy for your needs and budget.
Can I Save Money With Pay-Per-Mile Car Insurance?
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 a flexible and cost-effective option for drivers who don’t rack up many miles. Unlike traditional policies, this model adjusts your premium based on how much you actually drive, potentially saving you significant money if you’re a low-mileage driver.
Do Election Years Affect Mortgage Rates?
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 voters hope new administrations will lower rates, economic and political factors play a bigger role. Housing affordability remains a major concern. Examining historical trends and market forces helps clarify how policies shape the mortgage landscape—and what that means for buyers and homeowners.
Can I Get Car Insurance Without a License?
If you’ve ever wondered whether it’s possible to get car insurance without a driver’s license, the answer is yes—but it’s not as straightforward as insuring a licensed driver. Whether you’re dealing with a suspended license, own a car you don’t drive, or simply need coverage for other reasons, there are options available. In this article, we’ll explore how to navigate this unique situation, including legal considerations, cost factors, and practical steps to secure coverage.
America's 9 Most Common Car Accident Causes
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 unfortunate reality of driving, often leading to financial, legal, and emotional challenges. Understanding the most common causes of car accidents and their insurance implications can help you become a safer driver and be better prepared should an accident happen.
Help: I Just Got in a Car Accident. What Do I Do?
No driver expects to be in an accident, yet being prepared for one can save you countless headaches and dollars. Car accidents happen instantly, but their aftermath can last for days, weeks, or even months. Whether it’s a minor fender-bender or a serious collision, knowing exactly what to do if you get in a car accident can significantly affect your safety, legal protection, and financial recovery.
Car Insurance Through the Roof? Here Are 7 Tips to Lower It
Many drivers don’t realize how much control they have over their premiums. You can significantly reduce costs by strategically adjusting your policy and taking advantage of available discounts. Have you’ve ever asked yourself, “how do I lower my car insurance?” If so, this guide will walk you through seven proven methods to save money. To find the best rates, compare the best car insurance providers and start saving today.
10 Safest & Cheapest Cars to Insure
Looking for a new car that’s both safe and affordable to insure? You’re in the right place. The cost of car insurance varies significantly depending on the vehicle you drive, and choosing a car with a strong safety record can lead to lower premiums. To help you find the best options, compare the best car insurance providers for policies that fit your needs. Let’s explore the top 10 cars with the lowest insurance rates that also prioritize safety.
Help: My Taxes Are Getting Audited. What Should I Do?
Received the dreaded IRS notice? Don’t panic—with the right preparation, you can face your tax audit with confidence and emerge unscathed. A tax audit is an IRS review of your financial and tax records to ensure compliance. You need to understand what they’ll investigate and how to justify your decisions. This article explains audits, how to prepare for them, and how to navigate them. For additional support, explore the best tax relief companies of 2025.
11 Common Car Insurance Mistakes to Avoid
Car insurance is a complex and often misunderstood aspect of vehicle ownership. Many drivers make costly mistakes that raise their premiums or leave them underinsured. By understanding these common pitfalls, you can make smarter decisions and get better coverage for less. To ensure you’re on the right track, compare the best car insurance providers for policies tailored to your needs.
7 Practical Money Tips, From Taxes to Retirement
The average American overpays thousands in taxes each year without realizing it. But you don’t have to be one of them. Learning how to pay less taxes legally can make a significant difference in your financial health. Whether you’re an individual or a business owner, understanding tax-saving strategies helps you keep more of your hard-earned money. Image Credit: Jacob Wackerhausen/istockphoto.
Steer Clear of These Side Hustle Tax Errors
Earning extra income feels great—until tax season hits and you’re blindsided by a massive bill. The good news? You can keep more of your side hustle money with the right tax strategy. The side hustle economy has exploded recently, with millions of Americans turning to gig work, freelancing, and online businesses to supplement their income. Image Credit: Srdjanns74/Istockphoto. Understanding side hustle taxes will help protect your hard-earned money from unexpected tax bills and penalties.
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