Daniel Harper
Daniel is a finance writer covering personal finance topics including budgeting, credit, and beginner investing. He began his career contributing to his Substack, where he covered consumer finance trends and practical money topics for everyday readers. Since then, he has written for a range of personal finance blogs and fintech platforms, focusing on clear, straightforward content that helps readers make more informed financial decisions.
Latest Articles by Daniel Harper
About 12 million federal student-loan borrowers, more than 1 in 4, are now behind or in default
Roughly 12 million people with federal student loans are now behind on payments or sitting in default, a figure that amounts to more than one...
Aetna is dropping roughly 90 Medicare Advantage plans across 34 states, sending those members to find new coverage
Aetna, the insurance arm of CVS Health, is discontinuing roughly 90 Medicare Advantage plans across 34 states for contract year 2026. The decision forces an...
The 2027 Social Security raise could reach 4.7%, one analyst now projects, among the biggest increases in decades
Tens of millions of Social Security beneficiaries could see their monthly checks jump by a far larger margin in 2027 than the 2.8 percent increase...
Oregon now shields at least $400 of weekly wages from garnishment
Oregon workers facing wage garnishment for consumer debt will keep more of each paycheck starting July 1, 2026, when the state’s protected weekly earnings floor...
From July 1, Virginia bars foreclosing on a home over medical debt
Virginia homeowners who owe money for medical care will gain a direct legal shield against losing their homes when the state’s Medical Debt Protection Act...
A buyer can assume a seller’s FHA or VA loan and inherit its lower interest rate
Homebuyers locked into mortgage rates above 6 percent have a federal workaround that most never hear about: taking over a seller’s existing FHA or VA...
Up to 5 million seniors could lose a Medicare Advantage plan in 2027, nearly double the 2.6 million dropped this year
Up to 5 million Medicare Advantage enrollees face the loss of their current health plans in 2027, nearly doubling the 2.6 million beneficiaries affected by...
1% in annual 401(k) fees can quietly cost you tens of thousands of dollars over a career
Workers saving for retirement through a 401(k) plan face a persistent, largely invisible drag on their wealth: annual fees that compound year after year. Federal...
A new Connecticut law makes subscription services send yearly renewal reminders and an easy way to cancel
Connecticut residents who have been blindsided by surprise subscription charges now have stronger legal backing. The state’s autorenewal law requires subscription services to obtain a...
About 800,000 Duke Health patients can claim part of a $3.74 million privacy settlement if they used the MyChart app, before an August 16 deadline
Roughly 800,000 Duke Health patients who logged into the MyChart portal face an August 16 deadline to file claims in a $3.74 million privacy settlement....
A PACE program blends Medicare and Medicaid to keep frail seniors at home instead of a nursing facility, often at no cost
Frail seniors who qualify for nursing home admission face a stark choice: enter a facility or find a way to stay home with adequate medical...
Innocent-spouse relief can free you from taxes a partner hid on a joint return
Separated and divorced taxpayers facing IRS collection notices for debts their former spouses secretly created have a specific federal remedy available, but an independent government...
Worked two jobs and earned over $184,500 last year? The extra Social Security tax withheld comes straight back as a credit
Anyone who held two W-2 jobs in 2026 and earned more than $184,500 in combined wages almost certainly had too much Social Security tax pulled...
A capital loss bigger than $3,000 carries forward to cut your taxes for years until it is used up
Investors who locked in steep losses during a market downturn do not forfeit the tax benefit after a single filing. Federal tax law caps the...
Treasury inflation-protected securities raise their principal as prices climb, so the payout keeps pace
Investors holding Treasury Inflation-Protected Securities receive interest payments that rise and fall with consumer prices, but the inflation data driving those adjustments arrives on a...
Spending excess income on medical bills can qualify you for Medicaid in many states, a path called a spend-down
People with disabilities and older adults whose earnings sit just above Medicaid income limits face a painful choice: earn less or go without coverage. A...