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
If your income dropped after you retired, you can appeal the Medicare surcharge on higher earners and get it lowered
Retirees who saw their income fall sharply after leaving the workforce can ask the Social Security Administration to reduce or eliminate the Medicare surcharge they...
For six months after you turn 65 and enroll in Part B, insurers must sell you any Medigap plan regardless of health
Americans turning 65 and signing up for Medicare Part B get exactly one chance to buy supplemental insurance on their own terms. Federal law gives...
Medicare now caps what you pay out of pocket for prescriptions at $2,100 a year, the first ceiling Part D has ever had
Seniors and people with disabilities on Medicare Part D now face a hard dollar limit on what they spend each year for prescription drugs, set...
The national gas average has slipped back under $4 a gallon
American drivers are catching a break at the pump for the first time in months. The national average price for a gallon of regular gasoline...
Bell Ambulance will pay $90, or up to $5,000 for proven losses, to data-breach victims who file by June 29
Nearly 237,830 people who were transported or treated by Bell Ambulance, Inc. now face a tight deadline to file claims for cash payments tied to...
The IRS opens walk-in Taxpayer Assistance Centers this Saturday, June 27
Taxpayers who cannot visit an IRS office during the workweek have one last shot at Saturday walk-in service this year. Select Taxpayer Assistance Centers across...
A reverse mortgage can free up cash in retirement, but the loan balance grows and can eat the home equity you leave behind
Retirees who tap their home equity through a reverse mortgage gain immediate spending power, but the trade-off is concrete: interest compounds on the loan balance...
Medicare Advantage plans must now honor a hospital’s approval through discharge, with no mid-stay denials
Millions of Medicare Advantage enrollees who end up in hospitals no longer face the risk of having their approved stays pulled out from under them....
$184,500 is where Social Security’s payroll tax stops in 2026; income above it goes untaxed
Every worker earning above $184,500 in 2026 will stop paying Social Security tax on each additional dollar, while everyone below that line pays the 6.2...
Original Medicare leaves you paying 20% of most doctor bills, with no yearly cap
Millions of Americans on Original Medicare face a cost-sharing structure that charges them 20% of the Medicare-approved amount for most doctor visits and outpatient services,...
Scammers copy the codes off store gift cards before you buy them, so check the packaging first
Thieves are tampering with gift cards hanging on retail store racks, copying the card numbers and PINs, then waiting for an unsuspecting buyer to load...
Senate Democrats are pushing a $200-a-month emergency boost to Social Security and SSI checks
Senators Elizabeth Warren, Chuck Schumer, and Ron Wyden have introduced legislation that would send an extra $200 per month for six months to people who...
$7 trillion sits in money-market funds earning 4% while bank savings pay near zero
Savers keeping cash in traditional bank accounts are losing ground to a simple alternative that pays several percentage points more in annual interest. More than...
A home-equity line now averages well above 8%, so tapping your house costs far more than your old mortgage
Homeowners sitting on record equity are discovering that their house has become a much more expensive ATM. While many locked in fixed mortgage rates near...
$250,000 per person is FDIC-insured at each bank, so spread cash to cover more
Anyone holding more than $250,000 in a single bank account faces a straightforward risk: the amount above that threshold is not federally insured. The Federal...
Your car quietly sends driving data to brokers who sell it to insurers, and you can shut it off in the settings
Millions of GM vehicle owners had their precise driving behavior collected through OnStar and funneled to consumer reporting agencies that feed insurance pricing models, all...