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
Heirs who inherit a home or stock get a stepped-up basis that can erase decades of capital-gains tax
When a parent dies and leaves behind a house purchased decades ago or a stock portfolio built over a lifetime, the heir who sells that...
Checking all three of your credit reports is now free every week at AnnualCreditReport.com
Americans can now pull free copies of their credit reports from Equifax, Experian, and TransUnion every single week, not just once a year. The shift,...
You can pull your original Roth IRA contributions back out anytime, with no taxes or penalty
Anyone with a Roth IRA who has ever worried about locking away money they might need has a built-in safety valve written directly into federal...
Starting in 2027, the government will deposit up to $1,000 a year into the retirement accounts of low- and middle-income savers
Millions of lower-paid American workers will soon get direct federal deposits into their retirement accounts, a shift from the tax-credit model that has been in...
You get an 8-month window to sign up for Medicare after leaving a job’s health plan
Workers who stay on an employer health plan past age 65 face a hard deadline once that coverage ends: eight months to enroll in Medicare...
High earners shut out of a Roth IRA can still fund one through a “backdoor” conversion
Taxpayers earning above the modified adjusted gross income thresholds set by federal tax law cannot contribute directly to a Roth IRA, but a well-documented workaround...
A will alone does not avoid probate, but a living trust can keep your estate out of court
Families who assume a signed will keeps their property out of probate court face a costly surprise when a loved one dies. A will names...
Google will pay up to $200 to parents whose children used its apps, with claims open until September 14
Parents of children under 13 who downloaded or used apps from Google Play may be eligible for payments of up to $200 each under a...
Disability insurance replaces part of your paycheck if an illness or injury keeps you from working
Workers who lose income to a sudden illness or off-the-job injury face an immediate financial gap that employer-provided or state-mandated disability insurance is designed to...
Krispy Kreme will pay data-breach victims $75, or up to $3,500 with proof, if they file by June 22
Krispy Kreme customers whose personal data was exposed in a late-2024 cyber incident face a tight deadline to file claims for payments of $75 without...
Lakeview Loan Servicing will pay home borrowers up to $5,000 over a 2021 data breach, with claims due June 22
Borrowers whose mortgage data was exposed in a 2021 breach at Lakeview Loan Servicing, LLC face a June 22 deadline to file claims worth up...
Redfin is accused in a new lawsuit of sharing home shoppers’ data with Meta and TikTok
A proposed class-action lawsuit targets Redfin Corporation for allegedly routing home shoppers’ browsing activity, including video views on property listings, to Meta and TikTok through...
States can recover Medicaid nursing-home costs from your estate after you die
Families who rely on Medicaid to cover a parent’s or grandparent’s nursing-home stay face a financial reckoning that often arrives only after a loved one...
A husband or wife who never worked can still claim up to half of their spouse’s Social Security
A spouse who spent decades outside the paid workforce can still collect a Social Security check worth up to 50% of their partner’s full retirement...
Social Security checks stop growing at age 70, so there is no reason to wait any longer to claim
Americans who delay claiming Social Security past their full retirement age earn a bigger monthly check for every year they wait, but that growth has...
Once you owe less than 80% of your home’s value, you can demand the lender cancel private mortgage insurance
Homeowners paying private mortgage insurance on conventional loans have a federal right to cancel that coverage once their loan balance drops to 80 percent of...