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
Drugmakers agreed to negotiate Medicare prices on 15 more medicines, including the first ever under Part B
Medicare’s drug price negotiation program has expanded again, with federal officials announcing agreements on 15 additional medicines and, for the first time, a treatment covered...
You can pull all three credit reports free weekly at AnnualCreditReport.com
Equifax, Experian, and TransUnion now let any consumer pull a free credit report from each bureau once a week, every week, through AnnualCreditReport.com. The three...
The IRS funds free tax help for filers over 60 through VITA and TCE
Millions of Americans over 60 face a quiet problem every spring: tax rules that grow more complex each year, paired with preparation costs that can...
Medicare Advantage members get a January window to switch plans or return to original Medicare
Millions of people enrolled in Medicare Advantage plans have a narrow three-month period, running January 1 through March 31, to switch to a different Medicare...
The first 10 drugs with Medicare-negotiated prices took effect this year, and the 9 million seniors who take them could see out-of-pocket costs fall by more than half
Nine million people enrolled in Medicare entered 2026 paying less for some of the most widely prescribed drugs in the United States. Negotiated Maximum Fair...
Skipping your employer’s 401(k) match leaves free money on the table, often thousands of dollars a year
Workers who skip their employer’s 401(k) match forfeit one of the most direct paths to building retirement savings, often leaving thousands of dollars unclaimed each...
E-filing with direct deposit gets most tax refunds out within 21 days, versus weeks for a paper check
Taxpayers who file electronically and choose direct deposit can expect their refunds within 21 days in more than nine out of ten cases, according to...
Your bank deposits are insured up to $250,000 per depositor, and you can cover more by using several banks
Anyone with more than $250,000 in a single bank account faces a straightforward risk: if that institution fails, the Federal Deposit Insurance Corporation covers only...
After 70½ you can send over $100,000 a year from an IRA straight to charity, tax-free
IRA holders who have reached age 70½ can direct up to $100,000 per taxable year straight from their retirement accounts to charity and exclude the...
The beneficiary form on your 401(k) overrides your will
A single form buried in an employer’s HR portal can override years of estate planning. When a 401(k) account holder dies, the retirement plan’s beneficiary...
Consumer confidence rebounded in June from a record low but remains 19% below a year ago, with households still expecting 4.6% inflation
American households pulled back from the deepest pessimism on record in June 2026, but the recovery barely dented a year-long slide in economic confidence. The...
Searching for health insurance online can lead you to a scammer, the FTC warns
The Federal Trade Commission filed a lawsuit in April 2026 to shut down a health care scheme that allegedly impersonated government agencies and major insurance...
Twelve million Americans — one in four federal borrowers — are now behind or in default on student loans
Roughly 12 million federal student-loan borrowers are now behind on payments or in outright default, a figure that represents nearly one in four people carrying...
The U.S. cattle herd has shrunk to a 75-year low, pushing beef prices up 12.9% over the past year
American families are paying sharply more for beef after the national cattle herd contracted to levels not recorded since the early 1950s. Total cattle and...
Converting part of a traditional IRA to a Roth in a low-income year can cut the lifetime tax on your savings
Retirees and pre-retirees who experience a temporary drop in earnings, whether from a job change, a gap year, or an early retirement transition, face a...
Medicare’s annual wellness visit and most preventive screenings cost you nothing — as long as it’s billed as preventive
Medicare beneficiaries can walk into a doctor’s office for their annual wellness visit and most preventive screenings without paying a dime out of pocket, but...