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
Medicaid cannot take your home to recover care costs while a disabled or caregiver child lives there
For many retirees the house is the largest thing they will leave behind, and the fear that a state Medicaid program will seize it to...
Above-ground pool owners can file for part of a $15 million Bestway settlement with no proof of purchase before October 30
Anyone who bought a tall Bestway above-ground pool over the past decade and a half has a narrow window to collect a cash payment, and...
Health-law subsidies lapsed, and marketplace premiums more than doubled for many people in their late 50s and early 60s
The enhanced subsidies that made Affordable Care Act coverage affordable for millions of people lapsed at the start of 2026, and the result has landed...
A continuing-care retirement community bundles independent living with future nursing care for one fee
For many older adults, the hardest question in retirement is not how to spend the early years but what happens when health declines and living...
You can dispute a credit-card billing error in writing and force the issuer to investigate
A wrong charge on a credit-card statement is not something a cardholder simply has to absorb. Federal law gives every consumer the right to challenge...
A transfer-on-death title lets a car pass to an heir without probate in many states
A car is often one of the more valuable possessions a person leaves behind, and without planning it can be dragged into probate — the...
I bonds pay a rate that rises with inflation and defer federal tax until you cash out
Series I savings bonds occupy an unusual corner of the savings world: they are backed by the U.S. Treasury, adjust with inflation twice a year,...
The Labor Department’s new Lost and Found helps workers track down old 401(k) money
Billions of dollars in retirement savings sit stranded in accounts their owners have forgotten — 401(k) balances left behind when a worker changed jobs, and...
ABLE accounts let a disabled beneficiary save without losing Medicaid or SSI
For people with disabilities, saving money has long carried a cruel penalty: accumulate more than $2,000 and the assets can disrupt Supplemental Security Income and...
A pension’s survivor option lowers your monthly check but protects a spouse for life
At retirement, a worker with a traditional pension usually faces one irreversible decision that shapes a spouse’s finances for decades: take the largest possible monthly...
A Roth IRA never forces withdrawals during the owner’s lifetime
Every year, millions of retirees are forced to pull money out of their traditional IRAs and 401(k)s whether they need it or not, because the...
Medicaid’s home-care waivers can pay for help at home instead of a nursing facility
The cost gap between a nursing home and staying put is enormous — institutional long-term care can run several thousand dollars a month, and for...
Retirees who owe at filing can have taxes withheld from Social Security or pay quarterly
A retiree who ends up owing the IRS at tax time usually has two ways to head off the same surprise the following year: have...
The PACT Act opened VA health care and benefits to veterans exposed to burn pits
For decades, a veteran who developed cancer or a chronic lung condition years after breathing the smoke of a military burn pit faced a frustrating...
A financial power of attorney lets someone manage your money if you can’t
A financial power of attorney is the document that decides who pays the bills when illness or injury leaves a person unable to manage money...
The Saver’s Credit hands lower-income workers up to $1,000 for retirement contributions
The Saver’s Credit can return as much as $1,000 to a lower-income worker’s federal tax bill, or up to $2,000 for a married couple, in...
