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
The government has refunded $100 billion in tariffs to importers, yet the shoppers who paid the higher prices are getting nothing back
The federal government has returned roughly $100 billion in import tariffs to the companies that paid them, according to an August 5 court filing, months...
Municipal bond interest is generally free from federal income tax
Interest paid on most municipal bonds escapes federal income tax entirely, a feature that makes them a fixture in the portfolios of higher-bracket retirees hunting...
Costco and Walmart shoppers have sued over tariff overcharges, but no refunds have been approved
Shoppers have filed class-action lawsuits against Costco and Walmart alleging the retailers charged tariff-driven markups and now stand to pocket government refunds without passing anything...
A QLAC lets you move up to about $210,000 out of your IRA and delay required withdrawals
A qualified longevity annuity contract can carve as much as $210,000 out of an individual retirement account, shrink the balance used to calculate required withdrawals,...
Forgiven debt usually counts as taxable income unless you qualify for an exclusion
A canceled credit-card balance, a settled medical bill, or a forgiven personal loan can feel like a clean break, yet the Internal Revenue Service often...
A will alone won’t skip probate, and a beneficiary form can override what your will says
Many people assume a will is the final word on where their money goes, but two common misconceptions can send an estate off course. A...
A living trust keeps your home and savings out of probate and out of public court records
A will directs where property goes, but it does so through a public court process that can take months and skim thousands of dollars off...
The Fed is holding rates, and the best CDs still pay close to 4% with no cut in sight
The Federal Reserve left its benchmark rate unchanged at a range of 3.5 percent to 3.75 percent at its late-July meeting, and for savers that...
Colorado sends low-income residents up to $1,154 a year to help cover property taxes, rent, and heat
Colorado sets aside a yearly rebate worth as much as $1,154 for older and low-income residents who struggle to pay property taxes, rent, or heating...
Affordable Care Act premiums are more than doubling for about 20 million people
The amount that Affordable Care Act marketplace enrollees pay for coverage has more than doubled on average, an increase that landed on roughly 20 million...
Pennsylvania is paying eligible seniors up to $1,000 to offset property taxes or rent
Pennsylvania is sending eligible older residents rebates worth as much as $1,000 to offset the property taxes or rent they paid last year, and the...
The SAVE student-loan plan is dead, and borrowers have until about late September to choose a new one
The Saving on a Valuable Education plan, known as SAVE, is finished, and roughly 7.5 million borrowers now face a hard choice with a short...
A Senate bill would send $600 per person in tariff rebates, but it still hasn’t moved in Congress
A Senate proposal would put $600 in the pocket of most American adults, plus another $600 for each of their children, drawn from the revenue...
Starting in 2026, 18 states will block SNAP shoppers from buying soda and candy with benefits
Beginning in 2026, 18 states have won federal approval to bar residents from using SNAP benefits to buy soda, candy, and other sugary items, the...
More than 4 million people have lost SNAP food aid this year
More than 4 million people have dropped off the Supplemental Nutrition Assistance Program over the past year, one of the steepest declines the food-aid program...
A retiree in the 0% capital-gains bracket can sell winning investments and owe no federal tax
A retiree whose taxable income stays low enough can sell appreciated stocks, funds, or other investments and owe nothing in federal capital-gains tax. The zero-percent...
