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
A top CD still pays about 4.1% after the Fed held rates steady
One current certificate of deposit offer shows that a yield above 4% remains available even after the Federal Reserve held its policy rate steady in...
Airlines must send an automatic cash refund for a canceled or badly delayed flight when you decline alternatives
A canceled or significantly changed flight can trigger an automatic refund to the original form of payment, but only when the traveler does not accept...
Sam’s Club raised its membership fee to $60, its first increase in almost four years
Sam’s Club has reset the price of entry to its warehouses. The standard Club membership now costs $60 a year, up from $50, after the...
Certain Delta Dental members can claim up to $16.50 from a $12.67 million tracking settlement before Aug. 20
A proposed $12.67 million privacy settlement offers a $16.50 cash payment to a specific group of people who held accounts on a Delta Dental-related online...
Required retirement-account withdrawals now start at 73 or 75, and missing one can bring a penalty
Required minimum distributions no longer begin at one universal age. Federal law now divides retirees into birth-year groups: most people born from 1951 through 1959...
Buyers of a qualifying U.S.-assembled new car can deduct up to $10,000 of loan interest on 2025 through 2028 returns
A temporary deduction can reduce federal taxable income by as much as $10,000 of qualifying vehicle-loan interest each year from 2025 through 2028. The car...
Qualified overtime premium pay is now deductible up to $12,500 for singles and $25,000 for couples through 2028
A temporary federal deduction can shelter qualified overtime premium pay through 2028, but it does not make an entire overtime paycheck tax-free. The maximum deduction...
Billions in forgotten money sit with state treasurers, and one free search covers most states
State unclaimed-property programs hold billions of dollars that businesses could not return to the rightful owners. A free national tool can search most participating states...
Trump has proposed $2,000 tariff-dividend checks for middle- and lower-income Americans, though no bill has passed
A proposed $2,000 tariff dividend remains a political idea, not money that households can count on. President Donald Trump said tariff revenue could fund a...
The IRS raised 2026 tax brackets for inflation, so a modest raise may not push you into a higher rate
The IRS moved every federal income-tax bracket upward for 2026, giving wages and retirement income more room before the next marginal rate begins. A single...
The new tax law locks the estate-tax exemption at $15 million per person, shielding more family inheritances
A new federal tax law established a $15 million basic estate-tax exclusion for each person in 2026 and kept that larger structure from expiring after...
Indiana gave its Medicaid program nine months to bill a deceased senior’s estate for nursing-home care
Indiana’s Medicaid Estate Recovery Unit can file a claim for nine months after a recipient dies, giving the state a longer runway than families may...
Retirees can have federal tax withheld from Social Security with Form W-4V to avoid a surprise April bill
Social Security arrives without federal income-tax withholding unless a beneficiary asks for it, a setup that can make an apparently stable monthly budget produce an...
Leftover 529 college savings can roll into a Roth IRA, up to $35,000
A 529 account no longer has to become a tax problem simply because a child received a scholarship, chose a cheaper school or never used...
You can put $4,400 in a health savings account in 2026, or $8,750 for a family, plus $1,000 at 55
Health savings account limits rose again for 2026, giving eligible households more room to save for medical costs with unusually strong tax treatment. The annual...
Tipped workers can deduct up to $25,000 of tip income on their 2025 tax return under a new law
A new federal deduction can remove as much as $25,000 of qualified tip income from taxable income on a 2025 return. The break is available...