David Keller

David M. Keller is a finance writer based in Columbus, Ohio, covering personal finance and consumer-focused economic topics. He earned his degree in journalism from Ohio University and began his career reporting on local business and economic trends for a regional media outlet. Since then, he has contributed to a variety of online publications, focusing on clear, practical coverage of topics such as cost of living, debt, and everyday financial decision-making.

Family with finance consultant

A free national locator has matched families with more than $10 billion in lost life-insurance benefits since 2016

Families across the United States have recovered billions of dollars in life-insurance proceeds they did not know existed, thanks to a free federal-state search tool that quietly became one of the most effective consumer-recovery programs in the country. The Life Insurance Policy Locator, built by the National Association of Insurance Commissioners and state regulators, lets…

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Exterior of the Internal Revenue Service office in midtown New York.

The IRS may owe you a refund for penalties paid between 2020 and 2023 — you have 32 days left before the July 10 deadline

Tens of millions of taxpayers who paid failure-to-file or failure-to-pay penalties on returns from 2020 through 2023 now have 32 days to claim refunds before a practical filing cutoff on July 10, 2026. The National Taxpayer Advocate flagged the deadline after a federal court ruling reinterpreted how the COVID-19 disaster period affects penalty assessments, opening…

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Senior couple using laptop and holding pill bottle in kitchen at home

Crossing the $109,000 income line in retirement triggers Medicare’s IRMAA surcharge, adding $974 a year to the Part B premium

Retirees whose modified adjusted gross income edges past $109,000 in 2026 will pay an extra $81.20 per month on top of the standard Medicare Part B premium of $202.90, a surcharge that adds $974 to their annual health-care bill. The penalty, known as the income-related monthly adjustment amount, or IRMAA, is calculated from tax returns…

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a woman and children play with a child with a colorful puzzle

Scammers posing as parents are sending fake advance checks to people who advertise childcare, then asking for part of the money back

Childcare providers who advertise their services online are losing money to a scheme in which scammers pose as parents, send a counterfeit check for more than the agreed rate, and then pressure the provider to return the “overpayment” through wire transfers, payment apps, gift cards, or cryptocurrency. The Federal Trade Commission highlighted this pattern in…

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