Author

Daniel Mercer

Daniel Mercer writes and edits the decision guides on FinanceFacts101 — the articles that turn a money question into arithmetic — and rewrites the site's older reference entries. Every figure he publishes is computed from assumptions stated on the page, every load-bearing number cites a primary source, and anything time-sensitive carries its as-of date. He does not give personal advice, and nothing he writes is a substitute for it.