About Us
Moneystretching writes about the money decisions that arrive as paperwork: the Annual Notice of Change from a Medicare plan, the escrow analysis that raised a mortgage payment, the insurance letter that says a policy will not be renewed, the hospital bill with line items nobody explained.
Moneystretching.com first published personal-finance articles in 2021. In 2026 the site changed hands and was relaunched with a narrower focus: the costs that people in their fifties, sixties and seventies actually face, explained with the real numbers and the dates they change.
We are not advisers. We do not sell insurance, plans or financial products, and we do not tell anyone which one to buy. What we do is explain how a rule works, what the current figure is, where it came from, and what the next deadline looks like.
How we work
Our articles are built on primary sources such as the Centers for Medicare & Medicaid Services, the Social Security Administration, the IRS and state insurance departments, along with research from organizations such as KFF. Key figures are linked to their source in the text, and the full list of sources is at the end of each article, so anyone can check the numbers. A human editor reads and checks every article before it is published. When an official figure changes, we work to update the article and its date promptly. Our full standards, including how we treat older archive articles, are in our Editorial Policy.
How we make money
The site is free to read and is paid for by advertising: display ads and sponsored search listings supplied by Google. We do not use affiliate links, publish sponsored articles or sell leads. Advertisers have no say in what we cover or how we describe anything. Details are in our Advertising Disclosure.
Who writes here
Our articles are published under two pen names, Margaret Linwood and Ray Castellano. Each covers a defined set of subjects and is held to the same sourcing and correction standards. Whichever name is on an article, a human editor on our team edits it and checks its figures, dates and rules against its sources before it is published. Our bylines claim no professional licenses or credentials. See our Editorial Policy for how bylines work and how corrections are handled.
Margaret Linwood
Margaret Linwood is the pen name for our Medicare and health-costs coverage: Medicare, Social Security, long-term care, life insurance and estates. Every article under this name is edited by a human editor on our team, who checks the figures, dates and rules before publication. The numbers come from CMS, the Social Security Administration and KFF, linked in each article.
Ray Castellano
Ray Castellano is the pen name for our coverage of the bills that come with a house and a car: insurance renewals, escrow, loans, debt and taxes. Every article under this name is edited by a human editor on our team, who checks the figures, dates and rules before publication. The numbers come from the CFPB, the FTC, the IRS and state regulators, linked in each article.
Nothing on this site is financial, legal, tax, insurance or medical advice; see our Disclaimer. Questions and corrections: Contact.