Social Security Simplified
1. Being unaware of spousal perks. The Social Security Administration (SSA) looks kindly upon married seniors, allowing them to choose between the higher of two benefits — their own or up to 50% of their spouse’s full retirement amount.
Password protection: How to pick them, remember them, and keep them safe
Most Americans maintain dozens of online accounts — each requiring a password that is strong, memorable, and unique. That’s a tall order. Here’s what you need to know to keep your accounts safe online.