The exact rules for the social security spousal benefit are anything but clear and easy to understand. We’ve laid out everything you need to know in an easier to understand manner to help you achieve the most that this benefit has to offer.

With all the recent volatility and debt rating downgrades, investors are probably thinking that a downgrade in debt rating leads to huge stock losses. However, a recent study shows, this may not be true.

America is fast joining other countries with extremely high levels of debt that may threaten our economic and financial futures. So what’s an investor to do? Well, as it turns out, there is a lot you can do to help America solve its debt crisis.

There’s a little known strategy that allows investors who converted an IRA to a Roth IRA and their account has since lost value to undo that Roth IRA conversion and get the taxes you originally paid back. In other words, there’s no sense in paying more taxes on an account value that no longer exists.

Mortgage rates are low, and odds are they can’t go much lower. As a homeowner, this means you could be saving thousands by refinancing. If you’re waiting to refinance, don’t. Now is the time to refinance.

The exact day that you can first start taking social security has a lot to do with your birth day. Use the following calculations to determine in what year and exactly when you’ll be eligible to take your first social security payment.