Know your plastic
A: If you were married to your ex-husband for at least 10 years, you can claim spousal benefits based on your ex's record as long as you're single now and the benefit to which you're entitled based on your own work history is less than the spousal benefit.
Even if your former husband hasn't applied for or suspended his own benefits, you can claim spousal benefits if your ex is 62 or older and you've been divorced for at
You probably know that your credit card comes with an interest rate, a limit on how much you can spend and a minimum amount that you must pay each month. But if you're not familiar with the nuts and bolts of each card component, brushing up can save you money.
If you don't pay your statement balance in full by the payment due date, you'll accrue interest on the unpaid amount. Most credit cards have a variable rate, typically composed of the prime rate plus a “margin” of a set number of percentage points. Each time the Federal Reserve changes the federal funds rate, the prime rate moves in tandem.
Most cards offer an interest-free window on purchases between the time a billing cycle ends and the payment due date. The grace period must last at least 21 days. If you're planning to make a large purchase, consider doing so near the beginning of the billing cycle —that gives you nearly two months to pay it off without interest. If you're carrying a balance from month to month, the grace period disappears, and interest accrues immediately on new purchases.