A mutation is a change that occurs in our DNA sequence, either due to mistakes when the DNA is copied or as the result of environmental factors such as UV light and cigarette smoke.
If you were born in 1929 or later, you need to work at least 10 years to become eligible for Social Security. The SSA determines eligibility with a system of credits. Basically, you earn up to four credits for every year worked, and you need a total of 40 credits to qualify for Social Security.
1. Patience pays off. The longer you wait, the bigger the check. You can start collecting Social Security as early as age 62. If you do, however, you could suffer a reduction in benefits of 25% or more for the rest of your life.And if you continue to work, you could run up against the earnings cap, which in 2010 dings you $1 in benefits for every $2 you earn over $14,160.et a bonus. If you wait until age 70 you can collect even more, thanks to the delayed-retirement credit, which is worth 8% a year. Say your normal retirement age is 66 and at that age you'd collect $1,000 a month. If you wait until you're a septuagenarian, your check would grow to $1,320 -- a full 32% more.