Copyright free means just what it says â a copyright free work is not protected by copyright. While you might have to pay a fee to obtain a copy of the work, your use will not be restricted unless youâve agreed that it will be (in an enforceable contract).
With Social Security, you never run out of money. Tom Sightings For many of us â people born between 1943 and 1954 â the regular retirement age is 66. You're eligible for Social Security as early as age 62, but you suffer a penalty if you start then. You can also delay taking benefits until 70, and then you get a bonus.Tom Sightings. The penalty for taking Social Security early is around 7 percent a year, and the bonus for delaying is also about 7 percent a year.If your benefit at age 66 is figured at the average of $1,268 a month, then you'll only receive about $1,180 per month if you sign up at age 65.ith Social Security, you never run out of money. Tom Sightings For many of us â people born between 1943 and 1954 â the regular retirement age is 66. You're eligible for Social Security as early as age 62, but you suffer a penalty if you start then. You can also delay taking benefits until 70, and then you get a bonus.
Apply for Social Security benefits online, at your local office or by phone at 800-772-1213. To collect your full retirement benefits, apply to the Social Security Administration (SSA) three months before you wish to receive your first payment.t what age can I start collecting Social Security benefits? Workers can begin receiving benefits at age 62, but your benefit will be greater if you wait until your full retirement age (currently 66) or later.