Windows Defender is built into Windows 8. It helps protect and clean your PC from malware such as viruses, trojans, and worms. It also helps protect against potentially unwanted software, such as adware. If your computer is running Windows 7 or earlier, you can download and use Microsoft Security Essentials. You canât use Microsoft Security Essentials and Windows Defender at the same time, but you donât need to - they both protect your PC from malware and other threats in exactly the same way.
The age at which you can start receiving full Social Security retirement benefits is a moving target and depends on your birth year (see table below). You can elect to take benefits as early as age 62 (earlier only if you are a survivor or on disability), or wait as late as 70.
The earliest you can apply for Social Security retirement is three months before you turn age 62 to receive your first check in the month you become 62 years old. When you apply for Social Security after age 62, you can designate the month you want benefits to begin from the current month up to four months in the future. Social Security benefits are paid in the month after they are earned, so if you elect to start your retirement benefits for the current month, the first check will arrive next month. As a result, you can delay applying for Social Security on a month-to-month basis until the month before you want to get your first payment.