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.
Social Security retirement benefits can be collected as early as age 62 or as late as age 70. Full retirement age depends on your birthday, but for boomers now starting to retire, the full retirement age is 66. If you receive benefits before you reach full retirement age, your benefit will be reduced by up to 25%.efore you apply for benefits, itâs important to determine the best time to apply. Social Security makes up approximately 40% of the average Americanâs retirement income so itâs important to make the best decision for you and your family.