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.
It's relatively unusual to claim Social Security payments at age 63. Only 8 percent of women and 7 percent of men sign up for Social Security at this age, according to CRR. Monthly Social Security payments are reduced if you sign up at age 63, but by less than if you claim payments at age 62. A worker eligible for $1,000 monthly at age 66 would get $800 per month at age 63, a 20 percent pay cut. If your full retirement age is 67 you will get 25 percent less by signing up at age 63.