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.
Early Retirement. You can start your Social Security benefits as early as age 62, but your benefit amount will be less than your full retirement benefit. If you take early retirement, your benefits will be reduced based on the number of months you will receive checks before you reach full retirement age. If your full retirement age is 65, the reduction for starting your Social Security is about 20% at age 6-2; 13-1/3% at age 63, and about 6 2/3% at age 64.