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.
If you start collecting Social Security benefits before your full retirement age, your benefits will be reduced depending on how early you claim them. If your full retirement age is 65 and you start receiving Social Security benefits at age 62, your monthly benefit will be decreased by 20 percent, according to the SSA. If your full retirement age is 67 and you start collecting Social Security at 62, your monthly benefit will be reduced by approximately 30 percent.