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.
For each birth year after 1954, the retirement age rises by two months, so if you were born in 1959, your full retirement age is 66 and 10 months. You can collect a Social Security retirement benefit starting at age 62, but it will be 30 percent lower than if you waited until age 66.Persons born in 1960 and later must wait until age 67 to collect their full retirement benefit.t that age you can start withdrawals from your 401(k) or IRA without penalty, although you must pay income taxes on the withdrawals. You must start drawing money from the accounts when you reach age 70 Â½.