Should I Retire at Age 62 and Collect Social Security? 4
There’s no right time to begin collecting Social Security benefits, but the age at which you begin receiving benefits will affect how much retirement income you have, so you should weigh the consequences carefully. If you collect Social Security before your full retirement age, your benefit will be permanently reduced.
Read More Here
Tech Tips: How Can I Protect Myself From Digital Deception? 5
Imagine that you receive an email with an urgent message asking you to verify your banking information by clicking on a link. Or maybe you get an enticing text message claiming that you’ve won a free vacation to the destination of your choice — all you have to do is click on the link you were sent. In both scenarios, clicking on the link causes you to play right into the hands of a cyber criminal seeking your sensitive information. Just like that, you’re at risk for identity theft because you were tricked by a social engineering scam. Social engineering attacks are a form of digital deception in which cyber criminals psychologically manipulate victims into divulging sensitive information. Take steps to protect yourself from a social engineering scam.
1. Don’t click on suspicious or unfamiliar links in emails, text messages, and instant messaging services. Be sure to look for the secure lock symbol and the letters https: in the address bar of your internet browser.
2. Never download an email attachment unless you can verify that the sender is legitimate.
3. Don’t send money to charities or organizations that request help unless you can follow up directly with the charitable group.
4. Be wary of unsolicited messages. If you get an email, text or phone call that asks you for financial information or passwords, do not reply — delete it.