Skylink SC-100 Security System Deluxe Kit

Skylink SC-100 Security System Deluxe Kit




Monday, October 21, 2013

Skylink SC-1000 Complete Wireless Alarm System

Skylink SC-1000 Complete Wireless Alarm System

Skylink SC-1000 Complete Wireless Alarm System, White
Skylink SC-1000 Complete Wireless Alarm System
  • Rolling Code Technology - Leading edge technology
  • Provides maximum security and reduces false alarm
  • Dials up to 9 different numbers of your choice
  • Sends out your personal 40 second message
  • Easy installation

Skylink SC-1000 Complete Wireless Alarm System

  • Skylink SC-1000 Complete Wireless Alarm System, White
Skylink SC-1000 Complete Wireless Alarm System
Part Number     SC-1000Item Weight    4.2 poundsProduct Dimensions    15.1 x 12.6 x 2.5 inchesItem model number    SC-1000Color    WhiteItem Package Quantity    1Batteries Included?    YesBatteries Required?    YesWarranty Description    1 Year Warranty (Repair or Replace)
Skylink SC-1000 Complete Wireless Alarm System
Installed in a remote location, it has been an effective tool in a long distance 'keep an eye on the place'. We are fortunate to have a cabin in the woods three states away. While it actually quite remote, it has electric and internet. The skylink system is a two part security blanket.
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Skylink SC-1000 Complete Wireless Alarm System

Sunday, August 26, 2012

Home Security Essentials - Wireless Home Alarm Systems

Home Security Essentials - Wireless Home Alarm Systems


Your home is your haven. This is your comfort zone where you can take the time off, relax and spend some quality time with your family. Since this is the place where you want to relax, it is just important to keep the privacy of your home and protect it from intruders or invaders. Fortunately, with today's latest technology, you do not have to worry about how to protect your home. There are now many devices that offer protection for your home and Wireless home alarm systems is the most advisable to use.

Home Security Essentials - Wireless Home Alarm Systems

Home Security Essentials - Wireless Home Alarm Systems

Home Security Essentials - Wireless Home Alarm Systems


Home Security Essentials - Wireless Home Alarm Systems



Home Security Essentials - Wireless Home Alarm Systems

Today's Wireless security devices are technologically enhanced. Unlike wired alarm systems, this type of device run on Radio wave frequencies, which will detect motion and instantly transmit it to your control unit. This will then alert the owner of the home about the invasion. This type of device can transmit signals within hundreds of feet.

There are many advantages of using Wireless alarm systems at your home. One of the benefits you can get from this type of alarm system is the obvious fact that it is wireless. Unlike previous hard-wired alarm systems, you do not need to worry about hiding the wires on your alarm system. This is very helpful if you have a large property to protect.

This type of device is also Battery operated. Unlike traditional hard-wired alarm systems that use electrical wires to transmit signals, wireless alarm devices use lithium-Batteries. Homeowners are also notified once the device needs some Battery replacement. And since it is Powered by Batteries, your device is not affected when there is a blackout or Power shortage in your area.

Another good thing about this type of alarm system is it is easier to install as compared to traditional hard-wired devices. With this device, you do not need to run through every entry points in your home to install them. It is very portable and since it can penetrate most walls in your home, you do not have to Drill holes just to install it.

You can also extend your monitoring area with this type of alarms. Since it is wireless, replacement is more flexible and can be extended to different areas including your pool, driveway, and guest house. This is very beneficial to those homeowners with a large area to protect.

This type of alarm system uses only one main control unit. This feature helps you control your device from only one location. If you want to secure all areas of your home, you can definitely benefit from this device.

Furthermore, this type of alarm system can also automatically alert various emergency services, like the police station, once an intruder is detected. With this added feature, you can instantly contact emergency services without having to dial your phone.

Another advantage of using this type of security system is that you can easily upgrade your device without the hassle. With the traditional wired devices, you need to go into every wall on your home and rewire everything. But with wireless devices, you just need to assign new codes to the main control unit of your device.

Home Security Essentials - Wireless Home Alarm Systems

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Thursday, August 16, 2012

Home Security: Most Popular Home Security Gadgets - The Top Four

Home Security: Most Popular Home Security Gadgets - The Top Four


Home burglary is an equal opportunity crime. It knows no bounds to race, creed, political affiliation or gender. You can be rich or you can be poor; you can live in a good neighborhood, a great neighborhood or a slum-it just doesn't make any difference. Home burglars strike anywhere. Home burglary is at the top of the list when it comes to property crimes, mostly because it is so easy to do. Homeowners make it that way by leaving their doors and windows unsecured in well over 50% of all home burglaries.

Home Security: Most Popular Home Security Gadgets - The Top Four

Home Security: Most Popular Home Security Gadgets - The Top Four

Home Security: Most Popular Home Security Gadgets - The Top Four


Home Security: Most Popular Home Security Gadgets - The Top Four



Home Security: Most Popular Home Security Gadgets - The Top Four

That is why the home security industry has become so big, not just because of the security systems but the home security devices that are on the market today. Of all the thousands of products from hundreds of manufacturers available today that are geared towards improving your home security four of them stand out as being the most popular.

Smart burglars "case" a neighborhood for easy targets. They are looking for external signs from homeowners that the home is protected in some way. These are the homes the burglars choose to stay away from. One of those external signs are CCTV warning sticker decals that go on the inside of windows. They read "Warning: These premises are protected by CCTV video surveillance." Aside from a barking dog burglars don't want to mess with surveillance or security cameras. These decals send a signal to the burglar to stay away and even though they seem innocuous they're very good.

The second product is a pack of mini magnetic contacts alarms. These three position home alarms install quickly and can be used on a door or window. When the sensor is broken a 90 dB alarm sounds. It is one of the most effective home alarms in the marketplace today and as a bonus it's less than .

Security cameras are a great deterrent for home burglary. Any burglar or policeman will tell you that. But a lot of people can't afford a regular security camera. So they look for a fake security camera. There is one that is a weatherproof bullet camera that has multiple infrared LEDs. There is a blinking red Light that is on 24/7. It can be used indoors or outdoors. No wiring is needed because it is Battery-operated. It comes with all mounting hardware and uses an authentic CCTV video cable. This is virtually impossible to tell from the real thing.

The fourth home security gadget that works very well is the super doorstop wedge alarm that blocks the door from opening. If someone tries to force their way in, the 125 dB alarm sounds. This is the perfect home security gadget for an apartment, hotel room, dorm room or for your front door.

Those are four of the most popular home security gadgets that can improve your home security and they are inexpensive so there's no reason not to get two or more of them.

Home Security: Most Popular Home Security Gadgets - The Top Four

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Monday, August 6, 2012

Window Security Grill

Window Security Grill


A great way to add security to a home is with a window security grill. Security grills should not be confused with window security bars. Yes, security bars are effective, but they can be an ugly eyesore, as most people feel that they give a home the look of a prison. However, a window security grill (also known as a window security screen) can add effective security while not taking away any of the attractiveness of the home.

Window Security Grill

Window Security Grill

Window Security Grill


Window Security Grill



Window Security Grill

They are made out of a steel mesh that can not be pushed or pulled out of the frame and they are also resistant to cutting. Much like a security steel door, the steel mesh on them is permanently mounted in a heavy duty steel frame. The frame is welded on all four corners and installs over a window using tamper resistant bolts or screws. One side of the grill will be hinged so that it can be opened from the inside of the house. Building codes or fire codes in most cities throughout the Unites States require that no windows be permanently blocked. Because they are designed to keep intruders out, there is a quick release mechanism located on the inside of the security grill that will allow the grill to hinge open in the event of an emergency. This allows occupants to quickly evacuate the home through the window.

Now that the basics of a window security grill are understood, let's cover the window security grills in a little more depth. With several manufacturers offering window grills, the options will vary from the different manufacturers. Window security grills are available from a basic design to more elaborate designs. The basic designs of security window grill will have a steel wire mesh with either a steel or aluminum frame. For the most part, the basic grills are only available in a natural steel finish or white. Some homeowners will opt to install the basic design of the security window grill over windows that are obscured from view. This provides a more economical way to secure a home. The more elaborate designs of a security grill are most often used in the front of the home or any visible window. The material as well as the workmanship of the window grills is what makes them more elaborate. These security grills use a heavy duty steel mesh that is tamper resistant and cant not be cut. The steel mesh is available in several different designs and styles. Besides the steel mesh, the frames are much more appealing as well. The frames are smooth and have an attractive finish. A homeowner can custom order a security window grill in a color that matches the home.

Installing them over vulnerable windows will deter any would be intruder. One look at the window security grills and the intruder will quickly Move on to an easier target. These grills are a great way to protect your valuables and most importantly, they will protect your family.

Window Security Grill

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Thursday, July 26, 2012

Internet Home Alarm Monitoring

Internet Home Alarm Monitoring


There is hope for consumers in your position. Internet technology and broadband connections are changing the world and the alarm industry is changing with it. You can now have a dedicated, completely monitored alarm system that does not use a phone line. This technology allows your system to be monitored directly through your broad band connection, using modified VoIP technology.

Internet Home Alarm Monitoring

Internet Home Alarm Monitoring

Internet Home Alarm Monitoring


Internet Home Alarm Monitoring



Internet Home Alarm Monitoring

What this means for you is that you can get a monitored alarm and not have to pay for a phone line. If you are one of the millions of consumers contemplating doing away with your phone line, but don't want to because of your security system, this technology offers you the means to ditch that extra bill and still have the vital home protection that you want and need.

These systems operate through a modified router that interfaces directly with your Internet connection. These can work with wired or Wireless Internet, too, so don't worry if you are strictly Wireless. An additional benefit for this type of connection is the fact that most monitoring companies using this technology routinely query your connection to make sure that it is active. An inactive response will trigger an event (alarm situation), though no one but you will be notified. This allows you to know that your Internet connection is not operating properly.

For those without wired broadband connections (those using satellite Internet), there are promising developments in this area as well. Once fully complete, these systems will work exactly as the one described above, but will work through your satellite provider, rather than through a traditional ISP. The future of home security is very bright, indeed.

With the number of current monitoring options, new technologies coming to the market and other configuration options, there has never been a better time to take advantage of a home alarm system. With a little research, you can find one that easily meets your requirements, whether you have a land line telephone system or not.

Internet Home Alarm Monitoring

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Saturday, July 14, 2012

Protection Symbols in Magic

Protection Symbols in Magic


Acorns, Elk, Earth Squares, and More

Protection Symbols in Magic

Protection Symbols in Magic

Protection Symbols in Magic


Protection Symbols in Magic



Protection Symbols in Magic

When it comes to magical protection symbols the variety is endless, depending on the magical or shamanic tradition with which you work. For instance, according to the Druids, the symbol of an acorn is said to bring protection into a Druidic symbol. Certain Native American tribes use the symbol of the Elk as protection against psychic spirits. Earth religionists often reply upon the Earth Square (a cross within a square) to draw on protection energies from the four directions of the earth. Needless to say, when it comes to picking protection symbols the variety can seem overwhelming.

Guidelines for Choosing the Right Protection Symbol

It's not possible to review every magical symbol out there but here are a few guidelines you can follow when choosing protection symbols to use in your magical practice.

1. The protection symbols should come from a fully-working and complete system that has a history of success, such as the Tarot deck (we use the Waite-Rider deck), the Futhark Runes, or a specific tribal tradition.

2. Your chosen protection symbols should relate to the areas you want to protect. For instance, if you want to protect something large and physical, such as your property, you would want to choose a protection symbol like the Disc (a star surrounded by a circle) or the symbol of three mountains. Both of these symbols relate to anything on the physical plane. If you wanted to protect and nourish your Spirit, you would want to choose a symbol like the Sun from the Tarot. In the Tarot the Sun card nourishes and protects the Spirit.

3. Put your protection symbols where they can do their job. For personal protection, many people wear their protection symbols as amulets, rings, or earrings. For protecting your property, your can put the symbol up around your property or just at the entry points, such as over the doors. For protecting people far away, you can put the person's picture on a keyed plate and put the protection symbol on the plate with the picture.

Finding Out If You Have the Right Protection Symbol

Choosing protection symbols to use for various magical purposes can take some real thought and research. If you are not sure whether a protection symbol is right for your needs you can always use your pendulum to test it. If you are trying to choose between different protection symbols, you can lay them all out in front of you on a keyed plate and let your pendulum show you which ones will be the best for your needs. Last, but not least, if you start using some protection symbols and they don't seem to be working, go back and do some research and choose some different ones to try. Remember, magic is always an experiment in progress. While you may not get everything right the first time around, remember that you can always go back and fix something that is not working.

Protection Symbols in Magic

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Wednesday, July 4, 2012

Keeping Your Home Safe With Home Security Lighting

Keeping Your Home Safe With Home Security Lighting


Many people go to great lengths to keep their home safe. They usually start with the installation of deadbolt locks, and locking devices for their windows. They might even have a professionally installed and monitored home security system. These are excellent tools and the well-protected home will probably have these sorts of home safety measures, as well as others. One of the most practical (and often overlooked) methods of keeping your home safe is with home security Lighting.

Keeping Your Home Safe With Home Security Lighting

Keeping Your Home Safe With Home Security Lighting

Keeping Your Home Safe With Home Security Lighting


Keeping Your Home Safe With Home Security Lighting



Keeping Your Home Safe With Home Security Lighting

Home security Lighting can take many different forms. Some people choose to keep their homes safe by using a "dusk to dawn" technique. This simply means that they have a variety of Lighting around their home that is on at all times. This sort of home security Lighting technique works by discouraging burglars from approaching the home as most homes are broken into when no one is home. A light that is turned on inside the home give the appearance that the home is occupied. The weakness of this sort of home security lighting is that the energy costs can become quite high, and an always-on approach doesn't provide any alert to neighbors that there is a home intrusion.

A second way to keep your home safe with home security lighting is through the use of motion-activated flood Lights. These sorts of home security Lights operate using motion sensors, turning the light on when they detect motion, and turning the light off after a few minutes. These lights can alert neighbors, without having those high energy costs. In addition, the sudden brightness will often surprise a potential burglar, who is then more likely to leave the premises.

A final sort of method that people have used in order to keep their home safe with home security lighting combines both of these techniques. Some forms of security lights will stay on at a lower Power, perhaps a quarter of their full brightness. When they detect Movement, they increase in intensity, again bringing the spotlight on a potential intruder or burglar. This sort of combination home security lighting setup is sometimes known as "hi-lo" security lighting. Exterior lighting is also available that will be off completely during the day and operate at low intensity until motion is detected.

It is obvious that we would all like to come home to a well lit home when arriving after dusk. Nobody likes to wonder what kinds of monsters lurk in the shadows outside their home. A well lit security solution will not only make you safer, it will give you added comfort and peace around your own home. Determine which home security lighting solution works best for you and add to your level of security and safety.

Keeping Your Home Safe With Home Security Lighting

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Friday, June 22, 2012

10 Best Hiding Spots For the Valuables in Your Home

10 Best Hiding Spots For the Valuables in Your Home


Hiding your money and other valuables under your pillow or mattress will not protect them from a thief. There are options besides a bank's safety deposit box, which by the way, may not be as safe as you think. You can either hide your loot in secret places within your home OR you can hide your stuff in diversion safes. There are ten main areas that can double as hiding spots for your valuables.
 
BEAMS
 
ReMove an unnecessary "support" beam and hollow an opening at the top or backside. Before beginning this project, confirm that the beam is not a true support beam or you could wreak havoc!
 
WALLS
 
Hollow walls provide tons of hidden storage in every room. Choose spots that are not exposed, such as walls behind your headboard, large pieces of furniture, etc. Use your imagination when camouflaging the area; for double security, hang artwork or a heavy mirror, or create an architectural niche in the area. If you have paneling or wooden walls, don't use this hiding place for heavy items that are not secured because they could break through or cause a slump in the paneling.
 
STAIRWAY
 
You can renovate an existing stairway to make a very small room underneath it. This could also be used to hide yourself if your home is invaded.
 
BASEBOARDS
 
ReMove a small section of baseboard; hollow the area needed to store your valuables and replace the baseboard.
 
INTERIOR DOORS
 
You can make a large hiding place in the hollow of an interior door; camouflage it with fancy molding or simply mount a mirror covering the compartment.
 
FURNITURE
 
Build secret drawers. ReMove molding and create a hollow. Remove stationary drawer fronts in cabinetry and attach secret containers to the backsides of the drawer fronts.
 
BOOKCASES
 
Beneath the lowest shelf in most bookcases, you have a few inches of dead space that is protected by molding. Remove that shelf and use the large space to store items; you may wish to attach the valuables to the underside of the shelf by nailing a box or by using magnets and an attached magnetic strip.
 
Light SWITCH
 
Remove an electric outlet plate or Light switch (after turning off the electricity). Store small valuables within the box or create a box nearby that you can access from behind the plate.
 
HOUSEPLANTS
 
If you already have many indoor plants, create a hiding spot in the base of a plant container. Place the money or other valuables in a sealed plastic bag to protect from water damage.
 
BACKYARD
 
Bury your valuables underground. Make a map of the exact location of your buried treasure and keep it with your important papers in a safe or other locked place that a thief can't access.
 
For guaranteed security, when hiding your valuables in your home, strive for excellence in the camouflaging of your secret places and never tell anyone where the hiding places are located! If you don't want to go through the extra effort and time to create these hiding places, then a diversion safe might be the perfect hiding place for your valuables.

10 Best Hiding Spots For the Valuables in Your Home

10 Best Hiding Spots For the Valuables in Your Home

10 Best Hiding Spots For the Valuables in Your Home


10 Best Hiding Spots For the Valuables in Your Home



10 Best Hiding Spots For the Valuables in Your Home 10 Best Hiding Spots For the Valuables in Your Home

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Tuesday, June 12, 2012

Hotel Security

Hotel Security


Today, more than ever, hotel security has grown to encompass more than just emergency and evacuation plans, a stern visit to a rowdy room, or a security guard at the hotel's entrance. Like all other large facilities in a post 9/11 world, hotels must protect themselves and their guests against terrorists looking for a high-throughput environment that would draw media and public attention in the case that an event transpires there.

Hotel Security

Hotel Security

Hotel Security


Hotel Security



Hotel Security

The connotations of contemporary threats translate into several crucial aspects regarding hotel security. First, the risk assessment is no longer an option for hotels, but rather a necessary tool. Secondly, the security manager and his or her team must be professionally trained and qualified to deal with today's contemporary hotel security threats. Third, hotels benefit from joining an industry organization whereby they can be kept abreast of measures that their competitors are taking in terms of hotel security. Finally, hotels must have an orderly system in place whereby they are periodically updated about the local and/or national security warning level by law-enforcement bodies.

In the case that a hotel is not mandated to undergo a hotel security risk assessment by local or national authorities, it must take this responsibility upon itself. That is, a professional risk assessment will help a hotel identify its assets, the potential threats to those assets, and the magnitude of losses in the event that the threat manifests. Finally, and perhaps most importantly, a risk assessment will draw conclusions and provide workable recommendations and countermeasures to be implemented by the hotel management. Although a professional risk assessment prevents a formidable investment for the hotel itself, it is the most imperative investment that the entity can make.

Most hotels have a security manager or chief of hotel security operations who is responsible for a crew of security guards. Today's managers and their teams must be professionally trained and educated regarding modern threats that face the hotel security industry. In addition to knowing how to properly monitor security technologies such as CCTV, access-control and other integrated hotel security systems, today's hotel security [http://www.thepsos.com/hotels] managers and officers must be trained in identifying suspicious behaviors, interpreting body language and cris-response intervention.

Thirdly, many countries or states have collective hotel associations that provide a supportive community network for local hotels. Some examples include the IH&RA ( International Hotel & Restaurant Association ), the AH&LA (American Hotel and Lodging Association), the EHMA (European Hotel Managers Association) and the IHA (Israeli Hotel Association). These fraternal organizations are the ideal platform for hotels to gain support in regards to how their counterparts are providing services to their clients.

Finally, hotels must have an orderly system in place whereby they are periodically updated about the local and/or national security warning level by law-enforcement bodies. Many national and/or local law enforcement bodies make this aspect of hotel security a requirement. That is, the hotels in a given area must be willing to have a consistent flow of dialogue between police or state security forces, and themselves. Through updates, and even set standards, these hotels will be better equipped to provide the best to their guests.

Hotel Security

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Friday, June 1, 2012

Understanding Social Security Retirement Benefits

Understanding Social Security Retirement Benefits


Each day I receive more and more questions from my baby boomer clients who are confused about Social Security benefits and taxation. Social Security benefits come in three flavors: Retirement benefits, survivor benefits and disability benefits. The questions I receive primarily involve questions regarding the retirement benefits area. With 365 baby boomers turning 62 each hour, since January 1st 2008, I have no doubt that the frequency and diversity of these questions will grow. Fortunately, most of the questions are very similar and I will address, in this article, the most common issues I am regularly confronted with.

Understanding Social Security Retirement Benefits

Understanding Social Security Retirement Benefits

Understanding Social Security Retirement Benefits


Understanding Social Security Retirement Benefits



Understanding Social Security Retirement Benefits

When can I retire and collect benefits?
You have three choices as to when you can begin collecting retirement benefits:
Age 62 or
Normal Retirement Age or
Later than Normal Retirement Age

Normal Retirement Age refers to the age you need to be in order to receive your Primary Insurance Amount ("PIA"). PIA is the full, normal retirement benefit you are entitled to. When you retire early (i.e. at age 62), your full retirement benefit is reduced to an amount equal to 75%. This means if you retire at age 62 you will receive 75% of what you would normally receive if you waited until you hit your normal retirement age. If you retire later than your Normal Retirement Age, your future retirement benefits grow by 8% per year until you reach age 70. After age 70 the Social Security Administration will not increase your benefit amount one red penny.

Normal retirement age varies according to your year of birth:
Born 1937 and earlier = 65
Born in 1938 = 65 + 2 months
Born in 1939 = 65 + 4 months
Born in 1940 = 65 + 6 months
Born in 1941 = 65 + 8 months
Born in 1942 = 65 + 10 months
Born in 1943 to 1954 = 66
Born in 1955 = 66 + 2 months
Born in 1956 = 66 + 4 months
Born in 1957 = 66 + 6 months
Born in 1958 = 66 + 8 months
Born in 1959 = 66 + 10 months
Born in 1960 and later = 67

How are my Social Security retirement benefits determined?
The calculation of retirement benefits is based on earnings over a forty year period. The lowest five years are dropped and the remaining earnings are averaged over this thirty-five year period.

Am I eligible to collect Social Security retirement benefits? I did not work that much during my life.
In order to qualify for Social Security retirement benefits you need to have worked forty quarters and earned a specified minimum amount during each quarter, in order for the quarter to qualify. A quarter is a three month period.

My wife was a homemaker and has never worked. Is she eligible for any Social Security retirement benefits?
If a spouse did not work they are still eligible for Social Security benefits equal to 50% of their working spouse's PIA (full retirement amount). When the working spouse dies, the surviving, nonworking spouse, is entitled to 100% of their deceased working spouse's retirement benefits.

Should I begin collecting benefits at age 62 (early retirement)?
If you are hell-bent on early retirement and need the retirement benefits to survive, then the answer is an obvious yes. If you do not need the benefits to survive and there is longevity in your family, then waiting until full retirement age is probably the best option as your increased benefits will begin paying off after age seventy-six.

What if I retire early, collect retirement benefits at age 62, and soon after realize I need to work because I am not making ends meet?
In this case the amount of earnings you make during the year cannot exceed ,160 (2009). If your earnings exceed this amount you will be required to pay back one dollar in Social Security retirement benefits for every two dollars of earnings that exceed this ,160 (2009) amount. You can find yourself in a financial mess when this happens so you must consult your CPA if you are thinking of returning to the workforce, even part-time.

I am divorced and I did not work much during my life. Am I eligible for Social Security benefits?
A divorced spouse who does not meet the forty quarter minimum requirement and who was married for ten years to the same spouse, is entitled to 50% of their ex-spouse's PIA (full retirement benefit) if they wait until their full retirement age. If they want to collect at age 62, then they are eligible for 37.5 % of their ex-spouse's PIA (full retirement benefit).

When should I apply for retirement benefits?
The earliest you can apply for benefits is three months prior to turning age 62.

I never worked but want to apply for early retirement benefits (age 62) on my husband's account. My husband says he is going to continue working. Is this a problem?
Yes. Generally, a spouse cannot collect on their spouse's account until their spouse begins collecting. There is an exception, however. The working spouse can "file and suspend" (apply for Social Security benefits and then immediately apply to suspend collecting benefits).

I intend on applying for early retirement (age 62) but I will work part-time. Do I have to pay Social Security tax on my earnings?
Yes. Everyone who works, even those collecting Social Security benefits, must pay Social Security tax on their earnings.

How much of my Social Security benefits will be taxed?
The maximum amount of your benefits subject to income tax is 85%. It may be lower, depending on your Modified Adjusted Gross Income.

Understanding Social Security Retirement Benefits

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