Between your full retirement age (see chart above), and the age of 70, your Social Security benefits will increase between 3 and 8 percent each year you delay your retirement. For example, for anyone born 1943 and later, their retirement benefits will increase by 8% for each year they delay until the age of 70.nder the Social Security laws, you can begin to receive your retirement payments once you hit the age of 62 (early retirement), at full retirement age (varies by year you were born), or at late retirement age (any age after your full retirement age).
A skin toner, also sometimes called toner, astringent, clarifying lotion or freshener, is a liquid or lotion that is used to wipe or wash the skin, primarily on the face.
4. The use of toners allows you to rest assured that your skin is properly cleansed as it penetrates more deeply than a cleanser and removes dirt, dead skin cells, and impurities from your pores. This, of course, allows your skin to breathe and give it a fresh look. Use the toner after cleansing your skin with the cleanser that suits your skin. If your cleanser is in the form of a leather or requires rinsing then use a towel to dry your face before using the toner. Apply a little amount of toner on a cotton wool and wipe it over the face. Apply a moisturizer to your face when you are done. There are many different types of toners to meet the needs of every skin type.