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(1)

Partnership

Age

R e t i r e m e n t S p e c i a l i s t s

Compare the routes to

taking your pension income

(2)

We can help you convert your pension savings

into an

income

Contents

Page 1 Our Pension Income Service

Page 2 Your options

Page 4 Pension Annuities

Page 6 Pension Drawdown

Page 8 Fixed-Term Annuities

Page 10 Our SelfSelect Service

Page 11 Financial Advice

Page 13 Other ways to fund retirement

Page 15 Why choose Age Partnership?

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Our Pension Income Service

When it comes to planning your pension income there can

be a lot to consider, with changes in regulation meaning that you now have more choices than ever before. But whether you know a little or a lot about the ways in which you can access your pension savings, Age Partnership’s Pension Income Service is here to help.

To help you make the most of the new freedoms, our new

SelfSelectservice has been launched to put you in the driving seat. Through this service, we provide you with all of the guidance and information you need to make your own decision about how best to take your pension income.

Our SelfSelectPension Income Specialists will help you understand the benefits and drawbacks of each option, whether you are looking for the security of a guaranteed income for the rest of your life, or you would prefer a more flexible solution, giving you greater control over your money and how it is invested.

We also have a team of qualified Financial Advisors who would be happy to help by providing a comprehensive written recommendation, without any obligation, on the

best route to take for those who are not comfortable making their own decisions through our SelfSelect

service.

We also recommend that you consult the Government’s Pension Wise website (www.pensionwise.gov.uk) to help you further understand your pension-income options. However you choose to proceed, with Age Partnership you can expect to receive great value and outstanding service. Couple this with clear and simple explanations in plain English to help you make sense of your options and

achieve the very best outcome. “I found Age Partnership’s service very helpful, they guided me through the

whole process, explaining everything in detail, making it easier to make the choices that are right for me.”

Mr Etheridge Yorkshire

Rated ‘Exceptional’ by our customers

“There is no doubt Age Partnership is

fully deserving of our highest award

as their scores at all levels were truly

remarkable.”

Neil Craig

Founder, Investor in Customers

1

Partnership

Age

R e t i r e m e n t S p e c i a l i s t s

To discuss your pension-income options, call us today on

Freephone 0800 975 5151

(4)

Your Options

We have a team of qualified, specialist Financial Advisors for those who would prefer someone to review their individual circumstances and research their existing pension scheme, before making a personal recommendation about which

pension-income option is best for them. They have access to the above options, plus further solutions that aim to meet your pension income needs.

There are a number of ways you can choose to access your pension savings.

Take a look below to see what Age Partnership can offer:

May be right for you if:

You want the security of a guaranteed income that will

be paid to you for life - no matter how long you live.

You qualify for an enhanced income, based on health

and lifestyle.

You want the option to be able to provide a guaranteed

income for a spouse or partner when you pass away.

You don’t like investment risk.

Your situation is unlikely to change.

SelfSelect

Pension Drawdown - flexible access with potential for growth

> turn to page 6

With pension drawdown your savings remain invested and you can then take an income

directly from them in instalments, which means that your income is very flexible.

The value of your savings is linked to the performance of your investments, therefore it has

the potential to increase but also decrease.

2

With our new

SelfSelect

Drawdown service,

you can choose from a range of five carefully selected investment options, each offering a

different level of potential investment return and associated investment risk.

You can also choose to access 25% of your pension savings as a tax-free withdrawal if you

wish.

1

May be right for you if:

You want control over when to start or stop, increase or

decrease your income.

You want to choose where your money is invested.

You want to keep your options open in the future to

choose another income option.

You wish to protect your pension savings for your

beneficiaries when you pass away.

You want to access your tax-free cash now, with or

without taking an income.

Financial Advice >

turn to page 11

SelfSelect

Pension Annuity – a guaranteed pension income for life

> turn to page 4

A pension annuity pays you a guaranteed income for the rest of your life, regardless of how

long you live. The amount you receive will depend on a number of choices, such as whether

you want the income to remain the same or increase over time, and whether you want some

or all of the income to continue for a spouse or partner after your death.

You can also choose to access 25% of your pension savings as a tax-free lump sum withdrawal

if you wish.

1

If there are any health or lifestyle factors that may impact your life expectancy, you are likely to

qualify for an increase in the income you will receive. This is known as an enhanced annuity.

(5)

3

SelfSelect

Fixed-Term Annuity – security now with flexibility in the future

> turn to page 8

Fixed-term annuities guarantee an income for a fixed period, generally between 3 and 25

years.

After that time, you will have a fund available to use as you wish. The size of this fund

depends upon the income you chose during the fixed-term and will be guaranteed from

the start.

3

You can also choose to access 25% of your pension savings as a tax-free lump sum

withdrawal if you wish.

1

We have a team of qualified, specialist Financial Advisors for those who would prefer someone to review their individual circumstances and research their existing pension scheme, before making a personal recommendation about which

pension-income option is best for them. They have access to the above options, plus further solutions that aim to meet your pension income needs.

May be right for you if:

You want to delay a lifetime decision on a pension

annuity.

You want to access your tax-free cash now, with or

without taking an income.

You expect your circumstances or annuity rates to change.

You wish to protect your pension savings for your

beneficiaries when you pass away.

You want to keep your options open in the future to

choose another income option.

Pension Withdrawal

When you first decide to access your pension savings you can choose to take some, or all,

of your fund as a cash lump sum, or a series of withdrawals (known as UFPLS) from your

existing provider.

4

25% of any withdrawal will be tax-free with the remaining 75% being taxed as income,

which means depending on the size of the pension pot, the withdrawal and any other

income you are being paid, there could be a large tax bill to pay.

Some pension providers may not yet be in a position to allow you to access your savings in

this way, however Age Partnership may be able to help you with this. Depending on how

you choose to take your savings you may be able to reduce or even avoid a tax bill being

generated.

May be right for you if:

You have alternative sources of income or savings which

can help you to fund your retirement.

You have existing expensive debts that require a

lump-sum to pay them off.

You believe you may need the ability to dip in and out of

your savings at irregular points of time in the future.

All of the information that we provide is based on our understanding of current tax and pension rules, which can change.

1

You may be able to take more or less than 25% tax-free cash depending on your individual circumstances. Taking tax-free cash from your fund will reduce the amount available to purchase your income which could in turn reduce your

income.

2

There is no guarantee of a fund performance meeting future income needs.

3

There are no guarantees of the income this will provide at the end of the term as this will depend on economic and investment conditions at that time.

4

By taking a lump sum withdrawal your fund will reduce and the amount of money you have to turn into a future income will

(6)

Pension Annuities

Just because you no longer have to buy an annuity, doesn’t mean that you shouldn’t consider one. In fact, a pension annuity is still the only way to turn your pension savings into a regular, guaranteed income for life, for you and, if required, a spouse. The income you receive is determined at the outset and will continue to be paid regardless of how long you live.

As a result, the longer you live, the more value you will get from an annuity. Many people choose this option due to the peace of mind that comes from knowing that their pension income will not run out before they pass away.

There are a number of choices to make when buying an annuity, each of which will impact on the income that you receive. These include:

Do you want your income to continue for a spouse if you were to die first?

Do you want to protect your fund for beneficiaries in case you die after buying your annuity?

Do you want your income to increase over time to protect you against the rising cost of living?

Once you have purchased your annuity you cannot typically change your mind or cancel it once the cancellation period is over, so whilst it’s possible that your pension provider may offer you an annuity of their own, it’s vital that you shop around to get the best deal.

(7)

A

guaranteed, lifetime

income

Partnership

Age

R e t i r e m e n t S p e c i a l i s t s

For your no-obligation quotation, call

Freephone 0800 975 5151

or visit

www.agepartnership.co.uk/annuity

Like to research online?

Compare rates now by visiting

www.agepartnership.co.uk/annuity

As a result, we are able to offer a Best Rate Guarantee, whereby we’ll pay you £100 if you find an annuity income elsewhere that we are unable to beat2.

Pension Annuities in summary

✓ Guaranteed income for life, no matter how long you live

✓ Security of a regular and known income amount

✗ Cannot be cancelled once set-up

✗ Cannot be inherited – unless specified, it won’t be paid to any beneficiaries in the event of your death

5

SelfSelect

Pension Annuities

To help you decide upon the annuity options you would like to include, our SelfSelect Annuity service gives you all the facts and figures along with a guarantee that you won’t find a better rate elsewhere.

What’s more, we can find you the best possible pension annuity income deal by focusing on two key areas: Understanding the health and lifestyle factors that can entitle you to an increased annuity income, potentially as much as 40% more¹.

Comparing annuity rates from the whole of the market, so you can access the very best deal.

¹The Money Advice Service, 2014. 2 For full terms and conditions of the Best Rate Guarantee visit

www.agepartnership.co.uk/guarantee or call for more details.

We compare annuity rates

from the whole of the market

(8)

Pension Drawdown

When it comes to taking an income from your pension savings, pension drawdown is considered one of the most flexible methods. You can take control, as there are no limits to the amount that you can withdraw or when you can take it.

However, drawdown won’t always be right for everybody. As your pension savings remain invested, there is the potential for them to grow in value and so you can continue to take a higher income. However, the value of your pension fund could fall if underlying investments do not perform as expected. This means that there is a chance that your fund could run out during your lifetime if you take your income too quickly. It’s also important to remember that you will have to pay income tax on any withdrawals you make from your fund too.

Along with the potential for growth and flexibility, pension drawdown does offer particular benefits upon your death, with any money remaining in your fund able to be passed on to beneficiaries. What’s more, the previous 55% tax rate paid by your beneficiaries, if they inherit your pension fund, has now been abolished by the government1.

In addition, pension drawdown offers you the flexibility to choose another pension-income option, such as a pension annuity, at any time.

1For some, a level of tax may still be applicable depending on the age

at which you die and how your beneficiaries choose to access any remaining pension savings.

(9)

“I am really impressed and highly recommend their services. Thank you Age Partnership.”

Mr Craghill Cheshire

Partnership

Age

R e t i r e m e n t S p e c i a l i s t s

For your no-obligation illustration, call

Freephone 0800 975 5151

or visit

www.agepartnership.co.uk/drawdown

Flexible access

with potential for growth

7

Bring one or more pension funds together

for convenience and flexible access Pension Drawdown with no restrictionsFlexible access Subject to any income tax

How does this plan work?

Take up to 25% tax-free

SelfSelect

Pension Drawdown

There are thousands of potential investment funds available, however we believe that some people want access to a simple service that is flexible and great value for money, with peace of mind that their money is being managed intelligently and responsibly.

Therefore, we have selected five investment options for you to choose from on a SelfSelect basis; each offer a different level of potential return in exchange for a differing level of investment risk.

The funds range for those who want the flexibility of pension drawdown without the investment performance risk typically associated with it, to those who have the desire and means to accept a higher level of investment risk in order to pursue higher returns.

We’re so confident that you will be completely satisfied, that if you choose to transfer your pension savings to another pension drawdown provider at any time in the future, we’ll pay you £100.¹

Pension Drawdown in summary

✓ Very flexible – ability to change income levels and investment funds

✓ Potential for your pension savings and income to grow

✗ Value of pension savings and income could fall or even run out during your lifetime

✗ Typically cost more to run than a pension annuity

¹For full terms and conditions, please visit www.agepartnership.co.uk/serviceguarantee or call us to learn more.

(10)

Fixed-Term Annuities

A fixed-term annuity provides you with a regular income for a fixed period, generally between 3 and 25 years. The value of the fund that you do not take out as income will become your guaranteed maturity value. At the end of the fixed period, you will be able to use this guaranteed maturity value to select another pension-income option. These plans offer a combination of security, as you know how much you will be receiving over the course of the plan, and flexibility, as you have control over what to do with your fund once the term ends. You will also make choices such as whether or not you want the income to continue for a spouse in the event that you were to die first. Based on these factors, your guaranteed maturity amount will be calculated.

However, with this flexibility comes some risk in that you may not be able to secure the same level of income from your pension savings at the end of the term as you would have done at the start. For example, if you had chosen to take a higher income than an annuity could provide, or annuity rates fall lower than they were when you started the fixed-term.

(11)

Partnership

Age

R e t i r e m e n t S p e c i a l i s t s

“The Age Partnership staff were very friendly yet very professional and kept me fully informed at every stage of the process.”

Mr Wagstaff Yorkshire

To learn more, speak to a Specialist on

Freephone 0800 975 5151

or visit

www.agepartnership.co.uk/fixed-term-annuity

Security now

with

flexibility

in the future

9

Pe ns io n fu

nd Invest in a fixed-term annuity

Take up to 25% as a tax-free lump sum at the start

Receive a guaranteed regular income, with a term between 3 and 25 years

Time

How does this plan work?

Use your guaranteed maturity amount to choose another income option

Fixed-Term Annuities in summary

✓ Security of a regular income amount for a fixed period plus modest growth on your fund after any income is taken

✓ No commitment to a lifetime deal – flexibility to choose another option after the term

✗ It’s not known what income you will be able to secure once the fixed-term is over

✗ If you’re delaying a lifetime decision as you expect your circumstances or market conditions to change, those changes may not occur during the fixed-term

SelfSelect

Fixed-Term Annuities

Our service allows you to compare the fixed-term annuities offered by a range of leading providers. We can take you through the range of features on offer and provide you with information to help you choose:

The length of the term you opt for.

The level of income that you choose – the more you take, the less you will have available at the end of the term.

Once you’ve made these decisions, we’ll be able to give you the guaranteed maturity amount on offer from each provider so that you can compare all of your options like-for-like before you make a decision.

(12)

“I cannot praise Age Partnership enough, the most efficient financial services company I have ever had the pleasure of dealing with. I will certainly recommend others to use their services.”

Mr Adams Surrey

Learn more about our

SelfSelect

Service, call

Freephone 0800 975 5151

Which service is right for me?

Benefits of our

SelfSelect

Service

✓ We’re here to help you to understand the options available to you.

✓ You’ll have access to a range of pension-income options from across the market.

✓ We talk to you in plain English to make sure you understand all of your options.

✓ You will be assigned a dedicated Specialist who specialises in the pension income market.

✓ We will provide personalised illustrations without obligation, giving you all of the facts and figures so you can consider your pension-income options in your own time.

✓ Because you are making your own decisions, the cost of setting up your income could be lower than if you were to take financial advice.

Our

SelfSelect

Service

Our SelfSelect Service aims to help make choosing your pension-income option as simple as possible. We hope to show you that accessing your pension savings doesn’t need to be either mind boggling or time consuming.

Our specialists can provide you with information about the solutions available through our service to help you decide on the best way forward. They will answer any questions you have and provide you with a pension-income report, complete with all of the facts and figures relating to the pension-income options you are interested in.

As our SelfSelect Service lets you decide on how best to take your pension income, without receiving a

recommendation from a Financial Advisor, you may hear this referred to as a “non-advised” service.

(13)

Partnership

Age

R e t i r e m e n t S p e c i a l i s t s

Learn more about Financial Advice, call

Freephone 0800 975 5151

or visit

www.agepartnership.co.uk/advice

11

Benefits of Financial Advice

✓ A full review and help to understand your existing pension arrangements so that you can be sure you

don’t lose out on any valuable benefits that you may

want to keep.

Access to a wider range of solutions from across the whole of the market and the ability to deal with more complicated pension-income arrangements.

A dedicated Financial Advisor who is qualified and experienced in the pension income market.

✓ We will work with you to ensure your income needs are planned for both you, and any dependents, for the whole of your retirement.

✓ You’ll have access to a wider range of investment options than is available through our SelfSelect Service.

✓ We’re impartial so we don’t have bias to any particular solution – just what is right for you.

We can ensure that you have the most tax-efficient

solution for your personal circumstances.

✓ You will receive a plain English recommendation for a tailored financial solution to suit your individual needs.

Financial Advice

It’s the job of our Financial Advisors to assess your plans for retirement, taking into account your personal and financial situation, before recommending the best solution for you. This could help you with early retirement, or simply to achieve a better income for you in your later years. Professionally qualified and with experience in the retirement market, our advisors will take the time to research your existing pension scheme, before assessing your situation and making their recommendation to you. They will take into account your attitude towards investment risk as well as talking through your needs and aspirations in retirement.

Through this process you will be assigned your own Financial Advisor, who will talk to you in plain English and answer any questions you have, making sure you

understand your options and our recommendation. We will guide you through all the paperwork and complete as much as we can for you.

“During my conversations with the well informed staff members of Age Partnership, I always felt comfortable that I was given the best advice to suit my requirements. Highly

recommended.”

Mr Crowther Buckinghamshire

(14)

Age Partnership can help you

to enjoy your retirement

(15)

Partnership

Age

R e t i r e m e n t S p e c i a l i s t s

To learn more about equity release, call

Freephone 08080 555 500

or visit

www.agepartnership.co.uk/calculator

Other ways to fund your retirement

13

Literally thousands of people just like you are enjoying the benefits that equity release offers. You could pay off your mortgage or use this money for almost anything, from topping up your income to making a one off special purchase.

An equity-release plan is a popular way to do this, without having to move home. You could access a lump sum or take a regular income and with most plans there are no monthly repayments to make. With a lifetime mortgage, the most popular form of equity release, you also continue to maintain 100% home ownership.

In addition to our pension income service, Age Partnership offers a multi-award-winning, independent equity-release advisory service. For more information or for a free guide, call Freephone 08080 555 500.

Using your home – downsizing

Another way to release equity from your home is to downsize. You could choose to stay on the property ladder or move into rented accommodation or a park home. In addition to freeing up equity, downsizing provides further benefits:

State Pension

Most people will receive a State Pension when they reach the State Pension age. This is paid by the government and whether you’re eligible and how much you receive depends on your circumstances.

Currently, the State Pension age is 65 for men and between 60 and 65 for women, depending on when you were born. This will continue to rise for both men and women and by 2020, the State Pension age for both will reach 66. If you’re nearing retirement or already retired but not getting the full State Pension, you may be able to boost your State Pension by paying voluntary National Insurance contributions.

Using your home - equity release

Many Britons now find themselves with a wealth of equity that far outweighs their savings or income.

The value of your home, minus any mortgage you may owe, can be described as your ‘equity’. Rather than leaving it tied up in their property throughout their lives, more and more people are now choosing to release some of this equity and turn it into tax-free cash.

• An opportunity to move into a property that is easier to manage, making it easier to maintain independent living.

• A chance to move to a more favourable location, perhaps nearer to family and friends.

• In addition to the equity raised when you move, a smaller property may also have lower energy bills and maintenance costs.

As experienced and fully qualified advisors we will only recommend a plan if it’s in your best interests. We’ll discuss your other options with you and also ensure you

understand everything, including what impact equity release could have on the size of your estate over time and if your entitlement to current and future means-tested benefits may be affected.

Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration.

We provide initial advice for free and without obligation. Only if you choose to proceed and your case completes would a typical fee of 1.5% of the amount released be payable.

(16)

Our service is

award-winning

We have been independently

awarded the highest possible rating

of

‘Exceptional’

for customer

(17)

Why choose Age Partnership?

Partnership

Age

R e t i r e m e n t S p e c i a l i s t s

Call us today without obligation on

Freephone 0800 975 5151

or visit

www.agepartnership.co.uk/pension

We are founded on the belief that our clients want access to honest and impartial information on their pension-income options as well as a helpful and friendly service. We take enormous pride in being able to offer these things to our clients.

What’s more we offer the following guarantees:

✓ We will talk to you in plain English to make sure you understand all of your options.

✓ We don’t use automated telephone menu systems so you won’t have to wait to speak to someone.

✓ We provide access to a range of five simple drawdown investment options, which we think meet the needs of many of our customers at retirement.

✓ You’ll have a dedicated Pension Income Specialist or Financial Advisor; a single point of contact throughout the whole process.

✓ Access to specialist financial advice should you want or need a recommendation about your income options.

✓ We will provide you with illustrations without obligation or pressure to go ahead.

✓ We are impartial, so we don’t have a bias towards any particular solution – we’re just interested in what’s right for you.

✓ We compare the pension annuity market to find you the best possible income.

✓ When you’re ready to go ahead, we’ll do as much of the paperwork as we can to take the hassle out of the process.

✓ We offer a free document collection service to speed up the process.

✓ We are authorised and regulated by the Financial Conduct Authority.

✓ We allow you to compare the fixed-term annuities offered by a range of leading providers.

15

How are we paid for

our service?

Only if you choose to proceed and your case completes would there be any charge to you. If you make your own decision, without taking financial advice from us, we will either receive a commission from your chosen provider or we will charge a fee, depending on which solution you opt for.

If you receive a recommendation from our Financial Advisors, the amount you pay is based on the value of your fund.

It is our policy to be absolutely transparent about the money we receive, so we will talk you through how we get paid when we provide you with a no-obligation illustration for your chosen solution.

(18)

Our Pension Income Specialists

are just a

phone call away

and will be happy to answer any

questions you have.

(19)

Q1.

A.

Q2.

A.

Q3.

A.

Q4.

A.

Q5.

A.

Your questions answered

Partnership

Age

R e t i r e m e n t S p e c i a l i s t s

I can’t remember who my pension fund is with, how do I find out?

The Pension Service has an online form that you can fill in to track down any pension funds you may have, but have forgotten about over time. Visit: www.agepartnership.co.uk/pensionfinder for more details.

How will I be taxed on my retirement income?

Most people can take 25% of their pension savings as a tax-free lump sum, regardless of which pension-income option they choose. Any other income you take is treated in the same way as standard earnings, so is subject to income tax at your marginal rate. It’s worth noting, though, that the way in which you are taxed on your pension income will depend on your circumstances and may change in the future. All of the information we provide is based on our understanding of current tax and pension rules and these can change over time.

How can I find out how much State Pension I will receive?

The government have an online tool which can provide you with an estimate of the State Pension you will receive when you reach State Pension age. Visit www.gov.uk/state-pension-statement to find out more.

How can I find out how much income each of the options shown can provide me with?

It’s important that you consider each of the options to ensure you select the right pension income for you.

We can offer you a no-obligation, personalised pension-income report which can demonstrate how some, or all, of the pension-income options shown could work for you based on your own current personal circumstances and the choices you would like to make, so that you can make an informed decision about how best to access your pension savings.

Should I use your SelfSelect service or should I take advice?

It really is up to you. Many people feel happy to make their own decision once they have access to the information they need. Others would prefer someone to make a recommendation to them – perhaps if they have complicated finances, they are unsure about what to do or they do not feel that their needs can be met by one of the solutions available through our SelfSelect service.

As both are available at Age Partnership, you don’t need to make up your mind straight away. At any stage of the SelfSelect process you can choose to speak to a Financial Advisor and receive a no-obligation recommendation.

17

Speak to our pension income team today on

Freephone 0800 975 5151

(20)

For more information, or for your no-obligation illustration, please call

Freephone 0800 975 5151

Or visit

www.agepartnership.co.uk/pension

Age Partnership Limited, 2200 Century Way, Thorpe Park, Leeds, LS15 8ZB

Partnership

Age

R e t i r e m e n t S p e c i a l i s t s

Want to supplement

your retirement income?

If you’re a homeowner, you may be able

to access extra funds by releasing equity

from your property.

For more information, please call

Freephone 08080 555 500

or visit

www.agepartnership.co.uk/equity-release

Equity release may involve a lifetime mortgage or home reversion plan.

To understand the features and risks ask for a personalised illustration.

Looking for

financial protection?

It’s important to have a Lasting

Power of Attorney in place so someone

can make decisions for you, if there

comes a time when you cannot do so.

For more information, please call

Freephone 08000 810 110

or visit

www.agepartnership.co.uk/lasting-power-of-attorney

2 0 0 4

ES

T AB L I S HE

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