Taking money from your pension. Whether you have a defined benefit or defined contribution pension scheme, you can normally start taking money from the age of 55. You could use this to help top up your salary if you are still working, to enable you to work fewer hours or to retire early.
Spiders reproduce sexually and fertilization is internal but indirect, in other words the sperm is not inserted into the female's body by the male's genitals but by an intermediate stage.
Bacteria usually reproduce by simply dividing in two. Each new bacterium is a clone of the originalâthey each contain a copy of the same DNA. This is called binary fission (bye-nair-ee fish-un).ome species can reproduce sexually. Some do both. Protozoa reproduce by binary fission, budding or a process called schizogony (skiz-og-uh-knee) . Schizogony is multiple fission: the cell's nucleus divides several times before the cell itself divides into multiple new cells, each with one of those new nuclei.