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.
Answer: Virtually all spiders are predatory on other animals, especially insects and other spiders. Very large spiders are capable of preying on small vertebrate animals such as lizards, frogs, fish, tadpoles, or even small snakes or baby rodents. Large orb weavers have been observed to occasionally ensnare small birds or bats.