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2 episodes with avcs
2 episodes with avcs
2 episodes with avcs
2 episodes with avcs
2 episodes with avcs
2 episodes with avcs
In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer six listener questions on UK personal finance - from gifting money to children using the 'normal expenditure out of income' rules to whether ISA withdrawals can support one-off big spends. They also cover pension consolidation and FSCS protection, investing while living abroad, how DB pension accrual affects SIPP annual allowance, and how to bridge the gap to State Pension without over-relying on AVCs. Finally, they tackle the practical steps to opening a Stocks and Shares ISA - and how to get started with confidence. Practical, jargon-free guidance for UK savers and investors navigating pensions, ISAs, tax and retirement planning. Shownotes: https://meaningfulmoney.tv/QA53 02:35 Question 1 Hi Pete and Roger, I have followed meaningful money for around 6 years now and it has been an invaluable source of sensible advice which I have followed. This has left my wife and I in a very good situation for retirement as you will see below. You deserve an MBE at least!. Love the double act with Roger as well. I am 62 and my wife is 60 years young. Our total pensions will be around 35K a year which is all we need for our basic living cost and general going out etc. We have a house worth £750K with no mortgage and no debts. I have a DC pension around £920K and my wife around £650K and our two boys have just moved out of our house and so we are now retiring and relearning life B.C. (Before Children). I have begun looking into gifting them money out of excess income. I like the idea of giving with warm hands - and strangely so do my boys! Putting our scenario into google gemini, using UFPLS with regular drawdowns and keeping within the current 20% tax band we could each have around 50K income after tax over the next 30 years. Really cannot see us spending more than 40K/year travelling and this will certainly reduce in time as we get older and so will give the increasing excess to our kids. To keep HMRC documentation simple (hmm) we plan to use our joint account to give gifts to the boys but I am guessing that we will need to prove to HMRC that we have equal income to do this? So my wife will take 8.5K less from her DC pension than I from mine. I hope this all makes sense. I presume if our incomes were not balanced we would have to pay out from our individual accounts and document both for HMRC purposes? In addition I have 200K and my wife around £150K in ISAs and savings . I know we can each gift 3000/year from the ISA as well as using excess income from our pension. Again, I asked google gemini about this and apparently I can use the ISA for certain capital payments. Eg a) to buy a new car b) redo bathroom/bedroom c) a large holiday Not sure what would be the position if we said our largest holiday each year is paid from an ISA and any other holidays are from our pension income and we still gift excess to the kids? - seems a very grey area. I am sure in time HMRC will look closer into this area. So I think it will be sensible to still use the ISA in the next few years and not take everything from the pension and possibly change to funds from accumulation to income as well? One last thought as all this is based on the current tax rates. The IHT rate NRB has not changed since 2009 and would be worth around £530K today and I am presuming there will be increasing pressure to raise this given house price growth and especially after 2027 when pensions are included in the estate for IHT? Best Regards, Bill 09:37 Question 2 Dear Pete and Roger, I can't thank you enough for the excellent free content you put out into the world. I recently got diagnosed with a degenerative condition which will affect me and my family down the line. Your podcast has inspired me to take control of my finances including putting the right protections (insurances) in place and using investing to help navigate a more uncertain future - THANK YOU! The information is accessible and you guys make me chuckle as I go about my day! My question... I am keen to make my life easy when it comes to managing my finances but I have hit a wrinkle in my plan. My preference would be to consolidate my pension into as few pension accounts and underlying funds as possible. To me the levels of protection available through the FSCS seem too low to be compatible with keeping a pension all with one provider. Am I missing something? How do you think about balancing this risk, without ending up with lots of pension accounts with different providers? Additionally, I have been selecting the same low cost All-World tracker ETF across my family's ISAs and SIPPs, is this inherently risky too and should I aim to use different fund providers (perhaps that aim to achieve the same investment objective). Anyway, I may be being overcautious here or be misunderstanding the level risk but any reassurance would be greatly appreciated. Thank you again Andy 18:24 Question 3 Hi Roger and Pete, I'm 32 and I've been listening the podcast for a few years and the advice (particularly about investing) has helped me immensely. I have a question about investment portfolios when moving abroad. I moved away from the UK 2.5 years ago, at which point I stopped investing into Vanguard and moved to Interactive Brokers. I still have a decent amount invested in Vanguard, but I'm not sure whether it makes sense to consolidate everything into one platform or keep it split over two. I don't have any immediate plans to return to the UK, although I imagine I will eventually. Do you think it makes any difference in how the investments are split, or am I worrying about nothing? Thanks for sharing any of your *thoughts* and perhaps clearing this up for me. Keep up the amazing podcast, Michael (originally from Cornwall!) 21:23 Question 4 Hi Pete and Roger I recently discovered your podcast and am working my way though the back catalogue! I am finding it extremely informative and it is helping me demystify a subject I have found confusing for a long time, so thank you. My question is how do I calculate the amount I can contribute annually to my SIPP whilst also contributing to a DB pension and AVCs (£200/month)? My annual gross salary is £25744. I opened the SIPP to give me flexibility to retire earlier than 67 when I intend to access my DB pensions (as well as my current local government DB pension I have a deferred University DB pension from previous employment), ideally between 60-62, and access the SIPP along with my S&S ISA to bridge the gap. Thanks, Melanie 27:28 Question 5 Hello Pete & Roger, I'm a long time listener and as a result in far better financial shape than I was for many years, thank you. In work I am often akin to the Shawshank Redemption character Andy Dufresne as I find myself offering financial or pension scheme advice to colleagues. This advice ends with recommending your good selves and the knowledge repository that is the Meaningful Money archive and books! I am 56 and just over 4 years from my planned early retirement at 61, when I will have 36 years contributing into a company DB pension. I plan on taking this in a stepped format (with PCLS) to offer a higher initial payment until my state pension starts 6 years later at 67. To maintain basic rate income tax, I am paying my maximum matched pension contributions plus AVC's through salary sacrifice (until 2029) to keep just under the 40% tax limits. My wife will be solely reliant on her (full) State Pension having not contributed to a personal pension, she will receive this when I am 64, meaning our combined funding danger zone will be around 3 years during which we may need funds to top up our income either from the PCLS pot or ISA savings to this final combined total, "our figure". So my question: You repeatedly talk about retiring with options such as having pensions, ISA's and savings etc. but I am concerned my pension and AVC fund will be totally concentrated with little else. After maximising the pension and AVC contributions it looks likely I will not contribute enough to fund a savings pot that could comfortably cover the 3 year danger zone. Will this pension / AVC concentration matter? Should I continue paying the AVC's to avoid higher rate tax on my income and recovering tax rebate into the AVC pot? To me this makes sense, but would funding a savings pot give us flexibility to fund our pension gap somehow that I am missing, and do I need to target an ISA or other savings pot in my remaining working years. This prospect would feel like not living for today, but retirement is in touching distance so might it be worthwhile? Many thanks & best regards, Tim 34:52 Question 6 To the Bruce Springsteen and Little Steven of the financial world! Hi guys my name is Cam, I'd just like to say you guys are absolutely fantastic at what you do, the knowledge you provide is genuinely incredible and immensely helpful. I think I speak for all your listeners when I say without your podcast there would be a lot of people struggling with personal finance! Keep up the good work Pete and Rog! I am 27 years old, 17 months ago I quit my 9-5 and started my own dog walking business, I have since trained to become a dog trainer too. My business has gone from strength to strength and I'm very proud. However the change from going from a wage structure to a varied income per month has been a tough adjustment especially when saving and wanting to invest and so on. I contribute to my pension each month, I pay into a LISA each month (for a first time home) the only thing I don't do is pay into a stocks and shares ISA. Firstly how do I open one? I have listened to your podcast for well over 2 years now and have listened to the majority of the back catalogue, I feel like I know what to do but it's a genuine fear that's stopping me from opening one. I don't know how to explain it - it's almost like my head is telling me 'don't open one you'll mess it up.' Is it literally as simple as sign up to a provider, open an account, add money in each month? I feel stupid saying I'm fearful of opening one but I genuinely am! The last part of my question is simply is there anything else I should be doing that I'm currently not? Insurance wise I have income protection and the necessary insurances for my business. Thanks once again you absolute legends! Cam Boring Money ISA Comparison: https://www.boringmoney.co.uk/compare/stocks-and-shares-isas/
Você otimizou o LDL. Chegou na meta de ApoB. E o paciente volta meses depois com um novo evento. Neste episódio especial, com apoio da Novo Nordisk, Diandro Mota e William Batah recebem o Dr. Eduardo Lima, doutor em Cardiologia pela USP, professor colaborador e supervisor da Residência em Cardiologia da FMUSP/InCor e Head Nacional de Cardiologia da Rede Américas, para uma conversa que pode redefinir como você enxerga o risco residual. A tese é direta: a aterosclerose nunca foi só uma doença de colesterol. Ela é imunometabólica, e a inflamação subclínica pode ser o elo que faltava.O que você vai aprender:
In this Meaningful Money Q&A episode (QA46), Pete Matthew and Roger Weeks answer six listener questions on the financial decisions many UK households are wrestling with right now. We cover bridging the gap to the State Pension with fixed-term annuities, strategies for staying under £100,000 adjusted net income (and avoiding the 60% tax trap), and how LGPS "CARE" pensions work including whether salary sacrifice can reduce student loan repayments. There's also practical guidance for self-employed listeners facing a tough year and needing to cut costs, plus how to think about funding private school fees without derailing long-term plans. Finally, we discuss how to decide whether to take the maximum tax-free lump sum from a defined benefit pension, including the trade-offs and how to model the impact. Shownotes: https://meaningfulmoney.tv/QA46 02:18 Question 1 Hi Pete & Roger, I am a long-time fan of your podcasts, and I often sneak off during the day for some peaceful R&R and listen to your latest release or even go back on old shows. My wife and I are in the fortunate position that we have both retired but still have a number of years before the state pension will commence (6 years / 2 years). Our long-term plan was to build up our private pensions so that we would have a comfortable retirement but also be able to leave our two children a reasonable inheritance which has meant we have been reluctant to dip into our DC pensions too early. With the proposed changes to IHT bringing in the unused pension pots on 2nd death into the estate and on current projection we have in excess of £1m in DC pensions which unfortunately are heavily weighted in my favour to 80/20 and we both have a DB scheme each (circa 5K) which have been activated. My questions relate to fixed term annuity. To bridge the gap between retirement and receiving the state pension for my wife circa 6 years, I was considering looking at one of these to cover sufficient income to take her up to the personal tax allowance limit bearing in mind the annual DB income. My dilemma is where or how best to fund this. Can we or do we use our personal savings? Do we use my wife's DC pension in part? Can I use my own DC pension, but any withdrawal would be subject to 20% tax rate so not a preference even if allowed? As part of my look into these fixed term annuities, there also seems to be an option to have guaranteed cash return at the end of term. Is there any sense in considering this as it would require a bigger investment or withdrawal? Would this cash also be tax free or would it be income and added to your existing income stream? It would seem to me that if I wanted to reduce the pension pot differential but ensuring the tax payable was only 20%, then I could either max my withdrawal requirement annually or consider the annuity route but this could be complicated with my state pension commencing 2027? Should I be hung up on the pension pot differential values between us and does the IHT rule of the couple's tax-free limit being £650,000 nil rate ignore where the money originates. This pension pot differential must be quite common, do you have any other comment or suggestions that would be helpful. I, like many of your listeners enjoy your banter and how you impart knowledge to the wider audience for their better good – a big thank you for this. Best Regards Brett. Meaningful Academy Retirement Planning 11:04 Question 2 Hi Pete & Roger, I'm a big fan of the podcast — thanks for all the clear and practical advice you share each week. My base salary is about £76k, but with shift allowance and a car allowance my total package is closer to £90k. On top of that, I can earn overtime (which is unpredictable) and I also get a discretionary bonus of up to 20% of base salary. The challenge is that we don't find out the actual bonus figure until the end of March, but if we want to waive it into pension we have to decide in advance — so it's guesswork. Without any planning, the bonus can push my adjusted net income over £100k, which means I start to lose my personal allowance and fall into the so‑called "60% tax trap" between £100k and £125k. At the moment, I already have several salary sacrifices in place: – Pension, Holiday purchase, Share Incentive Plan (SIP). I'm now considering adding an electric vehicle through salary sacrifice, which would reduce my taxable pay by about £10.5k a year. That would keep my adjusted net income below £100k, but it obviously reduces my monthly take‑home. I'm 29, so I don't mind putting a bit extra into my pension for the long term, but I don't want to over‑commit too early and lose too much cash flow now. In the next year or so, my wife and I are also planning to have children — which adds another layer, because if my income goes over £100k we'd also lose access to childcare perks. I know there are worse problems to have, but I'd really like to maximise my take‑home pay without losing benefits and while staying as tax‑efficient as possible. So my question is: how should someone in my position — with variable overtime, an uncertain bonus, existing salary sacrifices, and family planning on the horizon — think about the £100k threshold, the 60% tax trap, and the personal allowance taper? And more broadly, how should PAYE employees balance lower monthly net pay against the tax efficiency, taper protection, and childcare benefit eligibility that salary sacrifice schemes can provide? Many thanks. Lewis. 19:48 Question 3 Hi Pete and Rog I'm 28 and my fiancé is 26 so we're at the early stages of building our empire. The knowledge and insight I've picked up from listening to you over the past 12 months has been a massive help, so thank you! My financial situation is fairly run of the mill: a Salary Sacrifice DB pension with a 6% employer match, early days Stocks & Shares ISA, emergency fund etc. However my Fiancé works for our local council and has a DC pension titled "CARE". From what I can understand, this means every year she works, she builds up an amount, that yearly amount tracks inflation up to retirement, then at retirement all those revalued yearly amounts are added together to give her a guaranteed annual income for life. To my question! Firstly, is my understanding correct, or is there anything I'm missing? And secondly, is there a way of playing with her percentage pension contribution to lower the amount of student loan she has to pay back? Bonus question: I've just finished Q&A Ep31 and caught wind Pete had a beer - what's your tipple of choice? Always thankful for each episode and video you provide! Thanks, Tom 24:23 Question 4 Hi Pete and Rog Long time Facebook group, podcast and you tube fan, asking a question that I haven't heard answered yet. I am self employed, and have been for 12 years now. 2025 has been an unexpectedly difficult one in my industry with corporate customers cancelling projects and budget cuts, and individual clients feeling uncertainty. How can I make hard decisions about cutting back on my business and personal expenses, whilst also staying as positive as possible about the future? My turnover is down about 30%, with a knock on effect on my income. I've stopped investing in my pension as the business isn't making enough profit to do so, and am now looking at cutting back on business expenses like the subcontractors I book to work with me and marketing (which I've held off doing hoping income will recover). Meanwhile I took on many personal expenses that feel very hard to cancel like private health cover for my family, income protection insurance, gym membership, kids sports clubs and their orthodontist treatments - all totalling £6-800 pounds per month. I'm not sure where to start! Thanks for considering my question. Best Wishes, Lara 31:40 Question 5 Dear Pete and Roger, Loving your podcast. I can honestly say listening to it has transformed my relationship with money and investing. My husband used to do all the money management alone and seems thrilled I've finally shown an interest... Short version: - She 39, he 44 - Her - late starter due to Uni and maternity - now profits of £60pa self emp - He has £50k pa accrued in DB scheme plus AVCs - maxing contributions - He sacrifices to stay below £100k - ISAs - they don't say how much As the children are approaching secondary age and with some SEND issues in the mix we are looking at all the options including fee-paying independent schools. Luckily with the age gaps we have we will only be paying for two kids at any one time and grandparents are stepping in for eldest. This is costly, but I think doable for us as we're quite frugal people anyway. I'm now working out how best to fund this. If we reduce our pension contributions we will lose huge amounts to tax and student loan deductions (in my case) - 62%/47% (him) and 51% (me) will be deducted and we'll lose the childcare funding for our toddler which will be a massive blow. Would it be mad/bad to release some equity from the house, enjoy this money now and pay this off with a pension lump sum when we can access it? I feel that it would be absolutely mad to retire with far more than we need, whilst our children missed out but also mad to miss out on the tax relief. I'm really interested in your thoughts and if there are other ideas? We have just a few years to prepare and ideally I'd like some flex or contingency in any plan. Could an offset mortgage be useful here? I could go full time but I don't want to miss out on raising the kids so this would be the last resort. It just feels like a cash flow issue that needs some planning for. HELP! Thank you for reading, fingers crossed I've got all the vernacular right and haven't caused any confusion. Take care and best wishes, Annie 36:58 Question 6 Hi Nick…Roger…and the other guy! I'm an avid new listener having read and loved Pete's retirement book and binged on your podcasts. I'm loving what you do and how you do it, and have recommended you widely. My question relates to how I judge the amount of tax free lump sum to take from a DB scheme. It feels wrong to convert inflation-protected DB pension into a lump sum, but I'm thinking of taking the maximum and wonder if I'm being foolish. I could take my £40k DB in 18 months or could reduce this to £26k for £190k lump sum with a commutation factor of 14. The spouses pension is maintained at 50% of the unreduced pension (ie £20k) even if I take a lump sum. Nice! My wife will also have a £6k DB at same retirement date. We will both receive max state pensions 2 years later. We also have SIPPS and some ISAs and I am confident that these non-DB funds will see us through to state pension age with good margin. My budget shows we will need up to £60k PA spend for very comfortable retirement. £40k PA to cover basics. If I didn't take a lump sum then we have £40k (DB) + £6k (wife DB) + £24k (SP) = £70k income. This works. But as I say, I actually think I should take a max £190k lump sum… This would mean £26k (DB) + £6k (wife DB) + £24k (SP) = £56k total index linked, which works out at £49k after tax. The additional £11k PA will be easy to provide from the invested lump sum. But the real reason to take the max lump sum is to manage the risk of me being first death. If/when that happens then my wife has £20k (spouse DB)+ £6k (her DB) + £12k (SP) = £38k index-linked income, or £33k after tax. I think she'll need to find £15-£20k PA from the invested lump sum to stay comfortable. This feels more borderline, especially as she has little natural affinity for investing and may be better buying an annuity. It seems to me that I would be wise to take the full lump sum to best provide for my wife should I die first (statistically the most likely). This matters a lot to me. Is this reasonable thinking? Or is there a way of judging an in-between lump sum? With kind regards, Tim
O período de inverno exige atenção redobrada com a saúde cardiovascular. Segundo médicos. as baixas temperaturas provocam alterações no organismo que podem elevar o risco de infarto em até 30%. E não é só o coração que sofre com o frio. O risco de acidente vascular cerebral (AVC) cresce 20%, principalmente quando as temperaturas ficam muito baixas. Para falar sobre o assunto, o âncora Neneo de Carvalho conversa com a médica cardiologista do Hospital Jayme da Fonte, Heloisa Pedrosa, no Canal Saúde desta quarta-feira (22).
Resultados indicam redução de novos eventos sem aumento de sangramentos graves
Gustavo Santos cura AVCs
This week we devote an episode of the MMQ&A to pensions of all flavours, answering questions on public sector schemes, partial transfers, fund choices and much more! Shownotes: https://meaningfulmoney.tv/QA12 00:52 Question 1 Hi Chaps! I only recently got into podcasts and am frantically trying to listen to as many pension ones as I can. Yours are the most useful I've come across and now I can't stop listening to them all! A small question I hope you can clarify for me please: I am 48 and a few years away from possibly an early retirement (hopefully 58) but trying to plan ahead. I have both a DB pension through work (NHS) and a personal Vanguard SIPP pension I also add to monthly and am of the understanding that you can take 25% tax free (up to the set limit) from your pensions overall and therefore my question is- could I take all the 25% tax free amount from my SIPP and leave the rest of my SIPP and all my DB pension pot to pay me a pension from. In example (arbitrary figures): my DB and SIPP are each worth £100000, totalling £200000. Therefore, under current rules, could I take £50000 tax free from the SIPP (the overall 25%) and the other £100000 in DB and £50000 left in my SIPP to pay me a pension monthly. Or is this not possible at all as they are different schemes, ie DB and DC? Many thanks Jon, from Norfolk 05:30 Question 2 Hi Guys, Firstly, a massive thank you for all the information you provide, it really has completely transformed my personal finances. I still have a long way to go until retirement (I've just turned 30) but thanks to you, I'm confident it won't have to be the state pension age! My question is – I work in Local Government and, whilst the salary is distinctly average (37k) it does come with the benefit of a DB pension scheme. I'm now considering making some additional contributions but there are two options available and I'm struggling to find any useful information online… – Make AVCs into what I understand to be a separate pension scheme more akin to a DC pension – Make APCs whereby I effectively buy more DB pension. It works out at approx an additional £10 guaranteed yearly income for every £80 (£100 if including tax relief) I contribute. In my head, this sounds good as long as I make it 10 years into retirement! Is there an obvious answer to this question? Only obvious downside to the DB option is, if I were to pass away before retirement, the additional pension is effectively lost and not paid to my next of kin! But then again, I don't intend to go anywhere anytime soon! Any thoughts appreciated and thanks again! Jack 12:03 Question 3 I have a question relating to the upcoming change in minimum pension age and how it affects those of us in the 55 bracket before the 6 April 2028 change. I don't know if there is any clarity from government yet but if I am 55 in September 2027 and take a PCLS 25% tax free from an AVC DC running alongside my DB pension scheme, then want to retire fully and start taking the DB in September 2028 when I am 56 is that possible? There seems to be a grey area about what happens after the April 2028 cut off to those of us in this age range. It doesn't even appear clear if someone taking early retirement at 55 would then stop being eligible for monthly payments after April 2028 until they were 57. So they think they have retired fully, then when April comes around their payments stop! Appreciate that sounds a dramatic scenario but I haven't been able to find anything comprehensive on it so hope you can help. I also have a question on DBs with AVCs which might be useful for others. If I have a DB pension valued at £300k and saved £75k in AVCs over the years, can I take the full £75k at 55/57 without it a) affecting the DB monthly amount which can be taken from age 60 in my case, and b) without it being classed as a pension event, so I can continue to contribute over £10k a year into a DC scheme as I plan to continue working until 60. Appreciate they are specific to me but thought there must be others in a similar position. Sorry for more long questions. Thanks for all the great podcasts, look forward to the next. Thanks, Don 19:34 Question 4 Hi Pete! Hi Rog! I've been a long time listener to your dulcet tones and concise advise for a long time and love what you guys do, so please keep doing it! Another pension Question I'm afraid! A while ago I consolidated a few old workplace pensions in to a SIPP, but I still have my current workplace DC pension ticking away. Its not great, being the bare legal minimum (2.5% contribution from my employer) and the fees seem higher than they should be. If I close that pension and transfer to my better performing and cheaper SIPP, I effectively opt-out of the employer contributions scheme. My question is what should I do to be most efficient with my pensions to ensure I am getting the benefit of employer contributions without paying over the odds for an underperforming scheme? I'm 34, and (thanks in no small part to you) feel somewhat on top of my finances. We have an almost balanced budget, regular savings (both short and longer term) in tax efficient wrappers and only a smidge of interest free debt all under control. My SIPP is knocking on for £50k, my DC around £18k. Thanks again Tom 26:49 Question 5 Hi guys Thank you for the advice from your book, podcasts and videos. They encouraged me be brave enough to open a Stocks and Shares ISA, to begin my investing journey. They also encouraged me consider income protection, which I now have. My question is about Additional Voluntary Contributions, compared with a SIPP. I am fortunate to be part a Local Government, Defined Benefit Scheme. I would like to contribute more to my retirement savings, each month a third into a pension and two thirds into a S&S ISA. My pension gives me the option of buying additional pension, however the rates are not very competitive. I make AVC to a third party provider. I have also started a SIPP. This has lower fees and better customer service, then the AVC provider. Something I can't quite understand. What are the benefits of making a AVC, which deducts my contribution pre-tax compared with making a contribution to a SIPP and claiming the tax back? I am a higher rate tax payer. My employer does not offer employer match or salary sacrifice. Thanks for all the help. Rob 29:45 Question 6 Hi question for your podcast if you'd be so kind. My question is about salary sacrifice and its effect on relevant earnings for the annual allowance. I'll use some figures to illustrate and for simplicity assume tax relief and employer's contributions are included in the amounts going into the scheme. I have my employers scheme and a separate SIPP. My income comes from employment and rents from property. I generally put anything I can from the property into the SIPP and sacrifice as much as I can into AVCs in my company pension to benefit from Sal sac. Scenario; my salary before tax is £60000. If I where to sacrifice £500 per month under and electric car scheme and £1500 per month into my pension (combination of pension contributions and AVCs) that would be a total of 24000 sacrificed from 60000 leaving me with a pre tax wage of £36000 and £18000 in my pension pot for the year. My question is what is now left of my annual allowance. Are my relevant earnings now only £36000 and therefore the £18000 already sacrificed come off the £36000 or do I have the £36000 left? Or something else? What would be the amount of money that I could put into my SIPP from my income from property and not break the annual allowance. I hope this makes sense. For ease assume previous years are full in respect to carry forward. Thank you both! Love the podcast! John. 32:30 Question 7 Love the show. Listen whenever I get a chance. I know you've covered investments, savings, pensions etc, but I'm after some advice. To keep it short as requested last week, I've been a public sector worker for 10 years now and have not paid into a pension scheme due to personal financial issues. I got promoted 3 years ago and am now in a much better financial position. I have still got 25 years service until I can retire, but am concerned I've missed out on a a large contribution for the pension scheme. Would I be better opting into the pension or looking at other alternative such as S&S index, ISA, etc? I do intend to promote a few more times before retirement so pension contributions/investments will increase with income. Looking forward to your advice. Regards, Raph
Welcome to another Q&A show - this week we cover tax free cash from DB pensions, annuities vs drawdown and whether you should pay down a buy to let mortgage or invest. Plus quite a bit more! Shownotes: https://meaningfulmoney.tv/QA9 Questions 00:41 Question 1 Hi Pete and Roger. Thanks for your wisdom over the years. My question came about from an answer you gave on a previous Q&A about AVCs and tax free cash. You mentioned it was possible (sometimes) to use AVCs as tax free cash to preserve the maximum DB benefit. I have some follow up questions that relate to - A small DB pension that doesn't appear to offer tax free cash. - A small DB pension that does offer tax free cash, but I have left that job so can no longer contribute to that pension (AVCs or otherwise) I don't have AVCs in these pensions, but I do have a DC pot separately. Would I be able to use take tax free money from my DC pension if I took it at the same time I took the DB pension sort of in lieu of the tax free component of my overall pension? I suspect this is clutching at straws, but thought it worth checking. Many thanks. Loyal listener, Mark 03:11 Question 2 Hi Pete & Roger! I hail from Northern Ireland and enjoy your Podcast to keep my mind active and up to date in all things financial - Top job. I have been looking at having a go at Voyant after various spreadsheets of my own as a way to play with the numbers so was considering a meaningful academy course - question is which course is right for me? I am in mid 40's and financially secure so in theory wealth all ready built? Mortgage paid, multiple residential and commercial properties owned debt free and an sizeable equity portfolio and so should I be looking at the retirement or wealth course? John 05:30 Question 3 Great podcast and been an avid listener for the last year. I have a question which, I think I know the answer but I'd be curious on your perspective. Background: - I divorced in 2021 and as part of that agreed to transfer the house over to my ex-wife and a charge put on the deeds so that when it's sold I'm owed a percentage of the sale. - The house going on the market will be (or should be) triggered when my youngest son reaches 18 or leaves full-time education. This will be either 2028 or 2031. - Since the divorce I've been able to purchase another house and this is my permanent residence. I'm a higher rate tax payer, and when that ex-marital home is sold I'd expect to get somewhere around £200k. However I won't actually need that to hit my retirement goals and would prefer to pass that onto my 3 kids. Could you please discuss options on how I might do that in the most tax efficient way. Best Regards, Dave 10:38 Question 4 Hello Pete & Rog, I stumbled across the show a month ago and have been "binge listening" since then, its amazing, where have you been all my life, keep it up guys. I am actively preaching the Gospel according to Pete to all and sundry. I am a 61 years old Veteran in receipt of a Military (DB) pension to the amount of £18k per annum, which is index linked to CPI. Additional to this, I have a moderate private pension to the amount of £150k which I contribute £500 per month, it has an approx growth of circa 15% I also have a small Stocks and Shares ISA, valued at £15k which I contribute a minimum of £250 per month, this is also growing at approx 14% pa. I am currently working and contributing the minimum amount into a work placed pension with NEST. I am planning to look at retirement at either my next birthday in October 25 (62yrs old) or continue until 65 as I am enjoying work. I have deliberately avoiding factoring in my wife as she is a senior manager within the public sector and has a good DB scheme Final/Average earnings Pension. My question is pension related and I have a dilemma as to decide between either an Annuity to boost my Mil Pension or veer towards a form of drawdown option at a higher rate until SPA and then look to reduce down withdrawals in order to be tax efficient and make it last longer? I am debt free with mortgage paid off and only real major expense is a holiday account which we both contribute to as we like luxury holidays, I hear Rog saying "spend it now". No plans to put anything towards estate planning as both sons are very successful and they will probably inherit our home in time. Just looking for some guidance on what feels may be the right decision under the circumstances, keep up the great work guys, love the show. Michael 16:34 Question 5 Dear Pete & Rog, I have a pensions Annual Allowance query, the answer to which might be of interest to the MeMo community. A relative uses salary sacrifice for her occupational DC pension scheme, and the employer contributes £40k, annually, into her plan. Normally, she doesn't make any personal contributions into any pension schemes, but after receiving a windfall, she is minded to do so via a newly opened SIPP — she has rejected the option of increasing her salary sacrifice amount, and wishes to contribute part of her windfall separately from her occupational DC scheme. Her (post-sacrifice) relevant UK earnings are £35k, so she is planning to contribute £20k gross into the SIPP (£16k net); in order to consume the full Annual Allowance limit of £60k [£40k (employer) + £20k (personal)]. The SIPP provider has advised her that she can actually contribute the whole £35k (gross) by using ‘carry forward'; as she hasn't made any personal contributions in previous years [she's only ever used salary sacrifice]. Is the SIPP provider correct? Kind Regards, James 18:15 Question 6 Husband and I are in our late 50's. We have a £30k interest only mortgage on our home, with £350k of interest only mortgages on 3 buy to let's. Husband has £350k in personal pension and I have a civil service pension (I have taken my final salary element of civil service pension). My B2L' s give £2300 income per month against associated costs of £1100 per month. My question is around reducing our borrowing versus investing in stocks and shares ISA. I have been comfortable in having my buy to let's on interest only mortgages but I am now questioning my approach. We are intending holding at least 2 of the 3 properties throughout our retirement. I am thinking of using the next 5 years to position ourselves for our retirement. I could start to invest £500 into a stocks and shares ISA or I could pay down the mortgages. I am torn between approaches and would value your input on this. I have only just discovered your podcast and it is now a weekly listen for me. I hope I have explained this fully and look forward to hearing your views. Helen.
AVCS. What it is. What it isn't. Why we have it. Why we want it. Why we don't. All of these questions answered and MORE in this episode. Seriously this is a REALLY informative one!
In this episode of Tax Bytes for Expats, I had the pleasure of speaking with Mel Morgan from UKStatePensionAbroad.com. Mel and his wife, Martha, specialize in helping people maximize their UK state pension benefits as appointed agents of HM Revenue and Customs, even if they've left the UK years ago. We discuss how those with previous employment in the UK can top up their pension contributions and potentially boost their retirement income by thousands per year. Mel walks us through the simple but crucial process of determining eligibility, applying for back payments, and making sure everything is optimized to ensure the best outcome.This episode is a must-listen for anyone who's worked in the UK and wants to understand how they can benefit from the UK's state pension system, even if they're living abroad. Whether you've spent just a few years in the UK or worked there long ago, there's still time to act and secure this valuable pension opportunity.What is discussed in this episode:UK State Pension Eligibility: You need at least three consecutive years of employment in the UK to qualify for a UK state pension, regardless of how long ago you worked there.Class 2 vs. Class 3 Contributions: Most people can buy back years at the more affordable Class 2 rate, costing around £165 per year. Failing that, Class 3 contributions are still a great investment, albeit at a higher rate.Double Pension Benefits: You can receive both UK and Irish state pensions for the same years worked, as they are treated separately, similar to additional voluntary contributions (AVCs).Time Sensitivity of Applications: The window to top up your UK pension contributions closes on 5 April 2025 (with caveats) but Mel's team may stop accepting applications by November 2024 to manage demand, so submit your request quickly!Seek Expert Advice: Working with an expert like Mel can ensure your application is optimized for success, helping you avoid costly mistakes and navigate the complexities of dealing with UK Revenue and HMRC.Contact Mel Morgan:Email: info@ukstatepensionabroad.comWebsite: https://ukstatepensionabroad.com/*****If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify.Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/services-and-pricing/.Mentioned in this episode:Special Offer from our Trusted Partner, Currencies DirectThis episode is brought to you by Currencies Direct, our trusted currency exchange partner when transferring currency to or from Ireland. Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months...
Neste episódio final do podcast "HEMO em Família” sobre Anemia Falciforme, os apresentadores discutem a transição do cuidado de pacientes com anemia falciforme do pediatra para o clínico geral. Dra. Adriana Seber, uma hemato pediatra, e seus colegas Dr. Guilherme Fonseca, Dra. Miriam Park e Sandra Loggetto abordam as diferenças entre as manifestações da doença na infância e na vida adulta. Eles discutem complicações como crises de dor, sequestro esplênico, AVCs e infecções em crianças, e como algumas dessas complicações persistem ou surgem na vida adulta, incluindo hipertensão pulmonar, problemas renais e priapismo. A importância do acompanhamento contínuo e especializado é destacada, assim como os desafios de planejamento familiar e a transição para o cuidado de adultos. O episódio reforça a necessidade de colaboração entre pediatras e hematologistas de adultos para garantir uma transição suave e eficaz para os pacientes.
Vídeo direto e sem enrolação! O QUE ACONTECE QUANDO VOCÊ SUPLEMENTA MAGNÉSIO TODOS OS DIAS? Vou revelar as descobertas mais recentes sobre como o magnésio pode ser a peça-chave que falta para proteger seu coração e cérebro. Prepare-se para entender como a suplementação de magnésio todos os dias pode prevenir infartos, AVCs, e até desacelerar o envelhecimento cerebral. E a pergunta que não quer calar: todo mundo precisa suplementar magnésio? Assista e descubra por que a resposta pode ser sim para você também. Vamos mergulhar nos dados e mostrar como você pode transformar sua saúde incluindo mais deste mineral no seu dia a dia! Capítulos: 00:00 introdução 00:55 Todo mundo precisa suplementar magnésio? 03:00 Qual a importância desse mineral magnésio? 04:20 Os diferentes tipos de magnésio 05:58 Qual a dosagem do magnésio ? 06:26 O verdadeiro Exame para ver seus níveis de magnésio 08:07 Sintomas de falta de magnésio 09:20 Estudos Magnésio é fundamental na saúde cardiovascular 11:02 Estudos Magnésio e acidente vascular cerebral (AVC) 12:19 Estudos Magnésio e a saúde cerebral
Uma fotografia com um limão nas mãos e a garantia de ser a razão para não ficar doente "há 27 anos". Cinco dentes de alho e uma colher de sopa de limão podem fazer bem à saúde, mas não previnem AVCs.See omnystudio.com/listener for privacy information.
Investigadores da Universidade do Porto estão a desenvolver um agente de contraste para melhorar a detecção de AVCs em imagens obtidas por TAC, ou Tomografia Axial Computorizada.
Descubra a história de uma neurofisioterapeuta da FAB que superou 3 AVCs e usa sua experiência para tratar pacientes com lesões neurais. Uma mistura única de resiliência pessoal, expertise acadêmica e dedicação militar.
Traumatismos cranioencefálicos, hemorragias cerebrais, acidentes vasculares encefálicos (popularmente conhecidos como AVCs) extensos e tumores são algumas das causas mais comuns que levam à necessidade de se realizar uma craniectomia descompressiva. Atualmente, cerca de 30 mil brasileiros são submetidos a essa cirurgia ao ano. Os programas de cranioplastia adotados na rede SUS têm, infelizmente, uma relação custo efetividade ruim, sendo economicamente inviáveis para o SUS e acarretando fila de espera superior a sete anos por paciente. Tecnologia desenvolvida por pesquisadores brasileiros pode beneficiar esses pacientes e promete ter uma melhor relação custo-benefício. No episódio desta semana do podcast de Health, Laura Murta, Camila Pepe e Jonas Sertório conversam com Pedro Freitas sobre a realidade dos pacientes submetidos a craniectomia no Brasil e o impacto que a nova técnica, criada por pesquisadores brasileiros, oferece para esses pacientes. --- Send in a voice message: https://podcasters.spotify.com/pod/show/mittechreviewbrasil/message
Qualquer evento que interrompa o fluxo sanguíneo e atrapalhe o metabolismo do cerebro é considerado acidente vascular isquêmico. Na rotura de um vaso sanguíneo no cerebro provoca extravasamento do fluxo sanguíneo para o tecido cerebral ou para o espaço onde se localizam os vasos do cerebro (espaço subaracnóideo). Cerca de 80% dos AVCs são isquemicos. O sangue sai do coração, passa pelos grandes vasos em direção a cerebro e alcança a microvasculatura cerebral. Neste trajeto pode ocorrer formação de coágulos e interrupção do fluxo sanguíneo. Os coágulos podem ser formados no coração, na parede dos grandes vasos quando ocorre a rotura de uma placa de gordura ou na dissecção arterial; os pequenos vasos do cerebro podem sofrer alterações com interrupção do fluxo sanguíneo em pequenas áreas chamadas de lacunas. Existem fatores de risco que podem ser doenças ou condições que levam ao acidente vascular isquêmico. Os fatores de risco podem ser modificáveis ou nao. Fatores de risco não modificáveis: idade (quanto maior a idade maior a chance de AVC), gênero e fatores genéticos. Fatores modificáveis, onde o médico deve focar para prevenção primária: 1) Pressão alta, 2) alimentação, ou seja, dietas que elevam o colesterol, glicose e pressão, 3) diabetes, 4) colesterol, 5) tabagismo e 6) consumo de bebidas alcoólicas. Infelizmente o AVC também pode ocorrer em pessoas jovens. As principais causas são: 1) uso de anticoncepcionais, 2) enxaqueca complicada, 3) forâmen oval patente, onde coágulos do sistema venoso podem alcançar a circulação arterial, 4) doenças inflamatórias como Lupus, doença de Takayatsu, 5) cardiopatias em jovens, 6) dissecção arterial onde ocorre hemorragia na parede da artéria com desprendimento de coágulos para o cerebro, 7) consumo de álcool e energéticos que podem provocar arritmias cardíacas, 8) drogas licitas ou ilícitas que provocam inflamação dos vasos intracranianos (vasoconstrição cerebral reversível). Importante ressaltar que o stress também é um fator de risco para ocorrência do AVC por conta da elevaçao da pressão arterial, aumento dos níveis de glicemia e da atividade inflamatória no corpo. Por outro lado, bons hábitos alimentares e exercícios físicos podem evitar a ocorrência de AVC. Um mineumônico foi criado para que a população consiga lembrar dos principais sintomas associados ao AVC: SAMU. S de sorriso, A de abraço, ou seja, paciente tem que levantar os dois braços para dar um abraço, M de mensagem onde o paciente nao pode ter dificuldades para falar, e U de urgência em caso dos sintomas anteriores para procurar o hospital rapidamente. Ataque isquêmico transitório é a reversão espontânea do déficit motor nas primeiras 24h de inicio dos sintomas. No tratamento do AVC isquêmico, quanto mais demorado o atendimento maior o risco de nao responder ao tratamento com trombolíticos. O tratamento da fase aguda é baseado no desentupimento dos vasos com remedio ou procedimentos e tem que ser instituído rapidamente para evitar a morte do tecido cerebral e sequelas neurológicas. Infelizmente alguns pacientes que tem déficit motor esperam para ir ao hospital e acabam desenvolvendo sequelas. Mesmo que haja melhora espontânea do déficit motor em 5 minutos o paciente deve procurar o hospital. Internar o paciente com AVC ou ataque isquêmico transitorio é importante para tratar a recurrencia do AVC e investigar as causas mais rapidamente, além de correções de desidratação, alterações no coração, etc.. O atendimento hospitalar é especializado com equipe intra-hospitalar alerta que tria o paciente para sala de emergencia e abertura do protocolo AVC: uma vez desencadeado a equipe especializada vai atender o paciente imediatamente incluindo o neurologista e exame de Tomografia. O tratamento inicial é a trombolise intravenosa para tentar dissolver o coagulo de um vaso ocluido até 4:30h após o sintoma. Caso passe o tempo aplica-se as terapias intravasculares. #avc #derramecerebral #avcisquemico
Hoje a Aline veio ao #QuemAmaNãoEsquece para contar a história dos seus avós. A dona Sueli e o seu José se apaixonaram perdidamente um pelo outro desde o primeiro momento em que se viram. Os dois se casaram, tiveram 3 filhos e vários netos. Um dia o José sofreu 3 AVCs seguidos que o deixaram muito debilitado. Os médicos avisaram que ele ficaria acamado pelo resto da vida, mas a Sueli cuidou do marido com muito amor por 7 anos, até o dia em que ele descansou. Com a morte do marido, ela ficou totalmente desolada e sem interessem em continuar vivendo. Depois de 4 meses que o José tinha partido, foi o aniversário da Sueli e ao assoprar as velas, ela desejou que fosse se encontrar com o marido. No dia seguinte, ela também faleceu. Todos da família sofreram demais e a Aline ainda sente muita saudade dos avós, mas e acredita que hoje eles estejam juntos em algum lugar.❤️
O software da Brainomix analisa imagens de exames ao cérebro e diagnostica um possível acidente vascular cerebral, através de inteligência artificial. Neste momento, o software está a ser utilizado por cinco redes de hospitais no Reino Unido.
![[Video] SuperToast](https://ivyfm.s3.amazonaws.com/i320/1268231.jpg)
O software da Brainomix analisa imagens de exames ao cérebro e diagnostica um possível acidente vascular cerebral, através de inteligência artificial. Neste momento, o software está a ser utilizado por cinco redes de hospitais no Reino Unido.
O software da Brainomix analisa imagens de exames ao cérebro e diagnostica um possível acidente vascular cerebral, através de inteligência artificial.Neste momento, o software está a ser utilizado por cinco redes de hospitais no Reino Unido.Ao acelerar a avaliação inicial de pacientes com sintomas de AVC, o e-Stroke aumenta significativamente as hipóteses de um paciente sair do hospital sem efeitos secundários. Saiba mais sobre inovação e nova economia em supertoast.pt.
Estudo finlandês concluí que cantar ajuda pacientes e cuidadores na recuperação de afasia em AVCs
Tem episódio novo. E que episódio! Recebemos Lisia Daniella, advogada, escritora e corredora, correu uma #MeiaMaratona após 2 AVCs que a deixou tetraplégica e sem falar. Que história! Mais um Roda de Corrida imperdível! #boracorrergalera #corridaderua #rodadecorrida Instagram: @BoraCorrerGalera | @RodaDeCorrida
O cirurgião vascular Igor Sincos, chefe de equipe do Grupo Endovascular de São Paulo, conversou com a RFI sobre a propensão aos AVCs após a pandemia da covid-19. Todos os anos, os AVCs são responsáveis por 15 milhões de mortes no mundo.
O cirurgião vascular Igor Sincos, chefe de equipe do Grupo Endovascular de São Paulo, conversou com a RFI sobre a propensão aos acidentes vasculares cerebrais, que cresceram com a epidemia de Covid-19. Todos os anos, os AVCs são responsáveis por 15 milhões de mortes no mundo. Taíssa Stivanin, da RFI Os quase três anos de epidemia de Covid-19 provocaram um aumento do número de casos de AVC, explicou o cirurgião vascular à RFI. Muitos estudos mostraram, desde o aparecimento do SARS-CoV-2, que o vírus favorece a formação de coágulos. Uma pesquisa recente, publicada em agosto na revista Nature, mostrou, por exemplo, que o risco de acidente cardiovascular pode ser até 55% maior um ano após contrair a doença – independentemente de ser uma forma grave ou não. “Com a vacinação, isso diminuiu muito, mas antes, nós identificávamos casos bem graves de Covid com trombose. Não só na parte venosa, mas também com pacientes grávidas, com trombose na placenta ou intracerebral. Identificamos muitos AVCs isquêmicos relacionados à Covid”, diz Igor Sincos. No acidente vascular isquêmico, há falta de sangue ou oxigênio. Isso acontece quando um vaso ou artéria cerebral é obstruído, impedindo a circulação. “A partir de dez minutos de isquemia, o cérebro humano já começa a sofrer muito. Depois de algumas horas, isso pode se tornar irreversível”, observa. Segundo ele, a rapidez no atendimento determinará, proporcionalmente, a gravidade das sequelas. Além do acidente hemorrágico isquêmico, existe o hemorrágico, explica o especialista brasileiro, que pode atingir mais jovens. “É o acidente vascular com sangramento, depois do rompimento de um vaso, por exemplo, por trauma ou um aneurisma. É uma dilatação que sangra dentro da cabeça. Trata-se de uma situação grave e urgente e muitas vezes necessita de cirurgia e craniotomia: abrimos o crânio para drenar esse excesso de coágulo e estancar o sangramento”, explica. Segundo o especialista, qualquer vaso do corpo humano pode dilatar, provocando um aneurisma. No cérebro, esse quadro é relativamente comum em pessoas jovens. “A faixa etária entre 30 e 50 anos, é propícia para esse diagnóstico. Muitas vezes o paciente tem problema de fala, movimento, corre no Pronto Socorro e consegue resolver o problema a tempo”, exemplifica. Dá para prevenir? Como o AVC hemorrágico atinge mais pessoas jovens e sem fatores de risco, a dificuldade, explica o cirurgião, é que não tem como preveni-lo. “É uma situação que acomete jovens e está relacionada à genética, e não a uma patologia específica”, diz. “Quando você tem um aneurisma intracerebral, muitas vezes não há correlação com outros aneurismas do corpo. Às vezes uma pessoa jovem, até um adolescente tem, e nunca vai ficar sabendo”, diz. Ele frisa que essa é uma situação rara. No caso do isquêmico, que equivale a uma trombose, hábitos como tabagismo, e doenças como hipertensão ou diabetes são determinantes. Elas podem provocar um envelhecimento precoce do vaso, a arteriosclerose, responsável por alguns desses acidentes vasculares. A trombose pode também ser decorrente de um problema circulatório, formando coágulos dentro das veias ou artérias. “Algumas mulheres também têm uma sensibilidade maior à utilização de anticoncepcionais orais. É muito raro, mas existe uma relação entre anticoncepcionais e a formação de coágulos, que depende de cada indivíduo. Mas toda mulher que teve AVC recomendamos que evite a pílula”, diz. Igor Sincos também lembra que outras patologias aumentam a coagulação do sangue, como a Trombofilia, de origem genética e decorrente da deficiência da produção da chamada proteína C, um dos chamados fatores de coagulação. Sintomas Em qualquer situação, o cirurgião lembra que é preciso ficar atento aos sintomas: perda visual, cefaleia muito intensa ou um déficit motor intermitente, em um lado do corpo. Eles podem indicar o início de um AIT (Acidente Isquêmico Transitório), que muitas vezes precede um AVC, mas, se tratado a tempo, pode evitá-lo. O cirurgião vascular destaca que o modo de vida é essencial para prevenir o AVC. “Se você consegue manter uma alimentação saudável, com alimentos menos inflamatórios, com verduras, frutas ou carnes grelhadas, evitando o excesso do trigo (glúten) e fazer um mínimo de atividade física, já diminui em 30% a chance de ter um AVC ou um infarto. O que recomendamos são 150 minutos de caminhada por semana ou 100 minutos em caso de atividade mais intensa, como natação. Além de dois dias de exercício de força. ” A associação da dieta com essa rotina, lembra, aumenta em pelo menos dez anos a expectativa de vida. Associar os cuidados físicos à saúde mental, diminuindo o stress, é fundamental a longo prazo, ressalta.“Você terá uma proteção não só contra eventos vasculares, como tromboses ou aneurismas, mas também estará controlando seu DNA, para evitar o envelhecimento precoce das suas células e uma propensão maior ao câncer. O estilo de vida, a gente sabe hoje, é o ponto mais importante do cuidado dos indivíduos que a gente tem que focar e melhorar”, resume.
Com a queda do número de mortes por covid-19, os acidentes vasculares cerebrais (AVCs) voltaram a ser a causa mais comum de mortes no Brasil. O alerta foi dado recentemente pela Sociedade Brasileira de Neurocirurgia. Nos quatro primeiros meses de 2022, foram registradas 35 mil mortes por AVC. Os infartos vêm em segundo lugar, com 32 mil casos. O neurocirurgião e presidente da Sociedade Brasileira de Neurocirurgia, Eberval Gadelha Figueiredo, é o entrevistado do Conexão Senado de hoje. Ele aborda os riscos, a prevenção e a reabilitação depois um AVC. Confira.
In this episode, we provide a primer on tobacco-related Assurance of Voluntary Compliance (AVC), which are legally binding and enforceable agreements between companies (i.e. big tobacco retailers) and one or more states (under each state attorneys general) in which the retailer agrees to adhere to certain standards and practices to reflect their commitment to the responsible marketing of tobacco products. Common examples of these standards and practices include limiting the type and location of tobacco advertising permitted, prohibiting the sale of look-a-like products, and prohibiting self-service tobacco displays. These provisions are designed to prevent the sale of tobacco to minors and to reduce the appeal of tobacco products and tobacco product advertising that are targeted to youth. Learn more about the background behind these agreements, why AVCs are beneficial, and how local and state tobacco control programs can help.
O Acidente Vascular Cerebral (AVC) é a segunda principal causa de mortes no Brasil e uma das mais recorrentes razões de sequelas e incapacidade no mundo. Mais de 16 milhões de pessoas são afetadas por ano e, destas, cerca de 6 milhões não resistem. Além disso, um outro dado tem despertado preocupação: pessoas mais jovens vêm sofrendo com AVCs. O AVC é uma condição mais comum em adultos mais velhos, só que a incidência em jovens e pessoas de meia idade tem crescido nas últimas décadas. Aproximadamente um quarto dos acidentes vasculares cerebrais acontecem em pessoas com menos de 65 anos. No país, o número de mortes anuais causadas por AVC chega a cerca de 100 mil pessoas em todas as faixas etárias. Entre os anos 2000 e 2010, 62 mil pessoas abaixo dos 45 anos faleceram por AVC. Isso também é observado em Criciúma, como destaca a doutora Gisele de Medeiros, responsável pela Unidade de AVC do Hospital São José. Normalmente, os mais jovens acometidos pelo acidente possuíam algum fator genético que favoreceu esse quadro. “Atendemos, predominantemente, pacientes acima de 55 anos, mas tem alguns mais jovens que, geralmente, tem algum problema congênito de coração, alguma malformação de coração que persiste durante a vida adulta, alguns por arritmia cardíaca, muitos por problemas genéticos de facilidade de fazer trombose e alguns por uso de drogas. Aconteceram alguns AVCs durante a pandemia por causa da Covid-19”, observou. O AVC é uma condição que ocorre quando a circulação de sangue para o cérebro é interrompida de alguma forma, impedindo que o órgão obtenha nutrientes e oxigênio. O acidente vascular cerebral geralmente é causado por um coágulo, que seria o AVC isquêmico, ou por algum sangramento, o AVC hemorrágico. Algumas características específicas aumentam os riscos de desenvolvimento da doença. No caso de AVC em jovens, os agravantes são doenças cardíacas congênitas ou adquiridas, distúrbios metabólicos, doenças vasculares ou no sangue, tabagismo, uso excessivo de álcool e estresse. Para a prevenção, a melhor maneira é evitar os fatores de risco. “Manter um controle da pressão arterial se tiver problemas de pressão alta, controle adequado dos diabetes, evitar o tabagismo, o uso de drogas, praticar atividades físicas para baixar o colesterol e o peso corpóreo, alimentação saudável e avaliação cardiológica no sentido de ver se há alguma arritmia cardíaca ou algum pequeno defeito no coração no nascimento”, elencou Gisele. Ouça abaixo a reportagem completa:
são os fármacos usados no tratamento das dislipidemias, e principalmente no controle dos níveis colesterol. Os altos níveis de colesterol (hipercolesterolemia) aceleram a aterosclerose, que leva no limite ao infarto do miocárdio e aos acidentes vasculares cerebrais (AVCs).
O GOLM é uma iniciativa da USP, Fapesp e IBM, a qual pretende desenvolver inteligências artificiais para identificar e tratar os acidentes vasculares cerebrais
O GOLM é uma iniciativa da USP, Fapesp e IBM, a qual pretende desenvolver inteligências artificiais para identificar e tratar os acidentes vasculares cerebrais
Passando a Limpo: No programa desta quarta-feira (21), a bancada composta por Geraldo Freire, Wagner Gomes, Fernando Castilho e Romoaldo de Souza conversa com o presidente da Associação Municipalista de Pernambuco (Amupe), José Patriota, sobre a volta às aulas presenciais. O programa conta ainda com a participação da deputada federal e presidente nacional do Podemos, Renata Abreu, que fala sobre a PEC da reforma política da qual é relatora . Além do Cirurgião cardíaco, Fernando Figueira, que fala sobre a maior incidência de AVCs e infartos em tempos mais frios.
Passando a Limpo: No programa desta quarta-feira (21), Geraldo Freire e a bancada conversam com o presidente da Associação Municipalista de Pernambuco (Amupe), José Patriota, sobre a volta às aulas presenciais. O programa conta ainda com a participação da deputada federal e presidente nacional do Podemos, Renata Abreu, que fala sobre a PEC da reforma política da qual é relatora . Além do Cirurgião cardíaco, Fernando Figueira, que fala sobre a maior incidência de AVCs e infartos em tempos mais frios.
《阴阳双剑》点击小黄条，玩刀哥同款手游，领88元红包，海量喜点，喜马拉雅VIP。输入刀哥专属礼包码：“VIP520”，升级更快，玩的更爽。关注“7477手游”微信公众号，输入“刀哥”更有神秘礼包免费送。公众号二维码※ 本文章发布于订阅号：百车全说，订阅号阅读更加方便，欢迎关注上次我们聊完旅行车之后，很多人在下面留言，想聊一聊斯巴鲁的傲虎，刚好在2021年3月3日的时候，全新斯巴鲁傲虎上市了，31.28万-33.08万的定价也是非常的傲娇，比之前2020款27.08万-31.08万的价格还涨了一些，让我猛然间有点看不懂斯巴鲁的定价策略。因为，斯巴鲁在中国其实是一个小众品牌，凭借进口车的身份，配合斯巴鲁旗下大名鼎鼎的翼豹WRX STI系列车型作为性能图腾，还有BRZ这种价格不高、但是乐趣十足的小跑车……这些产品的推出，加上水平对置发动机、高安全性和良好的四驱性能，使得斯巴鲁在中国一部分车迷心中积累了一定的口碑。当然，今天我们主要聊的还是这台全新推出的斯巴鲁傲虎。掰着指头算一算，第一代斯巴鲁傲虎从1994年在纽约车展上亮相，到现在已经是第六代车型了，比我们熟悉的奥迪Allroad系列的历史其实还要再早6年，而在奥迪Allroad正式亮相的2000年，斯巴鲁傲虎已经作为一款独立车型，从力狮车型系列里分离出来了，所以相比之下，其实斯巴鲁玩这种跨界旅行车可以说是行业老大哥的地位。可是，就是这样一位老大哥，为啥在国内市场越来越吃不开呢，到底是产品有问题还是市场政策有问题，又或者是那一句千年不变的“消费者不懂车”？带着这些问题，我自己也是小小的研究了一下，在此也与各位分享一下。全新傲虎到底新在哪？我们先来聊一聊这台新出的斯巴鲁傲虎，因为这台车的外观和内饰，相比过去确实是有了一定的升级，比如基于SGP平台打造、全新的外观设计语言、内饰竖向的11.6寸大屏、最新的EyeSight 4.0驾驶辅助系统……首先，我们来聊一聊这个SGP平台。斯巴鲁这个SGP平台，全称叫做“Subaru Global Platform”，这也是这么多年以来斯巴鲁车辆平台的首次更新，未来斯巴鲁的很多产品也都将出自这个平台，除了针对安全性、行驶性能、舒适性和环保方面进行提升之外，最为核心的就是在这套平台下诞生的产品，未来还会搭载多种类型的动力系统，包括汽油发动机、混合动力和纯电动力。简单来说，就是斯巴鲁这套SGP平台下的产物，在安全性方面会比以往更好，并且今后的动力总成的适配性更强。其次，我们来聊一聊全新傲虎的动力系统。之前很多人都说，对于斯巴鲁傲虎这台车，或者说对于所有的斯巴鲁出品的车辆，你永远不能光看它的表面，更要看它的内在，比如水平对置发动机、四驱系统等等，但是如果你看过或者开过之前老款2.0T版本的傲虎，你对现款车型最直观的感受肯定是“想当年猛虎有蛮力，看如今病虎不如鸡”。在2015年-2017年时候，斯巴鲁曾经推出过2.0T的傲虎（同期还有2.0T版本的力狮），发动机输出功率达到了241马力/350牛米，那个动力输出和现在这套169马力/252牛米的2.5L发动机简直是天壤之别，不过比较惨淡的是，之前2.0T版本的傲虎和力狮，在当年总共卖了也就不到500台。回到现款车型使用的2.5L发动机来看，很多人可能会疑惑，为什么这套发动机的排量看上去挺大的，但是账面上的动力输出就这么一点？其实原因很简单，就是因为技术太老了。我们都知道，斯巴鲁过去其实也有一套代号FB25的发动机，搭载在上一代傲虎和力狮上面，而上一代FB25的发动机的技术水平其实更加落后，只有进气侧AVCS（主动阀门控制系统）、PFI（燃油进气道喷射），而且还没有可变气门正时（VVI），换言之这套发动机实际的技术水平也就是2003年左右，比已经停产的锐志上的那颗5GR发动机还要老，而现在用的这颗2.5L发动机，主要的改变就是把之前FB25的燃油进气道喷射（PFI）换成了燃油直喷（GDI），而且这个新机头的直喷压力最多只有15Mpa，并不是现在流行的35Mpa高压直喷，然后斯巴鲁给这套发动机再加了一套排气侧AVCS，其他就没了。换言之，斯巴鲁就是把自家的旧棉袄拿出来，缝三年、补三年、缝缝补补又三年，看上去是在衣服上绣了几朵花，实际上还是那件旧棉袄。所以，现在这个2.5L发动机，其实就是一套十多年前发动机，进行细微优化后的产品，在总体上并没有做太大改进，而这就导致这颗发动机的燃烧模型比较古老，不管是排放还是功率，各个方面都不是很优秀，加上这颗发动机还采用的是低压直喷，所以尾气中的颗粒物比较难控制，进而在面对国6B排放标准的时候，需要加一套颗粒捕捉器，进一步牺牲性能，于是就有现在这个169马力/252牛米的数据。当然，斯巴鲁这么弄倒不是说轻视国内市场或者区别对待，因为这个2.5L版本的车型，在斯巴鲁最为重视的美国市场也是主力车型，只有在Onyx和Limited两个顶配版本上，才有那台无缘中国市场的2.4T发动机，而国内的斯巴鲁目前在卖的就这点车，也没有混动或者新能源车型来满足积分政策，面临国内巨大的排放双积分压力，斯巴鲁根本没有多余的正积分来引进一款搭载2.4T发动机的车型。除了这颗2.5L发动机之外，很多人其实还有一个疑惑点，那就是为啥斯巴鲁目前在售的车型都要用CVT变速箱？其实主要原因就是因为它的这套代号“ACT-4”的四驱系统，而目前斯巴鲁在售车型里采用的全时四驱系统中，这套系统不仅是历史是最长的，也是驱动力分配变动量最大的一套系统。这套ACT-4的四驱系统，在变速箱的后端装备了电控多片离合器式的限滑差速器来驱动前后轮，正常状态下的前后轮扭矩分配被设置在60:40，在行驶过程中，通过探测驱动轮的滑移量和发动机扭矩，这套四驱系统可以根据不同情况，能做到从完全前驱状态（100：0）一直调整到前后轴完全连接状态（50:50），所以，这套四驱系统可以看作类似于前置前驱车的特性，在湿滑路面行驶时，后轮哪怕是出现一点点滑动，车辆都能瞬间将中央差速器锁死变成前后轴完全连接的状态，以此来防止侧滑，再加上车辆动态控制系统（VDC）会在车辆即将失控的状况下及早介入，所以说这套系统最根本的目的，是确保在低摩擦力路面上行驶的可靠性和通过性，而不是追求运动性，因为斯巴鲁自家主打运动性的四驱系统，是搭载在WRX STI上面的DCCD全时四驱系统。虽然说斯巴鲁的这套四驱系统很不错，但是这个代号ACT-4的四驱系统有个BUG，就是变速箱和四驱系统是分不开的，所以在匹配的时候很麻烦（斯巴鲁原来用4AT用了好久），斯巴鲁本身就是个小厂，也没有那么多的人力、物力和精力去做复杂的匹配，而现在用的这套CVT变速箱使用了链条传动，可以承受很高的扭矩，这样就把CVT一个老大难的问题解决了，从而可以给动力更强的发动机装备，并且CVT变速箱不仅可以省油，平顺性也是相当不错，加上斯巴鲁为这套CVT变速箱，在运动模式逻辑、模拟档位、换挡拨片等等方面做了运动化调校，对于一般人来说，日常驾驶表现其实还是过得去的。当然，你如果想要更运动的性能，这样的CVT变速箱肯定是无法满足的，斯巴鲁其实也知道这个CVT无法满足更强的运动需求，所以你会发现，真正主打性能和运动的斯巴鲁车型，要么像BRZ那样用AT变速箱，要么和WRX STI那样用手动变速箱。其实这一点我觉得斯巴鲁做的还是挺有意思的，而且给我一种这家车厂就像是一家小饭店的感觉，首先他们的菜单里绝对不会出现什么鲍鱼、海参之类的高价菜，但是老板又有一些拿手的硬菜（比如WRX STI、BRZ），你如果只是想随便吃点，那菜单里也有一些家常小炒（森林人、力狮、傲虎），甚至还会有价格更低，但是也挺下饭的菜品（XV）。再者，我们来聊一聊这套EyeSight系统。我们都知道，斯巴鲁的这套EyeSight系统一直会和动力系统去做紧密的匹配和调校，上一代搭载涡轮发动机的斯巴鲁车型，在国内都没有配备EyeSight系统，主要原因就是斯巴鲁还没做好与涡轮车匹配的EyeSight系统。简单来说，斯巴鲁EyeSight驾驶辅助系统主要具备4项功能：防碰撞制动系统（PCB）、全车速自适应巡航控制系统（ACC）、起步油门误操作预防功能和警报与提示功能，其实本质上和本田的Honda Sensing类似，都是“视觉智能化科技”，属于给车辆提升附加值和安全性的产品，只是由于斯巴鲁很久都没有这种比较“时髦”的科技配置，促使这个EyeSight系统让不少人觉得很新奇。最后，不论斯巴鲁的产品究竟如何（其实还可以），任何一家车企都是以赚钱为目的，而斯巴鲁以目前现有的产品来看，似乎很难满足中国市场的需求，但是这就导致越不满足需求、销量就越低，销量不断走低之后，斯巴鲁估计自己也没啥兴趣去满足中国市场，万一造出来了还是卖不掉怎么办，大家都是出来卖的，谁也不愿意拿自己的销量去赌，斯巴鲁只要自己保证单车利润，能做到不亏钱，那就皆大欢喜，毕竟美国市场才是斯巴鲁的重中之重。况且，就算引入2.4T发动机，就算价格比现在定的再便宜一些，其实买的人估计也不会比现在能增加多少，斯巴鲁在中国基本上没什么钱去搞营销，整个销售体系在国内也被庞大集团一家独占，至于什么坚持、情怀、工匠精神……这些都只能说说而已，作为车企首要任务是赚钱活下去，看看当年的萨博，现在坟头都长草了。所以，与其去强行顺应市场作出一些改变，还不如先半死不活的造车卖车，等装备CB18发动机的傲虎和森林人进入国内之后，再通过与丰田的合作，实现CB18发动机与丰田THS混动技术的融合，通过混动车型的销售来满足积分需求，进而再引入口碑和招牌车型。在我看来，斯巴鲁这个品牌你说它聪明吧，它其实挺傻的，中国市场这么大一块蛋糕摆在它面前，结果自己不仅不会吃，而且连吃饭的家伙也跟不上，自己还要面对积分和油耗双重难题，弄的旗下招牌车型根本进不来。但是，你说斯巴鲁傻吧，它其实也挺聪明的，至少斯巴鲁明白，自己应该造个什么样的车，而不是像那个和它合作的日系厂家一样，在消费者看不见的地方偷偷摸摸的减配点东西，有点大智若愚的感觉，也算是小厂的坚持吧。斯巴鲁傲虎的竞争对手？没有！傲虎的竞争对手都有哪些？在30万左右的价位，很难找到一款像傲虎这么特殊的车。虽然很多网站都将傲虎归类为中型SUV，但我觉得这并不贴切，准确来说这是一款介于轿车与SUV之间的中型跨界旅行车，同理，自家的XV是低一级别的紧凑型跨界旅行车，斯巴鲁在售的只有森林人是非常标准的SUV。如果非要说傲虎像什么，它很像奥迪的Allroad系列和沃尔沃的Cross Country系列，既保留了轿车的驾驶感、操控感，同时兼具SUV的高通过性。但即使是这两个系列中最便宜的A4 allroad quattro探索家（41.88万）和V90 Cross Country B5 AWD智远版（44.79万），指导价都远超傲虎。即使是目前优惠巨大的V90CC智远版，裸车大概38万左右，落地也要43万左右，而中期改款后的A4 allroad去年底刚刚上市，优惠还没有到位，稍微带点配置就要奔着落地45万去了。所以，傲虎在这个价位没有直接竞争对手。有意思的是，选择傲虎的人，当初很多是在同价位的SUV中纠结，而非看上去更相似的旅行车。也许每一位傲虎车主都有一颗“撒野”的心，他们更加在意通过性，大多数旅行车是没有通过性可言的，而傲虎在通过性和装载性上都得到了相应的保证，唯一美中不足的，就是这台车在驾驶的时候，你会有一种这不像一台斯巴鲁的感觉，因为斯巴鲁引以为豪的就是水平对置发动机带来的低重心，但是傲虎为了保证离地间隙和通过性，把离地高度弄的挺高的，所以这也带来了一个矛盾点，想越野这台车性能又不是特别够，想在城市道路或者高速路去跑，又没有传统的旅行车那么舒服，只有在非铺装路面或者坑洼路面上，才能比较好的体会这台车到底“香”在哪里。除了类似于斯巴鲁傲虎这样的旅行车之外，我们再来聊一聊，同价位可以买到什么样的SUV，因为傲虎这台车实际上就是在切旅行车和SUV之间的夹缝。以傲虎现在的售价来看，主流点的SUV有丰田汉兰达（23.98-30.68万）、福特锐界（22.98-30.98万）、福特探险者（30.98-39.98万）、大众途昂（29.99-45.99万）、别克昂科旗（27.99-37.99万）、雪佛兰开拓者（22.99-32.99万），当然还有之前我们聊过的六缸大自吸现代帕里斯帝（29.88-32.98万）。你会发现，这个价位的合资SUV，至少已是7座中型SUV的级别，甚至像探险者、途昂、昂科旗、开拓者和帕里斯帝这样的已经上至中大型SUV了。而在这些车当中，以30万左右裸车的预算，除了探险者和帕里斯帝你只能买到低配以外，其他车都已经可以买到中配、甚至高配了。并且，这些SUV相比傲虎来看，不仅通过性更好，收起第三排座椅后也有一定的装载能力，在家用层面，每一款车都更加符合主流群体的审美取向与使用习惯。但傲虎身上有一样特质是这些车没有的，那就是调性，最后选择傲虎的人，我只能说他们身上“生活的重担”压得还不够沉，花钱去彰显调性并不是谁都有条件做到的。同样的预算，再看一看豪华品牌紧凑型SUV，它们的中低配普遍比傲虎更便宜。比如宝马X1（27.98-33.98万）、凯迪拉克XT4（25.97-39.17万）、林肯冒险家（24.68-34.58万）、沃尔沃XC40（26.48-38.58万）、讴歌CDX（22.98-34.98万）。而且除了冒险家，其他车都有比较可观的优惠，动不动就好几万。你也许会说以上这些车都低了一个级别，没可比性。那么以同样的预算，你还可以买到优惠巨大的二线豪华中型SUV，凯迪拉克XT5全系最低配落地甚至已经跌到30万左右，比傲虎最低配的定价还便宜，再加个几万块甚至可以落地XT6了，这可是高一级别的6/7座中大型SUV。与此同时还有沃尔沃XC60，2.0T高功率的T5版本低配落地32万以内，也相当贴近傲虎裸车的定价。此外还有英菲尼迪QX50、路虎发现运动版、揽胜极光、讴歌RDX……它们的低配车型优惠后也都掉入了傲虎的价格区间之中，甚至更低。所以对比这些SUV车型来看，游走在夹缝之中的傲虎，其实并不能剩下多少的生存空间，看重实用性的客户，可以去选择合资7座的中型甚至中大型SUV，看重品牌力的客户，也有大把的豪华品牌SUV可选，以至于傲虎成为了一款无法吸引主流购买力的车，也注定是一款只属于少数人的大玩具。顺带一提，很多傲虎的潜在买家都在担心水平对置发动机的养护费用，这一点大可放心，因为水平对置发动机在日常维护保养的费用，与普通的发动机并没有什么特别大的差别，你需要担心的，更多是将来不巧发动机坏了需要大修，或者一些需要修理的配件没有库存，需要从海外发货，那么你就要面临漫长的等待。傲虎适合什么样的人？应该是什么样的人适合傲虎那么，什么样的人适合傲虎？我觉得答案一定是“少数人”，如果用一句话来概括傲虎这台车，那就是：傲虎这种SUV和旅行车的结合体，不一定样样都拔尖，但它每一样都会一点。按照常理来看，这种“中庸”的车型应该非常符合国内市场的胃口，因为这种车做的其实和丰田有异曲同工之妙，都是属于80分主义下的产物，可为什么斯巴鲁的接受度还是这么低？我觉得，这里面除了国内外文化差异的因素以外（旅行车的小众窘境，就是典型的由文化差异导致的结果），更多原因还是出在傲虎自己身上。首先，傲虎在国内的定价实在是没什么诚意，北美2.5L版本26000多美金起售，折合人民币17万多，同样标配EyeSight（但是美版配备的是EyeSight 3.0，国内是介于3.0和4.0之间的产品），拉到国内定一个31.28万起的售价。而我们之前聊过的现代帕里斯帝，北美32000多美金起售，折合人民币21万左右，在国内也只定到了29.88万起。同样都是进口车，帕里斯帝在北美起价还高了6000美金，相当于4万人民币，别忘了它还是3.5L的V6发动机，交着更高的排量税，结果回过头来定价和傲虎差不多，所以就让人有点看不懂，斯巴鲁玩的到底是哪一出？其次，全新傲虎并没有带来特别大的改变。除了外观变动、内饰升级，在发动机、变速箱、四驱系统上并没有肉眼可见的改进，这次最大的遗憾，就是没有引入新的2.4T水平对置发动机，但回过头想想，曾经2.0T的傲虎卖到了35.98万，如果2.4T引进了，按照斯巴鲁在傲虎上惯用的高冷定价风格，怕不是奔着40多万去了。至于和同价位SUV对比，傲虎产品力和性价比上的不足会被无限放大，摆在明面上的东西也没做好：过于保守的内饰、老旧的动力系统、羸弱的动力……同时对于绝大多数追求实用性的客户来说，进口车的维修保养反而是个累赘，而且2.5L的排量，会让自己每年的车船税都多交一点。对于主流消费者来说，以上不管是哪一样小问题，单拎出来一个就足够让消费者把傲虎从意向车型中移除，但是，傲虎作为同价位极少数的跨界旅行车，它身上所展现出的特殊性，确实能够取悦那些少数的、追求个性的消费者。所以，傲虎这台车在国内就变的很挑剔，而且不是你在挑傲虎的毛病，是傲虎在挑你适不适合做它的车主。音频图文更新在订阅号：百车全说每期抽三条留言，每人赠168元的“芥末绿”燃油添加剂一瓶点击订阅，每周三，周六更新会有提醒新听友可以搜索：百车全说2014，百车全说2015，百车全说2016，往期300多个小时的节目可供收听
《阴阳双剑》点击小黄条，玩刀哥同款手游，领88元红包，海量喜点，喜马拉雅VIP。输入刀哥专属礼包码：“VIP520”，升级更快，玩的更爽。关注“7477手游”微信公众号，输入“刀哥”更有神秘礼包免费送。公众号二维码※ 本文章发布于订阅号：百车全说，订阅号阅读更加方便，欢迎关注上次我们聊完旅行车之后，很多人在下面留言，想聊一聊斯巴鲁的傲虎，刚好在2021年3月3日的时候，全新斯巴鲁傲虎上市了，31.28万-33.08万的定价也是非常的傲娇，比之前2020款27.08万-31.08万的价格还涨了一些，让我猛然间有点看不懂斯巴鲁的定价策略。因为，斯巴鲁在中国其实是一个小众品牌，凭借进口车的身份，配合斯巴鲁旗下大名鼎鼎的翼豹WRX STI系列车型作为性能图腾，还有BRZ这种价格不高、但是乐趣十足的小跑车……这些产品的推出，加上水平对置发动机、高安全性和良好的四驱性能，使得斯巴鲁在中国一部分车迷心中积累了一定的口碑。当然，今天我们主要聊的还是这台全新推出的斯巴鲁傲虎。掰着指头算一算，第一代斯巴鲁傲虎从1994年在纽约车展上亮相，到现在已经是第六代车型了，比我们熟悉的奥迪Allroad系列的历史其实还要再早6年，而在奥迪Allroad正式亮相的2000年，斯巴鲁傲虎已经作为一款独立车型，从力狮车型系列里分离出来了，所以相比之下，其实斯巴鲁玩这种跨界旅行车可以说是行业老大哥的地位。可是，就是这样一位老大哥，为啥在国内市场越来越吃不开呢，到底是产品有问题还是市场政策有问题，又或者是那一句千年不变的“消费者不懂车”？带着这些问题，我自己也是小小的研究了一下，在此也与各位分享一下。全新傲虎到底新在哪？我们先来聊一聊这台新出的斯巴鲁傲虎，因为这台车的外观和内饰，相比过去确实是有了一定的升级，比如基于SGP平台打造、全新的外观设计语言、内饰竖向的11.6寸大屏、最新的EyeSight 4.0驾驶辅助系统……首先，我们来聊一聊这个SGP平台。斯巴鲁这个SGP平台，全称叫做“Subaru Global Platform”，这也是这么多年以来斯巴鲁车辆平台的首次更新，未来斯巴鲁的很多产品也都将出自这个平台，除了针对安全性、行驶性能、舒适性和环保方面进行提升之外，最为核心的就是在这套平台下诞生的产品，未来还会搭载多种类型的动力系统，包括汽油发动机、混合动力和纯电动力。简单来说，就是斯巴鲁这套SGP平台下的产物，在安全性方面会比以往更好，并且今后的动力总成的适配性更强。其次，我们来聊一聊全新傲虎的动力系统。之前很多人都说，对于斯巴鲁傲虎这台车，或者说对于所有的斯巴鲁出品的车辆，你永远不能光看它的表面，更要看它的内在，比如水平对置发动机、四驱系统等等，但是如果你看过或者开过之前老款2.0T版本的傲虎，你对现款车型最直观的感受肯定是“想当年猛虎有蛮力，看如今病虎不如鸡”。在2015年-2017年时候，斯巴鲁曾经推出过2.0T的傲虎（同期还有2.0T版本的力狮），发动机输出功率达到了241马力/350牛米，那个动力输出和现在这套169马力/252牛米的2.5L发动机简直是天壤之别，不过比较惨淡的是，之前2.0T版本的傲虎和力狮，在当年总共卖了也就不到500台。回到现款车型使用的2.5L发动机来看，很多人可能会疑惑，为什么这套发动机的排量看上去挺大的，但是账面上的动力输出就这么一点？其实原因很简单，就是因为技术太老了。我们都知道，斯巴鲁过去其实也有一套代号FB25的发动机，搭载在上一代傲虎和力狮上面，而上一代FB25的发动机的技术水平其实更加落后，只有进气侧AVCS（主动阀门控制系统）、PFI（燃油进气道喷射），而且还没有可变气门正时（VVI），换言之这套发动机实际的技术水平也就是2003年左右，比已经停产的锐志上的那颗5GR发动机还要老，而现在用的这颗2.5L发动机，主要的改变就是把之前FB25的燃油进气道喷射（PFI）换成了燃油直喷（GDI），而且这个新机头的直喷压力最多只有15Mpa，并不是现在流行的35Mpa高压直喷，然后斯巴鲁给这套发动机再加了一套排气侧AVCS，其他就没了。换言之，斯巴鲁就是把自家的旧棉袄拿出来，缝三年、补三年、缝缝补补又三年，看上去是在衣服上绣了几朵花，实际上还是那件旧棉袄。所以，现在这个2.5L发动机，其实就是一套十多年前发动机，进行细微优化后的产品，在总体上并没有做太大改进，而这就导致这颗发动机的燃烧模型比较古老，不管是排放还是功率，各个方面都不是很优秀，加上这颗发动机还采用的是低压直喷，所以尾气中的颗粒物比较难控制，进而在面对国6B排放标准的时候，需要加一套颗粒捕捉器，进一步牺牲性能，于是就有现在这个169马力/252牛米的数据。当然，斯巴鲁这么弄倒不是说轻视国内市场或者区别对待，因为这个2.5L版本的车型，在斯巴鲁最为重视的美国市场也是主力车型，只有在Onyx和Limited两个顶配版本上，才有那台无缘中国市场的2.4T发动机，而国内的斯巴鲁目前在卖的就这点车，也没有混动或者新能源车型来满足积分政策，面临国内巨大的排放双积分压力，斯巴鲁根本没有多余的正积分来引进一款搭载2.4T发动机的车型。除了这颗2.5L发动机之外，很多人其实还有一个疑惑点，那就是为啥斯巴鲁目前在售的车型都要用CVT变速箱？其实主要原因就是因为它的这套代号“ACT-4”的四驱系统，而目前斯巴鲁在售车型里采用的全时四驱系统中，这套系统不仅是历史是最长的，也是驱动力分配变动量最大的一套系统。这套ACT-4的四驱系统，在变速箱的后端装备了电控多片离合器式的限滑差速器来驱动前后轮，正常状态下的前后轮扭矩分配被设置在60:40，在行驶过程中，通过探测驱动轮的滑移量和发动机扭矩，这套四驱系统可以根据不同情况，能做到从完全前驱状态（100：0）一直调整到前后轴完全连接状态（50:50），所以，这套四驱系统可以看作类似于前置前驱车的特性，在湿滑路面行驶时，后轮哪怕是出现一点点滑动，车辆都能瞬间将中央差速器锁死变成前后轴完全连接的状态，以此来防止侧滑，再加上车辆动态控制系统（VDC）会在车辆即将失控的状况下及早介入，所以说这套系统最根本的目的，是确保在低摩擦力路面上行驶的可靠性和通过性，而不是追求运动性，因为斯巴鲁自家主打运动性的四驱系统，是搭载在WRX STI上面的DCCD全时四驱系统。虽然说斯巴鲁的这套四驱系统很不错，但是这个代号ACT-4的四驱系统有个BUG，就是变速箱和四驱系统是分不开的，所以在匹配的时候很麻烦（斯巴鲁原来用4AT用了好久），斯巴鲁本身就是个小厂，也没有那么多的人力、物力和精力去做复杂的匹配，而现在用的这套CVT变速箱使用了链条传动，可以承受很高的扭矩，这样就把CVT一个老大难的问题解决了，从而可以给动力更强的发动机装备，并且CVT变速箱不仅可以省油，平顺性也是相当不错，加上斯巴鲁为这套CVT变速箱，在运动模式逻辑、模拟档位、换挡拨片等等方面做了运动化调校，对于一般人来说，日常驾驶表现其实还是过得去的。当然，你如果想要更运动的性能，这样的CVT变速箱肯定是无法满足的，斯巴鲁其实也知道这个CVT无法满足更强的运动需求，所以你会发现，真正主打性能和运动的斯巴鲁车型，要么像BRZ那样用AT变速箱，要么和WRX STI那样用手动变速箱。其实这一点我觉得斯巴鲁做的还是挺有意思的，而且给我一种这家车厂就像是一家小饭店的感觉，首先他们的菜单里绝对不会出现什么鲍鱼、海参之类的高价菜，但是老板又有一些拿手的硬菜（比如WRX STI、BRZ），你如果只是想随便吃点，那菜单里也有一些家常小炒（森林人、力狮、傲虎），甚至还会有价格更低，但是也挺下饭的菜品（XV）。再者，我们来聊一聊这套EyeSight系统。我们都知道，斯巴鲁的这套EyeSight系统一直会和动力系统去做紧密的匹配和调校，上一代搭载涡轮发动机的斯巴鲁车型，在国内都没有配备EyeSight系统，主要原因就是斯巴鲁还没做好与涡轮车匹配的EyeSight系统。简单来说，斯巴鲁EyeSight驾驶辅助系统主要具备4项功能：防碰撞制动系统（PCB）、全车速自适应巡航控制系统（ACC）、起步油门误操作预防功能和警报与提示功能，其实本质上和本田的Honda Sensing类似，都是“视觉智能化科技”，属于给车辆提升附加值和安全性的产品，只是由于斯巴鲁很久都没有这种比较“时髦”的科技配置，促使这个EyeSight系统让不少人觉得很新奇。最后，不论斯巴鲁的产品究竟如何（其实还可以），任何一家车企都是以赚钱为目的，而斯巴鲁以目前现有的产品来看，似乎很难满足中国市场的需求，但是这就导致越不满足需求、销量就越低，销量不断走低之后，斯巴鲁估计自己也没啥兴趣去满足中国市场，万一造出来了还是卖不掉怎么办，大家都是出来卖的，谁也不愿意拿自己的销量去赌，斯巴鲁只要自己保证单车利润，能做到不亏钱，那就皆大欢喜，毕竟美国市场才是斯巴鲁的重中之重。况且，就算引入2.4T发动机，就算价格比现在定的再便宜一些，其实买的人估计也不会比现在能增加多少，斯巴鲁在中国基本上没什么钱去搞营销，整个销售体系在国内也被庞大集团一家独占，至于什么坚持、情怀、工匠精神……这些都只能说说而已，作为车企首要任务是赚钱活下去，看看当年的萨博，现在坟头都长草了。所以，与其去强行顺应市场作出一些改变，还不如先半死不活的造车卖车，等装备CB18发动机的傲虎和森林人进入国内之后，再通过与丰田的合作，实现CB18发动机与丰田THS混动技术的融合，通过混动车型的销售来满足积分需求，进而再引入口碑和招牌车型。在我看来，斯巴鲁这个品牌你说它聪明吧，它其实挺傻的，中国市场这么大一块蛋糕摆在它面前，结果自己不仅不会吃，而且连吃饭的家伙也跟不上，自己还要面对积分和油耗双重难题，弄的旗下招牌车型根本进不来。但是，你说斯巴鲁傻吧，它其实也挺聪明的，至少斯巴鲁明白，自己应该造个什么样的车，而不是像那个和它合作的日系厂家一样，在消费者看不见的地方偷偷摸摸的减配点东西，有点大智若愚的感觉，也算是小厂的坚持吧。斯巴鲁傲虎的竞争对手？没有！傲虎的竞争对手都有哪些？在30万左右的价位，很难找到一款像傲虎这么特殊的车。虽然很多网站都将傲虎归类为中型SUV，但我觉得这并不贴切，准确来说这是一款介于轿车与SUV之间的中型跨界旅行车，同理，自家的XV是低一级别的紧凑型跨界旅行车，斯巴鲁在售的只有森林人是非常标准的SUV。如果非要说傲虎像什么，它很像奥迪的Allroad系列和沃尔沃的Cross Country系列，既保留了轿车的驾驶感、操控感，同时兼具SUV的高通过性。但即使是这两个系列中最便宜的A4 allroad quattro探索家（41.88万）和V90 Cross Country B5 AWD智远版（44.79万），指导价都远超傲虎。即使是目前优惠巨大的V90CC智远版，裸车大概38万左右，落地也要43万左右，而中期改款后的A4 allroad去年底刚刚上市，优惠还没有到位，稍微带点配置就要奔着落地45万去了。所以，傲虎在这个价位没有直接竞争对手。有意思的是，选择傲虎的人，当初很多是在同价位的SUV中纠结，而非看上去更相似的旅行车。也许每一位傲虎车主都有一颗“撒野”的心，他们更加在意通过性，大多数旅行车是没有通过性可言的，而傲虎在通过性和装载性上都得到了相应的保证，唯一美中不足的，就是这台车在驾驶的时候，你会有一种这不像一台斯巴鲁的感觉，因为斯巴鲁引以为豪的就是水平对置发动机带来的低重心，但是傲虎为了保证离地间隙和通过性，把离地高度弄的挺高的，所以这也带来了一个矛盾点，想越野这台车性能又不是特别够，想在城市道路或者高速路去跑，又没有传统的旅行车那么舒服，只有在非铺装路面或者坑洼路面上，才能比较好的体会这台车到底“香”在哪里。除了类似于斯巴鲁傲虎这样的旅行车之外，我们再来聊一聊，同价位可以买到什么样的SUV，因为傲虎这台车实际上就是在切旅行车和SUV之间的夹缝。以傲虎现在的售价来看，主流点的SUV有丰田汉兰达（23.98-30.68万）、福特锐界（22.98-30.98万）、福特探险者（30.98-39.98万）、大众途昂（29.99-45.99万）、别克昂科旗（27.99-37.99万）、雪佛兰开拓者（22.99-32.99万），当然还有之前我们聊过的六缸大自吸现代帕里斯帝（29.88-32.98万）。你会发现，这个价位的合资SUV，至少已是7座中型SUV的级别，甚至像探险者、途昂、昂科旗、开拓者和帕里斯帝这样的已经上至中大型SUV了。而在这些车当中，以30万左右裸车的预算，除了探险者和帕里斯帝你只能买到低配以外，其他车都已经可以买到中配、甚至高配了。并且，这些SUV相比傲虎来看，不仅通过性更好，收起第三排座椅后也有一定的装载能力，在家用层面，每一款车都更加符合主流群体的审美取向与使用习惯。但傲虎身上有一样特质是这些车没有的，那就是调性，最后选择傲虎的人，我只能说他们身上“生活的重担”压得还不够沉，花钱去彰显调性并不是谁都有条件做到的。同样的预算，再看一看豪华品牌紧凑型SUV，它们的中低配普遍比傲虎更便宜。比如宝马X1（27.98-33.98万）、凯迪拉克XT4（25.97-39.17万）、林肯冒险家（24.68-34.58万）、沃尔沃XC40（26.48-38.58万）、讴歌CDX（22.98-34.98万）。而且除了冒险家，其他车都有比较可观的优惠，动不动就好几万。你也许会说以上这些车都低了一个级别，没可比性。那么以同样的预算，你还可以买到优惠巨大的二线豪华中型SUV，凯迪拉克XT5全系最低配落地甚至已经跌到30万左右，比傲虎最低配的定价还便宜，再加个几万块甚至可以落地XT6了，这可是高一级别的6/7座中大型SUV。与此同时还有沃尔沃XC60，2.0T高功率的T5版本低配落地32万以内，也相当贴近傲虎裸车的定价。此外还有英菲尼迪QX50、路虎发现运动版、揽胜极光、讴歌RDX……它们的低配车型优惠后也都掉入了傲虎的价格区间之中，甚至更低。所以对比这些SUV车型来看，游走在夹缝之中的傲虎，其实并不能剩下多少的生存空间，看重实用性的客户，可以去选择合资7座的中型甚至中大型SUV，看重品牌力的客户，也有大把的豪华品牌SUV可选，以至于傲虎成为了一款无法吸引主流购买力的车，也注定是一款只属于少数人的大玩具。顺带一提，很多傲虎的潜在买家都在担心水平对置发动机的养护费用，这一点大可放心，因为水平对置发动机在日常维护保养的费用，与普通的发动机并没有什么特别大的差别，你需要担心的，更多是将来不巧发动机坏了需要大修，或者一些需要修理的配件没有库存，需要从海外发货，那么你就要面临漫长的等待。傲虎适合什么样的人？应该是什么样的人适合傲虎那么，什么样的人适合傲虎？我觉得答案一定是“少数人”，如果用一句话来概括傲虎这台车，那就是：傲虎这种SUV和旅行车的结合体，不一定样样都拔尖，但它每一样都会一点。按照常理来看，这种“中庸”的车型应该非常符合国内市场的胃口，因为这种车做的其实和丰田有异曲同工之妙，都是属于80分主义下的产物，可为什么斯巴鲁的接受度还是这么低？我觉得，这里面除了国内外文化差异的因素以外（旅行车的小众窘境，就是典型的由文化差异导致的结果），更多原因还是出在傲虎自己身上。首先，傲虎在国内的定价实在是没什么诚意，北美2.5L版本26000多美金起售，折合人民币17万多，同样标配EyeSight（但是美版配备的是EyeSight 3.0，国内是介于3.0和4.0之间的产品），拉到国内定一个31.28万起的售价。而我们之前聊过的现代帕里斯帝，北美32000多美金起售，折合人民币21万左右，在国内也只定到了29.88万起。同样都是进口车，帕里斯帝在北美起价还高了6000美金，相当于4万人民币，别忘了它还是3.5L的V6发动机，交着更高的排量税，结果回过头来定价和傲虎差不多，所以就让人有点看不懂，斯巴鲁玩的到底是哪一出？其次，全新傲虎并没有带来特别大的改变。除了外观变动、内饰升级，在发动机、变速箱、四驱系统上并没有肉眼可见的改进，这次最大的遗憾，就是没有引入新的2.4T水平对置发动机，但回过头想想，曾经2.0T的傲虎卖到了35.98万，如果2.4T引进了，按照斯巴鲁在傲虎上惯用的高冷定价风格，怕不是奔着40多万去了。至于和同价位SUV对比，傲虎产品力和性价比上的不足会被无限放大，摆在明面上的东西也没做好：过于保守的内饰、老旧的动力系统、羸弱的动力……同时对于绝大多数追求实用性的客户来说，进口车的维修保养反而是个累赘，而且2.5L的排量，会让自己每年的车船税都多交一点。对于主流消费者来说，以上不管是哪一样小问题，单拎出来一个就足够让消费者把傲虎从意向车型中移除，但是，傲虎作为同价位极少数的跨界旅行车，它身上所展现出的特殊性，确实能够取悦那些少数的、追求个性的消费者。所以，傲虎这台车在国内就变的很挑剔，而且不是你在挑傲虎的毛病，是傲虎在挑你适不适合做它的车主。音频图文更新在订阅号：百车全说每期抽三条留言，每人赠168元的“芥末绿”燃油添加剂一瓶点击订阅，每周三，周六更新会有提醒新听友可以搜索：百车全说2014，百车全说2015，百车全说2016，往期300多个小时的节目可供收听
Lista de médicos que fazem tratamento precoce de Covid: https://artigos.alainuro.com/estilo-de-vida/dicas/medicos-fazendo-consulta-online-de-covid/ Os apoiadores do canal terão acesso a muito mais detalhes. Para se inscrever: https://alaindutra.com/clube Uma complicação do Covid que muitos ainda não conhecem é o entupimento de veias e artérias pelo Covid. Seu corpo é uma máquina maravilhosa e ela tem várias maneiras de evitar que você sangre até a morte se você sofrer um corte, por exemplo. Isso através da coagulação e cicatrização. Na maior parte do tempo essa capacidade do seu corpo de parar sangramentos e formar coágulos é fundamental para a vida. Mas tem momentos em que os médicos tem que intervir, porque a formação exagerada de coágulos pode matar uma pessoa. Infelizmente o Covid tem provocado várias complicações de coágulos exagerados. Isso devido ao estado de hipercoagulabilidade no corpo provocado pelo vírus. Em algumas pessoas pode por exemplo entupir as artérias coronárias provocando infarto, e em outras pode mesmo provocar trombose pulmonar ou AVCs isquêmicos. São necessários protocolos de prevenção que devem ser prescritos e acompanhados por um médico. Então o ideal é que você marque uma consulta e peça algum tipo de prevenção, se você já teve algum quadro de Covid, mesmo que tenha sido leve. Porque as complicações podem ocorrer mesmo após quadros suaves da doença. Mas uma opção são os anticoagulantes naturais que podem ser acompanhados por um médico da Medicina Natural. Existem alguns ingredientes achados na natureza que têm esse efeito. Infelizmente são muito menos estudados do que as suas contrapartidas sintéticas, do que os fármacos ou drogas, por razões obvias, já que não podem ser patenteados e explorados exclusivamente por uma só empresa por alguns anos. Outro grande problema é que se você estiver tomando anticoagulantes comuns de farmácia, não pode misturar com o manipulado concentrado obtido dos naturais, é uma coisa ou outra. Então é uma situação muito complicada, só use as opções aqui mencionadas se não tiver outra alternativa, melhor só usar os naturais como prevenção, ou se você estiver fazendo uso em acompanhamento com um médico naturalista. Nesse vídeo discutimos onze dessas opcões: - Número 1: As 8 formas de Vitamina E. - Número 2: Alho. - Número 3: Nattokinase. - Número 4: Curcumina. - Número 5: Gengibre - Número 6: Pimenta caiena. - Número 7: Óleo de fígado de bacalhau ou omega 3 em altas doses - Número 8: Pycnogenol - Número 9: Canela - Número 10: Ginkgo biloba - Número 11: Extrato de semente de uva. [REFERÊNCIAS] https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4619316/ https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6043915/ https://www.ncbi.nlm.nih.gov/pubmed/17213677 https://jamanetwork.com/journals/jamainternalmedicine/fullarticle/647744 https://www.ncbi.nlm.nih.gov/pubmed/22531131 https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3326760/ https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2716226/ https://nccih.nih.gov/health/grapeseed/ataglance.htm https://www.prnewswire.com/news-releases/study-shows-pycnogenol-reduces-risk-of-post-thrombotic-syndrome-and-recurrent-thrombosis-300724051.html ℂ
O médico e ex-prefeito de Guaranésia falou sobre os AVCs q sofreu nos últimos anos e agradeceu a população pelas orações para sua recuperação.
A covid-19, conhecida, até então, como uma síndrome respiratória, tem se mostrado muito mais complexa do que isso. Estudos realizados no Brasil e no mundo, mostram que o novo coronavírus também é capaz de invadir o sistema neurológico e cardiovascular, levando pacientes a problemas como perda de olfato, AVCs, insuficiência cardíaca e arritmias. Além disso, estão sendo estudados casos de pessoas que desenvolveram doenças neurológicas após serem curadas da Covid-19. Afinal, o que a ciência já sabe sobre a atuação do coronavírus em outros órgãos do corpo humano? Na edição de hoje, vamos conversar com o coordenador científico da Associação Paulista de Neurologia, Ronaldo Abraham, e com o presidente da Sociedade Brasileira de Cardiologia, Marcelo Queiroga. No quadro “Fique em Casa”, Renata Cafardo entrevista a cantora Izzy Gordon, sobre como está encarando o período de quarentena e autoisolamento.
A Dra Carla Giacominelli aborda temas do atendimento fonoaudiológico em doenças Neurológicas como TDAH, Parkinson, Alzheimer, Afasias Progressivas Primárias, AVCs e suas comorbidades como Disfagias, Disfonias, Problemas de Leitura e Escrita, Fala, Distúrbios Articulatórios, Memória e Linguagem e outros. Também nas avaliações Pré e Pós Cirúrgicas da EPC da Doença de Parkinson e da Oncologia Pré ,Inter e Pós Operatória. É ressaltada a importância na avaliação precoce, a estimulação, a reabilitação dos pacientes e o seguimento.
ARFs, AMRFs, AVCs, Annuities all form part of retirement planning, but as usual there's far more to it than products! Welcome back to Informed Decisions Finance Blog. As part of my own motive to share information and to help others with their financial education I am a volunteer representative of the CCPC (State body that aims to help consumers, check out their website - tons of useful resources). I was delivering a talk to a large group last week in Dundalk, at the end of which we have time for Q&A. What struck me was that most of the questions relate to retirement planning, and indeed how to ensure that the planning we do is effective and of value to us when we get to the 'spending' phase after retirement. What also struck me is that in the past I have typically varied our topics, jumping from beginning to invest, to managing existing investments, regular savings, borrowings, mindset, education etc. Based on feedback and also based on this recent experience the Blog will take a fairly heavy retirement-planning and indeed income-planning slant over the coming weeks at least. Having said that I hope to share ideas that are as relevant to those that are in 'accumulation' phase (mid-career) as much as it does to those that are in the 'spending' phase (retired or close to it!). Intro: I was talking to a friend of the family a few weeks back, recently retired and full of energy. This lady loves life, has a huge network of friends and family and is looking forward to hopefully many years of good times! When she asked me 'what are you doing these days' and I proceeded to tell her, she informed me that she has only 1 major regret, that she didn't plan a little better financially for her retirement. She doesn't have as much income as she would like in order to do the stuff she would like. It got me to thinking, about my own situation, and indeed of the situations of many people that I have come across over the years who have one eye on their graduation from full-time employment to a more leisure-based lifestyle! We all obviously have differing circumstances and different opportunities and constraints however there are at least 5 pretty common mistakes I have seen happen again and again. Here I share the culmination of those thoughts, into '5 common retirement planning mistakes', in the hope that they might be of value to you, or indeed to your loved-ones.
Two lads were standing at the bar of a Friday night in October....their kids put to bed, they gather for their monthly 'Fischers Friday' in their local pub! Lad #1: "Hey, they're telling me I should do this AVC pension in work" Lad #2: "Whats an AVC?? Sure do you not have a pension already in work?" Lad #1: "Eh, yeah I do yeah but yer one said I should set up this other one to give me more of a lump sum in 20 years!" Lad #2: "Sure jaysus you could be dead in 2, whats the point in doing an ABC or AVC or whatever it's called?!" Lad #1: "Yeah but she said that if I don't do it i'll miss out on a load of tax reliefs or somethin" Lad #2: "Tax relief me eye, sure if you put it all into the ABC thing you'd not be able to afford these pints your about to buy!" Lad #1: "Ha! But yer right, sure yer one was only trying to sell me stuff I suppose" Lad #2: "Damn right she was, them ones are all the same, pushy pushy, only interested in themselves, ya may tell her to shove her ABCs!" This wasn't our attempt at a Roddy Doyle sketch, moreso our interpretation of what we believe probably crosses people's minds when they are invited to look at AVCs! They might not verbalise it but they probably think it.....and to a degree they wouldn't be totally wrong! This week we were contacted by one of the national papers for our comments on AVCs; the pros and cons as it were. We gladly gave our views, and though it wasn't on the agenda this week we decided to do a piece on AVCs.......it's over-due in fairness! We are hoping to dig into the ABCs of AVCs a little, keeping it simple and looking at it slightly differently, as we do! Firstly, and as always, we are chuffed that you have checked out our award winning Irish Financial Planning & Money Management blog & podcast. We are on a mission to make financial planning accessible to Ireland's millennials! We ask for your help to spread the word, share the article with the little icons at the bottom, check out the podcast, and in general just be a huge fan of our little site! Be delighted if you checked out our why. So how about we look at that wee conversation above and take it line by line, figure out how right or no they are! Before we begin, in order for an AVC to be of any appeal to you, you need to have A) an understanding of what it is B) clarity on how it will benefit you (or not) in the long term & C) the disposable cash to put into it!.............................................www.informeddecisions.ie/podcast59
Tratando de tudo, de AVCs a traumas decorrentes de acidentes de carro, a neurocirurgiã Jocelyne Bloch sabe da inabilidade do cérebro para reparar a si mesmo completamente. Mas agora, ela sugere, pode ser que ela e seus colegas tenham encontrado o segredo para a reparação neural: células de cortisona duplas positivas. Semelhantes às células-tronco, elas são extremamente adaptáveis e, quando extraídas do cérebro, colocadas em cultura e então reinjetadas numa área lesionada desse mesmo cérebro, elas podem ajudar a repará-lo e a reconstruí-lo. "Com um pouco de ajuda", diz Bloch, "o cérebro pode conseguir ajudar a si próprio.".
Carnaval e outras celebrações,Os efeitos do desfile de Loulé,Energia e enxaquecas na RTP,Reviravoltas nos States,José Veiga ajuda crianças em África,Atentado tradicional na Irlanda,Mosquitos radioactivos,Exploração espacial coreana,Lápis azul do IGAC,Multas, passadeiras e AVCs,etc...
The Library Is Open: Orkut, Rebecca Glasscock, Sasha Belle, tongue pop e mini AVCs. O post #10 Untucked: Prancing Queens apareceu primeiro em The Library Is Open.
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