Dr. Thomas Rando, a renowned neurologist and stem cell biologist, has been named director of the Eli and Edythe Broad Center of Regenerative Medicine and Stem Cell Research at UCLA.

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We’ve all met older adults who seem younger, whose bodies and brains seem decades nimbler than their actual ages, and wondered, “What makes them different?” Despite the wide range of supplements and related products that claim, without scientific evidence, that they can turn back the years, the key to foiling Father Time may lie in the field of epigenetics.
Documents for a married couple – in 95% of cases, spouses applying for a mortgage become co-borrowers and are equally responsible for repaying the loan. Borrowers in a registered relationship must provide the same package of documents as the marriage certificate. When calculating the loan, the total family income will be taken into account, so a married couple can count on more favorable take control of your finances conditions. In the case of a co-borrower / guarantor, the parties to the transaction bear the same financial responsibility as the borrower, therefore, no less strict requirements are imposed on them. In addition to the standard list of documents for a mortgage, at the request of the bank, the guarantor is obliged to provide a tax return for the last year, a photocopy of the employment contract and a certificate in the form of 2-NDFL. … The co-borrower must, among other things, provide a pension insurance certificate.

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