Integrating long-term care insurance purchase decisions with saving and investment for retirement

Risk related to long-term care (LTC) is high for the elderly. Planning for LTC is now regarded as the ‘third leg’ of retirement planning. In this paper, planning for LTC is integrated with saving and investment decisions for an integrated approach to retirement planning. Optimal LTC insurance purchase decisions are obtained by developing a trade-off between post-retirement LTC costs and LTC insurance premiums paid and coverage received. Integrating insurance purchase with wealth evolution, consisting of saving and investment decisions, allows addressing affordability issues.Two-way branching models are used for the stochastic health events and asset returns. The problem, formulated as a nonlinearly constrained mixed-integer optimization problem, is solved using a heuristic. Sensitivity analyses are performed for initial health and wealth status. Some important aspects of an individual’s behavioral preferences are also addressed in this framework to provide more robust decision support.     

A new three-flavor oscillation solution of the solar neutrino deficit in <Emphasis Type="Italic">R</Emphasis>-parity violating supersymmetry

We present a solution of the solar neutrino deficit using three flavors of neutrinos and R-parity non-conserving supersymmetry. In this model, in vacuum, the is massless and unmixed, mass and mixing being restricted to the - sector only, which we choose in consistency with the requirements of the atmospheric neutrino anomaly. The flavor changing and flavor diagonal neutral currents present in the model and the three-flavor picture together produce an energy dependent resonance-induced - mixing in the sun. This mixing plays a key role in the new solution to the solar neutrino problem. The best fit to the solar neutrino rates and spectrum (1258-day SK and 241-day SNO data) requires a mass square difference of eV² in vacuum between the two lightest neutrinos. This solution cannot accommodate a significant day-night effect for solar neutrinos nor CP violation in terrestrial neutrino experiments. Received: 26 December 2001 / Revised version: 16 February 2002 / Published online: 26 July 2002     

Working group report: Neutrino and astroparticle physics

This is the report of neutrino and astroparticle physics working group at WHEPP-7. Discussions and work on CP violation in long baseline neutrino experiments, ultra high energy neutrinos, supernova neutrinos and water Cerenkov detectors are discussed.     

A Magnesium-Selective Ionophore Containing Four Amide Carbonyl Ligands Derived from L-Tartaric Acid and Axial Furano Oxygen Binding Sites

Octahedrally converging hexadentate macrocyclic receptors 1 and 2, based on L-tartaric acid and furanmoieties, were synthesized andtheir complexation properties studied. In this paper,magnesium ion selectivitiesdetermined by ISE experiments, chiroptical changes observedby circular dichroism(CD) on complexation, and association constants measuredby NMR titration arediscussed.     

PHOTODYNAMIC DAMAGE AND ITS REPAIR IN Vibrio cholerae

Abstract— Repair of photodynamic damage induced by acriflavine and visible light has been examined in three strains of Vibrio cholerae differing in their capabilities to repair ultraviolet (UV) light induced DN A damage. Excision repair deficient wild type cells of strain 154 are more sensitive to photodynamic treatment compared to repair proficient cells of strain 569B. However, no difference in their capabilities to repair of damage following photodynamic treatment can be detected. No single-strand breaks in the irradiated cell DNA are observed when the cell survival is more than 10%. Single-strand breaks observed at cell survival less than 5% are not dark repairable even in excision repair proficient wild type cells. Repair of membrane damage can partially account for the recovery observed at low doses. In contrast, radiation-sensitive mutant 569B_s cells which lack both excision and medium-dependent dark repair for UV-lesions are most efficient in repairing damage induced by photodynamic treatment.     

Synthetic,spectroscopic, and structural Studies on Lanthanide Complexes of Diphosphazane Dioxide Ligands

Lanthanide nitrate complexes of diphosphazane dioxides Ph₂P(O)N(Prⁱ)P(O)Ph₂ ( 1 ) and (PhO)₂P(O)N(Me)P(O)(OPh)₂ ( 2 ) have been synthesised and studied by conductometry, IR, multinuclear NMR spectroscopic methods and X-ray diffraction. Ligand 2 is accessible by two different methods, viz., by direct oxidation of the phosp(III)azane ligand or by starting from phosph(V)azane chloro precursor. The structure of 2 is confirmed by X-ray diffraction. Crystallographic data for 2 : Triclinic, Space group P1 , a = 10.078(1), b = 10.575(3), c = 12.364(4) Å, α = 75.70(2)°, α = 75.56(1)°, γ = 77.68(1)°, Z = 2, V = 1 220 ų; structure refined to R_F = 0.0459 on 3 495 data with F > 3σ(F). The diphosphazane dioxide ligand exhibits trans geometry in the solid state. The structure of a lanthanide complex, [Pr(NO₃)₃( 2 )₂] ( 14 ) is also determined by X-ray diffraction. Crystallographic data for 14 : Trigonal, Space group P3₂, a = b = 15.710(2), c = 40.067(2) Å, Z = 6, V = 8 564 ų; structure refined to R_F = 0.0430 on 8 077 data with F > 5σ(F). The two diphosphazane dioxide ligands and the nitrate groups are coordinated to praseodymium in a bidentate chelate fashion. The geometry around the ten coordinated metal is distorted bicapped square antiprism.     

Unusually stable molecular capsule formation of a tetraphenyleneurea cavitand

An unusually stable molecular capsule was formed by heating phenyleneurea-spanned resorcinarene cavitand with 4-methyl-N-p-tolylbenzamide. The molecular capsule behaved as a discrete molecular entity showing a cylindrical D(4d) structure and showed no guest exchange in toluene-d(8) even at 100 degrees C. [structure: see text]     

Mimicking transition metals in borrowing hydrogen from alcohols

Borrowing hydrogen from alcohols, storing it on a catalyst and subsequent transfer of the hydrogen from the catalyst to an in situ generated imine is the hallmark of a transition metal mediated catalytic N-alkylation of amines. However, such a borrowing hydrogen mechanism with a transition metal free catalytic system which stores hydrogen molecules in the catalyst backbone is yet to be established. Herein, we demonstrate that a phenalenyl ligand can imitate the role of transition metals in storing and transferring hydrogen molecules leading to borrowing hydrogen mediated alkylation of anilines by alcohols including a wide range of substrate scope. A close inspection of the mechanistic pathway by characterizing several intermediates through various spectroscopic techniques, deuterium labelling experiments, and DFT study concluded that the phenalenyl radical based backbone sequentially adds H⁺, H˙ and an electron through a dearomatization process which are subsequently used as reducing equivalents to the C–N double bond in a catalytic fashion.

An efficient method is developed for harvesting hydrogen, its storage and catalytic transfer by an odd alternant hydrocarbon. The strategy is reminiscent of transition metals in borrowing hydrogen mediated processes.     

Extended inflation in higher-dimensional spacetime with a Brans-Dicke scalar field

Starting from an assumption of homogeneity of matter-energy tensor and Brans-Dicke (BD) scalar field we obtain a Robertson-Walker type of metric form in five-dimensional spacetime with the essential difference that our model is spatially inhomogeneous. The model exhibits an interesting feature in that as we approach the centre of symmetry the compact dimension becomes very large, with the implication that the Kaluza-Klein excitations become very light when located there and that the origin may represent a singular concentration of matter with motion in the extra dimension. Following Wesson the effective 4D properties of matter from the 5D vacuum solutions are also briefly discussed. Assuming particular functional relationships between and as also between the scale factor and scalar field, we obtain exact solutions which may be of relevance to the early universe and its extended inflation in the BD type of theory. We also discuss very briefly rollover time immediately after tunneling to the true vacuum state to explore if dimensionality has any marked influence on the situation.