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.     

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.     

A representation theorem for weak automorphisms of a universal algebra

Given a group G and a descending chainG ₀,G ₁,...,G _n, of normal subgroups ofG, we prove that there exists a universal algebra , such that the chain ...W_n( )...W₁( }) W₀( )W( ) is isomorphic to the chain ...G _n ...G ₁G ₀G, where W( ) is the group of weak automorphisms of , and W_n( ) is the group of weak automorphisms of that leaves alln-ary operations fixed.We also prove that there are an infinite number of non-isomorphic algebras that satisfy the above.These results are a generalization of those proved by J. Sichler, in the special case when G=G₀, and G₁=G₂=...=G_n=....Presented by J. Mycielski.This paper comprises part of the author's doctoral dissertation at the University of Notre Dame in 1983. The author wishes to express her deep gratitude to Professor Abraham Goetz for suggesting this problem, for being extremely generous with his time and experience, and for giving her his constant encouragement. The author also thanks the reviewer for his helpful comments.     

Tale of the Breslow intermediate,a central player in N-heterocyclic carbene organocatalysis: then and now

N-Heterocyclic carbenes (NHCs) belong to the popular family of organocatalysts used in a wide range of reactions, including that for the synthesis of complex natural products and biologically active compounds. In their organocatalytic manifestation, NHCs are known to impart umpolung reactivity to aldehydes and ketones, which are then exploited in the generation of homoenolate, acyl anion, and enolate equivalents suitable for a plethora of reactions such as annulation, benzoin, Stetter, Claisen rearrangement, cycloaddition, and C–C and C–H bond functionalization reactions and so on. A common thread that runs through these NHC catalyzed reactions is the proposed involvement of an enaminol, also known as the Breslow intermediate, formed by the nucleophilic addition of an NHC to a carbonyl group of a suitable electrophile. In the emerging years of NHC catalysis, enaminol remained elusive and was largely considered a putative intermediate owing to the difficulties encountered in its isolation and characterization. However, in the last decade, synergistic efforts utilizing an array of computational and experimental techniques have helped in gaining important insights into the formation and characterization of Breslow intermediates. Computational studies have suggested that a direct 1,2-proton transfer within the initial zwitterionic intermediate, generated by the action of an NHC on the carbonyl carbon, is energetically prohibitive and hence the participation of other species capable of promoting an assisted proton transfer is more likely. The proton transfer assisted by additives (such as acids, bases, other species, or even a solvent) was found to ease the kinetics of formation of Breslow intermediates. These important details on the formation, in situ detection, isolation, and characterization of the Breslow intermediate are scattered over a series of reports spanning well over a decade, and we intend to consolidate them in this review and provide a critical assessment of these developments. Given the central role of the Breslow intermediate in organocatalytic reactions, this treatise is expected to serve as a valuable source of knowledge on the same.

Molecular insights on the formation, detection, and even isolation of the Breslow intermediate, which is the most important species in N-heterocyclic carbene (NHC) catalysis, as obtained from experimental and computational studies, are presented.     

Single‐step oxidative homocoupling of aryl Grignard reagents via Co(II), Ni(II) and Cu(II) Complexes under air

A simple catalytic system of direct synthesis for the symmetrical biaryls using catalytic amounts of Co(II), Ni(II) and Cu(II) complexes has been developed. The reaction system involves in situ synthesis of Grignard reagents. The complexes, containing bidentate Schiff base and dmit (2‐thioxo‐1,3‐dithiole‐4,5‐dithiolate) ligands, were compatible with diverse functionalities and afford a high yield of biaryls in a single step, proving to be promising catalysts in homocoupling reactions. Atmospheric oxygen is used as an oxidant which renders a green, simple and economical catalytic route. Copyright © 2014 John Wiley & Sons, Ltd.     

Nonspecific Effect of Double-Stranded (ds) RNA on Prophenoloxidase (proPO) Expression in Penaeus monodo n

RNA interference-mediated silencing is an effective way of controlling white spot syndrome virus (WSSV). However, the effect of RNAi on the innate immune mechanism is not well understood. Prophenoloxidase (proPO) is an important component of the shrimp innate immunity. In the present study, nonspecific effect of two double-stranded (ds)RNA-expressing constructs, one targeting vp28 gene of WSSV (pCMV-VP28-LH) and another targeting green fluorescent protein (GFP) (pCMV-GFP-LH) on proPO2 gene expression, is investigated. mRNA expression levels of proPO2 in hemocytes of DNA construct-injected shrimp were estimated using real-time PCR with elongation factor 1-α as internal control. Empty vector (pcDNA)-injected shrimp were used as experimental control. In pCMV-VP28-LH-injected shrimp, proPO2 showed significant upregulation until 48 h post-injection (p.i.). Similarly, pCMV-GFP-LH-injected animals showed high levels of expression until 72 h p.i. WSSV-challenged animals, compared to pcDNA-injected control group, showed no significant change in expression of the gene until 24 h. However, an increased expression was noticed at 48 h p.i. Our results suggest that neither the plasmids nor the long hairpin RNA expressed by the constructs has any nonspecific silencing effect on the proPO2 expression. On the contrary, the consistent upregulation of proPO2 observed in shrimp injected with dsRNA at early time-points indicates the possibility of nonspecific protection against WSSV infection.     

Scanning probe microscopy of graphene

A material with novel fundamental properties that challenge our current understanding is always exciting for research. If the novel properties extend to the realm of device engineering and promise a revolution in applications, then the scope of its research knows no bounds. The story of graphene, the two dimensional form of carbon, has followed this path. Graphene has been the subject of numerous experimental and theoretical investigations since 2004 when an elegant and a simple technique to make monolayer graphene set the stage for extensive research. Many other techniques to make graphene were developed in parallel to this technique. As graphene is replete with unique structural and electronic properties scanning probe microscopy has proved to be an exciting and a rewarding venture. In this review we discuss the findings of scanning probe microscopy and how it has served as an indispensable tool to understand the properties of graphene and further graphene research.     

Size dependent structural and magnetic behaviour of CaFe2O4

CaFe₂O₄ nanocrystalline powders were synthesized through sol–gel treatment in which the stoichiometric mixing of various nitrates involving calcium and iron in presence of citric acid was performed. Subsequently, the as prepared sample was annealed at various temperatures in order to obtain the fine distribution of size including the bulk counterpart. The samples were then characterized using powder X-ray diffraction followed by ⁵⁷Fe Mössbauer spectroscopy, SQUID as well as vibrating sample magnetometry. The results of spectroanalyses revealed that the samples were formed in single phase cubic spinel structure and exhibits room temperature superparamagnetism, except the bulk one, which crystallizes in characteristic orthorhombic structure of CaFe₂O₄ and displays trivial coercivity and remanent magnetization at room temperature.     

Thermal and mechanical properties of Th-30Zr alloy

Journal of Radioanalytical and Nuclear Chemistry - Literature studies reveal apaucity of data on the Th-Zr system. Investigations on the Th-30Zr alloy and its synthesis, microstructure and...     

Rhodium(III) catalyzed synthesis of isoquinolone fused azabicycles through C–H activation of N-pivaloyloxy benzamides

Herein we describe an efficient one pot strategy toward highly functionalized isoquinolone fused azabicycles having great synthetic potential via C–H activation of N-pivaloyloxy benzamides under very mild conditions. The reaction is accomplished at room temperature within one hour in good to excellent yields and is found to be compatible with a range of diazabicyclic olefins and benzamides. The present strategy offers an easy route for the synthesis of biologically relevant compounds which possess multiple points for divergent synthesis. N–N bond cleavage of synthesized compounds may enable their significant role as effective precursors for the preparation of diaminocyclopentane fused isoquinolones.