Can “compulsory” annuities provide a fair pension?

This discussion paper finds that since 2002 compulsory annuities no longer provide an actuarially fair pension. Hence annuities are a poor investment giving returns of less than 85% in present value terms. The paper uses a data base of annuity rates collected from MoneyFacts monthly reports since 1994. This includes all products available on the market for Male Only aged 55 to 75 in 5 year increments. The present value of future annuity streams and their resultant moneys worth values (MW) are calculated and analysed, with particular attention to the actuarial aspects. The approach and results are independently confirmed giving a high degree of confidence in the findings. The analysis progresses on from the literature review of recent published work The paper plots historic trends of annuity payout rates and their MW values and highlights some significant characteristics of the annuity market. While annuity rates can be expected to fall as life expectation rises no logical reason can be found to also justify the recent and significant reduction in their MW value below the actuarially fair value of 1.0. This research provides a valuable insight for developing strategies to guide the pensioner when formulating his income drawdown plans, especially in the light of. recent A-day changes

Programas y Estrategias referentes al Retorno asistido y reintegración en terceros países. España

Este Informe Nacional aporta una visión general de los programas y estrategias de retorno asistido en España. Analiza las experiencias de promoción del retorno asistido, las barreras que impiden su aplicación y los incentivos y motivaciones para participar en dichos programas. Por último, realiza una revisión de la sostenibilidad de los programas. Informe elaborado por el punto de Contacto Nacional de España en la Red Europea de Migraciones- Septiembre 2009.Ministerio de Trabajo e Inmigración. Ministerio del Interior. Ministerio de Asuntos Exteriores y Cooperación. Ministerio de Justici

Subclinical nephrotoxicity associated with occupational silica exposure among male Kenyan industrial workers

Objective: To determine early signs of renal injury due to occupational silica exposure. Design: Cross-sectional analytical research.Settings: Kenyatta National Hospital for the referent population and Clayworks ceramics, bricks and tiles factory for the assessment of occupational silica exposure.Subjects: Thirty three non-smoking silica-exposed male industrial workers and 38 non-smoking male referents participated in this study.Results: Silica-exposed males excreted significantly increased levels of U.TP, U.Malb, U.ALP, U.y-GT and U.LDH compared to referent males. Among the silica-exposed males, U.Si negatively correlated significantly with age, U.TP correlated significantly to each of U.ALP and U.LDH. However, no correlation was observed between work duration and U.Si.Conclusion: The present study shows that there is associated glomerular and proximal tubular damage among silica exposed workers which is not duration related and is seemingly subclinical and nonprogressive and urinary silica levels appears to be similar in all groups and are not affected by exposure and work duration: the reason for which is unclear

Policing gender mobilities: interrogating the ‘feminisation of migration’ to Europe

This article proposes a gendered critique of the European Neighbourhood Policy, a framework that, amongst other things, aims to facilitate the mobility of migrants to the EU from the bordering countries. We highlight the ambivalences of European gender and migration regimes, and we take issue with the celebration of the ‘feminisation of migration’. The former fails to offer opportunities to women to safely embark on autonomous migratory projects, the latter contributes to reproduce traditional gender biases in the countries of origin as well as of destination. We conclude by suggesting that the EU critique to emigration countries for failing to tackle women’s discrimination is less than persuasive when assessed vis-á-vis with the curtailment on women’s independent mobility across European borders

Therapeutic DNA Vaccine Encoding Peptide P10 against Experimental Paracoccidioidomycosis

Paracoccidioidomycosis (PCM), caused by Paracoccidioides brasiliensis, is the most prevalent invasive fungal disease in South America. Systemic mycoses are the 10th most common cause of death among infectious diseases in Brazil and PCM is responsible for more than 50% of deaths due to fungal infections. PCM is typically treated with sulfonamides, amphotericin B or azoles, although complete eradication of the fungus may not occur and relapsing disease is frequently reported. A 15-mer peptide from the major diagnostic antigen gp43, named P10, can induce a strong T-CD4+ helper-1 immune response in mice. The TEPITOPE algorithm and experimental data have confirmed that most HLA-DR molecules can present P10, which suggests that P10 is a candidate antigen for a PCM vaccine. In the current work, the therapeutic efficacy of plasmid immunization with P10 and/or IL-12 inserts was tested in murine models of PCM. When given prior to or after infection with P. brasiliensis virulent Pb 18 isolate, plasmid-vaccination with P10 and/or IL-12 inserts successfully reduced the fungal burden in lungs of infected mice. In fact, intramuscular administration of a combination of plasmids expressing P10 and IL-12 given weekly for one month, followed by single injections every month for 3 months restored normal lung architecture and eradicated the fungus in mice that were infected one month prior to treatment. The data indicate that immunization with these plasmids is a powerful procedure for prevention and treatment of experimental PCM, with the perspective of being also effective in human patients

Microstructural evolution of 96.5Sn–3Ag–0.5Cu lead free solder reinforced with nickel-coated graphene reinforcements under large temperature gradient

This is an Open Access Article. It is published by Springer under the Creative Commons Attribution 4.0 International Licence (CC BY). Full details of this licence are available at: http://creativecommons.org/licenses/by/4.0/In this study, 96.5Sn–3Ag–0.5Cu (SAC305) lead-free composite solder containing graphene nanosheets (GNS) decorated with Ni nanoparticles (Ni-GNS) was prepared using a powder metallurgy method. A lab-made set-up and a corresponding Cu/solder/Cu sample design for assessing thermo-migration (TM) was established. The feasibility of this setup for TM stressing using an infrared thermal imaging method was verified; a temperature gradient in a solder joint was observed at 1240 K/cm. Microstructural evolution and diffusion of Cu in both plain and composite solder joints were then studied under TM stressing conditions. Compared to unreinforced SAC305 solder, the process of diffusion of Cu atoms in the composite solder joint was significantly reduced. The interfacial intermetallic compounds (IMCs) present in the composite solder joint also provide a more stable morphology after the TM test for 600 h. Furthermore, during the TM test, the Ni-GNS reinforcement affects the formation, migration and distribution of Ni–Cu–Sn and Cu–Sn IMCs by influencing the dissolution rate of Cu atoms

Understanding the clinical spectrum of complicated Plasmodium vivax malaria: a systematic review on the contributions of the Brazilian literature

The resurgence of the malaria eradication agenda and the increasing number of severe manifestation reports has contributed to a renewed interested in the Plasmodium vivax infection. It is the most geographically widespread parasite causing human malaria, with around 2.85 billion people living under risk of infection. The Brazilian Amazon region reports more than 50% of the malaria cases in Latin America and since 1990 there is a marked predominance of this species, responsible for 85% of cases in 2009. However, only a few complicated cases of P. vivax have been reported from this region. A systematic review of the Brazilian indexed and non-indexed literature on complicated cases of vivax malaria was performed including published articles, masters' dissertations, doctoral theses and national congresses' abstracts. The following information was retrieved: patient characteristics (demographic, presence of co-morbidities and, whenever possible, associated genetic disorders); description of each major clinical manifestation. As a result, 27 articles, 28 abstracts from scientific events' annals and 13 theses/dissertations were found, only after 1987. Most of the reported information was described in small case series and case reports of patients from all the Amazonian states, and also in travellers from Brazilian non-endemic areas. The more relevant clinical complications were anaemia, thrombocytopaenia, jaundice and acute respiratory distress syndrome, present in all age groups, in addition to other more rare clinical pictures. Complications in pregnant women were also reported. Acute and chronic co-morbidities were frequent, however death was occasional. Clinical atypical cases of malaria are more frequent than published in the indexed literature, probably due to a publication bias. In the Brazilian Amazon (considered to be a low to moderate intensity area of transmission), clinical data are in accordance with the recent findings of severity described in diverse P. vivax endemic areas (especially anaemia in Southeast Asia), however in this region both children and adults are affected. Finally, gaps of knowledge and areas for future research are opportunely pointed out