Understanding 401(k) plans

Questions about the future of the Social Security system continue to surface. As a result, interest in employer-sponsored retirement plans and other retirement investment options increases. But the restrictions and rules associated with various defined benefit plans such as 401(k), 403 (b), and 457 plans can be confusing, and these plans have risks of their own. The authors explore these plans and explain the need to view retirement savings as only one part of a portfolio.

Understanding 401(k) plans

Questions about the future of the Social Security system continue to surface. As a result, interest in employer-sponsored retirement plans and other retirement investment options increases. But the restrictions and rules associated with various defined benefit plans such as 401(k), 403 (b), and 457 plans can be confusing, and these plans have risks of their own. The authors explore these plans and explain the need to view retirement savings as only one part of a portfolio

Continuous flow synthesis of heterocycles: A recent update on the flow synthesis of indoles

Indole derivatives are among the most useful and interesting heterocycles employed in drug discovery and medicinal chemistry. In addition, flow chemistry and flow technology are changing the synthetic paradigm in the field of modern synthesis. In this review, the role of flow technology in the preparation of indole derivatives is showcased. Selected examples have been described with the aim to provide readers with an overview on the tactics and technologies used for targeting indole scaffolds

Straightforward Strategies for the Preparation of NH-Sulfoximines: A Serendipitous Story

Sulfoximines are emerging as valuable new isosteres for use in medicinal chemistry, with the potential to modulate physicochemical properties. Recent developments in synthetic strategy have made the unprotected ‘free’ NH-sulfoximine group more readily available, facilitating further study. This account reviews approaches to NH-sulfoximines, with a focus on our contribution to the field. Starting from the development of catalytic strategies involving transition metals, more sustainable metal-free processes has been discovered. In particular, the use of hypervalent iodine reagents to mediate NH transfer to sulfoxides is described, along with assessment of the substrate scope. Furthermore, a one pot strategy to convert sulfides directly to NH-sulfoximines is discussed, with N and O transfer occurring under the reaction conditions. Mechanistic evidence for the new procedures is included as well as relevant synthetic applications that further exemplify the potential of these approaches. 1. Introduction 2. Strategies to form NH-sulfoximines involving transition metal catalysts 3. Metal-free strategies to prepare NH-sulfoximines 4. Mechanistic evidence for the direct synthesis of NH-sulfoximines from sulfoxides and sulfides. 5. Further applications 6. Conclusion

Highly Chemoselective NH- and O-Transfer to Thiols Using Hypervalent Iodine Reagents: Synthesis of Sulfonimidates and Sulfonamides

Aryl thiols can be selectively converted to sulfonimidates or sulfonamides with three new S-X connections being made selectively in one pot. Using hypervalent iodine reagents in the presence of ammonium carbamate, NH- and O-groups are transferred under mild and practical conditions. Reducing the loading of ammonium carbamate changed the product distribution, converting the sulfonimidate to the sulfonamide. Studies into the possible intermediate species are presented, suggesting that multiple pathways may be possible via sulfinate esters, or related intermediates, with each species forming the same products

Customer Specific Transaction Risk Management in eCommerce

Increasing potential for turnover in e-commerce is inextricably linked with an increase in risk. Online retailers (e-tailers), aiming for a company-wide value orientation should manage this risk. However, current approaches to risk management either use average retail prices elevated by an overall risk premium or restrict the payment methods offered to customers. Thus, they neglect customer-specific value and risk attributes and leave turnover potentials unconsidered. To close this gap, an innovative valuation model is proposed in this contribution that integrates customer-specific risk and potential turnover. The approach presented evaluates different payment methods using their risk-turnover characteristic, provides a risk-adjusted decision basis for selecting payment methods and allows e-tailers to derive automated risk management decisions per customer and transaction without reducing turnover potential

Competition matters: using in vitro community models to study the impact of human skin bacteria on mosquito attraction

The human skin bacteria play an important role in the production of volatiles that attract mosquitoes. Using some of the most abundant human skin bacterial species, we created in vitro community models to assess whether increased microbial biodiversity could reduce human attractiveness to females of the dengue fever mosquito Aedes aegypti and whether co-culturing bacterial commensals affects overall attraction. More complex bacterial models were less attractive to female mosquitoes than the simplest models. For instance, the triple bacterial community model was approximately three times less attractive than Staphylococcus epidermidis alone. Our data show, for instance, that an in vitro community model mimicking the skin composition of a highly attractive individual to the anthropophilic Anopheles gambiae was also more attractive to anthropophilic Ae. aegypti than a community model mimicking the skin composition of a poorly attractive individual to An. gambiae. In line with these results, volatile analyses of the blends emitted by the different in vitro community models showed that the more complex models had lower emission overall. Effects on mosquito responses differed sharply when the different bacteria species were sharing the same resources used for growth, showing that either competition or commensalism may influence their relative growth, and that this consequently can influence mosquito responses. We conclude that studies on mosquito responses to skin volatiles need to take the microbial community into account

Delphi consensus on the current clinical and therapeutic knowledge on Anderson-Fabry disease

BACKGROUND: Management of Anderson-Fabry disease (AFD) is contentious, particularly regarding enzyme replacement therapy (ERT). We report results of a Delphi consensus panel on AFD management. METHODS: A survey to gauge consensus among AFD experts was distributed online and responses were analysed. Statements on: 1) diagnosis; 2) when starting ERT; 3) management of ERT infusion and adverse reactions; and 4) follow-up/monitoring response to therapy and progression of disease were included. Responses without consensus were discussed with an enlarged panel and modified to reach consensus. RESULTS: 15 experts responded to the survey. After plenary discussion among the enlarged panel, consensus was reached on most statements. Key points were the use of a target organ biopsy to show Gb3 deposits in symptomatic women with negative molecular analysis, the need for ERT in symptomatic women and in all patients with persistent signs and symptoms±organ damage. It was agreed to assess vital signs before ERT administration and use a 0.2μL filter on infusion to reduce the risk of adverse reactions, that serum should be drawn prior to the first infusion for anti-agalsidase antibody analysis to have a baseline value if a subsequent adverse reaction appears, and that pre-medication is required in those with prior infusion reactions. Holter ECG monitoring, cardiac and brain MRI, renal parameters, and abdominal ultrasound were considered important for the assessment of disease progression and response at ERT. CONCLUSIONS: This consensus supplies guidance to healthcare providers on best practice in the management of patients with AFD and indicates a need for more guidanc