Planning for Retirement, and the Role Employers Play

The purpose of this research report is to explore different types of retirement plans that are available to individuals, both company sponsored and non-company sponsored, and to identify issues that will help a potential investor to develop a better understanding of what should be considered in planning for retirement. This paper examines the regulations set by Congress to establish limitations for the investment of different retirement options. The report also considers the fall of Enron and the impact on its employees after the firm filed for bankruptcy. Secondary sources were used to bring a variety of points of view to the research. This research report can serve as a helpful guide for recent college graduates and anyone else whose goal is to begin saving for retirement.B.S. (Bachelor of Science

Issues in Evaluating Special Education Teachers: Challenges and Current Perspectives

Educatio

Strichartz estimates for the Schr\"odinger equation on polygonal domains

We prove Strichartz estimates with a loss of derivatives for the Schr\"odinger equation on polygonal domains with either Dirichlet or Neumann homogeneous boundary conditions. Using a standard doubling procedure, estimates the on polygon follow from those on Euclidean surfaces with conical singularities. We develop a Littlewood-Paley squarefunction estimate with respect to the spectrum of the Laplacian on these spaces. This allows us to reduce matters to proving estimates at each frequency scale. The problem can be localized in space provided the time intervals are sufficiently small. Strichartz estimates then follow from a result of the second author regarding the Schr\"odinger equation on the Euclidean cone.Comment: 12 page

Hubble Frontier Field Free-Form Mass Mapping of the Massive Multiple-Merging Cluster MACSJ0717.5+3745

We examine the latest data on the cluster MACSJ0717.5+3745 from the Hubble Frontier Fields campaign. The critically lensed area is the largest known of any lens and very irregular making it a challenge for parametric modelling. Using our Free-Form method we obtain an accurate solution, identify here many new sets of multiple images, doubling the number of constraints and improving the reconstruction of the dark matter distribution. Our reconstructed mass map shows several distinct central substructures with shallow density profiles, clarifying earlier work and defining well the relation between the dark matter distribution and the luminous and X-ray peaks within the critically lensed region. Using our free-form method, we are able to meaningfully subtract the mass contribution from cluster members to the deflection field to trace the smoothly distributed cluster dark matter distribution. We find 4 distinct concentrations, 3 of which are coincident with the luminous matter. The fourth peak has a significant offset from both the closest luminous and X-ray peaks. These findings, together with dynamical data from the motions of galaxies and gas will be important for uncovering the potentially important implications of this extremely massive and intriguing system.Comment: 16 pages, 10 figures, 2 tables. Matches the verson submitted to mnras. New table (A2) included with additional system candidate

A Rigorous Free-form Lens Model of Abell 2744 to Meet the Hubble Frontier Fields Challenge

Hubble Frontier Fields (HFF) imaging of the most powerful lensing clusters provides access to the most magnified distant galaxies. The challenge is to construct lens models capable of describing these complex massive, merging clusters so that individual lensed systems can be reliably identified and their intrinsic properties accurately derived. We apply the free-form lensing method (WSLAP+) to A2744, providing a model independent map of the cluster mass, magnification, and geometric distance estimates to multiply-lensed sources. We solve simultaneously for a smooth cluster component on a pixel grid, together with local deflections by the cluster member galaxies. Combining model prediction with photometric redshift measurements, we correct and complete several systems recently claimed, and identify 4 new systems - totalling 65 images of 21 systems spanning a redshift range of 1.4<z<9.8. The reconstructed mass shows small enhancements in the directions where significant amounts of hot plasma can be seen in X-ray. We compare photometric redshifts with "geometric redshifts", finding a high level of self-consistency. We find excellent agreement between predicted and observed fluxes - with a best-fit slope of 0.999+-0.013 and an RMS of ~0.25 mag, demonstrating that our magnification correction of the lensed background galaxies is very reliable. Intriguingly, few multiply-lensed galaxies are detected beyond z~7.0, despite the high magnification and the limiting redshift of z~11.5 permitted by the HFF filters. With the additional HFF clusters we can better examine the plausibility of any pronounced high-z deficit, with potentially important implications for the reionization epoch and the nature of dark matter.Comment: Accepted for publication in ApJ with newly identified lensed images in complete HFF dat

The Effects of Completing PREP Academy: A University-Based Transition Project for Students with Disabilities (Practice Brief)

This practice brief provides an overview of a project designed to support students with disabilities considering postsecondary education. Postsecondary Rewarding Education is Possible (PREP) Academy was developed by individuals from a state vocational rehabilitation agency and a public research university. PREP Academy is a campus-based, weeklong experience in which students participate in activities designed to mirror the “college experience.” In an evaluation of the project’s second year, a total of 23 students and six parents/guardians completed a pre- and post-survey to examine how attending the project affected students’ perceptions related to students attending college. Interview data from three student and parent/guardian pairs were collected to further explore students’ perceptions and to learn what components of the project were most beneficial. Results provided evidence both students and parents/guardians believe students are better prepared to attend college after participating. An emerging theme related to increasing the project’s emphasis on mirroring aspects of college was identified

A Free-Form Prediction for the Reappearance of Supernova Refsdal in the Hubble Frontier Fields Cluster MACSJ1149.5+2223

The massive cluster MACSJ1149.5+2223(z=0.544) displays five very large lensed images of a well resolved spiral galaxy at $z_{\rm spect}=1.491$. It is within one of these images that the first example of a multiply-lensed supernova has been detected recently as part of the Grism Lens-Amplified Survey from Space. The depth of this data also reveals many HII regions within the lensed spiral galaxy which we identify between the five counter-images. Here we expand the capability of our free-form method to incorporate these HII regions locally, with other reliable lensed galaxies added for a global solution. This improved accuracy allows us to estimate when the Refsdal supernova will appear within the other lensed images of the spiral galaxy to an accuracy of $\sim$ 7\%. We predict this supernova will reappear in one of the counter-images (RA=11:49:36.025, DEC=+22:23:48.11, J2000) and on November 1$^{st}$ 2015 (with an estimated error of $\pm$ 25 days) it will be at the same phase as it was when it was originally discovered, offering a unique opportunity to study the early phases of this supernova and to examine the consistency of the mass model and the cosmological model that have an impact on the time delay prediction.Comment: 12 images, 11 pages. Mateches accepted version in MNRAS. MNRAS in pres