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Reopening A Window to Space

When Luis Quiroga-Nuñez, Ph.D was appointed director of Florida Tech’s Ortega Observatory and its primary tenant – a non-functioning, 32-inch telescope – in 2023, he decided it was time to provide astronomy students and others a window to space. The observatory is already a base for research across a spectrum of cosmic exploration through disciplines such as astronomy and astrophysics, heliophysics, planetary science and astrobiology. However, current students have yet to see the stars up close, as the aging telescope, commissioned in 2008, has sat dormant for the last several years. With restoration, the telescope could be a powerful tool to train students to use professional telescopes and make observations – critical skills that will help prepare them for their future careers. It soon became apparent, however, that this was no simple task. The restoration would necessitate reverse engineering on a large scale to even understand how to fix and upgrade the telescope, much less actually repair it. It would also, as Quiroga-Nuñez wisely recognized, be its own powerful educational opportunity, providing unique hands-on learning opportunities for students in the College of Engineering and Science. “We are an institute of technology. We have perfectly capable people, like these young students, ready to join hands-on projects, get crazy and start to be creative.” Luis Quiroga-Nuñez With various issues to tackle and eager to support home-grown expertise, Quiroga-Nuñez and Lee Caraway, Ph.D, an instructor in the department of electrical engineering and computer science, recruited students with varied backgrounds, from astronomy to electrical engineering and computer science. Students could apply what they learned in class and grow their portfolios with a real-world project, the sort of experiential learning that is a hallmark of a Florida Tech education. Some improvements have been made, but the project remains an exciting puzzle for students and faculty alike. Here’s how they are doing it. An Interdisciplinary Project In January 2023, Quiroga-Nuñez partnered with Caraway to rebuild the telescope from the inside out. They say the conversation started over lunch, sketching ideas on a napkin. With various issues to tackle and eager to support home-grown expertise, Caraway and Quiroga-Nuñez recruited students with varied backgrounds, from astronomy to engineering to computer science. “This is about as real-world as you can get without leaving school. We have this giant piece of technology that is not working. Figure out why,” said recent graduate Adrianna Agustin ’24, who helped update the telescope’s communication system. “All of those problem-solving skills will directly translate to wherever we go in the future.” The project’s multidisciplinary nature also boosts collaboration between both sides of the college. “We keep integrating different parts of the university and involving students in a project that we were blinded by,” Quiroga-Nuñez says. “We sit between the scientists and the engineers.” And there’s no shortage of tasks. In addition to the refurbishment, Quiroga-Nuñez and Caraway are also completing routine telescope maintenance, with students taking on adjacent projects around the observatory. With the telescope repair, each student is given their own task, such as redesigning a small clip that supports the dome’s electric current, reviewing the conditions of the finder’s lens or understanding how analog devices control the telescope’s focus. This allocation allows each student to claim their own individual contribution to the greater telescope puzzle. Opening a Time Capsule The telescope’s biggest issues were mechanical and electrical, all exacerbated by age. Its motors were decades old and naturally failing, Caraway said. These motors controlled the telescope’s right ascension and declination – essentially, its ability to move. The chaotic interior also involved multiple individual systems with dozens of wires. And the circuits controlling the motors, which dated back to the 1980s, were also failing due to age. As Caraway noted, his students are sweeping off “dust older than them.” “The technology back then simply did not exist to control the motors, run the diagnostics and make it all happen,” Caraway explained. “They’re not designed to run 30 years.” Additionally, the computer program that controlled the motors was outdated and did not meet to the university’s security requirements. Given all this, the team needed to develop a new communication system for the telescope, starting with the computer software. They decided instead of purchasing an upgraded computer system, they could build and program their own in-house from scratch. Next, once the new computer was up and running, it needed motors to command. Marisa Guerra ’24 worked on a senior design project involving a robotic arm whose motor structure was the same as the telescope’s. She crafted a blueprint for the telescope’s new motors using what she learned for her capstone project. At the same time, Agustin worked on developing a cleaner communication system between the computer to the motors. Her senior design research focused on electric vehicles and their internal circuit systems, and she could replicate something similar within the telescope – but not without digging through the decaying electronics first. “We had to reverse engineer and actually redraw the circuits, which was good practice because a lot of the time, for senior design at least, you don’t really have to design a new circuit. You are just kind of puzzle-piecing it together,” Agustin said. “But with this circuit, all of them were bad.” Using Guerra’s and Agustin’s senior design research, the team reprogrammed the telescope’s circuits. What once took 20 wires to operate now only takes two. They also reduced the weight of the telescope’s motors from 40 pounds to just 2 pounds. Once the communication system was finished, the team was just waiting for mobility. And on a day in Spring 2024, thanks to the refurbished system, they were able to create movement within the telescope for the first time in years. “I didn’t even know if that device could move internally,” Quiroga-Nuñez says. The moment was celebrated, but the team knew this success triggered a new challenge. It was time to tackle high astrometric precision – a crucial element of properly tracking movement in space. “We are pointing to tiny points in the sky. If we do not track that properly, we are going to be lost in the universe,” Quiroga-Nuñez says. The Value of Time Perfecting precise movement is expected to take some time, but that’s not a bad thing, Quiroga-Nuñez says. He believes that a lengthy timeline will offer more value in the long run because it will give even more students a chance to get involved. Besides, its primary purpose will be to teach students how to use a telescope and allow them to make observations and prepare for their future careers. Ultimately, Quiroga-Nuñez predicts that the telescope could pick up its first image from space in about a year if everything stays on track. However, the team still has a lot of ground within the telescope to uncover, with an unpredictable number of potential troubleshooting challenges. For example, while rebuilding the motor, they discovered that the internal mirror that illuminates the telescope’s visuals was in poor condition – it needed cleaning and new aluminum to reflect enough light to see the telescope’s imagery, Agustin explains. So, the team had to remove the mirror and ship it to New York for refurbishment – a process that took several months. Once the mirror is reinstalled, they can return to their quest for better precision. The mirror is just one example of unpredictability in reverse-engineering. Ultimately, dedicating more time to understanding and solving the unforeseen challenges allows more students to participate in the telescope’s journey, Quiroga-Nuñez says. “This is like a big Lego for them,” he says. “They are learning the process, and the students, I think, will have found a very valuable life experience.” If you're interested in connecting with Luis Quiroga-Nuñez, director of Florida Tech’s Ortega Observatory - simply contact  Adam Lowenstein, Director of Media Communications at Florida Institute of Technology at adam@fit.edu to arrange an interview today.

From spacesuits to style icons: University of Delaware fashion grads make their mark on the industry

One of the best measures of a college program is where their alums land after graduation and beyond. In addition to the impressive list of soon-to-be degree holders who have already landed excellent jobs, the University of Delaware's fashion and apparel studies program can boast a roster of alums who now have prominent positions with some of the industry's most iconic companies as well as major retailers. Faculty at UD can talk about the materials that make up the proverbial fabric of their hidden gem of a program on the campus in Newark, Delaware. A quick snapshot of what some of the alums are up to: • Two students who have developed materials for space programs, including one who developed spacesuit textiles for future lunar missions. • A fashion merchandising graduate degree holder who now is a point person for sustainability at Tapestry, the home of iconic brands like Coach and Kate Spade. • High ranking executive at Target Brands. • An alum with a resume that includes Ralph Lauren and now Steve Madden. • Textile assistant with The Kasper Group, whose portfolio includes Nine West, Anne Klein, Kasper, Le Suit and Jones New York. Among this year's graduates is a star field hockey player from Argentina who landed a job at fashion retailer Moda Operandi; an award-winning student who will continue her pursuit of "changing the world" and making the fashion industry more sustainable as a graduate student at UD; and an entrepreneurship minor who paired her experience playing volleyball with design research that resulted in more comfortable apparel for athletes. To speak to one of these past or future graduates, contact mediarelations@udel.edu. Faculty from the program are also available for interviews: Huantian Cao, professor and department chair; Sheng Lu, professor and graduate director; and Brenda Shaffer, associate chair and undergraduate director.

Retirement: For Better, For Worse, and for Much More Time Together

Retirement is supposed to be your golden reward—freedom from alarm clocks, endless Zoom meetings, and performance reviews. But no one warned you about the relationship performance review that arises when you and your partner suddenly find yourselves spending over 100 hours a week together. For some, it’s bliss; for others, it feels like a full-time job without an HR department. While grey divorce (divorce after age 50) is on the rise in Canada, separation isn’t inevitable. However, marital harmony is also not guaranteed. The truth lies somewhere in between—and that’s where things become interesting.  Retirement isn't merely a lifestyle change—it’s a complete identity shake-up, which can create stress even in the strongest relationships. Grey Divorce: An Increasing Trend Though Canada’s overall divorce rate reached a 50-year low in 2020, divorce among people over 50 is increasing—this trend is dubbed grey divorce. According to Statistics Canada, this demographic is increasingly re-evaluating their relationships as they retire (CBC News, 2024). The same pattern is unfolding south of the border, with the AARP reporting a steady rise in senior divorces in the U.S. Grey divorce isn’t just emotionally taxing—it can be financially devastating. Women, in particular, bear the brunt. A study by the National Center for Family & Marriage Research found that divorced women over 50 have 45% less wealth than their married peers. In Canada, the Canadian Institute of Actuaries has warned that divorce later in life can significantly erode retirement savings and delay or derail financial plans. Role Confusion One retired executive shared that after decades of being chauffeured to work, he assumed retirement meant his wife would now be his driver. “I thought she’d just take over that role, as he climbed into the back seat,” he said, genuinely confused. She had other plans that did not involve sitting behind a wheel, taking coffee orders, or navigating roundabouts. He had not yet made the emotional or physical shift from being served to becoming equal. That transition is more complicated than it sounds—and more common than you'd think. When one partner’s identity is career-driven and the other manages the home, retirement necessitates a complete recalibration. Power dynamics shift, control issues surface, and resentment simmers if left unacknowledged. Housework ≠ Heartwork If you're home full-time now, guess what? You’re not a guest anymore. The dishes, the vacuuming, the grocery runs—these are now shared responsibilities. Nothing breeds resentment faster than an unequal workload. Retirement doesn’t mean “relax”; rather, it signifies redistributing the work of life. Unspoken truths will find their voice. Let’s face it—decades of unexpressed frustrations don’t remain buried. They begin to comment on how someone folds laundry, stacks the dishwasher, or leaves the cap off the toothpaste. Retirement magnifies everything: the quirks you used to laugh off? Mansplaining! What habits did you ignore because life was busy? Now they’re front and center. And what bad habits did you have before? They don’t improve with age—they get worse. Emotional and Mental Health Insights Relationship difficulties can trigger anxiety, depression, and loneliness, especially among men who may have smaller support networks outside their marriages. A 2020 study in the Journal of Gerontology found that post-divorce social isolation is closely linked to declining physical and mental health in later life. Not all couples want to—or need to—divorce to find peace. Increasingly, older Canadians are exploring “Living Apart Together” (LAT) arrangements, where partners maintain separate residences while remaining in a committed relationship. Research by the Vanier Institute and AARP suggests that LAT relationships allow for autonomy while maintaining emotional connection—a potential middle ground for couples who struggle with full-time togetherness in retirement. For many, retirement means the loss of structure, identity, and purpose, particularly for those who have closely tied their sense of self to their professional roles. This loss can create irritability, aimlessness, and tension in a partnership. As Harvard Business Review put it, retirement can be especially tough for men because “so many men are bad at retirement” (HBR, 2021). This emotional void often spills over into the relationship, testing its resilience. Retirement often brings a sudden reshuffling of roles at home. Many men who may have spent decades focused on their careers struggle to adjust to a more balanced domestic lifestyle. The Canadian Centre for Policy Alternatives notes that retirement can expose long-standing gendered inequalities in household labour, leading to friction, resentment, and, at times, relationship breakdown. How to Thrive—Together or Apart The goal isn’t perfection; it’s peace, fulfillment, and ample personal space to breathe. Here’s how to get there: creatively, practically, and honestly. 1. Have the Real Conversations Ask the questions you avoided when life was too busy: • “Are we happy?” • “What do you want out of the next ten years?” • “Are there things we’ve never talked about that matter now?” Unspoken expectations are relationship landmines. Bring them to light—gently and often. 2. Separate Bedrooms, United Front Don’t frown; they are more common than you might think and less scandalous than it sounds. Separate sleep equals better rest, less irritation, and sometimes a more intentional intimate life. Please don’t consider it a breakup; position it as a better mattress strategy. 3. The Basement Suite or In-Law Apartment Plan This represents the sweet spot between staying together and going entirely separate. Living in the same house with clearly defined zones provides each partner with breathing room and independence, especially when you’ve grown apart but don’t want to disrupt finances or family. Ground rules are essential: • Who is responsible for what costs? • Shared meals or separate? • New partners—yay or nay? It’s not perfect, but it can be practical. 4. A Second Space: Cottage, Trailer, or Tiny Cabin A humble trailer or rustic cabin might save your marriage. It’s not about luxury—it’s about space, autonomy, and silence when needed. Whether alternating weekends or solo sabbaticals, having a backup place to go can restore harmony at home. 5. Travel Separately (Sometimes) One of you wants to hike Machu Picchu, while the other prefers to nap in Muskoka. You don’t have to compromise; you can take turns. Alternate between solo trips, friend getaways, or short solo retreats. You’ll both return refreshed—and more engaged. 6. Discover New Purpose (or Income) A restless, lost, or bored partner can quietly sabotage the household. Encourage: • Volunteering • Consulting or part-time work • Mentoring • Taking courses or teaching others • Rediscovering old passions If Divorce Is the Best Option At times, the most honest act is to end a marriage with kindness. If this is the only option, there are important factors to consider: Financial Reality Check • Assets will be divided, including the house, pensions, RRSPs, etc. • Expenses double: two homes, two insurance policies, and two fridges to stock. • Retirement income may not be sufficient for both lives. • Legal costs and timing matter more than ever now—because the time to recover financially is limited.  There are no pensions in tears. Therefore, if you choose this route, plan ahead. Family Impact • Adult children might feel shocked—or even angry. • Grandchildren can pose challenging questions. • Long-term friendships may weaken. • Shared traditions may require reinvention. This process can be amicable. A new term has emerged among women caring for their ill or aging ex-husbands: “Wasbands.” These women step up with empathy rather than obligation. Vows no longer bind them; instead, they are guided by compassion. Honestly, humanity wins in these situations. There is still love, respect, and history—even if it’s no longer romantic. That is not failure; it is growth. Rewrite the Rules Retirement is not a dead end; it’s a creative reawakening—if you approach it that way. Retirement is a significant life transition—not just financially, but relationally. Like any other chapter in life, it requires renegotiation, mutual respect, and a willingness to evolve. Some couples find deeper intimacy, while others redefine their relationships entirely. The good news? Whether it's under one roof or two, retirement can still be a time of connection, discovery, and, yes, romance. But it also requires some good, old-fashioned adulting. Yes, *adulting*—that modern word we usually reserve for paying bills, booking dental appointments, and reading the fine print. It turns out it’s equally essential in retirement. Emotional maturity, communication, boundary-setting, and a shared approach to evolving roles are all keys. Think of it like the Sonnet Insurance commercials that cheekily remind us adulting is hard but worth it. Retirement is also a factor, especially when approached with intention and a sense of humour. This is your last chapter. Make it a good one. Whether you stay together, sleep apart, live separately under one roof, or consciously uncouple, do it with clarity, kindness, and courage. The goal isn’t a perfect love story; it’s a fulfilling life for both of you. When in doubt, take a walk (alone if necessary). Share a joke. Communicate like adults. And for the love of long-term care insurance, remember: resentment compounds faster than interest. If you enjoyed this article or thought, “Oh wow, this is exactly what my friend/parent/relative needs to read,” please share it. You can also subscribe to the Retirement Literacy newsletter for more smart, candid, and occasionally cheeky insights on navigating life after full-time work. Let’s make retirement not just the end of work, but the start of something meaningful, fulfilling, and a little fabulous. Don’t Retire…Rewire! p.s. Know someone who’s about to retire?— Why not share this worksheet?  It’s the best pre-retirement checklist they never knew they needed. 6 Questions to Ask Before Retiring Together Retirement reshapes your schedule, your identity—and your relationship. Before you hand in your keycard, ask these candid questions with your partner.  Because the toughest part of retirement isn’t money—it’s time. And you’ll be spending a lot more of it together. 1. What Do You Want This Chapter of Life to Look Like? Dreams misaligned can lead to daily friction. Do you crave adventure while your partner seeks peace and quiet? Map it out—together. 2. How Much Time Do We Really Want to Spend Together? “Always together” sounds sweet—until it feels stifling. Define your ideal balance between shared time and personal space. 3. What Roles Are We Playing Now—And Do They Need to Change? Retirement often means rebalancing housework, caregiving, and emotional labor. What’s fair now that you’re both at home? 4. Are There Any Long-Standing Frustrations We’ve Avoided Talking About? Retirement shines a spotlight on old resentments. It's better to talk than to silently stew over how the dishwasher is loaded. 5. How Will We Handle Money Decisions as a Team? With changing income and more shared expenses, financial transparency and joint planning are more crucial than ever. 6. What Will Give Each of Us a Sense of Purpose—Individually? A restless or bored partner can bring tension into the home. Talk about passions, volunteer work, or part-time pursuits that bring meaning. Want more smart, candid insights?  Visit www.retirementliteracy.com to start rewriting your next chapter with clarity and confidence.

Astrophysicists Strike Gold

BATON ROUGE – Since the Big Bang, the early universe had hydrogen, helium, and a scant amount of lithium. Later, some heavier elements, including iron, were forged in stars. But one of the biggest mysteries in astrophysics is: How did the first elements heavier than iron, such as gold, get created and distributed throughout the universe? A new answer has come from an unexpected place – magnetars. Neutron stars are the collapsed cores of stars that have exploded. They are so dense that one teaspoon of neutron star material, on Earth, would weigh as much as a billion tons. A magnetar is a neutron star with an extremely powerful magnetic field. On rare occasions, magnetars release an enormous amount of high-energy radiation when they undergo “starquakes,” which, like earthquakes, fracture the neutron star’s crust. Starquakes may also be associated with powerful bursts of radiation called magnetar giant flares, which can even affect Earth’s atmosphere. Only three magnetar giant flares have been observed in the Milky Way and the nearby Large Magellanic Cloud, and seven from other nearby galaxies. Astrophysicist Eric Burns and his team of researchers at Louisiana State University in Baton Rouge study magnetars extensively through the observation of gamma-rays. These are the most energetic photons, most famous for turning Bruce Banner into the Incredible Hulk. Burns joined with researchers at Columbia University and other institutions to see if we could use gamma-rays to understand if magnetar giant flares forge the heaviest elements, and unexpectedly found the smoking-gun signature in decades-old data. The study, led by Anirudh Patel, a doctoral student at Columbia University in New York, is published in The Astrophysical Journal Letters. “It’s answering one of the questions of the century and solving a mystery using archival data that people had just forgotten about, demonstrating something that occurred when the Universe was younger,” said Burns. “Giant flares should occur just after the first stars died, meaning we have identified what could be the origin of the first gold in the universe.” How could gold be made at a magnetar? Patel and colleagues, including his advisor Brian Metzger, Professor at Columbia University and senior research scientist at the Flatiron Institute in New York, have been thinking about how radiation from giant flares could correspond to heavy elements forming there. This would happen through a “rapid process” of neutrons forging lighter atomic nuclei into heavier ones. Protons define the element’s identity on the periodic table: hydrogen has 1 proton, helium has 2, lithium has 3, and so on. Atoms also have neutrons which do not affect identity, but do add mass. Sometimes when an atom captures an extra neutron the atom becomes unstable and a nuclear decay process happens that converts a neutron into a proton, moving the atom forward on the periodic table. This is how, for example, a gold atom could take on an extra neutron and then transform into mercury. In the unique environment of a disrupted neutron star, in which the density of neutrons is extremely high, something even stranger happens: single atoms can rapidly capture so many neutrons that they undergo multiple decays, leading to the creation of a much heavier element like uranium. When astronomers observed the collision of two neutron stars in 2017 using NASA telescopes and the gravitational wave observatory LIGO, they confirmed that this event could have created gold, platinum, and other heavy elements. “LIGO tells us there was a merger of compact objects, and Fermi tells us there was a short gamma-ray burst. Together, we know that what we observed was the merging of two neutron stars, dramatically confirming the relationship,” said Burns. But neutron star mergers happen too late in the universe’s history to explain the earliest gold and other heavy elements. Finding secrets in old data At first, Metzger and colleagues thought that the easiest signature to study from the creation and distribution of heavy elements at a magnetar would appear in the visible and ultraviolet light, and published their predictions. But Burns in Louisiana wondered if there could be a gamma ray signal bright enough to be detected, too. He asked Metzger and Patel to work out what that signal could look like. Burns looked up the gamma ray data from the last giant flare that was observed, which was in December 2004. He realized that while scientists had explained the beginning of the outburst, they had also identified a smaller signal from the magnetar, in data from ESA (European Space Agency)’s INTEGRAL, a retired mission with NASA contributions. “It was noted at the time, but nobody had any conception of what it could be,” Burns said. Metzger remembers that Burns thought he and Patel were “pulling his leg” because the prediction from their team’s model so closely matched the mystery signal in the 2004 data. In other words, the gamma ray signal detected over 20 years ago corresponded to what thought it should look like when heavy elements are created and then distributed in a magnetar giant flare. "This is my favorite discovery I've contributed to,” said Burns. “My colleagues found this signal in the past, but nobody knew what it could be at the time. Once these models were ready, everything fit like a perfect puzzle, which is extremely rare in science." Researchers supported their conclusion using data from two NASA heliophysics missions: the retired RHESSI (Reuven Ramaty High Energy Solar Spectroscopic Imager) and the ongoing NASA Wind satellite, which had also observed the magnetar giant flare. Other collaborators on the new study included Jared Goldberg at the Flatiron Institute. Next steps in the magnetar gold rush Patel’s study estimates that magnetar giant flares could contribute about 10% of the total abundance of elements heavier than iron in the galaxy. Since magnetars existed relatively early in the history of the universe, the first gold could have been created this way. LSU PhD candidate Aaron Trigg, a NASA FINESST (Future Investigators in NASA Earth and Space Science and Technology) fellow, who works with Burns, is responsible for finding more magnetar giant flares to study. “These are gargantuan outbursts of energy from the strongest magnets in the Universe, which are powerful enough to affect Earth’s atmosphere,” said Burns. Trigg’s work will help us better understand these sources.” NASA’s forthcoming COSI (Compton Spectrometer and Imager) mission can follow up on these results. COSI, a wide-field gamma ray telescope, is expected to launch in 2027 and will study energetic phenomena in the cosmos, such as magnetar giant flares. COSI will be able to identify individual elements created in these events, providing a new advancement in understanding the origin of the elements. LSU is one of the lead science institutes for COSI. Burns and LSU Assistant Professor Michela Negro have key responsibilities in the mission, and Trigg is working through how best to study giant flares with COSI. These LSU astrophysicists will be growing their research group as they approach launch in 2027. “I have so many questions about the cosmos and our place in it,” said Trigg. “This research allows me to explore those questions and share the answers with the world.”

What's Your Retirement Plan B?

Chances are, you have seen the ups and downs in the financial markets, which can really cause seniors a lot of anxiety when looking at those portfolio statements. Add to that the ripple effects of the Canada-U.S. trade war, and it’s more essential than ever to have a Plan B. The Trade War Is Personal The Canada-U.S. trade tensions may appear to be a political issue, but their repercussions are directly impacting kitchen tables across the country. Inflation is increasing the cost of everyday essentials, while investments—on which many retirees depend for income—are suffering.  For those who cannot easily re-enter the workforce, this situation is more than just inconvenient. It’s stressful. Withdrawing investments during a market dip can permanently reduce your savings. Meanwhile, rising prices on everything from apples to arthritis medication stretch fixed incomes thinner than ever. This isn’t just about budgeting anymore —it's about building a wise financial safety net. Plan B Matters More in Retirement You’ve worked hard to reach this point. Retirement should be about freedom, not fear. However, having a backup plan is essential since there are limited ways to generate new income. Think of Plan B as your financial airbag — something you hope you never need, but you're grateful it's there when life encounters a bump. And let’s be honest: even the most well-padded retirement can use a little backup when the economy’s doing somersaults. The Simple Economics of Cashflow Managing your finances boils down to a straightforward equation: money in versus money out. Think of it as balancing a seesaw—on one side, you have your income (cash in), and on the other, your expenses (cash out). For seniors, especially those on a fixed income, keeping this balance is crucial. Boosting Your Income Even in retirement, there are ways to add a little extra to your “money in” side. This could be through part-time work, turning a hobby into a small business, or renting out unused space in your home. Every additional dollar earned can provide more breathing room in your budget. Another option for many Canadians, is right under their feet—their homes. Home equity can be a powerful tool, giving them access to funds without selling or downsizing. Here are some practical options you may want to consider: Home Equity Line of Credit (HELOC): If you qualify, a HELOC offers flexible access to funds and charges interest only on the amount you use. It’s perfect for short-term needs or emergency access. Remember, you’ll need to make monthly payments and provide proof of income to qualify. Manulife One is a creative and customizable solution that combines your mortgage, income, and savings into a single account. It allows you to borrow against your home with greater flexibility. Payments are required but can be made within the available limit. Qualifying is similar to a HELOC. Reverse Mortgage: For homeowners aged 55 and older, a reverse mortgage allows you to access your home equity without the need for monthly payments. The loan is repaid when you sell or move, providing you with freedom and cash flow while remaining in your home. These tools can help ensure you're not forced to withdraw from investments during market downturns, letting your money recover while you stay comfortable. Trimming Your Expenses On the flip side, reducing your “money out” can be equally, if not more, effective. Perhaps you have subscriptions you no longer use for streaming services or mobile phone plans. Or you find you are purchasing too many items at the store because you aren’t preparing a list. Or you are dining out multiple times a week. Remember, every dollar you don’t spend is a dollar saved. Let’s unpack this a bit more, looking at this from a tax perspective Understanding the After-Tax Advantage of Cost Reduction For seniors supplementing their income with part-time work, it’s crucial to recognize that reducing expenses can be more impactful than earning additional income, primarily due to the effects of taxation. For example, let’s consider part-time income at a marginal tax rate of 30%. -------------------------------------------------------------------------------------------------- • To have an extra $100 in your pocket after taxes, you’d need to earn approximately $142.86 before taxes. This is because 30% of $142.86 is $42.86, leaving you with $100 after tax. • Conversely, if you reduce your expenses by $100, you effectively save the full amount. There’s no tax on money you don’t spend. Why This Matters: Every dollar saved is equivalent to more than a dollar earned when considering taxes. This means that focusing on cost-saving measures can be a more efficient strategy for improving your financial situation than seeking additional taxable income. 3 Major Strategies to Help You Cut Costs Budgeting: Prioritize identifying and eliminating unnecessary expenses. Regularly review subscriptions, dining habits, and utility plans to find areas where you can cut back. Smart Shopping: Utilize discounts, loyalty programs, and bulk purchasing options to reduce spending on essentials. Tax Planning: Be aware of how additional income might affect your tax bracket and eligibility for income-tested benefits. Sometimes, earning more can inadvertently reduce certain government benefits. Saving Smart – Some Tips to Get Started Your Plan B doesn’t have to focus solely on earning more income or borrowing. Sometimes, the best backup plan begins with cutting the extras. Think of it as being retro cool — just like you were before it became trendy. Tip #1: Rethink Dining Out - A Once-A-Week Treat, Not a Routine I love to dine out. It’s great to leave the cooking to someone else, especially after a busy day. But this is also one of the fastest ways to drain your budget. In Toronto, the average cost of a casual dinner for two with wine is around $90–$120. Opt for a more upscale spot? You’re likely looking at $150+ after tax and tip. Savings Tips • Cutting out one dinner per week could save approximately $400–$500/month or $5,000–$6,000/year. • Think about hosting a monthly dinner with friends at home where everyone brings a dish. You’ll still enjoy social time—but for a fraction of the cost. Or maybe try organizing a game night. Perhaps it’s euchre or cribbage, or maybe charades they all have something in common (they don’t require a monthly fee). Organize a potluck to bring people together. Twister might be off the table (unless your chiropractor is on standby), but laughter and connection are always in season. • Also think about how you can share resources. From ride-shares to splitting bulk grocery purchases with a neighbor, the old-school approach of sharing is making a comeback. It’s like carpooling, but with avocados and streaming passwords. Tip #2 Review Your Subscriptions - What are you Really Using? Have you already binge-watched all the episodes of your favourite shows, but you are still paying for streaming services you haven’t used in months? Then it’s time to cancel some subscriptions. According to the Convergence Consulting Group The average Canadian household now spends $70–$90/month on streaming and digital services (Netflix, Disney+, Prime Video, Spotify, etc.). Many people are paying too much for mobile. According to the CRTC, the average Canadian pays $64/month for mobile service.  Seniors who negotiate can often reduce this to $35–$45/month—a 30–40% savings. Savings Tips: • Audit Your Subscriptions: Write down every monthly and yearly subscription you have. Even cutting or optimizing 2 or 3 could save $30–$50/month. • Cancel subscriptions you don’t use often. You can always resubscribe later. Instead of paying for four platforms and using a few, consider rotating through them one at a time. You’ll be surprised at how quickly you can catch up on your favorites. Many streaming platforms also offer free trials or cheaper, ad-supported versions. • Call Your Mobile Phone & Internet Carrier Once a Year. Most people don’t realize how much loyalty can cost them. New customers often get much better deals than long-standing ones. When you call, here are some questions to ask: “Am I on the best plan for my usage?” “Are there any promotions I qualify for?” “Can I get a loyalty discount?” “Do you offer special discounts for seniors?” Keep in mind there are also senior-specific mobile plans from carriers like Zoomer Wireless, Public Mobile, or SpeakOut. • Don’t be shy about taking your business elsewhere. Carriers don’t want to lose subscribers and have special offers designed to make you want to stay. You’d be surprised how quickly they "find" a discount. Savings Tip #3: Don’t Throw Out Those Flyers and Coupons With inflation pushing up grocery prices, shopping smart matters more than ever. According to Statistics Canada, the average Canadian household now spends $1,065/month on groceries. So, it may be time to pay attention to those grocery store flyers you used to throw out. While Canadian data on potential savings is limited, US studies show that flyers and couponing can reduce costs by 10–25% for groceries and other household items if used consistently. Savings Tips: • Use apps like Flipp or visit sites like Smart Canuks to find online flyers you may have missed. • Sign up for loyalty cards to access extra discounts. One of the most popular savings programs, PC Optimum, offers frequent discounts and helps you collect points at Shoppers Drug Mart and Loblaws. Also, remember to swipe loyalty cards at the pump; many gas retailers offer discounts that can add up. • Consider shopping at stores like Walmart, which have pricing-matching policies for identical items you find advertised elsewhere. Saving Tip #4: Cut the “Daily Habits” That Add Up Remember, it’s not just the big expenses—it’s the daily ones that sneak up on you. Let’s look at a few “seemingly small” indulgences as examples: • 3 Starbucks Grande Lattes ($6.45 + tax) x 3 days/week = $1,137/year • Take-Out Lunch (for $12 + Tax) x 3 days/week = $2,115/year That’s over $3,000/year in “small” daily purchases! Savings Tips: • Prepare Meals in Advance: Cooking larger portions and planning for leftovers can minimize the temptation of ordering takeout. Planning meals and shopping with a list can prevent impulse purchases and reduce food waste. • Embrace the Home Café Trend: Investing in a quality coffee maker and brewing your own coffee can add joy to your day but also reduce your costs. • Set a Food Budget: Establishing a clear budget for dining out and groceries helps you track expenses and make more mindful spending decisions. Try allocating specific amounts to avoid overspending. Saving Tip #5: Leverage Senior Discounts if you are 60+ From transit to museums to groceries and drugstores, there are dozens of businesses that offer 10–20% off for seniors—but they don’t always advertise it. Many stores also have a set day of the week for seniors' discounts. Consider this: A $50 weekly purchase with 20% off saves $10—over $500/year. Savings Tips: • Shoppers Drug Mart has a 20% Seniors Day on Thursdays (for those 65+) • Rexall offers a 20% discount on Tuesdays • Many major retailers (e.g., Canadian Tire, Sobeys) offer senior discounts that vary by location—ask at checkout.  Cineplex has special pricing for seniors plus seasonal promos like $5 Tuesdays if you want to take the grandkids with you. Saving Tip #6: Mind Your Utilities and Insurance Reviewing these bills once a year can result in hundreds of dollars saved.  Consider switching to time-of-use electricity plans, which are offered in most areas. Check to see when cheaper rates are offered during off-peak hours, and look at using appliances such as your clothes dryer on off-peak hours.  You can also lower your insurance premiums by looking at options such as raising your deductible (if you’re comfortable with the risk). Also, look at rates offered by providers for “pay as you drive” insurance, especially if you aren’t using your car a lot. Also, if you are not bundling your home and auto insurance, you may be missing out on some savings. Saving Tip #7: Buy & Sell Online Many items we need can be found for a fraction of the cost used on platforms such as Facebook Marketplace and Kijiji. And remember, buying a used item also saves on tax. Many retirees have extra furniture, tools, collectibles, or tech they don’t need. It's now easier than ever to declutter and turn these unused items into extra cash. It’s All About Small Changes and Big Rewards Recessions are hard on everyone, but especially on those living on fixed incomes. The good news is that there are plenty of smart, manageable ways to reduce expenses without giving up all the good things in life. By becoming a more conscious consumer and checking in on your spending habits once or twice a year, you can save thousands of dollars annually—money that can be redirected toward travel, gifts for grandkids, or, if nothing else, it just may calm your nerves. Another Tip: Don’t Wait — Timing Matters If this trade war continues, housing values may dip, which means the equity you can access could shrink. Getting your Plan B in place now ensures you lock in flexibility and peace of mind before things tighten up.  Remember, it’s easier to get approved for a HELOC or reverse mortgage when you don’t urgently need it. It's better to set it up and keep it on standby than to wait until it’s too late. Talk It Out Stress develops in silence. Speak to family and friends about your concerns. They may not have all the answers, but they’ll provide emotional support — and possibly assist with paperwork or technical hurdles. If you have senior loved ones, check in and ask how they’re feeling about rising costs and uncertainty. These conversations go a long way and might even lead to better solutions. This trade war isn’t solely about economics. It involves peace of mind, dignity, and stability in retirement. While it may not be the type of Plan B that preoccupies the younger generation, it is equally important — perhaps even more so. So, take a breath. Make a plan. Get creative with your budget, and look at ways to save. Tap into your home equity if necessary, and don’t hesitate to ask for help. With the right Plan B, you can face the future with confidence — and perhaps even enjoy a little fun along the way.  Here's a handy checklist to help you get started.   Quick Wins Checklist ❏ Cancel one unused subscription ❏ Call your mobile carrier for a better deal ❏ Bring lunch instead of dining out 1x/week ❏ Use a coupon or flyer on your next grocery trip ❏ Look for a senior discount before you pay ❏ Brew your coffee at home 3 days this week ❏ Research potential discounts on your car insurance (bundling or pay-as-you-drive options) ❏ Use your clothes dryer or other appliances during off-peak hours to save on electricity Don’t Retire … Re-Wire! Sue

Weird and complex life emerged on Earth as the planet's magnetic field gave way

The Earth’s magnetic field plays a key role in making the planet habitable. It shields lifeforms from harmful solar and cosmic radiation. It helps limit erosion of the atmosphere and keeps water from escaping into space. But new data show a prolonged near collapse of Earth’s magnetic field that took place some 575-565 million years ago coincided with the blossoming of macroscopic complex animal life. We now face the possibility of a new, unexpected twist in how life might relate to the magnetic field, says John A. Tarduno, the William R. Kenan Professor of Geophysics and the dean of research at the School of Arts and Sciences and the Hajim School of Engineering and Applied Sciences at the University of Rochester. “That twist could reach deep into Earth’s inner core,” says Tarduno, who recently wrote about the findings for Physics Today magazine. Tarduno is frequently cited by news outlets, like CNN, The Washington Post, and Smithsonian magazine, on matters related to the Earth’s inner core, or dynamo, and magnetic field. He can be reached at john.tarduno@rochester.edu.

Florida Tech Welcomes Visiting Australian Scholar to Aid in Antifouling Research

Florida Tech’s Center for Corrosion and Biofouling Control is welcoming a new teammate for the semester. Tamar Jamieson, a postdoctoral researcher hailing from Australia’s Flinders University, is in Melbourne, Fla. to collaborate on biofouling research with assistant professor of marine sciences Kelli Hunsucker and professor of oceanography and ocean engineering Geoffrey Swain. Biofouling is the growth of a bacterial film or larger marine life, such as barnacles, after an object’s surface is submerged in water. It can inhibit a ship’s functionality by creating drag and slowing it down, which forces the vessel to use more fuel and emit more greenhouse gases. Over the course of the semester, Jamieson will help Hunsucker’s team develop a collaborative experiment to test antifouling techniques, combining Jamieson’s expertise with that of the lab. “I’m excited to have someone here who has this kind of wealth of knowledge in her field,” Hunsucker said. “She’ll be able to use her knowledge to help move our research forward and then kind of in return, use our knowledge to help move hers forward.” The Center for Corrosion and Biofouling Control aims to understand and improve corrosion and biofouling control systems. Part of Hunsucker’s research involves evaluating materials that can protect surfaces, such as a ship’s hull, from unwanted growth. She is currently working with the U.S. Navy to see how antifouling techniques perform under different conditions. Jamieson’s research through Flinders’s ARC Training Centre for Biofilm Research & Innovation focuses on the small-scale microorganisms that make up biofilm. She also studies the genetic makeup of microbial communities, which Hunsucker wants to add to her own research. Jamieson is especially interested in learning how antifouling materials interact with local waters. Florida’s seascape is warmer than Australia’s, so fouling grows quicker here than it does there. She also wants to see how American antifouling materials vary from those used in Australia and collaborate on a versatile solution that can withstand a variety of conditions. “Materials that work well here will probably not work in other environments,” Jamieson said. “Seeing how to develop materials for all three environments will be an interesting pathway forward.” Hunsucker hopes this exchange will lead to even more collaboration with Flinders University. “The program that she’s involved with opens the door for collaborative efforts for us to maybe go to Australia in the future,” Hunsucker said. “Her colleagues can also similarly come back and work with us.” Jamieson’s scholarship is funded by the American Australian Association, a New York-based non-profit organization dedicated to deepening and strengthening ties between the United States and Australia. The South Australia Defense, Space and Cyber Scholarship funds scholars from the U.S. and South Australia undertaking Ph.D. or post-doctoral research in those fields. Kelli Hunsucker and Geoffrey Swain are available to speak with media. Contact Adam Lowenstein, Director of Media Communications at Florida Institute of Technology at adam@fit.edu to arrange an interview today.

Life Beyond Earth? Florida Tech's Expert's are Hoping SPHEREx Will Have The Answer

In March, NASA's SPHEREx — short for Spectro-Photometer for the History of the Universe, Epoch of Reionization and Ices Explorer — was launched to the skies and far into space. Its mission has received plentiful media coverage but demands the expert analysis of scholars like astrobiologist Manasvi Lingam, an assistant professor of aerospace, physics and space sciences at the Florida Institute of Technology.  The space telescope is designed to [operate] with unmatched clarity, gathering a big-picture view that will help scientists tackle questions about the origin of the universe itself, the galaxies within and life's essential ingredients wafting in our home galaxy, the Milky Way. While scientists have previously detected lots of complex organic molecules in the interstellar medium and protoplanetary disks, "we still do not know a lot about the actual abundances of useful building blocks," astrobiologist Manasvi Lingam of the Florida Institute of Technology told Space.com. That means scientists don't have strong constraints about how efficiently frozen water molecules are transferred from interstellar clouds to protoplanetary disks, where they would eventually be incorporated into newborn planets, he said. "This mission can improve the data, and help make better forecasts about the probability of the origin of life on those worlds." Looking to know more about Astrobiology and the work Manasvi Lingam is doing at Florida Tech? March 01 - Space.com Looking to know more about this latest NASA mission? Let us help. Astrobiologist Manasvi Lingam, author and assistant professor of aerospace, physics and space sciences at Florida Tech, is available to speak with media regarding this and related topics. Simply click on his icon now to arrange an interview.

Can we separate our work and home memories, 'Severance' style?

The hit Apple TV show 'Severance' offers a tempting alternative to balancing work and home life by using neural implants to entirely split the memories. But according to Carnegie Mellon University neuroscientist Dr. Alison Barth, this work-life separation is somewhat possible even without an implant. In an interview, Dr. Barth explains: "We all experience some compartmentalization between our private and our work lives. Having a different location where you work and play makes that easier, but the cues for 'life' and 'work' can be as simple as time of day, or what your computer screen looks like."  In addition, she says humans can "easily move in and out" of our work and personal worlds, and that there are many examples of people whose work and private lives are completely 'severed'. CMU neuroscientist Alison Barth shares her thoughts on the TV thriller Severance As far as the feasibility of technology to control our memories for us, Dr. Barth says: "I don't think that it is possible to program people so that they simply cannot access memories outside of a particular space and time."  And she further warns of the dangers of such a separation: "The potential for abuse and lack of accountability are horrifying. In Severance, the office workers have little notion of what their work is. It would be hard to hold them accountable in a court of law. Severance is perfectly suited to corporate malfeasance," she explained. Watch Alison Barth's CMU Experts video below to learn more about her research seeking to understand how experience transforms the properties of neurons to encode memory.

Expert Insight: Keeping the power on!

With extreme weather becoming more commonplace than a phenomenon, America's reliance on power and electricity has been in the spotlight. Unfortunately, it's not for its resilience and reliability, but for the vulnerability of millions of Americans with each passing weather event. Florida Tech's Ken Cummins contributed to a recent study published in PLOS Climate that examined how various extreme weather events threaten the power grid in the United States. Multiple studies have shown that power outages alone can increase threats to human health—from spoiled food to failing medical equipment to a loss of heat in winter. These threats become more dire when paired with severe weather. This kind of information could be useful to utility companies, which must allocate finite resources for maintenance and repair and make plans for a range of scenarios, said Ken Cummins, a researcher at the Florida Institute of Technology with experience in grid reliability who wasn’t involved in the research. (Cummins is a former science adviser to Eos.) But he cautioned that the specific infrastructure used by local electric utilities, which can vary significantly, is also an important factor.  “One thing that would be a problem in St. Louis might not be a problem in Denver or Omaha and would certainly be a different problem in New York City or Long Island,” he said. February 21 - EOS The same research got a lot of coverage across America and internationally. United Nations Office for Disaster Risk Reduction: ZME Science: This is a vital topic given the weight climate change and extreme weather are now placing on America's energy sector. If you're a journalist looking to cover this topic, let us help. Dr. Ken Cummins is a part-time Research Professor in the Department of Aerospace, Physics, and Space Sciences at Florida Institute of Technology. He is formally trained in statistical signal processing, modeling, and instrumentation. Ken is available to speak with media. Contact Adam Lowenstein, Director of Media Communications at Florida Institute of Technology at adam@fit.edu to arrange an interview today.