A cataclysmic energy flare ripped through our galaxy, the Milky Way, about 3.5 million years ago, a team of astronomers say.They say the so-called Sifter flare started near the super massive black hole in the centre of the galaxy.The impact was felt 200,000 light-years away.The discovery that the Milky Way's centre was more dynamic than previously thought can lead to a complete reinterpretation of its evolution.Milky Way galaxy is warped and twisted, not flat"These results dramatically change our understanding of the Milky Way," says co-author Magma Guglielmo from the University of Sydney."We always thought about our Galaxy as an inactive galaxy, with a not so bright centre," she added. The flare created two enormous "ionisation ...
Jamie Grill | Getty ImagesSlow down as you pick out your employee benefits for next year. Your household finances could depend on it.Open enrollment season — a period in which employees update their insurance coverage and other perks for the upcoming year — is just around the corner.It's tempting to merely choose last year's insurance coverage and perks.About a third of employees polled by Prudential Financial decided to keep their benefits from the prior year, but did so after making an informed decision.The insurer polled 2,000 adults in August."People miss the mark when they stick with what they were doing before without double-checking their assumptions," said Kelley C. Long, CPA and member of the American Institute of CPAs' consumer financial education advocates."Most people set thei
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PeopleImages | DigitalVision | Getty ImagesStudents and their families are grappling with the cost of higher education, but here's one expense that might be a surprise: health care.The default option for many college students — especially if they're under age 26 — might be to remain on Mom and Dad's insurance, yet that may come with additional costs.For starters, will a parent's plan adequately cover a college student if he or she attends school out of state and has only out-of-network providers available? "If it's all out of network, it might be worth looking at other alternatives," said Scott Frank, a certified financial planner and founder of Stone Steps Financial in Encinitas, California.Before making changes to your medical coverage, assess your available options based on the monthly
POJCHEEWIN YAPRASERT PHOTOGRAPHY | Moment | Getty ImagesLet's face it, when it comes to storing important financial documents, a shoe box under your bed doesn't really cut it.Estate-planning documents — such as wills, trusts, living wills, medical directives and powers of attorney —are very important to you. So where do you keep them safely secured? And what about your digital assets, passwords and social media accounts?Jason Heath, a certified financial planner and managing director with Objective Financial Partners, reminds people that some states have public will registries, and there are private will registry companies, as well.More from FA Playbook:How fintech advances help financial advisorsCringeworthy mistakes advisors see clients makeAre collectibles for collecting or investing? "