Tag Archives: Benefit Consultant Inc.

Leap Year 2016

leap year2016 is a leap year, meaning that February, the shortest month, has an extra day, bringing the year to 366 days. This notable event comes only every four years. Which means you have an extra 24 hours. So what will you do with yourself? How about heading to Disneyland for 24 hours straight, catching a movie, or spending the day skiing?

Lookups on the Web are taking a leap, including “leap day activities,” along with the quadrennial questions: “what is leap year,” “why is there a leap year” and “history of leap year.” Here, your guide to the day.

When is it? An extra day is added to the month of February every four years. This year, Leap Day is on Sunday, February 29.

Why we need Leap Day: Usually, our year is 365 days long. Except that it’s not: A full cycle of seasons is actually 365 days, 5 hours, 49 minutes, and 16 seconds long, or about 365.25 days. Over time, the extra quarter of a day adds up, and without Leap Day, the calendar would be one day out of sync with the seasons. After 30 years, it would be about a week off, and after 100 years, it would be nearly a month off.

Bing Quock, the assistant director of Morrison Planetarium at the California Academy of Sciences, explains, “Leap Day is added as a correction to the calendar so that it stays in sync with the seasons … that way, the seasons start on the same day from year to year to year.”

The history of Leap Year: Leap Year has been around for 2,000 years, since Julius Caesar created the 365-day calendar, although Caesar’s astronomer, Sosigenes, get s credit for adding an extra day in February every four years.

Leap Year babies probably have the biggest reason to rejoice — since they see their birthdate only once every four years.Yahoo! searches are in a festive mood with lookups on “leap year birthdays,” “leap year birthday cards,” and “leap year party ideas.”

If you prefer to mark the extra day on your couch, there’s always Leap Year,” the movie. The 2010 romantic comedy stars Amy Adams and is based on an Irish tradition that a man must say yes to a woman who proposes to him on Leap Day. NBC’s “30 Rock’s” alternative-universe idea was that Leap Day is celebrated like an actual holiday and even has a mascot, “Leap Day William” (Jim Carrey).

By Claudine Zap | Work + Money

Click here for a few facts and trivia about Leap Year!

Easter is over – so put down the chocolate!

Easter is over and even if you still have the bunny’s paws left to eat, have some mercy on the bunny… and your waistline!

There’s absolutely nothing wrong with enjoying a moderate amount of the “occasional foods” that each occasion delivers. When the occasion is over though, and particularly if you’re watching your weight, it’s time to resume everyday eating. Here in Australia there’s a danger of slipping into poor eating habits from Easter straight through to Anzac Day. It’s a great excuse — especially if you’re observing school holidays too. – What’s the point trying to lose weight when there’s more celebrating left to do in a couple of weeks time? It’s the attitude of anyone who doesn’t see their “diet” as an everyday way of eating — all the time for the rest of your life. It’s the “stop eating well, start eating well” approach that leads to extreme behavior, guilt and bad habits — the difference between having no birthday cake, enjoying a small piece of birthday cake and eating a piece of cake and the rest of it as well; the difference between denying yourself any Easter eggs, enjoying a couple of little ones, and eating every egg that comes within your grasp.

There will always be holidays, birthdays and other reasons to celebrate and it’s perfectly legitimate to do so. With regular exercise, healthy everyday eating and a moderate approach to occasional treats, we can enjoy the fruits (or foods) of every occasion without the guilt. So stop eating the eggs and buns, resume everyday eating practice and when Anzac day comes you can happily enjoy an Anzac cookie with your coffee.

Did you know?


There are more calories in a hot cross bun than in a 100gm chocolate egg, and that’s before you’ve added the butter! So while they may still be on sale and at a bargain price it’s best to exercise some restraint. And… speaking of exercise, there’s no better way to pull yourself out of post celebration blues than by taking yourself out to physically move — especially at this time of year. Autumn is a lovely season — the weather is cooler but the mornings are bright. A brisk walk for around an hour will burn off the total energy value of a whole hot cross bun, an opportunity indeed to undo some of the damage from the Easter weekend.


Article Written By Judy Davies

“Health Benefits” that are hidden in Green Apples

Fruits must be part of one’s daily diet. They contain a lot of vitamins and minerals that are essential for proper functioning of the body. There are immense green apple benefits which is discussed below.

Apple is also very nutritious. As the saying goes – an apple a day, keeps the doctor away and green applesmay help you with keeping your Health & Life Insurance premiums low too!  You need to think about your health which apples can help, but also make sure you have good financial health also.

Green apple is a favorite fruit of many. There are almost 7000 types of apple available in the world. The red apple is very popular as well as the green apple. Usually apples are sweet, but some are sour as well. The sour apples are used for cooking, refining it for the preparation of oil, as well as making wine. The green apple falls into the latter category.

Green apple has a green colored radiant skin and is sweet and sour in taste. It is very juicy also and very tasty to eat.

The green apple not only tastes good but as several benefits. Let us have a look at the benefits.

Green Apple Benefits

Some of the primary health benefits of green apple are:

  • Contains a lot of fiber, which is good for digestion.

  • The chances of colon cancer are less if one eats green apple.

  • Relieves constipation.

  • Beneficial in treating gout.

  • Useful in controlling diarrhea.

  • Reduces blood pressure.

  • Blood sugar gets stabilized.

  • Helps in treating rheumatism.

  • Improves one’s appetite.

  • It contains carbohydrates and therefore provides much energy.

  • It contains protein.

  • Has plenty of vitamins, such as Vitamin C, Vitamin A, Riboflavin, Vitamin B6 and it is one of the most prominent green apple benefits.

  • It also has plenty of minerals such as calcium, iron, magnesium, Manganese, Iron, Potassium, Copper, Zinc

  • It helps in preventing liver problems.

  • Lessens the chances of developing skin diseases.

  • It consists of several anti-oxidants such as polyphenol as well as flavonoid that helps in reducing the risk of cancer by not allowing DNA damage to occur.

  • It has less cholesterol and is therefore useful for those losing weight.

  • As green apple contains a lot of Vitamin A,B as well C, it is very good for the nourishment of skin and also has a whitening effect on it.

  • It purifies the blood as it contains a lot of minerals.

  • One also less chances of suffering from liver problems

Apples have essential nutrients and green apple is no exception to it. Green apple has lots of benefits due to which it should be included in the daily diet.

How did Mothers Day Start?

Origin of Mother’s Day goes back to the era of ancient Greek and Romans. But the roots of Mother’s Day history can also be traced in UK where a Mothering Sunday was celebrated much before the festival saw the light of the day in US. However, the celebration of the festival as it is seen today is a recent phenomenon and not even a hundred years old. Thanks to the hard work of the pioneering women of their times, Julia Ward Howe and Anna Jarvis that the day came into existence. Today the festival of Mothers day is celebrated across 46 countries (though on different dates) and is a hugely popular affair. Millions of people across the globe take the day as an opportunity to honor their mothers, thank them for their efforts in giving them life, raising them and being their constant support and well wisher.

Earliest History of Mothers Day

The earliest history of Mothers Day dates back to the ancient annual spring festival the Greeks dedicated to maternal goddesses. The Greeks used the occasion to honor Rhea, wife of Cronus and the mother of many deities of Greek mythology.

Ancient Romans, too, celebrated a spring festival, called Hilario dedicated to Cybele, a mother goddess. It may be noted that ceremonies in honor of Cybele began some 250 years before Christ was born. The celebration made on the Ides of March by making offerings in the temple of Cybele lasted for three days and included parades, games and masquerades. The celebrations were notorious enough that followers of Cybele were banished from Rome.

Early Christians celebrated a Mother’s Day of sorts during the festival on the fourth Sunday of Lent in honor of the Virgin Mary, the Mother of Christ. In England the holiday was expanded to include all mothers. It was then called Mothering Sunday.

History of Mother’s Day: Mothering Sunday

The more recent history of Mothers Day dates back to 1600s in England. Here a Mothering Sunday was celebrated annually on the fourth Sunday of Lent (the 40 day period leading up to Easter) to honor mothers. After a prayer service in church to honor Virgin Mary, children brought gifts and flowers to pay tribute to their own mothers.

On the occasion, servants, apprentices and other employees staying away from their homes were encouraged by their employers to visit their mothers and honor them. Traditionally children brought with them gifts and a special fruit cake or fruit-filled pastry called a simnel. Yugoslavs and people in other nations have observed similar days.

Custom of celebrating Mothering Sunday died out almost completely by the 19th century. However, the day came to be celebrated again after World War II, when American servicemen brought the custom and commercial enterprises used it as an occasion for sales.

History of Mother’s Day: Julia Ward Howe

The idea of official celebration of Mothers day in US was first suggested by Julia Ward Howe in 1872. An activist, writer and poet Julia shot to fame with her famous Civil War song, “Battle Hymn of the Republic”. Julia Ward Howe suggested that June 2 be annually celebrated as Mothers Day and should be dedicated to peace. She wrote a passionate appeal to women and urged them to rise against war in her famous Mothers Day Proclamation, written in Boston in 1870. She also initiated a Mothers’ Peace Day observance on the second Sunday in June in Boston and held the meeting for a number of years. Julia tirelessly championed the cause of official celebration of Mothers Day and declaration of official holiday on the day. Her idea spread but was later replaced by the Mothers’ Day holiday now celebrated in May.

History of Mother’s Day: Anna Jarvis

Mothers Day OriginAnna Jarvis is recognized as the Founder of Mothers Day in US. Though Anna Jarvis never married and never had kids, she is also known as the Mother of Mothers Day, an apt title for the lady who worked hard to bestow honor on all mothers



Anna Jarvis got the inspiration of celebrating Mothers Day from her own mother Mrs Anna Marie Reeves Jarvis in her childhood. An activist and social worker, Mrs Jarvis used to express her desire that someday someone must honor all mothers, living and dead, and pay tribute to the contributions made by them.

A loving daughter, Anna never forgot her mothers word and when her mother died in 1905, she resolved to fulfill her mothers desire of having a mothers day. Growing negligent attitude of adult Americans towards their mothers and a desire to honor her mothers soared her ambitions.

To begin with Anna, send Carnations in the church service in Grafton, West Virginia to honor her mother. Carnations were her mothers favorite flower and Anna felt that they symbolized a mothers pure love. Later Anna along with her supporters wrote letters to people in positions of power lobbying for the official declaration of Mothers Day holiday. The hard work paid off. By 1911, Mother’s Day was celebrated in almost every state in the Union and on May 8, 1914 President Woodrow Wilson signed a Joint Resolution designating the second Sunday in May as Mother’s Day.

History of Mother’s Day: Present Day Celebrations

Today Mothers Day is celebrated in several countries including US, UK, India, Denmark, Finland, Italy, Turkey, Australia, Mexico, Canada, China, Japan and Belgium. People take the day as an opportunity to pay tribute to their mothers and thank them for all their love and support. The day has become hugely popular and in several countries phone lines witness maximum traffic. There is also a tradition of gifting flowers, cards and others gift to mothers on the Mothers Day. The festival has become commercialized  a great extent. Florists, card manufacturers and gift sellers see huge business potential in the day and make good money through a rigorous advertising campaign.

It is unfortunate to note that Ms Anna Jarvis, who devoted her life for the declaration of Mothers Day holiday was deeply hurt to note the huge commercialism of the day.

Article by MothersDayCelebration

The New and Old about Investing Money

Scan the Bar code to call us with your questions about the following article to help you save and invest money better…QR CODE

Another pool of money that many people have, are investments in stocks, bonds and mutual funds. While we are at it, let’s include your bank savings also. These investments are different from your qualified plans (IRAs, 401Ks, etc) when it comes to the rules and taxes. In many cases, your investments, such as stocks and mutual funds have something in common with your qualified plan:

You are the only one at risk.

By investing outside of a qualified plan, you shed some of the rules that qualified plans have. Currently, and I mean currently, the tax issues are different in qualified plans, from taxes and capital gains taxes that are paid on most investment gains that you might experience. Qualified plans are taxed at an income tax rate while capital gains tax rates could be a lot lower (check with your tax advisers).

Traditional thinking is of the belief, almost religiously, that investments always go up in value over a period of time. Well, that is true, but not for the reason they want to believe. You see, the stock market must go up because it too reflects inflationary trends. As an example, two gold barthousand years ago, a one ounce gold coin would buy the average Roman a nice toga, a very nice pair of leather sandals, and a nice leather sash.

Today, for the value of one ounce of gold (approximately $1,325.39 today), you can purchase a very nice suit, a nice pair of leather shoes, and a nice leather belt. The value of gold really has not changed over two thousand years, but the value of man made currency has. The inflationary aspects of our currency appear to drive the value of what we have skyward.