Yesterday’scelebration of Mother’s Day kicked off National Women’s Health Week, an annualreminder for all women -- moms, daughters, sisters, girlfriends, wives -- tomake their health a priority. This is something all of us should be thinkingabout year-round, of course, but a refresher is never a bad idea.

So listen up, ladies:Even if you exercise and eat right, you may still be skipping some of the mostimportant steps to good long-term health. Here, Stacey Rosen, MD, vicepresident of women’s health at Northwell Health’s Katz Institute for Women'sHealth, shares the top five things she wishes more women did.

Stop skimping on sleep.

Too often, womentrying to “have it all” forgo shuteye in order to squeeze more into their days.But adults need six to eight hours of sleep a night; getting less than that cancontribute to both short- and long-term health problems, from trouble withmemory to weight gain. “Bragging about how little sleep you need has become abadge of courage for women in our culture,” says Rosen. “The truth is, your wellnessis dependent on getting the right amount.”

Find a doctor you trust.

“Women are soparticular about finding the right child care and hairdressers and all kinds ofother services, but too often they don’t feel empowered to identify a doctorwho really becomes a partner in their health,” says Rosen. That’s concerning,she adds, because if you don’t feel comfortable with your doctor you may beless likely to ask questions, bring up symptoms that worry you or stay up-to-dateon check-ups and routine medicalscreenings.

Know your heart disease risk factors.

Heart disease is thenumber-one killer of women, yet many people still consider it a man’s problem.“It’s never too early or too late to find out your risk factors,” says Rosen.That includes knowing your blood pressure and cholesterol numbers; your doctorcan recommend how often you should be tested.

Add strength training to your workouts.

“Women have atendency to love aerobic activity and be less comfortable lifting weights ordoing resistance exercises,” says Rosen. But adding strength training to yourroutine at least twice a week is important: Among other benefits, it canprotect against muscle and bone loss that can occur as women get older. It’seasier than you think to get started. You don’t need dumbbells or a gymmembership -- you can get a great workout using your own body weight or smallprops, like soup cans or bottles of water.

Schedule time for yourself.

“Stress relief andsocial support are vital to women’s health,” Dr. Rosen says, “but they’re oftenthe first things we drop when we get busy.” That’s especially true for womenwho are raising children, caring for aging parents, juggling a career andpersonal life, or all of the above. Rosen makes sure her patients regularly setaside time for things that make them happy, whether it’s pursuing a hobby orlaughing with girlfriends. In other words, consider this a reminder to schedulea walk with friends or a girl’s night out … doctor’s orders!

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GAC Group is an international consulting firm with expertise in R&D tax credits, innovation financing and international development.

You will find out below some information about opportunities to improve your access to public funding in Singapore, and a few tips to help you finance your innovation.

We wish you a pleasant reading!

PIC SCHEME

Enhanced tax deduction: it is time to prepare your claims!

Businesses claiming PIC enhanced tax deductions in their Income Tax Return will have until the end of November 2015 to submit their declaration via paper filing of Form C or C-S. Eligible businesses filling a Form C-S online will benefit from an extension of time until mid-December 2015. With less than one month left, get in touch with us and let us help you maximize and secure your PIC enhanced tax deductions now!

New online claim process for Cash Payout

To reduce processing time, IRAS has launched the PIC cash payout e-Services which allows applicants to e-file, check the status and view the notices of their PIC Cash Payout applications. It automates the processing of those applications (IRAS Annual Report 2014-2015).

PUBLIC FUNDING IN SINGAPORE

Capability Development Grant

The Capability Development Grant (CDG) from SPRING Singapore is a financial assistance programme that helps local SMEs develop capabilities across 10 development areas, ranging from:

• Brand & Marketing strategy Development,

• Business Excellence,

• Business Strategy Innovation,

• Enhancing Quality & Standards,

• Financial Management,

• Human Capital Development,

• Intellectual Property & franchising,

• Productivity & Improvement,

• Service Excellence, and

• Technology Innovation.

The grant defrays up to 70% of qualifying project costs such as consultancy, training, certification and equipment costs. It would allow companies to take on large scale upgrading projects in areas like increasing productivity, process improvement, product development and market access.

GAC EXPERTISE

Technical teams salaries claims

We have recently claimed several CMS and system projects for HR, Stock and Client data management within technology-oriented companies. We can assist you to claim in-house salaries and/or outsourced technical projects (in Singapore or abroad) related to the management of such data and a range of other IT developments you may carry out for the purpose of your business.

Internal trainings claims

Most of the taxpayers are claiming external trainings as it is straightforward and based on invoices. Do you know that you can also claim internal trainings?

When you have an in-house employee training other employees of your company, you are entitled to claim the salaries of the trainer for the time spent on delivering the training. There is a cap at 10,000 SGD if the trainer has no certification with WDA or ITE. GAC Group can work with you to prepare those claims in line with IRAS rules and regulations.

GLOBAL NEWS AND EVENTS

PIC Talk during the French-Singapore Innovation Days

GAC Group will give a talk about the PIC Scheme during the 6th French-Singapore Innovation Days from 11th to 13th November 2015. This 6th edition of the FSID will focus on 3 main topics: Internet Of Things (IOT), Machine to Machine (M2M) and Robotic.

Competitiveness and Innovation rankings

The recent Global Competitiveness Report 2014-2015 by the World Economic Forum is a comprehensive assessment of national competitiveness worldwide. Competitiveness, defined as the set of institutions, polices and factors that determine the overall productivity of a country are captured in 12 aspects which compose the Global Competiveness Index. Singapore is the 2nd most competitive economy in the world just after Switzerland.

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Flash Player continues to put computers across the world at risk due to its vulnerabilities and a new research conducted by RecordedFuture shows that cybercriminals are still looking for security flaws in Adobe’s solution to compromise computers.

A total of 6 of the top 10 vulnerabilities used by exploit kits this year impacted Adobe Flash Player, with just one security flaw being targeted by no less than seven exploits.

“[This is] the highest penetration level of our analyzed vulnerabilities likely because it was the first zero-day discovered after significant Adobe security changes,” the research shows.

Internet Explorer, Windows, and Silverlight also provided vulnerabilities that exploits were targeting, and security flaw CVE-2016-0189 found in Microsoft’s browser was one of the most exploited by cybercriminals.

Microsoft’s Internet Explorer was targeted by exploit kits such as Magnitude, Neutrino, RIG, and Sundown, while Flash Player flaws were being used by Angler, Magnitude, Neutrino, RIG, Nuclear Pack, and Spartan.

Windows, Linux, and macOS at risk

CVE-2015-7645 was of particular interest for exploit kit developers, as it impacted not only Windows, but also Mac and Linux systems, and the security firm says that it was targeted in a big number of kits.

“It can be used to take control of the affected system. Additionally, it was the first zero-day exploit discovered after Adobe introduced new security mitigations, and as such, it was quickly adopted as many other older exploits ceased working on machines with newer Flash versions. The vulnerability was also noted as being used by Pawn Storm (APT28, Fancy Bear), a Russian government-backed espionage group,” the research shows.

RecordedFuture says that all vulnerabilities that exist in these software solutions must be patched as soon as possible by bringing them fully up-to-date, and also recommends to “remove the affected software if it doesn’t impact key business processes.”

As for Internet Explorer users, the company says that it’s better to consider Chrome because of Google’s Project Zero’s attention to Flash Player vulnerabilities, but at the same time, Microsoft also promises to offer increased security with the new Edge browser available in Windows 10.

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An open letter from state fraudbureaus to insurers

Hello from Venus. To my neighbors from Mars, the NAIC’s Anti-FraudTask Force discussed last week how we all have noticed a decline in referralsstate fraud bureaus are receiving from insurer victims. Howard Goldblatt’sfollowup FraudBlog pursued that theme constructively.

Notice I used the word victim. We consider insurers just that, avictim.

Now we agree with SIU directors that the “black hole” still existsin some instances. We find ourselvesconcentrating so hard on cases that make the cut that we often forget to giveyou feedback. We really don’t want you to stop reporting because you are wearyof the “black hole.”

State fraud bureaus also hope you remember your obligation to report cases to us. Some states evenhave made it a crime not to report. Let me stress that reporting to us shouldnot feel like an obligation. You should have faith that we will do the best wecan to fight insurance fraud and make sure that every state’s residents areprotected from paying for those who break the law.

We have really tried hard over the past few years to give youoptions to report to us in a convenient manner. Many of you have offeredexcellent and appreciated suggestions. We have listened to your input, and haveimplemented many of your ideas. We know the process is not always perfect,though it is getting better.

We have partnered with organizations such as the Coalition toeducate you on how to report insurance fraud to us. We certainly welcome anydialogue that can put this issue to rest. I actually asked Howard this week forhelp in reaching out to you. We want to be the first to step up and ask thatyou join us in a dialogue that can help us serve all states’ residents whilepreserving your business interests.

I must say that we have a strong group of fraud directors acrossthis great country. We are committed to eliminating insurance fraud. We aremeeting in Seattle, Wash. in a few weeks. I am sure this issue will bediscussed at length. We really seek your help. We are all in, over here inVenus.

About the author: Shane Guyant is director of the CriminalInvestigations Division of the North Carolina Department of Insurance. He alsochairs the NAIC’s Antifraud Task Force.

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Description: Hawkfield Gallery - BiographySally Caverly is an art lover,researcher and conservationist. Born in 1962, she grew up in Massachusetts andon Lake Winnipesaukee in New Hampshire. Sally holds a Masters of Education, aBachelors of Arts in marketing from Simmons College and a diploma from PhillipsAcademy, Andover. After serving as Market Research Department Head at HoughtonMifflin Company, she operated an online retail store. Sally currently serves asa Director at the North and South Rivers Watershed Association.

Sally developed a love for the wildlife and the mountains ofNew Hampshire's Lakes Region early in life. Her taste in art is an extension ofthese loves. Her passion for art collecting and her interest in research wereacquired through family environment, formal education and work experience.

Sally's grandfather was a carver and painter. Her fatherdabbled in painting until her mother displayed an eye for a well-composedpainting. The youngest of five children, she was in tow in the 70's and 80'swhen her parents amassed an important collection of American impressionistpaintings and sculpture. They visited New England antique shops, galleries,auction houses and private homes. The auction paddle was sometimes passed to Sally,beginning in her teens.

In her twenties, Sally began her own collection bypurchasing a pastel of ducks by William Henry Chandler. She became a regular atart and antique haunts, often with a baby on her hip and a toddler in hand.While following the artists she grew up with, others also caught her eye.

Since 2008, Sally has added to her early foundation inclassic art forms. She has studied American decoys and other folk art.Attending and exhibiting at most of the major decoy and sporting art shows andsales, Sally has visited folk art shows and museums, as well as the homes ofprivate collectors. Specializing in East Coast carvers of decoys and decorativesongbird miniatures, Sally also has an interest in American sporting artpainters Frank Benson, John Whorf and A. L. Ripley.

When not researching or pursuing art, Sally tutors specialneeds students. She also enjoys vegetable gardening and spending time with herfamily and the dogs, cats and chickens she keeps on Hawkfield Farm. She enjoyskayaking on the North River, bird watching on the North River and on DuxburyBeach, and downhill and cross-country skiing. Sally is most proud of nurturingthree adult daughters: a geologist who is an environmental consultant, ascience teacher, and a ceramicist who is employed by the Pucker Gallery inBoston. The family tradition continues!

"There is no suchthing as teaching a person anything. You may be helped toward learning by ahint someone has given you, but anything you really learn has got to be learnedby experience."

Frank Benson

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