A Singapore Saving Plan provides its customers with financial security and peace of mind. This is what the people of Singapore call “wealth” and it gives them a reason to smile every time they look at their bank account. You need not worry about the cost of retirement when you go for Singapore saving plan. You do not have to pay taxes and there are no worries about social security when you opt for this plan. Moreover, the government of Singapore works to ensure that every citizen gets his fair share of this saving scheme. The plan has been modified many times in order to ensure that the interests of the savers and the interests of the country are both met.

The Singapore saving plan guarantees a guaranteed return of 100%. The returns are made from the interest earned by the customer. The saving scheme lasts on a fixed annual basis up to the maturity of the scheme. This endowment saving plan guards you against premature death and terminal illnesses.

There are no worries asked on the health of the investor. The guaranteed interest rates and the assured returns make this endowment saving plan the most popular one in the country. The minimum requirements necessary for this plan are the age of the investor and his job. Other conditions required are the income proof, residence proof and the source of the income proof. One can withdraw money from the cash deposit without having to pay any taxes.

The maturity period for the Singapore savings account varies according to the type of investment you have chosen and the length of time you have held the account. One option is the one-year endowment plan where as the two or three year plan allows you to invest more regularly and earn better returns. The other option is the one year standard deposit saving plan where as the five year, ten year and twenty-year plans allow you to accumulate interest automatically through the accumulation of dividends.

Investing in Singapore annuities ensure that you get the best returns at the earliest when you least expect them. The maturity period is just three years for the endowments and also for the short term saving plan Singapore. This is because the maturity period of these plans allow you to accumulate interest and the rates are higher in case of endowments. The interest rates are decided by the Singapore government while approving the plans. In order to be qualified for an endowment, you have to invest a minimum amount as a member of a self directed investment plan and contribute regularly.

The investment rates are high in Singapore. The government keeps the interest rates low to encourage saving and encourage people to invest more in their countries. Even the banks offer competitive rates on their saving accounts and various other products. The banks are well aware of the fact that many people prefer saving as opposed to investing. The banks have made special offers for this purpose to lure more customers to invest their money. One of the best features of these monthly investment plans is that there are no commissions involved for the services and thus you can invest your money and earn a good return on it.

The other features of phillipcapital are hassle free and simple to use. There is no need to go through complicated procedures to start investing. The only thing you need to do is choose the account and the mode of investment which suits you the best. You can start investing immediately after registration with the Phillip Capital website and you will receive all the information on your email.

Another feature of the Phillip Capital Singapore is that you can earn tax-free income if you invest your savings in the various products available in the various investment categories. You can choose to invest your money in a range of options like regular shares saving plan, flexible saving account or GIC`s. Apart from saving money, you can also make good profits if you invest in other assets. Apart from saving money, you can earn by renting apartments in prime locations, buying commercial properties, opening up shop, etc. The possibilities are only limited by your imagination.

San Diego is known for its year-round sunny weather, pristine beaches, and vibrant arts scene. This SoCal city has many other attractions, including its beautiful beaches and rich military history. It is worth exploring.

Food is another draw, and the city`s eateries embrace a variety of cuisines from around the world. You can find local favorites at casual lunch spots or fine dining experiences right by the ocean.

History

The history of San Diego begins in 1542, when Spanish explorer Juan Rodriguez Cabrillo discovered the bay. Cabrillo gave it the name San Miguel, but Sebastian Vizcaino renamed it in 1602.

After Cabrillo saw it, Diegueno and Luiseno were the first to settle the area. They ate small game and acorns but were also skilled hunters who collected food and medicine from the ground.

In 1769, a Spanish Presidio was established here. Father Junipero Serra founded the first California missions (restored in 1931). Old Town San Diego grew up around the mission, and by 1834 it had become a pueblo (town). The Mexican-American war removed the city from Spanish control.

Weather

The weather in San Diego is generally pleasant throughout the year. The climate in San Diego is semi-arid and Mediterranean. Temperatures can reach above 70 degrees during the day, and lower than 60 at night.

Rainfall is minimal, averaging about 12 inches per year. Although snow is rare, it can occasionally fall in the mountains.

The climate in San Diego varies significantly over short geographical distances, creating different microclimates. This phenomenon is most prominent during the so-called May gray / June gloom period, where a thick layer of “marine layer” clouds keeps the air cool and damp within a few miles of the coast but yields to bright cloudless sunshine between about 5 and 15 miles inland.

Beaches

San Diego has mile after mile of beautiful beaches, ranging from wide public stretches to secluded coves. Some beaches have a spectacular view of San Diego`s skyline, while others offer breathtaking views of its cliffs and picturesque piers.

San Diego has many beaches that are open to the public. Parking fees are charged for state beaches such as Silver Strand in Coronado or Carlsbad State Beach.

La Jolla Shores is a popular beach for swimming, surf, and sunbathing. Its mile-long, gently curving beach is protected from large waves and boasts lifeguard stations.

Dining

Whether you want to dine at a romantic restaurant overlooking Mission Bay or grab quick eats at a beachside spot, San Diego has a restaurant to satisfy your every craving. The culinary scene in San Diego is flourishing!

Chefs are proud of their community, often donating funds to local causes. And the cuisine is a mix of traditional and contemporary.

San Diego`s food scene is diverse, with everything from casual sister restaurants like George`s at Ironside and George`s at Cove to a three Michelin-starred restaurant. The good news is that the vibrant dining scene has escaped its past reputation for burritos and tacos. It`s now filled with design-centric farm to table spots, friendly pizza joints and award-winning sushi in a strip-mall! And it`s all delicious.

Nightlife

San Diego`s nightlife scene offers many experiences. There is something for everyone, whether you are looking to have a fun night out with your friends or enjoy a romantic dinner.

If you`re looking for a swanky experience, F6ix Nightclub in the Gaslamp Quarter is one of the best places to go. The club has a stylish, modern atmosphere with state-of the-art sound and lighting systems.

Side Bar is another place worth checking out for a night out. It`s a unique combination of nightclub and ultra-lounge in Downtown San Diego’s Gaslamp Quarter. The venue is a sophisticated, elegant rendezvous that combines subtle distractions such as erotic paintings with custom-designed ambient lighting and unpredictable bottle parades.

Parallel Importer Singapore

Many Singaporeans choose to buy cars from parallel importers instead of authorised distributors (ADs). This is because they offer significantly cheaper prices.

They also offer a wider range of car models and some even carry hybrid or limited-edition models that ADs may not stock. But they come with a few risks that you should consider before deciding to purchase one.

Legality

The parallel import trade is an increasingly common phenomenon across the world. This has provided opportunities for both local consumers and small businesses to access goods at a lower price point.

However, parallel importers must ensure that they are trading in genuine products. This can be difficult to assess and may be more challenging when goods are sourced via a complex cross-border supply chain.

One of the key issues that arises from parallel imports is whether they are infringing a registered mark. This depends on whether the products in question were actually put on the market (whether overseas or in Singapore) by the owner of the registered trade mark, or with its consent.

The recent judgement of Samsonite IP Holdings Sarl v An Sheng Trading Pte Ltd [2017] SGHC 18 highlights this issue and provides much food for thought. It also clarifies how to balance the interests of both the public and intellectual property rights owners in upholding the free movement of goods, while ensuring that their marks are properly protected.

Reputation

Many Singaporeans are still drawn to parallel importers for the cheaper prices they offer. However, a lack of consumer protection regulations means there are also risks involved.

For example, in the past few years, many consumers have lost prepayments as businesses they’ve already deposited money with go bankrupt and fail to deliver their goods or services. This risk is particularly high in the car industry, where it accounted for nearly 33% of lost prepayments reported to Case.

To avoid this, it is important to buy from a reputable parallel importer. These companies can often be found by checking out their track record, background and reviews. They should be accredited by the SVTA for motoring business, which will give you peace of mind.

Safety

Parallel importers often do not have the same level of protections as local authorised sellers. For example, if there is a problem with the product, the parallel importer is not obliged to help or even to tell you where to go to get support.

Moreover, a parallel importer can be found to infringe brand owners’ trade mark rights and other intellectual property rights. This is particularly true for products such as printers where software and firmware may also be protected by copyright.

To prevent these problems, brand owners and licencees can enforce their rights against parallel importers by ensuring that the goods were not put on the market with the owner’s consent or without any misrepresentation or a likelihood of confusion. The parallel importer can also be liable for infringement of the trademark owner’s rights by making any alterations to the product or its packaging which would unfairly dilute its distinctive character. This may not only involve a change to the appearance of the product but also its functionality, such as removing barcodes or machine-readable tags.

Warranty

Unlike the Authorised Dealers (AD) who have exclusive distribution rights for a particular car brand, parallel importers purchase cars directly from the factories producing them. They then import them to Singapore and sell them at a significantly lower price, which enables them to offer consumers more choices.

In order to protect customers from scammers and shady businesses, the Consumers Association of Singapore (CASE) has recently introduced an accreditation scheme to ensure that parallel importers are legitimate and safe to deal with. Under the CaseTrust-SVTA Joint Accreditation Scheme, companies are required to commit to certain criteria, including taking up a $50,000 insurance bond.

This is an excellent way to separate shady parallel importers from legitimate ones, and can save consumers thousands of dollars in deposits they might have had to put down. But before you sign on the dotted line with any of them, always do your homework and conduct a background check first.