MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

7 Last-Minute Father’s Day Gifts Under S$45

Finding the perfect gift for Dad can be a real challenge, especially when he insists, he wants nothing. Although your dad claims he needs nothing, he’ll never turn down the opportunity to spend quality time with you. So, here are some fun ideas to make Father’s Day special!

Don’t forget, Father’s Day is tomorrow – June 18.

#1: WRAPPED CHOCOLATES

What better gift for a father who loves indulging in chocolates? Hello Chocolate offers a delightful collection of Father’s Day gift sets featuring chocolates from around the world. You can choose from the “Chocolate Gift Creator”, which allows you to handpick the chocolates for the gift, or the “For the Best Dad” set that includes alcohol-infused chocolates. And if you feel tempted to order a set for yourself on the side, we completely understand. The price starts at $17.

Buy it here: hellochocolate.asia

#2: PERSONALIZED CUSHIONS

Does your dad love to relax after a long day? Make this day even more special by conveying your heartfelt love for your dad with a personalized cushion, starting from just $42.00. This thoughtful gift is sure to bring a smile to his face and let him know how much he means to you.

Buy it here: fnp.sg

Image Credits: unsplash.com

#3: FRESH WORKOUT CLOTHES

If you’re thinking about getting your dad a fresh set of workout outfits, you don’t have to search far! Decathlon Singapore is the place to go, offering a fantastic selection of affordable yet top-notch options that are just right for him. Surprise your dad with the DOMYOS Men’s Fitness Eco-Friendly Shorts and KALENJI Men’s Running T-Shirt, both priced under $50. These choices are not only comfortable and lightweight but also designed to elevate his workout experience to a whole new level. He’ll appreciate the effort you put into finding him the perfect exercise gear.

Buy these here:www.decathlon.sg

#4: BOOK ABOUT COFFEE

Written by World Barista Champion James Hoffmann, The World Atlas of Coffee takes you on an incredible journey through the world of coffee, from the humble bean to the perfect brew. Priced at $37.80, this book is a coffee lover’s dream come true. With detailed insights into coffee production in over 35 countries and beautifully illustrated pages, it’s not only an informative read but also a stunning addition to any coffee table. If your dad is a coffee geek, this book is an absolute gem that he’ll truly love. It’s the perfect gift to support his passion for all things coffee.

Buy it here: singapore.kinokuniya.com

#5: INTELLIGENT TRACKER

Baseus, renowned for their power banks, doesn’t disappoint in the gadget department with their T2 Mini Intelligent Bluetooth tracker. What’s more? It’s lightweight at a mere 5g. And here’s a neat trick: when the battery runs low, simply pop open the case and replace it with a CR2032 battery that you can easily find at minimarts.

For under S$12, it’s a handy little tool for tagging all your precious knick-knacks. Android users can pair up to 4 Intelligent T2 trackers using the Baseus Smart app, while iPhone users can link up to 6. With this tracker, your dad will never lose track of his belongings again!

Buy it here: lazada.sg

#6: DELICIOUS CHEESE

Whether you’re planning a Father’s Day lunch at home or a picnic outdoors, here’s an idea to make it extra special – assemble a board filled with delicious cheese and charcuterie. And for a truly indulgent treat, why not include this exquisite truffle-infused brie imported directly from France? It boasts a rich and creamy texture, complemented by its distinctive earthy and mushroom flavors. The best part? You can get this gourmet delight for just $17.00. It’s a delightful addition to any Father’s Day celebration!

Buy it here: littlefarms.com

#7: COVETED TICKETS TO BREWNANZA FEST

Get ready to be blown away with your father at the ultimate beer event, the Brewnanza Fest by Brewlander. This vibrant festival brings together over 20 of the most innovative craft breweries from America, Asia, Australia, Europe, and United Kingdom. From August 3rd to 6th, 2023, the Bayfront Event Space will be transformed into a buzzing hub of excitement. Get ready to indulge in an expertly curated selection of over 100 unique beers, including never-seen-before brews crafted by renowned international breweries.

Image Credits: facebook.com/brewlander

But that’s not all! Your ticket to this incredible event includes a complimentary beer redemption, allowing you to savor the flavors of your choice. Don’t miss out on this unforgettable experience and secure your early bird tickets now, priced at just $25.

Buy it here: brewlander.com

Sources: 1 & 2

6 Things That Make a Co-Worker Feel Furious with You

In the realm of Psychology, vivid nightmares can hold symbolic meaning. Recently, my uncle shared a distressing dream in which a collapsing mountain caused panic among people. Curious about its significance, he sought my help to analyze it. Surprisingly, this type of dream often serves as a warning, urging the dreamer to break free from detrimental habits and start anew. Reflecting on this, I realized how negative habits and behaviors in the workplace can hinder our careers.

Being a bad co-worker extends beyond mere annoyance; it can detrimentally impact one’s professional trajectory. However, the good news is that worst co-workers aren’t inherently evil and can be effectively addressed, according to Jody Foster, an associate professor of psychiatry at the University of Pennsylvania.

Let’s examine 6 common behaviors that can ignite fury among co-workers. By striving for self-improvement and actively addressing these habits, we can foster a more harmonious work environment.

#1: YOU MANIPULATE OTHERS

Initially, you may boost someone’s ego or compliment others, just like friends do. However, over time, you may begin to manipulate others or openly display mean behavior. This type of behavior can harm relationships among your co-workers.

#2: BEING A NARCISSIST

Are you a narcissist? Signs of narcissistic behavior include exaggerating accomplishments, blaming others for your shortcomings, interrupting others, taking credit for other people’s work, and lashing out when questioned. If you are one, you should try to step back and maintain a good relationship with your co-workers without compromising your integrity.

#3: YOU ARE A SLOTH

Whether you call yourself lazy or a slacker, you complete your work, but only just enough to get by, and you thrive on doing the bare minimum. Working slowly may work to your favor, but this behavior becomes frustrating to your co-workers, especially if your team’s success relies on it.

#4: BEING AN INTERRUPTER

You consistently interrupt your co-workers, bosses, or other professionals, and this is annoying. If you interrupt others because you feel it is the only way to be heard, you should consider having a conversation with your boss to establish healthier communication habits. This way, you won’t have to resort to cutting off others to express your ideas.

#5: YOU ARE A GOSSIPER

While there’s such a thing as harmless office gossip, it can sometimes go too far. You talk behind others’ backs and spread unverified rumors. Anyone who remembers high school knows how this behavior can cause harm. Put-downs and gossip have no place in the workplace.

#6: YOU ARRIVE LATE

Everyone experiences delays or occasionally needs to leave early for important obligations. However, consistently arriving late or leaving early will eventually lead to the perception that you are not truly committed to your job or employer. This can result in a negative view of your workplace ethics, and you may end up missing important meetings or company updates because you are not as involved.

Furthermore, being constantly engrossed in your mobile phone can signal disengagement and distraction, especially during meetings or conferences. Such behavior is not considered good workplace ethics.

Image Credits: unsplash.com

Remember that nobody is perfect. Success in your job doesn’t mean you can never make a mistake. The best professionals take their mistakes, analyze them, learn from them, and strive to grow and improve as a result.

Sources: 1 & 2

Latest WFH internships posted from 12 to 16 June 2023

There are plenty of remote internship opportunities available for students, graduates, and even folks looking to enter a new industry.

Well, if only you know where to look.

If you don’t, I’ve handpicked a list of the latest WFH internships in Singapore, where you can improve your skills, make important connections, and start building a successful career.

The best part is, you can enjoy the convenience and flexibility of working remotely (or at least partially).

#1: Mediacorp Pte Ltd – 8 Days Intern (Internship)

Website: 8days.sg

Allowance / Remuneration: $600 – 800 monthly

Job Qualifications

Good writing skills
Sound knowledge of digital media
Strong at tracking timelines and able to work independently
Simple Photoshop and video editing know-how is a plus (but training can be provided)

Key Responsibilities

Assist writers and editors with info-gathering and fact-checking for stories.
Write articles, with a focus on food.
Help out with social media posts for the title, mainly on Instagram and TikTok.
Occasionally take photos and simple videos, especially of food products/press kits to upload on social media accounts.
Edit photos and upload stories onto the web system (the intern will undergo some training first).

How to apply?

View the job post in full here and write to Angelia via this link.

View other Mediacorp internship opportunities here.

#2: Brixee – Influencer / Kol Marketing Intern

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A post shared by brixee – influencer marketing agency (@brix.ee)

Website: home.brix.ee

Allowance / Remuneration: $500 – 1,000 monthly

Job Qualifications

Passionate about social media, content marketing, and online advertising
Entrepreneurial mindset
Self-starter and independent
Good project management and communication skills

Key Responsibilities

Participate in the formulation & implementation of client campaigns
Research and propose suitable influencers based on the client’s requirements
Reach out to and maintain relationships with influencers across Southeast Asia for various campaigns
Brief influencers on campaign requirements and ensure timely delivery of content requirements

How to apply?

View the job post in full here and submit your application to [email protected].

#3: Kalos Pte Ltd – Accounting And Operations Intern

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Website: thekinthread.com

Allowance / Remuneration: $800 – 1,500 monthly

Job Qualifications

Must possess strong accounting knowledge
Able to commit 3-6 months

Key Responsibilities

Bookkeeping duties
Manage stock movements (inbound and outbound)
Manage transfers from office to stores
Update SKUs and send timely reports to consignors
Following up on matters related to consignment
Retail store duties

How to apply?

View the job post in full here and write to Michelle via this link.

#4: Square One Active Recovery – Social Media Content Creator Intern

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A post shared by Square One Active Recovery (@squareoneactive)

Website: chiropractor-singapore.com.sg

Allowance / Remuneration: $800 – 1,000 monthly

Job Qualifications

Passion for exercise or sports, and helping people
A full-time intern who can work more than three months is a plus (part-time option available)
Strong communication and writing skills. Good command of English.
Prior internships in content creation and marketing will be a bonus.
Candidate must possess a qualification in communication, marketing, or media-related field or equivalent.

Key Responsibilities

Develop marketing strategies for social media and advertisements
Plan, script, shoot and edit high-quality videos that are fun, and original for social media
Create and curate high-quality, engaging, and visually appealing content, including images, infographics, and animations using Canva or Adobe Photoshop.
Keep up with the current events, trends, and relevant topics to incorporate into the content.
Ensuring all content is aligned with company guidelines and adheres to platform policies.
Excellent written and verbal communication skills, strong creativity, and a deep understanding of the target audience and platform.
Any other ad-hoc duties as assigned

How to apply?

View the job post in full here and write to Jackson via this link.

#5: Spare Parts 3D – Engineering Data Analyst (Development) – Internship

Website: spare-parts-3d.com

Allowance / Remuneration: $900 – 1,300 monthly

Job Qualifications

Education: Currently pursuing a Bachelor’s or Master’s in Mechanical/Industrial Engineering or a related field.
Analytical Skills: Strong problem-solving abilities with attention to detail.
Knowledge: Experience in either Mechanical design, Material selection, Process characterization, or Quality Processes.
Technical Proficiency: Comfortable with Python, data processing libraries (e.g., Pandas, NumPy), and databases (SQL, noSQL).
User-Centric: Practical, with a focus on user experience.
Motivated Team Player: Eager to learn and excel in a team setting.
Independent: Capable of focused, efficient work with minimal supervision.

Key Responsibilities

Work in collaboration with the Product Manager in devising and refining product features. For instance, you may contribute to brainstorming sessions for a new module within our DigiPart software.
Gather, organize, and sustain a robust database of critical technical data, such as material properties, process parameters, and part designs, supporting our developmental and operational activities.
Create innovative techniques and tools for the identification of parts suitable for additive manufacturing. This could include developing an algorithm for automated design analysis or a material selection process.
Record and document your developmental activities, which might involve creating a risk analysis report, performing FMEA for a particular manufacturing process, or drafting SOPs for newly introduced workflows.

How to apply?

View the job post in full here and write to Paul via this link.

Note: We’ve selected these internships based on the “remote” tag, but some positions may still require some face-to-face time. Please contact the employer directly for more deets.

4 beachfront rental homes in Perth, Australia from $87/night for your National Day getaway

Didn’t get to request leave in time for the upcoming Hari Raya Haji public holiday?

Don’t worry about a thing.

Let’s plan ahead this time with National Day in sight, shall we?

Take this chance to escape from the cityscape and immerse yourself in the peacefulness of pristine beaches.

And what better way to indulge in a rejuvenating getaway than by exploring the stunning beachfront homes in Perth, Australia?

At the time of writing, I searched and saw a 2-way flight at less than $500:

And that’s why I’ve curated a list of the best beachfront homes, starting from just $87/night, where you can unwind and create unforgettable memories amidst the sun, sand, sea, and surf.

Prices reflected are based on dates selected from 9 to 13 August 2023.

1-bedroom clean & bright rental unit

Price: $87/night

This lovely 1-bedroom apartment is carefully designed and decorated to please. It comes with everything you need to feel right at home, including comfy bedsheets, a kitchen, and all the cozy amenities. And let’s not forget the complimentary wifi. The host also supplies beach towels for your convenience! You will have the entire apartment to yourself and a secure parking spot for your rental vehicle. Situated 2 minutes away from the beautiful Rockingham Beach, you can relax on the sandy shores and enjoy a breathtaking sunset while savoring a refreshing glass of the finest West Australian Chardonnay.

Spacious guest suite for 4 guests

Price: $128/night

Welcome to this stunning ground-floor accommodation located in an amazing spot right across from the beach in Safety Bay. It offers all the modern comforts you need for a delightful stay. Inside, you will find a contemporary kitchen, a spacious living area, two generously sized bedrooms, and a modern bathroom. Outside, there’s a gorgeous, spacious courtyard where you can dine and relax, perfect for enjoying dinner on those warm, pleasant days and evenings after returning from the beach.

2-story homely abode with a view

Price: $132/night

Experience the breathtaking views of this beachfront apartment located by the bay on Palm Beach. This charming accommodation along the Esplanade is well-maintained and homely furnished. Each floor features a cozy bedroom, a convenient bathroom, and a comfortable lounge area. You will have access to a secure garage for parking and a lovely grassy courtyard. Additionally, a parking bay is available for your convenience. Once your booking is confirmed and paid, the host will provide you with detailed instructions on how to obtain the keys and access the apartment.

Modern beachside apartment in the heart of Rockingham

Price: $135/night

Discover the convenience of this fully equipped, spacious open-plan 2-bedroom apartment that caters to everyone’s needs. Please note that it’s located on the 2nd floor and is only accessible by stairs. If you prefer to cook your meals, the kitchen is fully equipped. Alternatively, you can savor the beach and parkland views from the large balcony while enjoying a BBQ session. For dining out, take a short stroll to the nearby beachside cafes, restaurants, and bars that Rockingham has to offer. If you’re renting a car, you will also have the added benefit of free undercover parking in a secure compound.

As you prep for your National Day getaway, don’t miss out on these incredible beachfront homes in Perth. Starting from just $87/night, these accommodations offer an ideal retreat from the daily hustle and bustle. With stunning sunsets and sandy beaches just steps away, each home guarantees an amazing experience. Whether you’re looking for relaxation, excitement, or a chance to live by the ocean, these chope-worthy options are perfect for your holiday to Australia. Mai tu liao, secure your booking today!

Save Your Hard-Earned Cash! Avoid These 8 Money-Wasting Mistakes!

From harmful habits to wishful thinking, certain financial decisions can cost you a fortune. There is an endless list of things you should avoid doing with your hard-earned money. Here are eight things you should steer clear of:

#1: BUYING ITEMS FOR THE SAKE OF ITS NAME

I have to admit, I am guilty of buying products based solely on their brand names. Let’s face it: stores and generic brands are frequently disregarded when it comes to cost savings. Whether it’s food, skincare products, or over-the-counter medicine, your local grocery or drug store typically provides more affordable store brands or generic alternatives.

Pay attention to the labels, as the ingredients are often identical to those found in expensive brand-name products. Furthermore, when it comes to prescriptions, consider asking your pharmacist for the generic version. These medications work just as effectively as their brand-name counterparts and can save you a significant amount of money.

#2: PAYING LATE FEES

Do you know what quickly adds up and drains your finances? Paying for late fees. Whether it’s a late payment on your credit card, utility bill, or rent, these fees are best avoided. Set up automatic payments for all your bills to ensure that you never miss a payment again. This way, you won’t have to worry about forgetting to pay a bill on time.

If you do find yourself with a late fee, try calling the company and politely ask for it to be waived. Many companies are willing to accommodate their loyal customers by waiving late fees.

#3: PURCHASING PETROL STATION SNACKS

The occasional purchase of snacks at petrol stations may seem harmless, but it can quickly become a habit that drains your money. Those bottles of soda and bags of chips you pick up when filling up your tank or making a quick stop can add up over time. To manage this, create a rule for yourself to track all those small snack purchases, and set aside a small monthly allowance specifically for indulging in them. When running errands or encountering tempting locations filled with snacks, make it a habit to bring your own drinks and snacks.

Image Credits: unsplash.com

#4: RENTING A BIGGER OFFICE SPACE

The COVID-19 pandemic has highlighted the viability of working from home, resulting in excess office space and rising occupancy costs for businesses. Instead of maintaining large office spaces that cater to the entire workforce, it is worth considering the utilization of co-working spaces and digital collaboration tools. Singapore offers a variety of co-working spaces, including Crane, Workbuddy, and Gather Cowork, with multiple branches nationwide. By adopting this approach, you can continue working efficiently while significantly reducing expenses.

#5: CO-SIGNING A LOAN

Never co-sign a loan you can’t afford! Financial blogger Michelle Schroeder-Gardner strongly advises against co-signing a loan for someone unless you have the financial capacity to fully repay it yourself. There is always a risk that the other person may be unable to make the payments, which makes it crucial for you to protect yourself and your finances.

#6: DONATING OVER THE PHONE

I remember when a friend of mine shared a story about getting scammed over the phone. It happened right after she had finished a night shift, and she was feeling groggy and vulnerable. Phone solicitations can often involve legitimate fundraising efforts, but they also create an opportunity for scammers to exploit the goodwill of unsuspecting donors. To ensure your safety, never disclose your credit card number over the phone. Instead, request the solicitor to send you the information by mail. This way, you can thoroughly research the organization and verify its legitimacy before making any contributions.

#7: OVERSPENDING ON LOTTERY TICKETS

Did you know that tourists can play TOTO in Singapore? If you have a valid Foreign Identification Number (FIN) and meet all the prerequisites, you can play TOTO as a tourist. However, if you are solely a foreign passport holder, you will only be able to select and bet on Horse Racing. This can potentially lead to overspending on lottery tickets for foreigners. Keep in mind that the odds of winning the lottery are incredibly slim, with your chances of hitting the jackpot being roughly 1 in 292 million.

Despite the unfavorable odds, many people still spend a significant amount of money each month on lottery tickets. Instead of consistently allocating your funds to this improbable endeavor, it would be wise to redirect that money towards savings or your retirement plan. Investing in your long-term financial success through savings or retirement planning is a more prudent use of your resources.

#8: BUYING COFFEE CUPS

Some establishments take into account the cost of disposable cups when pricing their beverages. However, by opting for a reusable to-go cup, you can often enjoy a “discount” because you won’t be charged extra for the paper or coffee cup.

Image Credits: unsplash.com

Sources: 1 , 2, & 3