MoneyDigest - Personal Finance, Lifestyle, Money Saving Tips

Two People Arrested for Suspected Involvement in SIM Card Fraudulent Scheme

In a three-week islandwide operation to disrupt fraud syndicates, the police made significant progress by arresting two individuals involved in fraudulent activities related to postpaid SIM cards. The operation, which happened from May 8 to May 31, resulted in the termination of over 1,000 mobile phone lines, freezing of approximately 50 bank accounts, and the seizing of more than S$210,000. The suspects, a 23-year-old man and a 26-year-old woman, were apprehended for their suspected involvement in illegally registering postpaid SIM cards using customers’ personal information.

The Illegal Scheme

Preliminary investigations revealed that the 23-year-old man, who worked as a mobile phone store assistant, gained access to customers’ identification documents through the company’s mobile device used for SIM card registration. Exploiting this opportunity, he illicitly registered postpaid SIM cards using unsuspecting customers’ details and sold them to individuals who desired to purchase SIM cards without disclosing their identities.

The investigation also uncovered the alleged involvement of a 26-year-old woman who aided the man’s offenses. She established a shell company to procure unregistered postpaid SIM cards from a supplier, further enabling the illegal scheme. This discovery emphasizes the need for a comprehensive approach in tackling such criminal activities, not only targeting individuals but also uncovering the networks that support their illicit operations.

The Arrests

During the operation, law enforcement authorities seized various items including mobile phones and postpaid SIM cards, providing crucial evidence for the ongoing investigation. Additionally, 25 men and three women, aged between 22 and 43, are currently assisting the police in their investigation. It appears that these individuals’ identities may have been stolen and misused as part of the fraudulent SIM registration scheme.

Image Credits: Singapore Police Force

The Ongoing Investigations

The offense of illegally obtaining personal information carries a maximum jail period of three years and a fine. Unauthorized modification of computer material is punishable by a fine of up to S$10,000, a jail period of up to three years, or both. Failing to exercise reasonable diligence as a director may result in a fine of up to S$5,000 or a jail period of up to twelve months.

The police emphasized that fraudulently registered postpaid SIM cards pose a significant risk as they can serve as anonymous communication channels for illicit activities such as unlicensed moneylending and frauds. Scam syndicates often employ these SIM cards to contact victims and communicate among themselves, making detection challenging for law enforcement agencies.

The Public Awareness

The police are determined to track down mobile phone retailers and assistants who may inadvertently facilitate illegal activities. In light of this, the public is advised to avoid purchasing pre-registered prepaid or postpaid SIM cards and to safeguard their identification documents to prevent misuse during registration.

Image Credits: Singapore Police Force

Furthermore, individuals should exercise caution when approached to be appointed as directors for companies and ensure that they fulfill their duties diligently. Negligence in supervisory roles may result in a company being involved in criminal activities. Through their ongoing investigations and continued efforts, the police aim to safeguard public interests, protect personal information, and maintain the integrity of mobile phone retail practices.

Sources: 1 & 2

7 Shocking Types of Toxic Employees You Must Fire Immediately

Letting go of employees is never easy; however, parting ways with toxic employees is an entirely different story. Believe me when I say, I had to navigate the process of terminating several employees in the past eight months.

Within every organization, there are individuals who exude negativity in the workplace. In fact, a noteworthy study conducted by Michael Housman and Dylan Minor in 2015 at the prestigious Harvard Business School defined toxic workers as those who “engage in behavior that is detrimental to an organization, including causing harm to either its property or people.” These toxic employees not only harm the morale of the entire team but also impede productivity and create a hostile work environment.

It is crucial for employers and managers to swiftly identify these toxic behaviors and take immediate action to remove them from the organization. In this post, we will uncover seven startling types of toxic employees that you simply cannot afford to retain on your team. Let us dive in!

#1: THE DRAMA QUEEN/KING

The drama queen or king thrives on creating drama and conflicts in the workplace. They are always the center of gossip and stir up trouble among co-workers. Moreover, they have a knack for twisting stories in their favor. For instance, a drama queen or king may claim, “I worked really hard, but other team members did not put in enough effort. That’s why we lost the client.” Their negative energy can swiftly permeate the entire team, resulting in a toxic work environment where productivity and cooperation suffer.

#2: THE CHRONIC COMPLAINER

No matter how well things are going, the chronic complainer always manages to find something to complain about. Whether it’s the lack of free food in the pantry or the length of a meeting, their complaints encompass both major and minor issues. They drain the enthusiasm and motivation of those around them by constantly fixating on the negative aspects of work. Moreover, their complaining attitude has the potential to be contagious, significantly affecting the team’s ability to maintain a positive mindset and effectively overcome challenges. Can you think of someone who exudes the characteristics of the chronic complainer?

#3: THE MANIPULATOR

Recently, our organization had to part ways with a manipulator. This individual possessed a remarkable ability to manipulate others through persuasive language, ultimately captivating the heart of our boss and shamelessly exploiting it for personal gain. Engaging in mind games and skillfully manipulating circumstances, he managed to embezzle money from the organization and evade any consequences. Manipulators like him have truly mastered the art of manipulation, utilizing it to obtain their desires.

The presence of such manipulative individuals erodes trust and instills a pervasive sense of unease within the team, thereby hindering the fostering of collaboration and open communication.

#4: THE SLACKER

Oh, the advent of mobile phones and portable gadgets has certainly expanded the arsenal of the slacker! Have you ever experienced the frustration of having co-workers who would rather indulge in video games while you diligently complete an important report?

Image Credits: unsplash.com

The slacker is perpetually lagging behind on their tasks, expertly procrastinating and making up excuses to justify their lack of productivity. As a result, the burden of their unfinished work falls unfairly on the shoulders of diligent team members, who are left to pick up the slack. This toxic employee not only impedes overall productivity but also fuels a sense of resentment among hardworking colleagues. It’s a recipe for dissatisfaction and frustration in the workplace.

#5: THE BULLY

Much like the manipulator, the bully also prioritizes their personal interests above all else. Bullies resort to intimidation, belittlement, and humiliation to exert power over their colleagues, thereby cultivating a hostile work environment. The consequences of their actions can be deeply damaging, inflicting severe psychological and emotional distress on their victims, which in turn leads to decreased job satisfaction and a higher turnover rate. It becomes crucial to take immediate action to safeguard the well-being of the entire team.

However, what if the bully happens to occupy a position in upper management? This poses an even greater challenge and calls for careful consideration of the best course of action.

#6: THE CONSTANT NEGATIVIST

The chronic complainer can overlap some of his or her qualities to the constant negativist. This toxic employee consistently finds ways to criticize and dampen the mood, always seeking out flaws and faults.

Unfortunately, their negative mindset has the potential to spread like wildfire, adversely affecting team morale and stifling creativity. Surrounding oneself with a constant stream of negativity can impede progress and hinder the team from realizing its full potential.

#7: THE GOSSIPER

My previous workplace was plagued with gossipers! A drama queen/king’s accomplice, the gossiper, is particularly harmful when they engage in malicious behavior. They propagate falsehoods about their co-workers, causing harm to healthy working relationships and disrupting team dynamics. In addition to spreading tales about fellow employees, they often initiate rumors about the company itself, such as new policies, impending layoffs, or structural changes.

Image Credits: unsplash.com

In any carefully selected basket, there will always be a few bad apples. However, toxic employees have no place in a healthy and productive work environment. Their negative conduct undermines teamwork, dampens productivity, and diminishes employee morale. By identifying and addressing these seven types of toxic employees, organizations can establish a positive and supportive workplace culture that allows employees to flourish.

Sources: 1 & 2

7 little white dresses from $39.90 for your ROM because short is cool too

Step aside, floor-length bridal gowns, and make way for the chic little white dress.

Perfect for your ROM ceremony, these sweet dresses prove that less is more when it comes to making a statement on your special day.

Dive into this curated selection of little white dresses that blend timeless elegance with a modern twist, showcasing that short is not only cool but also undeniably fashionable.

Poppy Tie-Back Babydoll Dress (White)

Price: $39.90

Sweet as a summer day, this vintage-inspired babydoll dress is sugar, spice, and everything nice. Its silhouette and square neckline channel retro charm, while puffed sleeves and an adjustable ribbon tie add playful polish. But this pretty little poppy has a practical side too, thanks to its elasticized back waist, removable padding, and roomy pockets perfect for your phone or keys. Fully lined, this white dress makes an ideal choice for warmer weather—an easy, breezy ensemble. Light, lovely, and undeniably feminine, this tie-back dress is sure to brighten your mood on your big day.

Lucia Textured Romper Dress in White

Price: $40

With puffy sleeves, a textured white fabric, and secret shorts underneath, it’s as practical as it is pretty. The attached shorts feature buttons so you can undo them when nature calls, then button right back up and continue frolicking without a care. Side pockets provide a place for your phone, keys, or whatever else you need on your big day. A back zipper makes getting dressed a breeze, and the cotton blend material keeps you comfy all day while the lining prevents any wardrobe malfunctions. Summer in Singapore is more fun when you’re wearing something cute, comfortable, and convenient. And this dress-romper is all three.

Saskia Pleated Peasant Dress – White

Price: $48.90

With delicate pleats, poufy sleeves, and a button-down neckline, this number evokes a laidback bohemian vibe. The lightweight, flowy fabric and partial lining keep you cool and comfortable, even on the hottest of days. An effortless white colorway means you can dress it up with statement jewelry and espadrille wedges or keep it casual with flip-flops after your ROM. For a touch of romance, add a floral crown.

Dreamscape Debut Eyelet Scallop Tier Ruffle Dress

Price: $49.90

A whimsical floral fantasy, this cotton eyelet dress is sweet and light. Its scalloped V-neckline and ruffle hem flounce with every step, perfect for your ROM ceremony. Yet for all its fanciful frill, this mini dress keeps it relaxed with an easy cut and swingy, airy feel. Fully lined so you can twirl and spin without a care, the keyhole design adds a coquettish touch. Whether you pair it with strappy sandals for brunch in the garden or lace-up espadrilles for a summer soirée after your big day, this dreamy little dress is sure to delight. Light and undeniably lovely, this tiered little number will have you walking on sunshine.

Analisse Linen Halter Neck Dress

Price: $55

This breezy little linen number was made for balmy summer days and beachside cocktails after your ROM. In an airy linen fabric, this mini dress features an A-line silhouette and a front overlay design for an extra tropical feel. Comes with functional side pockets and a back zip closure. The elegant halter neck shows off sun-kissed shoulders while the A-line cut flatters your figure. However you wear it, this versatile linen dress will whisk you from your big day to the seaside, sunset, and everywhere in between.

Bliss Lace Mermaid Dress in White

Price: $56.90

This showstopping lace mermaid gown is fit for a fairytale ROM event. Its curve-clinging silhouette and flared hem embody elegance and drama, while delicate lace details add a touch of whimsy. Fully lined to avoid any sheer reveals, this dress is made to captivate from ceremony to reception. Adjustable straps ensure the perfect fit, so you can dance the night away with ease. For brides who dream of Cinderella moments and steal-the-spotlight style, this lace mermaid dress makes those wishes come true. You will feel like royalty wrapped in its polyester lace blend and fitted silhouette.

Linen Wrapped Shirt Dress in White

Price: $95

This linen-wrapped shirt dress is a modern take on a classic style with a feminine twist. Crafted from an airy cotton-linen blend, it features a slightly relaxed silhouette and a wrapped skirt that drapes gracefully across the hips. The crisp white fabric and full lining give it a polished finish, while the shirt-inspired details—like a point collar and button front—let you channel smart casual chic from the ceremony to the reception. For the bride who prefers shirt-style dresses, this linen-wrapped shirt dress delivers a cool, comfortable style on her special day.

These 7 little white dresses starting from just $39.90 truly demonstrate that short can be just as chic, stylish, and unforgettable for your ROM ceremony. Embrace the effortless charm of these budget-friendly options under $100 without sacrificing elegance or sophistication. Now that you’ve explored these selections, it’s time to pick the perfect little white dress to make your ROM an occasion to remember. Here’s to you, the stylish bride, who knows that sometimes, less is indeed more, and that short is not only cool but also undeniably fashionable. Cheers to your magical day and the start of a beautiful journey together!

Latest WFH internships posted from 30 May to 1 June 2023

The world of work has undergone a significant transformation in recent years, with work-from-home opportunities becoming increasingly popular.

As hybrid or remote work gains traction, you may find that you thrive better in such a system. Or if you’ve not given it a try and wonder if you will be able to handle the “freedom”, why not give it a shot?

Here are the latest WFH internships posted from 30 May to 1 June 2023.

#1: Duo Studio Pte Ltd – Social Media Executive (Intern) – Client Servicing

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A post shared by Duo Studio (@duostud.io)

Website: duo.social

Allowance / Remuneration: $800 – 1,000 monthly

Job Qualifications

A keen interest in social media
Being meticulous is a must
Excellent communication skills
Fluency in English
Positive attitude, detail, and customer-oriented with good multitasking and organizational ability
Available for at least 6 months

Key Responsibilities

Support reporting managers in monthly content calendars; client servicing, project management, copywriting, media management, content management, reporting
Quality checks on editorial calendars and schedules
Coordinating and liaising between media agency, clients, and creative team to put together these calendars on time and on brief, as well as ensuring posts are scheduled on time and reports are submitted on time
Scheduling and publishing of posts (including weekends when necessary)
Brainstorming on new campaigns
Compile reports showing results (ROI)

How to apply?

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

#2: Stacked Homes – Media Intern

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A post shared by Stacked (@stackedhomes)

Website: stackedhomes.com

Allowance / Remuneration: $750 – 1,100 monthly

Job Qualifications

Diploma or Degree student in film, broadcasting, communication, or other related fields.
Proficiency with camera equipment and Adobe applications is a plus.
Excellent interpersonal skills.
Compensation depends on experience and skill level.

Key Responsibilities

The intern is in charge of supporting the media team for Stacked, this role involves assisting with multiple distribution methods via YouTube, Website, and Social Media.
Work closely with team members to market content to help shape the company’s vision for its offerings.
Additional responsibilities would include working with sales and marketing professionals to determine how to expand the audience for their network.

How to apply?

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

#3: SolaTeks Pte Ltd – Engineer Intern

Website: solateks.com

Allowance / Remuneration: $1,500 – 2,000 monthly

Job Qualifications

In a bachelor’s degree in electrical engineering, software development, or a related field, a master’s degree and above are welcome to apply as well.
Had some experience in designing and building electronic devices or IoT products.
Expertise in electrical circuits, including knowledge of AC and DC power, voltage regulation, and wiring.
Proficiency in programming languages such as C, C++, or Python, and experience in embedded systems development.
Experience in industrial design, including knowledge of ergonomics, durability, and aesthetics.
Strong project management skills, including the ability to create project timelines, manage resources, and communicate effectively with stakeholders.
Knowledge of IoT technologies and protocols, including wireless communication protocols such as Wi-Fi, Bluetooth, and Zigbee.
Strong problem-solving skills and the ability to think creatively.
Excellent communication skills to communicate effectively with team members, stakeholders, and customers.

Key Responsibilities

Design and build the electrical components of the device, including the power supply, control circuits, and charging systems.
Develop firmware and user interface for the device using programming languages such as C, C++, or Python.
Create physical casings for the device that are both functional and visually appealing.
Oversee the development process from start to finish, including creating project timelines, managing resources, and communicating with stakeholders.
Troubleshoot problems that arise during the development process using strong problem-solving skills and the ability to think creatively.
Communicate effectively with team members, stakeholders, and customers.

How to apply?

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

#4: Little Happy Haus – E-Commerce Business Development Intern

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Website: littlehappyhaus.com

Allowance / Remuneration: $800 – 1,500 monthly

Job Qualifications

Passionate about e-commerce
Able to communicate clearly and concisely
Organized and meticulous
Work well independently as well as in a team
Resourceful problem solver who can get things done fast
Take pride in your work and thrive in a fast-paced environment
Strong willingness to learn (be it from experience, the team, YouTube, or Google)
Only open to those residing in Singapore / Undergrads are welcome to apply

Key Responsibilities

Listing of products on e-commerce marketplace platforms and website
Responsible for management, operation, and online sales of various e-commerce platforms and website
Planning, managing, and executing promotion campaigns for e-commerce platforms and strategies to drive traffic & sales
Creating social media content and managing social media channel
Maintaining and updating the company’s online store and social media while ensuring all content (pages, products, and prices) are displayed accurately
Stock-taking, packing orders, and co-ordinate logistics arrangement
Establish a new revenue stream
Provide excellent customer service
Perform ad-hoc duties as assigned

How to apply?

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

#5: Retro-Max Pte Ltd – Marketing Intern

Website: retromax.asia

Allowance / Remuneration: $700 – 1,250 monthly

Job Qualifications

Some experience in digital marketing or related field is a plus
Good understanding of digital marketing channels, including SEO, PPC, and social media
Experience with graphic design or video production/editing is a bonus.
Experience in the use of marketing automation tools
Strong analytical skills and experience with web analytics tools (e.g., Google Analytics)
Good project management skills
Familiarity with managing brand pages on social media
Desire to learn and receive feedback
Excellent written and verbal communication skills

Key Responsibilities

Help develop marketing strategies that align with the organization’s business goals
Assist in managing and executing campaigns across various digital channels, including social media, search engines, and specialized display advertising
Measure and report on the performance of digital marketing campaigns, and assess against goals (ROI and KPIs)
Conduct market research and analyze trends to identify new opportunities and improve campaign performance
Assist in creating engaging content and optimizing user experience

How to apply?

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

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.

5 Affordable Ways to Create a Wedding Album in Singapore

With hearts brimming with joy and a profound sense of fulfillment, my husband and I celebrated the culmination of our church wedding ceremony in May 2023. Your wedding day is an extraordinary occasion that overflows with cherished memories, and preserving those moments in a meticulously crafted wedding album holds immense significance. In this article, we will delve into some practical and affordable methods to create a stunning wedding album without straining your finances.

#1: SET A BUDGET

Before embarking on the journey to create the perfect wedding album for you and your spouse, it is crucial to plan ahead and establish a budget. Determine the maximum amount you are willing to spend, including the costs of printing and designing the album. Additionally, consider any other fees associated with hiring a professional photographer, if applicable. Having a clear budget in mind will enable you to make informed decisions and smart choices throughout the entire process.

#2: OPT FOR A DIGITAL ALBUM

Did you know that you can create your very own wedding website using free platforms like Zola and Wix? Take into account the option of opting for a digital wedding album instead of a printed one to save money. Digital albums come with several advantages, including cost-effectiveness and the convenience of easily sharing and storing your precious memories.

Image Credits: unsplash.com

There are numerous online platforms that specialize in digital wedding albums, offering user-friendly templates and customization options to create a personalized digital album. You can include your most cherished photographs, add captions, and even incorporate music, transforming it into a one-of-a-kind and interactive keepsake.

#3: DO IT YOURSELF

Upon hearing the price of the album from our official photographer, I realized that the best option for me would be to take matters into my own hands. I didn’t want to pay someone S$200 for a job I could do myself.

I started by carefully selecting high-quality photos and began searching for digital services that offer top-notch album printing. For example, Photobook Singapore provides a wide range of personalized photobooks, gifts, photo prints, travel albums, home decor, and more. I have personally printed with them twice, and the experience has been pleasant. This hands-on approach not only saves money but also empowers you to infuse your unique personality and creativity into the album.

#4: COLLABORATE WITH FAMILY & FRIENDS

Get the support of your loved ones to create a budget-friendly wedding album that holds a special touch. If you have friends or family members who possess skills in graphic design, photography, or crafting, don’t hesitate to reach out and ask for their assistance. They can lend a hand with designing the album layout, retouching photos, or even crafting unique artwork.

By involving your loved ones, you not only save on costs but also infuse your wedding album with a personal touch, making it all the more meaningful and heartfelt.

#5: TAKE ADVANTAGE OF ONLINE PROMOTIONS

Stay vigilant for online promotions, discounts, and special offers from various printing services. Numerous websites and social media platforms frequently feature exclusive deals on wedding albums. Seize these opportunities to save money while still obtaining a high-quality album. Stay connected by subscribing to newsletters and following the social media accounts of printing services to stay updated on their latest promotions.

For instance, Vistaprint regularly offers seasonal promotions on photobooks of various sizes, with three cover options: linen, leather, or photo cover. They even provide an autofill option to simplify the process of dealing with photobook layouts. Small photobooks start at $32.39, and shipping in Singapore begins at $8.99.

Image Credits: unsplash.com

CONCLUSION

Creating an affordable wedding album in Singapore doesn’t mean sacrificing quality or sentimental value. With careful planning, digital alternatives, a DIY approach, collaboration with loved ones, and leveraging online promotions, you can have a stunning wedding album that captures your special day while staying within budget.