CNY card from Ken..
| Ken did this in school.. and his teacher said can be for anyone, so he made for me.. *awww* |
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See also:
- Animal Farm oil pastel drawing by Ken
- Optimus Prime and Bumblebee drawing by Ken.. then and now..
- Toy Story 3 characters drawing by Ken..
- How to train your dragon drawings..
- more mr. men.. and little miss..
- more Mr. Men by ken..
- Mr. Men.. ken’s latest craze..
- coloring improvement..
- working mom busy mom..
J3tpost from :
CNY card from Ken..
Happy CNY 2012..
Happy Chinese New Year 2012

J3tpost from :
Happy Chinese New Year 2012
On the DBS/POSB ATM card fraud case in Singapore

So I’ve been writing in to a Minister once again. Probably not the first or last person to bring up these simple facts to Tharman Shanmugaratnam, Minister for Finance of Singapore, but I thought I would contribute my two cents (ha, ha). Here it goes :
…
Delivered-To: …
Subject: Improving security for ATM/NETS cards
From: Low Ee Mien [...]
To: tharman_s@mof.gov.sg
Dear Minister for Finance,
I am writing in my personal capacity regarding the recent DBS/POSB ATM fraud case. As we have seen, the two-factor authentication mechanism of ATM/NETS cards has been defeated. The perpetrators have managed to successfully obtain both factors of authentication : something you have (ATM card details via the card skimming device), and something you know (ATM PIN via a strategically-located pinhole camera).
It has been proven time and again that the magnetic stripe data such as those being used in the ATM and NETS cards in Singapore is quite easily copied. This magnetic stripe technology was invented over 50 years ago and is able to contain at most a few bytes of information, and has no processing capability of any sort, nor any form of cryptographic technology to resist cloning or tampering. In short, this is a completely outdated technolgy that the whole of our nation is using for our daily financial transactions, at thousands of retail establishments, ATM’s, top-up kiosks, and so on.
Something needs to be done about this glaring security vulnerability.
As you can see from the link below, Malaysia’s Maybank is already ahead of Singapore in this respect :
http://www.maybank2u.com.my/mbb_info/m2u/public/personalDetail04.do…
The Maybank ATM card includes an embedded smartcard chip, which as their website states, offers “Increased security, as the smart chip is tamper-resistant and the data stored is harder to extract and copy”. This is the key point : smartcard technology, well established by now, mitigates many of the shortcomings of magnetic stripes. It is much harder to simply clone compared to magnetic stripes and requires sophisticated and intrusive physical attacks to get to the private key data contained in the smartcard chip. The technology currently required to carry out such attacks does not fit in a simple card skimmer that can be installed in an ATM card slot. Other security measures such as revocation of the certificates of any particular set of smartcards can be carried out on demand. In addition, manufacturers have already included a number of on-board security measures in smartcard processor chips to resist cloning and tampering.
Hence, in the interest of increased security for banking customers, I would like to suggest that MAS work towards regulations requiring all banks issuing ATM and NETS cards to include embedded smartcard technology such as the EMV technology being used by VISA and other credit card issuers.
As an additional security measure, I would also like to suggest industry-wide regulation to eventually disallow transaction fallback to magnetic strip reading, thus removing one of the main factors contributing to ATM card fraud. The ultimate goal is for ATM/NETS cards to be issued *without* any form of magnetic stripes whatsoever, and ATM’s as well as POS terminals to be updated to smartcard-acceptance only, thus finally retiring this outdated 50-year old magnetic stripe technology.
Thank you for your attention.
Low Ee Mien (Mr)
- Sure, smartcards are not impossible to defeat, but they are much harder than the increasingly laughable magnetic stripes, with card skimmers being more readily available nowadays, even apparently custom fitted to closely resemble the “anti-intrusion” devices installed over the ATM card slots. Some have said that 3D printers have now been used to create the exact shapes of these “anti-skimming” devices, or Fraudulent Device Inhibitor (FDI), in an ironic application of cutting-edge technology being used to defeat a simple physical device that was meant to guard against just such occurrences of card skimmers being installed.
The measures announced by the bank are well and fine, such as blocking foreign ATM withdrawals for folks who have not used them overseas, sending out SMS messages and so on, but all these reek of reactionary and stop-gap measures.
I don’t quite agree with the DBS CEO’s claim that replacing the magstripes with smartcard chips has its own set of problems, such as : “The problem with that is it’s a huge inconvenience to customers. When you go to the US, they don’t accept chip cards”. My man, the world is moving away from this outdated magstripe technology, I am frankly surprised and amazed simply that Singapore has not gone along and our neighbour Malaysia has. Fact is, we are actually behind Maybank Malaysia in this area and there’s quite a bit of catching up to do.
J3tpost from :
On the DBS/POSB ATM card fraud case in Singapore
2011 Indicative Grade Profile for NTU (NTU cut-off points for 2012)
AY2011-12 Grade Profiles, Polytechnic GPAs and Programme Places for A level and Polytechnic Applicants to NTU (Nanyang Technological University)
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See also:
- 2011 Indicative Grade Profile for NUS (NUS cut-off points for 2012)
- 2011 Indicative Grade Profile for SMU (SMU cut-off points for 2012)
Reference:
NTU – 2011 Indicative Grade Profile
NTU – Undergraduate Admissions
J3tpost from :
2011 Indicative Grade Profile for NTU (NTU cut-off points for 2012)
2011 O-Levels cut off point to Polytechnic in Singapore (JAE 2011 Cut-Off Points)
The CCA Bonus Point System
Applicants who meet the minimum entry requirements for admission to a Polytechnic course and have done well in CCA will receive bonus points when being considered for admission into their chosen course of study at the polytechnics.
| Qualification | CCA Grade | No. of Bonus Points Awarded |
| GCE “O” Level holders | a. Grades of A1 – A2 | 2 points |
| b. Grades of B3 – C6 | 1 point | |
| ITE Higher NITEC & NITEC holders | a. Grade A | 0.2 point |
| b. Grade B | 0.15 point | |
| c. Grade C | 0.1 point | |
| d. Grade E | 0.05 point |
Courses available in 2011 and the JAE 2011 Cut-Off Points (COP)
COP indicates the ELR2B2 aggregate score (after deducting CCA bonus points) of the last student posted to the course under the 2011 JAE.
| Courses by Group | Poly | Course Code | 2011 JAE COP |
| A. APPLIED SCIENCES | |||
| Applied Chemistry with Pharmaceutical Science | SP | S64 | 12 |
| Applied Food Science & Nutrition | TP | T26 | 17 |
| Baking & Culinary Science | TP | T44 | 16 |
| Biologics & Process Technology | NYP | C49 | 16 |
| Biomedical Informatics & Engineering | TP | T38 | 19 |
| Biomedical Science | SP | S98 | 8 |
| Biomedical Science | TP | T27 | 11 |
| Biomedical Science / Biomedical Laboratory Technology | NP | N59 | 9 |
| Biomedical Sciences | RP | R14 | 19 |
| Biotechnology | RP | R16 | 23 |
| Biotechnology | SP | S72 | 10 |
| Biotechnology | TP | T31 | 13 |
| Chemical & Biomolecular Engineering | NP | N56 | 13 |
| Chemical & Green Technology | NYP | C55 | 17 |
| Chemical & Pharmaceutical Technology | NYP | C73 | 17 |
| Chemical Engineering | SP | S70 | 12 |
| Chemical Engineering | TP | T33 | 18 |
| Environmental Science | RP | R29 | 26 |
| Food Science & Nutrition | NYP | C69 | 16 |
| Food Science & Technology | SP | S47 | 14 |
| Landscape Design & Horticulture | NP | N57 | 18 |
| Materials Science | RP | R17 | 26 |
| Materials Science | SP | S37 | 15 |
| Medicinal Chemistry | NYP | C45 | 14 |
| Molecular Biotechnology | NP | N49 | 10 |
| Molecular Biotechnology | NYP | C74 | 13 |
| Nutrition, Health & Wellness | SP | S44 | 12 |
| Perfumery and Cosmetics Science | SP | S38 | 13 |
| Pharmaceutical Science | TP | T25 | 13 |
| Pharmaceutical Sciences | RP | R22 | 25 |
| Pharmaceutical Sciences | NYP | C65 | 14 |
| Pharmacy Science | NP | N73 | 10 |
| Veterinary Bioscience | NP | N90 | 9 |
| Veterinary Technology | TP | T45 | 11 |
| B. BUILT ENVIRONMENT | |||
| Architecture | SP | S66 | 14 |
| Civil Engineering with Business | SP | S68 | 17 |
| Environmental & Water Technology | NP | N74 | 15 |
| Environmental Management & Water Technology | SP | S52 | 14 |
| Green Building & Sustainability | TP | T29 | 20 |
| Hotel & Leisure Facilities Management | NP | N40 | 13 |
| Hotel & Leisure Facilities Management | SP | S95 | 14 |
| Integrated Events & Project Management | SP | S50 | 13 |
| Integrated Facility Management | TP | T28 | 16 |
| Landscape Architecture | SP | S94 | 17 |
| Real Estate Business | NP | N48 | 15 |
| Sustainable Urban Design & Engineering | NP | N89 | 15 |
| C. BUSINESS & MANAGEMENT | |||
| Accountancy | NP | N51 | 11 |
| Accountancy | SP | S75 | 11 |
| Accountancy & Finance | NYP | C98 | 13 |
| Accounting & Finance | TP | T02 | 11 |
| Arts Business Management | NP | N91 | 11 |
| Aviation Management & Services | TP | T04 | 11 |
| Banking & Financial Services | NYP | C96 | 14 |
| Banking & Financial Services | NP | N53 | 9 |
| Banking & Financial Services | SP | S76 | 11 |
| Business & Social Enterprise | NP | N79 | 12 |
| Business Administration | SP | S71 | 12 |
| Business Information Technology | NP | N61 | 14 |
| Business Information Technology | SP | S82 | 15 |
| Business Information Technology | TP | T36 | 16 |
| Business Innovation and Design NEW! | SP | S71 | - |
| Business Management | NYP | C94 | 16 |
| Business Process & Systems Engineering | TP | T43 | 18 |
| Business Studies | NP | N45 | 11 |
| Business/Logistics & Operations Management/Marketing | TP | T01 | 14 |
| Communications & Media Management | TP | T40 | 12 |
| Consumer Behaviour and Research NEW! | RP | R48 | - |
| Culinary & Catering Management | TP | T18 | 15 |
| Customer Relationship and Service Management | RP | R34 | 25 |
| Financial Business Informatics | TP | T17 | 14 |
| Financial Informatics | SP | S46 | 12 |
| Food & Beverage Business | NYP | C46 | 16 |
| Fund Management & Administration | NYP | C56 | 16 |
| Hospitality & Tourism Management | TP | T08 | 14 |
| Hospitality & Tourism Management | NYP | C67 | 16 |
| Hotel and Hospitality Management | RP | R37 | 18 |
| Human Resource Management with Psychology | SP | S48 | 12 |
| Integrated Events Management | RP | R28 | 20 |
| International Business | NP | N85 | 6 |
| International Business | SP | S36 | 8 |
| International Supply Chain Management and Logistics Management 1 | NP | N80 | 16 |
| Law & Management | TP | T09 | 13 |
| Leisure & Resort Management | TP | T19 | 15 |
| Marketing | NYP | C99 | 17 |
| Mass Media Management | NYP | C93 | 15 |
| Restaurant and Culinary Operations | RP | R46 | 20 |
| Retail Management | TP | T39 | 17 |
| Sport & Wellness Management | NYP | C81 | 17 |
| Sports & Leisure Management | RP | R27 | 26 |
| Tourism & Resort Management | NP | N72 | 10 |
| Tourism and Resort Management | SP | S55 | 12 |
| Wellness, Lifestyle and Spa Management | RP | R44 | 21 |
| D. ENGINEERING | |||
| Aeronautical & Aerospace Technology | NYP | C51 | 15 |
| Aeronautical Engineering | SP | S88 | 12 |
| Aerospace Avionics | RP | R20 | 23 |
| Aerospace Electronics | NP | N75 | 13 |
| Aerospace Electronics | SP | S90 | 14 |
| Aerospace Electronics | TP | T50 | 15 |
| Aerospace Engineering | TP | T51 | 13 |
| Aerospace Engineering 2 | RP | R40 | 21 |
| Aerospace Systems & Management | NYP | C52 | 16 |
| Aerospace Technology | NP | N65 | 12 |
| Audio-visual Technology | NP | N76 | 14 |
| Automation & Mechatronic Systems | NP | N50 | 21 |
| Bioengineering | SP | S58 | 14 |
| Biomedical Electronics | RP | R15 | 26 |
| Biomedical Engineering | NP | N60 | 15 |
| Biomedical Engineering | NYP | C71 | 18 |
| Civil Aviation | RP | R39 | 21 |
| Clean Energy | SP | S45 | 16 |
| Clean Energy | TP | T52 | 19 |
| Clean Energy Management | NP | N84 | 15 |
| Common Engineering Programme | RP | R42 | 26 |
| Common Engineering Programme | SP | S40 | 16 |
| Common Engineering Programme | TP | T56 | 20 |
| Computer Engineering | SP | S53 | 19 |
| Computer Engineering | TP | T13 | 20 |
| Digital & Precision Engineering | NYP | C62 | 17 |
| Digital Entertainment Electronics | RP | R38 | 26 |
| Electrical & Electronic Engineering | SP | S99 | 19 |
| Electrical & Electronic Engineering Programme 3 | TP | T05 | 20 |
| Electrical Engineering | NP | N43 | 22 |
| Electrical Engineering with Eco-Design | NYP | C48 | 20 |
| Electronic & Computer Engineering | NP | N44 | 23 |
| Electronics, Computer & Communications Engineering | NYP | C89 | 26 |
| Engineering Science | NP | N93 | 9 |
| Engineering with Business | SP | S42 | 15 |
| Engineering with Business Management Programme | NP | N71 | 17 |
| Industrial & Operations Management | RP | R11 | 26 |
| Infocomm & Network Engineering | TP | T37 | 22 |
| Info-Communication Engineering & Design | SP | S85 | 20 |
| Manufacturing Engineering | NYP | C88 | 26 |
| Mechanical Engineering | NP | N41 | 20 |
| Mechanical Engineering | SP | S91 | 18 |
| Mechatronics/Aerospace Engineering | TP | T06 | 20 |
| Mechatronics and Robotics | SP | S73 | 20 |
| Mechatronics Engineering | NYP | C87 | 26 |
| Micro & Nanotechnology | RP | R30 | 26 |
| Multimedia & Infocomm Technology | NYP | C75 | 25 |
| Nanotechnology & Materials Science | NYP | C50 | 19 |
| Renewable Energy Engineering | RP | R41 | 26 |
| Supply Chain Management | RP | R21 | 24 |
| Telematics & Media Technology | NYP | C53 | 21 |
| E. HEALTH SCIENCES | |||
| Dental Hygiene and Therapy | NYP | C72 | 12 |
| Health Management and Promotion | RP | R43 | 26 |
| Health Sciences (Nursing) | NP | N69 | 28 |
| Healthcare Administration | RP | R45 | 25 |
| Nursing | NYP | C97 | 28 |
| Optometry | NP | N83 | 12 |
| Optometry | SP | S67 | 12 |
| Outdoor & Adventure Learning | RP | R33 | 25 |
| Sports & Exercise Sciences | RP | R26 | 25 |
| Sports Coaching NEW! | RP | R49 | - |
| F. HUMANITIES | |||
| Applied Drama and Psychology | SP | S43 | 13 |
| Child Psychology & Early Education | NP | N86 | 11 |
| Chinese Studies ^ | NP | N70 | 13 |
| Creative Writing for Television and New Media | SP | S41 | 12 |
| Early Childhood Education | NP | N66 | 14 |
| Early Childhood Studies | TP | T54 | 13 |
| Gerontological Management Studies | TP | T53 | 16 |
| Psychology Studies 4 | NP | N77 | 10 |
| Psychology Studies | TP | T48 | 9 |
| Social Sciences( Social Work) | NYP | C47 | 13 |
| G. INFORMATION & DIGITAL TECHNOLOGIES | |||
| Business Applications | RP | R18 | 25 |
| Business Enterprise IT | NYP | C68 | 18 |
| Business Informatics | NYP | C78 | 18 |
| Business Information Systems | RP | R13 | 26 |
| Business Intelligence & Analytics NEW! | NYP | C43 | - |
| Business Intelligence and Analytics NEW! | TP | T57 | - |
| Cyber & Digital Security | TP | T15 | 16 |
| Digital Entertainment Technology (Games) | NYP | C70 | 20 |
| Digital Forensics | TP | T55 | 12 |
| Digital Visual Effects | NYP | C57 | 19 |
| Engineering Informatics | NYP | C80 | 23 |
| Financial Informatics | NYP | C58 | 15 |
| Financial Informatics | NP | N81 | 14 |
| Game & Entertainment Technology | TP | T16 | 19 |
| Infocomm Security Management | SP | S54 | 15 |
| Information Security | NYP | C54 | 17 |
| Information Technology | NYP | C85 | 20 |
| Information Technology | NP | N54 | 18 |
| Information Technology | RP | R12 | 26 |
| Information Technology | SP | S69 | 17 |
| Information Technology | TP | T30 | 19 |
| Interactive and Digital Media | RP | R31 | 26 |
| Interactive Media 5 | SP | S57 | 17 |
| Interactive Media Informatics | TP | T34 | 22 |
| IT Service Management | RP | R23 | 26 |
| Mobile & Network Services | TP | T42 | 21 |
| Mobile Software Development NEW! | RP | R47 | - |
| Multimedia & Animation | NP | N55 | 14 |
| Music & Audio Technology | SP | S97 | 12 |
| Network Systems & Security | NP | N64 | 17 |
| H. MARITIME STUDIES | |||
| Marine & Offshore Technology | NP | N42 | 17 |
| Marine Engineering | SP | S63 | 16 |
| Maritime Business | SP | S74 | 16 |
| I. MEDIA AND DESIGN | |||
| 3D Interactive Media Technology | TP | T49 | 21 |
| Advertising & Public Relations | NP | N87 | 12 |
| Animation & 3D Arts | NP | N92 | 12 |
| Apparel Design & Merchandising | TP | T20 | 15 |
| Chinese Media & Communication | NP | N88 | 13 |
| Communication and Information Design | RP | R32 | 21 |
| Design for Interactivity | RP | R36 | 22 |
| Digital Animation | SP | S35 | 15 |
| Digital Media Design (Animation) | NYP | C61 | 18 |
| Digital Media Design (Games) | NYP | C60 | 20 |
| Digital Media Design (Interaction Design) | NYP | C59 | 22 |
| Digital Visual Effects | NP | N78 | 15 |
| Environment Design | TP | T46 | 19 |
| Experience and Product Design | SP | S51 | 16 |
| Film, Sound & Video | NP | N82 | 11 |
| Game Design | RP | R35 | 22 |
| Games Design & Development | SP | S56 | 16 |
| Industrial Design | NYP | C83 | 20 |
| Interactive Media Design | TP | T21 | 18 |
| Interior Architecture & Design | TP | T22 | 15 |
| Interior Design | SP | S89 | 16 |
| Mass Communication | NP | N67 | 10 |
| Media and Communication | SP | S86 | 12 |
| Motion Graphics & Broadcast Design | NYP | C66 | 18 |
| Moving Images | TP | T23 | 19 |
| New Media | RP | R19 | 22 |
| Product & Industrial Design | TP | T35 | 19 |
| Product Design & Innovation | NP | N68 | 17 |
| Retail & Hospitality Design | TP | T47 | 17 |
| Sonic Arts | RP | R24 | 19 |
| Space & Interior Design | NYP | C64 | 18 |
| Technology & Arts Management | RP | R25 | 21 |
| Visual Communication | TP | T24 | 14 |
| Visual Communication | NYP | C63 | 17 |
| Visual Communication and Media Design | SP | S93 | 14 |
| Visual Effects and Motion Graphics | SP | S39 | 16 |
1 – Merger of International Supply Chain Management and Logistics Management (NP)
2 – Aerospace Engineering (Quality Systems) (RP) in 2011
3 – Known as Electronics/Media & communication Technology/Computer Engineering/Microelectronics/Aerospace Electronics (TP) in 2011
4 – Known as Psychology & Community Services (NP) in 2011
5 – Known as Digital Media (SP) in 2011
See also:
- 2011 O-Levels cut off point to JC (Junior College) in Singapore
- 2010 O-Levels cut off point to JC (Junior College) in Singapore
- 2011 Indicative Grade Profile for SMU (SMU cut-off points for 2012)
Reference:
Guide to Polytechnic Education Singapore – JOINT ADMISSIONS EXERCISE (JAE)
J3tpost from :
2011 O-Levels cut off point to Polytechnic in Singapore (JAE 2011 Cut-Off Points)
2011 Indicative Grade Profile for NUS (NUS cut-off points for 2012)
Notification of Grade Profiles and Course Places for Singapore-Cambridge GCE A-levels and Local Polytechnic Diploma Applicants for the AY2012/2013 NUS Undergraduate Admissions Exercise
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See also:
Reference:
NUS – 2011 Indicative Grade Profile
J3tpost from :
2011 Indicative Grade Profile for NUS (NUS cut-off points for 2012)
2011 Indicative Grade Profile for SMU (SMU cut-off points for 2012)
2011 Grade Profiles for GCE A-Level and Polytechnic Applicants to Singapore Management University (SMU)
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See also:
Reference:
SMU – 2011 Grade Profile
Apply to SMU (Singapore Management University)
J3tpost from :
2011 Indicative Grade Profile for SMU (SMU cut-off points for 2012)








