Archive for October, 2009

Have You Secured Your ‘…Sucks’ Domain Name?

Date Wednesday, 28 October 2009  Posted in Category Domain Name & Web Hosting  Tags   Comment No Comments »

If you are the Internet strategiser for a big brand, please consider securing your organisation’s domain name with the ‘…sucks’ word such as before others register it.

I have found out the following domain names are not available: (American Airline) (Barnes and Noble) / (Standard Chartered)

Domain name with ‘sucks’ / ‘suck’ word may not be necessary to your organisation and there’s no ROI, but if you found out how your brand name is being damaged, like then you’ll feel 10 bucks is worth every penny.

Business News: owner wins domain-name case (Bloomberg loses “sucks” domain name case)

Want to check your domain name availability? Please visit

Is Bachelor’s Degree a Must for the Managerial Position?

Date Friday, 16 October 2009  Posted in Category Work  Tags ,   Comment No Comments »

It is debatable! I have conducted an online survey for working professional (mostly IT techies) and result shown 55% of them agreed that bachelor’s degree is a must for the managerial position.


Survey Statistic

Let’s see what they said:

1. Agree

  • If he/she had a very strong skills which everyone recognize, there will not be needed, but at least he/she must have to go part time MBA or some related course. else, wouldn’t it be a waste for those who taken so much time to complete the course? but mostly promoted… are those bachelor in TALKING & TAIJI skills..
  • Bachelor’s degree should be a requirement for managerial position. How would he/she be respected by his subordinates, who have finished college or have even taken masters degree, if he/she is a college dropout or if he/she didn’t even bother to finish college?
  • Even though it just a paper but you need it.It not just about skills n experiences but good brain too.
  • It should… I think not only for managerial positions, but for any position that is of office-function type.
  • back in my country, some companies would even require you to have a master degree for you to get to a managerial position. but experience is always better than a degree. if you have experience, then its better than any degree out there
  • A manager must always come from a non-manager/technical/executive position, if a non-manager/technical/executive guy doesn’t have a degree, how did he/she get hire at the first place? (Analyst Programmer needed: minimum requirement: SPM/STPM, Can do Java, C#…?). That’s just a question from the people that want a manager salary but too lazy to get a degree.
  • Looking at the current market standard, I think its a must for a bachelor’s degree to acquire managerial position
  • A lot of ppl have similar experience and skills and therefore in this competitive world, yes it’s a MUST unless he is Lim Goh Tong.
  • Yeah babeh
  • In an IT enterprise company, one needs credibility for all managerial decisions. Skills is learned yes but when bad thing happens, a lack of credentials can be the cause of management mishaps. One can finish a degree while reaching for managerial position – be pragmatic.

2. Disagree

  • Experience is more priority.
  • Bachelor’s degree is just a paper. If just a theory is good than practical of the person, he/she would not be a “Good Manager”
  • why not you tell me why. is debatable
  • The most important is attitude and management skill.
  • Now we can obtain certificate with any education institution if you have the correct amount of money. Educational back ground is important but not as a measurement for a manager position. In my experience, manager can’t be created overnight or within a year but must be grom up to the level. You cant be a manager if you don’t know how to manage your time then how are you going to manage other people and their time at work.
  • Degree holder doesn’t guarantee a great manager.
  • pls consider the number of years in related work experience and the merit of the person should take the upper basis
  • Managerial position require brains not certified toilet papers.
  • Managerial skills are more on observation and attitude related and not on how many certifications that person have..
  • I think it is not a must, because this position related to communication skills, performance and working attitude. Bachelor’s degree can’t evaluate all these factor if without experiences..
  • experience, management skills, personality are more important
  • Neither Agree nor Disagree. I believe it’s nothing to do with education attainment its something to do with the work performance and have a potential skills/talent of a manager, people skills per se.
  • caliber is more important
  • degree is a plus but not a must
  • You can see those kedai runcit/SME/partnership fella has the capability to hold the position as CEO and director written in their name card. it can happen.
  • A degree says nothing on a person’s ability in management. Is PhD a must for CEO position? : )
  • Some Managers even have a Masters but can’t do the job better than a diploma holder.

My personal comment

It is true that most manager jobs required candidates with recognize degree or master/MBA preferable.

From my perspective, a manager is expected to be a lot of things. A tower of strength, a leader and innovator, a kindly uncle/aunt, a shoulder to cry on, a dynamic motivator, a stern but fair judge, a diplomat, a politician, a protector, a saviour and a top person responsible for a whole gang of people (that he/she may not like?). These soft-skill neither learn from school nor case study project but gain from years of experience in management. – “A good fighter may not be a good master, a good master may not be a good fighter.”

Once you've build a good team it gets in the habit of having you as the Manager

Once you've build a good team it gets in the habit of having you as the 'Manager'

Internet Merchants, How Can You Prevent and Reduce Fraudulent Activity on Your E-commerce Website?

Date Thursday, 15 October 2009  Posted in Category Computer Resources  Tags , , ,   Comment 2 Comments »

You may want to setup an e-commerce website to increase profit from online marketplace. Before that, you need to know a little something about the negative impact and the disadvantages of accepting credit cards payment online.


A chargeback occurs when an individual credit card holder contacts the credit card issuing bank to deny and claims that he or she did not authorise a transaction made and request to dispute the charges. The credit card issuing bank will then take the money back from the acquiring bank (merchant bank). Chargebacks are typically reported on a weekly or bi-weekly basis by the acquirer to the merchant, costs to the merchant when this happens include:

  • Loss of merchandise
  • Loss of revenue
  • Per-chargeback administration fees (such as RM45)
  • Fines for chargebacks (depends on the number of disputed transaction incidents)
  • Risk of losing merchant account due to high chargeback rates, and associated loss of ability to accept credit cards payment online.

The above diagram is a typical Internet credit card transactions process flow model

Approaches to managing fraud

When you are setting up or selecting a billing system on your e-commerce website, ensure the following approaches are implemented:

  • Address Verification Service (AVS)
    Request for the billing address (statement address) to be submitted for credit card issuing bank’s verification. It can help reduce fraud when the perpetrator does not have a billing address.
  • Details As Per Statement
    Request for the credit card holder’s statement name instead of name on card to be submitted for credit card issuing bank’s verification.
  • Card Verification Code/Value (CVC/CVV/CVV2)
    Request for the CVV (3-4 additional digits which is printed on the back of the credit card) to be submitted for credit card issuing bank’s verification. These digits do not appear on credit card statements, it indicates the purchaser has the physical card or its details.
  • Image Verification Service (IVS) / CAPTCHA
    Request purchaser to enter the random image for authentication. Because IVS requires a humans to type the random words that appear, it can prevent the Internet auto-submission-bot attack.
  • Rules-Based Systems / Manual Review of Orders
    Create your own rules-based system for automating the review of orders before submiting for credit card issuing bank’s verification. If the transactions amount (such as large orders or expensive items) has exceeded your rules set, the purchaser information will need to be verified (such verifications like- is this a new customers? is this shipping address same as billing address? does this order required manual review? etc).
  • SecureCode Verification by Credit Card Issuing Bank
    Many local credit card issuing bank have already implemented the SecureCode verification as the 2nd layer authentication on Internet credit card transactions. To obtain this SecureCode, the credit card holder is required to submit other P&C information for process (such as mother name, mobile number, home branch and etc).

One of the local cinemas' e-ticketing system, which perpetrator needs only a few of credit card details- card number, name on card, expiry date and CVC. This type of simple authentication form which can make fraud easier.

Bottom line

credit-card-frontAlthough each of above approaches can help, but remember that the Internet transaction is considered a “Card-Not-Present” transaction by the credit card issuing bank. The merchant is still wholly responsible for the fraudulent transaction, even if the merchant has proof of signature during the delivery.

In any Internet fraudulent transaction incident, the merchant is always on the losing side. So selecting a good e-commerce plan and a reliable payment gateway service provider is pretty important.