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Electoral roll: What else is the EC hiding?
In two previous articles, I highlighted 10 problems associated with the electoral roll as part of the preliminary findings of the Malaysian Electoral Roll Analysis Project (Merap), a research effort to identify and understand problems with the existing electoral roll.
In this article, I want to highlight further problems involving far more voters than those identified in the previous two articles. [see Part 1 I Part 2]
Firstly, approximately 3.1 million voters were identified as potential non-resident voters by the National Registration Department (NRD) in 2002. This data was given by NRD to the Election Commission (EC) but no action was taken by the EC to assess the magnitude of this problem and to identify ways to rectify it.
Secondly, using the EC's own data which lists the nationality or 'bangsa' of each voter, approximately 65,000 voters were identified as having foreign nationalities. Of these, close to 90 percent or 58,000 had IC numbers which indicate that they were born in Malaysia.
In addition, approximately 49,000 of these voters came from one state alone – Sabah – which has a well-documented history where ICs were given to illegal immigrants in order to allow them to register as voters.
Thirdly, by comparing the electoral rolls in Quarter 4 (Q4) 2010 and Quarter 3 (Q3) 2011 and by cross-checking them with the quarterly updates in the first to third quarters in 2011, it was found that there were 106,743 voters removed from the electoral roll without public display and another 6,762 voters added to the electoral roll during the same period, also without public display.
Fourthly, important information provided by the EC in the Q1 to Q3 2011 quarterly roll updates such as the reasons for the deletion of names from the electoral roll were omitted in the Q4 2011 quarterly roll. This omission immediately raises concerns about the possibility of concealing important information by the EC in order to prevent detailed analysis from being conducted.
Adding the figures which I found from the initial preliminary analysis to the figures highlighted in this article, I have identified approximately 3.4 million cases where further investigation needs to be conducted by the EC in order to verify the legitimacy of these voters because this is the pool of problematic registrations that currently tars the integrity and accuracy of the electoral roll.
1) 3.1 million potential non-resident voters
In 2002, the information systems section of the NRD (Bahagian Perkhidmatan Sistem Maklumat) conducted an exercise called Projek SPR where the IC addresses of all voters in Peninsular Malaysia were compared with the voting constituencies of these voters.
The main purpose behind this project was to identify all the voters whose IC addresses did not correspond to the constituencies that these voters were registered in.
For example, if a person's IC address was somewhere in Bukit Gasing in Petaling Jaya, which is located in the PJ Selatan parliamentary constituency but if this person is registered as a voter in the Shah Alam parliamentary constituency, then this voter would be classified as a potential non-resident voter (pengundi luar kawasan).
A total of 3,082,482 million voters were identified as potential non-resident voters, meaning that their IC addresses did not correspond with their voting constituencies. This constituted 37 perrcent of the then 8.3 million voters in Peninsular Malaysia in 2002.
Of course, not all of these 3.1 million voters are non-resident voters. For example, a person's IC address may be that of his parent's home in Bukit Gasing, but he may be currently residing in a house in Shah Alam and registered as a voter in that constituency.
Article 119 (1) of the Federal Constitution states that "Every citizen who (a) has attained the age of twenty-one years on the qualifying date; and (b) is resident in a constituency on such qualifying date or, if not so resident, is an absent voter, is entitled to vote in that constituency in any election to the House of Representatives or the Legislative Assembly…"
This means that only those who are residents in a particular constituency when they register as voters are qualified to vote in that particular constituency.
The presence of such a large number of voters whose IC addresses do not correspond with their voting constituencies clearly shows that the problem of non-resident voters is a serious one, even if only a small proportion of these 3.1 million voters were not residents in these constituencies at the time of their registration.
The possibility of these voters not being resident voters is further enhanced when one considers the lax standards required before 2002 in order to 'qualify' as a resident of a constituency. All someone needed to do prior to 2002 was to show some sort of proof that he was a resident in a particular area – an electricity or phone bill for example.
A number of politicians whom I interviewed on an informal basis told me that the requirement for this proof of residency was often waived. This meant that many strategic politicians could pad their respective constituencies with supporters, friends and family, even though they did not live in that constituency.
One manifestation of this voter padding exercise is the presence of houses with a large number of registered voters.
According to analysis done by Mimos (Malaysian Institute Of Microelectronic Systems), as instructed by the parliamentary select committee on Electoral Reform, 938 houses with between 51 and 100 registered voters each and 523 houses with more than 100 registered voters were identified in the most recent electoral roll.
If we include the 2,071 houses with between 21 and 50 registered voters each and the 3,949 houses with between 11 and 20 registered voters, there are approximately 260,000 voters who are registered in houses with 11 or more registered voters.
And this excludes localities with no house addresses (kampung or longhouses, for example). This is a legacy system left behind by the pre-2002 electoral roll where non-resident voters were registered in addresses that they did not live in.
Perhaps the most worrying aspect of this NRD analysis is that the EC, as far as we know, made no effort to identify the magnitude of this problem – how many of these voters were actually non-resident voters – nor did the EC seem to take any measure in order to rectify this problem in the pre-2002 electoral roll.
2) 65,000 'foreigners' in the electoral roll
The EC collects comprehensive data on the 'bangsa' or nationality of individual voters. This data is not distributed to political parties, not officially at least, but contains valuable information that can be used to identify problematic registrations.
Table 2 below lists the nationalities which I classified as 'foreign'. I then extracted all the voters from the Q3 2011 electoral roll which were categorised as belonging to either one of these nationalities or 'bangsa'.
I identified approximately 65,000 'foreigners' on the Q3 2011 electoral roll using this list of 'foreign' nationalities. Out of these 65,000 voters, I found that approximately 58,000 or 90 percent had IC numbers which indicated that they were born in one of the states in Malaysia.
This was quite unexpected, since I presumed that most of these foreigners would have IC numbers which would indicate that they were born outside Malaysia rather than in Malaysia.
After all, if we met 10 random 'Italians' who are Malaysian citizens, wouldn't we expect most of them to be born outside Malaysia and subsequently became naturalised Malaysian citizens? Instead, we find the opposite phenomenon, whereby a majority of these foreign voters are born in Malaysia instead.
More worrying is the fact that approximately 49,000 voters out of 65,000 are foreign voters, or 75 percent, and they are in Sabah, where cases of illegal immigrants being given Malaysian ICs has been well-documented.
Out of these 49,000 foreigners in Sabah, almost 48,000 or 97 percent are 'Malaysian born'.
Table 3 below shows the distribution of these 65,000 foreigners by state and the number and percentage of these voters with IC numbers that indicate that they were born in Malaysia.
Armed with this kind of information, the EC can easily do an audit of these foreign voters in Sabah, perhaps in cooperation with NRD, to verify if their identities are indeed legitimate and that they are resident voters. As it is, the presence of these voters and the high percentage of them who are Malaysian-born certainly raise serious concerns.
3) Mysterious deletions and additions
In every quarterly update of the electoral roll (Rang Daftar Pemilih Tambahan, or RDPT), the names of those who are newly registered voters, those who have changed their addresses and those whose names have been deleted from the electoral roll in a constituency have to be publicly displayed in a location within that constituency, usually in a government building.
The number of voters who have been added and deleted from the gazetted electoral roll before and after this public display and after the possible objections to the inclusion and the exclusion of some names must add up.
For example, if the gazetted roll had 10,000 voters before the quarterly update, during which 1,000 voters were added and 500 voters were deleted, the gazetted roll after public display should contain 10,500 voters.
My team of researchers compared the number of voters in the Q4 2010 with the Q3 2011 electoral roll and cross checked the numbers with the Q1, Q2 and Q3 2011 electoral roll updates. What we found was that 106,743 voters in the Q4 2010 electoral roll no longer appeared in the Q3 2011 electoral roll and also did not appear in the Q1 to Q3 2011 electoral updates as deleted voters.
This means that they were deleted from the electoral roll without public display. In addition, we found that 6,762 new voters were found in the Q3 2011 electoral roll but these new voters did not appear in any of the quarterly updates in 2011, meaning that these voters were added without public display!
The presence of such a high number of cases of additions and deletions without public display raises doubts as to whether these voters were removed or added under suspicious circumstances. It also raises questions about the number of voters that were removed/added without public display in the quarters prior to 2011.
4) Information on deletion of voters missing
The data given by the EC to the political parties for the Q1 to Q3 2011 quarterly updates had detailed information with regard to the reasons as to why a voter was deleted from the electoral roll.
These reasons include: death, change of address, having joined the police or army, losing one's citizenship, losing the status of being a postal voter and doubtful identities, just to name a few.
Tables 4 to 6 below show the number of voters added and deleted and the reasons for these deletions for the Q1 to Q3 2011 electoral roll updates.
But all of a sudden, the reasons as to why voters were deleted from the electoral roll were no longer included in the Q4 2011 electoral roll update.
What is more shocking is no voter was listed as being deleted as a result of death. The only data given is the number of voters who were deleted from the Q4 2011 electoral roll as a result of a change in address.
The summary of the Q4 2011 electoral roll update are given in Table 7 below.
One cannot help but wonder if the EC wanted to exclude the voters who had been deleted from the electoral roll because of the intense scrutiny given to the earlier Q1 to Q3 2011 electoral roll updates.
For example, the 42,051 voters whose identity was questionable because of their details could not be verified in the NRD database was revealed in the Q3 2011 update (highlighted in yellow in Table 6 above).
In addition, the sudden increase in the number of deletions in Q3 2011 because of voters entering into the army/police force (highlighted in blue in Table 6 above) also may have drawn unwanted attention as to where these new army/police postal voters were being transferred to.
In-depth audit of electoral roll needed
The data shown in this article raises many concerns about the EC's desire to ensure a clean, accurate and transparent electoral roll.
The EC has clearly failed to act on important data with regard to problematic registrations that were handed over to it by NRD back in 2002 – the 3.1 million potential non-resident voters – and also data that it collected on its own – the 65,000 foreign voters in the Q3 2011 electoral roll.
In addition, the EC seems to have concealed important data from public knowledge, such as the nationality or 'bangsa' of the individual voters, deleting and adding voters without public display and excluding the reasons why voters were deleted from the electoral roll.
The EC should conduct an in-depth audit of the electoral roll, including further investigations into selected samples, and then consider various solutions to these problems, including automatic registration of all voters according to their IC addresses.
With the presence of these problems in the electoral roll, it is clear that the EC chairman's claim that Malaysia has world's cleanest electoral roll is one that is not based on reality or facts.
ONG KIAN MING holds a PhD in Political Science from Duke University. He is a lecturer and political analyst at UCSI University. He is also the project director of the Malaysian Electoral Roll Analysis Project (MERAP).
This article was published by Malaysiakini.
'Dubious' voters may decide GE13
In the first part of this article, I highlighted five problems with the electoral roll which were not addressed in the report by the Parliamentary Select Committee (PSC) on Electoral Reform.
In this second part, I will highlight five additional problems with the electoral roll, all of which concern the highly problematic area of postal voting among army and police personnel.
5. Postal voters who are registered using their regular ICs
Army personnel, who are postal voters, have IC addresses beginning with T. Police personnel, who are postal voters, have IC addressing beginning with R, G and I.
If any of these army or police voters were previously registered as voters using their civilian IC numbers, their civilian registration entries should be deleted from the electoral roll.
While this process may have taken place for most of these postal voters, the possibility that these voters appear twice on the electoral roll cannot be discounted. This possibility was not investigated by the PSC on Electoral Reform.
The analysis conducted by Mimos (Malaysian Institute Of Microelectronic Systems) on behalf of the PSC was only restricted to looking for voters who were registered under the same IC number.
Conducting this analysis requires massive amounts of computing power since the name and date of birth of each army and police postal voter has to be matched with the name and date of birth of every single entry in the electoral roll (currently numbering more than 12 million).
Even researchers, political parties and politicians who are interested in investigating the presence of this specific problem in the electoral roll would not have the capacity and know-how to conduct this analysis.
Table 3 below shows two examples of army voters who were also registered as voters using their civilian ICs. The civilian entries were deleted after their inclusion was referred to the Election Commission (EC).
This problem is not restricted to the presence of one person registering under his or her own civilian IC as well as his or her army/police IC.
It is also possible for the IC of army or police voter to be used by his or her spouse. If this occurs, it would be much harder to detect since it would not be the same name and date of birth registered under two ICs – one army/police and the other civilian.
If the spouse is registered twice, one using his or her own IC, and once using the civilian IC of his or her army/policy spouse, then the same name would appear twice but having to different dates of birth.
Of course, one way to detect this is to check for the mistake in the gender indicated by the IC and the gender of the voter as indicated by the EC records.
The screenshot below shows one such example of a wife who are registered as a voter using the IC number of the husband. The name of the voter is female as is their gender identity in the EC records but her IC number ends with an odd number which indicates that the holder of the IC is male.
When the IC number was inputted into the MyEG (Malaysian E-Government) website, the name of the male postal voters appeared.
After a total of 42 cases were discovered across five parliament seats in Negeri Sembilan (Seremban, Rasah, Telok Kemang, Rembau and Tampin) in Q2 (Quarter 2) of 2011, the EC was obliged to delete these names.
This was a very time-consuming task since the civilian IC addresses of the postal voters in question had to be 'tracked down' using other databases (since they are not given in the EC website). In this particular instance, the MyEG database was used because NRD (National Registration Department) no longer allows open access to their website to check for the validity of ICs.
If one's wife could be allowed to register using the husband's IC which has a different name, one wonders if another person could register using any police/army postal voter's civilian IC address?
Again, this possibility was not addressed in the PSC report. There are currently more than 200,000 army and police postal voters. To ensure that their civilian ICs are not being used by other people, a thorough investigation needs to be conducted using the civilian IC numbers of these army/police postal voters.
6. Spouses of police who are registered as postal voters
According to section 2 of Elections (Registration of Electors) Regulations 2002, spouses who qualifies to be registered as postal voters are as follows:
- Spouse of a serving member of regular naval, military or air force of Malaysia, the Commonwealth or other country;
- Spouse of a person in the public service of the Malaysian government or any state/local authority or statutory body who is living with the serving spouse outside the boundaries of Peninsular Malaysia or Sabah or Sarawak;
- Spouse of a person engaging in full-time studies at any university, training college or any higher educational institution outside the boundaries of Peninsular Malaysia or Sabah or Sarawak and who is living with the student at the time for application for registration as a parliamentary or state elector.
The spouse of a member of the police force is not eligible to be registered as postal voters.
But in our analysis of the postal voters in the June 2011, we found there were over 4,000 spouses of police voters who were registered as postal voters. Table 4 below shows a sample of spouses of police voters who are also registered as postal voters.
7. Spouses of army/police voters who are of the same gender
In this category, spouses of army/police who are of the same gender – i.e. same sex marriages – were identified.
For example, in the Setiawangsa June 2011 electoral roll, Harisah binti Ab Ghani (IC: 770130035668) was listed being married to Zaini binti Hamzah (IC: T1110543).
When Zaini binti Hamzah's IC was searched in the EC website, it was found that she had now become Zain bin Hamzah/Lelaki and had been shifted to the Ketereh parliamentary constituency in Kelantan.
In the most recent check, Zain was switched back to Zaini binti Hamzah. Both Zaini and Harisah's current voting constituency is unknown as both are listed as being 'processed' in the EC website.
8. Army and police voters who are above the retirement age
According to the army's website, the retirement age for army personnel is 55 (maximum). For certain grades, it is lower than 55. For other civil servants, the mandatory retirement age is 58.
A limited search of the June 2011 electoral roll revealed over 44 names of police postal voters who were above the age of 58.
For example, Wan Rasidy bin Roni (IC: RF151304), born on Nov 19, 1900, which makes him 112 this year, is registered in Balai Polis Lumut in the Lumut parliamentary constituency.
9. New army and police postal voters who are above the recruitment age
The maximum entry age for army recruits is not more than 30 years of age.
However, an investigation into the voters who were cut from the electoral roll in Q3 2011 because they had joined the army showed more than 200 recruits who were more the maximum age of 30.
Of equal or perhaps greater concern is that these over-aged recruits, who changed their place of voting in the 3Q of 2011, were then moved to another constituency in 4Q 2011.
For example, Abu Talib bin Ahmad (IC: 690625086571), aged 42, was taken out of the 3Q 2011 electoral roll because he had joined the army. He was originally registered in the parliamentary district of Kuala Kangsar in Perak as a regular voter with a civilian IC address.
According to the 4Q 2011 supplementary electoral roll, this voter, who was then registered in the parliamentary constituency of Jeli in Kelantan, was then transferred to the parliamentary constituency of Ketereh as a postal voter.
In other words, in the space of six months, this voter, who was not only over 30 years of age, had also experienced two changes in his voting constituency from Kuala Kangsar to Jeli and from Jeli to Ketereh.
Abu Talib bin Ahamd, aged 42, was registered as a new army postal voter in 3Q 2011.
Examples such as these raise the possibility that over-aged voters have been illegally 'recruited' as army postal voters and then quickly transferred from one electoral constituency to another in successive quarters in order to 'mask' the origin of these suspicious army recruits.
In the Q4 2011 data, the EC no longer gave details of why voters were deleted from the electoral roll, which meant that voters who joined the army and police could no longer be detected. One wonders why EC altered the structure of the data released by quarter from 3Q 2011 to 4Q 2011.
How much difference will these 'problematic' voters make?
At the end of the day, one should ask the question of how many 'problematic' voters are in the electoral roll. The simple answer is that we really do not know.
The cases highlighted under these 10 categories number approximately 100,000. But even within these categories, an exhaustive analysis has not been conducted because of time and manpower limitations.
These problems could potentially be the tip of the iceberg. They do not include addresses with a large number of registered voters. They do not include the 42,000 voters whose IC numbers could not be found in the NRD database.
They do not include other categories such as the insertion and removal of registered voters who do not appear in any of the quarterly electoral roll updates. They do not include other categories of possible electoral manipulation which have not yet been analysed or investigated such as the registration of voters in non-existent addresses.
The inclusion of these categories could easily increase the number of problematic voters to 400,000 names or approximately 1,800 votes divided over 222 parliamentary constituencies.
Considering that 35 seats out of 222 were won or lost by less than 2,000 votes, these problematic voters can potentially affect the balance of power in the next general election.
History repeats itself?
If one does not think that the presence of these problematic voters is not sufficient to swing the overall election results, I point to two past precedents where sudden increases in the number of voters in the electoral roll in states which were lost by BN which probably helped win the BN win back these states.
The two states are Sabah after the 1990 elections and Terengganu after the 1999 elections. We see the same pattern being repeated in the state of Selangor leading up to the 13th general election.
The number of voters in Sabah increased by 17.6% from 1990 to 1995 compared to the national average of 13.0%. This was just after PBS left the BN coalition prior to the 1990 Sabah state elections. PBS controlled the Sabah state government from 1990 to 1994.
In the state of Terengganu, the number of voters increased by a whopping 17.7% from 1999 to 2004 compared to a national average of 7.3%. Again, it is noteworthy that the state of Terengganu had fallen to the opposition during the 1999 general elections.
In 1999, the opposition won 28 out of 32 state seats and all eight parliamentary seats. In 2004, after this massive increase in the number of voters, the opposition won only one parliamentary and four state seats, an almost total reverse of the 1999 general election results.
In Selangor, according to the Q4 2011 electoral roll, the number of voters has increased by over 340,000 to more than 1.9 million voters since the 2008 general election. This represents an increase of 21.8% compared to a national average of 16.3%.
Some of these increases have occurred in areas which limited increases in the number of new housing estates and population inflows.
For example, the seat of Hulu Selangor, a marginal parliamentary seat, saw an increase of more than 17,000 voters, or 27.1%, from the 2008 general election to the Q4 2011 electoral roll.
Finally, for those who use the fact that the opposition managed to win a historic number of parliamentary seats and control of five state governments in the 2008 general election to say that the electoral roll is relatively clean and accurate, one could easily respond by saying that the opposition could have won even more seats if the electoral roll did not include these problematic voters.
The upcoming 13th general election is expected to be one of the most closely contested electoral battles in our nation's history. This increases the importance of having a relatively clean and transparent electoral roll to ensure that the results are a fair representation of the will of the electorate.
Without a strong commitment by the authorities, including the PSC on electoral reform, EC, NRD and the government of the day to firstly identify and then address these problems, the accuracy of the electoral roll cannot be ascertained with any degree of confidence.
Part 1: 10 problems in EC's electoral roll
ONG KIAN MING holds a PhD in political science from Duke University. He is currently a lecturer at UCSI University.
This article was published by Malaysiakini and Selangor Times.
10 major problems in EC's electoral roll
The Parliamentary Select Committee on Electoral Reform report, which was released earlier this week, highlights 22 recommendations on how to improve the electoral process.
I will not go through each and every recommendation or discuss the overall quality of these recommendations since others including the Bar Council chairperson and the Bersih steering committee have already done so.
What I will focus on in this two-part article is the many problems which are to be found in the electoral roll. To summarise, the report fails to acknowledge significant problems that have to do with the electoral roll, many of which are already well known, and seems to limit the scope of checking the accuracy of the electoral roll to a few not very useful parameters.
Section 10.6 of the report recommends that an independent agency such as Mimos (Malaysian Institute Of Microelectronic Systems), under the supervision of a newly-established PSC, be given the responsibility of checking the accuracy of the electoral roll.
Unfortunately the examples listed in Sections 10 and 11 of the report are not wide-ranging enough. For example, Mimos was given the task of checking to see if there are duplicate IC numbers in the electoral roll. Not surprisingly, this search failed to turn up any such entries.
Mimos only did a search for duplicate entries using the new IC (identity card) numbers and not the old IC numbers. Nor did Mimos did a search to see if the civilian IC numbers of army and police postal voters (who have their own unique army and police IC numbers) appear on the electoral roll.
As will be clear later in this article, these are but some of the methods in which the electoral roll can be manipulated and abused.
The only significant problem area identified in the report was the presence of addresses with more than 50 registered voters. There were 938 addresses with between 51 to 100 registered voters and another 324 with more than 100 registered voters.
For these cases, the report recommends that the Elections Commission (EC) display these names in public so that the voters in question can come forward to help EC clean up the electoral roll in these addresses.
The Merap project
Any electoral roll in any country will have its share of problems. Voters move and do not update their voting constituency. Voters who have died may not be taken off the electoral roll. Resourceful politicians often shift supporters into their own voting constituency.
These problems may be unintentional administrative errors or they may arise as a result of purposeful fraud. Both types of problems need to be addressed.
But systematically identifying and addressing these problems require a lot of resources not just in terms of time and personnel, but also in terms of computing power and knowledge.
The problems which will be highlighted in these two articles were uncovered as a result of an ongoing academic study called the 'Malaysian Electoral Roll Analysis Project (Merap)', whose purpose is to identify problems with the electoral roll and to make recommendations on how to deal with them.
These results took three part-time researchers approximately three months to compile. These findings are not exhaustive and are possibly only the tip of the iceberg of the underlying problems with the electoral roll.
A total of 10 problems with the electoral roll will be examined – five in this first part and another five in the second part.
The 10 problems are:
1) Voters who are above 85 years old.
2) Inconsistencies in the gender indicated by the IC number and EC data.
3) Voters with the same name, and some with the same/similar date of birth.
4) Voters who have IC addresses with the state of birth as '7x', indicating that they are born overseas.
5) Voters in Selangor and Kuala Lumpur in the third quarter and fourth quarter of 2011 who do not have house addresses, even though other newly-registered voters in the same locality have house addresses.
6) Postal voters who are registered using their regular ICs.
7) Spouses of police who are registered as postal voters.
8) Spouses of army/police voters who are of the same gender.
9) Army and police voters who are above the retirement age.
10) New army and police postal voters who are above the recruitment age.
1. Voters who are above 85 years old
An analysis of the third quarter (3Q) of the 2011 electoral roll revealed 65,543 voters who were aged 85 and older. In addition, more than 1,000 voters were listed at 100 years old and above. 19 voters were born before 1900!
This is not to say that all of these voters are fraudulent voters that have been included in the electoral roll by irresponsible parties. Rather, the number of elderly voters is a good place to start in terms of identifying voters who may have died but for whatever reason, have not been deleted from the electoral roll.
This is an area of concern since the ICs of dead voters can be used by others to cast a vote on their behalf.
The oldest voter identified was Wong Kwan Moy (IC: 530823040010) who was listed as being born in 1853, which makes this person 149 years old in 2012.
This voter is registered in Setiawangsa in Kuala Lumpur. It is possible this could be typo and that the voter was born in 1953 rather than 1853 but this needs to be verified.
But this cannot be said of Tey Kim (IC: 900206740068) who was listed as being born in 1890. This cannot be a typo since voters who are born in the 1990s do not have old IC numbers, which this voter clearly does (K844769).
If Tey Kim was born in 1890 and she is still alive, she would be 122 this year.
The EC would probably respond by saying that they rely on the National Registration Department (NRD) to provide them with names of recently deceased people who then can be deleted from the electoral roll.
But there is nothing to prevent the EC from conducting their own periodic investigations on voters, especially those who are above 100 years old, to ensure that these voters are still alive and residing in their voting constituency.
2. Inconsistencies in the gender indicated by the IC number and EC data
An IC ending with an odd number means that the person is a male, while an IC ending with an even number means that the person is female.
An analysis of the 3Q 2011 electoral roll found 15,855 voters whose IC numbers indicate a different gender from that listed by EC.
Among these 15,855 voters, there were 72 "bin"(son of) who are listed as female and 76 "binti" (daughter of) who are listed as male.
For example, Mashitah binti Hashim (IC: 550901095040) was listed as a male while Ali bin Ariff (IC: 880726265197) was listed as a female.
These 'gender inconsistencies' point to the possibility that a person of a different gender could have used these ICs to register themselves as voters.
While these instances could be legitimate errors on the part of NRD, it makes sense to conduct more analysis, including field visits and discussions with NRD to ensure that these are merely clerical errors.
In addition, the presence of these sorts of inconsistencies also raises the question on whether polling agents can object to the identity of these voters on the basis that their listed gender differs from that indicated by the IC number.
These sorts of inconsistencies also highlights the need for NRD to get more involved in the process of clarifying these inconsistencies and discrepancies and play a more pro-active role in helping the EC maintain a clean and updated electoral roll.
3. Voters with the same name and some with the same/similar date of birth
Many Malaysians share the same name and as such many same/similar names are bound to appear in the electoral roll.
But when Malaysians with the same name and the same or similar date of birth appears, often in the same constituency or in the same state, this should certainly raise concerns.
The presence of such voters raises the possibility that they have been issued more than one IC number in order for them to vote multiple times.
For example, an analysis of the 2008 general election electoral roll for Terengganu found 369 voters named "Fatimah binti Ismail" and 346 named "Fatimah binti Abdullah".
Among the 369 "Fatimah binti Ismails", 10 pairs were found to have same/similar date of births.
Among the 346 "Fatimah binti Abdullahs", 13 pairs were found to have same/similar date of births.
This seems like too much of a coincidence especially when one considers that Terengganu experienced a significant percentage increase in the number of voters from 1999 to 2004, after the state fell to PAS in the 1999 general elections.
This example illustrates how conventional methods of data mining conducted by Mimos for the PSC on Electoral Reform are insufficient to detect problems in the electoral roll.
More refined searches such as looking for same names with similar or same date of births (the first six digits of the IC number) are required.
4. Voters who have IC addresses with the state of birth as '7x', indicating that they are born overseas
Voters who are not born in Malaysia have '71′ as their 7th and 8th digits in their IC number. There has been much speculation that non-Malaysian have been given citizenship and hence, voting rights, in order to have them vote for the ruling government.
Malaysiakini recently reported on a certain 'Mismah' being originally listed as a permanent resident and registered as a voter and then later being listed as a citizen in the NRD website.
A preliminary analysis of the September 2011 electoral roll for voters in Selangor turned up 30 voters with 'Indonesian' sounding names (only one name). For example, Juwairiyah (IC: 560317715158), is a '71′ voter in the Gombak parliamentary constituency.
Table 1 below shows the full list of these 30 names.
Table 1 below shows the full list of these 30 names.
This is not to say that those who the digits 71 in their ICs and who appear on the electoral roll are necessarily suspicious voters. But the precedent of illegal immigrants in Sabah, many of them from Indonesia and Philippines, being given fake ICs to register as voters should make one especially wary of such cases.
There were over 167,000 ICs with the state of origin digits listed as '7x' (71, 74 and 75) in the 3Q 2011 electoral roll.
Our findings are thus only a small sub-sample of this larger dataset. While many of these names are of Malaysian citizens born in China and India, much more in-depth analysis needs to be done in order to ascertain the percentage of voters among this dataset, which are legitimate citizens and those who have been given IC numbers through less than legitimate means.
5. Voters in Selangor and Kuala Lumpur in 3Q and 4Q of 2011 who do not have house addresses, even though other newly-registered voters in the same locality have house addresses
One would not expect that voters who are newly registered in Kuala Lumpur or Selangor would still be registered in addresses without house numbers.
Given the 100 percent urbanisation rate in Kuala Lumpur and an almost 100 percent urbanisation rate in Selangor, it is surprising that some voters would still have IC addresses without house numbers.
What is even more surprising is that there are still voters who are registered in addresses without house numbers in the same locality, where other newly-registered voters are registered in addresses with house numbers.
For example, according to Table 2 below, Syahrul Ali Mansur (IC: 691023715099) is a newly-registered voter in 3Q 2011 in Kampung Puah, which is in the Wangsa Maju parliamentary constituency.
Table 2 also lists nine other newly-registered voters in 3Q 2011 in the same locality which do have house numbers.
Voters who fall into this category are still being compiled from 3Q 2011 and 4Q 2011 in Kuala Lumpur and Selangor.
In Part 2 of this article, five problems which have to do with postal voters will be examined in greater detail.
Part 2: 'Dubious' voters may determine GE13 outcome
ONG KIAN MING holds a PhD in political science from Duke University. He is currently a lecturer at UCSI University.
This article was published by Malaysiakini and the Selangor Times.


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Stylish single level home with a modern flare & open concept floor plan. Updated kitchen with concrete countertops, subway tile backsplash, GE Slate Series appliances & generous center island. Barnwood-style laminate flooring & farmhouse accents throughout. Expansive 4bd/2ba layout with ample room for entertaining. Located in a wonderful neighborhood within close proximity to schools, shopping, parks & transportation.
Listing courtesy of Lisa Capurro from Sotheby's International Realty
Copyright 2017, Bay Area Real Estate Information Services, Inc. All Rights Included.

subset: commoncrawl


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Oxnard College advertising classes online
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
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Info concerning Oxnard College advertising classes online, and registering for elective seminars. Which college degrees give you the best chances of finding employment after graduation? Browse accredited business management programs online. You can train in as little as two years to begin your career as a financial professional. Concentrating on Oxnard College advertising classes online, for example, you may gain an advantage in corporate recruiting being done on-campus. Check with the marketing management department for course registration deadlines, and advertising management program requirements. Please use the form above to request admissions info for Oxnard College.
Public relations specialists create and maintain a favorable public image for the organization they represent, whether in private industry or for government agencies. PR specialists may design media releases in an attempt to shape public perception of their organization and to increase awareness of its work and long-term goals. Publicity may require consultation with advertising agencies to arrange promotional campaigns in all types of print and digital media. In the field of public relations, job applicants typically need a bachelor's degree, and employers prefer candidates who have studied public relations, journalism, business communications, and English.
Entry-level workers typically begin work by maintaining files of material about an organization's activities, skimming relevant media articles, and assembling information for live speeches and printed brochures. After gaining several years of experience, public relations specialists may begin to write news releases, articles for publication, or carry out public relations programs. Although traditional PR and third-party ink will always remain highly important for any given business, adopting newer forms of PR approaches such as search engine marketing and social media reaching beyond Facebook ads. Beyond major requirements within the marketing management department, you may consider Lake Superior College continuing education classes as a complementary elective to your primary course of study.
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Parish Plan Questionnaire
The current Parish Plan was last revised in 2011. It is time to update that Plan and make it relevant to today and to the future.
A working party of volunteers, Georgina Babey, Wayne Eagles, Annabel Harding, Sloan Hickman, Gaby Lucas and Susan Witt, with the authority of the Parish Council put together a questionnaire about village life, your part in and your ideas and hopes for the future.
Thank you to all those residents that took the time to fill in the Parish Questionnaire. We are delighted to have received 91 completed surveys.
While we analyse the data on the forms we would like to make a last call to residents, particularly from the areas that we received very few forms from - this includes Dodgson Close, Hale Road, Mays Firs, Carters Close and the Godshill end of Hale Purlieu.
The form is still available to print and complete here Parish Plan Questionnaire [161kb] or you can phone Sloan on 512217 or Gaby on 513781 for a paper copy that we can deliver to you. If you prefer to complete it on line click here: https://goo.gl/forms/PYa8eQP7HKyKIf7n1
Please let us know your views on living in Hale so that we can plan how to spend the money that comes from your Council Tax for the Village of Hale.
Thank you for help shaping the future of Hale. Once the replies are collated and reviewed we will update you further.


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5 months ago
Hot Tub vs Whirlpool | hubpages
Even if a hot tub does not feature air-forced jets, they are still able to offer rest and relaxation to those that use them. Talk to a friend with a hot tub and whirlpool and try them both out before making your decision. The water is not filtered read more...
6 months ago
5 Potentially Exploding Products that Blow Up but Shouldn't
The injuries included irritated eyes, skin and one eye injury.
Who would have thought a children's toy intended to bring peace and calm could have "explosion and projectile hazards?"
Alex Filip, CPSC spokesman, said he had an inciden read more...


text: It has transpired that the National Security Agency is delving into the younger market to find new recruits. Teens as young as 15 have been answering vacancies for paid internships for the NSA in Fort Meade, Minnesota. 500 young interns are on staff at the moment, with an NSA spokeperson claiming that up to 95% of them are willing to stay on after their internships are up. The positions open every fall and can be found on all sorts of normal job sites.


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Title: The Other Me
Author: NT aka Aku-chan
Warning(s): Shonen ai, angst, death.
Disclaimer: MEOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOW! (translation: NO OWN, FOOLS!)
Yes, I am just that skilled.
Oh, btw, this is kind of an old one-shot thingie that I never posted before. Sooooo... here (runs)
"Soubi..." There's something I've been meaning to tell you. Maybe a confession even, but I don't really consider it to be a confession of any kind. I know it doesn't really matter to you, because you see this as nothing more than a master speaking to a servant, right? That is how you lower yourself to me, yet at the same time, you're mocking me that, at night, my heart begins to burn from an ice cold flame. Does that make sense? It doesn't to me, but you've never made sense to me.
"What is it, Ritsuka?" All those 'I love you's really mean nothing to you, don't they? You throw them out there so carelessly even when you call yourself a master of words. But just because you're a master of words, doesn't mean you'll understand me. In fact, I believe that because you're so good with words, you'd never understand my silence. Because when you say 'I love you', it's all through the command of my oniichan, isn't it?
"Soubi..." I can see his name from here. You didn't cover your neck again and there in scarred letters across your flesh is that constant reminder. I don't own you. You are not mine. Your presence itself reminds me of that 'other'. The true Aoyagi Ritsuka, not this thief, this fake. I wonder where he is right now. I wonder if he's enjoying this sick torture he's putting me through, but maybe I decided this fate for myself when I stole his face. Maybe it's just karma telling this demon to return this body to the boy who it belongs to. Is that what this is all about?
"Is something the matter, Ritsuka?" Seimei, is it you? Are you the one protecting your precious Ritsuka? I won't be here much longer if you wish it. Just show me how to get out of here. Please, take me back. Give him back this body. Don't... don't make me stay here. Seimei, if this is your doing, kill me and Ritsuka will return like it should be. Because even when I have his face, his body, I have nothing. This room is his. This mother is losing herself for him. This fighter, it belongs to him. None of it is mine, I know that. These friends, these memories, these smiles, none of it is really mine, is it? I'm afraid I'll forget, but it's not true. I'm not afraid, I'm waiting to.
"Ritsuka?" Soubi, I think I have truly fallen in love with you, whether the one I fell in love with is really the true you. Or are you just full of lies and false faces? Are you looking for Aoyagi Ritsuka too? Don't you realize how much that name makes me die a little inside? Have you ever wondered about your own existence, as if you were just living someone else's life, you had simply taken over without their approval? Like you're invading something private and sacred, you can't help but feel dirtied with sin. But then you remind yourself, no, impossible. This is me, no one else is me. But she reminds me every morning until the last moments of sun. And they remind me every session of therapy. And the rest remind me when they call me Ritsuka. And he reminds me when he says he loves me. Because he is lying and I am lying.
"Ritsuka, are you okay?" Soubi, I love you, and that may be the only truth I have to offer. You don't have to be mine, and none of this has to be real. But it'll remain the same that I, whoever this fraud may be, have fallen so deeply in love with Soubi that I'm dying. I'm dying from this pain imbedding itself into a loveless heart. I'm dying to the point of exhaustion for this imposing soul. I'm dying. And I finally realized. I don't belong.
"Ritsuka, say something." Stop. Stop saying that name like it's me. And stop looking at me with so much concern, I hate it! Stop lying, Soubi. Stop tempting me to live. I'm already dying. Stop making me want, desire, everything about you, Soubi. Leave me be.
"Ritsuka, please say something." Seimei, you can take me now. I don't mind. Seimei, I didn't mean to take Ritsuka away from you. Did it cause your death? I'm sorry, Seimei. Please forgive me. Seimei, it's okay to kill me now, after all, I won't feel a thing. They won't miss me when I'm gone because nothing will seem different. Seimei, I'm okay with it.
"Ritsuka?" Seimei, say hello to Ritsuka for me. Tell him, I said I'm sorry and I hope for his happiness.
"Ritsuka!" One last thing, tell Soubi, Seimei... tell Soubi that I love him.
"Ritsuka!!" Tell Soubi for me, Seimei. Oh, and if he asks who it is from.
"RITSUKA!!!" Tell him Loveless.
Aku: Umm... yes, that's all. Loveless is the other "Ritsuka" within Aoyagi Ritsuka, catch my drift? And he's speaking to Soubi, but stops talking and only Soubi is talking afterwards. I'm explaining that because my friend got confused. So this entire little 800+ word drabble is in the point of view of Loveless, who is the other "Ritsuka". Got it? Good. Meow. Thanks for reading.


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Download Finnish Clipboard Translator apk 1.0 free for Android smartphone
Posted by Andreas Prondzil in Education | Feb. 8, 2015 | 0 Comments
Apk file size: 36.0 KB
Finslator is a small background service that runs on top of any other Android application. Whenever a word is copied to the clipboard, it will resolve the stem(s) of a word and translate them in a small popup. For example if you copy 'syistä' it will translate syy and show the english translation for it.
What makes this application special is that instead of switching apps to look up words it does the work for you. You can use this app with other apps like a regular browser or kindle ebooks. It is mostly targeted at users who already know some Finnish but lack enough words to read through Finnish texts. With this app you can look up words, even if they are not in their basic form. All you have to do is mark the word and copy it to the clipboard and the app will figure out the stem and offer possible translations.
Andreas Prondzil part of our Education and have average installs from 1 to 5. Last Update Feb. 8, 2015. Google play rating is 84.4444. Current verison is 1.0. Actual size 36.0 KB.


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First and foremost, we're a bunch of guys and girls who get a buzz from working in a team with other people from a wide variety of disciplines and backgrounds. We all have one thing in common. We all want to help solve the biggest supply chain challenges with amazing technology.
You don't have to have a nickname if you don't want. And we don't have a cute mascot either (feel free to bring your dog in though…). What we do have is a sense of humor, great ethics and a lot of fun.
You're not starring in a silent movie. You'll have a major influence on the products that we build. Guaranteed.
Work from home if you feel like a lie-in or leave early if you need a haircut. We're not fussed as long as you get your stuff done.
Just because we're a start up doesn't mean you should worry about making the rent.
Come on. We're in the center of one of the world's most awesome cities. What else could you possibly want? Excellent transport links, great food and drink locations? Tick. Tick. Tick.
Everyone needs R & R to be on top of the game. That's why we give you a generous amount to chill and enjoy life. Oh, and you also get an extra day on your birthday... so we can all celebrate!
Team breakfast, Team lunch, Team dinner. You name it we have it. And on Friday's we go big…


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For over 20 years Mamma's Hands and the HOUSE OF HOPE have been the means of reawakening within individuals the hope they need to regain their self-respect and their desire for a productive life. Along the way it has helped 1000s of volunteers, especially youth, to find happiness in selflessness.None of this would be possible without the generous contributions of thousands of individuals, community organizations, churches, and businesses. If you have never contributed to Mamma's Hands before, we invite you to begin today and join the Mamma's Hands team. Donations may be submitted online, through PayPal by using the form to the right. Checks can be made out to "Mamma's Hands" and mailed to: Mamma's Hands P.O. Box 40464 Bellevue, WA 98015-4464Click to see Immediate Needs at the House of HopeTo discover other ways you can contribute, visit our Get Involved page here>>.
Mamma's Hands is a 501(c)(3) nonprofit organization. Donations are tax-deductible to the extend allowed by law. Tax ID #: 91-1535909. For more information, please contact Mamma's Hands here>>.


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Success With Affiliate Advertising Applications
Success With Affiliate Advertising Applications
Maybe the easiest way to get your earnings up is to hitch an internet affiliate marketing program that offers you step-by-step directions on how to achieve success. That is extraordinarily widespread if you select to advertise info merchandise, particularly ebooks from Clickbank.
It is not unusual for internet affiliate marketing applications to anticipate you to know the whole lot about working a profitable advertising marketing campaign – even in case you do not. Be sure to select an internet affiliate marketing program that's geared in the direction of rookies, in case you are a newbie. And do not waste your time getting rehashed info on the fundamentals, in case you're an intermediate affiliate marketer.
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More Info: http://ebizconcepts.com/


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S.W. Basics
S.W. Basics is a truly all-natural, sustainable skincare brand that pride themselves on creating products that are impeccably sourced, naturally luxurious and incredibly effective. This no frills range utilises only the purest ingredients that are either certified organic, Fair Trade, or soured from family run farms. The S.W. Basics simplistic formula means higher potency and less chance for irritation, making the range perfect for even the most sensitive skin types. We particularly love the S.W. Basics Cleanser that simply and gently cleanses the face and contains just three ingredients!
0 products found
Your search term didn't return any results. Try a more general search, or browse through our bestsellers…


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This company has no active jobs
Ringing In My Ears After A Live Performance - Is This Regular?Visiting Corvette attractions in Bowling Green, KY, with your nearby Corvette Club? Interested in taking pleasure in the beauty of Kentucky whilst you are there? Verify the subsequent checklist of enjoyable and cultural attractions to use as an excuse to drive your shiny 'Vette to.
Basketball enthusiasts should go to a sport at the Philips Arena and witness the Atlanta Hawks (NBA), the Atlanta Thrashers and the Atlanta Aspiration (WNBA) teams in steps. It is also a well-liked place for Concerts and occasions.
In 2009, Lang Lang made Time Journal's annual list of the one hundred Jeff Dunham 2016 Tour Most Influential Individuals in the Globe. In 2008 he carried out in Beijing at the opening ceremony for the Games of the XXIX Olympiad for over 5 billion individuals. Lang Lang started taking part in piano at the age of three and by the age of five he experienced won the Shenyang Competition and offered his initial public recital.
Imagine the appear of shock you'll see when a Phoenix limousine pulls up to your honey's front door. And then envision how intimate it's going to be, just the two of you within, gazing into every other's eyes. Think how you'll be able to fully concentrate you attention on that special someone sitting down beside you simply because the limo driver is up in entrance, working with the traffic lights and the traffic and all those other interruptions on which you would usually focus your attention.
Her youth and childhood. What was her favorite toy? Did she play with dolls, or was she the woman who played with the boys? Was she a good or a poor child? Did she have great grades? When did she have her first consume, and was there anything outrageous that she did at college?
When the circulatory system is not operating as it should, ringing in the ears frequently follows. Working out on a regular foundation can help. This little change in lifestyle will trigger the circulation to return to all parts of the physique and the regular ring is likely to quit.
They boast of great individual achievement, but the effort failed it was time to dive into the depths of despair at the time. Serves the Yankees or the excitement or to annoy him, but that generally is sending him early to bed, glued to the fifties and sixties, the Tv each night, sit down and gripped with disappointment. Needless to say, I'm forty years more mature, a subsidiary of manic-depressive people I've had fairly a lonely lifestyle, nor want to affiliate me and my generation.
OK I know I know, no Paris? Berlin? Budapest? Rome? Vienna? Well there's the problem with a top 10 European metropolis vacation evaluation. All of the others - and many more besides are fantastic and should go on your checklist. It's simply that the top 10 outlined are this humble travellers top 10.


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Sep 18, 2017 @ 6:15 PM
1. Conscious Jewelry NecklaceInstantly punch up an outfit with eye-popping amethyst stones on a radiant gold chain.
Exclusive HauteLook Price:
Amethyst necklace, $225; flash sale no longer in progress.
-Leora Schwed
2. Halston Heritage DressThis deep violet dress with metallic stripes and intricate pleating flatters your curves. Add a great pair of strappy sandals, some bold bangles and you're ready for a chic night out.
Pleated cocktail dress, $435; at singer22.com.
3. MAC Powder BlushSwirl this raisin-y blush on your cheeks for a rich flush-the hint of sparkle will keep it from looking muddy.
Give me Liberty Powder Blush in Dirty Plum, $18.50; at maccosmetics.com.
4. Thro Home by Marlo Lorenz PillowAdd a touch of glamour to your boudoir with this satin rosette pillow in deep sultry plum.
Exclusive HauteLook Price:
Fiona pillow, $18; flash sale no longer in progress.
5. Michael Michael Kors SunglassesFor an effortless spring look, add these clear Lucite frames with purple lenses to jeans and a light-colored leather jacket.
Medina aviators, $85; at MichaelKors.com.
6. D.L. & Co CandleA mix of sweet jasmine and spicy pepper creates this sexy scent that will add a luxurious accent to any room.
Exclusive HauteLook Price: Black Dahlia candle, $45; flash sale no longer in progress.
7. Davines MOMO Anti-Frizz FluidTames even the peskiest frizz with soothing botanicals-we give extra points for its nostalgic grape bubblegum shade.
Moisturizing Anti-Frizz Protective Fluid, $17.99; at folica.com.
8. Crate and Barrel DinnerwareA subtly patterned set of dishes from Crate and Barrel lends an arty vibe to your table.
Provence dinnerware, $100/4; at crateandbarrel.com.
9. Bottega Veneta BagA deep purple hobo in soft leather casts an air of refinement and elegance to even the most casual spring outfits.
Large Intrecciato bag, $2,380; at bottegaveneta.com.
10. Bath & Body Works PerfumeBring out your inner hippie with this heady fragrance made of jasmine, wild goji berries and sandalwood.
Moonlight Magic Eau de Toilette, $29.50; at bathandbodyworks.com.
1 of 10
Conscious Jewelry Necklace
Instantly punch up an outfit with eye-popping amethyst stones on a radiant gold chain.
Exclusive HauteLook Price:
Amethyst necklace, $225; flash sale no longer in progress.
-Leora Schwed
Exclusive HauteLook Price:
Amethyst necklace, $225; flash sale no longer in progress.
-Leora Schwed
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Educational Programs
How to Understand Grief Seminars or HUGS
Audience: Adults, adolescents, and teenagers
Almost every person has experienced grief sometime in his or her life. In addition to the death of a loved one, other losses can be equally traumatic. Divorce, separations from family and friends, lifelong or a terminal illness, disability, retirement, or abuse are other examples of grief events that can be just as distressing and painful. Because emotional wellness is a key factor to healthy living, our original program, How to Understand Grief Seminars or HUGS, offers a basic, common sense approach to grief and mourning and provides the participants a better understanding of their feelings and pain. The coping skills they learn become practical tools they will use to reinvest in life and living once again.
Objectives include:
- Explore the many types of loss
- Define grief and its relationship to loss and stress
- Explain the many facets of loss and grief — mental, emotional, physical & spiritual
- Identify specific reasons for personal reactions to loss and grief
- Compare and contrast men's and women's responses to grief
- Discuss the unique grief of bereaved parents
- Explain children's responses to loss and grief
- Provide information for reinvesting in life after loss and trauma
A valuable resource for understanding and healing grief, this three to four-hour program offers information and help for adults, adolescents and teens, and their families who are coping with grief and traumatic events in their life, or community leaders, mental health staff, and clergy who want to educate on the topic. This program is the foundation upon which all curriculums are based.
Caring for the Caregiver
Audience: Family members, loving friends, medical and mental health professionals, Hospice caregivers, support staff, and volunteers
An educational program that spotlights the unique talents necessary to cope with the often emotional and stressful events involved in caring for the needs of others. This seminar will also help caregivers realize many of their own personal needs.
Topics include:
- Long-term care – a special love
- Coping with stress, stress, and more stress
- Burnout – turning to others for help
- Debriefing – it's all in a days work
- Suicide intervention and prevention
- Addiction – "finding out your hooked"
- Unique emotional traumas associated with these special care departments:
- ER, OB/GYN, Geriatric, Oncology, Pediatrics, Mental Health, Medical/Surgical
Children Healing After Trauma (CHAT)
Audience: Adolescents and teenagers as well as parents, educators, counselors, school resource officers or anyone interested in helping a child cope with grief
Crash programs to resolve problems in classrooms are often after the fact and sometimes too late. Because nurturing the needs of others can be a tough job, this core curriculum offers information to help children cope with a variety of traumatic events as well as guidelines to start a CHAT support program in your community.
CHAT is an excellent resource for school assembly or small classroom programs. Students will receive information to help them cope with many issues including:
- substance abuse and suicide prevention
- building self-esteem
- conflict resolution
- preparing for adulthood (high school level)
- dealing with the pain of grief
Following a school crisis, CHAT can provide immediate on-site resources to assist school personnel in helping children deal with traumatic events, such as, the death of a classmate or teacher.
Silent Grief in the Workplace
Audience: Management, associates, and support staff
It would be great if individuals could easily cope with all of the problems that exist in their lives. However, human beings are not machines; they cannot flip a switch and turn off their feelings. Learning to respond with understanding and compassion will benefit everyone involved in business relationships. Topics will include coping with the death of an associate as well as meeting the initial needs of associates as they return to work following the death of a family member.
In addition to key elements from the How to Understand Grief Seminar, the Silent Grief in the Workplace program will address:
- the immediate needs of the family
- co-worker grief
- creating a compassionate and stable environment in the workplace
- support programs and resources for healing grief
Surviving the Holidays
Audience: Adults, adolescents, and teenagers
Surviving the Holidays offers resources and support for coping with stress and anxiety associated with the holiday season.
"The holiday season for many adults and children is not always a happy and joyful time as the television and radio commercials would want us to believe. Christmas and Hanukkah may cause stress and anxiety. In addition to our busy lives, we must add to this all the preparation needed to make the holidays a "success." Even with all the bright lights and music, it can be a very painful time for those who have experienced a traumatic event over the past year." – Peggy Sweeney
Alone – And Life Goes On
An educational journey designed for anyone coping with the death of a spouse or life partner.
In 1996, Peggy turned her attention to the needs of first responders: firefighters, EMS, police and correction officers, and 911 dispatchers. A very unique community of men and women who sacrifice so much for their community and are often overlooked when it comes to their mental and emotional wellness.
For more information or to inquiry about hosting a program, please contact Peggy Sweeney at email@example.com


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Homemade and heartfelt gifts
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This air-conditioned two bedroomed apartment is ideally placed for travellers who want to explore Venice.
Just at 10 minute walk from the Rialto Bridge, this distinctive property is easily accessible by boat at Ca' d'Oro.
Newly restored, this quiet flat is on the first floor of a three floor house in a sunny Campo that was once the home of two famed 18th Century violin makers.
Great location with views to the Campo and to a typical rio (lagoon canal).
Confortable and quiet restored flat in the middle town of Venice very near to boat stop Ca' d'Oro and quite close to the railways station too (20 minutes walking, 5 minutes by boat); it is possible to reach the airport Marco Polo by boat (Alilaguna lines to Fondamente Nuove).
The flat, first floor of a 3 flats house, has one large double bedroom (double bed, no single or twin beds; it is possible to have a single bed in the other room) with big wardrobe, one private bathroom (washig machine), one livingroom, one room with a couch, a kitchen with all electric appliances (dishwasher, oven, microwave oven, induction, fridge total no frost), dishes and crockery, tv, hair conditioning, linen and sheets and towels, hair drier included.
Iit is not suitable for kids of age from 0 to 14 years.
It is quite near to supermarkets, chemist's shop, banks, nightlife. Romantic and very confortable.
Smoking and pets are not permitted.
Important: Check-in must be done before 9.00pm. After this, you must make special arrangements with the owner prior to booking.
Check-out must be done by 10.00am.
Доступно гостям
All the flat is accessible, not one room use as cubby-hole by the host.
Общение с гостями
After check in the host will not be in the flat (but you could contact him by mobile or e mail) so that the guests will stay in a independent flat.
Другие важные подробности
Brand new flat, a mix between old fashion style and new fornitures, so you can feel at home as a citizen of Venice but living with full optional so to have lot comfort.
5 отзыва
Emiliano, laureato in Lettere con indirizzo storico ed artistico all'Università Ca' Foscari, scrittore, editor, autore di sillogi letterarie, è anche cultore di storia locale; nato a Venezia nel sestiere di Cannaregio come la madre ed il nonno materno, discende da antiche famiglie originarie del Veneto ed è pronipote della famosa studiosa Egle Trincanato nota grazie al suo long seller "Venezia minore" del 1948; Emiliano è l'autore tra l'altro di un saggio storico sulle più importanti Istituzioni della Repubblica Serenissima di Venezia intitolato "Prontuario delle Istituzioni e delle Magistrature di Venezia".


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Investor returns shed light on the implications of chasing performance or selling at the wrong time.
It probably won't be too costly for you this year to correct an investing mistake you made last year. But if you made a mistake 10 years ago that you didn't quickly fix, you'll be paying for it for a very long time.
That's one clear lesson gleaned from Morningstar Investor Returns data. We've updated our figures through 2015, and they vividly illustrate how decisions made a decade ago have an impact that compounds powerfully over time.
What Are Investor Returns?
Investor returns are dollar-weighted returns, as opposed to time-weighted returns, which are the standard way of displaying an investment's total returns. We calculate investor returns for a single fund by adjusting returns to reflect monthly flows and their compounding effect over time. Generally, investor returns fall short of a fund's stated time-weighted returns because, in the aggregate, people tend to buy after a fund has gained value and sell after it has lost value. Thus, they miss out on a key part of the return stream.
That fact plays out for all types of investors— not just fund investors. Studies show stock investors and pension fund managers do the same thing. Who really was there to buy Apple
How Are They Useful?
Generally, I find it more useful to look at the forest than the trees when it comes to investor returns. Taken as a whole, they tell us something interesting about aggregate investor behavior. But individually, it can get pretty noisy. While investor returns often tell an interesting story of how a fund is used, you have to be careful about reading too much into an individual fund's investor returns. Take two similar funds launched at different times and you may find very different investor returns. So, when you see a fund's investor returns, it's a good idea to find out why the fund was used poorly or well. I find it helpful to look at that return gap and then look at calendar-year performance for the fund. Usually, the answer can be found in the first two or three years of the time period. Maybe a fund had a great year that led investors to rush in too late, or, conversely, a fund closed to new investors was able to hold on to longtime shareholders through a difficult year, thus enabling them to reap the benefits beyond that year.
Backing out to the forest view, we can test various factors to see which ones have a link to better investor returns and which ones don't. These may be the most obvious lessons for what we should look for in a fund and what behavior can be self-destructive.
What the Data Say
For the 10 years ending in December, the investor returns gap shrank from the average over recent years ( EXHIBIT 1 ). For U.S. equity funds, the gap was 74 basis points, but international funds had a much wider gap of 124 basis points. Municipal-bond funds continue to be the most confounding group, with a big 132-basis-point gap, while taxable-bond funds had a more moderate 82-basis-point gap. As usual, allocation investors fared the best, with a gap of just 17 basis points.
More telling than the latest batch of data is the average annualized gap for 10-year periods ended 2012 to 2015: negative 1.13%. That smooths out some of the issues with end-date bias to illustrate just how much we cost ourselves through bad timing moves.
Flows were strong across the board at the beginning of the 10-year period. Flows were particularly strong into foreign and domestic equity because equities had rallied off the lows of the bear market that ended in 2002. Some of that money later left in 2008 and 2009 as skittish investors sold near the bottom, but that initial wave of good flows and a return to equities after 2009 seemed to have ensured pretty good results.
Allocation funds enjoyed steady inflows throughout, so, while some dumped their equity funds at the wrong time, many maintained and added to equity exposure through allocation funds. In addition, target-date funds are part of the allocation group, and they consistently show investor returns that are superior to time-weighted returns. For one, target-date funds have sufficiently moderate returns to avoid scaring shareholders away while not attracting hot money. In addition, target-date funds are mostly held in 401(k) accounts where investors buy with every paycheck. Although they could still panic and sell at the wrong time, most investors ride out the downturns. You don't have to be in a target-date fund, though, to invest like those who do. Systematic investing and rebalancing is a great way to stick to your plan through thick and thin.
Before I started running these figures, I would not have guessed that boring old municipal-bond funds could be so misused, but it has been going on for a while. The problem here is that you have some very risk-averse investors and a sector with scary headlines. You won't see many headlines about how nearly all muni issuers are making their payments on time or how once-troubled states like California have improved their balance sheets dramatically. Rather, you hear about Puerto Rico's crushing debt and Meredith Whitney's ill-informed doomsday call. Those news events spurred muni investors to sell, and that led to a drop in muni-bond prices and a spike in yields. Thus, they created a buying opportunity just as investors were fleeing. This speaks to the downside of trying to time the market and the benefit of staying focused on the long term. Oddly, sector funds did quite well as investors had good timing in some real estate, utilities, and communications funds.
What Factors Are Linked to Investor Returns?
Expenses are strongly linked to investor returns. Cheapest-quintile funds have significantly higher investor returns and smaller gaps, while both figures progressively get worse as you move up in fee quintiles. In fact, the differences are much greater than the fee differences themselves.
There are two reasons. First, low costs lead to better returns and, therefore, investors are in a positive feedback loop that makes them more likely to stay with their fund. Second, investors in low-cost funds tend to be better-informed investors who will use their funds correctly more often. The other factor is volatility, whether measured by Morningstar Risk or standard deviation. The story is quite simple: More volatility means more-extreme performance that triggers fear and greed. Boring funds are often a better bet for the typical investor.
Lessons From Fund Investor Returns
Let's take two relatively conservative funds ( EXHIBIT 2 ). Royce Special Equity
The explanation can be found in 2008. That year, Franklin Mutual Beacon lost 40%, while Royce Special Equity lost only 20%. So, not only did Franklin Mutual Beacon lose more than the market but it also likely disappointed shareholders who expected it to have some defensive qualities. (Other Mutual Series funds held up better.) As a result, money poured out of Franklin Mutual Beacon in 2008–10 while Royce Special Equity got inflows, meaning shareholders were there for the big rally that started in March 2009. In addition, Royce Special Equity has closed to new investors from time to time, and this helps to keep investors from buying at the worst time while also keeping hot money out.
Franklin Mutual Beacon is a decent fund that just happened to be leaning the wrong way on financials and distressed investing in 2008. While the example does illustrate some of Royce Special Equity's appeal, I doubt shareholders will actually beat stated returns the next decade. In fact, recent outflows mean the fund would have to go down from here in order for that to happen.
We can also draw some lessons from Fidelity Tax-Free Bond
This illustrates the importance of sticking to your investment plan on a fund level and on an asset-allocation level. If we stick to our guns and avoid getting too excited by rallies or worried by bad news, we'll make the most of our funds. Understanding your investments and their role in your plan can help you make the right decisions. Quarterly checkups on your portfolio will also help, as you won't feel overwhelmed when markets go south. Informed and patient investors are the ones who will most easily reach their goals.
©2017 Morningstar Advisor. All right reserved.


text: In mathematics the differential dx/dt can be written as x dot (ie x with a dot over the top). DBT seems to be making a real hash of this and is making a 2 cell item into something which is 16 cells long It should be x' but it coming out as +,+"?,+]x+,+"?,+ I am attaching a SN file with an example of an x dot in it. I am translating into British code. David Spybey


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Hyderabad, Feb 9: N Chandrababu Naidu, the Opposition leader in Andhra Pradesh accused the Chief Minister Y S R Reddy and government of sheilding Raju brothers and blocking CBI probe into Satyam Computers scam. He said the state government ordered a Crime Investigation Department (CID) probe into Satyam fiasco only to save ex-CEO Ramalinga Raju.
Naidu initiating a debate on Satyam scandal in the Assembly demanded that Centre order an inquiry into transactions of companies allegedly promoted by the Congress leader's son.
"When all major laws, including SEBI, FERA, FEMA, RBI and IT were violated and when the company's operations were spread over 66 countries, how can the CID investigation unearth the truth? It was a fit case for Central Bureau of Investigation (CBI) inquiry as the national agency could have co-ordinated with the Interpol to probe deeper into the scandal," Naidu said.
"The Congress high command has also blocked the CBI probe into the Satyam scandal only to suppress facts and protect the guilty," the former chief minister and Telugu Desam Party President alleged.
Naidu also demanded a judicial probe by a sitting judge into the affairs of Satyam Computers, Maytas Infra, Maytas Properties and the 14 'benami' companies allegedly promoted by the CM's son Jaganmohan Reddy and also Heritage Foods. Chandrababu said that the Congress party in Andhra Pradesh has 'lured' Ramalinga Raju by offering him acres of land on a platter, which resulted in the Satyam founder's downfall.
He also accused the government of giving thousands of acres of land to Maytas Infrastructure and Maytas Properties promoted by Raju's sons. Irked Naidu even warned the CM to confess his wrong deed or else will face the same fate of Raju.
"You (Chief Minister Y S Rajasekhara Reddy) and Ramalinga Raju are similar in nature. Both of you want thousands of acres of land in your kitty. What will you do with such land?" Naidu asked. "You better confess to your wrongdoings like Ramalinga Raju did. You too will get some respite from law," he said.
OneIndia News (With inputs from Agencies)


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Director of Facilities
Exsurgo is recruiting a Director of Facilities for a Global Fashion company based in London.
The role
- To manage all Facilities activities for UK and Ireland sites. This includes R&M, purchasing of infrastructure supplies and services (office supplies, furniture etc), H&S, security, infrastructure services like reception, mail, cleaning, etc.
- To manage Facilities UK staff.
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- Experience in building management (contractors, landlords, facility teams).
- Experience in people management.
- Experience and ability to negotiate contracts.
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This is a fantastic company to work for and a renowned Global Fashion brand.
If you think that yu have the right skill set for this role please do apply! Successful candidates will be contacted about this role and similar roles.
Connect with us. Follow us on Twitter @exsurgo_group or LinkedIn to hear about our other roles and more!


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Lauryn or Lovely, is a shy girl who's been through a lot of shit in her life. She lost her dad and her mom doesn't love her. She thinks nobody does.... But along comes Rome, a rough Kingpin. He runs the streets of LA, and runs through every hoe in LA. What happens when Rome & Love fall for each other ?
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He stayed in and didn't get discouraged and dropped out. So I'm proud of him for staying in.
- Feb 22
Fast read thus far, and how you write totally puts you in the persons shoes
LoveBlackQueen Jul 12, 2016
Bruh I'm short but when I get scared I be faster than the tall peeps
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Miya242013 Nov 09, 2015
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Sleezy_Jayy Jan 28, 2015
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Even after reading a scathing, accusation-filled report about his department, West Valley City Police Chief Lee Russo said he stands by the decision to fire one of his detectives.
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He likened the appeal filed by attorney Lindsay Jarvis on behalf of Cowley to the Wizard of Oz. In the movie, the Wizard hides behind a curtain and uses special effects to distract spectators from that fact.