Actuarial Outpost: janvier 2016

making sense of the study note

Is there any rational for the numbering, order, and cover-page color of the study notes from the SOA? Other than being in increasing order, I can't find much of a pattern.

making sense of the study note

FA DNMMR Common Mistakes

Hello all,

I just received my DNMMR on my first attempt at the FA and wanted to get a sense of what common mistakes I might be making. I've listed below my initial thoughts on why I DNMMR, and would love any feedback, especially from those that did MMR.

Overall
1. Being too wordy - mine came in around 10k words without tables, so I'm guessing I need to shorten it up and be more concise
2. Be more black and white in my recommendation. I probably put too many caveats and limitations on how applicable my price range was.
3. Went beyond the scope of questions in trying to consider all the risks of each task

Task 1 Specifics
1. Focused too much on frequency of errors as opposed to severity
2. Probably was unreasonable in considering how much it would actually take to fix any data errors

Task 2 Specifics
1. Maybe my range was too aggressive? I had a walkaway point using a risk metric that was at -10%?
2. I thought I did a solid job justifying my performance and risk metric (e.g. why PVP/IR instead of just PVP, why PVP/IR >10% instead of PVP/IR >0%, why CTE instead of VaR or StdDev, why CTE(90) instead of CTE(75) or CTE(95), why CTE(90) > -10% instead of CTE(90) > 0%), but maybe I was too detailed?
3. Maybe too detailed in my risk/reward analysis of pricing. I could have just said higher price = higher profit expectation, but also less likelihood of winning the work
4. Maybe should have just said a high and low price point instead of outlining 5 specific points along that range?

Task 3 Specifics
1. I only tested each assumption at my walkaway point, maybe should have tested it at the high and low ends?
2. I only tested each assumption with an X% and 2X% shock in either direction - maybe it makes more sense to have different shocks for different assumptions?
3. Maybe mention more about interdependence of assumptions? Maybe discuss anti-selection?
4. Have better factors excluded that I think are material? I came up with 3 but maybe that's not enough?

Task 4 Specifics
1. I didn't attempt to quantify the severity or likelihood of my key risks, but mentioned ways that we could do that. Maybe I should try to estimate those?
2. I listed more operational than strategic or financial risks in my RCD - maybe I need a more balanced count?
3. Maybe my key risks were too broad? For example, "Decreased credit usage leading to fewer miles purchased" could instead have been "Increase in penalty rates on CDL cardholders leading to fewer miles earned and a decrease in volume of Air Miles purchased"?

Task 5 Specifics
1. Maybe focusing too much on risk/reward of each policy change and not the risk/reward of implementing it in the model?
2. Should I have focused more on changes to the model and less on why each policy itself should have been changed or not?

Task 6 Specifics
1. Probably too wordy
2. Probably not clear enough of a recommendation (too many caveats on data quality, understanding of current risk appetites, etc.).
3. I'm guessing I should focus more on presenting a strong argument for why my range should be justified and leave out most of the limitations or discussions of limitations on my price range? I don't know what the appropriate balance is between providing a black and white answer and providing the most appropriate and accurate response that adequately discusses the risk associated with this price range?
4. Maybe consolidate my tables more into the report instead of just having them in an appendix at the end?

Task 7 Specifics
1. I made specific recommendations for assumption changes (e.g. Decrease the miles purchased assumption to 12 million miles). Should I have been less specific, and just said "Decrease the miles purchased assumption"?
2. I made mention of updating the model to match final deal structure, maybe this was beyond the scope of the question?

Like I said, any advice or discussion would be helpful (since we don't get any feedback until after the 2nd failed attempt). I'm fairly frustrated with myself, and the SOA for providing no feedback or model solution or anything. Thanks in advance, congratulations to all those who have MMR, and for those who DNMMR - I'll be retaking this on 2/19-2/23 if you want to join!

FA DNMMR Common Mistakes

MCCSR

I am just beginning Togo through the material using MATE. I am adding items to the lists based on the larger summary material and noticed all of the MCCSR mortality formulas are not on there, likely due to it all being factors. was wondering if we need to memorize every factor in this section (mostly GHS 108-14) and if so, is there any kind of "cheat sheet" provided at the seminar or is it worth me creating my own for this topic. Thanks!

MCCSR

Events

I'm going through chapter 2 and I'm having a very difficult time. I will go through the problem, only to find out that my events aren't even the same events shown in the solution manual.

Is there any insight as to go about defining what is an event and what isn't?

Events

Is Global Warming really the worst global threat?

First of all, a predictive decrease in the supply of land of flood-proof land in the future just means that buying and holding high land near coastal areas is a very good longterm investment

Where as, nuclear all out war means no safe haven, as does global pandemic, as does Zika

So is global warming really #1?

Is Global Warming really the worst global threat?

Baldrick Got Published by the US National Archives! Why Not Me?!

Quote:

Originally Posted by The German Guns by Pte S O Baldrick

Boom, boom, boom, boom

Boom, boom, boom

Boom, boom, boom, boom

Boom, boom, boom.

You have to hand it to them. This is one of his best works.

Baldrick Got Published by the US National Archives! Why Not Me?!

percentile matching

Why is it in some questions that ask for percentile matching at a certain percentage based on a set of data points.

For example percentile matching at 90%
from the following numbers 2, 3, 3, 6, 7, 7, 8, 8, 11, 12 (n numbers)

The solutions use a couple different methods, they either:
1. (.9)n
2. (.9)(n+1)
3. [(.9)n]rounded to the next whole number

what is the rule with when to use each one?

thanks!

percentile matching

I think Google and Yahoo strongly censor what we can search for.

I typed "Do Muslims like Hillary" in quotation marks into Google and Yahoo search. Both said there are zero results and to try it without quotation marks. Do they expect me to believe that no one on the vast internet ever asked that question anywhere? Looks like censorship to me. Without quotes, I get nothing but "Hillary says X about Muslims", but nothing about what they say about her. It is disturbing how every single result title looks the same.

I think Google and Yahoo strongly censor what we can search for.

Personality Test

When given a personality test during interview stage, should I answer in a way that is most accurate to me, or in a way that I think the employer would want me to be? For example, should I strongly agree with any statement that makes me seem like I love working and anything that makes me look like a leader?

Personality Test

Whole Life Reserves

C6 of the Valuation of Life Insurance Liabilities:

Post 1976 method - focus of the summary seems to be deficiency reserves. These occur whenever GP < NP.

Is this NP calculated using the methodology described under CRVM in section 5 or the NLP method?

Are the base product reserves calculated consistent with the methodology used to calculate NP?

Whole Life Reserves

NLP vs CRVM

C5 of the Valuation of Life Insurance Liabilities - I am reading in the ACE manual a note that says the most common methods of Valuation Methodologies are NLP and CRVM.

If the prescribed method for statutory valuation is NLP - then doesn't that make NLP CRVM? I thought CRVM was just whatever the commissioner requires for stat reserves?

NLP vs CRVM

Actuaries go 1-2-3 today at the club.

Actuaries go 1-2-3 today at the club.

How do large companies make money off Super Bowl Commercials?

I mean how is it possible they make more than hundreds of millions in new sales worth paying that much for they ad space?

When the cost per 30-second soundbite is $5-15 million dollars and with 25 between all the breaks and some being 90-second commercials, that's like $300 million on the promise of a few more dollars

How does this pay off exactly? It actually is a profitable investment?

How do large companies make money off Super Bowl Commercials?

Anyone make the switch to Windows 10 yet?

Has your office adopted Windows 10 yet?

Anyone make the switch to Windows 10 yet?

Have you ever tried fugu?

Advanced Spring 2016 Exam - Lesson 1

Hi all,

I will post up on my website over the next few months some topics that are available for download. Lesson 1 is available now.

To download the file:

Go to http://ift.tt/1BXqoM0 and click the 'Seminar Samples' link and it is under the 'Advanced Exam' heading on that page. When you click the link for lesson 1, click on the 'download this media' link on the top of the screen that appears.

Not sure how many of these lessons will be posted over the next few months. It will probably be based on student's questions or syllabus topics where an example might help clarify the topic.

This 1st one is an alternate solution to a prior exam question. The SOA made a comment regarding an alternate approach in their solution.

Fee free to reach out to me directly via my website with any questions regarding the lessons.

C

Advanced Spring 2016 Exam - Lesson 1

Pick Up Artist video-game

Hey folks! I'm creating a silly game where you go to bars and pick up chicks. Each attempt is a final-fantasy style battle, where you strategically use some basic social skills to convince women that they want to go home with you. It's tricky! because you have to take advantage of your strengths & avoid offending girls & avoid friend zones & other bros & jealousies & exes & previous hookups & STIs & all sorts of dramas.

Anyway I thought I'd ask the actuaries if they have any thoughts to contribute?!

Pick Up Artist video-game

Mahler PE17 Q17

Please could you help with this.

The question says that we have a 2-point mixture dist with 0.6 a SPP(α=3,θ=10) and 0.4 a SPP(α=2,θ=10). We want the Ε( Χ / Χ>20).

I tried to solve it using

Ε( Χ / Χ>20) = 0.6 Ε( Χ / Χ>20) + 0.4 Ε( Χ / Χ>20)
using the formulas for the first conditional moment of a SPP(α=3,θ=10) and for the second of a SPP(α=2,θ=10).
Also I used Ε( Χ / Χ>20) = { E(X) - E(X^20) + 20P(X>20) } / P(X>20)
And using all these end up getting a value of 34 (34 = 0.6 * 30 + 0.4 * 40).
However the right answer is 35.71 and Mahler solves it using calculus. Why is my approach not valid??

Thanks

Mahler PE17 Q17

NYT Endorses Hillary Clinton

Interesting development. But not all that surprising.

Basically they stated that while they like Bernie, they don't find his policy recommendations realistic.

NYT Endorses Hillary Clinton

Spring 16 Core Exam - Lesson #1

Hi all,

I will post up on my website over the next few months some topics that are available for download. Lesson 1 is available now.

To download the file:

Go to http://ift.tt/1BXqoM0 and click the 'Seminar Samples' link and it is under the 'Core Exam' heading on that page. When you click the link for lesson 1, click on the 'download this media' link on the top of the screen that appears.

Not sure how many of these lessons will be posted over the next few months. It will probably be based on student's questions or syllabus topics where an example might help clarify the topic.

Fee free to reach out to me directly via my website with any questions regarding the lessons.

C

Spring 16 Core Exam - Lesson #1

Will stocks plunge next week?

4 reasons I think there's downward pressure ahead

Reason 1: What we saw Friday is a normal counter ralley Eventhough the primary moving avg trend is down (we had a moving average crossover between the 50-day and 200-day moving avg for the S&P500 and it's far from being undone). The counter ralley was further exacerbated by end of month mutual funds rebalancing their stock/bond portfolios for the month of January, since stocks plunged for the month. (After a counter ralley and a bear market direction, it's a chance for short-term investors to do some profit taking)

Reason 2: The news that brought on Friday's ralley was in part
BAD economic news US GDP underperformed expectations as did employment growth. The reason it forced a ralley was reduces the Fed's likekiness of hiking rates further. So once speculation is the FED is out of bullets, this will be bad fast.

Reason 3: Japan's negative interest rate decision indicates that most Feds, including ours, have run out of conventional options and once the last straw...negative interest rates fail, and we are in recession...it's going to be unprecedentedly bad

Reason 4: Debt to earnings in US companies is at a 12-year high

Thoughts?

Not to mention energy market is extremely volatile

Will stocks plunge next week?

Extended Warranties and Rescissions

There is a thread on the AO regarding tech companies, insurance, and in particular their extended warranties that reminded me of my experience with Hewlett Packard several years ago. I wondered then whether other people had a problem like mine, but never thought to ask the AO.

Here is part of my letter to HP

"I purchased a laptop with a 3-year warranty in Sept07, and in Oct10 I bought another warranty, for 12 months. This last warranty would normally expire in Oct11. However when I called last week about actual and potential problems with my laptop, I was told that HP has stopped acquisition of replacement parts effective May11 and therefore warranty servicing was impossible. HP is in the process of refunding a prorata portion of the cost of the warranty.

So for this particular warranty you act as follows
- The cost is $15 per month. (It's paid all at once, up front, but that's not really relevant.)
- Up to May11, you provided warranty coverage and product service. The issue is what happens on/after May11.
- For people who do not have a warranty claim, you keep the $ 15 per month.
- For people who do have a claim, you give back the $15 for the month of claim and for any remaining months where you already collected the $15.

This is not really insurance or warranty coverage or anything of the sort...you are just taking money, sometimes keeping it, sometimes giving it back, but never providing the service you promised to provide."

I got no response there, and then tried NY AG and Calif DCA, where I also got no reply. Anyway, this is from my email to them:

"A similar topic, with far greater harm to individual consumers, involved the alleged action of some health insurers with respect to rescissions. You may recall that some insurers issued policies readily, and then were said to rescind policies quickly in the case of those individuals who had large medical expenses. The two circumstances are very similar - in each case, the consumer thinks he has insurance until he has a claim. A premium refund is small consolation."

Has anyone had a similar experience with respect to extended warranties? Or seen other examples of what I would call the “rescission fraud?” I tried some back-of-the-envelope calculations to estimate the profit from this sort of fraud, using vague guesses regarding the number of people who keep their PCs for several years, etc. FWIW, I managed to convince myself that the number is in the $$ multiple millions.

As a sort of odd postscript to my own experience, I received another email from HP in Sept11, described below:

"Finally, I got an email today from HP that just freakin' blows me away. They want to sign me up for another year of warranty "coverage," even though they just refunded 5 months or so of premium for the prior year of 'coverage.'"

Extended Warranties and Rescissions

Deflation

This is kind of political and kind of financial. Probably more financial since most of our country is not sophisticated enough to understand some of the problems with deflation, but does anyone see deflation as a problem to be concerned about right now? I am looking at basically every part of the world's economy except the US (maybe ours too after yesterdays GDP report) slowing down. The bottom has dropped out of almost every commodity market and every time they start to increase they crash back down with massive supply glut reports. Oil is the main one, but most of the metals, coal, natural gas, everything is around 10 year lows. I think China is going to double down on deflating their currency to try to solve their problems which will make their good cheaper here. Population growth in the world is slowing. I guess I see a lot of arrows pointing toward deflation on our horizon. Japan has been dealing with it for a while now and it is basically soul crushing if you have debt or are working in an industry that sells goods. Anyway just wondering if anyone else sees this as a problem or has a solution to the problem?

Deflation

PAK Special Sale – 15% Off All Products!

We want to help students to pass this exam! This is our goal and we are committed to it!

In order to let more students try our PAK products, we have decided to offer all students 15% OFF all of our products from now until February 7th, 2016.

Benefits to PAK Study Manual
Many students PASSED this ERM exam by using our PAK products because we know what is needed to pass this difficult exam:

1. Solid Study Products: We have all the other competitors offer.

2. Tons of practice questions and mock questions: 900+ practice questions / 100+ mock questions in the PAK Exam Aid and many more.

3. Detailed Videos: Our videos cover the entire ERM syllabus with great explanations on confusing concepts/calculations.

4. Strong Instructor Support: As you all know, we have strong instructor support for all our students. Paul and I work together to answer students' questions and provide useful insights to PASS this exam.

Please feel free to send us an email to get more details on how to get the 15% off discount! The time is clicking! Don't miss out! :tup:

Please feel free to read students' comments about us (Fall 2015 exam) and compare our products to others.

http://ift.tt/1ZZRM7j

Quote:

Originally Posted by naturalblogarithm (Post 8380435)

Passed! No more exams! Thank you PAK! I'd give you the MVP for this exam, but my wife gets it for watching the kids to allow study time (it's an honor just to be nominated, though).

http://ift.tt/1ZZRM7l

Quote:

Originally Posted by Actuary_Bro (Post 8380432)

Had to have someone else check with all the volume but passd!!!

Eddy & Paul , thank you! PAK is great at covering the material and helping for first time FSA exam takers.

http://ift.tt/1ZZRNrS

Quote:

Originally Posted by tennoji (Post 8380667)

Passed on 2nd attempt. Used PAK. Thanks Eddy!!!!!!! Studied really hard on this one (probably harder on any of the prelims). Does anyone know how long it takes to have the exam results processed and be recognized as finally having the CERA credential?

http://ift.tt/1ZZRNrU

Quote:

Originally Posted by Nyorky2428 (Post 8380320)

Passed! PAK is definitely worth it for this exam

http://ift.tt/1ZZRNI8

Quote:

Originally Posted by langstafftigerpizza (Post 8380335)

passed. at least some good news. My investment has been nose-diving since I took the exam.

PS- I used PAK study manual. Will recommend to my students.

PAK Special Sale – 15% Off All Products!

Please critique my resume

Hi, there will be a career fair event happening soon, one of the companies that I am interested in deals with P&C. This is the resume I prepared for them, any advice/criticism that you have is appreciated.

Attached Files

resume help.doc (34.0 KB)

Please critique my resume

Do you trust Hillary to defeat ISIS?

She sure talks the talk. With Obama in office, presumably in agreement with her, and with a pro-war republican congress, why hasn't Hillary talked them into defeating ISIS already? Why do we have to vote her in first before she takes any action? I find it hard to believe that superpowers are being pushed around by this group. Something smells fishy, like a pure election ploy.

Thoughts?

IMO, simply letting the Arabs clean up their own mess is not good enough. We should be talking to the stable countries in the area to convince them to help out or not fund ISIS. We should train and light arm the locals who are being attacked. We should provide drone air support. We should cut off recruitment ads and replace them with footage of what those people are doing. I don't think the victims are strong enough to fight ISIS off on their own. Hillary sounds great, but she also sounds like just words, if she won't act until after she is elected.

Do you trust Hillary to defeat ISIS?

You, Me and the Apocalypse

Pretty good for a S1E1

You, Me and the Apocalypse

XP Actuarial Video Lessons

XP Actuarial Video Lessons:

The Study Manual includes 10 videos that cover the important concepts on the exam. We have released the first video to you for free. This video covers Value at Risk and aggregates the relevant material from various readings on the exam relating to VaR.

Accompanying the video is a summary that details all the relevant material covered in the video. The strategy for the videos is to read the summary, watch the video and then do all the practice questions relating to the readings covered in the video.

The video has been uploaded to our Youtube channel for you to view. Remember that with Youtube, you can change the speed of the video. Simply click the settings button -> speed -> and then choose your speed (normal, 1.25, 1.5, 2).

I have also attached the accompanying summary notes for this video Attachment 35114.

When coupled with the Study Manual and Practice Questions, the Video Lessons take your studying to the next level!

As always, I am always here to answer any of your questions. I am dedicated to creating a quality product that will help you pass this exam.

Thanks and good luck studying!

Attached Images

XP Actuarial Tutorial 1 - Value at Risk.pdf (245.9 KB)

XP Actuarial Video Lessons

How challenging do you find your work?

I'm in my first actuarial role and I'm starting to feel that, one, the role is derivative from traditional actuarial roles and, two, the work is not challenging enough. For example, I have not yet worked on pricing, reserving, or modeling in any capacity, nor do my supervisors (there are other departments in the company that do). We mainly provide "actuarial support" for other non-actuarial departments which translates to creating a ton of reporting. I'm starting to hate making reports and am curious about a more traditional actuarial experience. Is pricing/reserving just as boring after the first two years? I've been contemplating getting out of the field, and at the very least, switching jobs. What has your experience been like?

How challenging do you find your work?

Moda in Portland

no capital, state take control.

http://ift.tt/1nUGSDO

Moda in Portland

The 2016 Iowa Caucus - Democrat and Republican

Which Presidential candidate supporters will brave the cold, literally?
http://ift.tt/1nUGS6P

The 2016 Iowa Caucus - Democrat and Republican

PAK Online Seminar for ERM Spring 2016

Hello all,
I've hijacked some other threads, but I just wanted to take a minute and start a base for the PAK Online Seminar for ERM Spring 2016! I already know many of you on the forum, but I'd like to introduce myself to those I don't.

A little about myself

My name is Paul Peterson, and I've been helping students pass exams for about 3 years now. I passed my exams and got my FSA using PAK, and thought so highly of the material that they provided, that I couldn't wait to start helping get other students through these exams. I started work on the Finance Track (CFE/SDM), focusing on the Online Seminars, and have recently joined Eddy in the fight to help students pass ERM!

The thing I have taken the most pride in over the years is the close relationships I have with the candidates. Please, feel free to email me, PM me, or chat on this forum or the PAK forum, and I promise I will promptly and thoroughly reply; I'd love to help out, clear up any tricky topics, or give advice. I'm confident that the students I have worked with in the past would agree that I will stop at nothing to help you get a passing grade :)

A little about the seminar

The purpose of this seminar is to solidify and enhance your knowledge of the readings, and most importantly, give you the best chance to pass the exam. We will review all of the key concepts, do examples, and discuss how the readings could show up on the exam.

The PAK Online Seminar includes:

Over 70 video lectures to clarify and explain the key concepts/calculations in each syllabus reading (Core + Extension) and past exam questions
Analyze the new case study (e.g. how to answer the case-study-related questions)
Discuss the past exam questions (e.g. exam techniques, how to score)
Contain condensed outlines for each reading on the syllabus
Include practice questions to test your knowledge
Review the lectures and study at your own pace
On-demand video library compatible with smartphones (iPhone, Android, etc), tablets (iPad, Android), and PC/Mac devices.
Email support (ask as many questions as you can think of!)
Free access for 2nd attempt (only for those who scored 2-5)

A little about the exams

Statistically speaking, most students taking the ERM exam are taking it as their first FSA exam. Many are not prepared for the change in difficulty and style compared to the preliminary exams. Here are a couple of things to keep in mind:

Make a schedule and try to stick to it. You are required to read a lot of material, and falling behind is the surest way to hurt your chances. Try the PAK Suggested Study Schedule for a good guide.
Look at some of the past exams and exam solutions. Don't worry if you don't know the answers yet. Take some time to get familiar with the types of questions you might see.
Practice writing. This might seem like a strange one, but many students are surprised by how hard it is to write for such a long time. Build those muscles!
When in doubt, ask questions. I'm always here to help!

If you have any questions at all (about the exam, about our products, about life in general), please email me at paulpeterson@pakstudymanual.com or talk to me here. And as you are starting to study and think about the exam, always remember, you can do it!

PAK Online Seminar for ERM Spring 2016

How political is Trump?

Does he really want to change the country how he says, or does he just want to boost his ratings?

Why would a billionaire care about lower class white maybe having to compete with foreigner labor?

Trump has spent only $5 million on his campaign, compared to over $80 million by Jeb Bush. I think he is a troll, and he does not care about our government. If elected, I'm sure he will find ways to make money, if not by having far greater publicity for his show.

He told New Yorkers, including Hillary, that he was very pro-choice. Now he says he just said that because he could get further in business in New York by acting liberal and complimenting the state's senator.

Will you vote for him just for the lolz?

How political is Trump?

SOA sample question 48

Can anyone help explain question 48? There seem to be a bunch of typos in the solution from the SOA. Thanks

"You are given the following joint distribution:
 Theta
X | 0 1
0 |0.4 0.1
1 |0.1 0.2
2 |0.1 0.1
For a given value of Theta and a sample of size 10 for X:
X_bar = 10/10
 Calculate the Bühlmann credibility premium."

If the question is not clear due to the lack of formatting. Theta can be 0 and 1. X can be 0,1, or 2. The probabilities of each combo are in the table.

SOA sample question 48

Zika virus

Those tiny headed babies are scary looking right?

Zika virus

FREE trial of videos for P/1

As a special limited-time offer from Abacus Learning Institute, you can view for FREE the first module of the video course covering all of what you need to know to pass P/1.

The videos feature Dr. Chris Wilson, the highly regarded teacher at Butler University who has helped his students prepare for this exam.

This offer is available to the first 50 people that register in the month of February for the free Module 1; registrants will be able to view the videos for 30 days starting from when they register. To register, go to http://ift.tt/1mdENlT and select P/1 Free Module 1 from the pop-up menu about a third of the way down the page.

The full video course can be purchased at the website if you find the trial Module 1 to be helpful.

Jim Daniel
Director of Actuarial Education
Abacus Learning Institute
jimdaniel@abacusli.com

FREE trial of videos for P/1

Practice Leaders, Health Firm (Mult. Locations #46274)

DW Simpson Global Actuarial Recruitment | Health Actuary Jobs

Growing health consulting firm seeks practice leaders in new locations to grow their business and eventually to build teams in new offices. Consulting background required, with polished communication skills and health industry expertise. (#46274)

The post Practice Leaders, Health Firm (Mult. Locations #46274) appeared first on DW Simpson.

View and apply for this job at http://ift.tt/20z77O9

Practice Leaders, Health Firm (Mult. Locations #46274)

Senior Principal Actuary (Minnesota #46266)

DW Simpson Global Actuarial Recruitment | Health Actuary Jobs

Health benefits company looking to hire a principal actuary to price products for clients and strategically consult on design, support and trends for all LOBs. Work involves commercial Medicare/Medicaid areas. Ensure quality and consistency of work and present finding to stakeholders. ASA/FSA with relevant experience, apply! (#46266)

The post Senior Principal Actuary (Minnesota #46266) appeared first on DW Simpson.

View and apply for this job at http://ift.tt/1nUGSnl

Senior Principal Actuary (Minnesota #46266)

Senior Actuary, Medicare Bid / IBNR (Arizona #44475)

DW Simpson Global Actuarial Recruitment | Health Actuary Jobs

Managed care organization out west seeks experienced actuary to lead the actuarial analysis function for their company. You will be responsible for overseeing actuarial analysis, IBNR modeling, financial analysis, and reserve reviews. You will also supervise Medicare bid submissions. Act as a liaison to executive leadership on actuarial related issues. ASA/FSA with relevant technical actuarial experience desired. (#44475)

The post Senior Actuary, Medicare Bid / IBNR (Arizona #44475) appeared first on DW Simpson.

View and apply for this job at http://ift.tt/20z77xR

Senior Actuary, Medicare Bid / IBNR (Arizona #44475)

Toilet room within bathroom

?

http://ift.tt/1nUGRzT

Toilet room within bathroom

Diversity and business regulations

http://ift.tt/1nUGPrN

Quote:

WASHINGTON—The Obama administration plans to require large employers to peel back the curtain on how much they pay men and women in a push to narrow long-standing earning gaps between the genders.

The Equal Employment Opportunity Commission will roll out details of the plan Friday to begin gathering a summary of pay data from employers with 100 or more workers.

The data will be used to identify employers that may be engaging in pay discrimination so that the agency can target its enforcement resources where problems may be likeliest to exist. The proposal would cover more than 63 million U.S. workers, according to the White House.

The plan, which will be open to public comment but won’t require legislative approval, is part of a broad effort undertaken by President Barack Obama and federal agencies to close a persistent wage gap between men and women.

Soon after taking office, he convened a national task force to address the issue, requesting greater coordination among agencies and more aggressive enforcement efforts.
.....
In a 2012 report commissioned by the EEOC to study the feasibility of collecting pay data, independent experts found that the agency at that time didn't have the expertise it needed to analyze the information it hoped to gather from employers.

Ms. Yang said Thursday that the EEOC has been working to increase its capacity. She also said the agency is joining with the Department of Labor to accomplish the aims of the program.

“One of the benefits of us partnering with DOL in this effort is we can join our capacity together in analyzing some of the data and sharing information and resources.”

Ms. Yang said she anticipates completing the rule-making process by September 2016, with employers submitting their pay data for the first time in September 2017.

Get ready for "everybody is an independent contractor"

I liked this comment on the piece:

Quote:

Raymond Miller 6 hours ago
Serious question here. How is an employer to know the sex of an employee if the concept is fluid? The employer can only ask what sex, if any, each employee identifies as. Not very PC to make such gross assumptions.

I'm going to start identifying as male for the purpose of working stats, and female when I use the restroom. Because I don't want to look at urinals.

number two:
http://ift.tt/20z77xL

Quote:

SEC Chief: Board Diversity Is a Priority for Agency in 2016
Mary Jo White outlines agenda with initiatives focusing on director diversity, executive compensation

Securities and Exchange Commission Chairman Mary Jo White outlined on Tuesday a busy agenda for what is likely to be her final full year at the helm of the SEC, with a range of initiatives focusing on boardroom diversity and executive compensation.

One new priority: possibly requiring companies to provide more details about the diversity of their directors. Ms. White, speaking at a securities conference in Coronado, Calif., said she is concerned that existing disclosures may not provide investors with enough information, according to people who attended the session.

Ms. White said she has instructed staff to review existing company disclosures and give her recommendations on whether the agency should require companies to provide more specific information about the racial or gender composition of their boards, these people said.

Rules adopted in 2009 require companies to disclose whether diversity is considered for management-backed director candidates who appear on corporate ballots. Some investor advocates say companies haven’t provided shareholders with sufficient information about the makeup of their boards, in part because the rules leave it up to the companies to define “diversity.”

perhaps the SOA could piggyback on this stuff.

Diversity and business regulations

Face-to-Face MLC Seminar in Hartford CT

Dr. Steve Paris, A.S.A. is teaching a live seminar on exam MLC March 4, 2016 - March 8, 2016 at Aetna in Hartford. These live seminars are typically only held on the west coast so this is a great opportunity for students in the Northeast to access Dr. Paris' expertise in person.

The Face-to-Face Seminar is a traditional exam-prep intensive seminar. The daily format is about 50% fast-paced lecture, 25% problem solving demonstration, and 25% participants' working on problems with guidance from Dr. Paris, for five days including a weekend.

If you can't attend to the live seminar, an online MLC course is also available. Students who participate in the live seminar get a discount on the online course if they purchase them together.

The live seminar, the online course and the discount package are all available online at the Actuarial Bookstore:

Live Seminar
http://ift.tt/1PFx1b0

Online Course
http://ift.tt/1PFx1b4

Live Seminar + Online Course
http://ift.tt/1PFwYfs

Face-to-Face MLC Seminar in Hartford CT

Multiplication as Repeated Addition, Exponentiation as Repeated Multiplication

I know each of these two things isn't exactly true. But I'm struggling as to how to discuss exponents with my class (early high school, skill level from quite below grade level to at grade level) without at least starting off with the "erroneous" concept.

I don't want to tell these kids untruths, but I do want them to be introduced to this concept in a way they can handle.

Any thoughts? Is it better if I at least say "exponentiation can be usefully thought of as repeated addition", and toss in a little disclaimer?

Multiplication as Repeated Addition, Exponentiation as Repeated Multiplication

Consultant, Healthcare (Multiple Locations #46270)

DW Simpson Global Actuarial Recruitment | Health Actuary Jobs

Growing health consulting firm seeks actuaries at all levels with backgrounds in ACA, Medicare, Medicaid and risk adjustment for Consultant roles. Strong compensation and benefits package for top performers. Consulting background is not required. (#46270)

The post Consultant, Healthcare (Multiple Locations #46270) appeared first on DW Simpson.

View and apply for this job at http://ift.tt/1SOCVgA

Consultant, Healthcare (Multiple Locations #46270)

Reboots: the Good, the Bad and the Ugly

No, not a reboot of the classic movie (oh lord I HOPE NOT)

I mean stuff like this:

http://ift.tt/1PFwXYM

http://ift.tt/1PFwXYO

Quote:

This spring, DC Comics will revamp dozens of classic Hanna-Barbera animated series as part of a new line, updating the likes of Scooby-Doo, Jonny Quest, Space Ghost, and The Flintstones for more contemporary tastes. Fans of the originals, brace yourselves though -- some of the new takes on the characters are radical departures.

DC Comics
Perhaps the strangest update is the new Scooby-Doo. In Scooby Apocalypse, the familiar gang of meddling kids -- Freddie, Velma, Daphne, Shaggy and, of course, Scooby-Doo himself -- are reimagined as the only group able to put right an experiment gone horribly wrong. There are no eccentric loners in horror masks here -- instead the group are facing "a world full of mutated creatures infected by a nanite virus that enhances their fears, terrors and baser instincts."

...do they at least say "if it wasn't for you meddling kids..."

and this is not needed:

Reboots: the Good, the Bad and the Ugly

Internet Culture These Days

I don't like when newscasts or morning talk shows talk about internet memes. Like ever. Or talk about who tweeted what, how many likes/shares some random pointless thing got. You can tell the people who just figured out acronyms like ROFL and still use them despite faster input methods making them largely obsolete.

My mom figured out emojis and can't text anymore without including at least two. I never used them myself.

I remember when social movements weren't branded by hashtags.

And no, I will not follow my box of snack crackers on Pinterest.

Just stop it already.

I miss the old, pioneering, sort of underground internet.

Internet Culture These Days

Spring 2016 Case Study

Any idea on about when this will be posted? Seems to be a disadvantage to sitting for this exam in the Spring. Something I wasn't aware of until after I signed up and purchased everything. :viola:

Spring 2016 Case Study

What would you do if everyone you cared about died?

Okay so this question is going to make me sound like a psychopath wishing death on everyone. So keep in mind that I greatly appreciate all the relationships and connections I have in my life and it would suck enormously if I lost any of them let alone all of them.

However, if I put aside the grief and loss, I would probably live my life very differently. I would care considerably less about money, probably quitting my job. I would spend significant amounts of time wandering the world, traveling, hiking. When I say "significant" I mean months at a time away from anyone I know. After wandering for a while I would move to a Scandinavian country.

What would you do, and am I crazy for having a fantasy like this?

What would you do if everyone you cared about died?

How would you search for an ebook on Actuarial exam tips

If you were searching on amazon for a book on the CAS/SOA prelims, what would you type?

You are looking for a book on exam strategies to make your trek through the first 5 exams easier.

Also. I am man on the cover of this book:

http://ift.tt/1SOCSl4

How would you search for an ebook on Actuarial exam tips

Reserves for UL Type B

I am having trouble grasping (at a high-level) the minimum required/statutory reserves for a Type B UL policy (death benefit = AV + Face amount).

I'm in Pension so I don't have practical experience with this. I've researched this thoroughly and just get more confused (terms such as basic reserves, net premiums, net single premiums, etc). I even read through the actuarial guideline on it and the calculation for reserve seems EXTREMELY complex. I just need to understand this at a high-level for a module assignment.

Now the account value piece of the benefit is of course funded with the account value itself, but is there an additional reserve required for the guaranteed face amount benefit? Or is the ending reserve the max (account value, some calculated reserve).

Thanks in advance for the help.

Reserves for UL Type B

Printing money

I had a thought this morning, that slightly ties into what was discussed in a different thread about living in a post-scarcity world, plus BOJ's decision to have negative interest rates.

What if the US government sent every American a crisp $100 bill? Didn't issue debt or count it as an expenditure; just straight up printed money and sent it out.

Setting aside the legality of it (I don't think this can be done). What would happen? Inflation would increase and consumer spending would pop up, and the value of the dollar would drop slightly. Would that be bad? It seems like that's exactly the goals we've been striving for with QE, but this would benefit poor people more.

Printing money

AI go defeats professional go player

Finally, I can finally play go in peace without the annoyance of another human!

http://ift.tt/1KdP4ZW

AI go defeats professional go player

Move your ____ lose your seat

I say it's feet. I've heard others say meat. What say you, AO?

Move your ____ lose your seat

Trying to talk my son out of becoming an actuary

I am the CFO of a personal lines carrier and my son brought up some ridiculous notion of him wanting to become an actuary. I have an actuary who reports to me because some outdated law says that I need to have my reserves signed off by one. Otherwise, I consider him to be a serious liability and drain of cash which I would rather spend on data scientists. The guy comes up to my office and gives me these cute drawings of triangles (what is this, middle school?) and tries to justify setting the reserves based on these outdated methodologies that don't even look at the underlying claimant characteristics that might be the cause of loss development.

Trying to figure out development by looking at patterns in aggregate data? Please. What a joke. That's why I would rather have data scientists - they actually look at the claimant data in detail to figure out what's going on. I'm pretty sure you can program AI to replicate what a human would do when picking development factors. Most actuaries' jobs can be programmed away.

Look buddy, I didn't get to CFO without reading up on my real analysis and elements of statistical learning. The actuarial career is going down the tubes. Guys, please help me steer my son away from this career.

Trying to talk my son out of becoming an actuary

Why isn't there a maternity/paternity leave insurance product?

I'm talking about a supplemental insurance product sold to working employees, private of the employer,

That works like disability insurance policy, except it covers the cost either to the employer or the employee of the cost of the lost productivity during the newborn FMLA 12-week period.

Perhaps the policy would have a cheaper premium if you buy the coverage while single and not married,

Would charge more for married couples,

And then more depending on salary to be covered

And plan can cover 100% of salary but only for the FMLA 12-week period, for both maternal and paternal

And if company has paid leave, you would be capped at 100% salary between all income sources, so instead if working for a company with paid leave, you would get a premium discount off the private policy.

Why isn't there a maternity/paternity leave insurance product?

Milliman Opens Office In Malaysia

Anyone hear about this? Is it all lines of practice or mainly L&H?

This news is sure to please people, especially from places like Drake, IA where so many Malaysians live. It's like a way to leave Iowa and return home.

Final question, will the lead principal be an American (white male)? I'd venture to say yes.

Milliman Opens Office In Malaysia

Has The Donald Insulted YOU on Twitter?

NYT is keeping a list. Don't know why.

He seems to disdain everybody in politics.

Has The Donald Insulted YOU on Twitter?

Mahler PE 3.6

Man, it is tough to find a discussion about a specific problem from Mahler's exams.
I think I have a mental block when it comes to calculating bias. I set up the equation without a problem and think I know where Im going but then there is some assumption, or some step, logic, etc. that I just don't see. Happens on all but the most simple bias problems I try (and those Im likely getting by just being lucky).

Take this problem for example. The extimator is Xbar*e^-.54. We are estimating the mean of the lognormal. We know that. It's given in the tables.

I set up: Bias = E(extimator) - parameter_being_estimate. We are given sigma^2 = .36

So Bias = E(Xbar*e^-.54) - e^(u-sigma^2).

First term = e^-.54E(Xbar)
Second term = e^-.36 * e^u

Ok, now here is where things get weird for me. The problem gives us u=8 and n=1000. If I plug in what I have, I am left with:
Bias = e^-.54(E(xbar)) - e^7.64.

The solution says that the estimator is an unbiased estimator (how, i don't see, I can't hang with the steps of the solution). But OK. That means that the terms on the right are equal. So I solve for what's remaining, E(xbar), which comes out to 3568.85. So? what does that tell me - pretty much nothing because without the solution saying the bias is 0 I wouldn't have determined E(xbar), and it is apparently irrelevant anyway.

In the solution it says the E(xbar) = E(x). Why? How do we know that? isn't x bar = sum of our samples / n? What allows us to make this assumption? I think if I could understand this part (why E(xbar) = E(x)) I might be able to figure out what is going on with this problem.

Anyone got any hints?

Thanks!

Mahler PE 3.6

are actuary careers dying out?

just got off the phone with my dad, CFO of financial firm and he has ripped me a new one over my decision to become an actuary.

he has always wanted me to become an accountant - i find accounting mind deadeningly boring. so boring i could stab myself

when i stumbled onto quantitative analysis this year, my mind literally exploded. i love everything about statistics i think this is my calling. if i could do this every day i know i'll be challenged and not bored

he says that actuaries are a dying breed - less jobs every year, more and more people trying to get in to the field and that i am making a HUGE mistake heading down this path.

is it really that bad?

are actuary careers dying out?

Live blogging R debate

welp, I don't have anything better to do right now, so what the hey. Dunno how long I will stay here.

Live blogging R debate

EOM3 Task5

If my understanding is correct, the private defined contribution is contributed by the company. How could the company allow to contribute different split-up rates for different employees?

Can someone explain this to me? Thanks.

EOM3 Task5

SOA sample question 263

Why is there multiplication by .1 in the calculation for V and mu, and (.1)^2 in the calculation of v?
I do not see why they are multiplying by these numbers.

SOA sample question 263

Feedback between model use and availability of data

Hi there,

It is my understanding that sometimes models are used for the purposes of business selection - for example, you might build a model that says that so-and-so potential insureds that have characteristics xyz are undesirable and hence should no longer be written on the company's books.

However, should such a model be implemented, the company would no longer be collecting data on this population. I was thinking that if the company wanted to write the business at some point in the future, it would no longer have adequate data available for modeling.

Is this a legitimate concern or is there nothing to worry about?

Feedback between model use and availability of data

Please Critique my (Entry Level) Cover Letter

Any advice on my cover letter for an entry level position at a life/health insurance company would be greatly appreciated. My resume is also attached for reference; critique is welcome on that as well.

Thank you!!!

Attached Images

	Entry Level Cover Letter.pdf (117.9 KB)
	Entry Level Resume.pdf (237.4 KB)

Please Critique my (Entry Level) Cover Letter

CPCU 540 Textbook for sale $60 Including Shipping

Finance and Accounting for Insurance Professionals 2nd Edition. Used but good condition.

Asking for $60. Includes shipping. Please PM me, thank you.

CPCU 540 Textbook for sale $60 Including Shipping

From allied health to actuarial...

I wanted to get some input from people here about the skills that will be desirable for someone exploring a career change from allied health to actuarial.

[disclaimer] I have spent a good deal of time searching for and reading information relating to career changer advice both on AO and elsewhere, but haven't come across something that answers my questions here [/disclaimer]

I currently work in allied health in direct client care, and am also studying for actuarial exams as a first step towards a career change. I am anticipating this process to be a relatively lengthy one, and am hoping to find advice regarding specific skills that I can develop in the next 6-12 months that can take me from being an average or below-average EL candidate to being an above-average or excellent EL candidate.

Here's a vignette of my current situation:
-Bachelor's degree from prestigious university in a non-quantitative field
-Two master's degrees from semi-prestigious university in non-quantitative fields relating to bachelor's; graduated with "exceptional merit"

-Employed in allied health for last 3 years; regular quantitative work required
->At current job, recognized as among those leading the department in revenue and utilization; Department exceeded budget projection by 18% in 2015
->Current job/workplace identified as a top midsized company in my state for entire duration of employment
->Acquired specific credentials to advance in workplace; currently supervising students and interns in workplace

-Limited experience with Excel and SQL

-Multiple awards/recognitions in field of study, both academic and outside academia

-Identified by current and former executives as having excellent interview skills

--
TL;DR - I have been working in allied health in a non-quantitative role. Much of the feedback that I have seen on AO deals with people who have degrees in quantitative fields or experience in quantitative jobs, but I don't have that. What can I do to make myself as appealing as possible as an interview candidate, given my situation, other than taking and passing exams?

Thanks!

From allied health to actuarial...

ASM Quiz 57-1

Hello. I am using the most recent edition of the ASM manual to study. Can someone please help me with quiz 57-1 - in particular the derivation of V_a and V_b ?

What I thought to do for V_a was calculate the following :
E(A)=0*0.75 + 1*0.25 = 0.25
E(A^2)=0^2*0.75 and 1^2*0.25=0.25
And then solve for V_a like
V_a = 0.25 - 0.25^2 = 0.1875

I used a similar methodology for V_b

To get v I just took:

v=0.5(V_a + V_b) which is done in the solution, however they have different values of V_A and V_b

Can someone please help ?

Please let me know if this isn't clear enough and I'll try to elaborate more!

Thanks in advance!

ASM Quiz 57-1

Recent Graduate help on job hunting!

Hi everyone, this is my first ever post so please let me know if I make any mistakes.

I'm a recent graduate with Bachelor in Actuarial Science. I've taken 2 exams (FM, P) in the span of 3 month (10/2015 - 01/2016). I changed major from Biology and Business Adm to actuary during my junior year, big stretch I know. And I've spend the last yr just to catch up all the coursework so I could graduate soon. Result of that is that I didn't realize I need to find internship and social more with other people from the industry.Now my biggest problem is that I don't have any actuary related experience whatsoever. I've only worked 2 jobs: pharm tech(current), restaurant server.

So my questions are:

1. Where/How should I look for jobs? (I've used indeed, careerbuilder, monster, glassdoor, some local company websites)

2. What other type of positions should I be looking at if there's not much opening in the actuary department of a company? (I heard data analyst is a good place to start).

3. I barely got 1,2 interview and they're not even for the actuarial positions. Is it because my resume has flaws? (That's before I added exam P on my resume recently)

I'll attach my resume here (please let me know if I left any sensitive info out, thank you)
Attachment 35107

4. What kind of interview style does the actuarial positions usually have? behavior, 'tell me about your experience', case interview...etc.

5. I notice that a lot openings require SQL, access...etc skills. If I haven't learn these in school, can I learn the basics by myself and put it on my resume? (For example, I found this Vertabelo Academe that teaches basic SQL online for free)

6. Generally what should I do now to make myself more sell-able?

Any help would be greatly appreciated!!!!

Thank you!
:smile::smile::smile:

Attached Images

blank_resume.pdf (340.8 KB)

Recent Graduate help on job hunting!

Attached Images

blank_resume.pdf (340.8 KB)

Recent Graduate help on job hunting!

Actuarial career on another ranking list

....that of salary growth:

http://career-profiles.careertrends....l#13-Actuaries

Quote:

Actuaries #9
Career field: Computers & Mathematics
Employment: 21,490
Entry level salary: $61,401
Well experienced salary: $122,397

Salary difference: $60,996

There's some odd stuff going on in some of these graphs:
http://ift.tt/1Smt1Br

Check out the female breakout
http://career-profiles.careertrends....W8UL&st=fo00yI

That... is not credible

Actuarial career on another ranking list

Career Help Please For Aspiring Actuary UK

I am in a very difficult predicament and in need of professional help.

In 2011 i started studying Mathematics with Economics at Aston University, I was told by my school tutors that i had a lot of potential but at the time i was very immature. Having started university i didn't consider my career or post uni life which i regret, I just jumped at the opportunity of studying a subject which i was good at. I got through the first year without attending any classes with an average of 50.21%, second year came and nothing changed I was still immature spending my time playing computer games, spending more time with my girlfriend than attending any classes. During the same year my grandma passed away, i was able to use this in my extenuating circumstances and had to repeat the year, during the second year i averaged 51.72% which accounts for 25% of the overall degree. I had an option to take a placement year yet again i was immature and rejected the opportunity so I could graduate asap. Third year came by now i was starting to show signs of maturity, having dumped my girlfriend because 'she was holding me back' my mindset was starting to change. I quickly realized this is the mindset i should have had when in my first year because i was making mistakes as a student, which had i made in first year i would have learnt from and implemented a new strategy in the coming years. It's too late to dwell on the past, I need to work with my current situation to come up with a better future.

It is now 2016 and i still haven't graduated i still have 2 modules to complete and all of a sudden i enjoy studying and seeking knowledge. I now face a problem of only achieving a 2.2 as the highest possible grade. My heart aches when thinking about the past, thinking about all the classes i could have learnt some beautiful material from, all the geniuses from my class i could have met and more importantly the library full of books which i never even set eyes on :( .

Over the last year my life philosophy changed, i guess it had to after making a serious of poor decisions. I started reading books which i had never ever done, not even as a kid, i started reading into personal development and now I'm addicted to growth and becoming the best version of me.

The problem is now i am 25 years old and I want to be an Actuary. I am actually grateful for the life experience i've had, I have analysed my mistakes and i know i will never be making these again. Sometimes your best teacher is your last mistake, it's time to learn from them and chase down the goals. Oh yes, i've also become more goal orientated.

I'm in need of your help, i need a strategy to become an Actuary. I don't have any experience that's the worrying thing. I also don't have any exams under my belt, but i will start working towards the Actuarial Analyst Certificate this year. Right now all I have is a burning desire to become an Actuary and to show that potential which was once talked about.

I have also attached my CV would it be possible for you guys to critically analyse that as well.

Attached Images

CV.pdf (123.2 KB)

Career Help Please For Aspiring Actuary UK

Associate of the Canadian Institute of Actuaries (ACIA) Requirements

Hello,
Within the requirements for the ACIA credential the CIA webpage says:

Successfully complete or have credit for exams P/1, FM/2, MFE/3F, MLC, 3L (or ST and LC), and C/4.

My question is if MLC is enough or Canadian candidates need to take MLC and ST or MLC and 3L?

Associate of the Canadian Institute of Actuaries (ACIA) Requirements

Trump VP Pick-Poll

Poll set.

Lots of chances to speculate, if you think it'll be someone else vote 42 and make a post.

Trump VP Pick-Poll

Situations in which you'd vote for Trump for President

Just curious. Didn't want to bump this thread because it would get buried.

Poll forthcoming.

Situations in which you'd vote for Trump for President

Chicago PD Tamper with Dash Cams

Quote:

Last month the CPD found that 80 percent of its 850 dash cams do not record audio, and 12 percent don’t record video either. The CPD has blamed the failures on "operator error or in some cases intentional destruction,"

DNAinfo also describes a months-long repair time for dash cams that experienced “intentional destruction.” For example: Jason Van Dyke, the officer who shot and killed McDonald and has been charged with first-degree murder, brought in his dash cam in early 2014 to have a wiring problem fixed, and got it back three months later, on June 17. The very next day, the dash cam was broken again. This time it took until October 8 to fix what appeared to be intentional damage. Less than two weeks later, his dash-cam footage of the McDonald shooting (which differs from the viral video we all saw) had no sound. Police records show that the microphones in his car had never been synced up to the camera.

http://ift.tt/1OT6xFZ

You would think they would be charged with Destruction of Government Property or something like that. You would be wrong.

Quote:

reprimands and suspensions of up to three days to officers who damaged their dash cams

This isn't a 3 day suspension if it got damaged, this is a 3 day suspension if the officer was the one to damage it.

This is tax dollars being spent fixing these cameras, and there's only one reason to intentionally break a recording device. That is because you're scared of what it is going to record.

Chicago PD Tamper with Dash Cams

Buying ASM FM Manual

Im looking to buy a used ASM FM manual. Preferably not very marked up. Thank you in advance

Buying ASM FM Manual

Do you say hi/talk to your manager every day?

Do you all speak to your manager on a daily basis? There are days where I don't talk to my manager at all. Is that bad?

Do you say hi/talk to your manager every day?

Calculator Tips for MFE

http://ift.tt/1JI8uGh

Just posted this on my blog - hope it helps a couple people out. If you have any questions let me know.

What are some other useful calculator tips?

Calculator Tips for MFE

Take this to the bank.

Heres' three things I realized last night.

Okay, so you know how everbodys' always getting racist against guns because their dad never showed them how to shoot? You also got how the gun haters are also probly prochoice while regular people who know about guns are pro life. Well, an argument pro gun people have been using for awhile now is that even if guns are made illegal people will still use them to commit crimes. "Since when do criminals follow laws?" - pro-gun people. So you understand I am saying. Well pro-choice people say that if abortions are made illegal then people will still get abortions, but they will be more dangerous. So essentially its the same argument. Thats' why guns should be kept legal.

Another thing is I got in this argument with this pothead and I realized this last night. Its okay to argue with a pothead about something axcept you just have to make sure its not about pot because the pothead is never going to change his mind about that. Sometimes they even get high and mighty about organics foods and such and then get racist at you for drinking Dr. Pepper. Thats why its not worth telling potheads anything.

The other thing I realized is Trump has got the whole thing rapped up so they might as well call it now. Think about it. The democrats side is either going to be Barney Sanders or a woman, so no bodys' going to vote for them. Also spagetti is a stupid food when you think about it.

Take this to the bank.

The Forest of "gender"

Someone did a search on Tumblr and found the following genders. I couldn't make this up if I tried.

Quote:

Gender Identities

Abimegender– A gender which is profound, deep, and infinite.

Absorgender– A gender that changes to conform to the genders of those around you. As you are around more people, even if some leave, they continue to add to the genders you feel. You remain as the genders that you have taken in until you hit a max of some sort. At that point you become like a blank slate, being only one gender (it doesn’t have to be agender or neutral, it can be any gender and the base gender can be different each time).

If you absorb one gender more easily than other genders, you can replace gender in the term with the gender you absorb best. Like absorgirl, absornonbinary, absordemiboy, etc.

Adamasgender- A gender which refuses to be categorized.

Adeptogender– When your gender identity was obtained through your realization of your kinself. as in your kin realization spurred your gender realization. (note: the gender and kin type do not necessarily have to correlate with each other)

Aerogender– See evaisgender.

Aesthetgender– A gender derived from an aesthetic, also known as videgender.

Aethergender– A gender that feels very wide, commanding, breathtaking and powerful.

Affectugender– A gender affected by mood swings.

Agender– Having no gender or a lack of gender identity

Agenderfluid– See cancegender.

Agenderflux– See librafluid.

Alexigender– Gender identity which is fluid between more than one gender, but the individual cannot tell what those genders are.

Aliusgender– A gender which is removed from common gender descriptors and guidelines.

Ambigender– A feeling of two genders simultaneously, but without fluidity/shifting. May be used synonymously in some cases with bigender.

Amaregender- A gender that changes depending on who you’re in love with.

Ambonec– Identifying as both man and woman, yet neither at the same time.

Amicagender– A gender that changes depending on which friend you’re with at the moment.

Amogender– See flirtgender.

Amorgender– When your gender changes whilst in the presence of an individual to whom you have developed a deep connection for. This could be a romantic attraction, platonic connection, a spiritual affinity or anything similar.

Androgyne– Feeling in between, or a combination of, man and woman (or boy and girl).

Anesigender– Physically feeling like a certain gender but feeling more comfortable identifying as another.

Angeligender– A gender found only among angels, that is hard to describe to non-angels. For godkin and angelkin only.

Angenital– A desire to be without primary sexual characteristics, without necessarily being genderless.

Anogender– A gender which fades in and out, but always comes back feeling the same.

Anongender– A gender that is unknown to both yourself and others.

Antegender– A protean gender which has the potential to be anything, but is formless and motionless, and, therefore, does not manifest as any particular gender.

Antigender– A gender which can only be described as the opposite of another gender, eg. an antiboy being the opposite of a boy. Also known as ungender.

Anxiegender– A gender affected by anxiety.

Anvisgender– See apagender.

Apagender– A feeling of apathy toward one’s gender that causes one to have no desire to look further into it. Also known as lethargender, inersgender and anvisgender.

Apconsugender– A gender in which you know what it isn’t, but not what it is, sort of like the gender is hiding itself from you.

Apogender– A subset of agender in which you feel not only genderless, but entirely removed from the concept of gender.

Apollogender– When you have around 9 (can be anywhere from 6 to 10) different distinct feelings of gender that have combined into one big gender identity.

Aporagender– A gender separate from man/boy, woman/girl, and anything in between while still having a gendered feeling.

Aptugender– A gender which feels fitted and secured.

Aquarigender– A gender which is fluid between infinite feelings. Sometimes, these feelings may be close to an existing term, and sometimes they are indescribable or abstract. Also known as genderflow.

Archaigender– A gender that is ancient/old and big, and can either only be described with those words, or is correlated to them.

Arifluid– See arigender.

Arigender– Switching between nonbinary genders while feeling particularly associated with one feeling. Also known as arifluid.

Arithmagender– A numerical gender. it can range from any number/s, positive, negative, decimals, fractions, etc.

Argogender– A subset of genderfluid wherein the changes between one’s separate genders or the parts of one’s gender happen gradually, or a gender that is defined by its slowness.

Astergender– A gender that feels bright and celestial.

Astralgender– A gender that feels connected to space.

Atmosgender– Having a gender which is present, but unable to be grasped or firmly defined.

Autigender- A gender which can only be understood in the context of being autistic.

Autogender– A gender experience that feels deeply personal to one’s self.

Axigender– When a person experiences two genders that sit on opposite ends of an axis, one being agender and the other being any other gender; these genders are experienced one at a time with no overlapping and with very short transition time.

Batgender– See nocturnalgender.

Bigender– Identifying as two genders; may be static or fluid.

Bigenderfluid– Being bigender, with your gender fluctuating between the two.

Biogender– A gender that is connected to nature in some way.

Blizzgender– A gender that feels cold, snowy, and harsh. When it’s paired to another gender, it’s known as wintegender.

Boggender– A gender that feels like a bog, swamp, marsh or similar ecosystem. Also known as swampgender.

Bordergender/Borderfluid– A fluctuating gender experienced exclusively by people with BPD. A gender identity lacking a firm grasp on one’s identity, while still experiencing gender, to varying degrees, but having trouble pinning it down to just one label or identity. Having the sense of grasping at labels as much as possible to describe a gender, one keeps questioning because one keeps second guessing one’s sense of self and consequently, one’s sense of gender.

Can be combined with relevant genders.

Boyflux– When one feels mostly or all male most of the time but experiences fluctuating intensities of male identity. This can be fluid with any other identity.

Brevigender– A subset of genderfluid in which you feel your gender is never stable for long periods of time, but is constantly changing.

Burstgender– See spikegender.

Cadensgender– A gender that’s easily influenced by music.

Cadogender– A subcategory of polygender identities (genderfluid, bigender, trigender, etc.) to have a gender to fall back on, or one that you always go back to.

Caedogender– A gender which has been “cut away” by a traumatic event.

Caelgender– A gender which shares qualities with outer space or has aesthetic similarities to space, stars, nebulas, etc.

Cancegender– Agender as “base” gender but experiences fluid/fluxing gender feelings in tandem with their emotions. These gender feelings may confuse or upset the individual and cause their emotional state to go haywire, which causes more gender changes. Also known as agenderfluid.

Canisgender– A small, doglike gender.

Caprigender– A capricious, rapidly changing/untrackable gender.

Carmigender– A gender which is poetic and rhythmic in nature.

Cassflux– When your level of indifference towards your gender fluctuates.

Cassgender– Feeling as if the very concept of gender is unimportant to you.

Caveagender– Having a “trapped” or “imprisoned” gender.

Cavusgender– For people with depression. You feel one gender when not depressed and another when depressed. The gender felt whilst depressed can be attached as a suffix (eg cavusboy, cavusgirl, cavusnonbinary, cavusace).

Cendgender– When your gender changes between one gender and its polar opposite, OR a gender that can be summed up as an unidentifiable thing which manifests as hundreds of different genders or none at all at any given time, at the same time and/or separately, fluid, and ever changing.

Cennedgender– A gender identity heavily influenced by one’s parents.

Ceterofluid– When you are ceterogender, and your feelings fluctuate between masculine, feminine, and/or neutral.

Ceterogender– A nonbinary gender with specific masculine, or feminine, or neutral feelings. (Can be used as ceterogirl, ceteroboy, etc.)

Chaosgender– When your gender does a lot of things that have no identifiable pattern or logic.

Cheiragender– A fluid gender that is always or often in opposition to its owner’s desires, or is manipulative towards its owner.

Circgender– A gender that feels so magical and grand as to be indescribable.

Cloudgender– A gender which can’t be fully realized or seen clearly due to depersonalization/derealization disorder(s).

Cocoongender– A gender that has not come out yet, or has yet to emerge in its full form.

Cogitofluid– A gender that is fluid only when one thinks about it.

Cogitogender– A gender that only exists when you think about it, is quiet until called to attention, or is characterized as feeling genderless until a gender is consciously chosen.

Coigender– A gender that feels like it “is on mute”.

Collgender– Having too many simultaneous genders to describe each one.

Colorgender– A gender associated with one or more colors and the feelings, hues, emotions, and/or objects associated with that color. Can be categorized by the specific color(s), such as pinkgender, violetgender, etc.

Comgender– To experience gender, polar opposite of agender.

Commogender- When you know you aren’t cisgender, but you settle for your assigned gender for the time being, e.g. commoboy or commogirl.

Condigender- A gender only felt under certain circumstances.

Contigender– A gender that flows through space and time and constantly changes and is always moving, OR a gender of, or related to, space and time.

Corugender– A gender affected by flashbacks.

Cosmicgender- A gender so vast and/or complicated that it can only be processed a bit at a time; a gender you cannot experience all at once. Infinite in its possibility, it may contain relevant subgenders that define a part of the vast whole.

Cryptogender– Gender identity that one can’t discern, describe or define in words and confuses or puzzles the owner.

Crystagender– A fluid gender that is experienced as one’s gender being fractured or broken into pieces and put back together again.

Cyclogender– A gender identity that changes with one’s menstrual cycle.

Daimogender– A gender closely related to demons and the supernatural.

Deaboy– for masculine-identified or partially masculine-identified people that still feel a connection to feminine energy due to their spirituality. Intended for pagans but is a possibility amongst anyone who practices goddess worship or feminine energy worship of any kind.

Delphigender– A mysterious, obscure and sinister gender.

Demifluid/flux– Having multiple genders where some are static and others are fluid/flux.

Demigender– Feeling partially one gender, and partially something else, ex. demiboy, demigirl, etc. The “something else” may or may not be known.

Digigender– A digital gender. It can range from any digital thing or file; virus, mp3, .txt, etc., often for techkin.

Diurnalgender– See flowergender.

Domgender- Being multiple genders with one specific gender emerging as the predominant one, e.g. domboy, domgirl, domnonbinary.

Drakefluid– When your gender fluctuates, but you can’t find just a few terms to describe what your fluctuating gender is, so you “hoard” gender terms that fit you. To be used by dragonkin individuals only.

Dryagender– A form of agender that is best represented by an empty, tranquil forest.

Dulcigender– An aesthetically-centered gender that is associated largely with stereotypically feminine things (such as pinks, frills, buns, and general cute things).

Duragender– A subcategory of polygender (genderfluid, bigender, trigender, etc) with an identifiable, long lasting gender that is more prominent than the other genders experienced.

Eafluid– See enbyfluid.

Earthgender– A gender identity that is directly affected, tied to, or influenced by the earth or nature.

Egender– See exgender.

Ectogender– A gender that seems elusive, constantly out of your grasp, and impossible to pin down.

Effreu– A scary nonbinary gender. If it’s nonbinary feminine, it’s known as effrille. If it’s nonbinary masculine, it’s known as effron.

Egogender– A gender which can only be described as the individual. It is so personal to you that no other word can describe it but “you”. One may also use (name)gender with their name inserted synonymously.

Ekragender– A gender one has blown up into a million pieces or destroyed via detonation. Also describes those who wish they could do so.

Eldrigender– A gender which is dark, nebulous, and ultimately unknowable.

Elegender– An ethereal gender that is unable to be understood by either the individual or others; a gender that cannot be explained; a dainty, elegant, or delicate gender.

Elementgender– A gender that consists of four primary parts that respectively feel linked to each element (Earth, Air, Fire, Water).

Elissogender– A gender that randomly moves around with no direction or pattern.

Enbyfluid– Gender fluidity between multiple nonbinary genders. Also known as eafluid.

Endogender– Having fluctuating or fluid gender feelings that are limited to a certain area of gender, such as masculine, feminine, or neutral. Also known as femfluid, mascfluid, nobifluid and variations thereof. See genderfluid, genderflux, horogender.

Energender– A gender that seems to be like a ball of energy, shifting and moving rapidly and not being able to be quite pinned down, though its basic components are somewhat known.

Entheogender– A gender similar to a psychedelic or spiritual experience, unable to be explained or understood in mundane terms.

Entrogender– A gender that feels as if it is fading away.

Equigender– Being multiple genders in perfectly equal parts.

Espigender– A gender which is related to being a spirit or exists on higher or extradimensional planes.

Evaisgender– A fluid gender influenced by its surroundings. Also known as aerogender, locugender.

Exgender– An outright refusal to accept or identify in, on, or around the gender spectrum. Also known as egender.

Exiccogender– A gender which, when thought about, feels empty and has a draining effect, making the individual feel empty themselves.

Existigender– A gender which only exists or is noticeable when thought about or when a conscious effort is made to notice it.

Expecgender- A gender which changes depending on who you are around. Also known as pivotgender.

Explorogender– A gender dedicated to feeling and exploring many other different genders at random times. It is constantly changing. (Explorogender can change daily and you can change it accordingly; this is just a name for that desire to constantly explore and change your gender.) Note: this does not extend the ability to explore genders people don’t have access to. (neurodivergent and cultural ones, etc.)

Faegender– A gender that changes with the seasons, equinoxes, and moon phases.

Fascigender– A gender experience largely related to a special interest; for autistic people.

Faunagender– A gender influenced by animals.

Fawngender– A gender that is explored through timidity and caution, but blossoms into something natural and cute.

Felisgender– A small, catlike gender.

Femfluid– Having fluctuating or fluid gender feelings that are limited to feminine genders. Subset of endogender, also known as venufluid.

Femgender– A non-binary gender which is primarily feminine in nature. Do not use femmegender unless you are a lesbian, as otherwise it is appropriative of lesbian culture.

Firegender– A fluid gender in a constant state of change that never truly extinguishes. Aesthetically linked to fire as a visual metaphor or symbol.

Fissgender– A gender experience that is in some way split, similar to bigender or demigenders.

Flirtgender– A gender where your primary interaction with gender feelings is that of flirtateousness – either with gender, or people/the outside world. Also known as amogender or genderamas.

Flowergender– A gender that is more strongly felt during the daytime than at night. Also known as diurnalgender.

Fluidflux– A combination of genderfluid and genderflux, where gender moves between two or more genders and also fluctuates in intensity.

Foggender– A gender which is close to a certain gender, but cannot be directly pinpointed due to brainfog (a lack of concentration or wakefulness associated with ADHD, fibromyalgia, depression, etc.)

Frostgender– A gender that feels cold and snowy. If it has similarities with other genders, it’s known as freezegender.

Fuzzgender– When you know that you’re a certain gender, but can’t explain why you are that gender.

Gemelgender– Having two genders which are equally primary or having a fluid gender which was once singular but is currently two, split, separated, or twain.

Gemigender– Having two opposite genders that work together, being fluid and flux together.

Geminigender– A gender identity that is mostly/usually agender, but will rarely/oftentimes change to a different (non-binary, indescribable) gender which changes each time.

Every time a gender surfaces, it is unique and will eventually go away and never return.

Relates to gemini in that it is typically stable, but will have significant bursts of changes.

Genderale– A gender that is hard to describe. Mainly associated with plants, herbs, and liquids.

Genderamas– See flirtgender.

Genderblank– Having a gender which can only be described by a blank space; when one’s gender is called into question, a blank space is all that comes up.

Genderblur– Where your gender changes constantly by fadeing away into something else rather than making a hard or abrupt transition.

Gendercosm– A gender identity encompassing and surpassing the limits of the earth/society, but doesn’t incorporate existing genders from society; a gender identity so grand and huge it cannot be explained by words. Opposite of gendervoid.

Genderdormant– A gender which is inaccessible for stretches of time, then rises to the surface with varying levels of intensity.

Gendereaux– A feeling of being detached from the concept of gender, but simultaneously identifying with or encompassing many nonbinary experiences or identities.

Genderflora– A gender that blooms and evolves based on the weather and atmosphere; similar to genderfluid but more plant-like.

Genderflight– A fluid gender that feels fleeting, that vanishes before one can define exactly what it is.

Genderflow– See aquarigender.

Genderfluid– Having a gender identity that changes, ex. from boy to girl and back.

Genderflux– Having a gender which changes in intensity. Could be considered as being fluid between gendered and agender.

Genderfuzz– Having multiple genders that are blurred together, making each one indistinguishable from the others.

Gendermaverick– A distinctly unorthodox (and non-binary) gender experience characterized by a self-determined and autonomous sense of anomalous disconnect and/or independence from traditional binary gender. Furthermore, gendermaverick is an identity undertaken/used with the intention of deliberate subversion of society’s sense of binary gender.

Gendernegative– A state in which one feels that their gender is not present, similar to genderflux.

Gender-Neutral– Having a gender directly in the middle of man and woman (or boy and girl) and/or a neutral gender.

Genderplasma– Similar to genderfluid, but feels “hotter”.

Genderpositive– A term related to genderflux, which refers to a state when one feels that their gender is present.

Genderpunk– A gender identity that actively resists gender norms. Is also a euphemistic form of genderf*ck.

Genderqueer– A gender lying outside the gender binary; another word for non-binary.

Gendersea– Like gendervoid, but related to the ocean. A gender that is a vast sea of caverns and depths yet to be discovered. Made with otherkin related to the ocean or sea creatures in mind.

Genderstrange– When you can’t pinpoint one word for your gender, but multiple terms almost fit.

Gendervague– A gender not definable with words because of one’s status as neurodivergent.

Gendervex– See gyragender.

Gendervoid– A gender which is filled with void. Also known as voidgender.

Genderwitched– A gender in which one is intrigued or entranced by the idea of a particular gender, but is not certain that is actually experiencing it.

Gendfleur– A soft gender associated with pastel colors and flowers.

Girlflux– When one feels mostly or all female most of the time but experiences fluctuating intensities of female identity. This can be fluid with any other identity.

Glassgender– A gender that is very sensitive and fragile.

Glimragender– A faintly shining, wavering gender.

Glitchgender– Similar to genderfluidity, however while genderfluidity is normally described as your genders changing smoothly, genderglitch is more sudden and confusing. Note: created by a techkin with otherkin in mind, but available to use by everyone.

Gossagender– A gentle and fragile gender, a gender that is barely there.

Greengender– A subset of colorgender, for the color green.

Greygender– Has a gender at least partially outside the binary but it is weak and indefinable.

Gyraboy– Having multiple genders, which you don’t understand, but knowing they have masculine qualities. Subset of gyragender.

Gyragender– Having multiple genders, but understanding none of them. Also known as gendervex.

Gyragirl– Having multiple genders, which you don’t understand, but knowing they have feminine qualities. Subset of gyragender.

Healegender– A gender that brings peace of mind to the identifier. Once adopted, this gender connects the minds in ways that it had not been connected before. It brings clarity, creativity, and security to its identifier.

Heliogender– A gender that is warm and burning.

Hemigender– Feeling half one gender, and half something else, ex. hemiboy, hemigirl, etc. The “something else” may or may not be known.

Horogender– A gender which changes over time, with core feelings remaining, ex. horoboy, horogirl, etc.

Hydrogender– A gender which shares qualities with water; i.e. currents, tides, etc.

Hypogender– A feeling that one’s experience of one of their genders is small and intense, but diluted by a larger experience of another gender.

Illusogender– Knowing that you’re a certain gender, but still feeling ‘fakeness’ there, either due to neurodivergency and/or due to outside pressure from parents, society, etc. These feelings and/or pressures can be part of the gender experience.

Impediogender- A gender which is most often subdued or silent, but becomes more intense whenever it is challenged or one is in a situation in which their gender makes things more difficult.

Imperigender– A fluid gender that can be controlled by its owner.

Inersgender– See apagender.

Intergender– A gender in which one feels between two genders. To be used only by intersex people.

Invisigender– A gender which feels invisible.

Iragender– A gender which is angry or raging.

Jupitergender– A gender that is so large and present, one is not quite sure what it is because it’s too big to see clearly, but it is definitely there and one knows that they’re definitely not cis.

Juxera– Feminine gender similar to girl, but on a separate plane and off to itself.

Kingender– A gender somehow related to being otherkin.

Kynigender– A gender which is not able to be pinpointed due to the stress of the questioning process, triggering anxiety.

Lamingender – a gender which feels composed of layers or slices.

Leogender– A gender which is strong and regal.

Lethargender– See apagender.

Leukogender– A gender which shines brightly.

Levigender– A lightweight, superficial gender you don’t feel very much.

Liberique– A gender that brings with itself the conviction and/or the ability to express it, despite the external pressure to not to do so.

Libragender– Feeling agender, but with a particular connection to masculinity or femininity, e.g. libramasculine or librafeminine.

Librafluid– Libragender and fluid between feminine and masculine. Also known as agenderflux.

Lichtgender- A gender represented by a ball of light.

Lipsigender– A gender which, when thought about, triggers bouts of depression.

Locugender– See evaisgender.

Lovegender– A gender defined by love for other gendered people who are treated badly, and a love for your own gender as well.

Ludogender– A gender which has a core, but the individual mirrors (copies) the genders of other individuals; for neurodivergent folk.

Lysigender– A gender that seems to dissolve and disappear as soon as you attempt to grasp it or figure it out.

Magigender– Feeling mostly one gender, with the rest being something else, ex. magiboy, magigirl, etc. The “something else” may or may not be known.

Maringender– See nubilagender.

Marfluid– See mascfluid.

Mascfluid– Having fluctuating or fluid gender feelings that are limited to masculine genders. Subset of endogender, also known as marfluid.

Mascugender– A non-binary gender which is masculine in nature.

Maverique– A non-binary gender characterized by autonomy and inner conviction regarding a sense of gender which is unorthodox, unconventional and entirely independent of conventional concepts of gender.

Medeigender– A magical, whimsical gender.

Melogender– A musical, harmonious gender.

Mirrorgender– A gender that changes to fit the people you’re around.

Molligender– A gender which is soft, subtle and subdued.

Moongender– See nocturnalgender.

Mosaigender- A gender composed of pieces or fractions of many genders and feelings. Also known as portiogender.

Musicgender– A catchall term for any gender that is related to musicianship or music theory.

Mutaregender– A gender identity similar to genderflux, since it’s uncontrollable and/or unpredictable, but it’s constantly evolving or mutating, so one never or rarely feels the same distinct gender twice.

Mutogender– A gender which is fluid and changes depending on one’s situation.

Mystigender– A mysterious, mystical and obscure non-binary gender.

Nanogender– Feeling a small part one gender, with the rest being something else, ex. nanoboy, nanogirl, etc. The “something else” may or may not be known. Also known as nan0gender.

Narkissigender– An egotistical gender, viewing itself in a high position and wanting and/or needing praise. To be used only by those with NPD.

Necrogender– A gender that used to exist but is now ‘dead’ or nonexistent.

Nesciogender– A gender one is not completely sure of due to one’s neurotype disallowing a clear understanding of the concept, but has a vague sense of what it could be; i.e. nescioboy, nescioagender, etc.

Neurogender– A term to describe when one’s gender is linked to someone’s neurodivergency. It can be both an identity and an umbrella term for genders that are limited to neurodivergent individuals. This term is exclusive to neurodivergent individuals.

Neutrois– A neutral gender.

Nobifluid– Having fluctuating or fluid gender feelings that are limited to genders either neutral and/or neither masculine or feminine. Subset of endogender.

Nocturnalgender– A gender that feels more intense during the night, but weak/nonexistent when it is light out. Also known as batgender, owlgender, moongender.

Non-binary– A gender that’s not one of the two binary genders.

Novigender– A gender experience too hard to read/process/understand or too complex to pin down to one word.

Nubilagender– A term to describe when part of one’s gender is unidentifiable. Also known as maringender.

Nullgender– Being without gender, but it is not agender or neutrois, a term for those to give a “tangibility” to the intangible thing that is their gender.

Nyctogender– A gender consisting of darkness or related to it.

Obruogender– A gender which is overwhelming and suffocating.

Offgender– A gender that closely represents/is most closely represented by another gender, but is not that gender. Can be alikened to what the color off-white is to white for descriptive purposes. Similar in definition to paragender and perigender.

Omnigay– Genderfluid, with one’s attraction to other genders changing with one’s gender so that the individual is always attracted to the same gender.

Orbgender– A gender which feels round, without any edges.

Owlgender– See nocturnalgender.

Paragender– Feeling very near one gender, and partially something else, ex. paraboy, paragirl, etc. The “something else” may or may not be known. Also known as limit as gender approaches, as in the evaluation of a mathematical limit.

Pendogender– Never being satisfied with your gender no matter how well it fits due to self-doubt, causing one to compulsively search and seek out something that fits even better. Gender perfectionism. For neurodivergent folks only, coined with people with anxiety disorders, OCD, and OCPD in mind.

Perigender– Identifying with a gender, but not as that gender.

Perogender– Wanting to be a certain gender, but not being of said gender.

Personagender– A term used to describe a gender which is used in public as a social identity even though the individual doesn’t completely identify that way, eg. personaboy.

Perospike– Being usually content with your gender, but occasionally strongly wanting to be another one.

Pictogender- A gender that can only be defined by visual imagery or symbolism.

Pixelgender– Experiencing two genders, with one as the smallest addressable element in an overall gender experience.

Polygender– Identifying as multiple genders; may be static or fluid.

Polygenderflux– Having more than one gender, which intensity fluctuates.

Portiogender– See mosaigender.

Praegender– A god-like gender far outside beyond the normal cognizance of gender that is, omnipresent, not null, but other, and beyond mortality and time. For deity-kin and god-kin it can also represent a gender their deity/god self had in their past life before reincarnation.

Preciogender– A gender which feels special and precious to you.

Preterbinary– Beyond the the gender binary/spectrum of male and female.

Primusgender– Having a gender which one feels is primary, strongest in identifying with.

Privagender– A gender which is private; a gender you don’t present as or feel like projecting.

Proxvir– Masculine gender similar to boy, but on a separate plane and off to itself.

Quivergender– Having more than one gender, whose intensity fluctuates.

Quoigender– Feeling as if the concept of gender is inapplicable or nonsensical to one’s self.

Salugender– A gender which imparts upon its owner a feeling of safety and comfort.

Schrodigender– A gender which you can both feel and not feel.

Scorigender– Fluid or flux with three genders that are somewhat similar (such as demigirl, agender, and female — this example would be scorigirl/scorifeminine).

Scorpifluid– A gender fluid between unknown genders.

Scorpigender– A gender that is a mystery, and very difficult to understand. lots of labels vaguely fit it, but almost none can fully describe it.

Seagender– A gender that is as deep and unknown as the ocean itself. It’s a gender that is mostly incomprehensible but slightly familiar in human terms.

Selenogender– A gender experience of fluidity in which the perception of your gender, or even the foundation of the gender itself, shifts in a consistent way in many ways over a period of days, weeks, months, or even years. Like the phases of the moon, this gender experiences similarly phases over time, in a same or similar order, consistently. Also known as monagender and monegender.

Sequigender– Having a gender which one feels is second, not as strong as the primary one.

Shellgender– A gender which is thin, though clearly identified, and yet feels hollow and unfelt.

Skygender– A feeling of gender that varies in clarity. One day it may be clear and easy to read and process, but then it may cloud over and become confusing.

Spesgender– A gender defined by hope. Could be a gender you hope to become/find inside of you. Alternately, it could be a gender that encapsulates all that you want to be or represent.

Spikegender– A mostly undefined gender with intense momentary spikes of a specific gender, such as boy, girl, or genderqueer, that last a relatively short time and fade away. Also known as burstgender.

Stargender– An otherworldly gender that is beyond comprehension in earthly terms, as if it originated from beyond the earth. OR a gender that cannot be defined no matter how many other terms are coined OR simply the gender of a star.

Staticgender– A gender which can best be described as TV static; fuzzy and incomprehensible.

Stratogender– A gender that has various layers, created with sky/cloudkin in mind.

Subgender– Mostly agender with a bit of another gender, ex. subboy, subgirl, etc.

Subfluid– When one fluctuates between subgenders.

Surgender– Having a gender which is 100% one gender with more on top of that of other gender(s).

Swampgender– See boggender.

Sychnogender– A gender that changes multiple times per day.

Systemfluid– Genders that change depending on who’s fronting, for DID/multiples.

Systemgender– A gender which is defined as a sum of all the genders within a multiple or median system.

Tachigender– A gender that changes quickly or that otherwise has to do with high speed.

Tangender– Having one gender felt with the most certainty, but then at times flowing away from it and quite possibly beyond; inspired by both the tangent function graph and the concept of a tangent line.

Tauragender– When someone’s gender stays the same for an extended amount of time due to the comfort they feel with that gender. The gender may change but the individual is reluctant for that change due to stubbornness, but when they do allow the change it is usually for the better.

Technogender– Only comfortable with one’s gender when using technology/online, usually because of social anxiety (specialized for people with anxiety disorders).

Telegender– A gender one feels a disconnect and distance from almost to the point of not feeling it.

Tempgender– A gender identity that feels temporary and is replaced often.

Temporagender– A gender that changed with seasons.

Tenuigender– A small, delicate, fragile gender.

Tragender– A gender that stretches over the whole spectrum of gender.

Traumatgender– A gender identity that has been heavily influenced by past traumatic experiences or ongoing/present trauma.

Trigender– Identifying as three genders; may be static or fluid.

Turbogender– A gender that you have tried to figure out but is too confusing and tangled.

Ungender– See antigender.

Vaguefluid– A gender which is fluid, but determining one’s current gender is difficult due to neurodivergency.

Vagueflux– A gender which is in flux, but determining the intensity of one’s gender is difficult due to neurodivergency.

Vaguegender– A gender being mostly or around a certain gender (or mostly around a certain gender), but is only approximate on account of difficulty defining it due to one’s neurodivergence or brain fog.

Vapogender– A gender that sort of feels like smoke. One can see it and understand it on a shallow level but if one tried to go deeper it disappears, and one is left with no gender and only tiny wisps of the gender one thought it was.

Vectorgender– When your gender is in the direction of something, but not actually that something. ie a vectorgirl would be someone with a gender pointed in or traveling in the direction of girlness, but who is not actually a girl.

Veloxigender– A fluid gender which moves too quickly for the owner to be able to identify what gender they are at a given time.

Venngender– When two genders overlap with each other, creating a whole new gender; in relation to a venn diagram

Venufluid– See femfluid.

Verangender– A gender that seems to shift/change the moment it’s identified.

Vestigender– A gender that blankets another, stronger, gender. It’s the only visible gender, but underneath there is much more of the blanketed gender than there is of the blanket gender.

Vibragender– A gender that is usually one, stable gender, but occasionally fluctuates and changes before stabilizing again.

Videgender– See aesthetgender.

Videogender– A gender that feels too robotic/technological to be classified by human standards note: this gender is for the use of any robotic/mechanical kintypes only

Virgender– When one is practically genderless due to stress; when it is too stressful to have or maintain a gender.

Vocigender– A gender which feels weak and hollow.

Voidfluid– Being genderfluid, but none of the genders can be clearly defined as masculine, feminine or neutral.

Voidgender– See gendervoid.

Witchgender– A gender that has closeness or connection to witchcraft and magic. It has a feeling of power and magic to it.

Xenogender– A nonbinary gender identity that cannot be contained by human understandings of gender; more concerned with crafting other methods of gender categorization and hierarchy such as those relating to animals, plants, or other creatures/things. It’s mainly an umbrella term for genders with themes such as nouns, archetypes, synesthetic experiences, neurodivergences.

Xirl– Someone who identifies in some way as a nonbinary girl or nonbinary girl-adjacent. Someone who identifies with some part of woman/girlhood but who wants a more nonbinary and neutral sounding word because they aren’t entirely girls or don’t want to be associated with the typical ideas brought up by the word “girl.”

Xoy– Someone who identifies in some way as a nonbinary boy or nonbinary boy-adjacent. Someone who identifies with some part of man/boyhood but who wants a more nonbinary and neutral sounding word because they aren’t entirely boys or don’t want to be associated with the typical ideas brought up by the word “boy.”

Xumgender– Never being satisfied with your gender due to constant self-doubt or identity issues, causing one to compulsively search and seek out something that fits as perfect as possible–to find “the gender” or “the one truth“–though one will never be found due to one’s neurotype, because words will never be able to describe it, and/or its own properties paradox itself. This frequent anxiety and doubt even causes this gender to feel imperfect to the individual.

Zodiacgender– A catch-all gender term that is used to describe when one’s gender is related to a (or their specific) zodiac sign.

The Forest of "gender"