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Ethical Lessons on Principled Parenthood in the Film “A Thousand Clowns” (2004) – Essay by G. Stolyarov II

Ethical Lessons on Principled Parenthood in the Film “A Thousand Clowns” (2004) – Essay by G. Stolyarov II

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The New Renaissance Hat
G. Stolyarov II
July 29, 2014
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Note from the Author: This essay was originally written in 2004 and published on Associated Content (subsequently, Yahoo! Voices) in 2007.  I seek to preserve it as a valuable resource for readers, subsequent to the imminent closure of Yahoo! Voices. Therefore, this essay is being published directly on The Rational Argumentator for the first time.  
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~ G. Stolyarov II, July 29, 2014

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Raising a child into a competent, intelligent human being is no light task. It is necessary to imbue the child with a sound system of values, but also to prevent his perpetual dependence on external authority for answers and guidance. The two aims need not be antagonistic and can reinforce one another, as the upbringing of Nick Burns by his uncle, Murray Burns, in the 1965 film A Thousand Clowns demonstrates. Murray is able to endow Nick with a moral framework that guides Nick’s further judgments, but he does so in a non-intrusive manner that suggests rather than commands. The plot of the film demonstrates how this approach can produce an integrated person who triumphs over the obstacles posed by the dominant society.

Nick’s entry into Murray’s home occurred at the age of five, when his reckless vagabond mother abandoned him there. Due to his presence under Murray’s guardianship since such an early age, Nick’s upbringing is almost entirely determined by Murray. This is not to say that Nick is stifled or deprived in any manner. Formerly a child living on the streets with his mother, Nick now enters a special school for talented children, and is able to retain his place there for many years. There is no doubt that Murray’s acumen, wit, spontaneity, insight, and individualistic courage permeated Nick’s experiences from an early age, and that Nick absorbed these qualities. Nick’s dialogue within the film is indicative of a sophistication that one does not typically find in a twelve-year-old. When Nick and Murray walk through New York City on Irving R. Feldman’s Birthday, a holiday that Murray had invented, Nick earnestly addresses Murray with respect to the latter’s unemployment. He presents realistic concerns about the future of his upbringing, Murray’s financial security, and the very ability of the two to remain in the same household. Nick has a foresight into matters of consequence that approaches that of an adult. While other kids his age would “live for today” and simply enjoy themselves during a day on which they had skipped school and were able to enjoy a walk across town, Nick is able to extract the best from both worlds. After he raises his concern, he is still able to visit the Statue of Liberty with Murray and enjoy the unique and magnificent sights that Murray is able to show him. Nick’s upbringing has allowed him to exhibit an integrated personality, combining serious thought with pleasure. He is not a young Albert Amundsen, who “talks as if he had written everything down beforehand,” but is unable to realize to a bond of joy can exist between two people, outside mere “practicality” and adherence to societal norms. At the same time, Nick is also more practical than Murray himself, as the latter tends to lean toward enjoying himself at the present moment while compromising long-term security.

How was Murray’s upbringing able to produce a person more adult and more reasonable than Murray himself? A part of the answer lies in Murray’s laissez-faire approach to parenthood. Unlike a majority of parents, who establish stringent guidelines for children with regard to the smallest minutiae, Murray allows Nick immense free rein. Until the age of thirteen, Nick is allowed to go by whatever name he pleases, as he tests varying roles and identities in order to find out which one will suit him best when he becomes “an actual person.” Murray does not want his nephew to become a mirror image of him; instead he “[wants] him to know the special thing that he is; [he wants] him to see the wild possibilities.” Since Murray recognizes the need to raise Nick as a unique and unprecedented individual, his approach is not one of domination, regulation, and imposition, but of suggestion, demonstration, and camaraderie. Murray does not intervene in Nick’s schooling; he is confident that Nick is capable of managing his own formal education. Indeed, Nick performs well in his special school without being unnecessarily obsessive about his learning. He is able to skip school on special days, such as Irving R. Feldman’s Birthday, in order to share much-valued time with his uncle. In the modern culture, the compartmentalization of education into a separate rigid sphere of existence prevents most typical students from spending adequate amounts of time with their family, but Nick has learned to “own his days and name them.” He will not permit schedules and routines to intervene with the people and things genuinely valuable to him.

Though Murray allows Nick’s schooling to follow its own path, Murray, too, acts as a teacher for Nick in vital matters of principle, ideas and phenomena that cannot necessarily be taught in a classroom. During Irving R. Feldman’s Birthday, Murray points out to Nick the gray masses of people rushing off to work, pushing to enter a bus, running desperately to catch the next train and meet someone else’s schedule, being mired in a routine that prevents them from living life on their own terms and in accordance to their own principles. Murray shows Nick a scenario and allows Nick’s observations to determine his conclusions; it is a far more effective method of teaching than the common “When I tell you something, believe it!” approach. Murray is able to share his values and impressions of the world with Nick without forcing Nick to adopt them. They merely become matters for Nick’s consideration, but Nick, like an adult, is given the authority to analyze them on their own merits. Because Nick is granted the responsibility typical of an adult, he is able to think like one and interact with the world as every man’s intellectual equal, not a subordinate.

The culmination of Murray’s upbringing of Nick manifests itself when Chuckles the Chipmunk enters their home in an attempt to persuade Murray to return to work. Rather than being tactful, Chuckles seeks to psychologically dominate Murray and Nick. He carries in a cardboard statue of himself and, when it falls, forcefully urges Murray to put it up once more. He thrusts corny and uninteresting remarks at Nick and expects Nick to laugh due to the sheer weight of Chuckles’ authority. Nick, however, frankly admits that Chuckles’ jokes and routines are not humorous. Though he wishes that Murray would find a job, he does not wish for Murray to take this one. Chuckles calls Nick a “freak” simply because Nick does not display the deference that Chuckles receives as a societal norm. But, after Nick resists the label placed upon him and nearly forces Chuckles out of the apartment, the Chipmunk begins to assume a more respectful posture. He informs Murray that his show has suffered without Murray’s writing, and that Murray would be an integral component of the program. Rather than acting with pseudo-superiority and condescension toward Murray, Chuckles begins to treat him as an equal, and Murray accepts the job offer. In the meantime, he can be content knowing that he has taught Nick the individuality and devotion to principle that he intended to transmit. Earlier, Murray states to Sandy Markowitz that he wants Nick to “understand the sneaky, subtle, important reason he was born a human being and not a chair.” Now, Nick has fully demonstrated his non-chairness. He will not be sat on by those who expect him to bear their burden. He will not feign his emotions or his moral sanction simply to be polite to those who do not give him the same courtesy in return. He will analyze each situation on its own merits, rather than on his society’s expectations of conformity to this social worker or that Chipmunk. And he will meet with courage and dignity whatever challenges the society poses to him.

Indeed, challenges to Murray’s relationship with Nick abound. When Albert Amundsen enters Murray’s home, accompanied by Sandy Markowitz, he already carries orders from the Child Welfare Board to confiscate Nick from Murray. His job is merely to inform Murray that this is the case, not to give Murray any authority in deciding otherwise or interacting with Amundsen on an equal level. But rather than be the quiet, complacent, and somewhat miserable child that Amundsen expects Nick to be, Nick acts jovially, telling jokes and stories about his genuinely satisfying relationship with Murray. Sandy, despite Albert’s strict reprimands against such conduct, begins to laugh, as she is genuinely entertained by Nick’s conduct and personality. She becomes convinced that there is no reason to separate Nick from Murray, as both seem to be satisfied with their relationship.

The audience is moved to ponder the idea that a dominant paradigm’s expectations of a “good” household may not hold or be necessary in every individual case. A “parent” need not work from 9 to 5 in order to provide a beneficent environment for his child. And if he does work, he need not grovel before authority in order to receive his paycheck. Moreover, elements outside the financial realm play a crucial role in the sound upbringing of a child. Nick is able to receive both learning and leisure, work and play, under Murray’s care. Amundsen informs Murray that his “is a distorted picture of this world.” However, when comparing Nick to a self-evidently absurd character like Chuckles, who “keeps touching [himself] to make sure that [he] is real,” but who would likely fit Amundsen’s characterization of a “sound” member of society, one must seriously question the validity of Amundsen’s statement. While Chuckles is not even sure of his own existence, and Sandy, when she is under Albert’s aegis of “societal respectability,” has not “the slightest idea of who [she is],” Nick moves firmly toward establishing a unique, colorful, principled identity. Nick, no matter what name he will go by, is sure never to become just a series of different facades put before each person he meets, devoid of personality and self-esteem. The individual that is Nick does exist; this is not a matter of doubt either for Nick or for the viewers of the film.

The ending of A Thousand Clowns is indicative of victory for Murray’s relationship with Nick. Murray returns to work, which foretells his ability to continue to provide for Nick materially, while not compromising his principles intellectually. Because Nick has refused to show deference to Chuckles, the latter agreed to approach Murray as a human being and not a chair. Murray is thus able to work on his own terms, and to be certain that Nick has become his own person. The objections of the Child Welfare Board to Murray’s continued guardianship over Nick have now become null and void, as Murray, with Nick’s indispensable help, has demonstrated that one need not conform to the norms of conduct put before him in order to live and prosper, soaring like an eagle far above the realm of the mundane, mediocre, and perfunctory.

The Devastating Effects of Collectivism and Affirmative Action in India (2003) – Article by G. Stolyarov II

The Devastating Effects of Collectivism and Affirmative Action in India (2003) – Article by G. Stolyarov II

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The New Renaissance Hat
G. Stolyarov II
July 26, 2014
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Note from the Author: This essay was originally written in 2003 and published  on Associated Content (subsequently, Yahoo! Voices) in 2007.  I seek to preserve it as a valuable resource for readers, subsequent to the imminent closure of Yahoo! Voices. Therefore, this essay is being published directly on The Rational Argumentator for the first time.  
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~ G. Stolyarov II, July 26, 2014

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In a milieu of collectivistic perceptions, the most thoughtful and aspiring individuals are always sacrificed to the demon of stereotype. India is plagued today by a system of reservations and affirmative action which, from the university to the workplace to the parliament, establishes quotas and preferential treatment for so-called “backward castes” and “other backward castes” (OBCs) for no reason but that of their caste status and their ancestors‘ oppression by the millennia-old caste hierarchy.

Caste-consciousness in the past had precluded aspiring lower-caste individuals from holding occupations beyond the menial and repulsive, such as street-sweeping, manual toilet-cleaning, and funerary work. Education had been withheld from them by force, and it was thought better, in the words of the god Krishna, “to do one’s own duty poorly than to do another’s duty well.”

This notion of deterministic duty, the opposite of self-determined volition, is the key to any collectivist system which seeks to ingrain an individual’s “place in society” into him. Today, the official direction of collectivist prejudice has been inverted, but its essence, rooted in caste-consciousness, remains the same. In the words of author Shashi Tharoor, in today’s India, “you cannot go forward unless you are a Backward.” The Federal Government reserves 50 percent of parliamentary seats and university positions for lower castes, while numerous state governments have raised the bar to 80 percent.

In 1992, when the affirmative-action system rose to that degree, tens of top university students born into “upper castes” but never personally conducting any crime of institutionalized discrimination committed suicide by self-immolation in outrage that their prospects for future prosperity had been robbed from them by collectivist quotas. Intellect, character, and determination are discarded in any system of institutionalized collectivism. Either one is barred from advancement as a member of a traditionally inferior group, or as a member of a traditionally superior group, in favor of the traditional “victim” group.

The only proper means of resolving India’s caste conflict, as well as the turmoil present within any culture of “reverse discrimination” is to abolish all institutional considerations of circumstantial collective identity, including race, caste, and socioeconomic background. If an individual’s education, career opportunities, and relationships with his colleagues are to be determined by personal qualities, such as industry and character, those shall become the emphasis of the individual’s attention, the jewels which he shall have to offer instead of the oppressor or victim status that would have elevated him in a collectivist society.

 

Commonly Misunderstood Concepts: Education (2009) – Article by G. Stolyarov II

Commonly Misunderstood Concepts: Education (2009) – Article by G. Stolyarov II

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The New Renaissance Hat
G. Stolyarov II
Originally Published October 3, 2009
as Part of Issue CCX of The Rational Argumentator
Republished July 24, 2014
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Note from the Author: This essay was originally published as part of Issue CCX of The Rational Argumentator on October 3, 2009, using the Yahoo! Voices publishing platform. Because of the imminent closure of Yahoo! Voices, the essay is now being made directly available on The Rational Argumentator.
~ G. Stolyarov II, July 24, 2014
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There are several terms that are commonly misunderstood in most contemporary societies, with devastating consequences. Among these are “education,” “health care,” “employment,” “wealth,” and “happiness.” In this series, I hope to dispel – one by one – common fallacies surrounding these terms and to replace them with truer, more life-affirming understandings.

Education is the first colossally misunderstood term that I would like to address – as misunderstandings of it create massive societal problems where none need exist, and at the same time blind many people to genuine, but oft-overlooked problems.

Dictionary.com defines “education” in several ways:

1. The act or process of imparting or acquiring general knowledge, developing the powers of reasoning and judgment, and generally of preparing oneself or others intellectually for mature life.

2. The act or process of imparting or acquiring particular knowledge or skills, as for a profession.

3. A degree, level, or kind of schooling.

4. The result produced by instruction, training, or study.

5. The science or art of teaching.

Already the multiple possible meanings impart some ambiguity to the term. Clearly, acquiring general knowledge and developing the powers of reasoning and judgment are not the same as attending a school. Many a person has attended schools – even elite schools – and learned scarcely anything at all. While the dictionary writers at least take care to distinguish the different uses of the term “education,” a more commonplace tendency in today’s world is to package all the meanings together and to consider them inextricable from one another.

It is thus that the obsessive emphasis of contemporary societies on formal schooling operates. Abuses of the term “education” lead to a belief that schooling is both necessary and sufficient for learning, as if sitting in a classroom with thirty other similarly ignorant people is indispensable for attaining knowledge, but will also magically impart this knowledge to everyone involved.

I will preface further discussion by emphasizing that I have probably gotten the most out of formal schooling that an individual could hope to get. I was valedictorian of my class in high school and salutatorian in college, where I pursued three majors. And yet, in retrospect, I find that my best learning had always been self-initiated and self-motivated – and that I could not have succeeded in school without the effort I put in to acquire knowledge on my own.

Equating education with formal schooling is not a harmless idiosyncrasy; it is both expensive and costly. The equation of education with formal institutions leads to the demand to spend vast amounts of money on such formal institutions – as if dollars spent could purchase motivation, curiosity, and initiative. Conventional institutionalized schooling also makes substandard use of the most formative time in an individual’s life – the time when that person’s mind forms the habits and connections that shape both learning and character for decades into the future. Literally hundreds of millions of young people spend the vast majority of their time sitting behind desks, walking in lines, and being confined to “restricted areas” within school buildings, when they could much more readily utilize their talents elsewhere.

One problem with the model of Western public schools is that it creates a one-size-fits-all standard to which every student is expected to conform. The teacher can typically only do one thing in the classroom at a time. Teachers generally have no choice but to gauge the average level of knowledge and skill in the class and to teach primarily to that level. The students who know the material already or who grasp it more quickly have their time wasted; the students who do not follow as quickly as their “average” peers are often left behind. And the “average” students – to be quite blunt – generally do not learn particularly much, certainly not enough to justify forgoing twelve to sixteen years of their lives.

The second problem with Western public schools is that they segregate individuals by age groups, separating young people from those who are most qualified to give them an education – their elders – people whose experience exceeds that of the young people by anywhere from a few years to a few generations. Within public schools, and to a degree within universities as well, most young people are barely aware of anything beyond the immediate, pressing concerns of their own age group; few learn to expect the major transitions that are about to come in virtually all of their lives, and few absorb the skills needed to handle such transitions successfully. Within a peer group for which there exist no serious role models who have actually accomplished something, the lowest common denominator tends to prevail. This is, in part, why reckless, self-destructive, and delinquent behaviors among young people are so common in the West today.

The third problem with Western public schools is the manner in which uniform curricula tend to stifle the development of individual agendas of learning and curiosity in general. The teacher is paid to lecture on a certain predetermined subject material; if a student asks an interesting but tangential question, the teacher – even if he favors curiosity – must often suppress the inquiry for fear of lacking the time to do the job for which he was paid. At the same time, other students may not be interested in the same tangential questions, but might have other questions of their own; it is simply not possible to address all the questions and actualize all of the vast potential of every individual within the standardized structure of a classroom.

The fourth and most disturbing problem of public schools arises from the fact that the best children and teenagers are herded together with the worst: the bullies who mercilessly inflict every kind of petty and not-so-petty abuse imaginable on those who are better than they – for the very fact that their victims are better. Bullying creates an atmosphere of fear, stifled ambition, and anti-intellectualism – even among many students who would never engage in bullying themselves. Bullying – both of the physical sort and of the “softer” verbal sort that happens so often via the cliques and popularity contests that emerge in the schools – is the enforcement mechanism for conformity to the lowest common denominator. Its product is the unthinking acceptance by millions of young people of the latest fads, the most careless risks, and a complete unawareness of their future potential.

It is true that formal schooling could work in some cases – where every student is already reasonably knowledgeable, motivated, and respectful of others. A university course where each student desires to delve deeply and earnestly into the subject matter is a good example of this. But even universities today have become populated with students who neither need nor deserve to be there – all a result of government subsidies fueled by a mistaken perception that college and university educations are needed for even the most routine clerical jobs. As a result, the universities are rapidly succumbing to the same kinds of intellectual apathy, lowest-common-denominator teaching, and reckless behavior that have long plagued the public schools. The term “student” no longer carries a connotation of great honor and respectability, as it did even a century ago. Instead, everyone appears to have a Bachelor’s Degree these days, and to have trouble finding work at a fast-food restaurant with one. In an effort to remedy this, the best and brightest are often pigeonholed by public opinion into attending graduate school, even though many of them have little interest in subsequently becoming academicians. By the time they leave graduate school, they are already in their late twenties, almost certainly poor, and likely in severe debt. Misguided overvaluation of formal schooling has prevented aspiring lawyers and doctors from simply taking the bar and medical exams whenever they wished and receiving their licenses if they passed the rigorous exams. Instead, protectionist professional associations – the white-collar equivalent of labor unions – have collaborated with academia to make the expenditure of hundreds of thousands of dollars on formal schooling a requirement prior to even being allowed to take these exams. The ideal of a meritocracy or natural aristocracy of talent has been replaced by the ideal of the pecking order of seniority and pull, where one must grovel and pay in hopes of someday – probably only when one’s health begins to fail – receiving the groveling and payments of others.

At the same time, societal attitudes make formal schooling a virtual requirement for self-esteem. Many bright, talented individuals who could accomplish tremendous feats if they entered a trade in their early teens are pressured to feel inferior and incompetent until they have served their time. In truth, they have nothing to feel substandard about. Formal schooling is not a requirement for knowledge, skill, or good character; it is not a substitute for entrepreneurial insight, creativity, or determination. It cannot make a person a success or prevent failure. It cannot teach a person anything he could not teach himself. It is not needed as a proof of a person’s competency, nor as a requirement to get a job. Most of what a person does for a living is learned through the experience of doing it – and schooling requirements simply serve as arbitrary barriers to deny some the opportunity of getting this experience.

Formal schooling, to be sure, has its uses – especially for training the academicians and other intellectuals of the next generation. But it would only be strengthened in this role if educational institutions did not have to deal with the people who do not need to attend them and whose education can be achieved spectacularly without them.

Read other articles in The Rational Argumentator’s Issue CCX.

How to Fail a Class of Any Kind (2007) – Article by G. Stolyarov II

How to Fail a Class of Any Kind (2007) – Article by G. Stolyarov II

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The New Renaissance Hat
G. Stolyarov II
July 20, 2014
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Note from the Author: This satirical article was originally published on Associated Content (subsequently, Yahoo! Voices) in 2007.  I seek to preserve it as an entertaining but didactic resource for readers, subsequent to the imminent closure of Yahoo! Voices. Therefore, this article is being published directly on The Rational Argumentator for the first time.  
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~ G. Stolyarov II, July 20, 2014
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Results Guaranteed, or Your Money Back!

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Numerous online articles exist to help people who seek to pass a class or even get an exceptionally good grade in it. But, in the course of my research, I have found few reliable, comprehensive guides to failing a course. So, in the interest of those who might be seeking to learn how, I provide some assistance here. Now, granted, I have never personally failed a course, but I have seen enough people accomplish such a feat that I consider myself qualified to write about it. So here it is: a guide to failing a class in any kind of subject and any type of educational institution.
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The first thing to understand about failing a class is that it is extremely difficult to do. You must really work at it in order to accomplish this goal! After all, rarely do teachers in the public schools or universities give F grades anymore. Simple lack of knowledge of the content will no longer suffice to earn you a failing grade; it might get you a C or a D, if you are lucky. This traditional approach to failing a course is even less reliable these days because numerous instructors grade on a curve. If it so happens that most of your classmates are more ignorant on the subject than you are, then you might even end up with a B or A-, in which case your efforts to fail the course will probably be irreversibly frustrated.

But fear not! Failing a class can still be done, if you work hard enough at it. Here are some tips about how you, too, can lead the glorious life of an academic underdog.

1. Cheat, and cheat often! Most educational institutions these days have a zero tolerance policy for academic dishonesty. This is the route to go for quick, efficient results if you seek to fail a class. You might even be suspended from the school, which translates into some wonderful free time! The best ways to cheat are blatant and obvious ones. When there is a test, stand up out of your seat, walk to the student next to you, and wait until he puts down his pen and takes a moment’s pause from writing. Then grab his test, walk back to your desk, and copy every word of it, all in front of the teacher and the other students. In most cases, other students will not let you cheat off of them, since they will be conscious of the fact that the school’s academic dishonesty policy will also hold them liable in that case. But if you follow this advice, the other student will have no choice but to let you commit the infraction; he will have been coerced into it.

Extreme plagiarism is another possible route to cheating, especially for those who are shy about making a public scene. Whenever you are assigned a paper on any subject, Google that subject and copy the first search result, word for word. You will be virtually guaranteed that the teacher will be able to look up the same page you found within minutes and discover your plagiarism. Alternatively, you can simply choose to omit standard punctuation in your bibliography, or use MLA style when APA style is called for, or vice versa. These days in academic institutions, using the wrong format for your Works Cited page is almost as severely punished as plagiarism.

If you have ethical scruples about committing academic dishonesty, just give yourself a little inspirational talk in front of the mirror every morning. Repeat three times, “I, too, can be a cheater!” Remember that an early start into the field of immorality is virtually required to have a successful career as a professional gangster, pop idol, pyramid-scheme advertiser, or politician.

2. Never attend class. You cannot be aware of material discussed in class if you never go there; furthermore, you will have the advantage of not knowing what homework was assigned and what reading material you ought to study. This is a failure-proof method of failing the class, unless your school or college automatically withdraws you from it for lack of attendance. Resist the temptation of asking your friends about the proceedings in class or doing independent research into areas related to the subject matter. Remember that it is difficult to fail a class these days while retaining the slightest bit of moral reservation about your goal.

3. Go to raucous parties every night. At the parties, drink vast quantities of alcohol. When you come to class next day, you will be intoxicated out of your mind, which will safeguard you against any relapses of conscientious listening and class participation. Even if you really want to answer a question, you will be unable to. As an added bonus, you might be suspended from the educational institution for being under the influence of alcohol.

4. When taking multiple choice tests, pick a letter and stick to it! Always circle that letter as your answer of choice for every question. If there are four possible choices for each question, then your expected percentage of correct answers is 25% – well into the F range. If there are five possible choices, you can do even better with an expected grade of 20%. For more advanced multiple choice tests, where there might be more than one correct answer per question, you might even get away with grades in the single digits!

5. Sleep in class. If you cannot overcome your conscience and absolutely must attend class, at least try not to be awake for it. If you are, you might just learn something against your best attempts. Consider staying up the entire previous night in order to fall asleep with less difficulty when class is in session. Remember to choose the remotest corner of the class to sit in, possibly behind tall people who obstruct the teacher’s view of you. Otherwise, you run the risk of being awakened and, once again, learning something.

6. Always procrastinate. As a matter of fact, never turn in those assignments at all! Wait until the grade penalties for late work accumulate to the point where you get a zero grade on all your work; then, you will have failed the class without even needing to exert any effort! Once you fail your first course, you will be well on your way to a bright future. Remember that your personal merit, hard work, and knowledge do not matter at all in the real world; success is based purely on luck, or on exploiting those people who do work diligently and honestly. Just sit back, engage in your share of parasitism off the accomplishments of others, and wait for genuine success and happiness to come to you! It’s that simple, though most people are far too bound by conventional Western meritocratic prejudices to understand or implement it. If you become an outstanding failure, perhaps I will write your biography someday.

How to Study for a Test: Principles from a Successful Test-Taker (2007) – Article by G. Stolyarov II

How to Study for a Test: Principles from a Successful Test-Taker (2007) – Article by G. Stolyarov II

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The New Renaissance Hat
G. Stolyarov II
July 19, 2014
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Note from the Author: This essay was originally published on Associated Content (subsequently, Yahoo! Voices) in 2007.  I seek to preserve it as a valuable resource for readers, subsequent to the imminent closure of Yahoo! Voices. Therefore, this essay is being published directly on The Rational Argumentator for the first time.  
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~ G. Stolyarov II, July 19, 2014
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Perhaps you are looking to ace a standardized test. Or you want to get an A in an Advanced Placement (AP) high-school course or a challenging upper-level college course. Getting a high score on any test can be considered a skill in itself – apart from knowledge of the subject matter being tested. In fact, many people who are otherwise great learners and know a subject in detail tend not to score as well on tests as they could. If you are one of those people, here are some helpful suggestions as to how to improve your performance. These principles have helped me – among other things – to obtain an SAT score of 1580 (under the old system), an ACT score of 35, straight A grades throughout Advanced Placement courses and other classes in high school, as well as straight A grades in undergraduate college courses. I do not mention this to boast of my talents, as I do not consider myself to possess any exceptional abilities inaccessible to anyone reading this article. You can do what I did – honestly and genuinely – if you follow the proper techniques.
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First, remember that every instructor and testing organization has certain patterns or modes of functioning that you can expect and anticipate. Sometimes the teacher or organization might not even be aware of these modes of functioning. They are just the ways of doing things that seem natural to the teacher or the people in the organization: ways that fall in line with their habits, general personality, expectations of students, and evaluation of what is important in the subject matter. Nonetheless, these modes of functioning manifest themselves quite systematically, and they affect the tests designed by that instructor or organization.

There is no a prior way to know what these tendencies are; you will simply have to watch the teacher or organization for patterns. If you are dealing with a large institution that puts out standardized tests, you will have a substantial body of prior exams to analyze for patterns. Ask yourself: what kinds of questions tend to occur most often? What is the prevalent format of the questions? What are the skills that tend to be tested most frequently? Unless large departures from prior procedure are explicitly announced and publicized by the testing organization, you can be sure that future tests will be extremely similar to past tests. Having examined past tests sufficiently, you can be sure to have a vast pool of data at your fingertips, hinting to you what you should concentrate on most in your preparation.

If you are studying for a test from an instructor you know, you have other helpful indicators to guide you along in your studying. If the instructor emphasized certain topics in class repeatedly, you can be sure that they will be tested. If the instructor states that the test will be over a certain section of a book-but he did not cover all the material in that section – focus on the material that he did cover; he likely considers that material to be more relevant than the material he omitted. If in doubt, ask the instructor for additional clarification; you might not always get an answer, but you will be surprised at how receptive most teachers and professors are to clarifying what you will need to study.

Take detailed notes during the class lectures; do not rely on your memory alone to understand the class material. You can be following the instructor perfectly in class and forget everything he said a few days later. Having notes on everything he said will give you a reliable study aid for the exam-one of the most important aids you can get. The notes will help you recall anything you forget later; they are also an excellent way of figuring out what is likely to be tested. The night before the exam, review all the notes so that the material is fresh in your mind. In the meantime, try to develop a technique for taking notes more efficiently, so that you can record all the essential things an instructor says and writes on the board, at the rate at which he says and writes them. Learning a system of shorthand or developing your own will assist you greatly in obtaining accurate transcripts of classroom lectures.

Use your time efficiently; remember that it is possible for you to work really hard at learning interesting material that has little relevance to the exam. If you enjoy learning for learning’s sake, more power to you. I, too, like to accumulate knowledge for pleasure. However, do not consider time spent in this fashion as studying for the exam in question. The primary purpose of studying for a test is not to expand your knowledge base – though that may be a secondary consequence. It is, rather, to give you the highly limited and specific ability of answering the fairly narrow range of questions a given test might contain. If approached properly, this can be a far narrower task than the accumulation of general knowledge about anything; thus, it can be a task that can be accomplished in several hours as opposed to several months. Becoming more knowledgeable is not something you can effectively do the night before an exam; you should have been doing it since the beginning of the course or several months in advance of a standardized test. The purpose of intensive studying is much more immediate; it is to get you ready to face the specific challenges with which the test presents you. You probably already know a lot more about the subject being tested than you imagine. The key to success on the test is to be able to express your knowledge in the proper format.

In general, you will be well on your way to success if you approach at studying for the test not as a body of knowledge to be learned, but as a task to be completed. To understand this better, consider an analogy. Learning all you can about tables and actually making a table are two quite distinct endeavors. Studying for a test is more like making a table. If you do it right, you can not only be sure that you are spending your study time in a manner that will actually help you; you will eventually be able to accurately determine when you have studied enough and are prepared to take the exam – just like if you were making at table, you would know it if you were finished. Then you will be able to approach the exam confidently and rationally, knowing that you are well equipped to earn some of the highest grades possible.

Conciseness on Actuarial Essay Exams (2010) – Article by G. Stolyarov II

Conciseness on Actuarial Essay Exams (2010) – Article by G. Stolyarov II

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The New Renaissance Hat
G. Stolyarov II
July 11, 2014
******************************
This essay, originally written and published on Associated Content/Yahoo! Voices in 2010, has helped many actuarial candidates to prepare for essay exams. I seek to preserve it as a valuable resource for readers, subsequent to the imminent closure of Yahoo! Voices. Therefore, this essay is being published directly on The Rational Argumentator for the first time. 

***
~ G. Stolyarov II, July 11, 2014
***

Upper-level actuarial exams are in essay format, requiring both conceptual discussions and extensive calculations to answer 30-50 questions within a 4-hour timeframe. Even for highly knowledgeable candidates, the sheer time constraints of the exam render it difficult to respond both thoroughly and within the allotted time. Thus, conciseness, without compromising the communication of understanding, becomes a priority.

The following ideas for condensing actuarial exam responses were derived from reviewing past sample answers released by the Casualty Actuarial Society. By understanding which answers received full credit while employing certain shortcuts of presentation, I was able to arrive at ideas that, when used in combination, may save candidates tens of minutes on the exam. This time can be devoted to reviewing one’s answers or to answering more questions than would otherwise be possible. While, as an outsider to the grading process, I can offer no guarantees, I plan to personally use these approaches to the extent they are relevant.

If other actuarial candidates have additional ideas to facilitate concise, effective exam answers, I welcome their input.

1. Common Abbreviations

Many insurance concepts have generally known abbreviations that do not need to be defined unless an explicit definition is requested. On most questions, it would be safe, for instance, to assume that the grader will know what ALAE, ULAE, IBNR, IBNER, PDLD, GAAP, SAP, and terms of similarly common usage stand for.

There are also commonly used general abbreviations, such as “&” for “and”, “b/c” for “because”, “w.r.t” for “with respect to”.

2. Uncommon Abbreviations

It is also possible to define uncommon (even self-invented) abbreviations once, and use them thereafter. For instance, one could refer to “the Bornhuetter-Ferguson method (B-F)” and then subsequently state that “B-F assumes…” or “according to B-F…”.

As long as the grader understands what the abbreviations mean in the context of one’s answer, full credit should be possible.

Here is a non-exhaustive list of abbreviations that may be useful for the 2010 CAS Exam 6 in particular:

B-F: Bornhuetter-Ferguson method
B-S: Berquist-Sherman method
Cat.: Catastrophe
CL: Chain ladder
C-N: Conger-Nolibos generalized approach
Co-part.: Co-participation
Cov.: Coverage
Dev.: Developed or Development (depending on context)
G-B: Gunnar Benktander method
GL: General liability
Inc.: Incurred
Lim.: Limit
M-A: Mango-Allen adjustment
O/S: Outstanding
QS: Quota share
S-B: Stanard-Bühlmann method (“CC” for “Cape Cod method” can also be used).
SS: Surplus share (definitely define that one before using!)
U/W: Underwriting
WC: Workers’ compensation
XOL: Excess-of-loss

3. Shortcuts for Repetitive Calculations

It is possible to save time in cases where one must perform multiple calculations using the same basic formula or approach. Instead of displaying every single calculation, one could simply display (1) the formula used, (2) a sample calculation, and (3) the final results of all the other calculations.

As a non-insurance illustration, suppose you were faced with the following problem:

Find the hypotenuses of the right triangles with the following legs:
(3, 4)
(8, 15)
(9, 40)
(20, 21)

The long way to answer would be to display all four calculations. A shorter way would be the following:
Formula: c = √(b2 + a2)
Sample: √(32 + 42) = 5
Answers: 5, 17, 41, 29

The only possible drawback to this approach is that, if one makes a mistake in a calculation other than the sample calculation, the specific nature of the mistake will not be visible to the grader. It is possible that the grader will simply assume a mechanical error and therefore be lenient in giving partial credit, because the formula and sample calculation demonstrate an understanding of the ideas involved. However, it is impossible to offer any guarantees here.

4. Alternatives to Complete Sentences

While, in academic settings, answering in complete sentences is a requirement for most exams and assignments, the sheer time pressure of an actuarial essay exam renders this approach sub-optimal. A review of past exam answers that have received full credit suggests that graders do not remove points from responses that convey a candidate’s knowledge of the tested content but are written in sentence fragments.

Instead of writing in complete sentences, there are many possible alternative ways of answering, depending on the question. For instance, a question asking the candidate to compare and contrast certain aspects of Method X and Method Y might be answered as follows:

Method X: (List features of method)
Method Y: (List features of method, preferably using language parallel to what was used for Method X.)

Using a bulleted or numbered list to answer some questions may not only save time but may make it easier for the grader to identify the substance of the answer.

Chains of causation or implication may be expressed via an “→” symbol (e.g., “Writing new business → acquisition expense recognized immediately, premiums earned over time → decline in policyholders’ surplus → need for surplus relief.”

It is also acceptable to omit certain articles and to omit stating the premise of the question in the answer’s first sentence, as long as the meaning is clear. Furthermore, some instances of expressions like “that”, “then”, and “in order” may be omitted without compromising the answer’s intent.

As an illustration, I present two ways of answering my Problem S6-9-3(b): “What effect should be removed in order to evaluate development patterns correctly (Statement of Principles, p. 16)?”

Complete-sentence answer (my original): “The effect of discounting should be removed in order to evaluate development patterns correctly. If a reserve is established as a present value of future costs, then upward development may occur simply as a result of paying claims, and this may send a misleading signal.”

Condensed answer: “Effect of discounting should be removed. If reserve is set as present value of future costs, upward development may occur simply as result of paying claims → misleading signal may result.”

Again, I welcome input on these ideas and other ideas for facilitating conciseness on actuarial essay exams.

What You Need to Know for Actuarial Exam P (2007) – Article by G. Stolyarov II

What You Need to Know for Actuarial Exam P (2007) – Article by G. Stolyarov II

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The New Renaissance Hat
G. Stolyarov II
July 9, 2014
******************************
This essay, originally written and published on Yahoo! Voices in 2007, has helped many actuarial candidates to study for Exam P and has garnered over 15,000 views to date. I seek to preserve it as a valuable resource for readers, subsequent to the imminent closure of Yahoo! Voices. Therefore, this essay is being published directly on The Rational Argumentator for the first time. While it has been over 7 years since I took and passed Actuarial Exam P, the fundamental advice in this article remains relevant, and I hope that it will assist many actuarial candidates for years to come. 

***
~ G. Stolyarov II, July 9, 2014
***

This is a companion article to “How to Study for Actuarial Exam P Without Paying for Materials“.

If you desire to become an actuary, then passing Exam P on Probability is your opportunity to enter the actuarial science profession and get a starting salary ranging of about $46,000 to about $67,000 per year. But the colossal number of topics listed on the syllabus may seem intimidating to many. Fortunately, you do not need to know all of them to get high grades on the exam. In May 2007, I passed Exam P with a the highest possible grade of 10 and can offer some advice on what you need to know in order to do well.

Of course, you need to know the basics of probability theory, including the addition and multiplication rules, mutually independent and dependent events, conditional probabilities, and Bayes’ Theorem. These topics are quite straightforward and do not require knowledge of calculus or any other kind of advanced mathematics; you need to be able to add, multiply, divide, and think logically about the situation presented in the problem — which will often be described in words. Visual aids, such as Venn Diagrams, contingency tables, and the use of union and intersection notation can be eminently helpful here. Try to master these general probability topics before moving on to the more difficult univariate and multivariate probability distributions.

Next, you will need to know several critically important univariate probability distributions, including some of their special properties. Fortunately, you do not need to know as many as the syllabus suggests.

The Society of Actuaries (SOA) recommends that you learn the “binomial, negative binomial, geometric, hypergeometric, Poisson, uniform, exponential, chi-square, beta, Pareto, lognormal, gamma, Weibull, and normal” distributions, but in fact the ones you will be tested on most extensively are just the binomial, negative binomial, geometric, Poisson, uniform, exponential, and normal. Make sure you know those seven in exhaustive detail, though, because much of the test concerns them. It is a good idea to memorize the formulas for these distributions’ probability density functions, survival functions, means, and variances. Also be able to do computations with the normal distribution using the provided table of areas under the normal curve. Knowledge of calculus, integration, and analysis of discrete finite and infinite sums is necessary to master the univariate probability distributions on Exam P.

Also pay attention to applications of univariate probability distributions to the insurance sector; know how to solve every kind of problem which involves deductibles and claim limits, because a significant portion of the problems on the test will employ these concepts. Study the SOA’s past exam questions and solutions and read the study note on “Risk and Insurance” to get extensive exposure to these applications of probability theory.

The multivariate probability concepts on Exam P are among the most challenging. They require a solid grasp of double integrals and firm knowledge of joint, marginal, and conditional probability distributions – as well as the ability to derive any one of these kinds of distributions from the others. Moreover, many of the problems on the test involve moment-generating functions and their properties – a subject that deserves extensive study and practice in its own right.

Furthermore, make sure that you have a solid grasp of the concepts of expectation, variance, standard deviation, covariance, and correlation. Indeed, try to master the problems involving variances and covariances of multiple random variables; these problems become easy once you make a habit of doing them; solving them quickly and effectively will save a lot of time on the exam and boost your grade. Also make sure that you study the Central Limit Theorem and are able to do problems involving it; this is not a difficult concept once you are conversant with the normal distribution, and mastering Central Limit problems can go a long way to enhance your performance as well.

Studying the topics mentioned here can focus your preparation for Exam P and enable you to practice effectively and confidently. Remember, though, that this is still a lot of material. You would be well advised to begin studying for the test at least three months in advance and to study consistently on a daily basis. Practice often with every kind of problem so as to keep your memory and skills fresh. Best wishes on the exam.

How to Study for Actuarial Exam P Without Paying for Materials (2007) – Article by G. Stolyarov II

How to Study for Actuarial Exam P Without Paying for Materials (2007) – Article by G. Stolyarov II

Comments 24 comments
The New Renaissance Hat
G. Stolyarov II
July 9, 2014
******************************
This essay, originally written and published on Yahoo! Voices in 2007, is my most-viewed article and second-most-viewed work of all time, at over 81,600 views to date. I seek to preserve it as a valuable resource for readers, subsequent to the imminent closure of Yahoo! Voices. Therefore, this essay is being published directly on The Rational Argumentator for the first time. While it has been over 7 years since I took and passed Actuarial Exam P, the fundamental advice in this article remains relevant, and I hope that it will assist many actuarial candidates for years to come. 

***
~ G. Stolyarov II, July 9, 2014
***
Exam P on Probability, offered by the Society of Actuaries (formerly in conjunction with the Casualty Actuarial Society, which referred to it as Exam 1), is the gateway to the actuarial profession. Those who pass the exam can obtain entry-level jobs as actuaries, with salaries ranging from about $46,000 to about $67,000 per year. After some rigorous studying, I passed this examination in May 2007 with a grade of 10 – the highest possible. Here are some study materials that can help you obtain top marks on Exam P without paying a cent.
***

The breadth of material listed on the syllabus for this test is extensive, and many of the topics are tremendously complex in themselves. Fortunately not all of the topics listed are actually tested, and the kinds of questions that are asked on the exam are generally more reasonable and straightforward than the ones present in the recommended readings.

As I found out through personal experience, you do not need to spend money at all in purchasing study materials for this exam. Virtually everything you need can already be found online. The most crucial study aid is the list of sample questions from past exams, generously provided by the Society of Actuaries. Along with these questions, you will also find a list of step-by-step solutions which will enable you to check your work. For successful performance on the test, it is essential to be able to successfully solve these problems on your own and to know why you obtained the solutions you did. The problems on the exam are remarkably similar to the ones in the sample questions, so you should do well on your exam if you can solve the problems from prior tests.

In the course of my own studying, I made the mistake of purchasing Michael A. Bean’s Probability: The Science of Uncertainty: a book which does an extremely poor job at explaining the mathematical concepts required for the actuarial exam, because it already presupposes the reader’s expert knowledge of such concepts. Too often, crucial explanations and proofs are omitted from this book, to be left as “exercises to the reader”– quite a challenge for a reader who simply seeks a basic grasp of the subject!

Furthermore, the exercises in Bean’s book are not conducive to learning the essentials of the probability concepts discussed; these problems are instead so convoluted and laden with unnecessary complications as to baffle even the expert mathematician. Exam P itself is much more reasonable than that; the problems often require some thinking and multiple steps, but you will not be required to pull brilliant, esoteric insights out of thin air, as Bean’s exercises require you to do. To add to the trouble, Bean does not provide answers in the back of the book for most of his problems — thus disabling you from checking your work.

The best textbook by far for actuarial students preparing to take Exam P is Marcel B. Finan’s A Probability Course for the Actuaries, which you can download for free in pdf format. It starts with the very basics of set theory and probability and gradually works its way toward the most advanced concepts to be tested. Every section focuses on a different key idea and builds on the previous topics; there are also instructive detailed proofs, examples, and practice problems to guide you along the way. This book is available to the public and has an immense wealth of excellent resources. In preparing for the exam, I did some work for Dr. Finan in making the answer keys to the exercises in this book, which I made available in 2008.

With focus, determination, and discipline, you can do well on Exam P and achieve entry into the fascinating and lucrative world of actuarial science. And with these excellent free study materials, all you will need to invest into your education is the $225 exam fee, your time, and your effort.

Free PDF of «Смерть неправильна!» – Russian Translation of “Death is Wrong”

Free PDF of «Смерть неправильна!» – Russian Translation of “Death is Wrong”

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The New Renaissance Hat
G. Stolyarov II
June 28, 2014
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A free PDF version of «Смерть неправильна!» – the Russian translation of Death is Wrong – is now available for download from The Rational Argumentator. You can obtain your copy here and may spread it to Russian-speaking audiences as widely as you wish.

«Смерть неправильна!» was translated into Russian by Marcus Baylin.

cover_final_russian_6x9

«Смерть неправильна!» – Russian Translation of “Death is Wrong” – Translated by Marcus Baylin – Post by G. Stolyarov II

«Смерть неправильна!» – Russian Translation of “Death is Wrong” – Translated by Marcus Baylin – Post by G. Stolyarov II

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The New Renaissance Hat
G. Stolyarov II
June 27, 2014
******************************

cover_final_russian_6x9The Russian translation of Death is Wrong – «Смерть неправильна!» – generously translated by Marcus Baylin – is now available via Google Books. You can see a complete preview here.

A paperback version can be obtained from Createspace for $11.23 here.

Amazon has begun to carry the paperback version here.

For some reason, the Amazon Kindle format does not yet support Cyrillic characters, so I have instead decided to offer an electronic version through Google Play.

The electronic version will be downloadable for FREE on Google Play within the next 24 hours on this page.

You have my permission to spread the electronic version of the book to Russian-speaking audiences as widely as possible, with no strings attached.

We can also send some free paperback Russian books to anyone who is willing to distribute them to Russian-speaking children. (This offer is good while supplies last; we have resources to ship 171 copies of Death is Wrong in either English or Russian. If you are interested, e-mail me at gennadystolyarovii@gmail.com with (i) your name, (ii) your MAILING ADDRESS, (iii) your support for indefinite life extension, (iv) the NUMBER OF COPIES of Death is Wrong requested, and (v) your plan for spreading the books to children, free of cost to them.)