Amber Manning

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Hello, my name is Amber Manning and I am a Statistics major with a minor in Finance.

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Contents

Early Experience

I am currently a freshman at Northern Kentucky University (NKU). I have lived in Independence, UK my entire life and attended Dixie Heights high school. For as long as I can remember, I have always enjoyed math. My first experience with mathematics was when I was in fourth grade. That was the one subject I had always looked forward to all day long. Other students really enjoyed History and English, but not I. I always enjoyed mathematics for one reason and one reason only: there was only one, distinct answer to each problem, give or take some situations and no matter the numbers in the equation. Equations are always solved with the same formula. If you know one equation, you were set up for multiple different equations. Unlike History and English, you have to memorize every single thing individually. In mathematics, you really only have to memorize the formula and you can solve just about any problem. When I was in fourth grade, during our RTI class, I was always chosen to work on more math. A few other select students and I would always be given brain teasers that would work on our mathematics skills. Even though we were already a year advanced in math, we still were selected so that we could work on mathematics even more and get even more advanced. In sixth grade, I was in advanced mathematics with my favorite math teacher of all time. She was the one who gave me my first good experience with math, for she was the one who convinced me that sometime in the future, I wanted to do something related to math. Then, when I got into seventh grade, I went straight to eighth grade math. As the years progressed, I was still always a year ahead in math. When I entered high school, I started with tenth grade math, which was geometry. Then, by the time I was a senior, I was taking Statistics 205. Most students in my grade were still only taking pre-calculus, but I had the option to either take calculus or statistics.

Most people thought it was quite different when I chose to take statistics rather than calculus. I knew I wanted to do something involving statistics, so I thought statistics would be my best choice. I always thought probability in Algebra II was very interesting. When I decided to take statistics and found out that probability has a lot to do with statistics, I was already super excited. As the class went on, I began to enjoy this class more than any of my math classes before. It was challenging for most students, but I thought it was quite interesting. As the class went on, I began to fall in love with statistics even more.

One of my favorite things about statistics was the standard deviations and the Z-charts. With a standard deviation, just about every equation that you follow is either normal distribution or skewed to the left or right. If it was normally distributed, there was a certain equation that you could use for just about any equation, and you could then reference the graph and it will give you the answer. Another thing that really fascinated me was the z-score chart. The z-score chart used for just about everything. Every equation somehow incorporated the Z-variable, then we had to go to the table and find the number that coordinated with the chart. No one ever understood why to where the numbers in the z-chart came about . It was just a stated fact that these numbers are the numbers that are right.

This is an example of the Z score chart that a lot of equations use in order to be solved. Image:9340559 orig.png

In addition, here is the chart that many equations need to use to answer the equation if it is normally distributed. Image:Normal Distribution deviations.png

College Experience

Surprisingly enough, I actually started College as an accounting major. I had planned to take my CPA test and become a certified public accountant and work as a financial advisor. Starting to think about college, I looked into the actuary program. I had always imagine myself going to the University of Kentucky. When I looked at their actuary program, it was in their college of science and that would not be for me. Then when I decide to go to NKU, I just kept going with my initial plans to be a CPA. I just assumed that NKU's actuary program was in their college of science. Then after my first semester, I decided to reconsider my major. I ended up talking to my advisor and he brought to my attention that since I enjoyed statistics so much in high school, that I should major in statistics and it would still be possible for me to take my actuary tests. I knew then right away that that is what I was going to do. So far it has gone pretty well. Next semester is when I truly start taking my major related courses.

What is Next?

After I finish classes at NKU, I am going to try to take an internship before I graduate. I am already a semester ahead so this gives me the perfect option to do so. After that, I plan to take my seven actuary tests. When I do this I hope to work for a local business. I want to provide them with statistical evidence as to whether or not they should take certain risks or not. I also hope to have a minor in finance. I have thought about going and being a personal financial advisor since this is still something that is very interesting to me and is something I want to do in the long run.

Math in Everyday life

One thing I never realized before taking statistics, was that you use it quite often. Even when you don't think you are using it and you're not using the formal equation, still every single time you decide to make a decision, your brain goes through the process of which they are trying to figure out which decision choice would have the least risk factor. In general this is the moral entirety of statistics and an actuary. Even probability has a lot to do with statistics. I still remember on Christmas this past year, me and my whole family was playing a dice game with my grandpa. He handed us four dice and told us to pass them around in a circle and we had to start off by getting four of a kind. My dad and I were standing next to each other. The whole entire time we were sitting there trying to figure out the probability of people rolling all the same number for all four dice. Then we ended up going down to three dice because nobody could get four of the same number. Then, we just continue to go on and determine the probability of people rolling three of the four dice the same number. Even though it was Christmas, and we didn't even realize we were doing statistics. Statistics is all around us but nobody really acknowledges it. Just because you don't do the formal equations to figure out the risk factor, you still go through the same kind of process in your head. Mathematics is never use just one way, it can be all around us and used in many different ways.

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