Registrato: 25/12/17 09:59
|The only certain thing in life is that few things are certain No matter what a sensible and cautious life you attempt to lead , you always have to anticipate the unanticipated. You might get out of bed one morning, have a cup of joe, kiss your loved one goodbye and leave for work… merely to be involved in a horrible car crash when you leave your driveway.
We all make the mistake of attempting to leave things for later. Yes dear, I will go to the doctor to look at my nasty cough tomorrow. Fear not, that noise on the front wheel of the vehicle does not sound too serious, I will have it looked at in a few days. Or I will get a number of insurance car quotes next week, what’s the hurry?
The fact is that the nasty cough might be serious, tomorrow may well be a day too late The noise on the front wheel may possibly cause a nasty accident before next week and waiting to obtain insurance car quotes somewhere down the road might be the most self-centered decision you’ve ever made
Obtaining insurance car quotes and then identifying which policy will meet your needs and requirements best, is really not a difficult or time consuming thing to do. Many individuals use the excuse that they don’t have time to drive to an insurer and sit there for several hours while the agent tries to sell them every policy and add on in the book Fortunately, times have changed and it’s time to wake up and smell the trouble-free insurance quotes
One of the easiest, fastest and most convenient ways of obtaining insurance car quotes is by simply having a seat in front of your laptop computer or desktop pc Navigate to your favourite internet search engine and type the words “car insurance quote” or “cheap car insurance quote” in the search box and voila, you will be rewarded with pages and pages of insurance companies to choose from You can then simply navigate to the individual websites of a couple of insurance firms and have a look at the services on offer. While you’re logged on to the internet you can also visit one of the many insurance portals available. These insurance portals have made finding insurance car quotes a whole lot easier than before Simply complete your detailed prerequisites once, push the submit button… and relax Your details will then be forwarded to between 5 and 10 insurance companies and before too long you will be receiving telephone calls and emails from the various insurance firms with more info on what they can offer you.
If the web is still unfamiliar territory, you possibly can make use of an insurance broker. An insurance broker is there to act as middleman between the insurance company and the client. The main advantage of making use of a broker is that they are experts in their fields and will generally offer you a wide range of products from different insurance providers to choose from.
Obtaining car insurance quotes is quick and effortless – contact your broker or visit an insurance portal today
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The word ‘kurtosis’ comes from a Greek word meaning ‘humped’. In statistics, it refers to the degree of flatness or peakness in the region about the mode of a frequency curve. Two or more distributions may have identical average, variation and skewness, but they may show different degrees of concentration of values of observations around the mode, and hence may show different degrees of peakness of the hump of the distribution. Kurtosis is the 4th central moment. This is the “peakness” of a distribution. It measures the extent to which the data are distributed in the tails versus the center of the distribution. There are three types of peaks.
o Leptokurtic- very peaked
o Platykurtic – relatively flat
o Mesokurtic – in between
A frequency curve that is a normal curve. When the distribution is normally distributed, its kurtosis equals 3 and it is said to be Mesokurtic.
A frequency curve that is more peaked than the normal curve. When the distribution is less spread out than normal, its kurtosis is greater than 3 and it is said to be leptokurtic.
A frequency curve that is flat-topped than the normal curve. When the distribution is more spread out than normal, its kurtosis is less than 3 and it is said to be Platykurtic.
Calculation of Kurtosis
The Mesokurtic, leptokurtic and Platykurtic are qualitative and subjective. The kurtosis of a set of data is measured with the following statistic.
Collectively, the variance (s2), skew (s3), and kurtosis (s4) describe the shape of the distribution
The larger or smaller value of the kurtosis, the more peaked is the density function. Excess kurtosis measures the degree to which a density function is more or less peaked relative to a standard normal distribution, which has kurtosis equal to 3. The excess kurtosis measure is centered such that it equals 0 for the standard normal distribution. A probability density that has positive excess kurtosis is referred to as being leptokurtic. If excess kurtosis is negative the probability density is referred to as being Platykurtic. If excess kurtosis is zero, so that the probability density has the same excess kurtosis measure as a standard normal distribution, it is re.