Basic Statistics on Car Insurance in the United States

Did you know that on a November 2008 report from the National Association of Insurance Commissioners, or in short the NAIC, that in the year 2006, the average cost of automobile insurance declined by 1.7 percent. And in this report the National Association of Insurance Commissioners mentioned the top five states where there is the highest average expenditures are the following: first the District of Columbia with the average expenditure of $1,164, next is New Jersey with $1,152, followed by Louisiana with $1,094, New York with $1,083 and fifth is the state of Florida with $1,069. And the average expenditure for auto insurance in the entire country of the United States of America from the tear 1997 to year 2006 are the following: year 1999’s average expenditure was $705, 1998’s was $703, 1999’s was $685, 2000’s was $690, 2001’s was $726, 2002’s was $786, 2003’s was $830, 2004’s was $842, 2005’s was $831 and for year 2006’s average expenditure was $817.

Here are the top ten states with the most expensive and the least expensive auto insurance in the year 2006. For the top ten states with the most expensive car insurance are as follow: first state with the most expensive car insurance is the District of Columbia, second is the state of New Jersey, followed by Louisiana, New York, Florida, Massachusetts, Rhode Island, Delaware, Nevada and the tenth state with the most expensive car insurance is the state of Connecticut. And for the top ten states with the least expensive car insurance are the following states: the state with the least expensive or cheapest car insurance is in the state of North Dakota, second cheapest car insurance is in the state of Iowa, followed by state of South Dakota, Idaho, Kansas, Nebraska, Wisconsin, North Carolina, Indiana, and on the tenth state with the cheapest car insurance is in the state of Maine.

And for the year 2007, here are the top five cities in the United States with the most expensive and least expensive auto insurance. For the top five cities in the United States with the most expensive car insurance are the following: first is in the city of Detroit(MI) with the average annual premium of $5,072, second is in the city of Philadelphia(PA) with $3,779, followed by Newark(NJ) with $3,381, Los Angeles(CA) with $3,072 and at fifth is in the city of Hempstead(NY) with the average annual premium of $2,764. While for the top five cities with the least expensive car insurance are the following: the city with the least expensive or cheapest car insurance is the city of Eau Claire(WI) with an average annual premium of $869, second is the city of Norfolk(VA) with $954, followed by Raleigh(NC) with $966, Bismarck(ND) with $989, and on fifth for the cheapest car insurance is in the city of Burlington(VT) with an average annual premium of $1,001.

Autoquotenow.com provide motorist that are interested in having auto insurance some statistical information’s on the states and cities that has car insurance companies that offer the cheapest car insurance premiums.

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What is Gravity on Clickbank?

If you are looking for a product to promote on Clickbank then you have probably noticed a statistic that they use called gravity. This is one of the most misunderstood statistics on Clickbank, but once you know the definition of gravity it is actually quite simple. What is Gravity? Well, gravity is simply a weighted number of affiliates who have sold at least one product over the last 8 weeks, with the more recent sales counting for more than those made 8 weeks ago.

Gravity does not tell you how much money the product has made or what percentage it converts at. Gravity only counts the first sale each affiliate makes, so it isn’t necessarily a solid indication on the overall profitability of promoting the product. However, if it has a super high gravity it’s probably because people are having good success with it.

Pros and Cons of Promoting A High Gravity Product

If many people are promoting a product, and making sales, then there is a good chance that it coverts well. Most people aren’t going to continue to promote products that don’t make them very much money. One thing you need to watch out for is a product having high gravity only because it just launched. Many marketers get affiliates to push their product heavily during the launch, so that will give the product a very high gravity to start. Even though you know a high gravity product is probably making its affiliates a lot of money, there is a downside to promoting a high gravity product. If a product has a lot off affiliates promoting it, that means you are going to be up against a lot of competition for traffic. It might be very difficult to break into a niche that has a product with a super high gravity.

Pros and Cons of Promoting A Low Gravity Product

Sometimes it can pay off to promote a low gravity product. If a product has a gravity of 10-20 than it means they’ve made a decent amount of sales in the last few weeks. Many people who have products on Clickbank aren’t the best marketers, and even though they have a great product in a great niche they do a poor job of getting people to promote it for them. If you can find a product like this it is possible to dominate that niche and sell the heck out of a good, but unknown product. If you do really well with a product like this you should consider using your superior marketing skills to make your own product, and really make a ton of money from that niche.

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Dr Stat’s Waiver Prescription – Week 12

The Doctor is in! Here is my weekly showcase of players who are most likely available in your league and could be valuable to your team.

HITTERS

Chase Headley: 3B, San Diego Padres

Headley got called up to the majors on Tuesday and went 3-for-8 in his first two games. On Wednesday, he hit his first career home run in Yankee Stadium off of Yankees reliever Kyle Farnsworth (less). In case Headley is a new name to you, he’s a highly touted prospect who hit .330 in Double-A last season, winning Texas League Player of the Year honors. Before the call-up, he was hitting .305 with 14 HRs and 40 RBIs in AAA.

Fantasy Diagnosis: If you play in a keeper league, I guarantee he’s owned. In regular leagues, there is a chance he’s still available. Just don’t expect him to go all Ryan Braun on the league. He’s played some left field as well, which increases his value if he gains position eligibility there.

Jason Kubel: OF/DH, Minnesota Twins

He has as many home runs as Justin Morneau (10), including 4 this month. His June average (.326) and OBP (.423) are helped by the fact he has 8 walks, after having 10 in April and May combined.

Fantasy Diagnosis: Yes, he’s hitting just .254. However, he’s got some power and drives in runs (37), which makes him a viable option as a fourth outfielder.

Mike Aviles: SS, Kansas City Royals

While most of you have heard of Headley, many of you probably haven’t heard of Aviles. Since getting called up from AAA on May 29, Aviles is 15-for-49 (.306) with 3 HR, 6 RBI, 12 R and 1 SB. He has 4 multi-hit games and a .333 OBP. He’s pounding lefties (.455), but is hitting .263 against righties.

Fantasy Diagnosis: He just turned 26, was drafted in 2003 and spent the previous two seasons in AAA-Omaha. The Royals were patient with him, as they had Tony Pena Jr. playing SS, and now he’s taking full advantage of his first chance at playing in the majors on a daily basis. He’s listed at 5′9″, 185 pounds, which makes it hard to take him seriously as a fantasy threat. I see him more as a David Eckstein-type player, whose real life value exceeds his fantasy value. His hot start warrants a spot on your watch list though.

Mark Ellis: 2B, Oakland Athletics

Please do not confuse him with New Zealand’s Marc Ellis, the rugby game streaker who won M2 Magazine’s Man of the Year. At .261, Mark’s average is the highest it’s been all any given day all season. His June numbers (.326/4/12) are already better than any whole month he’s had this year. The RBIs are a little skewed, as he had 2 games with 4 of them this month, but the average is not. He’s had 7 multi-hit games this month and has scored 28 runs this season.

Fantasy Diagnosis: It’s easy to forget that Ellis hit .276 with 19 HRs and 76 RBIs last year, when he had the best season of his now 5+ year career. After the top tier of second basemen, those are pretty solid numbers. Expect similar production again this year.

PITCHERS

Mike Gonzalez: RP, Atlanta Braves

Rafael Soriano is on track to make more visits to the DL this year than Lindsey Lohan does to rehab. Manny A-cost-a-win-again has imploded (0-3, 2 blown saves, 12.00 ERA this month). John Smoltz is no longer in the picture. Bobby Cox turned to former Pirates closer Gonzalez, who returned from his own DL stint and got the save on Wednesday, making him the seventh Braves reliever to get a save this season.

Fantasy Diagnosis: Gonzalez had 24 saves in 2006 and is the only legitimate option to close games for Atlanta right now. If he hasn’t been picked up yet and you need saves, go grab him right now.

Mark Buehrle: SP, Chicago White Sox

The man with the biggest pick-up truck I’ve ever seen is finally back to earning the paycheck that bought that six-ton monster. In four June starts, he’s pitched 30 innings, allowed 7 runs, walked 6 and struck out 18. All four have been quality starts which have lowered his ERA to 4.28 and his WHIP to 1.36.

Fantasy Diagnosis: His June ERA (.210) and WHIP (1.03) deserve your attention. He’s back to being worthy of a spot on fantasy rosters. His 2.04 K/BB isn’t great, but as long as he produces quality starts, he’ll be in line for wins. However, if he starts to unravel again, don’t be patient with him.

Heath Bell: RP, San Diego Padres

True story: A friend of mine used to work at a concession stand in one of the minor league parks that Bell played in. They called Bell “Snacks”, as he was always eating candy or something and would come into the stand next to the bullpen and help work the grill when he got bored during the game (yes, I’m serious). A bit of a late bloomer (he’s 30 years old), Bell’s career has really taken off over the past two seasons. In 93.2 innings last season, he had a 2.02 ERA and struck out 102. This season, he’s 4-3 with a 2.02 ERA and 33 Ks.

Fantasy Diagnosis: He’s blown 3 saves, but has only allowed one run in his last 14 appearances. There aren’t many middle relievers who prove valuable in fantasy, but Bell is one who does. He’s picked up wins in relief, strikes out batters and is next in line to close if something were to happen to Trevor Hoffman.

Aaron Laffey: SP, Cleveland Indians

His 4-4 record doesn’t catch your eye, but maybe this will. Eight of his ten starts have been quality starts. He has a 2.98 ERA in 63.1 innings. In half his starts, he’s allowed one or fewer runs.

Fantasy Diagnosis: His numbers say it all. He doesn’t strike out many (29), but doesn’t walk many (16). He’s a lot like teammate Paul Byrd, only much better looking.

KEEP AN EYE ON

Andrew Miller: SP, Florida Marlins

The Marlins wanted him from Detroit in the deal for Cabrera and D(railed)-Train for a reason. He’s got big league stuff. He’s shown flashes of potential all season, but has been horribly inconsistent. Now, in his last two starts, he’s given up 2 combined runs and has a 3.00 K/BB. He’s not worth picking up, yet.

Jeff Baker: 2B/1B, Colorado Rockies

He’s 12-30 (.400) in June with his first 3 HRs of the season. His average, OBP and SLG have all risen dramatically this month. However, Clint Barmes is due back next week, putting Baker, who’s been playing DH during interleague play, back to playing part-time.

LONG SHOT OF THE WEEK

Elijah Dukes: OF, Washington Nationals

Perhaps no baseball player made as much news off-the-field as Dukes did last season. Sorry, but no fantasy points for getting into fights with teammates, arguments with coaches, threatening to kill your wife and throwing a bottle of Gatorade at a 17-year old girl you hooked up with. Now if Fantasy Thuggery existed, he and PacMan Jones would have been co-MVP’s last season. Anyway, Dukes has been a model citizen this season and after a .167 May, he’s hitting .311 in June, along with his first HR of the season and 9 RBIs. He hit 10 HRs in 52 games last year, so we know he has power. His hot month is good to see, as he’s a talented young player.

Kimbo Nyce is RootZoo.com’s resident fantasy baseball expert, and updates readers throughout the day with breaking fantasy baseball news and two weekly columns. Find more of his work at sports talk website RootZoo.com.

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Review The History of Statistics: The Measurement of Uncertainty before 1900 – Sale and Discount

The History of Statistics: The Measurement of Uncertainty before 1900 Reviewed

I love history of mathematics books like this one that have the guts to delve into the actual mathematics involved while retaining a narrative thread. I use it with my children to illustrate why mathematics is important. What problems were people trying to solve? How solutions were arrived at in steps over time rather than as deus ex machina. This is much more effective than presenting mathematics as most schools, out of context as a series of recipes. The book is divided into three main parts:

The Development of Mathematical Statistics in Astronomy and Geodesy before 1827

The Struggle to Extend a Calculus of Probabilities to the Social Sciences

A Breakthorugh in Studies of Heredity

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The History of Statistics: The Measurement of Uncertainty before 1900 Overview

This magnificent book is the first comprehensive history of statistics from its beginnings around 1700 to its emergence as a distinct and mature discipline around 1900.

Stephen M. Stigler shows how statistics arose from the interplay of mathematical concepts and the needs of several applied sciences including astronomy, geodesy, experimental psychology, genetics, and sociology. He addresses many intriguing questions: How did scientists learn to combine measurements made under different conditions? And how were they led to use probability theory to measure the accuracy of the result? Why were statistical methods used successfully in astronomy long before they began to play a significant role in the social sciences? How could the introduction of least squares predate the discovery of regression by more than eighty years? On what grounds can the major works of men such as Bernoulli, De Moivre, Bayes, Quetelet, and Lexis be considered partial failures, while those of Laplace, Galton, Edgeworth, Pearson, and Yule are counted as successes? How did Galton’s probability machine (the quincunx) provide him with the key to the major advance of the last half of the nineteenth century?

Stigler’s emphasis is upon how, when, and where the methods of probability theory were developed for measuring uncertainty in experimental and observational science, for reducing uncertainty, and as a conceptual framework for quantative studies in the social sciences. He describes with care the scientific context in which the different methods evolved and identifies the problems (conceptual or mathematical) that retarded the growth of mathematical statistics and the conceptual developments that permitted major breakthroughs.

Statisticians, historians of science, and social and behavioral scientists will gain from this book a deeper understanding of the use of statistical methods and a better grasp of the promise and limitations of such techniques. The product of ten years of research, The History of Statistics will appeal to all who are interested in the humanistic study of science.

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Best Buy The History of Statistics: The Measurement of Uncertainty before 1900 :Customer Reviews

Excellent Coverage of the History of Statistics Before 1900 – Suppiluliuma – Chicago, IL
This is an outstanding book. As a Statistics student, I can’t imagine reading anything better on this subject. The math in the book is in-depth enough such that I can relate historical developments of various statistical theory and technique to what I have done (and, for that matter, that which I have yet to do) and it was possible to reproduce some of the calculations on my own (which was quite enjoyable). Overall, this is an excellent book–I can’t recommend it enough.

Statistics and Its History – Michael Albert –
Excellent book. To me, this book is not simply an exposition of the history of statistics, but a way to understand statistics better via the challenges which historically motivated its development. The writing is clear, precise, and insightful.

great perspective on a key period in the development of statistical science – Michael R. Chernick – Holland PA
Stigler is unrivaled as a statistician who researches the history of statistics. This covers the famous mathematicians and statisticians who developed the foundation on which probability and statistics blossomed in the 20th Century. He is thorough and accurate and his writing is always clear and interesting. After reading this try Salsburg’s “Lady Tasting Tea” to see how Fisher, Cramer, Neyman and Pearson and Kolmogorov and others formally developed probabilty and mathematical statistics as important disciplines in the 20th Century.

Always enjoyable and enlightening, Stigler brings an unparalleled degree of scholarship to the essays.

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