APR Explained by Michael Sheen

Фильм және анимация

Michael Sheen explains APR. For more information on our Affordable Credit work visit: www.carnegieuktrust.org.uk/pr...

Пікірлер: 303

  • @fluffypuppy4831
    @fluffypuppy48314 жыл бұрын

    Good Omens teacher au

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    Yes

  • @everythingfangirl548

    @everythingfangirl548

    3 жыл бұрын

    Fanfic writers(aka me): writethatdownwritethatdownwritethatdownwritethatdown-

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    @@everythingfangirl548 I'd love to read about it if you'd write it, dear.

  • @yanny7186

    @yanny7186

    3 жыл бұрын

    @@aziraphale5752 shit I’m actually writing Aziraphale!professor au 😂😂 this random vid actually came in handy just now 😂

  • @leetehehee7464

    @leetehehee7464

    3 жыл бұрын

    Hot

  • @pointlessplayinc.6656
    @pointlessplayinc.66564 жыл бұрын

    I didnt understand anything in this video but the fact that Aziraphale just tried to teach me APR and I was too obsessed with his hair to pay attention

  • @ReadDeadRedemption_

    @ReadDeadRedemption_

    3 жыл бұрын

    Me too, haha😂😂

  • @jes3836

    @jes3836

    3 жыл бұрын

    Still couldn't explain it. Guess I'll just have to watch it again. And again and...

  • @ksparks689

    @ksparks689

    10 ай бұрын

    Can’t explain it, it’s ineffable.

  • @MaevieTheSongbird
    @MaevieTheSongbird3 жыл бұрын

    “Professor Aziraphale? Who’s that guy with the sunglasses and black jacket who keeps making eyes at you?”

  • @Marly8

    @Marly8

    3 жыл бұрын

    OMG YES XD

  • @ImBlueDaBaDeeDaBaDaa

    @ImBlueDaBaDeeDaBaDaa

    2 жыл бұрын

    *Fanfiction writers* "Write that down, write that down!"

  • @aziraphale5752

    @aziraphale5752

    2 жыл бұрын

    "Uhm... That is the botany professor, Ms. Ballantine, who should not be here, because his next class starts in.." Aziraphale pauses and looks at his watch and stares dead at Crowley who has also glanced at his phone's clock, "ten minutes. And it takes five to get there, so he should best be off."

  • @chibime2005

    @chibime2005

    2 жыл бұрын

    Ahah now i want ff about it

  • @MaevieTheSongbird

    @MaevieTheSongbird

    2 жыл бұрын

    @@aziraphale5752 *I lean over to my seat mate* "Did he just start working here? I don't think I've seen him around before." "I'm surprised they let him in. Didn't think they'd hire someone in a leather jacket." "Just because he doesn't dress like a professor doesn't mean he's a bad one. But that also doesn't explain what he's doing in here making google eyes at-" *I'm cut off by a crumpled paper hitting me in the back of the head, professor Crowley is whistling nonchalantly*

  • @SSMp315
    @SSMp3155 жыл бұрын

    Seeing Aziraphale wear modern clothes and EVEN BLACK Is staggering

  • @IneffableFoxy

    @IneffableFoxy

    4 жыл бұрын

    this has fucked me up

  • @dayschange2

    @dayschange2

    3 жыл бұрын

    Crowley would lose his shit.

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    @@dayschange2 He would.. mind not telling him? Please?

  • @Hecateofcrossroads

    @Hecateofcrossroads

    3 жыл бұрын

    Well Crowley wore white

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    @@Hecateofcrossroads and i wore a black magician's suit

  • @ineffablemars
    @ineffablemars9 ай бұрын

    If all my lessons in school were taught by Michael Sheen I’d be a genius by now

  • @milly6943
    @milly69433 жыл бұрын

    I am deeply disturbed by the sight of Aziraphale wearing different clothes

  • @alexjake.j906

    @alexjake.j906

    2 жыл бұрын

    Its obvous you do love aziraphale. Me too

  • @mars_makes_things

    @mars_makes_things

    2 жыл бұрын

    Yes

  • @evilpansy
    @evilpansy5 жыл бұрын

    He went *blonde*

  • @melancholyism

    @melancholyism

    4 жыл бұрын

    RiverStone1268 DAVID WHAT HAS HAPPENED TO YOUR HAIR? WHAT HAS HAPPENED TO MY HAIR? I WENT BLONDE!!!

  • @annashaw6538

    @annashaw6538

    3 жыл бұрын

    @@melancholyism I love this!!

  • @okaminess

    @okaminess

    3 жыл бұрын

    @@melancholyism hahahaha 🤣🤣🤣🤣🤣🕊🕊🕊🕊🕊

  • @ironvlogger9712
    @ironvlogger97124 жыл бұрын

    When he's not running his lovely bookshop, Aziraphale Z Fell enjoys teaching in a nearby college😆💗

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    This is true.

  • @ironvlogger9712

    @ironvlogger9712

    3 жыл бұрын

    @@aziraphale5752 sweet, kind, generous, beautiful and intelligent angel 😚😚😚😚

  • @Stargirl-wi7hy

    @Stargirl-wi7hy

    3 жыл бұрын

    So THATS how he can keep the shop running and keep his books

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    @@Stargirl-wi7hyThat or I can ask Crowly if he could do a quick miracle for me and help me fund the book shop, or I'll miracle the money. There's also the factor of my scaring off people by glaring at them or other things to keep my books.

  • @cheflaurel7453
    @cheflaurel74534 жыл бұрын

    "Aziraphale used it [his cheap, slow, plasticky computer] religiously for doing his accounts, which were so scrupulously accurate that the tax authorities had inspected him five times in the deep belief that he was getting away with murder somewhere." - Good Omens by Terry Prachet & Neil Gaiman

  • @okaminess

    @okaminess

    3 жыл бұрын

    Hahahaha 😂

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    This is true and mildly infuriating it happened five times. Why can't they just assume I'm a good, smart person who uses knowledge for taxes.

  • @SJ-dl6uc

    @SJ-dl6uc

    2 жыл бұрын

    this made belly laugh out loud during omicron surge. thank you ❤️

  • @a.katherinesuetterlin3028

    @a.katherinesuetterlin3028

    2 жыл бұрын

    @@aziraphale5752 Because they like to think everyone is either stupid, criminal, or both. Ironically (or unironically), this could very well be seen as a proper case of psychological projection, and *they* are the stupid, criminal ones. And they don't want anyone being smarter than they are. Think about that one. 😉😁

  • @a.katherinesuetterlin3028

    @a.katherinesuetterlin3028

    2 жыл бұрын

    This is honestly why I like doing my taxes online, especially concerning that my wages are nowhere near corporate level. Even at my highest earnings ($12K/yr working for a casino), I've never been audited. Also it's because I don't have to itemize deductions. That definitely helps. 😜

  • @pinkgreedyvillager
    @pinkgreedyvillager3 жыл бұрын

    *David Tennant with red hair* Me: oh, he dyed his hair, cool. *Michael Sheen with blonde hair* Me: AZIRAPHALE!?!??

  • @theineffableshipper297

    @theineffableshipper297

    3 жыл бұрын

    SAME NOOOO

  • @Marly8

    @Marly8

    3 жыл бұрын

    SAAAAME OMG THE OUTFIT ON AZIRAPHALE IS SO… AHHHH

  • @sageofearth5250

    @sageofearth5250

    2 жыл бұрын

    Same here

  • @godfrey_approves

    @godfrey_approves

    10 ай бұрын

    I know!!! His fluffy angel hair is just that iconic

  • @lindildeev5721

    @lindildeev5721

    10 ай бұрын

    Some others might say, when seeing David with red hair: YEEEEES, HE'S FINALLY GINGER!

  • @pianopanicattack
    @pianopanicattack3 жыл бұрын

    i don’t even know what an APR is but as long as aziraphale’s explaining it i’ll pretend to understand

  • @helivoo1846

    @helivoo1846

    2 жыл бұрын

    same tho

  • @samuelelder9434

    @samuelelder9434

    2 жыл бұрын

    Its an acronym for Apples Plumbs caRrots

  • @bonariablackie4047

    @bonariablackie4047

    2 жыл бұрын

    APR stands for Annual Payment Rate. Every bank charges for mortages, loans, overdrafts etc at their APR, which for Nationwide is a ruinous 39.9%. If you borrowed £75 from Nationwide for 7 days, you would pay back £104.92.

  • @Volkbrecht

    @Volkbrecht

    2 жыл бұрын

    @@bonariablackie4047 There is something wrong with your maths. At an APR of 39.9 %, you'd pay back 75.57. 104.92 after seven days would mean an APR of 2080 %. According to the calculation shown in the video.

  • @Thurgosh_OG

    @Thurgosh_OG

    2 жыл бұрын

    @@bonariablackie4047 APR, in the UK stands for Annual Percentage Rate, not Payment rate. The overdraft rate you are using is for unauthorised use, authorised overdrafts are only 1 to 2 % at the moment.

  • @dayschange2
    @dayschange23 жыл бұрын

    I can't put my finger on why I'm struggling here. I saw David Tennant make a TV appearance with Crowley's hair, and I was able to process it just fine: David Tennant, just with red hair. I see this, and I can hear that the inflection is Michael Sheen, yet I can't NOT see Aziraphale. That's Aziraphale, telling me about APRs. Thank you, Aziraphale. I feel very informed.

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    Your welcome, Dear.

  • @Francharancha

    @Francharancha

    3 жыл бұрын

    XDDD same im just like, "Oh wow aziraphale from good omens? The angel who gards the east of the garden of eden? Apr? DOnt know what that is but interesting. Thanks"

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    @@Francharancha You're very welcome, dear.

  • @Francharancha

    @Francharancha

    3 жыл бұрын

    @@aziraphale5752

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    @@Francharancha Are you ok?

  • @Beeimus
    @Beeimus5 жыл бұрын

    AZIRAPHALE

  • @chloiecruz7475

    @chloiecruz7475

    3 жыл бұрын

    that's what I also thought lol

  • @evilpansy
    @evilpansy5 жыл бұрын

    Can he be my teacher, I still won’t absorb anything

  • @lyricachansoundbite
    @lyricachansoundbite3 жыл бұрын

    I think I finally got it. £79.2 / £75 = 1.056 Weekly percentage rate = 0.056 (5.6%) Annual Percentage Rate formula: APR = (1 + 0.056)^(365/7) - 1 APR = 16.1358 ≅ 16.14 = 1614% Thanks, professor Fell :)

  • @SJ-dl6uc

    @SJ-dl6uc

    2 жыл бұрын

    you need more likes

  • @erichardzz

    @erichardzz

    2 жыл бұрын

    So APR is the amount of interest you pay annually on a loan?

  • @jmckendry84

    @jmckendry84

    2 жыл бұрын

    @@erichardzz yes, it's the "annually percentage rate". So if you borrowed £100 and the APR was 5%, then you'd owe £105 after a year (assuming you didn't pay anything back in the meantime, for simplicity).

  • @CHSidChou

    @CHSidChou

    2 жыл бұрын

    they should include this in the vid

  • @davidmundow1074

    @davidmundow1074

    2 жыл бұрын

    Is the weekly interest rate applied to the outstanding amount each week i.e. if you don't pay off week 1 it's 5.6% of £79.2 and so on?

  • @SeptemberChild
    @SeptemberChild3 жыл бұрын

    damn if Michael Sheen were my tutor I might have actually learned something

  • @Emmylamb07

    @Emmylamb07

    9 ай бұрын

    I felt that

  • @DrDespicable
    @DrDespicable3 жыл бұрын

    Odd, seeing an angel explain a tool of the Devil...

  • @Thurgosh_OG

    @Thurgosh_OG

    2 жыл бұрын

    Well they do have to know how to oppose the devils work, lol.

  • @ibarelyusethisaccountlmao
    @ibarelyusethisaccountlmao4 жыл бұрын

    Everyone: Wow what a good teacher Me: *sees 4.20* nice

  • @Genirie
    @Genirie Жыл бұрын

    As a french person, i understand nothing, but Micheal explain it, so it's ok

  • @Luminty99
    @Luminty994 жыл бұрын

    This is the best way to learn math, Michael can you please be my math teacher cuz I'd pay attention

  • @Thurgosh_OG

    @Thurgosh_OG

    2 жыл бұрын

    Michael is Welsh, he only teaches Maths. 🧠

  • @justabitofamug6989
    @justabitofamug69894 жыл бұрын

    I just live Michael sheen

  • @dayschange2

    @dayschange2

    3 жыл бұрын

    I live him too!

  • @INDIOcomvoce1

    @INDIOcomvoce1

    3 жыл бұрын

    @@dayschange2 yep Michael Sheen is such a lively man..

  • @Brandibb

    @Brandibb

    2 жыл бұрын

    Same, I'm a simp too

  • @dddeegee3236
    @dddeegee32364 жыл бұрын

    I dont even know what is APR

  • @Bonglecat

    @Bonglecat

    3 жыл бұрын

    Annual Percentage Rate

  • @denisesudell2538

    @denisesudell2538

    3 жыл бұрын

    Would have been nice if he’d mentioned that

  • @julissavillatoro5725
    @julissavillatoro57253 жыл бұрын

    Deadass thought someone edited Aziraphale’s head in lmaooo 😂😂 (But in case this was edited, this is so well-done, your masking is absolutely seamless!😂)

  • @talia77us
    @talia77us4 жыл бұрын

    If he were my teacher I still wouldn't learn because I'd still be staring at him. Just gazing at his sweet sexiness all the time.

  • @kaytlinpaige1057

    @kaytlinpaige1057

    3 жыл бұрын

    I- oh?

  • @courtroomegg

    @courtroomegg

    3 жыл бұрын

    E x c u s e m e -

  • @idontknow_whattowritesooo130

    @idontknow_whattowritesooo130

    2 жыл бұрын

    HE IS TAKEN. YOU CAN NOT BREAK APART THEIR 6000 YEAR RELATIONSHIP

  • @Vas0011

    @Vas0011

    2 жыл бұрын

    @@idontknow_whattowritesooo130 EXACTLY! 😂😂

  • @ironvlogger9712
    @ironvlogger97124 жыл бұрын

    I love to see Aziraphale in modern clothing and I know Crowley does too😇💟😈

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    He does, but he doesn't know about my having posted this. ; ) Could you keep it a secret for me?

  • @ironvlogger9712

    @ironvlogger9712

    3 жыл бұрын

    @@aziraphale5752 of course my dear, your secret is safe with me 😘

  • @ironvlogger9712

    @ironvlogger9712

    3 жыл бұрын

    @@aziraphale5752 For his sake I hope you do wear modern clothing from time to time during your personal time together! I can just see the dear boy's face turning as red as a strawberry whenever this happens😂😆😋

  • @aziraphale5752

    @aziraphale5752

    3 жыл бұрын

    @@ironvlogger9712 I most certainly will, he looks so cute when he's red-faced

  • @ironvlogger9712

    @ironvlogger9712

    3 жыл бұрын

    @@aziraphale5752 indeed 💘🐍sweet snek

  • @MiceAndMinecraft
    @MiceAndMinecraft3 жыл бұрын

    my dyscalculaic arse says "thank you, Aziraphale."

  • @Cartoon-Nerd
    @Cartoon-Nerd3 жыл бұрын

    This awakened the student in me: nodding and pretending to understand

  • @lovesburntofferings
    @lovesburntofferings2 жыл бұрын

    This is so fabulous on so many levels. Mr Sheen explains this oft misunderstood principle so that it’s not only lucent, he created a contest for the content. The content being APR. Bravo Mr. Sheen!!! A true Renaissance Man you are.

  • @lovesburntofferings

    @lovesburntofferings

    2 жыл бұрын

    Content - not contest - grrrrrrr autocorrect

  • @Krissshereee
    @Krissshereee3 жыл бұрын

    Okay but why does he actually makes sense? I’m a marketing major and this is kind of what I’m studying ✨

  • @a.katherinesuetterlin3028

    @a.katherinesuetterlin3028

    2 жыл бұрын

    I think it's because he illustrates the concept in a friendly, humorous way, rather than sounding dry and boring. Hell, he would have made my 7th grade World History class more enjoyable because he actually puts inflections in his voice, rather than speaking in a monotone like my actual World History teacher. Also, had I had such a teacher as Michael Sheen for World History, I definitely would have been able to pay more attention...and likely been crushing majorly. British accents are defo a thing with me. 😅

  • @sorchara9119

    @sorchara9119

    2 жыл бұрын

    it makes sense because its literally maths

  • @centerfield6339

    @centerfield6339

    2 жыл бұрын

    "why does he actually make sense?" Well, why not? Who shouldn't make sense?

  • @MgarrKid
    @MgarrKid2 жыл бұрын

    Came for a Martin Sheen clip, learned about loan sharks without even knowing - BRAVO to the writers, and obviously to the Sheen.

  • @markorollo.
    @markorollo.3 жыл бұрын

    £4.20 for a pint!?!? I'm not going in that pub!

  • @cuctrinh2466
    @cuctrinh24663 жыл бұрын

    Kind of surprise to see Mr Sheen explaining about things like apr.

  • @allisonforfornsed
    @allisonforfornsed10 ай бұрын

    God I am so in love with this man

  • @Winyfhet
    @Winyfhet2 жыл бұрын

    I didnt understand a dang thing, i love this angel so much i cant focus.

  • @doug5880
    @doug58803 жыл бұрын

    El profesor Aziraphale :3

  • @dayschange2

    @dayschange2

    3 жыл бұрын

    Si!

  • @leidylifrancis3603

    @leidylifrancis3603

    3 жыл бұрын

    Que nos esta enseñando xd?

  • @INDIOcomvoce1

    @INDIOcomvoce1

    3 жыл бұрын

    @@leidylifrancis3603 creo que vosotros conocen como tasa de interés anual

  • @pedrodiogo3828
    @pedrodiogo38284 жыл бұрын

    can anyone tell me how he got to 1614% ?

  • @PirateWanderer

    @PirateWanderer

    4 жыл бұрын

    Pedro Diogo I asked my economics teacher as well, and we just couldn’t figure it out, we got either 5000 something or 1000 something (tried two different interest calculations) So I think they miscalculated something

  • @emilyscloset2648

    @emilyscloset2648

    2 жыл бұрын

    lookup sil soundbite's comment but basically: 79.20/75 = 1.056 So the weekly rate is 5.6% increase Annual rate is (1.056)^(365/7) - 1 aka you have to add 5.6% of the total onto the bill every week. The minus 1 accounts for the 1.056 instead of 0.056.

  • @rosina29
    @rosina293 жыл бұрын

    Idk what that was, but like I love you aziraphale

  • @sabertooth_shark5047
    @sabertooth_shark50472 жыл бұрын

    All of us wishing he was our school teacher....

  • @LPSALFA
    @LPSALFA2 жыл бұрын

    I am dumb as fuck at maths but as soon as I saw this video I pretended I understood APR just because It's Aziraphale explaining.

  • @Honey13512
    @Honey135126 ай бұрын

    Преподаватель просто ангел

  • @sccdr.laneywrightmathcours3577
    @sccdr.laneywrightmathcours35772 жыл бұрын

    Brilliant example! Going to share with my college students.

  • @morozovamaximoff
    @morozovamaximoff2 ай бұрын

    seeing michael sheen with aziraphale hair and a welsh accent is staggering

  • @wibbwobbles
    @wibbwobbles8 ай бұрын

    Can we get like....a series of him explaining things

  • @howard1beale
    @howard1beale2 жыл бұрын

    Brilliant explanation

  • @alisonbateman8173
    @alisonbateman81736 ай бұрын

    I didn't learn anything except that I am more in love with Michael Sheen - the man who makes maths sound sexy!

  • @Oj12323
    @Oj123232 жыл бұрын

    If this man isn’t the next doctor who I’m gonna lose my mind 🙃

  • @LeahLaushway
    @LeahLaushway7 ай бұрын

    What a lovely Welsh accent Aziraphale is speaking in!

  • @user-sp5ds4nq5e
    @user-sp5ds4nq5e3 жыл бұрын

    I’m new to the good omens world and I’ve never heard him talking😂 or I have but I never knew it was him. His voice is lower than I expected him to sound

  • @MrBchi
    @MrBchi2 жыл бұрын

    That's fantastic. He's a bit of a legend as well

  • @1Vix1
    @1Vix12 жыл бұрын

    Normally I hateeee math of every inch of my body. But when Michael does it...then it's like "I fuckin love math"

  • @unseelie63
    @unseelie633 жыл бұрын

    Mr.Sheen just demonstrated just how much of a ripoff things like payday loans are.How they can,and do,make peoples' financial shortfalls even worse than they already are.He's trying to educate.To help people.He's adorable,yes,but he's a very serious activist as well.This was an activist moment.

  • @mvashton

    @mvashton

    2 жыл бұрын

    Try a space after your punctuation?

  • @Eatmywalnutz

    @Eatmywalnutz

    11 ай бұрын

    @@mvashtonthank you..

  • @kuroshima4751
    @kuroshima47519 ай бұрын

    WHYYYYY! WHERE IS THIS WHEN I WAS A ABM STUDENT! MY GOD I NEED THIS AT THAT TIME 😭

  • @jesebelroce6904
    @jesebelroce69042 жыл бұрын

    Pag ito talaga naging teacher ko sa Math ..papasok ako palagi😁😄..

  • @hautboisfemme
    @hautboisfemme3 жыл бұрын

    Okay, but now I need Aziraphale to teach me about capital budgeting and valuing corporate stocks so I can pass my Finance final in three days.

  • @gdevine5515
    @gdevine55152 жыл бұрын

    He is so cool.

  • @pastelcreativity9595
    @pastelcreativity95953 жыл бұрын

    If Aziraphale was my teacher i wouldn't be failing-

  • @Allegro11Maestoso

    @Allegro11Maestoso

    8 ай бұрын

    You'd be falling

  • @the_loveable_fat_man9948
    @the_loveable_fat_man99482 жыл бұрын

    Apr is your annual percentage rate which effectively means if you pay off your loan in a year you will pay x amount in interest, now as most loans are not over 1 year as you will tend to find you will get payday loans over 3 months, 5 year bank loans or 25-40 year mortgages are the most common form of loans in the uk, it is much more simple to 1. Get put on a fixed rate, 2. Ask before you take out the loan how much you will pay back in interest over the term of the loan and 3. Read the terms and conditions as if you get hit with additional fees or miss payments, you watch that interest sky rocket!

  • @Bryan-pj4oo
    @Bryan-pj4oo2 жыл бұрын

    Good to know

  • @andiemcnamara2577
    @andiemcnamara25773 жыл бұрын

    I really do think I might actually have almost understood that... Thank you Aziraphale.. ❤️

  • @NgocNguyen-xc4zh
    @NgocNguyen-xc4zh10 ай бұрын

    Teacher Aziraphale ❤

  • @theravenmuse7226
    @theravenmuse72263 жыл бұрын

    HAIR

  • @annashaw6538

    @annashaw6538

    3 жыл бұрын

    "I WENT BLONDE"

  • @pianopanicattack

    @pianopanicattack

    3 жыл бұрын

    @@annashaw6538 *”WHAT HAS HAPPEN TO YOUR HAIR”*

  • @annashaw6538

    @annashaw6538

    3 жыл бұрын

    @@pianopanicattack I'm an acting comilion! Ffs 😂 love how both of their accents come out the louder they shout in this

  • @Hecateofcrossroads

    @Hecateofcrossroads

    3 жыл бұрын

    That’s it just HAIR

  • @EveIrkens

    @EveIrkens

    3 жыл бұрын

    @@pianopanicattack *"ANSWER!"*

  • @KatiannaDenemark
    @KatiannaDenemark2 жыл бұрын

    My thoughts while watching this "How does he make his voice change so Aziraphale sound so adorable??" "Why do I get Crowley with the projector screen vibes, did they body swap again?" "Is this what Aziraphale would wear as a demon?" "Still trying to process this guy was Aro in Twilight"

  • @DominateFA
    @DominateFA3 жыл бұрын

    Can someone explain what Michael Sheen did, I have no idea what APR is...

  • @didik3327
    @didik33278 ай бұрын

    this is how i’m studying for financial lit

  • @pqrstzxerty1296
    @pqrstzxerty12962 жыл бұрын

    and what is AER ? in loans, and compared with APR ?

  • @95garyl
    @95garyl3 жыл бұрын

    I think his calculations are in correct. 4.20(52)/75 =2.780

  • @Susanluc59
    @Susanluc592 жыл бұрын

    I don't know what course he is teaching but damn it, where do I sign up?

  • @ReadDeadRedemption_
    @ReadDeadRedemption_3 жыл бұрын

    "WHAT ABOUT MY HAIR??!?! I WENT BLOND"

  • @halfkinrainbolt7041
    @halfkinrainbolt70413 ай бұрын

    Wowsers!

  • @neptunestardust
    @neptunestardust2 жыл бұрын

    That thumbnail is the most David looking Michael has ever looked I dunno how to explain it 😂

  • @squishycatfish2577
    @squishycatfish25775 ай бұрын

    LOL THIS WAS NEEDED

  • @zoe5796
    @zoe57962 жыл бұрын

    When Lyra grows up, she'll never have problems with maths and will never experience the struggle with 'doing maths with dada'

  • @itsgallifrey2518
    @itsgallifrey25183 жыл бұрын

    Aziraphale?

  • @BodaciousWench
    @BodaciousWench4 жыл бұрын

    That would be a payday loan here in America.

  • @unseelie63

    @unseelie63

    3 жыл бұрын

    Exactly.Michael Sheen,however cuddly and adorable he is as Aziraphale,is in real life a fighter for change.He sees people struggling with things like payday loans.He sees NHS not fully stepping up to the plate.He sees government not stepping up for little people,ordinary people,and it pisses him off.He wants to do something about it.So he's using his celebrity as a tool for activism.

  • @chrisst8922
    @chrisst89222 жыл бұрын

    I read that APR meant you only paid interest in April.

  • @jasonpatterson8091
    @jasonpatterson80912 жыл бұрын

    Wow, this is an argument from what seems to be a very nice guy about how exorbitant interest rates in predatory short term lending aren't a bad thing. Sure, there are fixed costs to be considered, but in reality these types of loans aren't made a single time. Instead they occur over and over again and the financial institutions lending the money DO have large sums constantly loaned out at these rates. The default rates are higher than on most longer term loans, but not sufficient to justify the insanity.

  • @blazingvultures_
    @blazingvultures_4 жыл бұрын

    Can he please be my teacher

  • @franx000
    @franx0003 жыл бұрын

    michael??? I- ALL I SEE IS AZIRAPHALE-

  • @ketrin_uzumaki

    @ketrin_uzumaki

    3 жыл бұрын

    Same

  • @elnino2410
    @elnino2410Ай бұрын

    came for Apr. I have to search what pint and pounds is...

  • @mdderrek9280
    @mdderrek92802 жыл бұрын

    Is this Simon Pegg?

  • @goodoldfashionedangel
    @goodoldfashionedangel3 жыл бұрын

    Thank you Aziraphale!! ILY

  • @AmnnoStar
    @AmnnoStar4 ай бұрын

    As a french person, i didn't understood anything, but it's Micheal or Aziraphale, it's fine.

  • @ChrisHFal
    @ChrisHFal2 жыл бұрын

    Tim from SPACED

  • @thelimey351
    @thelimey3512 жыл бұрын

    Isn't this APY(otherwise known as EAR) rather than APR ?

  • @WhatInTheDeepestShadeOfFeck
    @WhatInTheDeepestShadeOfFeck2 жыл бұрын

    Michael Sheen is a hero. If only there was leader of the opposition with some balls

  • @gergelybodi3728
    @gergelybodi37282 жыл бұрын

    This is the absolute minimum everyone should know about finance by heart already at the age of 6.

  • @zurbihennan1874
    @zurbihennan18743 жыл бұрын

    Aziraphale trying to act like Crowley by wearing dark clothes!!

  • @marielledebuque
    @marielledebuque7 ай бұрын

    I watched his multiple times and yet I still dont understand a word he said but hey he's very pretty 😍

  • @Jenribles
    @Jenribles2 жыл бұрын

    I uh. I didn’t read the title, so I was waiting for a punchline.

  • @headwyvern11
    @headwyvern112 жыл бұрын

    I still dont really understand what apr is

  • @melodymedina3242
    @melodymedina32423 жыл бұрын

    I can't see Michael here, when his hair is blond he turns Zira.

  • @heathstjohn6775
    @heathstjohn67752 жыл бұрын

    The debt was as much of an unrepayable moral one as anything else; the interest on the loan wasn't a sum, but what was returned to him in witnessing his justified trust.

  • @OverWims
    @OverWims2 жыл бұрын

    Ok but why is it 1614%?

  • @BeYou-Butterfly9036
    @BeYou-Butterfly90363 жыл бұрын

    Thank you Aziraphale!

  • @SewardWriter
    @SewardWriter2 жыл бұрын

    Anyone else just kinda going, "Damn, beer is really cheap in Britain"? Keep in mind that UK pints are larger than American ones.

  • @a.katherinesuetterlin3028

    @a.katherinesuetterlin3028

    2 жыл бұрын

    Pippin (U.S., chugging a small pint of ale): "What's that?" Merry (UK, carrying a huge, delicious, Brit-size, ale): "This, my friend, is a pint!" Pippin (U.S., realizing just how gypped he's been): "It comes in pints? I'm getting one!" Yes, I know, I inserted a LOTR reference amongst the comments surrounding Aziraphale, but...I admit I couldn't resist. 😅

  • @iamthinking2252_
    @iamthinking2252_2 жыл бұрын

    So… the reason why the APR is so high is that it extends the scenario - pay back original and a pint of beer in a weeks time - and extends it to a year. Which would be like paying the original… and god knows how many pints of beer

  • @notAshildr

    @notAshildr

    10 ай бұрын

    a beer a week. Which is 52 beers. At £4.20 a beer that adds up to £218.40. Add that to the original £75 and you gotta pay back £293.4. Or those 75 and a small keg.

  • @mattlm64
    @mattlm642 жыл бұрын

    Watch out for those loan sharks asking for beer.

  • @realpauldano
    @realpauldano2 жыл бұрын

    i still don't understand what apr is

  • @ATp_990
    @ATp_9909 ай бұрын

    We want to see aziraphale dressed like this in good omens 3

  • @d-logan5280
    @d-logan52802 жыл бұрын

    I ... don't get it. Is he saying the pint was too much to expect? Or that it was reasonable? Coulda used more hand holding here.

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