At Carnegie UK we’re all about wellbeing. We have been ever since we were set up over 100 years ago. Wellbeing has meant different things to different generations. Right now, the world around us is changing in ways that mean it is time to rethink how we help people to live well together.
This is what ‘wellbeing’ means to us today. It is about everyone having what they need to live well now and in the future.
Looking after the wellbeing of all citizens - our collective wellbeing - is a powerful way of creating a society where everyone can live well together.
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came for Apr. I have to search what pint and pounds is...
Just announcing that this video has the word "milk" in the URL
seeing michael sheen with aziraphale hair and a welsh accent is staggering
I would dream that my teacher would be Aziraphale.....eh......🥲
Wowsers!
As a french person, i didn't understood anything, but it's Micheal or Aziraphale, it's fine.
LOL THIS WAS NEEDED
Thanks Aziraphale
If Aziraphale had a Welsh accent.
Преподаватель просто ангел
I didn't learn anything except that I am more in love with Michael Sheen - the man who makes maths sound sexy!
What a lovely Welsh accent Aziraphale is speaking in!
As a leftist, I support participatory democracy. I think that this is a good explanation of said system regardless of your political position
I watched his multiple times and yet I still dont understand a word he said but hey he's very pretty 😍
Can we get like....a series of him explaining things
this is how i’m studying for financial lit
poor inocent
THIS MIGHT BE DEMON AZIRAPHALE ‼️
This guy looks like Billy Joe Armstrong from Green Day
WHYYYYY! WHERE IS THIS WHEN I WAS A ABM STUDENT! MY GOD I NEED THIS AT THAT TIME 😭
My ass is not focused on the math, Michael Sheen... 😢
I would learn nothing if he was my teacher
We want to see aziraphale dressed like this in good omens 3
If all my lessons in school were taught by Michael Sheen I’d be a genius by now
Teacher Aziraphale ❤
I feel like all of your comments are the reason why he dyes his hair back to brown after playing Azi. 🤣 You guys crack me up.
God I am so in love with this man
Sorry Michael, my brain doesn’t compute maths 😅😅
As a french person, i understand nothing, but Micheal explain it, so it's ok
You lost me at '2 friends'...
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.
Pag ito talaga naging teacher ko sa Math ..papasok ako palagi😁😄..
Expensive pub.
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.
Let go kids the union is done.
A none existing one 👌🇮🇪🌎
Beer costs £4.20 - of course it does- wait I think you have the wrong recreational drug.
He doesn't actually explain it
I uh. I didn’t read the title, so I was waiting for a punchline.
Now if he’d only actually explain APR…
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.
Brilliant explanation
His friend is a loan shark.
and what is AER ? in loans, and compared with APR ?
You convinced me to take out that 28 day loan with the loan shark at 142,529 % APR.
Came for a Martin Sheen clip, learned about loan sharks without even knowing - BRAVO to the writers, and obviously to the Sheen.
Tim from SPACED
most people i have met in my life dont understand how percentages work. figuring APR out would melt their brain, even if you explained it to them fully. best to just not bother. if you cant figure this out on your own, your just not meant to understand it, and most likely wouldnt no matter how much effort was put into it.
It's a valid point but you'd have to be dick not to get a pint in for a mate who got you out of a short term mire
Believe it or not, this might be the most important thing you ever read… How do you get saved? How do you go to Heaven? What does the Bible say about salvation? Here’s salvation plain and simple: All have fallen short of God’s glory and perfect moral standard: all have sinned (Romans 3:23), and just one sin makes us deserving of Hell (James 2:10). I’ve lied, you’ve lied . . pretty simple. God requires absolute perfection to enter Heaven because He is perfectly holy and righteous. God doesn’t want us to be separated from Him, He loves us and He loves you . . . the Bible says He is a loving friend who sticks closer than a brother. Would a loving God make salvation difficult? Of course not! What did He do to fix this sin problem? God left Glory in Heaven, manifested Himself in the flesh as a human, Jesus Christ, never once sinned, perfectly fulfilled the law, did not deserve punishment, yet He became OUR sin for US. John the Baptist said about Jesus: “Behold the lamb of God, which taketh away the sin of the world.” Colossians 2:14 says “Blotting out the handwriting of ordinances that was against us, which was contrary to us, and took it out of the way, nailing it to his cross;” And, right before Jesus died, He declared “It is finished!” In other words, the debt of sin has been paid off in full (past, present, and future sins) by His death on the cross. He finished all of the work, and thus, there is no work for you to do. Ephesians 2:8-9 says “For by grace are ye saved through faith; and that NOT OF YOURSELVES: it is the gift of God: Not of works, lest any man should boast.” After this, He was buried in a tomb. On the third day, He bodily resurrected from the grave and was seen alive by over 500 people at once and also the disciples and the apostles. Hard for you to believe in the resurrection? Well, these disciples and apostles, like Paul, went on to preach this Gospel, were severely persecuted, and suffered horrific deaths for their faith. Would they suffer trials and death for a lie? How do you accept this free gift of salvation and forgiveness of all your sins so that you can be promised everlasting life? Jesus answers this in John 3:16 “For God so loved the world, that he gave his only begotten Son, that whosoever BELIEVETH in him should not perish, but have everlasting life.” When Jesus spoke to Martha, He said: “ . . I am the resurrection, and the life: he that BELIEVETH in me, though he were dead, yet shall he live: And whosoever liveth and BELIEVETH in me shall NEVER DIE. Believest thou this?” (John 11:25-26). Do you notice a common theme here? To be saved, all you must do is believe the Gospel, that the Lord Jesus Christ died for all your sins past, present, and future, was buried, and rose from death on the third day, and trust in that alone for your salvation believing that you can never lose your salvation because Jesus paid it all. The instant you do that, God seals you with the Holy Spirit of Promise and promises you everlasting life. Therefore, since salvation does not depend on your own behaviour or works or commitment to God or maintaining your faith, but depends solely on Jesus’ finished payment for your sin on the cross and defeat of death when He rose from it, you can be 100% sure that you will go to Heaven. 1 John 5:13 says “These things have I written unto you that BELIEVE on the name of the Son of God; that ye may know that ye have eternal life, and that ye may BELIEVE on the name of the Son of God.” I pray that today is the day of your salvation. Jesus loves you, and I love you too. The book of John and Romans are great places to start in the Bible. God bless you. Here are some additional verses: Acts 16:30-31 “And brought them out, and said, Sirs, what must I do to be saved? And they said, Believe on the Lord Jesus Christ, and thou shalt be saved, and thy house.” John 6:28-29 “Then said they unto him, What shall we do, that we might work the works of God? Jesus answered and said unto them, This is the work of God, that ye believe on him whom he hath sent.” John 6:40 “And this is the will of him that sent me, that every one which seeth the Son, and believeth on him, may have everlasting life: and I will raise him up at the last day.” John 5:24 “Verily, verily, I say unto you, He that heareth my word, and believeth on him that sent me, hath everlasting life, and shall not come into condemnation; but is passed from death unto life.” Titus 3:5 “Not by works of righteousness which we have done, but according to his mercy he saved us, by the washing of regeneration, and renewing of the Holy Ghost;”