What this equation merely says is that the present value of your remaining payments is always equal to the mortgage balance.
这个等式说明了,剩余偿还额的现值,就等于抵押贷款的余额
Instead of imagining lobotomizing us, turning us into rats, suppose we just say, look, the problem is really this.
这次不用额叶切除术把我们变成老鼠,问题的症结是。
There is the frontal lobe, easy to remember, it's part in front, the parietal lobe, the occipital lobe, and the temporal lobe.
有额叶,很好记,是前面的部分,枕叶,还有颞叶
When you first bought the house they told you what the mortgage payment was and they're fixing that forever, well for thirty years.
最初你买这套房子的时候,他们已经告诉你每月偿还额是多少,在未来30年里这是固定的
Well, there I might be factoring in the frontal lobe because much of the short-term memory in particular is in the frontal lobe.
那么,额叶会发挥作用,因为大部分的短期记忆,都由额叶进行处理
And this is in an isolated, in an adiabatic container.
这应该是个很简单的问题,桨轮处在一个与外界隔离额绝热环境中。
Um, the number of illegal immigrants now in the country is about 12 million.
额,目前美国境内的非法移民,大约为1,200万。
Bind them as a sign on your hand and let them serve as a symbol on your forehead; inscribe them on the doorposts of your house and on your gates.So love and loyalty to God is the foundation of the Torah but Torah is the fulfillment of this love and loyalty: studying it and observing it and teaching it and transmitting it.
也要系在手上为记号,戴在额上为经文,又要写在你房屋的门框上,并你的城门上,那么对上帝的爱和忠诚是律法卷的基础,但律法卷,是这种爱和忠诚的实现:学习它,观察它,教授它,传播它。
So the take away is that if the user actually gives me two or three or four or whatever, this is this expression "is n less than 1" is going to evaluate to false if it's actually two or three or four or whatever.
所以先不管用户实际上给我,3,4还是其他数,这个表达式,“是否n小于1“将被评估为错误的,如果输入额是2,3,4或其它的数。
All right. If you flip to the second side of your handout, you'll see that I have a piece of code there, that does this-- let me, ah, I didn't want to do that, let me back up slightly- this is the algorithm called search.
你可以看到实现这个功能的代码,让我,额,我不想这么做,让我们回来一点,这就是命名为search的算法-,我们来看看这个算法吧。
The mortgage payment was decided when you took out the mortgage, so that never changes; they than figure out what your mortgage balance is.
每月偿还额是一开始确定的,因此不变,这样就能算出当前的贷款余额
So, you have parts of your brain that are basically telling you now, largely in the frontal lobes, that are--"Okay. Keep your pants on.
现在在你的大脑中,会有脑组织告诉你,主要是额叶,"好了,穿好裤子
The only way to avoid that is to lobotomize me, and that's not desirable.
唯一的解决方法是作额叶切除术,那不是我想要的。
Do you want to be lobotomized where that's the only way, at least that we've got so far, to imagine a life that you would enjoy forever.
你们想接受额叶切除术吗,至少那是我们想到的唯一办法,去想象一种永远享受的生活。
In particular, they're not fully myelinated in their frontal lobes.
特别是他们额叶的髓鞘并未完全发育
How do they figure out what the mortgage payment is?
每月的偿还额如何计算呢
Other disorders that we'll discuss later on include acquired psychopathy, where damage to parts of your brain, particularly related to the frontal lobes, rob you of the ability to tell right from wrong.
稍后我们还将讨论些其他的障碍,包括,后天性精神紊乱,该病症是由于大脑特定区域遭受损伤,特别是额叶部分,会使你失去分辨是非的能力
It's for small investors because currently the limit on the SEC is $100,000; that's not a lot of money.
对于小额投资者,SEC规定的最低担保额为10万美元,实在不算多
This is how they actually compute the payments because you can take, if you want--if someone is borrowing -let's bring it up to today- they're borrowing $200,000.
这就是计算贷款偿还额的方法,比如,如果某人要借款,我们用现实的例子,假设要借20万美元
Then to get the monthly payment, you take the square bracketed thing and you divide by the mortgage balance and that's the monthly payment; that's how it's calculated.
如果要算每月偿还额,你用贷款余额,除以这个方括号的值,这样就得出每月偿还额,这就是每月偿还额的计算方法
Perhaps the right kind of lobotomy would do the trick.
适当的额叶切除术就能解决问题。
But if you were to make the mistake of trying to spend Boston money in New Haven they would get out Van Court's and then they would read the discount.
但是,如果你想,试着在纽黑文花波士顿的纸币,他们将拿出凡?科特的出版物,并且参阅上面标明的纸币价值兑现额。
Let me show you one more class, though about-- sorry, let me show you two more classes of algorithms. Let's look at the next one g- and there's a bug in your handout, it should be g of n and m, I apologize for that, I changed it partway through and didn't catch it.
请大家看,额,在你们的课堂材料中有个错误,应该是g,很抱歉-,我改了一部分这个错误但是没看到这里的,好,这儿的增长率,有人想猜猜么?
At every point of time your mortgage balance is equal to your mortgage payment times that square bracketed thing, where T is the amount of time you have left.
在每个时间点的抵押贷款余额,都等于每月偿还额乘以,方括号内的值,T是剩余年份数
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