[Script Info]
Title: 
[Events]
Format: Layer, Start, End, Style, Name, MarginL, MarginR, MarginV, Effect, Text
Dialogue: 0,0:00:00.00,0:00:03.00,Default,,0000,0000,0000,,Une do te flase sot per te kursyer me shume,
Dialogue: 0,0:00:03.00,0:00:06.00,Default,,0000,0000,0000,,por jo sot, neser.
Dialogue: 0,0:00:06.00,0:00:08.00,Default,,0000,0000,0000,,Une do te flas per Te Kursejme Me Shume Neser.
Dialogue: 0,0:00:08.00,0:00:10.00,Default,,0000,0000,0000,,Eshte programi qe Richard Thaler
Dialogue: 0,0:00:10.00,0:00:12.00,Default,,0000,0000,0000,,nga Universiteti i Çikagos dhe une
Dialogue: 0,0:00:12.00,0:00:15.00,Default,,0000,0000,0000,,qe e kemi shpikur ndoshta 15 vjet me pare.
Dialogue: 0,0:00:15.00,0:00:17.00,Default,,0000,0000,0000,,Ky program, nje nje menyre,
Dialogue: 0,0:00:17.00,0:00:19.00,Default,,0000,0000,0000,,eshte nje shembull i sjelljes financiare
Dialogue: 0,0:00:19.00,0:00:21.00,Default,,0000,0000,0000,,ne steroide --
Dialogue: 0,0:00:21.00,0:00:24.00,Default,,0000,0000,0000,,se si ne vertet mundemi te perdorim sjelljen financiare.
Dialogue: 0,0:00:24.00,0:00:27.00,Default,,0000,0000,0000,,Tani ju mund te pyesni, cfare eshte sjellje financiare?
Dialogue: 0,0:00:27.00,0:00:30.00,Default,,0000,0000,0000,,Le te mendojme rreth asaj se si ne i menaxhojme parate tona.
Dialogue: 0,0:00:30.00,0:00:33.00,Default,,0000,0000,0000,,Le te fillojme me garancite hipotekore.
Dialogue: 0,0:00:33.00,0:00:35.00,Default,,0000,0000,0000,,Eshte ceshtje e kohes se fundit,
Dialogue: 0,0:00:35.00,0:00:37.00,Default,,0000,0000,0000,,te pakten ne Amerike.
Dialogue: 0,0:00:37.00,0:00:39.00,Default,,0000,0000,0000,,Shumica e njerezve blejne
Dialogue: 0,0:00:39.00,0:00:42.00,Default,,0000,0000,0000,,shtepine me te madhe qe mund te blene,
Dialogue: 0,0:00:42.00,0:00:45.00,Default,,0000,0000,0000,,dhe faktikisht pak me te madhe se ajo.
Dialogue: 0,0:00:45.00,0:00:48.00,Default,,0000,0000,0000,,Dhe me pas ata i heqin të drejtën mbi pronën e vënë në hipotekë
Dialogue: 0,0:00:48.00,0:00:50.00,Default,,0000,0000,0000,,Dhe me pas ata fajesojne bankat
Dialogue: 0,0:00:50.00,0:00:53.00,Default,,0000,0000,0000,,qe s'jane te mira duke i dhene atyre hipoteken.
Dialogue: 0,0:00:53.00,0:00:55.00,Default,,0000,0000,0000,,Le te mendojme
Dialogue: 0,0:00:55.00,0:00:57.00,Default,,0000,0000,0000,,si te menaxhojme riskun --
Dialogue: 0,0:00:57.00,0:00:59.00,Default,,0000,0000,0000,,p.sh, duke investuar ne tregun e aksioneve.
Dialogue: 0,0:00:59.00,0:01:02.00,Default,,0000,0000,0000,,Dy vjet me pare, tre vjet me pare, rreth pese vjet me perpara,
Dialogue: 0,0:01:02.00,0:01:04.00,Default,,0000,0000,0000,,tregjet ishin mire,
Dialogue: 0,0:01:04.00,0:01:07.00,Default,,0000,0000,0000,,Ne morem persiper riskun, sigurisht.
Dialogue: 0,0:01:07.00,0:01:09.00,Default,,0000,0000,0000,,Tregu aksione pati nje renie
Dialogue: 0,0:01:09.00,0:01:11.00,Default,,0000,0000,0000,,dhe ne mendian "Wow.
Dialogue: 0,0:01:11.00,0:01:14.00,Default,,0000,0000,0000,,Keto humbje, ata i ndjene, emocionalisht,
Dialogue: 0,0:01:14.00,0:01:17.00,Default,,0000,0000,0000,,ndihen shume ndryshe
Dialogue: 0,0:01:17.00,0:01:20.00,Default,,0000,0000,0000,,nga cfare ne menduam rreth kesaj
Dialogue: 0,0:01:20.00,0:01:22.00,Default,,0000,0000,0000,,kur tregjet po ngriheshin."
Dialogue: 0,0:01:22.00,0:01:25.00,Default,,0000,0000,0000,,Keshtu qe ne me sa duhet nuk po benin ndonje pune te padhe
Dialogue: 0,0:01:25.00,0:01:27.00,Default,,0000,0000,0000,,kur vjen puna per te marre persiper rrezikun.
Dialogue: 0,0:01:27.00,0:01:30.00,Default,,0000,0000,0000,,Sa Iphone keni ?
Dialogue: 0,0:01:30.00,0:01:33.00,Default,,0000,0000,0000,,Ndonjeri? Shume mire.
Dialogue: 0,0:01:33.00,0:01:36.00,Default,,0000,0000,0000,,Une ve bast qe shumica nga ju
Dialogue: 0,0:01:36.00,0:01:39.00,Default,,0000,0000,0000,,siguroni telefonin tuaj --
Dialogue: 0,0:01:39.00,0:01:42.00,Default,,0000,0000,0000,,ju pa dyshim blini sigurimin duke pasur nje garanci te zgjatur.
Dialogue: 0,0:01:42.00,0:01:44.00,Default,,0000,0000,0000,,Cfare ndodh nese ju humbet telefoni ?
Dialogue: 0,0:01:44.00,0:01:46.00,Default,,0000,0000,0000,,N.q.s ju beni kete?
Dialogue: 0,0:01:46.00,0:01:48.00,Default,,0000,0000,0000,,Sa nga ju keni femije?
Dialogue: 0,0:01:48.00,0:01:50.00,Default,,0000,0000,0000,,Ndonjeri?
Dialogue: 0,0:01:50.00,0:01:52.00,Default,,0000,0000,0000,,Mbani duart lart
Dialogue: 0,0:01:52.00,0:01:55.00,Default,,0000,0000,0000,,n.q.s keni sihurimin e jetes te mjaftueshem.
Dialogue: 0,0:01:55.00,0:01:57.00,Default,,0000,0000,0000,,Uen po shof shume duar qe ulen poshte.
Dialogue: 0,0:01:57.00,0:01:59.00,Default,,0000,0000,0000,,Une do te parashikoja,
Dialogue: 0,0:01:59.00,0:02:01.00,Default,,0000,0000,0000,,nqs se ti je perfaqesues per shembull,
Dialogue: 0,0:02:01.00,0:02:03.00,Default,,0000,0000,0000,,qe me shume se ju
Dialogue: 0,0:02:03.00,0:02:06.00,Default,,0000,0000,0000,,sigurojne Iphonet sesa jeten tuaj,
Dialogue: 0,0:02:06.00,0:02:08.00,Default,,0000,0000,0000,,madje edhe kur keni femije.
Dialogue: 0,0:02:08.00,0:02:11.00,Default,,0000,0000,0000,,Ne nuk po dukemi dhe aq mire kur vjen puna tek siguracioni.
Dialogue: 0,0:02:11.00,0:02:15.00,Default,,0000,0000,0000,,Mesatarja Amrikane e nje familje
Dialogue: 0,0:02:15.00,0:02:18.00,Default,,0000,0000,0000,,shpenzon 1,000 dollare ne vit
Dialogue: 0,0:02:18.00,0:02:20.00,Default,,0000,0000,0000,,per llotari.
Dialogue: 0,0:02:20.00,0:02:23.00,Default,,0000,0000,0000,,Dhe e di qe eshte cmenduri.
Dialogue: 0,0:02:23.00,0:02:26.00,Default,,0000,0000,0000,,Sa nga shpenzojne mijra dollare ne vit per llotarira?
Dialogue: 0,0:02:26.00,0:02:28.00,Default,,0000,0000,0000,,Asnjeri.
Dialogue: 0,0:02:28.00,0:02:31.00,Default,,0000,0000,0000,,Kjo na tregon ne qe njerzit jo ne kete ambjent
Dialogue: 0,0:02:31.00,0:02:33.00,Default,,0000,0000,0000,,shpenzojne me shume se nje mije
Dialogue: 0,0:02:33.00,0:02:36.00,Default,,0000,0000,0000,,per te arritur tek mesatarja e nje mijes.
Dialogue: 0,0:02:36.00,0:02:38.00,Default,,0000,0000,0000,,Njerzit me te ardhura te vogla
Dialogue: 0,0:02:38.00,0:02:42.00,Default,,0000,0000,0000,,shpenzojne shume me shume se nje mije neper llotarira.
Dialogue: 0,0:02:42.00,0:02:44.00,Default,,0000,0000,0000,,Pra ku do te na coje kjo >
Dialogue: 0,0:02:44.00,0:02:47.00,Default,,0000,0000,0000,,Ne nuk po bejme ndonjepune te madhe me menaxhimin e lekut.
Dialogue: 0,0:02:47.00,0:02:50.00,Default,,0000,0000,0000,,Vendimet financiar eshte me te vertet nje kombinim
Dialogue: 0,0:02:50.00,0:02:52.00,Default,,0000,0000,0000,,i psikologjise dhe ekonomikut,
Dialogue: 0,0:02:52.00,0:02:54.00,Default,,0000,0000,0000,,te arrish te kuptosh
Dialogue: 0,0:02:54.00,0:02:56.00,Default,,0000,0000,0000,,gabimet qe njerzit bejne me parane.
Dialogue: 0,0:02:56.00,0:02:58.00,Default,,0000,0000,0000,,Dhe do te qendroj ketu
Dialogue: 0,0:02:58.00,0:03:02.00,Default,,0000,0000,0000,,per 12 minuta dhe 53 sekonda qe me kane mbetur
Dialogue: 0,0:03:02.00,0:03:04.00,Default,,0000,0000,0000,,dhe te argetohetm me te gjitha menyrat e zgjedhjet
Dialogue: 0,0:03:04.00,0:03:06.00,Default,,0000,0000,0000,,per menagimin e parase,
Dialogue: 0,0:03:06.00,0:03:09.00,Default,,0000,0000,0000,,dhe ne fund ju do te me pyesni, " Si mund te ndihmojme njerzit?"
Dialogue: 0,0:03:09.00,0:03:12.00,Default,,0000,0000,0000,,Dhe kjo eshte me te vertet ajo qe dua te fokusohem sot.
Dialogue: 0,0:03:12.00,0:03:14.00,Default,,0000,0000,0000,,Si mund kemi nje kuptim
Dialogue: 0,0:03:14.00,0:03:17.00,Default,,0000,0000,0000,,te gabimeve qe njerzit bejne me parane,
Dialogue: 0,0:03:17.00,0:03:20.00,Default,,0000,0000,0000,,dhe pastaj te kthejme sjelljet sfiduese
Dialogue: 0,0:03:20.00,0:03:22.00,Default,,0000,0000,0000,,ne ate sjellje te zgjidhshme?
Dialogue: 0,0:03:22.00,0:03:24.00,Default,,0000,0000,0000,,Dhe une do te flas sot rreth
Dialogue: 0,0:03:24.00,0:03:26.00,Default,,0000,0000,0000,,programin Te Kursejme Me Shume Neser.
Dialogue: 0,0:03:26.00,0:03:28.00,Default,,0000,0000,0000,,Dua ta drejtoj kete ceshtje
Dialogue: 0,0:03:28.00,0:03:30.00,Default,,0000,0000,0000,,tek kursimet.
Dialogue: 0,0:03:30.00,0:03:32.00,Default,,0000,0000,0000,,Ne kemi ne monitor
Dialogue: 0,0:03:32.00,0:03:34.00,Default,,0000,0000,0000,,nje shembull tipik
Dialogue: 0,0:03:34.00,0:03:36.00,Default,,0000,0000,0000,,te 100 Amrikaneve.
Dialogue: 0,0:03:36.00,0:03:39.00,Default,,0000,0000,0000,,Dhe ne do te shikojme sjelljen e ketyre kursimeve.
Dialogue: 0,0:03:39.00,0:03:41.00,Default,,0000,0000,0000,,E para qe veme re eshte ,
Dialogue: 0,0:03:41.00,0:03:43.00,Default,,0000,0000,0000,,qe gjysma e tyre
Dialogue: 0,0:03:43.00,0:03:45.00,Default,,0000,0000,0000,,nuk kane te drejte
Dialogue: 0,0:03:45.00,0:03:47.00,Default,,0000,0000,0000,,ne nje plan 401(k).
Dialogue: 0,0:03:47.00,0:03:50.00,Default,,0000,0000,0000,,Ata nuk mund te kursejne kaq lehte.
Dialogue: 0,0:03:50.00,0:03:53.00,Default,,0000,0000,0000,,Ata nuk mund te lene t'ju ikin leket nga rroga
Dialogue: 0,0:03:53.00,0:03:55.00,Default,,0000,0000,0000,,tek nje plan 401(k)
Dialogue: 0,0:03:55.00,0:03:57.00,Default,,0000,0000,0000,,perpara se ta shohin ate,
Dialogue: 0,0:03:57.00,0:03:59.00,Default,,0000,0000,0000,,perpara se ta prekin ate.
Dialogue: 0,0:03:59.00,0:04:02.00,Default,,0000,0000,0000,,Po me gysmen tjeter te njerzve qe ngelen?
Dialogue: 0,0:04:02.00,0:04:05.00,Default,,0000,0000,0000,,Disa nga ata vendosin te mos kursejne.
Dialogue: 0,0:04:05.00,0:04:07.00,Default,,0000,0000,0000,,Ata jane shume pertace.
Dialogue: 0,0:04:07.00,0:04:10.00,Default,,0000,0000,0000,,Ata asnjehere nuk do te logohen ne nje uebsait te komplikuar
Dialogue: 0,0:04:10.00,0:04:13.00,Default,,0000,0000,0000,,dhe te klikojne 17 here per t'ju bashkuar planit 401(k) .
Dialogue: 0,0:04:13.00,0:04:15.00,Default,,0000,0000,0000,,Dhe me pas ata duhet te vendosin se si do ti investojne
Dialogue: 0,0:04:15.00,0:04:17.00,Default,,0000,0000,0000,,ne 52 mundesite e tyre,
Dialogue: 0,0:04:17.00,0:04:21.00,Default,,0000,0000,0000,,dhe ata kurre nuk e kane degjuar cfare eshte nje depozite tregu.
Dialogue: 0,0:04:21.00,0:04:23.00,Default,,0000,0000,0000,,Dhe ata jane te mbingarukuar dhe ata thjesht nuk e bejene kete.
Dialogue: 0,0:04:23.00,0:04:28.00,Default,,0000,0000,0000,,Sa njerez i shkojne deri ne fund planit 401(k) ?
Dialogue: 0,0:04:28.00,0:04:31.00,Default,,0000,0000,0000,,Nje e treta e Amerikaneve.
Dialogue: 0,0:04:31.00,0:04:33.00,Default,,0000,0000,0000,,Dy te tretat nuk kursejne sot .
Dialogue: 0,0:04:33.00,0:04:35.00,Default,,0000,0000,0000,,A arrijne te kursejne boll?
Dialogue: 0,0:04:35.00,0:04:37.00,Default,,0000,0000,0000,,Merreni me mend
Dialogue: 0,0:04:37.00,0:04:39.00,Default,,0000,0000,0000,,kush thote qe ata po kursejne shume pak.
Dialogue: 0,0:04:39.00,0:04:41.00,Default,,0000,0000,0000,,Nje nga te 10-tet
Dialogue: 0,0:04:41.00,0:04:44.00,Default,,0000,0000,0000,,a jane duke kursyer mjaft.
Dialogue: 0,0:04:44.00,0:04:46.00,Default,,0000,0000,0000,,9-te nga 10
Dialogue: 0,0:04:46.00,0:04:49.00,Default,,0000,0000,0000,,per me teper kursen permes planin te yre 401(k),
Dialogue: 0,0:04:49.00,0:04:52.00,Default,,0000,0000,0000,,vendosin te mos kursejne-- ose nuk vendosin --
Dialogue: 0,0:04:52.00,0:04:55.00,Default,,0000,0000,0000,,ose kursejne shume pak.
Dialogue: 0,0:04:55.00,0:04:57.00,Default,,0000,0000,0000,,Ne mendojme se kemi nje problem
Dialogue: 0,0:04:57.00,0:04:59.00,Default,,0000,0000,0000,,te njerzve qe kursejne shume.
Dialogue: 0,0:04:59.00,0:05:01.00,Default,,0000,0000,0000,,Le te shikojme kete.
Dialogue: 0,0:05:01.00,0:05:03.00,Default,,0000,0000,0000,,Ne kemi nje person --
Dialogue: 0,0:05:03.00,0:05:06.00,Default,,0000,0000,0000,,ok , ne do ta ndajme ate ne gjysem
Dialogue: 0,0:05:06.00,0:05:09.00,Default,,0000,0000,0000,,sepse eshte me pak se nje percend.
Dialogue: 0,0:05:09.00,0:05:12.00,Default,,0000,0000,0000,,Perafersisht gjysma perqind e Amerikaneve
Dialogue: 0,0:05:12.00,0:05:17.00,Default,,0000,0000,0000,,ndjejne qe ata kursejne shume.
Dialogue: 0,0:05:17.00,0:05:19.00,Default,,0000,0000,0000,,Cfare do te bejme rreth kesaj ?
Dialogue: 0,0:05:19.00,0:05:21.00,Default,,0000,0000,0000,,Kjo eshte vertete aty ku dua te fokusohem.
Dialogue: 0,0:05:21.00,0:05:23.00,Default,,0000,0000,0000,,Ne duhet te kutojme
Dialogue: 0,0:05:23.00,0:05:25.00,Default,,0000,0000,0000,,perse njerzit nuk po kursejne,
Dialogue: 0,0:05:25.00,0:05:27.00,Default,,0000,0000,0000,,dhe pastaj ne fatmirsisht te ndyshojme
Dialogue: 0,0:05:27.00,0:05:29.00,Default,,0000,0000,0000,,sjelljen dhe sfidat
Dialogue: 0,0:05:29.00,0:05:31.00,Default,,0000,0000,0000,,ne nje zgjidhje te sjellure,
Dialogue: 0,0:05:31.00,0:05:34.00,Default,,0000,0000,0000,,dhe me pas te shohim se sa e forte mund te jete.
Dialogue: 0,0:05:34.00,0:05:36.00,Default,,0000,0000,0000,,Me lejoni te transferoje per nje sekonde
Dialogue: 0,0:05:36.00,0:05:38.00,Default,,0000,0000,0000,,sikurse do te gjenim problemet
Dialogue: 0,0:05:38.00,0:05:41.00,Default,,0000,0000,0000,,sfidat, sfidat e sjelljes,
Dialogue: 0,0:05:41.00,0:05:43.00,Default,,0000,0000,0000,,keto i ndalojne njerzit te kursejne.
Dialogue: 0,0:05:43.00,0:05:47.00,Default,,0000,0000,0000,,Une do te tranferoje dhe te flas rreth bananeve dhe cokollata.
Dialogue: 0,0:05:47.00,0:05:50.00,Default,,0000,0000,0000,,Te supzojme se ne bejme nje event tjeter te TED-it javen qe vjen.
Dialogue: 0,0:05:50.00,0:05:52.00,Default,,0000,0000,0000,,Dhe gjate pushimit
Dialogue: 0,0:05:52.00,0:05:54.00,Default,,0000,0000,0000,,do te kishte ndonje sanduic
Dialogue: 0,0:05:54.00,0:05:56.00,Default,,0000,0000,0000,,dhe qe mu d te zgjidhni bananet ose cokollatat.
Dialogue: 0,0:05:56.00,0:05:59.00,Default,,0000,0000,0000,,Dhe sa nga ju do te mendonit sikur te kishit bananet
Dialogue: 0,0:05:59.00,0:06:01.00,Default,,0000,0000,0000,,gjate ketij eventi hippotetik te TEd-it javen qe vjen?
Dialogue: 0,0:06:01.00,0:06:03.00,Default,,0000,0000,0000,,Kush do te gjidhte bananet?
Dialogue: 0,0:06:03.00,0:06:05.00,Default,,0000,0000,0000,,E mrekullueshme.
Dialogue: 0,0:06:05.00,0:06:07.00,Default,,0000,0000,0000,,Une parashikoj shkencerisht
Dialogue: 0,0:06:07.00,0:06:10.00,Default,,0000,0000,0000,,74% nga ju do te zgjidhte bananet.
Dialogue: 0,0:06:10.00,0:06:14.00,Default,,0000,0000,0000,,Dhe kjo eshte te pakten ajo qe nje nga studimet e mrekullueshme kane parashikuar.
Dialogue: 0,0:06:15.00,0:06:18.00,Default,,0000,0000,0000,,Dhe pastaj te numurojne ditet
Dialogue: 0,0:06:18.00,0:06:22.00,Default,,0000,0000,0000,,dhe te shohin cfare njerzit kane mbaruar se ngreni.
Dialogue: 0,0:06:23.00,0:06:26.00,Default,,0000,0000,0000,,Te njejtit njerz qe e imagjinuar vehten e tyre
Dialogue: 0,0:06:26.00,0:06:28.00,Default,,0000,0000,0000,,duke ngrene banane
Dialogue: 0,0:06:28.00,0:06:30.00,Default,,0000,0000,0000,,mbaruan duke ngrene cokollata
Dialogue: 0,0:06:30.00,0:06:32.00,Default,,0000,0000,0000,,nje jave me vone.
Dialogue: 0,0:06:32.00,0:06:34.00,Default,,0000,0000,0000,,Vet-kontrolli
Dialogue: 0,0:06:34.00,0:06:37.00,Default,,0000,0000,0000,,nuk eshte nje problem per te arshmen.
Dialogue: 0,0:06:37.00,0:06:39.00,Default,,0000,0000,0000,,Eshte vetem problem tani
Dialogue: 0,0:06:39.00,0:06:43.00,Default,,0000,0000,0000,,kur cokollata eshte mbs nesh .
Dialogue: 0,0:06:43.00,0:06:46.00,Default,,0000,0000,0000,,Cfare duhet te kete per te bere me kohen dhe kursimet,
Dialogue: 0,0:06:46.00,0:06:49.00,Default,,0000,0000,0000,,kjo c'eshtje e plotesimit te menjehershem?
Dialogue: 0,0:06:49.00,0:06:53.00,Default,,0000,0000,0000,,Ose disa ekonomiste e quajne ate, paragjykim i tanishem.
Dialogue: 0,0:06:53.00,0:06:55.00,Default,,0000,0000,0000,,Ne mendojme rreth kursimeve. Ne e dime qe duhet te kursejme.
Dialogue: 0,0:06:55.00,0:06:58.00,Default,,0000,0000,0000,,Ne e dime qe ne do ta bejme ate vitin tjeter, por sot lete te harxhojme.
Dialogue: 0,0:06:58.00,0:07:00.00,Default,,0000,0000,0000,,Krishtlindjet jane duke afruar,
Dialogue: 0,0:07:00.00,0:07:03.00,Default,,0000,0000,0000,,ne mund shume mire te bleme shume dhurata per kedo qe njohim.
Dialogue: 0,0:07:03.00,0:07:07.00,Default,,0000,0000,0000,,keshtu qe kjo c'eshtje e paragykimit tone
Dialogue: 0,0:07:07.00,0:07:09.00,Default,,0000,0000,0000,,shkakton tek ne per te menduar per kursimet,
Dialogue: 0,0:07:09.00,0:07:11.00,Default,,0000,0000,0000,,dhe perfundon duke i prishur ato
Dialogue: 0,0:07:11.00,0:07:13.00,Default,,0000,0000,0000,,Le te flasim tani
Dialogue: 0,0:07:13.00,0:07:15.00,Default,,0000,0000,0000,,rreth nje jeter pengese ne sjellje per kusimet
Dialogue: 0,0:07:15.00,0:07:17.00,Default,,0000,0000,0000,,duke pasur te beje me nje inertesi.
Dialogue: 0,0:07:17.00,0:07:19.00,Default,,0000,0000,0000,,Por perseri, nje deviim i vogel
Dialogue: 0,0:07:19.00,0:07:22.00,Default,,0000,0000,0000,,per c'eshtjen e dhurimit te organeve.
Dialogue: 0,0:07:22.00,0:07:25.00,Default,,0000,0000,0000,,Nje studim i mrekullueshem duke krakasur vende te ndryshme.
Dialogue: 0,0:07:25.00,0:07:28.00,Default,,0000,0000,0000,,Do te shikojme dy qytete te ngjashme,
Dialogue: 0,0:07:28.00,0:07:31.00,Default,,0000,0000,0000,,Gjermania dhe Austria.
Dialogue: 0,0:07:31.00,0:07:33.00,Default,,0000,0000,0000,,Dhe ne Gjermani,
Dialogue: 0,0:07:33.00,0:07:35.00,Default,,0000,0000,0000,,nqs se ti do te dhurosh oraganet e tua --
Dialogue: 0,0:07:35.00,0:07:37.00,Default,,0000,0000,0000,,Zoti te falte eshte dicka e keqe
Dialogue: 0,0:07:37.00,0:07:39.00,Default,,0000,0000,0000,,do te ndodhi ty --
Dialogue: 0,0:07:39.00,0:07:42.00,Default,,0000,0000,0000,,kur mer patenten ose karten e identitetit.,
Dialogue: 0,0:07:42.00,0:07:44.00,Default,,0000,0000,0000,,ti kontrollon kutine e kursimeve,
Dialogue: 0,0:07:44.00,0:07:46.00,Default,,0000,0000,0000,,"Une dua te dhuroj organet e mia."
Dialogue: 0,0:07:46.00,0:07:48.00,Default,,0000,0000,0000,,Jo shume njerez i pleqejne listat.
Dialogue: 0,0:07:48.00,0:07:50.00,Default,,0000,0000,0000,,Kerkon perpjekje. te duhet te mendohesh.
Dialogue: 0,0:07:50.00,0:07:53.00,Default,,0000,0000,0000,,12 % e bejne kete.
Dialogue: 0,0:07:53.00,0:07:56.00,Default,,0000,0000,0000,,Austria, nje shtet fqinj,
Dialogue: 0,0:07:56.00,0:07:58.00,Default,,0000,0000,0000,,lehtesisht te ngashem, pak te ndryshem.
Dialogue: 0,0:07:58.00,0:08:00.00,Default,,0000,0000,0000,,Kush eshte ndryshimi?
Dialogue: 0,0:08:00.00,0:08:02.00,Default,,0000,0000,0000,,e pra, ju prape keni nje zgedhje.
Dialogue: 0,0:08:02.00,0:08:04.00,Default,,0000,0000,0000,,Ti do te vendosesh
Dialogue: 0,0:08:04.00,0:08:07.00,Default,,0000,0000,0000,,nese do ti dhurosh organet apo jo.
Dialogue: 0,0:08:07.00,0:08:09.00,Default,,0000,0000,0000,,Por kur ti merr patenten,
Dialogue: 0,0:08:09.00,0:08:11.00,Default,,0000,0000,0000,,ti shenon tel lista
Dialogue: 0,0:08:11.00,0:08:15.00,Default,,0000,0000,0000,,nqs ti nuk do qe ti dhurosh organet.
Dialogue: 0,0:08:15.00,0:08:17.00,Default,,0000,0000,0000,,Asnjeri nuk i shenon tek lista.
Dialogue: 0,0:08:17.00,0:08:19.00,Default,,0000,0000,0000,,Ky eshte nje lloj stermundimi i madh.
Dialogue: 0,0:08:19.00,0:08:22.00,Default,,0000,0000,0000,,1% e njerzve e shenojne ate. Te tjeret nuk bejne asgje.
Dialogue: 0,0:08:22.00,0:08:24.00,Default,,0000,0000,0000,,Per te mos bere asgje eshte shume e lehte.
Dialogue: 0,0:08:24.00,0:08:27.00,Default,,0000,0000,0000,,Jo shume njerzez i shenojne kutite e vogla te mundesive.
Dialogue: 0,0:08:27.00,0:08:29.00,Default,,0000,0000,0000,,Cfare jane keto perpjekje
Dialogue: 0,0:08:29.00,0:08:31.00,Default,,0000,0000,0000,,per te shptuar jete
Dialogue: 0,0:08:31.00,0:08:34.00,Default,,0000,0000,0000,,dhe te kesh disa oragane ne gjendje?
Dialogue: 0,0:08:34.00,0:08:36.00,Default,,0000,0000,0000,,Ne Gjermani, 12% e zgjedhin kete gje.
Dialogue: 0,0:08:36.00,0:08:39.00,Default,,0000,0000,0000,,12% jane organe te dhuruara.
Dialogue: 0,0:08:39.00,0:08:41.00,Default,,0000,0000,0000,,Shume sasi e paket e organeve,
Dialogue: 0,0:08:41.00,0:08:43.00,Default,,0000,0000,0000,,Zoti i perjashton, nws te duhet nje.
Dialogue: 0,0:08:43.00,0:08:46.00,Default,,0000,0000,0000,,Ne Austri, perseri, asnjeri nuk e shenon tek lista.
Dialogue: 0,0:08:46.00,0:08:49.00,Default,,0000,0000,0000,,Prandaj, 99% e njerzve
Dialogue: 0,0:08:49.00,0:08:51.00,Default,,0000,0000,0000,,jane organe te dhuruara.
Dialogue: 0,0:08:51.00,0:08:53.00,Default,,0000,0000,0000,,Kjo amulli, munges e veprimit.
Dialogue: 0,0:08:53.00,0:08:55.00,Default,,0000,0000,0000,,Kush eshte kundravajtja
Dialogue: 0,0:08:55.00,0:08:57.00,Default,,0000,0000,0000,,nqs se njerzit bejne dicka,
Dialogue: 0,0:08:57.00,0:09:00.00,Default,,0000,0000,0000,,nqs se ata i vonojne, nqs nuk i bejne nje zgjadhje tek lista?
Dialogue: 0,0:09:00.00,0:09:02.00,Default,,0000,0000,0000,,Shume e fuqishme.
Dialogue: 0,0:09:02.00,0:09:04.00,Default,,0000,0000,0000,,Ne do te flasim
Dialogue: 0,0:09:04.00,0:09:08.00,Default,,0000,0000,0000,,rreth asaj qe cfare ndodh nqs se njerzit jane te mbingarkuar dhe te friksuar
Dialogue: 0,0:09:08.00,0:09:11.00,Default,,0000,0000,0000,,per te bere zgjedhjet e planit 401(k).
Dialogue: 0,0:09:11.00,0:09:14.00,Default,,0000,0000,0000,,Ne do ti bejme ato ne menyre automatike per t'ju bashkuar planit,
Dialogue: 0,0:09:14.00,0:09:16.00,Default,,0000,0000,0000,,ose ata do te lihen jashte >
Dialogue: 0,0:09:16.00,0:09:19.00,Default,,0000,0000,0000,,Ne disa raste te planit 401(k),
Dialogue: 0,0:09:19.00,0:09:21.00,Default,,0000,0000,0000,,nqs njerzit nuk bejne asgje,
Dialogue: 0,0:09:21.00,0:09:24.00,Default,,0000,0000,0000,,kjo do te thote qe ata nuk po kursejne per pension,
Dialogue: 0,0:09:24.00,0:09:26.00,Default,,0000,0000,0000,,nws se ata nuk e bejne zgjedhjen tek kutia.
Dialogue: 0,0:09:26.00,0:09:29.00,Default,,0000,0000,0000,,Dhe te shenonsh tek kutia kerkon perpjekje.
Dialogue: 0,0:09:29.00,0:09:32.00,Default,,0000,0000,0000,,Keshtu qe ne folem rreth disa sfida e sjelljes.
Dialogue: 0,0:09:32.00,0:09:35.00,Default,,0000,0000,0000,,Edhe njehere para se te kthejme sfidat ne zgjidhje,
Dialogue: 0,0:09:35.00,0:09:37.00,Default,,0000,0000,0000,,duke pasur te bejme me majmune dhe molle..
Dialogue: 0,0:09:37.00,0:09:39.00,Default,,0000,0000,0000,,Jo, jo, jo, ky eshte nje sudim i vertete
Dialogue: 0,0:09:39.00,0:09:43.00,Default,,0000,0000,0000,,dhe ka te beje shume me sjelljen ekonomike.
Dialogue: 0,0:09:43.00,0:09:46.00,Default,,0000,0000,0000,,Nje grup majmunesh marrin e molle, ata jane shume te gezuar.
Dialogue: 0,0:09:46.00,0:09:48.00,Default,,0000,0000,0000,,Grupi tjeter marrin dy molle, njera i merret.
Dialogue: 0,0:09:48.00,0:09:50.00,Default,,0000,0000,0000,,Atyre ju ka mbetur edhe nje.
Dialogue: 0,0:09:50.00,0:09:53.00,Default,,0000,0000,0000,,Ata jane me te verte te inatosur.
Dialogue: 0,0:09:53.00,0:09:56.00,Default,,0000,0000,0000,,Pse na i morret mollen tone?
Dialogue: 0,0:09:56.00,0:09:59.00,Default,,0000,0000,0000,,Ky eshte enocioni i humbjes se mospelqimit.
Dialogue: 0,0:09:59.00,0:10:01.00,Default,,0000,0000,0000,,Ne merzitemi kur na humbin gjerat,
Dialogue: 0,0:10:01.00,0:10:04.00,Default,,0000,0000,0000,,edhe pse madje nuk ka shume rrezik.
Dialogue: 0,0:10:04.00,0:10:07.00,Default,,0000,0000,0000,,Do te uuroje te shkojet te ATM,
Dialogue: 0,0:10:07.00,0:10:09.00,Default,,0000,0000,0000,,dhe te terheqesh 100 dollare
Dialogue: 0,0:10:09.00,0:10:11.00,Default,,0000,0000,0000,,dhe ve re qe ti ke humbur nje nga keto biletat 20 dollareshe.
Dialogue: 0,0:10:11.00,0:10:13.00,Default,,0000,0000,0000,,Eshte shume e dhimbshme,
Dialogue: 0,0:10:13.00,0:10:15.00,Default,,0000,0000,0000,,megjithse, nuk do te thote gje.
Dialogue: 0,0:10:15.00,0:10:19.00,Default,,0000,0000,0000,,Keto 20 dollaremund te ishin nje dreke e shpejte.
Dialogue: 0,0:10:19.00,0:10:23.00,Default,,0000,0000,0000,,Pra ky nocion i mospeqimit
Dialogue: 0,0:10:23.00,0:10:26.00,Default,,0000,0000,0000,,duket sikur te shkelmon kur vjen puna edhe per kursimet,
Dialogue: 0,0:10:26.00,0:10:28.00,Default,,0000,0000,0000,,sepse njerzit , menderisht
Dialogue: 0,0:10:28.00,0:10:31.00,Default,,0000,0000,0000,,dhe emocionalisht dhe intuitivisht
Dialogue: 0,0:10:31.00,0:10:33.00,Default,,0000,0000,0000,,forme e kursimit si nje humbje
Dialogue: 0,0:10:33.00,0:10:36.00,Default,,0000,0000,0000,,sepse mua me duhet te mos prishe leke.
Dialogue: 0,0:10:36.00,0:10:38.00,Default,,0000,0000,0000,,Keshtu qe ne folem rreth
Dialogue: 0,0:10:38.00,0:10:40.00,Default,,0000,0000,0000,,te gjitha llojete sfidave te sjelljes
Dialogue: 0,0:10:40.00,0:10:44.00,Default,,0000,0000,0000,,qe kane te bjene me kursimit eventualisht.
Dialogue: 0,0:10:44.00,0:10:47.00,Default,,0000,0000,0000,,Kurdo qe ti mendon rreth pelqimi te domosdoshem,
Dialogue: 0,0:10:47.00,0:10:50.00,Default,,0000,0000,0000,,dhe cokollatat ndryshe babanet,
Dialogue: 0,0:10:50.00,0:10:53.00,Default,,0000,0000,0000,,jane te dhimbshme per ti kursyer tani.
Dialogue: 0,0:10:53.00,0:10:55.00,Default,,0000,0000,0000,,Eshte me shume nje loje
Dialogue: 0,0:10:55.00,0:10:57.00,Default,,0000,0000,0000,,per te prishur leke tani.
Dialogue: 0,0:10:57.00,0:11:00.00,Default,,0000,0000,0000,,Ne folem rreth inertesise dhe dhurimit te oraganeve
Dialogue: 0,0:11:00.00,0:11:02.00,Default,,0000,0000,0000,,dhe lista per tu plotesuar.
Dialogue: 0,0:11:02.00,0:11:04.00,Default,,0000,0000,0000,,Nws se njerzit kane per she mbushur shume lista
Dialogue: 0,0:11:04.00,0:11:06.00,Default,,0000,0000,0000,,per tu fuur ne planin(401k),
Dialogue: 0,0:11:06.00,0:11:08.00,Default,,0000,0000,0000,,ata do te vazhdojne te mbajne te vonuar
Dialogue: 0,0:11:08.00,0:11:10.00,Default,,0000,0000,0000,,dhe te mos bashkohet.
Dialogue: 0,0:11:10.00,0:11:12.00,Default,,0000,0000,0000,,Ne fund, ne folem per humbjen e mospelqimit,
Dialogue: 0,0:11:12.00,0:11:14.00,Default,,0000,0000,0000,,dhe per majmunet dhe mollet.
Dialogue: 0,0:11:14.00,0:11:17.00,Default,,0000,0000,0000,,Nqs se njerzit coptohen menderisht
Dialogue: 0,0:11:17.00,0:11:20.00,Default,,0000,0000,0000,,per te kursyer per pensionin si nje humbje,
Dialogue: 0,0:11:20.00,0:11:23.00,Default,,0000,0000,0000,,ata nuk do te kursejne per pensionin.
Dialogue: 0,0:11:23.00,0:11:25.00,Default,,0000,0000,0000,,Keshtu, qe kemi keto sfida,
Dialogue: 0,0:11:25.00,0:11:27.00,Default,,0000,0000,0000,,dhe cfare Richard Thaler dhe une
Dialogue: 0,0:11:27.00,0:11:29.00,Default,,0000,0000,0000,,jemi gjithmone te mrekulluar nga --
Dialogue: 0,0:11:29.00,0:11:31.00,Default,,0000,0000,0000,,marrja e sjelljes financiare,
Dialogue: 0,0:11:31.00,0:11:33.00,Default,,0000,0000,0000,,suke e bere sjelljen financiare mbi steroidet
Dialogue: 0,0:11:33.00,0:11:35.00,Default,,0000,0000,0000,,ose sjelljes financiare 2.0
Dialogue: 0,0:11:35.00,0:11:37.00,Default,,0000,0000,0000,,ose sjelljes financiare ne veprim --
Dialogue: 0,0:11:37.00,0:11:41.00,Default,,0000,0000,0000,,te ktheje sfidat ne zgjdhje.
Dialogue: 0,0:11:41.00,0:11:44.00,Default,,0000,0000,0000,,Dhe ne erdhem me nje ne zgjidhje jashtezakonisht te thjeshte
Dialogue: 0,0:11:44.00,0:11:48.00,Default,,0000,0000,0000,,e quajtur Kurse Shume, jo sot, Neser.
Dialogue: 0,0:11:48.00,0:11:50.00,Default,,0000,0000,0000,,Si do ti zgjidhe sfidat
Dialogue: 0,0:11:50.00,0:11:52.00,Default,,0000,0000,0000,,qe ne folem rreth?
Dialogue: 0,0:11:52.00,0:11:54.00,Default,,0000,0000,0000,,Nqs mendon rreth problemit
Dialogue: 0,0:11:54.00,0:11:56.00,Default,,0000,0000,0000,,te bananeve kunder cokollatave,
Dialogue: 0,0:11:56.00,0:11:59.00,Default,,0000,0000,0000,,ne mendojme se do shkojne te hame banane javen qe vjen.
Dialogue: 0,0:11:59.00,0:12:02.00,Default,,0000,0000,0000,,Ne mendojme qe do e kursejme para vitin qe vjen.
Dialogue: 0,0:12:02.00,0:12:05.00,Default,,0000,0000,0000,,Kurse me shume Neser
Dialogue: 0,0:12:05.00,0:12:07.00,Default,,0000,0000,0000,,fton puntoret
Dialogue: 0,0:12:07.00,0:12:09.00,Default,,0000,0000,0000,,per te kursyer mndoshta me shume vitin tketer --
Dialogue: 0,0:12:09.00,0:12:11.00,Default,,0000,0000,0000,,disa here ne te ardhmen
Dialogue: 0,0:12:11.00,0:12:13.00,Default,,0000,0000,0000,,kur ne te imagjinojme vehten tone
Dialogue: 0,0:12:13.00,0:12:15.00,Default,,0000,0000,0000,,duke ngrene banane,
Dialogue: 0,0:12:15.00,0:12:17.00,Default,,0000,0000,0000,,per te qene vullnetare me shume ne komunitet,
Dialogue: 0,0:12:17.00,0:12:21.00,Default,,0000,0000,0000,,duke bere me shume dhe duke bere gjerat e duhura nekete planet.
Dialogue: 0,0:12:21.00,0:12:24.00,Default,,0000,0000,0000,,Tani ne githshtu folem rreth kutise ne listen e gjerave
Dialogue: 0,0:12:24.00,0:12:27.00,Default,,0000,0000,0000,,dhe veshtiresia eshte per te vepruar.
Dialogue: 0,0:12:27.00,0:12:29.00,Default,,0000,0000,0000,,Kurse me shune Neser
Dialogue: 0,0:12:29.00,0:12:31.00,Default,,0000,0000,0000,,beje te lehte.
Dialogue: 0,0:12:31.00,0:12:33.00,Default,,0000,0000,0000,,eshte si nje atuto pilot.
Dialogue: 0,0:12:33.00,0:12:37.00,Default,,0000,0000,0000,,Njehere me thate mua qe donit te kursenit me shume leke ne te ardhmen,
Dialogue: 0,0:12:37.00,0:12:39.00,Default,,0000,0000,0000,,ke te themi ne Janar
Dialogue: 0,0:12:39.00,0:12:42.00,Default,,0000,0000,0000,,ju do te mund te kurseni ne menyre automatike
Dialogue: 0,0:12:42.00,0:12:45.00,Default,,0000,0000,0000,,dhe do t'ju dali nga fatura e planit 401(k)
Dialogue: 0,0:12:45.00,0:12:47.00,Default,,0000,0000,0000,,perpara se ta shifni , perpara se ta prekni ate,
Dialogue: 0,0:12:47.00,0:12:49.00,Default,,0000,0000,0000,,perpara se te vini te c'eshtja
Dialogue: 0,0:12:49.00,0:12:52.00,Default,,0000,0000,0000,,e kenaqsise te menjehershme.
Dialogue: 0,0:12:52.00,0:12:55.00,Default,,0000,0000,0000,,Por cfare do te bejme rreth majuneve
Dialogue: 0,0:12:55.00,0:12:57.00,Default,,0000,0000,0000,,dhe mospelqimit humbes
Dialogue: 0,0:12:57.00,0:12:59.00,Default,,0000,0000,0000,,Janarin qe vjen
Dialogue: 0,0:12:59.00,0:13:01.00,Default,,0000,0000,0000,,njerzit mund te kujtojne qe kane kursyer me shume,
Dialogue: 0,0:13:01.00,0:13:04.00,Default,,0000,0000,0000,,dhe kane harxhuar me pak , dhe kjo eshte e dhimbshme.
Dialogue: 0,0:13:05.00,0:13:07.00,Default,,0000,0000,0000,,E pra, ndoshta nuk duhet te jete Janari.
Dialogue: 0,0:13:07.00,0:13:10.00,Default,,0000,0000,0000,,Ndoshta ne duhet ti bejme njerzit qe te kursejne me shume
Dialogue: 0,0:13:10.00,0:13:13.00,Default,,0000,0000,0000,,kur ata bejne me shume leke.
Dialogue: 0,0:13:13.00,0:13:16.00,Default,,0000,0000,0000,,Menyra , kur ata bejne leke , kur ata marrin nje ngritje rroge,
Dialogue: 0,0:13:16.00,0:13:20.00,Default,,0000,0000,0000,,ata nuk mendojne per te ukin shpenzime e tyre.
Dialogue: 0,0:13:20.00,0:13:22.00,Default,,0000,0000,0000,,Ata marrin shume pak nga kjo rritjene faturen e shtepise
Dialogue: 0,0:13:22.00,0:13:24.00,Default,,0000,0000,0000,,dhe shpenzojne me shume --
Dialogue: 0,0:13:24.00,0:13:26.00,Default,,0000,0000,0000,,dhe shpenzojne me shume --
Dialogue: 0,0:13:26.00,0:13:28.00,Default,,0000,0000,0000,,merr shume pak nga kjo ngrtje
Dialogue: 0,0:13:28.00,0:13:30.00,Default,,0000,0000,0000,,dhe e fusrin tek plani 401(K).
Dialogue: 0,0:13:30.00,0:13:32.00,Default,,0000,0000,0000,,Pro ky eshte programi,
Dialogue: 0,0:13:32.00,0:13:34.00,Default,,0000,0000,0000,,pa
Dialogue: 0,0:13:34.00,0:13:36.00,Default,,0000,0000,0000,,por sic do te shihim me vone,
Dialogue: 0,0:13:36.00,0:13:38.00,Default,,0000,0000,0000,,jashtezakonisht i fuqishem.
Dialogue: 0,0:13:38.00,0:13:40.00,Default,,0000,0000,0000,,Se pare ne e implementojme ate,
Dialogue: 0,0:13:40.00,0:13:42.00,Default,,0000,0000,0000,,Richard Thaler dhe Une,
Dialogue: 0,0:13:42.00,0:13:45.00,Default,,0000,0000,0000,,brapa ne 1998.
Dialogue: 0,0:13:45.00,0:13:48.00,Default,,0000,0000,0000,,Nje kompany i mesme ne Midewest,
Dialogue: 0,0:13:48.00,0:13:50.00,Default,,0000,0000,0000,,me puntore me kollare blu
Dialogue: 0,0:13:50.00,0:13:52.00,Default,,0000,0000,0000,,qe perpiqen te paguajne faturat e tyre
Dialogue: 0,0:13:52.00,0:13:54.00,Default,,0000,0000,0000,,duke e perseritur na thonin neve
Dialogue: 0,0:13:54.00,0:13:57.00,Default,,0000,0000,0000,,qe ata nuk mund te kursejne para menjane.
Dialogue: 0,0:13:57.00,0:14:00.00,Default,,0000,0000,0000,,Per te kursyer sot nuk eshte nje opsion.
Dialogue: 0,0:14:00.00,0:14:02.00,Default,,0000,0000,0000,,Ne i propozuam ayre per te kursyer
Dialogue: 0,0:14:02.00,0:14:05.00,Default,,0000,0000,0000,,tre perqind te pike me shume
Dialogue: 0,0:14:05.00,0:14:08.00,Default,,0000,0000,0000,,cdo here qe ata merrin nje ngritje.
Dialogue: 0,0:14:08.00,0:14:11.00,Default,,0000,0000,0000,,Dhe ja ku jane reszultatet.
Dialogue: 0,0:14:11.00,0:14:13.00,Default,,0000,0000,0000,,Ne jemi duke pare ketu tre dhe nje gjysem periudhe,
Dialogue: 0,0:14:13.00,0:14:15.00,Default,,0000,0000,0000,,kater nritje pagesash,
Dialogue: 0,0:14:15.00,0:14:17.00,Default,,0000,0000,0000,,njerzit qe perpiqeshin te kursenin,
Dialogue: 0,0:14:17.00,0:14:19.00,Default,,0000,0000,0000,,po kursenin 3 perqind te faturave te tyre,
Dialogue: 0,0:14:19.00,0:14:21.00,Default,,0000,0000,0000,,tre vjet e gjysem me vone
Dialogue: 0,0:14:21.00,0:14:24.00,Default,,0000,0000,0000,,kursenin pothuajse 4 here me shume ,
Dialogue: 0,0:14:24.00,0:14:27.00,Default,,0000,0000,0000,,pothuajse 14 perqind.
Dialogue: 0,0:14:27.00,0:14:29.00,Default,,0000,0000,0000,,Dhe kemi kaepuce dhe bicikleta
Dialogue: 0,0:14:29.00,0:14:31.00,Default,,0000,0000,0000,,dhe disa gjerat ne kete diagram
Dialogue: 0,0:14:31.00,0:14:33.00,Default,,0000,0000,0000,,sepse une nuk dua te tregoj tani vetem shifra
Dialogue: 0,0:14:33.00,0:14:35.00,Default,,0000,0000,0000,,njehapsire.
Dialogue: 0,0:14:35.00,0:14:38.00,Default,,0000,0000,0000,,Une dua, vertete, te mendoj rreth faktit
Dialogue: 0,0:14:38.00,0:14:40.00,Default,,0000,0000,0000,,qe kur kusen 4 here me shume
Dialogue: 0,0:14:40.00,0:14:42.00,Default,,0000,0000,0000,,eshte nje ndyshim i madh
Dialogue: 0,0:14:42.00,0:14:44.00,Default,,0000,0000,0000,,ne menyre e te jetuarit
Dialogue: 0,0:14:44.00,0:14:46.00,Default,,0000,0000,0000,,qe njerzit mund te jene ne gjendje per ti marre.
Dialogue: 0,0:14:46.00,0:14:48.00,Default,,0000,0000,0000,,Eshte e vertet.
Dialogue: 0,0:14:48.00,0:14:51.00,Default,,0000,0000,0000,,Nuk jane vetem numra ne nje cope letre.
Dialogue: 0,0:14:51.00,0:14:53.00,Default,,0000,0000,0000,,Ndersa me kursimet tre perqind,
Dialogue: 0,0:14:53.00,0:14:55.00,Default,,0000,0000,0000,,njerzit mund te kene atlete te
Dialogue: 0,0:14:55.00,0:14:57.00,Default,,0000,0000,0000,,keshtu qe ata mund te ecin,
Dialogue: 0,0:14:57.00,0:15:01.00,Default,,0000,0000,0000,,sepse nuk do te jene ne gjendje per te blere ndonje gje jeter,
Dialogue: 0,0:15:01.00,0:15:03.00,Default,,0000,0000,0000,,kur ata kursejne 14%
Dialogue: 0,0:15:03.00,0:15:06.00,Default,,0000,0000,0000,,ata mund te kene mundesi te kene edhe kepuce kostumi
Dialogue: 0,0:15:06.00,0:15:09.00,Default,,0000,0000,0000,,per te ecur dhe per te rejtuar makinen.
Dialogue: 0,0:15:09.00,0:15:11.00,Default,,0000,0000,0000,,Ky eshte nje ndryshim i madh.
Dialogue: 0,0:15:11.00,0:15:16.00,Default,,0000,0000,0000,,Por tani rreth 60% e kompanive te medhaja
Dialogue: 0,0:15:16.00,0:15:19.00,Default,,0000,0000,0000,,aktualisht kane programe te tilla ne kete vend.
Dialogue: 0,0:15:19.00,0:15:22.00,Default,,0000,0000,0000,,Ka qene pjese e Aktit Brojtes te Pensionit.
Dialogue: 0,0:15:22.00,0:15:24.00,Default,,0000,0000,0000,,Dhe e pa nevojshme per te thene qe Thaleri dhe Une
Dialogue: 0,0:15:24.00,0:15:27.00,Default,,0000,0000,0000,,jane te bekuar per te qene pjese e ketij programi
Dialogue: 0,0:15:27.00,0:15:29.00,Default,,0000,0000,0000,,dhe te bejme ndryshime.
Dialogue: 0,0:15:29.00,0:15:31.00,Default,,0000,0000,0000,,Me lejoni te perfundoj
Dialogue: 0,0:15:31.00,0:15:34.00,Default,,0000,0000,0000,,me dy mesazhe te rendesihme.
Dialogue: 0,0:15:34.00,0:15:37.00,Default,,0000,0000,0000,,Njera eshte veprimet financiare
Dialogue: 0,0:15:37.00,0:15:40.00,Default,,0000,0000,0000,,jane jashtezakonisht te fuqishme.
Dialogue: 0,0:15:40.00,0:15:43.00,Default,,0000,0000,0000,,Ky eshte vetem nje shembull.
Dialogue: 0,0:15:43.00,0:15:45.00,Default,,0000,0000,0000,,Mesazhi dyte
Dialogue: 0,0:15:45.00,0:15:47.00,Default,,0000,0000,0000,,eshte qe ka shume per te bere.
Dialogue: 0,0:15:47.00,0:15:50.00,Default,,0000,0000,0000,,Ky eshte tamam maja e ajbergut.
Dialogue: 0,0:15:50.00,0:15:53.00,Default,,0000,0000,0000,,Nqs ju mendoni rreth njerzit dhe hipotekat
Dialogue: 0,0:15:53.00,0:15:56.00,Default,,0000,0000,0000,,duke blere shtepi e tejpor te mos qene e mundur ti paguash ato,
Dialogue: 0,0:15:56.00,0:15:58.00,Default,,0000,0000,0000,,ne na duhet te mendojme rreth tyre.
Dialogue: 0,0:15:58.00,0:16:01.00,Default,,0000,0000,0000,,Nqs ju jeni duke menduar rreth njerzve qe marrin shume reziqe
Dialogue: 0,0:16:01.00,0:16:04.00,Default,,0000,0000,0000,,dhe qe nuk kuptojne se sa rrezik ata kane marre
Dialogue: 0,0:16:04.00,0:16:06.00,Default,,0000,0000,0000,,ose te duke marre pak,
Dialogue: 0,0:16:06.00,0:16:08.00,Default,,0000,0000,0000,,ne duhet te mendojme rreth kesaj.
Dialogue: 0,0:16:08.00,0:16:11.00,Default,,0000,0000,0000,,Nqs ju mendoni rreth njerzve qe shpenzojne mijra dollare ne vit
Dialogue: 0,0:16:11.00,0:16:13.00,Default,,0000,0000,0000,,ne bileta lloratish,
Dialogue: 0,0:16:13.00,0:16:15.00,Default,,0000,0000,0000,,ne duhet te mendojem rreth kesaj.
Dialogue: 0,0:16:15.00,0:16:17.00,Default,,0000,0000,0000,,Mesatarja aktualisht,
Dialogue: 0,0:16:17.00,0:16:19.00,Default,,0000,0000,0000,,rekordi eshte ne Singapore.
Dialogue: 0,0:16:19.00,0:16:21.00,Default,,0000,0000,0000,,Mesatarja e nje pronari
Dialogue: 0,0:16:21.00,0:16:24.00,Default,,0000,0000,0000,,shpenzon $4,000 nje vite per bitela llotarie.
Dialogue: 0,0:16:24.00,0:16:26.00,Default,,0000,0000,0000,,Ne na duhet shume per te bere,
Dialogue: 0,0:16:26.00,0:16:28.00,Default,,0000,0000,0000,,shume per te zgjidhur,
Dialogue: 0,0:16:28.00,0:16:31.00,Default,,0000,0000,0000,,gjithashtu ne pjesen e pensionit
Dialogue: 0,0:16:31.00,0:16:33.00,Default,,0000,0000,0000,,kur vjen puna se c'fare njerzit bejne me parate e tyre
Dialogue: 0,0:16:33.00,0:16:35.00,Default,,0000,0000,0000,,mbas pensionit.
Dialogue: 0,0:16:35.00,0:16:37.00,Default,,0000,0000,0000,,Nje pyetje e fundit:
Dialogue: 0,0:16:37.00,0:16:40.00,Default,,0000,0000,0000,,Sa nga ju ndiheni te rrehatshem
Dialogue: 0,0:16:40.00,0:16:42.00,Default,,0000,0000,0000,,se qe nga momenti ju planifikoni per planin e pensionit
Dialogue: 0,0:16:42.00,0:16:45.00,Default,,0000,0000,0000,,ju keni nje plan te forte
Dialogue: 0,0:16:45.00,0:16:47.00,Default,,0000,0000,0000,,kur ju do te dilni ne pension,
Dialogue: 0,0:16:47.00,0:16:50.00,Default,,0000,0000,0000,,kur ju do te shkoni per te kerkuar perfitimete Social Security
Dialogue: 0,0:16:50.00,0:16:52.00,Default,,0000,0000,0000,,c'fare lloj jete ju prisni,
Dialogue: 0,0:16:52.00,0:16:54.00,Default,,0000,0000,0000,,sa shume shpenzon cdo muaj
Dialogue: 0,0:16:54.00,0:16:56.00,Default,,0000,0000,0000,,keshtu qe ju nuk do te nglelni pa leke?
Dialogue: 0,0:16:56.00,0:16:59.00,Default,,0000,0000,0000,,Sa nga ju ndiejne qe kane nje plan te forte per te ardhmen
Dialogue: 0,0:16:59.00,0:17:03.00,Default,,0000,0000,0000,,kur vjen puna per vendimet e mbas-pensionit.
Dialogue: 0,0:17:04.00,0:17:07.00,Default,,0000,0000,0000,,Nje, dy, tre, kater.
Dialogue: 0,0:17:07.00,0:17:09.00,Default,,0000,0000,0000,,Me pak se tre perqind
Dialogue: 0,0:17:09.00,0:17:11.00,Default,,0000,0000,0000,,e ketij auditori te sofistikuar.
Dialogue: 0,0:17:11.00,0:17:14.00,Default,,0000,0000,0000,,Veprimet financiare kane nje rruge te gjate.
Dialogue: 0,0:17:14.00,0:17:16.00,Default,,0000,0000,0000,,Ka shume mundesira
Dialogue: 0,0:17:16.00,0:17:20.00,Default,,0000,0000,0000,,per ta bere ate te fuqishem perseri dhe perseri dhe perseri.
Dialogue: 0,0:17:20.00,0:17:22.00,Default,,0000,0000,0000,,Falemderit.
Dialogue: 0,0:17:22.00,0:17:24.00,Default,,0000,0000,0000,,(Duartrokitje )