Yes, it's a wonderfully reliable test I'll test you today; I'll test you tomorrow; I'll test you next year; I'll test you the day you die; I'll get the same IQ score ? Is it a valid test?

是的，这是个非常可靠的测试,今天测试，明天再测试;,明年再测，到你死的那天再测;,得出的你的智商都还是一样,但这是个有效测试吗？

耶鲁公开课 - 心理学导论课程节选

I would take my income this year, invest it at the interest rate, and it would turn into Y today times and then I get income next year; so I could consume all that.

可以将今年收入,以利率水平投资,Y天后这份收入就会变成1+R倍,在获得明年的收入后,这些可以一起花掉

耶鲁公开课 - 金融市场课程节选