0:00:00.000,0:00:02.560 Le te pergjithesojme pak ate se cka mesuam 0:00:02.560,0:00:03.830 ne prezantimin e kaluar. 0:00:03.830,0:00:07.280 Te themi qe une do te huazoj P dollare. 0:00:07.280,0:00:08.790 P dollare, jane aq sa kam huazuar, pra ato jane 0:00:08.790,0:00:10.740 principali im fillestar. 0:00:10.740,0:00:14.728 Pra, ky eshte principali. 0:00:14.728,0:00:17.070 r eshte e barabarte me normen, normen e interesit qe 0:00:17.070,0:00:18.310 jam duke huazuar. 0:00:18.310,0:00:22.600 Mund ta shkruajme ate si 100%, apo jo? 0:00:22.600,0:00:24.370 Dhe do ta huazoj ate per--mire, une 0:00:24.370,0:00:29.156 nuk e di sakte--te themi per T vite. 0:00:29.190,0:00:32.210 Te shohim nese do te mund ta bejme nje ekuacion per ta sqaruar 0:00:32.210,0:00:35.960 se sa shume do te kem borxh ne fund te T viteve duke perdorur 0:00:35.960,0:00:38.170 ose interesin e thjeshte ose ate te perbere. 0:00:38.170,0:00:41.450 Ta bejme interesin e thjeshte se pari meqe eshte i thjeshte. 0:00:41.450,0:00:48.460 Pra, ne kohen 0--pra te bejme kete tek boshti i kohes--sa 0:00:48.460,0:00:49.310 shume do te kem borxh? 0:00:49.310,0:00:51.950 Pra, kjo eshte ne rregull kur e huazova, pra nese kam kthyer 0:00:51.950,0:00:55.220 borxhin menjehere, do te kisha borxh shumen P, mire? 0:00:55.220,0:01:00.730 Ne kohen 1, une kam borxh P plus interesin, plus ti disi do te mund 0:01:00.730,0:01:04.460 ta shohesh ate si komision per ato para, dhe kjo eshte r here P. 0:01:04.460,0:01:06.390 Dhe kjo paraprakisht, ne shembullin e kaluar, 0:01:06.390,0:01:07.900 ne videon e kaluar, ishte 10%. 0:01:07.900,0:01:11.043 P ishte 100, sepse une kisha per te paguar $10 per te marre ato para hua 0:01:11.043,0:01:13.265 per nje vit, do te paguaja $110. 0:01:13.265,0:01:18.610 Dhe kjo eshte po e njejta sikurse P here 1 plus r, ne rregull? 0:01:18.610,0:01:21.830 Meqe mund te perdoresh 1P plus rP. 0:01:21.830,0:01:24.080 Pas dy viteve, sa shume do te kemi borxh? 0:01:24.080,0:01:28.190 Mire pra, cdo vit, ne do te paguanim nje tjeter rP, mire? 0:01:28.190,0:01:30.860 Ne shembullin e kaluar, ishte nje tjeter $10. 0:01:30.860,0:01:34.000 Pra, nese kjo eshte 10%, cdo vit ne do te paguanim 10% te 0:01:34.000,0:01:35.360 principalit tone fillestar. 0:01:35.360,0:01:38.730 Prandaj, pas dy viteve ne do te kemi borxh P plus rP--keto kishim borxh 0:01:38.730,0:01:42.500 ne vitin e pare 1-- dhe pastaj nje tjeter rP, qe eshte e barabarte 0:01:42.500,0:01:45.350 me P plus 1 plus 2r. 0:01:45.350,0:01:47.720 Dhe do ta thjeshtonim P, per te fituar 1 plus r 0:01:47.720,0:01:49.840 plus r, pra 1 plus 2r. 0:01:49.840,0:01:54.770 Pastaj ne vitin e 3-te, ne do te kishin borxh ate se cfare kishim ne vitin e 2-te, 0:01:54.770,0:02:00.330 Pra, P plus rP plus rP, dhe pastaj ne do te paguanim nje tjeter rP, dhe nje tjeter 0:02:00.330,0:02:03.830 themi, qe nese 10%, ose 50% e pjeses tone te principalit fillestar, 0:02:03.830,0:02:10.300 plus rP, dhe kjo do te jete e barabarte me P here 1 plus 3r. 0:02:10.300,0:02:15.910 Pra, pas t vitesh, sa shume do te kemi borxh? 0:02:15.910,0:02:18.815 Pra, eshte principali yne fillestar here 1 plus, 0:02:18.815,0:02:22.330 do te ishte TR. 0:02:22.330,0:02:25.920 Mund ta shperbesh kete meqe cdo vit ne paguajme Pr, 0:02:25.920,0:02:27.390 dhe do te jete pas T vitesh. 0:02:27.390,0:02:28.970 Prandaj kjo ka kuptim. 0:02:28.970,0:02:31.940 Themi qe nese une do te huazoj-- 0:02:31.940,0:02:33.410 te bejme disa matje. 0:02:33.410,0:02:35.460 Ti do te mund ta kalkulosh ne kete menyre, dhe ju rekomandoj qe ta beni. 0:02:35.460,0:02:37.100 Ju nuk duhet ti mbani formulat permendesh. 0:02:37.100,0:02:45.820 Nese do te kisha huazuar $50 me 15% interes te thjeshte per 15--ose 0:02:45.820,0:02:50.700 te themi per 20 vite, ne fund te vitit te 20-te, une do te 0:02:50.700,0:03:04.000 kisha borxh $50 here 1 plus kohen 20 here 0.15, apo jo? 0:03:04.000,0:03:08.960 Kjo eshte e barabarte me $50 here 1 plus-- sa eshte 20 here 0.15? 0:03:08.960,0:03:11.220 Eshte 3, apo jo? 0:03:11.220,0:03:12.060 Po. 0:03:12.060,0:03:17.550 Pra, eshte 50 here 4, qe eshte e barabarte me $200 per 0:03:17.550,0:03:18.740 t'i huazuar per 20 vite. 0:03:18.740,0:03:22.920 Pra, $50 me 15% per 20 vite rezulton ne $200. 0:03:22.920,0:03:24.700 pagese per t'u paguar ne fund. 0:03:24.700,0:03:27.010 Pra, ky ishte interesi i thjeshte, dhe kjo ishte 0:03:27.010,0:03:28.370 formula per ta kalkuluar ate. 0:03:28.370,0:03:32.560 Ta shohim nese mund ta bejme te njejten me interesin e perbere. 0:03:32.560,0:03:39.108 Ta fshij gjithe kete. 0:03:39.108,0:03:42.800 Kjo nuk eshte menyra se si desha ta fshij kete. 0:03:42.800,0:03:48.202 Tash eshte mire. 0:03:48.202,0:03:53.430 Ok, pra me interes te perbere, pas 1 viti, eshte e njejta gje, 0:03:53.430,0:03:55.020 sikurse interesi i thjeshte, dhe kete e pame 0:03:55.020,0:03:55.820 ne videon e kaluar. 0:03:55.820,0:04:04.810 Une kam borxh P plus, tani kemi normes here P, dhe kjo eshte e barabarte me 0:04:04.810,0:04:08.190 P here 1 plus r. 0:04:08.190,0:04:09.450 Ne rregull. 0:04:09.450,0:04:12.810 Tani viti 2 eshte ku interesi i thjeshte dhe i perbere dallojne. 0:04:12.810,0:04:14.820 Ne interesin e thjeshte, ne vetem do te paguanim nje tjeter rP, dhe 0:04:14.820,0:04:17.170 do te ishte 1 plus 2r. 0:04:17.170,0:04:19.190 Ne interesin e perbere, kjo do te behet 0:04:19.190,0:04:22.010 principali yne i ri, apo jo? 0:04:22.010,0:04:25.050 Pra, nese ky eshte principali yne i ri, ne do te paguajme 0:04:25.050,0:04:28.370 1 plus r here kete, apo jo? 0:04:28.370,0:04:29.820 Principali yne fillestar ishte P. 0:04:29.820,0:04:35.000 Pas nje viti, ne paguam 1 plus r here principali yne origjinal 0:04:35.000,0:04:38.270 here 1 plus normen r. 0:04:38.270,0:04:42.520 Pra, per te shkuar ne vitin e 2-te, ne do te paguanim ate se cka kemi boxh 0:04:42.520,0:04:47.640 ne fund te vitit te 1-re, qe eshte P here 1 plus r,dhe pastaj 0:04:47.640,0:04:49.640 do ta rrisim kete me perqindjen r. 0:04:49.640,0:04:53.240 Pra, do ta shumezojme ate prap here 1 plus r. 0:04:58.040,0:05:02.900 Dhe kjo do te jete e barabarte me P here 1 plus r ne katror. 0:05:02.900,0:05:04.950 Pra, menyra qe ti ta shohesh kete, ne interesin e thjeshte, 0:05:04.950,0:05:09.170 eshte qe cdo vit ne shtuam nje Pr. 0:05:09.170,0:05:12.330 Ne interesin e thjeshte, ne shtuam plus Pr cdo vit. 0:05:12.330,0:05:16.760 Nese kjo do te jete nje $50 me 15%, cdo vit ne do te shtonim 0:05:16.760,0:05:19.840 $3--ne shtojme--cka? 0:05:19.840,0:05:20.460 50% 0:05:20.460,0:05:23.520 Pra, ne shtojme interes prej $7.5, ku P eshte principali, 0:05:23.520,0:05:24.560 r eshte norma. 0:05:24.560,0:05:27.480 Ne interesin e perbere, cdo vit ne shumezojme 0:05:27.480,0:05:31.680 principalin here 1 plus normen, mire? 0:05:31.680,0:05:33.930 Prandaj, nese shkojme ne vitin e 3-te, ne do te shumezojme 0:05:33.930,0:05:35.230 kete here 1 plus r. 0:05:35.230,0:05:39.090 Pra, viti i 3-te eshte P here 1 plus 3 ne fuqine kub. 0:05:39.090,0:05:42.160 Prandaj, viti T do te jete principali here 1 plus 0:05:42.160,0:05:45.240 r ne fuqine T. 0:05:45.240,0:05:47.980 Pra, ta shohim kete shembull. 0:05:47.980,0:05:50.870 Ne kemi borxh $200 ne shembullin me interes te thjeshte. 0:05:50.870,0:05:53.190 Ta shohim sa do te kemi borxh ne shembullin me interes te perbere. 0:05:53.190,0:05:59.211 Principali eshte $50. 0:05:59.211,0:06:00.640 1 plus--sa eshte norma? 0:06:00.640,0:06:02.690 0.15 0:06:02.690,0:06:06.180 Dhe huazojme per 20 vite. 0:06:06.180,0:06:14.910 Pra, kjo eshte e barabarte me 50 here 1.15 ne fuqine e 20-te. 0:06:14.910,0:06:18.070 E di qe nuk mund ta lexosh ate, por me lejo ta shoh se cka 0:06:18.070,0:06:20.680 te bejme per fuqine e 20-te. 0:06:20.680,0:06:28.259 Ta perdori Excel-in tim dhe ta zgjidhim kete. 0:06:28.259,0:06:31.840 Ne fakt, me duhet ta perdor vetem miun tim ne vend te lapsit 0:06:31.840,0:06:34.950 per te pastruat cdo gje. 0:06:34.950,0:06:36.770 Ok, rastesisht do ta zgjedh nje pike. 0:06:36.770,0:06:42.220 Pra vetem du qe--plus 1.15 ne fuqine e 20-te, dhe ti 0:06:42.220,0:06:46.940 mund ta perdoresh kalkulatorin tim: 16.37, te themi ashtu, 0:06:46.940,0:06:55.460 Kjo eshte e barabarte me 50 here 16.37. 0:06:55.460,0:06:58.170 Pra, sa eshte 50 here ajo? 0:06:58.170,0:07:08.560 Plus 50 here ajo: $818. 0:07:08.560,0:07:11.780 Pra, tani mund ta kuptoni qe nese dikush ju jep borxh dhe 0:07:11.780,0:07:14.320 ju thote, oh, po pra, do te ju jap hua parate--ti ke nevoj per nje borxh 20 vjecar? 0:07:14.320,0:07:16.340 Do te ju jap hua me 15%. 0:07:16.340,0:07:19.840 Eshte shume e rendesishme ta qartesoni nese 0:07:19.840,0:07:24.400 do te ju ngarkoj me 15% interes te thjeshte ose 0:07:24.400,0:07:25.870 interes te perbere. 0:07:25.870,0:07:28.770 Meqe me interes te perbere, ti do te perfundosh duke paguar 0:07:28.770,0:07:31.900 te themi, nese huazon vetem $50, ti do te paguash 0:07:31.900,0:07:36.180 $618 me shume sesa nese huazon me interes te thjeshte. 0:07:36.180,0:07:40.480 Fatkeqesisht, ne boten reale, shume here eshte 0:07:40.480,0:07:41.690 interes i perbere. 0:07:41.690,0:07:44.250 Dhe jo vetem qe eshte i perbere, por ata shpeshhere nuk e 0:07:44.250,0:07:46.170 llogarisin te perbere per cdo vit, ose 0:07:46.170,0:07:48.810 per cdo gjashte muaj, por e llogarisin te perbere ne vazhdimesi. 0:07:48.810,0:07:50.830 Prandaj, duhet te shohesh disa nga videot e radhes mbi 0:07:50.830,0:07:53.750 interesin e perbere ne vazhdimesi, dhe 0:07:53.750,0:07:57.190 do te fillosh ta mesosh magjine e E-se. 0:07:57.190,0:08:01.202 Sidoqofte, shihemi ne videon e radhes.