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Le te pergjithesojme pak ate se cka mesuam

2
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ne prezantimin e kaluar.

3
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Te themi qe une do te huazoj P dollare.

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P dollare, jane aq sa kam huazuar, pra ato jane

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principali im fillestar.

6
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Pra, ky eshte principali.

7
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r eshte e barabarte me normen, normen e interesit qe

8
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jam duke huazuar.

9
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Mund ta shkruajme ate si 100%, apo jo?

10
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Dhe do ta huazoj ate per--mire, une

11
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nuk e di sakte--te themi per T vite.

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Te shohim nese do te mund ta bejme nje ekuacion per ta sqaruar

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se sa shume do te kem borxh ne fund te T viteve duke perdorur

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ose interesin e thjeshte ose ate te perbere.

15
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Ta bejme interesin e thjeshte se pari meqe eshte i thjeshte.

16
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Pra, ne kohen 0--pra te bejme kete tek boshti i kohes--sa

17
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shume do te kem borxh?

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Pra, kjo eshte ne rregull kur e huazova, pra nese kam kthyer

19
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borxhin menjehere, do te kisha borxh shumen P, mire?

20
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Ne kohen 1, une kam borxh P plus interesin, plus ti disi do te mund

21
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ta shohesh ate si komision per ato para, dhe kjo eshte r here P.

22
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Dhe kjo paraprakisht, ne shembullin e kaluar,

23
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ne videon e kaluar, ishte 10%.

24
00:01:07,900 --> 00:01:11,043
P ishte 100, sepse une kisha per te paguar $10 per te marre ato para hua

25
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per nje vit, do te paguaja $110.

26
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Dhe kjo eshte po e njejta sikurse P here 1 plus r, ne rregull?

27
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Meqe mund te perdoresh 1P plus rP.

28
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Pas dy viteve, sa shume do te kemi borxh?

29
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Mire pra, cdo vit, ne do te paguanim nje tjeter rP, mire?

30
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Ne shembullin e kaluar, ishte nje tjeter $10.

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Pra, nese kjo eshte 10%, cdo vit ne do te paguanim 10% te

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principalit tone fillestar.

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Prandaj, pas dy viteve ne do te kemi borxh P plus rP--keto kishim borxh

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ne vitin e pare 1-- dhe pastaj nje tjeter rP, qe eshte e barabarte

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me P plus 1 plus 2r.

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Dhe do ta thjeshtonim P, per te fituar 1 plus r

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plus r, pra 1 plus 2r.

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Pastaj ne vitin e 3-te, ne do te kishin borxh ate se cfare kishim ne vitin e 2-te,

39
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Pra, P plus rP plus rP, dhe pastaj ne do te paguanim nje tjeter rP, dhe nje tjeter

40
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themi, qe nese 10%, ose 50% e pjeses tone te principalit fillestar,

41
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plus rP, dhe kjo do te jete e barabarte me P here 1 plus 3r.

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Pra, pas t vitesh, sa shume do te kemi borxh?

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Pra, eshte principali yne fillestar here 1 plus,

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do te ishte TR.

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Mund ta shperbesh kete meqe cdo vit ne paguajme Pr,

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dhe do te jete pas T vitesh.

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Prandaj kjo ka kuptim.

48
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Themi qe nese une do te huazoj--

49
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te bejme disa matje.

50
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Ti do te mund ta kalkulosh ne kete menyre, dhe ju rekomandoj qe ta beni.

51
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Ju nuk duhet ti mbani formulat permendesh.

52
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Nese do te kisha huazuar $50 me 15% interes te thjeshte per 15--ose

53
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te themi per 20 vite, ne fund te vitit te 20-te, une do te

54
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kisha borxh $50 here 1 plus kohen 20 here 0.15, apo jo?

55
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Kjo eshte e barabarte me $50 here 1 plus-- sa eshte 20 here 0.15?

56
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Eshte 3, apo jo?

57
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Po.

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Pra, eshte 50 here 4, qe eshte e barabarte me $200 per

59
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t'i huazuar per 20 vite.

60
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Pra, $50 me 15% per 20 vite rezulton ne $200.

61
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pagese per t'u paguar ne fund.

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Pra, ky ishte interesi i thjeshte, dhe kjo ishte

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formula per ta kalkuluar ate.

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Ta shohim nese mund ta bejme te njejten me interesin e perbere.

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Ta fshij gjithe kete.

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Kjo nuk eshte menyra se si desha ta fshij kete.

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Tash eshte mire.

68
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Ok, pra me interes te perbere, pas 1 viti, eshte e njejta gje,

69
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sikurse interesi i thjeshte, dhe kete e pame

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ne videon e kaluar.

71
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Une kam borxh P plus, tani kemi normes here P, dhe kjo eshte e barabarte me

72
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P here 1 plus r.

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Ne rregull.

74
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Tani viti 2 eshte ku interesi i thjeshte dhe i perbere dallojne.

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Ne interesin e thjeshte, ne vetem do te paguanim nje tjeter rP, dhe

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do te ishte 1 plus 2r.

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Ne interesin e perbere, kjo do te behet

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principali yne i ri, apo jo?

79
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Pra, nese ky eshte principali yne i ri, ne do te paguajme

80
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1 plus r here kete, apo jo?

81
00:04:28,370 --> 00:04:29,820
Principali yne fillestar ishte P.

82
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Pas nje viti, ne paguam 1 plus r here principali yne origjinal

83
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here 1 plus normen r.

84
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Pra, per te shkuar ne vitin e 2-te, ne do te paguanim ate se cka kemi boxh

85
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ne fund te vitit te 1-re, qe eshte P here 1 plus r,dhe pastaj

86
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do ta rrisim kete me perqindjen r.

87
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Pra, do ta shumezojme ate prap here 1 plus r.

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Dhe kjo do te jete e barabarte me P here 1 plus r ne katror.

89
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Pra, menyra qe ti ta shohesh kete, ne interesin e thjeshte,

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eshte qe cdo vit ne shtuam nje Pr.

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Ne interesin e thjeshte, ne shtuam plus Pr cdo vit.

92
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Nese kjo do te jete nje $50 me 15%, cdo vit ne do te shtonim

93
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$3--ne shtojme--cka?

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50%

95
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Pra, ne shtojme interes prej $7.5, ku P eshte principali,

96
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r eshte norma.

97
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Ne interesin e perbere, cdo vit ne shumezojme

98
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principalin here 1 plus normen, mire?

99
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Prandaj, nese shkojme ne vitin e 3-te, ne do te shumezojme

100
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kete here 1 plus r.

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Pra, viti i 3-te eshte P here 1 plus 3 ne fuqine kub.

102
00:05:39,090 --> 00:05:42,160
Prandaj, viti T do te jete principali here 1 plus

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r ne fuqine T.

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Pra, ta shohim kete shembull.

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Ne kemi borxh $200 ne shembullin me interes te thjeshte.

106
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Ta shohim sa do te kemi borxh ne shembullin me interes te perbere.

107
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Principali eshte $50.

108
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1 plus--sa eshte norma?

109
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0.15

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Dhe huazojme per 20 vite.

111
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Pra, kjo eshte e barabarte me 50 here 1.15 ne fuqine e 20-te.

112
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E di qe nuk mund ta lexosh ate, por me lejo ta shoh se cka

113
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te bejme per fuqine e 20-te.

114
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Ta perdori Excel-in tim dhe ta zgjidhim kete.

115
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Ne fakt, me duhet ta perdor vetem miun tim ne vend te lapsit

116
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per te pastruat cdo gje.

117
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Ok, rastesisht do ta zgjedh nje pike.

118
00:06:36,770 --> 00:06:42,220
Pra vetem du qe--plus 1.15 ne fuqine e 20-te, dhe ti

119
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mund ta perdoresh kalkulatorin tim: 16.37, te themi ashtu,

120
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Kjo eshte e barabarte me 50 here 16.37.

121
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Pra, sa eshte 50 here ajo?

122
00:06:58,170 --> 00:07:08,560
Plus 50 here ajo: $818.

123
00:07:08,560 --> 00:07:11,780
Pra, tani mund ta kuptoni qe nese dikush ju jep borxh dhe

124
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ju thote, oh, po pra, do te ju jap hua parate--ti ke nevoj per nje borxh 20 vjecar?

125
00:07:14,320 --> 00:07:16,340
Do te ju jap hua me 15%.

126
00:07:16,340 --> 00:07:19,840
Eshte shume e rendesishme ta qartesoni nese

127
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do te ju ngarkoj me 15% interes te thjeshte ose

128
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interes te perbere.

129
00:07:25,870 --> 00:07:28,770
Meqe me interes te perbere, ti do te perfundosh duke paguar

130
00:07:28,770 --> 00:07:31,900
te themi, nese huazon vetem $50, ti do te paguash

131
00:07:31,900 --> 00:07:36,180
$618 me shume sesa nese huazon me interes te thjeshte.

132
00:07:36,180 --> 00:07:40,480
Fatkeqesisht, ne boten reale, shume here eshte

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interes i perbere.

134
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Dhe jo vetem qe eshte i perbere, por ata shpeshhere nuk e

135
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llogarisin te perbere per cdo vit, ose

136
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per cdo gjashte muaj, por e llogarisin te perbere ne vazhdimesi.

137
00:07:48,810 --> 00:07:50,830
Prandaj, duhet te shohesh disa nga videot e radhes mbi

138
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interesin e perbere ne vazhdimesi, dhe

139
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do te fillosh ta mesosh magjine e E-se.

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Sidoqofte, shihemi ne videon e radhes.