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Kemi mesuar gjerat qe sigurisht

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perbejne konceptet me te nevojshme ne jete,

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dhe mund te jene te njohura per ty, por nese nuk jane atehere

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shpresojme qe do te ndihmojne per te mos bankrotuar.

5
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Sidoqofte, do te flas per interesin, dhe pastaj

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interesin e thjeshte ne raport me interesin e perbere.

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Pra, cka eshte interesi?

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Ne te gjithe kemi ndegjuar per te.

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Normat e interesit, ose interesi ne kredine hipotekare, ose

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sa interes fitoj ne kredit kartelen time.

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Pra, interesi--nuk e di nese ky eshte definicioni aktual--

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ndoshta duhet ta shikoj ne Wikipedia--

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eshte esencial per te huazuar para.

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Pra, eshte paraja qe ti paguan per te mbajtur para

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per nje periudhe te caktuar.

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Kjo ndoshta nuk eshte definicioni me i sakte, por

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me mire ta parashtroj keshtu.

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Themi qe une dua te marr hua $100 nga ty.

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Pra, kjo ndodh tani.

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Themi qe kjo eshte nje vit nga tani.

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Nje vit.

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Dhe ky je ti, ndersa ky jam une.

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Tani ti m'i jep $100.

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Pastaj une i mbaj $100 dhe pas nje viti,

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une i kam ketu 100$.

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Nese do t'ju kisha kthyer ato $100,

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ti nuk do te merrje interes.

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Ti vetem do merrje parate tuaja mbrapa.

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Nuk do te fitoje interes.

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Por, nese do thoje qe do t'i jap $100 tani nese

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ti me kthen &100 pas nje viti.

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Nese kete situate, sa para te kam dhene per te mbajtur

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ate shume prej $100 per nje vit?

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Pra, po ju paguaj $10 me shume, apo jo?

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Marr hua $100, dhe kthej $10 tjere me shume.

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Pra, keto $10 shtese jane ne fakt

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komisioni qe paguaj per t'i mbajtur ato para dhe

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pavaresisht se cka deshiroja me parate, dhe ndoshta t'i ruaj

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ato, ndoshta te investoj m to, bej cfare te dua per nje vit.

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Dhe ato $10 jane ne fakt interesi.

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Menyra qe shpesh kalkulohet eshte perqindja

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e shumes origjinale qe eshte huazuar.

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Dhe shuma origjinale qe e kam huazuar ne terminologjine bankare

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quhet principal.

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Pra, ne kete rast komisioni ne parate ose interesi eshte $10.

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Nese do te deshiroja ta shpreh ne perqindje, do te thoja

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10 mbi principalin--mbi 100-- qe eshte e barabarte me 10%.

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Pra, ti do te mendoje keshtu, une po ti huazoj ty $100 nese

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ti me paguan 10% interes ne to.

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Pra, 10% interes ne $100 eshte $10, qe pas nje viti,

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une te paguaj ty $100, plus $10.

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Dhe anasjelltas.

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Pra, per cfaredo shume parash, ti do te deshiroje te me huazoje

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cfaredo shume me interes 10%.

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Pra, nese me huazon $1000, interesi

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do te ishte 10% ne te, qe eshte $100.

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Pra, pas nje viti une ju kam borxh $1000, plus 10% here $1000

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qe eshte e barabarte me $1100.

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Ne rregull, vetem shtova nje zero.

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Ne kete rast $100 do te ishte interesi, por

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do te ishte 10%.

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Pra, tani do te bejme dallimin ne mes te interesit te thjeshte

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dhe ineresit te perbere.

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Pra, ne vetem dhame nje shembull goxha te thjeshte ku ti

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me huazove para per nje vit me 10% interest, mire?

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Themi qe dikush me thote qe norma e interesit

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qe aplikon--ose norma e interesit qe aplikojne te njerezit e tjere--

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eshte-- te themi 10% interes i mire--10% ne vit.

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Themi qe principali qe do ta marr hua

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prej ketij personi eshte $100.

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Pra, pyetja ime per ty--dhe ndoshta ti do te doje te pritesh

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pasi qe une ta parashtroj-- eshte sa kam borxh pas 10 viteve?

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Sa kam borxh ne 10 vite?

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Pra, jane dy menyra per ta analizuar kete.

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Mund te thuash, Ok ne zerro vite-- sikur ti huazoja parate

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dhe t'i ktheja menjehere,

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do te ishte $100, mire?

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Nuk do ta bej kete, do te vazhdoj ti mbaj to

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per se paku nje vit.

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Keshtu qe pas nje viti, duke u bazuar ne kete shembull,

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une mund te shtoj 10% te asaj shume tek $100, dhe une

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do te kisha borxh $110.

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Pastaj, pas dy viteve, do te shtoja 10%

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prej principalit origjinal, mire?

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Pra, cdo vit une vetem shtoj $10.

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Ne kete rast do te ishte $120, dhe pas tri viteve,

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do te ishte $130.

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Faktikisht, komisioni im ne vit per te marre hua $100 eshte $10, apo jo?

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Sepse gjithmone marr 10% te shumes origjinale.

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Pas 10 vitesh--meqe cdo vit do te duhej te paguaj $10 shtese si interes--

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pas 10 vitesh une

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do te kisha borxh $200.

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Mire?

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Dhe shuma $200 eshte e barabarte me $100 si principal, plus $100 si interes

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meqe une paguaj $10 cdo vit.

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The ky nocion qe e shkruajta tani, ky ne fakt

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quhet interes i thjeshte.

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Ky nenkupton qe ti merr shumen origjinale

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qe huazon, normen e interesit, shumen, komisionin qe

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paguan cdo vit i cili eshte norma e interesit shumezuar per

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shumen fillestare, dhe ti vetem e paguan shtese

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ate cdo vit.

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Por nese mendon per kete me mire, ti ne te vertete e paguan

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nje perqindje gjithnje me te vogel te cilen e ke borxh

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gjate atij viti.

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Dhe ndoshta kur t'ua pershkruaj interesin e perbere

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do te shihni se si kjo merr kuptim.

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Pra, kjo eshte nje menyre per te pershkruan 10% interes per cdo vit.

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Nje menyre tjeter per ta interpretuar eshte, Ok pra, ne vitin zero shuma eshte $100

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te cilen ju e keni huazuar, ose nese ju eshte dhene paraja, ti thua

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oh jo jo, nuk i dua ato dhe vetem do ti kthej parate.

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Ti do kishe borxh $100.

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Pas nje viti, ti do te paguaje

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$100 plus 10% interes prej $100, qe eshte $110.

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Pra, kjo eshte $100, plus 10% prej $100.

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T'i nderrojme ngjyrat, meqe u be monotone.

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Mire pra, ti mendon qe kjo ka kuptim per ty.

118
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Dhe kjo eshte kur interesi i thjeshte dhe ai i perbere

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fillojne te dallojne.

120
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Ne situaten e fundit, ne vetem vazhduam te shtonim 10%

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prej shumes fillestare prej $100.

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Ne interesin e perbere tani, ne nuk marrim 10% prej

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shumes fillestare.

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Ne tani marrim 10% nga kjo shume.

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Pra, tani ne marrim $110.

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Pra, mund ta shihni kete si principalin tone te ri.

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Kjo eshte se sa shume ne ofrojme cdo vit, dhe pastaj

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ne do marrim borxh serish ate shume.

129
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Pra, tani ne do te fitojme $110 plus 10% interes here 110.

130
00:07:19,810 --> 00:07:23,220
Pra, ti mund ta thjeshtosh 110, dhe kjo do te jete

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e barabarte me 110 here 110.

132
00:07:32,950 --> 00:07:34,440
Ne fakt, 110 here 1.1

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Ne fakt mund ta rishkruaj ne kete menyre gjithashtu.

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Mund ta rishkruaj si 100 here 1.1 ne katror,

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qe eshte e barabarte me $121.

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Pastaj, ne vitin e dyte, ky do te jete principali im i ri--ky eshte

137
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$121--ky eshte pra principali i ri.

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Dhe tani duhet ta bej per vitin e trete--pra ky ishte viti i dyte.

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Pra, do te marr me shume hapesire, pra ky eshte viti i dyte.

140
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Dhe tani ne vitin e trete, do te paguaj $121

141
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qe kam huazuar ne fund te vitit te dyte, plus 10% here shumen

142
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e parave te cilat i kam huazuar gjate vitit, $121.

143
00:08:20,450 --> 00:08:22,950
Pra, kjo eshte e njejta gje--mund te vendosim kllapa perreth

144
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kesaj--pra kjo eshte e njejta gje sikurse 1 here 121 plus 0.1 here

145
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121, pra kjo eshte e njejta gje sikur se 1.1 here 121.

146
00:08:35,650 --> 00:08:38,800
Nje menyre tjeter per ta shikuar kete, eshte e barabarte me

147
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principalin tone fillestar here 1.1 ne fuqine e trete.

148
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Dhe nese vazhdon ta besh kete--dhe ju inkurajoj ta beni,

149
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sepse ne te vertete ju jep nje pasqyre-- ne fund te

150
00:08:48,660 --> 00:08:52,030
vitit te 10-te, ne do te kemi borxh, ose me mire te themi ju do te keni borxh,

151
00:08:52,030 --> 00:08:57,962
harrova kush ka huazuar nga kush--$100 here 1.1 ne fuqine e 10-te.

152
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Dhe me cka eshte kjo e barabarte?

153
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Ta shohim ne databazen time.

154
00:09:01,320 --> 00:09:02,690
Ta selektojme nje qelize te rendomt.

155
00:09:02,690 --> 00:09:10,980
Pra, plus 100 here 1.1 ne fuqine e 10-te.

156
00:09:10,980 --> 00:09:14,160
Pra, $259 dhe disa cente.

157
00:09:19,890 --> 00:09:22,730
Pra, duket si nje diference e parendesishme, por

158
00:09:22,730 --> 00:09:24,580
perfundon duke qene nje diference e madhe.

159
00:09:24,580 --> 00:09:30,610
Kur e perbeva interesin me 10% per 10 vite duke perdorur

160
00:09:30,610 --> 00:09:33,100
interesin e perbere, kisha borxh $259.

161
00:09:33,100 --> 00:09:37,290
Kur e bera kete duke perdorur interesin e thjeshte, kisha borxh vetem $200.

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00:09:37,290 --> 00:09:40,770
Pra, ato $59 ishin shtese nga sa shume

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me kushtoi interesi i perbere.

164
00:09:43,360 --> 00:09:45,610
Eshte duke me ikur koha, prandaj do te bej disa

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shembuj tjeter ne videon e radhes, vetem qe ju te keni

166
00:09:47,560 --> 00:09:50,460
nje kuptueshmeri te thelle te interesit te perbere, si funksionojne

167
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eksponentet, dhe cka ne te vertete eshte dallimi.

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Shihemi ne videon e radhes.