WEBVTT 00:00:00.650 --> 00:00:04.500 Kemi mesuar gjerat qe sigurisht 00:00:04.500 --> 00:00:07.010 perbejne konceptet me te nevojshme ne jete, 00:00:07.010 --> 00:00:11.920 dhe mund te jene te njohura per ty, por nese nuk jane atehere 00:00:11.920 --> 00:00:16.330 shpresojme qe do te ndihmojne per te mos bankrotuar. 00:00:16.330 --> 00:00:20.830 Sidoqofte, do te flas per interesin, dhe pastaj 00:00:20.830 --> 00:00:21.865 interesin e thjeshte ne raport me interesin e perbere. 00:00:21.865 --> 00:00:23.770 Pra, cka eshte interesi? 00:00:23.770 --> 00:00:24.840 Ne te gjithe kemi ndegjuar per te. 00:00:24.840 --> 00:00:29.030 Normat e interesit, ose interesi ne kredine hipotekare, ose 00:00:29.030 --> 00:00:31.240 sa interes fitoj ne kredit kartelen time. 00:00:31.240 --> 00:00:34.140 Pra, interesi--nuk e di nese ky eshte definicioni aktual-- 00:00:34.140 --> 00:00:35.610 ndoshta duhet ta shikoj ne Wikipedia-- 00:00:35.610 --> 00:00:37.850 eshte esencial per te huazuar para. 00:00:37.850 --> 00:00:41.350 Pra, eshte paraja qe ti paguan per te mbajtur para 00:00:41.350 --> 00:00:42.520 per nje periudhe te caktuar. 00:00:42.520 --> 00:00:45.420 Kjo ndoshta nuk eshte definicioni me i sakte, por 00:00:45.420 --> 00:00:46.920 me mire ta parashtroj keshtu. 00:00:46.920 --> 00:00:52.640 Themi qe une dua te marr hua $100 nga ty. 00:00:52.640 --> 00:00:54.760 Pra, kjo ndodh tani. 00:00:54.760 --> 00:00:59.120 Themi qe kjo eshte nje vit nga tani. 00:00:59.120 --> 00:01:00.080 Nje vit. 00:01:00.080 --> 00:01:04.830 Dhe ky je ti, ndersa ky jam une. 00:01:04.830 --> 00:01:07.580 Tani ti m'i jep $100. 00:01:07.580 --> 00:01:09.915 Pastaj une i mbaj $100 dhe pas nje viti, 00:01:09.915 --> 00:01:12.570 une i kam ketu 100$. 00:01:12.570 --> 00:01:15.980 Nese do t'ju kisha kthyer ato $100, 00:01:15.980 --> 00:01:17.510 ti nuk do te merrje interes. 00:01:17.510 --> 00:01:19.470 Ti vetem do merrje parate tuaja mbrapa. 00:01:19.470 --> 00:01:20.880 Nuk do te fitoje interes. 00:01:20.880 --> 00:01:24.470 Por, nese do thoje qe do t'i jap $100 tani nese 00:01:24.470 --> 00:01:30.860 ti me kthen &100 pas nje viti. 00:01:30.860 --> 00:01:34.620 Nese kete situate, sa para te kam dhene per te mbajtur 00:01:34.620 --> 00:01:36.620 ate shume prej $100 per nje vit? 00:01:36.620 --> 00:01:38.200 Pra, po ju paguaj $10 me shume, apo jo? 00:01:38.200 --> 00:01:45.610 Marr hua $100, dhe kthej $10 tjere me shume. 00:01:45.610 --> 00:01:51.510 Pra, keto $10 shtese jane ne fakt 00:01:51.510 --> 00:01:54.570 komisioni qe paguaj per t'i mbajtur ato para dhe 00:01:54.570 --> 00:01:56.790 pavaresisht se cka deshiroja me parate, dhe ndoshta t'i ruaj 00:01:56.790 --> 00:01:59.630 ato, ndoshta te investoj m to, bej cfare te dua per nje vit. 00:01:59.630 --> 00:02:02.200 Dhe ato $10 jane ne fakt interesi. 00:02:02.200 --> 00:02:05.530 Menyra qe shpesh kalkulohet eshte perqindja 00:02:05.530 --> 00:02:07.850 e shumes origjinale qe eshte huazuar. 00:02:07.850 --> 00:02:11.140 Dhe shuma origjinale qe e kam huazuar ne terminologjine bankare 00:02:11.140 --> 00:02:12.980 quhet principal. 00:02:19.200 --> 00:02:23.630 Pra, ne kete rast komisioni ne parate ose interesi eshte $10. 00:02:23.630 --> 00:02:27.920 Nese do te deshiroja ta shpreh ne perqindje, do te thoja 00:02:27.920 --> 00:02:34.240 10 mbi principalin--mbi 100-- qe eshte e barabarte me 10%. 00:02:34.240 --> 00:02:39.480 Pra, ti do te mendoje keshtu, une po ti huazoj ty $100 nese 00:02:39.480 --> 00:02:41.420 ti me paguan 10% interes ne to. 00:02:41.420 --> 00:02:44.770 Pra, 10% interes ne $100 eshte $10, qe pas nje viti, 00:02:44.770 --> 00:02:46.810 une te paguaj ty $100, plus $10. 00:02:46.810 --> 00:02:47.560 Dhe anasjelltas. 00:02:47.560 --> 00:02:51.220 Pra, per cfaredo shume parash, ti do te deshiroje te me huazoje 00:02:51.220 --> 00:02:53.540 cfaredo shume me interes 10%. 00:02:53.540 --> 00:02:58.680 Pra, nese me huazon $1000, interesi 00:02:58.680 --> 00:03:00.950 do te ishte 10% ne te, qe eshte $100. 00:03:00.950 --> 00:03:11.020 Pra, pas nje viti une ju kam borxh $1000, plus 10% here $1000 00:03:11.020 --> 00:03:14.555 qe eshte e barabarte me $1100. 00:03:14.555 --> 00:03:17.780 Ne rregull, vetem shtova nje zero. 00:03:17.780 --> 00:03:20.090 Ne kete rast $100 do te ishte interesi, por 00:03:20.090 --> 00:03:22.130 do te ishte 10%. 00:03:22.130 --> 00:03:25.170 Pra, tani do te bejme dallimin ne mes te interesit te thjeshte 00:03:25.170 --> 00:03:27.000 dhe ineresit te perbere. 00:03:30.430 --> 00:03:33.220 Pra, ne vetem dhame nje shembull goxha te thjeshte ku ti 00:03:33.220 --> 00:03:36.540 me huazove para per nje vit me 10% interest, mire? 00:03:36.540 --> 00:03:42.280 Themi qe dikush me thote qe norma e interesit 00:03:42.280 --> 00:03:43.930 qe aplikon--ose norma e interesit qe aplikojne te njerezit e tjere-- 00:03:43.930 --> 00:03:51.000 eshte-- te themi 10% interes i mire--10% ne vit. 00:03:51.000 --> 00:03:55.700 Themi qe principali qe do ta marr hua 00:03:55.700 --> 00:04:01.900 prej ketij personi eshte $100. 00:04:01.900 --> 00:04:03.980 Pra, pyetja ime per ty--dhe ndoshta ti do te doje te pritesh 00:04:03.980 --> 00:04:18.570 pasi qe une ta parashtroj-- eshte sa kam borxh pas 10 viteve? 00:04:18.570 --> 00:04:21.140 Sa kam borxh ne 10 vite? 00:04:21.140 --> 00:04:23.080 Pra, jane dy menyra per ta analizuar kete. 00:04:23.080 --> 00:04:30.350 Mund te thuash, Ok ne zerro vite-- sikur ti huazoja parate 00:04:30.350 --> 00:04:32.430 dhe t'i ktheja menjehere, 00:04:32.430 --> 00:04:33.730 do te ishte $100, mire? 00:04:33.730 --> 00:04:35.210 Nuk do ta bej kete, do te vazhdoj ti mbaj to 00:04:35.210 --> 00:04:36.570 per se paku nje vit. 00:04:36.570 --> 00:04:40.270 Keshtu qe pas nje viti, duke u bazuar ne kete shembull, 00:04:40.270 --> 00:04:48.870 une mund te shtoj 10% te asaj shume tek $100, dhe une 00:04:48.870 --> 00:04:51.050 do te kisha borxh $110. 00:04:51.050 --> 00:04:55.420 Pastaj, pas dy viteve, do te shtoja 10% 00:04:55.420 --> 00:04:57.800 prej principalit origjinal, mire? 00:04:57.800 --> 00:04:59.610 Pra, cdo vit une vetem shtoj $10. 00:04:59.610 --> 00:05:03.775 Ne kete rast do te ishte $120, dhe pas tri viteve, 00:05:03.775 --> 00:05:05.310 do te ishte $130. 00:05:05.310 --> 00:05:09.770 Faktikisht, komisioni im ne vit per te marre hua $100 eshte $10, apo jo? 00:05:09.770 --> 00:05:12.580 Sepse gjithmone marr 10% te shumes origjinale. 00:05:12.580 --> 00:05:17.090 Pas 10 vitesh--meqe cdo vit do te duhej te paguaj $10 shtese si interes-- 00:05:17.090 --> 00:05:20.120 pas 10 vitesh une 00:05:20.120 --> 00:05:22.630 do te kisha borxh $200. 00:05:22.630 --> 00:05:23.200 Mire? 00:05:23.200 --> 00:05:33.520 Dhe shuma $200 eshte e barabarte me $100 si principal, plus $100 si interes 00:05:33.520 --> 00:05:36.580 meqe une paguaj $10 cdo vit. 00:05:36.580 --> 00:05:39.260 The ky nocion qe e shkruajta tani, ky ne fakt 00:05:39.260 --> 00:05:43.020 quhet interes i thjeshte. 00:05:43.020 --> 00:05:45.260 Ky nenkupton qe ti merr shumen origjinale 00:05:45.260 --> 00:05:48.840 qe huazon, normen e interesit, shumen, komisionin qe 00:05:48.840 --> 00:05:51.140 paguan cdo vit i cili eshte norma e interesit shumezuar per 00:05:51.140 --> 00:05:53.090 shumen fillestare, dhe ti vetem e paguan shtese 00:05:53.090 --> 00:05:54.380 ate cdo vit. 00:05:54.380 --> 00:05:55.980 Por nese mendon per kete me mire, ti ne te vertete e paguan 00:05:55.980 --> 00:05:58.390 nje perqindje gjithnje me te vogel te cilen e ke borxh 00:05:58.390 --> 00:05:59.170 gjate atij viti. 00:05:59.170 --> 00:06:00.950 Dhe ndoshta kur t'ua pershkruaj interesin e perbere 00:06:00.950 --> 00:06:01.690 do te shihni se si kjo merr kuptim. 00:06:01.690 --> 00:06:05.530 Pra, kjo eshte nje menyre per te pershkruan 10% interes per cdo vit. 00:06:05.530 --> 00:06:10.960 Nje menyre tjeter per ta interpretuar eshte, Ok pra, ne vitin zero shuma eshte $100 00:06:10.960 --> 00:06:13.840 te cilen ju e keni huazuar, ose nese ju eshte dhene paraja, ti thua 00:06:13.840 --> 00:06:15.230 oh jo jo, nuk i dua ato dhe vetem do ti kthej parate. 00:06:15.230 --> 00:06:16.550 Ti do kishe borxh $100. 00:06:16.550 --> 00:06:21.630 Pas nje viti, ti do te paguaje 00:06:21.630 --> 00:06:27.450 $100 plus 10% interes prej $100, qe eshte $110. 00:06:27.450 --> 00:06:32.830 Pra, kjo eshte $100, plus 10% prej $100. 00:06:32.830 --> 00:06:35.180 T'i nderrojme ngjyrat, meqe u be monotone. 00:06:35.180 --> 00:06:36.970 Mire pra, ti mendon qe kjo ka kuptim per ty. 00:06:36.970 --> 00:06:39.030 Dhe kjo eshte kur interesi i thjeshte dhe ai i perbere 00:06:39.030 --> 00:06:40.220 fillojne te dallojne. 00:06:40.220 --> 00:06:42.930 Ne situaten e fundit, ne vetem vazhduam te shtonim 10% 00:06:42.930 --> 00:06:44.480 prej shumes fillestare prej $100. 00:06:44.480 --> 00:06:49.310 Ne interesin e perbere tani, ne nuk marrim 10% prej 00:06:49.310 --> 00:06:50.310 shumes fillestare. 00:06:50.310 --> 00:06:52.310 Ne tani marrim 10% nga kjo shume. 00:06:56.340 --> 00:07:02.440 Pra, tani ne marrim $110. 00:07:02.440 --> 00:07:05.470 Pra, mund ta shihni kete si principalin tone te ri. 00:07:05.470 --> 00:07:06.840 Kjo eshte se sa shume ne ofrojme cdo vit, dhe pastaj 00:07:06.840 --> 00:07:09.110 ne do marrim borxh serish ate shume. 00:07:09.110 --> 00:07:19.810 Pra, tani ne do te fitojme $110 plus 10% interes here 110. 00:07:19.810 --> 00:07:23.220 Pra, ti mund ta thjeshtosh 110, dhe kjo do te jete 00:07:23.220 --> 00:07:32.950 e barabarte me 110 here 110. 00:07:32.950 --> 00:07:34.440 Ne fakt, 110 here 1.1 00:07:39.730 --> 00:07:41.280 Ne fakt mund ta rishkruaj ne kete menyre gjithashtu. 00:07:41.280 --> 00:07:45.850 Mund ta rishkruaj si 100 here 1.1 ne katror, 00:07:45.850 --> 00:07:49.920 qe eshte e barabarte me $121. 00:07:49.920 --> 00:07:52.790 Pastaj, ne vitin e dyte, ky do te jete principali im i ri--ky eshte 00:07:52.790 --> 00:07:55.110 $121--ky eshte pra principali i ri. 00:07:55.110 --> 00:07:57.990 Dhe tani duhet ta bej per vitin e trete--pra ky ishte viti i dyte. 00:07:57.990 --> 00:08:01.710 Pra, do te marr me shume hapesire, pra ky eshte viti i dyte. 00:08:01.710 --> 00:08:06.450 Dhe tani ne vitin e trete, do te paguaj $121 00:08:06.450 --> 00:08:14.820 qe kam huazuar ne fund te vitit te dyte, plus 10% here shumen 00:08:14.820 --> 00:08:20.450 e parave te cilat i kam huazuar gjate vitit, $121. 00:08:20.450 --> 00:08:22.950 Pra, kjo eshte e njejta gje--mund te vendosim kllapa perreth 00:08:22.950 --> 00:08:29.270 kesaj--pra kjo eshte e njejta gje sikurse 1 here 121 plus 0.1 here 00:08:29.270 --> 00:08:35.650 121, pra kjo eshte e njejta gje sikur se 1.1 here 121. 00:08:35.650 --> 00:08:38.800 Nje menyre tjeter per ta shikuar kete, eshte e barabarte me 00:08:38.800 --> 00:08:44.180 principalin tone fillestar here 1.1 ne fuqine e trete. 00:08:44.180 --> 00:08:46.060 Dhe nese vazhdon ta besh kete--dhe ju inkurajoj ta beni, 00:08:46.060 --> 00:08:48.660 sepse ne te vertete ju jep nje pasqyre-- ne fund te 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, 00:08:52.030 --> 00:08:57.962 harrova kush ka huazuar nga kush--$100 here 1.1 ne fuqine e 10-te. 00:08:57.962 --> 00:08:59.050 Dhe me cka eshte kjo e barabarte? 00:08:59.050 --> 00:09:01.320 Ta shohim ne databazen time. 00:09:01.320 --> 00:09:02.690 Ta selektojme nje qelize te rendomt. 00:09:02.690 --> 00:09:10.980 Pra, plus 100 here 1.1 ne fuqine e 10-te. 00:09:10.980 --> 00:09:14.160 Pra, $259 dhe disa cente. 00:09:19.890 --> 00:09:22.730 Pra, duket si nje diference e parendesishme, por 00:09:22.730 --> 00:09:24.580 perfundon duke qene nje diference e madhe. 00:09:24.580 --> 00:09:30.610 Kur e perbeva interesin me 10% per 10 vite duke perdorur 00:09:30.610 --> 00:09:33.100 interesin e perbere, kisha borxh $259. 00:09:33.100 --> 00:09:37.290 Kur e bera kete duke perdorur interesin e thjeshte, kisha borxh vetem $200. 00:09:37.290 --> 00:09:40.770 Pra, ato $59 ishin shtese nga sa shume 00:09:40.770 --> 00:09:43.360 me kushtoi interesi i perbere. 00:09:43.360 --> 00:09:45.610 Eshte duke me ikur koha, prandaj do te bej disa 00:09:45.610 --> 00:09:47.560 shembuj tjeter ne videon e radhes, vetem qe ju te keni 00:09:47.560 --> 00:09:50.460 nje kuptueshmeri te thelle te interesit te perbere, si funksionojne 00:09:50.460 --> 00:09:53.680 eksponentet, dhe cka ne te vertete eshte dallimi. 00:09:53.680 --> 00:09:54.060 Shihemi ne videon e radhes.