[Script Info]
Title: 
[Events]
Format: Layer, Start, End, Style, Name, MarginL, MarginR, MarginV, Effect, Text
Dialogue: 0,0:00:00.00,0:00:02.56,Default,,0000,0000,0000,,Le te pergjithesojme pak ate se cka mesuam
Dialogue: 0,0:00:02.56,0:00:03.83,Default,,0000,0000,0000,,ne prezantimin e kaluar.
Dialogue: 0,0:00:03.83,0:00:07.28,Default,,0000,0000,0000,,Te themi qe une do te huazoj P dollare.
Dialogue: 0,0:00:07.28,0:00:08.79,Default,,0000,0000,0000,,P dollare, jane aq sa kam huazuar, pra ato jane
Dialogue: 0,0:00:08.79,0:00:10.74,Default,,0000,0000,0000,,principali im fillestar.
Dialogue: 0,0:00:10.74,0:00:14.73,Default,,0000,0000,0000,,Pra, ky eshte principali.
Dialogue: 0,0:00:14.73,0:00:17.07,Default,,0000,0000,0000,,r eshte e barabarte me normen, normen e interesit qe
Dialogue: 0,0:00:17.07,0:00:18.31,Default,,0000,0000,0000,,jam duke huazuar.
Dialogue: 0,0:00:18.31,0:00:22.60,Default,,0000,0000,0000,,Mund ta shkruajme ate si 100%, apo jo?
Dialogue: 0,0:00:22.60,0:00:24.37,Default,,0000,0000,0000,,Dhe do ta huazoj ate per--mire, une
Dialogue: 0,0:00:24.37,0:00:29.16,Default,,0000,0000,0000,,nuk e di sakte--te themi per T vite.
Dialogue: 0,0:00:29.19,0:00:32.21,Default,,0000,0000,0000,,Te shohim nese do te mund ta bejme nje ekuacion per ta sqaruar
Dialogue: 0,0:00:32.21,0:00:35.96,Default,,0000,0000,0000,,se sa shume do te kem borxh ne fund te T viteve duke perdorur
Dialogue: 0,0:00:35.96,0:00:38.17,Default,,0000,0000,0000,,ose interesin e thjeshte ose ate te perbere.
Dialogue: 0,0:00:38.17,0:00:41.45,Default,,0000,0000,0000,,Ta bejme interesin e thjeshte se pari meqe eshte i thjeshte.
Dialogue: 0,0:00:41.45,0:00:48.46,Default,,0000,0000,0000,,Pra, ne kohen 0--pra te bejme kete tek boshti i kohes--sa
Dialogue: 0,0:00:48.46,0:00:49.31,Default,,0000,0000,0000,,shume do te kem borxh?
Dialogue: 0,0:00:49.31,0:00:51.95,Default,,0000,0000,0000,,Pra, kjo eshte ne rregull kur e huazova, pra nese kam kthyer
Dialogue: 0,0:00:51.95,0:00:55.22,Default,,0000,0000,0000,,borxhin menjehere, do te kisha borxh shumen P, mire?
Dialogue: 0,0:00:55.22,0:01:00.73,Default,,0000,0000,0000,,Ne kohen 1, une kam borxh P plus interesin, plus ti disi do te mund
Dialogue: 0,0:01:00.73,0:01:04.46,Default,,0000,0000,0000,,ta shohesh ate si komision per ato para, dhe kjo eshte r here P.
Dialogue: 0,0:01:04.46,0:01:06.39,Default,,0000,0000,0000,,Dhe kjo paraprakisht, ne shembullin e kaluar,
Dialogue: 0,0:01:06.39,0:01:07.90,Default,,0000,0000,0000,,ne videon e kaluar, ishte 10%.
Dialogue: 0,0:01:07.90,0:01:11.04,Default,,0000,0000,0000,,P ishte 100, sepse une kisha per te paguar $10 per te marre ato para hua
Dialogue: 0,0:01:11.04,0:01:13.26,Default,,0000,0000,0000,,per nje vit, do te paguaja $110.
Dialogue: 0,0:01:13.26,0:01:18.61,Default,,0000,0000,0000,,Dhe kjo eshte po e njejta sikurse P here 1 plus r, ne rregull?
Dialogue: 0,0:01:18.61,0:01:21.83,Default,,0000,0000,0000,,Meqe mund te perdoresh 1P plus rP.
Dialogue: 0,0:01:21.83,0:01:24.08,Default,,0000,0000,0000,,Pas dy viteve, sa shume do te kemi borxh?
Dialogue: 0,0:01:24.08,0:01:28.19,Default,,0000,0000,0000,,Mire pra, cdo vit, ne do te paguanim nje tjeter rP, mire?
Dialogue: 0,0:01:28.19,0:01:30.86,Default,,0000,0000,0000,,Ne shembullin e kaluar, ishte nje tjeter $10.
Dialogue: 0,0:01:30.86,0:01:34.00,Default,,0000,0000,0000,,Pra, nese kjo eshte 10%, cdo vit ne do te paguanim 10% te
Dialogue: 0,0:01:34.00,0:01:35.36,Default,,0000,0000,0000,,principalit tone fillestar.
Dialogue: 0,0:01:35.36,0:01:38.73,Default,,0000,0000,0000,,Prandaj, pas dy viteve ne do te kemi borxh P plus rP--keto kishim borxh
Dialogue: 0,0:01:38.73,0:01:42.50,Default,,0000,0000,0000,,ne vitin e pare 1-- dhe pastaj nje tjeter rP, qe eshte e barabarte
Dialogue: 0,0:01:42.50,0:01:45.35,Default,,0000,0000,0000,,me P plus 1 plus 2r.
Dialogue: 0,0:01:45.35,0:01:47.72,Default,,0000,0000,0000,,Dhe do ta thjeshtonim P, per te fituar 1 plus r
Dialogue: 0,0:01:47.72,0:01:49.84,Default,,0000,0000,0000,,plus r, pra 1 plus 2r.
Dialogue: 0,0:01:49.84,0:01:54.77,Default,,0000,0000,0000,,Pastaj ne vitin e 3-te, ne do te kishin borxh ate se cfare kishim ne vitin e 2-te,
Dialogue: 0,0:01:54.77,0:02:00.33,Default,,0000,0000,0000,,Pra, P plus rP plus rP, dhe pastaj ne do te paguanim nje tjeter rP, dhe nje tjeter
Dialogue: 0,0:02:00.33,0:02:03.83,Default,,0000,0000,0000,,themi, qe nese 10%, ose 50% e pjeses tone te principalit fillestar,
Dialogue: 0,0:02:03.83,0:02:10.30,Default,,0000,0000,0000,,plus rP, dhe kjo do te jete e barabarte me P here 1 plus 3r.
Dialogue: 0,0:02:10.30,0:02:15.91,Default,,0000,0000,0000,,Pra, pas t vitesh, sa shume do te kemi borxh?
Dialogue: 0,0:02:15.91,0:02:18.82,Default,,0000,0000,0000,,Pra, eshte principali yne fillestar here 1 plus,
Dialogue: 0,0:02:18.82,0:02:22.33,Default,,0000,0000,0000,,do te ishte TR.
Dialogue: 0,0:02:22.33,0:02:25.92,Default,,0000,0000,0000,,Mund ta shperbesh kete meqe cdo vit ne paguajme Pr,
Dialogue: 0,0:02:25.92,0:02:27.39,Default,,0000,0000,0000,,dhe do te jete pas T vitesh.
Dialogue: 0,0:02:27.39,0:02:28.97,Default,,0000,0000,0000,,Prandaj kjo ka kuptim.
Dialogue: 0,0:02:28.97,0:02:31.94,Default,,0000,0000,0000,,Themi qe nese une do te huazoj--
Dialogue: 0,0:02:31.94,0:02:33.41,Default,,0000,0000,0000,,te bejme disa matje.
Dialogue: 0,0:02:33.41,0:02:35.46,Default,,0000,0000,0000,,Ti do te mund ta kalkulosh ne kete menyre, dhe ju rekomandoj qe ta beni.
Dialogue: 0,0:02:35.46,0:02:37.10,Default,,0000,0000,0000,,Ju nuk duhet ti mbani formulat permendesh.
Dialogue: 0,0:02:37.10,0:02:45.82,Default,,0000,0000,0000,,Nese do te kisha huazuar $50 me 15% interes te thjeshte per 15--ose
Dialogue: 0,0:02:45.82,0:02:50.70,Default,,0000,0000,0000,,te themi per 20 vite, ne fund te vitit te 20-te, une do te
Dialogue: 0,0:02:50.70,0:03:04.00,Default,,0000,0000,0000,,kisha borxh $50 here 1 plus kohen 20 here 0.15, apo jo?
Dialogue: 0,0:03:04.00,0:03:08.96,Default,,0000,0000,0000,,Kjo eshte e barabarte me $50 here 1 plus-- sa eshte 20 here 0.15?
Dialogue: 0,0:03:08.96,0:03:11.22,Default,,0000,0000,0000,,Eshte 3, apo jo?
Dialogue: 0,0:03:11.22,0:03:12.06,Default,,0000,0000,0000,,Po.
Dialogue: 0,0:03:12.06,0:03:17.55,Default,,0000,0000,0000,,Pra, eshte 50 here 4, qe eshte e barabarte me $200 per
Dialogue: 0,0:03:17.55,0:03:18.74,Default,,0000,0000,0000,,t'i huazuar per 20 vite.
Dialogue: 0,0:03:18.74,0:03:22.92,Default,,0000,0000,0000,,Pra, $50 me 15% per 20 vite rezulton ne $200.
Dialogue: 0,0:03:22.92,0:03:24.70,Default,,0000,0000,0000,,pagese per t'u paguar ne fund.
Dialogue: 0,0:03:24.70,0:03:27.01,Default,,0000,0000,0000,,Pra, ky ishte interesi i thjeshte, dhe kjo ishte
Dialogue: 0,0:03:27.01,0:03:28.37,Default,,0000,0000,0000,,formula per ta kalkuluar ate.
Dialogue: 0,0:03:28.37,0:03:32.56,Default,,0000,0000,0000,,Ta shohim nese mund ta bejme te njejten me interesin e perbere.
Dialogue: 0,0:03:32.56,0:03:39.11,Default,,0000,0000,0000,,Ta fshij gjithe kete.
Dialogue: 0,0:03:39.11,0:03:42.80,Default,,0000,0000,0000,,Kjo nuk eshte menyra se si desha ta fshij kete.
Dialogue: 0,0:03:42.80,0:03:48.20,Default,,0000,0000,0000,,Tash eshte mire.
Dialogue: 0,0:03:48.20,0:03:53.43,Default,,0000,0000,0000,,Ok, pra me interes te perbere, pas 1 viti, eshte e njejta gje,
Dialogue: 0,0:03:53.43,0:03:55.02,Default,,0000,0000,0000,,sikurse interesi i thjeshte, dhe kete e pame
Dialogue: 0,0:03:55.02,0:03:55.82,Default,,0000,0000,0000,,ne videon e kaluar.
Dialogue: 0,0:03:55.82,0:04:04.81,Default,,0000,0000,0000,,Une kam borxh P plus, tani kemi normes here P, dhe kjo eshte e barabarte me
Dialogue: 0,0:04:04.81,0:04:08.19,Default,,0000,0000,0000,,P here 1 plus r.
Dialogue: 0,0:04:08.19,0:04:09.45,Default,,0000,0000,0000,,Ne rregull.
Dialogue: 0,0:04:09.45,0:04:12.81,Default,,0000,0000,0000,,Tani viti 2 eshte ku interesi i thjeshte dhe i perbere dallojne.
Dialogue: 0,0:04:12.81,0:04:14.82,Default,,0000,0000,0000,,Ne interesin e thjeshte, ne vetem do te paguanim nje tjeter rP, dhe
Dialogue: 0,0:04:14.82,0:04:17.17,Default,,0000,0000,0000,,do te ishte 1 plus 2r.
Dialogue: 0,0:04:17.17,0:04:19.19,Default,,0000,0000,0000,,Ne interesin e perbere, kjo do te behet
Dialogue: 0,0:04:19.19,0:04:22.01,Default,,0000,0000,0000,,principali yne i ri, apo jo?
Dialogue: 0,0:04:22.01,0:04:25.05,Default,,0000,0000,0000,,Pra, nese ky eshte principali yne i ri, ne do te paguajme
Dialogue: 0,0:04:25.05,0:04:28.37,Default,,0000,0000,0000,,1 plus r here kete, apo jo?
Dialogue: 0,0:04:28.37,0:04:29.82,Default,,0000,0000,0000,,Principali yne fillestar ishte P.
Dialogue: 0,0:04:29.82,0:04:35.00,Default,,0000,0000,0000,,Pas nje viti, ne paguam 1 plus r here principali yne origjinal
Dialogue: 0,0:04:35.00,0:04:38.27,Default,,0000,0000,0000,,here 1 plus normen r.
Dialogue: 0,0:04:38.27,0:04:42.52,Default,,0000,0000,0000,,Pra, per te shkuar ne vitin e 2-te, ne do te paguanim ate se cka kemi boxh
Dialogue: 0,0:04:42.52,0:04:47.64,Default,,0000,0000,0000,,ne fund te vitit te 1-re, qe eshte P here 1 plus r,dhe pastaj
Dialogue: 0,0:04:47.64,0:04:49.64,Default,,0000,0000,0000,,do ta rrisim kete me perqindjen r.
Dialogue: 0,0:04:49.64,0:04:53.24,Default,,0000,0000,0000,,Pra, do ta shumezojme ate prap here 1 plus r.
Dialogue: 0,0:04:58.04,0:05:02.90,Default,,0000,0000,0000,,Dhe kjo do te jete e barabarte me P here 1 plus r ne katror.
Dialogue: 0,0:05:02.90,0:05:04.95,Default,,0000,0000,0000,,Pra, menyra qe ti ta shohesh kete, ne interesin e thjeshte,
Dialogue: 0,0:05:04.95,0:05:09.17,Default,,0000,0000,0000,,eshte qe cdo vit ne shtuam nje Pr.
Dialogue: 0,0:05:09.17,0:05:12.33,Default,,0000,0000,0000,,Ne interesin e thjeshte, ne shtuam plus Pr cdo vit.
Dialogue: 0,0:05:12.33,0:05:16.76,Default,,0000,0000,0000,,Nese kjo do te jete nje $50 me 15%, cdo vit ne do te shtonim
Dialogue: 0,0:05:16.76,0:05:19.84,Default,,0000,0000,0000,,$3--ne shtojme--cka?
Dialogue: 0,0:05:19.84,0:05:20.46,Default,,0000,0000,0000,,50%
Dialogue: 0,0:05:20.46,0:05:23.52,Default,,0000,0000,0000,,Pra, ne shtojme interes prej $7.5, ku P eshte principali,
Dialogue: 0,0:05:23.52,0:05:24.56,Default,,0000,0000,0000,,r eshte norma.
Dialogue: 0,0:05:24.56,0:05:27.48,Default,,0000,0000,0000,,Ne interesin e perbere, cdo vit ne shumezojme
Dialogue: 0,0:05:27.48,0:05:31.68,Default,,0000,0000,0000,,principalin here 1 plus normen, mire?
Dialogue: 0,0:05:31.68,0:05:33.93,Default,,0000,0000,0000,,Prandaj, nese shkojme ne vitin e 3-te, ne do te shumezojme
Dialogue: 0,0:05:33.93,0:05:35.23,Default,,0000,0000,0000,,kete here 1 plus r.
Dialogue: 0,0:05:35.23,0:05:39.09,Default,,0000,0000,0000,,Pra, viti i 3-te eshte P here 1 plus 3 ne fuqine kub.
Dialogue: 0,0:05:39.09,0:05:42.16,Default,,0000,0000,0000,,Prandaj, viti T do te jete principali here 1 plus
Dialogue: 0,0:05:42.16,0:05:45.24,Default,,0000,0000,0000,,r ne fuqine T.
Dialogue: 0,0:05:45.24,0:05:47.98,Default,,0000,0000,0000,,Pra, ta shohim kete shembull.
Dialogue: 0,0:05:47.98,0:05:50.87,Default,,0000,0000,0000,,Ne kemi borxh $200 ne shembullin me interes te thjeshte.
Dialogue: 0,0:05:50.87,0:05:53.19,Default,,0000,0000,0000,,Ta shohim sa do te kemi borxh ne shembullin me interes te perbere.
Dialogue: 0,0:05:53.19,0:05:59.21,Default,,0000,0000,0000,,Principali eshte $50.
Dialogue: 0,0:05:59.21,0:06:00.64,Default,,0000,0000,0000,,1 plus--sa eshte norma?
Dialogue: 0,0:06:00.64,0:06:02.69,Default,,0000,0000,0000,,0.15
Dialogue: 0,0:06:02.69,0:06:06.18,Default,,0000,0000,0000,,Dhe huazojme per 20 vite.
Dialogue: 0,0:06:06.18,0:06:14.91,Default,,0000,0000,0000,,Pra, kjo eshte e barabarte me 50 here 1.15 ne fuqine e 20-te.
Dialogue: 0,0:06:14.91,0:06:18.07,Default,,0000,0000,0000,,E di qe nuk mund ta lexosh ate, por me lejo ta shoh se cka
Dialogue: 0,0:06:18.07,0:06:20.68,Default,,0000,0000,0000,,te bejme per fuqine e 20-te.
Dialogue: 0,0:06:20.68,0:06:28.26,Default,,0000,0000,0000,,Ta perdori Excel-in tim dhe ta zgjidhim kete.
Dialogue: 0,0:06:28.26,0:06:31.84,Default,,0000,0000,0000,,Ne fakt, me duhet ta perdor vetem miun tim ne vend te lapsit
Dialogue: 0,0:06:31.84,0:06:34.95,Default,,0000,0000,0000,,per te pastruat cdo gje.
Dialogue: 0,0:06:34.95,0:06:36.77,Default,,0000,0000,0000,,Ok, rastesisht do ta zgjedh nje pike.
Dialogue: 0,0:06:36.77,0:06:42.22,Default,,0000,0000,0000,,Pra vetem du qe--plus 1.15 ne fuqine e 20-te, dhe ti
Dialogue: 0,0:06:42.22,0:06:46.94,Default,,0000,0000,0000,,mund ta perdoresh kalkulatorin tim: 16.37, te themi ashtu,
Dialogue: 0,0:06:46.94,0:06:55.46,Default,,0000,0000,0000,,Kjo eshte e barabarte me 50 here 16.37.
Dialogue: 0,0:06:55.46,0:06:58.17,Default,,0000,0000,0000,,Pra, sa eshte 50 here ajo?
Dialogue: 0,0:06:58.17,0:07:08.56,Default,,0000,0000,0000,,Plus 50 here ajo: $818.
Dialogue: 0,0:07:08.56,0:07:11.78,Default,,0000,0000,0000,,Pra, tani mund ta kuptoni qe nese dikush ju jep borxh dhe
Dialogue: 0,0:07:11.78,0:07:14.32,Default,,0000,0000,0000,,ju thote, oh, po pra, do te ju jap hua parate--ti ke nevoj per nje borxh 20 vjecar?
Dialogue: 0,0:07:14.32,0:07:16.34,Default,,0000,0000,0000,,Do te ju jap hua me 15%.
Dialogue: 0,0:07:16.34,0:07:19.84,Default,,0000,0000,0000,,Eshte shume e rendesishme ta qartesoni nese
Dialogue: 0,0:07:19.84,0:07:24.40,Default,,0000,0000,0000,,do te ju ngarkoj me 15% interes te thjeshte ose
Dialogue: 0,0:07:24.40,0:07:25.87,Default,,0000,0000,0000,,interes te perbere.
Dialogue: 0,0:07:25.87,0:07:28.77,Default,,0000,0000,0000,,Meqe me interes te perbere, ti do te perfundosh duke paguar
Dialogue: 0,0:07:28.77,0:07:31.90,Default,,0000,0000,0000,,te themi, nese huazon vetem $50, ti do te paguash
Dialogue: 0,0:07:31.90,0:07:36.18,Default,,0000,0000,0000,,$618 me shume sesa nese huazon me interes te thjeshte.
Dialogue: 0,0:07:36.18,0:07:40.48,Default,,0000,0000,0000,,Fatkeqesisht, ne boten reale, shume here eshte
Dialogue: 0,0:07:40.48,0:07:41.69,Default,,0000,0000,0000,,interes i perbere.
Dialogue: 0,0:07:41.69,0:07:44.25,Default,,0000,0000,0000,,Dhe jo vetem qe eshte i perbere, por ata shpeshhere nuk e
Dialogue: 0,0:07:44.25,0:07:46.17,Default,,0000,0000,0000,,llogarisin te perbere per cdo vit, ose
Dialogue: 0,0:07:46.17,0:07:48.81,Default,,0000,0000,0000,,per cdo gjashte muaj, por e llogarisin te perbere ne vazhdimesi.
Dialogue: 0,0:07:48.81,0:07:50.83,Default,,0000,0000,0000,,Prandaj, duhet te shohesh disa nga videot e radhes mbi
Dialogue: 0,0:07:50.83,0:07:53.75,Default,,0000,0000,0000,,interesin e perbere ne vazhdimesi, dhe
Dialogue: 0,0:07:53.75,0:07:57.19,Default,,0000,0000,0000,,do te fillosh ta mesosh magjine e E-se.
Dialogue: 0,0:07:57.19,0:08:01.20,Default,,0000,0000,0000,,Sidoqofte, shihemi ne videon e radhes.