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• They say, 'Time is money,'

俗話說：「時間就是金錢。」

• but what does one really have to do with the other?

但時間跟金錢到底怎麼扯上關係？

• Meet Sheila!

我們來看看希拉的例子。

• She just got her first big bonus.

她剛得到生平第一筆大獎金。

• Sheila knows exactly what she wants to do with that money.

希拉早就決定好怎麼用這筆錢。

• She's had her eye on a nice convertible for a while now.

她看中一輛敞篷車好一陣子。

• Yes, Sheila, that's a nice car!

果然，這車真不賴。

• Oh, looks like Sheila is a little short.

但看起來有點超出預算。

• But wait!

等等。

• She has an idea.

她有別的主意。

• Sheila is a smart cookie.

希拉是聰明人。

• She knows that if she deposits the money for a year

她知道如果把錢存在銀行一年，

• instead of buying the car today,

不要現在籌錢買車，

• she will earn interest.

她就可以靠存款賺點利息。

• Then she'll be able to afford the car.

這樣就買得起車。

• Sheila knows that the value of her deposit one year from now

她知道一年後她的存款

• will equal the money deposited today plus the interest earned.

會是她現有的本金加上利息。

• We call Sheila's money deposited today

一般稱當下存入的金額

• the present value of money.

為現值。

• And the value of Sheila's deposit next year

而明年席拉的存款

• is the future value of money.

則稱為終值。

• What connects one to the other?

兩者之間怎麼計算？

• The interest rate,

由利率來計算。

• also known as the time value of money.

也稱為金錢的時間價值。

• Now, with a little bit of rearranging,

稍微整理一下式子，

• we can figure out the future value of Sheila's money

就能從等式中看出

• with this equation.

希拉存款的終值。

• So in a year, the future value will be \$11,000.

一年後，終值會是11,000美金。

• Well, it's been a year!

一年後，我們再來看看希拉。

• And there's Sheila, with enough money to buy the car.

現在她有充裕的錢買車。

• Sheila really understands the future value of money.

她完全掌握終值的概念。

• Now, I just hope she understands the speed limit!

現在只希望她能多注意一下速限。

• Now, meet Timmy.

再拿提米當作例子。

• He's also gotten his bonus.

他也得到一筆獎金。

• The money seems to be burning a hole in his pocket.

等不及想大肆採購。

• Yes, Timmy, that's a nice car that will surely impress people.

沒錯，那肯定是會羨煞眾人的好車。

• Oh! Looks like you're a little short.

但看樣子錢有點不足。

• Maybe you can follow Sheila's example.

或許可以效仿希拉的例子。

• You see, Timmy, just like Sheila,

提米就像希拉一樣，

• after the first year, you'll have \$11,000.

一年後，他就可以有11,000美金。

• But Timmy, that is still not enough to buy that fancy car.

但這樣還是買不起那輛高檔車。

• Why don't you leave the money deposited for another year?

或許他可以多等一年。

• Let's see how your deposit will be doing in two years.

看看兩年後，存款會有什麼樣的變化。

• With a little bit of rearranging,

整理式子，

• it becomes the value of your money next year,

可以看出兩年後的存款金額，

• times one plus the interest rate.

等於明年的存款金額乘上一加利率。

• We can then convert the future value one year from now

明年的存款金額也可以說是

• to the present value times one plus the interest rate.

現值乘以一加利率。

• We can even simplify this further

簡化式子可以得出

• by just squaring the value of one plus the interest rate.

現值乘以一加利率的平方。

• Sorry, Timmy, you'll have more money after two years,

可惜的是，雖然兩年後提米的錢變多，

• but you still can't afford the car!

但還是買不起車。

• I don't know how many more years you'll have to wait,

不知道他還需要等多少年，

• but I can tell you one way we can figure it out.

但有個方法能找到答案。

• Do you see that little number two in the equation?

有看到等式上小小的二嗎？

• Any number that you put in there

那個位置的數字

• is the number of years that you are waiting,

就代表還需要等幾年。

• also known as the period.

也稱為期數。

• Sure, Timmy, we can see how much you'll have in five years.

因此可以算算五年後，提米會有多少錢。

• Let's connect future value and present value across five years.

來看看五年後終值跟現值的差距。

• Let's watch the period increase from two to five.

當期數從二調到五，

• After 5 years, you'll have \$16,105.10.

五年後，會有16,105.10美金。

• Sorry, Timmy, you have to wait a little longer.

很抱歉，還需要再多等幾年。

• 10 years?

十年呢？

• Yeah! Let's see if you'll be able to buy the car then.

來看看錢夠了沒。

• Not quite.

還差一點。

• Well, Timmy, it looks like you'll need 26 years to afford this car.

看起來提米需要等二十六年才能買得起這輛車。

• You should ask Sheila for a ride to the beach.

不如直接請希拉載他一程到海邊比較快。

• Maybe a bicycle will suit you better?

也可能買台腳踏車比較合適？

• I hear the bus is pretty cheap!

還有公車也是個實惠的選擇。

They say, 'Time is money,'

A2 初級 中文 TED-Ed 存款 金額 金錢 獎金 美金

# 【TED-Ed】金錢的時間價值--德國南德。 (【TED-Ed】The time value of money - German Nande)

• 1987 185
稲葉白兎 發佈於 2021 年 01 月 14 日