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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,'

俗話說:「時間就是金錢。」

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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
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