The time value of money - German Nande

Kako izračunati buduću vrednost vašeg novca - Džerman Nandi (German Nande)

Prevodilac: Mile Živković Lektor: Anca Dimovska

They say, 'Time is money,'

Kaže se: "Vreme je novac",

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

ali kakve veze imaju ove dve stvari jedna sa drugom?

Meet Sheila!

Upoznajte Šilu!

She just got her first big bonus.

Upravo je dobila svoj prvi veliki bonus.

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

Šila tačno zna šta želi da uradi s tim novcem.

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

Već dugo gleda jedan lep kabriolet.

Yes, Sheila, that's a nice car!

Da, Šila, to je sjajan auto!

Oh, looks like Sheila is a little short.

Oh, izgleda da Šili fali nešto novca.

But wait!

Ali stanite!

She has an idea.

Ima ideju.

Sheila is a smart cookie.

Šila je pametna.

She knows that if she deposits the money for a year

Zna da ako oroči novac na godinu dana

instead of buying the car today,

umesto da danas kupi automobil,

she will earn interest.

zaradiće kamatu.

Then she'll be able to afford the car.

Onda će moći da priušti auto.

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

Šila zna da će vrednost njenog uloga godinu dana od danas

will equal the money deposited today plus the interest earned.

biti jednaka uloženom novcu plus zarađenoj kamati.

We call Sheila's money deposited today

Novac koji je Šila danas uložila

the present value of money.

zovemo sadašnjom vrednošću novca.

And the value of Sheila's deposit next year

Vrednost Šilinog uloženog novca sledeće godine

is the future value of money.

zovemo budućom vrednošću novca.

What connects one to the other?

Šta povezuje ovo dvoje?

The interest rate,

Kamata,

also known as the time value of money.

poznata i kao vremenska vrednost novca.

Now, with a little bit of rearranging,

Uz malo reorganizacije,

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

možemo otkriti buduću vrednost Šilinog novca

with this equation.

uz pomoć ove jednačine.

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

Za godinu dana, buduća vrednost biće 11 000 dolara.

Well, it's been a year!

Evo prošla je godina!

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

Eto Šile, sa dovoljno novca da kupi auto.

Sheila really understands the future value of money.

Šila zaista razume buduću vrednost novca.

Now, I just hope she understands the speed limit!

Nadam se da razume i ograničenje brzine!

Now, meet Timmy.

Sada upoznajte Timija.

He's also gotten his bonus.

Takođe je dobio bonus.

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

Kao da mora da potroši taj novac.

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

Da, Timi, to je fin auto koji će sigurno impresionirati ljude.

Oh! Looks like you're a little short.

Oh! Izgleda da ti fali nešto novca.

Maybe you can follow Sheila's example.

Možda možeš da uradiš isto što i Šila.

You see, Timmy, just like Sheila,

Vidiš, Timi, baš kao Šila,

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

nakon prve godine, imaćeš 11 000 dolara.

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

Ali Timi, to još uvek nije dovoljno da kupiš taj luksuzni auto.

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

Zašto da ne ostaviš novac u banci još jednu godinu?

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

Da vidimo šta će biti s tvojim depozitom za dve godine.

With a little bit of rearranging,

Uz malo reorganizovanja,

it becomes the value of your money next year,

to postaje vrednost tvog novca sledeće godine,

times one plus the interest rate.

puta jedan plus kamata.

We can then convert the future value one year from now

Onda možemo konvertovati buduću vrednost za jednu godinu

to the present value times one plus the interest rate.

u sadašnju vrednost puta jedan plus kamata.

We can even simplify this further

Ovo možemo još više pojednostaviti

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

tako što ćemo vrednost od jedan plus kamate staviti na kvadrat.

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

Žao mi je Timi, za dve godine ćeš imati više novca,

but you still can't afford the car!

ali opet nećeš moći da priuštiš auto!

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

Ne znam koliko ćeš godina još morati da čekaš,

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

ali mogu da ti kažem jedan način da to otkrijemo.

Do you see that little number two in the equation?

Vidiš li tu malu dvojku u jednačini?

Any number that you put in there

Svaki broj koji tu staviš

is the number of years that you are waiting,

je broj godina koji čekaš,

also known as the period.

ili period.

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

Naravno, Timi, možemo videti koliko ćeš imati za pet godina.

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

Povežimo sadašnju i buduću vrednost preko pet godina.

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

Gledajmo kako se period uvećava sa dva na pet.

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

Nakon pet godina, imaćeš 16 105,10 dolara.

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

Žao mi je Timi, moraćeš da čekaš još malo.

10 years?

Deset godina?

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

Da! Hajde da vidimo da li ćeš onda moći da priuštiš auto.

Not quite.

Ne baš.

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

Pa, Timi, izgleda da će ti trebati 26 godina da priuštiš ovaj auto.

You should ask Sheila for a ride to the beach.

Treba da pitaš Šilu za prevoz do plaže.

Maybe a bicycle will suit you better?

Možda će ti bicikl više odgovarati?

I hear the bus is pretty cheap!

Čujem da je autobus prilično jeftin!