The time value of money - German Nande

如何计算你的现金的未来价值 - German Nande

翻译人员: Yichi Liu 校对人员: Becky Zhao

They say, 'Time is money,'

人们都说：“时间就是金钱。”

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

但是，他们两者之间到底有什么联系呢？

Meet Sheila!

这是茜拉！

She just got her first big bonus.

她刚刚拿到了她的第一笔奖金。

茜拉很清楚的知道她要怎么花这一笔钱。

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

她看中一辆漂亮的敞篷车有一段时间了。

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

Yes, Sheila, that's a nice car!

是的，茜拉，这是一辆很好的车！

Oh, looks like Sheila is a little short.

噢，看起来茜拉的钱不太够。

But wait!

但是，等一等！

She has an idea.

茜拉有办法。

Sheila is a smart cookie.

茜拉是一个聪明的女孩儿。

She knows that if she deposits the money for a year

茜拉知道，如果她今天先不买车，

instead of buying the car today,

而是把钱存入银行一年，

she will earn interest.

她会得到一些利息。

Then she'll be able to afford the car.

然后她就卖得起车了。

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

茜拉知道，一年之后，这些钱的总价值相当于

will equal the money deposited today plus the interest earned.

今天所存的钱加上未来一年积攒的利息。

We call Sheila's money deposited today

我们把茜拉今天存入银行的钱

the present value of money.

叫做现值。

And the value of Sheila's deposit next year

明年茜拉从银行取出的钱

is the future value of money.

叫做终值。

What connects one to the other?

是什么把两者联系在一起呢？

The interest rate,

利率，也被认为是

also known as the time value of money.

金钱的时间价值。

Now, with a little bit of rearranging,

现在，只要改变一下数值，

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

我们可以通过这个公式，

计算出茜拉的钱的终值。

with this equation.

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

一年之后，这笔钱的终值是11,000美元。

Well, it's been a year!

好了，一年过去了！

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

茜拉现在有足够的钱去买那辆车。

Sheila really understands the future value of money.

茜拉真是懂得利用钱的终值。

Now, I just hope she understands the speed limit!

我希望她也同样明白什么是限速！

Now, meet Timmy.

现在，让我们来认识一下蒂米。

He's also gotten his bonus.

他也拿到了一笔奖金。

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

蒂米是一个很能烧钱的人。

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

是的，蒂米，这辆车绝对能吸引眼球。

Oh! Looks like you're a little short.

噢，看起来你的钱不太够。

Maybe you can follow Sheila's example.

你也许可以学习茜拉。

You see, Timmy, just like Sheila,

你看，蒂米，就像茜拉这样，

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

一年以后，你会拥有11,000美元。

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

但是蒂米，这些钱还是不够买豪车。

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

不如你把钱再多存一年吧？

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

让我们看看两年后这笔钱会发生什么变化。

With a little bit of rearranging,

只要稍微重新计算一下，

it becomes the value of your money next year,

把原值乘以1加上利率，

times one plus the interest rate.

就可以得到一年后这笔钱的价值。

We can then convert the future value one year from now

然后把得到的数值再乘以1加上利率，

to the present value times one plus the interest rate.

可以得到两年以后的价值。

We can even simplify this further

我们甚至只需要通过计算1加利率的平方

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

来进一步的简化这个过程。

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

不好意思，蒂米，虽然两年后你会有更多的钱，

but you still can't afford the car!

但你还是买不起那辆车！

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

我不知道你还得等多少年，

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

但是我可以告诉你其中一个计算的方法。

Do you see that little number two in the equation?

你看到公式里那个小小的数字二了吗？

Any number that you put in there

那个数字代表了

is the number of years that you are waiting,

你还需要等待几年，

also known as the period.

也被叫做周期。

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

没问题，蒂米，我们可以看看五年后你会有多少钱。

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

让我们用五年的时间将终值和现值联系起来。

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

将周期从二增加到五。

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

五年之后，你会有16,105.10美元

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

对不起，蒂米，你还需要再等久一点。

10 years?

10年？

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

好的！让我们看看到那时你能不能买这辆车。

Not quite.

还差一点。

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

蒂米，看起来，你需要26年的时间才能买得起这辆车。

You should ask Sheila for a ride to the beach.

你应该问问茜拉能不能载你去海滩。

Maybe a bicycle will suit you better?

也许，自行车更适合你？

I hear the bus is pretty cheap!

我知道公交车也特别的便宜！