time of value

时间的价值(The Value of Time)时间的价值Nobody knows what time is like, for we cannot see it, nor can we touch it. Time is abstract, which we can only imagine in our mind.But we do know that time passes very quickly. Some students, however, do not know the value of time, nor do they know how to make the best use of it, for they waste it in going to films, playing games and doing other useless things.Why do we go to school early in the morning? Why do trains run so fast? Why do most people prefer taking buses instead of walking? The answer is very simple: we wish to save time because time is precious.Today we are living in the twentieth century. We know that time is life. When a person dies, his time has ended.Since life is short, we must devote our time and energy to our studies so that we may be able to serve our country and the people. But since time is invisible, we often neglect it. Lazinss. is the thief of time, for lasiness not only brings us a lot of harm, it also brings us failure. If it is necessary for us to do some work today, let us do it today and not leave it until tomorrow. Remember that time is more valuable than money.参考译文：时间的价值谁也不知道时间是什么样子，因为我们既看不见它，也摸不着它。

时间的宝贵(The Value of Time)提纲：1.时间比金钱更可贵。

2.应当珍惜每寸光阴。

3.要养成节约时间的好习惯。

时间的宝贵(the value of time)a proverb says,"time is money." but in my opinion, time is even more precious than money. why? because when money is spent, we can earn it back. however, when time is gone, it will never return. this is the reason why we must value time.it goes without saying that the time for our study and work is unusually limited. hence, even an hour is extremely precious. we should make full use of our time to do useful things. as a student,i must make efforts to engage in my study so as to serve our nation and people in the future. but it is a pity that there. are a lot of people who do not know the importance of time. they do not realize that wasting time is equal to wasting a part of their valuable life.in a word, we should form the good habit of saving time. do not put off what can be done today till tomorrow. laziness will not only bring us failure but also lead us to the road of poverty.时间的宝贵说，“时间就是金钱。

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还有一种预付年金的计算。 • 预付年金（Prepaid annuity）是于每期期初付款的年 金，又称即付年金。
• （1）预付年金终值的计算。预付年金的终值是其最后 一期期末（n期末）时的本利和。（2）预付年金现值 的计算。 • 3．递延年金现值的计算 • 递延年金（Deferred annuity）是指第一次支付发 生在第二期或第二期以后的普通年金。 • 4．永续年金现值的计算 • 无限期等额支付的年金，称为永续年金（Perpetual annuity），即期数趋向于无穷远的普通年金。 • 5．货币时间价值的特殊计算问题 • （1）利率的计算。复利的利率可根据其终值计算表达 式导出： • i=（S/P）1/n-1
式中(1+i)n称为复利终值系数，记为（F/P，i，n）
例：某人将10 000元投资于一项事业，年报酬率为 6%，要求：计算第3年末的期终金额为多少？ 解：F=10 000×(1+6%)3=10 000×1.1910=11 910（元）
2、现值（P）
P=F/(1+i)n=F(1+i)-n……… ……… … ……… … （4）
1 q
• p A(1 i)1 A(1 i)2 … A(1 i)n 1 (1 i ) n 2 =A[(1 i)1 (1 i)… (1 i) n ]= A ……（3） i • 说明：上式中称为复利现值系数，记为（P/A，i，n）， 查表
一、单利的终值和现值
1、终值（F）：
F1
0 1
100 （i=10%）
F2 …… Fn
2 …… n
F1=100+100×10%=100（1+1×10%） F2=100+100×10%+100×10%=100（1+2×10%）

英语作文：时间的价值 The Value of TimeTime is a precious resource that we can never get back once it is gone. We should always try our best to make the most of our time and use it wisely.Time can be used in many ways. We can use it to learn new skills, pursue our hobbies, and spend quality time with friends and family. We can also use it to relax and take a break from the hustle and bustle of everyday life.Time is also valuable because it allows us to reflect and think about our lives. We can use this reflection time to make plans and set goals for ourselves. This will help us stay motivated and focused on our paths to success.Finally, time can be used to help others. We can volunteer our time to help those in need or to work on projects that benefit our community. This will not only improve the lives of others, but it will also make us feel good about ourselves and the work we are doing.In conclusion, time is an invaluable resource that should not be taken for granted. We should always strive to make the most of our time and use it wisely.。