sum total of the principal; plus interest

简明释义

本息共计

英英释义

例句

1.At the end of the investment period, I received a statement showing the sum total of the principal; plus interest earned.

在投资期结束时，我收到了显示所赚取的本金总额加上利息的对账单。

2.After five years, the loan amount will be calculated as the sum total of the principal; plus interest.

经过五年，贷款金额将被计算为本金总额加上利息。

3.The bank provided a clear breakdown of the sum total of the principal; plus interest for my mortgage.

银行提供了我的抵押贷款的本金总额加上利息的详细分解。

4.To settle the debt, you need to pay the sum total of the principal; plus interest by the end of the month.

为了偿还债务，你需要在月底之前支付本金总额加上利息。

5.When you invest, it's important to understand the sum total of the principal; plus interest over time.

当你投资时，理解本金总额加上利息随时间变化是很重要的。

作文

When it comes to understanding finances, one of the most important concepts is the idea of a loan or investment, particularly how it grows over time. A fundamental aspect of this growth is captured in the phrase sum total of the principal; plus interest. This phrase refers to the total amount owed or earned after accounting for both the original amount (the principal) and any additional earnings or costs incurred over time (the interest). Understanding this concept is crucial for anyone looking to manage their finances effectively.The principal is the initial sum of money borrowed or invested. For instance, if you take out a loan of $10,000 to buy a car, that amount is your principal. However, this amount does not remain static. Over time, lenders charge interest on the principal, which is essentially the cost of borrowing money. The interest can be thought of as a percentage of the principal that is added to the total amount owed. In our example, if the interest rate is 5% annually, after one year, you would owe an additional $500 in interest, making the sum total of the principal; plus interest $10,500.On the other hand, if you invest money, the same principle applies but in reverse. Let's say you invest the same $10,000 in a savings account with a 5% annual interest rate. After one year, your investment would earn $500 in interest, bringing the sum total of the principal; plus interest to $10,500 as well. This demonstrates how interest works in both lending and investing scenarios.Understanding the sum total of the principal; plus interest is essential not just for individuals but also for businesses. Companies often take loans to expand their operations, purchase equipment, or manage cash flow. They must keep track of the principal and interest to ensure they can meet their financial obligations. Failing to do so can lead to serious consequences, including bankruptcy.Moreover, the concept of sum total of the principal; plus interest extends beyond simple loans and investments. It is also applicable in various financial instruments like bonds, where investors receive periodic interest payments until the bond matures, at which point they receive back the principal. In this case, the sum total of the principal; plus interest represents the total return on investment.In summary, grasping the concept of sum total of the principal; plus interest is vital for anyone navigating the world of finance. Whether you are borrowing money or investing it, understanding how principal and interest interact will help you make informed decisions and better manage your financial future. This knowledge empowers individuals and businesses alike to strategize their financial goals and avoid pitfalls associated with debt and investment.

当谈到理解财务时，最重要的概念之一是贷款或投资的理念，特别是它随时间的增长。这个增长的基本方面在短语本金的总和；加上利息中得到了体现。这个短语指的是在考虑了原始金额（本金）和随时间产生的任何额外收益或成本（利息）后，所欠或所赚取的总金额。理解这个概念对任何希望有效管理财务的人来说都是至关重要的。本金是借款或投资的初始金额。例如，如果你借了10,000美元来买一辆车，那么这个金额就是你的本金。然而，这个金额并不是静态的。随着时间的推移，贷方会对本金收取利息，这本质上是借钱的成本。可以将利息视为本金的一定百分比，它会被添加到所欠的总金额中。在我们的例子中，如果利率为每年5％，那么一年后，你将多欠500美元的利息，使得本金的总和；加上利息为10,500美元。另一方面，如果你投资资金，同样的原则适用，但方向相反。假设你将同样的10,000美元投资于一个年利率为5％的储蓄账户。一年后，你的投资将赚取500美元的利息，使得本金的总和；加上利息也达到10,500美元。这展示了利息在借贷和投资场景中的运作方式。理解本金的总和；加上利息不仅对个人至关重要，对企业也是如此。公司通常会借款以扩展其业务、购买设备或管理现金流。他们必须跟踪本金和利息，以确保能够履行财务义务。如果不这样做，可能会导致严重后果，包括破产。此外，本金的总和；加上利息的概念超出了简单的贷款和投资。它同样适用于各种金融工具，如债券，投资者在债券到期之前会收到定期的利息支付，到期时他们会收回本金。在这种情况下，本金的总和；加上利息代表了投资的总回报。总之，掌握本金的总和；加上利息的概念对于任何在财务世界中航行的人都是至关重要的。无论你是在借钱还是投资，理解本金和利息如何相互作用将帮助你做出明智的决策，更好地管理你的财务未来。这种知识使个人和企业能够制定财务目标的策略，并避免与债务和投资相关的陷阱。