{"id":3176,"date":"2026-10-11T16:00:00","date_gmt":"2026-10-11T12:30:00","guid":{"rendered":"https:\/\/nargold.ir\/blog\/?p=3176"},"modified":"2026-10-19T14:42:05","modified_gmt":"2026-10-19T11:12:05","slug":"time-value-money","status":"publish","type":"post","link":"https:\/\/nargold.ir\/blog\/investment-basics\/macroeconomics\/time-value-money","title":{"rendered":"\u0627\u0631\u0632\u0634 \u0632\u0645\u0627\u0646\u06cc \u067e\u0648\u0644 \u0686\u06cc\u0633\u062a\u061f \u0686\u0631\u0627 \u06cc\u06a9 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u0627\u0645\u0631\u0648\u0632 \u0628\u0627 \u06cc\u06a9 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u0633\u0627\u0644 \u0628\u0639\u062f \u0628\u0631\u0627\u0628\u0631 \u0646\u06cc\u0633\u062a"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3176\" class=\"elementor elementor-3176\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccb0864 e-con-full e-flex e-con e-parent\" data-id=\"ccb0864\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d7bbd0 elementor-widget elementor-widget-text-editor\" data-id=\"7d7bbd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0627\u0631\u0632\u0634 \u0632\u0645\u0627\u0646\u06cc \u067e\u0648\u0644 (Time Value of Money) \u06cc\u0639\u0646\u06cc \u06cc\u06a9 \u0645\u0628\u0644\u063a \u0645\u0634\u062e\u0635 \u067e\u0648\u0644 \u0627\u0645\u0631\u0648\u0632\u060c \u0627\u0632 \u0647\u0645\u0627\u0646 \u0645\u0628\u0644\u063a \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u0627\u0631\u0632\u0634 \u0628\u06cc\u0634\u062a\u0631\u06cc \u062f\u0627\u0631\u062f. \u062f\u0644\u06cc\u0644\u0634 \u0633\u0627\u062f\u0647 \u0627\u0633\u062a: \u067e\u0648\u0644\u06cc \u06a9\u0647 \u0627\u0645\u0631\u0648\u0632 \u062f\u0631 \u062f\u0633\u062a \u0634\u0645\u0627\u0633\u062a 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data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0627\u0631\u0632\u0634 \u0632\u0645\u0627\u0646\u06cc \u067e\u0648\u0644 \u0686\u06cc\u0633\u062a\u061f<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e6f573 elementor-widget elementor-widget-text-editor\" data-id=\"4e6f573\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0627\u0631\u0632\u0634 \u0632\u0645\u0627\u0646\u06cc \u067e\u0648\u0644 \u06cc\u06a9\u06cc \u0627\u0632 \u067e\u0627\u06cc\u0647\u200c\u0627\u06cc\u200c\u062a\u0631\u06cc\u0646 \u0645\u0641\u0627\u0647\u06cc\u0645 \u0645\u0627\u0644\u06cc \u0627\u0633\u062a \u0648 \u062a\u0642\u0631\u06cc\u0628\u0627\u064b \u0647\u0645\u0647 \u062a\u0635\u0645\u06cc\u0645\u200c\u0647\u0627\u06cc \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632\u060c \u0648\u0627\u0645 \u0648 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0628\u0631 \u0622\u0646 \u062a\u06a9\u06cc\u0647 \u062f\u0627\u0631\u0646\u062f. \u0627\u06cc\u062f\u0647 \u0627\u0635\u0644\u06cc \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 <strong>\u0632\u0645\u0627\u0646 \u062f\u0631\u06cc\u0627\u0641\u062a \u06cc\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u067e\u0648\u0644<\/strong> \u0628\u0647 \u0627\u0646\u062f\u0627\u0632\u0647 \u062e\u0648\u062f \u0645\u0628\u0644\u063a \u0627\u0647\u0645\u06cc\u062a \u062f\u0627\u0631\u062f. \u067e\u0633 \u0628\u0631\u0627\u06cc \u0645\u0642\u0627\u06cc\u0633\u0647 \u062f\u0648 \u0645\u0628\u0644\u063a\u060c \u0628\u0627\u06cc\u062f \u0628\u062f\u0627\u0646\u06cc\u0645 \u0647\u0631 \u06a9\u062f\u0627\u0645 \u0686\u0647 \u0632\u0645\u0627\u0646\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a \u06cc\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0be842c elementor-widget elementor-widget-text-editor\" data-id=\"0be842c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0641\u0631\u0636 \u06a9\u0646\u06cc\u062f \u06a9\u0633\u06cc \u0628\u0647 \u0634\u0645\u0627 \u062f\u0648 \u067e\u06cc\u0634\u0646\u0647\u0627\u062f \u0628\u062f\u0647\u062f: \u06cc\u06a9 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0631\u0627 \u0627\u0645\u0631\u0648\u0632 \u0628\u06af\u06cc\u0631\u06cc\u062f \u06cc\u0627 \u0647\u0645\u06cc\u0646 \u0645\u0628\u0644\u063a \u0631\u0627 \u06cc\u06a9 \u0633\u0627\u0644 \u0628\u0639\u062f. \u0628\u06cc\u0634\u062a\u0631 \u0627\u0641\u0631\u0627\u062f \u0628\u062f\u0648\u0646 \u0647\u06cc\u0686 \u0645\u062d\u0627\u0633\u0628\u0647\u200c\u0627\u06cc \u06af\u0632\u06cc\u0646\u0647 \u0627\u0648\u0644 \u0631\u0627 \u0627\u0646\u062a\u062e\u0627\u0628 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f. \u0627\u06cc\u0646 \u0645\u0641\u0647\u0648\u0645 \u0647\u0645\u06cc\u0646 \u062d\u0633 \u0637\u0628\u06cc\u0639\u06cc \u0631\u0627 \u0628\u0647 \u0632\u0628\u0627\u0646 \u0639\u062f\u062f \u062f\u0631\u0645\u06cc\u200c\u0622\u0648\u0631\u062f \u0648 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06cc\u06a9 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0633\u0627\u0644 \u0628\u0639\u062f\u060c \u0627\u0645\u0631\u0648\u0632 \u062f\u0642\u06cc\u0642\u0627\u064b \u0686\u0642\u062f\u0631 \u0645\u06cc\u200c\u0627\u0631\u0632\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce5d67a elementor-widget elementor-widget-text-editor\" data-id=\"ce5d67a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0627\u06cc\u0646 \u0645\u0648\u0636\u0648\u0639 \u0641\u0642\u0637 \u0628\u0647 \u06a9\u0627\u0631 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0648 \u062a\u062d\u0644\u06cc\u0644\u06af\u0631\u0627\u0646 \u0646\u0645\u06cc\u200c\u0622\u06cc\u062f. \u0648\u0642\u062a\u06cc \u0628\u06cc\u0646 \u062e\u0631\u06cc\u062f \u0646\u0642\u062f\u06cc \u0648 \u0627\u0642\u0633\u0627\u0637\u06cc \u0627\u0646\u062a\u062e\u0627\u0628 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f\u060c \u0628\u0647 \u06a9\u0633\u06cc \u0642\u0631\u0636 \u0645\u06cc\u200c\u062f\u0647\u06cc\u062f \u06cc\u0627 \u062a\u0635\u0645\u06cc\u0645 \u0645\u06cc\u200c\u06af\u06cc\u0631\u06cc\u062f \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632\u062a\u0627\u0646 \u0631\u0627 \u06a9\u062c\u0627 \u0646\u06af\u0647 \u062f\u0627\u0631\u06cc\u062f\u060c \u062f\u0631 \u0648\u0627\u0642\u0639 \u062f\u0627\u0631\u06cc\u062f \u067e\u0648\u0644 \u0627\u0645\u0631\u0648\u0632 \u0631\u0627 \u0628\u0627 \u067e\u0648\u0644 \u0622\u06cc\u0646\u062f\u0647 \u0645\u0642\u0627\u06cc\u0633\u0647 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf9226b elementor-widget elementor-widget-heading\" data-id=\"bf9226b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0686\u0631\u0627 \u067e\u0648\u0644 \u0627\u0645\u0631\u0648\u0632 \u0627\u0631\u0632\u0634\u0645\u0646\u062f\u062a\u0631 \u0627\u0633\u062a\u061f<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abc1a5c elementor-widget elementor-widget-text-editor\" data-id=\"abc1a5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0633\u0647 \u062f\u0644\u06cc\u0644 \u0627\u0635\u0644\u06cc \u0628\u0627\u0639\u062b \u0645\u06cc\u200c\u0634\u0648\u062f \u067e\u0648\u0644 \u0627\u0645\u0631\u0648\u0632 \u0627\u0632 \u0647\u0645\u0627\u0646 \u0645\u0628\u0644\u063a \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u0627\u0631\u0632\u0634\u0645\u0646\u062f\u062a\u0631 \u0628\u0627\u0634\u062f. \u0628\u06cc\u0627\u06cc\u06cc\u062f \u0633\u0627\u062f\u0647 \u0648 \u0634\u0641\u0627\u0641 \u0647\u0631 \u06a9\u062f\u0627\u0645 \u0631\u0627 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0646\u06cc\u0645.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-112cf71 elementor-widget elementor-widget-heading\" data-id=\"112cf71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u06f1. \u0627\u0645\u06a9\u0627\u0646 \u0628\u0647 \u06a9\u0627\u0631 \u06af\u0631\u0641\u062a\u0646 \u067e\u0648\u0644<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-284b42a elementor-widget elementor-widget-text-editor\" data-id=\"284b42a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u067e\u0648\u0644\u06cc \u06a9\u0647 \u0627\u0645\u0631\u0648\u0632 \u062f\u0627\u0631\u06cc\u062f \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u062f\u0631 \u06cc\u06a9 \u0633\u067e\u0631\u062f\u0647\u060c \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631 \u06cc\u0627 \u062f\u0627\u0631\u0627\u06cc\u06cc \u062f\u06cc\u06af\u0631 \u0642\u0631\u0627\u0631 \u0628\u06af\u06cc\u0631\u062f \u0648 \u062f\u0631 \u0637\u0648\u0644 \u0633\u0627\u0644 \u0628\u0627\u0632\u062f\u0647 \u0627\u06cc\u062c\u0627\u062f \u06a9\u0646\u062f. \u0627\u06af\u0631 \u0647\u0645\u06cc\u0646 \u067e\u0648\u0644 \u0631\u0627 \u06cc\u06a9 \u0633\u0627\u0644 \u0628\u0639\u062f \u0628\u06af\u06cc\u0631\u06cc\u062f\u060c \u0627\u06cc\u0646 \u0641\u0631\u0635\u062a \u0631\u0627 \u0627\u0632 \u062f\u0633\u062a \u062f\u0627\u062f\u0647\u200c\u0627\u06cc\u062f. \u0647\u0631\u0686\u0647 \u06af\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0628\u0647\u062a\u0631\u06cc \u0628\u0631\u0627\u06cc \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u067e\u0648\u0644 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u06cc\u062f\u060c \u0635\u0628\u0631 \u06a9\u0631\u062f\u0646 \u0628\u0631\u0627\u06cc\u062a\u0627\u0646 \u06af\u0631\u0627\u0646\u200c\u062a\u0631 \u062a\u0645\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bf7ae6 elementor-widget elementor-widget-heading\" data-id=\"7bf7ae6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u06f2. \u062a\u0648\u0631\u0645 \u0648 \u0627\u0631\u0632\u0634 \u067e\u0648\u0644<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06d31fd elementor-widget elementor-widget-text-editor\" data-id=\"06d31fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u062a\u0648\u0631\u0645 \u06cc\u0639\u0646\u06cc \u0627\u0641\u0632\u0627\u06cc\u0634 \u0645\u062f\u0627\u0648\u0645 \u0633\u0637\u062d \u0639\u0645\u0648\u0645\u06cc \u0642\u06cc\u0645\u062a\u200c\u0647\u0627. \u0648\u0642\u062a\u06cc \u0642\u06cc\u0645\u062a\u200c\u0647\u0627 \u0628\u0627\u0644\u0627 \u0645\u06cc\u200c\u0631\u0648\u062f\u060c \u0628\u0627 \u06cc\u06a9 \u0645\u0628\u0644\u063a \u062b\u0627\u0628\u062a \u06a9\u0627\u0644\u0627\u06cc \u06a9\u0645\u062a\u0631\u06cc \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u062e\u0631\u06cc\u062f \u0648 <strong>\u0642\u062f\u0631\u062a \u062e\u0631\u06cc\u062f<\/strong> \u067e\u0648\u0644 \u06a9\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0627\u06af\u0631 \u062a\u0648\u0631\u0645 \u0633\u0627\u0644\u0627\u0646\u0647 \u06f3\u06f0 \u062f\u0631\u0635\u062f \u0628\u0627\u0634\u062f (\u0639\u062f\u062f \u0641\u0631\u0636\u06cc \u0627\u0633\u062a)\u060c \u06cc\u06a9 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0633\u0627\u0644 \u0628\u0639\u062f \u062a\u0642\u0631\u06cc\u0628\u0627\u064b \u0647\u0645\u0627\u0646 \u0686\u06cc\u0632\u06cc \u0631\u0627 \u0645\u06cc\u200c\u062e\u0631\u062f \u06a9\u0647 \u0627\u0645\u0631\u0648\u0632 \u0628\u0627 \u062d\u062f\u0648\u062f \u06f7\u06f6\u06f9 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646 \u0645\u06cc\u200c\u0634\u0648\u062f \u062e\u0631\u06cc\u062f. \u0628\u0631\u0627\u06cc \u0622\u0634\u0646\u0627\u06cc\u06cc \u062f\u0642\u06cc\u0642\u200c\u062a\u0631 \u0628\u0627 \u0633\u0627\u0632\u0648\u06a9\u0627\u0631 \u062a\u0648\u0631\u0645\u060c \u0645\u0637\u0644\u0628 <a href=\"https:\/\/nargold.ir\/blog\/investment-basics\/macroeconomics\/inflation-guide\">\u062a\u0648\u0631\u0645 \u0686\u06cc\u0633\u062a<\/a> \u0631\u0627 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a9eb00 elementor-widget elementor-widget-heading\" data-id=\"8a9eb00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u06f3. \u0639\u062f\u0645 \u0642\u0637\u0639\u06cc\u062a \u0648 \u0631\u06cc\u0633\u06a9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e0a7dc elementor-widget elementor-widget-text-editor\" data-id=\"0e0a7dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u067e\u0648\u0644\u06cc \u06a9\u0647 \u0627\u0645\u0631\u0648\u0632 \u062f\u0631 \u062f\u0633\u062a \u0634\u0645\u0627\u0633\u062a \u0642\u0637\u0639\u06cc \u0627\u0633\u062a\u060c \u0627\u0645\u0627 \u0648\u0639\u062f\u0647 \u062f\u0631\u06cc\u0627\u0641\u062a \u067e\u0648\u0644 \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u0647\u0645\u06cc\u0634\u0647 \u06a9\u0645\u06cc \u0631\u06cc\u0633\u06a9 \u062f\u0627\u0631\u062f. \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0628\u062f\u0647\u06a9\u0627\u0631 \u0646\u062a\u0648\u0627\u0646\u062f \u0628\u0647\u200c\u0645\u0648\u0642\u0639 \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u062f\u060c \u0634\u0631\u0627\u06cc\u0637 \u0627\u0642\u062a\u0635\u0627\u062f\u06cc \u062a\u063a\u06cc\u06cc\u0631 \u06a9\u0646\u062f \u06cc\u0627 \u062e\u0648\u062f\u062a\u0627\u0646 \u0632\u0648\u062f\u062a\u0631 \u0628\u0647 \u067e\u0648\u0644 \u0646\u06cc\u0627\u0632 \u067e\u06cc\u062f\u0627 \u06a9\u0646\u06cc\u062f. \u0647\u0631\u0686\u0647 \u0627\u06cc\u0646 \u0631\u06cc\u0633\u06a9 \u0628\u06cc\u0634\u062a\u0631 \u0628\u0627\u0634\u062f\u060c \u067e\u0648\u0644 \u0622\u06cc\u0646\u062f\u0647 \u0627\u0645\u0631\u0648\u0632 \u06a9\u0645\u062a\u0631 \u0645\u06cc\u200c\u0627\u0631\u0632\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5afcdbd elementor-widget elementor-widget-heading\" data-id=\"5afcdbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u0648 \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-022841e elementor-widget elementor-widget-text-editor\" data-id=\"022841e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0631\u0632\u0634 \u067e\u0648\u0644 \u062f\u0631 \u0632\u0645\u0627\u0646\u200c\u0647\u0627\u06cc \u0645\u062e\u062a\u0644\u0641\u060c \u062f\u0648 \u0645\u0641\u0647\u0648\u0645 \u06a9\u0644\u06cc\u062f\u06cc \u062f\u0627\u0631\u06cc\u0645. <strong>\u0627\u0631\u0632\u0634 \u0622\u062a\u06cc (Future Value)<\/strong> \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u067e\u0648\u0644 \u0627\u0645\u0631\u0648\u0632 \u0634\u0645\u0627 \u0628\u0627 \u06cc\u06a9 \u0646\u0631\u062e \u0645\u0634\u062e\u0635\u060c \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u0628\u0647 \u0686\u0647 \u0645\u0628\u0644\u063a\u06cc \u0645\u06cc\u200c\u0631\u0633\u062f. \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc (Present Value) \u0628\u0631\u0639\u06a9\u0633 \u0627\u0633\u062a \u0648 \u0645\u06cc\u200c\u06af\u0648\u06cc\u062f \u067e\u0648\u0644\u06cc \u06a9\u0647 \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f\u060c \u0627\u0645\u0631\u0648\u0632 \u0686\u0642\u062f\u0631 \u0645\u06cc\u200c\u0627\u0631\u0632\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d695b1f elementor-widget elementor-widget-heading\" data-id=\"d695b1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13d3a4f elementor-widget elementor-widget-text-editor\" data-id=\"13d3a4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0641\u0631\u0645\u0648\u0644 \u0633\u0627\u062f\u0647 \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u0627\u06cc\u0646 \u0627\u0633\u062a: FV = PV \u00d7 (1 + r)^n. \u062f\u0631 \u0627\u06cc\u0646 \u0641\u0631\u0645\u0648\u0644 PV \u0645\u0628\u0644\u063a \u0627\u0645\u0631\u0648\u0632\u060c r \u0646\u0631\u062e \u0628\u0627\u0632\u062f\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u0648 n \u062a\u0639\u062f\u0627\u062f \u0633\u0627\u0644\u200c\u0647\u0627\u0633\u062a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db343d1 elementor-widget elementor-widget-text-editor\" data-id=\"db343d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol><li>\u0645\u0628\u0644\u063a \u0627\u0645\u0631\u0648\u0632: \u06f1 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646\u061b \u0646\u0631\u062e \u0628\u0627\u0632\u062f\u0647 \u0633\u0627\u0644\u0627\u0646\u0647: \u06f2\u06f0 \u062f\u0631\u0635\u062f (\u0639\u062f\u062f \u0641\u0631\u0636\u06cc \u0627\u0633\u062a).<\/li>\n<li>\u0628\u0639\u062f \u0627\u0632 \u06cc\u06a9 \u0633\u0627\u0644: \u06f1 \u00d7 \u06f1\u066b\u06f2 = \u06f1\u066b\u06f2 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646.<\/li>\n<li>\u0628\u0639\u062f \u0627\u0632 \u062f\u0648 \u0633\u0627\u0644: \u06f1 \u00d7 \u06f1\u066b\u06f2 \u00d7 \u06f1\u066b\u06f2 = \u06f1\u066b\u06f4\u06f4 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d015e2f elementor-widget elementor-widget-text-editor\" data-id=\"d015e2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u062f\u0631 \u0633\u0627\u0644 \u062f\u0648\u0645\u060c \u0628\u0627\u0632\u062f\u0647 \u0646\u0647 \u0641\u0642\u0637 \u0631\u0648\u06cc \u0627\u0635\u0644 \u067e\u0648\u0644\u060c \u0628\u0644\u06a9\u0647 \u0631\u0648\u06cc \u0628\u0627\u0632\u062f\u0647 \u0633\u0627\u0644 \u0627\u0648\u0644 \u0647\u0645 \u0645\u062d\u0627\u0633\u0628\u0647 \u0634\u062f. \u0627\u06cc\u0646 \u0647\u0645\u0627\u0646 \u0627\u062b\u0631\u06cc \u0627\u0633\u062a \u06a9\u0647 \u062f\u0631 \u0645\u0637\u0644\u0628 <a href=\"https:\/\/nargold.ir\/blog\/investment-basics\/personal-finance\/compound-interest\">\u0633\u0648\u062f \u0645\u0631\u06a9\u0628<\/a> \u062c\u062f\u0627\u06af\u0627\u0646\u0647 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0631\u062f\u0647\u200c\u0627\u06cc\u0645.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a834559 elementor-widget elementor-widget-heading\" data-id=\"a834559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02edb6c elementor-widget elementor-widget-text-editor\" data-id=\"02edb6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0641\u0631\u0645\u0648\u0644 \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u0647\u0645\u0627\u0646 \u0641\u0631\u0645\u0648\u0644 \u0642\u0628\u0644\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0628\u0631\u0639\u06a9\u0633 \u0634\u062f\u0647: PV = FV \u00f7 (1 + r)^n. \u0628\u0647 \u0627\u06cc\u0646 \u0641\u0631\u0627\u06cc\u0646\u062f \u00ab\u062a\u0646\u0632\u06cc\u0644\u00bb \u0645\u06cc\u200c\u06af\u0648\u06cc\u0646\u062f\u060c \u06cc\u0639\u0646\u06cc \u0628\u0631\u06af\u0631\u062f\u0627\u0646\u062f\u0646 \u067e\u0648\u0644 \u0622\u06cc\u0646\u062f\u0647 \u0628\u0647 \u0627\u0631\u0632\u0634 \u0627\u0645\u0631\u0648\u0632.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c88df1 elementor-widget elementor-widget-text-editor\" data-id=\"9c88df1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol><li>\u0645\u0628\u0644\u063a\u06cc \u06a9\u0647 \u06cc\u06a9 \u0633\u0627\u0644 \u0628\u0639\u062f \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f: \u06f1 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646.<\/li>\n<li>\u0646\u0631\u062e \u0633\u0627\u0644\u0627\u0646\u0647: \u06f2\u06f0 \u062f\u0631\u0635\u062f (\u0639\u062f\u062f \u0641\u0631\u0636\u06cc \u0627\u0633\u062a).<\/li>\n<li>\u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc: \u06f1 \u00f7 \u06f1\u066b\u06f2 \u2248 \u06f0\u066b\u06f8\u06f3\u06f3 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646\u060c \u06cc\u0639\u0646\u06cc \u062d\u062f\u0648\u062f \u06f8\u06f3\u06f3 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-270b2a3 elementor-widget elementor-widget-text-editor\" data-id=\"270b2a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0628\u0647 \u0632\u0628\u0627\u0646 \u0633\u0627\u062f\u0647\u060c \u0627\u06af\u0631 \u0628\u062a\u0648\u0627\u0646\u06cc\u062f \u067e\u0648\u0644 \u0631\u0627 \u0628\u0627 \u0628\u0627\u0632\u062f\u0647 \u06f2\u06f0 \u062f\u0631\u0635\u062f \u0628\u0647 \u06a9\u0627\u0631 \u0628\u06af\u06cc\u0631\u06cc\u062f\u060c \u06cc\u06a9 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646\u06cc \u06a9\u0647 \u0633\u0627\u0644 \u0628\u0639\u062f \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f \u0628\u0631\u0627\u06cc \u0634\u0645\u0627 \u062a\u0642\u0631\u06cc\u0628\u0627\u064b \u0628\u0627 \u06f8\u06f3\u06f3 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646 \u0627\u0645\u0631\u0648\u0632 \u0628\u0631\u0627\u0628\u0631 \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0647\u0645\u0627\u0646 \u067e\u0627\u0633\u062e \u0639\u062f\u062f\u06cc \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0627\u06cc\u0646 \u0645\u0642\u0627\u0644\u0647 \u0627\u0633\u062a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f625b6a elementor-widget elementor-widget-heading\" data-id=\"f625b6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0648 \u0647\u0632\u06cc\u0646\u0647 \u0641\u0631\u0635\u062a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abbe001 elementor-widget elementor-widget-text-editor\" data-id=\"abbe001\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u062f\u0631 \u0647\u0631 \u062f\u0648 \u0645\u062d\u0627\u0633\u0628\u0647 \u0628\u0627\u0644\u0627\u060c \u0639\u062f\u062f r \u0646\u0642\u0634 \u0627\u0635\u0644\u06cc \u0631\u0627 \u062f\u0627\u0631\u062f. \u0648\u0642\u062a\u06cc \u0627\u0632 \u0627\u0645\u0631\u0648\u0632 \u0628\u0647 \u0622\u06cc\u0646\u062f\u0647 \u062d\u0631\u06a9\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u0645 \u0628\u0647 \u0622\u0646 \u0646\u0631\u062e \u0628\u0627\u0632\u062f\u0647 \u0645\u06cc\u200c\u06af\u0648\u06cc\u06cc\u0645 \u0648 \u0648\u0642\u062a\u06cc \u067e\u0648\u0644 \u0622\u06cc\u0646\u062f\u0647 \u0631\u0627 \u0628\u0647 \u0627\u0645\u0631\u0648\u0632 \u0628\u0631\u0645\u06cc\u200c\u06af\u0631\u062f\u0627\u0646\u06cc\u0645\u060c \u0628\u0647 \u0622\u0646 <strong>\u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 (Discount Rate)<\/strong> \u0645\u06cc\u200c\u06af\u0648\u06cc\u0646\u062f. \u0627\u0646\u062a\u062e\u0627\u0628 \u0627\u06cc\u0646 \u0646\u0631\u062e \u0645\u0647\u0645\u200c\u062a\u0631\u06cc\u0646 \u0648 \u062f\u0631 \u0639\u06cc\u0646 \u062d\u0627\u0644 \u0633\u062e\u062a\u200c\u062a\u0631\u06cc\u0646 \u0628\u062e\u0634 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0631\u0632\u0634 \u067e\u0648\u0644 \u0627\u0633\u062a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a183740 elementor-widget elementor-widget-heading\" data-id=\"a183740\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u0647\u0632\u06cc\u0646\u0647 \u0641\u0631\u0635\u062a \u0686\u06cc\u0633\u062a\u061f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa19a91 elementor-widget elementor-widget-text-editor\" data-id=\"fa19a91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0647\u0632\u06cc\u0646\u0647 \u0641\u0631\u0635\u062a (Opportunity Cost) \u06cc\u0639\u0646\u06cc \u0628\u0627\u0632\u062f\u0647 \u0628\u0647\u062a\u0631\u06cc\u0646 \u06af\u0632\u06cc\u0646\u0647\u200c\u0627\u06cc \u06a9\u0647 \u0628\u0647 \u062e\u0627\u0637\u0631 \u0627\u0646\u062a\u062e\u0627\u0628 \u0641\u0639\u0644\u06cc \u0627\u0632 \u062f\u0633\u062a \u0645\u06cc\u200c\u062f\u0647\u06cc\u062f. \u0645\u062b\u0644\u0627\u064b \u0627\u06af\u0631 \u067e\u0648\u0644\u062a\u0627\u0646 \u0631\u0627 \u0628\u0647 \u06a9\u0633\u06cc \u0642\u0631\u0636 \u0628\u062f\u0647\u06cc\u062f\u060c \u0647\u0632\u06cc\u0646\u0647 \u0641\u0631\u0635\u062a \u0622\u0646 \u0628\u0627\u0632\u062f\u0647\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0633\u062a\u06cc\u062f \u062f\u0631 \u06af\u0632\u06cc\u0646\u0647 \u062f\u06cc\u06af\u0631\u06cc \u0628\u0627 \u0631\u06cc\u0633\u06a9 \u0645\u0634\u0627\u0628\u0647 \u0628\u0647 \u062f\u0633\u062a \u0622\u0648\u0631\u06cc\u062f. \u0628\u0647 \u0647\u0645\u06cc\u0646 \u062f\u0644\u06cc\u0644\u060c \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0628\u0631 \u0627\u0633\u0627\u0633 \u0647\u0632\u06cc\u0646\u0647 \u0641\u0631\u0635\u062a \u0627\u0646\u062a\u062e\u0627\u0628 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43c1004 elementor-widget elementor-widget-heading\" data-id=\"43c1004\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u0686\u0647 \u0639\u0648\u0627\u0645\u0644\u06cc \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0631\u0627 \u062a\u0639\u06cc\u06cc\u0646 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f\u061f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe18d4f elementor-widget elementor-widget-text-editor\" data-id=\"fe18d4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>\u0646\u0631\u062e \u062a\u0648\u0631\u0645:<\/strong> \u0647\u0631\u0686\u0647 \u062a\u0648\u0631\u0645 \u0628\u0627\u0644\u0627\u062a\u0631 \u0628\u0627\u0634\u062f\u060c \u067e\u0648\u0644 \u0622\u06cc\u0646\u062f\u0647 \u0642\u062f\u0631\u062a \u062e\u0631\u06cc\u062f \u06a9\u0645\u062a\u0631\u06cc \u062f\u0627\u0631\u062f \u0648 \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0628\u0627\u0644\u0627\u062a\u0631 \u0645\u06cc\u200c\u0631\u0648\u062f.<\/li>\n<li>\u0646\u0631\u062e\u200c\u0647\u0627\u06cc \u0631\u0627\u06cc\u062c \u0628\u0627\u0632\u0627\u0631: \u0633\u0648\u062f \u0633\u067e\u0631\u062f\u0647 \u0648 \u0646\u0631\u062e\u200c\u0647\u0627\u06cc \u0631\u0627\u06cc\u062c \u0627\u0642\u062a\u0635\u0627\u062f\u060c \u062d\u062f\u0627\u0642\u0644 \u0628\u0627\u0632\u062f\u0647 \u062f\u0631 \u062f\u0633\u062a\u0631\u0633 \u0631\u0627 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f.<\/li>\n<li>\u0631\u06cc\u0633\u06a9: \u0647\u0631\u0686\u0647 \u0627\u062d\u062a\u0645\u0627\u0644 \u062f\u0631\u06cc\u0627\u0641\u062a \u0646\u0634\u062f\u0646 \u067e\u0648\u0644 \u06cc\u0627 \u0646\u0648\u0633\u0627\u0646 \u0628\u0627\u0632\u062f\u0647 \u0628\u06cc\u0634\u062a\u0631 \u0628\u0627\u0634\u062f\u060c \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0628\u0627\u0644\u0627\u062a\u0631\u06cc \u0644\u0627\u0632\u0645 \u0627\u0633\u062a.<\/li>\n<li>\u0627\u0641\u0642 \u0632\u0645\u0627\u0646\u06cc \u0648 \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0646\u0642\u062f\u06cc\u0646\u06af\u06cc: \u0627\u06af\u0631 \u0627\u062d\u062a\u0645\u0627\u0644 \u062f\u0627\u0631\u062f \u0632\u0648\u062f \u0628\u0647 \u067e\u0648\u0644 \u0646\u06cc\u0627\u0632 \u067e\u06cc\u062f\u0627 \u06a9\u0646\u06cc\u062f\u060c \u0635\u0628\u0631 \u06a9\u0631\u062f\u0646 \u0628\u0631\u0627\u06cc\u062a\u0627\u0646 \u0647\u0632\u06cc\u0646\u0647 \u0628\u06cc\u0634\u062a\u0631\u06cc \u062f\u0627\u0631\u062f.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e7ff39 elementor-widget elementor-widget-text-editor\" data-id=\"3e7ff39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0646\u0642\u0634 \u0628\u0627\u0646\u06a9 \u0645\u0631\u06a9\u0632\u06cc \u0648 \u0633\u06cc\u0627\u0633\u062a\u200c\u0647\u0627\u06cc \u067e\u0648\u0644\u06cc \u062f\u0631 \u062a\u0639\u06cc\u06cc\u0646 \u0633\u0637\u062d \u0646\u0631\u062e\u200c\u0647\u0627 \u0631\u0627 \u062f\u0631 \u0645\u0637\u0644\u0628 <a href=\"https:\/\/nargold.ir\/blog\/investment-basics\/macroeconomics\/interest-rate\">\u0646\u0631\u062e \u0628\u0647\u0631\u0647<\/a> \u062a\u0648\u0636\u06cc\u062d \u062f\u0627\u062f\u0647\u200c\u0627\u06cc\u0645. \u0646\u06a9\u062a\u0647 \u0645\u0647\u0645 \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0639\u062f\u062f\u06cc \u062b\u0627\u0628\u062a \u0648 \u06cc\u06a9\u0633\u0627\u0646 \u0628\u0631\u0627\u06cc \u0647\u0645\u0647 \u0646\u06cc\u0633\u062a. \u062c\u062f\u0648\u0644 \u0632\u06cc\u0631 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u06cc\u06a9 \u0645\u0628\u0644\u063a \u0686\u0642\u062f\u0631 \u0628\u0647 \u0627\u06cc\u0646 \u0646\u0631\u062e \u062d\u0633\u0627\u0633 \u0627\u0633\u062a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0d4fb6 elementor-widget elementor-widget-text-editor\" data-id=\"f0d4fb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<table>\n<thead>\n<tr><th>\u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0633\u0627\u0644\u0627\u0646\u0647 (\u0641\u0631\u0636\u06cc)<\/th><th>\u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u06f1 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646\u0650 \u0633\u0627\u0644 \u0628\u0639\u062f<\/th><\/tr>\n<\/thead>\n<tbody>\n<tr><td>\u06f1\u06f0\u066a<\/td><td>\u062d\u062f\u0648\u062f \u06f9\u06f0\u06f9 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646<\/td><\/tr>\n<tr><td>\u06f2\u06f0\u066a<\/td><td>\u062d\u062f\u0648\u062f \u06f8\u06f3\u06f3 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646<\/td><\/tr>\n<tr><td>\u06f4\u06f0\u066a<\/td><td>\u062d\u062f\u0648\u062f \u06f7\u06f1\u06f4 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646<\/td><\/tr>\n<\/tbody>\n<\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb4f440 elementor-widget elementor-widget-heading\" data-id=\"eb4f440\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u06a9\u0627\u0631\u0628\u0631\u062f \u0627\u0631\u0632\u0634 \u0632\u0645\u0627\u0646\u06cc \u067e\u0648\u0644 \u062f\u0631 \u062a\u0635\u0645\u06cc\u0645\u200c\u0647\u0627\u06cc \u0631\u0648\u0632\u0645\u0631\u0647<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-822e523 elementor-widget elementor-widget-image\" data-id=\"822e523\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"447\" src=\"https:\/\/nargold.ir\/blog\/wp-content\/uploads\/2026\/10\/time-value-money-02-1024x572.webp\" class=\"attachment-large size-large wp-image-3374\" alt=\"\u062e\u0631\u06cc\u062f \u0646\u0642\u062f\u06cc \u06cc\u0627 \u0627\u0642\u0633\u0627\u0637\u06cc \u0628\u0627 \u0645\u0642\u0627\u06cc\u0633\u0647 \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc\" srcset=\"https:\/\/nargold.ir\/blog\/wp-content\/uploads\/2026\/10\/time-value-money-02-1024x572.webp 1024w, https:\/\/nargold.ir\/blog\/wp-content\/uploads\/2026\/10\/time-value-money-02-300x168.webp 300w, https:\/\/nargold.ir\/blog\/wp-content\/uploads\/2026\/10\/time-value-money-02-768x429.webp 768w, https:\/\/nargold.ir\/blog\/wp-content\/uploads\/2026\/10\/time-value-money-02.webp 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5150cc4 elementor-widget elementor-widget-text-editor\" data-id=\"5150cc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0634\u0627\u06cc\u062f \u0641\u0631\u0645\u0648\u0644\u200c\u0647\u0627 \u06a9\u0645\u06cc \u062e\u0634\u06a9 \u0628\u0647 \u0646\u0638\u0631 \u0628\u0631\u0633\u0646\u062f\u060c \u0627\u0645\u0627 \u0647\u0645\u06cc\u0646 \u0645\u0646\u0637\u0642 \u0633\u0627\u062f\u0647 \u062f\u0631 \u0645\u0648\u0642\u0639\u06cc\u062a\u200c\u0647\u0627\u06cc \u0622\u0634\u0646\u0627\u06cc \u0632\u0646\u062f\u06af\u06cc \u0628\u0647 \u06a9\u0627\u0631 \u0645\u06cc\u200c\u0622\u06cc\u062f. \u0686\u0646\u062f \u0646\u0645\u0648\u0646\u0647 \u0631\u0627 \u0628\u0627 \u0647\u0645 \u0628\u0628\u06cc\u0646\u06cc\u0645.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-197058d elementor-widget elementor-widget-heading\" data-id=\"197058d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u062e\u0631\u06cc\u062f \u0646\u0642\u062f\u06cc \u06cc\u0627 \u0627\u0642\u0633\u0627\u0637\u06cc<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b70446 elementor-widget elementor-widget-text-editor\" data-id=\"5b70446\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0641\u0631\u0636 \u06a9\u0646\u06cc\u062f \u0644\u067e\u200c\u062a\u0627\u067e\u06cc \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0646\u0642\u062f\u06cc \u06f3\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0628\u062e\u0631\u06cc\u062f \u06cc\u0627 \u062f\u0631 \u0633\u0647 \u0642\u0633\u0637 \u06f1\u06f2 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646\u06cc \u0628\u067e\u0631\u062f\u0627\u0632\u06cc\u062f: \u0627\u0645\u0631\u0648\u0632\u060c \u0634\u0634 \u0645\u0627\u0647 \u0628\u0639\u062f \u0648 \u06cc\u06a9 \u0633\u0627\u0644 \u0628\u0639\u062f. \u062c\u0645\u0639 \u0627\u0642\u0633\u0627\u0637 \u06f3\u06f6 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0627\u0633\u062a\u060c \u0627\u0645\u0627 \u0628\u0631\u0627\u06cc \u0645\u0642\u0627\u06cc\u0633\u0647 \u062f\u0631\u0633\u062a \u0628\u0627\u06cc\u062f \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u0622\u0646\u200c\u0647\u0627 \u0631\u0627 \u062d\u0633\u0627\u0628 \u06a9\u0646\u06cc\u0645. \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0631\u0627 \u06f1\u06f0 \u062f\u0631\u0635\u062f \u0628\u0631\u0627\u06cc \u0647\u0631 \u0634\u0634 \u0645\u0627\u0647 \u062f\u0631 \u0646\u0638\u0631 \u0645\u06cc\u200c\u06af\u06cc\u0631\u06cc\u0645 (\u0639\u062f\u062f \u0641\u0631\u0636\u06cc \u0627\u0633\u062a).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01576f4 elementor-widget elementor-widget-text-editor\" data-id=\"01576f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol><li>\u0642\u0633\u0637 \u0627\u0645\u0631\u0648\u0632: \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u0647\u0645\u0627\u0646 \u06f1\u06f2 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0627\u0633\u062a.<\/li>\n<li>\u0642\u0633\u0637 \u0634\u0634 \u0645\u0627\u0647 \u0628\u0639\u062f: \u06f1\u06f2 \u00f7 \u06f1\u066b\u06f1 \u2248 \u06f1\u06f0\u066b\u06f9\u06f1 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646.<\/li>\n<li>\u0642\u0633\u0637 \u06cc\u06a9 \u0633\u0627\u0644 \u0628\u0639\u062f: \u06f1\u06f2 \u00f7 \u06f1\u066b\u06f2\u06f1 \u2248 \u06f9\u066b\u06f9\u06f2 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646.<\/li>\n<li>\u062c\u0645\u0639 \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u0627\u0642\u0633\u0627\u0637: \u062d\u062f\u0648\u062f \u06f3\u06f2\u066b\u06f8\u06f3 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74d29ab elementor-widget elementor-widget-text-editor\" data-id=\"74d29ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0686\u0648\u0646 \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u0627\u0642\u0633\u0627\u0637 \u0627\u0632 \u0642\u06cc\u0645\u062a \u0646\u0642\u062f\u06cc \u0628\u06cc\u0634\u062a\u0631 \u0627\u0633\u062a\u060c \u062f\u0631 \u0627\u06cc\u0646 \u0645\u062b\u0627\u0644 \u062e\u0631\u06cc\u062f \u0646\u0642\u062f\u06cc \u0628\u0647\u200c\u0635\u0631\u0641\u0647\u200c\u062a\u0631 \u0627\u0633\u062a. \u0627\u0645\u0627 \u0627\u06af\u0631 \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0634\u0645\u0627 \u062e\u06cc\u0644\u06cc \u0628\u0627\u0644\u0627\u062a\u0631 \u0628\u0627\u0634\u062f \u06cc\u0627 \u0627\u062e\u062a\u0644\u0627\u0641 \u0642\u06cc\u0645\u062a \u0646\u0642\u062f \u0648 \u0627\u0642\u0633\u0627\u0637 \u06a9\u0645\u062a\u0631 \u0628\u0627\u0634\u062f\u060c \u0646\u062a\u06cc\u062c\u0647 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0628\u0631\u0639\u06a9\u0633 \u0634\u0648\u062f. \u067e\u0633 \u0628\u0647\u200c\u062c\u0627\u06cc \u062c\u0645\u0639 \u0633\u0627\u062f\u0647 \u0627\u0642\u0633\u0627\u0637\u060c <strong>\u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc<\/strong> \u0622\u0646\u200c\u0647\u0627 \u0631\u0627 \u0628\u0627 \u0642\u06cc\u0645\u062a \u0646\u0642\u062f\u06cc \u0645\u0642\u0627\u06cc\u0633\u0647 \u06a9\u0646\u06cc\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c97bd56 elementor-widget elementor-widget-heading\" data-id=\"c97bd56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u0642\u0631\u0636 \u062f\u0627\u062f\u0646 \u0628\u062f\u0648\u0646 \u0633\u0648\u062f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e74cd1 elementor-widget elementor-widget-text-editor\" data-id=\"0e74cd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0627\u06af\u0631 \u0627\u0645\u0631\u0648\u0632 \u06f1\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0628\u0647 \u06cc\u06a9\u06cc \u0627\u0632 \u0646\u0632\u062f\u06cc\u06a9\u0627\u0646\u062a\u0627\u0646 \u0642\u0631\u0636 \u0628\u062f\u0647\u06cc\u062f \u0648 \u0647\u0645\u0627\u0646 \u0645\u0628\u0644\u063a \u0631\u0627 \u06cc\u06a9 \u0633\u0627\u0644 \u0628\u0639\u062f \u067e\u0633 \u0628\u06af\u06cc\u0631\u06cc\u062f\u060c \u0627\u0632 \u0646\u0638\u0631 \u0639\u062f\u062f\u06cc \u0686\u06cc\u0632\u06cc \u06a9\u0645 \u0646\u0634\u062f\u0647 \u0627\u0633\u062a. \u0627\u0645\u0627 \u0628\u0627 \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u06f2\u06f0 \u062f\u0631\u0635\u062f\u060c \u0627\u0631\u0632\u0634 \u0627\u0645\u0631\u0648\u0632 \u0622\u0646 \u0645\u0628\u0644\u063a \u062d\u062f\u0648\u062f \u06f8\u066b\u06f3 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0627\u0633\u062a (\u0639\u062f\u062f \u0641\u0631\u0636\u06cc \u0627\u0633\u062a). \u0627\u06cc\u0646 \u0645\u062d\u0627\u0633\u0628\u0647 \u062f\u0631\u0633\u062a \u06cc\u0627 \u063a\u0644\u0637 \u0628\u0648\u062f\u0646 \u0642\u0631\u0636 \u062f\u0627\u062f\u0646 \u0631\u0627 \u062a\u0639\u06cc\u06cc\u0646 \u0646\u0645\u06cc\u200c\u06a9\u0646\u062f\u061b \u0641\u0642\u0637 \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f \u0647\u0632\u06cc\u0646\u0647 \u0648\u0627\u0642\u0639\u06cc \u0622\u0646 \u0631\u0627 \u0622\u06af\u0627\u0647\u0627\u0646\u0647 \u0628\u067e\u0630\u06cc\u0631\u06cc\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c662a24 elementor-widget elementor-widget-heading\" data-id=\"c662a24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u0646\u06af\u0647 \u062f\u0627\u0634\u062a\u0646 \u067e\u0648\u0644 \u0646\u0642\u062f \u0648 \u0627\u0646\u062a\u062e\u0627\u0628 \u062c\u0627\u06cc \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea153c3 elementor-widget elementor-widget-text-editor\" data-id=\"ea153c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u067e\u0648\u0644\u06cc \u06a9\u0647 \u0628\u062f\u0648\u0646 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u062f\u0631 \u062d\u0633\u0627\u0628 \u062c\u0627\u0631\u06cc \u06cc\u0627 \u062e\u0627\u0646\u0647 \u0645\u06cc\u200c\u0645\u0627\u0646\u062f\u060c \u062f\u0631 \u062f\u0648\u0631\u0647\u200c\u0647\u0627\u06cc \u062a\u0648\u0631\u0645\u06cc \u0628\u0647\u200c\u062a\u062f\u0631\u06cc\u062c \u0642\u062f\u0631\u062a \u062e\u0631\u06cc\u062f\u0634 \u0631\u0627 \u0627\u0632 \u062f\u0633\u062a \u0645\u06cc\u200c\u062f\u0647\u062f. \u0627\u0632 \u0637\u0631\u0641 \u062f\u06cc\u06af\u0631\u060c \u0647\u0631 \u06af\u0632\u06cc\u0646\u0647\u200c\u0627\u06cc \u06a9\u0647 \u0628\u0627\u0632\u062f\u0647 \u0628\u06cc\u0634\u062a\u0631\u06cc \u0648\u0639\u062f\u0647 \u0645\u06cc\u200c\u062f\u0647\u062f\u060c \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0631\u06cc\u0633\u06a9 \u0628\u06cc\u0634\u062a\u0631\u06cc \u0647\u0645 \u062f\u0627\u0631\u062f\u061b \u0627\u0632 \u0633\u067e\u0631\u062f\u0647 \u0628\u0627\u0646\u06a9\u06cc \u06af\u0631\u0641\u062a\u0647 \u062a\u0627 \u0637\u0644\u0627\u060c \u0633\u0647\u0627\u0645 \u06cc\u0627 \u0645\u0644\u06a9. \u0641\u0631\u0642 \u0646\u06af\u0647 \u062f\u0627\u0634\u062a\u0646 \u067e\u0648\u0644 \u0628\u0631\u0627\u06cc \u062d\u0641\u0638 \u0627\u0631\u0632\u0634 \u0628\u0627 \u0628\u0647 \u06a9\u0627\u0631 \u06af\u0631\u0641\u062a\u0646 \u0622\u0646 \u0628\u0631\u0627\u06cc \u0631\u0634\u062f \u0631\u0627 \u062f\u0631 \u0645\u0637\u0644\u0628 <a href=\"https:\/\/nargold.ir\/blog\/investment-basics\/personal-finance\/saving-investing-difference\">\u062a\u0641\u0627\u0648\u062a \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0648 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc<\/a> \u0628\u062e\u0648\u0627\u0646\u06cc\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab1542 elementor-widget elementor-widget-text-editor\" data-id=\"1ab1542\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<blockquote><p>\u0646\u06a9\u062a\u0647: \u0628\u0631\u0627\u06cc \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0636\u0631\u0648\u0631\u06cc \u0648 \u0635\u0646\u062f\u0648\u0642 \u0627\u0636\u0637\u0631\u0627\u0631\u06cc\u060c \u0646\u0642\u062f\u0634\u0648\u0646\u062f\u06af\u06cc \u0648 \u0627\u0645\u0646\u06cc\u062a \u0645\u0647\u0645\u200c\u062a\u0631 \u0627\u0632 \u0628\u0627\u0632\u062f\u0647 \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0645\u0641\u0647\u0648\u0645 \u0627\u0628\u0632\u0627\u0631\u06cc \u0628\u0631\u0627\u06cc \u0645\u0642\u0627\u06cc\u0633\u0647 \u06af\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u0633\u062a\u060c \u0646\u0647 \u062f\u0644\u06cc\u0644\u06cc \u0628\u0631\u0627\u06cc \u0627\u06cc\u0646\u06a9\u0647 \u0647\u0645\u0647 \u067e\u0648\u0644\u062a\u0627\u0646 \u0631\u0627 \u0648\u0627\u0631\u062f \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u067e\u0631\u0646\u0648\u0633\u0627\u0646 \u06a9\u0646\u06cc\u062f.<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7e65f9 elementor-widget elementor-widget-heading\" data-id=\"a7e65f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0633\u0648\u0627\u0644\u0627\u062a \u0645\u062a\u062f\u0627\u0648\u0644<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9abbef3 elementor-widget elementor-widget-n-accordion\" data-id=\"9abbef3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1620\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1620\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u06f1. \u0627\u0631\u0632\u0634 \u0632\u0645\u0627\u0646\u06cc \u067e\u0648\u0644 \u0628\u0627 \u062a\u0648\u0631\u0645 \u0686\u0647 \u0641\u0631\u0642\u06cc \u062f\u0627\u0631\u062f\u061f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" color=\"currentColor\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M17.9998 15C17.9998 15 13.5809 9.00001 11.9998 9C10.4187 8.99999 5.99985 15 5.99985 15\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" color=\"currentColor\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M18 9.00005C18 9.00005 13.5811 15 12 15C10.4188 15 6 9 6 9\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1620\" class=\"elementor-element elementor-element-7154712 e-con-full e-flex e-con e-child\" data-id=\"7154712\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09b1058 elementor-widget elementor-widget-heading\" data-id=\"09b1058\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\u062a\u0648\u0631\u0645 \u0641\u0642\u0637 \u06cc\u06a9\u06cc \u0627\u0632 \u062f\u0644\u0627\u06cc\u0644 \u0627\u06cc\u0646 \u0645\u0641\u0647\u0648\u0645 \u0627\u0633\u062a. \u0627\u0631\u0632\u0634 \u067e\u0648\u0644 \u0627\u0645\u0631\u0648\u0632 \u062d\u062a\u06cc \u062f\u0631 \u0627\u0642\u062a\u0635\u0627\u062f\u06cc \u0628\u0627 \u062a\u0648\u0631\u0645 \u0635\u0641\u0631 \u0647\u0645 \u0628\u06cc\u0634\u062a\u0631 \u0627\u0632 \u067e\u0648\u0644 \u0622\u06cc\u0646\u062f\u0647 \u0627\u0633\u062a\u060c \u0686\u0648\u0646 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0622\u0646 \u0631\u0627 \u0628\u0647 \u06a9\u0627\u0631 \u06af\u0631\u0641\u062a \u0648 \u062f\u0631\u06cc\u0627\u0641\u062a\u0634 \u0642\u0637\u0639\u06cc \u0627\u0633\u062a. \u062a\u0648\u0631\u0645 \u06a9\u0627\u0647\u0634 \u0642\u062f\u0631\u062a \u062e\u0631\u06cc\u062f \u0631\u0627 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f\u060c \u0627\u0645\u0627 \u0627\u0631\u0632\u0634 \u0632\u0645\u0627\u0646\u06cc \u067e\u0648\u0644 \u0639\u0644\u0627\u0648\u0647 \u0628\u0631 \u0622\u0646\u060c \u0647\u0632\u06cc\u0646\u0647 \u0641\u0631\u0635\u062a \u0648 \u0631\u06cc\u0633\u06a9 \u0631\u0627 \u0647\u0645 \u062f\u0631 \u0646\u0638\u0631 \u0645\u06cc\u200c\u06af\u06cc\u0631\u062f. \u062f\u0631 \u0627\u0642\u062a\u0635\u0627\u062f \u0627\u06cc\u0631\u0627\u0646\u060c \u062a\u0648\u0631\u0645 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0633\u0647\u0645 \u0628\u0632\u0631\u06af\u06cc \u0627\u0632 \u0627\u06cc\u0646 \u0627\u062e\u062a\u0644\u0627\u0641 \u0631\u0627 \u062a\u0634\u06a9\u06cc\u0644 \u0645\u06cc\u200c\u062f\u0647\u062f.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1621\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1621\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u06f2. \u062f\u0631 \u0627\u0642\u0633\u0627\u0637 \u0647\u0645 \u0627\u0631\u0632\u0634 \u0632\u0645\u0627\u0646\u06cc \u067e\u0648\u0644 \u0645\u0647\u0645 \u0627\u0633\u062a\u061f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" color=\"currentColor\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M17.9998 15C17.9998 15 13.5809 9.00001 11.9998 9C10.4187 8.99999 5.99985 15 5.99985 15\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" color=\"currentColor\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M18 9.00005C18 9.00005 13.5811 15 12 15C10.4188 15 6 9 6 9\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1621\" class=\"elementor-element elementor-element-67f74ae e-con-full e-flex e-con e-child\" data-id=\"67f74ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ac84ff elementor-widget elementor-widget-heading\" data-id=\"2ac84ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\u0628\u0644\u0647\u060c \u0648 \u06cc\u06a9\u06cc \u0627\u0632 \u06a9\u0627\u0631\u0628\u0631\u062f\u06cc\u200c\u062a\u0631\u06cc\u0646 \u062c\u0627\u0647\u0627\u06cc \u0622\u0646 \u0647\u0645\u06cc\u0646\u200c\u062c\u0627\u0633\u062a. \u062c\u0645\u0639 \u0633\u0627\u062f\u0647 \u0627\u0642\u0633\u0627\u0637 \u0645\u0639\u06cc\u0627\u0631 \u062f\u0642\u06cc\u0642\u06cc \u0646\u06cc\u0633\u062a\u060c \u0686\u0648\u0646 \u0642\u0633\u0637\u200c\u0647\u0627\u06cc\u06cc \u06a9\u0647 \u062f\u06cc\u0631\u062a\u0631 \u067e\u0631\u062f\u0627\u062e\u062a \u0645\u06cc\u200c\u0634\u0648\u0646\u062f \u0627\u0645\u0631\u0648\u0632 \u06a9\u0645\u062a\u0631 \u0645\u06cc\u200c\u0627\u0631\u0632\u0646\u062f. \u0628\u0631\u0627\u06cc \u0645\u0642\u0627\u06cc\u0633\u0647 \u062f\u0631\u0633\u062a\u060c \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u0647\u0645\u0647 \u0627\u0642\u0633\u0627\u0637 \u0631\u0627 \u0628\u0627 \u06cc\u06a9 \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0648\u0627\u0642\u0639\u200c\u0628\u06cc\u0646\u0627\u0646\u0647 \u062d\u0633\u0627\u0628 \u06a9\u0646\u06cc\u062f \u0648 \u0628\u0627 \u0642\u06cc\u0645\u062a \u0646\u0642\u062f\u06cc \u0628\u0633\u0646\u062c\u06cc\u062f. \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u062c\u0627\u0646\u0628\u06cc \u0645\u062b\u0644 \u067e\u06cc\u0634\u200c\u067e\u0631\u062f\u0627\u062e\u062a\u060c \u06a9\u0627\u0631\u0645\u0632\u062f\u060c \u0686\u06a9 \u0636\u0645\u0627\u0646\u062a \u06cc\u0627 \u062c\u0631\u06cc\u0645\u0647 \u062f\u06cc\u0631\u06a9\u0631\u062f \u0631\u0627 \u0647\u0645 \u062f\u0631 \u0646\u0638\u0631 \u0628\u06af\u06cc\u0631\u06cc\u062f.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1622\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1622\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u06f3. \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0631\u0627 \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0634\u062e\u0635\u06cc \u0686\u0637\u0648\u0631 \u0627\u0646\u062a\u062e\u0627\u0628 \u06a9\u0646\u06cc\u0645\u061f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" color=\"currentColor\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M17.9998 15C17.9998 15 13.5809 9.00001 11.9998 9C10.4187 8.99999 5.99985 15 5.99985 15\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" color=\"currentColor\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M18 9.00005C18 9.00005 13.5811 15 12 15C10.4188 15 6 9 6 9\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1622\" class=\"elementor-element elementor-element-a7f28cb e-con-full e-flex e-con e-child\" data-id=\"a7f28cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a86a672 elementor-widget elementor-widget-heading\" data-id=\"a86a672\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\u0639\u062f\u062f \u062f\u0642\u06cc\u0642 \u0648 \u0648\u0627\u062d\u062f\u06cc \u0648\u062c\u0648\u062f \u0646\u062f\u0627\u0631\u062f. \u06cc\u06a9 \u0631\u0648\u0634 \u0633\u0627\u062f\u0647 \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0627\u0632 \u062e\u0648\u062f\u062a\u0627\u0646 \u0628\u067e\u0631\u0633\u06cc\u062f \u0627\u06af\u0631 \u0627\u06cc\u0646 \u067e\u0648\u0644 \u0631\u0627 \u062f\u0631 \u0627\u062e\u062a\u06cc\u0627\u0631 \u062f\u0627\u0634\u062a\u06cc\u062f\u060c \u062f\u0631 \u06af\u0632\u06cc\u0646\u0647\u200c\u0627\u06cc \u0628\u0627 \u0631\u06cc\u0633\u06a9 \u0645\u0634\u0627\u0628\u0647 \u0686\u0647 \u0628\u0627\u0632\u062f\u0647\u06cc \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0633\u062a\u06cc\u062f \u0628\u0647 \u062f\u0633\u062a \u0622\u0648\u0631\u06cc\u062f. \u0628\u0631\u0627\u06cc \u062a\u0635\u0645\u06cc\u0645\u200c\u0647\u0627\u06cc \u06a9\u0645\u200c\u0631\u06cc\u0633\u06a9\u060c \u0646\u0631\u062e \u0633\u0648\u062f \u0633\u067e\u0631\u062f\u0647\u200c\u0647\u0627\u06cc \u0631\u0627\u06cc\u062c \u0646\u0642\u0637\u0647 \u0634\u0631\u0648\u0639 \u0645\u0639\u0642\u0648\u0644\u06cc \u0627\u0633\u062a \u0648 \u0628\u0631\u0627\u06cc \u062a\u0635\u0645\u06cc\u0645\u200c\u0647\u0627\u06cc \u067e\u0631\u0631\u06cc\u0633\u06a9\u200c\u062a\u0631\u060c \u0646\u0631\u062e \u0628\u0627\u0644\u0627\u062a\u0631\u06cc \u0644\u0627\u0632\u0645 \u0627\u0633\u062a. \u0627\u06af\u0631 \u0645\u0637\u0645\u0626\u0646 \u0646\u06cc\u0633\u062a\u06cc\u062f\u060c \u0645\u062d\u0627\u0633\u0628\u0647 \u0631\u0627 \u0628\u0627 \u0686\u0646\u062f \u0646\u0631\u062e \u0645\u062e\u062a\u0644\u0641 \u062a\u06a9\u0631\u0627\u0631 \u06a9\u0646\u06cc\u062f.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1623\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1623\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u06f4. \u0622\u06cc\u0627 \u0646\u06af\u0647 \u062f\u0627\u0634\u062a\u0646 \u067e\u0648\u0644 \u0646\u0642\u062f \u0647\u0645\u06cc\u0634\u0647 \u0628\u0647 \u0636\u0631\u0631 \u0627\u0633\u062a\u061f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" color=\"currentColor\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M17.9998 15C17.9998 15 13.5809 9.00001 11.9998 9C10.4187 8.99999 5.99985 15 5.99985 15\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" width=\"24\" height=\"24\" color=\"currentColor\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M18 9.00005C18 9.00005 13.5811 15 12 15C10.4188 15 6 9 6 9\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1623\" class=\"elementor-element elementor-element-7e82a15 e-con-full e-flex e-con e-child\" data-id=\"7e82a15\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-218286d elementor-widget 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data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u062c\u0645\u0639\u200c\u0628\u0646\u062f\u06cc<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74618f0 elementor-widget elementor-widget-text-editor\" data-id=\"74618f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0627\u0631\u0632\u0634 \u0632\u0645\u0627\u0646\u06cc \u067e\u0648\u0644 \u062a\u0648\u0636\u06cc\u062d \u0645\u06cc\u200c\u062f\u0647\u062f \u0686\u0631\u0627 \u06cc\u06a9 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0627\u0645\u0631\u0648\u0632 \u0628\u0627 \u06cc\u06a9 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0633\u0627\u0644 \u0628\u0639\u062f \u0628\u0631\u0627\u0628\u0631 \u0646\u06cc\u0633\u062a: \u067e\u0648\u0644 \u0627\u0645\u0631\u0648\u0632 \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 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\u0631\u0627 \u0645\u0646\u0635\u0641\u0627\u0646\u0647\u200c\u062a\u0631 \u0628\u0627 \u0647\u0645 \u0645\u0642\u0627\u06cc\u0633\u0647 \u06a9\u0646\u06cc\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99c32a7 elementor-widget elementor-widget-image\" data-id=\"99c32a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"447\" src=\"https:\/\/nargold.ir\/blog\/wp-content\/uploads\/2026\/10\/time-value-money-03-1024x572.webp\" class=\"attachment-large size-large wp-image-3375\" alt=\"\u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u0648 \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u0628\u0627 \u0645\u062b\u0627\u0644 \u0639\u062f\u062f\u06cc \u0641\u0631\u0636\u06cc\" srcset=\"https:\/\/nargold.ir\/blog\/wp-content\/uploads\/2026\/10\/time-value-money-03-1024x572.webp 1024w, https:\/\/nargold.ir\/blog\/wp-content\/uploads\/2026\/10\/time-value-money-03-300x168.webp 300w, https:\/\/nargold.ir\/blog\/wp-content\/uploads\/2026\/10\/time-value-money-03-768x429.webp 768w, https:\/\/nargold.ir\/blog\/wp-content\/uploads\/2026\/10\/time-value-money-03.webp 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f7aabb elementor-widget elementor-widget-text-editor\" data-id=\"8f7aabb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>\u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u067e\u0648\u0644 \u0627\u0645\u0631\u0648\u0632 \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u0628\u0647 \u0686\u0647 \u0645\u0628\u0644\u063a\u06cc \u0645\u06cc\u200c\u0631\u0633\u062f \u0648 \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u067e\u0648\u0644 \u0622\u06cc\u0646\u062f\u0647 \u0627\u0645\u0631\u0648\u0632 \u0686\u0642\u062f\u0631 \u0645\u06cc\u200c\u0627\u0631\u0632\u062f.<\/li>\n<li>\u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0647\u0632\u06cc\u0646\u0647 \u0641\u0631\u0635\u062a\u060c \u062a\u0648\u0631\u0645 \u0648 \u0631\u06cc\u0633\u06a9 \u0627\u0646\u062a\u062e\u0627\u0628 \u0645\u06cc\u200c\u0634\u0648\u062f \u0648 \u0628\u0631\u0627\u06cc \u0647\u0631 \u0646\u0641\u0631 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0645\u062a\u0641\u0627\u0648\u062a \u0628\u0627\u0634\u062f.<\/li>\n<li>\u062f\u0631 \u062e\u0631\u06cc\u062f \u0627\u0642\u0633\u0627\u0637\u06cc\u060c \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u0627\u0642\u0633\u0627\u0637 \u0631\u0627 \u0628\u0627 \u0642\u06cc\u0645\u062a \u0646\u0642\u062f\u06cc \u0645\u0642\u0627\u06cc\u0633\u0647 \u06a9\u0646\u06cc\u062f\u060c \u0646\u0647 \u062c\u0645\u0639 \u0633\u0627\u062f\u0647 \u0622\u0646\u200c\u0647\u0627 \u0631\u0627.<\/li>\n<li>\u0628\u0627\u0632\u062f\u0647 \u0628\u06cc\u0634\u062a\u0631 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0628\u0627 \u0631\u06cc\u0633\u06a9 \u0628\u06cc\u0634\u062a\u0631 \u0647\u0645\u0631\u0627\u0647 \u0627\u0633\u062a\u061b \u0646\u0642\u062f\u0634\u0648\u0646\u062f\u06af\u06cc \u0635\u0646\u062f\u0648\u0642 \u0627\u0636\u0637\u0631\u0627\u0631\u06cc \u0631\u0627 \u0641\u062f\u0627\u06cc \u0628\u0627\u0632\u062f\u0647 \u0646\u06a9\u0646\u06cc\u062f.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67419a8 elementor-widget elementor-widget-text-editor\" data-id=\"67419a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0627\u06af\u0631 \u0628\u0639\u062f \u0627\u0632 \u0628\u0631\u0631\u0633\u06cc \u0627\u06cc\u0646 \u0646\u06a9\u0627\u062a \u062a\u0635\u0645\u06cc\u0645 \u06af\u0631\u0641\u062a\u06cc\u062f \u06af\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0645\u062e\u062a\u0644\u0641 \u062d\u0641\u0638 \u0627\u0631\u0632\u0634 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0631\u0627 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0646\u06cc\u062f\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f <a href=\"https:\/\/nargold.ir\/markets\/gold18\">\u0642\u06cc\u0645\u062a \u0644\u062d\u0638\u0647\u200c\u0627\u06cc \u0637\u0644\u0627<\/a> \u0631\u0627 \u062f\u0631 \u0646\u0627\u0631\u06af\u0644\u062f \u0628\u0628\u06cc\u0646\u06cc\u062f \u0648 \u0628\u0627 \u062e\u06cc\u0627\u0644 \u0631\u0627\u062d\u062a \u0648 \u0628\u062f\u0648\u0646 \u0639\u062c\u0644\u0647 \u062a\u0635\u0645\u06cc\u0645 \u0628\u06af\u06cc\u0631\u06cc\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d46b52 elementor-widget elementor-widget-text-editor\" data-id=\"9d46b52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u0627\u06cc\u0646 \u0645\u0637\u0644\u0628 \u0635\u0631\u0641\u0627\u064b \u0622\u0645\u0648\u0632\u0634\u06cc \u0627\u0633\u062a \u0648 \u062a\u0648\u0635\u06cc\u0647 \u0645\u0627\u0644\u06cc \u06cc\u0627 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0645\u062d\u0633\u0648\u0628 \u0646\u0645\u06cc\u200c\u0634\u0648\u062f. \u067e\u06cc\u0634 \u0627\u0632 \u0647\u0631 \u062a\u0635\u0645\u06cc\u0645\u060c \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627 \u0631\u0627 \u0628\u0627 \u0634\u0631\u0627\u06cc\u0637 \u0645\u0627\u0644\u06cc \u062e\u0648\u062f \u0628\u0633\u0646\u062c\u06cc\u062f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u067e\u0648\u0644 \u0627\u0645\u0631\u0648\u0632 \u0627\u0632 \u0647\u0645\u0627\u0646 \u0645\u0628\u0644\u063a \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u0627\u0631\u0632\u0634 \u0628\u06cc\u0634\u062a\u0631\u06cc \u062f\u0627\u0631\u062f. \u062f\u0631 \u0627\u06cc\u0646 \u0645\u0642\u0627\u0644\u0647 \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc\u060c \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc\u060c \u0646\u0631\u062e \u062a\u0646\u0632\u06cc\u0644 \u0648 \u0647\u0632\u06cc\u0646\u0647 \u0641\u0631\u0635\u062a \u0631\u0627 \u0628\u0627 \u0645\u062b\u0627\u0644\u200c\u0647\u0627\u06cc \u0633\u0627\u062f\u0647 \u0648 \u0641\u0631\u0636\u06cc \u06cc\u0627\u062f \u0645\u06cc\u200c\u06af\u06cc\u0631\u06cc\u062f.<\/p>\n","protected":false},"author":7,"featured_media":3376,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[],"class_list":["post-3176","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-macroeconomics"],"_links":{"self":[{"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/posts\/3176","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/comments?post=3176"}],"version-history":[{"count":5,"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/posts\/3176\/revisions"}],"predecessor-version":[{"id":3380,"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/posts\/3176\/revisions\/3380"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/media\/3376"}],"wp:attachment":[{"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/media?parent=3176"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/categories?post=3176"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nargold.ir\/blog\/wp-json\/wp\/v2\/tags?post=3176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}