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where A1 through An are the individual annual cash flows for the life of the investment, and i is the interest or discount rate being used. A0 is the initial investment. Although it is possible with this formula to arrive at an NPV investment decision, it is much easier to use the table of discount factors illustrated in Exhibit 12.4. For example, Exhibit 12.5 gives projections of savings and costs for two machines. Machine A has an investment cost of $10,000; Machine B an investment cost of $9,400. Estimating the future savings and costs is the most difficult part of the exercise. In our case, we are forecasting for five years. We have to assume the figures are as accurate as they can be. Obviously, the longer the period, the less accurate the estimates are likely to be. Note that depreciation for each machine is calculated as follows: Machine A Initial cost Residual (trade-in, scrap) value $9,000 5 $10,000 ( 1,000) $ 9,000 $1,800 per yr. $9,200 5 Machine B $9,400 ( 200) $9,200 $1,840 per yr.

Internship Required one year of full-time clinical training prior to being awarded a doctorate in clinical psychology. Involuntary Commitment Being held in a hospital setting without agreeing to the hospitalization. Joining Family systems term referring to the therapist s attempt to connect with the family and become part of the family unit rather than act in a detached observer manner in the sessions. Joint Custody Legal term for both parents who are divorced, maintaining legal custody of their children. Jury Selection The use of principles of psychology to choose jury members that might maximize an advantage to one side of the legal case. Kaufman Scales Cognitive tests that measure intellectual and achievement functioning. Learning Disorders Cognitive processing problems in reading, writing, math, and other skills important to success in school. Licensure State document and registration that allows a psychologist to practice and offer services to the public. Longitudinal Research method that follows the responses of subjects over time. Magnetic Resonance Imaging (MRI) Neuroimaging technique that analyzes the nuclear magnetic movements of hydrogen in the water and fat of the body. Malingering desired gain. Faking an illness to obtain some

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Begin Transaction Fund_Transfer(from, to, amount); Begin Transaction Debit Read bal(from); If account not found then Begin Print "account not found"; Abort Debit; Exit; End if; bal(from) = bal(from) amount; if bal(from) < 0 then Begin Print "insufficient funds"; Abort Debit; Exit; End if;

Don t respond to e-mail asking for private information: Instead, be proactive and call the bank or company and ask them whether they are trying to get in touch with you Most nancial institutions have toll-free phone numbers you can call (usually the numbers are listed on the back of your credit cards) Don t click on links in strange or unexpected e-mail: This is especially true of those that appear to be from nancial institutions Read your e-mail of ine (disconnected from the Internet): This will prevent hostile code from being downloaded to your computer if you accidentally click a phishing link in an e-mail For dial-up users, this is easy: simply log-off your Internet service For users of always-on, high-speed cable/DSL connections, you will need to turn on the lock feature of your software rewall to halt all inbound and outbound Internet activity.

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