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monthly mortgage payment is $734 for 360 months, as shown in Exhibit 3-1. Mary s $734 monthly payments are the cash flows that she is obligated to pay under her mortgage agreement and that the bank expects to receive for lending her the money. Over the life of the mortgage (assuming that she doesn t prepay it), Mary will pay a total of $264,240 ($734 * 360 months) to the bank $100,000 is the return of principal and $164,240 is the payment of interest. The initial mortgage amount of $100,000 represents the present value to the bank of the 360 monthly payments of $734 each discounted using a rate of 8 percent and the appropriate discount factor. The 8-percent mortgage rate is the discount rate, or yield, that the bank requires to lend Mary the money. The discount rate is a function of the general level of interest rates in the economy, as represented by the yield on a U.S. Treasury bond with a similar maturity, plus a risk premium for the bank to compensate it for the possibility that Mary may not make her payments. U.S. Treasury bonds are risk free because Uncle Sam can always print more money to repay its loans! The interest or discount rate that the bank requires on Mary s mortgage depends upon the market interest rate at the time she gets her loan. If interest rates change, the present value of the mortgage could increase or decrease. Consider these two scenarios: 1. If interest rates rise, the bank will increase its lending rates on new mortgage loans in order to cover the higher market interest rates that the bank offers to attract deposits. For example, if interest rates rise 1 percent (also known as 100 basis points), the

Multichannel radio alarm system (Cont.): construction, 85 88, 90 94 parts list, 88, 90 program code, 90 94 schematic, 83, 84, 89 MVS Corporation, 44 MXCOM MX604 1200-baud modem chip, 278 283, 308, 310, 311 N National Control Devices NCD101 addressable serial-to-parallel converter, 50 53, 55, 59 National Control Devices NCD102 addressable parallel-to-serial encoder, 52 54, 56, 60 National Control Devices NCD106 addressable A/D and digital input/output control device, 53 57, 61, 62 NCD-101 addressable serial-toparallel converter, 50 53, 55, 59 NCD-102 addressable parallel-toserial encoder, 52 54, 56, 60 NCD-106 addressable A/D and digital input/output control device, 53 57, 61, 62 NCDXF/IARU International Beacon Network, 173 NetPorter software, 331 Network cable tester (see 10BaseT network cable tester) Networking (STAMP 2), 28 35 program code, 30, 31, 34 35 RS-485 serial network, 30 35 schematic, 32 NJ6355 real-time clock chip, 278, 281 283 No-parity bit, 26 Northern California DX Foundation (NCDXF), 173 O On-line documentation, 14 Optoisolator inverting buffer, 22, 24 Orb-Tracker project, 193 206 basic components, 194 196 construction, 196, 198, 200 203 parts list, 199 200 positional readout, 196 program code, 200 206 P Page-Alert project, 263 272 block diagram, 264 circuit diagram, 269 components, 265, 266, 268, 269

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Satellite systems 609 are much larger in a satellite network than in a cellular network, and they change in size and shape if the satellite moves relative to the earth s surface.

For any satellite in a circular orbit around the earth, the revolution period gets longer as the altitude increases. At an altitude of about 22,300 miles, a satellite in a circular orbit takes precisely one day to complete each revolution. If a satellite is placed in such an orbit over the equator, and if it revolves in the same direction as the earth rotates, it is called a geostationary-orbit (GEO) satellite or simply a geostationary satellite. From the viewpoint of someone on the earth, a GEO satellite stays in the same spot in the sky all the time. One GEO satellite can cover about 40 percent of the earth s surface. A satellite over Ecuador, for example, can link most cities in North America and South America. Three satellites in geostationary orbits spaced 120 degrees apart (one-third of a circle) provide coverage over the entire civilized world. Geostationary satellites are used in television (TV) broadcasting, telephone and data communication, for gathering weather and environmental data, and for radiolocation. In GEO-satellite networks, earth-based stations can communicate via a single bird only when the stations are both on a line of sight with the satellite. If two stations are nearly on opposite sides of the planet, say in Australia and Wisconsin, they must operate through two satellites to obtain a link (Fig. 32-3). In this situation, signals are relayed between the two satellites, as well as between either satellite and its respective earth-based station. The main problem with two-way GEO-satellite communication is the fact that the signal path is long: at least 22,300 miles up to the satellite, and at least 22,300 miles back down to the earth. If two satellites are used in the circuit, the path is substantially

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