Newsletter of the F1 Computer Club

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					Newsletter of the F1 Computer Club

               The                                                          Key
Volume 9, Issue 33                                                               August 2006
                                             What is Online Banking?                    increasingly
Carl King
                                             (                         competitive
President                                                                 banking
                                             If you're like most people, you've         environment.
Abby Hardin Jacqumain                        heard a lot about online banking but
Vice President                               probably haven't tried it yourself. You    Brick-to-Click Banks                            still pay your bills by mail and deposit   Today, most large national banks,
                                             checks at your bank branch, much           many regional banks and even
Cecil Hunley                                 the way your parents did. You might        smaller banks and credit unions offer
Secretary                                    shop online for a loan, life insurance     some form of online banking,                            or a home mortgage, but when it            variously known as PC banking,
Willa McGrew                                 comes time to commit, you feel more        home banking, electronic banking or
Treasurer                                    comfortable working with your              Internet banking. Those that do are                           banker or an agent you know and            sometimes referred to as "brick-to-
                                             trust.                                     click" banks, both to distinguish them
Kim Przybyl                                                                             from brick-and-mortar banks that
The F1 Key Editor                            Online banking isn't out to change         have yet to offer online banking, as                         your money habits. Instead, it uses        well as from online or "virtual" banks
                                             today's computer technology to give        that have no physical branches or
Coco Johnston                                you the option of bypassing the time-      tellers whatsoever.
Webmaster                                    consuming, paper-based aspects of                       traditional banking in order to            The challenge for the banking
                                             manage your finances more quickly          industry has been to design this new
Board Members                                and efficiently.                           service channel in such a way that
Ron Clark –                                                           its customers will readily learn to use
Mike Fox                                     Origin of Online Banking                   and trust it. After all, banks have
Peg Chilcott –           The advent of the Internet and the         spent generations earning our trust;
                                             popularity of personal computers           they aren't about to risk that on a
                                             presented both an opportunity and a        Web site that is frustrating, confusing
                                             challenge for the banking industry.        or less than secure.

                                             For years, financial institutions have     Most of the large banks now offer
                                             used powerful computer networks to         fully secure, fully functional online
                                             automate       millions     of    daily    banking for free or for a small fee.
                                             transactions; today, often the only        Some smaller banks offer limited
                                             paper record is the customer's             access or functionality; for instance,
                                             receipt at the point of sale. Now that     you may be able to view your
Inside This Issue                            its customers are connected to the         account balance and history but not
                                             Internet via personal computers,           initiate transactions online. As more
What Is Online Banking?........          2                                              banks succeed online and more
                                             banks envision similar economic
Club Business. .......................   3   advantages by adapting those same          customers use their sites, fully
                                             internal electronic processes to           functional online banking likely will
Tailor Your Windows System.              4   home use.                                  become       as    commonplace      as
                                                                                        automated teller machines.
Tailor (cont)…………………...                  5
                                             Banks view online banking as a
On the Light Side!...............…       6   powerful "value added" tool to attract     Virtual Banks
                                             and retain new customers while             If you don't mind foregoing the teller
Classifieds & More.…………..                7   helping to eliminate costly paper          window, lobby cookie and kindly
Tips & Tricks…………………..                   8   handling and teller interactions in an     bank president, a "virtual" or e-bank,
What is Online Banking? (continued)
such as Virtual Bank or Giant Bank, may save you very               • Bank site changes: Even the largest banks
real money. Virtual banks are banks without bricks; from              periodically upgrade their online programs, adding
the customer's perspective, they exist entirely on the                new features in unfamiliar places. In some cases,
Internet, where they offer pretty much the same range of              you may have to re-enter account information.
services and adhere to the same federal regulations as              • The trust thing: For many people, the biggest hurdle
your corner bank.                                                     to online banking is learning to trust it. Did my
                                                                      transaction go through? Did I push the transfer button
Virtual banks pass the money they save on overhead like               once or twice? Best bet: always print the transaction
buildings and tellers along to you in the form of higher              receipt and keep it with your bank records until it
yields, lower fees and more generous account thresholds.              shows up on your personal site and/or your bank
The major disadvantage of virtual banks revolves around
ATMs. Because they have no ATM machines, virtual                    Did you know…
banks typically charge the same surcharge that your                 The number of online banking customers increased to
brick-and-mortar bank would if you used another bank's              nearly 40 million in the fourth quarter of 2005,
automated teller. Likewise, many virtual banks won't                according to comScore Networks, which measures and
accept deposits via ATM; you'll have to either deposit the          analyzes consumer behavior. That was a 27 percent
check by mail or transfer money from another account.               increase over the previous year; online bill paying
                                                                    increased 36 percent during that time.
Advantages of Online Banking
• Convenience: Unlike your corner bank, online banking
                                                                    More Services Are Likely Soon
  sites never close; they're available 24 hours a day,
  seven days a week, and they're only a mouse click                 (
                                                                    According to Jim Bruene, editor of the industry
• Ubiquity: If you're out of state or even out of the
                                                                    newsletter Online Banking Report, you can expect e-
  country when a money problem arises, you can log on
                                                                    banks to evolve. "There's a lot of niches and ways they
  instantly to your online bank and take care of business,
                                                                    could cater to online people better," he said. They
                                                                    might start linking e-mail with the account, he
• Transaction speed: Online bank sites generally
                                                                    suggested, sending customers a message when their
  execute and confirm transactions at or quicker than
                                                                    account dips below a certain level perhaps. "Or when
  ATM processing speeds.
                                                                    someone uses your credit card—'Were you in Brazil?
• Efficiency: You can access and manage all of your                 Someone just used your card there.' "
  bank accounts, including IRAs, CDs, even securities,
  from one secure site.                                    pools different financial services in
• Effectiveness: Many online banking sites now offer                one spot, offering checking accounts like a virtual bank
  sophisticated tools, including account aggregation,               and acting as a broker referral service for insurance,
  stock quotes, rate alerts and portfolio managing                  mortgages and the like. Once E*Trade completes its
  programs to help you manage all of your assets more               Telebank deal, it will likely emulate Wingspan's efforts
  effectively. Most are also compatible with money                  to create a finance "hub" with multiple financial
  managing programs such as Quicken and Microsoft                   services.
                                                                    For people who are tech-savvy and happy with the idea
Disadvantages of Online Banking                                     of never seeing the inside of another branch, e-banks
• Start-up may take time: In order to register for your             are a good solution. Higher interest, no fees and the
  bank's online program, you will probably have to provide          ability to manage your finances more conveniently are
  ID and sign a form at a bank branch. If you and your              attractive. Bruene pointed out that virtual banks are
  spouse wish to view and manage your assets together               likely to be at the forefront with new services. But if
  online, one of you may have to sign a durable power of            your local bank offers a similar competitive service,
  attorney before the bank will display all of your holdings        there's little incentive to switch over, he said.
  together.                                                         Sometimes all you get is a better deposit rate.
• Learning curve: Banking sites can be difficult to
  navigate at first. Plan to invest some time and/or read           "Right now it's not a no-brainer to go out and say you
  the tutorials in order to become comfortable in your              should bank at an e-bank," Bruene said. Look around,
  virtual lobby.                                                    he advised. "It depends on what you need."

Volume 9, Issue 33                                             The F1 Key                                             Page 2
Club Business

  Tentative Meeting Topics                                             F1 Key Advertising Rates
  Subject to change                                                 Classified ads (25 words or less) – free to
                                                              Flyer insert (advertiser supplies ad)       $ 30.00
  Aug     22     Open                                         Full page (7.5” x 10”)                      $ 20.00
                                                              Half page (3.5” x 10”)                      $ 15.00
  Sept    26     Open                                         Quarter page (3.5” x 5”)                    $ 7.50
                                                              Sixth of a page (3.5” x 3”)                 $ 5.00
  Oct     24     Open                                         Business card                               $ 3.00
                                                              Ad on cover – add $ 5.00
                                                              Prices shown are for one ad, one month.
                                                              Ads must be submitted to the editor
                                                              ( by the 7th of the
                        When lightning is in the              month.
    DON’T               area, unplug your power               If you have any questions, e-mail:
                        cord AND your phone         
   FORGET!              line from your computer.
                        Lightning will hit a
                        computer modem before
                        it damages anything else
                        in your house. If rain is in
                        the forecast, UNPLUG
                        before you leave your
                                                               Want to join the F1 Computer Club?
                        home or office.
                                                              Membership in the F1 Club entitles you to
                                                              receive our newsletter and to come to our
                                                              meetings, held on the 4th Tuesday of each
                                                              month (except Dec.). As a member, you will
                                                              also get a discount on any classes we offer.

                                                              Come to the next meeting, check it out, and if
                                                              you decide you want to join, drop off your
                                                              membership dues – good for one full year.
           Support for the Club
                                                                      Individual membership - $18
     Bring your neighbor, friend or fishin’                       Family or business membership - $24
     buddy to our next meeting. The survival                                        OR
     of our club depends on membership. Do                    If you can’t make it to a meeting, but you still
     what YOU can to help it grow.                            want to join, send a scrap of paper with your
                                                              name, address, phone number and e-mail
     Please keep your dues paid. It’s through                 address (if you have one) to:
     these monies we are able to publish a                                  F1 Computer Club
     newsletter and give back to the                                           P.O. Box 535
     community through donations and                                    Shell Knob, MO 65747-0535
                                                                    Include your check made out to the F1
                                                                               Computer Club.

Volume 9, Issue 33                                     The F1 Key                                                 Page 3
How to Tailor Your Windows System                                                   by Norm Radder
Here are some ways to tailor your Windows system. First,                • The commandline to use to execute the program.
an overview of how Windows works. The examples in this                  • The name to be displayed in the Type column of the
piece are from a Windows XP system.                                       My Computer or Windows Explorer window
                                                                        • An icon to be displayed next to the filename in the
The most common way to start the execution of a                           Name column of My Computer or Windows
program is by double clicking on a file or shortcut. That                 Explorer
tells Windows that you want to start a program and                      • And other stuff that I'm not familiar with
optionally to give it some data (or file) to process. For
example, if you double click on a .txt file, Windows will               A commandline contains the name of the program to
start the Notepad program and tell it to read the file that             be executed and the values to be passed to it.
was clicked on.                                                         • For example, for .txt files, the commandline might
                                                                          look like
Windows has an internal table that lists ALL the file
                                                                                     Notepad.exe C:\Test\Afile.txt
extensions that it knows about, and for each file
type/extension, it has another list of programs that can be
                                                                            The program         The full path to the file that
used to process that file. You can see this by right clicking
                                                                            to be executed      Notepad is to open so that
(RC) on a file. The following image is for the RC on an
                                                                                                you can edit it
.html file:

                              Several entries have been                 Many programs expect the first value passed to it to be
                              added to the right click menu             the name of the file to be opened.
                              so that there is a quick choice
                              of which program to use. The              The values passed to a program are separated by
                              item in bold at the top of the            spaces.
                              list refers to the program that           • If the path to a file contains an internal space, then
                              will be used when you double                that value must be enclosed in quotes: "C:\My
                              click on the file. That's the               Documents\Afile.txt"
                              default action. If you right click        • If the quotes are left off, then the program will see
                              on the file, you can choose                 two values
                              which program in the list that            • The first up to the space (e.g., C:\My) and the second
                              you want to use by clicking on              what follows the space (e.g., Documents\Afile.txt)
                              it with the mouse.                        • This will result in a file not found and some error
                              Back to how Windows uses
                              the internal table. The table             There is some magic here to allow one commandline to
                              contains instructions on how              work for any of the files on your computer.
                              to find the program that is to            • The name of the file that is the first value following
                              be used when you click on a                 the program name on the commandline must be
                              file.                                       changed to match the file that was clicked on.
Most filenames have two parts: the filename – which you                 • This is done by placing a special symbol ("%1") in the
normally see and an extension – which might be hidden,                    commandline in the table.
depending on the Start Menu settings.                                   • When you double click on a txt file, Windows goes
• Example: Testing.txt (where Testing is the file name and                into the table, finds the commandline entry for
  txt is the extension).                                                  opening the file (the default entry), scans the
• The extension is separated from the filename by a                       commandline and replaces "%1" with the full path to
  period (.).                                                             the file and then executes the commmandline.
• There is an entry in this internal table for all the known
  file extensions on your computer.                                     Here is how you get this information into the system:
• If you get a file with an extension that is not in this table,        • When Windows executes a commandline, it must first
  Windows will ask you what program you want to use to                    find the location (full path) of the program.
  open the file.                                                        • Many programs are located in places where
• The message on XP is Windows cannot open this file.                     Windows can find them.
• It will ask you what program created the file and/or if                 - These programs are located in folders that have
  you want to go online to find it.                                          their full paths saved in a special place that
                                                                             Windows knows about.
For each file type/extension in the table, Windows saves                  - This place is called the PATH environment
the following information.                                                   variable.

Volume 9, Issue 33                                                 The F1 Key                                                Page 4
How to Tailor Your Windows System                                            by Norm Radder (continued)
You can look at (and change) the values of this variable        In My Computer or Windows Explorer:
and other variables. In Windows XP:                             • Click on the Tools menu
• Click Start and choose Settings and Control Panel             • Select Folder Options
• Click on the System icon on the Control Panel                 • On the Folder Options window, select the File
• Click on the Advanced tab on the System Properties              Types tab – The window at the top will be filled with
  window                                                          a list of ALL the known extensions on your system
• Click on the Environment Variables button near the            • Scroll down the list to the TXT entry
  bottom of the page

Some programs make changes to these variables when
they are installed. I would NOT recommend you making
any changes to them. Another way to see the values of
the Environment variables is to open the Command
Prompt window and enter: set following the > character
and pressing Enter.
                                                                • Click on TXT
Below is what I get on my system. I have several of my          • Click the Advanced button near the bottom (this is
own variables.                                                    on XP, there are similar menus on older Windows
                                                                • In the Edit File Type window click on the New button
                                                                • The New Action window will come up
                                                                • In the Action at the top, enter what you want to see
                                                                  as an entry in the right click menu
                                                                • In the Application Used to Perform Action field,
                                                                  enter the commandline to be executed when this item
                                                                  is chosen in the right click menu
                                                                • After clicking New, fill in the New Action window
                                                                • Copy/paste the full path to the Wordpad.exe file in
Back to the commandline in the internal table. If the             the second field
program to be executed is not located in one of the             • Add a space followed by “%1”
folders in the Path variable, then you will need to make
sure you have the full path to that program. One easy way
to get that path is to:
• Find the program in Windows Explorer
• Right click on the program
• Select Create Shortcut
• Navigate to the shortcut
• Right click on the shortcut
• Select Properties                                             Remember, this is where Windows will substitute the
• In the Shortcut tab, the Target: field near the top will      full name of the file that was clicked on. It's in quotes in
  have the full path to the program.                            case the path to the file contains a space.
  - For example, here is the Target value for Wordpad on
                                                                Another way to get the program to use is to:
    my system:
                                                                Use the Browse button to find the program
“C:\Program Files\WindowsNT\Accessories\wordpad.exe”            Add a space followed by "%1"
                                                                • Click OK in the New Action window, and you can
Another way to get the full path is to find the program on
                                                                  now see the entry that was added
the Start/Programs list and right click to get properties.
                                                               If you want to change which commandline/program is
Adding Your Own Entry to the Internal Table                    used to open a file (the default):
Now we’ll review an example of adding a program that will      • Select the entry in the Actions list
be in the list of programs shown when you right click on a     • Click the Set Default button
file.                                                             - For example, I prefer to use Wordpad vs. Word for
                                                                    Rich Text Files (.rtf), so I have changed the default
Here’s how to add Wordpad as a choice for .txt files.               to be Wordpad.
There’s already an entry for Wordpad that shows up in the         - The commandline/program that will be used when
following list.                                                     you click on a file is in bold in this list.
Volume 9, Issue 33                                        The F1 Key                                               Page 5
On the Light Side!                    Circulating e-mail

Hell Explained by a Chemistry Student                          If we accept the postulate given to me by Teresa
                                                               during my Freshman year that, "It will be a cold
The following is an actual question given on a                 day in Hell before I sleep with you," and take into
University of Washington chemistry mid-term.                   account the fact that I slept with her last night,
                                                               then number two must be true, and thus I am sure
The answer by one student was so "profound" that               that Hell is exothermic and has already frozen
the professor shared it with colleagues, via the               over. The corollary of this theory is that since Hell
Internet, which is, of course, why we now have the             has frozen over, it follows that it is not accepting
pleasure of enjoying it as well :                              any more souls and is therefore, extinct......leaving
                                                               only Heaven, thereby proving the existence of a
Bonus Question: Is Hell exothermic (gives off heat)            divine being which explains why, last night,
or endothermic (absorbs heat)?                                 Teresa kept shouting "Oh my God."

Most of the students wrote proofs of their beliefs             THIS STUDENT RECEIVED THE ONLY "A."
using Boyle's Law (gas cools when it expands and
heats when it is compressed) or some variant.

One student, however, wrote the following:                     Nice to Meet You
First, we need to know how the mass of Hell is
changing in time. So we need to know the rate at
which souls are moving into Hell and the rate at
which they are leaving. I think that we can safely
assume that once a soul gets to Hell, it will not
leave. Therefore, no souls are leaving. As for how
many souls are entering Hell, let's look at the
different religions that exist in the world today. Most
of these religions state that if you are not a member
of their religion, you will go to Hell. Since there is
more than one of these religions and since people
do not belong to more than one religion, we can
project that all souls go to Hell. With birth and death
rates as they are, we can expect the number of
souls in Hell to increase exponentially. Now, we look
at the rate of change of the volume in Hell because
Boyle's Law states that in order for the temperature
and pressure in Hell to stay the same, the volume of
Hell has to expand proportionately as souls are                F1!

This gives two possibilities:

1. If Hell is expanding at a slower rate than the rate
   at which souls enter Hell, then the temperature
   and pressure in Hell will increase until all Hell
   breaks loose.

2. If Hell is expanding at a rate faster than the
   increase of souls in Hell, then the temperature
   and pressure will drop until Hell freezes over.

So which is it?

Volume 9, Issue 33                                        The F1 Key                                          Page 6
Classifieds & More
                                       The Internet
             Mo-Net, Inc.              provider that
                                       offers toll-free,
          Your local                   local dial-up in
                                       the following
   Internet service provider           communities in
       Visit our offices at            SW Missouri:
  301 N. Lincoln in Monett, MO         Aurora
   •   E-mail account                  Exeter
   •   Personal Web page               Fairview
   •   Local access                    Jenkins
   •   Unlimited use                   Mano
   •   One low monthly rate            Monett
                                       Pierce City
         Get connected:                Purdy
                                       Shell Knob
        417-235-8291                   Slotts City
                                       Stark City
        Mailing address:               Verona
          P.O. Box 150                 Washburn
        Monett, MO 65708               Wheaton

   Rename your Digital Photos Automatically
   in Windows XP (
   Unless you really have a lot of time on your hands,
   I doubt you want to go through the massive folder
   that contains your European vacation photos and                         Built and serviced in Shell Knob.
   rename them Europe_1.jpg, Europe_2.jpg, and so                       Get the computer you want at the price
   on down the line. If you're running Windows XP on                               you want to pay.
   your computer, you don't have to do this. Simply                            Call Les Ruble
   apply this hack to quickly apply a meaningful label
   to every picture in the folder.                                             417-858-2915
   • First, open the folder and select View >                                 email:
       Thumbnails.                                                            Upgrades and Components
   • Click the last picture in the folder you want to                   Installed at the lowest possible prices
       rename, hold down the Shift key, and click the
       first picture; this will select them all.                          • RAM                • Monitors
                                                                          • Modems             • Printers
   • Right-click the first photo, and select Rename
                                                                          • Backup tape        • CD-ROM
       from the drop-down menu.                                             drives               players

   Windows XP will highlight the filename for the first                              HARD DRIVES
   photo, enabling you to give it a descriptive name.
   After you type in the name, click the white space
   outside of the photo and watch as Windows
   applies the name with a sequential number to
   each picture in the folder.

Volume 9, Issue 33                                         The F1 Key                                             Page 7
Tips, Tricks & How To’s
  Showing Full Program List in                           Tailoring a Windows Explorer Shortcut to
  Start/Programs                                         Start in your Folder vs. the C: Drive
  by Norm Radder                                         by Norm Radder
  In XP, I find it annoying for the programs shown in    I have several shortcuts on my desktop to start
  the Start/Programs listing to be continually           Windows Explorer in different folders. I prefer
  changing. I want to see the full list of available     Window Explorer to My Computer.
  programs and in the same order each time. To do
  that you need to change some settings as follows:      Here's one way to get a shortcut to the Windows
                                                         Explorer program.
  1.   Click on Start and then Settings
                                                         • Find the Explorer.exe program (in XP its in the
  2.   Choose Taskbar and Start Menu
                                                           Windows folder)
  3.   Click on the Start Menu tab
                                                         • Right click on it and select Create Shortcut
  4.   Select the Classic Start Menu
  5.   Click the Customize button                        • Copy that shortcut to the desktop. Rename it to
  6.   Scroll down and unselect Use Personalized           show what it does.
       Menus                                             • Now right click on that shortcut on the desktop and
                                                           select Properties
                                                         • Add the following to the end of the commandline in
  Changing Order of Programs/Folders in                    the Target: field: /n,/e, followed by the path to your
                                                           folder. Make sure to get all the commas. For
  Start/Programs List by Norm Radder
                                                           example the following is in my shortcut to the
                                                           D:\JavaDevelopment folder:
  I like the programs in the list to be in alphabetic
  order. To change the location of a program/folder in   C:\WINDOWS\explorer.exe /n,/e,D:\JavaDevelopment
  the list, position the mouse over it, press the left   You can also change the Icon for the shortcut by
  mouse button and hold it. Now drag the item to the     clicking on the Change Icon... button in the Shortcut
  desired location.                                      tab of the Properties page from a RC on the shortcut.

The      Key
P.O. Box 535
Shell Knob, MO 65747-0535

Tuesday, August 22, 2006, 7PM
Central Crossing Senior Center

The      Key is distributed at the following
Shell Knob Branch Public Library
Central Crossing Senior Center
Shell Knob Chamber

       The F1 Computer Club meets on the 4th Tuesday of each month at 7PM.

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