Newsletter of the F1 Computer Club
Volume 9, Issue 33 www.f1computerclub.com August 2006
What is Online Banking? increasingly
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
firstname.lastname@example.org 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,
email@example.com 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
firstname.lastname@example.org 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
email@example.com 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
firstname.lastname@example.org 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 – email@example.com its customers will readily learn to use
Mike Fox Origin of Online Banking and trust it. After all, banks have
Peg Chilcott – firstname.lastname@example.org 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 (www.money.cnn.com)
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. WingspanBank.com 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
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
(email@example.com) 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 firstname.lastname@example.org
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
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
Windows has an internal table that lists ALL the file
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
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:
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
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
Mo-Net, Inc. provider that
Your local local dial-up in
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
Get connected: Purdy
417-235-8291 Slotts City
Mailing address: Verona
P.O. Box 150 Washburn
Monett, MO 65708 Wheaton
Rename your Digital Photos Automatically
in Windows XP (www.c-net.com)
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: Iruble@mo-net.com
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
1. Click on Start and then Settings
• Find the Explorer.exe program (in XP its in the
2. Choose Taskbar and Start Menu
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
• 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
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.
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.