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Welcome to this week's edition of the Computer Kindergarten Newsletter.
Today is Sunday, June 16, 2013

To all the Dads, we wish you a very Happy Father’s Day!!

The editors of this newsletter will be taking vacation for the next three weeks. We wish everyone a happy and safe 4th of July!

In this Issue:
Special Feature: Top 10 Most Common Consumer Complaints
Special Feature: Mac 101 – The Grand Tour: The Finder
Special Series: Twenty Things I Learned About Browsers and the Web: 19 Things Later...
Special Series: The Windows 8 Lock Screen
This Week's Topic: Windows - The Difference Between Save and Save As
Special Feature: iPad Basics - Syncing with iCloud - Enabling Automatic Downloads
Websites of Interest: Father's Day; Summer Solstice; Independence Day


Special Feature: Top 10 Most Common Consumer Complaints

By Ron Burley of aarp.org

The FTC says these offers and industries frustrate consumers and are ripe for rip-off artists. Here's how to protect yourself.

In 2010, the Federal Trade Commission (FTC) received more than 1.3 million consumer complaints in more than 30 categories. Many consumers cited abusive or exploitive business practices. More than half alleged outright fraud.

Just so you know who's out their trying to take you to the cleaners, here are the top 10 ways the FTC says you are most likely to be financially abused, cheated or exploited.

10. Credit cards. Complaints included account and billing issues, unexpected interest rate changes, late fees and overcharges. The only surprise here is that the category is so low on the list. Credit card complaints used to be in the top three in past years. However, the industry may be getting a little help from new congressional legislation limiting credit card companies' ability to impose outrageous fees and interest rates. (You might want to check how your legislators voted on that one before heading to the polls next year.)

9. Telephone and mobile services. Consumer complaints included charges for calls to toll-free numbers, unauthorized switching of services (slamming), and misleading prepaid phone card offers. I think the number of complaints in this category would be much higher, but the FTC doesn't include complaints about outrageous termination fees, which are unfortunately legal.

8. Foreign money offers and counterfeit check scams. The FTC describes this as "letters or emails offering the 'opportunity' to share in a percentage of millions of dollars that a self-proclaimed government official is trying to transfer illegally out of a foreign country in return for money." Our response? There is no money for you in Nigeria!

7. Internet auctions. Reports included nondelivery or late delivery of goods, goods that are less valuable than advertised, and failure to disclose all the relevant information about the product or terms of the sale. You could just call this the eBay or Craigslist scam. Before you click to purchase one of these offers, just remember the AARP member who wrote to us about the $7,000 she wired to get a car that apparently never existed from a seller who's nowhere to be found.

6. Impostor scams. Scammers pretend to be with a government agency or related to the consumer in order to lure them into a scam such as a foreign lottery or a prize/sweepstakes offer. If you didn't catch it the first time: THERE IS STILL NO MONEY FOR YOU IN NIGERIA!

5. Shop-at-home and catalog sales. Consumers reported various problems, such as undisclosed costs, failure to deliver on time, nondelivery, and refusal to honor guarantees. Many of these situations could be avoided with a little online research. Shop somewhere else if you find more than two unresolved complaints with the Better Business Bureau or below a 90 percent rating on Amazon, Yelp! or Bizrate. RipOffReport.com is also a good place to check.

4. Prizes, sweepstakes and lotteries. In this category, the FTC includes "promotions for 'free' prizes for a fee; foreign lotteries and sweepstakes offered through the phone, fax, email or mail; etc." Are you beginning to see a pattern here? This is the third category dealing with what are basically get-something-for-nothing scams. The abbreviation TANSTAAFL first appeared in the 1930s. It stands for "There Ain't No Such Thing as a Free Lunch." It's as true today as it was then.

3. Internet services. Problems with Internet service providers (ISPs) involve trial offers, account issues, undisclosed charges, spyware, adware, malware and social networking services. In our experience, the biggest problem for consumers dealing with Internet companies is that there is often no storefront or place to go to complain in person. Always, always, always pay with a credit card from a bank with which you have a great customer relationship, so that the bank will be more likely to believe you than the vendor.

2. Debt collection. Consumers reported debt collectors for all kinds of illegal and unethical behavior, including calling continually, misrepresenting the amount or status of debt, failure to send written notice, and even profane language. Kicking a guy when he's down is unkind and, in many cases, illegal. If you're being harassed, get familiar with the Fair Debt Collection Practices Act and quote it next time you're called. You'll sleep better at night.

And, the most reported consumer complaint to the FTC is (drum roll please):

1. Identity theft. The FTC describes this as "when someone appropriates your personal identifying information (like your Social Security number or credit card account number) to commit fraud or theft. Hey, wait a minute! How is this a consumer problem? After all, identity theft is really your financial institution giving general funds to the wrong person but deducting it from your account. That person might be claiming to be you, but isn't "giving money to the right person" a bank's basic job description? If they can't do that, what good are they? And why does it become your problem to fix if the bank doesn't have a method to make sure they give your money to you? I advise keeping track of all expenses incurred as a result of any "identity theft" incident and demanding compensation from the failing institution. By the way, the FTC reported that your financial institution is more likely to give your money to the wrong person if you live in Florida, Arizona or California.


Special Feature: Mac 101 – The Grand Tour: The Finder

From apple.com

OS X Lion is the most technologically advanced operating system Apple has ever released. While there's a lot of powerful stuff going on under the hood, Lion makes it easy for you to work, play, and get entertainment on your Mac.

These lessons will introduce you to the different pieces that make up the Mac interface, show you how to get around in it. You'll also learn how to use the Finder and Finder windows, the desktop, the menu bar, the Dock, the Trash, files and folders, and more.

The Finder

The Finder in OS X Lion provides you access to your files and folders. This article applies to OS X Lion v10.7 and later.

Finder Windows

Finder allows you to visually access practically everything on your Mac, including applications, hard disks, files, folders, and CDs. You can use the Finder to organize all your files and folders as you want, search for stuff anywhere on your Mac, delete things you don't want, and more.

To see your files, click the Finder icon in the Dock, then click "All My Files" in the sidebar.

Finder windows include a sidebar on the left side. Items are grouped into categories: favorites, shared, devices—just like the Source list in iTunes. The favorites portion contains favorite links to folders which includes Desktop, Documents, Movies, Music, Pictures, and the Applications folder. The shared portion contains computers that are connected to your computer though the network. The device portion contains mounted and accessible volumes you have, such as a hard disk, USB flash drive, network volume, DVD, and so forth.

Top left, you will see red, yellow and green circles. These are the Window close, minimize and zoom buttons. To close the window, click the round, red button in the upper-left corner. If you don't want to close the window but want it out of your way, click the round, yellow button to minimize the window to the Dock. If a window is full of stuff, you can resize it by dragging the lower-right corner to make it bigger, or click the round, green button to maximize the window's size.

The Back and Forward buttons (left and right arrows) are immediately below the close, minimize and zoom buttons - As you move to different places in the Finder window, you can use the back button to return one step back and the forward button to go forward.

To the immediate right, you will see four buttons in a row. These are the Finder window View buttons:
* Icon view - Used to display the contents of your folder as a series of icons. In Icon view, you can view live icon previews that you can use to thumb through a multipage document or watch a QuickTime movie.
* List view - Used to display your folder in a spreadsheet-style manner. Each folder can be expanded by clicking on the disclosure triangle just to the left of the folder. You can easily sort by file name, date modified, and so forth. Choose Show View Options from the View menu to add or remove attribute columns. You can change the sorting from ascending order to descending order and back again by clicking on the attribute column title.
* Column view - Used to display the hierarchy of your folders where each column represents a folder.
* Cover Flow view - Used to display the contents of your folder just like the Cover Flow used in iTunes. You can see live previews of images, documents and movies, and can thumb through documents and movies.

To the right is a button that looks like a gear. This opens the Action Menu - Quick access to Finder functions for highlighted items, such as Get Info, Move to Trash, and Services.

To the immediate right is the Item Arrangement button - In any view, you can organize the window by clicking the item arrangement button and choosing one of the ways to group items.

To the right is the Search Field - Start typing a word or phrase and Spotlight will search your Mac for any matches.

The row that contains the Back and Forward buttons, Finder window View buttons, Action Menu, Item Arrangement button and Search Field is called the Toolbar.

Right pane - The contents of a folder selected in the Sidebar are shown in this pane.

Pane edge (the line between the left pane and the sidebar) - Drag to resize pane.

Sidebar - Items are grouped into categories: Favorites, Shared, and Devices—the top portion has Favorites which contains quick access to All My Files, Applications, Desktop, Documents, Downloads, Movies, Music, and Pictures. The middle portion has Shared which contains any computers or servers on your network. The bottom portion has Devices which contains whatever is connected to your Mac, such as a hard disk, network share points, SD memory card, or DVDs.

The contents of the folder selected in the sidebar appears in the right pane. If you'd like to change how folder and volume contents appear in the right pane, click one of the Finder window View buttons in the toolbar. For example, when we click the list view button, it enables you to see more content in the window than icons view, and displays some extra file and folder information, such as the last date the item was modified, the file size, and what kind of item it is. As in Icons view, you can navigate through your stuff by simply double-clicking folders until you find what you're looking for.

If you'd rather see your stuff displayed in a more hierarchical fashion, click the Columns view button. In Columns view, the right pane splits into multiple columns to display your computer's file and folder organization. Instead of double-clicking folders to see what's inside, select a folder in any column, click on it once, and its contents will appear in another column to its right. If you really start digging down deep into your folder, you can drag the bottom-right corner of the Finder window to expand it and see how many layers you've traveled.
Getting Around

When you click All My Files, all files and folders on your computer that you have created or downloaded, such as documents, photos, music, and movies are displayed in a categories list according to the types of files.

The Applications folder contains all the applications installed on your Mac. It also includes a Utilities folder, which contains a bunch of utilities, programs that are designed to support different functions of your Mac.

When you put stuff on your desktop, technically it's being stored in your user account's Desktop folder, even though it appears on your desktop. When you bring music into iTunes, your music files get stored in the iTunes folder in your user's Music folder. Likewise, iPhoto stores pictures in the Pictures folder and iMovie stores movies in the Movies folder. You can get quick access to your folders from any Finder window's sidebar.

The Users folder houses all the content for each user on your Mac; each user gets a separate Home folder that's named after his or her user account name. The Documents, Downloads, Movies, Music, and Pictures in the favorites section of the Sources list are subfolders within your Home folder.

Find Stuff Fast

You can find stuff quickly using the search field in the Finder window. This field uses the Spotlight technology to scour any volume you select. Combine Cover Flow with Spotlight and you’ve got an amazingly powerful search tool. Use your mouse pointer and hover over the file to shuffle through them visually.

Just start typing in the search field, and Spotlight dynamically displays results in the Finder window and search suggestions will pop-up below the search field that match your criteria as you type. You can choose where you want Spotlight to look by clicking on an item in the header, such as Servers, This Mac, Home, and more, that appears just below the search field in the Finder window. Spotlight will scour the location you select and organize its search results by kind.

In our next edition: The Mac Desktop


Special Series: Twenty Things I Learned About Browsers and the Web: 19 Things Later...

Many of us these days depend on the World Wide Web to bring the world’s information to our fingertips, and put us in touch with people and events across the globe instantaneously.

These powerful online experiences are possible thanks to an open web that can be accessed by anyone through a web browser, on any Internet-connected device in the world.

But how do our browsers and the web actually work? How has the World Wide Web evolved into what we know and love today? And what do we need to know to navigate the web safely and efficiently?

“20 Things I Learned About Browsers and the Web” is a short guide for anyone who’s curious about the basics of browsers and the web. Here’s what you’ll find here:

First we’ll look at the Internet, the very backbone that allows the web to exist. We’ll also take a look at how the web is used today, through cloud computing and web apps.

Then, we’ll introduce the building blocks of web pages like HTML and JavaScript, and review how their invention and evolution have changed the websites you visit every day. We’ll also take a look at the modern browser and how it helps users browse the web more safely and securely.

Finally, we’ll look ahead to the exciting innovations in browsers and web technologies that we believe will give us all even faster and more immersive online experiences in the future.

Life as citizens of the web can be liberating and empowering, but also deserves some self-education. Just as we’d want to know various basic facts as citizens of our physical neighborhoods -- water safety, key services, local businesses -- it’s increasingly important to understand a similar set of information about our online lives. That’s the spirit in which we wrote this guide. Many of the examples used to illustrate the features and functionality of the browser often refer back to Chrome, the open-source browser that we know well. We hope you find this guide as enjoyable to read as we did to create.
Happy browsing!
The Google Chrome Team

19 Things Later...

...and here we are at Thing 20. Let's recap.

Today’s web is a colorful, visual, practical, nutty, busy, friend-filled, fun and incredibly useful place. Many of us now live a life of cloud computing on the Internet: we read the news, watch movies, chat with friends, and do our daily tasks online with web-based applications right the browser. Web apps let us do that from anywhere in the world, even if we left our laptops at home.

It’s all possible thanks to the evolution of web standards like HTML, JavaScript, and CSS, as well as browser plug-ins. New capabilities in HTML5 are helping developers create the next generation of truly inventive web apps.

What else is taking shape in the clouds?

It takes a modern browser to make the most of the web’s modern features.

Modern browsers also help protect against malware and phishing.

Open-source sharing has given us better browsers and a faster, richer, more complex web. And open-source brainpower is making the future of the web even brighter.

What’s in that bright future? 3D in the browser, faster speeds, and sync across all devices, among other fine things.

Being an informed citizen of the web requires some self-education — for instance, learning to control your browser’s privacy settings for various types of content including cookies.

You’re also safer on the web when you pay attention to visual cues in the browser, like checking the URLs you’re sent to, and looking for an “https://” secure connection or extended validation.

The final takeaways?

Use a modern browser, first and foremost. Or try a new one and see if it brings you happier browsing that’s better suited to your needs.

The web will keep evolving — dramatically! Support cutting-edge web technologies like HTML5, CSS3 and WebGL, because they’ll help the web community imagine and create a future of great, innovative web apps.

Lastly, try new things. The web is a new and exciting place every day, so try tasks that you didn’t think could be done online -- such as researching your ancestry back ten generations, or viewing a real-time webcam image from a climbing basecamp in the Himalayas. You might be surprised by what you find!

Thanks for joining us for our Twenty Things I Learned About Browsers and the Web series.


Special Series: The Windows 8 Lock Screen

From soluto.com

The lock screen for Windows 8 is the screen for your Windows 8 PC that appears when you boot your PC or when it is sleeping. The lock screen doesn’t have any applications on it. Instead, it only gives you the most basic information, such as the date and time, Windows 8 app notifications and updates, and event updates from your calendar.

If you’re using a pc, touching any key or moving the mouse will dissolve the lock screen, bringing you back to your Windows 8 start screen or desktop mode. Or, if you’re using a touch device, simply touch or swipe the screen to get back to your Windows 8 start screen.

If you’re leaving your computer for a few minutes and want to turn on your Windows 8 lock screen, simply press the Win Key + L, and your lock screen will be displayed.

What are Windows 8 lock Screen Apps?

Lock screen apps are Windows 8 apps that run in the background of your PC even when your PC is sleeping. These are the apps that give notifications on your screen. For example, if you select e-mail as a lock screen app to sit on your lock screen, you’ll get notifications on the lock screen telling you when you have a new email message. You can designate up to 7 apps as lock screen apps. Out of these apps, you can also choose one app to give you detailed notifications. For example, if you select your calendar for this function, you’ll receive detailed updates about events and meetings that you have added to your Windows 8 calendar app. Lock screen apps mean you don’t even have to be using your PC to get the most important information you need from it.

Can I Customize My Lock Screen?

With Windows 8, there are a number of different ways you can customize your lock screen. Adding Lock screen apps is one way, so that you choose which information you see when your lock screen is showing. You can also change the image that appears on your lock screen, which can be accessed in “Settings” in the Charm Bar, by clicking “Change PC Settings” at the bottom of the section. There, you can browse through the images available from Microsoft for Windows 8, or upload an image from your own photo library.

In our next edition: How to Customize the Windows 8 Lock Screen


Today's Topic: The Difference Between Save and Save As

When you create a brand new document and click on File on the menu and then Save, you will be presented with the "Save As" dialog box because Word wants to know two things, Where do you want to save it? And, What do you want to name it?

In a typical Save, you'll usually just answer the second question; that’s the file name. If you want to save the file to, say, an external drive, you’ll change the answer to the first question. Click the Save button and you’re done.

After you have saved your file once, clicking on that same series of commands no longer gives you these choices. Why? Because Windows assumes you do not want to change the choices you made. Windows assumes you simply want to update the original copy by overwriting it with this new version of the same file. If you click File, Save again, your program will not even show you the Save dialog box after the first save.

Here’s where Save As comes in. If, in fact, you DO want to either put a copy in a new location, or create a new copy with a new name, you must go to the File menu and choose Save As. That will then display the Save dialog box, which you need to change the file name or location information.

Windows will not allow you to have two files with the exact same name in the same folder, so when you save a file to a location where that file already exists, Windows will replace the existing file with your new one. So, if you do not want to overwrite the existing file, but instead want to create another copy with a different name or in a different location or as a different file type, you must go to the File menu and choose Save As.

When you choose File then Save As, you can use the dropdown box at the top of the Save As dialog box, which says Save In, to select the location where you want to put your new copy. You can also change the name of your new copy in the File name box and save it either in a new location or in the same location as the original (because this new copy now has a different name).


Special Feature: iPad Basics - Syncing with iCloud - Enabling Automatic Downloads

From gcflearnfree.org

To get the most out of iCloud, you'll probably want to enable automatic downloads on all of your devices. This will give you access to all of your purchased items (including music, apps, e-books, and more), no matter which device you're using.

For example, you could download an album on your iPad, then listen to the same album instantly on your iPhone or computer. The information will sync automatically, so there's no need to transfer files back and forth.

To Enable Automatic Downloads on an iPad:
Open Settings, then tap iTunes & App Stores in the left pane.
Tap the controls next to Music, Apps, and Books to turn automatic downloads ON.

Setting Up Your Other Devices

To use this feature, you'll need to enable automatic downloads on your other devices too (for example, iPhone, iPod Touch, Mac, or PC).


In our next edition:
Using iCloud


Websites of Interest:

History of Father's Day

Here is a website for fathers with a tremendous amount of resources that can make parenting easier.

Summer Solstice
June 21 is the first day of Summer. Read facts and information about the Summer Solstice at this site.

4th of July - Independence Day

Read the Declaration of Independence at this website:

Learn about history, customs, observances and much more.

July 4th articles, video, pictures and facts

Fourth of July Party Recipes