Welcome to this week's edition of the Computer Kindergarten Newsletter.
Today is Sunday, February 1, 2009


In this Issue: 
Special Feature:  A Bad Economy is Good for Scammers: Phantom Mortgage Scams
Tips & Tricks:  Twenty Five Most Important Rules of Email Etiquette:   7. Send Plain Text Email, Not Fancy HTML
Featured Computer Term:  Browser
This Week's Topic:  Create and Save Your First Spreadsheet
Question:  The End Key
Websites of Interest:  Facebook; Groundhog Day; Black History Month


**************************************************************

Special Feature:   A Bad Economy is Good for Scammers: Phantom Mortgage Scams

 

 

The following is from http://www.bottomlinesecrets.com.  Reprinted with permission.

 

 

Rising unemployment rates, sky-high fuel prices, a plunging stock market and falling home values have landed many Americans in difficult financial straits. This makes people psychologically predisposed to jump at a potential solution -- without stopping to consider whether this solution is truly as appealing as it seems.

 

Here is a recently reported scam that is designed to take advantage of America's current economic problems...

 

 

 

A financial consultant offers to help you save your home from foreclosure by negotiating with your lender. All it will cost you is the consultant's fee, which could be hundreds or thousands of dollars.

 

The consultant pockets your fee, then sends you complicated looking paperwork and encouraging updates from time to time to make it appear that he is working on your behalf. He will not actually do anything to help you save your home.

 

Self-defense: Do not trust anyone who calls out of the blue to offer you help with a mortgage problem. It often is a scam.

 

 

This is the last article in our A Bad Economy is Good for Scammers series.  We hope you enjoyed it.  Please visit our Newsletter Archives for previous articles on A Bad Economy is Good for Scammers

 

Unpaid Fuel Bill

http://computerkindergarten.com/html/111608.html

 

Technicians at your Home Scam

http://computerkindergarten.com/html/120708.html

 

Work-at-Home Scam

http://computerkindergarten.com/html/121408.html

 

Gas Saver Scam

http://computerkindergarten.com/html/011109.html

 

Mortgage Scams

http://computerkindergarten.com/html/011809.html

 

Bait-and-Switch Scams

http://computerkindergarten.com/html/012509.html

**************************************************************

Tips & Tricks:  Twenty Five Most Important Rules of Email Etiquette:   7. Send Plain Text Email, Not Fancy HTML

 

 

This article is part of our ongoing series on Email Etiquette.  With the help of Heinz Tschabitscher from about.com, we are taking an in depth look at email etiquette.  To read previous editions of this series, please visit our newsletter archives:

 

http://computerkindergarten.com/html/etiquette.html

 

 

The rules of email etiquette are not rules as much as they are guidelines that help avoid mistakes (like offending someone when you don't mean to) and misunderstandings (like being offended when you're not meant to).

 

These core rules of email etiquette help us communicate better via email. 

 

 

Send Plain Text Email, Not Fancy HTML. Richly formatted messages are nice, but not for everybody. 

 

Sure, using fancy formatting in emails is nice, and all these stationery (for Outlook Express) and letter (for IncrediMail) creations are fascinating.  But not everybody can or wants to receive rich text messages.

 

Some email programs are not capable of rendering the HTML used for rich formatting in email messages. Others try, but fail miserably (or crash), rendering your message inaccessible to the recipient.

 

Other recipients have email clients that can properly render HTML messages, but despise rich formatting in email for various reasons (purity of the medium, bandwidth issues, security and privacy among others).

 

 

When in Doubt, Send Plain Text Email, Not Fancy HTML

 

So, whenever you are not sure a recipient appreciates email communication using rich and fancy HTML formatting,

 

    * send plain text emails by default, especially

    * if you have not previously talked to the recipient.

 

How to Send Emails in Plain Text

 

Here's how to send plain text only messages using various email programs:

 

Outlook Express

http://email.about.com/cs/oetipstricks/qt/et082301.htm

 

Hotmail

http://email.about.com/od/hotmailtips/qt/et_plain_text.htm

 

Yahoo! Mail

http://email.about.com/od/yahoomailtips/qt/et_plain_text.htm

 

 

Send HTML to Users of Web-Based Email Services?

 

It's usually safe to send HTML-formatted emails to users of web-based email services like Gmail, Hotmail or Yahoo! Mail.

 

 

 

To read previous editions of this series, please visit our newsletter archives:

http://computerkindergarten.com/html/etiquette.html

**************************************************************

Featured Computer Term:   Browser

 

Question:  What is a Browser?

 

 

Answer:

A Browser is the software that let's you move around the Internet. It's the program that allows you to bookmark your favorite resources, to download and view the text and graphics of a Web site, to browse around the Web.

 

If you're running Windows, a browser was included in that Windows package -- Microsoft's Internet Explorer (IE). Its the big, blue "e" icon on your desktop.

 

Because IE is usually included as part of the package of a new computer purchase, many people forget that browsers are actually software programs. But that's exactly what a browser is -- a software program designed to locate and display Web pages.

 

Browsers are designed to read Hyper Text Markup Language (HTML), which is the authoring language that is used to write Web pages. Have you ever wondered what that http:// at the beginning of Web site addresses stands for? It stands for Hyper Text Transfer Protocol, or in English, the standard for how messages are transmitted and formatted on the Web.

 

Is there a computer term or phrase that you'd like to see an explanation of?  Email it to info@computerkindergarten.com and we'll put the term and its definition in an upcoming newsletter.

**************************************************************

Today's Topic:   Create and Save Your First Spreadsheet

 

Question:  Can you tell me how to make a spreadsheet?

 

Answer:

You probably have a spreadsheet program on your computer.  While we'll be using Excel as an example, the following applies to other spreadsheet programs as well, including the spreadsheet module of Microsoft Works.

 

With Excel, creating simple workbooks to record and calculate data is a surprisingly intuitive process. Follow these steps to learn the basics of creating, saving, and printing a workbook.

 

Open Excel from the Start menu by selecting Programs/Microsoft Excel. When you load Excel, the program automatically opens a new workbook that contains a number of worksheets called Sheet1, Sheet2, Sheet3, and so on. You can browse these blank sheets by clicking the tabs at the bottom of the Excel window.

 

Sheet1 is the selected sheet. It's divided into alphabetical columns and numerical rows. The intersection of a column and a row is called a cell; each cell is referred to by its column letter and row number. So the top-left cell is A1, and the cell at the intersection of column H and row 8 is H8.

 

Click in cell H8, type your name, and press Enter. Then click in cell B3, type your name again, and press Enter. Click in cell B4, type the number 100, and press Enter. You now have something to save and print in the next steps.

 

In the next few steps you'll be using the New, Open, Save, and Print buttons on your Standard toolbar, so take a minute to locate them. If you hold your mouse over a button, a tool tip displaying its name will appear. Note: you can also find these commands in the File menu.

 

Save your file by clicking the Save button (or selecting File/Save). The Save As dialog box appears. The drop-down box labeled "Save in" shows the folder in which Excel is suggesting you save your file (usually the My Documents folder). The drop-down box labeled "File name" shows the name Excel is suggesting you use to call your file--generally something like Book1.xls. Change the filename to My first workbook and click Save.

 

To print your file, click the Print button (the icon on your toolbar that looks like a printer), or select File/Print from the menu.

 

To close your file, open the File menu and select Close. If you made changes to your file after you saved it, Excel asks if you want to save the changes you made to your workbook. To save your changes, click the Yes button; if you want to permanently discard the changes you made after you first saved, click the No button. You will be left with a clear screen.

 

To create another workbook, click the New button (or select File/New and click OK). When you save this new workbook, give it a different name from the previous workbook--for example, My second workbook. (If you give a file the same name as another file in the same folder, you'll overwrite the first one, so each workbook must have a unique name.)

 

You have now created, printed, saved, and closed a workbook. If you need to make further changes to your workbook or print it again, you'll need to open it. To do this, select the Open button, click the workbook's filename in the My Documents folder list, and select Open. You can now print the file or make changes to it.

 

Note: Whenever you make changes to a file, be sure to save them by clicking the Save button (you won't see the dialog asking you for a filename this time because your file already has a name).

**************************************************************

Question:   The End Key

 

What does the End key do?

 

 

Answer:

Then End key, usually located somewhere on the right side of the keyboard, does different things, depending on the program you're working in.  When you’re working online, press End and you will go to the end of the page (press Home to get back to the top). 

 

Looking at a list of your files in a folder, press the End key to get to the bottom of the list.

 

In some programs, like your word processor, press End to move the insertion point to the End of the line.  Hold down the Ctrl key and press and release end to get to the end of the document.

 

Give it a try.  Remember, the Home key will always bring you back to the beginning again. 

 

 

Note:  On some laptop computers, you may see End on a key in either blue or yellow.  If so, hold down the Fn key (look over to the left) and then press and release the End key.


**************************************************************

Websites of Interest: 

Facebook

 

Question:  My grandchildren want me to use Facebook.  Can you help me get started?

 

 

Answer:

Facebook is the new way to communicate and can be a lot of fun.  It is a social networking website where users create profiles that contain photos and lists of personal interests, exchange messages, and join groups of friends.

 

Look up relatives and send a friend request, or accept a friend request from someone you know, and those people get added to your friend list.  When they post anything on their profile, you will be able to see it, and they’ll be able to see whatever you post on your profile.  This is a great way to share news and photos with all of your friends at once.  If you have anything personal to say to just one person, that you don’t want all of your friends to see, then you can send a private message. 

 

Old friends can be found:  list the high school and college you went to, and you will see lists of people who you graduated with.  Send a friend request and before you know it, you’re catching up with friends from years ago.

 

Here are some informational websites that will help you get going with facebook:

 

The first thing you will need to do is set up a facebook account.  Visit this website for the steps:

http://www.ehow.com/how_2081063_set-up-facebook-account.html

 

Now that you have your account set up, learn how to create your profile:

http://www.ehow.com/how_4464690_set-up-facebook-profile.html

 

This website has lots of instructional videos that will help you maneuver around facebook.  Learn how to find and invite friends, add photos, join groups, use applications and much more.

http://www.expertvillage.com/video-series/1261_facebook-use.htm


Groundhog Day

Monday is Groundhog Day.  Will Punxsutawney Phil see his shadow?  We hope not!  Catch up with Phil at his official website:

http://www.groundhog.org

 

 

Black History Month

This website celebrates Black History Month with biographies, reference links, a civil rights timeline, and much more.

http://www.infoplease.com/spot/bhm1.html