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Volume 3 Number 02

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The Naked PC - http://www.TheNakedPC.com
What You Need to Know about All Things PC
Publisher:            Lee Hudspeth and T.J. Lee
Editor in Chief:      Dan Butler
Contributing Editor:  Al Gordon
This issue is for Thursday, January 20, 2000 - Vol. 3 No. 02
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Table of Contents

** 01. Letter from the Publisher
** 02. Credit Cards on the Net and You (by Dan Butler)
** 03. Beam Me the $10 Bucks, Scotty! (by Dan Butler)
** 04. Sound Advice (by Al Gordon)
** 05. Featured FAQ - Free Books on the Web
** 06. Featured Web Site - CyberAtlas
** 07. Featured Book - "Use Both Sides of Your Brain" by Tony
       Buzan
** 08. Featured Product - HelloDirect Ultralight EX Headset (by
       Lee Hudspeth)
** 09. Newsworthy - a potpourri of current events and
       interesting stuff
** 10. We Get Mail - Comments and Tips from TNPC Readers


** 01. Letter from the Publisher

Overall it seems that TNPCers came through the great Y2K rollover
in great shape. Thanks to the hundred or so of you who wrote to
Jim, telling him of your Y2K experiences. There were just too many
to reply to each of you individually but we appreciate hearing
from you!

Several of you experienced the not uncommon glitch wherein your
computer thought 01/2000 was actually 01/1980. A simple resetting
of the date usually fixed that one. Older software programs gave
some of you fits, and we heard some hysterically funny stories
about high-end Web sites that did not deal with 2000 gracefully
at all, and one where the Y2K compliance checking software blew
up on Y2K. A number of you had an Award BIOS roll over to 2096,
but most of you were able to get the patch from the Award site to
fix this one.

At least one major health care organization decided to deal with
what it called a "critical Y2K email Virus" period by putting a
hold on all emails received in the seven day period from December
17th, 1999 to January 7, 2000 in order to scan them for viruses.
No joke; sheesh, someone send them Rob Rosenberger's URL
(http://kumite.com/myths/) so they can get a clue.

Contributing Editor Al Gordon experienced one bit of Y2K oddness:
on the first cold reboot after the first of the year, all the
cookies on his system failed and he was unrecognized by numerous
Web sites. Curiously, after cleaning out the cookies subfolder
and then importing the very same cookies (which had previously
been exporting using Microsoft Internet Explorer 5's
import/export tool), all the cookies started working again. Go
figure.

Sometime back Jim gave a thumbs-up to AtGuard by WRQ, a top-
flight cookie manager and personal firewall for the Internet
surfer (see TNPC #2.15). Unfortunately, as fate would have it,
WRQ sold the utility to Symantec which has just released it as
part of the Norton Internet Security 2000 suite. NIS2K monitors
your system against security intrusions (vital with always-on
cable modem or DSL connections) more unobtrusively than most
Norton products. But unlike AtGuard, NIS2K supports Windows 95-98
only; no NT or Windows 2000. And instead of the $29.95 WRQ price,
Symantec is charging $59.95. Norton Anti-Virus is in the package
and if you already own it or Norton Utilities, there is a $20
rebate. Nevertheless, it is not quite the bargain it was in its
prior incarnation. Sigh.

In this issue we talk more about credit cards on the Web, Al
offers some very sound advice, and Lee takes the high tech road to
headset nirvana. For those of you who want to make a quick $10
(no, really) Dan details a most interesting new Web service that
will give you $10 just to sign up.

As always, reader support is what keeps TNPC free, so please pass
a copy of TNPC on to co-workers and friends (no spam please!) and
always say "I saw it in TNPC!"


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** 02. Credit Cards on the Net and You (by Dan
       Butler)

A recent big news story concerned a hacker who supposedly stole
300,000 credit card numbers on the Web and was holding them
ransom. The story interested me for two reasons. First, as a
merchant I do business over the Internet and take credit cards. I
also provide order-taking solutions involving credit cards over
the Internet for other people to do the same. Second, as a
consumer I purchase items over the net with my own credit card.
Do I worry about my card information being stolen? No, and I'll
tell you why.

To start, let's talk about the security of your card on the net.
Many people I know would not consider sending their credit card
unencrypted through email for fear of it being stolen. Yet I've
never encountered one case of an email being intercepted and the
credit card number stolen.

Sure there have been anecdotal stories... "My brother knows
someone whose sister's friend's brother had his credit card
number stolen. " That sort of thing. But I don't know of one
*verifiable* instance of it happening. To be safe you should only
shop on secure sites (those display the little lock on the status
bar of your browser). Actually, I should say "safer" because
being on a secure site does not guarantee that your data is safe.
Many secure sites take your credit card information in encrypted
format then turn right around and resend that same information to
the store via plain, unencrypted email. It's true. So should you
stop shopping on the Web?

Not at all. The hacker who claims to have grabbed all the credit
card numbers managed to find a poorly designed site that actually
stored all order information on the Web server. Had the orders
been transmitted to the merchant encrypted or not they wouldn't
have been there for someone to take in the first place. Does this
mean I advocate sending all orders through email? God forbid!
Rather I'm trying to get you to measure the real risks involved
in shopping with a credit card on the Internet.

The reality is that a credit card offers you a great deal of
protection and is your best bet for online purchases. First, in
the USA you're covered under the Fair Credit Billing Act when you
use a credit card. If the merchant does not perform you can
dispute the charge with your credit card company. Second, if your
credit card information is "stolen" you have a maximum liability
of $50 and seldom does a bank even pursue that if you report any
irregular charges on your account timely.

Using a credit card on the Web for ecommerce is no riskier than
using it in everyday commerce at brick and mortar establishments.
Always check your statement each month with care and challenge
charges that you do not remember making.

You can reach Dan Butler at:
mailto:danbutler@TheNakedPC.com


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** 03. Beam Me the $10 Bucks, Scotty! (by Dan Butler)

Speaking of credit cards... I came across a new service on the
Internet recently that I think could become a real must-have.
It's called PayPal.

The Internet lets us instantly send messages to each other, we
can send sound clips back and forth, pictures, movies, about the
only think that can't be transmitted with ease is money. I live
in Texas and Al Gordon is on the East Coast. If I owed him $6.83
I'd have to mail him a check or stuff some cash in an envelope to
pay up. The PayPal folks think it would be nifty if I could just
zap the money directly from my computer to Al's and that's just
the type of service they've set up.

With PayPal you are able to "beam" money from one person to
another using only email or a hand-held device like a Palm Pilot.
Keep in mind that others have tried various online-payment
systems that didn't appeal to consumers and fell by the way side,
but we think PayPal is on the right track. Here's how it works.

You send money by charging your credit card, I send Al that $6.83
and PayPal charges my credit card for that amount just as if I
were purchasing something from a merchant (the minimum credit
card charge is $5 but the minimum I can beam someone is $0.01,
that is, one cent). The money is held by PayPal (more on this in
a moment) and Al is notified via email that he's $6.83 richer. He
can then have PayPal send him a check, or do a direct deposit to
his bank account.

No fees, no charges, Al never sees my credit card information.
(Note: while PayPal may not charge for direct bank deposits your
bank might charge you to receive one, so check with your bank
first. -- Ed.) When you "beam" the money no credit card
information is sent to the beam-ee, they just get a message that
some money was "beamed" to them and that they should collect it.

PayPal simply charges the beamer's account (your credit card
actually, unless you have a positive balance in your PayPal
account) and deposits/holds it in the other person's PayPal
account.

This "holding" of the funds is how PayPal makes their money.
PayPal collects the interest earned on the money between the time
they charge your credit card until the recipient collects their
money. This is called the "float." Take that $6.83 I beamed to
Al. PayPal gets the money from my credit card that day. Al is
notified and let's say he requests a check right away. The money
sits collecting interest for several days while the check is cut
and winds its way to Al via U.S. postal mail. Or say Al just
decides to leave the money in his PayPal account in case he needs
to beam a few bucks to someone. Multiply the float by thousands
or tens of thousands of users and you're talking about some
serious bucks. The $5.00 minimum credit charge figures into this
as well. Say your PayPal balance is zero and you want to beam
$0.98 cents to someone. Your card is charged the minimum $5.00,
$0.98 is beamed, and your PayPal account balance is $4.02.

As you can see it's really in PayPal's interest (sorry for the
pun) to get as many people using their service as quickly as
possible. They want people signed up yesterday and they're
willing to pay you to do just that. When you sign up as a new
customer PayPal credits your account with $10. You can request a
check right then or you can play around with the free money by
beaming it. We'll admit, we've not requested checks, but we have
been beaming loose change back and forth like crazy. Here in the
TNPC Underground Labs the phrase "bet you a nickel" has taken on
a whole new meaning.

The PayPal service is run by the Nokia-funded Silicon Valley
startup Confinity Inc., and is partnered with Deutsche Bank,
giving them some credibility and they have a no-nonsense security
and privacy statement posted on their Web site.

In addition to the $10 that PayPal is giving each new user who
signs up, they offer $10 to the PayPal subscriber who referred
them (limited to 100 referrals). Meaning if you refer 100 of your
closest friends you could pocket a cool $1,000. After you
register with them they will give you a special address to send
to your friends offering them the same deal we've described here.

Keep in mind that like all Internet ventures you should exercise
caution and always read the fine print, but we've been playing
with PayPal for a couple of weeks now and are still enthused with
it. If you're over 18, a U.S. resident, and have a valid credit
card you can get your $10 dollars when you sign up for PayPal via
the TNPC link provided below (and yes, we'll get $10 for
referring you. KA-CHING!)
http://www.TheNakedPC.com/paypal.html

You can reach Dan Butler at:
mailto:danbutler@TheNakedPC.com


** 04. Sound Advice (by Al Gordon)

I got an unexpected present before Christmas: Syntrillium
Software released a long-overdue new version of Cool Edit, my
favorite shareware audio editing software.

When I first started using the original version back in the early
'90s, Cool Edit was mainly a play toy. Not the software itself;
it had a wide range of useful features. But at the time
multimedia was a somewhat iffy proposition on Windows PCs. I used
Cool Edit mainly to fool around with sound effects that had been
posted on places such as CompuServe.

This changed dramatically with the introduction of Windows 95,
which greatly improved the performance of Windows multimedia.
Syntrillium upgraded Cool Edit to Cool Edit 96, and it became a
valuable tool for working with sound clips. Whether just for fun
-- such as changing the event sounds in Windows -- or for
business -- such as adding sound to presentations -- Cool Edit 96
had tools I used frequently.

It could change stereo recordings to mono or vice versa; adjust
sampling rates; add echoes, reverb, fades, and other effects;
reduce noise, and speedup or slow down selections. It enabled a
typical computer user to perform audio manipulations that
previously were limited to professional studios.

Useful as it was, however, Cool Edit 96 was beginning to show
signs of age in recent years, as its support for NT 3 and other
advances in audio technology were limited-to-nonexistent.
Syntrillium had unveiled a $400 professional sound editor, Cool
Edit Pro, and appeared to be turning its attention to that. Ask
their tech support a question about "how can I do thus and so
with Cool Edit 96?" -- and the answer usually was "you can't; but
you can with Cool Edit Pro."

Fortunately that changed at the end of last year as Syntrillium
unveiled Cool Edit 2000. It's available for $30 as an upgrade
from Cool Edit 96 or $70 as a new purchase, and it is well worth
the money. Key among the advances is that Syntrillium has
licensed Fraunhofer's MPEG layer 3 converters, the industry
standard. Cool Edit 2000 can now save files, or edit files, with
almost any conceivable level of MP3 compression.

Another, ahem, cool addition is a provision for plug-ins. One
allows for multi-track recording for those of you planning a
career as a rock magnate. A potentially more valuable plug-in is
the "audio cleanup" module, which is tailored to removing tape
hiss and LP -- you do remember LPs, don't you? -- scratches and
pops. In other words, it's a tool for cleaning up the sound of
old tapes and records prior to transferring them to CD or MP3.
(Which, of course, is why I am irked at Syntrillium for taking so
long to produce this upgrade, as my LP and tape collection long
ago was exiled to the attic.) But those of you who have hung on
to your old media, now can turn them into jazzy new media. And
you can clean up those less-than-optimum clips downloaded from
the Net.

The universe of uses for audio editors has expanded greatly these
days. Cool Edit 2000 has become an essential tool for anyone
working with Web pages, "burning" audio CDs, using MP3 players,
or looking to enhance sound or music clips downloaded from the
Internet.

Better late than never.
http://www.TheNakedPC.com/t/302/tr.cgi?cooledit

You can reach Al Gordon at:
mailto:algordon@TheNakedPC.com


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** 05. Featured FAQ - Free Books on the Web

This nifty FAQ page has pointers to computer books that are
posted on the Web. No, we don't mean just links to where you can
buy a book but links to where companies such as O'Reilly post the
entire text of books (or portions thereof) on the Web. Several
publishers do this prior to publishing a new book in order to get
feedback and drum up support for the title.

As we write this there are links to books on SAMBA, Java, Linux,
Python, SQL, Fortran, Windows NT, and on and on. While we realize
it isn't pleasant reading an entire book over the Web it can help
you get up to speed on a topic in a hurry or help you choose the
right title before you buy. If you like the material be sure to
support the author and publishers by buying a retail copy of the
book when it becomes available.
http://www.TheNakedPC.com/t/302/tr.cgi?webbooks

For more pointers to free books on the Web be sure to read
Chapter 15 of "The Unofficial Guide to PCs" in which we show you
where to find several thousand free books on both computer and
non-computer topics.


** 06. Featured Web Site - CyberAtlas

Ever wondered if the statistics you were being quoted about such-
and-such on the Web was the straight skinny or just marketing
hype? Find out on CyberAtlas, the one-stop spot to get tons of
useful statistics and Web marketing information. Just how much
was spent online over the recent Holiday season? What's the
latest on Euro-ecommerce? CyberAtlas lets you keep your finger on
the pulse of what's happening in the online marketing world.
http://www.TheNakedPC.com/t/302/tr.cgi?cyberatlas


** 07. Featured Book - "Use Both Sides of Your Brain" by Tony
       Buzan

This is the third book in the "Information Processing" trilogy
recommended by Dan to anyone wanting to have more control over
the information flowing into his or her life. The first book we
recommended, "How To Read A Book" by Mortimer Adler (TNPC #2.25),
details the different types of information you will encounter and
how best to extract it from the written page. Next was "Language
in Thought and Action" by S.I. Hiyakawa (TNPC #3.01), which gives
you practical insights into decoding information and getting at
the truth in what you read. Now we come to Tony Buzan who gives
you tools to integrate the approaches of the previous two books
and brings you up to speed on optimal methods of note taking,
studying, reading, and memory. Of particular interest in this
volume is the "Organic Study Method" that shows you how to
implement the optimum amount of study for maximum retention of
your material.

It's surprisingly easy and takes much less time than you would
imagine. Most reviewers focus on the Mind Map technique and miss
more of the useful information in the book. If you are a student
or your career involves rapidly changing information (technology,
computers, the Internet), or you just like to surf the Web for
information, these books will give you an edge and help you make
the most of your time and your information. I've used them for 15
years and wish I'd found the 10 years earlier than that.

http://www.TheNakedPC.com/t/302/tr.cgi?amazon3-us
http://www.TheNakedPC.com/t/302/tr.cgi?amazon3-uk

For prior book recommendations check out the TNPC Library page:
http://www.TheNakedPC.com/t/302/tr.cgi?library


** 08. Featured Product - HelloDirect Ultralight EX Headset (by
       Lee Hudspeth)

In April 1999 I *had* to get a telephone headset for my business
phone. Our firm PRIME Consulting Group, Inc. was involved in a
large-scale software development project, and the project's team
members were located all over the domestic U.S. Bi-weekly team
phone conferences were conducted efficiently, but due to the
complexity of the project, often lasted up to two hours. It
didn't take too many episodes of cauliflower ear to convince me.
Renowned consultant Will Tompkins recommended that I take a look
at HelloDirect's product line. He had been using them for years,
and could vouch for them. Well, if it was recommended by Will
that was all I needed.

You'll remember that back in TNPC #2.23 Jim described his low-
tech, inexpensive solution to his cordless headset dilemma. His
solution was not for me first because I did not need to be
wireless, and second, I once tried a cheapie headset (I don't
recall the manufacturer or model) and shelved it because it kept
picking up radio broadcasts from a local station (honest!). So I
opted for a high-end model this time around. I wanted a very
light one-ear headset and a feature-rich amplifier (hoping thus
to avoid more interference). I chose the Ultralight EX headset
and the SuperPro amplifier. The headset/amp combo comes with a
30-day money-back guarantee, so I figured why not try it?

I fell in love within minutes. The headset has all the
adjustments you could want, is light as a feather (1.75 ounces!),
and has a nice pivoting speaker you can swivel until it's just
right for the shape your ear. As for the amp, the SuperPro is
plug-and-play. (The less expensive Pro model requires a few
minutes to set up.) If you want or need to, you can easily
program it to match up with your phone. Other features: AC
adapter or uses batteries, separate listening and speaking volume
controls, headset-handset switch, a quick-disconnect cord, a
flashing mute bar (I use it all the time), an in-use light, and a
nifty headset hanger (I use that too). The amp has a limited
lifetime warranty from HelloDirect. I wish I had bought this
headset/amp combo YEARS AGO.

Product information and ordering (item # 1801, $199.99):
http://www.TheNakedPC.com/t/302/tr.cgi?hdirect

Got any good headset stories? I'm all ears.

You can reach Lee Hudspeth at:
mailto:leehudspeth@TheNakedPC.com


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** 09. Newsworthy - a potpourri of current events and
       interesting stuff

*-* Intuit, the makers of Quicken Tax software, is offering to
allow all U.S. taxpayers filing the 1040EZ tax form to file for
free online.
http://www.TheNakedPC.com/t/302/tr.cgi?news1

*-* BugNet has reported a security hole that plagues Norton
AntiVirus 2000.
http://www.TheNakedPC.com/t/302/tr.cgi?news2

*-* If you think people talking on cell phones in their cars is
making traffic more dangerous have we got news for you. The big
automakers can't wait to wire your car into the Internet!
http://www.TheNakedPC.com/t/302/tr.cgi?news3

*-* Planning on upgrading to Win2000 the moment it's available?
To quote Jesse Berst, "Well it's too frigging expensive, for one
thing. $319 is ridiculous!" Unless you're a laptop user you might
want to put off Win2000 according to Jesse.
http://www.TheNakedPC.com/t/302/tr.cgi?news4

*-* If you do think Win2000 is the way to go, better trot over to
Microsoft's Upgrading to Windows 2000 page and check the hardware
requirements and upgrade issues you'll want to consider.
http://www.TheNakedPC.com/t/302/tr.cgi?news5

*-* Getting technical support online from Microsoft has a new
wrinkle named Maxwell. It's a search engine based on the popular
Ask Jeeves software that lets you type in a question in plain
English, which it matches against the support database.
http://www.TheNakedPC.com/t/302/tr.cgi?news6

*-* And be sure to check the PRIME Update page regularly (Oh, for
those of you who HATED the new format... we went back to the old
format because we listen to our readers! Especially when they are
absolutely correct):
http://www.PRIMEConsulting.com/update/


** 10. We Get Mail - Comments and Tips from TNPC Readers

Last issue we mentioned in the Newsworthy section about the free
DSL offer from the Broadband Digital Group. A number of sharp-
eyed TNPCers did some digging on this offer and told us that in
the TERMS OF SERVICE AGREEMENT Broadband can take the rather
substantial amount of personal information they require you to
give them to get the free DSL and pass it around to whomever they
like, i.e., all their advertisers. No such thing as a free lunch,
is there?

TNPCer Esa L. wanted to point out to her fellow overseas readers
that they need to compare ALL the costs involved with different
on-line merchants from different countries. She notes that Amazon
UK adds the VAT of the buyers' country (European equivalent of
sales tax) and for Finns this adds 22% to the price, so it might
actually be cheaper to buy the book from the States even with
shipping costs.

Be sure to stop by the Letters to the Editor page as well:
http://www.TheNakedPC.com/letters/index.html


       **PLEASE SUPPORT TNPC BY VISITING OUR ADVERTISERS**
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PRIME Consulting Group (the firm run by Lee Hudspeth and T.J.
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VB and VBA development services. From utilities to complete
application development, we CAN solve your problem. Drop us a
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DISCLAIMER
Personal computers are individual machines with performance that
can vary with components, software, and operator ability. The
Naked PC is not responsible for the manner in which the
information presented is used or interpreted. Also, although we
work hard to provide you with accurate Internet links in The
Naked PC, we are not responsible for Internet links herein that
represent sites owned and operated by third parties. We are not
responsible for the content, accuracy, performance, or
availability of any such third-party sites. Grass stains may not
wash out. Do not fold, spindle, or mutilate because it sounds like
that would really hurt and we're not sure what spindle means
anyways.


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Copyright (c) 2000, PRIME Consulting Group, Inc. and Dan Butler.
All Rights Reserved. The Naked PC is a trademark of PRIME
Consulting Group, Inc.
ISSN: 1522-4422
RMH: 662



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