We are keeping a close eye on the "Heartbleed" bug you may have heard about. The vendor we use for Online Banking has completed a preliminary assessment and has not discovered any vulnerability. We will be sure to keep you updated should anything to the contrary be discovered. Rest assured that we are doing everything we can to help ensure that your information is safe.

It is always a good practice to use unique passwords for all of the online services you access. If your GCF Online Banking password has also been used with a different service, we do recommend that you change your Online Banking password at this time.

If you currently utilize GCF’s online banking EXPRESS TRANSFER function to make your loan payments, this service will be temporarily unavailable from April 25, 2014 through June 9, 2014. As an alternative to this temporary inconvenience, you can do one of the following:

  • Contact 1-877-589-6600 ext. 320 or 368 between the hours of 9:00 a.m. and 5:00 p.m., Monday through Friday, to manually complete the transaction.
  • Mail a check to Investors Bank, 101 Wood Avenue South, Iselin, NJ 08830.
  • Sign up for GCF’s online bill payment system and set up a monthly payment to be sent to Investors Bank.

Fast Access

GCF Bank is now part of the Investors Bank family!

Tuesday, August 6, 2013

Edition #724

Today's Highlights:

Past issues of GCFlash:

July 30, 2013 Edition #723

July 23, 2013 Edition #722

July 16, 2013 Edition #721

July 9, 2013 Edition #720

Weekly Spotlight:

Looking for information we printed in a previous issue of GCFlash? Use the Search box in the upper right of every page on our website. Enter the keywords to find your article of interest.

Our Current Rates:

For a listing of our current deposit and loan rates, click here.

Today's National Market Rates
August 6, 2013 6 Mo Ago
1 Yr Ago
5 Yrs Ago
Dow Jones Industrial Average
(Up 2,131.38 or 15.92% since 12/31/12)
15,518.74 (-0.60%) 13,979.30 13,117.51 11,656.07
S&P 500
(Up 271.18 or 19.01% since 12/31/12)
1,697.37 (-0.57%) 1,511.29 1,394.23 1,289.19
(Up 646.26 or 21.40% since 12/31/12)
3,665.77 (-0.74%) 3,171.58 2,989.91 2,378.37
10 Year Treasury Bond Yield 2.64% 2.02% 1.56% 4.05%
British Sterling 1.5347 1.5719 1.5638 1.9574
Euro 1.3306 1.3592 1.2384 1.5514

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1st Flash

Keep It Clean

I consider the DVR one of this generation's greatest inventions. We're no longer hostage to a TV schedule. The events and shows we watch regularly are scheduled to record automatically, allowing us to watch them at our convenience.

There's no need to be sitting in front of a box by kickoff, afraid we'll miss our team return the opening kick for a touchdown. We can watch the green flag drop when we're ready, in case the driver we want most to see lose blows a tire and careens into the wall early in the race.

And we can fast forward through the commercials. Especially those that prey on ignorance.

Understand I'm not calling people stupid. What I'm saying is that we all have our unique skills, talents and knowledge. And we count on others to fill in the gaps for those areas where we have no experience.

A heart surgeon is an extremely intelligent individual, yet they may likely need a technician to repair their car. They're ignorant on the mechanics of an internal combustion engine.

So when I see these commercials for products that "clean your PC and make it run like new," I have to wonder. They go on to explain that they work by closing holes in unpatched software.

I know that none of you readers have actually spent money on these products. You already know how simple this is to do yourselves by reading articles in GCFlash, like the one here.

Newer versions of software and operating systems have changed the locations for some of the functions explained in this article, but the advice remains the same. The article provides an outline you can still follow.

Disk defragmenter runs automatically in Windows 7, as does registry cleaner. But you can change the frequency or when the process occurs.

If you're running Windows 8, you have more problems than keeping your disk clean. You probably haven't had time to clutter your hard drive yet. You're still trying to find how to launch traditional office software with its reconfigured Start button. And not return to the Start screen every time you touch your mouse pad.

Keeping your software updated is another matter. Windows will automatically update, but unless you're using newer cloud-based versions, the rest is up to you.

Hackers attack the most popular software often. There isn't as much to gain by tinkering with lesser-known products so they focus where the prize is biggest.

The popularity of .pdf files makes Adobe products a prime target. Knowing this, they make updating easy by including a Check for Updates item on their Help menu. Regular users should check once a month. Those who use it less frequently might want to make a habit of clicking that link every time they open the software.

A good deal of web content relies on Java. Its uses and update instructions are covered here.

There are several free products that work reasonably well for those of you who prefer not to perform your own maintenance. Do a quick web search before you choose a product to assure you're only downloading a safe utility and not a malicious payload along with it.

For all the convenience of technology, it brings frustration and anxiety as well. A little preventative maintenance can eliminate a lot of the performance issues that make life more stressful.

On The World Wide Web

Apple offers savings for back-to-school Mac, iPad or iPhone purchases. Learn more.

Do you want more tips on cleaning your PC? Find some great ones at this site.

The first web page offered nothing more than a briefer on how the Web would work. And it's still online here.

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2nd Flash

Laptops 2013

For many people, back-to-school shopping includes the electronics department. This is especially true if you have a student entering college this fall.

The computer you choose is probably the most important purchase you'll make. Forget everything you learned last year. Technology changes so quickly that you need a refresher course.

You'll want something portable, so we'll focus on laptops and tablets here. Size and weight will be your deciding factors. A screen size of 13"-15" should work for most purposes. A unit that weighs five pounds or less will be easier to tote around.

Next option comes platforms. This is a matter of preference.

Many students flock to Windows machines because of the cost. You can typically find them priced well below their Apple Mac counterparts.

Yet everything is not always as equal as it appears on the surface. Macs often come with a lot of the programs you'll need already installed. Windows allows you to choose which programs you want separately. And charges you accordingly.

Examine the list of programs pre-installed on the Mac. Will you really use all of them? Check out pricing on those you will need and add it to the base price of the Windows machine to calculate which is the better price option.

Schools are usually equipped to give students access to either platform. This shouldn't be an area for concern in making your decision. But the school may have specific requirements you'll need to know before buying.

In the early days of hacking, more viruses were distributed through Windows than Mac systems because of their volume in the marketplace. Macs were rare outside of specific industries like publishing or graphics shops.

Mobile devices have changed all that. The popularity of iDevices has made them an equal target today. It's no longer the safer choice. They all carry equal risk now, and require equal diligence in protection.

Compare specifications. How much hard drive space will you need? If you're merely writing papers, you can get by with something smaller. Text and image files are relatively small so a 200 GB-250 GB hard drive will fit your need. But if you're a musician or theater student, you'll need a larger drive to store files the size of music or videos. Go for the gusto with something 500 GB or larger.

Processor speed is important. The more sophisticated your usage, the higher speed you'll need. If you watch movies or run CAD programs, you'll need at least a 2.5 GHz system. Low end users can get by with less. An Intel Core i3 or i5 should work quite well, no matter your requirements. Off brand processors can be a bit quirky.

RAM (random access memory) is where calculations take place. How many programs can the computer run at once? Gamers or hardcore techies will need at least 4 mb of RAM to process their data without bogging down. If all you're doing is sitting behind a keyboard writing, you don't need quite so much. You can get by with 2 GB of memory.

Look for features that are important for your student. Will they need a built-in webcam to stay in touch via Skype? Do they need a high-definition screen, fingerprint reader or Bluetooth? How long does the battery last?

The best gift you can give your child is a subscription to a cloud-based backup service, and configure it yourself to backup nightly to assure they don't lose valuable data when they leave their laptop behind on a bus. They may be off on their own, but as you well know, they are still a child.

Tip of the Week

Are you a longtime Excel user, struggling to find features that were obvious in pre-2007 versions? Click on the office button, select Excel Options and Customize and Select. From there, click on Commands Not In the Ribbon to choose options you want returned to your fingertips.

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"You affect the world by what you browse." - Tim Berners-Lee

Today in History

1991 - Tim Berners-Lee publishes the first website and web page, providing information about the new World Wide Web project.

Flash Fact

The first eMail ever sent was by Ray Tomilinson in 1971, who invented the eMail system. The "@" symbol was used to signify that the message was sent to a person instead of a machine.

Have a comment about something you read in GCFlash? Suggestions for future articles? Drop us an email!

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GCFlash is a weekly e-mail sent only to its listed customers and associates free of charge. GCFlash informs customers of special product offerings which may be of interest, current interest rates on both deposit and loan products, selected financial news and other financial tidbits. GCFlash is intended to supplement the more comprehensive information listed on the GCF Web site at


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GCF maintains your e-mail address in a confidential and secure database along with much of your other account information, such as mailing address and telephone number, etc. Before aggregating our e-mailing list each week, we filter out any duplicates. In most cases, this inhibits the unintended e-mailing of multiple copies of GCFlash to a single e-mail address. However, because these account records are kept by both individual and account, there is a chance members of the same household could each receive a copy of GCFlash or any other transmission at the same e- mail address - resulting in multiple copies. For example, a husband and wife that both have accounts with GCF may both receive a copy because the names are different but listed at the same e-mail address. This is similar to the manner in which each individual may share a common telephone number. To handle this situation, GCF recommends you simply delete any extra copies of GCFlash as this will ensure that ALL individuals receive any future promotional mailings, which might only be targeted or offered to specific accountholders meeting certain criteria. GCF has the capability to suppress customer e-mail addresses so they are omitted from our transmission list. If you would rather have a specific household member's e-mail address suppressed in our electronic database, simply send us a reply, as stated below, and indicate the accountholder for which you would like to have e-mail suppressed. Please keep in mind that this suppression will mean that NO future e-mails are sent, including special promotional offers. If you have any questions about this process or need additional information, please contact us at

If you would like to be removed from this electronic mailing list, click this link to send us an email to unsubscribe. Please note, removing your name from our electronic mailing list means GCF will send NO FUTURE NEWS or SPECIAL OFFERS.

GCF Bank
381 Egg Harbor Road
Sewell, NJ 08080
(856) 589-6600