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, September 10, 2013

Edition #729

Today's Highlights:

Past issues of GCFlash:

September 3, 2013 Edition #728

August 27, 2013 Edition #727

August 20, 2013 Edition #726

August 13, 2013 Edition #725

Weekly Spotlight:

What's the difference between a traditional and Roth IRA? What are the qualifications of each? Our website has the answers.

Our Current Rates:

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

Today's National Market Rates
September 3, 2013 6 Mo Ago
1 Yr Ago
5 Yrs Ago
Dow Jones Industrial Average
(Up 1,803.70 or 13.47% since 12/31/12)
15,191.06 (+0.85%) 14,450.06 13,254.29 11,268.92
S&P 500
(Up 257.80 or 18.08% since 12/31/12)
1,683.99 (+0.73%) 1,552.48 1,429.08 1,232.04
(Up 709.55 or 23.50% since 12/31/12)
3,729.06 (+0.85%) 3,242.32 3,104.02 2,228.70
10 Year Treasury Bond Yield 2.96% 2.02% 1.68% 3.64%
British Sterling 1.5733 1.4912 1.6008 1.7598
Euro 1.3269 1.3006 1.2813 1.4132

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1st Flash

We Need You

As announced in April, GCF Bank is proceeding with its planned merger with Investors Bank. The process is complex, as you would imagine with anything that undergoes such intense regulatory scrutiny. Many factors must be addressed before something of this magnitude is complete.

As GCF is a mutual savings bank, part of that process requires formal approval from our members. A proxy statement outlining the transaction is being mailed this week soliciting your vote, provided you were a member on August 26, 2013. You may vote using the proxy card we are sending you by voting, signing and returning it to the address provided, or you may attend the special meeting of members being held and vote in person. The date, time and place of the special meeting are as follows:

DATE: Monday, September 30, 2013
TIME: 10:00 AM
WHERE: GCF Administration Building
381 Egg Harbor Road
Sewell, NJ 08080

The proxy statement includes a question and answer section which should address the majority of your questions, as well as other important information. Please call Bruce Haines, Interim President/CEO at (856) 589-6600 Ext. 329 with any further questions you may have.

On The World Wide Web

The 9/11 Memorial remembers and honors the thousands of innocent people murdered by the horrific terrorist attacks of February 26, 1993 and September 11, 2001. Learn about them here.

As a tribute to the 9/11 victims, survivors and first responders, September 11th has been declared a National Day of Service and Remembrance. Find opportunities to serve at this site.

Patriot Day 5K is a multi-city running event taking place in 12 cities across the U.S. to honor the victims of 9/11. Join the Philadelphia event.

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2nd Flash

Why I Hate Windows 8

It's been a full year now since Microsoft had a better idea. In their quest to regain market share lost to Apple, they introduced a new operating system that would provide the same user interface across all online communication channels. The user would see the same, familiar startup screen no matter if they were on their PC, tablet or smartphone.

With touch screens gaining popularity in the PC realm, it made the learning curve so much easier to offer the user the same experience they already used with their mobile device. At least, that was their thinking.

There are some very good aspects to this operating system (OS). It handles memory better than any previous offering. It makes for a more stable, robust, speedy platform.

The enhanced security features make it a viable rival to Chrome or Firefox.

The Start screen provides a central hub for news feeds, weather, music, social sites and games. Plenty of games. After all, that's what we really want from our PC, isn't it? Those who do use their PC primarily for entertainment will love Windows 8.

But chances are that your PC is used more for productivity. It's always been the best suited device for business purposes. A fact Microsoft may have missed in pushing out their latest OS.

They have a winner with the new Task Manager. As with past versions, it displays which programs are currently open and performance utilization metrics.

Now you simply need to click the More Details button to find enough info to fill a techie's dream bucket. Learn how much memory each app is using. See which files startup automatically and their impact on memory, disable those unnecessary with a single click. Find more performance readings than you could imagine even exist.

And that's about all the good things I could find to say about it.

I'm an old-timer, as regular readers know, first using a PC in the DOS era. I typically reject any new offering that requires more than typing a few keywords into a command prompt. Why hunt for something that you can ask for directly?

Yet after using something for a while, I get adjusted and begin to appreciate the complexity not previously available. But not this time. After a full year, I still get frustrated and declare I Hate Windows 8!

I'm not alone. This article was prompted by reader request. The OS is not friendly to those who don't spend their time playing games or streaming videos.

Here's how to get around some of the more annoying "features."

Yes, the security is unrivaled. But working from home, alone, I really don't want to enter my password every time I leave my desk for more than 10 minutes or reboot my system. You can disable this in your User Accounts.

Good luck finding the setting. In fact, you can personalize an awful lot in Windows 8 you may find aggravating. I'm just not certain why they buried the options so deep as to be nearly impossible to find.

My persistence is your good fortune. Let's start by disabling that password prompt.

From any screen, hold the windows key while tapping the letter R. In the run dialog box that will appear, type netplwiz. User Accounts Control Panel will appear in the results displayed in left pane. Click it. Select the account you want to log in automatically. Click off the check box requiring user name/password to use computer. It will ask for your password, and then a second time to confirm it. Restart Windows and go automatically to your Start screen. If need be, follow same procedure to restore the password requirement.

While I mentioned how well Windows 8 utilizes memory, the fact is that it absolutely must do so. Many of the functions you see are actually separate apps, which remain open in the background.

You may notice something missing. There's no longer a way to close them. The old standard Alt-F4 will work on some apps, but not all. Others you just have to live with remaining open.

The feature that probably annoys me the most is the edge swipe. By merely tapping a particular part of your touchpad, you're whisked away to somewhere you did not want to be and have to navigate back to your original workspace. In order to move your cursor or select an item, you first have to be consciously aware of where you tap.

Not quite a productivity enhancement. Your Windows key (Win) is more valuable now than ever.

You can turn off the swipe option. Type Win C to bring up the Charm bar. Cute name for something that is not in the least charming. But you can fix a lot from here. Choose Control Panel. Type "mouse" in the search box, then choose "Change mouse settings." Click the Device Settings tab, then choose the settings button displayed below the list of devices. Uncheck the box to enable edge swipes.

The Charm bar is also where you'll customize settings to give Windows 8 your personal touch. The PC settings button on the right gives you power over the environment.

Personalize your Start and lock screens. Customize your search preferences. Change your privacy settings. This is where they hid Control Panel where you can add a device or hardware, configure a network or change your desktop background and screen resolution.

Microsoft loves their new Start screen. Replacing the Start menu we were accustomed to in prior versions, you can access absolutely everything your PC contains from that one screen. Sort of.

Huge tiles displaying those entertainment apps hog the window your PC loads upon boot. Yes, Pat, you do have to know the temperature in Mumbai.

But it doesn't have to be front and center. You can make those tiles smaller, and enlarge the ones you really do want to see. You can drag them around so the apps you do use appear first.

It took me researching this article to realize icons for the software I use daily still appear. You just have to scroll all the way to the right to find them. And then drag their corner outward to make the tile large enough to see. Drag them to where they're most easily accessible to you.

This article merely scratches the surface of Windows 8. Once you get into the PC settings menu, you'll find a lot more you can change to make the OS more usable. As long as you have the time to hunt deep into options. They certainly haven't made it easy.

Each innovative operating system developed by Microsoft is quickly followed up by something that fails to perform. The good news is that their engineers are already working on the next generation. Technology never rests on their laurels, always looking forward to what comes next. We can only hope it hits the market quickly.

Tip of the Week

The mortgage module of our website will undergo system maintenance Thursday, September 12th between the hours of 3:00 AM and 5:00 AM EST. The mortgage application and rates pages will be unavailable during that time. This only affects the mortgage component. The remainder of our website will remain available to any of you night owls wishing to visit.

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"The most important trip you take in life is meeting people half way." - Henry Boyle

Today in History

1953 - Swanson sells its first "TV dinner."

Flash Fact

The original Swanson TV dinner sold for 98 cents and took 25 minutes to cook.

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


For a copy of our Privacy Policy, visit

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