So here two solutions if you want to convert tha .docx file to .doc

• If You have Mircrosoft Office older version installed , intall the office compatibility pack, which can open/edit/save .docx to office 2000/2003. The download size of the packahe is only 27.5 MB

• If you dont have Microsoft Office installed you can view the file using Microsoft Word Viewer or you can use various online converter availble to convert docx file to doc. Some are

  http://docx-converter.com/widget/

  http://www.zamzar.com/

You log on to the web site of the bank, key in your user ID and password and enter the ‘secured’ domain of online banking.

Now, do what you want. View the balance in your account, past statements, transfer funds, stop payment on a cheque you issued, pay bills, request for a cheque book or demand draft. Whatever.

All you need is an Internet connection (and, of course, please don’t forget your user ID and password).

Which brings us to the next question: is it safe?

Convenience comes at a risk.

Fraudsters can make your life unsafe and miserable. You could be the victim of a cyber crime in several ways.

Some may steal your user ID and password by an intelligent guess or trying their luck over several attempts.

Others could send cleverly conceived e-mails to deceive you into disclosing your credit card number, bank account details, password and other sensitive details.

More sophisticated attacks involve installing ‘spyware’ and ‘Trojans’ (software that spy on what is going on in your PC), through web links and e-mail attachments to collect information from your PC.

Of course, you would not suspect anything wrong.

A hacker could also get to your user ID and password through unauthorised access. To prevent such frauds, most banks that offer online banking facility have adopted 128 bit Secure Socket Layer encryption technology.

This ensures the information exchanged between your computer and the bank’s web site is completely protected.

SSL is the universally accepted standard for authenticated and encrypted communication between customers’ computers and servers. They also have a firewall, a virtual electronic wall to prevent unauthorised access to the bank’s servers, to prevent hackers from hijacking information.

Keep fraudsters away!

Here are a few tips you can follow:

1. Fraudsters can lure you to enter your user ID and password at a fake web site that resembles your bank.

Always check the URL of your bank’s web site. If you see anything other than the bank’s genuine URL, you know it isfake.

Never enter your user ID or password or such sensitive information without ascertaining that you are on the right web site.

2. Check your bank’s Internet policy.

Some banks have enhanced security features in Internet banking. For example, if the money that you want transferred to another account exceeds a particular sum, you will need to enter a specific password for high value deals to validate the transaction.

3. Keep changing your password at least once a month. And remember it!

4. Avoid easy-to-guess passwords, like first names, birthdays and telephone numbers. Try to have an alphanumeric password that combines alphabets and numbers.

5. Keep your operating system and browser up-to-date with the latest security patches. Install these only from a trusted web site.

6. Always log out when you exit the online banking portal. Close the browser to ensure that your secure session is terminated.

Never exit simply by closing the browser.

7. Install a personal firewall to help prevent hackers from gaining unauthorised access to your home computer, especially if you connect to the Internet through a cable or a DSL modem.

Of course, your anti-virus software should be updated every day.

8. Many banks have a ‘last logged in’ panel on their web sites.

If your bank has it, check the panel whenever you log in. If you notice irregularities (like you are logging in after two days, but the panel says you logged in that morning!), report the matter at once to the bank and change your password immediately.

9. Don’t use the embedded links in any e-mail to get to any web page. Type the link address (URL) in your web browser.

10. Don’t open, run, install or use programmes or files obtained from a person or organisation you do not know or from someone who is not a reputed vendor.

11. Don’t leave the PC unattended after keying in information while transacting on the web site.

12. Don’t fill out forms in e-mail messages that ask for personal financial information, like account or credit card numbers.

13. Don’t, in response to any e-mail, provide your online banking user ID, passwords, credit and debit card numbers.

No bank’s representative will ever ask for your user ID/ credit or debit card number/ password in any form. If they do, change the bank!

14. Don’t select the option on browser that stores or retains user name and password (ie Auto Complete).

15. If you have several bank accounts, avoid using the same online banking password for all.

16. Avoid accessing the Internet banking channel at cyber cafes, which are prone to attacks by hackers. Also avoid locations that offer online connections through wireless networks (Wi-Fi), where privacy and security are minimal.

Remember, your bank expects you to take the minimal precautions while banking online.

If you incur a loss because of negligence, you may not be able to claim any damages from the bank, howsoever faulty the bank’s online portal is.

It is easy to slip up on precautions in the glamorous online environment. Take care!

Here are few tips on how you can enjoy a safe and happy internet experience.

• Password Management
• Typical Dos and Don’ts
• Secure your Wi-Fi Router

Password management:

~ Password protect all your computers from which you access the internet.

~ Do not share your login details and password for internet access with anybody not even with personnel from our company.

~ Change your password regularly, preferably every fortnight.

~ Use strong passphrases that are at least eight characters in length. Combine letters, special characters and numbers to create a distinct password which cannot be easily hacked.

Typical Dos and Don’ts

~ Install anti-virus software and keep it updated

~ Also install personal firewall software.

~ Disable file sharing (peer-to-peer) as some applications may open file sharing without your consent and/or knowledge.

If you use a wireless router at your home or office:

If you use a wireless router to access internet at your home or office, the wireless signals of the router work till 60-70 feet without walls or restriction and any person within this range can connect to the wireless router and use your internet connection.

In view of this, take the following security measures to secure your wireless router.

To view or change router settings, you will need to enter the IP address of the router gateway on your browser. To know the IP address, enter the command “ipconfig” on your command prompt and press Enter. In order to access the command prompt, users on Windows operating system can open the Run function and enter the word “cmd”.

1) Change the default password:

Wireless products such as access points have a default password set by the factory. You can refer to the user manual of your router for the default password. For example, the default password for Linksys Routeris admin. Hackers may know these defaults and may try to use them to access your wireless device and change your network settings. To thwart any unauthorised changes, change your router password.

In order to do so, go to the Administration option, go to Management Window and configure a new password of your choice. Save settings.

2) Enable Wireless MAC Filtering:

Restrict the number of physical devices that can access the wireless router. To do so follow these steps:

• Enter the Router settings page, in the Wireless (or WLAN) option, go to Wireless MAC Filter Window. Some Router manufacturers also term this as Access Control List.
• Select — Permit only PCs listed to access the wireless network.
• Go to Edit MAC Filter List.
• Add MAC addresses in the following format — 00:19:DS:C3:AC:A7 — in the Wireless Client MAC List. You can get MAC id (physical address) of a PC by entering the command “ipconfig /all” in the command prompt for that PC.
• Save settings.

3) Do not broadcast your SSID:

Hide your SSID (network name) from unauthorised users. An SSID is basically the name of your network which should be hidden from unauthorised users. To hide it from unauthorised users do the following:

• Enter the Router settings page. In the Wireless (or WLAN) option go to Basic wireless Settings Window.
• Create a SSID of your choice.
• Select Wireless SSID Broadcast as Disabled.
• Save settings.

For PCs/ laptops that are authorised to use the Wi-Fi netwok, the SSID will need to be added manually in the network list of that PC/ Laptop. To add go to Control Panel >> Network Connections >> Wireless Network Settings >> Right Click and go to View Available Wireless Networks. Click on Change Advance Settings >> Wireless Networks >> Click on Add >> Enter the SSID of your wireless network >> OK

4) Enable Encryption/ Password Protect your Wi-Fi Network

Encryption protects data transmitted over a wireless network. Wi-Fi Protected Access (WPA/ WPA2) and Wired Equivalency Privacy (WEP) offer different levels of security for wireless communication. A network encrypted with WPA/ WPA2 is more secure than a network encrypted with WEP, because WPA/ WPA2 uses dynamic key encryption to protect the information as it passes over the airwaves. However, WPA/ WPA2 encryption may not be supported by all PCs/ laptops. In such a scenario WEP option may be selected.

In the wireless router interface, go to the Wireless Security Window and configure the security mode and password (Encryption Key) as desired.

Go to the Wireless settings of your laptop/ desktop and create a profile that belongs to a Wireless Network Name (SSID created by you earlier). Control Panel >> Network Connections >> Wireless Network Settings >> Right Click and go to View Available Wireless Networks. Click on Change Advance Settings >> Wireless Networks >> Click on the SSID created by you >> Properties

In the profile properties on your laptop/ desktop choose the same type of encryption configured in wireless router and configure a password (Encryption Key). Save settings.

5) Additional Security Tips

~ Keep wireless routers, access points or gateways away from exterior walls and windows.

~ Turn wireless routers, access points or gateways off when they are not being used (at night, during vacations).

Have a happy browsing :)

Here’s how to access a program’s Compatibility Mode in XP:

Find the executable or program shortcut icon you’d like to run.
Right-click the icon and select Properties.
Click the Compatibility tab and place a checkmark next to the text labeled “Run this program in compatibility mode.”
Select the operating system that the program was originally intended to run on.
You may need to fine-tune the three fields under “Display Settings” if an older program requires 640×480 resolution or 256 colors.
Click Apply.

Try starting the program after making these changes. If it still gives you trouble, try a different operating system. If the program was written for Win95 and worked fine in Win98, there’s nothing that says it still won’t work fine with Win98.

Microsoft provides a Knowledge Base article, but reading it is like walking through molasses: It describes in infinite detail a file security system based on a 1-to-5 scale. However, if you look for this 1-to-5 scale anywhere in your security-settings interface, you may come away a little confused. These numbers are nowhere to be found.

Microsoft’s 1-to-5 scale means nothing to the individual user and relates in no way to the actual practice of setting your security protocols. Enter the Screen Savers. We are here to explain it to you.

The security settings the user actually sets relate to read access, write access, shared folders, and password protection. These features are available in both Windows XP Home Edition and Windows XP Professional, however the features only work if the operating system is installed with NTFS. FAT32 does not support the file permissions described here.

You can choose to install Windows XP Home using NTFS, but you should use a FAT32 file system if you are dual booting and want to see the contents of your Windows 95, 98, or Me partition from your XP partition. Your file system is not set in stone when you install Windows XP. You always can change your file system from FAT32 to NTFS without losing any of your data; however, the transition is one-way only.

There is no going back to FAT32 from NTFS unless you grab a copy of Partition Magic. Microsoft recommends you install Windows XP Home with FAT32 if you intend to install more than one OS on your computer or if your hard drive is less than 32GB.

If you have Windows XP Home or Professional running NTFS, you can hide files and entire folders from prying eyes. When you set up multiple user accounts on one machine, any user with administrator access can view the documents in another’s My Documents folders. To protect a folder, right-click it, choose Properties, the Share tab, and select “make this folder private.” No one, not even a fellow system administrator, can access these most secret files.

Every file or folder contained within whichever folder you choose to make private will take on the settings of the parent folder. If the administrator does not have a password to the account, Windows XP will prompt the user to make a password or risk subjecting his or her private work to public scrutiny. No Windows password means no protected files.

A person who logs in as a guest or as a user without administrator privileges cannot see the contents of any other user’s My Documents folder, even if the folder has not been explicitly made private. The user with limited privileges can, however, set a password and protect his or her documents from the prying eyes of the administrators. Windows XP is all about privacy.

It is a nice feeling to keep your personal tax documents secure from the passing lookey-loo. It’s about time Microsoft made snooping your computer more difficult than snooping your medicine cabinet.

Windows XP has shown an impressive track record of game compatibility. We ran a number of standard games, such as “Tiger Woods Golf,” “NHL 2001,” “Max Payne,” and “Unreal” on our Windows XP Professional machine. Some of these games were specifically slated for Windows 95 and 98, and were shown not to work in Windows 2000. The installation in XP was as smooth as silk. The games ran quickly and beautifully — not a problem in sight (except for my bad chip shot — Tiger was hanging his head in shame).

Some less-sophisticated programs may not run as smoothly, and we found that some older applications, such as the Atari 2600 Classic Game Collection, did not appreciate the Windows XP environment. In this case you can use the Application Compatibility Wizard, found in the accessories menu. XP includes integrated compatibility layers to mimic older versions of Windows, so if your program does not work in Windows XP, the compatibility wizard will walk you through the process of getting even your favorite DOS games up and running. In this case, we ran the Atari Classic Game Collection in the Windows 95 environment, at 256 colors and 640×480 screen resolution. Then we set XP to always run our Atari application in this environment, and everything was smooth sailing after that.

One final tip about compatibility: Don’t run the compatibility wizard if your program appears to be running well in the normal environment, as the wizard will give you an error message. In general, XP has great program compatibility, so you can upgrade your operating system without giving up all your old favorites.

In order for a computer to take advantage of a multiprocessor setup, the software must be written for use with an SMP system. If a program isn’t written for SMP, it won’t take advantage of SMP. Not every program is written for SMP; SMP applications, such as image-editing programs, video-editing suites, and databases, tend to be processor intensive.

SMP in Windows XP

Operating systems also need to be written for SMP in order to use multiple processors. In the Windows XP family, only XP Professional supports SMP; XP Home does not. If you’re a consumer with a dual-processor PC at home, you have to buy XP Professional. Windows XP Advanced Server also supports SMP.

In Microsoft’s grand scheme, XP Professional is meant to replace Windows 2000, which supports SMP. In fact, XP Professional uses the same kernel as Windows 2000. XP Home is designed to replace Windows Me as the consumer OS, and Windows Me does not support SMP.

The difference between XP Professional and XP Home is more than just $100 and SMP support. XP Professional has plenty of other features not found in XP Home; some you’ll use, others you won’t care about. Get more information on the differences by reading this article.

It doesn’t matter if you never again remember a Windows user password. Thanks to XP’s Forgotten Password Wizard, your conscience will be free and clear — should your mind happen to accidentally misplace your user password.

I highly suggest you create a password recovery disk the minute you create your user account. Why? In order to create a password recovery disk you’re going to need your password. Write it down the minute you create your user account and then proceed to creating your very own password recovery disk.

Here’s how to launch the Forgotten Password Wizard:

Single-click Start menu, Control Panel, and User Accounts.
Click your user account name.
Under Related Tasks on the left, click “Prevent forgotten password” to launch the wizard.

Now that you’ve launched the wizard, let it walk you through creating the recovery disk. Make sure the disk you use is formatted and in the drive. After it’s finished creating the disk, label it and stash it away for an emergency.

If you happen to forget your password, all you need to do is click your user icon at the logon screen. Even though you don’t have your password, go ahead and click the green arrow just like you would to finish logging on to your computer. This will launch a little yellow dialog box directing you to use your password recovery disk.

Here’s how you can customize your user account icon.

Single-click the start menu and choose Control Panel.
Single-click the User Accounts icon.
Find the user account you’d like to change the icon for and click on it.
Click the text that says “Change My Picture.”
You’ll have the option to either pick one of the predefined icons or choose your own.
If you like one of the predefined icons, just highlight the one you like and click the button labeled “Change Picture.”
If you’d like to use your own picture, just click the magnifying glass or the text labeled “Browse for more pictures.” This will launch a dialog box directing you to navigate to where your new picture is stored. After you find it, just click Open to save your new changes.