But along with computers, we've also been infiltrated with a little thing called "self-service." Today, there are more self-serviced resources than ever and in an effort to synchronize them with headquarter databases, they're provided via your inescapable computer. Here are some examples. Banking is self-serviced through the desktop-clad ATM machine. This is of course, assuming the kids are too young to whine about not having enough SDRAM or less than a 160GB hard drive. Today's "older" computers are perfectly capable of accommodating the needs of young PC users, and they're excellent machines for playing educational CDs, small multimedia files, or games downloaded from the Internet. Programs Included With a New Computer Are they good enough to stand on their own? The Windows operating systems already comes with a useful collection of pre-installed programs and even some games. But one of the first things that people do is download a butt-load of new programs as soon as a brand new system is plugged in the wall and connected to the Internet. If you can remember that there are hoards of alternatives to costly commercial software (and you make the effort to get it), you'll discover that you can keep up with the rest of the computer industry at a significantly cheaper cost than if you attempted to pay your way down the software aisle. Software piracy just isn't the answer. Not just a bunch of preference settings, display properties help individuals who have to deal with visual problems. Accessibility Options. Speaking of visual problems, another setting that's useful is accessibility options. This setting allows people with disabilities to use a computer that accommodates vision and hearing problems. It's when these accessories are work requirements or when they're needed to produce works of quality for any other reason that they can become rather expensive. And this expense applies to microphones, digital cameras, PDAs, scanners, video cams, and more. Regardless of cost, it's important to understand that accessories can become "necessities," and that the best time to get them is the moment you buy a new computer.