The other way to solve this problem (especially with Win 98, and maybe with Win 95) is to set up a specific user, (rather than the default start up user).
This is a bit of a pain, as you need to log off as the default user and then log on as a specific person. I have not been able to find out why Win 98 does this (other than being Windows), other than being a network security feature. If anybody has a solution then I am interested in it.
How to do it:
Start button, settings, Control Panel, Users, new user. This will create a new user profile and it’s own password files.