Personal settings affect only your own sessions and databases. You set these defaults in one of three places, depending on the particular option:
On Windows, the initialization file is called ccm.ini, and you create it in your Windows Documents and Settings directory (for example, C:\Documents and Settings\user_name_directory).
On UNIX, the initialization file is called .ccm.ini, and you create it in your $HOME directory.
You must restart your session to be able to use a new default setting in your initialization file.