I may be wound up tight, but my mainspring is not going to break. (That’s a watch joke, if you didn’t get it.)
Work Wisdom – Rideshare, Door Dash, Etc.
This is not going to apply to you, but it may be relevant to one of your kids, grandkids, a friend or a neighbor. In this “new economy” people are working for companies like Uber, Lyft, and Door Dash to make some extra cash or possibly even as a full time gig. While working for these outfits, they are a 1099 contractor. Expenses can be deducted but good records (like mileage) must be kept. Taxes are not withheld. Drivers should be saving part of every check to cover the Self Employment Tax at a bare minimum. Additionally, these workers should purchase extra car insurance to cover what the company won’t. There is often a gap in coverage. Finally, they should ask if this kind of work voids their car’s warranty.
Shopping For Computers – Summer 2021
I just want to set the expectations so that now one is surprised later on. For the most part, prices are going up. Discounts are few. I’m sitting here in front of a Thinkpad T series — $2000 MSRP, that I got for $650 (new) in January 2020. I also have a Dell Latitude 5450 that was about $1100 that I picked up almost 6 years ago for under $400 with some extreme couponing on Dell(dot)com. Complete fairy tales in 2021! Fiction! Most of you are buying laptops. I still like all of my old picks — MacBooks, Dell Latitude 5000 series or 7000 series, and Thinkpad T or X series. However, for a solid laptop (I’m not even talking about top of the line or luxury), you are looking at $1500 to 2000 for a brand new unit. The Mac Book Air starts at $999. However to get the 500 GB SSD hard drive its + 200. These new Macs have such a brand new unique architecture and everything is built in, with no replaceable parts. I would seriously consider getting the 3 year Apple Care warranty for $250. That puts your right around $1500 considering taxes. For one of the better Windows laptops, you’ll be paying the same or more. A client was recently considering a Thinkpad T15. The price dropped to $1274 for a very well equipped system. I said — TAKE IT; that’s a buy price! In terms of iMacs, the $1699 model is the one you’ll really want. So where can you save these days? Well, the Thinkpad E and L series are not bad as long as they are properly outfitted. The Mac Mini is still Apple’s bargain desktop. With a $150 monitor, your own non-Apple mouse and keyboard, + $25 speakers, I think you could have it out the door for $1250. (With these new M1 Macs, always buy a larger hard drive than you need (one step up). Don’t say, I’ll never use that much space. The larger hard drive you get, the longer the system will last. Remember, that internal hard drive can’t be replaced.) Finally, you could always try the Dell or Lenovo Outlets. You have to think fast, but bargains exist.
Conclusion and Song of the Week
It was a rough week. You have the right to feel confused and even angry. They are your sincere emotions. Monday through Saturday – I watched ZERO TV. I don’t use Facebook. I don’t use Google other than for e-mail and to look up local businesses. Personally, I’m seeking calm in the storm while fully acknowledging that sometimes one has to hit the punching bag and let off some steam. I thought this piano interpretation of “On My Way” by Peter Buka really fits the mood this time around. He may not have a mainstream style, but he is doing something right with 7.5+ million views on this song alone. Enjoy! https://youtu.be/w2IH69pFsI0
Don’t you just hate it when technology companies remove features or services that we like? It is so frustrating. There may be some hope. The 2015 Mac Book Pro and Mac Book Air had such a solid design. These were reliable machines. They were a joy to type on. However, when the Mac Book Pro was updated in 2016 (and the Air in 2018), there were only two to four ports to plug things into (one used for charging) and the keyboards were flat as a pancake. On the higher end Pro models, they added a stupid Touch Bar with animated keys instead of the traditional Esc, F1, F2, etc, etc. Awful!!
As I have previously shared, they corrected the keyboard with the 2020 laptops. Rumors are swirling now that Apple will remove the Touch Bar in the 2021 models and (drum roll please) bring back a Mag Safe charger. If you recall that pre-2016 charger, it would easily disconnect if you walked into the cord — saving your laptop from damage and flying off the desk. Apple is going back to the old paths. I like the old paths.
Apple also reverted to old design cues and features with the iPhone 12 models. You should strongly consider one for your 2021 iPhone purchase. Remember the flat edges (sharp in a good way) of the iPhone 5, 5s and iPhone SE (2016)? Apple went back to that design with the 12’s that came out last fall. Furthermore, they are using only Qualcomm modems once again after using inferior Intel modems for a few years. Customers are reporting better signal performance in many instances.
Finally, not everyone likes using the Face ID on the iPhone 10 and later models. It can be a royal pain with a mask on. On the most recent iPad Air (the middle model), Apple re-introduced a Touch ID sensor. We can only hope they offer this on the 2021 iPhone models as well.
One score and one miss.
I will start with miss first. I know that some of you are likely looking for a quality laptop this year. You know how I rave about the Lenovo Thinkpad (IBM’s old line) and the Dell Latitude systems. In fact they are better than the current crop of Mac Books. For what seemed like this weekend only, Lenovo was offering an unbelievable $629 price on a fully decked out Thinkpad T480. It was brand new, even though the T480 was the 2018 model. I wish I could have gotten this information out to you sooner but I just wasn’t able to. By Monday morning, the price had jumped back to $2029. This 14 inch laptop is every bit as high quality as a 13 / 15 inch Mac Book Pro and in my opinion better.
I am pleased to report that I was successful in helping a client save big money on their Comcast bill. I was able to get them an annualized savings of $576, with monthly pricing going from $268 to $220. The name of the Comcast package was called Select Triple Play. The particulars that influenced this deal included a phone modem rented from Comcast ($14 – 15 approx.) 2 cable boxes, and HD service was included in the deal. The Select Triple Play includes the Digital Preferred cable TV package, one level higher than the “standard” TV package, and Blast internet (300 mbps). This deal is apparently an everyday price, no strings had to be pulled and no arms had to be twisted. Fees can go up in the future, as always. Please see my last update. In this scenario, the client could save the modem rental charge by buying their own telephone capable modem (approx $200) but it would take about 1.5 years for the cost savings to equal out. Given that this particular client’s house is known for lightning strikes and modems have been replaced in the past — renting is likely the best option.
If you are wondering about the Standard Triple Play, pricing will be a little less. If you can get a promotion guaranteed for 12 or 24 months, pricing will be even lower but you will have to sign a contract on those promos. What I can say is this, if you are getting all 3 services from Comcast not including any extra packages – $175 to $225 is very normal these days. As with the computers, promotional packages can be here one week and gone the next.
Preview: Cell Phone Market is Changing
I am going to get into this more in a future update. However, I see the cell phone market changing a lot as we move to the end of 2020 and beyond. Old networks are being shut down and the carriers are going to rely exclusively on advanced networks like LTE and 5G. There have been a ton of layoffs and I think this has put a lot of strain on delivering positive customer experiences.
Based on personal experiences and helping clients, I would say my ranking of best providers in terms of customer service are
1. Consumer Cellular (ATT Network)
3. Xfinity Mobile (there will be some changes coming Feb 1, however)
*Verizon has really fallen in my opinion. I also don’t have a lot of data to go off of with ATT directly, that is why I did not mention them. A provider can have great service on technical merits, but I think what my typical client (age 60+) cares so much about is the level of customer care provided. No one wants to wait on the phone for 2 or 3 hours to be heard.
Comcast Sticking It To Us
I don’t know if you noticed this with your December Comcast bill, but I wasn’t too pleased to see what they are doing effective 12/20/2019. Although I am under an existing contract for a guaranteed price for my internet and TV through May 2020 — my fees will be going up. I believe they can raise the fees portion of the bill even if you are in a contract. If you are not in a contract, your fees will definitely be going up. So here is the damage — Broadcast TV fee (designed to capture what local stations charge Comcast for transmitting their feeds to us) $10 to $14.95, TV box fee (charge for that 1st cable box) $2.50 to $4.60, and the remote fee is going up from $0.18 to $0.40. So this looks like an additional $7.27 if I did the math correctly. Are the retransmission fees that Comcast is charged by the local stations going up? I don’t know. I also know that prices of most internet packages are going up $3 per month, however, I don’t think this applies to me as I am in a bundled promotion. More and more people are cutting the cord and going with internet only. Comcast is looking to make up for their loss in subscribers one way or another. For a lot of customers in Connecticut, there isn’t much choice outside of areas where Frontier has fiber optic service. The non-Fiber frontier service is pathetic. There really is no alternative but Comcast. Some of you have the ability to choose Go Net Speed. They are available in limited parts of West Hartford and the New Haven area. Hopefully they will be rolling out beyond their existing footprint soon. A great choice for Internet only!
Best of 2019
I used to write this up in more of a newsletter format, but I just wanted to give you a brief sampling of some of the best products and services I worked with all year.
Best Premium Smartphone: iPhone 11 — Apple really got this one right and they lowered the starting price by $50. It’s an easy choice for iPhone owners
Best Mid-Range Smartphone: Google Pixel 3a — Google brought out these phones mid-year that were in the same spirit as their old Nexus phones. They are under $400 with a lot of premium features and they still have a headphone jack. I hope we see a Pixel 4a in 2020. We may also see an iPhone SE 2 or iPhone 9 sold in this price range next year.
Best Laptops: Unfortunately — I can’t say that any Apple laptops are among the best of 2019. However I really like 2 product lines the Lenovo Thinkpads and the Dell Latitudes. Specifically I am a fan of the Thinkpad T490, E490, and X1 Carbon 7. In terms of the Latitudes, I favor the 5000 and 7000 series. They are solid, have great keyboards, and are built for the long haul.
Best Desktops: I still like the 2018 Mac Mini and hope Apple keeps it updated for years to come. I am also partial to Dell’s Optiplex and Lenovo’s Think Centre desktops, properly equipped of course.
Best Backup Service: Keep in mind that iCloud, Dropbox, or One Drive are not true backup services. They are online file synchronization services. This means that if you delete a file it will be deleted in other places. You should have an opportunity to restore the deleted file within a period of time. I still love all of those services but they are not true backups. If you have a lot of data that you can’t afford to lose, I highly recommend Backblaze or Carbonite. Either service is $6 / month for personal use.
As we come to the end of the year, we also come to the end of the 2010’s. (Whether or not it’s truly the end of the decade, may be a technicality. Some of my elementary school teachers would have said that the decade is 2011-2020), but for all intents and purposes many in the technology community are looking at how far we have come in the last 10 years.
I will just give you a few of my thoughts. I will also ask you, how has your use of technology changed in 10 years?
-The iPhone was not Apple’s bread and butter in 2010. In the USA, it was still an AT&T exclusive. Verizon users were being pushed to get a DROID, which was special branding put on Android phones made specifically for Verizon. Big iPhone competitors that year were the Motorola DROID, the DROID X, and the HTC DROID Incredible. As a Verizon customer, I could not get an iPhone. My first smartphone was the Incredible. Everything opened up in early 2011 when Verizon came to an agreement to sell the iPhone on their network. I got my first iPhone in the fall of 2013 and haven’t looked back.
-The 2010’s were also the decade of the iPad. I acquired my first iPad in 2010. To be honest, I didn’t see much use for it in the beginning and I sold it in about 6 months. Today, we see the iPad as the tablet done right. It does not run a full, traditional computer operating system (now called iPad OS) but it gets the job done well enough for quite a few folks as a primary computing device and nearly everyone else as a “secondary screen”. Want to use it in the hand? You can check email, shop, bank, read books, and watch TV / video. Want to use it with a keyboard? It is a near laptop. When Apple came out with the iPad Pro a few years back — they really blurred the lines between Mac and iPad. I don’t think it’s a bad thing, though I would still prefer a full Mac / Windows computer as my #1 device. There was a lull in the iPad market in 2015 and 2016. It seemed like it wasn’t going anywhere. But then, Apple lowered the price of the “standard iPad” (9.7 inch, now 10.2) to $329 in 2017 and sales have gone up like wild flowers.
-10 years ago — many people thought the PC (personal computer) would soon be dead. Remember when netbooks were a big thing? These were small – 9 or 10 inch — very underpowered Windows laptops that were meant for travel and quick browsing or e-mail. I fondly remember — hacking a Dell netbook and putting the Mac OS on it. It ran well for a while. The keyboard on that netbook was excellent, though cramped. Fast forward to 2019 and the PC is not dead. The industry has innovated. In late 2010, Apple released a timeless design with its 2nd generation Mac Book Air. This Ultrabook design helped change Windows PC’s for the better. No longer did a powerful machine have to be a big clunker. Microsoft also got into the market in 2012 by releasing its own line of tablet computers called Sufrace. The original Surface concept (which ran a limited version of Windows RT) was a flop, but the Surface Pro (which runs full Windows) has been a huge success. This 12 inch tablet, with keyboard has aged with conservative design changes and is really the gold standard for small, sub-13 inch computers. Consumers with simpler needs have moved to the smartphone and the iPad, in some instances – exclusively, but the PC market is still here. The premium PC market is strong.
-During the past 10 years — especially 2016-19 — Apple lost its perch in the laptop market. Beginning in 2016, they wanted to get so thin and light in order to shave a couple of millimeters that they released a horrible keyboard design. Many claims of defects were made and lots of warranty work had to be done. The problem became so bad that in 2018, Apple decided to give all owners of the new Mac Book Pros a 4 year warranty on the keyboards. This special warranty now covers the late 2016 to 2019 13 and 15 inch Mac Book Pros and the 2018 and 2019 Mac Book Airs. Good news! Apple has seen the error of its ways and recently came out with a new 16 inch laptop with the old 2015 style keyboard. Hallelujah! We can only hope that Apple will revise the 13 inch Mac Books (models my clients would be most likely to buy) accordingly next year.
-On a personal note, I just want to say that I have learned over the course of 10 years that not everything online is better. 10 years ago, I was actively pursuing my Bachelor’s degree online (with a few on campus courses mixed in). That evolved into an exclusively online Master’s for the academic portion, with some in-person internship or practicum experiences. It was a colossal $60,000 mistake. Some day, I should write an article or short guide about online college studies. Ultimately, what I learned is that online education is not appropriate for all learners and career objectives. Just because it’s more convenient or you are a technologically savvy person or you can express yourself more freely by typing — does not mean an online degree is appropriate. Online education would be appropriate for someone who is already established in an industry, even in an entry level way, and they are aiming for their degree (hopefully with the encouragement of management) in order to advance in that field. Online degrees are right for someone with an established network that is using that degree to get a bump in pay due to that accomplishment (ie. a teacher getting a salary increase for a Master’s). Online coursework would not be appropriate for someone looking to blaze a new path in a field where they have no relationships. That is where I got lost in the maze. I also believe formal college education is not right for everyone and that trade schools and apprenticeships are a very sustainable path for our young workers. It makes me think of a picture that you have problem seen passed around in chain e-mails depicting two “learners.” Jim — 4 year degree in Philosophy – $100K in debt, no job. Joe — 4 year paid apprenticeship. No debt. $80K a year salary. Today, Joe works for the electric company and cut off Jim’s lights for non-payment. Sad, but could be very true.
I haven’t shared one of these in a while — but I wanted to let you know what I think are the best devices out there. I am thinking of my typical client — not a video gamer or a professional video editor. I think these would work well for most of you out there.
* 1st choice – Mac Mini — Apple FINALLY revised the Mac Mini last year after not refreshing the Mac Mini since late 2014. It’s full of ports to plug things into in the back and comes with the FAST hard drive by default (unlike the iMac). You do need to provide your own keyboard, mouse, and monitor, but these won’t cost a fortune. A $100 to $150 monitor on Amazon will be just fine, as will a 3rd party Apple compatible keyboard.
* Close 2nd – Dell Optiplex 5000 or 7000 series, Lenovo Think Centre desktops — when custom ordered and appropriately equipped — these systems are rock solid and will stand the test of time
* Lenovo Thinkpad T series or X1 Carbon (current models) – These laptops have the best typing experience imaginable. They are business class systems and you get to deal with Lenovo’s US based support
* Close 2nd – Dell Latitude 5000 or 7000 series — These business class systems will not disappoint. They are plain looking but packed with power and durability. You may even be able to snag a super price from the Dell Outlet.
* Close 3rd – Lenovo Thinkpad L or E series (current models) – They offer the same keyboards as their more expensive siblings, but they are slightly heavier and are a little bit lower grade in terms of the materials. For a decent laptop under $1000, I highly recommend them.
(Leaving Apple out was not an oversight on my part!)
* Premium – iPhone XR — I think there is no comparison for a premium smartphone. Most of my clients do not need the advanced features of the XS or XS Max. It is Apple’s best selling smartphone.
* Budget – Google Pixel 3a – At under $400 – You can’t go wrong with this model. It is probably better than the significantly more expensive Pixel 3.
– iPad (2018) or iPad Air (2019) — No explanation needed. There are no significant Android tablets to speak of. iPad Pro is only necessary if you really plan to use it as your primary computer.
Official Announcement: Verizon Delays Shutdown of CDMA Calling Network
This is an update to the announcement I have shared with you before. Verizon has been relying on an older calling network called CDMA for at least 20 years. About 5 years ago, they sought to supplement this with a more advanced calling network known as LTE. If you look at the top of your smartphones, you often see the letters “LTE” when you are not on your home based WIFI. Verizon first announced sometime in 2017 that they were shutting down the CDMA network at the end of 2019. I first started making you aware of this earlier this year. Notable phones like the iPhone 5s and older do not support LTE calling, likewise with older flip phones. As of a few months ago, Verizon stopped activating phones that do not support the newer technology. I helped several of you upgrade to newer phones on the Verizon network (be it with Verizon, Xfinity Mobile, or even Great Call / Jitterbug). I don’t regret that for one minute because you are all set for the future. In light of the fact that they have many customers with older phones, especially businesses, Verizon has delayed the shutdown of the old network by 1 year — to the end of 2020. You still cannot activate a new CDMA calling only device should your device die. It is definitely time to upgrade if you are on an older device. You just have a bit longer to do it. LTE calling capable iPhones, Android phones, and yes — flip phones, are widely available.
A popular TV show used to run promotional spots saying this week’s episode is “ripped from the headlines.” This update is chock full of valuable info. You may want to print it out for digestion in small bites.
Ripped from the Customer Files
Not Selling Window Dressing
A new client recently approached me and inquired if I could do any maintenance procedures to make the computer a little faster. I DID NOT rush out with little care, acting in an overconfident manner, simply to generate a 1 hour appointment for myself. I gave the client a proper “triage” over the phone. We talked for a half hour. I took a mental note of key facts, the most important being that it was a Toshiba laptop. Toshiba was a big name in the history of laptops and consumer electronics in general. In fact, they were a big seller at Best Buy up until about 6 or 7 years ago. Since that time, I don’t know any clients that have bought them. I don’t see them at the stores. I knew the computer had to be at least 6 years old. In fact it is and possibly a little older. I really put the CARE in VIP Computer Care. On a slow computer, you could certainly back up the data and reinstall the operating system (Windows or Mac). You could replace the hard drive with an SSD (solid state drive). Both of those would likely be at least 3 hour jobs. I explained how I thought those would be reasonable on a 3 or 4 year old computer, but I don’t think I would want those done on my 6+ year old computer. A software only solution doesn’t make up for bad or degrading hardware. Solid State Drives have been wonderful for many of my clients but they don’t negate the fact that the rest of the computer is subject to failure. I emphasized that the best thing to do would be to buy a new computer and that in the $500s to $600s, the safest bet is a business class system from the Dell or Lenovo outlet (not sold in stores). At the right time, the client will have me set up this new computer for them.
Rather than try to gain a customer for one visit, I established what I believe can be a long term relationship. It’s my nature; it’s who I am. 🙂
But I was just sending e-mails to a church prayer group!! I worked with a client recently that literally had their Google account temporarily suspended for inappropriate activity. The client is 80 years old!! What were they doing? How bad could it really be? Here are some lessons. A lot of us send group e-mails. You are receiving this message as a part of a group email. With personal accounts especially, inappropriate composition of the message could trigger some red flags. Here are some good tips. With a group e-mail…
1. Put yourself in the To field
2. Put your recipients in the CC or BCC field. (CC if you want everyone to see each other’s addresses, BCC if you want the list of recipients to remain private.) I always send my messages out via BCC.
3. If your list of recipients approaches 50, sent out 2 (or more) emails with distinct groups of contacts
4. Even with these precautions, you may still have an issue with e-mail going into the SPAM folder of the recipients
4a. You may want to consider a paid e-mail address for your business, club, or group (i.e Microsoft / Google) for about $5 per month
4b. You may want to consider an easy to use newsletter e-mailing service like Mail Chimp. Mail Chimp has a free option for small businesses, groups, and non profits.
The Simplicity of the Chromebook
I was with a client recently who uses a Chromebook as her primary computer. Chromebooks are amazing (along with their desktop sister -Chromebox). A Chromebook is a limited computer but the safest one you can buy. Think of what you can do in your computer’s browser (Chrome, Firefox, Safari). I am pondering online banking, shopping, e-mailing, searching Google, letter writing, and other tasks. You can do all of those things on a Chromebook. You can’t do anything else. There are no programs. It runs the Chrome browser — that’s it. It’s operating system is called Chrome OS, not Windows or Mac. The Chromebook has graduated beyond those 11 inch $200 devices you may have seen 5 years ago. There are mid range ($500’s) and even high end Chromebooks available now. A Chromebook is a great secondary computer, for example to take some stress off or extend the life of your primary computer. It may be a primary computer for some. There are lots of options out there, but if you are looking to dip your toes, I think this Lenovo model makes an excellent starter Chromebook (amazon link) https://amzn.to/2UN3RoK
So the real story here was that the client’s Chromebook was corrupted. After entering the login password — a wheel on the screen kept spinning and spinning. In plain, English the operating system was messed up. On a Windows or Mac system, resetting the operating system and copying the files back might be a 2 to 3 hour ordeal (or longer if lots of files were involved). How long did resetting the Chromebook take? 5 minutes. No joke!
Free Credit Reports and Credit Freezes
I meet clients all the time who are worried about their credit reports being jeopardized because of security breaches with department stores, utilities local governments, and other entities. You have worked a lifetime of building up that near perfect credit score — why leave anything to chance? I think I mentioned it about a year and a half ago but I can help you obtain your free credit reports (via the only site authorized by the U.S. government) and if need be, place security freeze on all 3 of your credit reports. We can typically accomplish this in a 1 hour session. Please be advised that should you need to apply for credit in the future, you will have to log onto the website of the bureau being checked and unfreeze that credit report for a few days or however long is needed (your lender may also be willing to do this for you also). That process takes all of 5 minutes. I will make sure you have all of the passwords and user names needed to successfully manage your credit freezes. Remember, I do not hold onto customer passwords.