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by jchef
Thu May 21, 2015 7:53 am
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 2996

Re: Just used my chip credit card for the first time!

Back to the original topic, it appears you won't be seeing chip cards being used anytime soon. Who knows when we'll have chip and pin?: Most of the larger chain stores will have the chip terminals running by the October liability shift deadline. It will be too costly for them not to. Any large chai...
by jchef
Wed May 20, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 2996

Re: Just used my chip credit card for the first time!

Finally. I just wish we had the proper chip + PIN implementation. Off the top of my head, there seems to be an advantage with "Chip & Signature", versus "Chip & Pin". With "Chip & Signature", restaurant owners just need one wired credit card terminal. With ...
by jchef
Wed May 20, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 2996

Re: Just used my chip credit card for the first time!

This is incorrect. There is no need for chip credit card terminals to be wireless, even those with chip and PIN . The PIN unlocks the key on the chip card that is used for making payments. With a chipped card, the PIN is not transmitted over the network to the card issuer. Those terminals to proces...
by jchef
Mon Apr 27, 2015 8:20 am
Forum: Personal Consumer Issues
Topic: Thinking about a new desktop PC.
Replies: 55
Views: 3911

Re: Thinking about a new desktop PC.

The "support" issue is overblown. The only time I get support from Microsoft is when those guys with an Indian accent call me. Most users will get support at least once a month when Microsoft issues their monthly security patches. And for Windows 7, this support will end in less than 5 ye...
by jchef
Wed Mar 11, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: How do you use your email?
Replies: 16
Views: 1473

Re: How do you use your email?

I wouldn't say identity theft is a huge info. But account theft can a big issue. A lot of your online accounts have a feature where you can say you've forgotten your password and they'll email you a new password. So if someone can get access to your email address, they may be able to get access to m...
by jchef
Mon Mar 09, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: Evernote Premium Worth It?
Replies: 28
Views: 2328

Re: Evernote Premium Worth It?

Surely the ability to access notes offline will be storage-dependent. No phone can store as much data as a basic laptop or desktop. But it's not just space dependent. According to my Android settings, Evernote is storing 50 MB of data of my device. But my entire Evernote database is quite a bit lar...
by jchef
Mon Mar 09, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: Evernote Premium Worth It?
Replies: 28
Views: 2328

Re: Evernote Premium Worth It?

I don't see an issue on my Android-Phone either. I just tested it to be sure. Flip to airplane mode. Wait several minutes. Still able to open the free version of Evernote and still have access to all my notes. I hate to be-labor this point - but I don't see "offline access" as the main ad...
by jchef
Sun Mar 08, 2015 8:12 am
Forum: Personal Consumer Issues
Topic: Evernote Premium Worth It?
Replies: 28
Views: 2328

Re: Evernote Premium Worth It?

Is Microsoft OneNote a viable option? It's a bit different, but I would certainly say it's viable. Although a lot is going to depend on your needs. I find the OneNote Android app is definitely less polished than the Evernote Android app. But OneNote offers offline sync for free on mobile and also o...
by jchef
Sun Mar 08, 2015 7:44 am
Forum: Personal Consumer Issues
Topic: Evernote Premium Worth It?
Replies: 28
Views: 2328

Re: Evernote Premium Worth It?

You can export individual notes, but as far as I know, there is no way to export your entire content at one time. Very disappointing. You can export everything. Just bring up the list of all of your notes, hit Ctrl + A to select all, and then right click and Export. This will export all of the note...
by jchef
Thu Mar 05, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: Credit Cards and Travel Questions
Replies: 22
Views: 2440

Re: Credit Cards and Travel Questions

smackboy1 wrote: FWIW do not confuse EMV with chip and signature cards e.g. Amex.

It's not hugely relevant but just so you know, both chip and pin and chip and signature cards are valid under the EMV standard.

http://en.wikipedia.org/wiki/EMV#Cardho ... rification
by jchef
Wed Mar 04, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: FREAK: a new SSL/TLS security hole
Replies: 4
Views: 712

Re: FREAK: a new SSL/TLS security hole

On the client side it appears that firefox is not vulnerable, but chrome and the default browsers for Mac/iOS and Android *are* vulnerable. Presumably updates are going to be pushed out soon. It's not that simple for Android. The SSL code used by Chrome and the default browser on Android is separat...
by jchef
Tue Mar 03, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: What is the most ubiquitous, platform-neutral video format?
Replies: 14
Views: 900

Re: What is the most ubiquitous, platform-neutral video form

I have Handbrake, but was a little flustered about whether it was really valid to let it produce its ".m4v" and rename it to ".mp4." You likely don't have to rename it to mp4. While there are some exceptions, most modern software is happy with accepting m4v files. But there is a...
by jchef
Tue Mar 03, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: What is the most ubiquitous, platform-neutral video format?
Replies: 14
Views: 900

Re: What is the most ubiquitous, platform-neutral video form

Either .mp4 is not actually a workable standard, or it is one of those infuriating deals like TIFF where it is a sort of "container" standard MP4 is a container format. There are different video codecs that can be used with the container. Although others may disagree, if you want a format...
by jchef
Sat Feb 28, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: PIN + Signature card in Europe
Replies: 16
Views: 751

Re: PIN + Signature card in Europe

Rainier wrote:At restaurants they bring the machine to your table. The machines know to either ask for a pin or print a receipt with a signature line.

It's not just Europe. This has been common in Canada for a few years. It's great to not have the server disappear with your card for a few minutes.
by jchef
Sat Feb 28, 2015 9:01 am
Forum: Personal Consumer Issues
Topic: PIN + Signature card in Europe
Replies: 16
Views: 751

Re: PIN + Signature card in Europe

How did you get a pin to use at the train station? They said they used it without a pin. There is no rule that prevents automated machines from accepting chip cards with no pin. It's just many of them are programmed to only work with cards that take a pin. However with many Americans receiving (or ...
by jchef
Tue Feb 24, 2015 7:34 am
Forum: Personal Consumer Issues
Topic: Cell Phone in Canada
Replies: 5
Views: 551

Re: Cell Phone in Canada

I would normally suggest 7-Eleven Speakout or Petro-Canada Mobility. These are two pay as you go plans that operate on the Rogers network. If you have an unlocked GSM phone you can just buy a SIM from them and some air time. Or if you need a phone you should be able to pick up a reasonably cheap one...
by jchef
Sat Feb 14, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: Need Help - In Switzerland can't get gps to work
Replies: 8
Views: 878

Re: Need Help - In Switzerland can't get gps to work

Just be aware that you probably have to also turn on data for it to work. I can't speak specifically for the iPhone as I don't have one, but most phones don't require data for the gps to work. However, most phones use A-GPS to help speed up the lock process and A-GPS requires data. So it can take q...
by jchef
Mon Feb 09, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Google two step verification & overseas travel
Replies: 10
Views: 631

Re: Google two step verification & overseas travel

Print out the paper codes and lock them in a safe in case your phone gets lost/stolen/broken. Keeping the backup codes in a safe location is a good idea. But there is also nothing wrong with keeping a copy with you. I've folded them up and keep them in a corner of my wallet. Even if the codes are l...
by jchef
Sun Feb 08, 2015 7:41 am
Forum: Personal Consumer Issues
Topic: Cheap web hosting
Replies: 15
Views: 1095

Re: Cheap web hosting

If your website is extremely basic with light traffic, you could just use Dropbox for free. A regular Dropbox account is allowed 20 GB of traffic and 100,000 downloads a day. It's quite easy to set up a website using Dropbox, a quick Google search will show a number of guides. Then you just arrange ...
by jchef
Mon Jan 26, 2015 9:32 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Network Solutions for renewng website domain
Replies: 10
Views: 515

Re: Alternatives to Network Solutions for renewng website do

You've have had options for many years. There are literally hundreds of domain registrars. Namecheap.com and name.com are popular for low prices and good service. I personally use Gandi.net . It's a couple dollars more than the previous two, but they have an extremely good reputation. edit: make it ...
by jchef
Tue Jan 20, 2015 7:40 pm
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 7103

Re: Google Chrome: is this a mega security problem?

The issue is not whether to use or not to use certain features, but to know which features are activated by default and the implications of these features. If you decide on your own to use the cloud, you investigate various offerings, including their features and constraints, and then you make your...
by jchef
Tue Jan 20, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 7103

Re: Google Chrome: is this a mega security problem?

I just discovered that the new Chromebook has all the contents of my Google Drive on it also. I guess that got synced over as well. I really don't know how that happened since I thought you could protect access to it. That means that anybody getting hold of my GMail password also got access to all ...
by jchef
Sun Jan 11, 2015 8:49 pm
Forum: Personal Consumer Issues
Topic: OpenOffice GetQuote extension is gone. Alternatives?
Replies: 11
Views: 1699

Re: OpenOffice GetQuote extension is gone. Alternatives?

Just to be clear, is inserting a new table the only way to edit the ticker symbols? There is probably a way to edit the existing URL to change the ticker symbols. But I've never been bothered to look at the help pages to figure out how to do that. Instead I'll just delete everything on the sheet an...
by jchef
Sun Jan 11, 2015 6:42 pm
Forum: Personal Consumer Issues
Topic: OpenOffice GetQuote extension is gone. Alternatives?
Replies: 11
Views: 1699

Re: OpenOffice GetQuote extension is gone. Alternatives?

This is a bit of a hack, but it does work. Note that I am using LibreOffice. Because it is so similar to OpenOffice I expect this hack should also work there, but there are no guarantees. Basically, you are going to import an HTML table into your spreadsheet to get quotes. - Start by creating a URL....
by jchef
Thu Jan 08, 2015 8:40 pm
Forum: Personal Consumer Issues
Topic: ubunto vs xubuntu vs lubuntu laptop
Replies: 21
Views: 2585

Re: ubunto vs xubuntu vs lubuntu laptop

You do realize that you can install KDE, Gnome, Xfce or any other window manager you want on Ubuntu and get the full 5 year long term support right? I know, but I got the sense the OP was trying to keep things simple. Installing a new desktop environment or window manager will be intimidating to a ...
by jchef
Thu Jan 08, 2015 4:49 pm
Forum: Personal Consumer Issues
Topic: ubunto vs xubuntu vs lubuntu laptop
Replies: 21
Views: 2585

Re: ubunto vs xubuntu vs lubuntu laptop

It may not matter to you, but the long term support releases (April 2014) for Xubuntu and Lubuntu are only supported for 3 years in total. The long term support release for Ubuntu is supported for 5 years.

And Xubuntu uses the xfce desktop environment, so you do have some experience with it.
by jchef
Tue Jan 06, 2015 10:15 pm
Forum: Personal Consumer Issues
Topic: What to do when smart phone stolen
Replies: 20
Views: 2794

Re: What to do when smart phone stolen

I had to dig around in my Moto X to find the Android Device Manager. Motorola had it hidden under "Device Administrators" in Security, and it was already activated. My back-up LG phone, on the other hand, had the Android Device Manager hidden under "Phone Adminstrators" in Secui...
by jchef
Tue Jan 06, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: What to do when smart phone stolen
Replies: 20
Views: 2794

Re: What to do when smart phone stolen

You don't need to install anything. It's built into your phone. Go to the "Google Settings" app and select the Security option to turn it on.... I just checked this on my Nexus 5 and it was already enabled by default... Google doesn't turn it on by default. (unless that has changed) Perha...
by jchef
Tue Jan 06, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: What to do when smart phone stolen
Replies: 20
Views: 2794

Re: What to do when smart phone stolen

If it was an Android phone did you have Android Device Manager turned on? Thank you, jchef, for your advice. Just downloaded and installed it. Works great. You don't need to install anything. It's built into your phone. Go to the "Google Settings" app and select the Security option to tur...
by jchef
Mon Jan 05, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: What to do when smart phone stolen
Replies: 20
Views: 2794

Re: What to do when smart phone stolen

As well, did you have an email account on the phone? Depending on your email provider there may be an option to automatically log out of all devices where the email is logged in. The same may be true for any other accounts you may be logged into such as Facebook or other services.
by jchef
Mon Jan 05, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: What to do when smart phone stolen
Replies: 20
Views: 2794

Re: What to do when smart phone stolen

If it was an iPhone did you have Find My Phone turned on? If it was an Android phone did you have Android Device Manager turned on? Either of these can be used (preferably by the police) to locate your phone. Android Device Manager can also be used to remotely lock and wipe your phone. Edit: And I j...
by jchef
Thu Dec 18, 2014 10:37 pm
Forum: Personal Consumer Issues
Topic: Android / Windows Audio Playlist Editing
Replies: 5
Views: 763

Re: Android / Windows Audio Playlist Editing

Shuttle+ has a folder browser, so you can tell it to just play music from a certain folder.

Only the paid version has this feature, the free version doesn't. It goes for around $2 in the Play Store. And it's a quite well designed music player.
by jchef
Sun Dec 14, 2014 8:37 pm
Forum: Personal Consumer Issues
Topic: Please help. IPad spoiling my Christmas surprises
Replies: 19
Views: 2696

Re: Please help. IPad spoiling my Christmas surprises

Here's a couple of options. Head to: http://www.aboutads.info/choices/ Once it's done loading, click on the Choose All Companies option on the bottom. This is a organization that many of the major internet advertising companies belong to. By choosing all companies, you are opting out of having perso...
by jchef
Wed Nov 19, 2014 9:27 pm
Forum: Personal Consumer Issues
Topic: Got a new chip & signature cc from USbank: what's the diff?
Replies: 11
Views: 1189

Re: Got a new chip & signature cc from USbank: what's the di

Unfortunately the bad guys can still copy the number and use it to buy stuff over the web ... True. The chip isn't used in online and telephone transactions. However they need to have your card number first. And once chip terminals become common in stores that will become more difficult. It certain...
by jchef
Wed Nov 19, 2014 9:24 pm
Forum: Personal Consumer Issues
Topic: Got a new chip & signature cc from USbank: what's the diff?
Replies: 11
Views: 1189

Re: Got a new chip & signature cc from USbank: what's the di

I've had my chip & signature card (with magnetic strip) from US Bank for at least 2 years now and I have yet to see a checkout opportunity that would use the chip. Even gadgets that suggest you can wave your card at it to make a purchase have not worked. Maybe the chip is just for the "coo...
by jchef
Wed Nov 19, 2014 9:22 pm
Forum: Personal Consumer Issues
Topic: Got a new chip & signature cc from USbank: what's the diff?
Replies: 11
Views: 1189

Re: Got a new chip & signature cc from USbank: what's the di

If you use a merchant that has a chip reader you will likely be required to use it and not be able swipe it. Doesn't really offer any increased security does it? What's the difference whether I swipe it or use a chip reader? This seems like a nothing-burger to me. - Communication between the chip a...
by jchef
Tue Nov 18, 2014 9:54 pm
Forum: Personal Consumer Issues
Topic: Got a new chip & signature cc from USbank: what's the diff?
Replies: 11
Views: 1189

Re: Got a new chip & signature cc from USbank: what's the di

If you use a merchant that has a chip reader you will likely be required to use it and not be able swipe it. Doesn't really offer any increased security does it? What's the difference whether I swipe it or use a chip reader? This seems like a nothing-burger to me. - Communication between the chip a...
by jchef
Tue Nov 11, 2014 12:26 pm
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 978

Re: New Fidelity AMEX - with chip

Hopefully there is an effort underway to upgrade terminals - otherwise what's the point? This is a tiny bit of an oversimplification, but starting October 2015 if a customer has a chip card and the retailer swipes it (instead of using the chip), the retailer will be responsible for the charge if th...
by jchef
Wed Sep 17, 2014 5:23 pm
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 2046

Re: iOS 8 on iPad 2

They only stopped selling the iPad 2 earlier this year, so it made sense that it would likely get one more upgrade. And if you install the upgrade through iTunes on your desktop you don't need much free space. I just upgraded my iPad 2 without any problems and it only had 1.5 GB of free space. And s...
by jchef
Mon Sep 15, 2014 9:33 pm
Forum: Personal Consumer Issues
Topic: My first required EMV transaction in the US
Replies: 9
Views: 1102

Re: My first required EMV transaction in the US

It's a pity, though, that none of this actually impacts card-not-present transactions, which are the only type of credit card fraud I've actually had happen to me. However to commit this type of fraud you do need to have the credit card info. EMV makes it more difficult to get this info. :confused ...
by jchef
Mon Sep 15, 2014 8:40 pm
Forum: Personal Consumer Issues
Topic: My first required EMV transaction in the US
Replies: 9
Views: 1102

Re: My first required EMV transaction in the US

It's a pity, though, that none of this actually impacts card-not-present transactions, which are the only type of credit card fraud I've actually had happen to me. However to commit this type of fraud you do need to have the credit card info. EMV makes it more difficult to get this info. How does E...
by jchef
Mon Sep 08, 2014 1:57 pm
Forum: Personal Consumer Issues
Topic: How often do you really change your email passwords?
Replies: 17
Views: 756

Re: How often do you really change your email passwords?

Drain wrote: Mostly, I don't bother, since I use Gmail with a strong password and 2FA.

Exactly. My email accounts are protected by two factor authentication. So I see no reason to change the password.
by jchef
Fri Sep 05, 2014 12:16 pm
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6617

Re: Home Depot Breach - zip codes revealed

And quite frankly, it may be worth doing every 6 months because this seems to be an escalating problem that no one wants do address, or they do bandaid fixes. Every country that implemented EMV had a significant reduction in credit card fraud. As well, given that the US is the only major country th...
by jchef
Fri Sep 05, 2014 10:42 am
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6617

Re: Home Depot Breach - zip codes revealed

My only HD purchase was online, any clue if I was hacked. I download into Quicken daily, I logged into Discover and they made a statement about the HD attack. :oops: The known hack deals with the software on physical cash registers. Target was quite clear that their online store wasn't affected. It...
by jchef
Thu Sep 04, 2014 5:16 pm
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6617

Re: Home Depot Breach - zip codes revealed

When will US credit card companies learn and start requiring PIN numbers? It so stupid that consumers eventually end up paying for this nonsense. Chip and pin only adds extra protection for an in-person transaction. Most of these credit card breaches are related to online credit card transactions, ...
by jchef
Thu Sep 04, 2014 4:52 pm
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6617

Re: Home Depot Breach - zip codes revealed

Hope this makes the migration to Chip+PIN faster. I am not well-versed in the credit card technologies. From what I read, Chip+PIN would still require some info be stored somewhere (server or not), no? If so, won't hackers still be able to get to it? Thanks! My understanding is that today, the actu...
by jchef
Thu Sep 04, 2014 4:45 pm
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6617

Re: Home Depot Breach - zip codes revealed

Believe me, banks want to stop this more than anything else right now. Most of the rest of world switch to EMV many years ago. While switching the US is more complicated than any other country, they still could have done it. They put it off because they felt the cost of fraud was manageable. They a...
by jchef
Wed Sep 03, 2014 10:30 am
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 864

Re: What to do with Canadian cell phone in the U.S.?

The UK phone will also have to be quad band to work in the US. The US and Canada use 850 and 1900 MHz as their GSM frequencies. The rest of the world uses 900 and 1800 MHz. Many phones, including Nisiprius', support all four frequencies. However there are still a small number of phones that only sup...
by jchef
Tue Sep 02, 2014 12:20 pm
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 864

Re: What to do with Canadian cell phone in the U.S.?

So, the task now is how to "unlock" the phone. I should have mentioned this earlier, but you probably want to confirm that the phone is locked. Because it's sold by a Canadian cell company it is extremely likely to be locked, but this isn't true 100% of the time. So if you put your Americ...
by jchef
Tue Sep 02, 2014 11:54 am
Forum: Personal Consumer Issues
Topic: What to do with Canadian cell phone in the U.S.?
Replies: 15
Views: 864

Re: What to do with Canadian cell phone in the U.S.?

1) It showed a "3G" symbol most of the time in Canada. According to this site: http://www.cellphones.ca/cell-phones/samsung-s275/specs/ The phone supports both GSM (2G) and UMTS (3G). It's a bit surprising that it supports both. But either way, both of these should work fine on GSM suppor...

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