News and Views From my kids accomplishments, to my heretical perspective of the world

Windows 10 has built-in anti-virus, called “Windows Defender”. It’s nice to have free anti-virus, but I have some concerns about it.

First, Defender doesn’t get very good ratings from independent anti-virus testing labs. (4 stars out of 6 on Protection.)

My bigger concern is that even if it worked very well, it’s an obvious target for hackers. If everyone is using the same AV program, then effort spent finding holes and weaknesses in it are going to pay off big. Every black-hat hacker in the world must be focusing on finding and exploiting flaws in Windows Defender. Based on this, I’ve decided to try an alternative for a year.

It’s not that I have a lot of problems with viruses. I think I’m a pretty safe user, and have never had a significant infection. But I work on other people’s computers and know that malware is prevalent and can be messy. Worse yet are things like ransomware that encrypts your data unless you pay for a key.

Based on independent lab AV-Tests’ results**, only Kaspersky Lab’s AV got 6 out of 6 stars in all three categories (Protection, Performance and Usability). Obviously Protection is the most important category, and several other programs get 6 stars in that category (including AVG and Norton).

Whenever I read about the latest exploit or malware infection, it seems that people are quoting Kaspersky Lab, and they are often the first to find it. They have an excellent reputation in the AV world. Based on all this, I bought a one-year, 3 computer subscription. I’ll see how it goes.

I would suggest that if you are already using the free version of AVG there’s no strong reason to switch since it also gets 6 stars for protection. But if you are depending on Windows Defender, you might want to think about using something else.

** In June, Defender detected 97.3% and 99.3% of two categories of current malware. AVG was 100% and 99.4%. Kaspersky was 100% and 100%. Looking back over previous months, Defender is often much worse (sometimes in the 80’s), while Kaspersky continues to shine. AVG slightly exceeds Kaspersky in a few cases, but on average is lower. And Kaspersky consistently has less impact on system performance than either of the others. That’s a tie-breaker for me.

I’ve been on Medicare for 5 months now, and it is so much better than any options I had before. I’m saving about $500/month on premiums, my annual deductible is $166 compared to $6000, after which I pay 20% of better negotiated prices, and many more physicians accept Medicare than my previous insurance.

Gisele is still on her Aetna PPO plan, for another year. We have had so many issues with physicians apparently being “in-network”, but then not appearing on their internal list. It has taken several hour-long phone calls, and I’m not sure it is straightened out yet.

If you ask a physician’s office, “Do you take Medicare?”, usually they will say yes, but in any event they will know immediately whether or not they do. With our other policies, it’s “Which insurer? Which Group Plan? Which network? We’ll have to check…”

Medicare is very similar to the universal coverage that most developed countries have (did I say “most”? I mean every one except the USA). Can we find a way to extend it to everyone?