So far shutting wifi off while opening QB results in reliable running of the program without having to change any settings.  I even just tried to turn wifi back on while QB was open and it didn't crash then so it seems related to the startup process only. 

One other great benefit is QB opens a lot faster when wifi is shut off!  So  I highly recommend others try this and see if they have similar success.  Since Intuit won't fix this we have to try to come up with a workaround that will.  Maybe we should send them a bill....?