![]() Two big areas where I see problems (and where 1000's of others have seen the same over the years): managing data file integrity and maintaining connectivity. So, until something clearly better comes along, I remain stuck. So, right now, I'm stuck too and can't find a better alternative that does everything I need.Īt least overall though, I have gotten far more benefit from Quicken than it has cost me in time and aggravation. More than anything, I want those One-Step Updates for instant account activity. But not for the other features that I use. For simply managing income and expense, Mint (I've tried it) would work fine. No way would I be willing to frequently do manual downloads into a spreadsheet either. Because I manage accounts for multiple family members, it would be difficult to replicate what I get from Quicken via another package. But I also lean on Quicken for investment management support. Like you, I don't use Bill Pay or Mobile. And I saw improvement in product performance and stability since the late Intuit days. It conforms to my processes, rather than vice versa. My problem is that Quicken addresses my current needs better than any alternative. On the brighter side, it appears that the installed user base has grown since the end of the Intuit days. Since late last year, when Quicken announced that Aquiline Capital Partners would take a majority stake, I'm inclined to play wait and see for a while longer. Capital in 2016), I'm losing my patience again. It would be tough for me to walk you off the ledge because, for the first time since Quicken got sold (Intuit to H.I.G. If transaction downloads are not part of your personal finance process, see if you can find the last version that had a perpetual license (2017?) and use that. As long as you keep up-to-date with upgrades, it actually works pretty well. If transaction downloads are part of your personal finance process, then I don't think you are going to do any better than Quicken. The subscription model for Quicken is the only viable way to have an income stream to pay developers to keep up with external changes. I'm sure they wished that financial institutions would get things where they need to be and then stop dicking with it. That's the decision of that financial institution. Bank of America, Navy Federal, and some others do require multi-factor authentication each and every time you download. Schwab downloads were broken fairly recently, but only for a short time. ![]() Yes, Vanguard transaction downloads were broken for a couple months once. However, the changes in transaction downloads from financial institutions must keep them very, very busy keeping up with constant changes in protocols, actual real security, and mostly security theatre. The core Quicken software is generally rock solid. ![]() ![]() You can see who is onboard with the new FDX standard here:Īre you absolutely certain you have the latest version? Right now, I'm showing version R37.67 build 27.1.37.67. Schwab went from the usual OFX standard to the new higher security FDX standard. Can't predict if there will be future problems, but for now all of my accounts are working with Quicken. I made another attempt at Schwab yesterday, following all of the suggested methods on the Quicken Community site and had success adding Schwab. I was able to add all of my accounts except Schwab, the day I downloaded the program. I rolled over my 457 last week and purchased Quicken. ![]() It seems that Quicken is the only option that works with the new FDX standards for downloads. I have been looking for alternatives in anticipation of rolling over my 457 at Prudential to Schwab. Schwab is using the "next generation" of OFX, which is FDX, so there is no longer any workaround for Microsoft Money. I had my Roth IRA at Schwab with only one position (VTI), so I manually updated the daily price. I had a brokerage account at Vanguard and a 457 at Prudential that downloaded fine with the script I was using and was able to manually download OFX/Q** files from my banks to Microsoft Money without issues. I just switched over to Quicken this week from happily using Microsoft Money with various scripts to keep downloads operational for years. ![]()
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