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Checkbook software transition from Q2017

31,971 4,101 May 1, 2020 at 10:49 AM
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I have been using Quicken for a long time (previously MS Money); I use it purely as a virtual checkbook/account projection and do NOT use any of the auto-reconciling features.

Unfortunately from Q2018 and onward, they transitioned to a subscription-type/cloud service which I refuse to support, and I don't use any of the more sophisticated features anyway.

What is a good service that can accept Q2017 files for importing? Are there any left that are downloadable (not web-based or cloud)?

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#2
I'm right there with you. Need more research. Spent a little time a month ago, didn't find anything promising.
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How did I live before SlickDeals? NOT AS WELL. LMAO LMAO LMAO
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#3
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#4
First of all, if you do not use the web based features\auto-reconcile and setup your accounts manually and enter transactions manually, then there is nothing for them to store or know (at least in theory assuming they are not pulling a Facebook on us) and your data is stored locally.

Second, the ability to download quotes has been subject to their 3 year rule for a large number of years, forcing anyone that wanted stock quotes downloaded from the net to update their accounts in Quicken to buy the software every 3 years anyway. What they have done in recent years is basically force everyone to buy a subscription every 1 or 2 years and taken away the ability to use it without any updates at all (all as a result of being sold off).

While that is a pita and slimy to say the least, your alternatives are far worse imo in either using web based products that allow 3rd party companies many with undoubtedly off shore programmers and staff to potentially see and steal your data. I would want no part of that.

Quicken is pretty much the name of the game these days for non-web based finance management. The alternatives are largely on the cloud or web and as such represent a security risk imo. Basically you sort of have little choice as nothing that I am aware of can come close to offering the features and ease of Quicken while not being on the web.

The best option imo is to keep an eye out on EBay and grab a copy on the cheap when it becomes available.
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#5
I just farking hate subscriptions with a passion. You literally cannot own quicken anymore.
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#6
Don't forget to they are harvesting all of your information too!
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#7
Quote from Dr. J
:
I just farking hate subscriptions with a passion. You literally cannot own quicken anymore.

Completely agree with you, but like I mentioned, there is no better option to my knowledge at this point. This ridiculous mentality of putting everything on the web because people are too lazy or too stupid to backup important local data and think that somehow having some 3rd party set of clowns do it for them in the "cloud" makes their lives better is a bane to us all.
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#8
Quote from YanksIn2009
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Completely agree with you, but like I mentioned, there is no better option to my knowledge at this point. This ridiculous mentality of putting everything on the web because people are too lazy or too stupid to backup important local data and think that somehow having some 3rd party set of clowns do it for them in the "cloud" makes their lives better is a bane to us all.

I am not "anti-cloud" but one has to determine where it makes sense. For example, since I only use it as a checkbook, I don't need to be able to look at it when away from home or on a phone. Has that situation presented itself? Maybe a couple times in the last decade, honestly. But, not worth it to me for information like that to be out there.
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#9
Quote from Dr. J
:
I am not "anti-cloud" but one has to determine where it makes sense. For example, since I only use it as a checkbook, I don't need to be able to look at it when away from home or on a phone. Has that situation presented itself? Maybe a couple times in the last decade, honestly. But, not worth it to me for information like that to be out there.

Yes, but as noted, the risk of storing sensitive data on the web with a 3rd party is so high imo as to be prohibitive in almost all personal\residential situations. Anyone who has every worked in IT knows that there are a lot of incompetent IT folks and with outsourcing a lot of IT people working for peanuts in 3rd world countries. Does anyone want their data in the hands of some 23 year old in Mumbai making $10 a day?

IT is the only "professional" industry where there is no formal training or educational barrier to entry. Unlike doctors who need a MD degree, lawyers who need to pass the bar exam, engineers that require engineering degrees, anyone can become a programmer whether you have a computer science degree or a degree in English or Art History or Music as was the case with the head of Security for Equifax lol. The industry is full of mid and upper level "managers" that know no more about IT than I do about life in other galaxies lol. Incompetence is rampant imo. Add in the hacking threat from outside and you just want to limit your exposure to such where ever practical and possible imo.
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#10
and.....back to the software that isn't cloud based..........
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for those that hate spelling mistakes www.walmarts.comCool

bulb save money by checking your insurance every 2 years (and not every 20) Thanks Liberty Mutual for reminding me to shop. The $842 increase this year sums it up. Across the board increase for Ohio....whatever
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#11
Gnucash..
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#12
I just d/l gnucash. OMG it's horrid. The account listing doesn't make any sense and it looks like it stopped development 20 years ago. also did not import any of my recurring transactions (schedules).
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#13
Quote from Dr. J
:
I just d/l gnucash. OMG it's horrid. The account listing doesn't make any sense and it looks like it stopped development 20 years ago. also did not import any of my recurring transactions (schedules).

People keep looking for the client based replacement of Quicken and it simply does not exist imo. If one did that was any good, people would have switched years ago given Quicken's little game of having to re-buy the software first every 3 years and now every 1-2 via subscription.
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#14
Former Mac Quicken 2005 user here, I had the same issue. I ended up transitioning to YNAB 4, and then to new YNAB online version. I got tired of the half baked features of YNAB online and bought the subscription version of Quicken Mac. Going on year 3 now of Quicken and I havent looked back since. I was a die hard manual transaction person, but have been converted. I found that the auto transaction download is pretty decent and has saved me a lot of time. If you watch SD, copies of Quicken Deluxe go by for cheap, and I just order them when they are on sale. When you register the code, it just adds the time onto your subscription. Seems like the sale price equates to about 1/3 the previous version that worked for 3 years. My understanding is that the license is that it will work forever with the version you have, you just no longer get software/version updates after the subscription expires.

I tested a lot of financial programs, my biggest issue is that they either use some version of envelope budgeting or have a half baked feature set to Quicken. I do have a few friends who switched to GNUcash and swear by it, but they are only using it as a checkbook register.

Your other option is to create a Windows 7 VM with Vmware workstation or Virtualbox and install your old Q2017 there. If you disable network access to the VM, it will essentially be isolated from the world and work forever.
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