Domain Name Com's Software Microsoft Money Deluxe 2005

Software Microsoft Money Deluxe 2005

Domain Name Com's - Software : Microsoft Money Deluxe 2005

- Excellent upgrade BUT do read fully (esp. 2007 yr.)
I have extensively used 2004 (Premium) and decided to opt for 2005 (Deluxe). We're now in 2007. Many may wonder why (a) I downgraded from Premium to Deluxe (b) Why I didn't buy 2006 or 2007. Here's why:
Premium functionality essentially revolves around providing a more complete tax-saving/calculation work platform. Other than that - deluxe vs. premium are the same. I use online and/or specialized tax products which are almost always free and upto date and available just before the tax-return period. Those I found are better to a huge extent.
Next, post extensive evaluation (thru reviews posted by others, MS itself) I realized that 2006 is essentially a wash-out by MS, in terms of re-packaging the same software with a diff. name. All it did was to address some glitches, etc. in 2005 version. Additionally, patches available today for 2005 already addresses these glitches. Now - 2007 is a diff. ball-game altogether. The problem is that it requires a NEW type of login called LiveID; which I find quite frustrating and un-neccessary. The additional 2 new budget capabilities are very small enhancements to worth the dough. Net effect - I got the 2005 today for USD 9.00 whereas I would have shelled out additional $40.00 if I had purchased 2006 or 2007.

REVIEW OF THE SOFTWARE - Well, it's definitely a BIG, BIG plus to be able to have online and constant updates directly from Money. That's a big plus. Certain banks like BOA charge for that service (9.95) while for others it's free (ex.: Citibank). The number of banks, credit-card companies are EXTENSIVE. Money 2005+ uses Yoddle Inc. for these online services. The general look and feel is also much better than 2004. They removed sub-categories; but there's a patch available (registry entry) which re-introduces it. Quick navigation, speed, etc. are another plus. They also removed MoneyExpress - which was actually a bad thing for me; since I didn't have to open the whole Money to enter in registry. Referring to MS web-site it seems that there were too many complaints and issues (but I personally never faced any).
The portfolio manager has been tremendously revamped and is really powerful. Not upto the capabilities of any dedicated investment software; however those cost also a ton! The budget/report/etc. are un-changed but useful.
MS should seriously start thinking of supporting foreign banks too. That's a big minus for Money 2005(+) and it's the same for all versions.

In terms of bad points - (a) Even after online update, the next day the same transactions re-appear as requiring reconcilliation. That even if I mark them as Cleared/Reconcilled/etc.
(b) Transfer of funds between bank accounts - generally always have a delay (lag-time between debit at 1 account, credit to another). That should be an option to introduct by user. Otherwise, the statements start to mis-match, esp. when online updates. You change the date in 1 - the other gets also affected, etc.
(c) The budgets/etc. when you attempt to build bases itself on avg. monthly income. That's a very, very wrong way since I may be having a standard salary coming in every month but I also have a bonus once an year. If I add that bonus (estimated); what Money does is it breaks that in 12 months immediately and adds to the overall monthly pool. Also, it starts the budget from the date you built the budget. What if I have a special reason to start a budget and follow it (say) from 1st. of March 20xxx. That's not possible.
(d) The insurance types are incomplete (life insurance section).
(e) MSN Bill Pay services take Helluva long time to deliver the draft.

Rating:

- A deception
Not worth it. I nedded support for a country not supported in Money 2004 and saw it listed as available in Money 2005, so I give it a try. Found out the country was not supported and since you can not add currencies in this version, I ended up with a worst fit that the one I had with 2004. Besides, the program is heavier than the previous version so, summarizing, it is not worth the trouble. I just disinstalled it and went back to version 2004.

Rating:

- Microsoft Money Deluxe 20005
This was a great upgrade from my old version. I am now able to automatically be linked to my bank and makes my task more simplified.

Rating:

- Money Deluxe 2005
This program is adequate for simple record - keeping, but if you want to figure out long term gains, and other more complicated procedures, you should buy the more advanced edition.

Rating:

- MS Money
Dear All,

Good product, except I was not aware of the fact tht most US banks charges money for revealing my account information for a charge, I tought it would be free...

Another fact is that I thought I would be able to handle my other country (Indian) accounts from this place altogether which seems to be not is the case. Otherwise good product and cheap, i believe too.
Thanks,
Sanjib

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