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Quicken 2011 Review and Giveaway

This article was written by in Giveaways, Reviews, Software. 215 comments.


Are you looking for the latest version of Quicken? Here is my review of the newest version, Quicken 2013. Downloads of Quicken 2013 are available today.

I’ve been using Quicken for six years, and I have eight years’ worth of financial data in my files.

I had the opportunity to take the beta version of Quicken 2011 Premier for a test drive. After uninstalling my current version (2010 Home & Business) and installing the new version, it took less than two minutes to convert my data file from 2010 to 2011. Some of the business-related features are not available in the Premier flavor of the software, so if I decide to keep the upgrade, I would take the opportunity to “unlock” the Home & Business features. To be careful, I converted a copy of my regular data file rather than the “real” Quicken 2010 data. This will let me return to Quicken 2010 and consider buying the new version at a later date.

First impressions

I was surprised to see that the new version of Quicken now supports Direct Connect functionality with more of my banks. It looks like Quicken is using some of Mint’s technology acquired to increase compatibility with more financial institutions.

One great improvement that I’ve been waiting for since I first started using Quicken pertains to the interface. Quicken users have become accustomed to register screens that update slowly, particularly in investment accounts with a large number of holdings or transactions. My 401(k) falls into this category. I’m happy to report that there are no longer any delays in the register screen. The interface has been streamlined in addition to the increased speed. The account information for investment accounts is the biggest example of this. In Quicken 2010, each screen offered far too many navigation options.

The “Spending” and “Income” overview pages have been improved as well. I have about 60 active accounts in Quicken. Prior to 2011, the cash flow overview pages have not been close to accurate, and that could be due to the complexity of my data and I may even have some accounts categorized incorrectly. However, the new version seems to track my real spending and income much more accurately.

Here is my spending screen, with some of the numbers obscured with PhotoShop.

One of the more interesting features is a register view that presents all your transactions on one page. By default, this view lists each transaction across all your accounts, but you can customize the options to display each account type individually, such as only asset accounts, only checking accounts, or only liabilities. You can also customize this view.

Here’s what my net worth overview page looks like in Quicken 2011. Click on this image to zoom in.

Should I upgrade?

Here is the bottom line. If it’s been several years since you’ve upgraded Quicken, or if you’ve never owned Quicken and you’d like a powerful piece of software for managing your personal finances when free options like Mint are not enough for you, then Quicken 2011 is an obvious choice. If you are happy with a recent version of Quicken on your desktop, you might not want to pay for the upgrade. (You could win a copy for free; keep reading this article to find out how.)

Consider, however, that as far as yearly incremental upgrades go, this is the best annual improvement I’ve seen in Quicken for a long time.

Latest prices for Quicken 2011

EditionPurchase
Quicken Home and Business 2013Buy CD-ROM $84.99Download $84.99
Quicken Premier 2013Buy CD-ROM $79.99Download $79.99
Quicken Deluxe 2013Buy CD-ROM $54.99Download $54.99
Quicken Starter Edition 2013Buy CD-ROM $39.95Download $39.95
Quicken Rental Property Manager 2013Buy CD-ROM $159.99Download $159.99
Quicken WillMaker Plus 2013Buy CD-ROM $48.48Download $69.99
Quicken Essentials for Mac 2010Buy CD-ROM $32.67n/a
Mint.com

Quicken 2011 giveaway

Note: this giveaway is now closed.

I am giving away four copies of Quicken 2011 Premier. Here is how you can win one of these copies. Each of the following will provide you with one chance to win, so you have a maximum of three chances. I was originally planning to give away two copies of Quicken 2011 Premier but Intuit has agreed to chip in two copies at their expense as well. Your chances for winning have just doubled!

Pls RT! Win a copy of Quicken 2011 from @luke_landes! http://t.co/shu1Yms

You must be over 18 years old and must have an address in the United States in order to qualify. The winners will be chosen using the random number generator at random.org. Thanks and good luck! The giveaway will end Thursday night, October 14, 2010, at 11:59 pm.

You can have even more opportunities to get Quicken 2011 for free! Investor Junkie is offering a 1 in 100 chance to win. Read his review for another opinion about Quicken 2011 from the pre-release version.

Intuit provided Consumerism Commentary with a copy of the beta version of Quicken 2011 Premier prior to this review and giveaway but have had no influence on the content of this review or form of this giveaway. Of the four copies of Quicken 2011 Premier, Intuit is providing two to give away to Consumerism Commentary readers. The others will be given away at our own expense.

Updated October 4, 2012 and originally published October 7, 2010. If you enjoyed this article, subscribe to the RSS feed or receive daily emails. Follow @ConsumerismComm on Twitter and visit our Facebook page for more updates.

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About the author

Luke Landes is the founder of Consumerism Commentary. He has been blogging and writing for the internet since 1995 and has been building online communities since 1991. Find out more about Luke Landes and follow him on Twitter. View all articles by .

{ 215 comments }

avatar Dana

Thanks so much for this review – we are long time users of Quicken (10+ years now) and wondered what was in the newest version. Haven’t upgraded since 2007 so might consider upgrading to this version!

avatar cg

The new version of Quicken sounds great. I’m currently using the 2010 Premier edition, and you’re right, the screens load slowly and there’s some “weirdness” in categorizing that shows up in overviews and reports. Would love to try the new version!

avatar DivorcingDebt

I don’t own financial tracking software, been using Excel and Mint. Would love to win the new version!

avatar Mike

I would love to start using Quicken

avatar EmilyLauren

Sounds excellent, I’d love to try it out!
Plus, the 15th is my birthday… so it would be like a present!

avatar Sarah

I’ve been interested in trying out Quicken, but just couldn’t justify shelling out the money for it when a simple spreadsheet has worked well enough. I’d love to be able to get a copy for free!

avatar Brian

Have skipped the last few years of Quicken upgrades, maybe time for a change.

avatar Crabhands

Would like to try something more powerful than Mint.com.
Thanks for running the contest.

avatar Nate

I would love Quicken. Currently using Yodlee

avatar Mike

Would love to get the new Quicken to help my fiancé and I get our budgets put together for the wedding, Thanks!

avatar bb

I am planning to finally jump from Microsoft Money to Quicken.

avatar Susan

I love Quicken! Would love to have it to help manage my family’s finances (Between all of us, we have over 60+ accounts!).

avatar Munish Gupta

Had to switch to Quicken after years of using Money. Would love to try the new version out.

avatar Tim

I believe it was Quicken 2010 that combined the underlying data file with the attachments file (i.e., those receipts you can scan and attach to a transaction). My attachments file is huge, and I was hoping Quicken would offer new functionality in 2011 to delete attachments after a certain period set by a user, such as two years. Otherwise, the file size can become tremendous. That said, I really like the attachments option, as I’ve used it on more than one occasion to find a receipt that had otherwise been thrown out, and I was able to obtain warranty replacement/work due to having a copy of the receipt. It sure beats a shoebox full of old receipts.

avatar Greg

I would love to get a copy of Quicken.

avatar Sample

I use Mint and have been interested in other tools such as Quicken but as I work on my budget and debt elimination it’s been too rich for my budget!

I RT Twitter as well so count me in for 2 and thanks for the review.

avatar Steve

I used to keep all my data in Money. In retrospect it was surprising to me how slow it was – a bunch of flashy UI that took a long time to load/run, but without that much functionality behind it.

I RT’d on Twitter so count me in for 2 as well.

avatar Kevin

Sweet Review – looking forward to the free copy that you are going to give me :-)

avatar Jim

Still using Microsoft Money and am looking to upgrade :)

avatar Tuxster

As a person that crossed-over when Microsoft Money was discontinued, I’m certainly looking forward to Quicken 2011. Clearly having it free would even be better :)

avatar Sam

I have been using Mint for some time now, but I haven’t imported all the accounts. Would love to have the new quicken.

avatar Stephen Byrd

No doubt the likelihood of me winning is pretty small … but it sounds like Quicken 2011 is a pretty nice upgrade. Not, I suspect, nice enough to cause me to *pay* to upgrade from Quicken 2010, but a free copy would work quite well.
Does Quicken 2011 still prevent you from doing anything while it’s downloading new transactions? That’s probably my biggest annoyance with Quicken … I’d really like to be able to look at various reports and work on accounts while others are updating.

avatar Luke Landes ♦127,535 (Platinum)

Unfortunately, downloading your data still prevents other activities in Quicken, but you can use the external scheduler to schedule daily downloads at a tome you don’t expect to be in Quicken. They have created a new feature that will download stock quotes in the background every 15 minutes.

avatar JimT

Actually, I’ve found that you CAN do other things while downloading in the 2010 versions like accepting transactions. I have been a Quicken user for over 20 years from the old DOS days. 2010 was a worthwhile upgrade for me because of 1)Single data file, 2)Speedier download of transactions, and 3)Increased stability.

Unfortunately, the interface up until 2010 hasn’t evolved much in recent years. From your review, it seems as if they are starting to incorporate Mint-like features and further performance enhancements into the product.

Although I typically only upgrade every 2 to 3 years because financially it didn’t make sense to pay for small incremental feature upgrades and bug fixes, I would love the opportunity to win a copy to take 2011 out for a spin.

Thanks for the review!

avatar Francis

Thanks for the review. Current Quicken owner and love the software. Looking forward to the upgrade. Have they fixed the bug with the subcategories not being added into the main categories when it comes to budgeting? I know they work on the reports, but would love it to work with the budget on the main page.

avatar Ben

Thanks for the review and the chance to win. I liked Consumerism Commentary on facebook, fyi. I also tweeted, but I protect my tweets, so there’s no good way for you to see that.

avatar TakeitEZ ♦549 (Dime)

Great review! I hope I can get lucky and get a free copy. One Time!! lol

avatar Carson

Great review, sign me up!

avatar Greg Lundblad

I haven’t upgraded Quicken in a couple of years, so this might be the time to upgrade.

avatar Michael

Sign me up, I hope Quicken will keep making more significant upgrades…

avatar Dan

do you know what the security implications are of having your bank information in quicken? I’m nervous about signing up for mint, because they have access to my accounts.
I’ve read the security and privacy stuff, and am not confident that someone breaking into their servers would be blocked from getting accounts and $$..

Thanks for the review.

Dan

avatar Luke Landes ♦127,535 (Platinum)

Neither Mint nor Quicken’s servers store your banking passwords. I don’t think there’s much to worry about. Even if someone is somehow able to access your bank accounts through Quicken’s connection, and that is highly unlikely, or manages to access your Mint account, it’s a one-way read only connection. I am not a security expert, but I’ve had enough conversations over the years with the Mint and Quicken teams to be confident that using either software is more secure than using a credit card in person or walking up to an ATM.

avatar Tom Pugh

Neither Mint nor Quicken servers store the password, but they contract with Yodlee to store the passwords there. If there is a breach at Yodlee then credentials will be compromised. Given the lack of protections and rights that people have on brokerage accounts, I would never give anyone my login information to my brokerage or 401k accounts.

Bank accounts and credit card accounts are a bit different as they are checked more frequently and there are some more protections (although they may claim no liability if they find you gave out your password). Also I have less money in these accounts so I am a little less concerned. Still, I am only willing to store these in Quicken where in prior versions the password was communicated only between the Quicken software and the financial institution.

I have no doubt about the extensive security between Mint / Quicken / Yodlee. The chances are very remote that it would be compromised, and I agree that the solution is likely more secure than using a credit card or an atm (which are not very secure). It would never be worth the chance of having my life savings cleaned out to enable better tracking.

There are solutions to this problem that they could create that I would be more comfortable with. For instance, if you could create read only credentials for your financial institution and give those to Quicken. At that time, I would be comfortable.

Thank you for the review on Quicken 2011, I have been using Quicken for years and have found it to be a great tool. The Mint integration is a concern to me though.

avatar Mark

I’m a new user to Quicken 2010. I used MS Money for years and loved it. I am having more trouble than I thought in adjusting to the switch. Maybe Quicken 2011 has the improvements I’m looking for. The above review sure seems positive.

avatar Arun

Would love to win a copy. I have been using Quicken for the last 16 years. All my working life financial history is captured in Quicken. Thanks.

avatar Rick Casey

I’ve used Quicken after MS Money had expired and it’s been an okay experience. There are some issues with using it on Netbooks as the vertical resolution of these devices has issue with some of the non-resizable dialogs in the product. I’ll look forward to upgrading if it fixes these issues.

avatar jnwcmr

Thanks for the review. I’ve used Quicken since v2.0 for Windows! (circa 1993). Currently on Q2010. A free upgrade would be nice

avatar Jim Price

I’ve been using Quicken since eary 1990s. Could not get along without it. Your comments on Quicken 2011 surely sound great. I am using 2010 Home and Business and like it but don’t really need all that’s in the package.
Thanks for your review.
Jim Price
Retired U.S.Navy

avatar Dr H Daghestani

I have used Quicken for the past 14 years and won’t be without it.
The last version will be wonderful to have.

avatar John

I also use Quicken Home and Business 2010 and noticed that when I import portfolio prices manually from a file the screen doesn’t refresh only after restarting Quicken. Ironically, this problem doesn’t occur when downloading quotes from Quicken. In previous versions this wasn’t an issue; I hope in the 2011 issue this has been resolved.

I also shared this review with my friends on facebook. Many also appeared to be interested in the new version and are looking forward to the release.

avatar The Latter-day Saver ♦706 (Dime)

Pick me. Pick me. Randomly pick me!

avatar ib

i don’t have tracking software, but always wonder if it just might help me. (=
thank you for the opportunity.

avatar Robert

I have been using Quicken Home and Business 2010, and it is really slow with my accounts as well. I’m glad to hear that they have improved the speed and functionality of having many accounts. I look forward to upgrading my software!

avatar Faisal Ahmed

I have been using Quicken from 1999 and waiting for a few features to be included. One of them is to attach your current property/asset value automatically to your loan account. For example, Quicken should be update the recent value of your car from 3rd party website Edmunds.com or Kelly Blue Book site. Same thing applies to your home which could be updated from Zillow.com. Now one have to update the value manually.

avatar Brian Casey

Nice review. I have Quicken 2009 and will likely upgrade to 2011.

avatar Carli

I’m using Premier 2010 and I like it very much, but I do wish it connected to each of my banking accounts. I’m looking forward to the release of 2011!

avatar Dave_N

Nice review, I have 2 credit unions that work with Mint but not Quicken, it will be interesting to try.

avatar Ian

I am a UK resident and have been using quicken since 1996. I have spent the last three years attempting to upgrade my quicken 2000 data to a more up to date version of quicken. Unfortunately having bought both quicken 2007 and quicken 2010 they both automatically upgrade and change all the accounts into US Dollars (fine if you are a US resident and that is your currency – not much help to me). Finally today after 3 hours on the phone to quicken support in India a quicken supervisor admitted today that this had been a long term problem with all recent versions of quicken. I have tried selecting multi currencies and choosing £ Sterling as mI am a UK resident and have been using quicken since 1996. I have spent the last three years attempting to upgrade my quicken 2000 data to a more up to date version of quicken. Unfortunately having bought both quicken 2007 and quicken 2010 they both automatically upgrade and change all the accounts into US Dollars (fine if you are a US resident and that is your currency – not much help to me). Finally today after 3 hours on the phone to quicken support in India a quicken supervisor admitted today that this had been a long term problem with all recent versions of quicken. I have tried selecting multi currencies and choosing £ Sterling as my home currency but to no avail. I have tried creating new accounts and copying the data across which works for most of it but you loose all your transfers. Does anyone have any suggestions as to how to solve this. I would like to remain a quicken user BUT when windows xp ends so will Quicken 2000. Also I would like to update my software to enjoy some of the benefits of more recent edtions. Does Quicken 2011 help on this or is it just the same? Can you help?

avatar Eric

I have used old version of Quicken before. However, the manual updating accounts takes a lot of effort even if using qfx. Sounds like the new version solved a lot of those problems.

avatar Jeff

Interested to see how this version stacks up against 2009 Premier.

avatar Cassandra

I tweeted. I just bought a house and having Quicken 2011 would be a great help to me right now.

avatar Robert Yates

Hi,

I have been using Quicken sinse 1991 I upgrade every year I currently have Quicken rental property 2010. I will upgrade to 2011 it would be nice to get it free.

avatar Bill

Thanks for the contest,

avatar Jackie Walters

Flexo,

Great article. I’m still using my 2003 Quicken Deluxe version. Maybe it’s time to upgrade to Quicken 2011.

avatar Jackie Walters

Facebook and Twitter mention as well.

avatar K Gould

Love my Quicken. Am on 2010 and probably own’t upgrade…but would love a shot at a free copy :)

avatar Ryan

Hope to win a new copy. Either way I’m upgrading!

avatar Nandan

Hope to get lucky with the giveaway :)

avatar Michael

It is good to see some changes such as more direct connectivity to banks. For the last few years, it has pretty much been the same software packaged with one or two new gimmicks.

avatar Kjell

I’m eager to try out Q2011! Hoping I’ll be lucky in the draw. :o)

avatar Daniel Kramer

Thank you for this wonderful commentary. It is great to hear that this is an upgrade which I should consider. Devoted Quicken user for 8 years and update every year. I found your post very helpful. I do not know how to upgrade and protect my 2010 data like you did (so that you could go back) but I will still upgrade when the time comes.

avatar Michele

Great article! Actually showing the graphics gives a good idea of how easy the program is to use! And the giveaway really shows how many people really read your articles and are interested. Nice work

avatar Melissa

I would love to win a copy of 2011!

avatar Becca

I would love to try out Quicken 2011. Thanks for the offer.

avatar Ron Shelton

Thanks for a great review

You have well stated some of my concerns about page response/refresh with quicken. I have been a user since the late 90′s on a much less grand scale than yours. Often I have tried MS-Money and always go back to Quicken.

I have been fortunate to always have a copy of Home and Business, although I don’t need that much!

Keep up the good work!

May I can win!

Ron

avatar Dave

I’ve been a quicken users for years and I was hoping the acquisition of Mint.com would mean that we would get an android/Iphone app to integrate this years version of Quicken 2011, similar to the now ended Pocket Quicken. I tried switching to Mint because my family uses their smartphones more than computers but Mint is just not detailed enough.

avatar Annika

I tried Mint, but I didn’t really like the user interface, and there weren’t nearly as many options and tools for analyzing activity. I’ve been meaning to get around to looking at other options, and Quicken looks fairly straightforward, and easy to customize.

avatar Sam Biller

Thanks for the early look at Quicken 2011. I’m a Premiere 2010 user and usually upgrade every other year or after the price drops significantly towards the mid-point of the current cycle.

avatar dan teater

very well written, i have been so torn about whether to buy the 2010 or 2011 versions, and my wife is reluctant to use free online based programs like mint, for whatever reasons.

avatar Tony

I currently use Quicken Premier 2009. I would love to upgrade to Quicken Premier 2011.

Thanks

avatar Mike

I use Quicken 2008, but I think this might be the year I upgrade.

avatar Kevin Scheibe

I’ve been using quicken for over 15 years. Usually I skip version, but would love a free one.

avatar Duane Bickham

Does Quicken 2011 allow for simple envelope budgeting? I update every year, hoping they add this feature.

avatar Neil

I haven’t used Quicken in many years, but with Money now officially dead, this appears to be the best full-service software out there. I’d love to have a free copy!

avatar Joe

Thanks. Has the one step update time been improved from the 2010 version?

avatar Jonathan

I am still using 2008. Perhaps time to upgrade

avatar Chris

Thanks for the review. Maybe it’s time to upgrade.

avatar Mark Torpey

Great insight into Quicken 2011. I have been using version 2009 with some issues on a 64 bit Vista machine. I just received a new Windows 7 and am looking forward to switching to Q 2011 when released.

Has anyone noticed that more banks are requesting additional security questions which hampers the One Step Update?

avatar Mark Torpey

Has anyone had Quicken 2009 freeze on a 64-bit machine after One-Step Update? Attempting any functions after Update, leads to extreme slowdown and eventual C++ Runtime Error message. I have been told that this might be due to a corrupted .net file. I know I can’t be the only one. I’ve tried unistalling and reinstalling, validating and super validating the files and find no errors.

avatar Dapper_Don

Awesome!

avatar James Taylor

This was a great review. I’m looking forward to seeing how Intuit’s acquisition of Mint has improved their Quicken product, which I’ve been using for over 10 years. I’ve shared this review on Facebook!

avatar Steph Reed

Looking forward to the new release since my Quicken 2007 has been cut off-impossible to even reload the old version. I’ve been a fan of this product for 25 years, and while I have transcended my business clients to the more sophisticated Intuit product with Quickbooks, I still use (or did until my computer upgrade) Quicken for my home finances. Sign me up for a free copy! It would truly make my day.

avatar Lincoln Farnum

I used to love Quicken but fell out when banks started offering online banking. I’d love to experiment about using them again.

avatar Kevin M. Mac Donnell

I had held off buying the Quicken 2010 software as I had read a number of bad reviews about it. As a result, I am months behind attending to my accounts and financial data in my Quicken 2007 software. Frankly, I was finding Intuit to be woefully inattentive to addressing seemingly simple inadequacies with their product as well as lacking in the ability to track common financial products, such as home equity lines of credit. I realize that Quicken can’t do everything but it should do the simple things without any glitches. Glitches such as having to reinput stock prices in a list of stocks because the software blanks the next line’s entry for no reason at all when one needed to update one line of a stock’s price! Then it would blank the price in the next entry, etc., etc. as you reentered the blanked out information. That simple glitch occurred over numerous updates of the software and should have been addressed with the next version. Anyway, I wasn’t aware that Quicken 2011 was coming out in the next few days so I was glad to see some positive remarks about the new product on your website. It now becomes a matter of upgrading to Quicken 2011 or continuing to enjoy the freedom from having to devote time to an increasingly frustrating product. A product that was supposed to make one’s financial life easier but had become an enormously time-consuming exercise in frustration. I do hope that Intuit has once again devoted itself to producing what was an excellent product. Thank you for the review.

avatar renae nowicki

amen

avatar OrchidGirl ♦16 (Newbie)

I need to replace Microsoft Money. Sounds like Quicken might be a good option.

avatar Guni

I love Quicken. Using 2010 now. I wouldn’t be able to manage all of my financial obligations without it!

avatar Joshua

excellent review – gives me reason to upgrade when 2011 comes out.

avatar Arthur Orcutt

Hi
I would love a chance to get a copy of Quicken 2011. i have been a faithful user of Quicken for over 20 years, and I am currently using Quicken 2009, so I am close to the end of life on that version. I am also having problems with my version on windows 7 which I hope are resolved in the 2011 version.

Thanks

avatar Lynda

I’m in need of an update…and a birthday present.

avatar TMSanger

Thanks for the review. I have been using Quicken for over 15 years. I love it They have made great improvements over the years. However lately their year to year improvements have been subtle and they have had too many bugs in their initial releases. It sounds like this one is much better. Inwill have to check it out. I would also love a free copy.

avatar TMSanger

I also mentioned this on Facebook and Twitter!

avatar renae nowicki

Hi–would love to be a winner of quicken 2011. currently using 2009, which crashes nearly monthly. liked your article. makes me want to give quicken another chance…

avatar Charles Cristiano

Been there – done that with Quicken for over 10 years. Have seen and experienced both the good and bad versions. Presently using 2010 PC version with no major issues. Thanks for your review of the 2011 version :)

avatar Kay Lynn Akers

I’ve been thinking about Quicken now that Microsoft no longer updates Money. It would be great to win!

avatar Brian

Thanks for the review. Has an improvements been made to update categories for all transactions. I have 15 years of data and re-categorizing is not easy.

avatar RT

pick me pick me!

avatar SLM

Thank you for the review. I’d be interested to hear more details about the benefits of Quicken vs. Mint.com. I currently use Mint, but have had problems with it mis-categorizing by purchases and with errors in my account updates. There are still a few accounts that I have still yet to be able to link to Mint. Thanks again!

avatar Woody C

Looking forward to seeing some of the new features in Quicken 2011. I am still using an older version and this looks like the year to upgrade!

avatar DogMan

Been using Quicken since the days of Charles Givens – how about a free copy?

avatar Mike

Excellent review. Will strongly consider upgrading to V11.

avatar VW

Thanks for the review. Wasn’t too impressed with mint.com as a complete replacement for Quicken, but it sounds good if some of the better aspects of mint appear in Quicken.

avatar GC

Thank you for the review. I am an abandoned Microsoft Money user making the leap to Quicken.

avatar Jerry Frantzen

Additional banks might make it worthwhile.

avatar Mike Bingham

Great, succinct article. Very helpful for those of us Quicken users, who were on the fence!

avatar Dean Taylor

I just took over the book for our company and I am looking forward to using the reporting aspect. I believe this is going to help a lot. We have always used Quickbooks but not to its full potential.

avatar Bruce Mc

Great post. I am adding this to my weekliy review.
Thanks.
Also, I’d be interested to hear more details about the benefits of Quicken vs. Mint.

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