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I am also a long time Quicken user. I don't trust them or anyone with my personal data so I don't use the online services. Their current privacy policy may be fine but companies have suddenly changed it before and there is nothing you can do about it when they have your data on their server. I'd rather pay the $25 and have the data on my own media.
I also see no reason to upgrade every year. I don't upgrade it until it looks like they have made significant improvements for what I use.
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