Add ability to add 1 or 2 Quicken IDs to Subscription for Security/Privacy (28 Legacy Votes)

Unknown

miklk said:

Up to a point I agree with the subscription model BUT Quicken is different in several ways. The main one is that it deals with finances which requires extra security.  They have opened up a giant security hole by the way they have implemented the subscription. If they were to fix the overlapping features any way they want, I can deal with the one QuickenID limit subscription.

 I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.

You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now! 

If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.

Quicken has always been a subscription product.  You paid to continue downloads, online functions, updates and support every 3 to 3 1/2 years.  Now it's one year, two years or 27 months depending on the plan you select.  

If your subscription expires, you can continue to use Quicken in a manual entry mode (except for Starter Edition).  

splasher

miklk said:

Up to a point I agree with the subscription model BUT Quicken is different in several ways. The main one is that it deals with finances which requires extra security.  They have opened up a giant security hole by the way they have implemented the subscription. If they were to fix the overlapping features any way they want, I can deal with the one QuickenID limit subscription.

 I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.

You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now! 

If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.

@William Boswell

They also shouldn't have abandoned perpetual software.  Not everybody
likes paying for software forever and end up owning nothing if they
stop.

Except for the new restriction which applies only to Starter Edition, what has changed except for the length of support and online banking from pre-2018 versions of Quicken?  It used to be 3 years, now it depends on the length of the subscription purchased.

I think you need to re-read the discontinuation policy: Discontinuation Policy


After you have read it, please enlighten me.

Unknown

miklk said:

Up to a point I agree with the subscription model BUT Quicken is different in several ways. The main one is that it deals with finances which requires extra security.  They have opened up a giant security hole by the way they have implemented the subscription. If they were to fix the overlapping features any way they want, I can deal with the one QuickenID limit subscription.

 I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.

You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now! 

If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.

Since Quicken 2008, Quicken has always had an end of life for online
functions, requiring you to re-purchase to continue with those services.

In fact it is before Quicken 2008.

smayer97

miklk said:

Up to a point I agree with the subscription model BUT Quicken is different in several ways. The main one is that it deals with finances which requires extra security.  They have opened up a giant security hole by the way they have implemented the subscription. If they were to fix the overlapping features any way they want, I can deal with the one QuickenID limit subscription.

 I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.

You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now! 

If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.

@William Boswell, 2018 now allows an unlimited # of installs. The caveat is that all the data files have to be linked to the same Quicken ID. This limits you to having to expose your data to all users of the same ID via Mobile and to only being able to have one Credit score, for examples.

(If you find this reply helpful, please be sure to click "Like", so others will know, thanks.)

Unknown

miklk said:

Up to a point I agree with the subscription model BUT Quicken is different in several ways. The main one is that it deals with finances which requires extra security.  They have opened up a giant security hole by the way they have implemented the subscription. If they were to fix the overlapping features any way they want, I can deal with the one QuickenID limit subscription.

 I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.

You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now! 

If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.

I only need one install and live by myself so I have no worries of others accessing my data.  I also do not put my bank account or investment information in Quicken since I manually add to Quicken and no longer use bank downloads.  I always had problems with that and in most cases (earlier versions) it messed up my manual entries so I stopped using it.

Unknown

miklk said:

Up to a point I agree with the subscription model BUT Quicken is different in several ways. The main one is that it deals with finances which requires extra security.  They have opened up a giant security hole by the way they have implemented the subscription. If they were to fix the overlapping features any way they want, I can deal with the one QuickenID limit subscription.

 I find the mobile exposing my data and requiring me to give login ID and passwords as unacceptable. Even though it is in my household, I do not want to give my passwords out and that should never be required.

You say people want to SYNC their files with the mobile app; I would say that is a feature of the software that they have been building up and I am NOT able to use it at all now! 

If I subscribe to Office or any other subscription, I am able to use all the features and keep our files separate. The other users has the software but not access to my password protected files. My email provider gives multiple emails for same reasons.

QPW, The issue is not end of life because all software has an end of life where they no longer support old software.  Yes it's likely we have to upgrade eventually, but we should be able to do it on our terms not the company's.  Subscription allows upgrades as long as you keep paying.  Once locked into subscription there may not be any option to return to an old version.  Rather than pay forever for a subscription I'll keep using old outdated software until it dies or something better is available.  Right now there is nothing comparable available.  I've tried what's out there and it is all garbage.

Unknown

markus1957 said:

I haven't tried this in my production setup but during testing I created many a Quicken ID for a variety of data files. Is it possible you are confusing product registration with data file association? Each data file used on a registered product can have a unique Quicken ID associated with it. At least that was the case during testing.

I wish software companies would get rid of logging into their software especially if we have no need for an internet connection.  I find it very unnecessary especially when it causes problems.  I know of several companies that require it and now they're all jumping on that bandwagon.  It's just another form of control.

Unknown

markus1957 said:

I haven't tried this in my production setup but during testing I created many a Quicken ID for a variety of data files. Is it possible you are confusing product registration with data file association? Each data file used on a registered product can have a unique Quicken ID associated with it. At least that was the case during testing.

I wish software companies would get rid of logging into their software
especially if we have no need for an internet connection.

Quicken has a lot of need for an Internet connection.  The list goes on and on of how it is being used.

Yes, there is a use case where you don't use the Internet, but let's face probably 90% or more of their customers don't use it that way.

So, in fact that use case (manual entry) is now going to be programmed as the exception not the rule.

Unknown

markus1957 said:

I haven't tried this in my production setup but during testing I created many a Quicken ID for a variety of data files. Is it possible you are confusing product registration with data file association? Each data file used on a registered product can have a unique Quicken ID associated with it. At least that was the case during testing.

I only started doing it manually because some time ago the bank downloads weren't working for me and often wiped out my Memo field.  I like adding what transactions were for because it is very useful later.  Others probably don't even put anything in the Memo field or don't have a use for it.  I use it all of the time and I also split transactions for some items.  I never had much luck with that either with bank downloads.

Unknown

markus1957 said:

I haven't tried this in my production setup but during testing I created many a Quicken ID for a variety of data files. Is it possible you are confusing product registration with data file association? Each data file used on a registered product can have a unique Quicken ID associated with it. At least that was the case during testing.

I did manual entry when I first got Quicken in 1992 because there wasn't any choice.  I kept that up for about two years, but I got tired of bring home my receipts and such.  I didn't start using Quicken again till 1996 when I could do downloading of transactions.  I mostly use accounts where I can set them up with Direct Connect, and for the most part they have been free of problems.  I have a Macy's credit card account that has to be setup Express Web Connect, and I can expect it to give me problems about once every two months, for about a week.  I would drop it, but my wife loves Macy's and the discounts she can get with the card.

I can pretty much say that if I didn't have downloading of transactions, I wouldn't be using Quicken.  And I think that goes for most people.  That is why the "discontinuing of online services" is such a big hammer for getting people to pay for a new version of Quicken, and I believe that will be why most people will eventually just go with the subscription.  In fact it isn't really any different than what old model for paying was.

As for the memo.  Most of my downloads don't have anything in them, but I do have a CostCo/Citi card that puts in the member name as the payee.  I don't like it, but like you said I'm in the group that doesn't really used the memo and as such I just ignore it.

Since these transactions are matched to memorized payees I could override the downloaded memo with one of my own, but unfortunately you can't override it to empty.

Unknown

markus1957 said:

I haven't tried this in my production setup but during testing I created many a Quicken ID for a variety of data files. Is it possible you are confusing product registration with data file association? Each data file used on a registered product can have a unique Quicken ID associated with it. At least that was the case during testing.

I've been using Quicken since the 1980's when it was in DOS format so I'm not a new user.  I usually upgraded each time a new version came out except in 2000 when one of my banks offered similar software.  In more recent years I don't upgrade with every new release because nothing really changes or justifies upgrading unless to fix the bugs that weren't fixed before.

I hate dealing with the receipts too especially when I have a lot of them for one day.  I have about ten different accounts in one Quicken data file.  I had them separated by bank, but that became a problem jumping back and forth to different files.

I only prefer doing it manually so Quicken or the bank don't screw things up which has happened before.  Tracking all of these accounts is a pain for me because with only a couple of accounts I could do it in Excel.  It's just that Excel isn't a good substitute and there's too much work involved in getting it to do what Quicken already does.

Unknown

markus1957 said:

I haven't tried this in my production setup but during testing I created many a Quicken ID for a variety of data files. Is it possible you are confusing product registration with data file association? Each data file used on a registered product can have a unique Quicken ID associated with it. At least that was the case during testing.

In all my adult years of keep track of my finances (since 1975) I have only once found a "mistake" by a financial institution.  And I'm not even sure about that one, and it was for like a couple of dollars, and it was like 20 or 30 years ago.

I have every bill I can on automatic payment from my credit or checking account (prefer credit for the points and the time delay of paying it so I can manage the cash flow easier).  And the credit card is automatic pay from my checking account.  I have been doing that for at least 15 years probably longer.

It is the main reason I have no need for a bill pay system.

And since I'm now basically retired and I have simplified the accounts I use.  I could really just stop using Quicken and check the accounts from time to time online.

Quicken is more of a hobby for me these days than anything else.

Unknown

Just realizing that the 2018 "upgrade" is now just a subscription that I will be forced to pay EVERY year instead of every three years.  How can I ever be certain that this new subscription model will provide better software, when each and every "upgrade" I have purchased in the past has worked worse than the previous version?  The data download has gotten more inconsistent with each and every "upgrade" I have purchased.  

While I understand that the data download service connectivity is why I was forced to "upgrade" every 3 years, but to now essentially force me to "upgrade" EVERY year is just crazy for the price they are asking.  Make it $25 a year and I would probably swallow it, but to charge me $45 every year is just crazy!  

pbug56

Check out the discounts that have been going around through Quicken.com and various etail sights; I was quite angry myself but the price I paid for my subscription did calm me down. 

Unknown

pbug56 said:

Check out the discounts that have been going around through Quicken.com and various etail sights; I was quite angry myself but the price I paid for my subscription did calm me down. 

Yes, it is being offered for 29.99 right now, for one year, but doubtful it will renew at that price.

Unknown

I'm trying to become a quicken customer but looks like it won't be happening. 

My wife and I each want our own credentials to access the same quicken database. That makes sense, doesn't it? That is how our joint bank accounts work. Each of us can go into separate bank branches, present credentials, and perform transactions. We want that same paradigm in our financial tracking software, and we can't seem to find it. Why not? 

I don't understand why this isn't more widely supported/adopted, yet.

Unknown

David said:

I'm trying to become a quicken customer but looks like it won't be happening. 

My wife and I each want our own credentials to access the same quicken database. That makes sense, doesn't it? That is how our joint bank accounts work. Each of us can go into separate bank branches, present credentials, and perform transactions. We want that same paradigm in our financial tracking software, and we can't seem to find it. Why not? 

I don't understand why this isn't more widely supported/adopted, yet.

RickO said >>> both accessing the same database ... what additional security or features does having separate credentials provide ... given that there's no "who did what" tracking in the product?

This discussion is about improvements so I don't think the topic should be debated while looking through today's lens. 

The financial picture of 2+ people is often a mix of individual and joint accounts, privacy, and transparency. It would make sense for financial software to follow the same model. I would like to have my individual accounts, and we [wife & I] should be able to have our joint accounts all under the same software roof, each with our own credentials, each with applicable privacy and transparency. One step further, I would like to get my kid(s) setup, too, so I can monitor their accounts, they can learn to manage money, ... and can grow up to be quicken users on their own subscription.

Tomorrow, there could be a multi-user license version with privacy and permissions settings that enable 2 or more people to have all their financials in one spot; mom/dad, kids, individual & joint accounts, etc... Dad has an account, Mom has an account, m&d have joint accounts, junior has his account - one that m&d can monitor and use for teaching.

Of course, that is a big leap from where Quicken is today but part of buying the subscription is the promise of continuous improvement, and this is the broad use-case which describes what I would like to see from a product like Quicken.

smayer97

David said:

I'm trying to become a quicken customer but looks like it won't be happening. 

My wife and I each want our own credentials to access the same quicken database. That makes sense, doesn't it? That is how our joint bank accounts work. Each of us can go into separate bank branches, present credentials, and perform transactions. We want that same paradigm in our financial tracking software, and we can't seem to find it. Why not? 

I don't understand why this isn't more widely supported/adopted, yet.

@David, I agree with the desire to have multiple users...BUT understand that this thread is actually about being able to have multiple INDEPENDENT FILES under the SAME SUBSCRIPTION...this is not about access to account registers by multiple users with different access levels. 

If I understand you correctly, you are essentially looking for multi-user access with access levels IN THE SAME FILE. If so, that would be a different type of IDEA and should be in a different thread.

Unknown

David said:

I'm trying to become a quicken customer but looks like it won't be happening. 

My wife and I each want our own credentials to access the same quicken database. That makes sense, doesn't it? That is how our joint bank accounts work. Each of us can go into separate bank branches, present credentials, and perform transactions. We want that same paradigm in our financial tracking software, and we can't seem to find it. Why not? 

I don't understand why this isn't more widely supported/adopted, yet.

10-4. Thanks for clearing that up. I'll start a new thread.

Unknown

JANICE REYNOLDS said:

I can understand Quicken's one id per subscription as it stands now.  Perhaps they could provide a "business" subscription that would be priced according to how many id's you could manage.  It isn't fair to Quicken (or any software maker) to provide software that potentially allows a business person to handle multiple id's (customers to the user) even if those id's belong to a family member, however, that doesn't say they couldn't provide different models at different pricing.  

I am running 2017 Premier will probably stay there indefinitely, and I haven't had the credit score since last fall (last update to R15?). I get a more accurate score from my bank anyway. I also do any electronic bill paying through my bank; some automatic payment and some manual. My wife does the same. I can then download all bank transactions into Quicken so there is no need for multiple Quicken log in IDs.

Lysander Spooner

Yes, this is a real problem with the new subscription model. They say you can run Quicken 2018 on as many machines as you want so long as they use the same Quicken ID. So if another family member is prompted for their ID they cannot login if the phone getting the text is not nearby.

smayer97

Be sure to click "FOLLOW" at the top if you want to receive notifications of any updates to this thread. 

This IDEA has also been added to the List of Requests for Data and File Management Features. You may want to click on the underlined link, then follow the instructions to add your vote to more related ideas. Your VOTES matter!

(If you find this reply helpful, please be sure to click "Like", so others will know, thanks.)

smayer97

Lysander Spooner said:

Yes, this is a real problem with the new subscription model. They say you can run Quicken 2018 on as many machines as you want so long as they use the same Quicken ID. So if another family member is prompted for their ID they cannot login if the phone getting the text is not nearby.

Note, this thread is a request for the QWin version...for the QMac version, go here:
Add Multiple Users for Multi-Factor Authentication (MFA)
(as these are being tracked separately, at least for now).

(If you find this reply helpful, please be sure to click "Like", so others will know, thanks.)

Unknown

This reply was created from a merged topic originally titled QWin 2018: Allow Multiple Phone Numbers for MFA Text.


Since MFA cannot be turned off and Quicken data cannot be accessed by multiple users, a Quicken account should be able to add more than one phone number to receive text messages to receive MFA code. That way, if more than one person needs access to the same cloud data on their mobile phones, then they can access it without having to forward the code from one person to the other. Sending the text to multiple phone numbers would also alert every user that someone was trying to access the data.

ohjer01

This reply was created from a merged topic originally titled MFA Codes.


My wife and I are running into this same issue!

Note: This conversation was created from a reply on: QWin 2018: Allow Multiple Phone Numbers for MFA Text.

Unknown

This reply was created from a merged topic originally titled merging.


This reply was created from a merged topic originally titled multi-user access for families and/or joint account holders.My wife and I each want our own credentials to access the same quicken database. That makes sense, doesn't it? That is how our joint bank accounts work. Each of us can go into separate bank branches, present credentials for our joint accounts, and perform transactions. We also have individual, private accounts. We want that same paradigm in our financial tracking software, and we can't seem to find it.  

The financial picture of 2+ people is often a mix of individual and joint accounts, privacy, and transparency. It would make sense for financial software to follow the same model. I would like to have my individual accounts, and we [wife & I] should be able to have our joint accounts all under the same software roof, each with our own credentials, each with applicable privacy and transparency.

One step further, I would like to get my kid(s) setup, too, so I can monitor their accounts, they can learn to manage money, ... and can grow up to be quicken users on their own subscription.

Of course, that is a big leap from where Quicken is today but part of buying the subscription is the promise of continuous improvement, and this is the broad use-case which describes what I would like to see from a product like Quicken. Frankly I'm not sure how we all got to 2018 and online financial giants make joint account holders share credentials.

Please consider,
David

Note: This conversation was created from a reply on: Add ability to add 1 or 2 Quicken IDs to Subscription (Q2018) for security and pr....

Unknown

This reply was created from a merged topic originally titled merging.


The problem with what you are proposing is that with a subscription model, only one ID and one password verifies that the subscription is active.

And again, if multiple ID's and passwords could be used for one subscription, then there is no deterrent from multiple users outside of a household to be able to use Quicken...thus resulting in bogus copies sold or downloaded from nefarious sources, resulting in loss of revenue from Quicken.  

I understand Quicken's methodology with one ID/one password per one subscription.  It's inconvenient for some users...but the reasoning is there.

Note: This conversation was created from a reply on: Add ability to add 1 or 2 Quicken IDs to Subscription (Q2018) for security and pr....

Unknown

David said:

I'm trying to become a quicken customer but looks like it won't be happening. 

My wife and I each want our own credentials to access the same quicken database. That makes sense, doesn't it? That is how our joint bank accounts work. Each of us can go into separate bank branches, present credentials, and perform transactions. We want that same paradigm in our financial tracking software, and we can't seem to find it. Why not? 

I don't understand why this isn't more widely supported/adopted, yet.

Well, after having started my own thread, Sarah Quicken (I think) merged my new thread into this thread. I don't know why but merging it back into here makes me think it is a misunderstood concept. 

Unknown

David said:

This reply was created from a merged topic originally titled merging.


This reply was created from a merged topic originally titled multi-user access for families and/or joint account holders.My wife and I each want our own credentials to access the same quicken database. That makes sense, doesn't it? That is how our joint bank accounts work. Each of us can go into separate bank branches, present credentials for our joint accounts, and perform transactions. We also have individual, private accounts. We want that same paradigm in our financial tracking software, and we can't seem to find it.  

The financial picture of 2+ people is often a mix of individual and joint accounts, privacy, and transparency. It would make sense for financial software to follow the same model. I would like to have my individual accounts, and we [wife & I] should be able to have our joint accounts all under the same software roof, each with our own credentials, each with applicable privacy and transparency.

One step further, I would like to get my kid(s) setup, too, so I can monitor their accounts, they can learn to manage money, ... and can grow up to be quicken users on their own subscription.

Of course, that is a big leap from where Quicken is today but part of buying the subscription is the promise of continuous improvement, and this is the broad use-case which describes what I would like to see from a product like Quicken. Frankly I'm not sure how we all got to 2018 and online financial giants make joint account holders share credentials.

Please consider,
David

Note: This conversation was created from a reply on: Add ability to add 1 or 2 Quicken IDs to Subscription (Q2018) for security and pr....

You’re definitely asking for something different than this thread. And something I think will never happen in personal finance software. It’s personal. This is a very complex level of permissions management that is such an edge case that I don’t think it’s going to get implemented. (Look at this thread; we can’t even get Quicken to provide the same level of behavior we had a year ago.)


I understand why you might need this. But 99% of users would never configure these permissions. Most users will either be like me—total transparency to everything financial picture—or have separate Quicken data files.

mshiggins

David said:

This reply was created from a merged topic originally titled merging.


This reply was created from a merged topic originally titled multi-user access for families and/or joint account holders.My wife and I each want our own credentials to access the same quicken database. That makes sense, doesn't it? That is how our joint bank accounts work. Each of us can go into separate bank branches, present credentials for our joint accounts, and perform transactions. We also have individual, private accounts. We want that same paradigm in our financial tracking software, and we can't seem to find it.  

The financial picture of 2+ people is often a mix of individual and joint accounts, privacy, and transparency. It would make sense for financial software to follow the same model. I would like to have my individual accounts, and we [wife & I] should be able to have our joint accounts all under the same software roof, each with our own credentials, each with applicable privacy and transparency.

One step further, I would like to get my kid(s) setup, too, so I can monitor their accounts, they can learn to manage money, ... and can grow up to be quicken users on their own subscription.

Of course, that is a big leap from where Quicken is today but part of buying the subscription is the promise of continuous improvement, and this is the broad use-case which describes what I would like to see from a product like Quicken. Frankly I'm not sure how we all got to 2018 and online financial giants make joint account holders share credentials.

Please consider,
David

Note: This conversation was created from a reply on: Add ability to add 1 or 2 Quicken IDs to Subscription (Q2018) for security and pr....

The moderators - wrongly or rightly - deemed the request to be the same as the topic of this thread.