About your Bill Manager issues
My 2cents' worth, if
I don't use Bill Pay
services or Bill Manager at all, neither the one from Quicken nor the one
offered by my bank. Since time "B.I." (before the Internet was
invented) I have set up almost all of my recurring payments as Direct Debit,
PAC Draft, Autopay, APS, whatever the biller calls it. Using the biller's
website, I authorized the biller to electronically debit each payment directly
from my checking or credit card account on due date. Now I can sit back, relax
and wait for it to happen. Instead of
having to arm-wrestle Bill Manager into making payment on time I let the
biller do all the work for me.
When I get notified
of a new statement having arrived, usually by email, all I have to do in
Quicken is to run a regular scheduled reminder to record the transaction.
Haven't missed a payment in many years.
I recommend you do
the same instead of fighting the Bill Manager windmill, missing payments and
getting slapped with penalty interest rates or late fees.