Quicken 2009 Deluxe vs. Premier

Posted by Gary on November 13, 2008, 2:12 pm

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Could someone please explain the difference between these two versions?
What do I give up by using Deluxe vs. Premier?

I am an investor and always thought I needed Premier instead of Deluxe
because of that. Now I'm not so sure.

Posted by danbrown on November 13, 2008, 4:46 pm

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> Could someone please explain the difference between these two versions?

> =A0What do I give up by using Deluxe vs. Premier?

> I am an investor and always thought I needed Premier instead of Deluxe

> because of that. =A0Now I'm not so sure.

Why are you unsure? According to Intuit's website,
http://quicken.intuit.com/compare_products.jsp, Deluxe does NOT
support monitoring your investments.

db

Posted by Oilcan on November 13, 2008, 5:03 pm

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It is pretty clear on what you give up on the Website, but I wouldn't
necessary consider generating Tax Schedules "monitoring" as taxes are
after the fact.

Even with that said, you are giving up mostly planning features. You
probably have access to most of this information elsewhere - such as
your broker. If you are planning to update, you might consider trying
the Deluxe version and see if serves your needs. If you miss some of
the items that were available in the Premier version, you can unlock
those features "Add more Investing and Tax tools" from the Help Menu for
an additional fee (should just be the difference between Deluxe and
Premium).

I have brokerage accounts, IRA's, 401(k)'s within my version. I never
used the planning tools and did not think they were worth the additional
$30 so I downgraded to Deluxe when upgrade from 2008 to 2009. Been
running it for 2 1/2 months now and do not miss anything.

Oilcan

-----Original Message-----
From: danbrown [mailto:db37215@yahoo.com]
Posted At: Thursday, November 13, 2008 1:46 PM
Posted To: alt.comp.software.financial.quicken
Conversation: Quicken 2009 Deluxe vs. Premier
Subject: Re: Quicken 2009 Deluxe vs. Premier

> Could someone please explain the difference between these two

versions?

> What do I give up by using Deluxe vs. Premier?

> I am an investor and always thought I needed Premier instead of Deluxe

> because of that. Now I'm not so sure.

Why are you unsure? According to Intuit's website,
http://quicken.intuit.com/compare_products.jsp, Deluxe does NOT
support monitoring your investments.

db

Posted by JM on November 13, 2008, 6:02 pm

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> It is pretty clear on what you give up on the Website, but I wouldn't

> necessary consider generating Tax Schedules "monitoring" as taxes are

> after the fact.

> Even with that said, you are giving up mostly planning features. =A0You

> probably have access to most of this information elsewhere - such as

> your broker. =A0If you are planning to update, you might consider trying

> the Deluxe version and see if serves your needs. =A0If you miss some of

> the items that were available in the Premier version, you can unlock

> those features "Add more Investing and Tax tools" from the Help Menu for

> an additional fee (should just be the difference between Deluxe and

> Premium).

> I have brokerage accounts, IRA's, 401(k)'s within my version. =A0I never

> used the planning tools and did not think they were worth the additional

> $30 so I downgraded to Deluxe when upgrade from 2008 to 2009. =A0Been

> running it for 2 1/2 months now and do not miss anything.

> Oilcan

> -----Original Message-----

> From: danbrown [mailto:db37...@yahoo.com]

> Posted At: Thursday, November 13, 2008 1:46 PM

> Posted To: alt.comp.software.financial.quicken

> Conversation: Quicken 2009 Deluxe vs. Premier

> Subject: Re: Quicken 2009 Deluxe vs. Premier

> > Could someone please explain the difference between these two

> versions?

> > =A0What do I give up by using Deluxe vs. Premier?

> > I am an investor and always thought I needed Premier instead of Deluxe

> > because of that. =A0Now I'm not so sure.

> Why are you unsure? =A0According to Intuit's website,http://quicken.intui=

t.com/compare_products.jsp, Deluxe does NOT

> support monitoring your investments.

> db- Hide quoted text -

> - Show quoted text -

I fully support Oilcan's proposal to try Deluxe and then see if you
think you need to upgrade.

My impression is that the difference between Deluxe and Premier is in
the addition of socalled "analyses" tools. Deluxe fully meets my
definition of "monitoring" my investment accounts.

As to tax reports, all of the available tax info is presented in the
Tax Schedule and Capital Gains Reports. The various schedules are
nothing more than a customized rearrangement of this same info.

IMHO, the comparison charts provided by Intuit/Quicken are largely
marketing hype - written by the sales department with intent of
enticing the user/buyer to buy the "higher" versions where the margins
are likely higher.

I would still be using the Basic version if they hadn't
discontinued.it - I "monitored" my investments just fine without all
of the "bells & whistles" that I did not find useful for my purposes.
When needed, I take my data to Excel to massage in my own fashion.

Posted by John Pollard on November 13, 2008, 9:12 pm

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JM wrote:

I almost always avoid these discussions. Maybe I'll wish I
avoided this one too.

> I fully support Oilcan's proposal to try Deluxe and then see

> if you

> think you need to upgrade.

So do I.

> My impression is that the difference between Deluxe and

> Premier is in

> the addition of socalled "analyses" tools. Deluxe fully meets

> my

> definition of "monitoring" my investment accounts.

I agree.

> As to tax reports, all of the available tax info is presented

> in the

> Tax Schedule and Capital Gains Reports. The various schedules

> are

> nothing more than a customized rearrangement of this same

> info.

> IMHO, the comparison charts provided by Intuit/Quicken are

> largely

> marketing hype - written by the sales department with intent

> of

> enticing the user/buyer to buy the "higher" versions where the

> margins

> are likely higher.

See below.

> I would still be using the Basic version if they hadn't

> discontinued.it - I "monitored" my investments just fine

> without all

> of the "bells & whistles" that I did not find useful for my

> purposes.

> When needed, I take my data to Excel to massage in my own

> fashion.

I have one disagreement with your overall evaluation: relating
to the "marketing hype" as it pertains to ALL the Quicken
"levels", and to the old Basic version, compared to all the
Quicken "levels".

In my observation, the only (relatively) meaningless difference
between Quicken "levels" is that between Deluxe and Premier (and
I am even now hoping I haven't forgotten ALL the differences
between those two Quicken "levels"). I grant that is the
difference being discussed here; and I do not intend my remarks
to affect the advice to the op.

But the difference between Quicken Basic and Quicken Deluxe (
when Quicken Basic existed) was not nearly as insignificant as
the difference between Quicken Deluxe and Quicken Premier.
While it doesn't matter now what those differences were (401k
handling was one, but not the only one); I'm convinced they were
meaningful.

And the difference between Quicken Premier (or Quicken Deluxe)
and Quicken Home and Business is definitely not insignificant if
you want Quicken to prepare, and track, invoices ... plus a few
other "business" characteristics.

And for Q2009, the difference between Quicken H&B and Quicken
Rental Property Manager is not insignificant if you want Quicken
to help you manage your property rentals (though I don't claim
every property manager needs Quicken RPM, I think Quicken RPM
does, or will, provide some advantages over Quicken Deluxe for
some users).

--

John Pollard
First initial underscore Last name at mchsi dot com
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