We'd also like Money to provide better instructions on how to set up data transfers. It's a big improvement, particularly for anyone new to personal finance software, but Money still isn't on a par with Quicken in this category. But in Money 2005, the Setup Assistant pilfers Quicken's approach and downloads account information automatically from your financial institution's Web site. Previously, you had to manually enter financial information for each account (such as checking, savings, and credit cards)-a tedious chore. Microsoft Money 2005's much-improved setup procedure is one of the app's best enhancements. Microsoft Money 2005 is an essential upgrade for version 2004 users, but those new to finance software will have an easier time with Quicken 2005. When it comes to technical support, however, Money users have the advantage, with 3 years of free phone and e-mail help-perks that Quicken users must pay extra for. In our comparison, Intuit Quicken 2005 maintains its edge in specific areas, such as the debt-reduction and account-setup modules. But this year, Money returns to the ring with Microsoft Money 2005, a personal finance app with a simplified interface and a new automated online banking setup to rival Quicken's famed ease of use and powerful array of money management tools. During its 13-year history, Microsoft Money has perpetually lingered a step or two behind Intuit's popular Quicken, which owns nearly three-fourths of the personal finance software market.

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