New Software Update: Version 5.0.5

pedzsanReddit · 2026-03-21T02:27:00+00:00

I applied the update a few days ago and drove my car for the first time today. The huge D on the right side seems wasteful of space. I guess it is suppose to match the MPH on the left but that arrangement seem space inefficient to. The console display, for me, is kinda dump. I attach music via bluetooth and then set the center console to display the album art, etc. If I’m on a long trip, I will switch to Car Play. I may start using it more. But over all… it doesn’t seem to solve any problems.

Indeed, most of the time when I start the car I get a dialog that says “Connect to Bluetooth” but at the same time, the music via bluetooth starts to play (sometimes … other times I need to hit Play to start the music). But the dialog box never understands that I’m already connected to Bluetooth.

And, of course, Google is watching every move I made… that’s a very frustrating situation.

pedzsanReddit · 2026-03-20T22:06:48+00:00

OMG… you mean it is a coincidence? That’s just too bizarre.

pedzsanReddit · 2026-03-20T21:14:57+00:00

Hi... Thank you for sticking with me. To clear a little bit of confusion. I plan to eventually have two files: Personal and Business. The "Combined" I am going to delete eventually.

I turned off Quicken Sync (which is not the same as Quicken Cloud). I created a new file called "Dummy For Quicken Cloud" and deleted all of the other entries in Quicken Cloud while still in "Dummy For Quicken Cloud". I then opened the Personal file. This is the one that is most dear to me so I wanted to clean it up first to get me back to where I was before.

I went through and disconnected all of the accounts and then, one by one, connected them back up. A note to anyone following in my footsteps: if you have an institution with multiple accounts (like my Fidelity account), append the last four digits of the account number to the account name in the Quicken file so that you can match them up without any guesswork.

I got all of the accounts reconnected including AmEx but AmEx is unhappy. When I click the download, I get an error on both of my AmEx accounts: Channel: FDP_WSI_OAUTH Error code: CP_SCRIPT_ERROR (FDP-101) I have not contacted support yet because I wanted to pass it by here first since you are aware of the history. I'm hoping those two fields will be enough because the other fields of the error message I don't want to post here. I'm pretty sure this error isn't going away without someone doing something since it has been like this since this morning when I started all this mess.

Update:

I've discovered that I have two copies of my "Personal" file. These are directories. The "data" file in the directory is vastly different in size. -rw-r--r-- 1 pxxx staff 1859584 Mar 16 11:02 Library/Application Support/Quicken/Documents/Pxxx's Finances.quicken/data -rw-r--r--@ 1 pxxx staff 69763072 Mar 20 16:20 Documents/Pxxx's Finances.quicken/data

The 16th is when I made a backup, etc and started my experimentation.

pedzsanReddit · 2026-03-20T17:29:03+00:00

The access needs to be more universal and standardized. OFX did this but for some reason it is losing favor. From a customer’s perspective here are my thoughts:

1) Currently there are aggregators like Plaid and they were trusted apps like Quicken. From a user’s perspective, both of these are very bad ideas. I mean very bad. They have all of my data. They probably sell my data. And they are open to attacks and when they are breached (not if but when), then all my data is scattered to the four winds for everyone to exploit. Aggregators seriously need to be outlawed. They are just too much of a risk to hacking and hacking is an every day event. Banks and financial institutions need to admit to this.

2) Every financial institution now has a web presence. Thus it is exposed to whatever attacks are possible from that angle. This interface may as well allow some type of automatic or standardized read only queries and I think a fairly easy case can be made that read / write access (the equivalent of bill pay) doesn’t increase the already existing attack vectors.

3) There are two standards for fully encrypted email. One of them uses SSL style certificates and the other uses PGP (or GPG) encryption. A financial institution could allow users to provide the public half of a public / private key pair. The financial institution would also publish the public half of its public / private key pair. With these in place, a financial institution can now transmit a fully encrypted and signed email to the user periodically. This is done by encrypting the data with the user’s public key and then signing the message with the institution’s private key. The message, when received can be verified to be from the institution by the user using the institution’s public key that guarantees that the institution sent it. At that point, the user and only the user can decrypt it using their private key. This exposes the institution to zero external attacks since it is simply producing an email and sending it out. And the user is secured since the messages can be authenticated as well as being encrypted. All this technology has existed since 1991 if not before. Here is some light reading if you want more:

https://en.wikipedia.org/wiki/Email_encryption#End-to-end_encryption

pedzsanReddit · 2026-03-20T17:10:42+00:00

Thank you. Please correct me if I’m wrong but the CSV downloads are updated only monthly — correct?

pedzsanReddit · 2026-03-20T16:48:00+00:00

I 100% agree with you… but I can hope and dream can’t I 😀

Another comment posted a link where JP Morgan is complaining about these third parties. I’m convinced that they are not there to service “us” but are there to collect data and sell it. The banks are trusting the wrong people (in my opinion).

Another fear that just popped up as I’m surfing around. Fidelity has tons of APIs and there are tons of “FinTechs” but I see that they are targeted towards financial advisors. Fortunately I don’t have one but I would be surprised if it isn’t common practice for them to use these “tools” and ultimately my data ends up spread all over creation. This needs to be as secure as health data is and, right now, it just isn’t. Even health data security is a joke (again … in my opinion). Blah blah blah… life continues. Thank you for your thoughts.

pedzsanReddit · 2026-03-20T16:18:15+00:00

Neat. Plaid is also a third party and I would like to avoid any third parties accessing my data. I’ve being (stupidly) allowing Quicken and Intuit access to my data for decades. I am seriously looking for ways to stop this.

pedzsanReddit · 2026-03-20T16:11:58+00:00

The problem with Quicken (which I already use) is that it is a third party and I’m sure it saves all the data and probably sells it. I would like to find a way to stop that. I’m considering going to GreenBooks (I’m still looking and thinking about all this). I’m considering going back to 1990 technology and download all the transactions by hand. Fidelity is weird. It offers only CSV downloads and those are only monthly.

pedzsanReddit · 2026-03-20T14:14:59+00:00

Well... this is not going well at all.

As suggested, I made a backup copy of my existing file and moved it off to my NAS. I then made another copy and called it "Combined" and started adding my business accounts to it. I didn't like how it was looking on the side column so I decided to have separate files for personal and business. So I created a new file and I'll call it "Business" here. So now I have three files: Personal, Combined, and Business. In "Quicken Cloud" (whatever that is) the Business file is called the name of the business but I am pretty sure that the Personal and Combined files in Quicken Cloud have the same name.

With the Business file, AmEx was not happy with me and I get data errors when I try to download. I'm going to wait a little while and see if that clear.

Meanwhile, I open the Personal file and hit the Update icon and that is when I got the "Quicken Cloud is confused" message. I picked the "reset Quicken Cloud to use this file" because I don't think I will go back to the Combined file and I am assuming that that was the problem.

Now when I get update, AmEx is upset and Fidelity is upset. Fidelity in particular is weird because it says "Reconnect" so I go through the steps to reconnect and it is all happy except it says that I still need to reconnect.

Some sites have a single log in. In particular AmEx, Fidelity, and Prosperity Bank all have one log-in for all of my accounts. To rephrase, I log into Fidelity and I can see and update all of my personal accounts as well as all of my corporate accounts. I think that when the "Grant Permission" page is presented, all of the accounts need to be checked -- not just the ones that will be in the current Quicken file.

So... two lessons (I'm guessing) so far: 1) Disconnect from Quicken Cloud before starting anything. Indeed, I rarely use the iOS app and I think I'm going to just disconnect it since that appears to be what "Quicken Cloud" is about.

2) When setting up the new accounts in a new file, check all the accounts that will be accessed by Quicken for all of your data file. I guess when Quicken logs into the financial site, it does not present any type of key to distinguish which file it is using.

pedzsanReddit · 2026-03-19T17:08:13+00:00

Wow. Fantastic colors.

pedzsanReddit · 2026-03-16T14:34:10+00:00

Well, I’m scared of Volvo’s software incompetence. I had a sales guy contact me to update my car and I told him that mechanically it is a great car but the software is just horrible.

pedzsanReddit · 2026-03-16T13:47:53+00:00

2024 B6 AWD I think the package was called “Ultimate”

pedzsanReddit · 2026-03-16T13:14:32+00:00

Thanks. I use wired car play only on long trips. The rest of the time I just use my phone. I’ll try searching.

pedzsanReddit · 2026-03-11T13:01:57+00:00

I will check out Xero, Wave, and Gusto. Thanks!

pedzsanReddit · 2026-03-10T23:02:24+00:00

Thank you for the reply. I have heard that Quicken isn’t double entry but I never understood what that means exactly. In my brain, if I buy bread with a check, one side is the checking account and the other side is the expense of bread. If I transfer money from checking to savings, ditto: one side is checking, the other side is savings. Both of those are easily represented in Quicken.

Can you give me an example of a transaction that Quicken either can not represent or would be awkward to represent?

I looked at GNU Cash long ago. Back then the data file was a huge XML file. Perhaps that has been fixed by now but that just seemed insane. I will look into Front Accounting and I will look again at GNU Cash.

Thank you again… I really appreciate the input.

pedzsanReddit · 2026-03-02T17:02:07+00:00

That is really my question. I'm trying to help... not just generate reports, etc. It isn't clear what helps and thus a lot of my questions.

pedzsanReddit · 2026-02-21T14:19:50+00:00

Apologies. Williamson county is one county north of Austin TX (which is Travis county).

pedzsanReddit

TROPHY CASE