Does everyone spend 2 hrs getting Quicken downloads to work?
Monday, July 21st, 2008
I like having comprehensive records, so I use Quicken, but I dread the inevitable changes in financial system accounts that will mean phoning a ‘support’ number and begging them for help getting their statement downloaded.
I started using a modem connection to Columbus in 1994 for bill paying and credit card statements. For my Sovran, I mean my NationsBank, I mean my BankofAmerica account, along with my investments, I kept a big stack of paper statements on my desk, which I manually typed into Quicken once or twice a year, or before I did my income tax, whichever happened first. As retirement accounts multiplied, as financial service firms bought each other, as securities spun out subsidiaries, split, renamed, went out of business, etc, at an ever-increasing rate, it became more and more complex to manually type in all that stuff. I knew that someday it would all be electronic, and life would be easy.
A couple years ago, financial service firms started falling all over each other to support Quicken. Living in Europe, with accounts in the USA, paperless online accounts were especially appealing, so I paid my bi-annual tax to Quicken, twice, updating to a version that almost all of my financial service firms promised to support. After a couple weeks of diligent work, virtually my entire portfolio of mutual funds, savings accounts, and credit cards could be automatically downloaded into Quicken.
I was downloading from USAA the hard way, logging into their web site and manually downloading files that would launch the actual Quicken download. I had to do one for the cash accounts, and another for Elizabeth’s IRA. Every time I did it, Quicken patiently suggested that I setup one step download. Wanting to avoid the hassle of setting up a login and PIN that was different from the web site login, I avoided this for 18 months. USAA is a wonderful company–everyone should marry a military brat and get access to their services–but Quicken is Quicken. Even if you know that you are going to be speaking to polite and intelligent people whose native language is almost English (best way to learn a language is in bed, which is why I understand Texan), it is still going to be painful. If Intuit hadn’t yet again forced me to change my Quicken credit card account yet again, I would have limped along with USAA indefinitely.
So Quicken takes their logo away from Travelers, I mean Citi, and gives it to Chase Manhattan, I mean Chemical Bank, I mean JP Morgan Chase, which sends snail mail to the address that I explicitly was NOT using because I had electronic statements. Note from the photo that they take credit for holding my account for all 14 years. 6 weeks later, when I figure this out, I crank up Quicken, and it immediately offers to download an update, which I accept. After getting the update, I initiate a one-step download, resulting in a message from my new Quicken card provider explaining that I need to follow certain steps before I update Quicken. It includes a pointer to a Chase web site that doesn’t exist. Using Google, I find the document from Chase explaining how to convert my credit card account in Quicken. After getting a fatal error half way thru that process, I phone up the Chase phone number provided as part of the Quicken update, which actually rings thru to Citi, who give me Chase’s number.
I can hardly understand the non-native English speaker who asks me if I’ve done everything that I was supposed to do. When I say yes, she transfers me. 10 minutes later, the system hangs up on me. I phone back in, this time they lead me through by the hand. Eventually, I get Quicken connected, although there are no transactions to download, because I just got the card last week.
I try one last time to get our USAA accts to update the new way. It barfed, and after fussing with it for 30 mins, I figured I might as call USAA. When I explain that I’m not Elizabeth, they very politely told me that I needed to get my own login (to see the exact same info). I get that. It still doesn’t work, and I phone back. After we try a couple things, the support person suggests that I try to update a different USAA account, and suddenly, all the funny corrupted messages are gone, and the connection goes through. Even better, it updates savings, checking, and the CDs within Quicken.
So, now I’ve got one-step update to all our US accounts, except Elizabeth’s USAA IRA, which for obscure reasons I still need to download the old fashioned way (Quicken scolds me with “You are already downloading all the accounts for this account number” which isn’t the case at all–I’m downloading all the accounts for MY account number, not Elizabeth’s).
And of course, none of this works with my UK accounts. I’ve got 2 pensions from my first employer here (still using the same name, but I worked for HQ), one of which just moved to a new provider, but my second employer (just acquired for second time) didn’t help with retirement at all. My current employer (just buys other companies) mostly has only 1 pension, but they switched providers and for reasons that I’ve never figured out, I actually have 2 accounts with them–or is it 3. I still enter that stuff manually.
How did we ever get along without PCs? Could I have possibly accomplished all this in less than 110 minutes the old fashioned way?
We arrived in Vienna without furniture, a temporary situation that resulted in two marathon 8+ hours in IKEA (I’ve spent hours in business meetings speaking German, but still don’t know how to fluently say “My wife says that your other store has a removable cover for that couch in a darker shade of gray with a heavier texture.” What’s the word for couch? Davendingsbumm?) Suffering from chronic tendinitis (see subject Computers Will Break Your Heart), one of my first metric tool purchases was a rechargeable Bosch drill and a set of screwdriver and hex bits. If you’re going to do a lot of screwing, you gotta have the right tool.
Words can’t really describe how uninspiring the musical is, but let me try. How about ‘Not memorable’? If it seems that I’m able to provide a level of detail contradictory to that assessment, it is only because I was taking notes during the performance.
I don’t want to give the impression that we didn’t have a fun day out. We had some good laughs–several times during the show. We started with dim sum in Chinatown for lunch, followed by a visit to Kirk’s favorite Chinese grocery for snacks. We spent some time wandering around Forbidden Planet, which moved into a significantly bigger space sometime between The Fellowship of the Ring and The Two Towers. We wandered around Covent Garden and Trafalgar Square, and bought way too much junk at
All activity in Heiser Hollow revolves around our half acre pond. Its a constant source of aesthetic pleasure and entertainment, hosting countless fish and frogs, and playing guesthouse to an ever-changing variety of visitors (turtles, herons, otters, ducks). You can fish in it, you can swim in it, you can float in an inner tube drinking beer, or you can just stand and look at it. However you choose to enjoy it, the pond remains by far the most interesting part of the Hollow. My parents park their motor home next to it, we pitch our tent on the dam, and if we build something permanent, it will be within site and sound of the pond. There are at least two different varieties of frog–bass and tenor.
We built the pond in 1976. After extensive consultation with the state ag agent, and a series of disappointing test holes, it was decided that the only practical place to put a pond would be several hundred yards up the Hollow, towards the small and intermittent water fall. Although it would have resulted in a much larger pond, the lower meadow where we’d been parking a travel trailer just wouldn’t hold water. As it turned out, the smaller site would be an inspired one. Its only looking back at the pictures from 30 years ago that I can truly appreciate the significance of the engineering effort to build our little body of water. The dam stands 40 feet above the original ground level. It was once a big sterile pit of mud, and now it is thousands of gallons of life It took a number of months to fill with water, and it wasn’t ready to be stocked with fish the first year. That first summer, before stocking it, the pond magically became a haven for tiny tadpoles. Once we’d stocked the pond, these became become bluegill fodder.
Unlike most ponds, ours is not surrounded by grass–its in the middle of the woods, which gives it a totally different sort of feel. Although the center of the pond is in the bright sun during most of the day, the sides are shaded by trees which come right down to the water. The elm trees, which are always opportunistic where light is involved, seem OK with getting their feet wet.
Several trees came down alongside the road leading down into the valley, and they’ll have to be chainsawed if we want to use the road any time soon. One tree was down in the valley, and then there was no damage for several hundred feet. Along the path we call the Ridge Trail, which parallels the eastern property line, a group of 5 trees were all snapped off at about 40 feet in the air. This is the strangest storm damage I’ve ever seen at the Hollow. It looks like a rotary blade descended from the sky, chopped off some trees, and then retracted.
In this picture, Elizabeth is standing next to a 20″ cherry tree which has fallen on the root ball of a 2nd cherry, which itself is lying on top of the roots of a 3rd tree. In addition to the cherries, at least one ash came down, which is especially sad given that ash in other parts of the state are struggling with borer.
