One weird finale to the trip: my travel humidor vacuum-sealed itself on the flight back. The air pressure in the plane’s cargo hold got low enough that the travel humidor’s lid was sealed so tight after we landed that I couldn’t get it open. (I did eventually get it open, but only after wedging the file attachment on a pair of nail clippers between the base and lid and using it as a lever. Even then, it took about five seconds of hissing for the interior and exterior air pressures to equalize.)

Anyway, now it’s back to the grind tomorrow.

All your sophisters cannot produce anything better adapted to preserve a rational and manly freedom than the course that we have pursued, who have chosen our nature rather than our speculations, our breasts rather than our inventions, for the great conservatories and magazines of our rights and privileges.

~ Edmund Burke, Reflections on the Revolution in France

So, I’m finally getting a new laptop. As those of you who’ve seen the present disaster in action know, it’s (past) time. Thanks, Sarah, for my Christmas gift!

For anyone (i.e., Brian & William) who wants gory details: Dell XPS Studio 16, 2.8 GHz Intel Core Duo with 6 MB cache, 4 GB DDR3 RAM, 512 MB ATI Mobility Radeon graphics, 500 GB 7200 rpm HDD, 802.11a/g/n and 10/100/1000 ethernet networking. (Yes, Dell – with the exception of my own finally beating the living daylights out of my old laptop, I’ve had very good experiences with Dell’s products.)

Oh, and said company did not resolve my issue. This, despite the fact that this was my second contact with tech support stemming from the complete failure of their website to display the option I need to access, except in how-to diagrams.

Truly impressive.

The main thing I have been missing is at-a-glance budgeting.  That is, I’d really like to be able to see, in just a moment or two, how our current spending in a certain category, such as dining out, stacks up to our budget for the month (or quarter, or year, etc.).  I would like to be able to do it on a single screen, with minimal scrolling, and any scrolling should be vertical, not horizontal.  This has long been a failing of Quicken; so far as I have ever been able to tell, there is no way to see in one fell swoop what you’ve spend, what you’ve budgeted, what’s left over, and whether or not your spending is more or less on-pace for wherever you are in the relevant period.  In addition, rollover categories are a must.  Telling me that I have missed my budget twice because I spend $100 on groceries on September 30 and am under-budget by $100 in October is not particularly helpful.  Unfortunately, that is all that Quicken offers, and that in a less-than-user-friendly format.  I recognize (as Mark reminded me today) that I am a long-tail user of Quicken, but this seems like bread-and-butter, basic, should-have-worked-well-since-Windows-95 stuff.  The good news is that Mint does all of these things fairly well, as evidenced in this (old) screenshot (this is a Mint-provided image, not our budget):

The new version is much improved; it’s actually a lot like the “Savings Plan” feature in Quicken 2009, but better due to the use of rollovers, the prettier and simpler interface, and the fact that I don’t (apparently) have to set a new budget every month.

Now, the irony of this situation is not lost on me, given that Intuit (maker of Quicken) just announced its acquisition of Mint.  Despite the many features of Quicken which are not found in Mint’s offering, I have to say that was probably wise: Mint is extremely user-friendly and easy to use.  Given the extent of overlap, the speed at which Mint was being improved, and that Mint is a free service while the full-featured versions of Quicken are not, one can see why this acquisition came about.

Other issues that had concerned me included Quicken’s kludgy handling of interest versus principal for budgeting loan payments and its inability to connect to my student loan servicers.  I could use Mint in the same way I use Quicken, tracking interest and principal separately for the most accurate possible look at the bottom line and our progress in building equity in our assets or reducing student loans.  That seems unreasonably redundant, however, and would defeat the purpose of my signing up for Mint, in the first place.  In fact, Mint handles tracking and classifying loan payments very nicely without my tweaking anything.  As for student loan servicers, so far, Mint has blown Quicken out of the water – setting up connections to these companies was just as easy as setting up a bank account, and as anyone who has used a student loan website recently can attest, that is no small feat.   Another major complaint I have had is that Quicken would not let me use the quicken.com site to view information about our accounts or budgeting when I am away from my personal laptop.  Allegedly, it can do that, but I have never been able to update quicken.com without an error in Quicken.  Because Mint is always up to date, online, and includes budgeting features, it solves this problem as well.  (I recognize that many banks’ websites now allow users to view multiple accounts, including those at other institutions, in one place, but none of the institutions at which we have any kind of account have nearly the feature set Mint offers.)

So, in summary, while Mint does not have enough features to make ditching Quicken entirely a wise choice for us, it is an extremely useful supplement to Quicken.  We are going to be using it heavily, and hopefully will not need to go crazy with Excel or some other, redundant system.

[Note: I am, of course, hyper-conscious about security with such things.  Mint has addressed security and privacy issues on their website. For us, given that we live in an imperfect world and that we already necessarily entrust sensitive information to Quicken and various institutions, we are comfortable with the way Mint manages privacy and security issues. You, the reader, need to reach your own conclusions on whether or not you are comfortable with Mint's service, and my review is not an endorsement for general use or advice of an attorney, accountant, or any other professional service provider.]

Disclaimer: Mint.com is a free-to-use service and I am not receiving any compensation for my use of Mint or for posting this information, which represents solely the private opinion of the author and not an endorsement of any provider of goods or services.

Does anyone with Quicken 2009 experience out there know of something I’m missing? Is there a better way to drill down on specific categories, while resolving the loans issues?

Does anyone know if more recent versions (2008, 2009, or the coming-next-week 2010) handle budgets and/or loans more efficiently?

Thanks!

Question for my readers, assuming I still have any: I want to brush up on my foreign language skills and, ideally, acquire additional languages down the road. I’m looking at the Pimsleur Comprehensive materials, and have liked what I’ve heard so far. Has anyone used these? I know what all the reviews say, but would like opinions of friends before purchasing anything.