I had the same problem with M05 Standard.

1 iteration of e-mail and phones lead to a frustrating NO FIX

Sent an e-mail to cancel the order and received the following help, which
fixed the problem.
Give it a try.
Step one did it for me.
Bill

Dear William,

This is Sam from Microsoft Money Online Support, and I'll be assisting you
with your case today.

To give the most accurate support possible, I would like to give a brief
summary of the issue as I understand it:

You have purchased Money from the website. However, it is shown as Trial
Version. You would like to ask a refund of Money.

If I have misunderstood, please do not hesitate to let me know.

I am sorry for the inconvenience you have encountered. Please be assured
that I will try my best to assist you with this issue. Regarding this issue,
it may be caused by multiple factors. In order to narrow down the cause and
resolve it, let's try the following steps:

Step 1 Associate your Money with the Passport
======================================
1. Please launch Money.
2. Click File-> Password Manager.
3. Sign in with your correct Passport.
4.Run a update and check the issue again.

If the issue persists, please move on to step 2.

Step 2 Force Money to update.
========================
1. Close Money.
2. Click Start > Run, input the path for the installation of Money, and add
mnycorefiles after that. For instance, on my end, Money is installed under
c:\program files\microsoft money 2005\, so I should go to the c:\program
files\microsoft money 2005\mnycorefiles folder.

3. Copy the manifest.xml file to the desktop
4. Right click the manifest.xml file under the mnycorefiles folder, choose
Open With and click Notepad or Wordpad.

Note: if you cannot find the file, please launch Internet Explorer, refer to
My Computer-> Tools-> Folder Options-> View tab, and clear the option "Hide
protected operating system files (Recommended)".

5. Change the beginning of the file from

<?xml version="1.0" encoding="utf-8" ?> <Package> <Files
Time="2004-09-08T09:05" Version="14.0.150.825" UIVer="TOK_UIVER"
PVersion="825"
to

<?xml version="1.0" encoding="utf-8" ?> <Package> <Files
Time="2004-09-08T09:05" Version="14.0.150.805" UIVer="TOK_UIVER"
PVersion="805"
6. Save changes and close the file.
7. Launch Money again and get Money updates.

If you would like to ask a refund for Money, please understand that all the
purchase information is saved at the Microsoft Customer Services Center. In
order to check your purchase information, for the most efficient services, I
recommend you contact Microsoft Customer Services for assistance. Cust
omer Service Support, which is a separate department from technical support,
manages these kinds of issues. To contact them, please refer to

Billing Support link:
http://support.msn.com/contactus.asp...tkey=money2005
Number: (800) 386-5550

Please try my suggestions and let me know the results and your earliest
convenience. If you have any other questions, please do not hesitate to let
me know.

I am standing by for your response.

Best Regards,

Sam

- quote -

Get a physical CD . Stop payment on your credit card. Start over. It's only
MONEY.

I'm having fits. I'm a long time user. Three days ago I upgraded online and
downloaded Mny 20005 Deluxe. The version keeps coming up as the trial
version. Now I'm trapped in a endless help cycle with their support group.
Have others experienced this? Any advice?
--
Karl