It was. This was all disclosed in the Money online account setup process for
this account. Your choice was to enter transactions manually or get data via
a third party provider. You elected the third party provider. There is
NOTHING in Money that requires downloaded data. Downloading data is, in
fact, the only feature in Money that depends on downloaded data.

"Matt McLelland" <MattMcLelland[at]discussions.microsoft.com> wrote in message
news:2E9064CF-8ACE-4FAA-8489-CF0285E09221[at]microsoft.com...
- quote -

Passport Account and Yodlee is required for Money 2005 which scrapes the
web site with out BoA getting involved. As I said, I am an advantage
customer and I agree with the first part of your statement. I however
do no have a passport account that I use with Money 2006. Money 2006
does not use Yodlee to reach BoA. Perhaps it is some other account of
yours that requires the Yodlee connection. I agree with you that I
personally do not see a need to use Money Central to store my account
information so that I can access it from my office computer or other
machines.

Art McClinton

Matt McLelland wrote:
- quote -

Sorry you missed the point Steve. I'm not worried about security, or what
happens in the download process. I'm confident Microsoft has that covered
with SSL, etc. But I never asked to have all my personal data that I did
indeed choose to download from BOA to be immediately uploaded back to an MSN
server so I could view it on the web. I didn't ask for this and would
certainly have appreciated being asked if I wanted them to do this. You're
exactly right....it is personal finance software on MY computer. Microsoft
is wrong for 2 reasons:

1. They don't make the whole Passport / Yoldee / BOA picture clear when you
activate this service through BOA. Don't get me wrong, it's a wonderful
service and it works great...but they don't tell you that your personal BOA
info will also be uploaded to their servers

2. I would expect a downside like this from free services like Gmail.
Gmail pushes sponsored ads into the right hand navigation area of your
browser based on the content of your emails. That's fine....it's a FREE
service and that's the deal. If you don't like it, don't sign up. But with
Money / BOA / Yodlee, I PAID for this software and BOA service, so it would
be nice to have the option to have your banking info transmitted to an MSN
server.

You are right...Money can be used on my personal computer and I can enter
all transactions myself. And I choose to download transactions and accept
the potential risk of someone "hijacking" my download and engaging in fraud
(albeit unlikely). But no one asked if I wanted my data sent back to an MS
server so I could view it over the web.

"Steve" wrote:

- quote -

In microsoft.public.money, Steve wrote:

- quote -

It is not magic. It is SSL encryption and a password authentication
system.

- quote -

"Matt McLelland" <MattMcLelland[at]discussions.microsoft.com> wrote in message
news:2E9064CF-8ACE-4FAA-8489-CF0285E09221[at]microsoft.com...
- quote -

Many people do not associate their Money file with a Passport for that
reason. If your bank supports direct downloads, the only sacrifice is a few
mouse clicks.
--
Chris Cowles
Gainesville, FL

It continues to amaze me how people who are concerned about security
expect Money to "magically" upload and download personal data about
bank transactions and brokerage transactions and somehow prevent ANYONE
from getting access to it. Money CAN be used as a personal financial
program on YOUR private computer. Just enter the data manually
yourself. Steve

BE VERY CAREFUL! I talked to BOA support and had to sign up for the special
service. I am an advantage customer, so the normal $9.95 / month was waived
(if you're nice, I hear you can also just talk them into waiving it). Set it
up using the Non-CA option and it works PERFECTLY. My BOA credit card and 2
checking accounts work just fine.

HERE'S THE STICKY PART! You must have a passport account to use the
advanced feature since the yodlee service is required. If you don't pay
close attention (I didn't), you won't think much about this. But when you're
done, go to http://moneycentral.msn.com/home.asp and log in with the same
passport...and guess what. ALL of your bank account information (numbers,
transactions) have been uploaded to an MSN server and ALL details are
available on the web. You MUST use the passport account to use this
feature...and each time you open Money and Passport auto-connects, all of
your information is synched with the MSN servers and there isn't anything you
can do about it. Guess it would be nice if they asked you or gave an option
not to do this at all.

I do like Microsoft and MS Money, but since I'm paid $60 for my Money 2006
(instead of getting it for free and having to use "features" in exchange for
the free software), it seems as if they would allow me to choose this
"feature" instead of forcing me to use it. I'm thinking of dropping
auto-download function because of my security concerns.

Just my 2 cents.

"Art McClinton" wrote:

- quote -

With Money 06 BoA in North Carolina gives you two choices for
downloading transactions. One is the web based version where you
manually go to the web and download an OFX file. The second is to
connect automatically to the bank and have it downloaded. In either
case you would set up the money account to point to Bank Of America (all
except CA ...). You do not need to set up a passport for this
connection, but you will need to if you want to automatically download
to set up the download with BoA. This is free for some account
(Advantage) and costs money for other accounts. It will link the
accounts and bill pay to Money so you can perform the actions without
going to the web. The web access for downloads and bill pay is free and
you could change at a later date.

Other places in this newsgroup I have seen people having difficulties
after setting up the new Sitekey security features that BoA offers. I
have not set them up so can not comment if the problem has been solved.

If you go to the BoA web site and type in MS Money in the search you
will find the FAQ for how to use Money with BoA. It is a little dated
as some sections do not appear to have been updated in 3-4 years. ie
they mention that only support QIF downloads while they have been
supporting OFS for 3-4 years.

Write again if you are having troubles.


Matthew wrote:

- quote -

I am trying to set up money 06 for downloading transactions from BOA.
The account was open in North Carolina. Which settings should I use to
download transactions into money??

Thank You