In microsoft.public.money, Eric Ewing wrote:

- quote -

OK. Money should be ignoring the "Bank Balance" as far as the
register. That should be what Money downloaded from the bank, and it
will not have taken transactions that have not cleared into account.
It should be using the running balance for its calculations. It is
as if Money had introduced a compensating transaction to make the
amounts match.

As Ron brought up, if you are not using the "Advanced Register" then
I suggest you do so.
One way to do this is with
Tools-> Settings-> AccountSettings(global)-> DisplayAllAccountsInTheAdvancedRegister


- quote -

On Sat, 4 Nov 2006 19:40:02 -0800, Eric Ewing <Eric
Ewing[at]discussions.microsoft.com> wrote:

- quote -

A few questions:

Are you using the Advanced or Essential Account Register?

Tools/Settings/Online Service Settings
What are your settings here?

I have never seen your problem.

I am using the Advanced Register and the Options I have selected are
1. Add a description
3. Overwrite transaction dates with dates from downloaded transactions
4. Replace downloaded payee names with user-altered names ...
7. Enter electronic payments in the register with the processing date.

The other options are blank.


--ron

Hi Eric,

Just another thought:

Maybe the ATM witdrawal, manually entered by you as - I presume - a transfer
into your cash-account, is not really "matchable" within Money. You can
match a withdrawal from your bank-account, yet as a transfer to your cash
account it is not totally matched and the transfer remains as a separate
entry. Because, as you described it, it only occurs with the atm withdrawal,
it could be that this is treated differently (as a transfer, which is
something your bank cannot reflect when dl transactions.

Bye,

Eric
"Eric Ewing" <EricEwing[at]discussions.microsoft.com> schreef in bericht
news:8021085C-C3E7-48B8-80E7-7DF5E9DBEE81[at]microsoft.com...
- quote -

Hi Cal,

Thanks for your reply...please see my clarifications below:

- quote -

Yes...kind of. I don't have any "new" transactions appearing during the
download; rather, the downloaded transactions all match transactions in my
register. They are NOT duplicated...instead, I match them to transactions
already existing in my register and those transactions are subsequently
marked as "reconciled."

- quote -

I didn't do a good job explaining. In the first example, let's say the date
was 11/4/06. At that time, my bank was reporting my balance as $100, and all
5 transactions became pending as of the time they were made.

On 11/5/06, one of those transaction (the ATM withdrawal) cleared my account
leaving $50 as a balance; the other transactions are still pending.

What is happening is that Money is updating my "bank balance" from $100 to
$50, and correctly marking the ATM Withdrawal as "reconciled." However, the
running balance in the register is then using the $50 bank balance as a
starting point and RE-subtracting all transactions in the register (including
the reconciled transaction), leaving a discrepancy in both the running
balance and Ending Balance. In effect, it is subtracting the reconciled
transactions a second time!

- quote -

Nope...that would be correct if that were occurring. What's happening with
mine is that the remaining balance SHOULD be $20 once all transactions have
cleared ($50 in the meantime), but my balance is showing as (negative) -$30
because that $50 withdrawal was subtracted once from the Bank Balance field
and a second time within the register itself. Again, it is NOT showing as a
duplicated transaction anywhere.

- quote -

Nope, I've got a direct connection to the bank, and Money actually is
matching the transaction correctly. The problem appears to be that Money is
grabbing the updated account balance from the bank, and is then
RE-subtracting (or re-adding) already reconciled transactions to that balance
even though the balance already reflects those transactions.

- quote -

Yes.

It's a very difficult problem to try and explain, especially since I seem to
be the only person experiencing it! Just FYI, I have tried the file repairs,
etc., and Microsoft's support people had me delete my account and start over
from scratch -- to no avail. The problem came right back as soon as I used
the "Connect to Bank --> Update Now" feature to download transactions.

Thanks for your help!

Sincerely,

Eric

In microsoft.public.money, Eric Ewing <Eric
Ewing[at]discussions.microsoft.com> wrote:

- quote -

Confirm that what you describe in the lines above are what you want
and expect to happen.


- quote -

What do you mean by that? Are you saying that the you have
transactions added during download that affect your balance
improperly? Why did the initial balance drop from $100 in the
example above to $50 in the example below? I think you are saying
that $20 is what you expect if all transactions have hit. However
$30 was actually spent, but not yet downloaded. So the example below
is from the next day where you start with $50 in the Balance column
of Money as well as in the "Ending Balance" shown in the lower right
hand corner of the register.

If that is the case, that would be as it should be.



- quote -

So the problem it sounds as if you are describing is that the ATM
Withdrawal is there twice. If that is the case, then you could deal
with it during the second download by telling Money that this
matches the existing transaction. You would like to hope that Money
would do that on its own, and it will if you are doing OFX download.
Perhaps you are doing "third party" download and it is not matching
the existing transaction?



When you say "new balance", that corresponds to the number in your
bank account register in the column that is labeled "Balance",
right?



- quote -

"Eric" wrote:

- quote -


Hi Eric,

That's close to what's happening as far as the symptoms, except that the
transactions are not being duplicated. Instead, in a nutshell, everything
works fine until I download transactions; when the transactions are
downloaded and matched to already-existing transactions, they are basically
getting subtracted a second time from the account balance. So, for instance,
I had a recent ATM withdrawal of $150. When I first entered it into money, it
subtracted $150 from my "Bank Balance" like it was supposed to, and my
running balance was updated correctly. Upon downloading my transactions the
next day, my "Bank Balance" in money had been updated to reflect the $150 ATM
transaction which had cleared and was $150 less than the day before, and the
ATM transaction was correctly marked as "reconciled" within money; in the
register, though, Money then subtracted the $150 a second time when it
encountered the transaction, making my running balance $150 less than it
should be. It's very weird and it appears that my bank balance in Money will
never be accurate unless I have no outstanding transactions (which makes it
very hard to see how much money I have left to spend!).

Thanks for your help,

Eric

Hello Eric,

It's a bit difficult to understand what's going on. What I sometimes have,
when dl statemens, is that the downloaded transactions are matched with
transactions I already entered manually. If I choose that a transaction does
not match, it will be entered into the account. If the dl entry actually was
already entered manually, it would then substract again from the account
balance. I don't know whether that's the case with you as it is easy to see
and easy to solve.

Good luck,

Eric
"Eric Ewing" <EricEwing[at]discussions.microsoft.com> schreef in bericht
news:1E054654-DD77-4577-B761-3FE540C12187[at]microsoft.com...
- quote -

Hi Eric and Pat,

I appreciate your replies very much, but am afraid I am still experiencing
the problems.

The ATM transaction I used before was just an illustration, as the problem
actually occurs on any cleared/reconciled transactions. In a nutshell, my
account balance is correctly updated to reflect those transactions which have
cleared, but Money is then using that account balance as the "opening"
balance and then re-subtracting all my transactions (both cleared and
non-cleared) from that balance leading to a discrepancy. Once a transaction
has cleared and the balance been updated, I would think that Money should
ignore the cleared transactions in the register when calculating the new
running balance, right?

Thanks,

Eric

Hi ;

If you click on the file button, there is a submenu Repair Money File.
You could try that and it may fix any errors in your data file.

As a side note; I had some problems with my Bank of America account as
well. They had my whole credit account screwed up. Me and them were off
by over 500 dollars. They had me with the exact same ballance to the
penny for the last 5 months even though there were several charges and
payments during each period. I called their 800 number and spoke to a
woman there who told me that due to their merger with MBA, they were
experiencing several computer anomalies. According to her, they are
working on them nonstop and it should be straightened out shortly. That
leads me to believe that it is probably a BoA issue and not a MS Money
one.

Take Care
Pat

Don't know if I understand you, but you should handle your atm withdrawal as
a transfer to your cash account. You then substract from your cash account
what you purchase with the $ 50.

Bye
Eric
"Eric Ewing" <Eric Ewing[at]discussions.microsoft.com> schreef in bericht
news:082C1EFF-E8F9-487D-AE66-2AD94B08EBC0[at]microsoft.com...
- quote -

Hi all,

I was hoping someone else could help verify this. I'm using Money 2007, and
I automatically download balances/transactions from my bank (Bank of
America). I noticed today that my running balance (in Money) was way off from
where I thought it should be; on investigation, I found that money is
re-subtracting reconciled transactions in my register despite the fact they
have already been subtracted from my account balance. Here's a fictional
example of what I mean:

I start the day with a $100 account balance, and make five transactions:

Breakfast - $5
Lunch - $10
ATM Withdrawal - $50
Dinner - $10
Dessert - $5
-----------------------
New balance: $20

Now, because ATM withdrawals clear my account sooner than other
transactions, my bank updates my account balance the next day to subtract the
ATM withdrawal, and keeps the remaining purchases pending (as they take 2-3
days to clear). My actual account balance is now $50, with $30 in additional
pending transactions. Money 2007 has been recording it this way, though:

Account balance $50
-------------------------
Breakfast - $5 / $45 (new balance)
Lunch - $10 / $35
(R) ATM Withdrawal - $50 / -$15
Dinner - $10 / -$25
Dessert - $5 / -$30
-------------------------
New balance: -$30

As you can imagine, I was quite shocked at first to see Money telling me
that I had a negative balance (albeit with a much larger disparity!) until I
figured out what was going on. Does anyone know if this is standard behavior
for money (and can I turn it off?) or is this a bug of some sort?

Thanks!

Eric