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This is normal. All versions of Microsoft Money expire their download services at 3 years from installation _or_ on Sept 1st three years after the title year of the version, whichever comes first. They all continue to work with manually entered transactions and in most cases with manually downloaded transactions.

There's a way to patch Money's DLL to get around the expiration, if you're of a hackerly bent. I've continued to use Money 2004 with most of my accounts, although it seems Vanguard doesn't support Money 2004 auto downloads any more (the online update always throws an HTTP error.) See here:

- Erik
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