I just received Quicken 2001 today and upgraded from Quicken 98 (I wanted to finally get Y2K compliant). The program easily upgraded from my Q98 files with no problems what so ever. The new layout is very user friendly and the quick graphs are a nice touch.As a person who only has a couple of bank accounts and no securities, Quicken Basic is the perfect tool. It's a great way to balance your checkbook and avoid common errors in simple math. The graphs are a neat feature and I find it helpful to be able to categorize and chart my expenses.
I really like the on-line display that you can set up. Quicken has a feature will it will let you upload the balances of your accounts to their web page for easy viewing anywhere you have net access.
The one problem I have with Q01 is that the on-line banking (at least with the credit card I had) was not automatic. You have to go to the cc's web site and download the Quicken format file in from the web site into your quicken folder.
Overall, if anyone is looking for a new money management program, I would highly recommend the Quicken series. Unless you have a 401(k) or a lot of stocks and bonds, the Basic program is more than you will ever need. With respect to upgrading, I did not see a huge differnce from Q98 to Q01, outside of the new web-like format. The register and reconciliation was virtually the same. So, unless you need to get Y2K compliant, I'd just keep the old version of Quicken.