its recommended if you are using Money Plus Deluxe Sunset (designed to replace Essentials, Deluxe and Premium) and no activation requirement
http://support.microsoft.com/kb/2118008/en-us
Recommendations on Usage:
- Update transactions in each of your accounts manually
- If your financial institution provides OFX or QIF downloads, you can download those statements into Money.
- To update investment quote manually, go to the Portfolio Manager and Update Prices – Update Prices Manually.
- For Bill Payment, see if your financial institution provides a Bill Payment option.