I think I will always get the deluxe version. It installed easily and there were no problems accessing my data from v. 6. The Deluxe features are Investor Insight, with online connections, Retirement Planner, Debt Reduction Planner, Net Worth Analysis which will allow you to print the results to take to a loan institution, Home Inventory, and Mutual Fund Finder. Some of these things for me are superfluous, but some people wouldn't be without them. There is a good manual and much onscreen help.
Tips come up automatically, but can be disabled.
It's easy to go to the Desktop, too. Several banks in the area offer online banking using Quicken. Reading the packaging, I discovered that the deluxe version has Quicken Basics Videos. So I popped in my CD to see what that was all about. If I were not doing this review I probably would not have noticed it, and I may not have tried out the other deluxe features.