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Honesly there is ABSOLUTLY no substitute for trying out the programs extensivly. I use SPB finance and like it allot, though I could suggest several fixes and missing options to the developers. Just use one for the entire trial, and note what you like and hate, and then do the same for the other. It all depends on how you use it. Thats why I use Resco Explorer rather than Total Commander. I like the functions. SPB Finance excells with thier today plugin, chart and diagram views, and the thumb expense imput panel.
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