I feel like I need to post a review in the interest of balance.

I used The Missing Sync 1.x for over a year for syncing my BlackBerry. I never had any of the horrible problems encountered by other people.

My wife also used a copy, the only problem she encountered was that it failed to handle some accented characters--and that seems to be because the BlackBerry OS doesn't support all European language character sets.

I've now switched to BlackBerry's free client, and I haven't tried Missing Sync 2.0, but suffice it to say there *are* satisfied users of The Missing Sync.

I got the big red "FAILED" message, even though it worked fine.

It'd be nice if you actually said what LMU and SMS are.

I know of SMS as cell phone text messages, but clearly that's not the case here.

Disk Utility does AES encrypted volumes, and is free with OS X, so all this really gives you is Blowfish. The other encryption algorithms it provides are insecure enough that you may as well not bother.

The big thing Liquid Ledger does that Quicken can't handle at all is multiple currencies. If you need that feature, the choice (as far as I know) comes down to Liquid Ledger or Moneydance.

I picked Liquid Ledger, as the interface is just so much nicer. It obeys the Cocoa human interface guidelines, and a great deal of care has obviously been put in to make sure things are done in a direct way. Want to rename an account? Just double-click and type the new name, and it updates everywhere instantly. Want to undo something? Infinite undo, with descriptions of what it's going to undo each time. Want to focus on a particular expense? Slide out the accounts and click that expense account, just like choosing a folder in Apple Mail.

I did experience one crash attempting to import data--but I was attempting to import HTML as if it was OFX. Oops. Since I got all my data in, it's been fine.

If your requirements are fairly standard--banking, savings, a few shares and some real-estate--Liquid Ledger is well worth a look. I managed to find a downloadable demo, which they seem not to publicize.