WARNING! If you switch to QB Online and have any need to look at your local hosted QB file(s), you will still have to pay BOTH subscription fees to do so (online and desktop). You can migrate all the data to online to avoid this but if for instance you have 2 or 3 files from lets say prior years, records before a buy out, etc that you are used to accessing, you will WILL lose access to the desktop app. Don't be fooled when they say, "You will still have access to your files." This is true but you won't be able to read the files.