I also use the Gaier software on Money 2005 in the UK and it works fine. Money creates temp files ending *.lrd that can cause problems although not as serious for me. This seems to be some kind of device to prevent there being two occasions of the prog open.
If you launch Task Manager via ctrl-alt-del you may well see Money still running although you have closed it. Ending it in Task Manager fixes it.
Of course one needs to keep lots of backups but you already do that don't you?
AS
Dr AS