I am user of Money since 97. I upgraded to 2000 without
any problem three years ago. Both were US version.
Last week I bought Money 2004 and I got the famous
message "incompatible file" (the FAQ of FAQs). I couldn't
believe it! I came to this Newsgroup and learnt that it
is a problem of Language version, affecting a lot of
people, but still, it did not solve my problem. In fact
the version I bought this time was English Int'l, instead
of English US. The solution posted at
http://www.bollar.org/msmoney/#Q1 is just not acceptable.
But I think I have the real solution. I did the following
and it worked fine for me. If you have the same problem
try it (otherwise you have to export one by one all your
accounts to Quicken and re-import again,... and pray to
avoid inconsistencies):

1) Uninstall MS Money 2004 (the one you just bought)
2) Download the trial version of MS Money 2004 in the
same language as your previous MS Money (2000 in my case)
3) Just in case you are using a different computer this
time, be sure to use the same date format as before.
4) Install the MS Money 2004 Trial version
5) Open your Money file. The program will automatically
create a new one (.mny) in 2004 format and a copy of your
original file renamed to .MNx (x=8 for version 2000).
Keep that file just in case.
6) Unistall the trial version
7) Install the MS Money 2004 version that you have
8) Open the .mny file, and you should be ready to go...

I hope this help somebody else, because it is frustrating
to see that MS Money is able to import any kind of
Quicken version (even in different language formats) and
not MS Money version, which are the current "customers"
of Microsoft. If someone from Microsoft is reading this,
I suggest that you implement the solution in the next
upgrade or post a download in your web with a converter.
It shouldn't be that difficult.