Optional reading of limited interest (no pun intended) for F2O users.

[Cal Learner]

I thought I would shares some thoughts on a change I will make for myself, and as usual, will make that available for others.  I don't need help, but I would consider comments. Most people would not benefit from reading on.

Money uses a FITID for each transaction, and remembers it as its method of not entering the same transaction twice into the register.

F20 looks at the Accounts_History lines, and generates the FITID that includes a hash of the whole line. That generally works well.

I have run into a single investment, which changes its interest rate based on

started with a 7% teaser rate for 6 months , then 1% over the SOFR index. I look at SOFR as essentially a successor to LIBOR. https://sofracademy.com/current-sofr-rates/

The problem is that both the Action and Description columns of  Accounts_History*.csv change a bit. For the  March 30 interest payment, my action column has contained each of these at times:

INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.69512% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.68994% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.68773% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.68679% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.62018% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.62370% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.62805% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.63976% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.63843% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.64255% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.64351% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.64770% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.64819% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.64687% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.64050% 06/29/2027 (Cash)
INTEREST CANADIAN IMPERIAL BANK OF COMM MTN 4.63729% 06/29/2027 (Cash)

So my plan is to make a special case. If the line contains "CANADIAN IMPERIAL BANK OF COMM MTN" followed by a number followed by '%', to remove that number from the string to hash. Then generate the hash using what is left.

I will enter info into my F2O_cfg.py to tell F2O about this. I have a couple ideas. I expect something like if "SPECIAL_MODIFY_LINE_FROM_HISTORY" is defined, then look at the value and modify any line that meets the criteria in a way. That will involve some REGEX. I have not picked a method, but I am considering some.

If "SPECIAL_MODIFY_LINE_FROM_HISTORY" is not defined, continue as usual.

I was thinking I would run it by anybody who might be intersted. I know ways, but some ways will be better. If I decide to have the user enter REGEX, that person could just describe the situation in a post here, and somebody would state what the expression(s) could be.

Right now, when I get a new "CANADIAN IMPERIAL BANK OF COMM" transaction for 03/30/2026, I select NO which enters the transaction marked **VOID**. That transaction then gets ignored until the next time.  

If I do this, I may make my IGNORE_BEFORE_YYYYMMDD set to a newer date such as 20260331, because otherwise this will generate one last different FITID for the same transaction. Then this feature will only affect me when the next interest payment is made.

[Cal Learner]

I forgot one thing I meant to ask: has anybody else noticed a similar situation where the same transaction gets presented again later? Keep an eye out.

[Cal Learner]

Currently I have added this line to my F2O_cfg.py configuration file to work with my under-development F2O.py:

 SPECIAL_MODIFY_LINE_FROM_HISTORY=("INTEREST CANADIAN IMPERIAL BANK OF COMM MTN",r" \d\.\d+%")

That says that if the History line contains "INTEREST CANADIAN IMPERIAL BANK OF COMM MTN", then replace any occurrence of a space, a digit, a decimal point, one or more digits, and a % character with a string I selected.  I will never look at directly, but that modified string will be hashed to help make the FITID for the transaction. If that percent changes in the CSV for the same transaction, the FITID will stay the same.

I am considering other names. Early list of potential alternate names:

 SPECIAL_FITID_SUB
 FITID_FIX_TUPLE
 FITID_FIX
 FITID_FIX_PATTERN
 FITID_FIXER

[Ameridan (microsoftmoneyoffline.wordpress.com)]

The way I would handle this varies from what you have planned, but anyways I'm throwing it out there...

All of my Schwab account transactions are now entered manually for the upcoming year, and the investment names don't matter. CD semiannual interest and redemptions.  When I reconcile, I sometimes have to correct the amounts.  Anyways, I would just rename to  CANADIAN IMPERIAL BANK OF COMM MTN VAR% DUE 06/29/2027 in Money and your F2O_DB with the proper CUSIP, enter the 2 anticipated interest payments for the year, and let Money match them as they come in via ofx.

[Ameridan (microsoftmoneyoffline.wordpress.com)]

The name change may be enough :)

If the fitid changes, just select Change > Match to a different item. Then it is  assigned the newest fitid.

[Cal Learner]

This is a highly unusual situation where the description changes 5 days per week. The great majority of people would never run into that.  Trying to match to an existing transaction in two accounts for the same security would become big chore.

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