Alright Kev, after many hours during each of several days, I have come up with my conclusions. Quickbooks 2013 http://www.amazon.com/s/ref=nb_sb_ss...13%2Caps%2C244
in conjuction with QXpress http://www.qxpress.com/
is the way to go for the newbie. Emphasizing the importance of getting to know your software is extremely important and some homework is inevitable. Also be aware the unsuspecting upgrades that do cost arise, but as I have read(not confirmed), one can opt not to upgrade. Theory being, if it is not broke, don't fix it is my going about things.
Now, if you are to become one of the big dogs in the area. Check out Real Greens software capabilities. http://www.realgreen.com/index.html
Holy S#!+, they are impressive.