@Rainflurry 

Thank you for all of your information.  I do have a follow on question.  We have 2 accounts at bank - 1 for our Reserve Fund (a money market account) - and 1 for our Operating Account (a checking account).  We just had a capital expense that needs to be paid from Reserve Fund.  In order to do that - I need to transfer the amount due to the vendor from our Reserve Fund account to our Operating Account in order for a check to be cut.  As these accounts are linked in QB, I will see the transfers in both the Reserve Account and Operating account.  I want to ensure I am recognizing this in our books (balance sheet and income statement correctly).  How do I record those transactions properly in QB per what you suggest in the thread to ensure things are recorded properly.  Just want to get it right.  Thank you very much for all your help in this thread!