Thank you for the info Fiat.  However, $550 per year is ridiculous for my one-man handyman business.  Also, with the unresolved issues I was having with switching companies (to personal accounts), I could not trust what I would be buying.  QB Online also wants a monthly fee for each company, so I have had to find other accounting software for my personal accounts.  If QB wasn't so greedy then I could still be using my QB software from 10 years ago that I probably purchased for less than $200.