As you've found out there are many different kinds of software available for business use. Each brand and type has it's pros and cons depending upon what you need to use them for. There is a discussion in another thread regarding QuickBooks and other software available for small businesses that I think you might find useful. That thread is located here: Who here uses QuickBooks?
Best of luck in finding what works best for you.
QuickBooks will do everything you outlined. Usable off-line also.
I Have completed some computer classes in college, but with all the changes my skill is marginal at best.i have purchased several different kinds of software hoping to find something for making business and employee checks, also for business files and generating yearend reports. I want software I can use offline.