I am working on this since my last post and thus far its not working as I expected but I am still pushing buttons trying to figure it out, After creating the two transfer events I used them with my own account to transfer from savings to the cracker account , the balances didn't update instantly so I knew that it may not refresh right away and went to find I had the scheduled task disabled at the moment. I re enabled it and ran it. it updated the balance in my cracker account but did not subtract from the savings. I ran a couple of refreshes and did another transaction, that one added money too but didn't subtract any. and then I found in the currency properties that I could do a mass conversions. of the other types. so I ran that .
I'll keep working at it and I have a good learning curve but if you get this back before I come back to say never mind please elaborate on the details of this, encase I am being a complete idiot still.