Ok, thanks for help and info... did the "Google" and looked at some cool charts.
I have decided 1-20 Gallon will be for 2-Goldfish

and a bottom feeder only.
My New (just cycled 20 Gallon) I will go with:
8-Neon Tetras
8-Cardinal Tetras
1-Clown Loach (small)
adding some more plants and hopefully will come home with a few snails!
I think that will make a nice Tropical tank for me and My Grandaughter!
Please advise if I have missed something or need to add anything else, Thanks again for everyones Help.
I am getting addicted to this thing already

.
PS. Jay... you were right (the lime rock did raise PH in a bucket of water so I will not add to my tank) Thanks for the warning.