I think I understand everything except for when you say "in tools execute the command setstakesplitthreshold 200"
When I go to "tools" the only word "console" I can find is under the heading of "debug console". But when I click on that "console" tab I get this:
15:38:52

Welcome to the Terracoin Core RPC console.
Use up and down arrows to navigate history, and Ctrl-L to clear screen.
Type help for an overview of available commands.
And below at the bottom of the "console" window is a command bar, but when I type setstakesplitthreshold 200 in it, nothing happens.
So, basically I'm stuck.
Thanks for any more help you might give. I really appreciate it!