Richie and John
Thank you again for your responses. I did change transformers and it shorted out again. Then I checked every track to ensure the connections were tight; they were. I took everything off the tracks and powered it up. I did hear a humming sound, and that was not good. I took the multi meter I have and listened to where the humming was loud. Sure enough after verifying with the meter I checked the wire drops and the ends were touching ! They are not connected to the blocks at this time (since I am starting to add DCS, to gain some familiarity then use star wiring technique. ). I placed an engine on the track and away it went !
Over time I will become better electronically, but I do appreciate your suggestions !
Thanks again !