." - which to me indicates the same doubts that I have about the legality of the IRS position.Until the IRS is challenged in court over this position and loses, I choose to comply with their position.

They stated that they were not a lawyer so they couldn't comment on the legalities of my question and they still worked for the bank so they couldn't give me any more info without losing their job but assured me that I was on the right track, keeping asking these questions and don't stop until you find your answer. 

It's all fun & games, until someone loses money.

I recommend you find a way to give these animals away before you lose control and end up on a reality TV show.

Perhaps that’s changed but it was enough to make me lose interest in ever trying again.  

Does sound like a great way to get sued and lose though.I get where your coming from on that.

If you get hit with an 8 or 9 you’re going to lose $10,000 or more, not $3-$6k. 

No money troubles but I did lose my whole family earlier this year and dealing with some health issues as well so I don't really appreciate his extra unnecessary unwarranted crap everytime I have to deal with him and really im just trying to save my home, it's all I have left.

If you try to go over the whole list, you’ll lose the attention of an average person and they won’t remember anything!

I've been religious about this because I know how easy it is to lose track of what you're spending when it's all going into and out of a single pot.