like any business, you have to show a gain 3 of the last 5 years or so or risk having it called a hobby. OK , I have a hobby of MS.

You guys talk of large amounts you are dealing with already, so I would think this would simplify things.

scary story about discover! things are SO intertwined these days. And I haven't done the merchant account idea yet, but thought they want a bank account to send the money, you yourself wouldn't even need a credit card? because your wife (an employee of big company x) opened the merchant account, it's guilt by association? or she has to pledge responsibility as owner / executive of company x?