Who told you? They probably meant you have to buy the Home & Business version. But you don't. If you buy a personal Desktop program you can buy any version. All the personal desktop programs have the same forms. You can enter the K-1 you get from the Trust return into any desktop program. If you want to use the Online version for your personal tax return you will need Premium to enter a K-1 or to enter a carryover loss from last year.
What do you mean a "second business"? Do you need to do another separate Business return? The Business program you have can do multiple different businesses.
You can buy the personal Desktop Download program here or in stores or online like Amazon, Costco, Walmart, etc.
https://turbotax.intuit.com/personal-taxes/cd-download
