Is it possible to use the download PC version and THEN upgrade for LIVE to get help
Unfortunately, no.
do they make me pay for 4 separate LIVE versions?
Yes. You have to use the online version of the program, and each tax return completed with the online version requires it's own separate account. Note that you can create up to 5 accounts per e-mail address. But you would have to pay for each account, and pay for the LIVE version for each account.
