I guess what's throwing me is what I had understood ( which is wrong of course that they consider depositing the money back into my checking account "selling". So I had the coins in Binance and I paid a "fee" I guess to exchange it to Coinbase. So now my coins are sitting there and I say "hey, let's deposit it back into my Acct"

Don't ask me why, it's stupidity on my part, but for some reason I never thought that was actually selling!  Came from the notion that I was doing a lot of buying and selling but never cashing it out. I would sell, but the money would go into the account and then I would buy something else with it.  At that point all the fees are paid unless I want to buy something else.

So Lesson is learned.  Cashing out to put it into your checking account or buying something else is the exact same thing and for some reason I just did not think of it like that.  For some reason because it was already in my Coinbase account all I was doing was " depositing my LTC into my checking account with all fees previously paid"

In retrospect it was a pretty dumb way to look at it because obviously I need to sell the coins in order to convert it into cash...

CRAP!  Now that means I need to Learn to read.. LOL