Just jumped ship off IHUB, cancelling my subscription tomorrow and that will give me another $59.00 a month towards FITX.  Sure learned the expensive way. Sold my 1.3 million shares and made 5k, thought I did the right thing until FITX stock started gapping. Buy the time I had "settled funds" it was rebuy time, now I have 230,000 shares. What a costly education. Glad to see the voices of reason are on this board. I do have reasonable questions like I am sure many others do. For me, I have 5 years until retirement and plan to keep accumulating.  I know this is long winded but just had to get it off my chest......no more IHUB for me.  Good luck to all.