I've been an IBD subscriber a number of times, the most recent running till approx 7/2020. Last year, after a 3 hr trip and an overnight stay to listen an IBD Seminar, I purchased a 3 month trial IBD offered. Though personal commitments made immediate usage impractical, the IBD order said they'd accept an immediate purchase with an open start date so I made the $ 99 purchase. Several months later, I found an IBD charge on my credit card for an automatic subscription extension. Never having activated or the scrip in the first place, I asked that the charge to be removed which was reluctantly done. Several months later, when I called to activate the subscription, IBD refused to provide it. Their peculiar behavior and refusal to provide the service they'd been paid for greatly diminished my confidence in their integrity and value as an honest and reliable supplier, caused me to ask them to cancel the approx 10 month balance of my IBD delivery and online subscription and return the balance of my prepayment. Sorry to say, I can't recommend IBD any more. Jack Napor 412 722 09011