Two questions from a newIB. 1 the data fee, do i have to pay for each data, or i can pay one big sum like $50 for all data? http://www.interactivebrokers.com/en/accounts/fees/marketData.php?ib_entity=llc 2 can i transfer margin/debt from my current broker? i have 250k debt 3 i would like to do a partial transfer, since IB is not so good on penny stocks. 4 does IB have ACH, bill pay etc? I have expense in USA that I need to pay every month. 5 is MB better than IB in any way?