I see a lot of talk, okay, arguments, about text "above the fold." First of all, what does that mean and secondly, is it good or bad? Forgive me, I use to write webpages way back in the day when folks still used HTML, but I'm old now and out of the loop (also slightly insane, but I'm okay with it). Thanks in advance for answering!
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You are right, it was ads and not text. Great answer, thank you! :)
Nope, comments are fine. I don't know how much, or if at all, they help (Google doesn't release a whole lot about how the algorithms work exactly) but they won't hurt.
Judging from personal experience I would say keep as many comments as you can (unless they are SPAM or offensive), it definitely helps generate traffic. My most popular hubs have loads of comments and it keeps people coming back to see what's new.