I ordered a CD and was told I only had to pay for shipping. They tell you you have immediate access but make it sound like that immediate access occurs when you receive the cd. In the meantime, you are charged $69.95 after 7 days has passed and you haven't even gotten the cd yet. Also they sign you up for Ideal Wealth Builder without you even asking for a membership with them and they charged me TWICE for $29.95. I lost my job in September and cannot afford this!