If you are interested in the income cloner by charles ryder, please read all of the ads very carefully. Towards the end of the add where you pay S&H for a free DVD, you are actually signing up for a monthly charge of $97 per month that will automatically be charged to your card. But it states this near the bottom of the ad, which repeats itself multiple times until you are tire of reading the same thing over and over, so that you don't notice it. Also, the 30 day money back guarantee is worthless. Cant get my money back. Just beware before ordering the free DVD.