I ORDERED 'TOTAL MONEY MAKEOVER' BY DAVE RAMSEY IN JUNE - IT WAS RECEIVED, CHARGED TO MY CREDIT CARD 'CHASE' AND PAID. NOW THIS AUGUST BILL HAS A CHARGE FOR $19.95 - I DID NOT RECOGNIZE THE CHARGE AND CALLED THE NUMBER ON THE BILL. I WAS TOLD IT WAS FOR MEMBERSHIP FEES...I DISPUTED THIS AND WAS TOLD I JOINED WHEN I GOT SUCH A GOOD DEAL ON THE MONEY MAKEOVER BOOK (I SAVED $5). OF COURSE, I SAID 'YOU ARE WRONG' - PLUS, WHY IF I'M INTERESTED IN SPENDING CAREFULLY ie Money Makeover, WOULD I BUY A MEMBERSHIP IN... read full review »