THIS COMPANY SENDS OUT A "FREE" DISK FOR GRANT SEARCHES. THEN THEY CHARGE YOU 69.95 PER MONTH. a MONTH OR SO LATER THEY HOOK YOU UP WITH IWBCLUB (UNBEKNOWNST TO YOU) AND CHARGE YOUR CARD $30 PER MONTH. iwb CLAIMS TO BE A CASH FLOW ADVISOR...AFTER CALLING TO CANCEL AND REQUEST REFUND OF THE TWO MONTH'S I WAS TOLD THEY CAN ONLY REFUND 1 MONTH BUT WILL SEND FORMS TO GET THE ADDITIONAL REFUND. THEY CANCELLED MY MEMBERSHIP PER REQUEST AND THEN HAD THE UNMITIGATED GALL TO TELL ME I WOULD BE RECEIVING A PHONE CALL FOR A SURVEY TO SEE IF I NEEDED THEIR SERVICES. THIS IS A TOTAL RIP OFF COMPANY.