We have all seen the infomercials that offer audio and CD-ROMs that help you be on your way in the cash flow business. I think these programs only work if you have experience in real estate, notes, brokering, etc. If you have no experience and want to try then go ahead but be aware that they might try to sell you additional products. You should first research the product you are going to buy online. Do a search on cash flow and see what comes up. I find the best place to see if it works is on a message board. People on the message boards are usually honest because they are not the one selling the product. People often return or get refunds for products so they might sell it for a discounted price. Call the 800 numbers and ask about discounted materials if you are looking for something inexpensive. The best place to start if you are a newbie is at paper source they offer a free e-course weekly.