Russ Dalbey is offering a cash flow program for $140.00 called, "Winning in the Cash Flow Business".

  This course is designed to teach you to become an investor by starting as a broker of cash flow notes.

  A cash flow note is a type of promissory note used in special cases such as lottery winnings, structured settlements, private mortgages, and others.  It's a difficult task to locate people with cash flow notes and negotiating with them is usually even tougher.

  "Winning in the Cash Flow Business" functions by you trying to locate someone
receiving a monthly payment from a lottery winning or lawsuit etc. You agree to pay the person a lump sum amount at a discount instead of the monthly payments they're currently receiving.

  Then you have to resell this amount at a premium price to somebody on the lookout for a long-term investment. The difference in the bought and sold price of the note is your profit.

  But actual Dalbey customers have complained that in order for you to have all the tools and info necessary to start, it can cost you $2000-$14,000 or more, and high pressure callers call daily, trying to sell you another "necessary", and costly "back-end" item.

  According to some customers, after buying into Russ Dalby's "Winning in the Cash Flow Business" they received tons of calls offering them mentoring programs, providing leads, and other up-sells. 
All these calls are from Russ Dalbey's organization.

 When queried about this, the Dalbey people did not dispute the calling to upgrade, but they did say that different people have different needs, and they want to make sure each customer knows about all the optional upgrades, so that those who "want to invest in some additional tools" may do so. They also state, "The course contains all the information someone would need to become a success in the note business."

  The Dalbey people have not disputed the $395.00 cost for the website you need.
However according to their previous statement about upgrades, a website is not necessary, it is optional.

  The course also included many other offers within the material itself.

Some of them are;

   A bimonthly e-zine for around $125, a collection of 50 management documents for
around $200, a special calculator, and so on.  The people we have heard from, said the course materials did not contain any concrete or solid information or guidance.

  The customers have said the whole business was totally chaotic and it seemed impossible for them to make any money out of this course.

  I think Russ uses this chaotic aspect as a way to sell you more products to "help you out."

  Although Russ Dalbey's course "Winning in the Cash Flow Business" offers a ninety-day refund period, it seems to me that most people would need to spend more than ninety days to read the material and get started, and understand if it's of any use to them.

  Overall, Russ Dalbey's program "Winning in the Cash Flow Business" seems to be
unethical, convoluted, and extremely difficult to put to practice.

  It's best to stay away from "Winning in the Cash Flow Business" or any of Russ
Darby's programs or courses.