I have been a member of Costco and Sam's club for several years. Recently, a friend, described a program that I had never heard of called Team National to me. I don't like the idea of network marketing, MLM or home-based business schemes, but what impressed me was the savings that this program offered on everything from consumer products to things like health insurance, mortgages and financial services. From what I can tell, the program is legitimate. It hasn't been the subject of any federal or state attorney general consumer protection actions, it is publicly traded, and it has been around for the past 12 years. I had been considering joining Direct Buy; however, they wanted a $6500 membership fee in order to get their discounts. Team National discounts are substantial, and available even if you do not join their program. That's more than I can say for either Costco and Sam's Club.