If you have a certain link you can slip under the radar. I just got one of them for $39.95 last week(don't remember which one). Do a search on this board for both of them and the link should pop up somewhere, Sorry I didn't save it.
https://www.econsumer.equifax.com/webapp/ConsumerProducts/pgConsumerProducts?^start=&orderSource=RCW&PP=P3 -0m
Caveat to existing customers-- I cancelled my CW so I could re-subscribe under the MS Money promo. No problem cancelling, but now I can't resubscribe b/c my file is too big. At least, I assume the file is too big. They assure me that I will be emailed as soon as my transaction is processed. (D'oh!)