I signed up for Lumosity in May of 2014. I thought the $14.95 was a one-time charge. In fact, it's $14.95 per month. That is not something I saw at all, and feel it's more than a little deceiving. Took me two more months to really see the charge (yes, that's my fault). Though, I also feel that it's what Lumosity counts on -- that people won't notice/investigate that small amount coming out of their bank account. Lumosity refunded ONE month of $14.95 when I complained to both PayPal and Lumosity directly. I guess the other month was the price for lesson learned. Yup, I guess you could call that Brain Training of sorts!