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Exchange cost: $75 to $95. Deeded. Expires in 2054. Apply $768 CD investment profits toward cost of reserving 11 nights in a studio $2,204 through Travelocity ($ 3,453 through Disney) throughout low season (Sept. 9-16) = $1,436. Compare with $597 yearly charges. Benefit: Timeshare by $839. Satisfactory. One grievance gotten and solved in previous 36 months.

407-238-7676 $19,500 plus $489 closing costs and $723 annual upkeep fees/taxes. 7 nights in a 1,250-square-foot, two-bedroom villa with complete cooking area throughout low (" gold") season with floating weeks (beginning Fridays, Saturdays or Sundays May 4-June 3 and Aug. 31-Dec - how does a timeshare work. 23 in 2007). Reservations enabled 12 months in advance (13 months for multiple-week owners).

Can also divide into one week in a studio and one week in a one-bedroom. A gold week can be exchanged for a gold week in any other Marriott Holiday Club home. Within Marriott Trip Club's Florida Club (5 resorts situated throughout the state), appointments enabled six months in advance; no exchange charge; split weeks of 4 nights/three nights allowed.

Through Interval. Exchange cost of $135 domestic, $149 global (how to get rid of timeshare legally). Also, $84 yearly membership charge. Minimum buy-in equal to 90,000 reward points; hotel spaces cost 7,500 to 35,000 points per night depending on category. Exchange for points is enabled every other year. LEGALITIES: Deeded in perpetuity. Apply $999 CD investment incomes toward $2,071 cost of reserving separately (low season, May 5-12) = $1,072.

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Advantage: Timeshare by $349. Unsatisfactory. Twenty-five grievances gotten in previous 36 months, 21 solved or business made "every effort to resolve." International DriveOrlando, Fla. 407-238-5000 $13,900 plus $395 closing costs and $321 annual upkeep fees/taxes. 37,000 StarOption points, the equivalent of seven nights in a follow this link one-bedroom, 584-square-foot rental property with kitchenette throughout weeks Jan.

10, May 4-June 3, Aug. 3-Sep. 23 or Nov. 30-Dec. 15. Bookings allowed 12 months in advance. Weeks can be separated within 90 days of arrival just (no fee). 37,000 points will book a one-bedroom for one week at Harborside Resort at Atlantis in the Bahamas, for instance, or a one-bedroom mid-season at Sheraton Mountain Vista in Avon, Colo.

Split week or day-to-day appointments accepted as much as 90 days in advance of arrival only. No exchange fees. Through Interval. Exchange charge of $135 for domestic resorts, $149 for international. One-bedroom deluxe rental property for a week amounts to 15,000 Starpoints, which would purchase you, for example, anywhere from two to 7 nights at a Starwood hotel.

Charge is $99. Deeded in eternity. Apply $715 CD financial investment incomes towards expense of booking independently $1,891 through Travelocity. com ($ 2,118 through Sheraton) during low season (Jan. 6-13) = $1,176. Compare with $321 yearly charges. Benefit: Timeshare by $855. Satisfying. Thirty-three grievances received in previous 36 months. All either solved, or business "made every effort to resolve." (previously Fairfield Orlando at Bonnet Creek) Via EncinasLake Buena Vista, Fla.

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84,000 FairShare Plus points, or seven nights in a 902-square-foot, one-bedroom rental property with full kitchen throughout the off season (April 15-May 20; Sept. 9-Oct. how to get rid of timeshare without ruining credit. 7; Oct. 28-Dec. 23). Week can be broken up. Bookings enabled 13 months in advance. 84,000 WFG is Outstanding FairShare Plus points would, for instance, cover a week in a one-bedroom system in high season at Wyndham Branson (Mo.), or five nights in a two-bedroom in high season at Wyndham Sedona (Ariz.).

Bookings allowed 10 months in advance. No exchange charge. Through RCI, which represents more than 3,700 resorts in about 100 countries; 84,000 FairShare Plus points gets you about nine nights in a studio-size system in red season, RCI's high-season weeks. Exchange charge of $149 domestic, $189 worldwide. Permitted at 5 Wyndham hotels in St.

84,000 points would cover a two-night stay at the Wyndham Midtown Atlanta, for instance. Deeded in eternity. COST PERFORMANCE: Apply $675 CD investment earnings toward cost of booking independently (systems are not rented by Wyndham to public, but owners normally rent their one-bedroom units to outsiders for about $1,400 a week during low season) = $725.

Advantage: Timeshare by $310. Unsatisfactory. Of 435 grievances gotten in previous 36 months, 414 resolved, or company "strove to resolve." Arrezzo WayOrlando, Fla. 407-465-2600 $14,990 plus $595 closing expenses and $450 yearly upkeep fees/taxes. 3,400 ClubPoints, the equivalent of 7 nights in a 900-square-foot, one-bedroom system with complete kitchen during low (gold) season (Jan.

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3; April 21-June 9; Aug. 18-Oct. 27). Bookings permitted 12 months in advance. Week can be broken up. 3,400 ClubPoints suffices to lease a one-bedroom villa throughout gold season at any Hilton Vacations Club property. Can be gotten into three-night-minimum increments. Transfer costs range from $49 to $69. Appointments permitted 9 months in advance of checkout date.

Exchange cost of $164 for domestic resorts, $199 for global, plus $90 annual subscription charge. Week can be gotten into three-night minimums. Minimum purchase is equivalent to 78,200 Hilton HHonors points. Can be developed into benefits points every year. One night hotel costs in between 7,500 and 80,000 points, depending on classification.

Deeded in perpetuity. Apply $779 CD revenues toward expense of $1,488 scheduling independently (Jan. 6-13) = $709. Compare with $450 annual fees. Benefit: Timeshare by $259. Unsatisfactory. Sixteen problems gotten in past 36 months, 13 solved. Coconut Point Resort Drive Bonita Springs, Fla. 239-947-7300 $15,000 plus $362 costs and $934 yearly upkeep fees/taxes. how to get out of timeshare contract.

15-22, 2007). Appointments can be made 18 months before purchased week. Owners can schedule the unit they own as late as six months prior to their acquired week. Ownership value automatically converts to Hyatt Gold Passport points if no booking is gotten a minimum of six months beforehand. Minimum buy-in week (bronze, or low, season) is comparable to 1,300 points, which can be traded for low-season weeks in the majority of Hyatt holiday club residential or commercial properties enough, for instance, to get you into Lake Tahoe's Hyatt High Sierra Lodge in spring or fall.

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Transfer costs are $39 for complete week, $74 for split week. Owners likewise can divide their two-bedroom, staying for one week in a studio and one week in a one-bedroom. Through Period International; minimum buy-in gets you a week in a two-bedroom during high season at a premium property. Exchange costs are $135 domestic, $149 international.

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A bronze week in a two-bedroom amounts to about 53,000 points. A night at a Hyatt hotel costs 5,000 to 15,000 points. Deeded in all time. Apply $768 CD incomes to expense of booking individually (week-long rentals are not typically available, but typical nightly low-season rate is $444 or $3,108 for seven nights) = $2,340.

Benefit: Timeshare by $1,406. Not rated. No grievances filed in past 36 months. PHOTO: Walt Disney Co., Marriott Trip Club International, Starwood Hotels, Wyndham Getaway Ownership, Hilton Grand Vacations, Robert Starling.