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2014 Timeshare News

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In the area of “Timeshares” there has been some positive movement as of late.

Even though we recommend that those who buy into Timeshares have high discretionary income and  have adequately addressed their finances in all areas—we realize that when Timeshares are promoted they can often be difficult for some to resist.

What Exactly Is A Timeshare?

With a Timeshare you are basically purchasing the privilege to utilize a luxury accommodation  in a resort or hotel for one week or another time frame that would be specifically spelled out.  You would  then be able to take your vacation and enjoy it in a resort type setting.

Most Timeshares are corporately developed and managed  by the major players in the resort and hospitality industry.  As of 2012 Timeshares in major cities were increasing and you can now buy into a Timeshare in many of the major cities in the United States.

The “upfront” price is based on the size, location, amenities and the time of year that you visit.  The prices can range from $5,000 a week to as high as $50,000 a week depending on your choice and package. 

You normally would purchase for a specified number of years or for the remainder of your life—unless you sold the Timeshare!

Most buyers are now paying cash.  However financing is available in many locations but the rate is usually well over 10%—plus you will have the customary annual maintenance fee that could easily approach $1,000 annually in most locations.

Ownership Option Types:

1)    Fixed Ownership

2)    Floating Ownership

With Fixed Ownership you would be locked in for the same time period each year and it is the less common approach.


With Floating Ownership you can receive your ownership on a first come—first-serve basis which gives you more flexibility. 

Your home resort (company you purchase your Timeshare from) would normally have a portfolio of properties with the Floating Option and you could technically switch to other venues within the portfolio if available.

You may also have a “trade option” which allows you to trade through an exchange company such as RCI or Interval International along with a number of other national and international companies if you wanted to further enhance your travels.

In addition, many companies add their own twist to Timeshare Ownership and new ways of packaging and selling timeshares occur often.

It is important to make it a point to be aware of what is on the market and make certain that the ownership form that you desire is the ownership form that you purchase.

If you are seriously considering purchase of a Timeshare Property—whether by deed or by right-to-use you must know what you are purchasing and you must know and understand fully how you are purchasing! 

Those who have purchased Timeshares in the past know that it can be difficult to sell in many cases and the tighter regulations although helpful, may not change that reality for many. 

Therefore, prior to purchase you must be ready, willing and able to handle the purchase of a Timeshare and you must consider all of the pluses and the minuses! 


Be particularly cautious if you are purchasing a Resale Timeshare as they can often be overpriced  and not a good bargain when compared to purchasing from a company.

New regulations do provide some protection for those who purchase from a company, but very little additional protection if you purchase from an individual.

You can now Cancel a Timeshare contract within 5 to 7 days if purchased from a company in many states.

Selling a Timeshare in the past has been difficult for many and will probably continue to be so in the future—therefore, if you decide to Purchase a Timeshare you must know all of the ramifications and have a thorough understanding of your current financial situation. 

Brokers who resale Timeshares normally charge 10 to 30 percent commission and many still have difficulty selling them so recouping what you invest is a real gamble. 

Be sure to avoid scammers and those who may work against your best interest as the Timeshare Market has been a major area for abuse in the past and even with the new regulations will be a prime area for scammers in the future. 

You can go to to learn more about ways to protect yourself if you have a need to Buy or Sell your Timeshare.

On the plus side—Timeshares are more cost effective than buying a vacation home or condo but you must look at the purchase from the standpoint of “enjoyment” as opposed to an investment or something that will increase in value in the future—although in some instances that could be the case.


To learn more about vacation ownership and timeshares:

American Resort Development Association or ARDA

Federal Trade Commission or FTC

New Purchase:



Resale Purchase:


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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner. 

He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page.  You can also get highly relevant tips on "living your life more abundantly" and link to and possibly earn revenue by logging on to

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:



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