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You are complicating something that really isn’t that complicated! I own the equivalent of four weeks...we bought two fixed weeks and bought points twice. Our first week was acquired over 20 years ago. We have had wonderful trips! When we were young and still working, it put us in accommodations we would never have been able to afford otherwise. I will take a unit with multiple TVs, bedrooms, bathrooms a living room and a kitchen any day over a hotel room. We have been retired for a number of years....these timeshares have allowed me to take the kids and secure multiple units...enough space for everyone.. a timeshare is not a financial investment....it is an investment in a lifestyle.