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There are 2 things about ownership. 1st you need to come out purchase money. If you are working, sometimes, these money will come and go. You may sepend it on travel, you may spend it with no good reason. If you are approaching retiring, this is going to be your tool to generate income or reduce your debate more likely. At least until you know how much you are spending. 2nd is every year, you have to come out MF (Maintainence fee) and SA (Special assessment) if it happen. And to use the TS so you don't waste your MF and SA, you will have to come out more money at least to travel to that places. And if you just like to be in different places, then you will come out more money to do seesight.
As TS owner, you also need to remember 1) you have no control over MF/SA. It is not like your home, if your carpet is wore, or kitchen is outdate, a plate is broken, you can delay to replace it until you have enough money to pay. TS is controlled by a lot of owner, so if something broken, it will be replaced, if something is outdate, it will be remodeled, and it may or may not come out a convient time. 2) it is a market supply out bigger than demand in lot of places. So unless you know what you doing, you may expect to loss even if you buy resell.
Now, let us go back to different opions. If you don't plan to stay in the same places, then you are basically doing the similar things as an renter. And most of time, exchanger will be for bargin hunter. There are times, you use exchange to go places you did not go. But since you already pay MF for your TS, it makes you loss your selections. So you will be going to places where there is enough supply of TS for exchanges.
When you 1st start, you list the times and places you like use the TS is when there are enough supply of TS in the places you like to go.
So to make it worth, people wll suggest you can buy a point system or a prime lock off week in prime location and split it.
Now, you start to think you are in a world where TS is everywhere, and think the same maybe able to achieve on prime season and location (Winter in FL beach fit this well).
If just look at the current places you list, and the time solt, I can probably say you should buy a point system like Blue Green, and you will achieve what you want to go.
But if say in 3 years, you suddenly develope a desire to go to Asia or East European because you want to enjoy different culture, then TS will not help you, and you will think TS is a lousy product because you feel like you are stuck to places only have TS unless you are very comfortable of renting them out.
I think you need first figure out what kind of travel style and live style you have in mind, then look at your finacial situation to figure yourselves out what is the best approach.
TS definite can say money. But the big save is when you travel with several kids and have to be in prime season. When you now have all the time in the world, and in a situation where you may choose to go or not to go, you can always wait for the best rental deal to come out then go, then owning does not make too much sense at all. But if you are very commit to travel every years say for 3 month, then you need carefully planning how to add TS or other travel owning into your mix so it beat renting only. Because now most of the time when you travel, you can even take a stdio, so you need extreme careful about the MF and exchange fee.
Figure in next 5 years fisrt, it will help you much much more
Jya-Ning
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