How Time Shares Work…

A Consumer’s Guide to Vacation Ownership
By Island Consulting Realty   1-800-809-6020

TIMESHARE 101—THE BASICS

Started some 46 years ago in the French Alps, vacation ownership started out with the idea of being able to exchange one’s vacation accommodations with someone else’s. While not everyone could afford that second home at the beach, by owning just a segment of that home, or condo, it now came within most people’s reach. Add an exchange organization to implement trading your beach for someone’s mountain and bingo, you’ve got an industry!

By locking in the purchase price of accommodations, vacation ownership (time sharing) helps to ensure future vacations at today’s prices, or less, at luxurious resorts with amenities, service and ambiance that rival any of the world’s top-rated vacation destinations. The reasons for purchasing most frequently cited by current timeshare owners are the high standards of quality accommodations and service at the resorts at which they own and exchange, followed by the flexibility offered through the vacation exchange opportunities and the cost effectiveness of vacation ownership. Nearly one-third of vacation owners purchase additional intervals after experiencing ownership. This trend is even stronger among long-time owners; 41.2 percent of those who have owned eight years or longer have purchased additional intervals within that time.

Vacation ownership offers consumers the opportunity to purchase fully-furnished vacation accommodations for only a percentage of the cost of full ownership. For a one-time purchase price and payment of a yearly maintenance fee, purchasers own their vacation either in perpetuity or for a predetermined number of years. Owners share both the use and costs of upkeep of their unit and the common grounds of the resort property.

Each condominium, or unit, of a vacation ownership resort is divided into weeks which are sold separately. The weeks are priced according to a variety of factors, including size of the unit, resort amenities, location and season.

Unlike a hotel room or rental cottage, which require payment for each use with rates that usually increase each year, ownership at a timeshare property enables vacationers to enjoy a resort, year after year, for the lifetime of their ownership. Timeshare ownership offers vacationers an opportunity to save on the escalating cost of vacation accommodations over the long term while enjoying all the comforts of home in a resort setting.

Truly a home away from home, vacation ownership provides the space and flexibility to suit the needs of any size family or group. While most vacation ownership condominiums have two bedrooms and two baths, unit sizes range from studios to three or more bedrooms. Unlike hotel rooms, there are no charges for additional guests. Also, unlike hotels, most units include a fully equipped kitchen with dining area, washer and dryer, linens, stereo, televisions, VCR and more.

Timeshare resort amenities rival those of other top-rated resort properties and may include swimming pools, tennis, Jacuzzi, golf, bicycles and exercise facilities. Others feature boating, ski lifts, restaurants and equestrian facilities. Most timeshare resorts offer a full schedule of on-site or nearby sporting, recreational and social activities for adults and children. The resorts are staffed with well-trained hospitality professionals, with many resorts offering concierge services for assistance with visiting area attractions.

So who benefits from owning a timeshare? Well, let’s start with you. Do you like to vacation? Do you wish you could someday go on that “dream” vacation, just once in your life? Have you ever had to tell your family that this year it just was not in the budget? Ever find yourself so immersed in your work that the years tend to slip by, always saying, “Next year we’ll take a nice vacation”? And how about that second honeymoon, just the two of you, every year? Or how ‘bout those kids, how quick they’ve grown! How often do you all get to take off and make those special memories that will last a lifetime? Hey! How about just getting the heck out of Dodge by yourself! A little personal R&R! And finally, would you like to be able to take any vacation you want, go anywhere you want, stay in super luxurious accommodations, and not have to worry about the money? Guess what! This is what timesharing is all about!! And if you answered yes to any of the above, you need to read on.

JUST THE FACTS, PLEASE

So here’s how it works. (Finer points coming up). You purchase your week of timeshare. You may use your own resort each year, or you may use a different resort in a different location each year. Your choice each year. Go to Disney World this summer, take off skiing in Colorado next winter, see Paris the following spring, and watch the leaves turn in New England in the fall. Whoaaaa... wait a minute! You thought you had to use the same week each and every year? That’s one of the biggest misconceptions about timeshares. Unless you are one of the roughly 2% of timeshare owners who wish to return to the same location each year, at the exact same time each year, you’ll find yourself making your own plans each year according to your own schedule.

So you’ve got your week of timeshare in say, the islands. You own a week in March and decide you want to go someplace closer to home this year, let’s say a week down at the beach in the summer.

A ll you do is call your exchange company (more on that in a minute) and tell them what you’d like to do! But what are your chances of getting that vacation you’re asking for? Probably everyone else gets it but you, right? Well, not actually. For the past eight or nine years, the exchange companies have been able to fulfill properly processed requests 97 to 98 percent of the time!

PATRIOTISM AND TRAFFIC LIGHTS

Aha! What’s that “properly processed” stuff? Well, it’s really nothing special, just some common sense. (You’re going to get the feeling in just a second that all this stuff is really pretty simple, no rocket science here). There are two major exchange companies, Resort Condominiums International (RCI); and Interval International (II). Both companies link timeshare resorts together world-wide. When you want to make an exchange, you do not have to find someone who owns that beach resort and ask them if they want to use your ski resort. You simply call your exchange company, RCI or II, and make a request. Think of them as a bank, you’re going to make a deposit (give them your timeshare for someone else’s use this year) and make a withdrawal (take out a different timeshare for your own use this year). If someone takes out your timeshare later, so be it. If not, you are under no obligation. You still go on your vacation and yours just goes unused that year. This process occurs millions of times each year, so you can see how the rates of confirmation stay so high.

So that means I can take my off-season week at my beach resort and move it to Christmas in Maui? No. Here’s where that common sense comes in. There are certain parameters involved to ensure that the system is fair. If you own an off-season week somewhere, expect to exchange it for other off-season weeks, not the most prime time of year at any location you choose. To help you make smart decisions, the exchange systems publish full-color catalogs showing the various timeshare resorts world-wide. You can see the same thing on their web sites, www.RCI.com and www.IntervalWorld.com. They then color code the various weeks of the year for each resort. RCI uses red, white and blue (very patriotic). II uses red, yellow and green. Same designations, just different colors of the rainbow. A red week with either RCI or II designates a week that is highly demanded. This might be winter at a ski resort or summer at a beach resort. A blue, or green, time is the off-season. This would be the opposite of the above example: summer at the ski resort and winter at the beach resort. White or yellow weeks are in between; not really prime season and not really the dead season. Obviously off-season weeks cost less to purchase. Prime season more.

Now here’s that common sense. The exchange system works on what’s known as a value for value system. Want the best weeks at the nicest resorts in the most sought after locations? Own something similar to exchange. Think this way: off-season gets off-season, prime season (red weeks) get you the best.

I THINK I'M GETTING THE POINT

With points, each year you get an allotment of points to cash in as you wish. The more you cash in the larger the unit, more days, and/or better the season you may use. You may use any size unit and any time of year you wish. The fewer points you cash in, the smaller the unit and/or lesser the season and/or lesser the number of days. You may cash in points for a regular time share unit/week and then trade that unit/week through the exchange system (RCI or II). Points are a bit more complicated than either fixed or floating weeks but for SOME folks offer a bit more options. Let's look at an example. Sally (you might know Sally) bought a timeshare at a Wyndham Resort. She purchased 168,000 Wyndham points per year. She has the following point chart:

Lets say Sally wants to stay for 10 days at her home resort during the Spring in a 1 bedroom unit. By looking at the chart she may pick out week 17 in April and see that a one-week stay in a one bedroom unit runs 77,000 points. Add in the extra 3 days at 8,000 points per day (or 24,000 points additional) and her 10-day stay will cost her 101,000 points. Since she started the year with 168,000, she still has 67,000 points left to use as she pleases. She may want to return for an additional stay or use the points at a different Wyndham resort.

Or, if Sally wants to stay for a week in a 2-bedroom Deluxe unit for a week at Christmas time, her chart shows she needs 175,000 Points for that stay. Sally is not going. Point charts vary from resort to resort and one needs to look at various charts to get a good feel of how many points you with to purchase as you may purchase as few or as many as you wish.

Point charts and usage also vary by resort developer and the above is only an example of how points and timeshares work. Feel free to call or email us with any questions.

LOCATION, LOCATION, LOCATION

You’ve heard the phrase that us real estate people use. There are only three things that matter in real estate…Location, location, and location. The same is true in timeshares. Now pay attention ‘cause this one’s important. If there’s one mistake we see people make it’s this one: Many first-time purchasers purchase a red week thinking that they can now exchange for any red week in the system. WRONG. In addition to the color of the week you own there’s another factor that makes the system fair. You not only will exchange red for red, but also the location you own will determine the location you get. Own a nice red week, but it’s in the middle of nowhere? Don’t expect to be getting London or the Caribbean. The best locations get the best locations. Otherwise, why would anyone in their right mind spend the bigger bucks for the really nice places when they could buy something of lesser quality and exchange into the better ones?! See, told you this wasn’t rocket science.

TO DEED OR NOT TO DEED…THAT IS THE QUESTION

O.K., you’ve got the color stuff down pat. You know you want to purchase a good location. Now-- what am I buying? Well, in a lot of cases your timeshare will be deeded to you, similar to your home. You may also purchase a timeshare that is a long term lease that you will have for a fixed number of years. Each has it’s good points and neither one has an outright advantage over the other. In many instances, the local custom or laws will dictate which way you purchase. With both, you will have lots of options. Let’s say for instance that a year comes along and you just can’t use your timeshare. Now what? Well, not to worry. You can: A) Let a friend use it B) Get greedy and rent it to your friend, or whomever. C) Call up the exchange system and do half of an exchange (give them the week for someone else to use, but do not request something in return. You’ll have two years to call back and get that vacation at a more convenient time. (This means you can save up, or stack vacations; also called "banking" your week). Other types of plans involve floating time vs fixed time, and fractional membership and points. We’re going to skip these last ones for now. They’re more minor points and we’re going to keep it simple here. Call us with any questions.

So what happens when my life style changes and I don’t want to vacation anymore? HUH?? Are you nuts? No more vacations? O.K., it can happen. Now here’s one of the beautiful things about timeshares. You’ve had it for years. That one time purchase you made so long ago has paid you back over and over again (we’re talking money here, not memories and fun times. Moolah, dinero, the green stuff). Now you have something you can leave to your kids. They now can continue enjoying the timeshare you bought years ago. And they can leave it to their kids, and on and on. You wanna go back and figure how much money you saved over the years? It’s mind boggling. “But”, you say, “Let the kids fend for themselves. I want the money". IF, IF, you bought it right in the beginning (more on that in a minute), you now have an asset that you have owned for years that you now can resell. So you’ve had all these vacations through the years, stayed in accommodations fit for a king, and now you get your money back?? What was that “IF, IF” up there? And didn’t I hear somewhere that these things were hard to resell.

MOMMA DIDN’T RAISE NO DUMMYS

Just as with everything else in life, there are all sorts of ways to do things. Buying timeshares is no exception. There are two different ways to purchase a timeshare. Direct from a resort, and a resale. And we’re going to tell you the pros and cons of each.

First, the majority of people who purchase their first timeshare buy it at a resort. Why? Because they got this letter in the mail that said, “Come look at our timeshare resort and get a free ___________ (fill in the blank).” Greed drives them to get the free whatever. They promise each other on the way to the resort that they won’t buy a thing. And then they meet….THE SALESMAN. And this is not just any salesman or woman, this is THE salesman. He knows he’s got just 90 minutes with you and he’s gonna make it count. He does this three or four times a day, five days a week, 50 weeks a year. You don’t.

Now, let’s be fair. There are very many good and professional sales people working at resorts. They can be very hard working folks who are decent and trying to earn a good living. We don’t fault them for that and we salute them as a necessary part of the timeshare industry. We know many of them ourselves personally.

But here’s the down and dirty of it. The average timeshare resort has a marketing overhead of 50 to 60%. In layman’s terms that means this: All those free gifts are going to be paid for by someone. You. All that staff you see, all those salespeople, all the office personnel have to be paid by someone. That’s right, you again. So you purchase a timeshare for…let’s say $15,000. (You know you got a deal ‘cause the price was much higher. But when you couldn’t afford it, they were nice enough to find you a “foreclosure”. ahem). 50% marketing overhead means that $10,000 of that $20,000 went to pay nothing but the cost of getting all those people together to sell you that timeshare. So what’s the true value of the property? (math quiz here). That’s right! $10,000! So! What happens when you go to resell that property later on? Can you sell the cost of the marketing you paid for? NO! So what can you expect to get for your timeshare? A fraction of what you paid.

YOUR NEW TOY

So you get home with your brand new shiny timeshare. You’re proud as a peacock with a wax job and you go over to your neighbor to show it off. What a coincidence!! Your neighbor just bought a timeshare as well!! You show her yours and she shows you hers.  (!!??)    Anyway, you compare notes. PeggySue now owns a timeshare at a really luxury resort with all the trimmings. “You must have spent some really big bucks for that!”, you exclaim. (You enjoy “exclaiming”, as opposed to just talking) PeggySue then tells you how she found a resale for only $3,000. The original price from the resort had been $18,000. She also shows you her one-year guarantee that she will love her timeshare or not keep it. She asks you why you’re crying.

Yes, my friends, there are bargains and then there are bargains. Our strong advice: buy a resale. Same stuff, lower price.

Now we did say there were pros and cons to each. Here they are. First, buying at a resort will give you a few niceties. You will be able to view the resort first hand. You’ll make new friends with THE SALESMAN. You will learn what the term “high pressure” means. (Remember when your mom used to cook with that pot called a pressure cooker? You’re the meat.) You will receive a gift of some nature for your troubles. On the down side, if you succumbed, you will have bought a timeshare via the most expensive way known to mankind, and possibly the entire universe.

By buying a timeshare as a resale, there are also pros and cons. Let’s be negative first. A professional resale company will have a large variety of timeshares for you to choose from. That’s good. They can take the time with you and discuss your vacationing habits and what your needs are and all the different ways timeshares can benefit you. They can make suggestions as to which timeshare resort would be best suited to you. (Did you catch something subtle here? THE SALESMAN has only one product to sell you, his. It’s going to fit you whether you like it or not. He’ll MAKE it fit!) The resale company has no such pressure. So where’s that negativity? Here it is: The only downside is that you are probably not going to have the benefit of walking the resort before purchasing it. You’re here, the resale company is there, the resort is way, way over there. Yep, I know what you’re thinking (We work on the side for the Friends Physic Network). You’ll just take a ride down to that little ‘ole resort and check it out for yourself. Doesn’t work. By the time you get back, if it was any kind of a good bargain at all, it’s long gone. What was that? Then you’ll just wait for the next one? Ever watch a dog chase its tail?

Now let’s discuss for a moment why the above doesn’t matter anyway. Remember early on we talked about how only 2% of timeshare owners go back to their home resort each year? That means 98% of timeshare owners are using the exchange system each year. Meaning: the only time they may have seen the resort they bought was when they were holding hands with THE SALESMAN. The resort itself is nothing more than a vehicle to use the exchange system and let them go where they want each year! In fact, ask your friend or co-worker who owns that timeshare how often they actually go back to their own resort! Go ahead. We’ll wait….    See! Told ya!

A COMMERCIAL ANNOUNCEMENT

O.K., we’ve been good. But now for the first time we’re going to just slightly mention our own particular company, Island Consulting Realty. In over 24 years in this business, we have very, very many of our customers who use their timeshare worldwide and have a blast with it each year. Yet they have never ever seen the actual resort they bought! Blind faith? Nope, we help them do their homework, give them tons on info on the resort they are interested in, and then give them a one-year guarantee. It’s a no-brainer. They take no risk.

NOW BACK TO THE SHOW ALREADY IN PROGRESS

So we told you the negative of buying a resale. Not all that bad really. Now the positive: YOU SAVE MONEY!! Lots of it! You’ll need a wheel barrow just to get it home! But wait, there’s more! Remember when we touched on the subject of reselling the timeshare you bought? Thought we forgot didn’t you? Here’s where buying a resale from a professional resale broker comes back to help you even more later. You may have heard that reselling a timeshare is a tough thing to do. Yes and no. If you own junk (off-season weeks, a resort in a poor location, etc.) there is not much of a market for it. It is a tough thing to sell. Quality sells. A professional resale broker with your best interest in mind will keep you away from the junk. A good red week, in a prime location that’s high in demand and properly priced will sell, and sell, and sell. (If not, our company would have been out of business long ago). Buy quality. Buy quality. Buy quality. You’ll get the exchanges you want, you’ll have pride of owning a wonderful resort, and you’ll have an easily salable timeshare if you ever decide to sell it.

WHAT’S IT COST FOR ALL THIS ?

Boy, there’s a loaded question. Timeshares will cost anywhere from $500 to $40,000 for one week. The industry average for all timeshares sold direct from the resorts (keep in mind: “all timeshares sold” means blue weeks as well as red weeks, studio units as well as two bedroom units) is $14,080. O.K., here’s the scoop. The junk usually hangs out in the real low end of the price range, just hoping for someone to come along and not know any better. The $40,000 stuff is usually something really special like the Christmas/New Years time frame in Vail, Colorado. And, of course, you bought it right at the resort. A professional resale broker will be able to find the bargains for you. But as a rule of thumb, $2000 to $6,000 for a red week will generally buy you a really nice place that’s easy to exchange around for other places. Prices go up and down, but that’s the general range. Certain very prime locations and certain resorts may command a little higher price, of course.

              You’ll have a maintenance fee each year. Maintenance fees cover you for: maintenance of the grounds and common areas, interior housekeeping such as maid service, insurance for storm damage or liability, utilities, management, replacing furnishings and appliances every few years, replacing broken items, and a reserve fund set up to cover the time when it’s time for a new roof, etc.  All of these things are necessary to ensure your investment stays up to par. Then, if and when you go to resell it, you have a good looking, well maintained property. One note on maintenance fees: Some people say that this is one disadvantage of owning a timeshare. Not so. Let’s say you currently rent your vacation by staying at a hotel or renting a vacation home. Are you paying for the cost of maintaining that hotel or vacation home? You’d better believe it. It’s all built into the rent. Think of maintenance fees the same way as money you spend to maintain your own home. It’s money well spent that will come back to you. Maintenance fees will generally run from $500 to $900 once a year (that's only $71 to $128 per night, with all taxes included!), depending on the resort you own, the amenities there and the size of the unit you are purchasing. Also, keep in mind that with timesharing, there are no hidden “hotel taxes” or “occupancy taxes”. These taxes alone can add $225 to $450 to the cost of your hotel bill.

              If you want to belong to one of the major exchange companies, RCI or II, there’s an annual membership fee (about $89) and a fee if you want them to make an exchange for you (about $139).

              And that’s it

HOW BIG IS THIS TIMESHARE BUSINESS, ANYWAY?

Big, really big. The timeshare industry is the fastest growing segment of the travel industry world-wide. More than four million households own vacation intervals at nearly 8500 resorts located in 81 countries. Vacationers around the world are turning to vacation ownership resorts as their preferred travel destination, with timeshare owners hailing from 174 countries. North America remains the global leader with nearly half of all the resorts and approximately three million owners. Europe is the second most dominant region for vacation ownership, with approximately 22 percent of owners worldwide and more than 1,800 resorts.

The growth rate has been explosive. For the past nine years, the number of timeshare owners has increased an average of 16% per year. And look who’s involved: Disney, Marriott, Hyatt, Wyndham Resorts, Hilton, Carnival Cruise Line, Royal Caribbean Cruise Line (yes, you may now trade your timeshare for a cruise!). And the list goes on and on.

Timeshare resorts are everywhere. From all over the Caribbean, the U.S., Mexico, Europe, The Far East, China, Mars (OK, we threw Mars in to see if you were paying attention)…everywhere you can imagine.

AND WHO SHOULD I DO BUSINESS WITH?

Well now you know we’ve got to recommend ourselves, right? But before we pat ourselves on the back, we’re going to give you the general info you need to know to pick the right people to do business with.

First, I think you now know that you can do business with the resort directly or you can purchase a resale. Unless you enjoy burning money, buying a resale is definitely the smart way to buy. 

Pick a resale broker. Now here’s where you also want to be careful. Make sure that the agent you are doing business with is licensed, as a REAL ESTATE agent or broker (NOT just a business license). In almost all states, to sell timeshares you must have a real estate license. You would think that any resale company would only use licensed agents, but they don’t. Working with a licensed agent is for your protection. Call the appropriate Better Business Bureau in that state and ask if there have been complaints. Better yet, take the web site of the company and Google it along with the word, "scam". (For example: "abcTimeshareCompany.com", scam). Read what folks have to say. If the company has lots of complaints, you know you don't want to be the next victim. A legitimate resale broker will have a real estate license, just as a starter. If they have no real estate license, you are dealing with an advertising company and you have NO protections under law. DON'T DO IT!

Ask how the resale company operates. Is timesharing their only business, or just something on the side? Do they actively participate in the industry or watch from the sidelines? If you request information, what will they send you? How about just general info, such as a pamphlet like the one you are reading now? And finally, what assurances do you have that you are making the right choice in your timeshare purchase? Is there a guarantee? If not, why not? ASK FOR A COPY OF THEIR REAL ESTATE LICENSE!

Now you may ask, "What's so important about dealing through a licensed real estate broker?" Very good question. First, it costs you nothing. Our fees are paid by the seller. Secondly, a licensed broker is required by law to provide critical information you need to know. A non-licensed agent does not have these requirements. Contracts are written per the laws to protect you, the buyer. A non-licensed agent has no such obligation. Finally, unfortunately, there are way too many scams in our society today and the timeshare business is no different. You're buying a product which is a very specialized real estate purchase. You're not totally familiar with the ins and outs and especially what is supposed to be in a contract and what is not. If someone wants to scam you, believe me, they will. And, you won't be able to do a thing about it after your money is gone. NOTHING. You worked directly with the seller and the advertising agency with NO broker involved. Thus, buyer-beware. Why take a chance when you don't have to? It makes no sense.

THE END IS NEAR

We hope you have benefited from our work. An informed consumer….well, you know. If you permit us just one last little bit of your time, we’d like to tell you a little about ourselves and why we think we’re the only logical choice for your timeshare purchase.

Island Consulting Realty is a full service real estate brokerage dealing only in the timeshare industry. We handle resales of timeshares for individuals. We actually turn away more sellers of time shares than we accept. Why? For a few reasons but mostly we want only time shares that are fairly valued or under market value. Or, if we feel a seller is hiding something or is not being totally up-front with us, we send them packing. All of this is so that YOU, the buyer, is receiving a good time share at a fair price with no surprises later. Then, every one of our sales comes with a 1 year Satisfaction Guarantee. We're the ONLY company on the planet (and the universe as far as we can tell) to offer such assurances to our customers that you will be totally satisfied with your purchase. 

Our marketing is extensive. We advertise in major newspapers, billboards, telemarketing, direct mail, travel shows and through our own weekly newsletter, available for free subscription from our web site.

We have been interviewed on radio and TV talk shows for our expertise in the field of timeshares. We have given speeches to resort developer think tanks in Washington as to the complexities of off-site marketing. We are a member of the Western Florida Better Business Bureau and have a very rare A+ rating. (link to them can be found on our home page) We are well known in our industry as a leader and one who’s word is gold.

Unsolicited Testimonials -- used with permission

“..extremely professional, responsive to questions and very honest in representing the property and value for the price. I have always gotten the exchanges I have wanted when I wanted them.”

Annette Dayton, Annandale, VA --- has purchased 8 weeks

“Good prices, good service, like dealing with friends” 

Michael Barker and Annette Hatley, Colonial Beach, VA --- has purchased 4 weeks

“Every time we’ve had a question, Tom has personally called back and answered to our satisfaction”                   

Dennis and Anna Klein, Eldersburg, MD

“Without timeshare, we would not make time in our busy schedules for vacations - Thanks for making us stop and enjoy life!” 

Rick and Pam Fisher, Chesapeake, VA

“Island Consulting people have proven themselves to be honest and reliable. I would not recommend friends or relatives to anyone who might not treat them right. The trust and confidence that has grown from my dealing with Island Consulting makes them a natural referral.”

Bob Buck, Endicott, NY  --- has purchased 5 weeks

I have had several friends ask how we got such a good deal in our purchase and have offered Island Consulting’s address to any and all interested. I would recommend Island Consulting to anyone interested”

Melanie Jones, Pittsburgh, PA

"About 3 years ago I purchased a timeshare at Club Land'OR in Nassau for 25 weeks for $2500. At first I was very skeptical, however, it has been the best money I have ever spent. I just wanted to Thank You for helping me accomplish a Dream that without Island Consulting I would not have seen come true. Thanks again."

                                                                                                                Bonnie Farley, Willowgrove, PA

"I just wanted to say that we purchased out time share in Westgate Resorts in Orlando through you, and four years later we are still very pleased with out purchase and the wonderful help and guidance you gave us. I have in the past recommended your company to my friends and told them they will not get a better deal anywhere else. We just returned from the resort and again we thank you. You are without-a-doubt a patient, understanding and helpful broker. When I am ready to purchase another condo you will be the one I will contact.

Geoff Miller, Nova Scotia, Canada

"Many thanks from two very satisfied timeshare newbees".

Daniel and Stephanie Hernandez, Laredo, TX

"Our family has enjoyed these timeshares so much it has given us a reason to go and to be together in wonderful places. I constantly refer you to others. Happy Holidays!"

George and Sarah Towery, Springfield, VA

"I really appreciate you helping us out through all of this, as it was our very 1st timeshare purchase. Your patience, responsiveness and knowledge you shared really turned this into a positive experience for us. Please feel free to use us as a referral."

Steven and Kim Hayashida, Sunnyvale, CA

"We really appreciated how quickly and timely everything moved along and how quickly our purchase was settled. It was really great doing business with you and your company and will pass your name on to anyone else who is interested in time shares. Thanks again for handling thins so smoothly".

Gary and Les Fier, Mineota, MN

"Thank you for the very professional execution of the transfer."

Don Evans, Baltimore, MD

"Marci and I just want to say how happy we are with our time share in Cabo. We were constantly approached by other vacationers who were amazed at the location and size of the unit. To say the lease, we were thrilled!!! We had to attend another timeshare meeting and fount out that our unit is worth $65,000. We were also told we "walked iinto a $28,000 equity"... Don't know what either of these mean, but I think we got a good deal at $2,995!!!"

Bob and Marci Poirier, Nashville, TN

“TH-TH-TH-THAT’S ALL, FOLKS!!”
                        Porky Pig, a great customer but a bit of a ham..

Please feel free to call us at 1-800-809-6020 with any questions you may have. We’re going to leave you with some of the best advertising we have... our customers.

PUBLISHED BY:

Island Consulting Inc.
10351 Saddlebow Ln.
Sarasota, FL 34241

1-800-809-6020
international: 1-941-922-3808
fax: 941-927-3877

email: timeshares@aol.com

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