The Hidden Costs of Timeshare Ownership

Timeshare ownership can seem like a sweet deal because you’re praying a fraction of the cost it would be to get a hotel each and every year. Plus, it’s all yours for the rest of your life. However, there is a definite downside to timeshare ownership that many of the timeshare companies tend to downplay such as all the additional, hidden costs of ownership. If you are considering becoming a timeshare owners, you should know what you are getting yourself into and at what cost.

The most common fee you will encounter with timeshare ownership is the maintenance fee. In addition to your initial purchase, there will also be an annual maintenance fee to pay for maintenance of the property. This can be paid once a year in a lump sum or in some cases, you can pay it monthly. Maintenance fees may vary from place to place, but know that they will always continue to increase.

Another unexpected fee you may encounter includes taxes, which sales agents never warn you about. Be sure to ask about the tax on your potential timeshare because in most parts of the world, there is an imposed timeshare tax for every night that you stay in your timeshare and can be anywhere from $20 and up a night.

One hidden fee that you would think is included in your maintenance fee is utility fees. Your maintenance fee does not cover how much electricity you use during your stay, so at the end of the week, you end up getting a bill for it. If you’re running the air conditioning unit all week, this can be pretty costly.

Other hidden fees include transportation costs. You are on your own for that, so if you’re timeshare is far from where you live, you must be sure to factor how much it will cost to drive there, or fly there and either rent a car or use public transportation. Your source of transportation and the distance of your timeshare from your home should definitely be considered when calculating the cost-efficiency of owning a timeshare

Lastly, there are also trading and exchange fees. Most timeshares are part of a larger network, so if you want to use your timeshare week at a different location, you will have to pay a fee to make that happen. If you are seriously considering buying a timeshare, don’t let the purchase price alone fool you or sway your decision. Timeshares cost much, much more because of the aforementioned fees that sales agents tend to leave out and don’t exactly highlight in your contract.

Timeshares may be for some people, but they are definitely not for everyone. If owning a timeshare no longer fits your budget or your lifestyle, you may want to consider your timeshare relief options.

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Goldbridge best bits as Man United draw 1-1 with Newcastle

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Timeshares and Timeshare Presentations – Dare to Say No

Some owners have purchased multiple timeshares because they just don’t know how to say «No.» In fact, timeshare owners are more likely to purchase another timeshare than a non-buyer. It’s hard to even begin to comprehend how many timeshares a single couple might end up owning because of this apparent fear of the word «No.» So for the timeshare owner or non-owner alike, here is your best tip on how to say «No» at a timeshare presentation:

Request a copy of the timeshare contract for your lawyer.

If you ask for the timeshare contract for your lawyer to read and review, you’ll create an impasse. Timeshare sales people are trained to never let you remove any documentation from the presentation room. It might contradict what may have been said during your visit, and the length of many timeshare contracts is enough to scare off buyers. So more likely than not, you won’t get that copy you respectfully requested.

Regardless whether you get a copy or not, you’ll probably want to leave at this point. Yet the sales process has yet to go through the gauntlet of sales techniques used at these presentations. So be prepared for these timeshare sales people to stall or change the subject away from the requested documentation.

They may ask why you need it since there is a rescission period during which you can cancel your contract. You can respond by saying that you’d be more comfortable taking the contract to your lawyer, or that for large purchases at presentation-style sales meetings, you feel that its necessary to take precautions and get your lawyer involved before committing to a decision.

Don’t worry if you don’t really have a lawyer. If you feel guilty about fibbing to the timeshare sales people, just know that you probably know someone who knows a lawyer, or happens to be one and wouldn’t mind acting as your lawyer.

The beauty of this objection is that you aren’t really saying «No» to buying a timeshare, just that you want to take the time to investigate it properly. Sales people are trained to overcome «No» responses. They may even be able to overcome the «Take the documents out of the room» objection as well, but it’s definitely not as easy a task because it’s not heard as much as «I can’t afford it» or «I don’t take enough vacations.»

So keep this tip in mind the next time you find yourself at a timeshare presentation. Remember, if you REALLY want a buy a timeshare, purchasing a timeshare in the presentation room is the most expensive place to do it. Try your best to walk out of the room as soon as you can, but be prepared to stay a while. Even the most effective objection won’t get you through quickly.

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Newcastle United: The Next Great Football Dynasty?

Newcastle United have recently undergone a change in ownership.

The takeover has made them potentially the richest football club in the entire world and has left many feeling that we could see a Manchester City/Chelsea situation in the coming years.

But with their current form in abysmal condition and the controversy surrounding the takeover itself, you’d be excused if you were not convinced that anything significant would happen anytime soon.

In any case, today we’re going to take a look into the history of Newcastle United football club to track how they got to where they are today and speculate on what’s up next.

Let’s get right into it

Transcript and Sources:

Background music (Incredibly talented artists):
Song 1: (Prod Lakey Inspired)
Song 2: (Prod Lakey Inspired)
Song 3: (Prod Pink)
Song 4: (Prod Riddiman)

00:00 – Introduction
02:44 – Magpies: Golden Years
06:20 – Inconsistency: The tale of Newcastle United
10:47 – Mike Ashley: Public Enemy #1
14:43 – Saudi Takeover: The Rise of Newcastle?
19:00 – Where To From Here?

Producer: Tinashe Chipako
This video is intended for entertainment, commentary and educational purposes.

*Copyright Disclaimer: allowance is made for «fair use» for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. No copyright infringement intended. ALL RIGHTS BELONG TO THEIR RESPECTIVE OWNERS

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How to Avoid the Timeshare Rip Off

If you receive a call from a telemarketer asking for an upfront fee to start selling your timeshare, there’s a good chance you’re looking at a timeshare scam. The Florida Attorney General’s Office has gotten 7,325 complaints regarding timeshare resale companies since 2007.

The operators of the scam prey on victims desperate to unload their timeshares. Owners who realize the resale market is nearly nonexistent are desperate to unload their timeshare. It usually turns on greed. When a timeshare owner receives a call from someone who claims that they have a buyer willing to pay $30,000 for their timeshare, the owner is ecstatic, and follows the callers list of commands.

The timeshare scammers usually ask for a simple fee, somewhere around $1,000, to complete the transaction. They ask for a simple credit card number, promising huge dividends compared to the paltry down payment. Much to the dismay of the timeshare owner, the only compensation they receive is a busted bank account. By the time owners are aware of the scam, credit card companies inform them they are too late.

The surest way to avoid these scams is to not take unsolicited calls regarding the sale of your timeshare. As with anything involving a major transaction, do the homework. Ask about the company’s name, background, a phone number, and more information. Usually they will persist in offering the same deal, without answering any of your questions. A sure sign of a timeshare scam is their unwillingness to provide additional information. And don’t give your credit card information over the phone unless you are 100% secure in the transaction.

Timeshares have benefits, but there are a large number of problems with them. Don’t be caught in a timeshare scam. If you have been fooled by one too many scams, contact Timeshare Relief to get the peace of mind from your timeshare that you deserve.

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Premier League Super Match Time: Chelsea Vs Man United

It’s super match time at Stamford Bridge with Chelsea raring to host Man United in match week 18, on Sunday, December 19.

Chelsea lost 3-1 in the traditional season opener when they met the Red Devils in the Community shield final at Wembley on August 8. On the back of that result, there was much speculation about how the league season would unfold.

Before that game, United were talked about as a team over-reliant on Wayne Rooney who hadn’t scored a goal since March. Additionally, Rooney’s poor form at the World Cup in South Africa did not augur well for Sir Alex’s charges.

Berbatov and Nani had proved inadequate replacements for the departing Ronaldo and Tevez, in the 2009-10 season, when the Old Trafford squad had fallen a point short of the title, riding on Rooney’s prolific form during the season.

United’s win in the Community Shield final was fuelled by second half substitutes Berbatov and Nani combining brilliantly up front, and was augmented by new signings in Valencia and Hernandez, and an ageing Scholes, who belied his years with some spectacular passing.

Van der Sar was safe as ever between the posts; Vidic and Evans were solid in defence. Rooney who only played in the first half was quiet, apart from a brilliant squared pass to Valencia off an aerial ball from Scholes, that set up Valencia’s goal. Carrick kept it simply with short effective passes, while Park and Owen had quiet games without much energy on display.

While Hernandez’s goal-scoring ability was highlighted, when he netted United’s second of the match, it was Valencia who was outstanding on the day with his runs down the right flank. Cole was simply unable to handle the Ecuadorian’s pace and guile.

In Cech’s absence, Hilario did duty between the posts, for Chelsea. He was let down by the back four with Terry appearing not to have shaken of the ghosts of the World Cup. Though Ivanovic and Ferreira were efficient without being brilliant, they were exposed to dangerous crosses following Cole’s inability to close the spaces on Chelsea’s left flank.

Lampard, in deep midfield, like Terry, appeared to be still in the throes of his World Cup hangover, while Mikel who partnered him did not do enough to close down the space in the rivals’ midfield.

Kalou was the lone bright spot with brilliant runs and dribbles but suffered for lack of support from his attacking partners. Anelka appeared unconnected and did not pose any threat to the United goal. Malouda showed glimpses of his potential but like Kalou sought support that he did not get.

Drogba fresh from his surgery that kept him out of much of the World Cup was a shadow of his self as he came on as a second-half substitute, while Sturridge and Benayoun did not have sufficient scope to display their prowess, in brief second-half cameos.

Much proverbial water has flowed under the Premier League bridge since the Wembley game that broke a run of three successive defeats for the Red Devils against the Blues.

Chelsea began their season brilliantly with back to back 6-0 wins, albeit against much weaker opponents in West Brom and Wigan. they followed that up with wins over Stoke, West Ham and Blackpool, and after five match weeks appeared to be running away with the league title, even as arch-rivals Man United recorded a couple of away draws against Fulham and Everton, sandwiched by home wins against Newcastle, West Ham and Liverpool, in their first five games.

Away losses to Man City and Aston Villa on either side of a home win against Arsenal, reduced Blues’ momentum somewhat, but they stayed at the top of the table, even as Bolton, Sunderland and West Brom snatched a point each from the Red Devils in their next three games.

The Old Trafford squad began to regain their stride with back to back wins in their ninth and tenth games against Wolves and Blackburn; United won their ninth and tenth against Stoke and Tottenham to keep the Old Trafford hat in the ring.

The next games took the steam out of Chelsea’s campaign, with three losses to Liverpool, Sunderland and Birmingham, and two draws to Newcastle and Everton. With just the solitary win in this span, against Fulham, Ancelotti’s squad were suddenly third in the points table after heading it for 15 weeks.

Meanwhile, Manchester United recorded wins against Wolves, Wigan and Blackburn, alongside draws against Man City and Aston Villa in their games from 11 to 15. With match 16 against Blackpool called off owing to inclement weather, United are sitting pretty, just a point behind new table toppers Arsenal.

A look at the last nine league games between Chelsea and United makes interesting reading. Chelsea have enjoyed an overwhleming dominance over the Red Devils during this span, with five wins and just the solitary loss.

chelsea’s home record this season has been excellent, winning six of eight games hosted, while losing just the one and drawing the remaining one.

United’s away record has not been very good in terms of matches won; on the road, Sir Alex’s squad have won just a single game, while drawing six.

Both sides should go with a full-strength eleven on December 19. Chelsea will welcome Lampard’s return to the fray, and that should give the Blues the stability they currently lack in midfield.

Chelsea’s probable starting eleven: Cech, Bosingwa, Ivanovic, Terry, Cole, Essien, Lampard, Malouda, Kalou, Drogba and Anelka.

Man United’s probable starting eleven: Van der Sar, Da Silva, Ferdinand, Vidic, Evra, Nani, Carrick, Anderson, Park, Berbatov and Rooney

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Is There Anything You Can Do About Timeshare Special Assessment Fees?

It happens every so often to timeshare owners. You’re taking a stroll to your friendly mail box with the sun beaming down wonderfully on your home; birds are out singing a happy tune. You open your mail box, reach in, and pull out a timeshare bill. «Same as every year,» you think. «Maybe a 2% increase. But nothing I can’t handle.» Then you notice a sizably larger tab. «What?» you fume. «How can they charge me that much a year for my timeshare?» Then you read on, and your heart fills with the dread of an oncoming car crash, and you see it: a special assessment fee.

The truth of the matter is that the timeshare industry is suffering, just like everyone else. Their extreme profits have lost a shine or two, and now they have to scrap barrels instead of throwing whole meals away. Unfortunately, you are that barrel they’re going to be scraping.

But let’s get to the question: is there anything you can do about these special assessments? The truth is, there is very little you can do besides pay the tab. Many resorts offer payment plans, and for those of you unwilling or unable to pay off the fee upfront, these plans are a good option. You will, of course, be paying interest. What matters with special assessments is whether or not they are needed. In some cases, the fee may be a simple $200 for an extra couch or fixture. In other cases, there are going to be Hurricane Assessments, which pay for hurricane damage and can run over a thousand dollars.

Not paying your special assessment will result in late fees and potentially a collections claim against you. For those of you who have already paid special assessments before and have just been hit again, a timeshare sale might be in your best interest unless you find such value in your timeshare that these extra fees and added expenses are worth the cost.

If your special assessment fees are no longer within your budget, you may want to start considering your timeshare relief options.

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Newcastle United's January Transfer Window Dilemma

It has been an unusual season for Newcastle United fans, who have had plenty to celebrate off the pitch, with Mike Ashley’s departure, but not so much on the pitch, where they have one just one game all season.

That leaves the Magpies in real threat of being relegated from the Premier League going into their first transfer window since their takeover by Saudi Arabia’s PIF, Amanda Staveley, and the Reuben Brothers.

So in this video, HITC Sevens takes a look at a pretty major dilemma that Newcastle face going into the January transfer window, in terms of how much they spend, where they spend it, and who gets to call the shots.

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