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What should I buy?

jeffason

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Aug 2, 2025
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1) Is there a vacation destination you wish to visit most of the time or on a regular basis? if so where?

Nope

2) Do you want to visit your home resort at least half the time, or do you want to trade more than half the time?

Trade I think? We want to travel a lot

3) What are your 5 top trade destinations?
Orlando, Vegas, Colorado, Italy, California

4) How many people do you usually travel with - total, including yourself?

4

5) Can you travel any time, or are you locked into the school schedule?

Any time

6) Can you make firm plans 12 or more mos. in advance?

Yes

7) Can you vacation for a full week at a time?

Yes

8) What level of accommodations do you prefer on a scale of 1 to 5 stars?

3-5

9) How much can you afford to spend upfront, without financing?
$1-3k

10) How much can you afford to spend every year for a maintenance fee that will come due right after Christmas, and increase each year?
$1500

11) Are you a detail oriented planner?
Usually

12) Do you understand that once you buy a timeshare, it may be very difficult to sell or give away, and you are responsible for all fees, until you do?

Yes
 
Hello from a fellow low-budget timeshare hunter!

It sounds like HGVC might be a good fit. Their two biggest downsides are the premiums they charge for prime/platinum-season travel and the fine print that resell doesn't come with MAX. However Gold season is a good mid-season value since you can travel any time and Max might not be a deal breaker since there are HGVC resorts at every one of your travel locations (except Italy).

You have the budget for one of the annual 1BR Gold season annual weeks in the free giveaway marketplace. If you would rather not have two people sleep on the pullout sofa then those points could either be stretched into a 2BR by booking 4-5 weekday-night stay in a Gold season and/or booking Silver season stays in the off season

A 1BR Platinum week would be even better. More points for the same maintenance... but those aren't given away free and it might take some hunting/luck to find one for less than $3K up front including closing/activation/etc fees.

HGVC also has right of first refusal on contracts which can be a bit of a wildcard on if a cheap deal will be allowed to sell or reclaimed by Hilton.



Honorable mention to Wyndham.



Cautious mention to Sapphire Resorts. Sapphire is the cheapest option I've found for a 3-star stay. On the upside they have at least one resort in three of your five locations mentioned (nothing in Italy and Florida locations are all outside Orlando). If you prefer frequent stays and can work with a pullout couch then annual 1BR weeks (15,000/annual credits) are being given away free with maintenance fees totals only costing about $1000/year. First downside is accepting a lower quality stay when you could be booking HGVC/Wyndham/etc. Second downside is Sapphire is less flexible with splitting weeks so booking 2BR (25,000cr typical) would require banking points for every other year travel.
 
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Worldmark is another possible option. It has resorts in all your locations except Italy. The resorts are generally spacious and well-kept, although the term "resort" is a stretch for some of them. It's an excellent exchanger, so you wouldn't be restricted to just the 90 or so locations in the Worldmark system.

You might be able to pick up 10,000 credits for free--or certainly for less than your budget. The maintenance fee for 10,000 credits is currently between $1200 and $1300 per year.
 
HGVC does have one resort in Italy I'm pretty sure - it's just in the north countryside I think. If you were going to go HGVC, I'd recommend trying to cover buy in in Scotland / Craig lodges, because it's probably the most flexible - has historically had low MFs (though there is the exchange risk if the dollar drops a lot vs the GBP), and easiest to buy / close via their sales office directly (and doesn't have closing costs really). Next best is hunting for low MF Vegas deeds. Personally the sweet spot for HGVC is a 2BR that gives 11,200 pts a year.

The other, possibly better option, might be an RCI trader. Grandview is well regarded, and while it's generally underappreciated, @augustdav tends to recommend magic tree. Either should make it possible to get 2BR under $1k MF, and bonus, you get access to the RCI cash stays, which is where RCI really shines IMO, though good grandview points also has been shown to work well in exchanges. And for Orlando and Las Vegas, and to a slightly lesser extent Colorado and California - almost no reason to not pick from Last Calls or Extra Vacations where you can book for sub $1k a week in a 2BR almost any time, and certainly SOME time during the year at any of those locations. LV and Orlando almost always have something in a Last Call so you book at 45 days out from your trip and pay the $379 +tax and fees, usually works out to $500. These are usually the 3 star locations. If you're willing to spend closer to $1,300 for a 2BR you can frequently find HGVC in Extra Vacations for LV and Orlando, and those are pretty much top of the range at 4 stars.
 
It is Wyndham South Pacific that has 3 Timeshares in Europe - Normandy, Bavaria, and Tuscany. So you have to have WM+A or WMTS Credits.
 
Example of differences between my Magic Tree floating weeks in Kissimmee and my HGVC Seaworld in Orlando.
Magic Tree first. They are floating weeks so you can reserve any week of the year 12 months out. MF's can be paid as early as july but are due by the end of the year. They are $550 for a 1bd, $625 for a 2bd. They will give you a 1bd for free, a 2bd usually cost around 1k. Since your buying from the resort they will do a quick deed and for around $100 bucks you will be an owner in about a week. They don't care what trading company you use. I belong to both rci and II. Because i have grandkids in the area i own three weeks and stay spring break, x-mas, & new years for a total of $625 per week for a 2bd. It is a gold crown resort. I'm told they haven't raised MF's in around 20 years. And if it doesn't work out and you don't want it anymore they ask for 2yrs of MF's. So for a 1bd it cost $0 to get in and $1100 to get out. Other than the quick deed. Also 4 check in days Fri-Mon. But always for a week.

My HGVC is a 1bd platinum 7680pnt's. MF's are $1380 on my 1bd. I think a 2bd's MF is close to $1800. MF's go up every year around 5-6%. Other fee's go up most years too. Points are nice and also easy if you want to travel within their system. If i want to go to Miami instead of Orlando i can easily do that. To me a misconception with points is i can get more stays from the 1 week i own. And while that is possible you have to give something up. Example: If i stay 1 week in platinum season somewhere my points are gone. So if i want to stay more nights i have to stay in a different season than platinum or in a smaller unit or week days not weekends or borrow points. Staying additional time also comes at a cost. Example: There is a $89 ( i think) reservation fee for every reservation outside the week you own. In other words if you have 3 reservations from your 1 week that's an extra $250-$300. Also some resorts have Parking fees of 20- 25 dollars per day.
Also HGVC gives point discounts at times. From the first of the year through around mid April i have seen as much as 40% off points in Orlando. Which sounds really good except for the point they are off weeks. A week like spring break will not be included. So for me my MF's are 1380 with 40% discount thats about $825 for a week. You could stay for less through a trading company most times.

Few last comments: Im not saying one is better than the other. I love going to Charleston or staying right on the beach in Myrtle beach. Great half way point from where i live in PA. And HGVC has a lot of different plans but for the most point you would have higher up front cost for a better plan.
-There are also other point systems im not as familiar with, this is what i own.
-Personally i think someone getting in to timesharing for the first time. Magic Tree would be a great place to start and you might find that through them and a trading company you have more travel than you need. And with their MF's so cheap it wouldn't be the worst thing to add points later.
-While hurricanes are a threat i think Orlando being in the middle of the state helps.
 
You can take or leave any advice, but here's mine:

Hilton has only one resort in Colorado, and that is Breckenridge, Valdoro. It's fine, really beautiful, but it's one location only. Marriott/Westin/Sheraton has Breck, Vail and Steamboat Springs. I would buy a trader that gets those higher-end resorts. Buy Marriott or Sheraton. Sheraton Broadway Resort in Myrtle Beach and Sheraton Desert Oasis are fantastic traders. Fees are reasonable. You can also trade into the Hyatts in CO, and there are several. This would be through II, not RCI. RCI is expensive for trading.

If you are wanting summer in CO, that is easy with Sheraton/ Marriott. If you want ski season, that's going to be tough to get via exchange. You may want to own a ski week or in a system that has Colorado.

Orlando, easy to get in RCI or II. No need for anything special to stay in Orlando, but if you are trading into Orlando through RCI, be aware that all former Diamond and all Hilton resorts have daily fees that make it very expensive to stay a week. $25 per day for nothing. $299 exchange fee as well.

Marriott/ Sheraton have the best resorts in Orlando and so far, knock on wood, no daily fees to stay at any of them. Marriott has the more upscale resorts, and of course this is through II, and you might even luck into a Disney resort for a trade.

Vegas is easy to get in RCI or II. Be aware that Hilton charges fees for their Vegas locations, if you exchange in with RCI. If you get a discounted stay through exchange, it would still be nice to grab Hilton because the locations are better than most any other.

Wyndham has Grand Desert, and it's fine. I was impressed the first few times we stayed, but after staying at Marriott's Grand Chateau, I was less impressed. Still, we stay at Grand Desert more because we can get it for less with our discounted stays/ VIP Founders' status. No reason to burn a week to go to Grand Chateau, when Grand Desert is fine.

California, depends on where you want to be. Marriott has Palm Desert covered with so many hotels. You can tell real estate is cheaper in the desert. Also, there is a hotel-type resort in San Francisco, and a nice one in Newport Beach, the Newport Coast resort are 2 bedrooms.

Italy, well don't count on anything in Italy.

If I read all of the advice here in this thread, I would be totally confused.
 
1) Is there a vacation destination you wish to visit most of the time or on a regular basis? if so where?

Nope

2) Do you want to visit your home resort at least half the time, or do you want to trade more than half the time?

Trade I think? We want to travel a lot

3) What are your 5 top trade destinations?
Orlando, Vegas, Colorado, Italy, California

4) How many people do you usually travel with - total, including yourself?

4

5) Can you travel any time, or are you locked into the school schedule?

Any time

6) Can you make firm plans 12 or more mos. in advance?

Yes

7) Can you vacation for a full week at a time?

Yes

8) What level of accommodations do you prefer on a scale of 1 to 5 stars?

3-5

9) How much can you afford to spend upfront, without financing?
$1-3k

10) How much can you afford to spend every year for a maintenance fee that will come due right after Christmas, and increase each year?
$1500

11) Are you a detail oriented planner?
Usually

12) Do you understand that once you buy a timeshare, it may be very difficult to sell or give away, and you are responsible for all fees, until you do?

Yes
My guess is you have 2 kids not yet in school? If so, do you plan to pull them out of school to vacation after they start?
 
My guess is you have 2 kids not yet in school? If so, do you plan to pull them out of school to vacation after they start?
We have two kids - 12 and 9yo but we've been doing roadschooling while RVing across the western part of the US. They're in a hybrid homeschool so when we're at homebase they attend class in person but if we want to take long trips we take their work with us
 
We have two kids - 12 and 9yo but we've been doing roadschooling while RVing across the western part of the US. They're in a hybrid homeschool so when we're at homebase they attend class in person but if we want to take long trips we take their work with us
You are in a good situation then. Trading into non school weeks is fairly easy, especially Orlando and Vegas which are a slam dunk.

You don't need an expensive TS, just a decent trader. I'd look at a week that locks off with decent MF. You'll easily get two 2BR weeks a year with that.
 
One thing that I think TUG offers is if you buy a certain service on TUG2 - I think it's like $120 or something, Brian (TUG owner) will do a Zoom with you for about an hour to go over your TS needs / system / usage. While I usually say you can get all the info for free here on the forum, and you can, if you were confused by the advice and conflicting opinions it might help to just talk it over with a seasoned TS owner and user. Hell, someday soon I might offer something like that too, though Brian has been doing this longer.

One of the things that is hard in a forum, especially with a dozen + opinions is that it feels like you have several potential options, but it's hard to go through the subtleties sometimes.

That said - there's like a matrix of methods generally used, though I'm making up the titles a bit as I go here:
Method NameOwnership focusedTrading FocusedCash Stay focused
Explanation of method strategy
  • Stay mostly in the location or system you own
  • Usually, but not always, booking options that give you more chance to get difficult locations and weeks
    • You may need to buy a specific week for extremely challenging bookings you MUST HAVE every year.
  • Usually costs more
  • You buy a "trader" - low MFs for good trade power.
  • This varies based on what you want to get - RCI based traders can be cheap but you pay more to book and most places have a fee when you check in. However, there are A LOT of RCI locations and availability, though "many" might be uninteresting to you.
  • II if you want off season locations you can trade into nice places, if you want peak season Marriott then you need to buy a good Marriott trader to get those.
  • Some have points (RCI had "Points", Weeks which are TPU points, II has weeks and some locations use "Gold Points", some of the minisystems use their own points values)
  • Some are week for week (lots of II if independent)
  • Can cost less
  • You get a triennial or other really cheap TS to get you into whichever cash option you want. I recommend RCI.
  • You use this specific owned week or if cheap enough eat the MF as a membership fee.
  • You primarily look for Extra Vacations and Last Calls for most of your stays
What you don't do
  • Trading or cash stays aren't used much.
  • You might never stay in your owned location
  • You probably aren't going to have much trading power so it'll only get you what you specifically own or other weaker stays that may be uninteresting.
How you tend to use it
  • You get sufficient points in the minisystem or sufficient weeks in Marriott like systems to cover all expected trips
  • You book through the minisystem or discounted exchange company
  • There may be discounts you can watch out for, but in many cases if you don't buy retail (and DON'T) and have a lot of points, or extreme flexibility to fly/drive to a place with less than a weeks notice you don't realistically use the discounts or last minute deals.
  • You look for a trader that has really low MFs to the unit power you get
  • You roll the dice on getting a trade, if you're realistic you might upgrade frequently, if you're expecting prime time and location all the time with an independent you probably will be disappointed.
  • Sometimes you get bonus weeks when you deposit an independent week.
  • Some traders are "lock offs" where you can split it into 2 and get 2 trades (at weaker values) for the MF, but you still pay 2 trading fees and other fees.
  • If you do it right, you tend to get more premium locations and places than cash focused but less than ownership focused.
  • You spend time watching for deals. Ideally you have a list of places you might want to go, and rough times of year.
  • You pay to book when they show up.
  • You pay more for Extra Vacations for places that are more high end or desirable locations. ($800-$2600 depending on a lot of factors for a 2BR week)
  • You're ready to go to some "overbuilt" locations multiple times - you can tell which "almost always show up" and just look to book at 45 days out.
  • You're ready to snap up ones that show up on Last Calls with maybe 45 days notice.

Most of us on TUG that post a lot actually do a hybrid of 2 or all 3 of the above though. We also pay a lot in MFs to have multiple options and tend to go on multiple multi week trips a year - so we're still getting a lot of bang for our buck. So part of the reason we have different opinions is a mix of where we want to stay, when, and how much we want to spend to stay there. I.e. I've stayed on Hilton Head Island for $700, for $900, and for $1300 but the quality of the resort, the location (inland, on the beach, etc) varies and time of year varies.You can easily spend more for a summer week at a Marriott on the ocean than a January week in a Spinnaker inland you see. OTOH, if you're willing to drive / uber you can get to all the same attractions outside of the specific resort either way, and you might prefer mid 60s and no crowds to mid 80s and packed too . . .
 
One thing that I think TUG offers is if you buy a certain service on TUG2 - I think it's like $120 or something, Brian (TUG owner) will do a Zoom with you for about an hour to go over your TS needs / system / usage. While I usually say you can get all the info for free here on the forum, and you can, if you were confused by the advice and conflicting opinions it might help to just talk it over with a seasoned TS owner and user. Hell, someday soon I might offer something like that too, though Brian has been doing this longer.

One of the things that is hard in a forum, especially with a dozen + opinions is that it feels like you have several potential options, but it's hard to go through the subtleties sometimes.

That said - there's like a matrix of methods generally used, though I'm making up the titles a bit as I go here:
Method NameOwnership focusedTrading FocusedCash Stay focused
Explanation of method strategy
  • Stay mostly in the location or system you own
  • Usually, but not always, booking options that give you more chance to get difficult locations and weeks
    • You may need to buy a specific week for extremely challenging bookings you MUST HAVE every year.
  • Usually costs more
  • You buy a "trader" - low MFs for good trade power.
  • This varies based on what you want to get - RCI based traders can be cheap but you pay more to book and most places have a fee when you check in. However, there are A LOT of RCI locations and availability, though "many" might be uninteresting to you.
  • II if you want off season locations you can trade into nice places, if you want peak season Marriott then you need to buy a good Marriott trader to get those.
  • Some have points (RCI had "Points", Weeks which are TPU points, II has weeks and some locations use "Gold Points", some of the minisystems use their own points values)
  • Some are week for week (lots of II if independent)
  • Can cost less
  • You get a triennial or other really cheap TS to get you into whichever cash option you want. I recommend RCI.
  • You use this specific owned week or if cheap enough eat the MF as a membership fee.
  • You primarily look for Extra Vacations and Last Calls for most of your stays
What you don't do
  • Trading or cash stays aren't used much.
  • You might never stay in your owned location
  • You probably aren't going to have much trading power so it'll only get you what you specifically own or other weaker stays that may be uninteresting.
How you tend to use it
  • You get sufficient points in the minisystem or sufficient weeks in Marriott like systems to cover all expected trips
  • You book through the minisystem or discounted exchange company
  • There may be discounts you can watch out for, but in many cases if you don't buy retail (and DON'T) and have a lot of points, or extreme flexibility to fly/drive to a place with less than a weeks notice you don't realistically use the discounts or last minute deals.
  • You look for a trader that has really low MFs to the unit power you get
  • You roll the dice on getting a trade, if you're realistic you might upgrade frequently, if you're expecting prime time and location all the time with an independent you probably will be disappointed.
  • Sometimes you get bonus weeks when you deposit an independent week.
  • Some traders are "lock offs" where you can split it into 2 and get 2 trades (at weaker values) for the MF, but you still pay 2 trading fees and other fees.
  • If you do it right, you tend to get more premium locations and places than cash focused but less than ownership focused.
  • You spend time watching for deals. Ideally you have a list of places you might want to go, and rough times of year.
  • You pay to book when they show up.
  • You pay more for Extra Vacations for places that are more high end or desirable locations. ($800-$2600 depending on a lot of factors for a 2BR week)
  • You're ready to go to some "overbuilt" locations multiple times - you can tell which "almost always show up" and just look to book at 45 days out.
  • You're ready to snap up ones that show up on Last Calls with maybe 45 days notice.

Most of us on TUG that post a lot actually do a hybrid of 2 or all 3 of the above though. We also pay a lot in MFs to have multiple options and tend to go on multiple multi week trips a year - so we're still getting a lot of bang for our buck. So part of the reason we have different opinions is a mix of where we want to stay, when, and how much we want to spend to stay there. I.e. I've stayed on Hilton Head Island for $700, for $900, and for $1300 but the quality of the resort, the location (inland, on the beach, etc) varies and time of year varies.You can easily spend more for a summer week at a Marriott on the ocean than a January week in a Spinnaker inland you see. OTOH, if you're willing to drive / uber you can get to all the same attractions outside of the specific resort either way, and you might prefer mid 60s and no crowds to mid 80s and packed too . . .
wow this table is so helpful, ty!!!!
 
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