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What should we buy?

vidx3m

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We are a family of four, our kids are 14 (boy) and 15 (girl), live in Toronto and typically travel 2 to 3 times each year. We tend to visit Florida (Disney/Orlando) and Mexico as our go-to spots, but also love adventures, so we seek out different big adventures every few years, we have been looking for new destinations to explore. We would like to do more with less $$$ and so have been exploring resale timeshares. We're interested in accessing 2 bedroom units as the kids are now at an age that requires the extra space. We typically fly 2-5 hours to our holiday destinations, would also consider good destinations that we can drive to, every few years we drive to New York or Quebec (Mont Tremblant).


1) Is there a vacation destination you wish to visit most of the time or on a regular basis? if so where? Orlando Florida and Cancun Mexico

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? We would like the flexibility to trade and go to different places. We tend to fly to our vacations and so don't see a reason to be tied to a single home resort.

3) What are your 5 top trade destinations? Caribbean (Bahamas, Jamaica etc) Europe (Venice, Barcelona, Paris, London), Asia

4) How many people do you usually travel with - total, including yourself? We are a family of 4, including two teens 14 & 15

5) Can you travel any time, or are you locked into the school schedule? Most of our travels are during school holidays, however, for the last few years we've done a week to Mexico or Florida in early December. (Pull the kids from school for a week)

6) Can you make firm plans 12 or more mos. in advance? Most of our vacations are planned a year in advance, we seldom do last minute travel.

7) Can you vacation for a full week at a time? Our vacations are usually 5 -10 days at a time

8) What level of accommodations do you prefer on a scale of 1 to 5 stars? 3.5 - 5, this really depends on the destination, our Mexico trips are typically 4 - 5 stars. Florida 3.5 or better.

9) How much can you afford to spend upfront, without financing? Upto $5,000, but we would prefer a lower upfront.

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? Upto $2,500 is a reasonable amount for us.

11) Are you a detail oriented planner? We plan our vacations as a family, and yes.

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 Understood
 

vacationtime1

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You are a good candidate for owning a timeshare, but you don't need to own for your Orlando trips; there is an abundance of cheap rentals. You can get what you want in Orlando without the commitment of owning (and often for less money).

If you have stayed in the Westin Lagunamar and like it, you can purchase a resale unit there easily within your budget. Or you could buy a Westin mandatory unit (such as Kierland) and use StarOptions to trade to Cancun.
 

vidx3m

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You are a good candidate for owning a timeshare, but you don't need to own for your Orlando trips; there is an abundance of cheap rentals. You can get what you want in Orlando without the commitment of owning (and often for less money).

If you have stayed in the Westin Lagunamar and like it, you can purchase a resale unit there easily within your budget. Or you could buy a Westin mandatory unit (such as Kierland) and use StarOptions to trade to Cancun.
I'd like to understand what you said here better -
"You can get what you want in Orlando without the commitment of owning (and often for less money)."

How can this be achieved?

Also we haven't stayed at the Westin Lagunamar, however this seems like a place we would consider.

By the way we are not tied to Cancun, that's what we've done in recent years, because its easy, but we are open to exploring new destinations as well.
 

Passepartout

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You will only be traveling as a family for perhaps 4-5 years, then those kiddos will be off doing their own adult things and you'll be two travelers with a much more flexible schedule.

A others have suggested, maybe buy a RESALE Westin with lots of flexibility in exchanges. Or simply rent and don't own a TS with it's annual costs regardless of use and the likelihood that it will cost more to terminate than your buy-in.

Jim
 

vacationtime1

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I'd like to understand what you said here better -
"You can get what you want in Orlando without the commitment of owning (and often for less money)."

How can this be achieved?
Rent from an owner. You can find rentals here on the TUG Marketplace https://www.tug2.com/timesharemarketplace/rentals and at www.Redweek.com

If/when you own a timeshare (or have a friend that does) you can also find very cheap last minute deals through II Getaways and RCI Last Call.

Orlando is very, very easy to get. The supply exceeds the demand.
 

vidx3m

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You will only be traveling as a family for perhaps 4-5 years, then those kiddos will be off doing their own adult things and you'll be two travelers with a much more flexible schedule.

A others have suggested, maybe buy a RESALE Westin with lots of flexibility in exchanges. Or simply rent and don't own a TS with it's annual costs regardless of use and the likelihood that it will cost more to terminate than your buy-in.

Jim
Are the Westin resorts accessed via the Vistana Westin Aventuras Points or Vistana Westin Flex Points, I'm not clear on the difference.
 

CalGalTraveler

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You should also consider HGVC deeds. Vegas (11,200 pt Blvd, Paradise, Flamingo or Elara) or a Cragendarroch Scotland Lodge 11,200 points summer 2 bdrm. You can buy the latter from an HGVC UK sales rep.
 

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Are the Westin resorts accessed via the Vistana Westin Aventuras Points or Vistana Westin Flex Points, I'm not clear on the difference.
Westin Aventuras home resorts are two resorts in Mexico, one in Cancun and the other in Los Cabos. Westin Flex home resorts are the properties in the U.S.; three are on Maui, one on Kaua'i, two near Palm Springs, CA, one in Avon (near Vail), CO, and one in Scottsdale, AZ.
 

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You should also consider HGVC deeds. Vegas (11,200 pt Blvd, Paradise, Flamingo or Elara) or a Cragendarroch Scotland Lodge 11,200 points summer 2 bdrm. You can buy the latter from an HGVC UK sales rep.
Thanks for this suggestion. I've been looking into HGVC, interesting to us since they have Blue Mountain which is an hour drive for us and Tremblant which is 6 hour drive for us. I have to research further to understand the HGVC program and determine how it would fit for us.
 

CalGalTraveler

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You will not get those resorts with HGVC because those are part of Embarc which came with the Diamond acquisition. Separate portfolio of resorts. I know, confusing.

However you can trade Craig lodges into DEX EU for weeklong stays at these resorts. You could then use HGVC/RCI for open season and getaway cash stays in Florida becaus
e you will deposit your unit into DEX.

When u do not want those resorts, you can deposit Craig into HGVC for points to use at any of their resorts, or convert to RCI or Hilton hotel points
 
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sponger76

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Thanks for this suggestion. I've been looking into HGVC, interesting to us since they have Blue Mountain which is an hour drive for us and Tremblant which is 6 hour drive for us. I have to research further to understand the HGVC program and determine how it would fit for us.
Please note that while they are labeled HGVC, those Canada properties are not directly accessible using the regular HGVC program. They are former Embac properties, which is a separate network. From what I understand, HGVC members only have access if they have HGV Max. It works the same in the other direction as well, Embarc owners only have access to legacy HGVC resorts via Max. All of this despite some of the Embarc properties being relabeled with HGVC in their names.
 

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Please note that while they are labeled HGVC, those Canada properties are not directly accessible using the regular HGVC program. They are former Embac properties, which is a separate network. From what I understand, HGVC members only have access if they have HGV Max. It works the same in the other direction as well, Embarc owners only have access to legacy HGVC resorts via Max. All of this despite some of the Embarc properties being relabeled with HGVC in their names.
Noted. Thanks for pointing this out. There are very limited opportunities for Canadian properties across the different platforms. I've been thinking about the whole concept of finding options that we could use more of for short stays without flying to the destinations, not many options to drive to from Toronto.
 

vidx3m

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You will not get those resorts with HGVC because those are part of Embarc which came with the Diamond acquisition. Separate portfolio of resorts. I know, confusing.

However you can trade Craig lodges into DEX EU for weeklong stays at these resorts. You could then use HGVC/RCI for open season and getaway cash stays in Florida becaus
e you will deposit your unit into DEX.

When u do not want those resorts, you can deposit Craig into HGVC for points to use at any of their resorts, or convert to RCI or Hilton hotel points
The DEX option seems like a good work around when required. However would these Canadian properties be otherwise accessible via Interval Intl or RCI?
 

sponger76

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The DEX option seems like a good work around when required. However would these Canadian properties be otherwise accessible via Interval Intl or RCI?
The Embarc properties do exchange in Interval International. I've been considering an exchange into the Whistler property, and possibly Tremblant.
 

vidx3m

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The Embarc properties do exchange in Interval International. I've been considering an exchange into the Whistler property, and possibly Tremblant.
Good to know.

By the way, when looking at the HGVC, the resale listings seems to require larger upfront payments than others. While this suggest that there would be an exit available in the furture, what is it about HGVC that commands this upfront premium and is it worth paying for.
 

sponger76

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Good to know.

By the way, when looking at the HGVC, the resale listings seems to require larger upfront payments than others. While this suggest that there would be an exit available in the furture, what is it about HGVC that commands this upfront premium and is it worth paying for.
Although I have stayed at a couple of their resorts, I don't actually own HGVC. They do have good properties, and I believe their annual maintenance fees are a little lower than Marriott or Westin properties. Property quality plus lower fees tends to result in higher resale value. Other factors might be ease of rentals if an owner isn't actually going to stay themselves, or less restrictions for resale owners.
 

geist1223

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You might also want to check out various pure point Systems. There is no Home Resort. Worldmark resell Credits (Points) go for about 10 cents (USA) per Credit. You do have to pay your Maintenance Fees in USA Dollars. You have full access to the 90+ Worldmark Resorts which include Fiji, San Jose del Cabo, Cancun (Isla Mujeres), Canmore, Victoria BC, Vancouver BC, Hawaii, etc. Worldmark is primarily west of the Mississippi but does have Resorts in Florida. You also have access to various Cash Options - Monday Madness, Inventory Specials, and Bonus Time. Worldmark Credits are good for about 25 months after being deposited into your Account and you can Book 13 months in advance. For example if August is your Aniversary Month then Credits deposited on August 1, 2024 must be Booked by August 31, 2026 and because you can Book 13 months in advance a Booking made on Augst 31, 2026 could start as late as September 30, 2027. You can also borrow Credits and House Keeping Tokens 1 year in advance for no Fee. Worldmark trades II and RCI.
 

CalGalTraveler

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HGVC will not give you access to Interval International.

DEX (which is HGV's internal trading system) has 515 reservations available for a week in Tremblant between now and Mid Nov 2025. Blue Mountain has 1150 for same period.

Interval is a guessing game because you need to enter your desired weeks and see if a match arises. Often such matches do not happen in peak season.

HGVMax may have fewer than 7 night stays and is only available if you buy retail from developer; that will cost a lot more than your budget.
 

vidx3m

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HGVC will not give you access to Interval International.

DEX (which is HGV's internal trading system) has 515 reservations available for a week in Tremblant between now and Mid Nov 2025. Blue Mountain has 1150 for same period.

Interval is a guessing game because you need to enter your desired weeks and see if a match arises. Often such matches do not happen in peak season.

HGVMax may have fewer than 7 night stays and is only available if you buy retail from developer; that will cost a lot more than your budget.
Thanks for this info, very helpful context.
 

vidx3m

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You might also want to check out various pure point Systems. There is no Home Resort. Worldmark resell Credits (Points) go for about 10 cents (USA) per Credit. You do have to pay your Maintenance Fees in USA Dollars. You have full access to the 90+ Worldmark Resorts which include Fiji, San Jose del Cabo, Cancun (Isla Mujeres), Canmore, Victoria BC, Vancouver BC, Hawaii, etc. Worldmark is primarily west of the Mississippi but does have Resorts in Florida. You also have access to various Cash Options - Monday Madness, Inventory Specials, and Bonus Time. Worldmark Credits are good for about 25 months after being deposited into your Account and you can Book 13 months in advance. For example if August is your Aniversary Month then Credits deposited on August 1, 2024 must be Booked by August 31, 2026 and because you can Book 13 months in advance a Booking made on Augst 31, 2026 could start as late as September 30, 2027. You can also borrow Credits and House Keeping Tokens 1 year in advance for no Fee. Worldmark trades II and RCI.
This approach seems to have greater flexibility. Thanks for being this option to my attention, I have to do some research to see what their portfolio of resorts are like.

Are these typically as good as the HGVC properties?
 

sponger76

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This approach seems to have greater flexibility. Thanks for being this option to my attention, I have to do some research to see what their portfolio of resorts are like.

Are these typically as good as the HGVC properties?
WM is generally not nearly as fancy as HGVC, but still decent and definitely better than standard hotel rooms.
 

austdav

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Magic Tree is really close to the Disney entrance. It is a small Gold Crown resort. You can purchase units right from the resort and they will do a quick deed for about $100. Takes about a week and your done. They do not always have 2bd though. They give away 1bd's for free but 2bd's cost 2k or less usually. I own 3 wks their. MF's on a 2bd are $625. While Orlando has a lot of resorts and you can get there cheep most of the time Christmas & new years & spring break when school is out is not one of those times. HGVC will never discount points during those periods. So you can pay HGVC $1800 or Magic Tree $625. Choice is yours. Magic Tree also doesn't care what trading company you use. Or you can belong to all of them if you want. I belong to both RCI & II. HGVC trades through RCI. You can reserve your week in July of the year before, this also increases your trading power. You can check in Friday through Monday which is nice. Check out the reviews it is a nice resort. If you have questions just call them and ask they never tried to deceive me when I bought unlike other places. All the amenities are the resort are free to use, no extra cost.
 

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I highly recommend just renting in Orlando and Mexico until the kids are grown. There is no downside to renting -- especially for your situation. The kids will be grown soon, and then you won't be a slave to school schedules. This opens up many more options.
 

vidx3m

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Magic Tree is really close to the Disney entrance. It is a small Gold Crown resort. You can purchase units right from the resort and they will do a quick deed for about $100. Takes about a week and your done. They do not always have 2bd though. They give away 1bd's for free but 2bd's cost 2k or less usually. I own 3 wks their. MF's on a 2bd are $625. While Orlando has a lot of resorts and you can get there cheep most of the time Christmas & new years & spring break when school is out is not one of those times. HGVC will never discount points during those periods. So you can pay HGVC $1800 or Magic Tree $625. Choice is yours. Magic Tree also doesn't care what trading company you use. Or you can belong to all of them if you want. I belong to both RCI & II. HGVC trades through RCI. You can reserve your week in July of the year before, this also increases your trading power. You can check in Friday through Monday which is nice. Check out the reviews it is a nice resort. If you have questions just call them and ask they never tried to deceive me when I bought unlike other places. All the amenities are the resort are free to use, no extra cost.
In the past when I've looked at Capital resorts, they seem to be lower quality stays. Not the same as HGVC properties. I appreciate this suggestion, I'll take a look again.
 

vidx3m

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I highly recommend just renting in Orlando and Mexico until the kids are grown. There is no downside to renting -- especially for your situation. The kids will be grown soon, and then you won't be a slave to school schedules. This opens up many more options.
I'm starting to think that this might be a better approach for us. Renting seem to cover Florida well. However, we would like to start vacationing elsewhere, and that's where we felt the resale timeshare would add value. Given that we almost always have to fly to our destination, we are seeking options that would offer better cost accommodations.

I've been looking into WorldMark, this seems like an interesting option, with lower entry cost and maintenance fees than HGVC, however most of their resorts are West. We would probably benefit from trading points on RCI or taking advantage of their many discounted stays, inventory sales, Monday madness etc. I'm still reviewing this option.

The hesitation for me is committing to an upfront cost and maintenance fee for a program that does not really give me any more of an edge than how we travel now.

I need to see a clear potential for savings and maybe added adventures.
 
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