Yes - thank you for your input! I do NOT think we'd ever go to HH, so thanks for the advice and even though i quickly consider HH, i'll scratch off the list. Yes, a timeshare is NOT like owning property. I do realize that this is NOT an investment. I think of this as more of something I am paying for to enjoy vacation time with my family or for hubby and I to enjoy in future years to come. Which brings to another question for a new post.....