Trip Coach: May 8, 2007

Lisa Ann Schreier: Wow...sorry to hear, but no, you have no recourse. What you purchased was basically excess weeks of RCI inventory, but with no guarantee, because you don't own anything.

It is unfortunate that these "clubs" are still allowed to operate.

I will advise you to contact RCI directly and see if they can give you some advise for using these certificates...perhaps in off-season in less popular places.

Best of success!

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Los Angeles, CA: We didn't survive the time-share presentation and purchased one in San Diego. Surprise, surprise, we rarely use it. Any tips for how we can sell it?

Lisa Ann Schreier: Sorry to hear that you don't use it. San Diego should be an easy enough rental...there is high demand for that area, and not a lot of supply.

As with one of the other readers, I would suggest you rent it out for a few years, get some money, and then sell it, even for half of what you paid for it, through a legit process like "TimeSharing Today" out of New Jersey or even yourself.

Here's a hint...when you rent it out, stay away from the word "time-share" and call it a condo, villa, etc. You'll have much better success!

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Easton PA: Does it make any sense to buy a time-share nearby (in my case the Poconos) and hope to be able to trade for other areas? Of course I'm hoping to save money!

Lisa Ann Schreier: I would recommend purchasing in the Poconos only if you plan on using it there more. Nothing against the area, but the Poconos is what is referred to as a "regional destination" unlike a "world destination" such as Vegas, New York, Orlando, etc.

If you plan on using it there more, by all means get yourself a good deal at a resort that you like!

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Auburn, Maine: What do you know about Starwood Vacation properties? Is it a good investment?

Lisa Ann Schreier: Never purchase a time-share, Starwood or other, as an investment. It isn't. Rarely if ever do they appreciate in value. A time-share is merely an investment in your future vacations...an alternative to renting hotels or condos year after year.

Starwood is a very reputable company, with some great resorts around the world. Their prices are somewhat higher than the industry average however, as you are paying for the name brand.

You may want to consult with someone who has no ties to any time-share before you decide to purchase. If you e-mail me, I can direct you!

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New York, NY: what's the biggest mistake people make when deciding if time-share is right for them?