The next day we went to the timeshare tour. Me and my wife discussed it and agreed that since we were just married and she was recently laid off we would not buy. We also were not homeowners yet. The company was Fairfield resorts and our agent was some russian lady who spoke very bad english. They offered us breakfast which was basically fruit and cereal. I think for the kind of money they expect you to spend on a time share they should be offering steak and eggs. We went on a tour being told how great it is. We were constantly asked during the tour if we wanted to buy it. When we got back to the headquarters from the resort that is when the problem started. Our agent was real happy said how things worked aked us now for something like this how much could we afford to pay per month. I said I don’t know maybe $100 bucks. She then said with a frown. ” hundred bucks, what is hundred bucks”. I must have told her 10 times we were not interested at this time it was too much money. I think they were offering a price of like $20k. In our no exchange she made a veiled insult to me by saying that my wife will leave me because I am cheap if I don’t buy one.My wife was interested as I was, we simply could not afford it. We said that we would like our disney tickets and to leave as my wife and I were starting to get upset. She said ok I have to get someone to check you out then you can leave.

The next guy that came over turned out to be a closer. I knew I was not going to like him. He had that look of evil in his eyes. He made us the same offer only he offered us like $12k then like $6k. But when you factored in the maintenance fees and the monthly fees it came out to like $300 per month plus yearly maintenance fees. I figured it was more important to buy a house than a timeshare. This guy tried to tell me that this would be worth over $100k in like 10 years.I told him he was nuts. Then he said well I could get you the payment cheaper just put it on a credit card. I told him that is a bad idea. He said they offer great rates and pulled out a bunch of offers from his pocket. I told him they are teaser rates that are not usually long term. I also informed him that everyone gets low offers that does not mean you will be approved. And it is financially reckless to use a credit card for a purchase like this a majority of the time. He said his companies rates were so high I should not buy it at their rate, but transfer it to a credit card. I informed him that the company can also arbitrarily raise the rate. ( If you are victimized by high credit card rates check out my guide on credit cards)

They they tried two very strong arm tactics. Our agent tried to have me talk to him and my wife talk to her. I said hell no. They knew she wanted it and figured that they could push her to push me into buying it. I was told that they do this because they think women are easier to manipulate by a friend who used to sell timeshares. She then told me to hold my wallet in one hand and my wifes in the other and asked which do I let go of first. I said obviously my wife means more to me than money. The guy then said that he had a friend that died of brain cancer and wished he took vacations, since vacationing was not my top priority. This was actually the first one I took in my adult life. He basically then told my wife that I was overworked and if I did not buy a timeshare and take vacations I would be dead within 10years. This upset my wife which she started crying. Then he said did the truth hurt. After I told him, to be politically correct, that I was about to practice reconstructive surgery on his face without a license he excused himself while my wife calmed me down. Our agent then said to push a chair at the table out when we decide. after I calmed her down we did she came back.

They then had us speak to a third person who was a bit nicer but still tried to sell us something he was going to sell us what was called an exploratory membership for like $2k, which they would credit to our purchase if we decided to buy. This way we could go on a few getaways to their resorts. In a brief lapse of sanity I agreed to buy then later cancelled when I came to my senses. All told we were ther like six hours, my wife was hysterically upset and our day was ruined and also we got were disney tickets for half price. We found out that in this case we got the hotel either way. In this case most make you take the tour just to get the hotel and whatever gift. We also went on another timeshare tour with another company ( i dont recall the name) at Williamsburg plantation that was basically the same thing, but alot nicer. And their breakfast was better, but the same set up, rep, closer, then a no pressure closer. The prices went the same started in the $20k then $8k then I think they offered us like $1.5k. Now for the tips.