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My husband and I have been owners since 2005, with a bi-annual split week. We were either lied to, or misunderstood, the terms of our contract (which we did not receive until several weeks afterwards, thereby negating the 7 day cancellation rule), as we have never been able to directly call The Manhattan Club (TMC) for a reservation. We were astonished to learn that we must instead call RCI to reserve our own home resort! Since we have to pay the annual RCI membership fee, we have chosen to use the points to vacation in other locations. Over the years, we have gone to New Orleans, Las Vegas, Hilton Head, Myrtle Beach, Palm Beach, Vero Beach and Orlando, all at very nice Gold Crown resorts. While we aren't happy with the steep rise in TMC annual maintenance dues, we console ourselves that at least we are getting nice vacations. Our biggest concern, as we get older, is how to make sure our children aren't saddled with these fees, so we are thinking of willing the deed back to TMC upon our death. Of course, we'll check with our lawyer to see if this is legal.