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confused TS owner (by Annie J.):

Hi forum. Like many others, I have been "sucker/bedazzeled" into purchaseing an overpriced timeshare in a new Las Vegas Resort. I have owned it for two years now, but haven't used it because it isn't built yet, so last year they put us in a sister resort which was not as nice. My trouble is...I really don't understand how to use this. I obviously cannot sell it because it isn't really worth anything, so need to learn how to best use it. I have a mortgage bill, a maintenance fee, and a exchange fee. Do I have to use their exchange company to travel somewhere else or commit to my own resort over and over? What if I would like to "share" my time some where else? I have searched and just not geting it. It is through interval world, but their website and customer service is not very helpful. We would like to do an Alaskan Cruise and a Carribian Cruise. Neither of these fit into my timeshare. Please help. Some of you are happy with your purchase and I hope to be if I could find some value. Also, not really understanding the concept of banking my week. Does this mean to bank my week this year and go nowhere and then next year would have two weeks to use. Is it that simple? Thank you!