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I guess it's all about your perspective. We bought our two bedroom week about five years ago on the secondary market for about $4k from someone who was dumb enough to pay $24k. Yes the annual fees are high but where you going to go for less? We don't do all inclusive because you don't have to. (Just say no) Instead we go out and enjoy the night life and various restaurants we have frequented over the years. We use our week every December and have great time because we don't allow them to make us patsies. We know how to say no. Johnnie Noe and his vipers at Velas can only take advantage of people who allow it. If you open your wallet in Mexico someone will take advantage of the opportunity you present to them. As to the $4k we put into this, we have probably gotten it back and then some. How? By playing their game. Every year we "let ourselves get talked into going" to a couple of timeshare presentations and receive between $350 & $400 cash (x2) prior to listening to the pitch. When their 90 minutes is up we tell them it's over and head to the door. We keep our wallets closed and just say nooooo. We use their money (or is it your money) to go fishing, jungle excursions or sailing. Well be there again this December having a great time.