Sometimes we learn very important lessons when we do something right. Most of the time, we learn difficult lessons when we do something wrong.
Right after we got married we got involved in a vacation club. Unfortunately this club has not suited our vacation needs at all. It is not a bad program, just not for us. We should have been married longer before we decided on something like this. With a smallish upfront cost $3250 we thought it was a nice opportunity but five years later we have used it once and owe an annual maintenance fee of $325. We really hurt ourselves with this program and I would consider it one of my largest financial regrets. This program can not be given back and so far we have been unable to sell it even at a very steep discount.
The lesson to learn is: Do not make a hasty decision in front of a salesman. If they don't give you time to make up your mind then you don't want it. (I had to learn this lesson now two times to truly believe it.)
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