My issues are as follows: • I'm from Chicago and attempts to book a reservation led to the knowledge that there was just one property in the area, and it required more points than I had to book it. I would have to bank my points for 2 years or buy more to reserve a room. Also, it was in high demand and reserving a room was almost impossible. Since I have seldom been able to use the property, I have actually lost points due to expiration. In hindsight, I have learned a few things: • The statement that you save money by investing in a timeshare is erroneous in my situation. At the beginning of the contract, my monthly outlay was $$328.22 (mortgage and maintenance fee). The annual total was $3, 938.64. The belief that I would actually spend almost $4, 000 for a hotel and this would save me money is ridiculous. Currently the annual amount is $5, 774.00. • The weekly point amounts needed to reserve a room continue to rise, forcing you to buy more points (increased debt), which in turn raise your maintenance fees (increased debt), A never-ending cycle of indebtedness. • The amount properties available seem to be huge, however, their location, available amenities, availability according to seasons make it a hit or miss opportunity to use. When I was approached to attend another presentation, (for additional incentives which I found I was unable to use), it focused on how to secure advance reservations. Through a process of multiple requests with varied requirements, book a year in advance, we were assured of a "much better chance" of securing a reservation. That is simply too much work. • Also touted were RCI and another portal with which we could pay a transfer fee and other properties within an area would be available. Needless to say ALL of my efforts to locate a property in Chicago, IL were fruitless. The location of the properties should be evident. If they have properties in areas that are for skiing, horseback riding, hiking, etc., it should be made clear that these properties are not for older individuals looking to visit large cities or housing visiting relatives