IF YOU ARE A HOMEOWNER, earn at least $35,000 per year, and have taken a vacation in the past five years or so, the odds are that you have received an invitation to a partially paid or all-expenses-paid vacation courtesy of a timeshare developer. The catch is that you have to give up an hour or two of your vacation time to listen to their sales pitch. Is accepting the invitation to one of these “fly-and-buy” deals a good idea? Or are you setting yourself up for a financial fall?

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