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Hub You - Things To Consider Before Buying a Condo Hotel or Resort Residence
It is worth remembering that the work environment is primarily an unconventional setting for adults. At home we may have responsibilities for bringing up children, paying mortgages, doing DIY and being good neighbours. These are all self-regulating activities and most people manage to do these without too much stress. The workplace however often requires us to leave our adult instincts at the door and adopt a ‘role-play’ approach in order to fit in with the prevailing culture. Such a setting can encourage competition which in itself can encourage the individuals within it to raise their game and perform better than they may do alone. On the other hand, this competitive ‘system’ can lead to behaviours that seem to conflict with adult best practice. When disagreements arise, the consequences can often be ugly and lead to ongoing stress and low morale amongst those involved. Below we shall look at how such a situation may arise and how a facilitated discussion might help.Let us take an example – Joe is in charge of business development for an IT consulting firm. He has successfully negotiated a key contract to develop some software for a hedge fund company. The negotiations were difficult, considering that a competitor was also bidding for the same project. Joe is very pleased to have won the deal. A team is assembled to des
-Are there other properties in the same management group that you can use? Some properties are managed by companies that have other properties available for you to use as an alternative. This can be an ideal feature, especially if you like to travel or want to share your available property time with family and friends.
Amenities and Services
-What amenities and services are available for residents and what do they cost?
As was mentioned in the previous chapter, it is important to have a full understanding of the services and amenities offered and the charge, if any. Some properties seem less expensive at first, but if you find that you will have to pay for things such as laundry, maid service, and furniture, appliance and decorating upgrades, the price doesn’t seem so great anymore.
Be sure you know the actual price it will cost you to get the unit with the furnishing you want and the services you use on a regular basis. These expenses are all part of the overall cost of a property.
If You No Longer Want the Property
-What if you change your mind about the purchase?
In response to high pressure sell tactics of some standard timeshare properties, the State of Florida enacted a rescission law that allows you to change your mind about your purchase within a certain timeframe. If purchasing a new property, you have 15 days to change your mind and receive your deposit back. On a resale unit, the timeframe is 3 days.
-Can I sell or transfer ownership of my property, and if so, are there restrictions or penalties?
T
We all know how important a logo is for an organization. Starting from the stationery, accessories to large billboards, a company logo finds place in almost everything that belongs to the company. Wrong placement of a logo can easily demean the very essence of it and that’s why, placement of a logo at the right place is critical. While there is no pre-determined perfect place for a logo to be positioned, the thumb rule is, irrespective of its color or size; a logo should be put at a place where it gets the maximum exposure.So, how do we go about it? There are no fixed rules for placing a logo. So before positioning a logo on a product, we need to answer three simple questions:Who will use the product? How will it be used? Where will it be used?Let’s take a basic example of stationery accessories like a pen or a pencil. In case of a pen we are more likely to find the logo at the middle of the tube whereas in case of a pencil we usually find it at the rear end i.e. away from the tip. The underlying reason behind this placement is while using a pen or a pencil, we hold it near the tip and thus that place gets concealed within our fingers. So having the logo near the tip makes less impact. The rear part of a pen or a pencil gets the maximum exposure, so a logo over there gathers more viewer attention.In
Pricing and Initial Purchase
-Is the price negotiable and do you need to purchase through a certain company or representative? Who gets a commission off the sale? Some properties have a small percentage of flexibility in price while others are basically set in stone. This will usually be determined by demand, as well as overall policy of the developer or management company. Also, if you know who stands to profit from the sale and how much, it could help you in your negotiations.
-Is the property already completed or is it in pre-construction?
This question is important because the answer will likely affect the price of the unit. Many properties in the beginning stages of development will be sold at a discount to attract buyers, but as it becomes a more certain investment or units increase in demand, the price will go up.
-If the property is in pre-construction, when will it be completed and what will the overall property look like?
You may be anxious to get into your unit or have a certain occasion in mind. If completion is two years out, you may not want to wait. Also, a property in the early stages may look great to someone who wants a small facility with a low-key, less populated atmosphere. But there may be plans for hundreds or even thousands of additional units and large clubhouses, retail areas or other features that will draw many people. If you plan to keep your property for many years, you want to be sure it will fit your needs when it is finished.
-How many other owners are there?
This question is important for those considering purchases of fractionals. The price and amount of time available each year will depend on the number of other ownership opportunities offered in the particular unit. More than eight or ten other owners will make competition for primetime more difficult.
-What type of financing is available for this type of property in general and for this specific development?
Both condo hotels and fractionals are considered timeshare properties. Even if they are viewed as a second home, the bank considers all three types of properties discussed here as a secondary obligation – one that is less important than your primary home mortgage. As a result, you may have to pay 10 or 20 % down and the rate may be higher than a traditional home loan.
Some developers offer financing, which can be helpful, but be sure you understand the details. Some may require a smaller amount down, but will ask for a large payment upon taking possession of the unit. This arrangement may be fine with you, but you don’t want any surprises.
Another financing option is to take out a second mortgage on the equity in your existing home. If you choose this route, be sure the interest rate does not make it much more expensive in the long run. Also, you need to be aware that if you use a home equity loan to finance your purchase, you have only 90 days to refinance to a regular mortgage.
Information About the Management
-Who are the developers? Who will manage the property?
The first question will be important in determining the quality and reputation of the property. The second question will help determine if the management organization is well-known, professional, and likely to increase your rental income or resale value. These two questions are critical from an investment perspective.
Costs Associated With Ongoing Ownership
-What are the ongoing costs and who pays for them? Is there an annual membership fee?
There will typically be costs for insurance, real estate taxes, and improvement of the facilities. Although owners generally pay for these items, especially in a condo hotel setting, it is still important to ask. Other expenses to verify include housekeeping, marketing, administrative and general maintenance of the property. These are usually paid by the facility but one shouldn’t assume this is the case.
Rental Plan & Income Generated
-Is there a rental program and is it voluntary?
You will want to know if you can choose whether or not to participate in a rental program. This is true for all properties as some hotel residences and fractionals also offer this option as a means of generating income.
-How is the property marketed and does it have a history of success or features that will make it competitive in the vacation rental market? If you plan on receiving rental income from your property when you are not there, it is important to find out what the management’s experience and approach is. Somebody like Hilton or Four Seasons has a reputation for luxury and good service and will likely attract more renters than an unknown management company. In addition, if the property has a popular restaurant, is located near a convention center, shopping area or other facility that will draw people in, you are more likely to find interested renters on a regular basis.
It is important to note that due to the unknowns involved in marketing and renting vacation properties, you should not count on rental income to cover the costs of ownership. Instead, experts recommend that you view this income as a bonus, if and when it is paid to you. The main consideration should be finding a property that you enjoy and will use.
-How is rental income distributed?
Gain a clear understanding of the percentage of rental income that will come to you, as well as any fees or charges that will come out first, such as furniture and decorating charges, and savings accounts for replacement of items. Some properties offer a better ratio than others.
Availability and Usage
-How often can you use the property? How long can you stay? How do you reserve time and how far in advance do you need to notify someone? These will be important questions for condo hotel and fractional owners. But even in a hotel residence, you may need to call ahead to let someone know you are coming. Otherwise, your place may not be cleaned and stocked with supplies.
-What if you want to cancel your time or reschedule? How far in advance do you need to let someone know? Is there a penalty? Can your friends and family use your allotted time if you’re not able to?
For condo hotel and fractionals owners, the guidelines that dictate what happens when you can’t be at the property are as important as those for when you are using the unit. Be sure there is plenty of flexibility so that you can easily make adjustments and get the most out of your property without being penalized unnecessarily.
-Are there other properties in the same management group that you can use? Some properties are managed by companies that have other properties available for you to use as an alternative. This can be an ideal feature, especially if you like to travel or want to share your available property time with family and friends.
Amenities and Services
-What amenities and services are available for residents and what do they cost?
As was mentioned in the previous chapter, it is important to have a full understanding of the services and amenities offered and the charge, if any. Some properties seem less expensive at first, but if you find that you will have to pay for things such as laundry, maid service, and furniture, appliance and decorating upgrades, the price doesn’t seem so great anymore.
Be sure you know the actual price it will cost you to get the unit with the furnishing you want and the services you use on a regular basis. These expenses are all part of the overall cost of a property.
If You No Longer Want the Property
-What if you change your mind about the purchase?
In response to high pressure sell tactics of some standard timeshare properties, the State of Florida enacted a rescission law that allows you to change your mind about your purchase within a certain timeframe. If purchasing a new property, you have 15 days to change your mind and receive your deposit back. On a resale unit, the timeframe is 3 days.
-Can I sell or transfer ownership of my property, and if so, are there restrictions or penalties?
Th
Recently I had an unpleasant networking experience that I thought would make a good article. Here's my take on what to do, verses what NOT to do, when meeting with a potential networking associate.I was in a well-known office supply store, and a young clerk tried, unsuccessfully, to establish a networking relationship with me. Here are seven things he demonstrated, things I already knew, but things that some young or inexperienced entrepreneurs might not know. So here they are:1. Introduce Yourself – The person I met did not introduce himself to me. Once he learned my occupation, he immediately started his spiel about his other, non-office supply store, occupation, and how networking with him could benefit him.2. Ask the Other Person What His/Her Name Is – This person never asked what my name was! Imagine trying to establish a networking relationship and never even asking the person’s name.3. Give One or Two Business Cards, No More –This person gave me EIGHT cards! And I didn’t even want one of them! If your potential networking associate wants to work with you, they will contact you. You can give more cards at that time, if it seems appropriate.4. Ask for One or Two Cards – After giving his EIGHT cards, he didn’t even
-How many other owners are there?
This question is important for those considering purchases of fractionals. The price and amount of time available each year will depend on the number of other ownership opportunities offered in the particular unit. More than eight or ten other owners will make competition for primetime more difficult.
-What type of financing is available for this type of property in general and for this specific development?
Both condo hotels and fractionals are considered timeshare properties. Even if they are viewed as a second home, the bank considers all three types of properties discussed here as a secondary obligation – one that is less important than your primary home mortgage. As a result, you may have to pay 10 or 20 % down and the rate may be higher than a traditional home loan.
Some developers offer financing, which can be helpful, but be sure you understand the details. Some may require a smaller amount down, but will ask for a large payment upon taking possession of the unit. This arrangement may be fine with you, but you don’t want any surprises.
Another financing option is to take out a second mortgage on the equity in your existing home. If you choose this route, be sure the interest rate does not make it much more expensive in the long run. Also, you need to be aware that if you use a home equity loan to finance your purchase, you have only 90 days to refinance to a regular mortgage.
Information About the Management
-Who are the developers? Who will manage the property?
The first question will be important in determining the quality and reputation of the property. The second question will help determine if the management organization is well-known, professional, and likely to increase your rental income or resale value. These two questions are critical from an investment perspective.
Costs Associated With Ongoing Ownership
-What are the ongoing costs and who pays for them? Is there an annual membership fee?
There will typically be costs for insurance, real estate taxes, and improvement of the facilities. Although owners generally pay for these items, especially in a condo hotel setting, it is still important to ask. Other expenses to verify include housekeeping, marketing, administrative and general maintenance of the property. These are usually paid by the facility but one shouldn’t assume this is the case.
Rental Plan & Income Generated
-Is there a rental program and is it voluntary?
You will want to know if you can choose whether or not to participate in a rental program. This is true for all properties as some hotel residences and fractionals also offer this option as a means of generating income.
-How is the property marketed and does it have a history of success or features that will make it competitive in the vacation rental market? If you plan on receiving rental income from your property when you are not there, it is important to find out what the management’s experience and approach is. Somebody like Hilton or Four Seasons has a reputation for luxury and good service and will likely attract more renters than an unknown management company. In addition, if the property has a popular restaurant, is located near a convention center, shopping area or other facility that will draw people in, you are more likely to find interested renters on a regular basis.
It is important to note that due to the unknowns involved in marketing and renting vacation properties, you should not count on rental income to cover the costs of ownership. Instead, experts recommend that you view this income as a bonus, if and when it is paid to you. The main consideration should be finding a property that you enjoy and will use.
-How is rental income distributed?
Gain a clear understanding of the percentage of rental income that will come to you, as well as any fees or charges that will come out first, such as furniture and decorating charges, and savings accounts for replacement of items. Some properties offer a better ratio than others.
Availability and Usage
-How often can you use the property? How long can you stay? How do you reserve time and how far in advance do you need to notify someone? These will be important questions for condo hotel and fractional owners. But even in a hotel residence, you may need to call ahead to let someone know you are coming. Otherwise, your place may not be cleaned and stocked with supplies.
-What if you want to cancel your time or reschedule? How far in advance do you need to let someone know? Is there a penalty? Can your friends and family use your allotted time if you’re not able to?
For condo hotel and fractionals owners, the guidelines that dictate what happens when you can’t be at the property are as important as those for when you are using the unit. Be sure there is plenty of flexibility so that you can easily make adjustments and get the most out of your property without being penalized unnecessarily.
-Are there other properties in the same management group that you can use? Some properties are managed by companies that have other properties available for you to use as an alternative. This can be an ideal feature, especially if you like to travel or want to share your available property time with family and friends.
Amenities and Services
-What amenities and services are available for residents and what do they cost?
As was mentioned in the previous chapter, it is important to have a full understanding of the services and amenities offered and the charge, if any. Some properties seem less expensive at first, but if you find that you will have to pay for things such as laundry, maid service, and furniture, appliance and decorating upgrades, the price doesn’t seem so great anymore.
Be sure you know the actual price it will cost you to get the unit with the furnishing you want and the services you use on a regular basis. These expenses are all part of the overall cost of a property.
If You No Longer Want the Property
-What if you change your mind about the purchase?
In response to high pressure sell tactics of some standard timeshare properties, the State of Florida enacted a rescission law that allows you to change your mind about your purchase within a certain timeframe. If purchasing a new property, you have 15 days to change your mind and receive your deposit back. On a resale unit, the timeframe is 3 days.
-Can I sell or transfer ownership of my property, and if so, are there restrictions or penalties?
T
Every state in the U.S. has a version of the lemon law. The lemon law and qualification requirements are not exactly the same from from state to state, but the basic rights under the law provide you with basically the same level of protection. That is, if you purchase a car that turns out to be a "lemon," you are entitled for a refund or replacement vehicle. But you have to know your state’s law to claim your lemon.Your state probably also has some type of law that requires car manufacturers to honor car warranties under certain conditions. These laws also vary from state to state. It is up to you as the consumer to do some research to determine the laws and statutes in your particular state.For example, the Texas lemon law is available to consumers who buy or lease new vehicles in Texas. This automobile lemon law obligates manufactures to repair, replace, or refund the price of motor vehicles that prove to be defective time and time again. While the lemon law covers many different defects of a vehicle, you have to know the letter of the law to get your vehicle declared a lemon.In California, the Song-Beverly Consumer Warranty Act, or "lemon law" as it is more commonly called, benefits consumers greatly. The California lemon law provides protection when purchasing new and used vehicles, making California co
The first question will be important in determining the quality and reputation of the property. The second question will help determine if the management organization is well-known, professional, and likely to increase your rental income or resale value. These two questions are critical from an investment perspective.
Costs Associated With Ongoing Ownership
-What are the ongoing costs and who pays for them? Is there an annual membership fee?
There will typically be costs for insurance, real estate taxes, and improvement of the facilities. Although owners generally pay for these items, especially in a condo hotel setting, it is still important to ask. Other expenses to verify include housekeeping, marketing, administrative and general maintenance of the property. These are usually paid by the facility but one shouldn’t assume this is the case.
Rental Plan & Income Generated
-Is there a rental program and is it voluntary?
You will want to know if you can choose whether or not to participate in a rental program. This is true for all properties as some hotel residences and fractionals also offer this option as a means of generating income.
-How is the property marketed and does it have a history of success or features that will make it competitive in the vacation rental market? If you plan on receiving rental income from your property when you are not there, it is important to find out what the management’s experience and approach is. Somebody like Hilton or Four Seasons has a reputation for luxury and good service and will likely attract more renters than an unknown management company. In addition, if the property has a popular restaurant, is located near a convention center, shopping area or other facility that will draw people in, you are more likely to find interested renters on a regular basis.
It is important to note that due to the unknowns involved in marketing and renting vacation properties, you should not count on rental income to cover the costs of ownership. Instead, experts recommend that you view this income as a bonus, if and when it is paid to you. The main consideration should be finding a property that you enjoy and will use.
-How is rental income distributed?
Gain a clear understanding of the percentage of rental income that will come to you, as well as any fees or charges that will come out first, such as furniture and decorating charges, and savings accounts for replacement of items. Some properties offer a better ratio than others.
Availability and Usage
-How often can you use the property? How long can you stay? How do you reserve time and how far in advance do you need to notify someone? These will be important questions for condo hotel and fractional owners. But even in a hotel residence, you may need to call ahead to let someone know you are coming. Otherwise, your place may not be cleaned and stocked with supplies.
-What if you want to cancel your time or reschedule? How far in advance do you need to let someone know? Is there a penalty? Can your friends and family use your allotted time if you’re not able to?
For condo hotel and fractionals owners, the guidelines that dictate what happens when you can’t be at the property are as important as those for when you are using the unit. Be sure there is plenty of flexibility so that you can easily make adjustments and get the most out of your property without being penalized unnecessarily.
-Are there other properties in the same management group that you can use? Some properties are managed by companies that have other properties available for you to use as an alternative. This can be an ideal feature, especially if you like to travel or want to share your available property time with family and friends.
Amenities and Services
-What amenities and services are available for residents and what do they cost?
As was mentioned in the previous chapter, it is important to have a full understanding of the services and amenities offered and the charge, if any. Some properties seem less expensive at first, but if you find that you will have to pay for things such as laundry, maid service, and furniture, appliance and decorating upgrades, the price doesn’t seem so great anymore.
Be sure you know the actual price it will cost you to get the unit with the furnishing you want and the services you use on a regular basis. These expenses are all part of the overall cost of a property.
If You No Longer Want the Property
-What if you change your mind about the purchase?
In response to high pressure sell tactics of some standard timeshare properties, the State of Florida enacted a rescission law that allows you to change your mind about your purchase within a certain timeframe. If purchasing a new property, you have 15 days to change your mind and receive your deposit back. On a resale unit, the timeframe is 3 days.
-Can I sell or transfer ownership of my property, and if so, are there restrictions or penalties?
T
Affiliate programs are an advertiser’s way of generating revenue through the use of other companies/people. We will use ClickBank for example, when an e-book is submitted to ClickBank it is submitted with a sales page and an affiliate program. The affiliate programme will offer the opportunity for others to sell the product and in return a percentage of the sale price is given to the affiliate. If you takean e-book book for example if you were to submit it to ClickBank and offer a 49% commission to all affiliates who sold it, affiliates would sign up to the ClickBank affiliate program and find an e-book in the lists of e-books and a hyperlink would be issued with a personalized ClickBank ID integrated inside the link. Place the personalized link on a website, in e-books or generally anywhere that the advertiser would think that will generate traffic. The personalized link will direct the customer to the sales page of this e-book. If they read it and buy the e-book you will receive 51% commission. So if 1000 people sell your e-book for you that’s $25.50 x 1000 = $25,500 which is quite a nice little earner for writing an e-book.Joining affiliate programs on Clickbank and promoting other peoples e-books is even easier than writing your own e-book. Being an affiliate is easy money for very little work it is that simple. Can
It is important to note that due to the unknowns involved in marketing and renting vacation properties, you should not count on rental income to cover the costs of ownership. Instead, experts recommend that you view this income as a bonus, if and when it is paid to you. The main consideration should be finding a property that you enjoy and will use.
-How is rental income distributed?
Gain a clear understanding of the percentage of rental income that will come to you, as well as any fees or charges that will come out first, such as furniture and decorating charges, and savings accounts for replacement of items. Some properties offer a better ratio than others.
Availability and Usage
-How often can you use the property? How long can you stay? How do you reserve time and how far in advance do you need to notify someone? These will be important questions for condo hotel and fractional owners. But even in a hotel residence, you may need to call ahead to let someone know you are coming. Otherwise, your place may not be cleaned and stocked with supplies.
-What if you want to cancel your time or reschedule? How far in advance do you need to let someone know? Is there a penalty? Can your friends and family use your allotted time if you’re not able to?
For condo hotel and fractionals owners, the guidelines that dictate what happens when you can’t be at the property are as important as those for when you are using the unit. Be sure there is plenty of flexibility so that you can easily make adjustments and get the most out of your property without being penalized unnecessarily.
-Are there other properties in the same management group that you can use? Some properties are managed by companies that have other properties available for you to use as an alternative. This can be an ideal feature, especially if you like to travel or want to share your available property time with family and friends.
Amenities and Services
-What amenities and services are available for residents and what do they cost?
As was mentioned in the previous chapter, it is important to have a full understanding of the services and amenities offered and the charge, if any. Some properties seem less expensive at first, but if you find that you will have to pay for things such as laundry, maid service, and furniture, appliance and decorating upgrades, the price doesn’t seem so great anymore.
Be sure you know the actual price it will cost you to get the unit with the furnishing you want and the services you use on a regular basis. These expenses are all part of the overall cost of a property.
If You No Longer Want the Property
-What if you change your mind about the purchase?
In response to high pressure sell tactics of some standard timeshare properties, the State of Florida enacted a rescission law that allows you to change your mind about your purchase within a certain timeframe. If purchasing a new property, you have 15 days to change your mind and receive your deposit back. On a resale unit, the timeframe is 3 days.
-Can I sell or transfer ownership of my property, and if so, are there restrictions or penalties?
T
I had the pleasure of being invited on a friend’s yacht to sail in a race on Sydney Harbour yesterday. On board, as one of our motley crew, I met a top ranking corporate executive from one of Australia’s largest banks, who we’ll call ‘Phil’ here for the purpose of this article. After the race ended and after being told of my trading experience, he told me he has a large stock portfolio, many of which are speculative resources stocks. He said that he’s excited by all the money he’s making and wondering how long this has been going on?As would be expected, ‘Phil’ also asked me for some “hot tips” for more stocks to buy. He was surprised with my reply when I told him Daryl Guppy’s standard response of “Tips are for waiters” and that I thought he was asking the wrong questions. (Daryl Guppy is a well known Stock Trader and International bestselling author - see www.guppytraders.com)Rather, I explained he should be asking:* How much longer will this last?* When it finishes how will I know & what will I do?* How do I find out about Technical Analysis and Money & Risk Management?* What’s a Trading Plan and how do I put one together and follow it?* How and when do I add to the stocks I already own?* How should I structure my portfolio regarding individual stock risk, sector r
-Are there other properties in the same management group that you can use? Some properties are managed by companies that have other properties available for you to use as an alternative. This can be an ideal feature, especially if you like to travel or want to share your available property time with family and friends.
Amenities and Services
-What amenities and services are available for residents and what do they cost?
As was mentioned in the previous chapter, it is important to have a full understanding of the services and amenities offered and the charge, if any. Some properties seem less expensive at first, but if you find that you will have to pay for things such as laundry, maid service, and furniture, appliance and decorating upgrades, the price doesn’t seem so great anymore.
Be sure you know the actual price it will cost you to get the unit with the furnishing you want and the services you use on a regular basis. These expenses are all part of the overall cost of a property.
If You No Longer Want the Property
-What if you change your mind about the purchase?
In response to high pressure sell tactics of some standard timeshare properties, the State of Florida enacted a rescission law that allows you to change your mind about your purchase within a certain timeframe. If purchasing a new property, you have 15 days to change your mind and receive your deposit back. On a resale unit, the timeframe is 3 days.
-Can I sell or transfer ownership of my property, and if so, are there restrictions or penalties?
There may come a time when you want to sell your property or give it to your children. It is important to know the rules about this before you purchase. Some properties may say that you can only transfer ownership to family members. Others may require you to list the unit through the management company. You may also be required to own the property for a certain amount of time before you can sell. It is important to ask these questions before purchasing.
-What is the resale value of the property?
In general, the types of ownership we have described have good resale value and are typically much better than that of standard timeshares. Of the three, fractionals are the most questionable when it comes to resale, but the risk can be greatly minimized if you pick an exclusive property with a well-known management company.
The resale value of your particular property will depend on several factors, including the reputation of the management company, the number of other similar properties available in your area, the condition of the property at the time of sale, the overall real estate market, and the popularity of your location. Some of these things can’t be predicted, but if you do your research it will help you to select a property with high resale value.
This list of questions covers many of the different aspects and issues associated with these innovative forms of resort property ownership. There likely will be other questions you want to ask as you become involved in the process. It is a good idea to enlist the services of a reputable real estate attorney or agent who is familiar with the specifics of condo hotels, fractionals, and hotel residence purchases. It may cost you a bit more, but could end up saving you thousands in the end and can provide you with the peace of mind and freedom to enjoy the experience and to feel satisfied with the process and the terms of the final purchase.
For more on finding and buying the right condo-hotel, check out Make Your Next Home a Resort, the 2005 Guide to Condo-Hotels, Fractional Shares and Resort Residences. You can download the Guide as a pdf file at http://www.InvestingIN.com/realestate/resorts/resort4u.htm
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