<prompt> Human: Saw the post about MLM scam and just wanted to share my experience this weekend. It actually started a few months ago when my SO and I were drunk at a festival. There were a bunch of booths set up we actually ignored the It Works! one luckily and instead ended up agreeing to pay 120 for a mini vacation 3 days 2 nights and in return for attending a 90 minute timeshare presentation, wed get 100 cash back or 125 in resort bucks.We figure thatd be 20 for two nights hotel stay and could be a fun time, so we ended up going this past weekend.The timeshare presentation was the biggest crock of shit Id ever been to. Ive actually been to one before that sort of made a tiny bit of sense.. It wasnt our cup of tea but it didnt come off as a complete scam either. This one... first off they refused to give any details of the timeshare offer itself until after wed had to go through some extremely questionable math with them about what we currently spend on vacations and how that amount would go up 10 every year from inflation. They insisted that the reason that we had to decide on the spot had to do with some legal reason because of the amazing sign up bonus that they wouldnt be allowed to give any other day for a year. They made us come up with a quote for what we thought wed spend on hotels over the next thirty years and then magically at the end this was the exact cost of the timeshare - it was 45,000 ; but the offer told us to put down 6000 and finance the rest at 19.99 APR for 5 years.Also on top of that there was an annual maintenance fee of 699, and extra fees if you wanted to to trade your weeks or go anywhere else.Oh and of course the property was about to sell out in the next 1-2 months so we should be sure to buy it now. I was pretty blown away by how terribly obvious this was as a scam, and simultaneously angry that other people might be falling for it..Financing a vacation timeshare at almost 20 APR?? It made me curious if anyone has ever managed to use a timeshare in a financially savvy way.Fortunately we made it pretty clear that we were disgusted by the presentation so we made it out in exactly 90 minutes and wereonly out the 20 in return for a nice hotel stay and three free meals. Cant really complain. Actually I think Id totally go to more timeshare presentations depending on what perk they offered in return.  <response>: Good job on seeing through it. I also attended one of these. It was a 200 deal, but the hotel room and meals that I got out of it were great! Right in the middle of Manhattan. The part that was really laughable for me though was the fact that the annual timeshare maintenance fee was essentially how much I spend on hotels each year anyways. Why pay an extra 20k in capital to limit my hotel choices to a certain brand for the rest of my life? Haha, would be a total waste for me. 