<prompt> Human: For context: - 24 y.o. male- never owned a timeshare in my life- gainfully employed 70Kyr- got offer thru lottery system only 16k people get it a year by having an IHG membership and staying at an embassy suites holiday inn a year ago, I received a phone call about a 200 stay at a number of IHG hotels went to myrtle beach for 4 nights. Overall, nice stay and I received the 200 back after the presentation along with another 100 dollar rebate to use later.- presentation seemed legitimate enough and I think Im decent enough at seeing thru salespeoples BSThe offer:Vacation Club Timeshare ownership WHICH MEANS you can spend your points on any one of their resorts in the world to stay there or on any RCI resort in the world which costs usually from 50K-100K half for RCI? points for a week with a single bedroom.Gold membership, late cancelationearly request, discount on down payment.3000 down payment and 118month for 10 years 14.5 and the grand total is 11,000 that I can pay the rest off within a year for no penalty.The other fees attached maintenance membership and taxes total to around 650yrThis is biennial so I get 100,000 ptsevery other year and 50K bonus pts. in 6 months.Am I stupid for buying this?EDIT: Thank you for the input everyone, I just got off the phone with them and Im going back tomorrow morning to cancel it I bought it yesterday. The idea of paying maintenance and taxes along with membership fees is overboard for me. Hopefully I can get out of this without paying a penny.EDIT 2: I just finished canceling this morning. The quality assurance was surprisingly easy and straightforward about it while also acting like I was a 1 in a 100 case since I wanted to cancel right after purchasing. She acted very surprised and said she wished I would take advantage of the offer since Im young and apparently? have more to gain out of this somehow. Overall, I realized how easy it is to get suckered into this scheme and have learned from it. They are reversing the charges on my account and Im holding onto my cancelation documents in case they try anything funny in the coming weeks.  <response>: You May be able to return it within 2472 hours depending on your state. Theyll try like hell to talk you out of it but google it and insist on it. My husband and I got suckered into one and returned it the next day. They were SUPER RUDE about it but we got our money back. 