Friday, August 25, 2006


Less Rigid Timeshare Rules Appeal To Boomers' Kids

Baby boomers love timeshares.

People born between 1946 and 1964 make up 50.5 percent of all owners and 51.1 percent of recent buyers, according to a study on timeshare ownership by the American Resort Development Association.

Now children of boomers are taking a liking to vacation ownership, too, because of the experiences of their parents.

"Children of timeshare owners almost always buy," said Neil Cumsky, chief executive officer of Princeton Resort Group, which is developing Cibola Vista Resort and Spa in Peoria.

Traveling with their parents, they enjoyed extra space and privacy without the cost of additional hotel rooms, he said.

But some young buyers have been skeptical of timeshares, said Clark Rowley, director of marketing and sales for the Scottsdale Camelback Resort. They don't like the concept of fixed weeks and worry about wasting their investment if they don't use their time. However, with the advent of flexible timeshare use, more are choosing to buy.

"The X-Generation is coming into play," Rowley said. "They are seeking more flexibility and that's why the market is changing" with timeshares that allow buyers to use points to spend as little as a day at a resort.

People younger than 40 make up 18.5 percent of recent buyers. Overall, they make up just 9.3 percent of all owners, according to the ARDA report.

Many of those buyers are single professional women ages 25 to 35, Cumsky said, who buy with the intent of traveling with their girlfriends.

Margi Maisto, 47, bought her first timeshare while single in her early 30s. After the initial purchase, she liked not having to worry about budgeting for lodging costs.

It also forced her to take time off because she purchased a specific week.

Now married with young children, Maisto bought this year her second timeshare at a property in Orlando. The key attraction was the timeshare's points-based system, which didn't lock her into a specific week. She can make several mini-visits or one long one until all her points are used up.

"There's a lot more flexibility in the new-style program," the Peoria resident said. "It accommodated our current schedules, and we're really busy."

She also loves having a kitchen, which reduces the family's restaurant budget, and a number she can call to arrange her accommodations at a nice resort.

Those 60 and older also buy in fewer numbers than boomers do. They make up 40.2 percent of all owners but only 30.4 percent of recent buyers.

"Boomers are still very much the big buyer," Rowley said, largely because of their disposable income. "Generation X is still building wealth, or are not as into luxuries."

Life experiences also play a role in boomers' decisions to buy timeshares.

"Boomers are buying the product because they are the first traveling generation," said Cumsky, who is in his 50s. "My parents' generation never traveled more than 200 miles. When we (boomers) were in our 20s and 30s, we were traveling all over the place."

That affinity for travel has helped the industry grow to more than $7.8 billion nationally in sales in 2004.

The largest timeshare market is Florida, followed by South Carolina and California. Arizona ranks No. 9 nationally with 47 resorts, according to ARDA data. Industry folks in Arizona say that number is now 52.

A new report on the economic impact of timeshares in Arizona is expected out early next year, Rowley said. The most recent state data from a 2002 ARDA report show an overall economic impact of $980 million in owners' direct and indirect purchases. Nationally, the industry has a $44.4 billion impact, according to ARDA.

New timeshare sales in Arizona in 2002 were worth $200 million. That's thought to have grown significantly as more resorts now operate time shares. Westin Kierland Resort and Spa and the JW Marriott Desert Ridge Resort have added timeshares since then. Cibola Vista opened last year, and other properties have converted casita units into timeshares.

By the numbers

53: Median age of head of household time-share owner.

$200 million: Amount spent on new timeshare units in Arizona in 2002, the most recent year in which figures are available.

6.7: Average number of nights parties spend in an Arizona timeshare.

$1,744: Average amount a timeshare user spends in Arizona.

$15,789: Average cost of a timeshare unit nationwide.

I am sure you have heard the song "Karma Chameleon" by Culture Club but have you ever given much thought to its meaning? While on Earth, you are living in a world of reincarnation which is governed by the law of karma. Karma begins to propel you as Soul on a personal journey through the universe. Karma ends when you have reached enlightenment and fully realise that this physical reality and the Universe itself is just an illusion. When you reach a state of knowingness that there is but One all pervading essence and that essence or consciousness is You!
So what is Karma and how does it work? While in the illusion you have a soul. This soul lives past, present, and future lives. To grow in love, joy, and awareness, you reincarnate into a series of physical bodies to experience different existences. This road leads to the experiences of being both sexes, all races, religions, and ethnic types throughout many lifetimes.
Karma in its simplicist terms can be described by the biblical statement "as you sow, so also shall you reap". Karma is the principle of cause and effect, action and reaction, total cosmic justice and personal responsibility. It brings 'good' experiences as well as 'bad' - a debt must be repaid and a blessing rewarded.

A more indepth esoteric look at karma gives us the following distinctions: Sanchita Karma: the accumulated result of all your actions from all your past lifetimes. This is your total cosmic debt. Every moment of every day either you are adding to it or you are reducing this cosmic debt. Prarabdha Karma: the portion of your "sanchita" karma being worked on in the present life. If you work down your agreed upon debt in this lifetime, then more past debts surface to be worked on. Agami Karma: the portion of actions in the present life that add to your "sanchita" karma. If you fail to work off your debt, then more debts are added to "sanchita" karma and are sent to future lives. Kriyamana Karma: daily, instant karma created in this life that is worked off immediately. These are debts that are created and worked off - ie. you do wrong, you get caught and you spend time in jail.
As a soul, you experience a constant cycle of births and deaths with a series of bodies for the purpose of experiencing this illusionary world gaining spiritual insights into your own true nature until the totality of all experiences show you Who you really are - the I AM! Until you have learned, you will find that pretending that the rules of karma do not exist or trying to escape the consequences of your actions is futile.
Although it may often "feel" like punishment, the purpose of karma is to teach not to punish. Often the way we learn is to endure the same type of suffering that we have inflicted on others and also rexperience circumstances until we learn to change our thinking and attitudes.

We are all here to learn lessons as spiritual beings in human form. These lessons are designed to help us grow into greater levels of love, joy, and awareness. They teach us our true nature of love. Where we do not choose love, show forgiveness, teach tolerance, or display compassion, karma intervenes to put us back on the path of these lessons. Quite simply, the only way to achieve a state of karmic balance is to be love.
Before you incarnated into your present personality, you agreed to put yourself in the path of all that is you need to learn. Once you got here, you agreed to forget this. Karma is impersonal and has the same effect for everyone. It is completely fair in its workings and it is predictable - "do onto others as you would have them do unto you" is a way to ensure peace and tranquillity in your own life as well as the lives of those you come into contact with. The law of karma is predictable - "as you sow, so shall you reap" what is done to you is the net result of what you have done to others!
Karma gives you the opportunity at every moment to become a better person than you are and to open up to the realization that you are the master of your own fate.

The goal of karma is to give you all the experiences that you need to evolve into greater levels of love, joy, awareness, and responsibility. Karma teaches that you are totally responsible for the circumstances of your life. They keep you on the straight and narrow until you have mastered your vehicle and can ride freely on your own. Once you understand that you are the master of your own circumstances and that everything you experience is a direct result of your past actions due to your thinking and emotional responses you can overcome its seeming negative effects by creating only 'good' karma.
Karma forces us to look beyond ourselves (oneness) so that we can see ourselves as we truly are Whole, Complete, at One with everything. Once we truly understand ourselves, we can see our divinity and our unity with all life.
Karma drives us to service. Love means service. Once you accept total responsibility for your life, you see yourself as a soul in service to God. Once you do, you become a fully realized being, allowing God to experience the illusion through you.
Belief in karma and an understanding of its workings will lead you to a life of bliss. Only your own deeds can hinder you. Until the time comes when we release ourselves from our own self-imposed shackles of limitation and fully understand who and what we are we will live under the mantle of karma. So until that day why not create some wonderful experiences for ourselves by "doing onto others, as we would have them do unto us". hypnosis
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