A one-bedroom villa for one peak-season week at Marriott's Grand Vista resort in Orlando:

FOR THE TIME-SHARE

20% DOWNPAYMENT ON $17,500 PURCHASE PRICE $3,500 FINANCING 80% OF PURCHASE AT 8%* 20,383 CLOSING COSTS 400 ANNUAL MAINTENANCE FOR 10 YEARS** 7,684 TOTAL 31.967 AVERAGE COST PER YEAR 3,197

FOR THE RENTAL

ONE WEEK'S RENT $1,900 TOTAL FOR 10 YEARS*** 30,281 AVERAGE COST PER YEAR 3,028

* Using a 10-year home-equity loan on your primary residence ** First-year maintenance of $640, plus 4% annual hikes *** Assumes 10% annual increases

Data: Marriott International, BusinessWeek

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