Ed,
This sounds like timeshares to me; an area that a lot of people have lost a lot of money in. Here some links to see the other side of the coin.

http://www.ftc.gov/bcp/edu/pubs/cons...mes/rea15.shtm

Some very good advise here, one of the golden rules.

Get a handle on all the obligations and benefits of the timeshare or vacation plan purchase, leaseback different name, same idea. Is everything the salesperson promises written into the contract? If not, walk away from the sale.
Mark