I only trust in five types of  investments:

1. Bank CD for Savings, Low to Moderate Risk. * Most flexible for withdrawal & short term.

2. Cash to Precious Metals  conversion, Low Risk. * Easiest & simplest, unlimited term. Simple sale, if necessary.

3. "Crypto Currency" for the High Risk, QuickGrowth.  * Crypto is the riskiest probably at the moment, & no longer as affordable as it used to be, especially with big currencies like BTC & ETH. But I still consider it a good investment, if you still can afford it now. 

4. Crypto to Precious Metals  conversion, Low Risk. * Silver as a commodity, for example, is very affordable investment with slow, but stable growth. In 1998, Silver price was $5.87 per oz, while price as of January 2023 was $24.17. It grew about $1.00 (+) per oz. a year.

5. Real Estate, as a Moderate Risk, but permanent investment. * Most stable, most physically accessible & usable, but requires constant backup funding flow for maintenance. 

Real Estate & everything that has to do with it is simply my greatest passion. There are 5 types of Real Estate ownership, that are  mostly established Worldwide: 

Freehold ~ is a type of estate where the person has a right or owns title to real property for an unspecified amount of time. Usually it is a fully paid off Mortgages, cash purchased  or Real Estate properties passed via inheritance. It is also the only form of ownership that includes land. No other form of ownership, except some forms of timeshares, are allowed to re-sell the land. 

"A Leasehold" estate ~ is an ownership of a temporary right to hold land or property in which a lessee or a tenant holds rights of real property by some form of title from a lessor or landlord." Trailer or Mobile Home Parks, for example are leasehold properties. 

Condominium title ownership ~ is an individually owned unit in a complex or building of units. A condo owner owns the air space inside their condo, sharing an ownership interest in the community property, such as the floor, walls, sidewalks, stairwells, and exterior areas, but does not owe the land. 

Strata title ownership ~  is a form of ownership and housing tenure devised for multi-level apartment blocks and horizontal subdivisions with shared areas. The word "strata" refers to apartments being on different levels.

Timeshare ~ is a divided form of ownership or use rights. Units may be sold as a partial ownership, lease, or "right to use", in which case the latter holds no claim to ownership of the property. The ownership of timeshare programs is varied, and has been changing over the decades.

Timeshare ownership has often been misunderstood, in the U.S., where Freehold, Leasehold, and Condo are the common choices. While many view timeshares as a scam or an impractical investment, my perspective shifted after becoming a homeowner. Initially, I questioned the value of sharing a property with someone I barely knew and wondered why I would need a summer house when my only allowed for winter getaways. However, as life, like facing the reality of being a widow at 43, the appeal of share transforms; it offers a maintenance-free, luxurious environment that provides stability and comfort during uncertain times. 

I prefer to live part time here and part time there. So, I decided to calculate what it would take to owe amazing property unaffordable alone, but doable with 2 other families you trust. This is how I created this "16 Weeks a Year Timeshare" Idea. Timeshares offer a unique opportunity for a "maintenance-free life," allowing you to enjoy a property for about half of the year. When investing a Timeshare, you typically share ownership of a community property, such as townhomes, or small first floor business, alongside buyers. Each owner contributes through annual fees, which cover management, maintenance, and community services, making it easier to enjoy time without the hassles of upkeep.

Discover the unique lifestyle of timeshares, where you can enjoy your own space for 4 to 6.5 months a year while sharing it with a vibrant community. This innovative living arrangement allows you to experience new places and cultures, perfect for those who crave change and adventure.

While it may not be for everyone, for those who love to travel and seek fresh experiences, a timeshare can be the ideal choice. Embrace the freedom of flexible living and make the most of your time!

Without pre-arranged need, simply negotiated between close owners, pick 16 to 26 weeks out of the year. Based on your needs, not investors.

Opting to buy your Timeshare in cash can be more beneficial, as it avoids the complexities and costs associated with mortgages, which can influence your HOA fees. One of the greatest benefits of investing in real estate is the comfort it provides, with the flexibility to relocate at least one-third of the year. Owning a fully furnished and maintained property allows you to visit periodically without accruing extra costs.

For those who enjoy investing without the constraints of strict regulations, running a single-family home or condo as an Airbnb® can be a rewarding option. However, if you're considering long-term investments, remember that owning rental properties comes with significant responsibilities for your tenants.

Timeshare, vacation ownership, represents a long-term commitment to enjoying annual vacations at a specific resort or of resorts.

This arrangement usually involves an upfront payment or financing, along with annual maintenance fees. If you're looking to experience a different location, upgrade or exchange fees may apply. Essentially, a timeshare can be seen as shared ownership of a luxury property and community, often divided among multiple owners. Current popular investment spots in North America is Canada. Known for its stable economy, high quality of life, and multicultural population. Toronto and Vancouver are popular investment destinations. 

Other notable locations:​

Middle East:​

United Arab Emirates (UAE), particularly Dubai. A global hub for real estate investment, known for its strong economy, strategic location, and innovative infrastructure. Foreign investors benefit from zero income tax and high rental yields. 

Malaysia. An attractive option for investors seeking a Southeast Asian foothold. Offers a relatively low cost of living, high rental yields, and the Malaysia My Second Home (MM2H) program, which provides residency incentives. 

Colombia. Increasingly attractive for investors seeking affordable entry points. Offers a path to residency and potential citizenship through property investment.

New Zealand. A stable and peaceful country with a strong economy, attracting investors interested in sustainable and eco-friendly properties. 

Creating a successful small and private timeshare requires a strong sense of community and shared values among owners. It's essential that design, style, and management approaches align, fostering a respectful environment for everyone. Unlike larger resorts like Disney or Marriott, this intimate setting thrives on collaboration and mutual respect, with at least 2 to 3 owners committed to the vision. Embrace the opportunity to create lasting memories in a space that feels home.

Types of timeshares are:  fixed-week Timeshare  (Disney Vacation Club, for example), floating-week Timeshare (is not restricted to visiting the same location during the same period each year) and point system Timeshare (like Marriott Vacation Club, for example). I want to make a different approach, more personal, rather then corporate.

Without pre-arranged need, simply negotiated between close owners, pick 16 to 26 weeks out of the year. Based on your needs, not investors.

Spa, Cannabis Shop, European Groceries & Pool … Imagine having the opportunity to own a stake in both: a luxury resort lifestyle and the community of businesses. This innovative timeshare concept allows you to enjoy 16 to 26 weeks a year in a beautiful setting while maintaining your permanent home with family.

With just three families sharing the investment, you gain a unique sense of ownership and exclusivity traditional timeshares simply can't offer.

It's an appealing option for any independent adult looking to invest in real estate and enjoy a fulfilling lifestyle.

Investing in a smaller cottage for a family can be a cost-effective solution, especially when considering a shared timeshare model.

For instance, a 3-bedroom, 2-bath cottage by the river priced at $600K could be divided among 3 families, making their individual investment only $160K. This arrangement allows each family to enjoy their own getaway for at least 16 weeks a year without the headaches of managing an Airbnb or the high costs of hotels.

By exploring this innovative real estate investment model, families can create lasting memories together while also benefiting from shared ownership.

Discover the perfect timeshare opportunity for who thrive on change and adventure. Whether you're a single traveler seeking new experiences, a creative adult on a self-discovery journey, or a retired individual yearning for diverse climates, our 2 to 3 ownership timeshares cater to your lifestyle.

Embrace the freedom of travel without the burden a permanent home, ideal for those who only need a getaway for a few each year. Small families looking for a vacation property will also find joy in sharing their dream retreat with others.

Experience the freedom of seasonal living with our unique offer! By committing to 16 to 26 weeks a year, you can move every 4 to 8 months to a new 2nd residence while keeping your beloved clothes and laptops close.

Choose your furniture and appliances from the start, allowing to personalize each space. Enjoy the benefits of a second permanent home, visiting your new vacation spot for two weeks in Spring, Summer, Winter, or Autumn, all while building a connection with the community around you.

Creating a property with just 2 to 3 families can lead to a deeper, meaningful connection. It’s essential that everyone involved shares the same financial and emotional vision, and having a well-established primary home is the key.

While finding partners and funding may seem straightforward, the reality of co-managing a vacation property can be more complex than dealing with larger groups of investors.

However, the intimate experience of owning a shared home can be incredibly rewarding, reminiscent of the cozy charm of Bed & Breakfasts, allowing like-minded individuals to enjoy nature together for half the year or more.

When young people travel abroad for education and leisure, safety becomes a crucial factor in any international long-term relocation.

Unfortunately stories of kidnappings and disappearances, even in the safest countries, are all too common.

Owning property or a timeshare in a area can change your experience; it requires navigating local laws and cultures, which can enhance the safety of your loved ones while they stay in their dream location, potential investors must be aware of the significant drawbacks of international real estate and shared investments, including a lack of understanding of local markets, cultural nuances, and legal complexities that can pose challenges for newcomers.

Investing in international real estate and timeshares requires careful consideration of family roots, cultural connections, and area safety. It's essential to choose a location that not only aligns with your health and luck, but also welcomes you as part of the community.

Prioritize visiting your potential investment area to experience the environment and local attitudes firsthand before making a purchase.

Remember understanding that different generations perceive your culture and any special needs you may have as variable, it can significantly impact your experience in a new place.

When considering an investment in timeshares, prioritize countries with compassionate and highly-rated healthcare systems. After selecting the country that suits your needs, you can explore various locations within it to find the perfect place to call home.

Whether you prefer a vibrant city or a tranquil village, take your time to choose a setting that resonates with your lifestyle and future plans. Your well-being and comfort should always come first in this important decision.

Consider what type of environment you want to be in: a small city, a quaint village, or bustling big town? Reflect on your daily preferences—do you enjoy mountains, oceansides, lakes, rivers, forests, or deserts? It's important to choose an area where you can see yourself living for at least six months, and ideally, where your preferred language is spoken.

Take the time to envision your long-term lifestyle and what activities you want to pursue in your new home.

Are you considering a timeshare for half a year, whether internationally or locally?

It's essential to prioritize your needs and choose a location that promotes your health and emotional well-being. This temporary home should be a sanctuary for healing, recharging, and starting anew.

Treat it like a resort, and ensure it’s a place you’d be proud to pass down to your children, instilling in them the value of real estate and savings.