As independent insurance brokers, we are often asked by clients and prospects “how much liability insurance should I (We) carry” to protect my assets or protect the assets of my business. There is no simple formula that an insurance professional can turn to in order to determine an accurate answer. Let’s look at some examples of how to approach the clients’ needs.

The key in assessing the limit of liability needed is examining the exposure and finding out what assets are at risk. A consumer in his or her early 20’s may not have the accumulated assets that a consumer in his or her 50’s or 60’s has. Someone that has more assets at risk or wants to protect an attachment of their future earnings should certainly consider a higher limit of umbrella liability. Transferring the risk to an insurance company is far less expensive than self insuring and paying your own legal fees (defense costs).

As the facts are gathered, we consider how many residences are owned or rented by the client. Are they private homes, co-operatives, condominiums, or rentals? Where are the residences located? What is the size of each residence? Is there a swimming pool or trampoline on premises? Are there any pets living with the family? Are any of the properties used for rental income (business purposes)? Don’t forget to include the value (if properties are owned) in the client’s asset total. In some states, a consumer’s home(s) can be awarded as part of a court judgment.

Vehicles owned or leased sometimes create the largest exposure for a consumer. Those families that have newly licensed drivers should, without question, have higher limits of liability in place. Bodily injury and property damage claims caused by vehicular use prompt insurance companies to increase reserves (possible future claim payments). This, in turn, may cause increases in premiums we, the consumer, pay. A young child walking out from between two parked vehicles is severely injured and now an insurance company has to decide how many of their dollars may be at risk. Bodily injury caused by a collision of two or more cars is another type of accident which could lead to a lawsuit involving multiple parties, including the insurance carriers.

Watercrafts owned or leased create yet another exposure for the consumer, especially if the boat is twenty six feet or longer. As we can all appreciate, what occurs on the water can be far more serious than what happens on land.

Do we know how our children will react in certain circumstances? A fraternity party at a college could get out of hand, and inebriated college students may get into a fight. Liability protection is provided under the parents’ personal liability
policy and depending upon actions brought by injured parties, the umbrella policy limits may come into play.

Providing protection for a business is a little more complex, but the process is similar. Analyzing the exposures can differ from business to business, but the bottom line is to arrive at a limit of protection which will protect the assets of the business.

Is the premises owned or rented, and how many square feet are being occupied? What is the operation of the business? Does it manufacture, wholesale, sell to the public, own real estate, provide services to the public, or is it a not for profit operation?

Most businesses have employees or independent contractors working for them. Aside from workers compensation and state mandated disability benefits, businesses today are subject to wrongful termination and sexual harassment suits. Employment practices liability has become very important to provide protection against these suits from employees. Defense costs from an action of this sort could cost an employer $10,000.

Products manufactured, sold to retailers or the public should be insured in the event bodily injury or property damage is caused to a consumer. Personal injury (libel and slander) is an exposure for all businesses which should be protected. Damage to others property (building or contents) which emanates from another party’s premises should be insured (i.e. electrical fire). If a guest slips and falls on the premises of a business, protection should be in place for this exposure.

Vehicles that are owned or leased by the business create another exposure that the business has to protect. A serious bodily injury or property damage claim could wipe out all the assets of the business.

So how much protection should a consumer or a business buy? No one wants to become “insurance poor”, but it is extremely important to carry enough liability insurance to insulate the policyholder’s assets. Having peace of mind knowing that you have protected your personal and/or business assets with adequate limits of insurance is certainly as important as having a will. You have taken some control of your own destiny. Take an overall look at your entire insurance program so that some premium dollars can be reallocated to the purchase of proper liability protection. Believe me, it is far less expensive to pay a premium each year than it is to defend and possibly pay the judgment awarded by the court. Call your advisor today and ask for a comprehensive review. A one-hour meeting today may save you or your company thousands or millions of dollars tomorrow.

Selling or renting a timeshare or vacation property can be a very confusing process. With so many companies offering unrealistic hope and virtually no accountability, it’s no wonder there is such a bad taste in the mouth of so many timeshare owners.  At Timeshare Sales Today, we strive to provide the very best in Customer Service, as well as, providing our clients with the maximum exposure for their timeshare property on the resale market. Timeshare Sales Today, along with a limited number of other companies, provides our clients with statistics such as our latest website search activity, actual offers received from buyers and renters visiting our website, as well as, our actual timeshare sales and rentals. This transparency allows you the peace of mind knowing that Timeshare Sales Today is committed to the advertising and marketing of your timeshare. Our proven advertising program maximizes the potential profit that timeshare owners receive after the sale of their property. With no commissions or appraisal fees, you pay a one time advertising fee which covers all your advertising and marketing costs until your vacation property is sold or rented. We are so confident in our ability that we offer a money back guarantee if you or any other timeshare resale company sells your timeshare before we do. The only limitation to this guarantee is that it does not include upgrades through a resort or developer. Our clients also have the peace of mind of knowing who they are giving their personal information. Timeshare Sales Today, as well as, all our sales representatives are licensed and bonded with the state of Florida. All of our representatives have undergone extensive background checks by the State of Florida. If you are dealing with another timeshare resale company and they can not give you the company license number and the license number of the representative you are speaking to, you are probably about to be ripped off. Most likely there is a good reason why they are not licensed. They are probably a convicted felon and unable to qualify for a license. In the state of Florida, it is illegal for a person to contact you by telephone and finalize a sale over the phone without being licensed. In short, never give your personal information or credit card number over the telephone unless the person requesting this information is licensed.

Vacation Register International, Inc is now doing business as Timeshare Sales Today. We have made this change to better serve our clients with all their timeshare needs. There are several other companies that have, over the years, tried to model themselves after our company. They have registered similar names to ours and have created some confusion  among the general public. Also, Vacation Resorts International, a very reputable  company in the timeshare and hotel resort management business, whose very similar name, company logo, and use of “VRI” as the company nickname, was creating great confusion among our existing and prospective clients. Vacation Register International, Inc and/or Timeshare Sales Today has never been in the resort management business. Timeshare Sales Today is now, and always has been, a timeshare resale and rental advertising and marketing company. Timeshare Sales Today will offer the same great customer service that our clients have become accustomed to and hopefully eliminate any further confusion about our corporate identity. We will no longer refer to our company as VRI. Company ownership and management have not changed. Vacation Register International, Inc. has registered with the State of Florida to do business as Timeshare Sales Today. Timeshare Sales Today, and all of its logos and trademarks, is owned by Vacation Register International, Inc. Timeshare Sales Today and Vacation Register International, Inc. are not affiliated with any other company or entity. Again this change in no way affects our existing clients and we will continue to aggressively market and advertise all timeshares in our inventory. We at Timeshare Sales Today feel confident that all of our clients will agree that we are leading the way, with our easy to use website, innovative timeshare search functions, and various website enhancements, in timeshare resales and rentals. If you have any further questions regarding this change, please contact us toll free at

Thank you for inquiring about our Timeshare Giveback Program. You may be able to cancel your timeshare contract even if it’s outside the stated rescission period.

Feel like you’ve been tricked and/or misled into purchasing or upgrading your timeshare?
Chances are you’re right. You may be among thousands of timeshare owners who have been persuaded to buy through blatant unfair and deceptive sales practices!Did you buy your Timeshare because you thought it would be a more economical way to vacation?

You might be surprised to find out how much you are spending on a yearly basis just for your timeshare. Most timeshare owners find that they are being forced to spend a lot more than they would have on a normal vacation. Not only are you forced to spend more, but you are also restricted to the availability within your club or exchange company. Rarely ever getting to stay where and when you want.

Too often the decision to purchase a timeshare is made based on false promises and misrepresentations from unscrupulous sales representatives. If you have been a victim of Timeshare fraud and misrepresentation, Timeshare Sales Today will assist you with the cancellation of your Timeshare contract and, in some cases, facilitate a full refund of the money you have paid out.

TIMESHARE CALCULATOR – How much is your timeshare costing you?

This is not a resale, rental or title transfer program.

Timeshare Sales Today is not a law firm and we are not attorneys. TST has not, does not, and will not represent itself as a law firm. This is an attorney-based program offering legitimate, fully guaranteed help. You will be in direct contact with the attorney assigned to your case. Don’t spend another minute battling your Timeshare Company alone. Timeshare Sales Today has the time, resources, and knowledge to assist you with the cancellation of your Timeshare contract.

You will be contacted by, and your case will be handled by, an independent attorney, who will compile a case file and produce the necessary documentation to permanently effect the termination of your agreement to purchase a timeshare or vacation club. The attorney will utilize documents and information supplied by you the client, including, but not limited to, your purchase agreement and/or contract, sworn testimony, and authorization letter to effect the termination of your timeshare contract. The attorney will be responsible for producing and transmitting the cancellation documentation to the merchant in question on behalf of you, the client. After verifying the receipt of the documentation by said merchant, the attorney will continue to act on behalf of you, the client, through to resolution, by following up, negotiating, and utilizing any and all means at their disposal, including, but not limited to, corroborating testimonies from past clients, proprietary data of patterns and trends, and government agencies.

WARRANTY
TST guarantees the termination of your contract. Should TST not secure the termination, rescission, release, or cancellation of your contract, TST will refund 100% of your money. All timeshare contract cancellations occurring after date entering this contract constitutes a release secured by TST.

REFUND POLICY
Should TST fail to deliver the promised services as set forth in the service agreement, you will be entitled to a 100% refund. Should you enter into a contract for services and request a cancellation of services while any portion of our services are in the process of being completed, you will be granted a refund of a percentage of the total purchase price equal to the percentage of work not yet completed at the discretion of TST.

What is Fraud?
Fraud is defined as a deception deliberately practiced to secure unfair or unlawful gain. It has also been defined as the intentional misrepresentation of truth for the purpose of obtaining something of value by inducing another to rely upon false information. A material misrepresentation is an important untruth. Fraud requires an outright lie, or a substantial failure to state a material fact about an important part of the contract. Regardless of definition, the key elements of fraud are these: intent, the misrepresentation or untruth, reliance on misrepresentation or untruth, and something of value obtained as a result. Your timeshare contract can be canceled by a court because of fraud if the resort or it’s salespeople knowingly made a material misrepresentation that you reasonably relied upon to make your decision to purchase or upgrade your timeshare. The contract you made with the timeshare resort may be set aside on the grounds of fraud.

What is Misrepresentation?
Misrepresentation is a contract law concept. It means a false statement of fact made by one party to another party, which has the effect of inducing that party into the contract. An untrue statement, whether unintentional or deliberate, is a form of misrepresentation. It may be a form of nondisclosure where there is a duty to disclose, or the planned creation of a false appearance. Where there has been a misrepresentation of material fact, you may sue your timeshare resort for damages and/or rescind the contract. You can rescind your timeshare contract for misrepresentation if the misrepresentation was material, or critical, to the agreement.

Consumer Protections and Consumer Fraud Acts
Laws prohibiting unfair and deceptive trade practices in consumer transactions have been enacted in every state. They apply to almost all consumer transactions and are extremely flexible and very potent. Consumer protection laws are designed to ensure fair competition and the free flow of truthful information in the marketplace. The laws are designed to prevent businesses that engage in fraud or specified unfair practices from gaining an advantage over competitors and may provide additional protection for the weak and those unable to take care of themselves. Consumer Protection laws are a form of government regulation which protects the interests of consumers. Consumer protection can also be asserted via non-government organizations and individuals as consumer advocates.

How will this program effect my credit score?
Each case is unique, and therefore different. The attorney working on your case will assist you with providing the proper documentation to prevent and/or dispute any negative impact on your credit.

How long does this process take?
Each case will require a different amount of time to complete. Some cases require as little as 90 days, while others can take up to a year or more. There are many legal formalities that must be followed. Based on the information received from you, the attorney assigned to your case will be able to provide you with a more accurate estimate of how long your case may take.

Yes, you can!!! At Timeshare Sales Today, we are proud to offer our . It’s a simple and effective way to immediately free yourself from the financial burden of owning a timeshare you simply do not use. Here’s how it works.

After signing up for our Timeshare Giveaway Program you are well on your way. Within 48 hours or sooner, you will receive a call from the person or company that will be taking over your timeshare. We will have already confirmed with the buyer that they intend to take over your timeshare based on the resort information you have provided. If the information you provided to us is accurate and correct, the sale of your timeshare is 100% guaranteed. In other words, your advertising fee will be refunded in full if your timeshare is not actually sold. The fee will not be refunded if you provided us with the incorrect resort information or if you later choose not to sell your timeshare. After your payment for the has been processed, we will put you in direct contact with the buyer. You, as the seller, will pay all closing and transfer fees. The closing process normally takes about 6-8 weeks. After the transfer of ownership is complete, you will no longer be responsible for any dues or fees associated with the timeshare. It’s that simple.

Mexico Timeshare resales and rentals are a great and affordable way to take advantage of the many activities that Mexico area has to offer. Please take a moment to browse our current listings for Mexico Timeshare Resales & Rentals. Mexico timeshares offer vacationers plenty of recreational and cultural opportunities from the comfort of many of the world’s finest resorts. Check out our great Mexico resale and rental values and see for yourself why it makes sense to buy or rent from Timeshare Sales Today.

Mexico has one of the largest tourism industries in the world and was even ranked the seventh most popular tourist destination worldwide in 2005. The ancient Meso-American ruins, popular beach resorts, coastal climate and unique culture are the most notable tourist draws. Mexico has excellent tourism facilities which provide information on all activities of the country. Among the many activities you can enjoy scuba diving swimming with dolphins in fabulous aquatic parks, or explore cosmopolitan cities with strong native traditions and exquisite regional bars, cafes, museums, theaters, stadiums, amusement parks and a wide array of stores and shopping centres.

Mexico is very unique in that the country ranges from arid deserts to tropical jungles and everything in between. The history of the country is very rich and extensive and the people are equally diverse. Within Mexico many different languages and dialects are spoken, with Spanish being the most commonly used. Mexico has many beautiful mountain ranges, such as the Sierra Madre Oriental and Sierra Madre Occidental, which are the extension of the Rocky Mountains. It also ranks first in biodiversity in reptiles and second in mammals. If you are interested in exploring the natural habitats and many different species of Mexico you will find 34 reserve biospheres, 64 national parks, 4 natural monuments, 26 areas of protected flora and fauna, 4 areas for natural resource protection and 17 sanctuaries. Clearly it is a remarkable place to visit providing the traveler with much to explore.

If you are interested in exploring the cultural celebrations of the country, you will find that Mexico has a very rich tradition of holiday and festivals throughout the year. November 2nd marks The Day of the Dead, which is a yearly tradition of adorning tombs and altars with candles and marigold flowers as offerings to the deceased. Families believe that at night the dead return to the world of the living to spend time with their families. Easter week is also of extreme importance and it is commemorated with Mass and processions remembering the crucifixion and resurrection of Jesus. Mexico’s most important celebration is Independence Day celebrated on Sept. 15. On this day the festivities include dancing, mariachi music and spectacular firework shows. It is a great day of remembering the spirit of the people of Mexico, their resilience, strength, and culture.

If you are interested in visiting beautiful beaches, then Mexico has much to offer. One of the most popular beach destinations is the town of Cancún, whose beaches are repeatedly voted as among the most beautiful. Nearby is the town of Tulum which is notable for its Mayan ruins. The shores of Acapulco are home to many multi-story hotels and vendors, and beautiful beaches. All in all, Mexico has much to offer whatever your vacationing needs and interests may be.

Aruba Timeshare resales and rentals are a great and affordable way to take advantage of the many activities the island of Aruba has to offer. Please take a moment to browse our current listings for Aruba Timeshare Resales & Rentals. Aruba timeshares offer vacationers the natural beauty of the beautiful beaches, some of the world’s best scuba diving and fishing, and plenty of recreational opportunities from the comfort of many of the world’s finest resorts. Check out our great Aruba resale and rental values and see for yourself why it makes sense to buy or rent from Timeshare Sales Today.

The island of Aruba has a population of about 120,000 inhabitants of a generally mixed ancestry made up primarily of Caquetio Indian, African and European roots. The mother-tongue of Aruba is Papiamento, a mixture of Spanish, Portuguese, African, and Dutch. On average the temperature is 82ºF, and since Aruba is outside the hurricane belt, tropical storms and hurricanes are rare. The landscape includes volcanic lava formation, the spectacular Parke Nacional Arikok which spans over 7900 acres, and the memorable white, sandy beaches and sand dunes. The beautiful weather, amazing setting, and friendly locals make Aruba a veritable paradise.

The beaches of Aruba rank among the cleanest and most attractive of the Caribbean. All of the beaches are public and have easy access. There are many popular beaches on the island, like Arashi Beach, known for its calm surf. The sand is white and soft with the occasional stone. Snorkeling is very popular here because of the coral and beautiful fish. Palm Beach is home to most high-rise hotels, and is perfect for swimming, tanning, sailing, fishing, snorkeling, and people watching. The resorts clean the sand daily to ensure the beauty of the beach. While you will find the resorts make this beach busier, the gardens, thriving animal life, and easy access to cold tropical drinks, make this a superb beach. If you prefer a little more exercise then try windsurfing at Hadicurari, or Fishermen’s Huts. In June, the Hi-Winds World Challenge, a pro-am windsurfing competition is held here. You will find include picnic tables and shade huts for you convenience. Boca Catalina offers horseback-riding tours, catamarans, sailboats, snorkeling, and gentle, shallow water perfect for relaxing. Whether you are looking to relax or splash around, Aruba has many gorgeous beaches for you to choose from.

In addition to Aruba’s beaches, consider exploring the Archaeological Museum of Aruba where you will find a wonderful permanent collection. Aruba’s first inhabitants date to approximately 4500 years back and many ceramic artifacts, shell tools, and ornaments are on display. There are also many local art galleries with contemporary art for you to visit.

Aruba boasts of the modern Queen Beatrix International Airport which is served by a number of airlines, and connections can be made to any part of the world.

Timeshare Sales Today is pleased to present vacation information for Colorado “the outdoors vacation capital of the world”. From the best ski resorts for skiing and snow boarding in the winter, to the excitement of white water rafting, and the natural beauty of hiking in the summer, Colorado offers some of the best recreational opportunities in the country.

Click on the links below for the latest information and upcoming events in Colorado. Don’t miss out on all the fun happening right now in Colorado!!!

Branson Timeshare resales and rentals are a great and affordable way to take advantage of the many activities the Branson area has to offer. The beautiful resort town of Branson Missouri is situated upon the Ozark Lakes forty miles south of Springfield. Millions of visitors come to Branson each year to enjoy the town’s many attractions which include theaters, theme parks and plenty of family fun. Whether you visit Silver Dollar City, Branson Scenic Railway or Rilpley’s Believe It or Not, you are sure to have a good time. Many people escape to the nearby Table Rock Lake to enjoy hiking, fishing, water-skiing, biking and camping. Whether bass fishing on Table Rock Lake or enjoying one of the many live shows available, Branson is filled with activities to please even the most discriminating traveler. Enjoy great savings on your next trip to Branson using Timeshare Sales Today’s search functions to find the perfect Branson timeshare resale or rental.

Although Branson is relatively a small town, with a population of 6,050 people, as of the 2000 census, there’s a side of Branson that evokes Las Vegas. Entertainment is nonstop on The Strip with live music and comedy shows, numerous restaurants, theme parks, shopping outlets, but no casinos here. Branson offer great, wholesome, family fun. Some people call Branson the “Live Music Capital of the World” where over 100 music shows run daily in over 53 theaters. In addition to the shows, Branson also offers amazing outdoor recreational activity. With over 200 miles of trails for hiking, horseback riding and biking, three scenic lakes for fishing and water sports, and even many lake cruises. If you prefer thrilling rides then visit Silver Dollar City, where the entire family will be entertained. Whether you decide to visit the natural attractions, live entertainment, lakes, or twelve championship golf courses Branson will definitively be a vacation to remember.

Branson also has many museums to enjoy, such as the American Presidents Museum, one of six museums in the nation which features exhibits, artifacts, and other unique memorabilia. Branson Dinosaur Museum where the dinosaurs aren’t fossils or bones they are life-size replicas. The Titanic Museum is a permanent two story museum shaped like the Titanic, but built half-scale to the original, it holds 400 artifacts in twenty galleries from the wreck. Explore Hollywood Wax Museum, Roy Rogers-Dale Evans Museum, Veterans Memorial Museum, Dick Clark’s AB Theater car museum, Branson Entertainment Hall of Fame & Museum, or the Harold Bell Wright Museum, the list is endless!

Click on the links below for the latest information and upcoming events in Branson. Don’t miss out on all the fun happening right now in Branson!!!

Hawaii Timeshare resales and rentals are a great and affordable way to take advantage of the many activities the state of Hawaii has to offer. Please take a moment to browse our current listings of Hawaii timeshare resales & rentals. Hawaii timeshares offer vacationers the natural beauty of the Hawaiian Islands, from the lush, green mountains to the crystal-clear blue waters. Hawaii boasts premier beach parks and numerous beaches that are protected by offshore coral reefs which provide amazing and safe swimming conditions year round. The wonderful climate of Hawaiʻi is typical for a tropical area, but the humidity tends to be less extreme than other tropical locales due to the constant trade winds. Summer highs are usually in the upper 80s °F, during the day and mid 70s, at night. Winter temperatures during the day are usually in the low to mid 80s, and seldom dipping below the mid 60s at night.

With numerous other points of interest it is a scenic paradise for the senses, and offers great exploration of the rich cultural history of the state. Visit the memorable waterfalls, rainforests, and botanical gardens, or visit more than 80 golf courses, snorkel, scuba, or fish. You will find a balance of natural and cultural wonders with the modern arts, entertainment, and amenities of the 21st century. When it comes to public transit, Honolulu’s system, known as TheBus, was ranked number one in the country several times by the American Public Transportation Association. Most inter-island travel takes place using commercial airlines. A ferry linked to TheBus, known as TheBoat runs from Barber’s Point to Aloha Tower Marketplace daily.

With hundreds of islands spread over 1,500 miles, the eight “main islands” are Niʻihau, Kauaʻi, Oʻahu, Molokaʻi, Lānaʻi, Kahoʻolawe, Maui, and Hawaiʻi, Sitting in the middle of the Pacific Ocean Hawaii affords visitors glimpses of rain forests, volcanoes, historic pineapple plantations and sugar cane fields. From the best surfing in the world to the exquisite native cuisine, Hawaii is a tropical paradise with very strong ties to the mainland. Unwind on an amazing Island retreat amidst tropical flowers, palm trees, and fabulous beaches.

Hawaii timeshare rentals are the perfect solution for those that enjoy Hawaii and are considering purchasing a timeshare vacation. A week in your Hawaii timeshare is all that most vacationers will need to fall in love with this lush tropical paradise, and Timeshare Sales Today is proud to present some of the best values in Hawaii vacation resales and rentals.

Please use the search functions above to narrow down your choices for your perfect Hawaii vacation. Remember the prices listed are asking prices, the final sales price will be determined from direct negotiations between you and the seller. If you would like to sell or rent your Hawaii vacation property, please use our convenient Sellers Form. Alternatively you may always call 888-226-1055 toll free to speak to a Timeshare Sales Today representative.

Click on the links below for the latest information and upcoming events in Hawaii. Don’t miss out on all the fun happening right now in Hawaii!!!