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MILLIONS OF AMERICANS OWN TIMESHARES, WHICH ALLOW INDIVIDUALS AND FAMILIES TO SPLIT OWNERSHIP OF VACATION HOMES. IS IT AS SWEET A DEAL AS IT SOUNDS? THE ANSWER APPEARS TO BE NO. A FEDERAL TRADE COMMISSION HAS WARNED CONSUMERS ABOUT MAJOR ISSUES WITH THE PRACTICE. NEARLY 10 MILLION U.S. HOUSEHOLDS OWN TIMESHARES, AND PRICES CAN BE THROUGH THE ROOF. ING TO THE AMERICAN RESORT DEVELOPMENT ASSOCIATION, THE AVERAGE COST THAT A BUYER CAN USE FOR ONE WEEK PER YEAR IS 24,000 140 DOLLARS. BUT THAT IS ONLY THE BUY-IN. MAINTENANCE FEES RUN INTO THE THOUSANDS OF DOLLARS. MEGAN JOINS US NOW, AND IM CURIOUS, LETS START WITH THE BENEFITS. WHAT MAKES TIMESHARES ATTRACTIVE? WELL, IN THEORY, IT MAKES SENSE. IF YOU ARE GIVEN THE OPPORTUNITY TO PAY FOR A SECOND HOME DURING THE WEEKS DURING WHICH YOU USE IT MAKES SENSE, BECAUSE YOURE NOT GOING TO USE IT ALL YEAR ROUND. IF PARTIES, MULTIPLE PARTIES, BUY IN, YOU CAN CONSIDER YOURSELF A SECOND HOMEOWNER. IT