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Timbers Resorts/Castello di Casole

Dream of living a million-dollar lifestyle at a fraction of the cost? The latest twist in timeshares, so-called "fractional ownership," gives you deeded ownership of a portion of a luxury home at perhaps 10% to 15% of the cost -- and without the headaches of maintenance.

Don't let the savings figures fool you, though. Fractionals (also called residence clubs) are targeted to the wealthy. You'll pay about $60,000 to $800,000 to use the house or condo, typically for four to 16 weeks per year. Annual maintenance fees run between $5,000 and $10,000. Still, it's one of the fastest-growing trends in vacation homes. Take our tour of ten fractional-ownership properties:

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