Dear Dave: My wife and I recently sat through a timeshare pitch at my mom and dad’s community as a favor to them. We’re trying to get out of debt and take control of our money, so when the salesman said we could put the whole thing on a credit card, I told him about you and your plan. He then said that he used to be your personal financial adviser and had sold you three timeshares in the past. Is this true, or are timeshares a bad idea? — Jeremy
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