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In last financial year there were 4000 membership cancellation – I assume that as they don’t have proper cancellation policy, these are the people who have not paid Annual Subscription Fees (ASF) & there membership was automatically cancelled.Club Mahindra Holidays can advertise “Happy Families” but truth is 44% of members are not availing their holidays. First & biggest reason is there is a gap between number of members & inventory (number of units) available in the resorts.So Purple Members can have holidays in any season but white can only go for White & Blue.Holiday in higher season is also possible but there are limitations like bookings can only be made 15 days in advance & you can jump only one season so White can think of going in red but not in purple.If member don’t pay ASF, his membership will seize.I am passionate about traveling – I bought Club Mahindra Red Studio in Feb 2008.(check below graph – Club Mahindra Yearly Membership Unutilised) I don’t think I again have to tell you that Club Mahindra charges Annual Subscription Fees (ASF) irrespective of you go for holidays or not.In addition they don’t allow members to accumulate more than 3 years (21 days) holidays.

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After 10 days you can cancel the membership but there will be no refund – sounds similar to our favorite endowment plans.Each day one takes 4-5 financial decisions and if not more, there is a fair chance that few of them will prove to be wrong. (If decision was wrong – cost Rs 1500-2000 if tickets bought in Royale or Rs 500-1000 if bought tickets for Executive class and additional loss of Rs 200-300 if buying Pepsi or eatables – even choosing large or small Pepsi is a financial decision – impact Rs 100 on budget) Let me also share that one decision which is blunder for one person can be a small mistake for other & for third person it may also prove to be right – again financial planner’s favorite line “it depends on person to person”.Sometime money involved can be small for eg going for new released movie. So why I am saying Club Mahindra Membership is MY biggest mistake (in short) – because: Membership is also divided in these categories where you can utilize holiday in your season or lower.But after that if you want you can sell your membership in open market – but there are no buyers.Check sites like Quikr or Olx and you will find lot of sellers but no buyers.

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