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I don't mind timeshare presentations at all. In fact, I think they've help to build my resistance to other types of sales pressure. Boring? Never. If you're bored you can always play with the salespeople. (It's good to let them know up front just in case they want to conserve their time and just let you have your prize and go home.) Here are some that will throw them for a loop: 1) I don't believe in going into debt for depreciating assets. 2) Why would I buy from you when I can get the same thing on eBay for 1/2 price or less? 3) My ideal vacation would be in (insert exotic place where they have no affliated resort here -- Israel, China, etc.) 4) Really? You can book me anytime anywhere? Do you have a membership? You do? Great! Can you book yourself into (insert very popular always book resort here) next week? I just want to make sure it works. I'm sure they'll let you cancel the reservations with no fee.

As far as the premiums. . . Always go for cash or cash equilvalents (gift cards to restaurants you actually will go to.) If they offer trips, ask for cash or cash equilvalent instead. Lots of times they'll adapt. I've found the trips are impossible to take.