Why limit yourself to a single vacation house when you can flit from villa to yacht, or from Telluride to Tortola?Private Retreats, an exclusive resort club, gives members unlimited access to properties at a dozen golf, mountain, and seaside locations in the United States, Mexico, the Caribbean, and Europe. Plunk down a $175,000 deposit (refundable, if you ever decide to withdraw) and $6,500 in annual dues, and a four-bedroom cabin in Telluride, a 50-foot yacht in Tortola, or top-notch lodgings in 24 other locations can be yours for $150 a night. Private chefs, a luxury car, and transportation by Learjet or propeller plane can also be arranged. And since the club has capped membership at 400, you're virtually assured of getting your first choice exactly when you want it, even on a moment's notice. Private Retreats, 800/925-7577, fax 603/448-6501; www.private-retreats.com.