I would have purchased at least 5 years earlier and I would have purchased more points to begin with. We started out with a 230 point contract, and quickly discovered it was not enough, so we added a 150 point contract the next year. The good thing about doing it that way is that we ended up with smaller contracts instead of large ones. We also kept all of our points at one resort to make use more flexible. Now that we have the number of points we need, a small add on at another resort was possible.