I've been reading these boards for a while trying to better understand the DVC so my DH and I can make the best choice for our family. With that said, I know that if we do buy in, it won't be for at least a year or two so I have some time to continue to learn (and save). Here's some questions I still have: 1. Would it be a bad decision to buy one contract around 100 points at first and buy a second contract later? What things do I need to consider when doing this? 2. I am pretty sure I want our home resort to be BLT and we will vacation mostly in January with it sometimes falling in February. What's the best UY? How many months do you get to bank your points for that year? 3. How soon should we buy if we are wanting to go and use our points in January of 2016? We may wait until after this trip to buy, but in case it works out before then, I want to know how soon we would need to do it. I'd guess in time to make our 11 month booking window? Thanks for any help! I feel a little slow in understanding all of this but I sure do enjoy reading and slightly obsessing over it!