So I am relatively new to the DIS, Disney in General, and DVC. We bought around April from Disney, 100pts at AKV, because that was the best "deal". We wanted the flexibility for a possible disney Cruise use of our points, now I'm thinking it wasn't worth it, based on the # points required for a cruise! Yikes! Does anyone actually use points to cover the cost of a cruise?? does it make more sense to just give up on that one and focus on the WDW/DL locations. ? We did use Disney Financing, which thankfully WAS a smart choice because we found out a few months later we were moving due to Hubbs job, and took a loss on our home. We didn't use our savings on the DVC so we had it to cover the loss. BUT the % on the loan is higher than I'd like... does anyone know if it is possible to refinance or something like that. I'm thinking we could possibly get a personal loan... am I correct? If I want to get more DVC points, does it make more sense to buy resale at another resort, but try to have the same (Dec) UY? At this point that's more of a dream but I'm just sort of thinking aloud here... we have our first ever DVC stay coming up this week so I'm sure I will figure some things out after this trip! Thanks for thoughts !