We have talked about buying in to the DVC option since my first visit to Disney in 2008 but decided that we were way to young (21/23) to buy in to something like that. Since then we have been to Disney 6 times and have stayed on property 4 out of the 6) But now we are back considering the options and have a ton of questions. We would like to have our home resort of the Boardwalk Villa's because of it's proximity and our love of Epcot. We tend to travel in Jan, Feb, July, Sept and would love to do a Disney Christmas at some point down the road. 1. Is there a set cost per point and is it negotiable? 2. Is there a minimum number of points that must be bought (100 points should be more than enough until the add-on bug bites us) 3. If we determine that we don't have enough points for a visit are we able to combine rented points. 4. Most and foremost -How do I calculate maintenance fees? I see that there is a sticky on fees but do I take the current rate for the property and times it by how many points that I would own? 5. Is everyone able to bank points or is this an option that you have to build in to your initial purchase. 6. Is the total due upfront or is it over a period of time like a mortgage. Thank you all for any help you can offer.