Aloha We are seriously considering making our first DVC purchase and are in the researching and planning stages. We are 90% sure we want to go resale. Have been reading the Dis Boards for a week and have a couple of questions I was unable to find a direct answer to and hope someone can either help me with the answer or direct me to the right thread. TIA! Background: we are a family of 5, mom, dad, adult child and two little ones. We have made the decision to travel to WDW every two years while the little ones are young (under 18...that's still young to me) and hopefully longer than that. This year in our WDW planning, through travel sites, the cost of a 2 bdrm villa for 7-10 days Value Seasons runs us anywhere from $4,500-5,600 (approx). Airfare is around $4,000. Other seasons are even more. With tickets, foods, souvenirs, contingency expenditures, it will probably cost approx $10-11K. Through my (albeit limited) research so far, I was thinking that we could shelve the WDW vacation this year, do a staycation here in the islands, and take that $10-11K (added to some other funds) and purchase about 275-300 points in DVC. Looking at the recent point charts and contracts that have passed RORF, it would hypothetically cost us between $13,000-18,000 ++ for that many points affording us the opportunity for 1 week stays in 2 bdrm villas at either our top three choices, BLT, OKW, or AKV. Making our 4th trip our break even trip (room only)! If we got a great deal with banked points and were able to take a two week stay then that would make our break even EVEN sooner! So here are my questions: 1. Should we get ONE single contract with the total amount of points? or should we split it up into TWO smaller contracts with same UY (to make (hopefully never the case) future renting and re-resaling easier)? 2. Is it better to buy less points (say 275) and rent additional points when and if needed or better to buy more points (300) and rent out unsused points if there is an excess? Asking this one because in most cases we only need about 275 or less points for one week for most views with the exception of park views. Sorry this was so long. Hope I made sense. Again Thanks In Advance for any assistance.