The Gift Certificates have a 20% rebate credited back to your credit card the first week of the month following your purchase (not 2-3 months). Ex-I bought quite a few GCs at a couple of different times in October. On November 2, my credit card was credited with $110 (the total rebate for all Oct orders, not done separately). No problems at all with this - you can join sometime after the first week of the month, buy your GCs, get your rebate the following month and still have time to cancel within your 30 day trial if you want.
Disney PHs--after you join there are several different sections to the site, Restaurants, Stores, Theme Parks, etc. You pick theme parks, then you pick Disney Parks and select the type of ticket you want and add it to your cart (all taxes are included in the price you see).
Disney Meal Vouchers - again under Theme Parks, but then there is a separate selection for Disney Meals (not same place as park tickets). Again, select what you want and the price is as shown.
Standard shipping is free. I received my orders both in less than a week, probably 4-5 days. I just made a third order today so I'll pay one month memebership before I cancel (but with the money I'm saving on GCs, well worth the $7.95). I've stocked up with $300-$400 for toy stores and a couple hundred for Target/K-Mart, so I can do my Christmas shopping and I've bought Olive Garden/Red Lobster to give as gifts as well.
If you order GCs, your "shopping cart" will tell you how much you'll be getting back in the rebate.
I'm new to HWSC, just joined in Oct, but if you have any other questions, I'll try to answer.
