Everyone has been so helpful so far and this is a very big decisions for my family. We will likely be ............. deciding then whether to buy a DVC. I would consider it more now but we just put in a furnace and AC unit unexpectedly and paying off our trip we just took in March. 1. if we tend to go on trips in march, May and summer with a trip someday close to Christmas. What UY should look into.. January/Feb? 2. If we have to cancel, do we get our points back? What is "holding". I have seen this in posts before. 3. I am torn between a 150/200 point package or 100 point packages at 2 resorts. I plan to do 6-7 day trips in studios once a year but would like the flexibility to take other family members maybe every other year and get a 2 bedroom. Would it be better then to have all of my points in one place? 4. I may be planning a grand gathering for June 2013-2015 (not sure yet) for 4 families or 32 people would renting points be the way to go for this or my sister would qualify for a military discount should they have it then. We can only reserve 11 months out for rented points right? Since it would be all ages I was was thinking BCV's. 5. I see lsitings that have points from 2009 and 2010... how can this be? I thought banked points expire by the end of the UY? Thanks!