looking to become dvc and a queston i have is if paper work goes thru in january i still get to pick my usage month?we seem to be going more and more in july and august so would like to pick one of those. another questons is if i bank say july of 2004 pts how long do i have to use them before i lose them? one more queston is if i get in using the timeshare store so i can pick my home base(beachclub)and then need to add pts in the future do i have to wait until they come avallible at the store again because the beachclub is sold out thru disney? i have went back 2 months on the boards reading old post just to answer some questons i have. we have gone to disney 8 times and went on 4 cruises and i don't know what took me so long to invest into dvc. i thought a few years ago there was some catch to it and it wasn't for us but the more i read about it as long as your disney fan(never mind a disney freak like we are our)its perfect. thanks everyone for the help.