Hey Everyone, I am currently at Disney and sat through the presentation for the 2nd time (1st time was back when Boardwalk was selling) and am planning on joining. I really hadn't known about the resale market nor about any changes or how much the MF went up each year. I was thinking of getting Wilderness Lodge since it was $100/pt and getting about 146 pts since that would get me all the points I need to travel. However in reading this forum, i sounds like I should be getting on the resale market instead since it would be cheaper. What about both? Does it make sense to get a small contract direct from Disney (50) and get add-ons on the resale market? If I get 50 points, I'll get 50 points to start plus the 50 at the UY (current promotion). I now understand the current promotion of 10% on AK and Hawaii since there seems to be an additional amount of points available. I could also wait until the Floridan and buy then... I can't get a 2nd mortgage or HELOC since I don't have a 1st mortgage and am pretty certain I can't get a mortgage for the small price of what I would need for the timeshare which is sad since the rates are soooo low right now. Also, why is it bad to use DVC points for Disney Adventures, the Cruiseline, and the Asian Disney Resorts? Background info: This is my first time where I've actually had to pay full price for Disney since before I used a cast-member or friends-n-family discount. DVC is interesting to me for the perks, the variety, and the cost effectiveness of staying on Disney property when visiting. But I am also interested in Disney Adventures, the Cruiseline, & the Asian Disney parks (used my cast member discount when I went to DL Paris in 2003) and figured the points would help me be able to do that. I only travel in the off season (October & January; March/April rarely) or when I can get a deal. The 11 months to book a room vs the 7 doesn't seem like it would make much of a difference for me since I don't plan that far in advance as I usually get my flight 1st. I've met a couple DVC members at EPCOT and at Universal but that was before I found this board this morning. Anyhow, any insights would be helpful.