Ok, so the wife and I have a plan to hopefully purchase into DVC in 2 years (able to pay upfront for resale of about 150 points). I have spoken with the DVC people on the phone and while they are helpful, they do not really "directly" answer every question. Soo...I have found the DISBOARD members to be very honest and am starting this thread to answer "honestly" as many of the questions we have (haha) as possible. Please don't use abbreviations for terms as I don't know them yet and they can be confusing. Let's start with these three: 1. What is the benefit and why do you choose a "home" resort? If points can be used at "any" resort (as the DVC club phone rep stated) then why wouldn't I just buy at the cheapest resort? 2. Can I ever use DVC points on a "regular" hotel room at a non-DVC resort? They were oddly cryptic about this to me on the phone. 3. Are years fees do per month or all at one time at the beginning of the year/cycle?