As another year end approaches and my company begins to announce annual bonuses, I find myself wondering if this could finally be my DVC year! My love of Disney is not the question here. With at least 2 trips annually for the past 11 years, I think I'm in it for the long run. My hope with this post is for a sanity check to ensure that I am thinking through this correctly. I want to make sure that I'm asking the right questions and will not have a big unpleasant surprise at the end of this journey SO, today, I am leaning toward multiple resale contracts to ensure that I have the benefit of home resort reservations in some key areas. This would include 40 to 60 points at a MK Resort (thinking BLT) and another 40 to 60 points at an EPCOT resort (thinking BCV). Additionally, I am looking to do another 130 to 150 points at a "lower" per point resort to fill in the gaps (OKW maybe). Ideally, I would land somewhere in the neighborhood of 230 to 270 points total. Currently, I do one trip in early summer (June) and another one in the Fall (September or October). The travel size for these trips is usually small (2 to 4 adults maximum) and each trip is 4 to 5 days (Thurs - Mon type deals), so I would hope that my point totals (230 to 270) could set me up nicely and possibly allow for points to banked to take larger travel parties along every few years. Questions: - How much negotiating can be done on a resale? I see some sites offer an average per point cost. Is it socially acceptable to use that number as negotiating tool? - I am looking to keep my upfront investment below $20,000 and my annual dues around $1,400.00. Does this sound at all doable? - How can I get a solid estimate of closing costs? Is there a formula that can be used based on the number of points I am after? - Instead of solo online searches does it make more sense to call an agent, tell them what I want, and then let them have at it? If so, does anyone have any suggestions on who to use? - UY is not another area that I could use guidance. With my June and Sept/Oct targets, does Dec make sense? Anyone have any concerns with this approach? A ton of info here, so I apologize if the wordiness! And, if anyone responds.... I say THANK YOU in advance for your time!!! Cheers, B.