When looking at different contract and trying to determine the value of one contract compared to another, I use the following methods. Method 1 (AnnualPoints*$/point -$10*BankedPoints - $10*CurrentPoints + MF*CurrentPoints + ClosingCosts) / Annual Points The $10 per point for banked and current points is based on the current average value of renting out points. If the banked points are going to expire real fast I'll use a lower number such as $5. So for example given the following three contracts, how do they compare: OKW 200 points, $48/point, 0 banked, 100 current points, buyer pays closing ($450), seller & buyer split MF ($520 for buyer) = (200*48 - 10*0 - 10*100 + 520 + 450) / 200 = $47.85/point SSR 300 points, $53/point, 300 banked, 450 current, seller pays closing, seller pays MF = (300*53 - 300*10 - 450*10 + 0 + 0) / 300 = $28.00/point BLT 150 points, $90/point, 150 banked points, 150 current points, buyer pays closing ($350) and current MF ($633). = (150*90 - 150*10 - 150*10 + 350 + 633) / 150 = $76.55/point VB 50 points, $40/point, 0 banked points, 0 current points, buyer pays closing ($350) and seller pays current MF ($535) = (50*40 - 0*10 - 0*10 + 350 + 0) / 50 = $47.00/point Method 2 This looks at how much each point per year costs you for the years remaining on the contract past the current year. OKW: expires in 2042, so has 29 years left after the current year $/pnt/yr = $47.85/29 = $1.65 per point per year SSR: expires in 2054, so has 41 years left after the current year $/pnt/yr = $28.00/41 = $0.68 per point per year BLT: expires in 2060, so have 47 years left after the current year $/pnt/yr = $76.55/47 = $1.63 per point per year VB: expires in 2042, so has 29 years left after the current year $/pnt/yr = $47.00/29 = $1.62 per point per year Method 3 Same as Method 2, but add the current annual MF to get what a trip this year will cost you per point. OKW: $1.65 + $5.20 = $6.85/point SSR: $0.68 + $4.73 = $5.41/point BLT: $1.63 + $4.22 = $5.85/point VB: $1.62 + $7.11 = $8.73/point Note that none of this takes into account ones personal preferences on home resort, a UY preference, etc. For myself I'm normally looking to spend as little money up front for as many points as possible at a resort that has a fairly low MF. I have no real preference for a home resort and enjoy staying at any one of the onsite resorts. So I normally look at method 1, which means that I'm wanting to get as many free points as possible. Hope this was of some benefit to some people. If not, feel free to ignore it.