Just come back from Disney, left a deposit for DVC membership and still not totally sure before commiting to final payment. Signed up for Saratoga Springs. Does anyone know what the European places are like and are there any cons, like no 1 bed places, no use in Summer etc. I think I will get use enough from Disney etc but just wanted more info. Exchange rate has gone against me, anyone any good ideas on getting the best exchange rate for the transfer. Also, has anyone sold points - does it work o.k and does it cover your annual dues if the worst case scenario of job loss etc happens? Finally, whats the rate the annual dues have gone up by over the last 5-10 years on average. Many Thanks for anyone who can help.