101 advice for newbies: what I wish I had known before buying..

I am looking at buying 150 points now (first time buyer)... my guide is saying that I have to have my first purchase be a combined 125 points and then i could do a separate 25 points at the same time to get to the 150... but he can't do 75 and 75...
Is this new guidance or has anyone recently been able to get them to split their first purchase like this?
We bought resale. We purchased two 200pt contracts (BLT) with the same UY.
 
I was one of those that didn't think I had a real pattern of travel and UY didn't matter. If I can get a a good deal on airfare/hotel, then sign me up! Then I thought about the inverse- are there periods I know I will not be travelling to WDW? Only when I thought about this did I realize that I've been avoiding summer (hot and humid), and that really elevated the importance of UY. I eventually settled on October (May 31 banking deadline). So it's not only thinking about travel patterns, but also patterns of non travel (if that makes sense).
This is definitely me & the way I decided which UY I wanted... and like you, I don’t want to travel to FL in the summer. 🥵 I went with an August UY since I will occasionally travel in late Sept. & I didn’t like the unicorn idea of a Sept UY. 🦄 I actually ended up with more than one UY- but they are for different resorts (with different point-types: restricted/unrestricted) ... I love it (most of the time), but this method is NOT for everyone 😉

I think another thing to consider when learning about DVC is that there is not a one-size-fits-all approach. People can share their experiences & that’s highly valuable, but everyone must make their own choices at the end of the day.
 
I am looking at buying 150 points now (first time buyer)... my guide is saying that I have to have my first purchase be a combined 125 points and then i could do a separate 25 points at the same time to get to the 150... but he can't do 75 and 75...
Is this new guidance or has anyone recently been able to get them to split their first purchase like this?
I believe it has to do with you being a first time buyer, you would need to buy the minimum points to get the blue card (125), and after that you could add on any number of points you want in the same UY. If you want to add on for another UY then it would be as a new membership ID then the minimum 125 pts rule applies again
 















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