We are now reconsidering going to Disney this summer. WE might go to the mountains instead or we just may go to the beach and that be it. My family is considering going to Gatlinburg for Thanksgiving next year--so we might need to save for that and do a quick trip to teh beach this summer. If we do Gatlinburg we would rent a huge chalet since there are like 20 of us total. Also if we go we would want to do all the holiday stuff that is offered there and I am sure all that will be costly. I just may be renting out all my points this year instead.