Dizneynutz and others,
Welcome to the DIS boards.
Anyway the FAQ's at the beginning of this site has some great info on it for new members.
There are some great
point charts available for down load from users that help plan your vacation and use of points. As far as answering some of your questions, I'll try even though I'm a newbie (since 2001) compared to alot of other DIS'ers on the boards and DVC members.
Anyway, as previously posted, The only extra costs for which you will experience is your yearly dues which were spelled out in your contract paper work. This is a per/point fee which changes each year. There are many ways to pay this, lump sum at beginning of year, monthly through auto debit from a checking account. I do not believe they allow you to pay this in cash installments but I can be wrong as I do the auto debit function.
Of course your park media tickets, food and tips to cleaning and other guest service CM's are extra just like at any other resort.
The thing that I like best is the flexibility in booking different resorts and the type of accommodations you get to stay in. In my eyes, even a studio at a DVC resort makes a standard room in a delux look small.
You will also find that once you start using your pts, you'll probably find out that what you bought won't be enough and you'll want to add on.
We've added on twice already, once at WL only after a few months of being owners and again late last year at SSR.
The other thing you will find out is when you can make reservations as the booking window depends on your home resort. Since we have pts at both Wilderness and Saratoga we can book 11 months out for vacations at those two resorts using pts assigned to those resorts only and at 7 months at all the other resorts.
You will also read that using pts for
DCL is a bad move to use your pts for. Many DVC'ers will rent the pts to other DVC;ers or other persons ( approximately $10/pt) and use that money for a cruise. We have taken a DCL cruise four times and find them very relaxing, We do not have any small children (youngest is 12yr old DGS) who usually travels with us. The ship has extensive adult only areas and the CM's make sure these areas stay pretty much kid free.
Hope this helps alittle, sorry for the rambling. You'll always get someone to answer most of your questions here.
kennyk
