I'm sure I'm not the first but the more I read the more I get confused. lol I got interested in DVC during a DW trip in 2010 from one of the DVC booths. Passed on it because I like flexibility in where and when I go. The following year at Disney again, got a little deeper into it, almost signed, but then reading online read the resellers market is where to go.. never bought thought, quit reading. Fast forward to this Xmas trip and looking at DVC again because it is obvious we LOVE Disney and go nearly every year. But, everytime I open a new thread I get more confused. How exactly does DVC work? The way I understand it is I buy a package of 100pts at Bay Lake Villas, Contemporary, for $10,000.00. just a number. So I pay $10,000.00 then I pay like $5.00 per point every year? and every year I get 100 points? and they are only good for that year unless I bank them to use the following year? And then I can also rent points to add to my points at $11.00 a point to cover the vacation? and whats it matter on the home resort? it sounds like you can use points whereever you want. too many questions I know. hopefully I wont be banned from all the questions. more to follow I'm sure.. Help the clueless. please. maybe if I say what I think we want.. we love the contemporary (but have never been elsewhere) and we usually go for 7-10 days during Christmas each year.