I would recommend walking through the program with a
DVC guide. My experinece with DVC, in person and over the phone, is very relaxed. No high pressure sales. They will explain the ins/outs of the contract, how points work, help you determine how many points you may need, help you pick the best use year for your travel plans, tell you about incentives, etc. The biggest issue...deciding which resort you'd like to purchase and how many points. That would be a big driver of whether you purchase resale or direct through Disney. If you go through Dis, you have to buy a minimum of 160 points. You can purchase any amount through resale. Also, some resorts are much less expensive through resale, where others aren't by the time you add in closing costs.
You can go to
www.disneyvacationclub.com and read more. You can also take virtual tours of the different DVC properties (6 at WDW, 1 at Vero Beach and 1 at Hilton Head). Two new resorts have recently been announced (California and Hawaii) and many people are anticipating the possible announcement of a new DVC resort by the Contemporary (called CRV or KTV on these boards). Even if it's announced, sales won't begin until late this year or into 2009.
Best of luck with your research and future decisions!!!

By the way, welcome to the Disboards!!!
