We originally bought 150 pts at VWL. in 2001, then quickly added on 112 at VWL, then 100 at HH. We ended up selling all of the VWL points for the cash. Now we only have the 100 HH pts. which is not nearly enough for our family of 6 and soon to be 7. This past May, we splurged and stayed at the Polynesian. I know we need more points or else we'll have to go every other year and keep borrowing. I'm working on my husband, but he's not into spending the money right now.