I just bought into VB today. My guide was Susan Schell. Very nice by the way. They are offering 13/point until 4/1. That particular one also has the ability to be bought over the phone where all the points from last year (if applicable) can be used for a downpayment. I'm in CA so check with them on your program for your state. Hilton Head is only half and only at 10/point. The annual dues are roughly 200 higher than HH but we decided that we wanted a beach house so we're willing to deal with it.
Take care,
Tony
troth@postmark.net