I just purchased points at Bay Lake today. I am an extreme novice at all this Disney stuff so I am here to ask the experts (although after reading a few threads I am overwhelmed at all the acronyms). Even though I bought at Bay Lake can't I use my points to stay at another resort at WDW? Is there a benefit to buy at a particular place or can't you just use the point for whereever you want to stay? Also what is a TIW card?