My DH and I are thinking of joining DVC and need some advice. Some background - we are in our mid-20's, no kids, busy jobs and tend to plan vacations 3-4 months in advance. We love Orlando and think that a studio would be sufficient at least for the next 5 years (prefer King bed). We would like to go to Disney 1 -2 times per year, probably for 4 nights each time - in the past, May and October worked best for us. Because of the nature of our jobs, I couldn't see us ever travelling between Thanksgiving to late April. Of course, once we have children and they get older, who knows what our needs will be... I have read that the minimum # of points to become a member is 150 - is that just if you buy from Disney or even if you buy resale? That leads me to our second question.. there is no way we could use 150 points now, so how hard is it to rent the points to others? Then, there is the "which resort" question. It seems that the consensus is to "rent where you want to stay" but like I said above, we usually make vacation plans 3- 4 months in advance, so does this even matter?? I think I would like the Beach Club the best because of its location, but I LOVED the pictures I saw of Saratoga Springs. Any advice?? We planning a trip to Disney over Memorial Day weekend and will be staying in the Swan. But, for our October trip, we are going to try to rent points for a studio at the BCV to "try it out". Did you make a point of trying the property before you bought??? Can you get a tour?? Also, what "hidden costs" have you encountered on top of the intial purchase and maintenance fees?? How much is closing for a resale?? Through Disney?? Finally, what is the biggest NEGATIVE that you have encountered?? I would really appreciate a balanced view because this a big decision for us. Thanks for your help!!!!