we are comparing both of our situations that are completely different i bought sept use year and got 2012 and 2013 points and i got it a 102 2 weeks ago. so if i saw a contract come up with no points until 2014 i feel like its not worth it. i am buying these to use points i want to get that 2 bed room next year with out borrowing 2014 points. it worked for you i am happy......the deals are just not as drastic now for 50 points or less