We are new owners and recently purchased 130 VGF resale. With the borrowing restrictions currently in place we are thinking we’d like 40-50 more points. We have an offer in on a 50 pt VGF that matches our use year but there are multiple offers so who knows what will happen there. We also visited RIV (didn’t stay there but pretty much saw it all) last spring and really love it. Since we’re looking at a small contract we aren’t terribly concerned about resale restrictions but it is a bit higher cost initially and dues are higher. Do you think we are better off adding on VGF since the contract is exactly what we want or would you diversify and get the small RIV contract so that we are able to stay there sometimes (or future resorts!) ? Keep waivering back and forth and curious what you experts would do!!!