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I own a Starwood property (not Hawaii) that I bought via Ebay for $1400 (escrow included) for 1 premium bedroom, every other year. It came with no StarOption or StarPoint. While I was there for vacation last month, they want to upgrade my ownership. They offer another 1 premium bedroom, EOY usage for $11,000; it comes with 81,000 staroptions and 30,000 StarPoints. If I sign up with AMEX, I would get another 12,00 StarPoints. If you enjoy returning to the same resort each time, then you are better off buying it on Ebay. If you want to travel the world or to other SVN resorts, then I do see the value of paying $11,000. It all depends on the kind of traveler you are.