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First of all, thanks to all in this most informative dialogue. Your well thought-out input is most appreciated. I am both a weeks & points owner and just wanted to add a word of caution. I have weeks resorts that are happy to have me convert to points on an annual basis. I also own weeks at a point resort (not my points membership resort) that are helpful when I want to deposit weeks and get points. My cautionary tale - I have a points resort (not the one I used to join the points program) that will not allow me to deposit my weeks for points. They insist I use a local real estate agent and pay $1.500. to join a program that I am already a member of. Just a suggestion if you are thinking of buying a new week at a new points resort - you might want to phone the resort directly and find out what their policy is on depositing your week with RCI and getting points prior to buying the timeshare. Their policy in this instance is harmful to current owners as I believe it makes this resort less attractive in the points/weeks equation. Ken 1193 above has offered solid advice. Again - thanks to all.