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meatsss That the only way to get your money worth you have to use it. Although I feel stupid buying retail twice. I love being force to take Vacations because of my stupidity. 19 weekly vacation since 2009 since my first purchase. Need 31 to go to average $500.00 a week per vacation that included original stupidity money plus yearly maintenance fees and RCI exchange fees and future RCI member fees not sure if I am going to Renew with RCI might try Dial Exchange or Red week. Didn't bank 2014 week yet. I don't really need to bank my week because its always on RCI as an Extended or last minute deal. Joe