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I did buy 3500 pts in 2009 for $10000$ plus $790MFs.I did not use it in 2009 but I was able to save 1750pts for 2010. In 2010 I paid $835 for MFs and was able to sell a 4000pts vacation for $865; so in 2010 I only have 1250pts available. There is nothing good to book for 1250pts. I can bet my MFs for 2011 are goin to be close to $930 and I will not be able to sell a 4000pts vacation to cover the MFs. I need tips to make this system to work for me..