Thanks Everyone!I have been learning a lot from all of you.  The answers from Fasttr and Greg have been so helpful.  I purchased 3500 points in July.  I am looking to book a vacation for my husband and myself with our two children and their families.  That would be 8 people.  If I am understanding correctly, I would need to bank my points within 6 months of the closing so that I would have 7000 points in order to have 3 bedrooms at most vacation club locations.  Then I would be able to use the 7000 points in 2014???  We live in NY and would appreciate some guidance as to which vacation clubs would be good o take our 5 & 7 year old grandchildren to.  Should I be posting in another area now?