ok so a year later after I am already regretting buying into this as I starting reading more online and realizing the interest will go up and it really is not an investment. I go to my second trip in which when I check in they tell me I need to go to a "meeting" about my "ownership" to learn how to best utilize it. So I go with the same friend and all the meeting is, is a ploy to get me to buy more points. when I said no they were really rude and mean to me saying I am going to regret it as I bought into a biannual ownership although I pay every year. This is when I find out my points will only get me about maybe 1 week every other year....Great I paid way too much and getting not a lot! Also this sales guy says I am going to end up paying a lot of extra fees of course they don't tell anyone any of this when they are selling in the first place.