I think many TS groups are going to points. Last stay I had at my home resort I had a lot of pressure to convert my existing contract to points. I have two one bedroom units. I can go one week with friends or stay for two weeks forever. That's all I need. The way I see it, if I convert to points I give the resort owners a lot of power to re value my contract any way they want. I opted for a fixed rate home loan many years ago when Adjustable Rate Mortgages were all the rage. ARM's are killing people financially now. I see time share points as the same poison. They may look good now, but when demand rises for certain properties, how many points will you have to spend to get a quality vacation. I'll keep my two guaranteed weeks in the room configuration of my choice.