Okay, now I'm confused more than ever. Thanks to everyone for the great Disney tips, but I am not even there yet. I'm just trying to figure out how to get there.

Maybe I should clarify.

I have about 75,000 points available to use through my various chase cards. If I go to my Chase account and click on ultimate rewards, it takes me to the site where I can by stuff. At that point there are two tabs; one for travel and one for transferring points.

My question is why should I transfer points? I can click on the travel tab and purchase a ticket to fly anywhere, even on Continental by using my points. What I don't understand is why would it be advantageous to transfer my points? I can also reserve a Marriot hotel room by clicking on the travel tab, but I can also transfer my points to Marriot rewards. Why?

Please understand that I don't understand and I think most of you are way past this point. I'm just trying to cram all of this great info in my little brain and use the points the best way that I can. Thanks for being patient and I will really want to use the cool Disney tips on down the road.