I'm a little confused and new to this DVC thing. We are thinking about joining and Disney is offering to buy back last years points at $13 to put that towards our downpayment. How come they are offering $13 when I see other points are at a $55 or higher value? Does this mean if I were to sell my points later I would get a better $ value than what Disney is offering us? How do you know what a point is valued at? Does it depend on resort? Sorry for all the lengthy questions. Any help would be greatly appreciated. Thanks and have a Disney Day!