Just to try to answer the OP's question, an MF stated as $34.xx would have to be the monthly amount. Trying to determine the accurate MF is a challenge on an e-Bay auction. The information is usually not highly technical. Meaning, some are inaccurate, some may be a year out of date, some may not include the program fee, and some are just plain wrong. You can't really know how knowledgeable any eBay seller is unless you become a little knowledgeable yourself. Through TUG for example. There seems to be a thread here each year listing correct MF's posted by members who own the actual resort you might be looking at. That's the gold standard. Other things that may or may not be specified in the listing are whether it is a converted fixed week or something else. In many case that may not matter, but in some cases it will. You have to read here, and ask questions about how things work in a practical sense to decide whether to bid on a particular Wyndham listing. Then you can ask a seller well in advance to put all these answers on the record.