catcher24
TUG Member
Not exactly. My annual maintenance fee for my points resort is $631, for which I get 33,500 points per year. My weeks resort is a biannual; the maintenance fee amounts to (presently, we know how they go up every year!) $440 bi annually, or $220 per year. As mentioned, I bank that unit as a pair of two bedroom, two bath units. I pay $52 to convert each of those units (61,500 per unit) to points, so for a total of around $492 I get 121,000 additional every two years. Thus, if you break it down on a "yearly" basis, I pay $877 (points resort MF of $631; half of weeks resort MF ($220) and one conversion cost factor of $26) for 95,000 points (33,500 for the points resort, 61,500 for one of the converted units).
If you spread it out over the two year period, I pay $1754 for 188,000 points. The cost is two yearly MF at the points resort of $631 each; one biannual MF at the weeks resort of $440; two conversion fees totaling $52. Of course, you would also have to add in the fee paid to belong to RCI.
I would really like to sell the points resort I own and buy into one with a cheaper annual MF, but with time share sales the way they are now I don't think it would move.