This is a great site...mahalo for the tips! I am an extreme newbie. I am considering buying a TS direct to be able to deposit my week in exchange for MR points. Is this a good move? I've learned to look into buyer point incentives, use the MR credit card when buying, and more. I live on Oahu and am considering an EOY 2-bedroom lock off on a neighboring island. I may use it on occasion, but for the most part I'd like to travel on Marriott hotel/air packages. I have a family of three, and I am looking for long-term cost savings while being able to travel to locations I might not otherwise be able to afford (Europe, for example). The MF are a concern and I'm wondering if it might be worthwhile to buy into another property (perhaps Las Vegas) that might have similar exchange week-to-point values with a lower MF. Thanks for your feedback!