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Your still going to have ongoing MF's with these purchases. HICV in Gatlingburg and Myrtle Beach are converted float weeks and you still have to pay MF on the underlying week. Lake Geneva is a UDI but you have MF;s based on the number of points you have it is also still deeded. Your post makes me think you don't understand the concepts involved in the HICV system so I would be very careful of buying because you might end up with something other than what you think.