Unless you are doing a HUGE reno in your house, well it's just no worth it! We are coming up on our 10 year mark, and well, we have not now buy back in if we wish to stay on!!! Of coarse it's at a reduced rate of $2614.50, it is originally $5999.00 at present, and the new annual fee after the initial 3 years went from $170 to $299!! This is insane, outrageous!! We saw it as a "lifetime" investment, but that is NOT the case!! You can really only save if you do major reno's, not buying the everyday or household items. We are VERY sorry we ever joined now!!! read full review »