My wife and I met Tim in November 2006 on our first trip to Disney with our girls. I had seen the various DVC stations around the parks and in our hotel lobby. I had asked my wife to go listen to the Disney vacation club speech for one hour and they would give us a 100 dollar Visa card ( the girls of course got free ice cream ). Tim welcomed us with open arms and is as honest as they come.  I have called him a variety of times for advice and his professional opinion over the past 14 years.  Tim always has your families best !!!