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  1. Msmithmd

    buying another resale contact in a different UY month and how points can be used

    Transfers are by phone only. If your contracts are the same UY month and same name, they will show up under one membership and you can combine points during online booking yourself. Sometimes, that one hour advantage to online booking means getting a high-demand room option versus missing out...
  2. Msmithmd

    WL 2 bedroom Villa-Question: can we sleep 9?

    We are owners at VWL. Both dedicated and lock off 2BR will accommodate nine in the room, and will allow this number on MDE; however only the lock off would have beds and linens for 9. The Murphy beds were only added to the studios during the 2014 refurb. Due to door locations in the 1BR and...
  3. Msmithmd

    Poly - hmmm

    I hope you're right, because I would like to use my cheap resale points to grab studios at PVB every so often. But I tend to believe Jerseyduke and Drusba's thesis, that the 1m points sold in the PVB allocated to bungalow units that almost no owners there are going to be able to afford, will...
  4. Msmithmd

    Poly specials

    Agree. The guides who tell you that you get an "extra" year of points as an incentive to purchase are telling you a lie. They don't all do this of course, but a lot of them do. You will receive, and will pay for, 50 years worth of points if buying PVB this year. Going down per year, and...
  5. Msmithmd

    Poly - hmmm

    Renovated buildings. But they were stripped down to the walls. Everything inside is new. But yes, not truly the same as new construction. Which of course didn't make Disney pause in starting out the resort as the highest priced initial offering in DVC history.
  6. Msmithmd

    Poly - hmmm

    Brilliant analysis. Cynical, yet it seems totally correct. Hadn't considered this perspective, but how could anyone fault this logic? This post should be required reading for everybody considering buying PVB points.
  7. Msmithmd

    Poly - hmmm

    People (some extremely insistent) said the same thing about BLT and VGF. No question that for the first few years it will be difficult. But remember that the large majority of DVC members aren't the frequent readers or contributors to Disboards. This large number of folks don't necessarily...
  8. Msmithmd

    PVB Points Chart !

    My suspicion is that PVB is DVC's response to the gross mistake they made with VGF. Namely, making the resort so extremely expensive and making the point chart so steep that a large number of members only bought enough points to secure a studio. The number of VGF members with enough points for a...
  9. Msmithmd

    Purchasing used points

    Buying a sizable contract at a classic resort direct from Disney makes no reasonable financial sense in any situation. Some people try to use a car sales analogy, and that basically holds with these clarifications: What you need to understand is that buying BWV resale versus direct from Disney...
  10. Msmithmd

    Is 160 pp that bad?

    Quite correct, although you can get in the weeds pretty rapidly doing TVM calculations, because then you need to guess the delta for CPI inflation versus DVC dues inflation out 50 years and account for that as well, and also you must make the assumption that on purchase day, the purchaser would...
  11. Msmithmd

    Is 160 pp that bad?

    Just for kicks, I calculated out the following: One week in a PVB studio, standard view, magic season (when a whole lot of folks travel): 169 points. Buy-in: $27,040. Total summed maintenance fees, on 169 points x 50 years, at a very conservative 3% inflation per year, starting at $6.02 per...
  12. Msmithmd

    Questions about purchasing DVC NOT through Disney

    Part of your closing cost is title insurance, just like with any other real estate purchase. The only exception would be a private party sale where you trusted the seller implicitly (like buying from your parent or best friend.) Any contract has to go through estoppel process where the points...
  13. Msmithmd

    **ROFR Thread 2015 January-June** Please read 1st post for instructions

    I sense a great disturbance in the force- and it is your contract. Really hope you will pass, but if I were you I would keep looking as I don't think this one has much chance of going through. For your sake, I hope I'm wrong...
  14. Msmithmd

    Poly (what to call it? PVRV?) open April 1

    Being a beer fan, I was hoping they would abbreviate it PBR (Polynesian Bungalow Resort). But I believe PVB is correct.
  15. Msmithmd

    Renting points a few questions

    Yes. The MB is your room card. And your ticket. And a credit card on your wrist, if you set it up for charging. To be precise, the band links to MDE and tells the system who you are. The front desk has told the system that you're in a specific room. So when you identify to the system by tapping...
  16. Msmithmd

    Is a 12 step program needed?

    The same thing that infuriates some folks about FP+, DVC booking windows, and ADR, makes other people's day. For obsessive planners, Disney has just about made the dream system. When they decide to add bathroom break fastpass windows, I will have reached my breaking point. Until then, I'm...
  17. Msmithmd

    Poly add on?

    Yep. You get a very big bill. And you're one of the few owners at that resort to actually get 50 years worth of time to use the purchase. One other thought- be very careful about use year when a resort first opens. DVC can only give current UY points for a certain date from when the resort is...
  18. Msmithmd

    Purchase agreement

    Glad it worked out for you. To speak to the concept, I think you were worried about nothing. As prior posters have explained, every DVC contract has all future points going forward beyond the next UY, and nobody can access them out beyond borrowing from the immediate next UY (for trips a...
  19. Msmithmd

    Different UY vs. Same UY

    Probably not too bad if there are enough points in each contract to use them to book different trips independently. Say one contract for spring travel and the other for fall; or one larger contract to use most of the time, plus another small contract somewhere expensive to bank/borrow and grab...
  20. Msmithmd

    Missed closing date

    Curious, if you don't mind saying- which broker and title company are you using?




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