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As a banker I can tell you that interest rates will not be going down. I can also state that DVC points will continue to rise. So basically, at this time, you will probably find that the cost to you will not be lower then now-plus the discount. If you have room in your budget to buy, now, DO IT...

I am very satisfied. I think that being in this chat room makes that an automatic. However, I do feel that since our numbers are approaching 90,000 strong we are not fully appreciated by Disney. There should be much more perks. I mean the buying power we bring into Disney warrants much more...

Count me and my wife from Brooklyn, 62 and 61, respectively. Our second cruise. went last year 12/04 with my two daughters and son in law. The trip was magicial. Had to go back. I now have it in my head to go every year in February-forever! Dom

Denise You are good; No, I mean, you are good; no, you're good. ( from Analysis This) Love Dad

Hi! My name is Dominick and I am a Disney addicted. I quess I have been all my life but have, in recent years, come to acknowledge it. I am afraid that I have passed the addiction to my two daughters (36/32). One has just become a DVCer with two Disney cruises under her belt. My second cruise...

The Disney vacation plans are the only thing that keeps me sane. I live from trip to trip. I am going to Disney World for Thanksgiving and then a Cruise in 2/05. I will be structuring the rest of '05 around when I can return, how much points, my wife's vacation available etc. I have been so...

I am both a DVC and a shareholder. Matter of fact, I belong to an investment plan that takes a sum from my checking account every month and buys Disney stock. Very interesting days, ahead! Dom

That's what I did. Use your Disney Visa card or Amex( milage points). Then charge to your home Equity at prime (4% interest only payments). You will probably save a couple of hundred dollars a month in your budget AND it is a tax write-off. "Don't even think about it"-Brooklyn slang Dom

I have close with both Disney and "Timeshare". They both worked. However, I always felt more comfortable with Disney and did not feel the savings from a resale was worth the doubt. Especially, when you get $10.00 rebate on points and no closing closes. Next time buy direct from Disney. Do not...

The Board is like "mini-fixes" till you'll get to DisneyWorld. If you love DisneyWorld how can you not be addicted? I can't get enough!!! Dom

Why not just buy the points, directly? If you use the magicial benefits (I think that is what it is called?), you only pay $74 a point with no closing costs. In addition, you can use their financial arrangements. When you factor in the closing costs plus the broker fees you save a couple of...

I just booked for 7 days-Western cruise, leaving 12/6, with my wife. I used my points. I have two adult daughters and one is married. They all are coming, on their own. This is my first Disney cruise. My youngest daughter spent part of her Honeymoon on the Eastern, 7 day cruise. I am so excited...

I wrestled with my wife over the add-on at the Beach Club. I won and added 125 points which brings me to 500. I took advantage of the magical beginning, used my tax refund check for the balance of the down payment and borrow from Disney at 9.75%. One thing that I have learned from life-"You...

I believe that BWV at this time is more valuable because from there you can go to the Yacht and Beach, EPCOT, MGM, Swan, Dolphin, Jelly Roll and Dance Hall . Basically BWV is in the center and probably built with that in mind. You do not have to leave the area to be entertained. I have stayed at...

need 89 points to book broadwalk, studio, standard view from 4/3 to 4/7. Do you have anymore available at $7.50? my e-mail is vze3rjst@verizon.net Dom