DVC RESALES
DVC RESALES

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Old 01-24-2013, 01:10 PM   #1
TotallyADiz
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Resale vs Direct (Again!)

Been lurking for a while and just recently purchased so I figured I would try to contribute back to the community. Thanks to everyone on this board for all the helpful information you offer.

So here goes. The question of resale vs direct is covered in detail on this board with many good points (pun intended) made. It is a decision that each of us makes for ourselves and for different reasons. I must admit it is hard to overlook the large amount of $avings when purchasing resale. Besides the obvious things that Disney has taken away from resale owners I wanted to point out my recent discussions with them and why I decided to purchase direct.

1.) it's very hard to argue NOT purchasing resale if you look purely at the economics. If you have the ca$h outlay and plan to always stay at wdw vacation club resorts....don't mind going through a few extra hoops to get transaction done and don't need the points right this second......resale seems the way to go.
2.) I fit into that category above BUT I think that I might change the way I vacation in future years when the kids are older. Maybe I will cruise more and want to do Adv or some other disney realted vacation. Even though it might not be a "good use of points", 10-20 years from now I will be way in the black on this investment and will want to use the points for something different from or in addition to WDW. 3.) If I do wind up traveling to far off places down the road and/or cruising and I have these points..........why not use them for these types of trips...and if I am going to go on these types of trips (ADV) I will want a travel agent who will make all the arrangements, tours, etc. I have to imagine that Disney is pretty good at arranging those things. So I see these points as being used for different vacations down the road then I will use them for now so I will want access to everything that Disney has to offer both now and down the road (adv, Dcl, etc.)
4.) Given all the above, I fear that if I don't buy direct not only won't I have access to what Disney has already limited but to new restrictions they might apply. I know that the only thing that is guaranteed is Wdw and they can change access anytime they want for everybody, including direct purchases but I find it much less likely that they will eliminate all the extra perks/access (from direct purchases). There might not be any guarantees but I feel safer with Disney.
5.) This is a big one and it plays into the "Fear" factor. When I made my pruchase my "guide" told me that when you buy resale your membership is "red flagged" which we all know is true to some extent because that's how they know whether or not you can make bookings with adv/dcl/concierge, etc. BUT he said it also means that the "internal policy" is to not allow you to get the same benefits or flexibility as direct purchasers. They might be "booked" more frequently if you purchased resale for instance. I'm not saying this is true and I doubt that Disney would ever admit to it (maybe they would?) but the mere fact alone that anyone within Disney would even say something like that (on recorded lines) worries me. Maybe it is true that they do that. Maybe it isn't true but they might start doing it down the road.............and even if they don't they can always implement new restrictions. I know this might just be an intimidation tactic but for me it works because as I stated above, I really do want access to other vacations down the road besides just Wdw. Just my .02.

Thanks again to all on this board and no matter your decision HAVE FUN!
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Old 01-24-2013, 02:12 PM   #2
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Quote:
Originally Posted by TotallyADiz View Post
Been lurking for a while and just recently purchased so I figured I would try to contribute back to the community. Thanks to everyone on this board for all the helpful information you offer.

So here goes. The question of resale vs direct is covered in detail on this board with many good points (pun intended) made. It is a decision that each of us makes for ourselves and for different reasons. I must admit it is hard to overlook the large amount of $avings when purchasing resale. Besides the obvious things that Disney has taken away from resale owners I wanted to point out my recent discussions with them and why I decided to purchase direct.

1.) it's very hard to argue NOT purchasing resale if you look purely at the economics. If you have the ca$h outlay and plan to always stay at wdw vacation club resorts....don't mind going through a few extra hoops to get transaction done and don't need the points right this second......resale seems the way to go.
2.) I fit into that category above BUT I think that I might change the way I vacation in future years when the kids are older. Maybe I will cruise more and want to do Adv or some other disney realted vacation. Even though it might not be a "good use of points", 10-20 years from now I will be way in the black on this investment and will want to use the points for something different from or in addition to WDW. 3.) If I do wind up traveling to far off places down the road and/or cruising and I have these points..........why not use them for these types of trips...and if I am going to go on these types of trips (ADV) I will want a travel agent who will make all the arrangements, tours, etc. I have to imagine that Disney is pretty good at arranging those things. So I see these points as being used for different vacations down the road then I will use them for now so I will want access to everything that Disney has to offer both now and down the road (adv, Dcl, etc.)
4.) Given all the above, I fear that if I don't buy direct not only won't I have access to what Disney has already limited but to new restrictions they might apply. I know that the only thing that is guaranteed is Wdw and they can change access anytime they want for everybody, including direct purchases but I find it much less likely that they will eliminate all the extra perks/access (from direct purchases). There might not be any guarantees but I feel safer with Disney.
5.) This is a big one and it plays into the "Fear" factor. When I made my pruchase my "guide" told me that when you buy resale your membership is "red flagged" which we all know is true to some extent because that's how they know whether or not you can make bookings with adv/dcl/concierge, etc. BUT he said it also means that the "internal policy" is to not allow you to get the same benefits or flexibility as direct purchasers. They might be "booked" more frequently if you purchased resale for instance. I'm not saying this is true and I doubt that Disney would ever admit to it (maybe they would?) but the mere fact alone that anyone within Disney would even say something like that (on recorded lines) worries me. Maybe it is true that they do that. Maybe it isn't true but they might start doing it down the road.............and even if they don't they can always implement new restrictions. I know this might just be an intimidation tactic but for me it works because as I stated above, I really do want access to other vacations down the road besides just Wdw. Just my .02.

Thanks again to all on this board and no matter your decision HAVE FUN!
It sounds as though, at least for a few, the scare/intimidation tactics being employed by some DVC Guides may be effective. Sorry to hear that.

We have been members 20 years now and have already been enjoying some of the non-DVC trips mentioned above - but have found it far more economical to rent points and pay cash for the other options. Our points are both direct and resale and all were well before March, 2001 so none of the current restrictions affect us at this time. Yes, Disney is great at creating, planning and (especially) promoting their turnkey programs. They have some nice options now beyond the Theme Parks and using points (as heavily promoted in the DVC sales presentations) is an easy way to enjoy those programs - even though they can be a lot more costly than renting your points and then just paying cash to Disney for the exact same service.

As for the "red-flagging" you mention, certainly MS does know which contracts were purchased directly and will not allow points from resales purchased (after March, 2011) to be used for specific programs - but I suspect that your "Guide" forgot to mention that at times even options like Disney Cruises have been made unavailable to any DVC member using points (direct or resale) while those members who rented their points and paid cash for the same cruises had no restrictions at all (this happened within the past couple of years where they would not allow DVC members to use points for any cruises over a certain timeframe). So, if you are confident that would/could never happen again I suppose your plan is 100% safe. Hopefully your "guide" has promised that to you in writing in your DVC contract and just with a verbal throw-away comment (and a wink).

While DVC can (and has) certainly placed a few limits on resale purchasers, there is still a breaking point where they won't be able to limit resale purchasers any further without also having to affect those who purchased direct. Even the programs (like Disney Cruise Line, Concierge Collection and Adventurer Collection) are not guaranteed and in addition the point charts for those options have no limits regarding how much they may be increased on a whim (unlike annual DVC fees which have the same limits regardless how your points were purchased).

Best of luck with your decision. Welcome Home!
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Old 01-24-2013, 02:13 PM   #3
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All valid points, and you are right that every person is different and there is no right or wrong way to doing it. Just suggestion and opinions. I am a member who is going both ways. My first purchase I made direct. At the time I tried resale and got ROFR, and wanted to get going so I could go on vacation so I bought direct. Now that we have had DVC for a few years and have looked at the point charts for the DCL and ABD, to me it just doesn't make sense to use points on those.

Now that I am in need (well want) more points I am going resale. I don't see value in those for mentioned options. I seriously was going to wait and purchase VGF, but the more and more I contemplated it, the more it didn't make sense to spend the extra money when I could get BLT so much cheaper on resale. I'm not worried about future restrictions because this contract will be grand fathered in so no biggy to me. That is something each person must decide on their own.

BTW congrats on your purchase and Welcome Home!
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Old 01-24-2013, 02:38 PM   #4
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Having bought direct, added on direct and bought resale I can see all sides. The most important thing here is that you did what is right FOR YOU.

Congratulations on your purchase and WELCOME HOME!!

BTW, where did you buy??
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Old 01-24-2013, 03:44 PM   #5
TotallyADiz
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Thanks everybody for the Welcome Home and for your thoughts. I struggled with this decison. There is still the financial part of me that is questioning my decision but when balancing all my thoughts and fears and future concerns, I think I made the right decision for me......and luckily for me it wasn't completely driven by the financial component. I am fortunate enough to be able to afford it either way....and I'm thinking many of us, even those who are cost conscious, don't buy dvc just to "save money" and don't take trips to wdw because they are inexpensive. We do it because there is something special about the place and there is something special about owning a membership and being part of a club that will "give you an excuse" to keep coming back year after year. So I think we all win!

I also agree with a lot of these other posts I've been reading. Anyone who buys resale is just as much a member as someone who buys direct. The dues are paid just the same and the additional monies Disney earns from you visiting the parks is the same. If you didn't love it you wouldn't have bought into it. Just because you bought from someone whom, for whatever their personal situation, needed out of their obligation, shouldn't be a negative reflection.

Disney has to run a business and as such has to make some strategic decisions from time to time but they should be very careful not to upset the fierce loyalty that has propelled the company for all these years. It's the membership here and people like us that have fueled Disney. We should be encouraged and not discouraged.

[Step down off soap box]

Dizbub, I purchased two contracts: one in BLT and the other in BWV!!!
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Old 01-24-2013, 03:50 PM   #6
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Originally Posted by TotallyADiz View Post
Dizbub, I purchased two contracts: one in BLT and the other in BWV!!!
Howdy Neighbor!!

We own at BLT and BCV!!
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Old 01-24-2013, 05:45 PM   #7
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Quote:
Originally Posted by TotallyADiz View Post
Been lurking for a while and just recently purchased so I figured I would try to contribute back to the community. Thanks to everyone on this board for all the helpful information you offer.

So here goes. The question of resale vs direct is covered in detail on this board with many good points (pun intended) made. It is a decision that each of us makes for ourselves and for different reasons. I must admit it is hard to overlook the large amount of $avings when purchasing resale. Besides the obvious things that Disney has taken away from resale owners I wanted to point out my recent discussions with them and why I decided to purchase direct.

1.) it's very hard to argue NOT purchasing resale if you look purely at the economics. If you have the ca$h outlay and plan to always stay at wdw vacation club resorts....don't mind going through a few extra hoops to get transaction done and don't need the points right this second......resale seems the way to go.
2.) I fit into that category above BUT I think that I might change the way I vacation in future years when the kids are older. Maybe I will cruise more and want to do Adv or some other disney realted vacation. Even though it might not be a "good use of points", 10-20 years from now I will be way in the black on this investment and will want to use the points for something different from or in addition to WDW. 3.) If I do wind up traveling to far off places down the road and/or cruising and I have these points..........why not use them for these types of trips...and if I am going to go on these types of trips (ADV) I will want a travel agent who will make all the arrangements, tours, etc. I have to imagine that Disney is pretty good at arranging those things. So I see these points as being used for different vacations down the road then I will use them for now so I will want access to everything that Disney has to offer both now and down the road (adv, Dcl, etc.)
4.) Given all the above, I fear that if I don't buy direct not only won't I have access to what Disney has already limited but to new restrictions they might apply. I know that the only thing that is guaranteed is Wdw and they can change access anytime they want for everybody, including direct purchases but I find it much less likely that they will eliminate all the extra perks/access (from direct purchases). There might not be any guarantees but I feel safer with Disney.
5.) This is a big one and it plays into the "Fear" factor. When I made my pruchase my "guide" told me that when you buy resale your membership is "red flagged" which we all know is true to some extent because that's how they know whether or not you can make bookings with adv/dcl/concierge, etc. BUT he said it also means that the "internal policy" is to not allow you to get the same benefits or flexibility as direct purchasers. They might be "booked" more frequently if you purchased resale for instance. I'm not saying this is true and I doubt that Disney would ever admit to it (maybe they would?) but the mere fact alone that anyone within Disney would even say something like that (on recorded lines) worries me. Maybe it is true that they do that. Maybe it isn't true but they might start doing it down the road.............and even if they don't they can always implement new restrictions. I know this might just be an intimidation tactic but for me it works because as I stated above, I really do want access to other vacations down the road besides just Wdw. Just my .02.

Thanks again to all on this board and no matter your decision HAVE FUN!
I am happy that you are pleased with your purchase. Out of respect I would like to share with you the perspective of someone who is reading this post. Quite frankly, you sound like a DVC salesperson. I'm not saying that you are and I'm not accusing you of anything. But what I'm saying is that it seems that you have internalized their sales pitch so deeply that your thoughts on the matter seem to be their thoughts, point for point.

Quote:
Originally Posted by TotallyADiz View Post
Thanks everybody for the Welcome Home and for your thoughts. I struggled with this decison. There is still the financial part of me that is questioning my decision but when balancing all my thoughts and fears and future concerns, I think I made the right decision for me......and luckily for me it wasn't completely driven by the financial component. I am fortunate enough to be able to afford it either way....and I'm thinking many of us, even those who are cost conscious, don't buy dvc just to "save money" and don't take trips to wdw because they are inexpensive. We do it because there is something special about the place and there is something special about owning a membership and being part of a club that will "give you an excuse" to keep coming back year after year. So I think we all win!

I also agree with a lot of these other posts I've been reading. Anyone who buys resale is just as much a member as someone who buys direct. The dues are paid just the same and the additional monies Disney earns from you visiting the parks is the same. If you didn't love it you wouldn't have bought into it. Just because you bought from someone whom, for whatever their personal situation, needed out of their obligation, shouldn't be a negative reflection.

Disney has to run a business and as such has to make some strategic decisions from time to time but they should be very careful not to upset the fierce loyalty that has propelled the company for all these years. It's the membership here and people like us that have fueled Disney. We should be encouraged and not discouraged.

[Step down off soap box]

Dizbub, I purchased two contracts: one in BLT and the other in BWV!!!
In my opinion, fear based marketing is one of the most dangerous and underhanded marketing approaches out there. Decisions made based on fear often turn out not to be sound ones. I am glad that you are happy with your purchase but I am sorry that you were intimidated into making it in that manner. As Doc pointed out, not only is there a possibility of Adventures by Disney and Disney Cruises not being available on points, but there is a possibility that they might not even exist in 20 years. But even if they do exist, you make it sound like you will be banned from those options simply because you purchased resale. You could always pay cash if you decided to take one of these trips...20 years from now.

Without going into details, we have a comfortable income and could afford to purchase direct if we wanted to. However, I just can't get past the fact that resale is essentially the same thing for half the cost. I think I'm too uptight, but maybe not.

Quote:
Originally Posted by DizBub View Post
Howdy Neighbor!!

We own at BLT and BCV!!
I appreciate your wanting to welcome a fellow DVC owner and reinforce his positive feelings from his purchase. That being said, this is a "no pixie dust" zone and I feel like we are doing people a disservice by continuing the salespeople's jobs of making (recent) direct buyers feel good about their purchases. As I've said before, I have nothing against direct purchases or people who buy direct. And the truth of the matter is that until about two years ago, the gap between direct and resale prices was narrow enough that it was a difficult decision to make. In one of the other threads a poster referred to a VGC contract that she purchased at $88 a point direct. How many of us wouldn't want that contract now?

That being said, something has happened to the DVC market that has changed the landscape significantly. Direct prices are now double or more the prices of resale. To the OP, I am glad that you are pleased with your purchase and I wish you the best of luck. But in my opinion you simply threw $80 per point out the window for no apparent reason. As long as DVC "guides" (can we please stop calling them that?) continue to cloud the truth, we are not going to see any meaningful changes in the way DVD does business. In my opinion, paying $165 a point for BLT direct is the equivalent of lighting your money on fire. I try to see all points of view, and I am truly sorry that I cannot see the other point of view on this, despite my concerted efforts to do so. Someone, anyone, please tell me what I'm missing. Until that happens, however, I will continue to bang the resale drum and try to inform as many people as possible about the differences between resale and direct (or lack thereof). I'm not trying to argue, I'm just trying to help. And in my opinion, DVC SALESPEOPLE are about six months away from being completely indistinguishable from the folks over at Wyndham.
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Old 01-24-2013, 06:45 PM   #8
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I appreciate your wanting to welcome a fellow DVC owner and reinforce his positive feelings from his purchase. That being said, this is a "no pixie dust" zone and I feel like we are doing people a disservice by continuing the salespeople's jobs of making (recent) direct buyers feel good about their purchases. As I've said before, I have nothing against direct purchases or people who buy direct.
Really???

I would appreicate it if you would not try to interpret anything else I may say in a public forum.
It's a very sad day when someone such as yourself tries to make someone merely being friendly and welcoming defensive.

Have a nice day.
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Old 01-24-2013, 07:03 PM   #9
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When I made my pruchase my "guide" told me that when you buy resale your membership is "red flagged" which we all know is true to some extent because that's how they know whether or not you can make bookings with adv/dcl/concierge, etc. BUT he said it also means that the "internal policy" is to not allow you to get the same benefits or flexibility as direct purchasers.
My guide is so lucky he didn't try that nonsense with me. He wouldn't have been our guide. (of course, he left a couple years later, so it's moot, but whatever money he got from our purchase wouldn't have been HIS money at that time)

I'm highly sensitive to sales tactics, meaning that if I'm bullied, lied to, exaggerated to, or pressured in ANY way, I will leave. The car dealership that tried the "you're not good enough for this car" crud got an earful from us.


We bought direct and are fine with the decision (bought early '09), but that's because the way we were at that time made it impossible to buy resale (we *had to* finance in order to have it at that time, which is what we wanted to do then), but I gotta wonder why anyone discusses resale with their DVC-employed salesperson EVER.
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Old 01-24-2013, 07:11 PM   #10
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OP, congrats on your purchase! Although I agree with most of what ELMC said, all that counts is that you're happy. I'm sensing, though, that you feel a bit guilty about buying direct. Why else would you create a long post to justify buying direct to a bunch of total strangers? I hope to be an owner soon and I'll absolutely be buying Resale. To me, the money saved will FAR outweigh any current or future advantage to buying direct. Heck, the savings alone will pay for my airfare to Orlando for many years to come.
Anyway, enjoy your DVC experience and congrats!
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Old 01-24-2013, 07:44 PM   #11
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OP, congrats on your purchase! Although I agree with most of what ELMC said, all that counts is that you're happy. I'm sensing, though, that you feel a bit guilty about buying direct. Why else would you create a long post to justify buying direct to a bunch of total strangers? I hope to be an owner soon and I'll absolutely be buying Resale. To me, the money saved will FAR outweigh any current or future advantage to buying direct. Heck, the savings alone will pay for my airfare to Orlando for many years to come.
Anyway, enjoy your DVC experience and congrats!
Well spoken.
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Old 01-24-2013, 08:06 PM   #12
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Resale here too. Going to use it for the first time in July and can't wait!

The OP is free to do with their money as they feel. There are always markets for every budget. I could have done direct with cash, but even with the restrictions, we didn't feel it was a wise use of OUR money. Your money is your issue and in the end, if many years from now you get some special benefit that I don't bc you paid more, well this is America and that's the way it is. But I know that my paid for old Chevy truck drives on the same roads as the noted-out Lexus next to me and we can get to the same places.

Disney can restrict their contract perks to a point. But there will be a threshold where it will be counter productive for them. If I as a prospective direct buyer is going to purchase something for many years in the future, yet--should something in my life change and I can no longer support this purchase--I would think twice about buying if Disney choked out any resale opportunity. By Disney limiting too deep where there is no benefit in a secondary market, your "investment" becomes a liability.

And as for your red-flag? Who knows? but all I can say is that we booked out first resale DVC vacation for 11 nights during peak times in July, at BLT, 7 months out (we own OKW) with nothing more then a hearty, "welcome home" from the reservation agent.

Best of luck with your purchase. I hope you enjoy it well beyond the sticker price....and that goes for all of us.
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Old 01-24-2013, 09:05 PM   #13
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Quote:
Originally Posted by ELMC View Post
I appreciate your wanting to welcome a fellow DVC owner and reinforce his positive feelings from his purchase. That being said, this is a "no pixie dust" zone and I feel like we are doing people a disservice by continuing the salespeople's jobs of making (recent) direct buyers feel good about their purchases. As I've said before, I have nothing against direct purchases or people who buy direct. And the truth of the matter is that until about two years ago, the gap between direct and resale prices was narrow enough that it was a difficult decision to make. In one of the other threads a poster referred to a VGC contract that she purchased at $88 a point direct. How many of us wouldn't want that contract now?

That being said, something has happened to the DVC market that has changed the landscape significantly. Direct prices are now double or more the prices of resale. To the OP, I am glad that you are pleased with your purchase and I wish you the best of luck. But in my opinion you simply threw $80 per point out the window for no apparent reason. As long as DVC "guides" (can we please stop calling them that?) continue to cloud the truth, we are not going to see any meaningful changes in the way DVD does business. In my opinion, paying $165 a point for BLT direct is the equivalent of lighting your money on fire. I try to see all points of view, and I am truly sorry that I cannot see the other point of view on this, despite my concerted efforts to do so. Someone, anyone, please tell me what I'm missing. Until that happens, however, I will continue to bang the resale drum and try to inform as many people as possible about the differences between resale and direct (or lack thereof). I'm not trying to argue, I'm just trying to help. And in my opinion, DVC SALESPEOPLE are about six months away from being completely indistinguishable from the folks over at Wyndham.
I typically enjoy your posts and agree with a lot of your opinions, I have to say I completely disagree with you on this. To say that by greeting fellow DVC that buy direct is a disservice is wrong. It's not our place to go that far. We can offer advice but we all need to leave it at that. It's their money and they are free to spend it as they want. I think it's ridiculous to buy a Louis Vuitton but I don't belittle those who buy them or those that sell them.

Let them enjoy their purchase and welcome them home.
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Old 01-24-2013, 11:16 PM   #14
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We too purchased Direct in 2009. I say "WELCOME HOME!!" to all regardless how you got there.


** however I do not agree with Disney's (DVD?) policy to not allow resale members to take part in a Member's Cruise. I have written them about this and hope it will one day be a rule of the past. Direct vs resale is a persomal decision but benefits Disney either way. How is the resale member doing a disservice to Disney if their contract has passed ROFR? It is stupid and is not fair to the membership, IMO (sorry had to rant). Therefore I will never participate in a member's cruise that has this stipulation.
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Old 01-24-2013, 11:26 PM   #15
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Originally Posted by DizBub View Post
Really???

I would appreicate it if you would not try to interpret anything else I may say in a public forum.
It's a very sad day when someone such as yourself tries to make someone merely being friendly and welcoming defensive.

Have a nice day.
Originally I hesitated to use your post as the jumping off point for my comments, and in hindsight I should have capitalized on that hesitation and not done it. I apologize if you feel I was trying to interpret your comments or if I made you feel defensive in any way. That was not my intent at all.

With regards to direct purchases in today's marketplace, I stand by my comments because they reflect how I honestly feel. I will concede that tying my opinions to your post was not the best way to make my point and for that I apologize.



Quote:
Originally Posted by Illini Al View Post
OP, congrats on your purchase! Although I agree with most of what ELMC said, all that counts is that you're happy. I'm sensing, though, that you feel a bit guilty about buying direct. Why else would you create a long post to justify buying direct to a bunch of total strangers? I hope to be an owner soon and I'll absolutely be buying Resale. To me, the money saved will FAR outweigh any current or future advantage to buying direct. Heck, the savings alone will pay for my airfare to Orlando for many years to come.
Anyway, enjoy your DVC experience and congrats!
Ok, so I'm not completely alone. But the point still stands, perhaps I did not present my opinions in the most effective manner.


Quote:
Originally Posted by bakenatj View Post
I typically enjoy your posts and agree with a lot of your opinions, I have to say I completely disagree with you on this. To say that by greeting fellow DVC that buy direct is a disservice is wrong. It's not our place to go that far. We can offer advice but we all need to leave it at that. It's their money and they are free to spend it as they want. I think it's ridiculous to buy a Louis Vuitton but I don't belittle those who buy them or those that sell them.

Let them enjoy their purchase and welcome them home.
Again, more evidence of the fact that connecting my thoughts to DizBub's post was not a good idea. Thank you also for taking the time to disagree. As I said before, I am usually able to hover in the middle of most issues, but this is one topic where I cannot. And, as such, I am unfamiliar with the counterargument so I appreciate your presenting an opposing point of view. Certainly I am not suggesting that we should shun, be rude to, ignore or otherwise mistreat people who buy direct. But it seems as if the way I presented my opinions may have caused some confusion in the point I was trying to make.

Please know that the point of my position is not to make people feel foolish, guilty, or regretful about the decisions they have made. But you have to understand that I make offers on a LOT of DVC contracts. More times than I can count, sellers are asking way above market rates for contracts that they have to sell and will not be able to because of their high loan balances. It's a terrible position to be in. So if my warnings about buying direct can help even one person avoid being in this situation, I think it is worth having some people disagree with me. That was my thinking in suggesting that we as a community need to give a little more warning and a little less cheerleading. I completely understand that I'm in the minority in this case, and I'm willing to accept that. Just please realize that it comes from a position of trying to help, not hurt. In the future, I will try to phrase my comments in a way that more accurately reflect my intentions. Thanks for reading and sorry for diverting the flow of this thread.
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