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Old 02-24-2013, 06:03 PM   #16
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I am debating buying into DVC. We have rented for the past two years but wonder if it would be more cost effective to just buy. Our only hesitation is whether we would use Disney as our kids get older. We really love to cruise too. Our 3 year old begs us every day to take him back to DW! Decisions decisions!!
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Old 02-25-2013, 09:51 PM   #17
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I'm with you. Buy because you want to be a part of the vacation club and, if the opportunity arises, rent it if you need to. This is so overwhelming, it feels like starting your own timeshare business!! Good luck to you all, but I'm in the Disney Vacation Club for me and my family to enjoy.
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Old 02-25-2013, 09:55 PM   #18
Earning My Ears
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Once you start your kids on Disney, they tend to love it for the rest of their lives. At least that has been our experience. We started taking our kids there when our daughter was almost three and our son was just about to turn one. They are now 19 and 17 and love Disney more than ever. I know that even when they are out of the house and on their own, if they hear that Dad and I are going to Disney, they will want to come. The funny thing is that the cruise is the trip that my 19 year old did not want to go on the last time we went because she felt like at that age, there was no place for her. She couldn't hang with the rest of the teenagers because she is over 18 and she didn't want to hang with the adults. I think she'll change her mind when she's gets a little older. It's been my experience - once a Disney fan, always a Disney fan! Good luck!
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Old 02-27-2013, 12:56 PM   #19
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Originally Posted by DisneyFansInLINY View Post
I think that it might work out for you why, (please note that I am no mathematician lol): Your initial costs are estimated at $25,000. Your estimated maintenance fees are $4576.36 but that price increases each year. You would rent 400 points each year at $12 per point. Most of those contracts are good for 29 years so I used 29 years as the maximum number of years you would be able to rent 400 points. So I multipied $4576.36 (maintenance fees) by 29 and came up with $132714.44. And then I multipied $4800 (rental income) by 29 and came up with $139200.00. Now take the initial costs of $25,000 plus $132714.44 (maintenance fees over 29 years) minus your rental income of $139200.00 (based on 29 years) and you have spent $18,514.44. Your maintenance fees as of right now, without having added any points on, for 29 years would be $60,552.80. So now if you do all of those add ons and rent points, you would have more points and saved over $42,038.36. I took $60,552.80 minus $18,514.44. However, these fees are all based on 2013 and assuming that you would be able to sell 400 points every year at $12 per point.
You forgot the lost opportunity cost. If you had taken that $25000 and invested it at 4% for 29 years, you would gain approximately $54000. So, your total cost would be $54000 + $18514.44 = $72514.44.
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