OK, here's the deal with DVC. If you can say YES to all of these questions (or at least most), then DVC is right for you and what in the world are you waiting for???
1)
Do you plan to travel to WDW, Hawaii, DL, Hilton Head or Vero Beach at least every 3 years, preferably every 1-2 years?
These are the DVC resorts (yes, you can go to over 500+ places in the world, but you get your most value by staying with in DVC).
2)
Can you afford the initial cost and the annual dues? A "full share" (approx 165 points) will cost about $17K or so. You can finance this or pay in whole.
You can also purchase via Resale companies (not thru Disney and there are reputable companies) and then you can purchase either less points and/or cheaper points. You can't buy into BLT but all the others are up for sale. This may be a good way to go, esp if you just want to get a small contract (i.e., 50 pts) to try it out. You can always add on points later.
DVC is a much better deal if you can pay for it outright and not borrow $ to pay for it.
Annual dues are fees that you pay yearly to cover the maintenance/upgrade costs of your resort. They are so much per point. Each resort is different. Animal Kingdom is one of the highest since their resort is more complex with animals and all. BLT is one of the lowest since they don't have much land (it's a high-rise which is easier to maintain).
Long-term: If you use all your points each year for the life of the contract (50 years, approx), then the cost of your DVC vacations would come out to like $500-800/for a week for a 1br and about $200-400/week for a studio (NOTE: This is a really, really rough estimate and you should do the math yourself ... don't rely on me and my numbers...it's just a ballpark calculation!)
Now remember this is for a DELUXE room that normally would sell for $250-800 a NIGHT!
The first trip we took was a 2BR at BCV...I went on-line and saw that our stay would have cost us over $3000...right there was 1/6th of our initial investment. Then our 2nd trip the cash rate would have been $1800...so in just 3-4 more trips, DVC would have already paid for itself. (Now I never would normally have paid the rack rate so it may not be a good true comparison, but I like to think of it that way).
3) Can you plan your vacations in advance? pref 11 months, but generally before 7 months? (Although it is possible to get ressies for less than 7 months -- I did! -- you may have very limited availability.)
4) Can you organize and plan your points? Someone will need to keep track of your points so you don't let them expire. Points are good for one year, although you can "bank" and "borrow" your points into another year.
Example: You buy 50 points at SSR in 2008 and don't use them in '08 but bank them into 2009. In 2009 you get another 50 pts. You also take 50 pts from your 2010 allotment. Now you have 150 pts and can vacation in 2009.
5) Are you uncomfortable in a value resort and perhaps even a moderate resort? Do you want or need a Deluxe resort with all their amenities? Do you need more room for future kids, relatives and friends?
A 1br, although it costs more points than a studio, has a full kitchen, a washer/dryer, whirlpool tub, king size bed, 2 tvs, 2 rooms (main room and bedroom).
A studio is slightly bigger than a moderate room but has a kitchenette (microwave, refrigerator, toaster, dishes, etc)
Then there are 2BR and Grand Villa (3 br) options as well.
6) Can you afford to go to WDW more often? This may seem silly but you have to consider driving, flights, taxi, rental cars, food, tickets, souvenirs, tipping, etc.
Although it is really nice to know you don't have to pay for a room ever again, you do have a lot more costs.
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OK that should be enough to make you go
. Let me know what specific questions you have.
If you do take the tour or buy, tell them that I helped your out/sent you!! Sometimes they offer existing members a small gift card for helping out.
Slacker or no slacker I'm glad you are here
yeah he looked that way pretty much our whole trip last year.
gladly! Come on down to Disney with us 
) but we can at least get the information 
What is your "home" resort? I forget!
Great start Carla! 
In Disney and want to go home, are you a crazy woman? Do you need drugs? And if so, what kind?
