Adding on Resale

[AEA1127]

My husband and I bought direct VGF points with a Dec UY last year. Originally our plan had been to buy some more points down the road but depending on where resale prices head we may do this a bit sooner. Kind of torn on what the best plan would be. Would we be better off sticking with VGF with a Dec UY or would it make more sense to spread the UY out a bit and do a June UY at either VGF or even BLT for a second home?

If we have two home resorts I know we can bank VGF points and then borrow from BLT in order to have more points available at the 7 month booking window but I'm just not sure if there's more to think about. We're so new to DVC in general that I'm sure I'm missing something! I also want to keep in mind the current situation and the new borrowing rules. If this is likely to be a long term restriction then I don't know if we will be better off just sticking with Dec UY at VGF. If we do that our contracts will act as one, correct?

I hope my ramblings make sense! What would you do in this case? How do you use your resorts if you have more than one home resort? Would love to hear.

 

[Sandisw]

Two UYs are two different memberships. You can’t combine the points for a single reservation without a transfer, Once transferred, those points can only be used by calling MS, can only be current UY points, and can only be banked once transferred, but never borrowed,

Unless you have a reason for a different UY...to cover a different timeframe of travel...and want to use both on their own, I’d stay with one UY.

When they are both the same UY, at 7 months, if different resorts, you can book anywhere easily, If same resort, then at 11 months.

Right now, the borrowing policy has changed to only allowing 50% of the contract, No one knows how long this will be in play so keep that in mind!

 

[AEA1127]

Thank you @Sandisw ! I know it would be easier to just stay with VGF Dec UY but wanted to make sure it wasn't better for any reason to do something differently. We were comfortable with Dec when we bought because we know when the kids are school age we will have to do spring breaks and summer vacations (not August). At the moment we love the Fall even though that can be a riskier time to travel with Dec UY. We thought it would be ok since it would take a major reason to force us to cancel and we'd be ok losing points in that case. Clearly, we're learning other factors can come into play too though! Hoping for the best for our November trip (using 2018 points) at the moment.

Since VGF is so point heavy and not knowing the future of borrowing points, it seems smart to have more available VGF at 11 months and not need to borrow points in order to stay in larger room types. This will probably not be a restriction when we need 2 bedrooms but I suppose it's better to be safe than sorry!

If we stick with VGF Dec UY, then when we book online it will show us our two contracts and then we can choose which contract to use and which points to take first, right? Basically two contracts that for all intents and purposes work together as one?

 

[CarolMN]

.....(snip).........If we stick with VGF Dec UY, then when we book online it will show us our two contracts and then we can choose which contract to use and which points to take first, right? Basically two contracts that for all intents and purposes work together as one?

Yes, that's correct. I have two contracts at BWV, but just one membership. I can choose the order that I want the points taken for a particular reservation. I f I need points from both contracts to finish a reservation, the system will use all the points in the first contract I choose and then fill in from the other.

 

[AEA1127]

Thanks @CarolMN ! I thought that was how it worked but just wanted to make sure. Seems like it's pretty seamless if we go that route.

 

[disneydreamer1980]

We have 4 different contracts, 3 with the same UY, one different that we only bought because it was a good deal. It’s really annoying dealing with two different memberships, so unless it’s a great deal I’d just stick with same UY. Just my 2 cents.

 

[AEA1127]

@disneydreamer1980 I appreciate your opinion! I kind of figured as much but with everything going on right now I just wanted to be sure I covered all my bases and heard the pros & cons of every option.

Are your contracts at multiple resorts? If so, are you alternating between your resorts? My husband is a fan of the idea of BLT but I don't know if we're better off just swapping into a room there at 7 months if available.

 

[RhodyKP]

@disneydreamer1980 I appreciate your opinion! I kind of figured as much but with everything going on right now I just wanted to be sure I covered all my bases and heard the pros & cons of every option.

Are your contracts at multiple resorts? If so, are you alternating between your resorts? My husband is a fan of the idea of BLT but I don't know if we're better off just swapping into a room there at 7 months if available.

What about Boardwalk or Beach Club? Then you could have one home resort within walking distance (once the path opens) of Magic Kingdom and one within walking distance of Epcot and DHS.

 

[AEA1127]

I do really like Beach Club! I just don't love the earlier expiration date. My kids are 3 and under so we hope to use our contracts now but also later when/if our kids have families of their own. Just feels like not enough time left on a contract there considering how young our family is. Otherwise, I think I would be considering it as a second home since have a MK resort already.

ETA: Husband loves Wilderness Lodge and the rooms at Copper Creek but having a max of 4 people in a 1 bedroom there took it off our list and gives the edge to BLT if we choose a second home. We aren't sure if our family will be growing in the future!

 

[Lorana]

I do really like Beach Club! I just don't love the earlier expiration date. My kids are 3 and under so we hope to use our contracts now but also later when/if our kids have families of their own. Just feels like not enough time left on a contract there considering how young our family is. Otherwise, I think I would be considering it as a second home since have a MK resort already.

ETA: Husband loves Wilderness Lodge and the rooms at Copper Creek but having a max of 4 people in a 1 bedroom there took it off our list and gives the edge to BLT if we choose a second home. We aren't sure if our family will be growing in the future!

If you aren't certain of your future family size and don't necessarily want to be locked in to a lot of points in long contracts, you might consider a 2042 UY just so you have it while your kids are young and reduce the points once your kids are older. If by chance they have kids, you could always add on more points then. Just a thought. Admittedly, we love the Wilderness Lodge and own at BRV.

Another possibility if you love the theming of WL is AKL. It sleeps 5 in a 1BR and has the extra bathroom in Kidani. It also expires in 2057, and both direct and resale prices are pretty reasonable. No walking to a park, but I love the theme and nothing beats watching animals from our balcony for us.

We own at both WL-BRV and AKL, and are adding on at SSR for sleep-around-points and getting Treehouse Villas at peak times when desired. We plan on eventually add on a CCV before BRV expires, but are willing to wait for the right direct incentive (if they offer them when the office reopens) or perfect resale contract. We DO sometimes combine points at 7-months for larger accommodations, but usually we either use them for different stays (one trip at BRV, another at AKL) or split stays (part of the trip at BRV, part at AKL).

 

[disneydreamer1980]

@disneydreamer1980 I appreciate your opinion! I kind of figured as much but with everything going on right now I just wanted to be sure I covered all my bases and heard the pros & cons of every option.

Are your contracts at multiple resorts? If so, are you alternating between your resorts? My husband is a fan of the idea of BLT but I don't know if we're better off just swapping into a room there at 7 months if available.

My contracts are at OKW, SS, BWV and Poly. Been staying at Poly the last few years, but usually stay at BWV or OKW. Haven’t stayed at SS in years.