I don't have specific sites, price and contract specifics are my dividing lines. The best advice I can offer is to decide whether DVC will work for you then the home resort, UY and # of points you need. Once you get that investigate what it'll likely cost and set up parameters including price per point. Decide how you'll compare different contracts including UY and points accounting. Learn about closing costs and dues reimbursement. Normally one needs a 10-20% points cushion and it's often best to buy resale and add a 25 point retail purchase to give options. IMO all of these issues are FAR more important than simply price per point.
Talk to me more about dues reimbursement please. I have everything else figured out( I think) and we are already owners at Poly from a direct sale so I have my shiny blue membership card in hand(HA!)..I have also done a little research on what contracts have sold for recently, price wise and how many points were included. Thank you for responding to my posts. I can see my own evolution of thinking through these boards and am thankful to have you guys to ask questions to.
If the contract closes in earlier in the year or even in Dec, you'll be the one paying the dues for the new year full year. If points are missing, you might reimburse the owner for a portion of the dues they paid. Since dues are paid calendar year, not UY, you just need to figure out how many points you get to use in the calendar year.
IMO the standard and correct dues reimbursement is what you would pay if you are buying direct with one minor exception. Unfortunately the resale companies take the stance (incorrectly I might add) that if you get the points you pay the dues. I think this got started because that's the standard (appropriately) for the weeks systems and now they've backed themselves into a corner. DVC charges dues on a calendar year basis so if you have a June UY, this past Jan you paid dues for 5 months of the 2016 points and 7 months of the 2017 points. So the neutral reimbursement should be calculated the same. The exception is that DVC only charges you for the rest of the year even if you get all the points, IMO this is a sales incentive but the rest is NOT a sales incentive. So if buying Dec UY with all Dec 2017 points and no others, the neutral reimbursement is for 1 months of dues, not 12, so you'd be overpaying for 11/12 of the years dues in this example. But since most everyone does it incorrectly, just understand that and take it into account in your planning and your negotiations. The amount you overpay is additional price increase to the seller plain and simple. One can negotiate that component. If I were to buy resale again I'd likely add a clause that dues would be calculated as it would on a retail purchase rather than dealing with the reimbursement question ind dollars. Then if accepted, I'd get the reimbursement that is usually more favorable. And since that is reality, no one can argue it is wrong or inappropriate.
This is the main issue that loaded contracts are such a better deal than stripped ones. On a stripped one (or in between) you lose the points AND you overpay on dues. Almost always on a fully loaded contract you get at least some of the points with no additional fees and often quite a lot.
One just needs to look at the overall issue and take into account the lost dues on 5 months worth of 2018 points.
