Am I missing something? Can't see how DVC wouldn't work..

[jodifla]

DVC changes your trips to Disney like a Corvette would change your drive to work.

 

[Fortywinks]

There is the time value of money which is basically that a dollar today is not the same as a dollar 50 years from now. MF also go up every year and usually more than inflation. Combine those two and your financial comparison is really apples to oranges.

Buying DVC direct is a very expensive route and is going to take a very long time before you break even.

While this is true, you also have to consider that room rates will trend upward as well. Point values for rooms will not. MF may or may not trend with inflation depending on the home resort. For SSR 10 yr period MF have been around 2.2%

 

[Dean]

While this is true, you also have to consider that room rates will trend upward as well. Point values for rooms will not. MF may or may not trend with inflation depending on the home resort. For SSR 10 yr period MF have been around 2.2%

It's actually true both ways. Dues will go up no matter what inflation does otherwise as was proven during the last turndown with timeshares in general. IMO the TMV discussion assumes you'd invest at least half in a long term investment that's likely to have a reasonable yield and if one is in an appropriate position to buy a timeshare, those dollars would be available to invest because they would have no consumer debt and have the cash to pay for it. I use 8% after taxes which I believe is conservative. The reason I say half is because I'm assuming at least part of those funds will be used for the lodging portion of vacations if DVC is not purchase. Certainly inflation would eat into part of that. But if one is comparing owning vs renting privately, which I believe is one of the better comparisons, room rates don't apply nearly as much, and rental prices haven't tracked other prices very well long term.