Before I sign, here's everything I think I have learned from this board so far.

RivGirl

Mouseketeer
Joined
Jan 15, 2025
Messages
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Hi all. I'm a many months lurker who finally made a bona fide account here last week, and intends to make a direct purchase of 300 points at Riviera - tomorrow. I wanted to list all the things I think I have learned from you - tell me if I'm missing something big!

1. First and foremost, my husband and I are viewing this as a toy, not an investment. (Or as I like to say, "an investment in fun.")
2. I am fully aware of the resale restrictions on Riviera.
3. We go to Disney at least once every year, and my husband and I genuinely love it. It's not just a "when our kids are young" thing for us. (Our kids are 10 and 13 right now.)
4. We can plan our vacations 11 months in advance.
5. We know that the only thing guaranteed for the life of the contract is our lodging, any other direct benefits are gravy. We also don't get mad mad when things at Disney-at-large change (eg. LLMP and that sort of ongoing evolution)
6. We have considered the cost of dues over the life of the contract.
7. We looked at resale vs direct from many different angles, including a mixture of both to start. But we want Riviera, and we want this many unrestricted points from the get go. (One stay at the Riviera is what sent my lifelong love of Disney into hyperdrive and 15 months later I've made a screen name in full tribute, so...yeah. It's gotta be Riviera.)
8. Number of points: I've seen differing views on this here and elsewhere. 300 is a number that will get us at least a 1BR (family of four), Preferred, during Spring break (travel period 6), for 5 nights which is our usual length of stay - with 40+ points left over. So it's technically more than we need (which I've seen some people advise against), but it also leaves wiggle room for playing around with the points, which is important to me. I don't want to purchase and have immediate addonitis. (I know, some of you will tell me it's coming for me no matter what I purchase at the start!) (And I believe you. 😏)
9. We are not financing, but we are using credit cards (and paying them back immediately) to maximize rewards bonuses and miles.
10. We are taking advantage of Magical Beginnings and the Dream It Forward referral credit.
11. I understand how Use Year works, home booking window, points charts, points in holding, etc.
12. We are planning to sign tomorrow (Feb 3) and use the 10 day window to redraw if Feb 11 incentives somehow turn out to be on our side even after the $10/pt price increase (and our guide knows that this is the plan).
13. We have stayed on rental points twice (with another rented visit coming up next month), so we have experienced and know what to expect with DVC lodgings, housekeeping, etc.
Edited to add #14: We are breaking it up into two 150 pt contracts.

Anything else...? I know there's many more bits of DVC wisdom I have gleaned from you all so far, but I think this sums up what is most important to know and consider before purchasing, yeah?
 
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Good plan! I would go smaller myself, or consider nonstandard breaks (like 100+200 or 125+175) but you can argue either way! With two kids, same size breaks make sense.
Well…we have two kids, so I want it to be even. I also want it to be easy to sell some and retain 150 for direct benefits. (Although fortune willing, we have no intention to sell! But I know…life happens…)

I considered 4x75 but that seemed excessive even for risk averse folk like us. It seems like the extra closing costs wouldn’t be worth it compared to what we might gain in a smaller point sale per point. But I’ll admit I didn’t look at the math on that with a magnifying glass.
 
Well…we have two kids, so I want it to be even. I also want it to be easy to sell some and retain 150 for direct benefits. (Although fortune willing, we have no intention to sell! But I know…life happens…)

I considered 4x75 but that seemed excessive even for risk averse folk like us. It seems like the extra closing costs wouldn’t be worth it compared to what we might gain in a smaller point sale per point. But I’ll admit I didn’t look at the math on that with a magnifying glass.
Unless you already have a contract, I think the minimum as a new member is 100
 
Well…we have two kids, so I want it to be even. I also want it to be easy to sell some and retain 150 for direct benefits. (Although fortune willing, we have no intention to sell! But I know…life happens…)

I considered 4x75 but that seemed excessive even for risk averse folk like us. It seems like the extra closing costs wouldn’t be worth it compared to what we might gain in a smaller point sale per point. But I’ll admit I didn’t look at the math on that with a magnifying glass.
I would break it up into as many small contracts as possible. It will make it more flexible for you and your beneficiaries in the future.

Also, you can waive title insurance when buying direct from Disney. That will help offset some of the cost.
 
I would break it up into as many small contracts as possible. It will make it more flexible for you and your beneficiaries in the future.

Also, you can waive title insurance when buying direct from Disney. That will help offset some of the cost.
Oooh interesting. Thanks. Waiving the title insurance isn’t something I had come across before.

Any other votes here for waiving title insurance on direct? I found a thread with mixed opinions. My head tells me it’s really okay to waive it…
 
What use year are you getting? There's a big difference between getting February, which is already in 2025 so no 2024 points and March or later, which will come with 2024 & 2025 points. Especially since you're doing Magical Beginnings.
 
Congrats. I'm getting a little deja-vu. When we initially bought into DVC, it was at RIV, October UY, and about 300 points (fixed weeks gave it an odd number). Almost 4 years later, I'm embarrassed to say how much more we've added on, but I keep telling my DW it is planning for retirement and I'm retiring sooner than later.

I assume you know it is much more expensive to stay in a 1BR vs a studio; roughly 2X points? I've enjoyed our stays at RIV studios, and have enjoyed indulging in a 1BR there once. I know it is easier to stay in a studio when it is just DW & me, but many families do 4 in a studio.

If you stay in studios vs 1BR, you can stay twice as many nights, and then maybe justify the DVC Sorcerer Pass that you'll be eligible for? The AP may not make sense if you're staying once per year for less than a week. If not for DVC direct benefits, an out-of-state couple like us would only have the Incredipass as an AP option.

Oh, and with your kids 10 & 13, you'll probably be planning trips around your school calendar for the next 5-10 years? You aren't guaranteed availability even if you're booking exactly at 11 months. If you'll be reserving 1BRs, you'll probably have a much better chance of getting the dates you need at 11 months vs. studios.
 
I think with your Spring Break plans now that certainly works. This also gives you some flexibility in the future after kids are out of school for some Oct F&W, and the Thanksgiving and Christmas holidays that gives you plenty of time to plan for something else if your plans don’t work out
 
I assume you know it is much more expensive to stay in a 1BR vs a studio; roughly 2X points? I've enjoyed our stays at RIV studios, and have enjoyed indulging in a 1BR there once. I know it is easier to stay in a studio when it is just DW & me, but many families do 4 in a studio.
But but but…laundry 😁 I LOVE that washer and dryer in room…even for short trips. I’m one of those people who delights in going home with a suitcase full of clean clothes.

I also love having the dining table.

Oh, and with your kids 10 & 13, you'll probably be planning trips around your school calendar for the next 5-10 years? You aren't guaranteed availability even if you're booking exactly at 11 months. If you'll be reserving 1BRs, you'll probably have a much better chance of getting the dates you need at 11 months vs. studios.
For sure, this is another reason I have my sights set on 1BR. I do value ease…in booking and in general!
 
I think with your Spring Break plans now that certainly works. This also gives you some flexibility in the future after kids are out of school for some Oct F&W, and the Thanksgiving and Christmas holidays that gives you plenty of time to plan for something else if your plans don’t work out
Thanks for the validation! It took me a while to fully understand UY, and I went through a lot of booking scenarios in my head before I felt confident about October.
 















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