Blue Card decision for Poly, Copper Creek, or VDH?

[Girlstar30]

Just booked a one bedroom for holidays at vdh for two nights for 86 points. Same one bedroom at vgc is 115 points. This is when vdh starts making sense financially

 

[Brian Noble]

Honestly would not split with your point # combo

I don't think I would either. We don't have a ton of experience with smaller-point deeds at restricted resorts, because none of them have been around long enough for many owners to get small add ons and turn around to sell them. We also don't really have any experience with the new $500 transfer fee, which someone has to pay for each transfer. That adds $10/pt to a 50 point contract but $3.34/pt to a 150 point one.

You might get a better resale price, maybe, but hopefully that's decades in the future.

 

[AstroBlasters]

Put me in the 3x50 camp.

At a point hungry resort there will always be someone wanting to add on a small contract they can pay cash for….. and it will be a lot cheaper than adding on direct.

 

[intamin]

I have decided on buying the Villas at the Disneyland Hotel, and didn’t even have to flip a coin! (I did come close to needing that coin toss though)

When I first started this thread I had almost ruled out VDH, and was pretty sure we would go with the Poly, so this was an unexpected choice for me. I appreciate all of the input here because the process of analyzing these 3 DVC resorts has led me to finding where I want to call home.

Here is why I choose VDH over Poly:

• I will not buy VDH on resale with how close the price point is with direct, and the restrictions on using those points only at VDH. Since I can’t use my other resale contracts there, it makes sense to buy at VDH. This one was the biggest factor for me. Direct Poly points could be used at VDH too, but I might want that 11 month booking window since we would likely plan further ahead flying cross country. Currently our Florida trips have all been under the 7 month mark since we are in driving distance.

Congrats! As above, no split. With the 500 dollar fee nowadays, it makes less sense to split sub 200 IMO. But especially since this is your first direct contract, you're not going to split up the 150 unless you're planning to give up the member extras. You could consider splitting up future direct purchases since you may or may not part with some of those down the line but the first you want to just keep it as 150.

I think what you did was smart, if I were staying in Florida, I would be buying VDH instead of Poly RN as well but as things are, we'll be back home in socal in a little over a year so our VDH/VGC trips will all be booked under 7 months out.

 

[airjay75]

I don't think I would personally split if this were my first and only direct contract - I'd just be thinking to myself that I plan to keep this for a very long time and who knows what resale value will be in 20-30 years and which size contracts will fetch the most. But, I can see splitting if you'd like the flexibility to sell off just some of it in the future. I also think given that DL guests tend to have shorter stays than WDW, I can see how smaller contacts will have more appeal at VDH than WDW resorts. So, if I were going to split, it would probably be 3x50.

 

[Wedgeout]

Splitting might come into play more if financing vs cash.

 

[Makai]

I think the only reason I would need to split the contract is for a backup plan that if annual dues became insanely high, I could sell off some points easier with 50 point contracts. But I would never want to lose my Blue Card perks, so would have to replace with more direct points, which may not save me anything with those rising base prices.

But then I also wonder if small contracts of 50 may lose some of that premium value if members decide against resale points for more direct points, as Disney continues adding more restrictions and builds new properties. I would consider buying direct points over resale of 50 points just to have more options once the 2042 resorts expire.

 

[VGCgroupie]

I think the only reason I would need to split the contract is for a backup plan that if annual dues became insanely high, I could sell off some points easier with 50 point contracts. But I would never want to lose my Blue Card perks, so would have to replace with more direct points, which may not save me anything with those rising base prices.

But then I also wonder if small contracts of 50 may lose some of that premium value if members decide against resale points for more direct points, as Disney continues adding more restrictions and builds new properties. I would consider buying direct points over resale of 50 points just to have more options once the 2042 resorts expire.

CA the cost is not as high to split as it is in FL Having an exit strategy or pair down strategy is smart imo, nobody knows what life holds. I think having the ability to sell some but not all of your points is well worth the minimal fees up front, and the fact that they will likely get more $ per point is just a bonus.

 

[intamin]

I think the only reason I would need to split the contract is for a backup plan that if annual dues became insanely high, I could sell off some points easier with 50 point contracts. But I would never want to lose my Blue Card perks, so would have to replace with more direct points, which may not save me anything with those rising base prices.

But then I also wonder if small contracts of 50 may lose some of that premium value if members decide against resale points for more direct points, as Disney continues adding more restrictions and builds new properties. I would consider buying direct points over resale of 50 points just to have more options once the 2042 resorts expire.

I don't know how you feel but if I were personally strapped for cash and it came down to me having to sell my DVC points, the resale points are first to go.

 

[Girlstar30]

My opinion is you dont know what the future holds. Its easy to say we will just keep this contract for 48 years because its our only direct contract with membership extras, but things change in 48 years, new hotels come up that you might want etc. Maybe youre over Disney

Its only $300 something to close a contract in California. Id rather pay that and have an easy offload.

The 50 point contracts are the ones that sell the fastest and get the most money, even on higher point charts. People can still stay a decent amount on duo studios with banking and borrowing at this hotel. 50 points allows you to offload a little bit and still have an okay amount of points and buy somewhere else.

Like let's say you keep 100 points down the line and blue card benefits are 200 points and youre interested in the new bcv. Well you only have to buy 100 points there and youre back at blue and with how the point charts will be, youre gunna need that 100 points regardless. People sell and buy new contracts all the time. All three resale contracts i bought are from people who bought directly from Disney and im sure never thought they'd want to sell.

I think a faster offload is even more important on a restricted resort, even tho im ofc bullish on vdh retaining a decent value because of the location

 

[AstroBlasters]

I don't know how you feel but if I were personally strapped for cash and it came down to me having to sell my DVC points, the resale points are first to go.

But if someone had to sell ALL of their points…. those 50 pointers would sell a lot more quickly and for more than 1 150pter.

 

[VGCgroupie]

But if someone had to sell ALL of their points…. those 50 pointers would sell a lot more quickly and for more than 1 150pter.

Agree. And I think with the time the $500 fee will just be seen as normal just like estoppel and closing costs always have been.

 

[Girlstar30]

Agree. And I think with the time the $500 fee will just be seen as normal just like estoppel and closing costs always have been.

Yeah people just entering the market now wont even know it wasnt there before, sometimes we see things only in the perspective of disboards people that know a lot

 

[Makai]

CA the cost is not as high to split as it is in FL Having an exit strategy or pair down strategy is smart imo, nobody knows what life holds. I think having the ability to sell some but not all of your points is well worth the minimal fees up front, and the fact that they will likely get more $ per point is just a bonus.

When I looked at splitting the contract at the Poly, my guide said it would be $250 extra per contract. I haven’t asked about VDH, but I do like having an exit strategy for my spouse, in case something happened to me. He is not the Disney enthusiast that I am, so I can imagine he would sell the Disneyland Hotel contract before the Aulani and Hilton Head (and I doubt he would care about the Blue Card loss). Also being in our fifties, it is smart to have that exit plan should anything happen.

 

[Girlstar30]

When I looked at splitting the contract at the Poly, my guide said it would be $250 extra per contract. I haven’t asked about VDH, but I do like having an exit strategy for my spouse, in case something happened to me. He is not the Disney enthusiast that I am, so I can imagine he would sell the Disneyland Hotel contract before the Aulani and Hilton Head (and I doubt he would care about the Blue Card loss). Also being in our fifties, it is smart to have that exit plan should anything happen.

Yes and the closing costs for poly are more than vdh. Vdh closing costs were like around $118 and then the $250 document prep fee for each contract. It came out to around the same cost as splitting poly in two so it was justified for me because I def would split into at least two regardless of where

 

[Makai]

I don't know how you feel but if I were personally strapped for cash and it came down to me having to sell my DVC points, the resale points are first to go.

Yeah I would sell Hilton Head first, but keep Aulani since it’s subsidized.

 

[intamin]

But if someone had to sell ALL of their points…. those 50 pointers would sell a lot more quickly and for more than 1 150pter.

Eh that may be so but I'd just argue if you need your money to really be liquid, then maybe renting would be the better option.

 

[VGCgroupie]

When I looked at splitting the contract at the Poly, my guide said it would be $250 extra per contract. I haven’t asked about VDH, but I do like having an exit strategy for my spouse, in case something happened to me. He is not the Disney enthusiast that I am, so I can imagine he would sell the Disneyland Hotel contract before the Aulani and Hilton Head (and I doubt he would care about the Blue Card loss). Also being in our fifties, it is smart to have that exit plan should anything happen.

The 250 is the same, but I think it's the closing part of it what is more in FL.

 

[Makai]

Welcome Home, Neighbor!

Thank you!

 

[Girlstar30]

The 250 is the same, but I think it's the closing part of it what is more in FL.

Yes this is correct