Blue Card/DVC-Y Question

[Cfabar1]

IMO, MB is overrated. We didn't end up doing it because we wanted the points.

We did it, and though it was nice to have $3000 or whatever it was,... I regret it now...

 

[eticketplease]

IMO, MB is overrated. We didn't end up doing it because we wanted the points.

If you aren’t planning a trip where the points weren’t needed it is a nice option especially if you are adding on right before your use year and sell those back to Disney.

 

[Brian Noble]

I am in @eticketplease's camp.

The primary value of points is in using them to book a DVC vacation, but I also think that MB offers a reasonable cash value for giving up the first year's worth of points. There are two situtations in which I think MB makes a lot of sense.

The first was the one I found myself in. I bought during the last month of use year X. I already had my "WDW vacation" booked for use year X+1 thanks to an Interval exchange. There wasn't any other compelling use for those timeshare assets. So, even if I banked the points from year X into year X+1, I would have to work hard to use them all, and was already planning to bank most of use year X+1 into X+2. I could have rented them, but MB is no work, and nets $20 minus whatever fraction of dues you owe for that year, in after tax dollars. Getting that same after tax return is work. It's easier if you don't file a Schedule E, but I'm not that guy.

The second situation in which I think MB makes sense is if it makes the difference between financing and not financing.

 

[Mouseforward]

If you aren’t planning a trip where the points weren’t needed it is a nice option especially if you are adding on right before your use year and sell those back to Disney.

This was me, many of us working folk have more points than vacation time. I could not have used the 2024 points in time.

 

[DanCali]

IMO, MB is overrated. We didn't end up doing it because we wanted the points.

The best argument I have as to why it's generally a good deal to take MB is that Disney didn't offer it in the first 3-4 of selling PIT even though they did for other resorts. They had enough buyers lined up at the opening prices and they felt they'd be worse off by offering MB for PIT at the time (even though they can probably rent out those points for a lot more than $20). They also don't offer it for the "sold out" resorts.

In fact, a salesperson tried to convince me that MB was a bad deal for the buyers (because I was looking at 100 points and was lamenting the lack of MB) by quoting a bunch of rack rates as a benchmark for what keeping the points was worth. So I suggested that if the points are worth that much, I'll still take the $20 and let DVD profit on the difference...

In the end, my goal as a buyer is to minimize the purchase cost. If I can save $20 by giving up a "fully loaded" contract for a "standard loaded" contract, I'd do it any day. In fact, I'd even give up the next 2 years of points for an extra $40 off... If they did that, you'd still get 40-45 years of usage and unrestricted points for the life of the contract for the price of resale! Giving up 2 years out of multiple decades seems like a small price to pay!

Maybe we should start a poll...

If you had the choice of Poly resale starting in 2025 or Poly developer staring in 2027 at the same price, which would you pick?