CCV Direct or More Resale (CCV or SSR)

[VGCgroupie]

Haven’t read any responses only your initial post. My take is this with a question at the end.

As with most things in life. SSR is cheap for a reason. I don’t think buying a home resort without knowing how it will affect you during park stays is a good idea. It could be relaxing for a last day but to get to every single park? No. Even committing to taking that money saved and taking a Minnie Van all the time doesn’t make it easy. Minnie Vans can often be a long wait and when busy the price skyrockets.

I think you might be right that CCV won’t have an incentive anytime soon again. And that is simply due to LSL going on sale. But nobody knows that for sure.

There will be more resorts after LSL so looking at it as LSL/CFW/VDH as the only restricted resorts you couldn’t stay at is short sighted.

You are swapping so does that mean you don’t need more points right now? If you are comfortable with your current point status I might hang tight and see what the future brings to DVC, it will certainly bring more opportunities to own and incentives to be had.

 

[AstroBlasters]

is it OK to vote to just use the points you have for a while and wait till we actually hit one of these bigger recessions and then load up on what you want for cheap? It’s never really a question of if, but when…..

 

[Girlstar30]

If it were me id go with the SSR resale. Call me crazy but ive been throwing out low ball offers and someone said they'd sell their SSR for $85 pp and pay 2026 mf. That pretty good, not as good as the $82 i paid, but close. I didnt go for it because I am thinking about adding 50 more vdh points during this new incentive period, but tempting

 

[airjay75]

Haven’t read any responses only your initial post. My take is this with a question at the end.

As with most things in life. SSR is cheap for a reason. I don’t think buying a home resort without knowing how it will affect you during park stays is a good idea. It could be relaxing for a last day but to get to every single park? No. Even committing to taking that money saved and taking a Minnie Van all the time doesn’t make it easy. Minnie Vans can often be a long wait and when busy the price skyrockets.

I think you might be right that CCV won’t have an incentive anytime soon again. And that is simply due to LSL going on sale. But nobody knows that for sure.

There will be more resorts after LSL so looking at it as LSL/CFW/VDH as the only restricted resorts you couldn’t stay at is short sighted.

You are swapping so does that mean you don’t need more points right now? If you are comfortable with your current point status I might hang tight and see what the future brings to DVC, it will certainly bring more opportunities to own and incentives to be had.

Thanks so much for your thoughts, especially considering I know how late it is after your HS day. I wish I were asleep but, alas, I am on a plane that was delayed 4 hours! Just glad it wasn't cancelled at this point.

Yeah, I think you're right about SSR and others have pointed that out too. I enjoyed our one night stay, but would I really be targeting SSR for future stays? And, even if I am, it is so easy to get into there at the 7-month mark, hard to see the point of owning there right now.

I think I ultimately am pretty ok with the number of points I have right now. I'm sure I could find a way to use some more, but I wouldn't say I need them. That probably leans in favor of doing nothing right now.

 

[airjay75]

is it OK to vote to just use the points you have for a while and wait till we actually hit one of these bigger recessions and then load up on what you want for cheap? It’s never really a question of if, but when…..

Not a terrible idea at all. Another reason to forego direct right now.

 

[airjay75]

If it were me id go with the SSR resale. Call me crazy but ive been throwing out low ball offers and someone said they'd sell their SSR for $85 pp and pay 2026 mf. That pretty good, not as good as the $82 i paid, but close. I didnt go for it because I am thinking about adding 50 more vdh points during this new incentive period, but tempting

I am tempted to do something like that on SSR. That said, I just ran the numbers again - if you assume you can get CCV for $120/point and SSR for $80/point (both of which are price points that I would say are considered pretty good deals), CCV still beats SSR on a cost per point per year basis (setting aside any time value of money from the $40/point that could have been invested). CCV's slightly lower dues and significantly longer contract make it really hard to beat.

 

[Girlstar30]

I am tempted to do something like that on SSR. That said, I just ran the numbers again - if you assume you can get CCV for $120/point and SSR for $80/point (both of which are price points that I would say are considered pretty good deals), CCV still beats SSR on a cost per point per year basis (setting aside any time value of money from the $40/point that could have been invested). CCV's slightly lower dues and significantly longer contract make it really hard to beat.

I do wish SSRs contract was longer and that gives me pause too especially now that I have a super long vdh contract. Part of me is like but yeah right am I really gunna have this contract until im in my 80s and need something to supplement that lol. But I am a lifelong disney fan. I think ill be mid 70s when SSR expires so it doesnt fully stop me, its a long time. The low upfront price is very appealing to me. CCV SSR VDH Poly and Aul will def be in the next resale running for me. VDH and Poly upfront cost will probably get axed for resale for me.

 

[eticketplease]

I am tempted to do something like that on SSR. That said, I just ran the numbers again - if you assume you can get CCV for $120/point and SSR for $80/point (both of which are price points that I would say are considered pretty good deals), CCV still beats SSR on a cost per point per year basis (setting aside any time value of money from the $40/point that could have been invested). CCV's slightly lower dues and significantly longer contract make it really hard to beat.

Wow, how many napkins did this take to calculate

 

[LittleBitGoofy]

That's a tough one and I get the dilemma having just gone through it.

We already had 350 resale ccv to cover cabins or gv stays for 3-4 nights. I was tempted to wash a lot of those but the upfront holding costs while waiting to use the current UY points was more than I wanted to do for a majority wash. Instead we got 150 direct ccv with the sale and may unload a 100 pt resale in a later year if we have too many.

My desire to get the direct contract was it's my favorite resort and I wanted long term flexibility. Who knows what we will want or need to 10/20/30+ years. But I wanted the flexibility to possibly keep blue card without having to keep our VGF contracts in parallel.

And with ccv being so long term, who knows what other rugs dvc will pull down the road. So again flexibility hedging for the unknown.

We may love LSL too and now I can use these there without having to buy resale restricted points there.

You may have enough ccv resale to already do exactly what you want there and could easily pass on this. Maybe it'll come around again in a few years. But if you want to add a layer of flexibility on it for another 40 years, this seems a prime opportunity.

 

[Brian Noble]

Alight, I need help.

Reading what you've written, I do not see a compelling argument that you need more annual points. I certainly do not see an argument that you need more direct points.

You are just leaving WDW and its pixie-dust fueled high. The come down is hard. Don't chase the high now.

 

[Carouselofplanning]

Saratoga points are good for people looking to just get into DVC for low cost. They are simply points that get you in the game. If you really enjoy using your DVC and can navigate the rules/advance planning required then “upgrading” from there is the move.

For you, you can stay there with any of the points you have and/or will buy. It’s a resort you can snag at 7 months no problem. Yeah, some weeks are harder but only once you get inside 4 months out. In other words, don’t buy Saratoga for priority.

Now, on the other hand I’m also of the mind that paying a premium at some resorts for “priority” are a waste of money when even those owners can get shut out at 11 months and have a short deed (ie. Beach Club).

If you feel you need more points, buy resale where you’d value having actionable priority and/or booking power to get bigger rooms or book longer stays at 11 months. You have direct benefits so you’re not chasing that anymore. If you like CCV just buy resale there. Even with a direct “deal” is it a deal if it offers you little to no benefit? Now you’ll have an Epcot home base and a true MK home base. And plenty of points to use at 7 months at all of the other resorts when you feel like mixing things up.

And like you said you don’t really “need” points at the moment so you can be very picky on hunting for a great deal.

And I’m like you in that I think Saratoga is a great resort with a lot of things going for it from the Disney Springs proximity to the golf to the relaxing vibe a well landscaped campus layout offers to the great refurb. Its availability doesn’t come from it not being nice, it comes from there being so much of it. There’s no scarcity there.

 

[eticketplease]

Saratoga points are good for people looking to just get into DVC for low cost. They are simply points that get you in the game.

Mostly true but for people who enjoy 1 bedrooms they are a very valuable resource to one's portfolio. Yes you don't get the length of contract as CCV but the dues are decent and the buy in price is low. SSR as we all know really doesn't require home resort priority but if your main goal is to switch to a 1 bedroom at 7 months this doesn't matter anyway with only a handful of one bedrooms gone before the 7 month window opens.

 

[airjay75]

Instead we got 150 direct ccv with the sale and may unload a 100 pt resale in a later year if we have too many.

Yeah, I have thought about this too. The price tag on 150 is a lot easier to stomach than 200 or 300. About an $11,000 cost to wash by my math. If you're certain about keeping these points for the long-term and want them to be maximally flexible, I think it's a go. I could just go for 150 direct CCV and wash just 150 of my resale CCV points (or keep both if I decided I need more points).

 

[airjay75]

Reading what you've written, I do not see a compelling argument that you need more annual points. I certainly do not see an argument that you need more direct points.

You are just leaving WDW and its pixie-dust fueled high. The come down is hard. Don't chase the high now.

Yeah, as you told me before, potential future benefits of more direct points than I currently own is a tomorrow problem. Don't solve today for a problem that does not yet exist.

And, I also don't need more points right now. So, no real tangible benefits to washing my resale points combined with no need for more points at this moment means I should probably pump the brakes.

 

[airjay75]

In other words, don’t buy Saratoga for priority.

for people who enjoy 1 bedrooms they are a very valuable resource to one's portfolio.

Yeah, I'm with you both. Since we are likely a 1 BR family on most trips for at least the next few years, I could see the benefits of SSR as an inexpensive way to temporarily increase total points. Of course, gotta have a reason for those extra points, and I have yet to be able to explain that to myself.

 

[Brian Noble]

we are likely a 1 BR family on most trips for at least the next few years

The problem with this is that you get used to villas. I can barely tolerate a studio when it is just me!

 

[Girlstar30]

Mostly true but for people who enjoy 1 bedrooms they are a very valuable resource to one's portfolio. Yes you don't get the length of contract as CCV but the dues are decent and the buy in price is low. SSR as we all know really doesn't require home resort priority but if your main goal is to switch to a 1 bedroom at 7 months this doesn't matter anyway with only a handful of one bedrooms gone before the 7 month window opens.

This and if youre a last minute booker like me (I have never booked at 7 months let alone 11) home resort priority doesn't really matter)

 

[AstroBlasters]

Yeah, I'm with you both. Since we are likely a 1 BR family on most trips for at least the next few years, I could see the benefits of SSR as an inexpensive way to temporarily increase total points. Of course, gotta have a reason for those extra points, and I have yet to be able to explain that to myself.

Sir… please step away from the aggregators…. put your device on the ground and back away slowly…. slowly….

 

[Instagramhusband]

I have been having the same thought exercise now having finally bought direct with Disney at a resort I love to stay. SSR is an attractive contract( have 2 myself).

 

[AstroBlasters]

I’ve got to say it seems like a lot of the people on these board who start complaint threads about availability and commercial renters and everything else seem to be people who are trying to use them as sleep around points.

Given the gargantuan size of points from Lakeside Lodge about to be added to the pool… I’d be wary of buying points for predominantly SAP unless I lived locally in FL and was truly just booking a night here or there and never planned to book more than 7m out.