CCV Direct or More Resale (CCV or SSR)

[Chili327]

I dont see them or not even sure they can take away the 014 from resale, that will always make resale worth it to me at half off or more of direct. If they did that we would probably be grandfathered in.

We definitely would be grandfathered in.

 

[Brian Noble]

if we can't get someone like this to purchase more direct points, how can we make direct even more enticing over resale?

If the follow the road that nearly every other timeshare developer has trod, it's pretty obvious: A tiered recognition program.

 

[Sandisw]

I dont see them or not even sure they can take away the 014 from resale, that will always make resale worth it to me at half off or more of direct. If they did that we would probably be grandfathered in.

They also dont want to make it so undesirable that people would be afraid in case they ever have to sale or just abandon the product all together. The only thing I can see them doing is continuing ridiculous fees to buy resale (CAF can still be negotiated as of now) or providing more appealing direct incentives (some kind of tiered loyalty program?) And even then I dont think thats worth having more points. Having more points is always the best in my book which can be acquired thru resale.

For me its just getting enough direct to be able to enjoy these new resorts comfortably mixed in with the older ones. 14 is a lot to choose from Buying resale.

Just to help explain this more. The trading via BVTC is based on each home resort and how its DVC Resort is structured.

It entered BVTC with those rules. The O14 all entered with the same rules…all owners could trade regardless of how they buy.

When RIV was built, it entered with different rules. It only allows direct points to exchange in and blocks resale in exchange from blocking its resale owners for trading out

Because of a specific line in the O14 resort agreements that said BVTC would only allow DVc resorts in with substantially similar agreements, they grandfathered all owners before RIV…and then updated to remove that requirement just to ensure those who bought prior were not impacted.

So, other than new resorts, they can’t go back and change the rules for the O14 to trade amongst themselves.

 

[Girlstar30]

Just to help explain this more. The trading via BVTC is based on each home resort and how its DVC Resort is structured.

It entered BVTC with those rules. The O14 all entered with the same rules…all owners could trade regardless of how they buy.

When RIV was built, it entered with different rules. It only allows direct points to exchange in and blocks resale in exchange from blocking its resale owners for trading out

Because of a specific line in the O14 resort agreements that said BVTC would only allow DVc resorts in with substantially similar agreements, they grandfathered all owners before RIV…and then updated to remove that requirement just to ensure those who bought prior were not impacted.

So, other than new resorts, they can’t go back and change the rules for the O14 to trade amongst themselves.

Thanks for the clarification!

 

[Steelers0854]

We owned 100 resale at CCV, bought 150 direct at poly a year ago and just did 150 direct at CCV. We are in a whole other level than you are lol, but just adding some context. A couple of thoughts.

We cant predict the future, but Disney has made it clear they are going full thermonuclear war on resale. While nothing could change over time, or everything could change over time, one thing is for sure, direct points will always get you the best options compared to resale at any point in time. You can also bet that it will never be cheaper than it is now to buy direct at DVC. Barring the unusual “flash sale” it seems to me the costs will only incrementally get more and more expensive. So I am trying to future proof myself as much as I can financially. I am not trying to min/max my purchase, im trying to ensure that I can enjoy my ownership 20 or 30 years from now as much as I do today. Why save $8,000 now if in a few years I hate my purchase because I cant do what I want with it. Buying in direct to right that wrong may cost me just as much or even more.

You also don’t elude to how old you are, but 2042 will be here before you know it and there will be a pretty big seismic shift in DVC then. I plan on actively using my points well into the 2050s (hopefully) and I want to be in a good place for whatever comes when that day hits.

So, my vote is, if you can financially afford to do it, you love the resort you are buying at, then i say pull the trigger and add the points direct at CCV since I don’t know when we will ever see an opportunity like this at a resort with great theming, a good point charts, and an exceptional expiration date.

 

[airjay75]

We owned 100 resale at CCV, bought 150 direct at poly a year ago and just did 150 direct at CCV. We are in a whole other level than you are lol, but just adding some context. A couple of thoughts.

We cant predict the future, but Disney has made it clear they are going full thermonuclear war on resale. While nothing could change over time, or everything could change over time, one thing is for sure, direct points will always get you the best options compared to resale at any point in time. You can also bet that it will never be cheaper than it is now to buy direct at DVC. Barring the unusual “flash sale” it seems to me the costs will only incrementally get more and more expensive. So I am trying to future proof myself as much as I can financially. I am not trying to min/max my purchase, im trying to ensure that I can enjoy my ownership 20 or 30 years from now as much as I do today. Why save $8,000 now if in a few years I hate my purchase because I cant do what I want with it. Buying in direct to right that wrong may cost me just as much or even more.

You also don’t elude to how old you are, but 2042 will be here before you know it and there will be a pretty big seismic shift in DVC then. I plan on actively using my points well into the 2050s (hopefully) and I want to be in a good place for whatever comes when that day hits.

So, my vote is, if you can financially afford to do it, you love the resort you are buying at, then i say pull the trigger and add the points direct at CCV since I don’t know when we will ever see an opportunity like this at a resort with great theming, a good point charts, and an exceptional expiration date.

I really appreciate those thoughts. I think that's where I was at up until a few days ago. Reading your words does give me some pause to think about things over the next few days. I think it is exactly the thinking that got me to where I am with my RIV direct points. I guess the question is, do I need more direct points? I think I'm still leaning no, but I'm not completely there yet.

FWIW, I'm 44, DW is 40, kids are 4 and 7. No more kids coming, so family size is set. I suppose, in 2042, I'll be about 60 and, yeah, definitely hope to be using these points into the 2050s.

 

[JaqGus1620]

Or…. hear me out here…. KEEP your resale CCV…..

Commissions, estoppel, resale fee… cheaper to keep her…

. . . that thought absolutely crossed my mind! lol

 

[JaqGus1620]

Unless you are getting some great incentives I would be keeping those as they can be used as the ultimate SAP as they are unrestricted and even currently selling properties won’t be as cheap. Now if value length of contract or need more home advantage at CCV or somewhere else I can understand but in the short term I would certainly play with them. 125 SSR can go a long way at CFW while using your CCV exclusively there for example.

Thanks! I will definitely think about keeping SSR points-we have so many more points than we can use and it would just be easier to sell. I suppose I could always learn how to rent them out. Like you said, maybe I just need to learn how to play with these points.

 

[airjay75]

And, wouldn't you know it, the new flash sale is SSR. It's like DVD looked at where I was staying and said, hey, let's tempt him by both CCV and SSR!

Trying to resist the urge to e-mail my guide and ask for the SSR direct pricing.

 

[MonorailCoral]

You also don’t elude to how old you are, but 2042 will be here before you know it and there will be a pretty big seismic shift in DVC then. I plan on actively using my points well into the 2050s (hopefully) and I want to be in a good place for whatever comes when that day hits.

This is why I am happy my resale (other than BLT) ends in 2042. I know what I am getting with DVC as it is, and have employed the same "future proofing" strategy for whatever DVC 2.0 is. Unfortunately, I agree, its going to change.

 

[Carouselofplanning]

Tax implications, less flexibility with possible no refunds, no ability to stalk, chance of owners not meeting their dvc obligations and cancellation occurring, future crackdown of commercial renting, not being able to sell your points for your desired amount on time for your booking, issues when checking in (happened to me as a renter), dealing with flaky renters or brokers paying as low as $14 pp, not being paid the total cost upfront to be able to book a reservation without coming out of pocket, the high cost of one and two bedrooms to rent, all need to be considered when taking this route.

I used to be in the all resale mindset and just rent too until all of this just completely turned me off. Plus no direct perks not having any direct points. Resale is great, but I wouldnt want to rely on renting points every year to be able to stay at a restricted resort. Plans change, things happen, flexibility of booking and cancelling to me is worth some direct.

(You didn’t have direct perks (blue card stuff) when you fell in love with Disney)

Just saying.

The rest of it is fair. Renting is inflexible and can get messy. Unlikely but it’s possible. Which is why I think using a strong broker is important. They can step in and make it right. Good luck getting that from the dude on Facebook you venmoed.

 

[Girlstar30]

(You didn’t have direct perks when you fell in love with Disney)

Just saying.

The rest of it is fair. Renting is inflexible and get messy. Unlikely but it’s possible.

No i didnt have direct perks and i was happy to be resale, but highly irritated being blocked out of things. I was resale for a year and it was long enough for me to really decide I wanted to be direct. Trust me I drove myself crazy with the back and forth wondering if it was worth it

One big factor was staying at the unrestricted resorts and how renting to me was not a good option every year to do this for the reasons listed above.

Nobody wanted to outsmart Disney more than me with their decision to block out resale and I even used otup to book three nights in blocked out studios like riv by calling MS.

But I was tired of always trying to find ways around things I wanted to do. And yes renting has already created a mess for me in many ways.

On my tax returns, It was reported under my name only by the rental store when my wife and I are both listed on the deed. It was a headache to get corrected and im worried about next year because we sold way more points this year. To be fair, this error was partly my fault, but again something i dont want to think about and deal with every year.

I had to cancel a rented reservation once and felt forced to use rental points when i was already a member and stuck with no refund.

I just dont want to deal with all that, but for anyone that does more power to them, but they should know all these things, for me it doesnt compare. I also couldnt do digital key to get into my room because they messed up and put my best friend as the lead guest. I like that im free to book any resort with a click of a button now on my own terms.

Now I have no regrets, but I still do think that having more resale points is worth more than direct overall now that im in. Im just a huge disney fan so the perks were a must. But im a huge resale fan too. I will probably by some more direct to keep going to these new resorts hassle free but 75% of my points (or more) will probably be resale all the way!

 

[airjay75]

Would I be crazy to sell all 350 of my resale CCV points and buy direct SSR (at $150/point)? Yes, I would, right? Right?

 

[AstroBlasters]

Would I be crazy to sell all 350 of my resale CCV points and buy direct SSR (at $150/point)? Yes, I would, right? Right?

View attachment 1046873

Depending on how the Saratoga Springs sale goes, I would anticipate ROFR‘s increasing for Saratoga

 

[Carouselofplanning]

Depending on how the Saratoga Springs sale goes, I would anticipate ROFR‘s increasing for Saratoga

Good point.

 

[intamin]

Would I be crazy to sell all 350 of my resale CCV points and buy direct SSR (at $150/point)? Yes, I would, right? Right?

View attachment 1046873

Did the CCV home resort priority ever mean anything to you? Or was it purely resale SAP

 

[ark101]

Would I be crazy to sell all 350 of my resale CCV points and buy direct SSR (at $150/point)? Yes, I would, right? Right?

CCV Resale - home priority today and especially after 2042
SSR Direct - ability to trade into future resorts especially after 2042

Not really crazy but the reasoning will be mostly for future proofing and not sure if you want to think about that today?
Another unknown is the real ability to trade in to the resort you want in future. For e.g. I am hoping paying for the A frames at LSL using my direct points elsewhere will be possible but who knows.

 

[airjay75]

Did the CCV home resort priority ever mean anything to you? Or was it purely resale SAP

Yes. I viewed it as SAP+. I think we would greatly enjoy CCV during the holidays - most likely travel time would be Thanksgiving week. I doubt we will travel in early December much while kids are in school. I also think we will eventually grow into 2 BR villas as a family, and I think it would be nice to have home resort priority for those.

That said, our most frequent travel time is going to be the week leading up to Easter because that week is always our spring break. And, because that week is so point heavy and because not everyone has spring break that week, 7-month availability does not matter quite as much. I think we will be frequent travelers in June as well while the kids are in school.

 

[intamin]

Yes. I viewed it as SAP+. I think we would greatly enjoy CCV during the holidays - most likely travel time would be Thanksgiving week. I doubt we will travel in early December much while kids are in school. I also think we will eventually grow into 2 BR villas as a family, and I think it would be nice to have home resort priority for those.

That said, our most frequent travel time is going to be the week leading up to Easter because that week is always our spring break. And, because that week is so point heavy and because not everyone has spring break that week, 7-month availability does not matter quite as much. I think we will be frequent travelers in June as well while the kids are in school.

I guess the question is the added price, decreased years, paying commission and loss of useful home resort priority worth unrestricted access at 7 months. I'm not biased

 

[airjay75]

I guess the question is the added price, decreased years, paying commission and loss of useful home resort priority worth unrestricted access at 7 months. I'm not biased

If I sell my CCV for $135/point, my estimated cost for a full swap, 350 resale CCV points for 350 direct SSR points, is about $6,100. If I really want to get aggressive, I could rent out some of the points before selling, and probably get pretty close to a $0 cost to swap the points. Would probably have to hold onto the resale contracts a little longer before selling to rent them out.

But, none of that really gets at the core of my problem here. What points do I want for the long-term? When you buy direct, even at the O14 (other than PVB), the "drive off the lot" depreciation is significant. So, you sort of need to make sure that's what you really want. Way easier to change your mind on a resale contract, especially if you were able to get a pretty good deal on it.