CCV Direct or More Resale (CCV or SSR)

[airjay75]

Remember if you sell contracts there’s now a CAF. And it’s $500. For now. 50 pointers may go down in value the higher that fee goes. Maybe break up contracts in slightly bigger chunks?

Yeah, I think that's a reason not too hedge too much here. Site sponsor still seems to think smaller contracts will fetch a premium and, with just a $500 CAF, I think they probably will continue do so for now. But, who knows what the CAF will be in 10, 15, 20 years.

 

[LittleBitGoofy]

Made me laugh . I think I'm off of SSR (at least for the moment). You just don't get anything for SSR points other than a cheaper buy in price. And, WL is clearly a much more incredible resort. I think SSR is perfectly fine, and will enjoy staying there, but it just is not the same as CCV and WL.

Very good point. SSR is great for value points if you don't care where, but CCV is worth the premium!

 

[PlutoNotPlanet]

I already own 600 direct RIV points. I own 350 resale CCV points. If I buy direct CCV points, it would probably be 300, and I'd probably offload one of my resale (1x150 and 1x200). So, I'd end up with either 1,150 or 1,200 points total.

I would say resale CCV same UY for convenience. Only if you will book 7-mo rather than 11-mo and cost is a major concern, I will go with SSR resale

 

[eticketplease]

Man, I am all over the place. @Girlstar30 - I say this in the most loving way possible, I feel like I am rivaling you for how many times I am thinking about changing my mind .

Trust me you and @Girlstar30 are far from alone about changing your minds.

I think next trip I'm going to have to pick up a new binder but instead of for all of the pressed pennies and medallions DS collects instead for the contracts acquired along with the ones I ended up passing on.

DVCforless needs a 800 number for add-on-itus addictions

 

[Girlstar30]

Man, I am all over the place. @Girlstar30 - I say this in the most loving way possible, I feel like I am rivaling you for how many times I am thinking about changing my mind .

I woke up thinking, ok, SSR really doesn't make sense. You just don't get anything from SSR points. You can almost always stay at SSR with other points. The only real reason to own there is for a cheaper way to acquire points. Sure, I like SSR and wouldn't be unhappy staying there. But, I can probably say goodbye to 2 BRs at CCV most of the time. And holiday stays at CCV. And WL is a much more incredible resort than SSR - it just is, IMO.

I also keep trying to tell myself, direct points don't get me anything I don't already have. But, then there is that little voice in my head that says . . . "for now." And, then the FOMO kicks in. What if I regret not jumping on this while the opportunity is here? CCV has a fantastic points chart. It's the last of the O14 and, thus, has the longest contract life. The theming is incredible. The more I think back to my recent stay, the more I am remembering just how great the theming was. I think I do look forward to sharing the resort with my family for years to come.

But, all of that can be accomplished with resale CCV. I don't have to have direct CCV points for that. Then, I wander over to dvcforless.com, and see how much it would be to pick up some more resale points if I wanted to. I see the listings, look at the CAF, think about the haggling and resale process, and think, for about $10,000 more (per 150 points), I can just call my guide up this Saturday and, boom, it's done. No, $10,000 isn't nothing, but the contract has 42 years left on it - it's not so much when spread out over all those years.

Of course, I also give a little bit of a thought to the fact that "sold-out" pricing of CCV is $155. This incentive with this sale is $24/point. So, I suppose if I end up regretting passing this up, that's about $3,600 (per 150 points) more to purchase at full "sold-out" pricing. TBH, if I take the extra cash I'd be spending to get direct, just keep it invested, that amount of money can be made pretty quickly - OTOH, DVD will likely raise that "sold-out" price at some point, and that means less years of use out of those points, so then I'm back to the notion that the cheapest time to buy, if I want to do it, is today.

I also think, well, if I end up regretting buying more direct points, what would be the best way to hedge. Maybe only buy 150 points during this flash sale instead of the 300 I was initially thinking. Or, maybe break the points up into smaller contracts for ease of resale. If I get 150, should I do 3x50, 2x75, or 1x100 and 1x50? If I get 300, should I do 2x150, 4x75, or 2x100 and 2x50? Then I'm over on the site sponsor looking at their opinions of value on the differing sizes of contracts, but who knows whether that trend will be true 10-20 years from now. So, why spend the extra money to break up the points for some theoretical potential future value. Just don't buy a single 300 point contract, and it's probably fine.

Ok, thanks for reading my mental mind dump. I welcome any thoughts, advice, or words of wisdom. Can't promise I'll listen, but I really appreciate hearing other people's thoughts.

Thats okay I am unapologetic about my crazy and everyone has been really supportive But the more rational people than me feel like this because $150 a point for direct isnt something ive seen before in my year of being DVC. Its as cheap as let's say poly resale. And yes SSR isnt Poly resale, but it gets you in there and everywhere else.

And for me, well I have the time to stalk whatever I want. And someone more price sensitive like me or for you that already has a lot of points and wants more direct, this does have reasons for us to be excited, we're not crazy. Tbh if it were just up to me and no voices of reason I would have just bought SSR im sure But I think its a little easier for me to pump the brakes because this is my first and only direct contract maybe forever. Do I really want it to expire in 28 years??

I have zero regrets buying SSR resale. Perhaps that changes in the future with restricted resorts, perhaps it doesnt. But I can probably sell that for more than I paid for right now already so I rest easy on that one. The hit on SSR direct is substantial.

I stayed at wl during the holidays in a one bedroom for 5 nights that I booked 3 weeks before. Im staying at aulani booking 3 weeks before too. Thats where my confidence in SSR comes from. But to me im a lifelong disney fan and I dont want this to end before all my other contracts. For you that has kids who hopefully love Disney, maybe you regret not getting something different down the line.

I know theres a lot of SSR haters, but if you did get it I would be haply for you, jealous and think it was an awesome move. Its not like youre paying $200 pp for it. Mayb it could be one of your last to go contracts so you dont take a hit.

I know im going to want more direct down the line and if an opportunity like this presents itself later after im already established with my direct and resale i may take it just to stay at the newer resorts and one bedrooms.

I know this doesn't help make your decision buy just some thoughts, I dont think you can go wrong either way. I personally wouldnt buy the ccv direct, I dont think you NEED more direct and ccv resale is unrestricted. I just cam support the SSR because its cheap and more rare for a price like this to come around

 

[juliebee]

I know im going to want more direct down the line and if an opportunity like this presents itself later after im already established with my direct and resale i may take it just to stay at the newer resorts and one bedrooms.

This is where I'm at too... I think direct SSR could be a supplement to direct points if I need more SAP, but for me, I want my direct foundation to be where I'm actually planning to stay. The SSR offer was briefly entertaining for me as I am older than most of you all. I'm unlikely to be traveling when SSR expires. So if this offer comes back in a year or two, I may look harder at it.

 

[MonorailCoral]

Man, I am all over the place. @Girlstar30 - I say this in the most loving way possible, I feel like I am rivaling you for how many times I am thinking about changing my mind .

I woke up thinking, ok, SSR really doesn't make sense. You just don't get anything from SSR points. You can almost always stay at SSR with other points. The only real reason to own there is for a cheaper way to acquire points. Sure, I like SSR and wouldn't be unhappy staying there. But, I can probably say goodbye to 2 BRs at CCV most of the time. And holiday stays at CCV. And WL is a much more incredible resort than SSR - it just is, IMO.

I also keep trying to tell myself, direct points don't get me anything I don't already have. But, then there is that little voice in my head that says . . . "for now." And, then the FOMO kicks in. What if I regret not jumping on this while the opportunity is here? CCV has a fantastic points chart. It's the last of the O14 and, thus, has the longest contract life. The theming is incredible. The more I think back to my recent stay, the more I am remembering just how great the theming was. I think I do look forward to sharing the resort with my family for years to come.

But, all of that can be accomplished with resale CCV. I don't have to have direct CCV points for that. Then, I wander over to dvcforless.com, and see how much it would be to pick up some more resale points if I wanted to. I see the listings, look at the CAF, think about the haggling and resale process, and think, for about $10,000 more (per 150 points), I can just call my guide up this Saturday and, boom, it's done. No, $10,000 isn't nothing, but the contract has 42 years left on it - it's not so much when spread out over all those years.

Of course, I also give a little bit of a thought to the fact that "sold-out" pricing of CCV is $155. This incentive with this sale is $24/point. So, I suppose if I end up regretting passing this up, that's about $3,600 (per 150 points) more to purchase at full "sold-out" pricing. TBH, if I take the extra cash I'd be spending to get direct, just keep it invested, that amount of money can be made pretty quickly - OTOH, DVD will likely raise that "sold-out" price at some point, and that means less years of use out of those points, so then I'm back to the notion that the cheapest time to buy, if I want to do it, is today.

I also think, well, if I end up regretting buying more direct points, what would be the best way to hedge. Maybe only buy 150 points during this flash sale instead of the 300 I was initially thinking. Or, maybe break the points up into smaller contracts for ease of resale. If I get 150, should I do 3x50, 2x75, or 1x100 and 1x50? If I get 300, should I do 2x150, 4x75, or 2x100 and 2x50? Then I'm over on the site sponsor looking at their opinions of value on the differing sizes of contracts, but who knows whether that trend will be true 10-20 years from now. So, why spend the extra money to break up the points for some theoretical potential future value. Just don't buy a single 300 point contract, and it's probably fine.

Ok, thanks for reading my mental mind dump. I welcome any thoughts, advice, or words of wisdom. Can't promise I'll listen, but I really appreciate hearing other people's thoughts.

Here is my take for what its worth (people are going to have varying opinions here, so please don't take this as discounting anyone elses).

I will never buy SSR (unless its a true fire sale which this cycle, while good, is not imo). There is no need for 11 months at SSR, and there are too many other options to buy direct where home resort priority will matter. While SSR is a great resort, I simply don't want to stay there enough to own it. I am a big believer in own where you want to stay. You are buying more certainty by doing that.

Last year sometime, Disney had SSR or OKW, forget which, on sale where if you bought a large amount of points (1k), it was close to $100 for direct. That is a lot of Cabin/Bungalow use and I can see the appeal in doing that, but that is not the case this cycle with this sale. Instead, it seems like you want more direct points, but I don't believe anyone should buy direct for the sake of buying direct.

Wait until a direct resort you want to buy is on sale is my advice, then jump in. If SSR is a resort you truly want to own, and you are comparing buying there to another resort you also want to own, but is more expensive, then SSR is the play at this price. But don't just buy SSR because its direct.

 

[Girlstar30]

Trust me you and @Girlstar30 are far from alone about changing your minds.

I think next trip I'm going to have to pick up a new binder but instead of for all of the pressed pennies and medallions DS collects instead for the contracts acquired along with the ones I ended up passing on.

DVCforless needs a 800 number for add-on-itus addictions

My guide hasnt called me yet, its not too late for me

 

[airjay75]

My guide hasnt called me yet, its not too late for me

I absolutely don’t want to give you more reason to waiver on your decision, but given how you have described your booking habits, I don’t think ditching VDH for SSR is crazy. But, given you’re a DLR local, that VDH is pretty difficult at the 7-month mark, and that VDH is an actively selling resort with pretty good incentives, I don’t think I’d advise abandoning it for SSR.

 

[Girlstar30]

I absolutely don’t want to give you more reason to waiver on your decision, but given how you have described your booking habits, I don’t think ditching VDH for SSR is crazy. But, given you’re a DLR local, that VDH is pretty difficult at the 7-month mark, and that VDH is an actively selling resort with pretty good incentives, I don’t think I’d advise abandoning it for SSR.

Im not haha I just decided im signing no matter what thoughts come into my head.

I know SSR at this price in the future would probably be good for me. If it still has 25 years or more and they offer a sale like this in a couple of years, I will MAYBE take it. I am not a fan of short contracts at my age which is why I wont buy bwv resale even though I love the resort.

Another major issue I see is many of these future resorts im trying to future proofing against havent been built or repurposed yet. BWV is the big one for me and 16 years later when its probably restricted that SSR contract is dwindling.

That is something for us to think about too!

 

[Carouselofplanning]

The only other piece of the direct v resale argument for “future proofing” your purchase that doesn’t get talked about enough is point chart inflation. You buy what works for you based upon where you want to stay, room type and trip length. And then Riviera’s chart comes out and it’s clear you don’t have enough points to stay as long as you’d like to. So now what? You have unrestricted points but they don’t get you a whole vacation at the new place. And you can bet the chart at Lakeshore will be worse (“but the lazy river!”). I can only imagine this board the day that chart comes out lol. So whatever you think you need to future proof your vacations, you probably need more direct than you think you do, which drives the cost of the whole proposition up to another level.

Unless you’re good with O14…..

 

[melissa70]

The only other piece of the direct v resale argument for “future proofing” your purchase that doesn’t get talked about enough is point chart inflation. You buy what works for you based upon where you want to stay, room type and trip length. And then Riviera’s chart comes out and it’s clear you don’t have enough points to stay as long as you’d like to. So now what? You have unrestricted points but they don’t get you a whole vacation at the new place. And you can bet the chart at Lakeshore will be worse (“but the lazy river!”). I can only imagine this board the day that chart comes out lol. So whatever you think you need to future proof your vacations, you probably need more direct than you think you do, which drives the cost of the whole proposition up to another level.

Unless you’re good with O14…..

This is the part where I feel like I need a DVC psychiatrist. Are the O14 good enough ? And at my age, what do I really have time for?

 

[Disney Spaz]

I stand where I did before, I would never purchase SSR despite the cost because I do not want to ever risk being stuck there and that is how my family and I would view it, being stuck. I would happily stay at all three of my home resorts for an extended period of time because we love the feel of those resorts. If CCV is where you enjoy being and you want the option of washing those resale points I say lock in the incentives you have now.

Think of it like options on a car. Do you need the heated seats, no? But if you live where the winters get cold will you be mad at yourself for not paying the extra to get them when it is 20 degrees outside? I know silly analogy but I think it is a decent one.

Either way please keep us updated about what you choose to do.

 

[airjay75]

Well, I've got until Saturday to tell my guide whether I'm pulling the trigger. Had a quick chat with her this afternoon.

At this moment, I think I'm back in the FOMO camp and am thinking I will pull the trigger on 300 direct CCV points. I'm thinking I will sell my 150 point resale contract and keep my 200 point resale contract. That gives me 500 CCV points, which are enough for a 2 BR during the highest points season with a little left over. (And, since our spring break is always the week leading up to Easter, that is unfortunately the week I have to think about for ideal number of points.)

Everytime I look at another potential resale contract, I just can't help but think, well, but for this much more, I could get unrestricted points. Yes, it's a big premium to pay, but if you think you're in this for the long run, it is arguably worth it. It's not a slam dunk by any means, but it is certainly is a hedge against the future and whatever more surprises DVD has for us to further devalue resale.

Welcome more thoughts from anyone. Tell me I'm crazy. Tell me I'm a genius. You won't offend me.

Assuming my current mindset remains, I would welcome thoughts on how you'd break up a 300 point direct CCV purchase. I currently own 600 RIV points (2x150, 2x100, and 2x50) and 350 resale CCV points (1x150, 1x200). Likely selling the 1x150 CCV contract if I do this. With the new $500 CAF, and the uncertainty over whether small point contracts will fetch a premium, I'm not sure there is much point to going to something more than 2x150. Maybe 2x100 and 2x50? Maybe 3x100? I can see some arguments for either of those, but I'm not sure I find them a lot more advantageous than just 2x150.

 

[VGCgroupie]

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.

No problem. Oh no on a delayed flight, that’s never fun. Glad it wasn’t cancelled. Although SSR may have been available if you had to go back!

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.

It’s been several days now so I’m going read some more and see where your head is at now.

 

[airjay75]

No problem. Oh no on a delayed flight, that’s never fun. Glad it wasn’t cancelled. Although SSR may have been available if you had to go back!

It’s been several days now so I’m going read some more and see where your head is at now.

If you have time, I would love your thoughts. I'm not telling my guide yes (or no) until Saturday.

 

[VGCgroupie]

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

Still reading…. This isn’t not a great turn… let’s hope you are taking the other turn at the fork in the road!

 

[cruisehopeful]

@airjay75 I think 300 direct at CCV is the right call. It's easy to get caught up in the nickel and dime discount points, but I think going with what you know will work is right. Direct points keep getting more valuable as DVC creates new programs (MMB) and new resorts. Who knows what they will do in 5 years or more. If you can afford direct, direct is the way to go and selling some resale is a good choice.

As far as splitting up the contract, I think small contracts will always be in demand, even with the $500 fee.

 

[Disney.dad]

I think with the CAF of 500 I would think about any transfers you may do to family someday for how many ways you may divide it. Personally I would never recommend over the 200 points in 1 contract and I don’t like over 150 in 1 to think about selling. Now we have gotten some sweet resale deals in the 200-350 point range. I would probably do 100-100-100 or all 75s on 100-100-50-50 as alternatives. 150-100-50 also works.

 

[VGCgroupie]

Well.. this is a first. I don’t have a full solid opinion here. I do know that I don’t see value in owning SSR over CCV for many reasons.

Where I am stuck with my opinion is flipping CCV resale for CCV direct. 600 direct points are a lot of unrestricted points. I just don’t know if more are really needed in the short term. Just like how this SSR incentive came along others will too. What if there is a fire sale on something in the future and all you have to sell off is direct points?

So if it’s CCV vs SSR direct, CCV all day long. But I’m going to say I’m not sure CCV direct right now is the best idea, while not terrible just not the best.