I do not regret one minute buying my
DVC. I liked the idea of pre-paying for my Disney Vacation. The way I looked at it was- I am addicted and I WILL be going back.
I figured the hotel rates were going to be going up so if I could lock in now, I should. Our house just was paid off, so we took the plunge and bought. We did not take the Disney financing because we could get a better interest rate here. Now the only fluctuation we have to worry about is for our maintenance fee; not only does the fee fluctuate, but the exchange rate too. I buy Canada Savings bonds every year and I allot one thousand for my maintenance fee(even though it has never been that high), and I pay it once a year in January on my credut card to get the Air Miles and then pay off the balance.
The other thing I did was open a US account and every time I have a couple of dollars ie. insurance refunds, rebates, etc. I throw it in the account so that the exchange rate is a little less painful. I use the money for our meals, tickets, etc. I was also doing beenz and last year collected $100.00 US on my beenz card and I bought Disney Dollars; although I heard Beenz was going belly up so I will have to find another reward program. Every little bit helps with my addiction!
And finally as you know Quebec is a distinct society, so we were obliged to buy in Florida. I am not sure what the rules would be in Nova Scotia. If I can be of any more help, let me know.
Louise
