VGCgroupie
Im in this photo
- Joined
- May 29, 2017
- Messages
- 4,455
After many days of non stop research and math, going back and forth between resale vs direct, SSR vs AKV vs all the others we settled on CCV. Decided to start smallish at 100 points.
Originally wanted the cheapest PP. Then started weighing the cost PP direct and the ability to book new resorts, which is important to us since we mainly have always visited DL. (stayed recently at VDH and did not care for it). While the incentives made the direct enticing we decided it was just too much money to put up front especially since we have Disney Visa for some discounts. We know VGC will be nearly impossible to get but we will hope for the best.
Started watching tons of you tube videos, reading this forum... we were still at the let's do the cheapest PP except OKW. We were mainly looking at SSR and AKV. I actually put in an offer on SSR and AKV. Both were declined because I did go in very low basing it off the lowest PP Ive seen tracked here and the ROFR website.
After the declines I decided we needed to make a spreadsheet to see if these higher point resorts were worth it. (I had read a comment here about how buying a low initial PP at some resorts will end up costing the same) at first I couldn't wrap my head around that concept but once the spread sheet was made it made sense. The annual dues at AKV made the overall cost higher than other options. After watching you tube even though Ive never stayed there, I got my heart set on BWV or BCV but my husband was a hard no on 2042 resorts.
In the end we chose CCV, it gave us a lower cost per year and a good total cost til contract end date. While it's not my 1st choice of favorites the longer contract date and decent annual dues made it the right choice for us (hopefully). I did break one cardinal rule though.... UY. We for sure visit in April but we got a December UY. Now here's to hoping it passes ROFR because I am gambling hard that we can book something in August. I used us saving our hotel $ for August to put towards this contract as a major selling point to my husband... well and myself too.
Editing to add: here I am 23 days later and Im about ready to go under contract for VGC. While originally the price per point scared me for VGC I realize that its gonna work out much better for us and the price per over the life of the contract is only $1350, which will certainly be in the positive on vs cash pay. Our original 100 pts we bought we will use to go to WDW once a year or maybe even every other with a bank/ borrow scenario. I actually did some major math and digging to justify a direct purchase of VDH, including credit card incentives, ability to make payments and keep the money in bank account longer via credit card offers. While that got my numbers down significantly I honestly just do not like VDH and then paying the TOT is just insult to injury at that point. In the end I am still saving money going resale even though I bought the most expensive resort on the resale market. The only difference is I don't get direct benefits. For me the only sacrifice here would be Riviera stay options.
My best advice is read the threads here.. many of them. Take the time, it is SO worth it. I have learned so much. So much that I knew more about DVC than the guide I spoke to yesterday. I hung up with her called my husband and said the forums do a way better job at selling DVC than the people Disney pays! I can see why in the past when I have talked to a guide I was never sold, always walked away saying that is crazy money.. no way. Now here I am thinking I think I still want/need a tiny BWV contract.
Originally wanted the cheapest PP. Then started weighing the cost PP direct and the ability to book new resorts, which is important to us since we mainly have always visited DL. (stayed recently at VDH and did not care for it). While the incentives made the direct enticing we decided it was just too much money to put up front especially since we have Disney Visa for some discounts. We know VGC will be nearly impossible to get but we will hope for the best.
Started watching tons of you tube videos, reading this forum... we were still at the let's do the cheapest PP except OKW. We were mainly looking at SSR and AKV. I actually put in an offer on SSR and AKV. Both were declined because I did go in very low basing it off the lowest PP Ive seen tracked here and the ROFR website.
After the declines I decided we needed to make a spreadsheet to see if these higher point resorts were worth it. (I had read a comment here about how buying a low initial PP at some resorts will end up costing the same) at first I couldn't wrap my head around that concept but once the spread sheet was made it made sense. The annual dues at AKV made the overall cost higher than other options. After watching you tube even though Ive never stayed there, I got my heart set on BWV or BCV but my husband was a hard no on 2042 resorts.
In the end we chose CCV, it gave us a lower cost per year and a good total cost til contract end date. While it's not my 1st choice of favorites the longer contract date and decent annual dues made it the right choice for us (hopefully). I did break one cardinal rule though.... UY. We for sure visit in April but we got a December UY. Now here's to hoping it passes ROFR because I am gambling hard that we can book something in August. I used us saving our hotel $ for August to put towards this contract as a major selling point to my husband... well and myself too.
Editing to add: here I am 23 days later and Im about ready to go under contract for VGC. While originally the price per point scared me for VGC I realize that its gonna work out much better for us and the price per over the life of the contract is only $1350, which will certainly be in the positive on vs cash pay. Our original 100 pts we bought we will use to go to WDW once a year or maybe even every other with a bank/ borrow scenario. I actually did some major math and digging to justify a direct purchase of VDH, including credit card incentives, ability to make payments and keep the money in bank account longer via credit card offers. While that got my numbers down significantly I honestly just do not like VDH and then paying the TOT is just insult to injury at that point. In the end I am still saving money going resale even though I bought the most expensive resort on the resale market. The only difference is I don't get direct benefits. For me the only sacrifice here would be Riviera stay options.
My best advice is read the threads here.. many of them. Take the time, it is SO worth it. I have learned so much. So much that I knew more about DVC than the guide I spoke to yesterday. I hung up with her called my husband and said the forums do a way better job at selling DVC than the people Disney pays! I can see why in the past when I have talked to a guide I was never sold, always walked away saying that is crazy money.. no way. Now here I am thinking I think I still want/need a tiny BWV contract.
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