DVC direct pricing, how long does it take now to get ahead, or just break even?

[SL6827]

With Disney's horrific pricing of direct points at what close to $200 a point now, does it really make sense to buy direct with DVC? How long will an investment of such now take to recoup? I did not realize that the direct pricing of the Beach Club and the Poly was over $220, no clue. Does Disney really get to sell any of those points direct now? Is there a market for that high a price point? I guess if the direct price and the resale price are not that far apart, it might make sense,

 

[poofyo101]

With Disney's horrific pricing of direct points at what close to $200 a point now, does it really make sense to buy direct with DVC? How long will an investment of such now take to recoup? I did not realize that the direct pricing of the Beach Club and the Poly was over $220, no clue. Does Disney really get to sell any of those points direct now? Is there a market for that high a price point? I guess if the direct price and the resale price are not that far apart, it might make sense,

People do buy it direct from disney even at that price.
The more expensive resorts do not make much sense to buy from disney as its hard to make up the price difference in DVC annual pass discounts.
OKW, Saratoga, AK are a little bit better I believe.
The active resorts are the most justifiable to purchase direct IMO as the price and incentives are the best.
The best perk of buying direct is getting to book future new resorts.

 

[Sandisw]

All depends. I ended up getting my RIV for $165. 175 points. But I bought it and put my 3 adult kids on as owner.

They know all quality for discounted AP. My son is a family of 4 so even without my DDs, that is 5 APs a year.

Now, one of my DDs does work for DisneyTheater in NYC so she has her free pass, but at least if she leaves, she is eligible too,

All get the discounts for shopping and dining without me needing to be on the trip.

So, given that...it made it worth it!

 

[Cyberc1978]

All depends. I ended up getting my RIV for $165. 175 points. But I bought it and put my 3 adult kids on as owner.

They know all quality for discounted AP. My son is a family of 4 so even without my DDs, that is 5 APs a year.

Now, one of my DDs does work for DisneyTheater in NYC so she has her free pass, but at least if she leaves, she is eligible too,

All get the discounts for shopping and dining without me needing to be on the trip.

So, given that...it made it worth it!

Assuming that you owned one or more eligible contracts couldn't you just have added them to one/all of those in stead? - I know that if you really wanted to own RIV this was one way to do it.

Except if you own multiple contracts which are titled differently then I assume you need multiple logins to the member area as they won't show up on the same login (i'm guessing here)

 

[Sandisw]

Assuming that you owned one or more eligible contracts couldn't you just have added them to one/all of those in stead? - I know that if you really wanted to own RIV this was one way to do it.

Except if you own multiple contracts which are titled differently then I assume you need multiple logins to the member area as they won't show up on the same login (i'm guessing here)

Yes, I could have done that, but I sold BWV and bought RIV instead...my kids liked it and so did I. Since I made about $53/pt profit on my BWV, it really reduced my cost down! And, we went from 2042 contract to 2070! I went from 150 BWV, to 175 RIV...all said, it was about $8K ish out of pocket after the sale.

I also added them to my SSR contract....though that didn't have the perks...so that we could have both in my Aug UY....they are now the proud co-owners, courtesy of Mom and Dad...of 475 points. I still own 300 without their names.

So, honestly, in about 4 years, we will get that $8K back, and be sitting in good shape for them to have contracts that expire a lot longer!

 

[SL6827]

All depends. I ended up getting my RIV for $165. 175 points. But I bought it and put my 3 adult kids on as owner.

They know all quality for discounted AP. My son is a family of 4 so even without my DDs, that is 5 APs a year.

Now, one of my DDs does work for DisneyTheater in NYC so she has her free pass, but at least if she leaves, she is eligible too,

All get the discounts for shopping and dining without me needing to be on the trip.

So, given that...it made it worth it!

Nice. That is a very smart example about putting your three kids on as owner. Makes me wonder, what is the limit of the number of people that can be an owner on a contract.

 

[macman123]

I paid $235pp for 155 x BLT points to add to my 400 re-sale points.
The reason, I want to stay at RVA and any new resorts.
So that gives me 1 week per year in a 1BR preferred at the time of year I want to go......
Also handy I get the 'Blue Card' perks, which didn't really factor but a bonus.

Resale I paid around $135pp.......

 

[DougEMG]

Yes, I could have done that, but I sold BWV and bought RIV instead...my kids liked it and so did I. Since I made about $53/pt profit on my BWV, it really reduced my cost down! And, we went from 2042 contract to 2070! I went from 150 BWV, to 175 RIV...all said, it was about $8K ish out of pocket after the sale.

I also added them to my SSR contract....though that didn't have the perks...so that we could have both in my Aug UY....they are now the proud co-owners, courtesy of Mom and Dad...of 475 points. I still own 300 without their names.

So, honestly, in about 4 years, we will get that $8K back, and be sitting in good shape for them to have contracts that expire a lot longer!

Very nice...Has got me thinking!

 

[4luv2cdisney]

Nice. That is a very smart example about putting your three kids on as owner. Makes me wonder, what is the limit of the number of people that can be an owner on a contract.

There is a limit of 6 people per deed. There is a limit of 8 DVC AP purchases per household.

 

[Lorana]

There is a limit of 6 people per deed. There is a limit of 8 DVC AP purchases per household.

My kids are still teenagers, but just thinking ahead. If I had my boys on the contract, but let's say they were married with kids of their own but separate households/addresses, could my husband and I buy our APs, son #1 with spouse and 2 kids buy 4 APs, and son #2 with spouse and 2 kids buy 4 APs, for a total of 10 but across 3 households?

 

[SL6827]

Very nice...Has got me thinking!

I know, right. I had no idea that could be done.

 

[SL6827]

My kids are still teenagers, but just thinking ahead. If I had my boys on the contract, but let's say they were married with kids of their own but separate households/addresses, could my husband and I buy our APs, son #1 with spouse and 2 kids buy 4 APs, and son #2 with spouse and 2 kids buy 4 APs, for a total of 10 but across 3 households?

I don't know. If you could put six people per deed, and had six different households, with eight in each household, would that mean one deed could be used for 48 AP discounts? Now I know that is really beyond unrealistic but your scenario might not be.

 

[4luv2cdisney]

My kids are still teenagers, but just thinking ahead. If I had my boys on the contract, but let's say they were married with kids of their own but separate households/addresses, could my husband and I buy our APs, son #1 with spouse and 2 kids buy 4 APs, and son #2 with spouse and 2 kids buy 4 APs, for a total of 10 but across 3 households?

That is my understanding of the current policy.

It's so hard, because I try not to think too hard about 20 years from now, but DH and I both intend for our DVC to be for our whole family even long term. We're fairly new (2017) and our kids are already 22 and 18. When I purchased, it was a surprise for DH, so his name is not on the contract. My DD (now 22) and I are the only ones listed. My younger DD was not old enough, so I knew we'd have to modify the deed anyway. Started working on that, but never got very far! And we will just add points on as we go / need them. There was no way I was buying hundreds to start when we're getting by with a small BWV thanks to standard studios!!!!

 

[deedubb]

IMO, it does not make sense for the 2042 resorts like BCV. At the resale prices BCV is commanding, it barely makes sense for these short contracts. It is nice to have a blue card though, so I think it is worth it to buy 100 direct at some of the other resorts with longer expiry dates, but only you can decide if it is worthwhile for your particular situation.

 

[npatellye]

We ended up buying direct in December. I wanted to go with OKW but the difference between that and RIV at the time for 200 points was $1300 and RIV had 13 more years. With kids who were then 6 and 4, we opted for RIV and split into two contracts. It came out to under $175 a point (I think it was around $172-$173 per point after closing costs) plus I got credit card rewards on the purchase. For us, the AP discounts will make up the difference between direct and resale easily plus we will some day be able to give each girl her own small 100 point contract. So, for our situation, direct made sense.

We have many years of Disney trips ahead of us so a 2042 resort didn’t make sense for us at the direct prices. As much as I love MK, those prices also didn’t make sense for us.

 

[RaymOOOnd]

People buy now because of emotion.
Emotion in the right setting will do away with any considerations re: Math

 

[Lorana]

That is my understanding of the current policy.

It's so hard, because I try not to think too hard about 20 years from now, but DH and I both intend for our DVC to be for our whole family even long term. We're fairly new (2017) and our kids are already 22 and 18. When I purchased, it was a surprise for DH, so his name is not on the contract. My DD (now 22) and I are the only ones listed. My younger DD was not old enough, so I knew we'd have to modify the deed anyway. Started working on that, but never got very far! And we will just add points on as we go / need them. There was no way I was buying hundreds to start when we're getting by with a small BWV thanks to standard studios!!!!

I hear you about that! I’m currently debating taking advantage of the current direct offers, partly because - thinking ahead - we want to eventually add our kids to them so they can both use them AND get the direct benefits for them and their families. We expect to leave the contracts to them eventually, to use (or to sell) once we’re gone. So though I try not to think too much about the future, I do want to plan for it so I can leave them something for them to enjoy Disney. Admittedly who knows what DVC will look like after 2042!

 

[Lorana]

I don't know. If you could put six people per deed, and had six different households, with eight in each household, would that mean one deed could be used for 48 AP discounts? Now I know that is really beyond unrealistic but your scenario might not be.

This is one of the big reasons we want direct, both now and for the future. Now, as a family of 4, we save ~$2k on Gold Pass vs Platinum Pass (~$1500 if we renew every year), but as that family continues grow and we put our children when they become adults onto our contracts, they’ll be able to get the discounts for their partners, kids, etc. We figure direct prices will likely never get *cheaper* and this way we can lock in that future value. Our kids will be in their early 60s when CCV expires, so they’ll get a lifetime out of it! (just not retirement. ;-) )

 

[CraigInPA]

DVC members who need "just a few more points" will pay those direct prices because they can't find the right small contract via resale.

Buyers who want that 100 point minimum for direct member benefits will pay those direct prices.

Buyers who have no idea that there even is a thing called "resale" will pay those direct prices.

I don't see how BCV and some of the 2042 contracts make any sense at the direct pricing, but if you are a buyer driven by emotion or a buyer who believes that hotel pricing will continue to increase at 10% per year, you'll justify it to yourself.

 

[ChipNdale8887]

DVC members who need "just a few more points" will pay those direct prices because they can't find the right small contract via resale.

Buyers who want that 100 point minimum for direct member benefits will pay those direct prices.

Buyers who have no idea that there even is a thing called "resale" will pay those direct prices.

I don't see how BCV and some of the 2042 contracts make any sense at the direct pricing, but if you are a buyer driven by emotion or a buyer who believes that hotel pricing will continue to increase at 10% per year, you'll justify it to yourself.

Another reason people but just a few more points direct is usually the resale price for contracts under 100 points aren't usually that far off from Direct prices. Say a 50 point or 75 point contract might only be only 20% off direct which doesnt come out too much on a 50 point or 75 point contract for the hassle with resale or those points not having the direct benefits. And sometimes its not easy to find smally contracts for certain months also.