Food for thought...bearing my soul...(this may be an unpopular post)

Heather...I'll echo the sentiments of so many who congratulate you on making your decision for what is best for you and your family.

What I kind of read between the lines is that you are not disappointed in DVC, it's just that it's not the right thing for you at this point in your life.

So I don't see how anyone could flame you. We wish you all the best, and still hope to see you 'round the World from time to time....though don't be trying to keep on pool hopping!! :p
 
Heather, never apologize for doing what you feel is best for your family. We would have loved to join DVC yrs ago, but didn't want to go out on a limb that far financially either.
Now our mortgage is paid off (we do have a fairly small equity line) and we felt it was the time to take the plunge.
If you aren't comfortable with the situation, you won't enjoy it as much as you should.
Hope everything works out for you and your family.

Phil
 
Good luck and best of wishes on your decision

If my spouse turned into something different I did not like at WDW, I would be selling too!

Thanks
jaysue
 
Heather, I think it's great that you are sharing your thoughts with us, positive or negative! I think people come to this board to seek advice, and this helps level things out. I hope that everything works out for the best for you all. Hopefully your DH will find a vacation spot that relaxes him a little more. Just out of curiosity, does he want you to sell DVC, or is this just a decision you made on your own? I'm sure if he wants you to sell, than that adds more stress than you need in your family. Anyway, best of luck to you.
 

Good for you, Heather. You are doing the right thing for your family and it can't be an easy decision.

BTW, my first husband also turned into a jack**s when we were on vacation. Turns out he was really a jack**s all the time, I just noticed it more!!
 
You are so wise to make the decision that's best for you. DVC is great for a lot of people but it's not the end-all, perfect choice for everyone, all the time.

My DH is a very kind, agreeable man. He finds Disney to be a bit much after a while. So when we used to stay onsite a couple of times a year, he started to dislike going to Orlando at all. He still went, to please me. But it was HIS vacation too. :scratchin

When we sold DVC, we started to vary our vacations more. We include more non-theme park activities :boat: and we enjoy each other more. :hug: That's what our vacations are really about: Great family time together! :grouphug:

If you want to save on sales commission, consider posting an ad on TUG. Ask a reasonable price. Expect some ridiculously low offers and just wait a little while for the right buyer. There are closing services in Orlando which will handle the processing of contracts and escrow (usually paid by the buyer). ::yes::
There really is life after selling DVC! :sunny:

Your marriage is important. Managing your finances is too. You are really smart to give both of these very high priority. No telling what tomorrow will bring... hopefully, many great Poly memories! Meanwhile, remember that these forums are open to anyone. So enjoy! :teeth:
 
Originally posted by HeatherPage
Thanks for not flaming me guys :)
No flames needed. I hope it works out. There are cheaper ways to visit WDW for many. Pay off your debts, find deals when you can, rent points at times then save your money and reconsider in a few years. If your family grows, the savings will increase as well. You've just found out one of the points I've tried to get across to many prospective buyers, DVC is not for everyone. It is not even a good deal financially in all situations. Good luck.
 
Okay, to respond to a few questions. I placed an ad on tug2.net (I joined their website for $15 and with that ad they give you one free classified ad). I'll have to wait when/if the sale is complete to give you the details of where, how much etc. (according to the DIS Board regulations).
My husband enjoys it when we go to Disney world, but we always have to go see his parents that live in Jacksonville, Florida when we go and by the time we stop at their house on the way, go to Disney for a week and then have to stop back by on the way back, I'm on edge about staying at his parents again and he gets offended by that :rolleyes: But we normally do have a great time when we go, no he's not as Disney crazy as me but he has his favorite restaurants, enjoys playing golf there, etc.
About the comment that it sounds like I've made DVC out to be the bad thing, I don't believe that was my intention at all. If anything put us in the bad situation it was the home equity loan that I/we got ourselves into (and I believe I said that in the first post - hence the reference to how I stupidly got the H.E. loan)and I'm selling DVC to pay a good chunk of that. I only stated why DVC wasn't the all important star in my life at the moment any more, no need to get the defenses up. As far as renting out points, I had thought about that, but we're already borrowed through to next year and I didn't want have to deal with making reservations for someone else, taking deposits and taking the chance of them having to be cancelled, etc. I stand to make close to $4,000 off this sale, so I don't think that's too shabby. As far as your contract having to be paid off before you sell it, as long as I'll have enough money to pay off our loan (which I will and then some, I don't see how it can't be sold - I'm actually on hold with MS now to check on that). About whether my husband wanted me to sell, I brought the subject up and he said whatever you want dear - his normal response to most of my suggestions (he even suggested buying later down the line because he said I wouldn't be happy unless I did) and that still is a possibility but for now I'm just tired of having debt everywhere I turn around and AGAIN that is not DVC's fault, just an unfortunate circumstance at the moment. Well I just got off the phone with Member Administration and Roger's impression there was as mine was that as long as the proceeds from the sale paid off the loan, I'd get what was left over. Also in looking at the letter I received from Member Admin. it states "Any outstanding annual dues, fees or loan amount to DVD must be paid in full at the time of closing." So basically at closing they take the proceeds pay off any remaining portion of the loan and turn around and send me the check. Again thanks for most everyone seeing my point of view :)
 
Nothing to flame IMO, either. I think that you stated great reasons why DVC is not for you, or at least not for you right now. Everyone has different needs and preferences, and yours don't fit well with DVC ownership right now. Good luck with all the issues you raised, and I hope that this decision makes lots of the other things much easier and better.
 
Originally posted by HeatherPage
Thanks for not flaming me guys.......

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No need to Heather...........keep us posted.::yes::
 
Sounds like a good decision for you guys. DVC is expensive .... Disney vacations are expensive .... and there are other things in life that may have a higher priority for money than DVC vacations. If we all had limitless cash, we could have it all. Most of us don't so we have to decide what we really want. If I were living in a house I didn't like 51 weeks a year so that I could spend one week a year at Disney, I'd go nuts!
 
Originally posted by HeatherPage
Thanks for not flaming me guys :)

Heather, why would anyone flame you? I am sorry you are selling but totally understand the reasons and your preferance for resorts. Can't flame someone for that.
Take care. :)
 
A few weeks ago I was talking with someone on the rent/trade board about renting out some of my points (I was willing to rent them out for $8/point because they were expiring in a couple of months). The person contacted me about transferring them as holding points to their account (they actually already were holding points) because they needed to add to an existing reservation. They wanted me to transfer the points and then pay me a week later (no thanks). I was curious and looked over other posts on the rent/trade board and noticed this person was trying to get other people to transfer to them at $8/point or less and then I saw this person advertising multiple reservations for rent at $11 to $12 per point, stating they could not take less than $11 per point. So this person has a nice little boiler room operation out of their house of getting members to transfer their holding points at $8 or less and trying to make a $3-$4 profit per point (though I've noticed they've not had any takers lately). Kind of makes me want to say ha-ha! While I guess there's nothing technically wrong with that (quite an industrious person I'd say-to time consuming for me to even try to do that), it still bugs me.
Heather all the very best.
I assume this was the last straw.
 
One of the nice advantages of DVC is the ability to sell at a reasonable price. You can always rent points if you'd like, if you head down with your new boyfriend. ;)
Best wishes.
 
I can absolutely relate my choice was DVC or a new bigger house. We were fortunate to get a loan for our DVC at 4% that will be payed off in 5 years through my husband's employer. So a new house is on hold for 5 years but that's okay for me. Now as far as my DVC and my husband, I'd rather sell my husband!LOL! No I guess really need him, well at least until my DVC is payed for! Aren't I bad? I think you are making the right decision for yourself, as no one knows what tomorrow will bring. Best of luck with purchasing your dream house!!!
 
Heather,

Makes complete sense to me. A mature and sensible decision.

Frank ::yes::
 
I feel badly you are upset. But I must confess My first thought was...What do I get rid of the DVC Or The DH:eek: Sorry just a naughty momentary thought!!!!! I am lucky to own mine outright with no payments other than fees, If I didn't... I think I would have trouble justifying to my DH a monthly disney payment.
I also have to say... My DH is a horrible troll of a theme park person he hates everything about it. I have owned since 1999 and he has never made a DVC trip with us. He prefers the golf of FT Lauderdale and I prefer to go to Disney with people who enjoy it as much as I do. Good Luck with whatever you decide, I have to agree I probably would want to get rid of a monthly payment as well If I was in your position!!!::yes::
 
Heather,
You made the right choice for you. I applaud your ability to make a diificult decision and I wish you all the best!:wave2:
 

















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