For those who bought Direct in the last 4 years, which benefits were worthwhile?

[Girlstar30]

Oh and also in the end 25 point contracts always sell for more per point than larger so there is that benefit too

That is so crazy to me, I would think people would think 25 points was too little but obviously not!

 

[Girlstar30]

This is dangerous...I highly recommend selling first or go in knowing that there's a very good chance you won't end up selling at all. We took advantage of the VGF deal in 2023. We got more than we needed with the intentions of selling our resale contracts. The plan was to sell once we weren't in a stripped position but we just keep using all of the points. It's really hard to cut back once you get used to having the extra points!

Well that didnt take a lot of convincing, I will keep my blt loll

 

[Girlstar30]

DH had his first Mickey Bar at a MM event. It was like I was with a toddler

Are Disney world mickey bars rock hard like DL? Almost broke a tooth last time I purchased

 

[HyperspaceMountainPilot]

While I would recommend bite size contracts over financing, you need to remember that you are often paying $10-30 more per point when you don't qualify for any incentives, vs buying 150 all at once.

 

[Girlstar30]

While I would recommend bite size contracts over financing, you need to remember that you are often paying $10-30 more per point when you don't qualify for any incentives, vs buying 150 all at once.

Def would need to do some math before considering!

 

[kanerf]

Well I bought direct at Riviera because you kinda of have too in order to use these points any where else. I got them at a good cost though, soon after the resort opened. I added on some resale there later because I really like the resort and don't mind having to stay there with the resale points. I qualified for Blue a long time ago, so not worried about that. I also added on direct at AK when they were have a fire sale there.

 

[Steelers0854]

Seriously better than financing. I am tempted to get started

Not an accountant, but you can deduct the interest you do pay as you get a 10-98. Im not paying this over more than a year or two, so the interest is negligible and what I do pay I can deduct on our taxes. I make large payments on each contract each month, so again the interest I pay will be small, plus I get the flexibility to use my cash for anything I may need or want and can always float the minimum monthly payment if i have unexpected expenses which is about $250. And my cash is earning 4% while i do all of this. Plus i secure a price im comfortable with, with benefits as they are today. I see very little downsides.

 

[Girlstar30]

Not an accountant, but you can deduct the interest you do pay as you get a 10-98. Im not paying this over more than a year or two, so the interest is negligible and what I do pay I can deduct on our taxes. I make large payments on each contract each month, so again the interest I pay will be small, plus I get the flexibility to use my cash for anything I may need or want and can always float the minimum monthly payment if i have unexpected expenses which is about $250. And my cash is earning 4% while i do all of this. Plus i secure a price im comfortable with, with benefits as they are today. I see very little downsides.

As far as direct goes, im still hoping to get a better incentive deal than whats going on right now, that would really help me pull the trigger!

 

[MicheyMouse]

How long do you usually have to register for a Moonlight Magic event? I’m guessing the registration window closes somewhat quickly?

 

[JulieBeeRN]

DH had his first Mickey Bar at a MM event. It was like I was with a toddler

My husband still asks if he gets free Mickey Bars at MNSSHP. Dude, that was one time and it was called a BOO BASH.

 

[intamin]

How long do you usually have to register for a Moonlight Magic event? I’m guessing the registration window closes somewhat quickly?

If youre not on before the 11am EST time they recommend, just give up. At 11am, everyone who was on before then is put into a randomized order. After that, its just luck.

 

[Cfabar1]

I never saw any point in buying direct until buying VGF for $160’s in 2023, probably worth similar now, buying RIV and seeing an instant 50% loss is a tough one though

We never thought we would buy Direct... then this became our way in the club and we bought 150 points not even a question...

I love knowing that I can take at best a 10% hit or so as opposed to more like a 30%+ hit...