Help me analyze these two contracts

[Sandisw]

I would be nervous about relying on renting the 2020 pts since there seems to be an abundance of rental points out there currently. I would either try to use them for our upcoming thanksgiving trip (which seems to likely be difficult) or a spring break trip next year.

If you have a use then that is great. The other option is that when buying direct you can put on a Disney Visa and get 6 months to pay. You can also have it broken up into increments over 30 to 90 days so get closer to 8 or 9 months

Even with having the funds it’s nice and you get rewards!!!

 

[havoc315]

Buying direct -- For your first "welcome home visit" -- They will usually pull a room out of their reserved cash stock to make sure you get what you want. They don't want to make you wait 11 months before you can actually use your points, they want to encourage people to purchase. Telling people, "you can purchase now.. but it's too late to use the points for this Thanskgiving" --- wouldn't be great for sales.
It's not guaranteed -- But if you purchased directly, you would probably get to use them for your trip this year.

Given the value of 2 years points.... If these were the only 2 options, I would go direct without hesitation. You're really only paying a couple thousand extra for direct ultimately. For that small difference, the "perks" are probably worthwhile -- between discounts, moonlight magic, annual passes, and getting to use your points at Riviera and future resorts. An extra $2,000 is a good insurance policy that you'll always get the "full benefits."

 

[poofyo101]

Do you have any specifics as to why you would go direct?

You arent getting any points for 2021 or 2020.
Those points are valuable. Once you consider the value of the points you are receiving the price delta is much smaller.
Would say getting those 2020 and 2021 points are worth about 25 per point even considering that you will need to pay 2021 prorated dues.

 

[poofyo101]

Buying direct -- For your first "welcome home visit" -- They will usually pull a room out of their reserved cash stock to make sure you get what you want. They don't want to make you wait 11 months before you can actually use your points, they want to encourage people to purchase. Telling people, "you can purchase now.. but it's too late to use the points for this Thanskgiving" --- wouldn't be great for sales.
It's not guaranteed -- But if you purchased directly, you would probably get to use them for your trip this year.

Given the value of 2 years points.... If these were the only 2 options, I would go direct without hesitation. You're really only paying a couple thousand extra for direct ultimately. For that small difference, the "perks" are probably worthwhile -- between discounts, moonlight magic, annual passes, and getting to use your points at Riviera and future resorts. An extra $2,000 is a good insurance policy that you'll always get the "full benefits."

exactly this

But there are better deals to be had than a stripped out CCV for 149.

 

[Simba06]

exactly this

But there are better deals to be had than a stripped out CCV for 149.

The contracts in my use year are all listed for $165, I know I could offer significantly less but the market seems to be keeping the prices higher.

 

[RoseGold]

Can you get a fixed week studio for Christmas or NYE? Add that, and I'd pick direct. Rent out the 2020 points and you're looking good.

But there are much better resale contracts out there than that one, for sure.

 

[emmymac17]

We are not currently members, have considered it for years. I am tired of the rising room costs and waiting until a few months before our trip to hope we secure a discount, which unfortunately rarely works in our favor.
I would like to have a direct purchase and then resale Poly. We almost bought Copper Creek when it first opened and stayed in a studio there (cash). Kicking myself for not committing then, but the time wasn’t right.

Everyone's situation is different but it seems like going direct would make sense...with the high prices on resale right now and buying direct you get your points as soon as your sign on the dotted line (vs. resale with can be a months long process). For us - we bought in direct, had those points right away for our near term trips and can be more patient with resale to find the right contract to expand our points for the future

 

[TCRAIG]

I’d go direct for this scenario as well...

 

[KAT4DISNEY]

Just to mention that there are other resorts that cost less than CCV direct. Since you're booked at WL I'm thinking you just love the resort and want to own there but making certain you're aware of lower priced direct such as AKV - $186/pt and SSR & OKW, $165/pt.

 

[Simba06]

Just to mention that there are other resorts that cost less than CCV direct. Since you're booked at WL I'm thinking you just love the resort and want to own there but making certain you're aware of lower priced direct such as AKV - $186/pt and SSR & OKW, $165/pt.

We are big Poly and Wilderness Lodge lovers, so those are the only two places we are considering. And Poly direct makes me want to faint

 

[Simba06]

Long term plan would be to own 150-200 pts at Copper Creek (for 1-2 bedrooms), and 100 at Poly (we enjoy the studios there). I would like to have some direct points for future perks. We typically do bigger trips every year and a half. I could see possibly starting annual trips, or a long weekend inbetween the bigger trips, but I can’t see us doing more frequently than that. We like to travel elsewhere in between disney trips. We are a family of 4 with 2 small children.

It feels like, especially with a trip on the horizon, to accomplish that plan, a direct purchase at Copper Creek would make the most sense. Then we could look into Poly resale down the road when we are ready to add more points. Its hard to put any significant amount of money towards a hotel room when it could go towards a contract and future vacations.

 

[Gf77]

ㅤ

 

[DVCanonymouse]

Can you get a fixed week studio for Christmas or NYE? Add that, and I'd pick direct. Rent out the 2020 points and you're looking good.

But there are much better resale contracts out there than that one, for sure.

This is exactly what I was thinking.

We purchased a Poly resale contract last summer at a very great price. We also love WL and would consider purchasing direct or resale at CC, depending...the idea of the ability to get double points and a FIXED WEEK at CC by buying direct is very appealing, even considering the cost difference between direct and resale. Simba, have you asked a guide about availability of a fixed week? You can pick your week that would be guaranteed every year, so if you want to travel during a popular time, you don't have to compete for a reservation, but you can cancel it and use the point value if you choose.

Also, as others have stated, a better resale CC contract may come up. We have seen some CC resales ging for the $130-$140 range, so those listed prices may be a starting point for negotiation.

Please let us know what you decide to do!

 

[Simba06]

This is exactly what I was thinking.

We purchased a Poly resale contract last summer at a very great price. We also love WL and would consider purchasing direct or resale at CC, depending...the idea of the ability to get double points and a FIXED WEEK at CC by buying direct is very appealing, even considering the cost difference between direct and resale. Simba, have you asked a guide about availability of a fixed week? You can pick your week that would be guaranteed every year, so if you want to travel during a popular time, you don't have to compete for a reservation, but you can cancel it and use the point value if you choose.

Also, as others have stated, a better resale CC contract may come up. We have seen some CC resales ging for the $130-$140 range, so those listed prices may be a starting point for negotiation.

Please let us know what you decide to do!

We want to be able to stay in 1 beds at copper creek, but a fixed week would be too many points for us cost wise. We plan on doing 2 trips in a 3 year period on those points. Otherwise I would consider it.

 

[Simba06]

Muddying the waters is trying to decide if I would rather spend the money on larger accommodations, or club level rooms. We have stayed in both and they each have their pros and cons. For our family currently (6 yr old and infant) club level food gives us breakfast and dinner (we are light eaters and the dinners are more than enough for us), as well as the convenience of having everything right there prepared for us. But also with two small children, it is so nice to have some separated areas due to different sleeping schedules.

I am trying to look to the future and see what would be most beneficial for our family once the kids are older.

Maybe a hybrid of each is the best answer?

 

[Sandisw]

Muddying the waters is trying to decide if I would rather spend the money on larger accommodations, or club level rooms. We have stayed in both and they each have their pros and cons. For our family currently (6 yr old and infant) club level food gives us breakfast and dinner (we are light eaters and the dinners are more than enough for us), as well as the convenience of having everything right there prepared for us. But also with two small children, it is so nice to have some separated areas due to different sleeping schedules.

I am trying to look to the future and see what would be most beneficial for our family once the kids are older.

Maybe a hybrid of each is the best answer?

Since we do not yet know when CL services will be back for the WDW hotels, keep that in mind. It may even not be the same as before when it does return.

However, the good thing is that if want to do a little of both, you can. Or, start with that idea and if you decide later that cash stays with CL services doesn’t make sense, add on,

Just do not buy DVC with the expectation that you can get the few CL rooms at AKV all the times. They are hard to get!

 

[Simba06]

After looking at the numbers more, I think we would need more like 175-200 points for 1 or 2 bedrooms during our typical travel dates. This makes the spread between resale and direct even greater. The incentive for 200 direct would be $21/pt, so the cost would be $40k.

 

[RoseGold]

While there isn't much they can take away from a resale contract, I wagered that there is no way Disney fires off an opening salvo like the restrictions on Riviera resale without having a full battleplan in their back pocket. I imagine COVID put a big wrench in that, at least temporarily, but I'm guessing when their financials make sense again the battle will resume. I've seen it over and over with companies I've been most loyal to, where they have gone to great lengths to disincentivize their cheapest options and least lucrative customers- from restricting perks to outright ending the contract illegally and eating the lawsuits.

I’m not sure what you’re proposing they plan on doing. I guess SSR could completely remove itself from the system if Disney is sick of us cheapskates, but that hoses direct SSR buyers too. There’s nothing they can do that doesn’t hose direct O14 buyers also, and that’s a lot of rich people.

Or you think they are doing illegal and/or unethical things? I guess they could do things like this monkey business with resale contracts not being able to borrow online?

 

[Gf77]

ㅤ

 

[Sandisw]

I’m not sure what you’re proposing they plan on doing. I guess SSR could completely remove itself from the system if Disney is sick of us cheapskates, but that hoses direct SSR buyers too. There’s nothing they can do that doesn’t hose direct O14 buyers also, and that’s a lot of rich people.

Or you think they are doing illegal and/or unethical things? I guess they could do things like this monkey business with resale contracts not being able to borrow online?

Just to clarify for others, the no borrowing from resale contract is account dependent and not a resale contract only thing.

It certainly seems to be hitting more resale owners, but there are plenty of owners who have resale points and can indeed borrow online with no issue,

None of my resale contracts are impacted.