Is my math on a direct add-on with the various incentives/discounts correct?

They have a blue card, but if they ever need more than 300 at RIV then Poly would also make sense. But its the only 6 extra years that gets me on the price spread of BLT and Poly direct if points are for BLT, if they can get BLT resale loaded sub 115
Yes unfortunately I started the reply and then came back before I found that out lol. I still would go direct though because that way they could combine with RIV if needed at 7 months for a preferred view.
 
Alright, I really need to think about this. If BLT preferred view is what I really like (we'd probably be ok with anything, but I could see enjoying at least preferred view at BLT), we already own and love Riviera, maybe PIT direct points could make more sense than BLT resale points.

Going to need to have our guide give us a tour and offer on Poly direct points during our 7/12-7/19 trip before the current incentives expire and we go into the new incentive period so I can see whether the incentives get better or worse.
Exactly. It really depends on which season you're planning for and where you truly want to stay. It's a good idea to visit BLT and CR. I know you mentioned Poly seems busy and crowded, but CR's 4th floor where the airbridge connects to BLT has constant noise from Chef Mickey's, monorail security, and monorail boarding above on the 5th floor. BLT is somewhat tucked away like the original villa building at VGF, but you can say the same about the island tower at PVB. All the monorail resort lobbies tend to be chaotic at times.
 
Still seems pretty good compared to resale right now. Most resale is stripped anyway. Points would not be restricted in any way for us and if something happens where we need to sell, the resale buyers have access to O14 resorts.

Yeahhh it really irritates me when on some podcasts they're like the cost of direct is 75 dollars more than resale per point! And then neglect to say the resale contract is fully stripped compared to direct that's fully loaded and don't mention the value of the points being unrestricted while also forgetting to mention the incentives. I get not everybody will buy 150 but at least bring up how much direct goes down when reaching like the 100 and 150 point threshold.
 
They have a blue card, but if they ever need more than 300 at RIV then Poly would also make sense. But its the only 6 extra years that gets me on the price spread of BLT and Poly direct if points are for BLT, if they can get BLT resale loaded sub 115
It's rough because Oct is the hardest UY for BLT because it only makes up 5% of all contracts followed by April with 6%. If @airjay75 wants to consider other UYs and a second membership he may have a better chance at finding a contract priced like that.
 

Darn UY always making things difficult
Yeah it's annoying! I think the best deal I saw on a BLT with an Oct UY was a "red hot deal" back in January. It was loaded and in the 130s. All of the lower priced contracts tend to have no current UY points so when I do my Disney math (to justify more expensive direct contracts 🤣 ) it pushes them back into the 130s.
 
You guys are really giving me some more things to think about. Thanks so much for your thoughts. Although 300 seems like enough at Riviera right now, I could see us needing more than that in the future there. BLT resale has felt attractive given the lower up front price point, but when I think about the longer term, that may not be the case. More direct RIV or Poly could actually make more sense over the long run - without sitting down and doing math myself, my initial thoughts go more towards Poly than RIV. Could give us that 7-11 month priority on a MK resort that, if we prefer BLT, sounds like could be move to a preferred view pretty easily (setting aside the crazy busy times). And, we get the flexibility to use those points at RIV or future resorts at the 7 month market. And Poly resale is going to be much better for the foreseeable future if I decided to offload those points at some point. So many things to think about and more reasons for me to slow myself down before jumping on a BLT resale contract.
 
Exactly. It really depends on which season you're planning for and where you truly want to stay. It's a good idea to visit BLT and CR. I know you mentioned Poly seems busy and crowded, but CR's 4th floor where the airbridge connects to BLT has constant noise from Chef Mickey's, monorail security, and monorail boarding above on the 5th floor. BLT is somewhat tucked away like the original villa building at VGF, but you can say the same about the island tower at PVB. All the monorail resort lobbies tend to be chaotic at times.
And, just on that point, I think I understand that all of the monorail resorts can be a bit crazy at times - I don't think I expect any of them to provide the relaxed, calm vibe we get at RIV. I think BLT's separate pool (although I realize everyone says it isn't the greatest pool) has sounded appealing. You don't get that at Poly or VGF. But, we did actually tour PIT before our RIV purchase and the tower itself is certainly lovely. I think I might be back to booking at least part of our welcome home stay at Poly. You have really given me some more to think about here from a longer-term financial perspective, and I think I really need to hit the brakes on a BLT resale purchase. A direct Poly purchase may make much more sense over the long-term, even if we end up having a preference for staying at BLT.
 
Had to add one extra post - my mind starts going to, ok, if I did buy, say, 200 Poly points, if I break that up into smaller contracts, what is the resale value? There are 100 point contracts with a $185 list price out there right now and if you look at inactive listings for even smaller contracts, it is just crazy to see that there have been list prices in the $190s and even above $200. Granted, some of those were before the opening of the PIT, and you wouldn't think you could sell them for that now (at least not to anyone with half a brain) but, still, just some crazy numbers to me. Really don't know why someone would go for Poly resale contract right now.
 
But its the only 6 extra years that gets me on the price spread of BLT and Poly direct if points are for BLT, if they can get BLT resale loaded sub 115
Loaded for 115 at BLT….is unlikely. You will occasionally find a 115 contract. It’s not the usual rate though. Finding a loaded 115 contract, especially one that is not in the February use year, is going to be a needle in a haystack. 125 or more is a lot more likely.
 
You don't get that at Poly
Correct me if I'm wrong but I thought PIT guests had access to all 3 pools and the 2 splashpads but if you stayed in the longhouses or bungalows you only had access to 2 pools and the 1 splashpad?

While PITs pool is more crowded than BLT's it appears to be better even if there is no slide.
 
Had to add one extra post - my mind starts going to, ok, if I did buy, say, 200 Poly points, if I break that up into smaller contracts, what is the resale value? There are 100 point contracts with a $185 list price out there right now and if you look at inactive listings for even smaller contracts, it is just crazy to see that there have been list prices in the $190s and even above $200. Granted, some of those were before the opening of the PIT, and you wouldn't think you could sell them for that now (at least not to anyone with half a brain) but, still, just some crazy numbers to me. Really don't know why someone would go for Poly resale contract right now.
Yes it would be better to break them up into 50 pointers as they sell for more and typically go faster as well as the buyer is not having to come up with as much.

You would have to pay closing costs on each one but you would still qualify for the incentives as they count the total points not how they are broken up. Down the road if something came up you could just offload 1 50 pointer instead of all 200 points for example.
 
Correct me if I'm wrong but I thought PIT guests had access to all 3 pools and the 2 splashpads but if you stayed in the longhouses or bungalows you only had access to 2 pools and the 1 splashpad?

While PITs pool is more crowded than BLT's it appears to be better even if there is no slide.
At least according to google, everyone staying at Poly, regardless of tower or not, has access to all pools. I also wasn't terribly impressed by the pool with the Moana splash pad they put in right next to the tower. My kids would want to walk right past that and move on to the volcano pool with the more exciting waterslide and full splash pad area. The BLT pool at least has a full waterslide. There is also a gym at the island tower and my understanding is that all Poly guests can access that too. I think the only areas non-tower guests can't access are the garden terraces in the tower itself. When we toured, you had to have a key card to use the tower elevators, but not to get into the tower itself.
 
Since you said you haven’t closed on your RIV purchase, you can still add extra points on…
No! I don't need another option to consider. Haha. In all seriousness, if I did that, do you know if they would do it at the pricing that was available at the end of the last incentive period (which is what I got on my 300 points)?
 
At least according to google, everyone staying at Poly, regardless of tower or not, has access to all pools. I also wasn't terribly impressed by the pool with the Moana splash pad they put in right next to the tower. My kids would want to walk right past that and move on to the volcano pool with the more exciting waterslide and full splash pad area. The BLT pool at least has a full waterslide. There is also a gym at the island tower and my understanding is that all Poly guests can access that too. I think the only areas non-tower guests can't access are the garden terraces in the tower itself. When we toured, you had to have a key card to use the tower elevators, but not to get into the tower itself.
Yes the volcano pool is much better!! When we were doing our walkthrough that is when I had heard about the pool situation but I could have been wrong as it was the one for existing DVC members to show up and tour. There were a bunch of us and I can't hear half the time either lol.

You mentioned the gym so I'm not sure if you knew that for BLT you have to walk over to the contemporary and use it there. It is a decent size (although could be larger for the size of the contemporary) and when I have gone it has been pretty empty.
 
No! I don't need another option to consider. Haha. In all seriousness, if I did that, do you know if they would do it at the pricing that was available at the end of the last incentive period (which is what I got on my 300 points)?
Although, as I think about this a little more, I've always thought that a better option in the future if I decide I want more RIV points is to go resale. I've sort of thought, 300 seems like a good amount to keep for the very long run - enough for me and my wife to make our own trips once the kids are not so interested. If I needed more for 4-5 years, seems like buying/selling resale contracts might be the better move since you lose so much buying direct and then selling. Poly points, on the other hand, aren't going to lose so much value so if I decide to offload those in 10-15 years, would seem the better move. So many things to think about.

OP - apologies, I feel like I'm taking over your thread. Hopefully this is all helpful analysis for folks thinking about buying direct vs. resale.
 
Yes the volcano pool is much better!! When we were doing our walkthrough that is when I had heard about the pool situation but I could have been wrong as it was the one for existing DVC members to show up and tour. There were a bunch of us and I can't hear half the time either lol.

You mentioned the gym so I'm not sure if you knew that for BLT you have to walk over to the contemporary and use it there. It is a decent size (although could be larger for the size of the contemporary) and when I have gone it has been pretty empty.
In theory, I would like to use the gym while on vacation, but kids are so young, that has been very hard to do thus far. But, it is a consideration for me since that might get a bit easier to do as they get older. I don't mind walking to a gym - would be most concerned about size and/or crowding. Poly gym didn't seem particularly big to me given that it wasn't just for tower guests.
 



















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