More and more questions...

Keeps adding? What benefit have they added? Ever?

They add to concierge and adventure collection constantly...and it wasn't long ago that there were NO differences. Disney is clearly moving to distinguish direct purchases from resale more and more.
 
It isn't a bad choice if they are getting $2500 off of the purchase of PVB. That should be a valuable property regardless...and getting in at $16 off asking price is a great deal. That would be about $144. VGF is reselling for 140-145 right now...and opened lower than PVB did. So buying in at $144, you have a better than even chance your purchase will at least retain value for the first 4-5 years. That's a valuable thing....

It's better than waiting to buy another property direct where the delta between purchase price and resale is already a big gap and purchasing without discount. Sometimes, you need to think outside the box...

You are missing the bigger picture. It's a terrible choice if they can't use them where they want to. The OP already said they were mostly interested in using them at VGC. That will be next to impossible at 7 months.
 
They add to concierge and adventure collection constantly...and it wasn't long ago that there were NO differences. Disney is clearly moving to distinguish direct purchases from resale more and more.

Yes, but by taking away things from resale, not by adding them to direct.
 
But resale will NOT give you the option to use your points for cruises, DL hotels, or other yet to be named incentives that Disney keeps adding to for Direct purchasers only.

i agree with supersnoop - please do list all these "added" benefits for direct purchasers.

they did take away some trading options from resale buyers but those options are almost all prohibitively expensive.

all the real benefits are still available to both resale and direct purchasers and are exactly the same.

It isn't a bad choice if they are getting $2500 off of the purchase of PVB.

my sneaking suspicion is that the $2500 off relates to aulani...but if it's for 150 pts at PVB, then i would concede your point that it might be worthwhile to consider taking the deal now and evaluate it before the time limit on rescinding runs out...
 

you are better off economically to rent out your points and using that money to pay cash for your cruise or hotel stay.

Let's look at that....if you have SSR/AKV/OKW which are some of the cheaper resales to purchase....you are getting $11.30 per point from David's to rent which is the most hassle free---though hassle free and renting are almost mutually exclusive terms...

So after you pay your MF, you're making about $6 per point, which you then have to pay income tax on...once that's gone...

Are you sure that's how much the cruise is?...and is it worth all the bother and aggravation?

Or is it worth something to the OP to simply book the cruise with MS and say "use my points.".....DONE. What's that worth to you?

Let's look at the time involved Renting the reservation....dealing with the particulars of adding it and dealing with relevant expenses for it on your taxes...paying your accountant more....

Then, waiting to eventually be paid the entire sum for the rental ...then calling and booking your cruise.
 
Let's look at that....if you have SSR/AKV/OKW which are some of the cheaper resales to purchase....you are getting $11.30 per point from David's to rent which is the most hassle free---though hassle free and renting are almost mutually exclusive terms...

So after you pay your MF, you're making about $6 per point, which you then have to pay income tax on...once that's gone...

Are you sure that's how much the cruise is?...and is it worth all the bother and aggravation?

Or is it worth something to the OP to simply book the cruise with MS and say "use my points.".....DONE. What's that worth to you?

Let's look at the time involved Renting the reservation....dealing with the particulars of adding it and dealing with relevant expenses for it on your taxes...paying your accountant more....

Then, waiting to eventually be paid the entire sum for the rental ...then calling and booking your cruise.

Have you ever rented out points before?
 
my sneaking suspicion is that the $2500 off relates to aulani...but if it's for 150 pts at PVB, then i would concede your point that it might be worthwhile to consider taking the deal now and evaluate it before the time limit on rescinding runs out...

Precisely my point, I'm merely responding with the information the OP gave us....if it is just Aulani, that's no great deal. But if it's PVB it's almost a no-brainer...
 
Let's look at that....if you have SSR/AKV/OKW which are some of the cheaper resales to purchase....you are getting $11.30 per point from David's to rent which is the most hassle free---though hassle free and renting are almost mutually exclusive terms...

So after you pay your MF, you're making about $6 per point, which you then have to pay income tax on...once that's gone...

Are you sure that's how much the cruise is?...and is it worth all the bother and aggravation?

Or is it worth something to the OP to simply book the cruise with MS and say "use my points.".....DONE. What's that worth to you?

Let's look at the time involved Renting the reservation....dealing with the particulars of adding it and dealing with relevant expenses for it on your taxes...paying your accountant more....

Then, waiting to eventually be paid the entire sum for the rental ...then calling and booking your cruise.
That $6/point (which is really more like $7.50-$8) is profit over the cost of the cruise. You pay maintenance fees regardless. You can't back that out when calculating value for one purpose when it applies to all uses.
 
$7.50-$8? Last I checked SSR/OKW/AKV MF were $5.17, $5.83 and $6.30 respectively....$11.30 - $5.17 is $6.13...and that's the highest of the 3.
 
And checking cruise prices for November vs. point costs....Looks like depending on how you configure it, the point cost vs. cash plus tax is about $9-10 per point.

That's pretty close...and factoring in taxes on income for points...even closer...am I missing something?
 
$7.50-$8? Last I checked SSR/OKW/AKV MF were $5.17, $5.83 and $6.30 respectively....$11.30 - $5.17 is $6.13...and that's the highest of the 3.
$13 - $5.05 for BLT is $8 per point.
And checking cruise prices for November vs. point costs....Looks like depending on how you configure it, the point cost vs. cash plus tax is about $9-10 per point.

That's pretty close...and factoring in taxes on income for points...even closer...am I missing something?
How many points is that? Multiply by $4 per point and tell me it's a small difference.
 
Let's look at that....if you have SSR/AKV/OKW which are some of the cheaper resales to purchase....you are getting $11.30 per point from David's to rent which is the most hassle free---though hassle free and renting are almost mutually exclusive terms...

So after you pay your MF, you're making about $6 per point, which you then have to pay income tax on...once that's gone...

Are you sure that's how much the cruise is?...and is it worth all the bother and aggravation?

Or is it worth something to the OP to simply book the cruise with MS and say "use my points.".....DONE. What's that worth to you?

Let's look at the time involved Renting the reservation....dealing with the particulars of adding it and dealing with relevant expenses for it on your taxes...paying your accountant more....

Then, waiting to eventually be paid the entire sum for the rental ...then calling and booking your cruise.

So you are saying that getting less than the MF in value for your points is worth more than having to pay taxes on the amount your made over and above your MF? Hmm. Interesting math.
 
No...Where is the math that it's costing only $6/point for the cruise? That's not what I see...when taxes and departure costs are added, it's looking like $9-10....I only quoted the difference between MF...to discuss what you'd be paying taxes on...
 
I think OP is better off booking her next Cruise while still on board to get the 10% off (assuming that is what they still offer since my last cruise). Cruises and stays at VGC seem to be what she really wants.
 
Don't get me wrong...I'm acknowledging that Cruises are not the best use of points...I'm just saying, if you are inclined to use them that way, it wouldn't be crazy...there are plenty of folks that do it and feel it's a perfectly good use of their points. When taking into account the multiple steps, risks, and time involved, it could certainly be argued that many people would feel perfectly happy using their points for cruises at the end of the day...while being fully away of the financial aspects....and it wouldn't be a foolish decision...for them.

Furthermore, point costs for these types of things are an ever changing environment and who's to say the point costs wouldn't go down in the future....or that the advantage between Direct and resale couldn't suddenly become MORE pronounced or less pronounced without any warning. It certainly wouldn't surprise me if Disney articulated more advantages for Direct purchases vs. Resale.
 
Don't get me wrong...I'm acknowledging that Cruises are not the best use of points...I'm just saying, if you are inclined to use them that way, it wouldn't be crazy...there are plenty of folks that do it and feel it's a perfectly good use of their points. When taking into account the multiple steps, risks, and time involved, it could certainly be argued that many people would feel perfectly happy using their points for cruises at the end of the day...while being fully away of the financial aspects....and it wouldn't be a foolish decision...for them.

Furthermore, point costs for these types of things are an ever changing environment and who's to say the point costs wouldn't go down in the future....or that the advantage between Direct and resale couldn't suddenly become MORE pronounced or less pronounced without any warning. It certainly wouldn't surprise me if Disney articulated more advantages for Direct purchases vs. Resale.

You seem to be focused on the direct vs resale question. To me, the MUCH more important question is where the OP should own if they want to own DVC. What good does it do them to save $2500 if they can't use the points where they want to?
 
You seem to be focused on the direct vs resale question. To me, the MUCH more important question is where the OP should own if they want to own DVC. What good does it do them to save $2500 if they can't use the points where they want to?

Why wouldn't she be able to book where she wanted? The OP didn't say what she wanted was VGC and cruises...she actually stated that she wanted points to use at DL and WDW. Buying direct gives her access to using her points for DL hotels other than VGC. like the DL hotel or Paradise Pier....plus gives her the ability to use her points for Cruises....Plus make her reservations at a highly sought after Monorail resort when she vacations at WDW...plus she stated that she would be interested in some of the other offerings in the Non-resale group.

VGC is obviously tough to book unless you own there....but I could book a 1BR or 2BR at VGC for a week right at 7 months right now and I could also get 5 of 7 days in a studio at VGC at the 7 month window right now....just saying...
 
Not only does it give her the ability to do all of that, it does it with a very attractive price point at a resort that should hold value well. That's value right there...certainly better than spending a premium to purchase an older DVC resort that is reselling for much less and whose contract ends sooner...
 
I want to address the resale points and cruise issue. Technically, no - you cannot directly exchange your points for cruises. However......many members - resale and direct alike - rent their points and make out ahead financially by doing so. In this way, you are actually using those resale points and generally getting a much better deal by doing so. You will also not have to pay the $95 Disney exchange fee, will be able to take advantage of any travel agent incentives like onboard credits, and there will be no potential limited usage on points if you need to cancel.
 
Why wouldn't she be able to book where she wanted? The OP didn't say what she wanted was VGC and cruises...she actually stated that she wanted points to use at DL and WDW. Buying direct gives her access to using her points for DL hotels other than VGC. like the DL hotel or Paradise Pier....plus gives her the ability to use her points for Cruises....Plus make her reservations at a highly sought after Monorail resort when she vacations at WDW...plus she stated that she would be interested in some of the other offerings in the Non-resale group.

VGC is obviously tough to book unless you own there....but I could book a 1BR or 2BR at VGC for a week right at 7 months right now and I could also get 5 of 7 days in a studio at VGC at the 7 month window right now....just saying...

Then I would DEFINITELY recommend she doesn't buy either direct or resale. Buying DVC to use mostly for cruises and non DVC hotels is a terrible idea.
 



















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