Not sure if I’ve gone crazy

[melissa70]

No and no.

I almost bought SSR when I was first shopping because it was cheap and the deal fell through, I am so happy that happened. I would not have been happy with owning SSR. If you have stayed there and you know you like it then it can be worth it. Otherwise its not worth buying site unseen because it looks cheap to buy.

I’ve stayed there and liked it only because it was on Disney property. I love Boulder ridge which is why I bought there . I know that I will need more points as this contract is only 160

 

[Wedgeout]

I’ve stayed there and liked it only because it was on Disney property. I love Boulder ridge which is why I bought there . I know that I will need more points as this contract is only 160

No way trying to be negative toward your goals. I feel you are in a “Want” stage, not. “Need”. 160 is a solid start. It’s a ‘Vacation Savings Plan’. Many other options to pay for cheaper Disney vacations for where you are with this lifestyle. Stop. Enjoy this purchase process. Enjoy the membership. Then decided if there is actually the “Need”. Either way you will continued to be excited dreaming.

 

[melissa70]

No way trying to be negative toward your goals. I feel you are in a “Want” stage, not. “Need”. 160 is a solid start. It’s a ‘Vacation Savings Plan’. Many other options to pay for cheaper Disney vacations for where you are with this lifestyle. Stop. Enjoy this purchase process. Enjoy the membership. Then decided if there is actually the “Need”. Either way you will continued to be excited dreaming.

You’re right! Thank you for saying so..I should pump the brakes and enjoy this for now

 

[VGCgroupie]

You’re right! Thank you for saying so..I should pump the brakes and enjoy this for now

I went from 0 to over 1000 points in under a year, so I totally get the want and excitement of it all. My last contract I knew how important it was to know what I was buying and when the internet and a feeling told me I should buy BLT resale or Poly direct, I went and I stayed at BLT and visited all the DVC resorts in person. I didn't end up buying BLT or Poly.

I do still think closing on your BRV and being able to go into your DVC account and search what times you travel and to see availability of resorts and point costs, you will be better informed to know what would be best for you. Just keep in mind while SAP (sleep around points) are great, there is never a guarantee you will get what you want at 7 months especially as time passes more and more people buy into DVC which means more and more people are fighting for that 7 month booking. So only buy where you know you would 100% happy staying at.

Lastly incentives right now aren't great and resale is on the high price side right now too. We expect many more resales to hit the market nearing the beginning of the year. The more resales out there the less the buy in cost will be and the better negotiating power you will have. You will not need to resort to buying a stripped contract.

 

[DoubleBaconBLT]

It’s always nice to stay on property but now that they’ve removed early entry starting next year as an on-site perk there’s even less reason to do so at DLR.

Agreed. I was all excited to someday use points out there, but now I'd rather just save my points and book offsite. They really need to look at the value proposition of Disneyland Hotel and Grand Californian. I have no idea who would want to own at DLH right now.

 

[airjay75]

To be fair, none of us really "need" DVC. These are, to a large extent, luxury purchases at the end of the day. And, I do think some of the answer here does depend both on your budget for a luxury purchase like this and what you personally want. I would say, assuming you've got your desired budget down, the question becomes what do you really want and why. And, there is absolutely no harm in slowing down to figure out what that is.

I agree with others about SSR resale - the reason to buy SSR is that you have limited upfront money for your desired points and so, would rather pay more per point over the life of the contract. It's essentially a hidden way of financing your points. IMO, BLT and CCV are far better deals.

Also agree on the Poly resale vs. direct - I would not personally buy Poly resale points right now when direct can be had for not much more.

I also think that, if you just want some more points for more stays while you're making a decision, buying more resale, if the right deal comes along, is also not a terrible way to go. People advised against that for me, and I didn't listen because I ran the numbers and felt confident enough that, should I eventually decide I want points at a different resort, I can likely sell them and buy points at a different resort without having lost too much other than the cost of annual dues. I preferred going that way to get more points vs. renting and trying out more resorts. But, to go this way, you take some risk and it's best to spend some time familiarizing yourself with the ins and outs of the resale market to ensure you're not overpaying for the points.

 

[VGCgroupie]

Agreed. I was all excited to someday use points out there, but now I'd rather just save my points and book offsite. They really need to look at the value proposition of Disneyland Hotel and Grand Californian. I have no idea who would want to own at DLH right now.

Just so you have an idea of who wants to own there. I love owning there, but I would never stay offsite so there is that. To add to that not all people use early entry. It's real nice to exit the park at 11pm and not have to walk down Harbor Blvd. Last week I went from the park to room at Grand Cal in under 3 minutes. Amazing.

 

[airjay75]

Agreed. I was all excited to someday use points out there, but now I'd rather just save my points and book offsite. They really need to look at the value proposition of Disneyland Hotel and Grand Californian. I have no idea who would want to own at DLH right now.

I think there are still compelling arguments to own those resorts if you plan to go there on a regular basis. They are very difficult to get into at the 7-month market, they can be easily rented out, and VDH actually retains its value pretty darn well on the resale market despite it being a restricted resort.

I don't plan to go there anywhere in the near future, and when I do, I imagine my trip would likely involve 2-3 nights at DLR and 3-4 nights at the beach or somewhere else in CA to make a full week of vacation for the family. Can't see owning VDH or VGC for those purposes.

 

[Girlstar30]

Riv and SSR are so different. Buy the ones you like and then tack on the SSR if you need more resale points for the one bedroom and two bedrooms like I did. It has supplemented vgf and other reservations for me to convert them into one bedroom stays and I love it, but I have my favorites to fall back on.

You also have to consider expiration dates. My BLT, SSR and AKV are all in close enough proximity of expiring for me to benefit from my extra SSR points needed. Your BRV expires way ahead of SSR.

SSR will expire first and only 6 years before my last contract, leaving me nearly 30 years to use this as a SAP with my favorites.

Unless you are like me and have hours to dedicate to stalking lol having SSR as one of your "mains" is probably not ideal unless you really like it.

 

[Girlstar30]

Also im not sure if you mentioned if you were financing or not, but if you are go resale and save more money and wait your year, that interest can add up to being more than your direct contract.

 

[Girlstar30]

I went from 0 to over 1000 points in under a year, so I totally get the want and excitement of it all. My last contract I knew how important it was to know what I was buying and when the internet and a feeling told me I should buy BLT resale or Poly direct, I went and I stayed at BLT and visited all the DVC resorts in person. I didn't end up buying BLT or Poly.

I do still think closing on your BRV and being able to go into your DVC account and search what times you travel and to see availability of resorts and point costs, you will be better informed to know what would be best for you. Just keep in mind while SAP (sleep around points) are great, there is never a guarantee you will get what you want at 7 months especially as time passes more and more people buy into DVC which means more and more people are fighting for that 7 month booking. So only buy where you know you would 100% happy staying at.

Lastly incentives right now aren't great and resale is on the high price side right now too. We expect many more resales to hit the market nearing the beginning of the year. The more resales out there the less the buy in cost will be and the better negotiating power you will have. You will not need to resort to buying a stripped contract.

Great points. I regret buying a stripped contract BLT which is my favorite and it seems like OP wants a lot of points fast like a lot of us here

Stripped was not the way to go. If i had waited and discovered Fidelity I probably could have gotten the same price or less than I did with dvc resale market.

 

[eticketplease]

I agree with others about SSR resale - the reason to buy SSR is that you have limited upfront money for your desired points and so, would rather pay more per point over the life of the contract. It's essentially a hidden way of financing your points. IMO, BLT and CCV are far better deals.

Comparing to BLT maybe but not to CCV. CCV is only $0.05 less than SSR per point in dues. For the longest time SSR was cheaper.

If you increase the dues by 5% every year until the end of SSR's timeframe of 2054 you would have BLT at $33.01, CCV at $34.95 and SSR at $35.15.

For every 100 points you are talking less then $21 in difference between CCV & SSR.

Looking on DVC for less the cheapest 100 point contract is $135 for CCV and the cheapest SSR is $100 so therefore the spread per point is a minimum of $35 there.

Of course buying SSR would be a shorter contract length and does not have convenient transportation to MK.
On the other hand if you are a family of 5 (I know you are not) CCV you have to 7 month everywhere unless booking a 2 bedroom, Cabin or Grand Villa.
SSR while you don't need the advantage for the most part you could always lock in your vacation in a 1 bedroom or greater before trying to 7 month somewhere else.

 

[eticketplease]

Unless you are like me and have hours to dedicate to stalking lol having SSR as one of your "mains" is probably not be ideal unless you really like it.

We will just hire you as our broker

 

[Girlstar30]

To be fair, none of us really "need" DVC. These are, to a large extent, luxury purchases at the end of the day. And, I do think some of the answer here does depend both on your budget for a luxury purchase like this and what you personally want. I would say, assuming you've got your desired budget down, the question becomes what do you really want and why. And, there is absolutely no harm in slowing down to figure out what that is.

I agree with others about SSR resale - the reason to buy SSR is that you have limited upfront money for your desired points and so, would rather pay more per point over the life of the contract. It's essentially a hidden way of financing your points. IMO, BLT and CCV are far better deals.

Also agree on the Poly resale vs. direct - I would not personally buy Poly resale points right now when direct can be had for not much more.

I also think that, if you just want some more points for more stays while you're making a decision, buying more resale, if the right deal comes along, is also not a terrible way to go. People advised against that for me, and I didn't listen because I ran the numbers and felt confident enough that, should I eventually decide I want points at a different resort, I can likely sell them and buy points at a different resort without having lost too much other than the cost of annual dues. I preferred going that way to get more points vs. renting and trying out more resorts. But, to go this way, you take some risk and it's best to spend some time familiarizing yourself with the ins and outs of the resale market to ensure you're not overpaying for the points.

SSR is good on MF, but yes you described me perfectly as "someone who wants more points and has limited upfront money for their desired points"

Also would recommend please not to pay over $89 for SSR as the whole point is for it to be cheap

 

[Girlstar30]

We will just hire you as our broker

I should start a business "DVC Stalk and Walk" People can hire me to stalk and walk for them. I accept payment in cash or points

 

[airjay75]

Of course buying SSR would be a shorter contract length

This is a significant factor though. When you spread that upfront cost over the remaining years on the contract and add that to the dues each year (just keep them constant for comparison sake), last I ran the numbers, SSR is clearly a worse deal than either BLT or CCV, on average.

I actually think this comparison from the site sponsor was a pretty good one:
https://www.dvcresalemarket.com/blog/best-economical-dvc-resorts-to-purchase-spring-2025/

 

[Girlstar30]

This is a significant factor though. When you spread that upfront cost over the remaining years on the contract and add that to the dues each year (just keep them constant for comparison sake), last I ran the numbers, SSR is clearly a worse deal than either BLT or CCV, on average.

I actually think this comparison from the site sponsor was a pretty good one:
https://www.dvcresalemarket.com/blog/best-economical-dvc-resorts-to-purchase-spring-2025/

Judging by her brv decision as her first contract, not sure if the extra years matter to her

 

[airjay75]

Judging by her brv decision as her first contract, not sure if the extra years matter to her

Agreed, but those years also matter in terms of potential residual value should you ever decide to sell.

 

[eticketplease]

I should start a business "DVC Stalk and Walk" People can hire me to stalk and walk for them. I accept payment in cash or points

Don't forget you have to pay a commission to @VGCgroupie for playing her slots

 

[Girlstar30]

Agreed, but those years also matter in terms of potential residual value should you ever decide to sell.

If she bought SSR for dirt cheap and sold for more she could make more money. Ofc no one can predict the future.