Pondering a small add-on ... a question.

[Dreamfinder2]

Lately we've been thinking of doing a small add-on contract of about 50 points, which, according to my calculations, would just about take care of our needs (yeah, right.)

Here's the question - I've found a contract that's the perfect size, in our preferred use year, but it's at HH. We currently own at VWL and BWV. The small contract at HH wouldn't be big enough for us to really use at HH without doing a lot of banking and borrowing, giving us the 11 month edge. But, it would combine nicely with our other contracts, but then we'd be restricted to the shorter window.

So... ya think it's better to keep looking for a sale on one of our current holdings, or go with the HH? I'd really like to hear from those of you who have small contracts at different resorts, and how you best use your points.

Thanks! We do enjoy Hilton Head, btw.

 

[rocketriter]

Let's all sing together now: "Buy-y-y where you want to stay-y-y!"

You'll save a few bucks up front with a tiny HH contract. But you'll get what you paid for in terms of complication and inflexibility. I'd suggest that you either buy a HH contract that's large enough to support your family staying at HH, or else buy a smaller add-on at your existing home resorts of VWL or BWV.

 

[tjkraz]

Don't forget to ponder the impact of closing costs on that little add on. If closing costs run you $400, that's about $8 per point.

If you add-on directly from DVC, they take care of all of the fees. I know that their process for purchasing add-ons direct at the sold-out resorts has not gotten any friendlier in recent weeks, but it might be worth a call to your guide to see if they have anything at BWV or VWL for your use year.

 

[Dean]

If you buy privately, you can decrease the closing costs significantly. If you will visit HH even some during the summer, I'd give it a go. 50 points can do quite nicely for a studio or 1 BR if you work it right. You should be able to get a HH contract, even one that small, for under $65 pp. Do be careful of the other costs though. IF you have no intention of visiting HH in the summer, I'd keep looking if it were me.