Selling a Contract - Resale or Direct???

[MamaKate]

I am in the process of selling off a few of my DVC contracts since my family will not be going to Disney as much. I have already sold 2 contracts and will sell one more in the near future.

My dilemma is I'm trying to decide if I should sell my direct contract or a resale contract. My direct contract is my only direct contract left so I will lose direct benefits. However, my other contract is a place with lower point chart and a place we are more likely to stay. I could sale my direct contract at a higher price point and there is only 7 years difference for the end year which doesn't concern me since I won't use it those last 7 years.

My resale contract is grandfathered into the older policy where I can use it at new DVC locations that are built, so that is not a factor.

I'm just having slight anxiety about losing my direct benefits even though I only really use the dinning/shopping discounts and the lounges. I have bought the AP's the last few years, but this isn't a concern anymore since we won't be going as often.

What would you do?

 

[cruisehopeful]

Do you not get all the direct benefits with your grandfathered resale account? I thought grandfathered gave all the same benefits as direct.

 

[Sandisw]

Do you not get all the direct benefits with your grandfathered resale account? I thought grandfathered gave all the same benefits as direct.

Resale bought after April 2016 lost access to membership extras, but if they were bought before January 2019, they are good everywhere.

That’s because they are two different things.

 

[Sandisw]

I’d rather own the resort I’d rather be at over keeping one for the benefits…if I had to choose.

But, if it was close I’d keep direct.

Also, thank you for not sharing any details of what you might sell!!!

 

[MamaKate]

Do you not get all the direct benefits with your grandfathered resale account? I thought grandfathered gave all the same benefits as direct.

What @Sandisw said. I bought it after April 2016 so I don't get blue card benefits, but I can use my points at newly built DVC locations.

 

[AstroBlasters]

I am in the process of selling off a few of my DVC contracts since my family will not be going to Disney as much. I have already sold 2 contracts and will sell one more in the near future.

My dilemma is I'm trying to decide if I should sell my direct contract or a resale contract. My direct contract is my only direct contract left so I will lose direct benefits. However, my other contract is a place with lower point chart and a place we are more likely to stay. I could sale my direct contract at a higher price point and there is only 7 years difference for the end year which doesn't concern me since I won't use it those last 7 years.

My resale contract is grandfathered into the older policy where I can use it at new DVC locations that are built, so that is not a factor.

I'm just having slight anxiety about losing my direct benefits even though I only really use the dinning/shopping discounts and the lounges. I have bought the AP's the last few years, but this isn't a concern anymore since we won't be going as often.

What would you do?

Keep both.

 

[MamaKate]

Keep both.

I thought about that and just renting out excess points, but I don't want the long-term hassle of that.

As long as I have enough points for a few trips here and there, I'm good. It's just a tough decision on which contract to sell

 

[AstroBlasters]

I thought about that and just renting out excess points, but I don't want the long-term hassle of that.

As long as I have enough points for a few trips here and there, I'm good. It's just a tough decision on which contract to sell

If your family ever transitions back to more Disney trips then the resale is easily replaceable. The direct will be much more expensive to replace.

But, I would hold on to a BC or BW….

How much would you get from selling the direct contract after tax and commission vs how much would it cost you in lost discounts?

 

[muppets3d]

The lounges are one thing, but you could just get a free Disney Visa and be eligible for some discounts (although not as many or as steep a discount as DVC/AP).

I wouldn't keep a direct contract simply to have access to the lounges or discounts, personally. I use the lounges and discounts every trip, but I also wouldn't miss them that badly if they went away tomorrow.

 

[VGCgroupie]

hmmm... I cannot see 2 resorts that only have a 7 year difference. So I cant figure out which 2 are being compared. But if you dont care about the value in the end Id keep the one with the lower point chart where you will stay. My only caveat *might* be VGF would be worth substantially more than some resorts and it has low MF so I personally would like to have that little nest egg to sell if I wanted to rather than having zero dollars at the end. You never know when you might need money.

 

[Cfabar1]

The only direct perk of value for someone who infrequently goes to WDW might be the lounges.

Some of the MMB+ perks might be worth it, but this is year one of a new program. Who knows what the future holds.

I'd keep the points at the resort you actually want to stay at, as that is just about the only thing guaranteed in your contract.

 

[MamaKate]

If your family ever transitions back to more Disney trips then the resale is easily replaceable. The direct will be much more expensive to replace.

That is so true. For now, I don't think I'd be replacing any contracts in the future. Never say never though...

The lounges are one thing, but you could just get a free Disney Visa and be eligible for some discounts (although not as many or as steep a discount as DVC/AP).

I wouldn't keep a direct contract simply to have access to the lounges or discounts, personally. I use the lounges and discounts every trip, but I also wouldn't miss them that badly if they went away tomorrow.

That's how I am feeling. I already have a Disney Visa, and while the lounges are nice, they are not necessary.

hmmm... I cannot see 2 resorts that only have a 7 year difference. So I cant figure out which 2 are being compared. But if you dont care about the value in the end Id keep the one with the lower point chart where you will stay. My only caveat *might* be VGF would be worth substantially more than some resorts and it has low MF so I personally would like to have that little nest egg to sell if I wanted to rather than having zero dollars at the end. You never know when you might need money.

One ends 2057 and the other 2064. I think that is 7 years . Good point of holding on to a resort that might have a higher value in the future. Decisions, decisions...

The only direct perk of value for someone who infrequently goes to WDW might be the lounges.

Some of the MMB+ perks might be worth it, but this is year one of a new program. Who knows what the future holds.

I'd keep the points at the resort you actually want to stay at, as that is just about the only thing guaranteed in your contract.

I did take advantage of MMB this year did max out most of the benefits offered. But as you said, who knows if it will be offered in the future for a year we do plan on going.

 

[VGCgroupie]

One ends 2057 and the other 2064. I think that is 7 years . Good point of holding on to a resort that might have a higher value in the future. Decisions, decisions...

It is... not sure how I missed that, I think I was focused on a 2042 when I looked at the chart. The dues on the shorter contract are also a lot higher and it will be worth much less throughout the years. 2057 resorts are typically easy to book at 7 months too so you wouldn't have to use the direct points at the higher point resorts but you'll have cheaper MF every year.