To buy direct or resale

[sethschroeder]

I prefer resale, but that's bc if you ever want to sell, then you do not lose as much, if at all. You still get rooms at a discount.

Eh roughly 80% of all direct owners probably could sell for a breakeven right now. Give it another 10 years and another 10% likely can sell for a breakeven as well.

Have to remember the initial direct prices:
BLT - $112
BRV - $67
CCV - $176 (selling for $150ish now resale)
AKV - $101
BCV - $75
BWV - $62.75
OKW - $48
Poly - $160 (selling for $140-$150)
SSR - $89
VGF - $145

So you can add in inflation if you want but most will come out to around the same price even with inflation added in. Pricing will only keep going up on direct regardless of short term incentives they might run. Resale pricing might drop but will rebound just like over the last decade.

Now you can do resale because its less money, has better savings, and you don't need the direct benefits though. In the end you are more likely to make money from it but lots of direct sellers are not losing anything and in their minds they actually are coming out ahead.

 

[GivemetheDreamFinder]

Eh roughly 80% of all direct owners probably could sell for a breakeven right now. Give it another 10 years and another 10% likely can sell for a breakeven as well.

Have to remember the initial direct prices:
BLT - $112
BRV - $67
CCV - $176 (selling for $150ish now resale)
AKV - $101
BCV - $75
BWV - $62.75
OKW - $48
Poly - $160 (selling for $140-$150)
SSR - $89
VGF - $145

So you can add in inflation if you want but most will come out to around the same price even with inflation added in. Pricing will only keep going up on direct regardless of short term incentives they might run. Resale pricing might drop but will rebound just like over the last decade.

Now you can do resale because its less money, has better savings, and you don't need the direct benefits though. In the end you are more likely to make money from it but lots of direct sellers are not losing anything and in their minds they actually are coming out ahead.

I think you may practice telepathy... My wife and I stumbled on a DIrect Vs resale video last night, and totally swayed her... so maybe you sent that to her head LOL? either way she started looking at all the benefits, and changed my mind on APs, and how flexable it could be. If my daughter and her fiance wants to go, they can grab the 3 day pass from her work, jump in the car and go, and they get 3 days in the parks, and we have AP so we can do what we want when we want ( assuming that they start selling again) APs could become the yearly christmas present to eachother too.... the more i thought about it. its much more, but you get alot, even with the discounts on all the tours we always say we want to do. Moonlight Magic aside. Plus its the easiest to be honest. I guess i needed time for it to settle in and realize it may just be worth it. 2057 is a bit more alluring as that puts us at 70 and 76, which by that point, we are likely living in FL close to the parks and everything if we still want to go anyways.

 

[sethschroeder]

Lots of ways to slice it in the end.

One big thing is that direct benefits are going up sometime around September 18th or October 1st. If you plan on buying in direct I might to do it prior to that so you can just get 100 points direct. That unlocks the main benefits of buying direct (outside of staying at future resorts).

If you can't afford to pay cash now for all the points you would like there is a couple things to do:

• Buy less points and add-on resale/direct later
• Use CC to get interest free time (Disney Visa gets 6 months and then you possibly can do a balance transfer for more time for a much smaller 2-3-4% fee instead of loan charges)

I would try to avoid Disney financing which would be around 9-10% interest.

 

[GivemetheDreamFinder]

Lots of ways to slice it in the end.

One big thing is that direct benefits are going up sometime around September 18th or October 1st. If you plan on buying in direct I might to do it prior to that so you can just get 100 points direct. That unlocks the main benefits of buying direct (outside of staying at future resorts).

If you can't afford to pay cash now for all the points you would like there is a couple things to do:

• Buy less points and add-on resale/direct later
• Use CC to get interest free time (Disney Visa gets 6 months and then you possibly can do a balance transfer for more time for a much smaller 2-3-4% fee instead of loan charges)

I would try to avoid Disney financing which would be around 9-10% interest.

9-10 percent interest seems to be even lower than some of the resales i was seeing. What its coming down to now, is do we jump on the current offer of 5 dollars off a point, and just jump in for the 150 points. Do 20 percent down, and do large extra payments on it so we dont deal with too much interest too long.. or Do we wait to see if they push out any other promotions so our first payment would be after christmas.

 

[CastAStone]

9-10 percent interest seems to be even lower than some of the resales i was seeing. What its coming down to now, is do we jump on the current offer of 5 dollars off a point, and just jump in for the 150 points. Do 20 percent down, and do large extra payments on it so we dont deal with too much interest too long.. or Do we wait to see if they push out any other promotions so our first payment would be after christmas.

Unless you're paying it off in just a few months, saving the $5 a point isn't worth the interest payments. Save up instead. If you are 110% certain that you can pay it off in ~18 months and you have good credit, I'd explore @sethschroeder's strategies.