VDH Questions for Purchasing

[Girlstar30]

With that said.. I think getting 150 is what I would recommend for your situation and lifestyle.

Sadly correct

 

[Girlstar30]

In theory there’s a premium (of points) you buy to have the guarantee of getting the room every year. But you don’t have to use it. So i don’t really see a downside. I wouldn’t buy extra points just to make it a FW, but if there’s one close in # to what you were going to get anymore, I say why not. (But I am biased since I have 4 FWs )

Isn't FW more expensive?

 

[Girlstar30]

So if you split your 150 into 50/50/50. A couple years goes by and something new and shiny comes along. You can sell 50 points to help pay for the new and shiny thing. 100 points is still a decent amount of points for VDH. And say you only buy 100 points at the new and shiny you still get member benefits.

I noticed the 50 point polys were selling for significantly higher than the rest, I dont see why that would be different at vdh especially with it being so studio heavy as well therefore requiring less points.

Its a good point because I dont think ill go crazy for lsl and it will probably be easy to get into. The theme and location doesnt really excite me like this does. Unless the lazy river is faster than bcv it doesnt excite me either.

Future bwv does and thats a ways away and my disney may blow up by then and help fund it (wishful thinking )

 

[Girlstar30]

This is a good point to consider, especially for someone like yourself having a mind conflict on ‘where’ to have the direct points for benefits. (Already being a member, you are not stuck having the 100 point minimum).

Pay the extra closing for the future independence of points adjusting. Add up to that 150 in whatever way that makes it work best for you & at a price you feel ok with.

I agree for me this plan is full of benefits and at a reasonable cost

 

[Girlstar30]

For a second, I was thinking there might be a downside to that for keeping direct benefits, but as I think about it, 3x50 may well be the way to go.

The situation I was thinking about is if they raise the minimum required for direct points. So, you buy 3x50 now, you get direct benefits. 5 years pass, they raise the minimum to 200 points - I don't think you would lose direct benefits as long as you kept those original 3x50 points as originally titled, right? But, if you sell 1x50, then you'd presumably lose direct benefits (regardless of whether they raised the minimum) and then need to buy whatever is required to get to whatever the minimum is at that point.

If you thought you might ever pass the contract on to someone else gratuitously, then I think keeping it at 150 (or whatever the minimum is) potentially becomes important because that entire contract would be grandfathered for the beneficiary. Whereas, passing on 3x50 contracts on to an heir, if the new minimum is 200, wouldn't cut it.

I think I have that right, but anyone feel free to correct me if I'm wrong.

I think they'd be crazy to raise the minimum at this price. $30k is a lot as it is. But Disney be greedy so maybe The contract will go to my wife if something happens to me and she will already b on the contract. If we're both toast then its going back to Disney

 

[Girlstar30]

Right. To remain eligible for benefits she'd have to replace whats sold with direct points. Im not sure 100% how it would work if bought 50 somewhere else and then sold 50. I would assume 50 points at 1 resort wont get you much so my assumption would be selling 50 to get 100 or more in future.

Especially with the points chart going up and up

 

[KPeterso]

Whew! Just got finished reading the whole thing. Honestly, I think you made the right choice switching to VDH. I read your trip report from there and I could tell how much you loved it from the way you were gushing about it. When I got to the end and you bought Poly, I was just kind of stunned and confused. I knew you loved Poly from that trip report, but VDH just made so much sense for you (live locally, love the resort, nice for staycations). This is me too - DL local who loves it - that it why I own both VGC and VDH. I love having an easy option for a short local staycation.

 

[atthebeachclub]

This is a good point to consider, especially for someone like yourself having a mind conflict on ‘where’ to have the direct points for benefits. (Already being a member, you are not stuck having the 100 point minimum).

Pay the extra closing for the future independence of points adjusting. Add up to that 150 in whatever way that makes it work best for you & at a price you feel ok with.

I split three ways too, in case I want to drop a small contract and buy one in Florida instead in the future. But I doubt I will do that.

 

[ClaraOswald]

I think Disneyland right now is very outdated tbh. I almost feel like im getting in "early" by getting in now with anhotel thats kind of being overlooked.

A new coco ride, iron man, and avatar water ride which im sure will be awesome is much needed, along with the expansions I don't know much about yet, but plan to read up on.

Portos coming right in front is a huge plus to me. We love Portos. The fact that its going to be the first Portos restaurant too and I can walk there brings me so much joy

I know the hotel also has some direct member benefits events I was interested in last year and living here i can drive there for them and hopefully stay. I have no interest in staying in any other hotel aside from Disney, so I don't see any of these being an issue for me But I completely understand your hesitancy not living so close

For me, WDW and DLR are almost exactly the same distance from my house...but in opposite directions, obviously. I kind of wish the distance to one was closer than the other though. Sometimes I go on Zillow and see where I could live that's a smidge closer to DLR. But I have yet to find anywhere I'd actually want to live.

Hopefully this can give you a push to purchase or it may have you questioning again if you were leaning towards vgc

Some days (minutes?) I'm leaning toward VDH and some toward VGC. Hoping I'll feel confident in one over the other eventually though.

I need to ask my guide how much closing costs are. Poly 20% down payment on 150 points is $6877.45 with closing costs and contract split two ways. I wonder how much it is for 20% down for 200 points at vdh. Just to compare for fun ya know I wish I could sell that blt in one day dammit lol!

If you find out closing costs for 150 at VDH, let me know. I'd be curious to hear. (Does the amount change if it's financed vs. paid in full or not?)

 

[Girlstar30]

Whew! Just got finished reading the whole thing. Honestly, I think you made the right choice switching to VDH. I read your trip report from there and I could tell how much you loved it from the way you were gushing about it. When I got to the end and you bought Poly, I was just kind of stunned and confused. I knew you loved Poly from that trip report, but VDH just made so much sense for you (live locally, love the resort, nice for staycations). This is me too - DL local who loves it - that it why I own both VGC and VDH. I love having an easy option for a short local staycation.

I was just totally in a different mindset. I live in California so why would I own a vacation property in Califonia? And then it kind of just clicked.

The Poly one bedrooms were my favorite rooms ive ever stayed in. We loved the layout and the attention to detail. When I toured it i wasnt gushing over it tho which is weird, I think we were tired.

When only staying in a studio like I did at vdh, its really hard to compare to hotels you've stayed in a one bedroom at. Id be inclined to say I like whatever hotel I stayed in the one bedroom at more because the stay in the one bedroom was so much more enjoyable.

Disneyland hotel one bedroom did give me all the feels the moment I walked in, I seriously wanted to cry I know I have issues, but it was a disney dream come true. I loved the Tiana main bedroom. I felt that way walking into Poly too and they have the same layout. This thread just really made it all make sense.

The fact that we've been to vgc more than any other hotel should have sealed the deal and now I can think of at least 10 more different reasons why this makes sense for us on top of that. Having a seperate contract just for local stays that I dont have to dip into my longer Florida vacations will help me plan more easily and I like that theres an alloted pool just for local stays

 

[VGCgroupie]

I need to ask my guide how much closing costs are. Poly 20% down payment on 150 points is $6877.45 with closing costs and contract split two ways. I wonder how much it is for 20% down for 200 points at vdh. Just to compare for fun ya know I wish I could sell that blt in one day dammit lol!

I just looked at mine and I paid 1037 for all 3 contracts that totaled 300 points. I do not see any doc prep fee like I see in FL contracts.

 

[Girlstar30]

I split three ways too, in case I want to drop a small contract and buy one in Florida instead in the future. But I doubt I will do that.

This is def what im going to do too

 

[Girlstar30]

For me, WDW and DLR are almost exactly the same distance from my house...but in opposite directions, obviously. I kind of wish the distance to one was closer than the other though. Sometimes I go on Zillow and see where I could live that's a smidge closer to DLR. But I have yet to find anywhere I'd actually want to live.



Some days (minutes?) I'm leaning toward VDH and some toward VGC. Hoping I'll feel confident in one over the other eventually though.



If you find out closing costs for 150 at VDH, let me know. I'd be curious to hear. (Does the amount change if it's financed vs. paid in full or not?)

Yes im going to find out hopefully today, ive been glued to this thread and havent emailed yet but im going to ask and ill let you know and ill also ask if its different for not financing for you

 

[Girlstar30]

Question, if you do magical beginnings on 200 points, can you sell them back 200 points or is it a max of 150 and then you keep the 50 points for 2025

 

[VGCgroupie]

Question, if you do magical beginnings on 200 points, can you sell them back 200 points or is it a max of 150 and then you keep the 50 points for 2025

You can sell back all of them. I sold back 300

 

[airjay75]

Question, if you do magical beginnings on 200 points, can you sell them back 200 points or is it a max of 150 and then you keep the 50 points for 2025

I believe you actually have to sell back all of them too - basically all or none. I think I asked whether I could sell back just some and the answer was no (although enough time has passed that I am now not 100% certain).

 

[VGCgroupie]

Since you are looking like you are trying to justify 200 I have some other math incoming...

 

[VGCgroupie]

Okay if you want to look at this way instead of as a whole purchase you can. To add an extra 50 points you are paying $172 per point on those 50 points.

I didnt like calculating this way for my purchase I wanted as a whole factored. But this does make the math look better for you.

 

[VGCgroupie]

Okay if you want to look at this way instead of as a whole purchase you can. To add an extra 50 points you are paying $172 per point on those 50 points.

I didnt like calculating this way for my purchase I wanted as a whole factored. But this does make the math look better for you.

Still wanted to add I would still lean 150. It's rare that you get an additional $2000 incentive on only 150 points.

 

[ClaraOswald]

Still wanted to add I would still lean 150. It's rare that you get an additional $2000 incentive on only 150 points.

$2000? I thought it was $1500?