What order would you sell your contracts?

[intamin]

Saw this in another thread and thought it might be a fun little mental exercise. I know a few of us already answered the order we would sell our contracts but I'm curious to hear other people's order would be.

Assume disaster has happened, whatever that may be to you and has placed you in a circumstance where you MUST sell ALL of your contracts. Not necessarily all at once but over the course of a few years where you eventually do have to sell all of them. In what order would you sell them and why?

I guess I'll go first. My current contracts are resale AKL (125), resale sub dues AUL (200), 3 direct RIV contracts (FW 135, 50, 150) and 2 direct Poly (FW 153, 47).

1. AKL (125)
2. sub dues AUL (200)
3. RIV (50)
4. Poly (47)
5. Poly (FW 153)
6. RIV (FW 135)
7. RIV (150)

My main thought process is to sell the resale first since I will be able to mostly sell it at what I purchased it at. I value home resort priority at AUL more than AKL and my AUL points are also more economical. Then Poly does have the high resale value but I think Id consider selling my small RIV contract first just because the 150 at Poly I have doesn't go as far at Poly by itself and I'd still have 285 RIV points after selling the 50. Then I would go with my small Poly contract since that should get a premium for being a small contract. Next is direct Poly again because of resale value. Then finally the larger direct RIVs, the FW I would hope get a better amount on the resale market for being during week 50. And finally my first contract with 150 RIV points will probably get the worst hit in resale value but it's all that's left.

Anyways, looking forward to hearing your thought processes!

 

[CraigInPA]

I have four BLT contracts. First to go would be the most recently acquired, a resale after the O-14 restriction was put in place. Next up would be my original resale, which predates the O-14 restriction. Then a direct small add-on. The 25 point direct contract, which gave me blue card status, would be last to go.

 

[GrumpyInPhilly]

1st: recent resale SSR (200 pts.) - not grandfathered
2nd: grandfathered BCV (250 pts.) - largest contract so most $ received for selling
3rd: grandfathered BCV (150 pts.) - keep the magic alive as long as possible!

 

[eticketplease]

Saw this in another thread and thought it might be a fun little mental exercise. I know a few of us already answered the order we would sell our contracts but I'm curious to hear other people's order would be.

Assume disaster has happened, whatever that may be to you and has placed you in a circumstance where you MUST sell ALL of your contracts. Not necessarily all at once but over the course of a few years where you eventually do have to sell all of them. In what order would you sell them and why?

I guess I'll go first. My current contracts are resale AKL (125), resale sub dues AUL (200), 3 direct RIV contracts (FW 135, 50, 150) and 2 direct Poly (FW 153, 47).

1. AKL (125)
2. sub dues AUL (200)
3. RIV (50)
4. Poly (47)
5. Poly (FW 153)
6. RIV (FW 135)
7. RIV (150)

My main thought process is to sell the resale first since I will be able to mostly sell it at what I purchased it at. I value home resort priority at AUL more than AKL and my AUL points are also more economical. Then Poly does have the high resale value but I think Id consider selling my small RIV contract first just because the 150 at Poly I have doesn't go as far at Poly by itself and I'd still have 285 RIV points after selling the 50. Then I would go with my small Poly contract since that should get a premium for being a small contract. Next is direct Poly again because of resale value. Then finally the larger direct RIVs, the FW I would hope get a better amount on the resale market for being during week 50. And finally my first contract with 150 RIV points will probably get the worst hit in resale value but it's all that's left.

Anyways, looking forward to hearing your thought processes!

The reason for selling would have to come into play I think.

For your situation if you were trying to maximize return for a large expense ie Kid going to college etc I think your plan makes sense.
If it is just to downsize for you I would do:

1. AKL (125)
2. AULS (200)
3. PVB (47)
4. PVB (FW 153)
5. RIV (50)
6. RIV (FW 135)
7. RIV (150) Blue card until the end

My theory is if you sold off all of your contracts except for RIV and cancelled your FW you would still have 335 points.
This allows you enough flexibility even with downsizing that if you were to then purchase 24 OTUP and borrow 3 points you could obtain a week in a 2 bedroom in CCV until 2068 (in season 6 or earlier)
If this is done you still are left with 209 points in 2068 that you can use or bank into 2069 to finish your DVC journey with 544 points which will get you a 1 BR at RIV or if lucky with availability purchasing 21 OTUP to grab a 2 BR at RIV.
You could certainly stretch the points more with AKL, OKW & SSR but I was just using CCV for the example as it will last the longest before the RIV contract.

This is also factoring in they are all the same use year so that you can easily combine at the 7 month window.

 

[intamin]

The reason for selling would have to come into play I think.

For your situation if you were trying to maximize return for a large expense ie Kid going to college etc I think your plan makes sense.
If it is just to downsize for you I would do:

1. AKL (125)
2. AULS (200)
3. PVB (47)
4. PVB (FW 153)
5. RIV (50)
6. RIV (FW 135)
7. RIV (150) Blue card until the end

My theory is if you sold off all of your contracts except for RIV and cancelled your FW you would still have 335 points.
This allows you enough flexibility even with downsizing that if you were to then purchase 24 OTUP and borrow 3 points you could obtain a week in a 2 bedroom in CCV until 2068 (in season 6 or earlier)
If this is done you still are left with 209 points in 2068 that you can use or bank into 2069 to finish your DVC journey with 544 points which will get you a 1 BR at RIV or if lucky with availability purchasing 21 OTUP to grab a 2 BR at RIV.
You could certainly stretch the points more with AKL, OKW & SSR but I was just using CCV for the example as it will last the longest before the RIV contract.

This is also factoring in they are all the same use year so that you can easily combine at the 7 month window.

Lol I'm not selling anything but I was curious how you guys would sell your own contracts

 

[Sandisw]

Since my SSR and one of my RIv are jointly owned with my adult kids, they wouldn’t be sold because they are owners and can afford the MFs if we color not.

But, assume everyone wants out?

We’d sell like this:

SSR - 1 contract of 300
VGF - 2 150 point contracts
RIV - 1 resale at 125 points and one direct at 175 points.

 

[eticketplease]

Lol I'm not selling anything but I was curious how you guys would sell your own contracts

I understand that that is just my take on yours

I'm not planning on selling any of mine either.

Once we pass on who knows but that will be a problem for them to figure out

 

[jcolvin5]

Obviously in a "disaster" we would do whatever it took to recoup some money.

Resale goes first. All direct contracts will go to our two girls, plus whatever is left of the resale. My wife will never let me sell our AKV contracts. No AKV, no Disney/Orlando for that matter

Our BLT contracts will be the first to go most likely. We really enjoy the resort, but it is mostly for convenience to MK/monorail. CCV resale, then AKV, then work through the direct points if we had to.

BLT - 330 total: Resale (30, 50, 50, 200)

CCV - 225 total: Direct (150); Resale (75)
AKV - 320 total: Resale (160, 160)
RIV - 300 total: Direct (150/150)

 

[RuntheMouse]

Not in my plans to ever sell but if I did….

1. AKV 100 pt resale
2. SSR 75 point resale
3. BRV 150 point resale
4. SSR 100 point resale
5. RIV 50 point resale
6. RIV 25 point direct
7. RIV 50 point direct
8. RIV 100 point direct

This would all be in order of what would allow the best usage for us if we did in fact downsize. There are 3 UY in there.

 

[atthebeachclub]

I don’t want to sell any. If I’m selling, I’m probably selling all of them.

 

[RMDVC24]

Ooh this is a fun one lol. None of our resale contracts are grandfathered.

1) SSR resale 100
2/3) VGF resale 50 & 65 (doesn’t matter which order)
4) VGF direct 50
5) VGF direct 100

 

[VGCgroupie]

Fun thread! My answers I thought about a little more and this is what I would do.


I would sell on this order.

1st up VGC resale.
Given my screen name you’d think this wouldn’t be the case. A few reasons behind this. It’s just so hard to book that it causes me stress. Also, if I were selling it would be because I needed the cash for some reason and these are the most expensive points I own. Lastly I am finding that I am enjoying WDW more these days than DL, this may change in the future after DL forward but I am more of a right now than a future person. If DVC offered a better AP for CA I may go there more than I do now. The sorcerers pass is so affordable it makes it a no brainer.

BWV would be next because now that I am an owner I see that even owning there doesn’t make booking easy even at 11 months. It so hard you I can’t even start a walk. Very sad since I adore this place and being there makes me so happy.

Next I would sell my baby AUL-S contract (50 points) followed by my other smaller AUL-S contract.

Next CCV. Hurts to think about it. Not because I love the resort a ton but that point chart!

Next would be my direct VGC

Next would be my last largest AUL-S contract

Last would be my VDH points due to them being direct and being that I sold all my VGC.

 

[intamin]

I don’t want to sell any. If I’m selling, I’m probably selling all of them.

That's the point, nobody WANTS to sell anything, or at least most of us don't but when push comes to shove.. which ones are you letting go of first

 

[atthebeachclub]

That's the point, nobody WANTS to sell anything, or at least most of us don't but when push comes to shove.. which ones are you letting go of first

I really don’t know because I probably need all these points. It’s pretty all or nothing.

I guess I have to sell my little BCV (100) first since it’s resale, then slowly sell VDH from smallest (51) to largest (59). Then sink into a deep depression.

 

[davidhr]

130pts SSR resale: Currently being sold.
100pts BLT resale: love it but can access 1BRs at 7 months.
64pts AUL subsidized resale: with bank and borrowing it lets me book a studio for a week. But I can get rid of it if necessary.
114pts PVB direct: it’s a FW week and I like the direct points.
75 pts RIV direct: I have 2 contracts and I can get rid of one and maintain benefits.
100 CCV resale: currently ROFR. My favorite resort. Switching SSR for this one.
75pts RIV/75pts CCV direct: These give me direct benefits. If I get rid of one of these I’m selling both as that means I’m done with DVC.

I plan on getting LSL and that should be between RIV/CCV in the order. I’m not going to say “never”, but after that one I should be done with what I need/want.

 

[tx911]

1. CCV 25
2. RIV 75
3. RIV 75
4. VGC 50 (resale)
5. VGF 150
6. VGF 150

This would leave 100 VGC, 200 RIV, 125 CCV, and 150 VGF. It would be ugly moving forward, because this is my “floor” to still have plenty of great trips to all my homes.

7. RIV 100
8. VGC 50 (resale)
9. CCV 125
10. VGC 50
11. RIV 100
12. VGF 150

I mostly have everything split into smallish contracts, so I would try to hold each resort for as long as possible.

 

[cruisehopeful]

50 point Poly resale because it's my least useful contract.

75 point Poly direct because I live in California and it's too far to drive to.

160 point VGC resale because I can't use the points at VDH.

150 point VDH direct because TOT.

100 VGC direct only because it's the last one standing.

 

[juliebee]

I just have the two contracts, but the order of sale would depend on the amount of money needed I guess. My BRV contract is worth around 50% of the resale value of PVB. If it was financial thing, my first choice would be to rent out the points and hope whatever dire situation happened would be temporary.
However, if it's a physically can only travel once a year reason to sell, then I'd sell the resale BRV first. The PVB contract gives me more options since it's direct and it is also a favorite week at my preferred travel time, so keeping it protects my most important travel priority.

 

[Wedgeout]

Ouch like picking which child.

1. BCV resale 225
2. VDH direct 67
3. OKW direct 125
4. VDH direct 88

 

[JackosinDIS]

I would let my BLT 160 go first. Only because I don’t need the priority there for 1br villas.

Then my 2 small Poly resale contracts. They are in a different membership to my direct Poly points. It’s worked fine so far, but need to tidy up.

Next the small BWV contract. As @VGCgroupie says, it’s a PITA to book there if you are going for studios. I only have enough points for a studio otherwise I would keep. Probably need to get on and sell this before we’re under 15 years left.

There’s a few in between, but the ones I would hold on to until the bitter end would be my direct Poly points (FW 39 plus a few extra), and my CCV resale.