My biggest complaint on the Disboards IN GENERAL is that people always feel the need to put people in their place. It's a small comment here and there, but then the phrase "WELL, I DON'T CARE. IT'S THEIR MONEY" always comes next.
Well, if you don't care - why does everyone feel the need to point it out in the first place??
"Buying direct is stupid, you should only buy re-sale, you should never finance, you should always ... blah, blah, blah....BUT I DON'T CARE. IT'S YOUR MONEY"
Then keep your opinions to yourself. Unless someone specifically asks "Need opinions - is buying direct stupid, is buying re-sale the best way, is financing a bad idea" Then feel free to give your opinion on that matter.
I believe that the title of this thread was not "Is financing a good idea"
Just speaking for myself of course...since these are discussion boards, I'll discuss it when it comes up and seems appropriate. There is one reason why I will almost always add a qualifier like "it doesn't matter what people do with their own money": to head off the otherwise inevitable responses of "it's none of your business! Why do you care what someone else does with THEIR money!!!" That's it. I've been on message boards enough to know that even things that seem like they should be self-evident often aren't. So I throw that in there.
And to be honest with you, I do worry about hurting feelings or making people feel bad about a decision they've already made. I really don't want that, and I know that is a risk. But I know there are also people who are considering it (e.g., financing a purchase through Disney), and I'd like to present a rational case for why I think that isn't a good idea in case they haven't considered it that way. Not--NEVER--"you're stupid, everyone knows financing a timeshare is dumb", but a logical explanation of the reasoning. With regard to financing a timeshare purchase, again I don't want anyone to feel bad, but I feel strongly that it is almost always a very poor financial decision. If someone in my family or I knew and cared about were going to do this, I would just about chain myself to their car to get my point across. That's how strongly I feel about it and how it would matter to me if it were someone I actually knew. But its just a message board, so all I can do is explain my reasoning. I don't think I've ever said or implied that someone who does this is stupid and I don't just assert it as a fact, I'd rather explain my reasoning. It is the same kind of thing I like to read from people who hold a different perspective on any issue. Tell us why you think what you do, and it is always an interesting discussion, IMO.
But I do apologize for any hurt feelings, because that really is not only not intended, but something I hope to avoid.
