Winter Dec 25 - Jan 26 Direct Incentives

[airjay75]

I’m torn. Im having a hard time justifying $20k for perks.

Well, the spread on resale CCV vs. direct CCV with this current round is probably somewhere around $74/point ($209 direct with MB vs. $135 resale average). On 150 points, that is just over $11k. If you'll buy the Sorcerer Pass APs or take advantage of direct discounts, that could pay for itself fairly quickly. And, you'll be able to use those points at RIV/CFW/LSL/VDH. If I weren't already blue card, I'd personally find it pretty attractive (unless you prefer Poly or RIV direct points). But, if those benefits aren't worth it, then resale is still a better deal.

 

[airjay75]

So is it known what other discounts there are for Poly? Is there D23? Castaway Club? Visa? Anything besides MB?

I would presume the $500 D23 Gold is still available for Poly through 12/31. Haven't heard of any other discounts beyond that.

 

[intamin]

I would presume the $500 D23 Gold is still available for Poly through 12/31. Haven't heard of any other discounts beyond that.

Is it expected to end after 12/31?

 

[Chili327]

Im a red headed cousin (resale only ; non Eligible to Extras).

I’m thinking of buying 150 CFW direct and selling 120 SSR.

Why should I not do this? Please talk me out of this. Please.

The dues.

Did want to add I priced out the cabins last night and was like wow that is so cheap!! (Points to stay, not buy)

Yep, dues alone make it a hard to justify, so unless you can justify the need I’d say it’s a hard pass… especially when you can stay in the cabins on CCV (or RIV, Poly, etc) points.

I’m torn. Im having a hard time justifying $20k for perks.

This is the way… to kill fomo.

 

[AstroBlasters]

Im a red headed cousin (resale only ; non Eligible to Extras).

I’m thinking of buying 150 CFW direct and selling 120 SSR.

Why should I not do this? Please talk me out of this. Please.

Why the red head shade?

 

[DisneyFanSea]

I think the same thing every time I see a PVB contract show up on the ROFR thread. I just don't really get it.

I really don’t understand why anyone would buy VDH resale at the asking prices when you combine incentive, $1500, & Magical Beginnings.

It can make sense. It made sense for us as purchasers of resale points at both VDH and PVB. But I guess our situation is unique in that prior to going resale, we already had 330 in direct pvb/vdh points, which to me is enough to visit the other 15 dvc resorts for most weeks in a 1 bedroom. However in our case we love VDH and PVB so we have no issues having our home resort there, including factoring VDH's resale restrictions. As such, our remaining 545 points in VDH/PVB are resale. Going resale for those points have saved us roughly $30,000 upfront, more considering some of them were double point contracts. If we decide to keep the contract over its entire life, opportunity cost if we had gone direct with those resale points would be $1.054M ($276K if factoring 3% inflation) factoring stock market growth of 8%. Looking at it another way, going resale for PVB/VDH allowed us to purchase an additional 143 more points if considering they are on average $210 per point.

 

[AstroBlasters]

It can make sense. It made sense for us as purchasers of resale points at both VDH and PVB. But I guess our situation is unique in that prior to going resale, we already had 330 in direct pvb/vdh points, which to me is enough to visit the other 15 dvc resorts for most weeks in a 1 bedroom. However in our case we love VDH and PVB so we have no issues having our home resort there, including factoring VDH's resale restrictions. As such, our remaining 545 points in VDH/PVB are resale. Going resale for those points have saved us roughly $30,000 upfront, more considering some of them were double point contracts. If we decide to keep the contract over its entire life, opportunity cost if we had gone direct with those resale points would be $1.054M ($276K if factoring 3% inflation) factoring stock market growth of 8%. Looking at it another way, going resale for PVB/VDH allowed us to purchase an additional 143 more points if considering they are on average $210 per point.

Yeah, but you are combining VDH & PVB.

I can’t justify VDH resale.

Compared to putting it in the stock market you probably wouldn’t buy into DVC at all.

 

[DisneyFanSea]

Yeah, but you are combining VDH & PVB.

I can’t justify VDH resale.

Our VDH resale actually accounts for more per point savings than our pvb resale including when compared to direct with VDH incentives.

 

[DisneyFanSea]

Compared to putting it in the stock market you probably wouldn’t buy into DVC at all.

Not sure what this comment means. Everything has opportunity cost. Buying resale allowed us to keep approx $30,000 more invested instead of selling it and spending it on direct points.

 

[Sprinkles&Sprints]

I thought I was sure. Maybe @Sprinkles&Sprints knows for sure.

I haven’t asked about CCV FW in about two years and even then it was for specific weeks - the answer had been no. Sorry I’m not more help here!

Worth confirming again if interested although many of the more popular weeks - especially in Nov/Dec - didn’t fare well when the FW point charts were rebalanced. Studio examples:

Weeks 48-50: 118 -> 135
Weeks 51-52: 161 -> 199


Current FW Point Charts:

Thread 'All About Fixed Weeks (RIV/CCV/AUL/VGF/POLY/TOWER/VHD/FWC Charts)'

Jul 8, 2020

Be aware allowing your FW to be booked may mean you will not be able to bank the point difference between normal booking points and FW points. (More information thread)

Most Recent FW Charts last updated - October 2024

You can find historical Fixed Week Point Charts at this post (Post #9 below) and this post (Post #13 below)

If you have any updated FW point charts drop them and tag me and I will look to update.

Note that some suggestions may have changed in the first 19 pages of this thread based on the change from Fixed Weeks to...

• sethschroeder
• ccv fixed week guarenteed week poly riviera vgf
• Replies: 1,823
• Forum: Purchasing DVC

• 
• 

Historical FW Point Charts:

Post in thread 'All About Fixed Weeks (RIV/CCV/AUL/VGF/POLY/TOWER/VHD/FWC Charts)'

Jul 8, 2020

Historical FW Point Charts Attached

Fixed week cost is based on date of purchase. For exact date of change this is currently not tracked but I am happy to add if you provide reference to the dates.

Removed Previous Post

• sethschroeder

• 

 

[AstroBlasters]

Not sure what this comment means. Everything has opportunity cost. Buying resale allowed us to keep approx $30,000 more invested instead of selling it and spending it on direct points.

If you want to use an 8% cost of capital when making your discretionary vacation spending, then do as you wish with your own money.

I don’t commingle my vacation budget dollars with my investment dollars.

I’m looking at VDH resale priced in the $160-170 range vs around 200 direct after incentives and find the resale pricing ridiculous. I’ve seen Rivera near $100-$110pp resale… that makes more sense to me.

I also just wouldn’t buy a contract restricted to a single resort… ever…

That doesn’t mean that I’m saying that no one should… do whatever you think is best with your own money.

 

[DisneyFanSea]

If you want to use an 8% cost of capital when making your discretionary vacation spending, then do as you wish with your own money.

I don’t commingle my vacation budget dollars with my investment dollars.

I’m looking at VDH resale priced in the $160-170 range vs around 200 direct after incentives and find the resale pricing ridiculous. I’ve seen Rivera near $100-$110pp resale… that makes more sense to me.

I also just wouldn’t buy a contract restricted to a single resort… ever…

That doesn’t mean that I’m saying that no one should… do whatever you think is best with your own money.

Separation between investments and vacation money, it makes sense if you are talking in regards to retirement funds. But I’m talking about liquid assets outside of maxing out tax advantaged retirement accounts. Obviously we wouldn’t hold a significant amount of cash past monthly expenses and emergency funds in a low interest bearing savings account. So large expenses such as the initial payment on DVC points would always be from selling from a brokerage account. In either case, the DVC purchase still accounted for less than 5% of our liquid assets, even then we would not want to unnecessarily spend more for additional direct VDH point if we didn’t intend to use them elsewhere.

Our VDH resale contracts were double loaded and in the $140s range per point, not at $160-$170s. Not as low as Riviera but at same time the two aren’t exactly comparable given limited DVC options in DLR and upcoming DiseylandForward plans. I think if we ever planned to sell our resale, we would be able to get pretty close to our purchase price; unlike our direct VDH points.

Fair enough point in not wanting to be restricted, financials aside that’s probably the sticking point for most people. But it is similar to VGC points where you wouldn’t want to use those points anywhere else given the cost pp.

Anyways yes our money our choices but also wanted share our perspective on it in case there are others considering the same, have the same preference towards VDH or PVB, already have direct points and are debating about doing resale for add-ons. Bottom line is that VDH (and PVB) resale can make sense for the right/certain people and at the right price.

 

[airjay75]

Is it expected to end after 12/31?

I think all we know is that it is only good through 12/31, but even that is based on some fine print that I don't think you can find online anymore. After that? Anyone's guess.

 

[airjay75]

It can make sense. It made sense for us as purchasers of resale points at both VDH and PVB. But I guess our situation is unique in that prior to going resale, we already had 330 in direct pvb/vdh points, which to me is enough to visit the other 15 dvc resorts for most weeks in a 1 bedroom. However in our case we love VDH and PVB so we have no issues having our home resort there, including factoring VDH's resale restrictions. As such, our remaining 545 points in VDH/PVB are resale. Going resale for those points have saved us roughly $30,000 upfront, more considering some of them were double point contracts. If we decide to keep the contract over its entire life, opportunity cost if we had gone direct with those resale points would be $1.054M ($276K if factoring 3% inflation) factoring stock market growth of 8%. Looking at it another way, going resale for PVB/VDH allowed us to purchase an additional 143 more points if considering they are on average $210 per point.

I agree, that strategy can make a lot of sense. I'd probably still have a tough time given the current differential between resale and direct on VDH and PVB, but then again, I'm someone considering upgrading my resale CCV based on about a $75/point differential . I quite appreciate your perspective as I think about whether I actually want to do that.

 

[tx911]

Why the red head shade?

As a VGF owner, I love redheads!

 

[AstroBlasters]

Separation between investments and vacation money, it makes sense if you are talking in regards to retirement funds. But I’m talking about liquid assets outside of maxing out tax advantaged retirement accounts. Obviously we wouldn’t hold a significant amount of cash past monthly expenses and emergency funds in a low interest bearing savings account. So large expenses such as the initial payment on DVC points would always be from selling from a brokerage account. In either case, the DVC purchase still accounted for less than 5% of our liquid assets, even then we would not want to unnecessarily spend more for additional direct VDH point if we didn’t intend to use them elsewhere.

Our VDH resale contracts were double loaded and in the $140s range per point, not at $160-$170s. Not as low as Riviera but at same time the two aren’t exactly comparable given limited DVC options in DLR and upcoming DiseylandForward plans. I think if we ever planned to sell our resale, we would be able to get pretty close to our purchase price; unlike our direct VDH points.

Fair enough point in not wanting to be restricted, financials aside that’s probably the sticking point for most people. But it is similar to VGC points where you wouldn’t want to use those points anywhere else given the cost pp.

Anyways yes our money our choices but also wanted share our perspective on it in case there are others considering the same, have the same preference towards VDH or PVB, already have direct points and are debating about doing resale for add-ons. Bottom line is that VDH (and PVB) resale can make sense for the right/certain people and at the right price.

I think you are heavily discounting what will come to DVC as part of Disneyland Fwd.

WDW people won’t really get this, but Disneyland people should be taking it into account, IMO.

 

[atthebeachclub]

I think you are heavily discounting what will come to DVC as part of Disneyland Fwd.

WDW people won’t really get this, but Disneyland people should be taking it into account, IMO.

What are you expecting? I’m sort of unsure what will likely happen!

 

[airjay75]

@AstroBlasters, is your argument that DL FWD might significantly increase DVC inventory at DLR, thus further depressing the resale value of VDH? Maybe even make it such that it isn't so difficult to book DL DVC at the 7-month mark? Which, that could mean, given the small spread between resale and direct at VDH right now, you're probably a lot better off buying direct VDH. That argument would make a lot of sense to me. Much different situation with RIV where resale value has already hit such a low mark that Disney is ROFR'ing it while in active sales.

 

[AstroBlasters]

@AstroBlasters, is your argument that DL FWD might significantly increase DVC inventory at DLR, thus further depressing the resale value of VDH? Maybe even make it such that it isn't so difficult to book DL DVC at the 7-month mark? Which, that could mean, given the small spread between resale and direct at VDH right now, you're probably a lot better off buying direct VDH. That argument would make a lot of sense to me. Much different situation with RIV where resale value has already hit such a low mark that Disney is ROFR'ing it while in active sales.

It’s not about resale value per se, it’s mostly the enjoyment of using the product for the discretionary vacation money being spent.

At WDW you know the trade off you are making and the resale value at $100-$120pp is somewhat reflecting that. We’ll have to see how people feel about it as the property gets “sold out” and starts to show some age. Most DVC rooms seem to get to a pretty crummy spot by year 14 before a refurbishment. If that’s the only place someone can go…. they might regret that they can’t trade out somewhere else and you could see contracts and point rentals flood the market.

With VDH, buying resale is buying a restricted product without even really knowing what you are giving up in the future…. but we know they are going to be building new theme parks and new hotels… and they only build DVC hybrid hotels now….so you are absolutely giving up something.

I mean heck… you can’t even use the points to go to Aulani or waitlist at Grand Cal today….

Now I’m making broad statements. Someone can come in and say “well, I have 1000 points and I added on 75 VDH resale because there are no direct incentives, I already have DVC-Y, and I can punt these points to every 3 years if I need to.” Cool…. everyone’s situation is different.

I’m trying to make a broad statement that will apply to a large addressable group.

IMO, there needs to be a material spread between resale and direct to make the additional pain of resale being worth it… and restrictions and lost access to future west coast resorts are not properly factored into today’s VDH reals prices at 150 point contracts and higher. The prices seem to be set by people with loans and how much they need to walk away with and pay off loan.

 

[Chili327]

I think you are heavily discounting what will come to DVC as part of Disneyland Fwd.

WDW people won’t really get this, but Disneyland people should be taking it into account, IMO.

Truth, I think it’ll be huge… some day. Whether I’m around to see all its glory or not, I bet it is amazing!