why is dvc worth it in the long run? - The DIS Discussion Forums

amypetecar · 12-09-2012, 09:38 PM

I think resale makes alot of sense financially, direct not so much.

Other posters did a great job comparing the financials vs. non dvc disney hotels.... Heres another way to look at in terms of what your points are worth. I always think of the purchase in terms of "how long until i reap the benefit of only paying dues?"

Buy a 200 point resale contract at the boardwalk for $55 per point.
Up front price is 11K (plus $500 closing costs)
You could rent the points fairly easily for $11 per point even if you decided to never take a single vacation.
You will pay roughly $6 per point in dues, netting a $5 per point profit.
You have to rent 2300 points to break even on your principle, or 11.5 years worth of points, thus leaving you with almost 20 years of vacation points for only the dues.

Run the same numbers vs. direct at $130 per point direct
Principle is now 26k
Youd have to rent 5200 points or 26 years worth until you break even.

Am i suggesting you buy resale to make money off renting points? Of course not, but i think it does help to put in perspective what your break even point is.

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12-09-2012, 09:38 PM	#22
amypetecar DIS Veteran Join Date: May 2008 Posts: 599	I think resale makes alot of sense financially, direct not so much. Other posters did a great job comparing the financials vs. non dvc disney hotels.... Heres another way to look at in terms of what your points are worth. I always think of the purchase in terms of "how long until i reap the benefit of only paying dues?" Buy a 200 point resale contract at the boardwalk for $55 per point. Up front price is 11K (plus $500 closing costs) You could rent the points fairly easily for $11 per point even if you decided to never take a single vacation. You will pay roughly $6 per point in dues, netting a $5 per point profit. You have to rent 2300 points to break even on your principle, or 11.5 years worth of points, thus leaving you with almost 20 years of vacation points for only the dues. Run the same numbers vs. direct at $130 per point direct Principle is now 26k Youd have to rent 5200 points or 26 years worth until you break even. Am i suggesting you buy resale to make money off renting points? Of course not, but i think it does help to put in perspective what your break even point is.