ehh
the sound a shrug makes
- Joined
- Aug 3, 2019
- Messages
- 1,297
For VDH specifically?Question for the collective group:
What’s the better move on 160ish points?
1) Fixed Week that you might not ever use
2) Small contracts for higher resale residual with extra $400 closing cost per contract
3) Going up to 200 for more incentives
4) Other
1) I wouldn't put much hope in FW value bumps in resale in the future, a week is currently an abnormally long time to visit DL for most visitors. On top of that, in this point range you're looking at a Studio that is likely easy to book for an owner, with the room balance at VDH.
2) I wouldn't put much value in higher resale residual today considering you're looking at 160ish. 160ish is already reasonably sized and time value of money and all that.
2b) I would consider breaking into smaller pieces so you have point-shedding flexibility in the future (e.g., if you only need 120 in the future, buying a 120 and a 60 today means you can right-size fairly well)
3) As you've posted immediately above, incentives at 200 aren't that much better, so increasing for value won't result in much value gain
4) You should probably buy 10+% more points than you thing you need today, as who knows what future points charts will morph into. Even more than 10% if you're buying for a holiday-variable time of year or immediately adjacent to a higher season.