Yes I did factor in lost interest ( and cost of borrowing) and I calculated I'd break even after 6 trips. Since that time it costs me my dues ( about $800 a year ) to be able to have 20 days of top quality accommodation. I think that is a very good deal. If you only go every 3 years it will take you a little longer to break even.
IMHO you can't use figures like 10% as a potential return in the stock market because that is only a guess and as most brokers literature says the cost of your investment can go down as well as up !!. You can only use either a fixed borrowing figure or something like a CD which GUARANTEES your return. I think 6-7% is a fairer figure.
Granted the cost of DVC has risen since I bought in , but then so has the price of hotel rooms !! I think the numbers still work.
IMHO you can't use figures like 10% as a potential return in the stock market because that is only a guess and as most brokers literature says the cost of your investment can go down as well as up !!. You can only use either a fixed borrowing figure or something like a CD which GUARANTEES your return. I think 6-7% is a fairer figure.
Granted the cost of DVC has risen since I bought in , but then so has the price of hotel rooms !! I think the numbers still work.