Does DVC still allow for the 90 days spread out payments? If so, can someone explain how that works. I had not heard of that before. I had heard about the 6 months w Disney Visa.
Also, can you use Disney Gift Cards at all with direct purchases?
I wouldn’t finance a $40,000 car either.A lot of people say only pay cash but they have no problem financing that $40k car they don’t need. If you want DVC and you can afford the payment there is nothing wrong with financing.
A lot of people say only pay cash but they have no problem financing that $40k car they don’t need. If you want DVC and you can afford the payment there is nothing wrong with financing.
I need the time share. Lol. Now that I have a glimpse of how many more trips I can take at better places. We’re Staying at aulani in one bedroom ocean front. Think I saw before discounts paying cash would be 1500-1700 a night. Yeah I’ll gladly pay the 300 a month payment. Otherwise would never stay there.This is a weird take. I would say a car is *usually* a need, and a $40,000 car is even cheaper than average as far as cars go, at this point. I mean, if my 2007 Honda CRV died tomorrow, I'd get another one, and it would probably cost close to $40,000. I'd need to finance at least part of that.
I'd agree with you if you said an $80,000 car, because at that point, its probably a luxury car and no one needs that. But no one ever NEEDS a timeshare. It's fully an optional purchase.
I am not a proponent of financing a product like DVC.
My comment is not targeting you specifically, and I'm not really sure if this is insulting or complimentary. But your comments seem to me that, if you are someone who doesn't need to finance a vehicle in today's current economy - when almost every middle class American has to finance a car - that speaks to the affluence of some DVC owners.I wouldn’t finance a $40,000 car either.
My economic situation is great now. Better than it’s ever been.My comment is not targeting you specifically, and I'm not really sure if this is insulting or complimentary. But your comments seem to me that, if you are someone who doesn't need to finance a vehicle in today's current economy - when almost every middle class American has to finance a car - that speaks to the affluence of some DVC owners.
I don't know if DIS posters are especially affluent, or just that most DVC owners are especially affluent, but if that's the case, then that will probably affect their opinions on financing DVC.
i.e. if you are richer than most people, then that's certainly going make financing less needed for you, individually.
Well, I am not affluent, and I financed DVC because it seemed like a sound investment that also "forced" us to take yearly vacations, which is something that I wouldn't do otherwise. We did finance - although it was 2 years ago using a HELOC loan with much lower than current interest rates - and I don't regret it whatsoever at this point.
I don't know if DIS posters are especially affluent, or just that most DVC owners are especially affluent, but if that's the case, then that will probably affect their opinions on financing DVC.
This is a weird take. I would say a car is *usually* a need, and a $40,000 car is even cheaper than average as far as cars go, at this point. I mean, if my 2007 Honda CRV died tomorrow, I'd get another one, and it would probably cost close to $40,000. I'd need to finance at least part of that.
I'd agree with you if you said an $80,000 car, because at that point, its probably a luxury car and no one needs that. But no one ever NEEDS a timeshare. It's fully an optional purchase.
If you want to talk bad financial decision let’s talk buying a brand new car haha … maybe a conversation for another time.This is a weird take. I would say a car is *usually* a need, and a $40,000 car is even cheaper than average as far as cars go, at this point. I mean, if my 2007 Honda CRV died tomorrow, I'd get another one, and it would probably cost close to $40,000. I'd need to finance at least part of that.
I'd agree with you if you said an $80,000 car, because at that point, it’s probably a luxury car and no one needs that. But no one ever NEEDS a timeshare. It's fully an optional purchase.
I totally agree, and I will say that we went in assuming that we would never sell, or get $0 per point to sell, and we were still okay with it because the financing won't break us and the product is worth it.True but I think the general thought is that whether people finance or not is a personal decision and what may be wrong for one person is not for someone else.
My only advice is that people need to be comfortable with all the what ifs and that if they had to sell, they know what they will do and that financing makes things different.
I totally agree, and I will say that we went in assuming that we would never sell, or get $0 per point to sell, and we were still okay with it because the financing won't break us and the product is worth it.
If you want to talk bad financial decision let’s talk buying a brand new car haha … maybe a conversation for another time.