Hi. I apologise up front if my questions are going to appear 'obvious' to DVC experts, I guess they will. If I say that I come from the perspective that I actually booked a day off work to sit at the lap top and try and understand DVC and have only just (I think), wrapped my head around the most very basic principles perhaps you will all bear with me......
Am I correct that you pay an up front cost and then annual dues for a (long) period of time, based on a set number of points, a minimum of 160.
Does anyone have any information on that up front cost? I cannot find anything more recent than a 2008 example.
Which resorts are still selling new?
Where is the best place to go to see the cost of annual dues per point (I have no idea if that is the right language) for 2013.
Where are the reputable places to buy resales from? It seems to me that this is just a better financial option. I am aware, I think, of the disincentives about fewer benefits and less none Disney resort to stay at, but I am only consdiering this for WDW holidays so I think that's probably a none issue for me.
Some principles I think will give helpful perspective about my personal circumstances. I think I can afford to pay the up front cost without borrowing, but without having an accurate account of what this is I can't be sure. My plan to use a DVC would be for a 14 day holiday every other year. I am a little unclear what my annual costs would be as I am not sure I have properly understood the annual dues/points relationship. I am thinking that I buy 'x' points per year, the cost of which goes up, and these are the annual dues. I think we would need a minimum of 270 points bi-annually to stay for 2 weeks, so 135 per year, but this is where I go into head mash as this seems to be less than the minimum buy in.
Please assume I know nothing, be patient, and offer any advice you can.