Disney Vacation Club Trip Planning Guide - Contents
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Disney Vacation Club Trip Planning Guide
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Brian Bennett
Disney Vacation Club Planning Guide

Introduction
Forward

The Program:
What is the Disney Vacation Club?  |  Is the Vacation Point Purchase Tax Deductible and Deeded?  |  What is the DVC "Use Year?"  |  What is your "Home Resort"?  |  What is the DVC's Record on Maintenance Fees?  |  How do Can You "Spend" Your Vacation Points?

The Great Debate:
What's the Opposing argument?  |  An Internet Debate on the DVC  |  A Financial Analysis of DVC Membership  | 
Comments on A Financial Analysis of DVC Membership  |  Another Financial Analysis Comparing OWKR, BVR, and VWR

The Resort Facilities:
What Are the Resort Accommodations Like?  |  Disney's Old Key West Resort  |  Disney's Boardwalk Villas Resort  |  Disney's Vero Beach Resort  |  Disney's Hilton Head Island Resort  |  Villas at Disney's Wilderness Lodge Resort  |  Disney's Newest DVC Resort Facilities

Other Options:
The Disney Collection  |  Concierge Collection  |  Adventure Travel  |  Interval International

DVC Point Chart Index:

Wrap-Up:
Disney Vacation Club Summary  |  How to Contact the Disney Vacation Club  |  DVC Resellers

What is the Disney Vacation Club?

The Disney Vacation Club is a company, wholly owned by the Disney Company, that operates as a pseudo-time share operation. The way it works is this:
  • You purchase a number of "vacation points" as a one-time purchase. The current cost of points is approximately $65/point with a minimum purchase of 150 points. It is possible to finance this purchase, and the interest is currently deductible as a Federal income tax deduction.
  • You are also charged an annual dues fee which varies depending on the number of vacation points that you purchased. Currently this fee is less than $3.00 per vacation club point held by the member. One major concern is that this fee has been rising at a rate 2-3 percentage points above inflation. If that trend doesn't stop, Disney may very well force some current DVC owners out of the program.  (Note:  Old Key West Members had a decrease in maintenance fees in 1999 and 2000!)
  • You receive an additional full allotment of vacation points each year. You can "spend" them in several ways, or you can "bank" them to use the following year. Also, if you need extra vacation points in any given year, you can "borrow" points from the following year. The fine-print rules for banking and borrowing are pretty detailed.
  • The program ends in the year 2042. As of that year, you will no longer receive vacation points on an annual basis. This is why you can't consider buying Vacation Club points a real estate investment -- you won't own anything at the end of the program.

Advantages of Becoming a Club Member

Membership in the DVC is not an investment, rather it's a pre-paid vacation program. As long as you think of it from that perspective, it's easier to understand why one would pay so much money for a "timeshare" that "disappears" in the year 2042.

The great advantage of the Vacation Club is the flexibility of the point program. As it is set up, members are able to change the dates of their trip every year as their schedules and needs change. There are many point-based time share properties in the world, Disney didn't invent it. However, in my opinion, Disney certainly selected the best way to handle it's time share properties.

 

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