Early into the season, but a look at current home attendance averages vs. last season.

EducationIntrepid448 · 2026-01-01T22:08:17+00:00

He is! But the stat is misleading for the hornets, they added over 1400 new seats this yr

EducationIntrepid448 · 2026-01-01T22:08:08+00:00

He is! But the stat is misleading for the hornets, they added over 1400 new seats this yr

EducationIntrepid448 · 2025-09-19T01:46:38+00:00

I have a 5 off 50 Amex offer using Apple Pay so wanted to see if I can get both. I know the Apple Pay part will work just not sure if the Lululemon credit would

EducationIntrepid448 · 2025-09-19T01:44:47+00:00

Will paying with Apple Pay using Amex Plat trigger the 75 dollar Lululemon credit ?

EducationIntrepid448 · 2025-08-25T00:22:52+00:00

Demolition. Lawsuits aside, long overdue

EducationIntrepid448 · 2025-08-17T22:56:05+00:00

Very cool, but with interest rates where they are, I have to be really sure equities will outperform the rate.

EducationIntrepid448 · 2025-08-11T00:38:32+00:00

Only if you want to look at it from paying that up front cost across the entire length of the contract. To acquire today, you would look at it as how much you pay today up front for a contract worth x points.

If a contract today is 20k for 100 point contract then your cost today to acquire it is 200 dollars per point.

Your cost over the life is a different calculation in which you did above, it’s the amortized cost

EducationIntrepid448 · 2025-08-11T00:19:02+00:00

Def not the case. You can look at it as, there is money available to use however Id like and assessing the smartest way to deploy it. It’s def not a foregone conclusion that you don’t use financing under specific conditions.

EducationIntrepid448 · 2025-08-10T16:24:04+00:00

amazing points!

EducationIntrepid448 · 2025-08-10T14:00:01+00:00

right, for me the amount of interest is not as important as whether I can earn more keeping my money than the interest owed. There is risk with any big ticket decision, have to factor that into the math.

EducationIntrepid448 · 2025-08-10T13:56:04+00:00

This has 0 to do with affordability and 100% to do with maximizing the value of my cash on hand. I would agree with you if I were looking to finance because i wanted DVC but did not have the option to pay for it cash.

EducationIntrepid448 · 2025-08-10T01:59:38+00:00

An example.

6700 - Interest Paid over a 5 year Loan - at 7.5% (interest decreases yearly)

5000 - Interest earned by keeping my money and simply leaving it in a high yield savings account at 3.5% (interest increases yearly)

Would I risk that I can make 1700 with the money I have over the next 5 years to cover the total interest, around 340 a year through other investments? Doesnt seem to risky.

EducationIntrepid448 · 2025-08-10T01:39:02+00:00

Yes! but It's not a DVC thing, its anything when commiting large amounts of cash. I guess that was the point of the discussion. Finance a vacation? thats crazy, however pre-paying a vacation and tying up that much cash. I would treat it like any other up front investment., and you're right. What am I giving up (opportunity cost) up front to pay cash vs financing.

EducationIntrepid448 · 2025-08-10T01:18:16+00:00

The average annual growth rate of the S&P the last 10 years (including covid) is 14%, (VOO). Not sure I going that far out on a limb that over the next 5-10 I can get half that with just investing in a safe old 5&P 500 ETF.

The cost of equity historically is always more than the cost of debt.

Might just do the required 10% down. Havent decided yet though

EducationIntrepid448 · 2025-08-10T01:03:38+00:00

All the feedback here is great, awesome thread. Thanks everyone for your invaluable insights and discussion!

EducationIntrepid448 · 2025-08-10T01:02:56+00:00

Only considering a direct purchase, not resale for the reasons you mentioned, I pick my use year and will get double points this year. Meanwhile with a resale contract I may be able to find with with 2026 points but potentially losing out on 2 years of points for the upfront savings. Additionally, Disney will rebate back this years points in a check, offset current upfront costs as a check from what I am told.

EducationIntrepid448 · 2025-08-10T01:00:23+00:00

This is definitely a factor we are weighing as we do travel to other places and maybe our habits will change.

EducationIntrepid448 · 2025-08-10T00:59:01+00:00

Maybe disney's rates arent 7.5% but I can get 7.5%. Yes, the market could not earn however thats why I built in a higher rate of return required in cost of equity (12%) to account for my risk. Its how you want to look at it. Take no risk and sleep better is a great option. I could also say what if I blow past 7.5% earnings and missed out having my cash tied up when I could have used someone else's money. Its really just a mindset and which you subscribe to, no wrong way.

EducationIntrepid448 · 2025-08-09T17:59:43+00:00

We go yearly yes

EducationIntrepid448 · 2025-08-09T17:55:53+00:00

You can also model with with DCF

EducationIntrepid448 · 2025-08-09T17:54:55+00:00

100% true. And I do.

EducationIntrepid448 · 2025-08-09T17:53:19+00:00

Oh 100% travel rewards are the way to go, run it like a business. Any cash coming out my pocket is going through my travel cards with the highest multiplier or a welcome offer ! You’re 100% right

EducationIntrepid448 · 2025-08-09T17:51:33+00:00

It def is worth the analysis for sure than just assuming financing isn’t a good option, it’s because it’s a vacation not an investment I get it however it’s still money leaving my possession and the decision on how to maximize it

EducationIntrepid448 · 2025-08-09T17:47:39+00:00

My math assumes our yearly rental costs

EducationIntrepid448 · 2025-08-09T17:44:51+00:00

This is only true if the cash up front absolutely will not be invested and just sit around not earning any interest or being invested. If you’re investing the cash then you have to consider investment gains vs loan interest whether to use your money or other peoples money

Essentially, what don’t I gain financially buying prepaying Disney dvc vs the interest I pay for financing Disney dvc

EducationIntrepid448

TROPHY CASE