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  • Avatar Cmarai 
    Participant
    Status: Physician
    Posts: 8
    Joined: 02/08/2017

    Fellow Disney family here. Have 3 kids all under 4. Bought 2yrs ago at Copper Creek. It’s not gonna make great financial sense, but not terrible either. It’s only terrible if you finance thru Disney, think the APR on interest was in 10-14%range.

    Some things to ponder:
    -For better or worse, you pretty much have to use your points q 2yrs. You can “bank” your pts for this year and have double for the next year. But you can only “bank” points for 1 yr before they expire. Oh and they don’t bank automatically, you have to go to website and do it.
    -There is a resale market, if your kids/you grow tired of or outgrow it.
    -The transfer partners/hotels you can sty with usually aren’t good value compared to using points at Disney properties.
    -You can use pt’s at Aulani and for Disney Cruise, not just at parks.
    -You’re paying for nice/luxury hotels. If you’re someone who doesn’t like to splurge on a nice hotel or relax at one, might not be right for you. Or if you’re a family who’s going to parks all day and will only be in room for sleep/shower, might not be worth it. Just stick to value hotels.
    -You’ll have washer/dryer in room. With kids that’s nice. Also, you have a full kitchen. So you can get groceries and prepare meals, to save some money on meals. Or just to keep shenanigans/tantrums indoors.
    -you get some minor discounts and some exclusive things for being a member or staying on property.
    -Small detail: there’s no maid service daily. Think it works out to q3days maid service. I didn’t know this until first stay. So you just can’t make a complete mess of the place.

    It’s a personal decision. I thought it worked for us. We have small kids, love Disney world, have friends who love Disney land and live in LA, my wife’s from Oahu (so we’ll visit Aulani a few times i’m sure) and love Disney Cruise.

    in reply to: DVC – Disney Vacation Club #243257 Reply
    Avatar Cmarai 
    Participant
    Status: Physician
    Posts: 8
    Joined: 02/08/2017

    Lifelong golfer and golf fan here. Went last year, 2019, for Thurs/Friday with a med school buddy. Went through an event planning company and stayed at a local hotel. There’s not much hotel wise in the area so a lot of folks rent houses. Traffic looked bad near the course but looked to be plenty of parking. So I’m not too much help for you on hotel/traffic.

    I will echo everyone above. We had a blast and you’re sure to have one too. The course is all you ever dreamed of. The whole tournament is so well run, it’s ridiculous. They’ve thought of everything.

    Some tips:
    -There’s 2 merchandise shops: main one is right when you walk in, that has everything. There’s a second, less crowded and almost as well stocked off right of #5. Also, you can ship all merchandise right there from course, so you don’t have to walk around course with giant merchandise bags. Or just buy on your way out of course.
    -would walk course early to get lay of the land and see what shots these guys are actually hitting. Then can go watch interesting guys or areas.
    -I hear the par 3 is cool but didn’t see that side of course or event.
    -cool places we liked to watch golf: right side of 3 green, back of 2 green (central location on course), below tee or back of 6 green, 7green. 9green/1 tee, 10 green (quiet little spot), 11 near as possible to green or 12 tee (but get there early), 16 (where everybody goes), 17 tee (we camped here Friday, if you get a nice spot you can see 16 green and see 17 tee shot).

    in reply to: 2020 Masters #231123 Reply
    Liked by Cmarai
    Avatar Cmarai 
    Participant
    Status: Physician
    Posts: 8
    Joined: 02/08/2017

    Agree with Fasteddie. My wife’s from Oahu and we visit yearly. Her favorite is Big Island. I’ve only been to Kauai and Oahu. Honolulu/Waikiki are never in our plans when we go back and visit. Very touristy and not the nicest city. Traffic is also terrible.

    Thought Kauai was great, but definitely not as much entertainment/restaurants as Maui. The Napali coast and Waimea canyon by helicopter is a must-do.

    in reply to: First time visiting Hawaii #161367 Reply
    Avatar Cmarai 
    Participant
    Status: Physician
    Posts: 8
    Joined: 02/08/2017

    It’s similar to what state employees (…and state politicians) retire with.  I’m sure our pension is a result of some shady, backroom deal from a state legislator back in the day.  Powerful state legislators and previous governors often work out these sweet deals for their respective parishes (counties for the rest of you WCI’ers), probably to the detriment of other parishes and definitely to the state as a whole…I’m just reaping the benefits.

    in reply to: How to Value or Plan for Employer Pension? #69496 Reply
    Liked by Craigy
    Avatar Cmarai 
    Participant
    Status: Physician
    Posts: 8
    Joined: 02/08/2017

    I also have a state sponsored pension plan at my new job. 8% of my pre-tax income is going to pension. 7 yrs to be vested. 3% increase yearly, so after 30yrs could retire at 90% of the average of 3 highest annual incomes.

    I have a question- would you guys still save and invest 20% of your income in addition to this pension plan? Or maybe 10-15% range?

    in reply to: How to value a pension in retirement planning? #40486 Reply
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