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  1. Matty B13

    Let's speculate about Polynesian some more!

    I'm sure someone will....... but it won't be Disney. :laughing:
  2. Matty B13

    Debt Dumpers 2024

    Try changing out the chips for pre-cut, pre-washed baby carrots...... at least once a week, once you get use to it, you can increase the frequency. I use to drink coke all the time, then I switched to flavored water, now I only drink water. This one change took several years, but now I can't...
  3. Matty B13

    Debt Dumpers 2024

    Completely understand, unfortunately our local bank only offers CD's or savings accounts with rates under 1%. We keep an emergency fund with them, but spread out our "Saving" money to Apple Savings and an investment account.
  4. Matty B13

    Debt Dumpers 2024

    An Apple savings account has a higher savings rate if you don't mind using them, with out the restrictions of a CD.
  5. Matty B13

    Do You Need to Own HHI for Spring Break?

    Or just use to swimming in Maine/Massachusetts water..... 🏊‍♂️ I have pictures of my girls going into the ocean in Maine in December.
  6. Matty B13

    Why do people take on so much debt?

    Currently UMass Amherst is just under $35k for tuition/room/board in state....... I graduated in 1997 and it was $12k. I'm not really happy with the ever increasing tuition and fees at UMass and especially the astronomical salaries of the Administration there. They blame the Legislatures, but...
  7. Matty B13

    Why do people take on so much debt?

    I think UMass Amherst is 40k now (In-State), but they have a D1-A Football Program now........ that losses almost every game. And a head coach that makes $800k/year. :sad2: Should have stayed at the D1-AA level or what every it was before.
  8. Matty B13

    Why do people take on so much debt?

    Sadly a lot of State Universities have lost their way and have raised their costs exponentially in the last 20 years. In Massachusetts the State Universities cost almost the same amount as the private schools, and are cheaper since you can usually get a scholarship to them. I have several...
  9. Matty B13

    Why do people take on so much debt?

    Difference is that business leaders just declare bankruptcy when it fails, but individuals have a much higher requirement to declare bankruptcy to get out of their debt. But I do agree that people who can't afford debt, taken it on anyways.
  10. Matty B13

    Updated Disney Gift Card Deals and More

    Been ordering them from BJ's for 4 years now and have never had a problem, if anything they are more secure because they have only been touched by BJ's employees. If there is a problem BJ's can't claim that they were tampered with by the public, and would have to send you a new gift card to...
  11. Matty B13

    Debt Dumpers 2024

    Try the library first...... then amazon.
  12. Matty B13

    Debt Dumpers 2024

    Sign up for Paper Statements, this way you can sit down and take a look at all the fees & interest rates on all your cards all at the same table and sit with your wife and you can both see what it is costing you.
  13. Matty B13

    ROFR Thread January to March 2024 *PLEASE SEE FIRST POST FOR INSTRUCTIONS & FORMATTING TOOL*

    I wonder if they will let people borrow points, but have them pay the dues on them? This way people with small contracts would be able to use their points for a "Last Grand Vacation?.
  14. Matty B13

    Updated Disney Gift Card Deals and More

    I use my Jetblue Card and take the points through them.
  15. Matty B13

    *The Official VILLAS AT DISNEY'S GRAND FLORIDIAN RESORT & SPA Owners & Lovers Group*

    https://www.wdwmagic.com/dining/1900-park-fare/news/08feb2024-disneys-1900-park-fare-reopening-to-feature-new-characters-and-fresh-decor.htm
  16. Matty B13

    Will a Rental Crackdown Reset DVC Resale Prices?

    Maybe this is the way to fix the Walking Problem, don't allow people walking to book their room till 7:05 am and not block it off like the system currently does. Then there would be no advantage to it.
  17. Matty B13

    ROFR Thread January to March 2024 *PLEASE SEE FIRST POST FOR INSTRUCTIONS & FORMATTING TOOL*

    I believe that the contract would have to be rewritten and then resubmitted to ROFR, pretty much starting the whole process over again. If you are only a few days in to the process it is worth it to just start over again.
  18. Matty B13

    Will a Rental Crackdown Reset DVC Resale Prices?

    I think this is already happening.......
  19. Matty B13

    Will a Rental Crackdown Reset DVC Resale Prices?

    It wouldn't cost DVC anything, it would come out of our dues. And I'm guessing they would not add any CM's to their staff to accommodate the increase in calls. People would just have to wait. I like the ability to do most changes on-line, but I think people use it way to much because it is...
  20. Matty B13

    Will a Rental Crackdown Reset DVC Resale Prices?

    But the walkers are the renters though in most cases picking up the best units on the best dates, so I actually think DVC will do something about it. You can't go on any Disney Facebook page now without a "Confirmed Reservation" post about a specific weekend, even the brokers/rental sites now...




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