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  1. cvjw

    Does shipboard medical take HSA?

    Our HSA has a pay yourself back feature. Pay onboard with a credit card. Pay yourself back out of the HSA for the medical charges.
  2. cvjw

    Grand Floridian Vs Disney Fantasy

    We had the same realization a few years back. We just cruise now. The parks are so crowded now, doesn’t matter when we visit. We hate the genie + and LL system - always have to be on your phone - just too complicated. And the cost of tickets and food at the parks is insane now. We had much...
  3. cvjw

    Upgrade at port with DCL?

    On our last 4 sailings on the fantasy, there was a sign out stating the ship was full, no upgrades. All sailings in the last 14 months.
  4. cvjw

    Insuring your Iphone?

    Insurance is a personal decision. I have never had insurance on my iPhone. Never lost one or damaged on either. Same for my husband and younger son. We get our iPhones every few years thru AT&T. Older son buys his iPhones thru Apple and has Apple care +. He won’t use a case or screen...
  5. cvjw

    Is ~$400 more worth it for an extra night?

    Sounds like a good deal to me. We have paid more than that to enjoy 8 nights on the fantasy vs 7 nights. We love having an extra night on the ship!
  6. cvjw

    Separate cabin for college-age kids?

    We sail with our 20 something sons. Every time they have the cabin connected to ours. We love spending a week with them, but if we all stayed in one cabin, it would be our last family vacation. Everyone has a much better time with their own space to spread out in. We just sailed on the fantasy...
  7. cvjw

    Where do DVCers vacation … outside of DVC?

    We cruise DCL several times a year and spend at least a week on 30A every summer.
  8. cvjw

    How much is your 2024 vacation going to cost you?

    Just took our adult kids on a 7 night eastern cruise on the fantasy. Final tally was around $15,000 Booked a VGT rate on the fantasy for May - will probably only be $5000 for that cruise. Will book another VGT rate on the fantasy in the fall. Probably another $5000.
  9. cvjw

    Making a Low Offer on a "Only Full Asking Price Will Be Accepted" contract???

    I offered a lower price on a LBF listing at BLT with a different broker than the board sponsor. I had no idea it was a LBF offer, guess I didn’t read the listing very well. Offered $5 per point lower and it was accepted within minutes. Guess the owners really needed or wanted to sell fast.
  10. cvjw

    Cruise right before Very Merrytime sailing - pls share your experience (Fantasy)

    We sailed 11/4 last year on the fantasy. The week before was HOTHS and the week after was Christmas. There were no Halloween decorations left. They were putting up the gingerbread house all week- an area in the lobby was walled off. You could smell the gingerbread though! And CC was decorated...
  11. cvjw

    Disney Magic in 2024, still worth it?

    We aren’t fans of the Magic. We sail on the fantasy - our favorite ship. To us, the adult only area was way too small on the magic.
  12. cvjw

    Disney GCs

    You can also add Disney gift cards to your onboard account before the cruise. You can do it on the app, under the onboard gift section. We just did that in January for the first time. I added $1000 in Disney gift cards and used it for payment - after it was used up, everything else went to our...
  13. cvjw

    Palo Dinner Question

    If you are a first time cruiser, you would not get a $50 credit - that is for pearl and platinum members. You would either pick the fixed menu for $50 per person plus tip, or order what ever you want off the menu and pay the total at the end. To the OP, our favorite palo server always tried to...
  14. cvjw

    Workout: What did you do today?

    Walked 6 miles at a brisk pace.
  15. cvjw

    Riley Strain-Missing Fraternity Member In Nashville

    This was my first thought as well. I seem to remember the story of multiple young and healthy men found dead in bodies of water. As the parent of young adult men, my heart aches for the parents.
  16. cvjw

    Small nitpick and correction for the DCL Podcast

    On our very first DCL cruise on the fantasy in 2017, cabanas was open for dinner. We did not know that you were seated with strangers for dinner, so we ate at cabanas a couple times. It was not a buffet, you ordered off a menu.
  17. cvjw

    What exactly is so bad about the pirate night food, and is anything good?

    One of our favorite menus. We look forward to dinner on pirate night! I hate the night with the Thanksgiving turkey menu - hate everything on that menu!
  18. cvjw

    Chances on a Boardwalk waitlist for one night?

    I just had a one night (5/3) waitlist match for a pool/garden studio. Only took a couple weeks. Maybe opt for the pool/garden view studio instead of standard studio.
  19. cvjw

    Disney Visa Rewards - "Pay Yourself Back" option

    Did this for the first time last month. Was super simple. I actually had several charges that were eligible for PYB on the card. I used it for DVC dues, counter service meals at Disney and genie plus. I could pick any of the charges for the credit.
  20. cvjw

    insurance question and car accident

    For my son’s accident, the police report said the other party was at fault. They referenced a couple of eye witness reports and gave the other driver a ticket for the violation he committed that caused the accident. Was very cut and dry and the other person still tried to have the blame moved to...
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