In search of the average Dan and Vivian Corey (DVC)

[TnRobin]

Okay guys I am working on a little project. Lets make up a ficticious family. So far I have

Dan and Vivian are in thier early 30s
Have two kids (4 and 6)
Have Adjusted Gross Income that puts them in the 2nd Tax Bracket
They plan to go to Disney most years.

Where do you think the Coreys should have spent thier most recent vacations, All Stars, Moderates, or one of the Deluxe hotels?

Dan and Vivians need to have an investment strategy - should they "play the market", invest in reliable mutual funds, or be ultra conservative and do there local Bank passbook account.

When does the Corey Family plan to take thier vacations - Pick a DVC "Season" with the exception of Holiday Season.

Finally - Do Dan and Vivian want to finance thier DVC purchase, if so how many years.

Do you want Dan and Vivian to buy a resale or from Disney????

Where will The Corey's "Home" be BWV, OKW, or VWL????


Please make this as realistic as possible, maybe using what you did

 

[KNWVIKING]

They are young,35 yrs till retirement: "play the market" They have time on their side.

Stay at a moderate. If they fall in love with WDW then they have the deluxe to look forward to. Also thier kids are too young to appriciate a deluxe.

The kids are in school,probably look at summer vacations,especially since holidays were removed from the case study.

With interest rates low,finance,take the interest deduction.

No opinion on who to purchase thru.

Buy at BWV. location,location,location. It shouldn't be too difficult to get OKW at 7 months. Not sure about VWL. But I think it's pretty difficult to get into BWV, or at least more difficult then the others.

 

[darner]

Danny & Viv last vacationed at the WL, since the kids are really into bears and building with Lincoln Logs...

For their financials, they are quite diversified... owning individual stocks, some mutual funds in IRAs as well as other mutual funds. They each have their own separate savings accounts at the local bank, as does each child... Grandma & Grandpa contribute to the kid's accounts for Christmas & Birthdays.

They vacation in the fall, October to be exact... it's after hurricane season, past the summer rush, etc. The little one is not yet in school and the 6 yr. old gets a school break for Columbus Day (week).

They fall in love with WL and the VWL and decide to buy there. The sales associate made them feel so comfortable and answered all of their questions that they decided to buy VWL through Disney since the transaction was effortless. They are financing (through Disney) for 5 years, but plan to pay it off early.

While VWL is their home, the kids really enjoyed the Boardwalk and it may be the next resort they stay at.

 

[sueg]

I should know the answer to this question, but what is the 2nd tax bracket?

 

[gmboy95]

Danny and Viv my advice to you....you have, lord willing, about 50 years or so left on this planet. Begin the process now of spending all of your money before you leave this earth....set as your goal a 0 balance in all of your accounts..DAMMIT!!!! have as much fun as possible....send your kids to a reasonably priced college, and then make there room into a den. after they finish college, dont let them come back home. Use themoney you save on food for sattleite telivision (mimum of 200 channels)..

Then begin to take trips to disney world with your grand kids that your own kids are not invited to. Then move to orlando sell your house wherever you live now, and proceed to spend that money foolishly as well.

well thats my advice!