Are you over 65? Do you timeshare more or less?

[JudyH]

What a timely thread. I have been on this board since 1997 when we bought our first and only TS. A three bedroom July 4 Myrtle Beach week that traded as two weeks, and then got very high TPUs for years.
We went round the world rarely going to the same place twice except for St Martin and Manhattan, and a few places in Florida before all the hurricanes.
Now DH is 80. We moved to Florida. I do serious wildlife photography and I want to sleep close to the place I have to be at 5 am.
I really don’t want to spend a week staying in one spot anymore.
So we are deeding the TS back to the Myrtle Beach resort. I still have a lot of TPUs and an RCI membership for a few more years. Neither of my kids wanted it.
We also sold the RV which is easier for me as I am the driver and it was a lot of work. Now a days, one needs to be a mechanic with a lot of skills to do the constant repairs. Kids didn’t want that either.
We have a trip to Europe in June and Safari in South Africa in September. We’ll keep going til we can’t.

 

[geist1223]

My biggest concern with Full Time Timesharing is Medical. We get our Medicines through Express Scripts (Tricare for Life) by Mail. Also we have turned into Art Collectors. We have to rotate what Art is displayed each Season even though we are in a 3000 Square Foot House. We have original Art Work from all over the World in many different Mediums. Some from locally known Artists and some from Internationally known Artists.

 

[WinniWoman]

@WinniWoman , we have now come to that conclusion. Florida has new rules for condos and as of 2024, Florida law requires all condos over three stories to conduct mandatory building inspections and a Structural Integrity Reserve Study (SIRS) every 10 years. Additionally, HOA associations can no longer waive or reduce reserve funds, ensuring they are fully funded to cover future repairs. Condo's that we wanted to purchase in have seen their HOA fees, double and triple year over year along with very large assessments.

I will now have 8 weeks in Florida when I retire and that will get me away from the winter in Michigan, so we are going this route as it will be much cheaper than owning in FL

Wow! I know how badly you wanted to live in Florida or at least buy a snowbird home there? Naples I think it was?

Anyway, you have that cute lake house in Michigan and I think your plan is perfect- use your 8 weeks of timeshares in Florida during Michigan’s coldest months and enjoy Michigan in the warmer weather.

I have a retired friend in St. Petersburg and she is experiencing exactly what you talked about with her condo. A $25,000 assessment! She’s paying that off each month. Plus her monthly HoA fees went up by like $500! Crazy!

 

[rapmarks]

That was our original thought with our first long term booking.
Did y'all buy before the Covid price jumps on homes?

We bought before the price jumps 20 years ago then they went down stayed that way for a dozen years , jumped up and not it’s slowed again.

 

[CO skier]

My biggest concern with Full Time Timesharing is Medical.

That is one of the "challenges" I recently discovered when heart issues put me in the hospital for a week in late March. I was, serendipitously, staying at my "home base" resort for a few weeks; checked out of the resort according to schedule, so they never knew I was gone for a while. The process is still new to me, but I guess the cardiology office PA will call my 90-day prescriptions in to whatever pharmacy is near me at the time I give them the info. of a nearby pharmacy. I will adapt my timeshare reservations to fit the scheduling for any periodic office visits.

We have to rotate what Art is displayed each Season

A William Hooke Tall Aspen serigraph travels with me. Other than that, my Art rotates with each new resort.

 

[geist1223]

By using Express Scripts by Mail we save a lot of Money on the co-pay.

 

[CO skier]

By using Express Scripts by Mail we save a lot of Money on the co-pay.

Eliquis is a bit expensive, but the other 6 prescriptions total $50/month. I am not going to change my lifestyle for a few dollars more in my bank account. Plus, look at all the money I save on Art work.

 

[Pennytx]

That is one of the "challenges" I recently discovered when heart issues put me in the hospital for a week in late March. I was, serendipitously, staying at my "home base" resort for a few weeks; checked out of the resort according to schedule, so they never knew I was gone for a while. The process is still new to me, but I guess the cardiology office PA will call my 90-day prescriptions in to whatever pharmacy is near me at the time I give them the info. of a nearby pharmacy. I will adapt my timeshare reservations to fit the scheduling for any periodic office visits.


A William Hooke Tall Aspen serigraph travels with me. Other than that, my Art rotates with each new resort.

Glad your doing better

 

[jp10558]

Well, I'm glad I decided to get into this in my early 40s - I'm going over 8 weeks a year so far, and hope to keep it up as long as I can afford to. At least right now we don't have many huge travel issues, though we do like the ease of driving for several reasons. I also enjoy getting away from the cold (and man is the cold hanging around me this year) - but I wouldn't want to move. I do hope to start figuring out if I can put together 2 weeks or longer at one resort via RCI cash deals at lower end resorts when I'm just trying to be in southern FL and avoid being really cold. FL also works well as it's the same timezone as my mostly remote job so that's nice.

I'm mostly really having fun reviewing all the different locations and still trying to fit in some return trips to some locations also.

 

[CO skier]

I do hope to start figuring out if I can put together 2 weeks or longer at one resort via RCI cash deals at lower end resorts when I'm just trying to be in southern FL and avoid being really cold. FL also works well as it's the same timezone as my mostly remote job so that's nice.

Start looking NOW for the best availability. Consecutive Extra Vacation weeks available at a Gold Crown resort in January and February for $630-$740/week, which seems like a really good deal.

 

[rapmarks]

Well, I'm glad I decided to get into this in my early 40s - I'm going over 8 weeks a year so far, and hope to keep it up as long as I can afford to. At least right now we don't have many huge travel issues, though we do like the ease of driving for several reasons. I also enjoy getting away from the cold (and man is the cold hanging around me this year) - but I wouldn't want to move. I do hope to start figuring out if I can put together 2 weeks or longer at one resort via RCI cash deals at lower end resorts when I'm just trying to be in southern FL and avoid being really cold. FL also works well as it's the same timezone as my mostly remote job so that's nice.

I'm mostly really having fun reviewing all the different locations and still trying to fit in some return trips to some locations also.

You should be able to get vv Weston or Lehigh resort fairly easily.

 

[CO skier]

We pay one of our contractors to use their address and scan our mail into our digital cloud.

Do you or your contractors know that if someone sues you, they are also liable due to the shared address? (Maybe no one cares.) I learned this from my wife's ski accident. The defendant's first attorney sent a response to the lawsuit essentially stating the defendant was judgement proof. Turned out the defendant (and her husband) were living in her father-in-law's house. The lawsuit settled out-of-court and his homeowners insurance paid the claim.

 

[wmgjr]

Do you or your contractors know that if someone sues you, they are also liable due to the shared address? (Maybe no one cares.) I learned this from my wife's ski accident. The defendant's first attorney sent a response to the lawsuit essentially stating the defendant was judgement proof. Turned out the defendant (and her husband) were living in her father-in-law's house. The lawsuit settled out-of-court and his homeowners insurance paid the claim.

Did the accident happen on his property?

 

[geist1223]

I think having a family relationship and actually living in the same house is different from basically a maildrop.

 

[Timeshare Von]

Eliquis is a bit expensive, but the other 6 prescriptions total $50/month. I am not going to change my lifestyle for a few dollars more in my bank account. Plus, look at all the money I save on Art work.

I also take Eliquis (5 mg X2/day) and with this year's change in Medicare coverage, I'm saving a ton of money by buying mail order generic from Canada.

 

[CO skier]

Did the accident happen on his property?

No, it happened at a Colorado ski resort. Colorado has a strict legal code of conduct for skiers. The defendant's resident property was in Florida.

 

[Pennytx]

In

No, it happened at a Colorado ski resort. Colorado has a strict legal code of conduct for skiers. The defendant's resident property was in Florida.

hope your wife is ok

 

[CO skier]

I think having a family relationship and actually living in the same house is different from basically a maildrop.

Sure.

What address does someone use for their tax return? What address is on their driver's license (it cannot be a mail drop P.O. Box). What address is their residence for bank statements? (The mailing address can be a mail drop, but the residence address is the legal address).

 

[CO skier]

In

hope your wife is ok

Metal pins in her shoulder for life. "Close" to good as it was before, but she has not been skiing since the accident, by choice not any physical limitation, and it was probably the end of her 41-year skiing pursuit.

 

[Pennytx]

Metal pins in her shoulder for life. "Close" to good as it was before, but she has not been skiing since the accident, by choice not any physical limitation, and it was probably the end of her 41-year skiing pursuit.

So sorry but thrilled she’s ok

 

[wmgjr]

No, it happened at a Colorado ski resort. Colorado has a strict legal code of conduct for skiers. The defendant's resident property was in Florida.

Im having trouble following this story.
Im probably just slow though lol
care to share more details?

 

[CO skier]

Im having trouble following this story.
Im probably just slow though lol
care to share more details?

What is important is that

We pay one of our contractors to use their address and scan our mail into our digital cloud.

is not as simple as it seems. There are legal consequences to what a person uses as their permanent address. If you are using the contractor's address for your car registration and insurance, for example, and there is a claim against you, your insurance company could deny the claim if they determine it is not your true address.

 

[wmgjr]

Good news. We don't use her address for that stuff.
And yes I was aware. Ive had a 2 year learning curve so far.

We've had IRA accounts frozen, bank accounts charge fees for returned mail, close our accounts because the IP address of mobile deposits doesn't match expectations, USPS fail to route mail forwards, insurance inquire for more details.
All issues we've cleared so far.
But a reminder that most of our legal and financial systems are not designed to facilitate freedom and flexibility. Unless you pay an agent, either someone you know, UPS, etc.

The concerns raised now seem different than the original point made which related to your story of the ski accident.
Which I would still like to understand if you care to share.

 

[CO skier]

The concerns raised now seem different than the original point made which related to your story of the ski accident.
Which I would still like to understand if you care to share.

I sent a pm to you.

 

[silentg]

I’m right with you on the statement above. We moved here a little over 3 years ago and we’re struggling to use our points. We take a lot of trips to WDW and different beach locations in Florida, but we’ve only taken one real vacation outside the state since moving here, spending a week in New Orleans over a year ago.

We have 3 Wyndham contracts, 2 resale (329k) and a developer CWA contract (450k). I can see us selling, or giving away, the resale points in the next couple years.

Edited to add: Forgot to say that we are 70 and, although we are in good health, the actual travel, planes, trains and automobiles, can be a pain in the butt.

Hi Patry
We owned 10 timeshares ( not all at the same time) bought, sold, rented, exchanged, direct exchanged, now we have one timeshare . Have been doing river cruises, a transatlantic cruise, Panama Canal etc. I still enjoy combining our timeshare stays with our cruises if possible. Hoping to get back out there soon. Husband recovering slowly from back injury. I don’t travel without him. He was the one that talked me into buying our first timeshare and we’ve had many good, bad, and wonderful timeshare vacations. You may want to keep just that one to exchange to stay in the Timeshare world. We also live in Florida.
safe travels