Making sure i get the whole banking and borrowing and UY
 

So I've read the sticky post on this and just want to make sure I understand correctly.

If I were to find a 160 point dec UY resale contract and purchased this sometime this spring...assume no 2012 UY points.

I would receive 160 points dec 2013 for stays until nov 30 2014.
I would receive another 160 on dec 2014 for stays until nov 30 2015.

If I wanted to book a trip for april 2014, I could use my 2013 UY points and any 2014 UY points (borrowed) to book, correct?

I could book this 11 months out at my home resort, which would be may 2013 or at another resort 7 months out (sept 2013).

100% correct!

awesome - thanks!

Now the hard part - figuring out how many points....:eek:

Based on your post you understand how things work but the way you've worded things in the quoted text above isn't quite right. When you state that you would "receive" points at the start of each UY, that's not correct. The points don't drop into your account on the start of each UY, all of your points are already in your account. Each set of points has "use by" dates associated with them. For example:

Dec 2012 points are valid for stays from 12/1/2012 through 11/30/2013
Dec 2013 points are valid for stays from 12/1/2013 through 11/30/2014
Dec 2014 points are valid for stays from 12/1/2014 through 11/30/2015
and so on through the end of your contract.

You can change the "use by" dates by banking or borrowing. For example if you borrow some Dec 2013 points into your 2012 UY, those borrowed points become valid for stays from 12/1/2012 - 11/30/2013. If a resale contract includes banked Dec 2011 points, those points are valid for stays from 12/1/2012-11/30/2013.