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-   -   ? about how the points works (http://www.disboards.com/showthread.php?t=3187201)

DisneyBliss7 10-16-2013 08:35 PM

? about how the points works
 
I'm a little confused...When we purchase, probably for the first week in May how does it work with points at the time you buy? For example, say we buy in the Jan. or Feb. of 2014 and we want go in May of 2014. We are only buying 160 points each year and we need 317 to go so could we go that same year with the points we just bought and then borrow 2015's points so we have enough? And what happens if we don't use our points? Do they let you bank points or just borrow?

disneynutz 10-16-2013 11:48 PM

You can bank or borrow any given point just once, so you can borrow some 2015 points and move them into your 2014 UY, or you can bank 2013 points into your 2014 UY. Once banked or borrowed they will expire at the end of the UY so buying the correct UY can be important.

:earsboy: Bill

LorieDisneyLover 10-17-2013 07:24 AM

Quote:

Originally Posted by DisneyBliss7 (Post 49846823)
I'm a little confused...When we purchase, probably for the first week in May how does it work with points at the time you buy? For example, say we buy in the Jan. or Feb. of 2014 and we want go in May of 2014. We are only buying 160 points each year and we need 317 to go so could we go that same year with the points we just bought and then borrow 2015's points so we have enough? And what happens if we don't use our points? Do they let you bank points or just borrow?

It depends on your Use Year. If you get a February Use Year then for a vacation in May 2014 you could use your 2014 points and borrow the extra you need from 2015.

However, just in case this is an actual example of what you 'plan' to do ... if you wait until February 2014 to 'purchase' and 'book' your vacation there will very little availability at that point b/c it's only 3 months out. Not saying there won't be any availability but you will need to be super flexible.

chalee94 10-17-2013 08:37 AM

i would suggest that DVC works better when you book well in advance, ideally 10-11 months. if you routinely plan to book 4-5 months in advance, be aware that your options may be VERY limited.

Quote:

Originally Posted by DisneyBliss7 (Post 49846823)
I'm a little confused...When we purchase, probably for the first week in May how does it work with points at the time you buy? For example, say we buy in the Jan. or Feb. of 2014 and we want go in May of 2014. We are only buying 160 points each year and we need 317 to go so could we go that same year with the points we just bought and then borrow 2015's points so we have enough?

as stated it depends on your UY. if you travel in may 2014, that is in your 2014 UY if you have a UY before may (like feb, march or april). but if you have a jun UY or later, you are traveling in your 2013 UY (the june 2013 UY covers stays from june 1, 2013 to may 31, 2014).

you'll probably want to read and bookmark this thread:

http://www.disboards.com/showthread.php?t=1942668

Quote:

And what happens if we don't use our points?
you can bank them ahead one UY if you do so before the banking window closes (within the first 8 months of your UY).

if you don't use them, they expire and disappear into the void.

DizBub 10-17-2013 09:04 AM

Quote:

Originally Posted by DisneyBliss7 (Post 49846823)
I'm a little confused...When we purchase, probably for the first week in May how does it work with points at the time you buy? For example, say we buy in the Jan. or Feb. of 2014 and we want go in May of 2014. We are only buying 160 points each year and we need 317 to go so could we go that same year with the points we just bought and then borrow 2015's points so we have enough? And what happens if we don't use our points? Do they let you bank points or just borrow?

You didn't say how you are buying but if you buy direct (I am in no way advocating buying direct unless you are getting VGF) you will get 160 points for 2013 and another 160 points for 2014, giving you 320 points to make your May 2014 reservation.

After that, you can bank your 3 remaining points into the next year so in 2015 you will have 163 points available. If you want to book that same vacation for 2015 you will have to borrow 144 points from 2016, leaving you 16 points to bank into 2017 and so on.

This schedule would work better for you (with this amount of points) if you went every other year.

One thing to mention is that this won't work with a Jan or Feb UY at VGF because they are only giving 2013 points to April UY and beyond. You would get 2013 points buying at any other resorts with a Jan or Feb UY.

DisneyBliss7 10-18-2013 02:30 PM

The best reasons for buying resale..?
 
Do you think buying resale is the best way to go? It would save us a lot of money. What is the difference between buying resale or just directly through Disney? If the owner only has 80 points left, out of 160 for the year, does that mean I only get 100 points until the following year? And how would the annual dues work? Do I reimburse the owner or do I not have to pay a full year of fees? I know I keep posting questions and I'm trying to not ask the same thing twice...it's a bit confusing and I'm just trying to learn as much as possible;) TIA:goodvibes

DizBub 10-18-2013 03:14 PM

Quote:

Originally Posted by DisneyBliss7 (Post 49862717)
Do you think buying resale is the best way to go? It would save us a lot of money. What is the difference between buying resale or just directly through Disney? If the owner only has 80 points left, out of 160 for the year, does that mean I only get 100 points until the following year? And how would the annual dues work? Do I reimburse the owner or do I not have to pay a full year of fees? I know I keep posting questions and I'm trying to not ask the same thing twice...it's a bit confusing and I'm just trying to learn as much as possible;) TIA:goodvibes

Resale will save you a lot of money. Difference is that direct from Disney is pretty much instant gratification. They get the $ and you can book a vacation ASAP.

Resale points have certain restrictions and the process takes about 2 months or longer. Restrictions are that you cannot cruise on those points or use them for Concierge and Disney Collections or Adventures by Disney. All very poor use of points anyway.

If you buy a 160 point contract and there are only 80 points left in this year you will have 80 points to use. Combine those with the 160 from the next year and you will have 240 points available to book a stay. If you are lucky enough to find a loaded contract with last year's points (banked) and all of this year's points you would have 320 available plus all of next year's points borrowable for a total of 480 points.

Annual dues can be negoitated with the seller. They may want you to reimburse them for points they paid dues on at the beginning of the year. I personally would only want to pay dues on points available.

Ask as many questions as you need and read as much as possible here.

DisneyBliss7 10-18-2013 07:05 PM

Quote:

Originally Posted by DizBub (Post 49863162)
Resale will save you a lot of money. Difference is that direct from Disney is pretty much instant gratification. They get the $ and you can book a vacation ASAP.

Resale points have certain restrictions and the process takes about 2 months or longer. Restrictions are that you cannot cruise on those points or use them for Concierge and Disney Collections or Advantures by Disney. All very poor use of points anyway.

If you buy a 160 point contract and there are only 80 points left in this year you will have 80 points to use. Combine those with the 160 from the next year and you will have 240 points available to book a stay. If you are lucky enough to find a loaded contract with last year's points (banked) and all of this year's points you would have 320 available plus all of next year's points borrowable for a total of 480 points.

Annual dues can be negoitated with the seller. They may want you to reimburse them for points they paid dues on at the beginning of the year. I personally would only want to pay dues on points available.

Ask as many questions as you need and read as much as possible here.

What exactly is Adventures by Disney? Is that where you travel elsewhere other than Disneyworld or Land?

DizBub 10-18-2013 07:26 PM

Quote:

Originally Posted by DisneyBliss7 (Post 49865035)
What exactly is Adventures by Disney? Is that where you travel elsewhere other than Disneyworld or Land?

http://www.adventuresbydisney.com/?C...|p|15408ec9304

Costs more points than most people can afford. Hence the poor use of points.

DisneyBliss7 10-18-2013 08:56 PM

Quote:

Originally Posted by DizBub (Post 49865176)
http://www.adventuresbydisney.com/?C...|p|15408ec9304

Costs more points than most people can afford. Hence the poor use of points.

Oohh I see....Yeah we are just planning on visiting Disney World every other year and would like to go to Vero Beach at some point. The more i'm learning, the more i'm leaning towards resale:)

DisK 10-18-2013 10:46 PM

Also, using your points anywhere outside of a Disney DVC resort is generally considered a poor value.

Deb & Bill 10-19-2013 09:53 AM

You sound like you really don't know much about the system yet. You might want to check out this page: http://www.wdwinfo.com/disney-vacation-club/index.html

DVC doesn't sell many "weeks" like traditional timeshares, mostly just points that can be used anytime during your UY.


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