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Old 01-09-2013, 02:03 AM   #1
Disneymooner07
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Can you check my banking + borrowing math for me?

I just want to make sure I'm understanding this banking and borrowing business correctly before I buy points and find out we can't actually take the trips I think we can! Our goal is to take a trip every other year alternating between a GV for one trip and then whatever accommodations we can get with 200 points for the next trip. Does the below math sound correct?

Say I buy a 200 point resale contract with a Dec UY and all its 2012 points, I can bank those by July 2013 and be able to use them for a trip anytime until December 2014. In Dec 2013, I'll receive another 200 points and then at some time between December 2013 and December 2014, I can borrow the points from December 2014 to take a trip before December 2014. Is that correct? So I could have 600 points to book a Grand Villa for a trip at some point before December 2014? Are there restrictions on when/how to borrow? How early can I borrow my Dec 2014 points? I want to know what my 11-month window will be for our home resort - come to think of it, if there are restrictions on borrowing, Dec UY may be a problem if we want to take advantage of the 11-month window for a GV in the summer, right?

And then, since I've already used my Dec 2014 points, I won't get points again until Dec 2015. But I can't use those points to book a trip until after I have actually received them in Dec 2015, so I wouldn't really be able to take a trip until after Dec 2015, right? So I'd realistically be looking at a mid 2016 time for the next trip? And then repeat: I'd bank Dec 2016 points with the Dec 2017 points and borrow Dec 2018 points for a Grand Villa trip sometime before Dec 2018, etc.

Am I crazy or does that sound correct? I haven't put the offer in yet, but if this all sounds about right, I think we're going to go for 200 BWV points!!!
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Last edited by Disneymooner07; 01-09-2013 at 02:11 AM.
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Old 01-09-2013, 05:50 AM   #2
zavandor
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Your math is correct, but it looks like it's not clear to you one important thing: UY do not influence when you can book.

Quote:
Dec UY may be a problem if we want to take advantage of the 11-month window for a GV in the summer, right?
Not really. In your 2013 UY, meaning from 12/1/2013 to 11/30/2014 you can use your 2012 banked points, your 2013 current points and borrow 2014 points.
But you can book your stay when you want. You don't have to wait that the 2013 UY starts.
So if you want to book for July 2013, you can book it 11 month in advance at you home resort, so starting in August 2012.

Having a Dec UY and traveling in the summer is not convenient because if you cancel you would be near the espiration of points and it would be much more difficult to use the points.
Look for a UY just before the month you think you'll travel the most.

Last edited by zavandor; 01-09-2013 at 07:09 AM. Reason: typos
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Old 01-09-2013, 06:34 AM   #3
com_op_2000
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Originally Posted by zavandor View Post
Not really. In your 2013 UY, meaning from 12/1/2013 to 11/30/2014 you can you your 2012 banked points, your 2013 current points and borrow 2014 points.
One additional point, when you book during this 2013 travel time period be sure you use the banked 2012 UY points and borrowed 2014 UY points first. That way if any are left over from the 2013 UY you can bank them into the your 2014 UY, to give you more time to plan a small get away.
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Old 01-09-2013, 07:09 AM   #4
zavandor
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I don't agree. Borrow only the points strictly necessary to book the reservation. So remaining 2014 points can be used in 2013 (borrowing them), in 2014 or banked to 2015.
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Old 01-09-2013, 08:14 AM   #5
chalee94
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Quote:
But I can't use those points to book a trip until after I have actually received them in Dec 2015, so I wouldn't really be able to take a trip until after Dec 2015, right?
rule #1 - UY tells you nothing at all about when you can book.

as stated, you can book at 11 months out at your home resort with banked pts from the previous year + current pts from the current UY ("current" based on the dates of the stay - see rule #1) + borrowed pts from the next UY (if needed).

check online after you close. your 2015 UY pts are already loaded in your account. you can borrow them one time, so you could use them for a stay as early as dec 1, 2014 - your only limit is that you are more than 11 months out from dec 1, 2014.

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Originally Posted by zavandor View Post
I don't agree. Borrow only the points strictly necessary to book the reservation. So remaining 2014 points can be used in 2013 (borrowing them), in 2014 or banked to 2015.
i agree with zavandor.

you'd only follow com_op_2000's advice if you had already borrowed the 2014 pts...

in that case, you'd use the borrowed pts first.
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Last edited by chalee94; 01-09-2013 at 08:22 AM.
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Old 01-09-2013, 10:55 AM   #6
com_op_2000
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Quote:
Originally Posted by chalee94 View Post
you'd only follow com_op_2000's advice if you had already borrowed the 2014 pts...

in that case, you'd use the borrowed pts first.
This is the case that I was talking about, I did not make my point clear enough. Sorry
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