Hi all….I'm still fairly new to this DVC stuff so I wanted to make sure I'm doing things right. My extended family is going to Disney World from Nov 11-18/15. Ideally would love to stay at the Poly in 4 studios. If not available we are happy to stay at home resort Saratoga Springs in 2-2 bedrooms. My use year is August. Currently have 200 2014 points available still. Planning to use 520 points on Poly reservation or 524 points on SSR. Just wondering if I should book SSR now just in case and then cancel while trying to get poly reservation. Or is that not really necessary for SSR at that time and I should just wait until 7 month window and book SSR only if Poly isn't available. Just wondering what would happen to those 4 points if we did get POLY. And there is no need to bank 2014 points right because we will be using them before they expire, correct? Now as I type this I'm wondering if the 2016 points will even be available to use since technically I'm still in 2014 use year when I need to book? Wow this is confusing! Any help is appreciated!