Hi all, I've been reading for about a week straight and I have some nitty-gritty points usage questions. It's going to be long. Sorry! Now that our family has gotten hooked on staying at a Disney property, and we've reached the family size that only a 2 bedroom villa can legally hold (now that the younger twins are turning 3 we can no longer fit in an Art of Animation suite, awesome as it was), If we want to continue staying at a Disney resort I think it makes financial sense to buy DVC. We would buy resale and not need to finance. I have yet to make the full details, power point presentation to my husband making the case for it, and I want to make sure I get all the facts right before the big meeting. Here's how I think we'll visit. Typically 3rd or 4th week in January in a 2 bedroom for 5-7 days. We have stayed in and like SSR and OKW so I'd most likely buy SSR. Occasionally we'd go end of Aug but not in the same year. As far as frequency, we'd probably go twice in three years. I'm trying to maximize the financial benefits, so I wouldn't want to overbuy points for both up-front and MF reasons. (And if we see we needed more points or end up liking other resorts better we could always add another contract!) I was thinking of buying in the next few months and the first visit to be January 2015. I was also thinking that for that first trip we'd like to bring along more family, causing us to need 2 2-bedrooms. First: UY September or December seems like the best target for us, right? Second: As I'm looking at the listings, I'm not sure how UY interplays with annual points. For example, Lets say I bought SSR. In Feb 2014 can I make a reservation for 2 2-bedrooms in SSR (11 months ahead) for Jan 2015 using 2014 points, 2015 points and borrowing extra from 2016 if needed? Or do I need to wait til the start of a UY to be able to use all 3? This part confuses me. Third: If after that first big trip typically we want to just get a 2 bedroom at SSR or OKW for 7 days, or try for one of the other resorts for 5 days, is it common to use banking and borrowing to make that happen on a smaller contract? For example, if we buy 180pts, year 1 we use 180 plus borrow 40 to stay at OKW. Year 2 we use remaining 140 plus borrow 100 to stay at SSR, year 3 we only have 80 points so we bank them and skip. Year 4 we use banked 80 and 140 of that year to stay at OKW. Year 5 we have banked 40 plus 180 to stay at OKW again. Year 6 we skip. And so on. Or can we just buy 120 pts and go every other year? Am I thinking about this correctly? Thanks so much in advance!