Ok,this is why I think a June UY is better for our travel needs, Assuming we will never have to cancel a May trip. You said my last post would work so here is what I think would happen with a April UY. Icould be wrong as I have only been looking into this for a couple of weeks. I want to start to travel May 2011 with a DVC resale then every other year. With April UY is this right. April 2010 50pts Bank to April 2011 April 2011 50 pts + 50 banked points May 2011 need only 82 points, bank 18pts to April 2012 April 2012 50pts plus 18pts from 2011 If staying with my May every other year travel would I not lose my2011 pts, with a May 2013 trip. Could i Travel May 2012 by borrowing some points from 2013. I think this pattern would just change my travel to even number years. My head is starting to pound, I did not think that buying into DVC could be so stressfull.