Bank or Borrow

[tinker_me_happy]

I am interested in doing an exchange for my trip in 2010. I will need to either bank or borrow 70 points from 2009 or 2011. Is one better than the other? So far all I have done is bank my original points from when I bought (Aug 2007) to use in August 2008. I have enough points from my 2008 use year to make a second trip in May of 09 (still 08 use year). I would also like to take one or two short trips in 2009 which will use some of my 09 points, but still leave enough for the trip in 2010. Is there an advantage of banking vs borrowing?
Big Trips Planned - August 2008 (Disney World)
Summer 2010 (Key West or Carribbean Islands)
Sometime 2012 (Hawaii)
Little Trips Planned - (Maybe) Dec 08 short trip 3 days
Feb 09 (Birthday Trip) 5 days
(Definately) May 09 (Girls Trip) 5 days

 

[stacy6552]

I don't think it matters. I would bank if you have the points to spare and if you don't then borrow.