banking/borrowing?

[kenny]

Can you bank and borrow in the same year?

I have bank before but never both.

With 2 home resorts was thinking of alternating rather than pooling points each year.

Meaning I would be banking and borrowing on each contract each year so that some years would do SSR and some years BLT.

The only limitation is on transfers, correct?

 

[Chuck S]

Yes, you can bank and borrow in the sane year.

 

[DebbieB]

I actually did that last year. I have an April use year and banked my leftover 2008 points early so that I could make 2009 reservations. Then around September, I decided I wanted to go to Disneyland in December and use points for Paradise Pier. My leftover 2008 points were already banked. So I then had to borrow 2009 points.

 

[dianeschlicht]

We end up doing some banking and some borrowing nearly every year. We have 3 contracts at 2 resorts, so I do tend to use each resorts points seperately. Often though, we will have trips split between the two. For example: in December we are using current AKV points for CL level the first 3 nights and staying the rest of the trip at OKW on OKW points. Then for March, we are using a couple of banked AKV points PLUS some OKW points for one ressie made at the 7 month mark for AKV, and using current OKW points for the rest of the trip. Then after all of that, I plan to bank all my AKV points for '10 into '11, and use my '10 OKW points for a January trip. Somewhere in there I transfered a point out to someone on the board here too, who was a point short for an AKV ressie.