Confused about UY???

[DR JK]

Bear with me guys...this is my first post on the forum.

We are considering buying into DVC but I have a question regarding the merits of the UY choices available to us. We will be buying 150 pts at SSR and financing through DVC and want to "go home" in August '05 and then in June '06. As I see it, we have three options:

1. Purchase using the 100 pt vacation incentive to cover the August trip (just a few days) and then have a Septermber UY.

2. Purchase using the $8/pt buydown and borrow from the Sept UY pts for August. I don't know what to do for next year.

3. Purchase current inventory with a March UY foregoing the incentives and using this year's pts for August and March 06 pts for next year.

Any suggestions? I'm a bit confused on the merits of each although I'm leaning toward option 1. We will typically travel "home" in May or June each year -- the August trip this year is a bit unusual for us.

 

[Cruelladeville]

The problem with option 1 is that if something happened where you couldn't take your August trip, you will lose your points, because your points expire on August 31. Last year they had 3 hurricanes--you would cancel and lose your points if they have another year like that. A couple of years ago, in August, power was lost on the eastern seaboard, so no one could fly to Orlando. So August isn't doing so well, track-wise. Is a different use year available to you, like July or June? Ideally, you want to take a trip right AFTER your use year begins, so if you had to cancel, you have the whole year to use your points before they expire.