Confused again about UY June or December, please help!!

[vinmar4]

We had decided to go with a December UY since we vacation in April and June/July because of schools. But I was looking at the future years (GOD willing) and we find ourselved borrowing a lot in June from our future points to use during the summer. Is this something bad?
We are thinking of getting 100 points at BLT and 140 at AKV. Is it the same as in asking to borrow as to save? How long in advance would you have to ask for points?
is it when you call to make your reservations?
thanks a bunch!

 

[chalee94]

We had decided to go with a December UY since we vacation in April and June/July because of schools.

this makes sense so far...

But I was looking at the future years (GOD willing) and we find ourselved borrowing a lot in June from our future points to use during the summer. Is this something bad?

over the life of the contract, i'm pretty sure you are going to get the same number of pts either way. if you buy a june contract right now (before june 1, 2010), you will get 2009 pts. if you buy a december contract, you will get 2009 pts.

We are thinking of getting 100 points at BLT and 140 at AKV. Is it the same as in asking to borrow as to save? How long in advance would you have to ask for points? is it when you call to make your reservations?

not sure i understand you.

1) if you want to book AKV with AKV pts, you can call 11 months in advance. if you are booking AKV for april 2011, you could call as early as may 2010. (in sept 2010, if there is still availability for AKV, you can call to book april 2011 at AKV with your BLT pts.)

a) for a december contract, april 2011 is in your 2010 use year...so you could use banked 2009 pts, current 2010 pts or borrowed 2011 pts from your AKV contract to book AKV starting in may 2010.

if you have to cancel your april reservation - say 45 days before arrival - the current year pts can still be banked until the end of july...so consider what would happen if you had to cancel...

b) for a june contract, april 2011 is also in your 2010 use year...so you could use banked 2009 pts, current 2010 pts or borrowed 2011 pts from your AKV contract to book AKV starting in may 2010.

on the down side, if you have to cancel your april reservation - say 45 days before arrival - the current year pts would need to be used by the end of may or else they would expire and be worthless. your banking window closed in january so you could not bank anything by that point.

...so consider what would happen if you had to cancel.

but you do NOT have to wait for your pts to "deposit" in any case - your 2012 pts are already in your account...you just can't book anything with them till you hit your 11 month window...

you probably should read this thread (at least the first post):

http://www.disboards.com/showthread.php?t=1942668

 

[chalee94]

one more thing to clarify:

if you call in july 2010 to book june 2011 at BLT with 2011 use year pts from your (june UY) BLT contract...you are NOT "borrowing" pts to book that stay. those 2011 pts that are valid for stays from june 1, 2011 to may 31, 2012 are current year pts for a stay in june 2011...even if you call in 2010 to make the reservation.

and if you mostly stay in june (but almost never in april), a june contract might be slightly better. but probably not a big deal unless you had to cancel less than a month out.

 

[KAT4DISNEY]

I also think it sounds like you may be confusing what actual borrowing is based on having a late UY - which is often confusing for many. If you truely are borrowing for all your upcoming vacations it's not necessarily a bad thing - but you may not have bought enough points. More info on the number of points your stays are requiring may help and if you are going every year multiple times.

 

[vinmar4]

Thanks for all the replies,
What I was doing is looking at let's say my summer vacation for 2012, we will have some points from the year before but will get to get some from the ones that we will be getting on December 1, 2012. So if I understand correctly, If I have to cancel 30 days before, I could bank the ones from the Dec 2011, but not the ones that borrowed from 2012, right?
I would need to use those before Nov 2013 correct?
Maybe I'm wrong. I was thinking about possible cancellations in ther future.

 

[vicki_c]

Thanks for all the replies,
What I was doing is looking at let's say my summer vacation for 2012, we will have some points from the year before but will get to get some from the ones that we will be getting on December 1, 2012. So if I understand correctly, If I have to cancel 30 days before, I could bank the ones from the Dec 2011, but not the ones that borrowed from 2012, right?
I would need to use those before Nov 2013 correct?
Maybe I'm wrong. I was thinking about possible cancellations in ther future.

For a summer vacation in 2012, you would available to you:
Your December 2011 points (received 12/1/2011, good through 11/30/2012)
Any 2010 points that you might have banked
Any 2012 points that you might have borrowed

Banking and borrowing are final transactions. Any points banked or borrowed into your 2011 use year (which is when your trip falls) effectively become 2011 points with the stipulation that they would have to be used by 11/30/2012. Your "regular" 2011 points, that you started out with on 12/1/2011 could be banked into your 2012 year, however.

I think you said the same thing, but I was getting a little confused!

 

[vinmar4]

Vicki,
I was thinking that if I borrowed for June 2012 vacation of that year from what I will be getting in December of the same year ( 2012), that I had to use the borrowed points before Nov 30 of the folllowing year ( 2013), but you said that if I borrow for my June vacation from the upcoming points coming in December I will have to use them by November 30 of the same year in case of a cancellation? That's even before the UY starts!
Am I correct?
thanks

 

[chalee94]

I was thinking that if I borrowed for June 2012 vacation of that year from what I will be getting in December of the same year ( 2012), that I had to use the borrowed points before Nov 30 of the folllowing year ( 2013)...

nope - when you borrow pts from the dec 2012 use year (that normally are valid from dec 1, 2012 through nov 30, 2013) - they are locked into the 2011 UY and must be used between dec 1, 2011 and nov 30, 2012. if you borrow them from 2012 UY, they cannot be put back into the 2012 UY - as stated above borrowing is final - and the pts must be used by the end of the 2011 UY (nov 30, 2012).

you really should read my link above and it will clarify some UY issues, but the short answer is that you should:

1) ideally travel early in your use year (so traveling in june with a june UY is ideal)

AND

2) very rarely travel late in your UY (so march/april trips with a june UY are much riskier)

december is a good UY for you unless you plan to travel in the fall (sept/oct/nov). if you primarily travel in march/april and the summer, a march UY would be a little better than december...but december is not a bad choice.

 

[Sandisw]

Vicki,
I was thinking that if I borrowed for June 2012 vacation of that year from what I will be getting in December of the same year ( 2012), that I had to use the borrowed points before Nov 30 of the folllowing year ( 2013), but you said that if I borrow for my June vacation from the upcoming points coming in December I will have to use them by November 30 of the same year in case of a cancellation? That's even before the UY starts!
Am I correct?
thanks

I think what is getting confusing is that with a Dec UY, most of the travel happens in the next calendar year.

Here is the what I do to keep straight what I can use for what trips:

First, figure out the UY your travel will happen. Once you know this, it can be "paid" for with banked points from the previous UY, current UY points (at time of travel), and borrowed points from the next UY.

So, using your June 2012 trip as an example, it would look like this:

If you have a June UY, this trip happens in your 2012 UY. To pay for it, you can use banked 2011 points, 2012 points, and borrowed points from 2013.

If you have a December UY, this trip would happen in your Dec 2011 UY. To pay for it, you would be able to use banked 2010 UY points, 2011 points, and borrowed 2012 points.

Regardless of which UY you choose, you could still call in July 2011 to book this trip 11 months out.

With a Dec UY, both your April and June/July trips happen within the first 8 months.

With a June UY, your June/July trips happen within the first few months, but any April trips would happen toward the end of your UY. If you ever borrowed points for an April trip and cancelled, you would only have May of that same year to use up those points before they expired.

 

[vicki_c]

I think what is getting confusing is that with a Dec UY, most of the travel happens in the next calendar year.

I agree - December is the MOST confusing use year to figure out, IMO.

Hopefully sandi & chalee agreed with what I said above because I don't think my brain is up for figuring out if any of those later posts disagreed with me!

 

[vinmar4]

I get it!
I think!
I had figured out about using past, present and borrowing but I was wrong in thinking that if I had to cancel, the borrowed ones would go back to the UY that they were borrowed from. Now, I kep on going back and forth about getting or not the 240 points splitted between the AKV with 140 and 100 at BLT, but I thinkt that I would really like to have the 11 months for both to be able to get what we need. I was thinking that we may stay 1 week at AKV in a 2 bedrrom and 2-3 days in a 2 studios at BLT. Maybe by 2014 we will be able to buy with extra points with cash if need be.
thanks again