Help me bank/borrow points for vacation

[hmire]

OK I am new to all of this. In process of buying resale now. The contract I am getting is 210 points SSR with 420 coming on June 2012. (so 210 expire 5/31/13). Want to start planing a Aulani for end of May/beginning of June 2014. (whatever works out)..It is (going off of 2013 points)..322 for pool view and 350 for ocean view. So how many to bank/borrow in the coming years to make sure I have enough for 2014. If possible still want to do a vacation in Adventure/choice seasons during 2013 and 2014.

 

[Deb & Bill]

OK I am new to all of this. In process of buying resale now. The contract I am getting is 210 points SSR with 420 coming on June 2012. (so 210 expire 5/31/13). Want to start planing a Aulani for end of May/beginning of June 2014. (whatever works out)..It is (going off of 2013 points)..322 for pool view and 350 for ocean view. So how many to bank/borrow in the coming years to make sure I have enough for 2014. If possible still want to do a vacation in Adventure/choice seasons during 2013 and 2014.

If your trip starts in May 2014 and ends in June 2014, it will fall into two UYs. The first part of your trip wil be in the June 2013 UY and the second part will be in the June 2014 UY. So you could use June 2012 points banked into June 2013 for the May nights. You could bank any June 2013 into June 2014 to use for the June nights.

 

[RobDoc]

You could also borrow points from the June, 2015 Use Year for nights in June, 2014.

 

[luckyman_apd]

A May/June trip is the PERFECT timing for a June UY. You are giving yourself a window of 4 years of points to use on this trip. June 2013 along with banked June 2012 can be used for the May dates of 2014 in HI, and then the June part of the trip can use any June 2013 points you may have banked, plus the June 2014, and any June 2015 points that could be borrowed.

So, you have until May 31st 2013 to use the 210 banked 2011 points. You could plan an adventure season trip Jan 2013 with the banked 2011 points as this is the only way to use them based on what you've posted (unless you are going in 2012). You could then plan the Aulani trip to overlap end of May/beginning of June (as long as there is availability at 7 months) with the 2012 210 points (as you will have to bank them to get to 2014) Hopefully it works out that the May part of your trip could use all 210 of those points as they would expire by may 31 2014 and you will have to find another use for them. Then the June portion of the trip could use the 2013 points (would have to have banked them). So then the 2013 points could be used for a choice season trip in 2014 as well as 2014 pts.

You have a good sized contract for this, and those banked 2011 points were a good deal to get with your purchase. You have plenty of points to play around with, and depending on how many days you want to stay in WDW and availability for Aulani are key to the banking/borrowing. Enjoy

 

[hmire]

Thanks...I am so confused. I understand all you all are saying but get confused. Ok so in Nov 2012 we will be going to WDW (using our banked 2011 points). I will bank 2012 (210) points. I would like to go back in Oct 2013 trip lets just say use 106 points. (so that leaves me with 104 points to use for May part of 2014). Use 210 of 2014 points for June part and borrow 100 from 2015. (To use on rest of June dates and a Nov 2014 WDW trip. That will leave to around 110 to use in 2015. Is that right??????

 

[Sandisw]

Thanks...I am so confused. I understand all you all are saying but get confused. Ok so in Nov 2012 we will be going to WDW (using our banked 2011 points). I will bank 2012 (210) points. I would like to go back in Oct 2013 trip lets just say use 106 points. (so that leaves me with 104 points to use for May part of 2014). Use 210 of 2014 points for June part and borrow 100 from 2015. (To use on rest of June dates and a Nov 2014 WDW trip. That will leave to around 110 to use in 2015. Is that right??????

That sounds right. The only part that may need to change is whether or not the 104 points you will have to use for the May 2014 dates is enough. If not, you will have to borrow some of your 2014 UY points to cover those dates but that should mean you would be borrowing less of your 2015 UY points.

The biggest drawback with this plan--just so you know--is that traveling that close to your UY with banked/borrowed points puts you at risk of losing a lot of points if you have to cancel the trip. In this case, I might invest in travel insurance.

Good luck!

 

[luckyman_apd]

That sounds right. The only part that may need to change is whether or not the 104 points you will have to use for the May 2014 dates is enough. If not, you will have to borrow some of your 2014 UY points to cover those dates but that should mean you would be borrowing less of your 2015 UY points.

The biggest drawback with this plan--just so you know--is that traveling that close to your UY with banked/borrowed points puts you at risk of losing a lot of points if you have to cancel the trip. In this case, I might invest in travel insurance.

Good luck!

Where is a good place to get travel insurance? I've only ever used it for my OBX vacations and it's available through the realty company we rent from. Actually, all the realty companies down there use the same insurance company. It's always wise to pay for it down there because of the risk of a hurricane ruining your vacation. I've never actually thought of travel insurance for a Disney trip.

 

[hmire]

Am I using all my points or did I leave some out? When typing it I understood it, but now I have confused myself. using 210 (banked 2012 points for Oct 2013 trip and May 2014 trip). So for May use 2012 and 2013 points (around 334). I think I forgot about all of my 2013 points in the above post, is that right???

 

[chalee94]

just simplify it.

figure out what UY your stay is in - may 2014 nights are in your 2013 UY.

when you call to book a stay in your 2013 UY, you can use up to 3 use years of pts:

banked 2012 pts
current 2013 pts (current based on the dates of stay)
borrowed 2014 pts (if needed)

and when you call to book a stay in your 2014 UY in june 2014, you can use up to 3 use years of pts:

banked 2013 pts
current 2014 pts
borrowed 2015 pts (if needed)

 

[Sandisw]

Where is a good place to get travel insurance? I've only ever used it for my OBX vacations and it's available through the realty company we rent from. Actually, all the realty companies down there use the same insurance company. It's always wise to pay for it down there because of the risk of a hurricane ruining your vacation. I've never actually thought of travel insurance for a Disney trip.

You can now get it through DVC. There is info on the member website or you can call and talk to a CM at MS about it.

 

[Sandisw]

Am I using all my points or did I leave some out? When typing it I understood it, but now I have confused myself. using 210 (banked 2012 points for Oct 2013 trip and May 2014 trip). So for May use 2012 and 2013 points (around 334). I think I forgot about all of my 2013 points in the above post, is that right???

You didn't really mention how many you plan to use for the October 2012 so its a little hard to tell.

But, I re-did things and here is what I get:

Traveling in November 2012 using banked 2011 UY points.

Traveling in October 2013 using 106 banked 2012 UY points, leaving 104 banked 2012 UY points.

You will still have 210 2013 UY points, so yes, you did forget about them and so did I.

That would give you 314 points to use for the May 2014 dates (those that fall in your 2013 UY) and then have 210 points (plus any banked 2013 UY points you won't need for those May days) to use for the days in June 2014 (that fall in your 2014 UY).

So, what you will want to do is figure out how many points you will need for those May 2014 days and use up the 104 banked 2012 UY points, fill in with 2013 UY points and then bank any remaining 2013 UY points to use for those June 2014 days.

 

[minpin3]

Great topic and info!

 

[hmire]

This is what I decided to do. Use 2012 banked points to use on fall WDW 2013 trip. Use 200 2013 points. 150 of 2014 points and borrow 75 from 2015 (to use with 2014 points for a WDW trip in fall 2014). Going by 2013 point chart. Hope I figured that out right.