Help me with banking

[Raenstoirm]

I get the idea of banking in a general sense, but the practicality is escaping me. Can I lay out a hypothetical and you guys tell me if I am right? I picked round numbers just to make it easy.

So lets say I buy a contract of 100 points (UY aug) So Aug 2014, I get 100 points and immediately bank them since we won't use them till fall 2015. Aug 2015, I then get 200 points. For the fall trip we use 120 points, so 100 banked and 20 "fresh" and then we bank that 80. Aug 2016 we get 180. Sept 2016 we use another 120, so 80 of the banked and 60 "fresh". Can this pattern continue for the next 3 years until we have nothing more to bank? (and then we buy a few more points or borrow or start doing the $15 a point rental thing from disney for that extra 20 we need a year).

 

[bwvBound]

With the exception of a minor miscalculation -- yes, I think you've got it!

I get the idea of banking in a general sense, but the practicality is escaping me. Can I lay out a hypothetical and you guys tell me if I am right? I picked round numbers just to make it easy.

So lets say I buy a contract of 100 points (UY aug) So Aug 2014, I get 100 points and immediately bank them since we won't use them till fall 2015. Aug 2015, I then get 200 points. For the fall trip we use 120 points, so 100 banked and 20 "fresh" and then we bank that 80. Aug 2016 we get 180. Sept 2016 we use another 120, so 80 of the banked and 40 60 "fresh". Can this pattern continue for the next 3 years until we have nothing more to bank? (and then we buy a few more points or borrow or start doing the $15 a point rental thing from disney for that extra 20 we need a year).

 

[Raenstoirm]

But if we find a resale with banked 2013 points, those points would be useless to us unless we cancel our fall 2014 hotel and use points or we plan on an extra trip before the UY is over (based on my scenario)?

I am trying to determine the value of certain resales. Ones with banked 2013 points are going for higher, but I don't think that is a value to us given our travel plans.

 

[disneynutz]

But if we find a resale with banked 2013 points, those points would be useless to us unless we cancel our fall 2014 hotel and use points or we plan on an extra trip before the UY is over (based on my scenario)?

I am trying to determine the value of certain resales. Ones with banked 2013 points are going for higher, but I don't think that is a value to us given our travel plans.

Figure that the banked points are worth $11 each and work the numbers to see if it's a good buy.

Bill