I have been saving for about a year now about buying into DVC as I do not want to finance and trying to save up enough money to buy a contract.I know I have a good 6 months until I get where I want to be before making offers, BUT: I am still a little confused about buying a contract witht he UY though and banked points. If someone could help me- it would be much appreciated. I really like to travel during the Flower and garden festival timeframe ( Mostly after Feb 25th). But a long labor day 5 day week(end) might also be in the picture for my family and I because of school issues in the forseeable future. -If I am buying/offering to buy in the Sept/October of this year ( 2012) and would not travel until after Feb. 28th in 2013, what kind of use year and banked points would I be on the lookout for? I hope I am making sense to someone. My husband is lost too-lol. A.Say if I see a Dec. contract with 2011 points banked does that mean I need to use all 2011 points by the end of Nov. 2013, right?So I could use all banked 2011 and current 2012 points for a Labor Day2013 weekend trip? B.Or if I see a Feb UY contract for sale- I would want the 2012 points banked and I can use them after Feb. 1st 2013 and I would have ( for example only at 150 pts banked and 150 point contract) 300 points to use Feb1st 2013-Jan. 31st 2014? I think I am making this a lot harder than it really is- but I do know I want to buy in and when I want to buy in and where and for how many points- but for some reason the UY timeframe keeps throwing me for a loop for the times I would like to try and travel. I just really want to grasp all of this before making a mistake on buying the wrong type of contract for us or misunderstanding the whole use year thing and losing a bunch of points right after making a purchase. Thanks bunches ahead of time for any responses!