Is MB a good deal in this situation?

[LIFERBABE]

Im in the process of purchasing 160 pts at BCV March UY.

I've opted to do MB for my 2003 pts.

My next June ressie will require I borrow 85 2005 pts.

Now I'm reconsidering MB. If I elect to not use MB I will have 160 pts for 2003 still within 100% banking window and it will cost me 4 months of dues. Is this correct?
Yes my contract will cost me $1600 more dollars but Im paying dues for points I sold back.

On the other hand, if I opt not to use MB, this increases my point cost to $84 ppt and with the SSR deal at $79 ppt that throws in another consideration. This means the SSR contract for 160 pts would cost us $800 less than the BCV contract, plus we'd have all the points and a dues grace period.

Since BCV point schedule is fairly uncomplicated as far as views and no GV's wouldn't that be fairly easy to book except at hi peak times?
If we book at 7 months for BCV, could we at least get in the door(ressie) to use SAB if we wanted to?

If I had a point sched. for SSR it would make things clearer.

Is all this correct or I am missing pieces of this equation?

Now my head is spinning.......

 

[floridafam]

If you buy SSR, what use year would you have?

How many pts is your ressie going to take for next June?

 

[RobDoc]

Here is a link to <a href="http://disboards.com/showthread.php?s=&threadid=416317">Caskbill's point chart comparison.</a>

Hope it helps with your decision.

 

[LIFERBABE]

If I buy SSR I would have a Dec. UY.

Next June our ressie will be 245 pts at BCV for 2brd. 6 nights.

Doc. Thank you for the link. From the link it looks like SSR will be a few pts cheaper than BCV but the GV's would be expensive.
The dues would also be cheaper by a few cents.

If I go with SSR can I bank my Dec. points or when would I have to use them?

 

[floridafam]

There is no MB for SSR.

If you buy in, you can get the $10 credit AND you would still get your first set of pts in December.

It would be $89 a point then you would take $10 off per point for the credit. You would have to put 10% down.

I bleieve your payments would start on May 15 or June 1.

You would pay dues on the pts from December on.

So buy in, take the credit and you still get 160 pts in December. You would have to borrow the 85 from next December's points.

The credit they are giving for SSR is not called MB and does not require you to sell your first year's pts back.

 

[LIFERBABE]

Thanks FloridaFam

I'm going to take a break now and ponder the universe!

I think I get it. I would still be in a borrowing situation if I go with the Dec. UY. So technically I would not have any additional points for my June 04 trip going this route as I will be waiting til the end of the year for my points to post.

I can't go into 2004 with 160 2003 pts receive 160 2004 pts with the option to borrow 160 2005 pts.

Since we travel in the summer (Dream season) Dec. UY would always have us in a borrowing situation instead of a banking, current year, and borrowing (300% pts) situation.

Bottom line is if I want the extra points for my June ressie I have to borrow or buy them.

I would to occasionally achieve the 300% but with SSR and a Dec UY it would be difficult, as I would have to wait an extra year.

Even if no one else understands this, I think I do and I appreciate all the help in working this one through.

Lifer

 

[floridafam]

You're right. I don't understand

You can use 3 years of pts at any given time because you would have current year's pts, points borrowed from the next year and points banked from the year before. Anyway, it sounds like you get that part of DVC.

December use year is great for SSR, IMHO.

You will get 160 pts this Dec. You would get another 160 Dec. 2004. If you borrow 85 from 2004 then you would only get 160-85 in Dec. 2004.

Why do you think that you would always be in a borrowing situation?

Even if you were, I don't think that's necessarily a bad thing.

Now that you know you can receive the credit AND keep your first year's points maybe you should just buy more points.