Managing two use years

[AstroBlasters]

I was surprised this got so many upvotes. Am I missing something or is this not just letting the calendar year difference confuse things?

A Dec & a Feb UY have 10 months of overlap. The fact that it’s Dec’24 and Feb’25 that have that overlap doesn’t actually matter. It’s the same functional overlap as having an April & June or October & December UY.

Seems to me the worst combination would be something like March & September, April & October, or June & December…

I actually think the combos you mentioned as “the worst” are more optimized.

As an example, if someone is a teacher who has summers and holidays off (and magically doesn’t need to work a 2nd job) then I could see them getting a DEC UY and June UY.

They can get enough points in each UY for a vacation and they won’t have to worry about being past a banking period if they need to cancel the trip.

 

[intamin]

I actually think the combos you mentioned as “the worst” are more optimized.

As an example, if someone is a teacher who has summers and holidays off (and magically doesn’t need to work a 2nd job) then I could see them getting a DEC UY and June UY.

They can get enough points in each UY for a vacation and they won’t have to worry about being past a banking period if they need to cancel the trip.

Agreed. Those are actually close to ideal combinations. They're evenly spaced out where no matter what time of year, you can choose which membership you use the points from and if you choose correctly, guarantee that as long as you cancel before the holding period, you'll still be able to bank. In OPs situation, a trip in November that needs to be cancelled would result in unbankable points regardless of being booked with either use year assuming the trip was cancelled 10/1 and after.

Sure, it's unlikely that that would happen if OP wasnt able to plan that far enough out and cancel, but with an appropriate use year setup, it would be impossible for that to occur.

 

[jolynne28]

This is what I was thinking too.. I have 10 months to use them together so long as I bank the December akv into the feb BLT UY. I just better make sure I go by November 30th of that year, giving me 10 months to use together unless I'm mistaken. I'm presuming that people don't like it because it's risky not being able to bank december if I don't make it to a trip whereas if I just had a February use year If I miss the trip before September 30th I can bank.

So the resistance here is just in case I can't go as planned and miss my banking deadline and can't go before November 30th.... if not I'll be all good it seems, despite being a PITA to transfer and book accordingly, but I get it stuff happens and it's better to be able to bank.

You're doing it again...The tribe has spoken, please bring me your torch...wait wrong forum.

 

[AstroBlasters]

You're doing it again...The tribe has spoken, please bring me your torch...wait wrong forum.

My wife has told me that it is very hard to throw sand into the purchase justification machine….

 

[intamin]

This is what I was thinking too.. I have 10 months to use them together so long as I bank the December akv into the feb BLT UY. I just better make sure I go by November 30th of that year, giving me 10 months to use together unless I'm mistaken. I'm presuming that people don't like it because it's risky not being able to bank december if I don't make it to a trip whereas if I just had a February use year If I miss the trip before September 30th I can bank.

So the resistance here is just in case I can't go as planned and miss my banking deadline and can't go before November 30th.... if not I'll be all good it seems, despite being a PITA to transfer and book accordingly, but I get it stuff happens and it's better to be able to bank.

What were telling you is you don't need to make yourself do the mental gymnastics for the remaining 30+ years of ownership and you're making this unnecessarily difficult on yourself. But again, do what you like. I think we've all already made our stance on this pretty clear

 

[jolynne28]

My wife has told me that it is very hard to throw sand into the purchase justification machine….

Ha well she's right, the dopamine force is strong in this one.

 

[intamin]

I was surprised this got so many upvotes. Am I missing something or is this not just letting the calendar year difference confuse things?

A Dec & a Feb UY have 10 months of overlap. The fact that it’s Dec’24 and Feb’25 that have that overlap doesn’t actually matter. It’s the same functional overlap as having an April & June or October & December UY.

Seems to me the worst combination would be something like March & September, April & October, or June & December…

I thought about what you said and I understand where you're coming from. However, I still recommend against it because if you're chronically in a state of borrowing, that means you MUST visit Disney because those points now expire at the end of the use year. If everything goes according to plan for the next 30 years t and you never have to cancel then yeah it'll work great but if you do have to cancel it who knows if OP will be able to take a trip later that year? You lose a lot of DVCs flexibility when you're always banking/borrowing. I try to keep my memberships in the current year as much as possible to maximize that flexibility.

 

[intamin]

This is what I was thinking too.. I have 10 months to use them together so long as I bank the December akv into the feb BLT UY. I just better make sure I go by November 30th of that year, giving me 10 months to use together unless I'm mistaken. I'm presuming that people don't like it because it's risky not being able to bank december if I don't make it to a trip whereas if I just had a February use year If I miss the trip before September 30th I can bank.

So the resistance here is just in case I can't go as planned and miss my banking deadline and can't go before November 30th.... if not I'll be all good it seems, despite being a PITA to transfer and book accordingly, but I get it stuff happens and it's better to be able to bank.

I just don't understand why you're doing this with AKV of all things. AKV is easily attainable in a Feb UY. I speak from experience on this. I own a second use year with AKV in it and my AUL and I'm now wanting to downsize and keep all of my WDW points in just one.

 

[Girlstar30]

I just don't understand why you're doing this with AKV of all things. AKV is easily attainable in a Feb UY. I speak from experience on this. I own a second use year with AKV in it and my AUL and I'm now wanting to downsize and keep all of my WDW points in just one.

Dvcforless.com is why I was doing it and it has since been deleted

 

[pzw90]

Dvcforless.com is why I was doing it and it has since been deleted

@rferrar1 can you block people from your site? Its really for their own good

 

[D-Trick]

@Girlstar30 - I sure hope you're rescinding the Dec AKV and will reassess.

You're purchasing a new UY for all the wrong reasons when you haven't even gotten hands-on with your BLT!

If your plan is to use points together at the 7 month mark for a single reservation in the future (whether it be sporadically or always) then you should always have a single UY, especially if they're both WDW properties.

 

[Chili327]

I just don't understand why you're doing this with AKV of all things. AKV is easily attainable in a Feb UY. I speak from experience on this. I own a second use year with AKV in it and my AUL and I'm now wanting to downsize and keep all of my WDW points in just one.

Yes, I should have kept all my WDW in the same UY, but I justify it by having 2042 resorts in a different one, so it’ll get much more simplified in 2043. lol

Dvcforless.com is why I was doing it and it has since been deleted

You just have to have more will power. I use it multiple times daily, but all of my saved searches are set up with NO notifications, they’re just there for me to search quickly.

 

[Girlstar30]

I don't have the heart to drop it today, maybe tomorrow, Goodnight

 

[Girlstar30]

Yes, I should have kept all my WDW in the same UY, but I justify it by having 2042 resorts in a different one, so it’ll get much more simplified in 2043. lol


You just have to have more will power. I use it multiple times daily, but all of my saved searches are set up with NO notifications, they’re just there for me to search quickly.

Okay, I'll reactivate !

 

[Mikey15]

I thought about what you said and I understand where you're coming from. However, I still recommend against it because if you're chronically in a state of borrowing, that means you MUST visit Disney because those points now expire at the end of the use year. If everything goes according to plan for the next 30 years t and you never have to cancel then yeah it'll work great but if you do have to cancel it who knows if OP will be able to take a trip later that year? You lose a lot of DVCs flexibility when you're always banking/borrowing. I try to keep my memberships in the current year as much as possible to maximize that flexibility.

I guess that’s why I asked if I was missing anything. Say they already had the points now and were planning May’25 or Sept’25 trips. That’s within 7mo and current UY for both Dec’24 points and Feb’25 points. No banking or borrowing would be needed to use current UY December points?


Notwithstanding that OP did ask about banking their Dec points. At least a chronic banking position isn’t quite as precarious as chronic borrowing.

 

[Instagramhusband]

We have two use years, June and March so I feel you but we go year round so we could afford to just hunt for deals at the home resorts we loved.

In your case, as someone else has mentioned rescind if you can. These use years don't align with your usage goals.

 

[vicarrieous]

We recently decided to add on and took a good amount of time research and debating whether or not a different UY would be an issue for us. Ultimately it came down to how we planned to use our second contract (mostly for secondary trips banking and/or borrowing and not in conjunction with our 1st contract points) and wanting a lower cost contract that was loaded to boost points on the front end.

We ended up with a BLT Dec UY contract (still waiting for ROFR so maybe I am jinxing it). Before even making the offer, I made a timeline graphic to explain to my partner how this would work as he is less into the schematics of DVC. The benefit for these two UY's for us is that our new BLT contract helps give us the late spring and summer months before that banking deadline, while our BCV contract gives us the fall. Together we have our prime season of travel Dec-March incase we ever decide we want to combine the points for a longer trip or a larger room accommodation. We also know that life can change and while we are in need of more points and travel now, in the future if that changes, we can peel off and sell our small contract.



Long story short, two UY's for us will work. BUT that is not the case for everyone. Do your research. Understand why you are wanting/needing more points and how you as an owner will use them before jumping in.

 

[intamin]

I guess that’s why I asked if I was missing anything. Say they already had the points now and were planning May’25 or Sept’25 trips. That’s within 7mo and current UY for both Dec’24 points and Feb’25 points. No banking or borrowing would be needed to use current UY December points?


Notwithstanding that OP did ask about banking their Dec points. At least a chronic banking position isn’t quite as precarious as chronic borrowing.

Yeah that's fair. I'm not sure what the limitations are though regarding when member services will allow a member to transfer points with different use years if any? Theoretically can it work? Sure. I mean we saw someone managing 5 use years in here LOL. Should OP do it? Absolutely not. It's an unnecessary mess.

 

[JulieBeeRN]

Yeah that's fair. I'm not sure what the limitations are though regarding when member services will allow a member to transfer points with different use years if any? Theoretically can it work? Sure. I mean we saw someone managing 5 use years in here LOL. Should OP do it? Absolutely not. It's an unnecessary mess.

This. Right here.

OP, you've received a lot of good advice but it sounds like you have your mind set up to get both contracts. I still don't think that it's a good idea to add a contract with a different UY to have enough points for a one time trip to Aulani and to constantly borrowing/banking/transferring points to combine your contracts for your trips for the next 30 years. There will always be a great contract around the corner for your UY.

 

[kgou]

This. Right here.

OP, you've received a lot of good advice but it sounds like you have your mind set up to get both contracts. I still don't think that it's a good idea to add a contract with a different UY to have enough points for a one time trip to Aulani and to constantly borrowing/banking/transferring points to combine your contracts for your trips for the next 30 years. There will always be a great contract around the corner for your UY.

"There will always be a great contract around the corner for your UY" is spot on. If you wait patiently enough, especially at a resort like AK in this contract size, something else will come along at the price you want to pay.

It occurred to me that we're all advising to rescind without elaborating on how to go about rescinding. I've never been in this position, but isn't it as simple as calling the broker, saying that you are within your 10 day rescission period and want to rescind your offer? No explanation is needed as to why you changed your mind.