Newbie question (again) about banking/borrowing

[caseyem67]

I have been trying to figure this out all day and have the only thing I have succeeded at is confusing myself. Figured I'd make it easier on myself and come right to the experts!

Here's the situation: I want to do a full family vacation and will need to use close to three years of my points (with banking and borrowing). If we go in May of 2010(and reserve in June 2009), how do I figure out the banking/borrowing (Dec UY) so I have enough points?

I'm so confused...sorry if this is an obvious answer. What's tripping me up is the Dec UY. Thanks for any help.

 

[RobDoc]

With a December Use Year, your points may be used for stay between December 1 and the following November 30.

For a trip in May, 2010 - the Use Year current for that time is your 2009 Use Year. You would want to bank points from your December, 2008 Use Year so they may be used between 12/1/09 - 11/30/10 and you can borrow from your 2010 Use Year for the same time period.

If you have a 150 point contract- you could have up to 450 points available for a May, 2010 trip by banking your 2008 points, using 2009 points and borrowing from your 2010 points.

Enjoy!

 

[caseyem67]

Thanks, Doc. I KNEW someone would be able to answer that in a simple, easy-to-understand-way!