point confusion

[ryley44]

my dw and me are leaving in 12 days to the greatest place on earth. If we like the rooms at beach club we are going to buy I have one question say for this conversation we have a dec use year we book 2003 points and are not planning to go till 2005 when do we have to use the 2003 points by. thanks for all your help disney should hire you guys to sell their timeshares for them

 

[Cruelladeville]

First of all, if you are buying a December use year, the points right now are still the 2002 use year, since we haven't gotten to Dec. 2003 yet So if you are planning to travel in most of 2005, you will actually be using 2004 points! Now, since you have banked those 2003 points into 2004, you have until Nov. 30 of 2005 to use your 2003 and 2004 points, unless you banked the 2004 points.

 

[ryley44]

thanks for the info we are planning to go in 2005 and it sound like i need a late use year and we will be good thanks for your help

 

[disneyberry]

just wanted to mention that, by the time you are in Orlando (you said in 12 days, right?), Dec UY will probably be selling with 12/2003 points.
my guess is Disney will begin actively promoting Feb UYs (if there are any left... BCV is supposedly 85% sold out now)

in any case, since you're not going on another vacation until 2005, you will be fine.
if you decide to buy, just ask for a Dec 2003 Use Year. (if Dec is the one you want)
then, just like cruelladeville mentioned, you can then bank those 12/2003 points and you'll be able to use them anytime from 12/1/04 - 11/30/05.

it's good to be in a banking pattern from the beginning!

 

[ryley44]

thanks again we want to start off banking my and I have two kids and will be travling usally summers so i just was trying to get an idea about saving points

 

[disneyberry]

if you will usually be travelling summers, perhaps you could consider an April Use Year, if there are any left. (April UY has greatest flexibility for trips falling in Apr, May, Jun, Jul, Aug, Sep)

w/ an April UY, you could do Magical Beginnings to sell back your 4/2003 points at $10/pt and apply that amount to your down payment.
then when you get your new points in 4/2004, you can bank those into 2005 and can then use double your points during your 2005 Use Year (4/1/2005 - 3/31/2006).
so you can get a "discount" w/ MB, AND you'll still start off banking.

anyway, it's pretty hard to actually know for sure what your vacation patterns will be over the next 39 years though.
so, take any use year picking advice with a grain of salt.
(i.e. Dec UY or Apr UY could both end up working just as well for your family in the long run)

 

[ryley44]

okay one more question and i"ll try not to drive you insane. your idea is excellant with the sell back my dw thought it was just genius. my question is this say we book 2004 and have an april use year can i make my ressie for 2005 for june 2005 or do i have to wait till after my points come duein 2005 thanks for all your help next time we talk i hope its a welcome home