Thinking about Purchsing! In a Right Muddle!

[Bonnie151]

I've number crunched, looked at best case scenarios and worst case scenarios (based in UK so need to factor in exchange rate fluctuations!) and I *think* I can finally strongly justify buying into VWL to DH!

However, I'm not sure I'm fully understanding banking/borrowing and what UY I'd be looking for for a contract to purchase via resale. I really apologise for asking because I've read countless threads and am still trying to make sense of it!

Longer term we'll be looking to use our points every other year (with the odd once a year visit, hopefully!), but for our next trip, MIL/FIL will be joining us, so I will want to use 3 years of banked/current/borrowed points for a 2br villa.

The trip will be for 2 weeks in October 2013. So am I right in thinking that I would need a 2012 contract for sale with a UY before October?

E.g. with a June UY I would bank the June 2012 points. Then I would book the Oct '13 holiday in Nov 2012 with the intention of using the banked June 2012 points, June 2013 points and borrowed June 2014 points for an October 2013 holiday??

 

[KAT4DISNEY]

It's best to think long term and not just concentrate on one single trip. If you expect that the majority of your travels to WDW will be in Oct then a UY of Mar, April, June, August, Sept or Oct will all work with the bolded one's closer to Oct being the best. UY is important only if you have to cancel. By having one closer to your time of travel it allows you the ability to bank any current points as long as you are cancelling 30+ days out. And if you are consistently using banked and borrowed points then the UY that is closer to your date of travel will give you longer to find a way to use the banked and borrowed points that would otherwise expire at the end of your UY.

I just wanted to mention the other UY's though in case there was a great deal that you found via resale in one over the other. And if your travel won't always be Oct then the best UY might be something different.

With any of the above UY's you would be able to use banked 2012 points, current 2013 points and borrow 2014 points for a trip in Oct 2013. Another thing to keep in mind is that when you book has nothing to do with the points you are allowed to use. The key is that they points are valid to be used at the time of your trip. So in your search for a resale you want it to have 2012 points and all others going forward.

 

[Bonnie151]

Thanks Kathy, that's much clearer - I'd originally assumed you based your points on when you booked, then read that you based them on the actual trip and had ended up hopelessly confused!

We would only ever book in either August, September or October. 2013 will be in October so that FIL doesn't have to cope with the August heat (we'll be taking the children out of school for 3 days as a once off). Then we'll have 3 August trips until the kids have left school, and then (fingers crossed for no university aged children wanting to join us!), it'll be back to DH & I and to our old Sept/Oct visits!

So I'll look for contracts with UY's up to August.