Use Year - February or September?

[csmommy]

If you had a choice would you choose Feb or Sept? I am looking at 2 different resale at OKW, same # of points different use months.

I am thinking that September would be best because of when I would be closing, it would give me the biggest window of time. Am I looking at this right?

 

[abner1776]

Do they both come with 2006 points ? If yes, then Sept is better cause you have more time to decided whether to use the points or bank them.

I am assuming that neither contracts have 2005 points or they are both banked.

Also unknown is when do you plan on vacationing at WDW to use the points. If you visit in the summer most times, then Sept UY can be a problem if you ever have to cancel a ressie. If instead you visit in Dec or Jan, then a Feb UY will have the same problem.

 

[csmommy]

Yes, they both come with 2006 points, nothing borrowed & nothing banked. As for when we would travel, probably June, October or April.

 

[greenban]

Yes, they both come with 2006 points, nothing borrowed & nothing banked. As for when we would travel, probably June, October or April.

Hi!

If you would most likely be traveling in April, June or October, then the February UY may make more sense. If you had to cancel your April or June Trips, you could still use the points until January 31st of the current UY or bank 100% of the points until July 31st(assuming not already banked or borrowed) into the next use year. And even if you had to cancel an October trip, you could still bank 50% of your points until October 31st of your UY.

Now if you had a September UY, Your 100% banking deadline is Feb 28th, meaning any April or June vacation you cancel may be at risk depending what percentage of your total points the cancelled ressie may have represented. In fact your 50% Deadline is May 31st, and at the end of June you could only bank 25% of your UY points.

So, if your planned vacation times are even close to accurate, the Feb UY is much better for you.

Also, MS will allow a 1 time 'secret' banking exemption on each master contract, they will let you bank any 'bankable' points (never previously banked or borrowed) once you are in the system!

Good luck, beat the ROFR monster!

-Tony

 

[csmommy]

Good luck, beat the ROFR monster!

-Tony

Thanks I hope to.