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Annual vs EOY

SteelerGal

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Currently, all of our inventory is EOY. Wondering is purchasing annual is worth it? Looking at Marriott?
 

WinniWoman

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Smugglers Notch Resort
Innseason Pollard Brook
I don't own Marriott or any points. I just own weeks timeshares and both are annual (3 weeks total). We like it because we just can drive to them (6 hours) every year. We rarely trade them anyway. Nothing to keep track of- we just show up and get our same units every year.
 
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Welk Resorts
Got this from the Marriott page on here. The borrowing system for Marriott seems to be a lot more flexible than with Welk, but still has limitations. EOY ownership is just limiting in general in my opinion. You can read up a lot more on it here https://tugbbs.com/forums/index.php?threads/faq-mvc-destinations-points-program.197346/
Borrowing - Points may be borrowed from their current Use Year to the one immediately preceding. The election may be made anytime (according to the MVCD Exchange Procedures document on my-vacationclub.com,)"... up to twenty-five (25) months prior to the first day of such Use Year. Borrowed Exchange Points may be used to make reservations for Use Periods that occur during the Use Year for which the Member is currently entitled to make reservations." Borrowed Points will expire if they are not used prior to the end of the Use Year from which they were borrowed. Once borrowed, such Points cannot be further borrowed or transferred. (*See "Waitlist Requests" and "Cancellations" below.)

For example, Points from a 1/1-12/31/15 Use Year may be borrowed for usage during the preceding 1/1-12/31/14 Use Year. The election to borrow may be made anytime on or after 12/1/12, which allows booking (by eligible Members) at the earliest 13-months Reservation Window for a 1/1/14 check-in date.
 

dagger1

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Houston
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Hyatt Wild Oak Ranch, Hyatt Main Street Station, Hyatt Ka’anapali; Marriott Ko’Olina, Marriott Waiohai; Marriott Maui Ocean Club; Wyndham CWA points, Worldmark credits.
We own EOYO weeks in Hawaii because we only want to go there every couple of years and don’t want to be in the rental business. We also wanted the lower entry price to get the OV and OF we wanted.
But, if you don’t mind the uncertainty/stress of renting, annual may be the way to go. Many Marriott, Hyatt and Westin owners are able to rent their Hawaiian (and other) timeshares and cover not only one years MF’s but also most if not all of another years Mf’s, thus staying in an upscale resort at no cost.
 

SteelerGal

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PamMo

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We own annual Marriott timeshares. Using the points for one of them has been great for weekly/short vacations, and the other 2BR we use or break up into a 1BR and studio for exchanging in Interval. We have a lot of flexibility for vacations, so we love having annual usage. I think it all depends on how YOU vacation whether or not an annual or EOY week works for you.
 
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