Floridaman76
Guest
- Joined
- Aug 3, 2024
- Messages
- 121
- Reaction score
- 71
- Resorts Owned
- Wyndham Bali Hai
Let us try an example. Say you own a 105k January Use Year and you purchase a 105k April Use Year that transfers to you sometime in April, 2025 (roughly the timing for the transfer of that Bali Hai contract). In 2025, you would pay 12 months of dues for the 105k January Use Year plus 8 months (May-Dec) dues for the 105k April Use Year that is now aligned with your January Use Year. On January 1, 2026 you will receive 210k points to use, but paid only 12 months + 8 months of dues (20 months, not 24 months) on the total 210k points. You came out 4 months ahead. In 2026 you pay 12 months of dues on 210k points and receive the 210k points on January 1, 2027, etc. every year after that.
So let me throw a hypthetical example out there, based on yours and PaxSarah's input.
I have an October UY, and I buy a July UY contract in December 2024, and let's say it finishes transferring in May or June of 2025. In theory, since it's outside of the "6 months" where they supposedly wont transfer points, in theory, assuming they re-align the July UY contract to October with all my other contracts, I will not get any 2025 points (since 2025 points would be defined as 7/1/2024 to 6/30/2025) but would get the full allotment of that contract on 10/1/2025, which is considered 2026 points. Along with the rest of my full contracts.
I would be in essence be paying for ~3 months of MF on points which I cannot use in my current use year (without borrowing them from 2026 UY), but I would get them all on October 1, or as soon as the contract transfers, I could use them for "next use year" bookings, just not anything for the current use year without borrowing.
I still think the best thing to do would be to buy a contract with the same use year, but this helps me understand this a little better.