1 00:00:05,160 --> 00:00:09,130 Hey. Everybody. 2 00:00:09,130 --> 00:00:12,450 And welcome to this week's episode of the DVC show. 3 00:00:12,450 --> 00:00:15,650 I am your host, Paul Krieger, and I'm joined this week by my 4 00:00:15,650 --> 00:00:19,610 lovely wife, Amy Krieger. Hello, we've got John Saccari, 5 00:00:19,610 --> 00:00:22,890 AKA Big Fat Panda with us. Hello everyone. 6 00:00:23,370 --> 00:00:27,330 Senior sales associate for the DVC resale market Derek De Boer. 7 00:00:28,170 --> 00:00:32,000 And now? And Jeff Haslam, who I spoke to 8 00:00:32,000 --> 00:00:35,720 not too long ago and he said I introduce everyone else with 9 00:00:35,720 --> 00:00:38,440 some sort of catch phrase and we don't have one for Jeff at this 10 00:00:38,440 --> 00:00:40,000 point. So I'm putting this out into the 11 00:00:40,000 --> 00:00:43,880 world for you folks at home to come up with a catch phrase for 12 00:00:43,880 --> 00:00:46,720 Jeff Haslam. This will. 13 00:00:47,000 --> 00:00:48,200 Be great. Do that right now. 14 00:00:49,920 --> 00:00:51,880 You asked. You asked me that when we were 15 00:00:51,880 --> 00:00:55,280 at dinner the other night and. And I figured I'd like get to 16 00:00:55,280 --> 00:00:57,520 pick my own nickname, not put it out to the Internet. 17 00:00:57,520 --> 00:00:59,560 My God. What would you what would be 18 00:00:59,560 --> 00:01:01,960 your pick? I have no idea. 19 00:01:03,040 --> 00:01:04,680 You put me on the spot. I've given you. 20 00:01:04,800 --> 00:01:06,520 I've given. You your opportunity, And now 21 00:01:06,520 --> 00:01:08,360 it's America's choice. So this is. 22 00:01:08,720 --> 00:01:11,360 Like an episode of Big Bang Theory where he wants his 23 00:01:11,440 --> 00:01:15,120 astronaut name to be Rocket Man and instead it gets Fruit Loops. 24 00:01:18,520 --> 00:01:19,720 That's what it's going to be now. 25 00:01:21,520 --> 00:01:23,000 Do you? Do you like Fruit Loops? 26 00:01:24,040 --> 00:01:27,320 I mean, no. Around the horn, Real quick. 27 00:01:27,320 --> 00:01:29,240 Favorite breakfast cereal? Panda. 28 00:01:31,480 --> 00:01:33,840 Cheery Cheerios. Just normal Cheerios. 29 00:01:34,240 --> 00:01:36,240 I like Cheerios, so strawberries and bananas. 30 00:01:36,560 --> 00:01:42,360 Cinnamon Wife is my choice. Derek Oh, that's I like crisp. 31 00:01:43,000 --> 00:01:46,600 Anybody remember crisp? It was like little tiny UFOs of 32 00:01:47,000 --> 00:01:50,720 pure 100% like sugar. I don't even think it was legal. 33 00:01:51,040 --> 00:01:51,880 What? Who was this? 34 00:01:52,960 --> 00:01:55,160 Quisp quisp Q It's a little cute. 35 00:01:55,480 --> 00:01:58,080 Little yes. Let's get the alien with the 36 00:01:58,120 --> 00:02:01,160 propeller. Deb, do you know what that is? 37 00:02:02,040 --> 00:02:05,400 I think Derek needs to put the beer down or the bong. 38 00:02:05,400 --> 00:02:06,160 What are? The. 39 00:02:08,960 --> 00:02:12,120 Quisp Quisp I'm telling you, by the time this show airs, you 40 00:02:12,120 --> 00:02:14,800 will have found the logo, you will have found the box and and 41 00:02:14,800 --> 00:02:18,760 it will appear in 321 quisp logo right here and. 42 00:02:19,080 --> 00:02:21,720 Not making it. And they They are delicious. 43 00:02:22,280 --> 00:02:25,800 You're delicious. OK, on that Jeff Favorite 44 00:02:25,800 --> 00:02:28,520 cereal. I'm a Crispix fan. 45 00:02:29,480 --> 00:02:31,600 A what? Crispix. 46 00:02:31,600 --> 00:02:33,160 Half rice checks, half corn checks. 47 00:02:33,160 --> 00:02:35,800 Good stuff. Oh, I just like you. 48 00:02:36,080 --> 00:02:36,800 Over. I'm over. 49 00:02:36,800 --> 00:02:39,200 I'll make you dinner. And if I make you dinner, I mean 50 00:02:39,200 --> 00:02:40,720 I'll pour some milk in a bowl. You can try it. 51 00:02:40,840 --> 00:02:43,840 I mean that is that is dinner on our DVC show nights for for the 52 00:02:43,840 --> 00:02:47,280 Krieger house, so. I mean, we don't do anything 53 00:02:47,280 --> 00:02:49,480 fancy after filming three or four of these shows. 54 00:02:49,680 --> 00:02:52,160 Well, thank you all for watching. 55 00:02:52,400 --> 00:02:54,600 This has been a great episode. We're going to call it a day. 56 00:02:55,480 --> 00:02:59,160 No, we are not. This was just the the light, the 57 00:02:59,160 --> 00:03:02,400 lightness at the top of the show as we get into what is going to 58 00:03:02,400 --> 00:03:06,680 be probably a pretty heavy topic, which is part of our new 59 00:03:06,680 --> 00:03:10,160 DVC Back to Basics series in which we're going to dive into 60 00:03:10,240 --> 00:03:14,600 all things UCO. So UCO is that term that. 61 00:03:14,920 --> 00:03:18,960 Everyone within the DVC space hears, and I think probably 62 00:03:18,960 --> 00:03:23,480 about 3% of us actually fully understand it, myself included. 63 00:03:23,480 --> 00:03:26,880 I don't think I know every aspect of what a use year is, 64 00:03:27,160 --> 00:03:28,840 even after talking about it and doing. 65 00:03:28,840 --> 00:03:34,600 It of those 3% who think we have some grasp, only like .5% know 66 00:03:34,600 --> 00:03:36,680 how to explain it and that's. Really. 67 00:03:36,680 --> 00:03:38,040 Not us. So you know. 68 00:03:38,840 --> 00:03:41,240 Bear bear with us here. We're going to, we're going to 69 00:03:41,400 --> 00:03:43,720 kind of try to tackle it the best we can. 70 00:03:43,960 --> 00:03:46,840 But we know that there's been a lot of questions about UC Year. 71 00:03:46,960 --> 00:03:51,040 We actually did a small short about it not too long ago and 72 00:03:51,040 --> 00:03:54,600 people were really asking us please dive more into the UC 73 00:03:54,600 --> 00:03:58,280 Year topic and what is AUC year as it relates to Disney Vacation 74 00:03:58,280 --> 00:04:00,080 Club. So we're going to kind of go 75 00:04:00,080 --> 00:04:02,440 into that today. But as always, please, if you 76 00:04:02,440 --> 00:04:06,080 love our content here on DVC Fan and the DVC Show, this is all 77 00:04:06,080 --> 00:04:09,880 brought. To you by the world of DVCDVC 78 00:04:09,920 --> 00:04:13,520 resale market, where you could buy or sell a Disney Vacation 79 00:04:13,520 --> 00:04:16,519 Club contract and Derek will explain to you in that process 80 00:04:16,519 --> 00:04:19,160 what a use year is. Monera Financial. 81 00:04:19,160 --> 00:04:22,000 If you're looking to finance that contract purchase, I don't 82 00:04:22,000 --> 00:04:24,600 think you have to worry about a use year and. 83 00:04:24,880 --> 00:04:29,320 I do get asked it a lot. And the DVC rental store where I 84 00:04:29,320 --> 00:04:32,200 can promise you nothing related to use year is discussed. 85 00:04:32,360 --> 00:04:36,360 You can rent your own points if you have some extra points. 86 00:04:36,520 --> 00:04:38,560 This year, I guess you would have to worry about the use 87 00:04:38,560 --> 00:04:40,480 here. I hear you on the phone going. 88 00:04:40,480 --> 00:04:43,000 What's your use here like every 10 minutes? 89 00:04:43,000 --> 00:04:46,000 I guess for the member side of things, yes, if you're a guest 90 00:04:46,000 --> 00:04:47,600 and you're looking to just. Yeah, that doesn't matter. 91 00:04:47,720 --> 00:04:50,320 And go to Walt Disney World for a fraction of the cost. 92 00:04:50,720 --> 00:04:54,120 That's not going to matter. And while I'm just plugging 93 00:04:54,120 --> 00:04:59,680 things, please also head over to patreon.com/DVC fan if you are 94 00:04:59,680 --> 00:05:02,400 not already a part of our Patreon community over there. 95 00:05:02,760 --> 00:05:05,840 It has been a hoot. And holler if I can use a West 96 00:05:05,840 --> 00:05:09,520 Virginia turn. So far tonight with Derek and 97 00:05:09,520 --> 00:05:13,400 his audio issues and the rest of us just having fun and if you 98 00:05:13,400 --> 00:05:16,360 want some raw unscripted thoughts of what Derek thinks of 99 00:05:16,360 --> 00:05:20,640 use years, it's going to go up over on the on the DVC fan 100 00:05:20,640 --> 00:05:23,720 Patreon SO. Better not be on Patreon. 101 00:05:25,040 --> 00:05:27,440 No, he froze now. Now he was completely frozen and 102 00:05:27,440 --> 00:05:30,320 that was perfect timing for the fact that we're talking about 103 00:05:30,320 --> 00:05:33,240 bloopers and and everything as it relates. 104 00:05:33,560 --> 00:05:35,800 There may be some obscenities over there on Patreon. 105 00:05:36,200 --> 00:05:40,000 Yes, yes. So patreon.com/DVC fan, if 106 00:05:40,000 --> 00:05:42,800 you're not already over there supporting us, please head 107 00:05:42,800 --> 00:05:44,160 there. If you are supporting us. 108 00:05:44,160 --> 00:05:45,640 Thank you so much for your support. 109 00:05:46,120 --> 00:05:49,680 It means the world to us. But without any further ado, 110 00:05:49,680 --> 00:05:52,440 we've talked about Serial. Let's talk about use here. 111 00:05:52,800 --> 00:05:58,040 So UC year is something that is extremely confusing when it 112 00:05:58,040 --> 00:06:01,200 comes to how your Disney Vacation Club points work. 113 00:06:01,400 --> 00:06:03,960 So when you buy a Disney Vacation Club contract, where do 114 00:06:03,960 --> 00:06:05,920 you buy direct or you buy resale? 115 00:06:06,240 --> 00:06:09,160 Essentially you're going to be assigned so many points per 116 00:06:09,160 --> 00:06:11,320 year. But when we say per year, we 117 00:06:11,320 --> 00:06:16,960 don't mean calendar year as in 2023 runs from January 1st until 118 00:06:16,960 --> 00:06:21,840 December 31st of the next year. We mean use year. 119 00:06:21,840 --> 00:06:24,800 So that's. Specific year of time in which 120 00:06:24,960 --> 00:06:29,120 you can use it, not something that is discussed all that much. 121 00:06:29,120 --> 00:06:31,880 When you buy direct, essentially your points are assigned to you 122 00:06:32,040 --> 00:06:34,680 and you get AUC year. But in resale and in the world 123 00:06:34,680 --> 00:06:38,000 of resale, it really gets discussed a whole lot more 124 00:06:38,000 --> 00:06:40,480 because essentially each contract already has a UC year 125 00:06:40,480 --> 00:06:42,760 associated with it. And I think that's the best 126 00:06:42,760 --> 00:06:45,280 place to start. Derek, kind of walk us through a 127 00:06:45,280 --> 00:06:48,560 little bit just about UC year and and how it relates to that 128 00:06:48,600 --> 00:06:50,560 that DVC resale contract purchase. 129 00:06:51,000 --> 00:06:54,440 Yeah, I think to preface this before I delve into my bowl of 130 00:06:54,440 --> 00:06:59,480 crisp cereal, I think probably more than anything, like you 131 00:06:59,480 --> 00:07:04,480 said, Paul user is the most thing that people get so hung up 132 00:07:04,560 --> 00:07:07,280 on user. They get so hung up on user. 133 00:07:07,280 --> 00:07:10,640 They go so deep in the weeds that I talked to folks and then 134 00:07:10,640 --> 00:07:13,400 I need a weed whacker to get them out of the whole user 135 00:07:13,400 --> 00:07:16,600 conversation That truly at the end of the day, folks user is 136 00:07:16,600 --> 00:07:19,680 simply the month. That Tinkerbell deposits your 137 00:07:19,680 --> 00:07:22,480 Disney Vacation Club points into your account. 138 00:07:23,080 --> 00:07:25,800 That's it. Use year has nothing to do with 139 00:07:25,800 --> 00:07:28,320 booking. Use year simply means that your 140 00:07:28,320 --> 00:07:31,600 points have to be used within that use year. 141 00:07:31,600 --> 00:07:35,200 For example, if I have a June use year, that means those 142 00:07:35,200 --> 00:07:39,680 points that year are good from June 1st all the way until the 143 00:07:39,680 --> 00:07:43,520 following May 31st. If I have an April use year, 144 00:07:43,680 --> 00:07:46,640 that means those points. That Tinker Bell puts into my 145 00:07:46,640 --> 00:07:50,520 account April first are good all the way through that following 146 00:07:50,520 --> 00:07:54,680 year up until that April first. Remember, the most important 147 00:07:54,680 --> 00:07:58,680 thing is booking your home resort, the one you buy 11 148 00:07:58,680 --> 00:08:01,720 months out and you can book any other Disney Vacation Club 149 00:08:01,720 --> 00:08:03,520 resort starting at seven months out. 150 00:08:03,520 --> 00:08:06,960 So what I stress people really think and I don't blame them, I 151 00:08:06,960 --> 00:08:09,480 would too, because like you said, Paul, when you buy from 152 00:08:09,480 --> 00:08:12,200 Disney Direct, you don't get to pick a use here. 153 00:08:12,560 --> 00:08:15,200 Like, you literally sit with Disney and they will tell you, 154 00:08:15,200 --> 00:08:17,440 great, So welcome to Disney Vacation Club. 155 00:08:17,440 --> 00:08:19,360 You're going to get your points every single March. 156 00:08:19,560 --> 00:08:20,880 That's it. Or you're going to get your 157 00:08:20,880 --> 00:08:23,360 points every single June. You don't have a pick when you 158 00:08:23,360 --> 00:08:25,560 come to our website, you're going to see, Oh my God. 159 00:08:25,560 --> 00:08:28,520 So some of these have October, some of these have December, 160 00:08:28,520 --> 00:08:31,120 some of these have February. Well, I like to travel in 161 00:08:31,360 --> 00:08:33,400 February or I like to travel here. 162 00:08:34,080 --> 00:08:36,280 Always remember, it's just eleven months out. 163 00:08:36,280 --> 00:08:40,240 This is not Monopoly. Folks think that they cannot 164 00:08:40,240 --> 00:08:43,760 book a Disney Vacation Club trip until they quote, UN quote pass 165 00:08:43,760 --> 00:08:46,280 go. Oh so we like to travel in June. 166 00:08:46,280 --> 00:08:49,200 So if I have a February use here, that means I could book 167 00:08:49,200 --> 00:08:53,680 starting February 1st. And it's like, no, do not wait 168 00:08:53,760 --> 00:08:56,600 until February 1st to book your trip for that June. 169 00:08:56,840 --> 00:08:59,560 It just means that those points are in your account. 170 00:08:59,560 --> 00:09:02,800 So if you have a June use year, right, let's say June, that 171 00:09:02,800 --> 00:09:06,520 means it's good from June 1st all the way up until May 31st. 172 00:09:06,520 --> 00:09:09,600 That's all that that means. So never think that use year has 173 00:09:09,720 --> 00:09:12,440 anything to do with actually booking. 174 00:09:12,440 --> 00:09:16,760 It just means the points within that year just have to take 175 00:09:16,760 --> 00:09:18,480 place. That trip has to take place 176 00:09:18,640 --> 00:09:20,640 within that use year. So likewise. 177 00:09:20,960 --> 00:09:24,800 If I banked my points, let's say I have a June use year, and if I 178 00:09:24,800 --> 00:09:31,920 banked my 200 points from June 2024 into June 2025, that means 179 00:09:31,920 --> 00:09:36,400 those points then have to be used June 1st of 2025. 180 00:09:36,840 --> 00:09:41,560 Up until May 31st of 2026. You have to use one set of 181 00:09:41,560 --> 00:09:44,000 points. Every single two years. 182 00:09:44,000 --> 00:09:47,720 So your use here simply means it's that window of time that 183 00:09:47,720 --> 00:09:50,600 you have to use your points. So whether you bank points or 184 00:09:50,600 --> 00:09:53,400 borrow points, you have to use one set of points every two 185 00:09:53,400 --> 00:09:57,000 years and it just means the trip has to take place during that 186 00:09:57,000 --> 00:09:58,600 window. So just try. 187 00:09:59,360 --> 00:10:02,160 As you do research on Disney Vacation Club, try not to get 188 00:10:02,160 --> 00:10:04,400 bogged down in use here. And I don't blame there's so 189 00:10:04,400 --> 00:10:07,760 many sites online that people will go into buy this one or you 190 00:10:07,760 --> 00:10:10,760 need to buy that one. There's some cases to where if 191 00:10:10,760 --> 00:10:14,520 you only travel, let's say you know, one specific month of the 192 00:10:14,520 --> 00:10:17,960 year, then you could sit with us and we're happy to answer which 193 00:10:17,960 --> 00:10:21,040 one is going to work out best simply for cancellation 194 00:10:21,040 --> 00:10:23,280 purposes. But other than that, if you're a 195 00:10:23,280 --> 00:10:26,320 family that says sometimes we go in June, sometimes we go in 196 00:10:26,360 --> 00:10:29,000 October, sometimes we do a little spring break trip, then 197 00:10:29,000 --> 00:10:31,760 it just doesn't matter. Just try not to get bogged down 198 00:10:31,800 --> 00:10:35,160 in the weeds of use here. I think, I think we're done 199 00:10:35,160 --> 00:10:37,280 here. I think that covers the whole It 200 00:10:37,400 --> 00:10:39,720 was a pretty it was a pretty good explanation. 201 00:10:39,720 --> 00:10:42,720 About 10 minutes and I. Do want to say that while you 202 00:10:42,720 --> 00:10:48,160 were lecturing about about youth here, I I looked up Quip and 203 00:10:48,160 --> 00:10:51,280 they stopped making it in the late 70s and Paul and I were 204 00:10:51,280 --> 00:10:55,720 born in the late 80s, so we're about 10 years after Quip. 205 00:10:55,760 --> 00:10:59,120 So sorry, Well. Yeah, like I said, I don't. 206 00:10:59,200 --> 00:11:00,960 It's funny that you bring that up because. 207 00:11:01,680 --> 00:11:06,200 I also googled it and I'm I'm going to send this to you guys, 208 00:11:06,200 --> 00:11:11,640 but there is a box of crisp cereal on eBay for $7.77 but 209 00:11:11,640 --> 00:11:17,160 it's huge so I'm not sure where to go with that, but I have the 210 00:11:17,160 --> 00:11:19,520 proof I'll send it. I'm not sure where to go with 211 00:11:19,520 --> 00:11:23,880 this show at this point because if if half of the audience that 212 00:11:23,880 --> 00:11:26,840 is currently listening to this show while Derek was talking. 213 00:11:28,040 --> 00:11:32,160 I'm sorry, 75% of the audience of this show. 214 00:11:32,400 --> 00:11:34,000 How did you print that out so fast? 215 00:11:35,320 --> 00:11:37,560 Well, he was doing his lecture. I was busy. 216 00:11:37,760 --> 00:11:42,400 Disney Magic Why? Why Professor Derek was 217 00:11:42,400 --> 00:11:44,400 speaking. Panda and I are in the back of 218 00:11:44,400 --> 00:11:46,200 the classroom. Pass a note. 219 00:11:46,760 --> 00:11:48,600 Yeah we've got we've got great students here. 220 00:11:48,600 --> 00:11:51,120 Well, I, I there are going to be people that listen to this show 221 00:11:51,120 --> 00:11:54,000 that that this is important too. And Derek, you know, that was. 222 00:11:54,400 --> 00:11:56,720 When we talked before the show about the direction that we 223 00:11:56,720 --> 00:11:59,840 wanted this to go in, you know, you hit the nail on the head. 224 00:11:59,840 --> 00:12:03,440 We wanted to not necessarily go down that rabbit hole of oh, if 225 00:12:03,440 --> 00:12:07,680 I travel here, I should buy this or that, that kind of mindset of 226 00:12:07,680 --> 00:12:09,720 use here. There's a lot of information out 227 00:12:09,720 --> 00:12:11,600 there on the Internet that's going to give you that 228 00:12:11,600 --> 00:12:14,280 information. But more so, the thing that I 229 00:12:14,280 --> 00:12:17,520 think that that we encounter time and time again is people 230 00:12:17,520 --> 00:12:21,040 that just don't know how to use their points within their 231 00:12:21,040 --> 00:12:25,880 specific use here because. Like you said, if you're buying 232 00:12:25,880 --> 00:12:29,520 direct and and you know Panda, I, I want to get your thoughts 233 00:12:29,520 --> 00:12:32,080 on this in a minute. But you know Panda you're our 234 00:12:32,280 --> 00:12:35,120 kind of our newest Disney Vacation Club member of this 235 00:12:35,120 --> 00:12:37,600 group of people. When you bought Direct, I don't 236 00:12:37,800 --> 00:12:40,840 they didn't ask you what use year you want and when do you 237 00:12:40,840 --> 00:12:42,680 travel and all of that kind of stuff. 238 00:12:42,680 --> 00:12:46,000 If you buy Direct, if it is your first contract purchase, Panda, 239 00:12:46,080 --> 00:12:47,280 they just assigned you something. 240 00:12:47,760 --> 00:12:49,640 It was December was your use year. 241 00:12:49,640 --> 00:12:51,000 I didn't even know what that term meant. 242 00:12:51,120 --> 00:12:55,560 I to me, I thought, you know, 2022 is 2022. 243 00:12:56,040 --> 00:13:00,400 No, it's December I But I think the real confusion comes from if 244 00:13:00,400 --> 00:13:04,640 I have a December use year, why do I have to bank by July or 245 00:13:04,640 --> 00:13:06,960 lose the points? That was the worry for me. 246 00:13:07,200 --> 00:13:10,000 Like that I didn't quite get, but I've called Amy so many 247 00:13:10,000 --> 00:13:11,480 times I think I've figured it out. 248 00:13:11,920 --> 00:13:13,920 I think Amy is an expert on use year. 249 00:13:16,680 --> 00:13:19,520 I do better in a one-on-one situation, but here I get. 250 00:13:19,640 --> 00:13:23,360 So when Fall and I first got our our first DVC contract, we were 251 00:13:23,360 --> 00:13:26,560 those people that thought we had to wait. 252 00:13:26,960 --> 00:13:30,200 Until February, until we were allowed to book something like 253 00:13:30,200 --> 00:13:31,840 we we have to wait until we get our points. 254 00:13:31,840 --> 00:13:33,440 In February, we can't book anything. 255 00:13:33,440 --> 00:13:37,240 And so we we were those people. So we we we learned, you know, 256 00:13:37,240 --> 00:13:39,560 Oh my goodness, we we could have booked a long time ago. 257 00:13:39,560 --> 00:13:43,080 We just need to make sure that we're using the right points for 258 00:13:43,080 --> 00:13:44,600 the right use here. You know what I mean? 259 00:13:44,600 --> 00:13:46,920 Or we have the right amount of points that we need in the use 260 00:13:46,920 --> 00:13:50,040 here? But yeah, I I think it's it can 261 00:13:50,040 --> 00:13:52,040 be very confusing. I do a lot better with people on 262 00:13:52,040 --> 00:13:53,920 one-on-one. So I get a lot of people that 263 00:13:53,920 --> 00:13:56,960 will message me or go be like hey I've got I've got this many 264 00:13:56,960 --> 00:13:58,560 points I've got this is my use here. 265 00:13:58,560 --> 00:14:00,480 I want to book this state. What do I need to do? 266 00:14:00,480 --> 00:14:03,040 When do I need to borrow? And I'm good at looking at that 267 00:14:03,360 --> 00:14:06,680 and going okay you need to. You know you need to you need to 268 00:14:06,680 --> 00:14:08,840 borrow this many points from this use here and then you can 269 00:14:08,840 --> 00:14:11,720 take the rest of the points from your that that works. 270 00:14:11,720 --> 00:14:14,840 But explaining it to like the mass audience, I think it's 271 00:14:14,840 --> 00:14:16,760 confusing. And we remember we watched a 272 00:14:16,760 --> 00:14:20,600 couple of videos early on when we were new and we were like, 273 00:14:20,720 --> 00:14:23,520 yeah, still don't get it. I don't get it. 274 00:14:23,840 --> 00:14:26,400 It wasn't until we used. People have learned more about 275 00:14:26,400 --> 00:14:28,800 cereal on this episode. Than that about use here So it 276 00:14:28,880 --> 00:14:32,280 wasn't until we used our membership but that but you know 277 00:14:32,280 --> 00:14:34,680 it's people are different types of learners. 278 00:14:34,680 --> 00:14:37,120 Some people are more. More, you know, auditory. 279 00:14:37,120 --> 00:14:39,280 I'm not, I'm not an audiobook person and I can't. 280 00:14:39,280 --> 00:14:41,640 Paul Paul loves listening to podcasts, audiobooks. 281 00:14:41,800 --> 00:14:45,080 I have to see the words. I'm more visual and and very 282 00:14:45,080 --> 00:14:47,120 kinesthetic. I have to have that hands on 283 00:14:47,120 --> 00:14:51,840 experience and we didn't really fully grasp use here until we 284 00:14:51,840 --> 00:14:56,240 were in there using our points, suffering the consequences of 285 00:14:56,240 --> 00:14:57,840 not knowing how to use them properly. 286 00:14:58,240 --> 00:15:02,640 That's that's when we learned. Oh this is this is used here. 287 00:15:02,640 --> 00:15:05,840 This is how it works and this is when we need to bank by and 288 00:15:05,920 --> 00:15:09,680 these are the you know, this is we can book whenever but these 289 00:15:09,680 --> 00:15:11,080 are the points we have to use when we book. 290 00:15:11,080 --> 00:15:16,440 So you have to get in there and and use it and you know, ask the 291 00:15:16,440 --> 00:15:19,600 questions as you're going, but. And I think that's that. 292 00:15:20,240 --> 00:15:23,800 Points to how valuable the DVC fan Facebook community is. 293 00:15:23,800 --> 00:15:28,120 So if you're not over facebook.com/DVC fan, the DVC 294 00:15:28,120 --> 00:15:31,360 fan, Facebook group, all of, there's so many people in there 295 00:15:31,600 --> 00:15:36,440 that have become experts in this, including Amy Krieger 296 00:15:36,440 --> 00:15:38,520 herself, who is in there answering questions all the 297 00:15:38,520 --> 00:15:41,560 time. And so if you are confused about 298 00:15:41,560 --> 00:15:44,600 how it works, you have a great support group around you to 299 00:15:44,600 --> 00:15:49,200 answer all of those questions. So Derek, you hit one of the. 300 00:15:49,840 --> 00:15:52,760 Number one questions that we wanted to kind of address which 301 00:15:52,760 --> 00:15:57,640 is when do those points expire and it is dependent upon 302 00:15:57,640 --> 00:16:01,120 essentially that month that your use here is. 303 00:16:01,120 --> 00:16:04,960 So if it is February, you are going to be able to use your 304 00:16:04,960 --> 00:16:09,520 points up for a check in of a one night stay up until January 305 00:16:09,520 --> 00:16:15,360 31st of the next year and then the next day restarts your use 306 00:16:15,360 --> 00:16:18,920 here or as you put it, Derek Tinkerbell puts those points. 307 00:16:19,440 --> 00:16:21,400 In your account for the next year, so. 308 00:16:22,440 --> 00:16:26,200 I think when it comes to most, this alien flies flies by and 309 00:16:26,560 --> 00:16:28,160 deposits the points into your account. 310 00:16:30,080 --> 00:16:36,240 But I think it's it. I think that's AI think that's a 311 00:16:36,240 --> 00:16:40,200 good base point for people to understand how points work is 312 00:16:40,200 --> 00:16:43,640 that essentially it is they need to be used within that use here 313 00:16:43,640 --> 00:16:47,080 within that. Year of time now how you use 314 00:16:47,080 --> 00:16:49,080 them within that year is completely up to you. 315 00:16:49,480 --> 00:16:52,600 And when when Disney looks at the points that are available to 316 00:16:52,600 --> 00:16:57,160 you, keep in mind that they look at it as of the day of check in 317 00:16:57,160 --> 00:17:00,040 of that specific reservation that you are trying to book. 318 00:17:00,040 --> 00:17:05,680 So we're here recording this episode in October of 2023, 319 00:17:05,680 --> 00:17:08,880 which means that we are currently booking out at the 11 320 00:17:08,880 --> 00:17:13,480 month window all the way until September of 2024. 321 00:17:13,480 --> 00:17:15,960 Now that's not the use here. That I'm currently sitting in 322 00:17:15,960 --> 00:17:20,280 with my points. That is September 2024, which 323 00:17:20,280 --> 00:17:24,440 means it'll be Our primary use here is February it it is the 324 00:17:24,440 --> 00:17:29,120 next use year. So when I'm booking today for 325 00:17:29,120 --> 00:17:32,760 September 2024, I need to be thinking about what points are 326 00:17:32,760 --> 00:17:35,720 available to me on that specific day. 327 00:17:36,160 --> 00:17:39,680 So on September, let's say I was looking for a trip for September 328 00:17:39,680 --> 00:17:44,480 1st through the 10th of 2024. What points are accessible to me 329 00:17:44,640 --> 00:17:47,680 on that specific day? The points that I currently. 330 00:17:47,680 --> 00:17:49,240 Have here. Does this fall in? 331 00:17:49,480 --> 00:17:51,240 Those are the points I need to be using. 332 00:17:51,880 --> 00:17:54,680 And I think that's to, to your point, that's where a lot of 333 00:17:54,680 --> 00:17:58,960 people get stuck like we did early on is that they wait. 334 00:17:59,400 --> 00:18:02,840 They wait until their points are eligible, which means that if I 335 00:18:02,840 --> 00:18:05,840 were waiting currently, I would wait all the way until February 336 00:18:05,840 --> 00:18:11,720 1st of 2024 and then not only will I have really kind of 337 00:18:12,560 --> 00:18:15,200 potentially lost my opportunity, but I'm also within the zero to 338 00:18:15,200 --> 00:18:18,360 seven month booking window at that point for that specific 339 00:18:18,360 --> 00:18:19,080 vacation. OK. 340 00:18:20,080 --> 00:18:21,800 Let me hope you like Sarah Quinn Springs. 341 00:18:21,840 --> 00:18:25,920 Tell me if I'm I'm right about this. 342 00:18:25,920 --> 00:18:28,200 I have a December use here. 150 points. 343 00:18:28,680 --> 00:18:31,440 I used them all for this year. They're already done in exactly 344 00:18:31,440 --> 00:18:34,360 150 points, which is weird. I have nothing to bank, nothing. 345 00:18:34,840 --> 00:18:38,080 So now I don't have to wait till December 1st if I want to go 346 00:18:38,080 --> 00:18:42,040 away in March of next year. I am just going to borrow at 347 00:18:42,040 --> 00:18:45,320 this point my points that are coming December 1st. 348 00:18:45,320 --> 00:18:50,400 So you are December use here. You are currently in your 2022 349 00:18:50,400 --> 00:18:52,960 use here, right? Because December of 2023 hasn't 350 00:18:52,960 --> 00:18:55,360 started yet, correct? So my points are. 351 00:18:55,640 --> 00:18:56,680 Now done for. This year. 352 00:18:56,840 --> 00:18:59,880 So you've used all those points, those 2022 points, you have all 353 00:18:59,880 --> 00:19:03,360 your 2023 points. Well, I don't think I got them 354 00:19:03,360 --> 00:19:04,840 yet, but I I have. I didn't borrow. 355 00:19:05,160 --> 00:19:08,520 If you're coming, if they're coming December 1st. 356 00:19:08,680 --> 00:19:10,400 Right, you don't. Tinkerbell has not. 357 00:19:11,640 --> 00:19:13,920 OK. You don't have to wait until you 358 00:19:13,920 --> 00:19:14,840 don't. You don't have to wait until 359 00:19:14,840 --> 00:19:16,080 you've got them. They're there. 360 00:19:16,080 --> 00:19:20,200 They're always there. So March of 2023, OK. 361 00:19:20,680 --> 00:19:24,920 What use year does March of 2023 fall in for you? 362 00:19:25,040 --> 00:19:27,760 So think about this. Your use year always starts on 363 00:19:27,760 --> 00:19:31,200 December of that year. So 2023 use year starts December 364 00:19:31,200 --> 00:19:37,280 1st of 2023 and then it goes all the way until November 30th of 365 00:19:37,600 --> 00:19:40,920 the next year. So March is in your 2023 use 366 00:19:40,920 --> 00:19:42,200 year. So you have points right now in 367 00:19:42,200 --> 00:19:44,760 your 2023 use year, right? Yes. 368 00:19:44,760 --> 00:19:47,200 Yep, So you can book right now. What is Mark? 369 00:19:48,280 --> 00:19:50,560 So the mistake I made was thinking that I would have to 370 00:19:50,560 --> 00:19:54,200 borrow because December 1st they didn't give them to me yet, but 371 00:19:54,200 --> 00:19:55,560 I knew I could book it. But. 372 00:19:55,680 --> 00:19:59,440 Correct. I'm not borrowing because I'm in 373 00:19:59,440 --> 00:20:00,960 the. I'm going to be traveling in the 374 00:20:01,040 --> 00:20:01,840 usher. That I are. 375 00:20:02,240 --> 00:20:05,640 Yeah, so you got to basically like transport yourself in a 376 00:20:05,640 --> 00:20:09,440 time machine forward to that day and ask myself what, what's in 377 00:20:09,440 --> 00:20:12,400 my wallet today? What's What's in what's in my 378 00:20:12,400 --> 00:20:14,880 wallet today? So technically, as of that date, 379 00:20:15,200 --> 00:20:19,520 not only could you use all of those December 2023 points that 380 00:20:19,520 --> 00:20:22,800 you can't even touch currently, you could use them all. 381 00:20:23,200 --> 00:20:27,600 You could borrow from December 2024 and we're getting, we're 382 00:20:27,640 --> 00:20:28,720 getting a little ahead of ourselves. 383 00:20:28,760 --> 00:20:30,640 Makes a lot, no. But now it makes a lot more 384 00:20:30,640 --> 00:20:32,680 sense, I think, Yeah. It's all about when you're 385 00:20:32,680 --> 00:20:35,640 traveling, what points are available to me during that 386 00:20:35,640 --> 00:20:38,480 travel season? And yeah, and then you can. 387 00:20:39,360 --> 00:20:42,880 And like I said earlier, when it comes to, you know, if you wait, 388 00:20:42,920 --> 00:20:46,280 if you, if you have that mindset of I have to wait until I get my 389 00:20:46,280 --> 00:20:50,080 points, you get stuck and you lose one of the best benefits of 390 00:20:50,080 --> 00:20:53,000 ownership, which is your home resort booking window, Derek. 391 00:20:53,200 --> 00:20:55,200 You said it. You'll end up at Saratoga 392 00:20:55,200 --> 00:20:56,960 Springs. Yeah. 393 00:20:57,160 --> 00:20:57,800 Yeah. Which is fine. 394 00:20:57,800 --> 00:21:02,120 And I don't blame you, panda, because December's probably one 395 00:21:02,120 --> 00:21:05,320 of the things I hear the most is probably the most confusing you, 396 00:21:05,320 --> 00:21:08,840 Sears, just because you're in right now like 2023. 397 00:21:08,840 --> 00:21:11,240 But then the next month, it's all of a sudden 2024. 398 00:21:11,400 --> 00:21:13,600 So wait a second. But I just got my 2023. 399 00:21:13,760 --> 00:21:16,200 But then my 2024 points are coming up next December. 400 00:21:16,200 --> 00:21:20,160 So yeah, you're not just always look at no matter whatever that 401 00:21:20,160 --> 00:21:24,720 use here is, it's from the first of that month, month all the way 402 00:21:24,720 --> 00:21:28,080 up until you hit the end of the month prior to that one coming 403 00:21:28,080 --> 00:21:29,680 up. So it's November 30th and the 404 00:21:29,680 --> 00:21:34,320 travel like Amy said, just has to take place during that window 405 00:21:34,320 --> 00:21:36,680 of time. For example, if you have all of 406 00:21:36,680 --> 00:21:39,680 your points coming up this December, if you wanted to go 407 00:21:39,680 --> 00:21:42,960 away tomorrow and there was something available, you could 408 00:21:43,160 --> 00:21:46,000 you would then just going from your 23 points. 409 00:21:46,640 --> 00:21:50,120 But that would be borrowing then in that case, correct, because 410 00:21:50,120 --> 00:21:51,960 you're borrowing it into the previous? 411 00:21:51,960 --> 00:21:54,160 Into a different right. Into a different yes. 412 00:21:54,320 --> 00:21:56,840 OK, perfect. I got it. 413 00:21:57,240 --> 00:21:59,600 Jeff, when you bought into Disney Vacation Club, did you 414 00:21:59,600 --> 00:22:02,920 understand any of this or have a have a clue about you this? 415 00:22:02,920 --> 00:22:04,120 Year. And I'm already thinking about 416 00:22:04,120 --> 00:22:07,240 turning into a life of crime. My my brain is melting. 417 00:22:07,760 --> 00:22:15,600 So just go eat Fruit Loops. I say this. 418 00:22:15,800 --> 00:22:18,280 Like quip quip. Let me just say one thing and 419 00:22:18,280 --> 00:22:20,320 see if this is if pertains to you two. 420 00:22:20,600 --> 00:22:23,120 I will say that if you're going to do add-ons, you know if I'm 421 00:22:23,120 --> 00:22:26,440 going to buy now from worlds of DVCI would definitely look for 422 00:22:26,440 --> 00:22:28,720 the same use here. Just not to confuse the heck out 423 00:22:28,720 --> 00:22:33,720 of myself, you know? Yeah, if you if you and and 424 00:22:33,720 --> 00:22:36,800 we've we've mentioned that on shows before if you buy 425 00:22:37,600 --> 00:22:40,360 different contracts that are different use here so you've get 426 00:22:40,360 --> 00:22:42,480 you know. And you've got your December 427 00:22:42,480 --> 00:22:44,120 contract for your Riviera points. 428 00:22:44,120 --> 00:22:47,920 You go on to the, you know you go talk to Derek at the resale 429 00:22:47,920 --> 00:22:51,880 market and decide to buy Polly and you end up with a June use 430 00:22:51,880 --> 00:22:55,080 here. Now you've got, you've got two 431 00:22:55,080 --> 00:22:58,880 different sets of dates in play and it's not like they can come 432 00:22:58,880 --> 00:23:03,440 together it they unless we're in the seven month window which 433 00:23:03,440 --> 00:23:05,760 even in that situation you're going to have problems because 434 00:23:05,760 --> 00:23:07,440 you're going to have to transfer and you're going to have to do 435 00:23:07,440 --> 00:23:11,000 all this crazy stuff. So rather than confuse yourself. 436 00:23:11,560 --> 00:23:14,760 It is easier at that point in time if you can, to keep a 437 00:23:14,760 --> 00:23:16,840 single use your Derek. Would you agree with that? 438 00:23:17,680 --> 00:23:21,800 Oh my God 100%. No one probably loves, no one 439 00:23:21,800 --> 00:23:24,840 really calls us and says, you know what, I have two different 440 00:23:24,840 --> 00:23:31,200 use years and man, I love it. It's so much I love being able 441 00:23:31,200 --> 00:23:34,280 to call member services to transfer points from one account 442 00:23:34,280 --> 00:23:36,600 to the other account, so no one loves it. 443 00:23:36,680 --> 00:23:38,200 Is it an extra step? Yes. 444 00:23:38,200 --> 00:23:40,240 Is it possible? But again, this is where the 445 00:23:40,240 --> 00:23:43,520 conversations go, where people get in the weeds and they start 446 00:23:43,520 --> 00:23:45,360 to go like, Oh my God, So what if it happens? 447 00:23:45,360 --> 00:23:47,640 So if I buy now, but then if I get a different user, this is 448 00:23:47,640 --> 00:23:49,160 where people's heads start to explode. 449 00:23:49,160 --> 00:23:52,640 And I don't, I don't blame them. But I also want to say when 450 00:23:52,640 --> 00:23:55,680 you're a member, whether you buy director with us, you're still 451 00:23:55,680 --> 00:23:59,760 going to use member services. Member services are experts, so 452 00:23:59,760 --> 00:24:02,240 you are welcome at any time. You're still using the same 453 00:24:02,240 --> 00:24:06,320 Disney Vacation Club website. So call them, talk to them when 454 00:24:06,320 --> 00:24:08,760 you have questions. It's not like you have to do it 455 00:24:08,920 --> 00:24:11,160 on your own and all of a sudden you hit the wrong button and you 456 00:24:11,160 --> 00:24:12,400 borrowed when you didn't mean to borrow. 457 00:24:12,600 --> 00:24:16,240 You could just call DBC, have them walk you through it, say, 458 00:24:16,240 --> 00:24:18,040 listen, I'm trying to book a trip for this. 459 00:24:18,040 --> 00:24:20,360 What do you suggest? Those people are experts and 460 00:24:20,360 --> 00:24:22,760 they're more than happy to help you. 461 00:24:22,760 --> 00:24:25,560 They will always, you know, obviously you know, use your 462 00:24:25,560 --> 00:24:28,480 your oldest points first. So if you have some bank points, 463 00:24:28,480 --> 00:24:29,960 they're going to obviously use those. 464 00:24:29,960 --> 00:24:33,400 But again, member services is at your fingertips, so feel free to 465 00:24:33,400 --> 00:24:35,760 use them. You're not out there all alone, 466 00:24:36,160 --> 00:24:37,640 so don't worry, we're here to help. 467 00:24:37,920 --> 00:24:41,480 That's yeah, so true. We're here to help DBC fan. 468 00:24:41,680 --> 00:24:43,600 You know, we we already talked about the DBC fan Facebook 469 00:24:43,600 --> 00:24:46,040 community. You know, Amy and I are always. 470 00:24:46,480 --> 00:24:49,800 You know, always entertaining these questions because we know 471 00:24:49,800 --> 00:24:51,800 how hard it is and how confusing it is. 472 00:24:51,800 --> 00:24:54,440 We get the I get this, you mentioned you talk to people at 473 00:24:54,440 --> 00:24:57,160 Monaro all the time about this. I talk to people at BBC rental 474 00:24:57,160 --> 00:24:59,720 store all the time because you know, people are looking to rent 475 00:24:59,720 --> 00:25:03,280 out their points and again, they're just confused as to when 476 00:25:03,480 --> 00:25:05,840 do I access them. And these are people that you 477 00:25:05,840 --> 00:25:08,080 know it. It's sad because these are 478 00:25:08,080 --> 00:25:13,160 people that have owned contracts for 10/20/30 years. 479 00:25:13,480 --> 00:25:15,960 You know, these are people that have had these points for a good 480 00:25:15,960 --> 00:25:18,840 amount of time and that means that they've been confused in 481 00:25:18,840 --> 00:25:24,040 how to use them for so long. So we hope that, you know or or 482 00:25:24,040 --> 00:25:27,120 Paul, it just means their spouse was doing all the planning and 483 00:25:27,120 --> 00:25:29,240 they just simply showed up and went on vacation. 484 00:25:29,240 --> 00:25:32,120 That is a lot of people, when it's left up to them, they're 485 00:25:32,120 --> 00:25:33,960 like, what do I do with this? I don't know. 486 00:25:33,960 --> 00:25:35,560 I just used to showing up on vacation. 487 00:25:36,000 --> 00:25:37,880 How does this all work? We get that a lot. 488 00:25:38,200 --> 00:25:40,000 Yeah. Yeah, for sure. 489 00:25:40,000 --> 00:25:42,920 Jeff, what's been your use of your saga when it comes to your 490 00:25:43,600 --> 00:25:47,040 specific point situation? Other than being in an eternal 491 00:25:47,040 --> 00:25:50,080 state of borrowing, I don't know that I have a saga per se. 492 00:25:50,280 --> 00:25:54,080 I mean, and that's my biggest problem is, and I'm hoping that 493 00:25:54,080 --> 00:25:56,680 being down here helps me kind of get ahead of that curve, but it 494 00:25:57,120 --> 00:25:58,520 will. I have never had leftover. 495 00:25:59,400 --> 00:26:02,280 No, it's not going to. It's going to make it much, much 496 00:26:02,360 --> 00:26:04,560 worse, Jeff. No much worse when you live 497 00:26:04,560 --> 00:26:06,360 here. I know I want to say it helped 498 00:26:06,360 --> 00:26:08,480 because I was. I'm thinking if it helped us, 499 00:26:08,720 --> 00:26:11,320 but I don't think it's. I think it was the pandemic that 500 00:26:11,320 --> 00:26:14,520 helped us where we weren't allowed to borrow and that's 501 00:26:14,520 --> 00:26:17,680 what straightened us out. Yeah, good point. 502 00:26:18,800 --> 00:26:21,400 But mine's pretty easy. I have a March use here. 503 00:26:21,400 --> 00:26:25,800 All my contracts for the same ones I I didn't buy with any 504 00:26:25,800 --> 00:26:29,120 particular use here in mind I. I found the contract that I like 505 00:26:29,120 --> 00:26:31,000 and then just stuck with that use here. 506 00:26:31,000 --> 00:26:39,000 So I'm pretty boring I'm empty. You're thinking about a Hilton 507 00:26:39,000 --> 00:26:40,920 Head contract. Would you buy a different use 508 00:26:40,920 --> 00:26:44,160 here? I'm not sure I would care one 509 00:26:44,160 --> 00:26:47,160 way or the other if I were to get that Hilton Head contract. 510 00:26:47,880 --> 00:26:51,440 It's going to be solely to use at that resort, so I'm not going 511 00:26:51,440 --> 00:26:54,880 to be necessarily tied to. Oh man, I got to tie it to my 512 00:26:54,880 --> 00:26:56,400 March. If I see a contract that's 513 00:26:56,400 --> 00:26:58,040 attractive, I'm going to jump on it. 514 00:26:58,080 --> 00:27:01,080 But and that's when it obviously if the stars align then that 515 00:27:01,080 --> 00:27:03,240 would be great, but then I'm just going to end up borrowing 516 00:27:03,280 --> 00:27:07,680 those points and. Yeah, we, we did the same thing 517 00:27:07,680 --> 00:27:10,080 with our Grand Cow. It is our only one that sits in 518 00:27:10,080 --> 00:27:12,320 a different use here and that doesn't matter because that's 519 00:27:12,320 --> 00:27:15,120 all we use it for you. So you know, we don't have to 520 00:27:15,120 --> 00:27:17,800 worry about transferring or or any of that. 521 00:27:17,840 --> 00:27:19,480 Everything. Disney World is in one. 522 00:27:19,480 --> 00:27:23,640 You share everything Disneyland. Is it another? 523 00:27:23,640 --> 00:27:25,880 Yeah. Does that mean we're going to 524 00:27:25,880 --> 00:27:27,720 have more Disneyland? I don't know the way I said that 525 00:27:27,720 --> 00:27:28,400 it sounded. I know it. 526 00:27:28,440 --> 00:27:30,880 Sounded like there's more. Disneyland in the future, So we 527 00:27:30,880 --> 00:27:32,000 pause it. Is it? 528 00:27:32,000 --> 00:27:33,720 Is it another? Derek, I blocked your phone 529 00:27:33,720 --> 00:27:36,160 number in her phone so she can't call you anymore. 530 00:27:36,360 --> 00:27:41,800 So that's true. I still have Slack 1000 point. 531 00:27:41,800 --> 00:27:45,600 Block his number on my phone. Just. 532 00:27:45,680 --> 00:27:48,120 For for those listening and and viewers at home, Derek was 533 00:27:48,120 --> 00:27:51,400 having audio issues earlier and I was trying to help him, so I 534 00:27:51,400 --> 00:27:55,080 was calling him. And he was looking at his phone 535 00:27:55,080 --> 00:27:56,800 and just throwing it to the side. 536 00:27:56,880 --> 00:27:59,600 And I'm trying like he can't hear us and I'm trying to call 537 00:27:59,600 --> 00:28:01,360 him and he's ignoring my phone call. 538 00:28:01,360 --> 00:28:06,880 It was, it was gorgeous watching him ignore my phone call. 539 00:28:06,880 --> 00:28:09,880 But Jeff, you said I'll talk to you about a use here, right? 540 00:28:09,960 --> 00:28:12,640 Listen to me about you. I don't know how to use the 541 00:28:12,640 --> 00:28:14,160 phone, but I'll talk to you about a use here. 542 00:28:15,400 --> 00:28:18,120 Jeff, you mentioned borrowing a lot of times and I think that's 543 00:28:18,120 --> 00:28:20,440 the last place that we wanted to go with this conversation. 544 00:28:20,440 --> 00:28:22,200 We don't want to make this too confusing. 545 00:28:22,200 --> 00:28:25,880 As Derek said already, you know this can get very, very 546 00:28:25,880 --> 00:28:27,640 complicated. There's probably people out 547 00:28:27,640 --> 00:28:29,720 there saying like what's the best use here? 548 00:28:29,920 --> 00:28:31,560 There's no right answer to that question. 549 00:28:31,560 --> 00:28:34,120 You know, just ignore those questions when it comes to what 550 00:28:34,120 --> 00:28:37,080 we're trying to do tonight, which is really just explain to 551 00:28:37,080 --> 00:28:41,080 you how to use your points. So it's use here as it relates 552 00:28:41,080 --> 00:28:44,120 to how you use your points. And the other thing that really 553 00:28:44,120 --> 00:28:46,800 relates to this is banking and borrowing. 554 00:28:47,480 --> 00:28:51,400 And you and I have gone back and forth with this like 100 times. 555 00:28:51,400 --> 00:28:56,120 It's it it to like what you said earlier, how is the best way to 556 00:28:56,120 --> 00:29:00,720 explain banking and borrowing? And so if we get creative, we 557 00:29:00,720 --> 00:29:03,480 might put up some sort of graphic that we hope sort of 558 00:29:03,480 --> 00:29:06,040 explains this. I think graphics are a must. 559 00:29:06,240 --> 00:29:08,280 Graphics, Graphics are a must some. 560 00:29:08,400 --> 00:29:10,640 Sort of visual. We're going to hopefully come up 561 00:29:10,640 --> 00:29:13,000 with a little bit of a visual graphic to go along with. 562 00:29:13,080 --> 00:29:17,280 This, but we need to first of our first and foremost put 563 00:29:17,280 --> 00:29:20,720 ourselves in that same mindset of Tinker Bell gives you those 564 00:29:20,720 --> 00:29:23,280 points and you've got that year to use them. 565 00:29:23,960 --> 00:29:28,920 So for banking your points, if you are not going to use your 566 00:29:28,920 --> 00:29:32,640 Disney Vacation Club points within that calendar year that 567 00:29:32,640 --> 00:29:36,360 Tinker Bell has given them, you do have the option to bank them 568 00:29:36,360 --> 00:29:37,920 forward. Derek, I think you explained 569 00:29:37,920 --> 00:29:40,920 this a little bit earlier. You do have the ability to bank 570 00:29:40,920 --> 00:29:44,840 them forward into the next. Use year. 571 00:29:45,120 --> 00:29:47,360 Now what that means is that they're going to be sitting 572 00:29:47,360 --> 00:29:50,120 there waiting for you and whenever you get into the 573 00:29:50,120 --> 00:29:54,320 booking window to be able to use those points, you can then 574 00:29:54,320 --> 00:29:56,360 access them. So again you don't have to wait 575 00:29:56,360 --> 00:29:59,240 until you know our our use here is February. 576 00:29:59,240 --> 00:30:02,680 I don't have to wait until February 1st of when those 577 00:30:02,680 --> 00:30:04,480 points are available to use them. 578 00:30:04,480 --> 00:30:09,040 I just have to get within that that that that use your banking 579 00:30:09,040 --> 00:30:11,520 or? Booking window and once I'm 580 00:30:11,520 --> 00:30:14,760 there, I have access to not only those banked points that I've 581 00:30:14,760 --> 00:30:18,120 banked from the previous year, but I also have access to my 582 00:30:18,120 --> 00:30:23,600 current year's points as well. And the the process of banking 583 00:30:23,600 --> 00:30:28,640 points is pretty simple, You can actually do it online or by 584 00:30:28,640 --> 00:30:31,120 contacting Disney Vacation Club member services. 585 00:30:31,480 --> 00:30:35,480 The thing with banking to also understand is it it's a final 586 00:30:35,480 --> 00:30:38,280 transaction. So you want to probably wait 587 00:30:38,280 --> 00:30:41,440 until within about a month of that banking deadline, and we'll 588 00:30:41,440 --> 00:30:45,560 put up a graphic that sort of outlines for each use here what 589 00:30:45,560 --> 00:30:49,000 that banking deadline is. But it technically it is four 590 00:30:49,000 --> 00:30:50,880 months before the end of your use here. 591 00:30:50,880 --> 00:30:55,040 Those points have to be banked by given whatever your specific 592 00:30:55,040 --> 00:30:57,400 use here is. Yes, and you can bank your 593 00:30:57,400 --> 00:31:01,160 points really early if you want to. 594 00:31:01,200 --> 00:31:03,640 We try to wait till the last minute because we never know if 595 00:31:03,640 --> 00:31:06,480 we want to use them before that and. 596 00:31:06,560 --> 00:31:09,880 And you want to make sure that you also pay attention to your 597 00:31:09,880 --> 00:31:13,240 banking deadlines. Every use year is going to have 598 00:31:13,240 --> 00:31:16,600 a different banking deadline. It's basically four months 599 00:31:16,840 --> 00:31:19,800 before the use year. The next use year starts 600 00:31:19,800 --> 00:31:22,200 basically. So for February, it's September 601 00:31:22,200 --> 00:31:24,520 30th, for April it's November 30th. 602 00:31:25,080 --> 00:31:30,320 But we can put that that graphic up really quickly too, so you 603 00:31:30,320 --> 00:31:32,160 can see what those banking deadlines are. 604 00:31:32,360 --> 00:31:34,800 It's something you should have in your calendar depending on 605 00:31:34,800 --> 00:31:37,240 your use year. So that you know, I have to have 606 00:31:37,240 --> 00:31:38,720 my points banked by this certain time. 607 00:31:38,720 --> 00:31:41,440 Because if you have points you didn't use and you're not going 608 00:31:41,440 --> 00:31:45,520 to use them within that current use year and you let that 609 00:31:45,520 --> 00:31:47,560 banking deadline pass, then you're done. 610 00:31:47,560 --> 00:31:50,800 You can't bank them forward and you have to figure out a way to 611 00:31:50,800 --> 00:31:54,040 use them before they expire. So very important to keep track 612 00:31:54,280 --> 00:31:56,600 of your banking deadline. You can always bank them sooner. 613 00:31:56,600 --> 00:32:00,480 You can bank them early if you're going to be using them to 614 00:32:00,480 --> 00:32:04,000 book something further out in your next use year, but. 615 00:32:04,360 --> 00:32:06,840 Yeah, I always tell people, you know, put a put a calendar 616 00:32:06,840 --> 00:32:10,800 reminder about a month before that banking deadline on on your 617 00:32:10,800 --> 00:32:13,960 iPhone or whatever your device is that you that that you use 618 00:32:14,240 --> 00:32:18,240 and have that alert come up and you know, just double check your 619 00:32:18,240 --> 00:32:21,040 account, make sure that there's no lingering points out there. 620 00:32:21,040 --> 00:32:23,280 You know, maybe you you you thought you would used all of 621 00:32:23,280 --> 00:32:25,800 those points, but there might be a couple that can still be 622 00:32:25,800 --> 00:32:28,160 banked forward. You just don't want to get 623 00:32:28,160 --> 00:32:29,920 yourself in that situation, unfortunately. 624 00:32:29,920 --> 00:32:32,120 I talk to people that are renting points all the time 625 00:32:32,280 --> 00:32:34,960 where they've forgotten. They they get to that point 626 00:32:34,960 --> 00:32:37,520 where they get past their banking deadline and they've 627 00:32:37,520 --> 00:32:40,160 forgotten and they're not going on a Disney trip and now they're 628 00:32:40,160 --> 00:32:43,000 really in trouble because they they they're kind of at the tail 629 00:32:43,000 --> 00:32:44,840 end of their use here. They're within the seven month 630 00:32:44,840 --> 00:32:46,280 window. There's going to be limited 631 00:32:46,280 --> 00:32:48,440 availability, which means there's going to be limited 632 00:32:48,440 --> 00:32:51,200 rental opportunities. It just really kind of puts 633 00:32:51,200 --> 00:32:53,440 yourself up against a wall when it comes to. 634 00:32:53,800 --> 00:32:59,520 How How to use your points Questions about banking Or are 635 00:32:59,520 --> 00:33:02,480 you guys looking at cereal still? 636 00:33:03,120 --> 00:33:05,880 Yeah, well I will. I will personally tell you that 637 00:33:06,280 --> 00:33:10,520 borrowing is way more popular than actually banking. 638 00:33:12,880 --> 00:33:16,200 Borrowing is way more popular. Most people when it comes to 639 00:33:16,200 --> 00:33:20,920 banking, after they book a trip, it is usually when they bank, 640 00:33:21,000 --> 00:33:23,120 right? So if they have 150 points, they 641 00:33:23,120 --> 00:33:25,400 just booked the trip, it was 137 points. 642 00:33:25,600 --> 00:33:28,240 Disney will ask you what do you want to do with these remaining 643 00:33:28,240 --> 00:33:29,520 points? Do you want to go ahead and bank 644 00:33:29,520 --> 00:33:31,680 them into the following news here or you just want to hold on 645 00:33:31,680 --> 00:33:33,680 to them? So anytime you sign into your 646 00:33:33,680 --> 00:33:36,160 site, it'll give you lots of reminders. 647 00:33:36,160 --> 00:33:38,760 But like Paul said, just pay attention to it. 648 00:33:38,760 --> 00:33:41,440 Because you know, every point is valuable. 649 00:33:41,440 --> 00:33:43,120 Every point is very, very precious. 650 00:33:43,120 --> 00:33:46,640 I can't tell you how many times I go, God, if I only had like 651 00:33:46,640 --> 00:33:49,560 two more points, we could have been able to do this day or that 652 00:33:49,560 --> 00:33:51,200 day. So yeah, you'll have plenty of 653 00:33:51,200 --> 00:33:54,320 chances to be able to figure out do I want to bank it online? 654 00:33:54,320 --> 00:33:57,160 Or again, you can always call member services and they're 655 00:33:57,160 --> 00:33:59,280 happy to help you as well. Yeah. 656 00:33:59,360 --> 00:34:01,680 And Panda, I think you asked this question a little bit 657 00:34:01,680 --> 00:34:04,440 earlier, but I did want to kind of probably try to put an answer 658 00:34:04,440 --> 00:34:05,960 to it. So there's a lot of question as 659 00:34:05,960 --> 00:34:08,080 to why there's that banking deadline. 660 00:34:08,920 --> 00:34:13,120 And why they kind of set that in place for Disney, I think it it 661 00:34:13,120 --> 00:34:17,080 relates a lot to how they utilize these rooms and how they 662 00:34:17,080 --> 00:34:19,800 utilize the properties. If you do elect to bank your 663 00:34:19,800 --> 00:34:22,800 points forward. Because most likely they're then 664 00:34:22,800 --> 00:34:25,920 going to move inventory and points around so that they can 665 00:34:25,920 --> 00:34:30,880 maybe essentially book that room via a cash day because when it 666 00:34:30,880 --> 00:34:32,639 comes to. Points. 667 00:34:32,639 --> 00:34:35,000 Disney has their own points as well, and they have their own 668 00:34:35,000 --> 00:34:38,199 inventory when it comes to all of these Disney Vacation Club 669 00:34:38,199 --> 00:34:40,679 resorts. And so when people bank their 670 00:34:40,679 --> 00:34:44,480 points forward, all of these kind of levers kind of give them 671 00:34:44,480 --> 00:34:47,520 some insight. It's a different show actually. 672 00:34:47,760 --> 00:34:49,080 That's a really good point. It's Hark. 673 00:34:49,120 --> 00:34:50,639 It's harkening back to the levers, yeah. 674 00:34:51,320 --> 00:34:56,040 It always harkens back to the levers that to your point and I 675 00:34:56,040 --> 00:34:57,440 can't fight, is it the role of four? 676 00:34:58,160 --> 00:35:01,200 I yeah, someone has asked us to talk about the role of four. 677 00:35:01,200 --> 00:35:03,600 I don't think there's there's enough to talk a whole show on 678 00:35:03,600 --> 00:35:05,400 it. But I also think just sneaking 679 00:35:05,400 --> 00:35:07,320 this in here, it's not really related to. 680 00:35:07,560 --> 00:35:09,640 Well, it kind of is related to youth here, right? 681 00:35:10,360 --> 00:35:12,000 No, it's not. It's related to the booking 682 00:35:12,920 --> 00:35:15,000 anyway. What is the role of four that 683 00:35:15,000 --> 00:35:20,080 you have to do any kind of exchanges? 684 00:35:20,400 --> 00:35:24,400 You have to do any exchange into the Disney collection or into a 685 00:35:24,400 --> 00:35:27,520 cruise or anything directly through Disney. 686 00:35:28,080 --> 00:35:30,880 Within that period of time, however many months it is 687 00:35:30,880 --> 00:35:33,280 before, four months before the end of the calendar year, I 688 00:35:33,280 --> 00:35:34,400 thought it. Was four months before the end 689 00:35:34,400 --> 00:35:36,760 of your youth year. Yeah, before the SO. 690 00:35:36,760 --> 00:35:38,760 It is youth year, yeah, before months, before the end of your 691 00:35:38,760 --> 00:35:39,480 youth year. And that's. 692 00:35:39,480 --> 00:35:44,120 So Disney has those four months to use your points that you 693 00:35:44,120 --> 00:35:47,720 exchanged and gave them in book cash inventory and sell it. 694 00:35:47,800 --> 00:35:49,720 Yeah, because that's. What they when, when you do, 695 00:35:49,720 --> 00:35:52,160 when you use your points for like a cruise or something 696 00:35:52,160 --> 00:35:53,760 direct through Disney that's what they're doing with the 697 00:35:53,760 --> 00:35:55,240 points is they're going to take the points and. 698 00:35:57,520 --> 00:35:59,680 So, so we think that's why you have the bank by four months. 699 00:36:00,080 --> 00:36:00,800 So, right. Yeah. 700 00:36:01,440 --> 00:36:04,480 And remember when I talked about getting in the weeds? 701 00:36:04,520 --> 00:36:07,400 It's this kind of stuff that people truly get in the weeds. 702 00:36:07,400 --> 00:36:10,320 There's nothing wrong with bringing it up, but truly this 703 00:36:10,320 --> 00:36:11,920 is where people go. Wait a second. 704 00:36:11,920 --> 00:36:15,640 So if I the last four rule of four, I will tell you that when 705 00:36:15,640 --> 00:36:19,160 I joined Disney Vacation Club back in like the late 90s, now 706 00:36:19,160 --> 00:36:21,280 it's easy because you get your points every year. 707 00:36:21,520 --> 00:36:24,240 You got eight months to figure out, am I going to use them or 708 00:36:24,240 --> 00:36:26,920 am I going to bank them? But when DBC started, and I want 709 00:36:26,920 --> 00:36:30,360 to know all those people in the comments, remember it was 710 00:36:30,440 --> 00:36:33,840 insanely convoluted. When it came to banking your 711 00:36:33,840 --> 00:36:37,600 points you had from your use here, it used to be like six 712 00:36:37,600 --> 00:36:41,040 months you could bank 100%, but then at seven months you could 713 00:36:41,040 --> 00:36:46,200 only bank 50% and at three months you could bank like 25%. 714 00:36:46,360 --> 00:36:49,120 They had charts and graphs and like scratch and sniffs. 715 00:36:49,120 --> 00:36:51,360 I'm trying to figure out what am I going to do. 716 00:36:52,200 --> 00:36:55,400 It was ridiculous. So at least now it's eight 717 00:36:55,400 --> 00:36:58,400 months, so you get your point A. 100%, Yeah. 718 00:36:59,280 --> 00:37:01,440 So it's much easier than it used to be. 719 00:37:02,040 --> 00:37:05,200 Yes, I remember those charts we we weren't around then, but I 720 00:37:05,200 --> 00:37:09,240 remember seeing them before. Jeff, it's easier now. 721 00:37:10,760 --> 00:37:13,400 I guess so. Yeah, Jeff. 722 00:37:13,600 --> 00:37:16,840 Jeff is like that brain blow up emoji right now. 723 00:37:18,240 --> 00:37:20,160 It's it's been a lot. No, I'm just kidding. 724 00:37:20,160 --> 00:37:22,760 It's fine. I I think it's been great and I 725 00:37:22,760 --> 00:37:25,600 think. For whatever reason, December 726 00:37:25,600 --> 00:37:28,760 youth here I think, confuses people more than all the rest of 727 00:37:28,760 --> 00:37:31,440 them because it's so close to the next calendar year that. 728 00:37:31,640 --> 00:37:34,160 One is kind of in the actual year. 729 00:37:34,520 --> 00:37:37,360 And the thing that's the thing that I will tell anyone that's 730 00:37:37,360 --> 00:37:41,560 listening to this show is try to, if you can do anything by 731 00:37:41,560 --> 00:37:44,000 the end of this episode. If you can answer the question, 732 00:37:44,000 --> 00:37:47,680 when do my points expire then, then, then you're playing the 733 00:37:47,680 --> 00:37:49,680 game correctly. And if the answer to your 734 00:37:49,680 --> 00:37:52,280 question is December 31st, you've lost. 735 00:37:52,800 --> 00:37:56,880 No one's points expire on December 31st and I can't tell 736 00:37:56,880 --> 00:37:58,920 you how many times. People have unfortunately told 737 00:37:58,920 --> 00:38:01,000 me that their points expire on December 31st. 738 00:38:01,000 --> 00:38:04,080 And I always just follow that up with the question, what month 739 00:38:04,280 --> 00:38:07,000 does Tinkerbell put the points into your account? 740 00:38:07,000 --> 00:38:10,720 What month do you get your new 160 points or whatever that 741 00:38:10,720 --> 00:38:13,520 allotment is? Because there is no use here. 742 00:38:13,520 --> 00:38:15,400 There is there is no January use here. 743 00:38:15,400 --> 00:38:17,800 There would have to be a January use here. 744 00:38:18,480 --> 00:38:22,040 For points to expire then, but we're not going to go any 745 00:38:22,040 --> 00:38:24,240 further into those weeds. But the last thing that we're 746 00:38:24,240 --> 00:38:28,240 going to talk about which Jeff is in an eternal state of is 747 00:38:28,240 --> 00:38:31,520 borrowing. And Derek you you mentioned it's 748 00:38:31,960 --> 00:38:35,160 not only do more people borrow, but it's a lot easier I think to 749 00:38:35,160 --> 00:38:39,960 explain borrowing at least now it is post pandemic. 750 00:38:40,440 --> 00:38:43,960 During the pandemic, that was kind of fun, but essentially. 751 00:38:44,680 --> 00:38:47,960 Let's let's go back and use, you know, Panda's example again, 752 00:38:47,960 --> 00:38:49,120 Panda. You're sitting here, you're 753 00:38:49,120 --> 00:38:51,600 thinking about booking a March vacation. 754 00:38:52,360 --> 00:38:56,520 Not only are you going to have your 2023 points, your December 755 00:38:56,520 --> 00:38:59,520 2023 points available to you, but if you needed some extra 756 00:38:59,520 --> 00:39:03,720 points to to to fulfill that trip, you could actually borrow 757 00:39:03,720 --> 00:39:06,800 your next U Sears points. And the cool thing about 758 00:39:06,800 --> 00:39:09,520 borrowing is. Technically, I have 300 points 759 00:39:09,520 --> 00:39:11,200 available to me at any given time. 760 00:39:12,000 --> 00:39:14,400 If I haven't used them yet for the next year. 761 00:39:14,400 --> 00:39:15,880 Got it. If you, if you set it up right, 762 00:39:15,880 --> 00:39:20,520 you have basically three years worth of points at any given 763 00:39:20,520 --> 00:39:24,520 time to utilize and I think that really plays into how people 764 00:39:24,520 --> 00:39:26,400 buy. Derek, you could probably speak 765 00:39:26,400 --> 00:39:29,960 to that is, is some people are planning to maybe go to Disney 766 00:39:29,960 --> 00:39:33,000 once every other year. At least that's their thought 767 00:39:33,000 --> 00:39:35,200 when they buy into Disney Vacation Club and then they get 768 00:39:35,200 --> 00:39:38,160 hooked and they adonitis becomes a thing and they buy more and 769 00:39:38,160 --> 00:39:40,000 more. But some people do initially 770 00:39:40,000 --> 00:39:41,120 purchase with that thought, right? 771 00:39:42,000 --> 00:39:44,160 We have a lot of people that will literally look to say, 772 00:39:44,160 --> 00:39:47,640 listen, we come, maybe I'm overseas or maybe I come, you 773 00:39:47,640 --> 00:39:50,240 know, once every two years. So those families will look to 774 00:39:50,240 --> 00:39:52,400 say perfect. So I'm going to buy 200 points 775 00:39:52,400 --> 00:39:55,680 because that means every two years I have 400 points to be 776 00:39:55,680 --> 00:39:57,960 able to use. So I can snag that two-bedroom 777 00:39:57,960 --> 00:40:02,200 for, you know, 89101112 nights to be able to take that trip. 778 00:40:02,440 --> 00:40:05,800 There's no perfect number of points. 779 00:40:06,360 --> 00:40:08,920 I tell people this every single day for 20 some years. 780 00:40:08,920 --> 00:40:12,000 There's nobody ever says I bought 160 points. 781 00:40:12,000 --> 00:40:15,640 And you know, it's crazy. Every year I use exactly 160 782 00:40:15,640 --> 00:40:17,480 vacation club points every single year. 783 00:40:17,840 --> 00:40:21,000 Nobody does, honestly, because some years you borrow, so you're 784 00:40:21,000 --> 00:40:23,200 going to bring family. So now we need 200 points, so 785 00:40:23,200 --> 00:40:25,000 we're going to borrow 40 from the next year. 786 00:40:25,200 --> 00:40:28,840 Maybe one year you used 140, so you're going to bank your 20 787 00:40:29,040 --> 00:40:32,040 into that other year. So there's never a perfect 788 00:40:32,040 --> 00:40:34,880 number of vacation. But that's what makes this club 789 00:40:35,160 --> 00:40:38,680 so insanely flexible. It's all about getting started 790 00:40:38,680 --> 00:40:40,240 with something. And you're going to figure it 791 00:40:40,240 --> 00:40:44,040 out that if you find yourself like Jeff in a constant 792 00:40:44,040 --> 00:40:47,360 perpetual state of, you know, borrowing Disney Vacation Club 793 00:40:47,360 --> 00:40:49,960 points, that's when you look to say, hey, you know what, I think 794 00:40:49,960 --> 00:40:52,880 I want to find another contract of, you know, 50 points or I 795 00:40:52,880 --> 00:40:56,280 want to find another contract of 100 points because there's not 796 00:40:56,280 --> 00:40:58,600 that perfect number. It's all about just get started 797 00:40:58,600 --> 00:41:00,960 with something, use it for a couple years. 798 00:41:01,160 --> 00:41:04,080 We've had a lot of folks that will buy it, not even use it. 799 00:41:04,080 --> 00:41:06,360 And they've added on already because they've tried to 800 00:41:06,360 --> 00:41:08,320 calculate their trips that they're going to take for the 801 00:41:08,320 --> 00:41:10,120 next coming years. And they're like, Oh my God, 802 00:41:10,120 --> 00:41:12,840 that 100 point package we did, that ain't going to fly. 803 00:41:12,920 --> 00:41:14,080 Why? So, Derek, we need to get 804 00:41:14,080 --> 00:41:16,400 another, you know, 50 or we need to get another 100. 805 00:41:16,920 --> 00:41:19,040 So yeah, just getting started is the most important thing. 806 00:41:19,040 --> 00:41:22,360 And again, there's no fees to banking and borrowing. 807 00:41:22,480 --> 00:41:25,960 We want to stress that I talk to folks all the time with other 808 00:41:25,960 --> 00:41:28,360 timeshares out there. And Disney, of course, says, you 809 00:41:28,360 --> 00:41:30,920 know, vacation ownership, you know, wink, wink. 810 00:41:31,200 --> 00:41:34,440 So it's vacation ownership. There's no hidden fees. 811 00:41:34,440 --> 00:41:37,040 There's no guest fee. If you want to let a friend or a 812 00:41:37,040 --> 00:41:39,440 family member use it, There's no fee in that. 813 00:41:39,440 --> 00:41:40,880 There's no fees to bank your points. 814 00:41:40,880 --> 00:41:44,480 There's no fees to borrow points, so it's super easy. 815 00:41:44,680 --> 00:41:47,400 But yeah, just getting started. It's just the most, the most 816 00:41:47,400 --> 00:41:49,480 important thing. When it comes to borrowing, the 817 00:41:49,480 --> 00:41:51,920 last thing I'll say is be confident. 818 00:41:51,920 --> 00:41:55,080 Before you borrow, be confident that you are going to take that 819 00:41:55,080 --> 00:41:57,960 trip because just like banking was we mentioned earlier, 820 00:41:58,160 --> 00:42:01,040 borrowing is a final transaction as well. 821 00:42:01,280 --> 00:42:04,840 So once you borrow those points, they are stuck in the use here 822 00:42:04,840 --> 00:42:06,200 that you have borrowed them into. 823 00:42:06,600 --> 00:42:09,680 So they are going to expire at the end of that year with any 824 00:42:09,680 --> 00:42:12,040 points that are within that year, so. 825 00:42:12,280 --> 00:42:14,360 They cannot be banked. Correct. 826 00:42:14,360 --> 00:42:17,160 They cannot be banked. You've you've you've basically 827 00:42:17,160 --> 00:42:20,000 stuck them when when you move them, they're stuck. 828 00:42:20,720 --> 00:42:23,680 It's a one way trip. It's a great, great way to put 829 00:42:23,680 --> 00:42:25,880 it, yeah. It's whether banking or 830 00:42:25,880 --> 00:42:28,000 borrowing one way trip. The thing that I think makes 831 00:42:28,000 --> 00:42:30,800 borrowing also easier is you can actually do it while you're 832 00:42:30,800 --> 00:42:32,680 booking a trip. So when you are booking 833 00:42:32,680 --> 00:42:34,680 something you don't have enough, it'll be like, well you need to 834 00:42:34,680 --> 00:42:38,360 borrow and you can do it right there in that booking. 835 00:42:38,840 --> 00:42:40,080 That makes it easy. Yep. 836 00:42:40,200 --> 00:42:42,600 Right there. Right there as part of that 837 00:42:42,600 --> 00:42:45,400 process. So it's way too easy. 838 00:42:45,600 --> 00:42:47,640 And then all of a sudden you sign back in again and you go, 839 00:42:47,640 --> 00:42:50,560 hey, let's plan a trip and you go, what's this zero mean? 840 00:42:50,560 --> 00:42:52,960 It means I have no points like at all. 841 00:42:53,240 --> 00:43:01,240 Like, oh God, always. Panda Jeff any any other 842 00:43:01,240 --> 00:43:04,480 question like I know Panda like you're again, you know you're 843 00:43:04,480 --> 00:43:07,120 our new member. Have have we opened a whole new 844 00:43:07,120 --> 00:43:10,000 world to your point usage? No, I definitely think this 845 00:43:10,000 --> 00:43:11,960 cleared up a lot for me. Believe it or not. 846 00:43:11,960 --> 00:43:15,000 I kind of feel like I got it. I know I'll be surprised and 847 00:43:15,000 --> 00:43:17,560 I'll be calling Amy, but no. Right now I'm good. 848 00:43:18,000 --> 00:43:20,680 And let me just specify that having access to Amy is you 849 00:43:20,680 --> 00:43:22,560 don't get that with your normal DVC. 850 00:43:23,400 --> 00:43:25,440 Thank you. Thank you for clarifying. 851 00:43:25,680 --> 00:43:28,880 That's an extra. Extra perk not a Amy is not a 852 00:43:28,880 --> 00:43:29,560 direct. Perk. 853 00:43:29,760 --> 00:43:33,680 No. Yeah, you're stuck with me or 854 00:43:33,680 --> 00:43:36,600 Jeff. No, but I think I I hope that 855 00:43:36,600 --> 00:43:38,440 you know we have been able to clear up some of those 856 00:43:38,440 --> 00:43:41,120 misconceptions that you've had either heard or some of the 857 00:43:41,120 --> 00:43:44,480 places where as Derek has said, you've gone far into the weeds 858 00:43:44,480 --> 00:43:47,440 when it comes to. How points work, you know, 859 00:43:47,920 --> 00:43:52,120 banking, borrowing, use here. All of those terms, most 860 00:43:52,120 --> 00:43:56,040 importantly just relate to how you use this membership that 861 00:43:56,040 --> 00:44:00,280 you've bought into. And I think this concept is 862 00:44:00,280 --> 00:44:03,120 where a lot of people's frustrations when it comes to 863 00:44:03,120 --> 00:44:06,080 the program get. It's the fact that you you do 864 00:44:06,080 --> 00:44:09,080 need to take the time, Spend a little bit of time, listen to 865 00:44:09,080 --> 00:44:10,840 this show, listen to other podcasts. 866 00:44:11,560 --> 00:44:16,280 Read information about how to use this significant investment 867 00:44:16,280 --> 00:44:19,640 that you are purchasing. Because if you do, if you do 868 00:44:19,640 --> 00:44:23,160 that research, you're going to love the product even more, 869 00:44:23,160 --> 00:44:26,280 you're going to want to add on more and it's going to just be a 870 00:44:26,280 --> 00:44:29,120 lot more enjoyable. Otherwise you're going to kind 871 00:44:29,120 --> 00:44:31,640 of set yourself up for failure, for lack of a better term. 872 00:44:31,640 --> 00:44:35,920 So and ask questions, be curious, ask questions. 873 00:44:36,240 --> 00:44:38,000 I think is that a, that's a Ted lasso thing? 874 00:44:38,000 --> 00:44:42,280 I'm pretty sure but. But it I think it, I think it is 875 00:44:42,440 --> 00:44:44,960 a good, good way to kind of sum it up is, you know, ask 876 00:44:44,960 --> 00:44:45,920 questions. And believe. 877 00:44:46,160 --> 00:44:50,760 And believe. Yeah, right. 878 00:44:50,960 --> 00:44:56,960 Well, anything else? No, no, no, no. 879 00:44:58,000 --> 00:45:00,360 No more cereal? No more levers. 880 00:45:00,360 --> 00:45:04,120 Time for some cereal. Thank you all for listening to 881 00:45:04,120 --> 00:45:08,240 this episode of of the DVC Show. You know, I hope we've answered 882 00:45:08,240 --> 00:45:09,960 your questions. When it comes to you, Sierra, I 883 00:45:09,960 --> 00:45:13,440 hope that this series of back to basics are good. 884 00:45:13,440 --> 00:45:16,720 If you have any thoughts of any other back to basic topics that 885 00:45:16,720 --> 00:45:19,800 you'd like to hear, please go ahead and put those in the 886 00:45:19,800 --> 00:45:22,480 comments. Also, please hit that thumbs up 887 00:45:22,480 --> 00:45:25,160 button. If you are listening to us or if 888 00:45:25,160 --> 00:45:28,320 you are watching us on YouTube, hit that subscribe button so 889 00:45:28,320 --> 00:45:32,200 that you get notifications every time we post a new video or. 890 00:45:32,360 --> 00:45:36,360 That we upload a new podcast and thank you all for supporting us 891 00:45:36,400 --> 00:45:38,400 and we'll see you next week.