Short Points

I currently own a 5800 point contract at Kohala Suites EOY odd. I am looking to add a 3400 point contract Elara EOY odd. (We are just waiting for recording on the Kohala contract)

If I were to theoretically book a 3 bedroom Lagoon tower it would be 9600 points. We would obviously be 400 points short.

What can you do about being 400 points short? I wouldn't want to borrow. Can you just buy 400 one time use points from Hilton?

simon.fisher.2 said:

I currently own a 5800 point contract at Kohala Suites EOY odd. I am looking to add a 3400 point contract Elara EOY odd. (We are just waiting for recording on the Kohala contract)

If I were to theoretically book a 3 bedroom Lagoon tower it would be 9600 points. We would obviously be 400 points short.

What can you do about being 400 points short? I wouldn't want to borrow. Can you just buy 400 one time use points from Hilton?

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Normally I'd say it depends on when you are booking.

Let's pretend you don't close on your new one until the end of this year and you get NO 2016 points.

2017 you would have 5800+3400 (assuming that's your odd year) = 9200 points.

I think you could forward (I forget the term, it's not rescue, it's something else) those points into 2018. Then in 2018 you could "borrow" 2019 points to combine those with the 2018 points to get your 9600 points to book for a 2018 stay.

Or so I think it works with regular every year points, so I could be wrong with an EOY contract.

Hopefully someone can correct me if I am wrong.

What is your aversion to borrowing? Do the math on borrowing 400 a year, 400, 800, 1200, 1600 ... How many years before you go broke on the following year? Live in Hiltons pocket, use your points before paying the maint fees - I'm already booking 2017 with 2018 points. No borrow fees, they encourage it and punish you with fees for saving unused points.

Look at getting an even EOY to balance out your portfolio instead of 2 odds.

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Borrowing is free, saving (rescue Or whatever they call it now) costs money. It is always better to be in a state of borrow.

If you have not purchased The second unit yet, consider getting a unit with more points so that you do not have to save and borrow for 2 years to get one vacation week. It is better to get the higher season and smaller unit because you pay the same maintenance amount for the same size unit.

It'd be nice if HGVC allowed members to trade points among themselves.
It's not to be. You're better off banking and borrowing to get what you need.
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