We have 3 separate smaller resale contracts that we use for our DVC stays. We occasionally transfer points to make up the balance for a stay, and occasionally we just book 2 nights from one contract, 3 nights from another contract etc. It all depends on the situation, how soon the points are expiring, many other factors. Are they really going to ban me from transferring points into and out of my contracts other than 1x per year? It's obvious the points are all ours...they are in my DH and my name. We are using them for ressies that are connected to one another. I just hate to get pigeon-holed and hope not to end up in a situation when we end up losing points because we couldn't transfer them and maybe there weren't enough in one account (i.e. 25 points or something) in one account when we are trying to book a 2BR and 25 points won't get us even 1 night's stay....thoughts from the boards???