I recently purchased a 100 resale dvc contract. I did less points figuring a yearly trip might be too much for us. This contract came with 0 points for 2015 and the use year is September. If I wanted to go in October of 2016 could I book the 11 months ahead at my home resort? I would need 2016 and 2017's points to do so. I was wondering because if I was to book 11 months ahead of my trip I would still have 0 points in my account and I would have to wait to receive and borrow my 2016 and 2017 points that will come one month before my scheduled trip. thank you for the information!