As I am new to all this and with the situation I am going through having to cancel my holiday again in September due to davids death, I am wondering the best way to use /sell the points. When we took out DVC last November we were given the points for 2011 of 180 which I banked in January.Obviously from June which is our use year we have another 180 so now have 360. I know in order not to loose the 2012 points I would need to bank them again in January or before? to use next year with the 2013 points. My question is how long do I have to use last years banked points? Can I sell them and which is the best and easiest way to do this? I dont know if it is too late to sell them now or when they would expire. Any help would be appreciated.