Thanks to you all for your input!!
You summed it up well I think Carol! SO the 2019 52 points I have CAN be transferred now, but the person I transfer them to could not use hem for a vacation this year, 2018, they would have to wait and use them next year, 2019!?!?
And DenLO thanks for that info! I have not borrowed them yet, and so if I understand correctly now that if I did borrow them then I couldn't transfer them to someone else they would have to be used for a reservation made by me!?!? WHEW!!