4 Contracts, 4 Resorts, Same Use Year. Two larger and two smaller sized contracts. We have never transferred points, but we typically do not use our points at the resorts, for long stays anyway. We do more cruises, Concierge Collection, etc. Typically stay at the resorts for a day or two here and there. One best practice I use is to try to keep the points in our largest contract, (BLT) unused until last. That way, if we do decide to take a trip to WDW, some or all of those points are available. We also try not to borrow if at all possible, or if we do borrow, I always try to keep from borrowing on one of the larger contracts, again, so that those points will remain available for use or banking if at all possible. At this point, I also do not rent out the points. We always use them. We have been members since 1999 and we have never not used, and lost, points.