I'm just trying to understand how transferring points works before I dive into it - I'm short about 20 points for our August vacation so was going to look for some points to be transferred in from somewhere - Is there only 1 transfer in or out that can be done per year? Approximatly how long does it take for the points to be transferred into my account? Do the points have to have the same use year or can they be any as long as they will be good until the end of my vacation in august? I presume approx $10 per point is about the going rate? Thanks!