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For your example, 2008 Jan starting points expired at end of 2008. If it is Oct use year. It starts at Oct 2008 and end at Sept 2009.
You can start using them 13 month before the starting day. So in your case, you can use Jan 2008 points from Dec 2006 to make Jan 2008 Home resort ARP reservation. Or do whatever you like (deposit to RCI, put into credit pool, rent/transfer out to other owner ...).
Jya-Ning
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