I too am a newbie owner at Grandview and have 98000 points a year. I got my points in January of this year and was able to trade in February for a week in January 2013 at The Bay Club at Waikoloa Beach Resort on the Big Island of Hawaii a one bedroom for 46000 RCI Points. This is a Hilton property and very highly rated. Hope this will give you an idea of what you can get with your points.
Keep reading Tug and learning. There is lot to learn.
Keep reading Tug and learning. There is lot to learn.