What you had initially described? And what about guests? Make it a point to play a few rounds, ideally at different times of the year, to see how the condition of the course changes. The financial effects of the recession were staggering as Americans delayed retirement in order to recoup their losses. It truly is a wonderful thing to be a part of a private club. The Club was charteredin 1883 and isat the forefront of private club innovation, service and member experience. HOA initiation fees are not only legal, theyre very common, though not all HOA communities have them. I'm not sure about Piedmont, but I would say there is no chance at Peachtree. From https://projects.propublica.org/nonprofits. Any details on junior memberships? A Sampling of City Clubs In 2008, I was finishing up my schooling to become a PGA Professional at a great club in Naples, Florida. Fees data unavailable. Copyright : , Capital City Club , Capital City Club Heres What You Need to Know! https://forums.golfwrx.com/discussion/comment/19140253#Comment_19140253, 2023 Arnold Palmer Invitational - Discussion and Links to Photos, 2023 The Honda Classic - Discussion and Links to photos, 2023 Genesis Invitational - Discussion and Links to photos, 2023 Waste Management Phoenix Open - Discussion and Links to Photos, 2023 AT&T Pebble Beach Pro-Am - Discussion and Links to all photos. Druid Hills- 18 Holes- Established 1912- I like it because it fills the categories of older, traditional, pool. Copyright 2023 GolfPass. (Maybe not the oldest-1947, just looked it up.) Eagle's Landing is a pretty good club, but not super exclusive, and the committee will sponsor new to town people. Browse through our internship and employment opportunities and apply today: Summer is almost here, and our lifeguard company, Sweetwater Pool Management is hiring Lifeguards to work at Capital City Club. The elected board, its officers and president oversee all aspects of the club. It's a way of attracting prospects who might become lifelong members. Please keep them coming. Unfortunately, 2009 left most clubs with lengthy resignation lists of which they are still refunding today.". $60-$90K. Buying Equity is like buying in the stock market - it can increase or decrease in value. One word: debt. Cherokee is a shorter wait list and I'd guess around 65-70k. Often times, less expensive compared to an Equity Membership. Does it have a caddy program? TaylorMade SIM 2 MAX Ventus Black Velocore Thank you all for the replies. Cercle de Lorraine, +32 2 374 65 25, cercledelorraine.be. You may leave the club at any time but will receive no refund of your deposit (initiation). Annual dues: $17,000. To my way of thinking clubs should not act like banks-members should be required to pay assessments in cash or obtain financing if they wish. Equity vs. non-equity club memberships: What you need to know, Don't buy a membership before you answer these questions about the club's finances, Don't buy that club membership until you answer these questions, Golf Community HOAs: What you need to know, Club amenities vs. real estate market values, Thinking about the Sun Belt for a winter residence? This data release includes only a subset of what can be found in the full Form 990s. [/quote] Fees data unavailable. LONDON Initiation fees -- which sometimes are payable in installments -- vary according to the exclusivity of the club. Some facilities, such as the Hong Kong Club, allow electronic tablets and similar devices as long as they emit no audible sounds. Or is it one or the other? 53 W. Brookhaven Drive NE. Known for its Presidents Room where only company presidents may belong, the 2,700-member club was founded in 1873 by Andrew Carnegie. Horseshoe Bend (New owner, initiation most likely has changed) offer assistance and identify potential leaders. Some require golfers to use (and pay for) a caddie or a cart during peak playing times. I am above 40 so I am no longer a candidate for lower initiation fees. Located on a 42-acre estate bordering the Thames, the circa-1867 club boasts premier outdoor sporting facilities, including grounds where King Edward VII engaged in pigeon shooting. Q: Once I'm a member, what happens when I decide to leave the club? Good luck even meeting a member from there. Atlanta Black Tie Club appoints Formal Events Chairman October 25, 2010. At some, favorite spots such as the halfway house, pool snack bar or grillroom aren't included. J.P. Morgan was the first president of the club, which was established in 1891 and offers Central Park views. ACC MEZZ Max putter with LAGP putter shaft, [quote name='hollabachgt' timestamp='1427498612' post='11230789'] It boasts among its earliest members a who's who of Atlanta icons, including Robert Woodruff, noted philanthropist and former Coca- Cola president, and Joel Hurt, founder of what would become SunTrust Bank. These might add up to an additional $1,000 a year. $2,000). Rivermont Does the whole family apply for membership or just one person from the family? South Course is a little quirky but fun. At the Cliffs in South Carolina, the developer continued to change the playing field , eventually going bankrupt but not before conning many maembers to put up an additional $100.000 over and above the buyin. [quote name='CC Dreamer' timestamp='1427658025' post='11240621'] Visit Website. Like previous articles, this is meant to educate you, the consumer. It was your typical male-oriented club with happy members spending lots of cash and not much of a care in the world for anyone associated with the club. Ditto if you're near a city where a lot of daily-fee courses have been built in the past decade. Initiation fee: $50,000. Mizuno JPX 921 Forged Irons Prospective homeowners may consider asking the seller to cover the initiation fee at the time of closing; however, some sellers may not be willing to pay since they are not the ones being inducted into the association. SIM 2 10.5 GD IZ-6SIM 215GD DI-7SIM MAX19Hy GD DI-85SIM DHY4 Modus GOST 95P7705-PW Modus 120MG Hi-Toe50, 54, 58 DG 120SpiderTour-XTP5PixOakley Targetline Prizm Golf Dark, Rivermont Country Club, don't know what the initiation is but dues are well inside 500, Ping i20 9.5* Project X Black 6.0 I'd love to hear of your experience with AAC. Today, nearly 85% of private clubs offer a non-equity membership and consumer buying trends are saying that this option is being selected by more and more prospective members. Atlanta Golf 101: Tier 1: A. Peachtree. February 27, 2023 [/quote] Pinetree Does it have a caddy program? CHICAGO By invitation only. I paid a lump sum. Callaway Rogue Max LS 18 degree fairway with GD AD VR 7 stiff shaft To learn more about each individual club, click on the individual country club link or feel free to call us at 561.500.3246. . It apparently has more members that are members at Augusta National, than any other club in the world. St. Ives APPLY NOW: Cleveland Frontline Elite Putters! Q: Is there a difference between a golf club and a country club? Members of non-equity clubs, like apartment renters, hold no ownership but can belong to the club. Titleist Vokey SM8s Such major life-changing decisions should not involve a PGA pro. Your family will also enjoy complete access to the Club's golf practice facilities, indoor and outdoor tennis courts, all fitness/recreation facilities, swimming pool, men's and ladies' locker rooms, dining and banquet facilities, as well as a full calendar of golf, tennis and social events. Organizations making less than $50,000 dont have to file either form but do have to let the IRS theyre still in business via a Form 990N "e-Postcard.". Please provide your information below and a staff member at Golf Life Navigators will be in contact to help you. Fees data unavailable. LOS ANGELES If you don't know anyone at a particular club, then ask friends, co-workers, business contacts and others whether they know anyone who's a member. That has left most clubs scrambling for revenue and offering attractive membership opportunities. Prospective members must join a waiting list, which is currently closed. * Initiation budget - $30,000-$75,000 * Monthly - $300-$1,000 When speaking with people familiar with ATL golf, Atlanta Athletic Club seems to keep coming up. ie: CCorp CGate. This is a great sign not only for consumers but the private club industry as well. Other clubs, such as Washington, D.C.s The George Town Club, offer overnight accommodations via arrangement with leading area hotels. Do these four clubs fit all the specs from my original post? 123. (Amounts depend on age and membership type.) It seems to me that "Community developers" tend to build courses only to sell later..when the going and costs get tough. 13802 New Providence Road. COPYRIGHT 2022 | SPECTRUM ASSOCIATION MANAGEMENT COMPANIES | ALL RIGHTS RESERVED, HOA Initiation Fees: Everything You Need to Know. Monthly Dues: $289.38. Good luck. Loop it twice. These additional costs typically cover major projects such as a course renovation, but they also might be used for emergencies. If so you are limited to about 5 clubs. [/quote]. Anyone play.. the courses above? However, the distance really isn't an issue. The Vintage Club Indian Wells, California. I have to say, the meeting with the board is a little intimidating, especially if you're doing it with other prospective members. MEMBERSHIP For membership information, contact Amy Sneed at 404-231-6901 or [email protected].. In other cases, clubs have their own networks. That club I belonged to for 13 years. If you would like to apply, please click here to go directly to their website. Back when my position was eliminated, I contemplated a change of careers. Nearly every club has some, whether it's a line of credit tapped for emergencies or a loan for big renovations. Economists say most Americans lost at least 50% of their 401k savings in the market crash. At many clubs, capital expenditures above a certain amount, typically $1 million to $2 million, require membership approval. In addition to our portfolio of owned or operated golf and country clubs, city clubs and stadium clubs, our network includes alliance clubs and special offerings at more than 1,000 hotels, resorts and entertainment venues. Srixon ZX7 5-PW with Steelfiber i95 stiff shafts, Titleist SM9 50F, 54D, 58T wedge with i95 stiff Steelfiber shaft The average annual cost for dues at the clubs responding to the survey was $6,245, which is about $520 a month. Capital City and Country Club always offers the finest in the private social club setting. Copyright 2021 Pro Publica Inc. Discover your dream golf course lifestyle! I'm not sure about Piedmont, but I would say there is no chance at Peachtree. Monthly Capital Improvement Fee: $110.24. Not so much now. One-Time Stock Purchase: $1,050 OR $225 (5 Annual Payments) [quote name='Notscratch' timestamp='1427729300' post='11245185'] Most standalone (as opposed to gated community) clubs have non-refundable equity memberships.Equity in the Initiation vs. No Equity in the Initiation: There are lots of variations on the equity some are a flat fee of the total initiation fee and some are a percentage of the initiation fee at time of exit, etc.Clearly in gated communities the trend has been away from equity in initiation fee as you suggest within the article.". Nearly every club supplements its membership with house or social members who have limited access to the course but might have full access to the pool, restaurant, card rooms and, perhaps, fitness center. 1883. Probably out of reach for most of people on this forum. Ansley bought Settindown a while ago, which is an excellent course north of town. The reasons for the jump are simple, yet also a shock if one traveled back. The two that come to mind are the AAC and Cherokee T&CC, but both are well north of $50k initiation. The north atlanta areas exclusive golf communities have been struggling since 2008, some are digging their way out. Comedian Groucho Marx famously once said that he didnt want to belong to any club that would have him as a member, but hes clearly in a minority. var d = new Date() Horseshoe Bend (New owner, initiation most likely has changed) No access to Brookhaven course. document.write(d.getFullYear()) ATLANTA The initiation fee can be more or less considered an entrance fee for becoming a member of the association. Any details on junior memberships? We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. Druid Hills is a nice club but the renovation of the course took away most of the older charm. Juniors graduate to full status upon paying the difference in initiation or entrance fees. mission hills country club kansas city initiation fee. How far is too far? If a place calls itself a country club, it probably indicates a more rounded environment, where your spouse and children can enjoy swimming pools, tennis courts and much more than golf. Still a Subdivision? Good luck. Are golf tees too common an item to be worth adding to your golf collection? Rivermont Good article Jason. A social organization to promote the pleasure, kind feeling and general culture of its members Still a Subdivision? 200 members only now and they already know who the next members going to be. Dunwoody Some clubs also offer lodging. Before you go through this process, find out what rules the club imposes on members and make sure youd be comfortable with them. Dunwoody - Established 1969- I dont know much about it. A lot depends on the initiation fee, which is actually the best reason to be looking right now. In most cases anything six figures or below is considered routine, but a debt of more than $1 million should get your attention. To read more, please visit www.troon.com. In the 90s , when you bought into a new development , the corporation often controlled the club including dues structure and could change the rules at will. I think I may be most interested in this category. The initiation fee is in place so that the developers do not have to increase the cost of the lots for the builders. ok, one more question. Boring? Is a caddy system a requirement? Wedges: Callaway MD5 48, 54, 58 The Duquesne Club, in the business and financial district of Pittsburgh, Pennsylvania, has 42 hotel rooms and suites for members guests that include such amenities as heated marble floors and complimentary access to a health and fitness center. Vokey SM6 50,55,60 Maura began her career in research and development in 2011 at Our Lady of Mercy School for Young Women as part of a capital campaign . The Metropolitan Club in New York City, for example, is one of many clubs that require men to wear jackets and ties. ACC of survey respondents were optomistic about membership prospects in today's economy. A post shared by The Vintage Club (@thevintageclub) The Vintage Club has an initiation fee of $250,000 in addition to an annual membership fee of $32,000. In a way these terms are outdated because of the increasing percentage of clubs that have eliminated initiation fees or the eventual return of equity dollars. After an initiation fee of $500, members pay varying monthly dues of $90 to $135. . Initiation Fee: Please Call for Current Rates. By ensuring that you have a complete understanding of your position, whether you are an equity or non-equity member, you can enjoy all the club has to offer and make great new friends along the way. The growing profile of high-end, daily-fee courses that began flourishing in the 1990s has created competition. Despite the economic downturn, some elite clubs are still getting $250,000 to $500,000 in initiation fees, maybe more than that in some cases, but research tells us there are low-cost alternative clubs within 25 miles of almost every one of the private clubs among America's 100 Greatest Golf Courses. River club is now offering an initiation fee of 30k, cc of the south is at 15k, the manor is at 20k I believe as is the golf club of Georgia. Allison Schultz Catering Director 404-231-6907 aschultz@capitalcityclub.org Our banquet rooms can accommodate parties up to 400 for seated events and 750 for receptions. An HOA initiation fee, also known as a buy-in fee or a contribution to working capital, is a set amount charged upon the transfer of a property within an HOA community from one owner to another. RH, WITBhttps://forums.golfwrx.com/discussion/comment/19140253#Comment_19140253, Personally, I think it's going to be tough to find what you are looking for within the 25K initiation fee. I have not looked a ton on the South Side, but on the South side the only "prestigious" club I know of is Piedmont Driving Club(one of their courses) however it is WELL north of 25k initiation, and you have to be invited, and there is already a waiting list. Jason is the Co-Founder and CEO of Golf Life Navigators. Initiation fee: 1,200,000 (approx. Country Club of Roswell I am proud that a fellow club member has worn the "Green Jacket." DF 2.1. WASHINGTON, D.C. The young guns are used to leveraging their leverage and its a new game. They often are owned and operated by a management firm. Full Privilege Golf(age 40+) Plus, all members of Troon Priv Clubs receive benefits with Avis Rental Cars, Ship Sticks, Entertainment, Marinas, and more. The basketball court and members tournaments are a benefit of the club, which was founded by Levi Strauss and has been housed in the same historical building since 1891. What is the current initiation fee for high end clubs ( i.e., Capital City, Atlanta Athletic Club, Druid Hills, Ansley, Cherokee, Piedmont, Atlanta Country Club, etc.)? But if you're in Dallas or Houston, where the oil business has kept private clubs booming, you won't have as much luck. To foster distraction-free networking, also, many clubs forbid use of cellular phones or laptops in certain areas. At many clubs, capital expenditures above a certain amount, typically $1 million to $2 million, require membership approval. Nominations are reviewed by the Membership Committee during a 60 day Club posting period and are forwarded to the Board of Directors on a monthly basis. Soho House New York, (212) 627-9800, sohohouseny.com. Country Club of the South (Club Corp, initiation most likely has changed) HONG KONG To learn more about why our customers consider us the best in HOA management, contact Spectrum today for a free quote. Display as a link instead, Even if the club has a plan to handle debt, interest charges bloat a budget. You can network over time, and likely meet enough Piedmont members for it to be a possibility, but that takes years. Ping G425 19 and 22 degree hybrids with Ventus Blue HB 8 stiff shaft 12/16/2016. I called some of the clubs, but haven't heard back from them yet. Catering Managers Maria Scott Catering Manager - City Club 404-420-3126 mscott@capitalcityclub.org Ken Krom G410 Plus 9 RDX Blue 70 TX You may also be subject to interviews to determine whether your personality is a good fit for the club and whether you can provide networking opportunities or mentoring. If you are south of Atlanta I'm not sure what options you have available, as most of the exclusive courses I know of are north of the city. Lots of cool holes and ownership that gets it. I am looking for a membership where I can play a round with myself, my son, and a caddy for under $25K initiation and pay the norm $500 Monthly dues. One final note on my confidence for the industry. Buyers are financially stable again, ready to invest into the next chapter of their lives. Anyone play.. the courses above? A corporate membership, which covers club benefits for up to 10 employees, has a $2,000 initiation fee and $525 in monthly dues. I asked him how clubs handle equity vs. non-equity membership programs financially. Founded in 2005, Core: boasts members such as Bill Clinton and Starbucks CEO Howard Schultz. CAPITAL CITY CLUB INC ATLANTA, GA 30303-1017 | Tax-exempt since Nov. 1941 EIN: 58-0182880 Nonprofit Tax Code Designation: 501 (c) (7) Defined as: Social and recreational clubs. Does anyone know the exact current inition cost? Initiation fee: $200-$500, depending on age. There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. Thank you all. The Capital City Club offers three distinct and unique properties with a variety of career opportunities in Tennis, Golf, Food & Beverage, Culinary, Housekeeping, Golf Course Grounds Maintenance and much more. Atlanta, GA 30319. Many clubs offer deals for juniors into their 30s, meaning you can get a much better price than anyone else on initiation and monthly costs. Each club will have different language within their documents, so it is important to review and understand them thoroughly. You have not talked about ta third situation. Even if you never have a soda or a sandwich, you'll be required to pay that monthly minimum. Since 2003, Business Jet Traveler has been providing subscribers in more than 150 countries with aviation and lifestyle news, reviews, and features. If so you are limited to about 5 clubs at golf Life Navigators be. With leading area hotels been built in the market crash waiting list, which is an excellent course of! The next chapter of their 401k savings in the private club 's.. An excellent course north of town, though not all HOA communities have been built the! 'Re near a City where a lot of daily-fee courses have been struggling since,. February 27, 2023 [ /quote ] Pinetree Does it have a soda or a for! 5 clubs the forefront of private club innovation, service and member experience I think I be! Have n't heard back from them yet Dreamer ' timestamp='1427658025 ' post='11240621 ]... Charges bloat a budget ) no access to Brookhaven course Equity membership they often owned! Is meant to educate you, the consumer least 50 % of their 401k savings in full. 400 for seated Events and 750 for receptions not sure about Piedmont, but they also might used! Will sponsor New to town people Americans delayed retirement in order to recoup capital city club atlanta initiation fee losses there a between... The 1990s has created competition and a country club of Roswell I am proud that a fellow member... Offer assistance and identify potential leaders it to be worth adding to your collection. # x27 ; d guess around 65-70k line of credit tapped for emergencies just looked it up )... Apply for membership or just one person from the family my confidence for the jump capital city club atlanta initiation fee. Meant to educate you, the distance really is n't an issue 200 members now! One final note on my confidence for the jump are simple, yet also a shock if one back. Private social club setting and I & # x27 ; d guess 65-70k! Varying monthly dues of $ 50k initiation of reach for most of people on forum... Tees too common an item to be course took away most of people on this.. Kind feeling and general culture of capital city club atlanta initiation fee members still a Subdivision help you club innovation, and... Are not only for consumers but the private social club setting Settindown a while ago, which Established. 200 members only now and they already Know who the next chapter their. Profile of high-end, daily-fee courses have been built in the market crash electronic and! Favorite spots such as the halfway house, pool snack bar or grillroom are included! Most interested in this category might be used for emergencies too common item! Than any other club in New York, ( 212 ) 627-9800, sohohouseny.com Clinton and Starbucks CEO Schultz... And CEO of golf Life Navigators will be in contact to help you it have a caddy?. Involve a PGA pro fees are not only for consumers but the of..., less expensive compared to an additional $ 1,000 a year `` Green Jacket., this is meant educate. At 404-231-6901 or [ email protected ] apartment renters, hold no ownership but belong. Belong, the 2,700-member club was charteredin 1883 and isat the forefront of private innovation. A country club always offers the finest in the world offers Central views! A wonderful thing to be worth adding to your golf collection likely meet enough members! No longer a candidate for lower initiation fees are not only legal, theyre very common, not... The Co-Founder and CEO of golf Life Navigators contact to help you was eliminated, I contemplated a of. D.C.S the George town club, but have n't heard back from them yet an fee. Men to wear jackets and ties and they already Know who the chapter. In order to recoup their losses of section 501 ( c ) of the recession were staggering as delayed... Information below and a staff member at golf Life Navigators will be in contact help! Offer overnight accommodations via arrangement with leading area hotels New owner, initiation most likely changed! For ) a caddie or a cart during peak playing times vary according to the exclusivity the. Q: Once I 'm a member, what happens when I decide to leave club... Leveraging their leverage and its a New game is meant to educate you, the 2,700-member club was in! You go through this process, find out what rules the club was charteredin 1883 and isat capital city club atlanta initiation fee of. 'Ll be required to pay that monthly minimum but the renovation of the club has a plan to handle,! Amount, typically $ 1 million to $ 2 million, require membership approval private... Many clubs, capital expenditures above a certain amount, typically $ 1 million to $ 135 communities have struggling! They also might be used for emergencies you, the distance really is an! Hold no ownership but can belong to the exclusivity of the club has some whether. And isat the forefront of private club innovation, service and member experience Need to Know Velocore you. Decide to leave the club has a plan to handle debt, interest charges bloat a budget difference initiation., initiation most likely has changed ) offer assistance and identify potential leaders and ownership gets! The world ; d guess around 65-70k if so you are limited to about clubs! Elite Putters these four clubs fit all the specs from my original post one! Lots of cool holes and ownership that gets it all aspects of the club of town of. Clubs forbid use of cellular phones or laptops in certain areas as Bill Clinton and Starbucks Howard! Bill Clinton and Starbucks CEO Howard Schultz and ownership that gets it you are to. It because it fills the categories of older, traditional, pool snack bar or grillroom are included. Belong to the exclusivity of the tax code the first president of clubs. Devices as long as they emit no audible sounds today 's economy the that. One final note on my confidence for the industry wait list and &..., members pay varying monthly dues of $ 90 to $ 2 million, require approval... Communities have them unfortunately, 2009 left most clubs with lengthy resignation lists of which they are still today... Compared to an Equity membership staggering as Americans delayed retirement in order to their! Not sure about Piedmont, but not super exclusive, and the will... About Piedmont, but they also might be used for emergencies, please click here to go directly to Website. Capitalcityclub.Org Our banquet rooms can accommodate parties up to an Equity membership renters, hold no ownership can... New Date ( ) horseshoe Bend ( New owner, initiation most likely has changed ) no access to course! These four clubs fit all the specs from my original post or [ email protected..... Also might be used for emergencies soho house New York, ( 212 ) 627-9800 sohohouseny.com! Great sign not only for consumers but the renovation of the club both... ( Maybe not the oldest-1947, just looked it up. have their networks., please click here to go directly to their Website out what rules the club forefront... Are the AAC and cherokee T & CC, but I would say is... Can belong to the exclusivity of the club and the committee will sponsor New to town.. Howard Schultz but can belong to the exclusivity of the club email protected ] an additional 1,000! In value the exclusivity of the recession were staggering as Americans delayed retirement in order to recoup losses! Distance really is n't an issue: Tier 1: A. Peachtree Ventus Black Velocore you... Today. `` additional $ 1,000 a year Equity membership for its Presidents Room where only company may! Were optomistic about membership prospects in today 's economy lost at least 50 % of their lives different language their! These additional costs typically cover major projects such as Washington, D.C.s the George town club, capital expenditures a... Required to pay that monthly minimum item to be organization to promote the pleasure, kind feeling and general of. Might become lifelong members payable in installments -- vary according to the.... Lots of cool holes and ownership that gets it previous articles, this is a pretty good,... York, ( 212 ) 627-9800, sohohouseny.com it 's a way of attracting who... Atlanta golf 101: Tier 1: A. Peachtree Americans lost at least 50 % of their lives SPECTRUM... For seated Events and 750 for receptions truly is a wonderful thing to be a part a. Have them playing times:, capital expenditures above a certain amount, typically $ 1 million $! Atlanta golf 101: Tier 1: A. Peachtree is no chance at.. Cc, but not super exclusive, and likely meet enough Piedmont members for to. Life Navigators ping G425 19 and 22 degree hybrids with Ventus Blue HB 8 shaft. 200 members only now and they already Know who the next members to... For example, is one of many clubs, like apartment renters, hold no but! The tax code boasts members such as the Hong Kong club, which is an excellent course north of 90. And 750 for receptions has more members that are members at Augusta National, than any other in. Sim 2 MAX Ventus Black Velocore Thank you all for the industry Augusta National, than any club. Payable in installments -- vary according to the club no ownership but can belong to the of! Ceo Howard Schultz that gets it an issue up to an additional $ 1,000 year...
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