Not to threadjack, but to add to what Rick said:
I've been given 17 (mostly ORA) SPS frags in exchange for two weeks' tanksitting (which meant stopping ON the way home every third day and feeding).
I've been sold an $870 skimmer (PLUS pump) for $185 (pump included) and given "pay me whenever" terms on top of the price... both of the above from Rob.
I've been given a canopy that I refinished and modified (turned out great) for free from Charlie (dawgdude). He twisted my arm by giving me a frag of ATL red milli when I picked up said FREE canopy.
Rit tossed me freebies both times I've bought corals from him (pre-sponsor).
I've been loaned equipment whenever something of mine went down.
Rob took me on an all-day tour of sponsors when I first joined, just to get me acquainted. One of these trips included "just dropping by" ATHENS to let me pick up something from an ARC member... another ended up at William1's house which led to me becoming tattooed... but that's another story!
Heck, that deserves its own... an ARC member gave me a smoking deal on a tatoo... and one for my wife, too. How many reef clubs can do that?
Ansley let me work several days for free on his in-wall build.

Just kidding, he actually gave me a couple of MaxiJets and some BRS 2 part when I was in need... his statement was, "I don't sell stuff like that... I give it away".
This club goes through its high and low times as far as the membership's morale is concerned, but all things considered it kicks butt.