R.S. Texas CEQ’s Nonpoint Source Program plans and implements activities that prevent or abate urban and other nonagricultural nonpoint source pollution in Texas waters. You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances, By submitting, you agree to the Finder Privacy and Cookies Policy and finder.com Terms of Use, 32 East 31st Street, 4th Floor, Get Quotes and Book Instantly. Learn how we maintain accuracy on our site. Some states offer tax credits or deductions for repairing or buying a new septic tank. Once it’s full, that waste needs to be removed from the tank and disposed of properly. These can be a helpful option if you’re ineligible for government loans or grants. HUD provides funds to states through community development block grants. Grants can get as high as $7,500. Get personalized rates in minutes and then choose an offer from a selection of top online lenders. Government-funded loans and grants are generally the least expensive way to pay for a septic tank. The Indian Housing Block Grant Program is a formula grant that funds various activities, include housing development, assistance to housing developed under the Indian Housing Program, housing services to eligible families and individuals, crime prevention and safety, and model approaches to solving affordable housing problems. You can often find these through nonprofit lenders like Craft3 in the Pacific Northwest, which offers APRs close to 2.5% depending on how much you borrow and your location. EDA administers various funding programs to promote collaborative regional innovation, public/private partnerships, national strategic priorities, global competitiveness, and environmentally sustainable development. We are Delta, The Educated Plumber™, serving all your plumbing needs in the greater Atlanta area since 1974. All septic tanks approved for use with on site sewage management systems are reviewed and approved by the Georgia Department of Human Resources. Installing a new septic tank typically costs between $3,100 and $9,444 for a standard anaerobic system, according to customers on HomeAdvisor. Georgia Certified Septic Tank Installer Companies (by County of Business Location*) General Plumbing Fix, Sewer & Septic (678) 698-6785 Georgia Waterworks Inc DBA H&G Plumbing (770) 914-3877 Local Septic, Inc. (770) 469-7100 Morrow Excavation and Septic, Inc. (770) 961-0425 Myers Septic Optional, only if you want us to follow up with you. The CWSRF funds water quality protection projects for wastewater treatment, control of nonpoint sources of pollution, decentralized wastewater treatment, and watershed and estuary management through low interest loans to a variety of borrowers. We charge $175 for up to 1000 gallons and $275 for up to 1500 gallons. It’s less of a risk than a home equity loan, since you don’t need collateral. Visit the website of the Georgia Department of Community Health or the state's Environmental Health Office. Because there are so many variables, from the way the land is, to soil absorption, and how you use water, your expenses could be higher or lower than what’s outlined here. Our regular maintenance septic pumping for $150.00 is for 1,000 gallons and 1 Foot of sludge/solids and covers digging up to 18 inches down, 50 feet of hoses to the tank. Bowen's Septic & Environmental Services has the best warranty in the industry and is Georgia state-certified, licensed and insured. (770) 474-5555 Plumbers Atlanta - Delta Plumbing, The Educated Plumber™ finder.com is a financial comparison and information service, not a bank or What’s a community development financial institution? Tribes must identify their wastewater needs to the IHS Sanitation Deficiency System to receive funding. In Georgia, the property owner is responsible for the smooth operation of the septic system and any maintenance and repairs. Also known as a second mortgage, a home equity loan involves borrowing against the amount you own in your home. We charge $175 for up to 1000 gallons and $275 for up to 1500 gallons. In the state of Georgia, it is recommended for residents to hire a company for pumping their septic tank every three to five years. We may also receive payment if you click on certain links posted on our site. This program is for health and safey upgrades to housing. Here are seven ways to keep it in top shape: You can find lots of financing options for installing or repairing a septic tank. The actual location of the tank must be at least 50 feet from any water sources, like springs, wells, or sink holes. Some states with notable programs include: The USDA also offers general-use home repair loans and grants to low-income households. Septic Regulations in Georgia . Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Quickly compare multiple online lenders with competitive rates depending on your credit. For more information, contact your state's nonpoint source coordinator. Contact Us to ask a question, provide feedback, or report a problem. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. The septic expert will follow these regulations to locate and install the tank: The tank must be able to hold the amount of waste collected in 24 hours and be constructed to retain the volume of waste generated during this time period. Of course, homeowners need to be prepared to maintain these crucial facilities and repair them as soon as they need it. Same-as-cash financing means you have often three to six months to pay your bill without paying interest. While we receive compensation when you click links to partners, they do not influence our content. Government-funded loans and grants are generally the least expensive way to pay for a septic tank. We recommend that the septic tank be pumped out at the time of the inspection. Some lenders offer loans specifically for replacing or repairing a septic tank. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Welcome to the Bynum & Sons Plumbing, Inc. website. Home equity lines of credit (HELOCs) and loans are two of the most popular ways to fund home improvements, including repairing or replacing a septic tank. Bynum & Sons Plumbing, Inc. has been completing thorough inspections of septic systems for clients in and around Atlanta since 1997. We offer same day service and 24 hour emergency service response. PENNVEST, the Pennsylvania Housing Finance Agency, and the Pennsylvania Department of Environmental Protection offers low-interest loans to homeowners to repair or replace their individual on-lot sewage disposal system. The program websitehas details, links to loc… If your tank was installed deeper than 18 inches we need to charge an additional fee for the extra work that is involved in unearthing the tank. Major components like the sewer system and its septic tank are among them. How to separate your finances during divorce, How to adjust your tax withholdings for a larger paycheck. Personal loans typically range from $1,000 to $50,000 with APRs from 4% to 36% and terms from three to five years. This price includes 18” of digging and 60’ of hose. Reimburses residents of the New York City Watershed in Delaware, Greene, Schoharie, Sullivan, or Ulster Counties for eligible costs to repair or replace failed septic systems. In order to obtain and/or renew my certification as a Septic Tank Contractor, I hereby swear, under oath, that I am: (check one of the following) _____A Citizen of the United States; _____A legal permanent resident of the United States; _____A qualified alien or non … Fill out the septic tank contractor company application form and mail it to the address indicated, together with a registration fee ($300 as of January 2011, or $150 depending on whether the year ends in an even or odd number). Installing or repairing a septic tank is one of the easiest home improvements to fund, thanks to several government options. The number of bedrooms determines the size of the septic tank serving a single family residence. 1000 gallon septic tank pumped for $150 *Click for More Details Charges for additional services may be necessary. You won’t have to pay it back, though you might want to hire a tax expert to make sure you declare it correctly. This service looks beyond your credit score to get you a competitive-rate personal loan. Bynum & Sons Plumbing, Inc. provides full and extensive septic tank services. information service that aims to provide you with information to help you make better decisions. The newest stimulus legislation provides for restaurant grants, debt relief for farmers, PPP loan updates and more. Under section 319 of the Clean Water Act, EPA provides grants to states to control nonpoint sources of pollution from a variety of sources such as agricultural runoff, mining activities, and malfunctioning onsite septic systems. Get the job done right, and often, to prevent costly repairs, replacement, and harmful environmental damages. Consider starting with the following options when looking for septic tank financing. Being a homeowner brings unexpected responsibilities that many people are not prepared to finance. Septic tanks installed after February 20, 2000 are required to have two compartments and an effluent filter. A peer-to-peer lender offering fair rates based on your credit score. You can find lots of financing options for installing or repairing a septic tank. Choosing a Septic System Service For You in State of Georgia Financing Available When it comes to your septic system, there are so many factors that need to be addressed for it to function properly and for it to last a very long time. You can get started on your application by contacting your local USDA office. But if your septic tank has started to contaminate the area around it, you might have to move it to another location, which can set you back as much as $20,000. We Have 5091 Homeowner Reviews of Top Atlanta Septic Tank and Well Services. If you can’t pay it off during that time, you might have to pay interest that’s higher than the rates you’d get with a loan — similar to a credit card with a 0% promotional rate. United States Environmental Protection Agency, EPA Clean Water State Revolving Fund (CWSRF), U.S. Department of Agriculture, Rural Development, U.S. Department of Housing and Urban Development (HUD), U.S. Economic Development Administration (EDA), Catskill Watershed Corporation Septic System Rehabilitation and Replacement Program, Kentucky PRIDE Homeowner Septic System Grant Program, Massachusetts Community Septic Management Program, New York State Environmental Facilities Corporation State Septic System Replacement Fund Program, Pennsylvania Infrastructure Investment Authority (PENNVEST): Community Septic Management Program, Texas Commission on Environmental Quality (CEQ) Nonpoint Source Program, EPA Clean Water Indian Set-Aside (CWISA) Grant Program, EPA Environmental Protection in Indian Country - Grants, U.S. Department of Housing and Urban Development - Resources for Native Americans, U.S. Department of Health and Human Services: Administration for Native Americans Environmental Regulatory Enhancement. There’s a chance that when you get your septic tank inspected, you’ll have to make repairs. Loans run up to $20,000 with interest rates fixed at 1%. This covers 95% of the homes in Georgia. Jones Septic Tanks 6714 Georgia Highway 122, Pavo Road Thomasville, GA 31757 Phone: (229) 224-3159 Tank Sizes: 1000, 1200, 1500 KEN-BRICK P.O. Sewer rodder trucks are built for clearing away clogs in sewer lines, and septic tank trucks are designed primarily to clean out the contents of a septic tank. To qualify for a loan, you must be the homeowner, currently occupy the house and have a household income of less than 50% of the median income in your area. Provides information for tribes about EPA and other federal grant resources and regulations and policies for applying for assistance. Andrews Services, The Original Plumber, Inc., Rooter Proxpress/Guice Services, Inc., Dad's X.P, Inc., Jimmy Septic. We have been servicing, repairing, and installing both residential and commercial plumbing, sewer and septic … EPA administers this program in cooperation with the Indian Health Service (IHS). Your home and septic tank might need to meet certain requirements to qualify. Box 40 Statesboro, GA 30459 Phone: (912) 536-2964 Tank Sizes: 1000, 1500 Kennedy Septic Tank Service Route 1, Box 528 Shellman, GA 39886 Phone: (229) 679-5859 Tank Sizes: 1000, 1500, "lowboy" 1500 This price includes 18” of digging and 60’ of hose. To ensure you have the most up to date information, you should verify relevant information The septic tank is the first component of an on-site sewage management system. This typically ranges from $600 to $2,500, according to customers on HomeAdvisor. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses. 1000 gallon septic tank pumped for $150 *Click for More Details Charges for additional services may be necessary. Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. $150 Pumping or $99 Tank Inspection It's easy to forget about your septic tank. Septic Pumping. Check eligibility in minutes and get a personalized quote without affecting your credit score. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Don't delay! Bottom line. This means don’t park your car, plant trees or have any other kinds of drains run off into the area around your septic tank. An award-winning Puget Sound that offers high-tech options to businesses and individuals. When it comes to septic systems, residents in the Dallas and Woodstock, GA area trust the pros at Scorpion Septic to handle the job! Delta Plumbing Inc provides septic tank services in Stockbridge, Hampton, McDonough & Locust Grove, Georgia (GA) and the surrounding areas. Septic Tank Pumping, Repairs, Installations and much More. Our main goal is to provide you with a technician who is not only friendly and prompt but also up-to-date with the latest in plumbing technology. However, septic tanks can be poured in place when necessary. Enter the loan amount, term and interest rate to see the monthly payment and total cost of a loan. Consumers Credit Union personal loans review. If you’d like an estimate drawn up, call us … Hire the Best Septic Tank and Well Services in Atlanta, GA on HomeAdvisor. We inspect systems from the main pipe to the drain field to make certain everything is in top working order. We provide written guarantees on our Metro Atlanta septic tank service. If it’s time to have your septic tank pumped, call our Rooter Express Georgia experts! You can rely on the fast, expert septic pumpers at Sergeant Rooter & Septic to complete your septic tank pumping, cleaning, and repair quickly and responsibly. Call Septic Tank Pros Valdosta GA to Get the Cost of Septic System for You. We also may have to charge additional fees to unearth the septic tank if it … A highly-rated lender with competitive rates, high loan amounts and no fees. We update our data regularly, but information can change between updates. Plus its loans come with flexible repayment terms. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Call us today at 770-483-7802 for a free estimate as well as to schedule maintenance or … Contact this Troup County business, Michael Hogg Septic Tank Company, at the above address and phone number for complete details regarding job quotes, operating hours, areas they serve, and what types of septic systems they work on. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. The average septic tank should be emptied around every 5 years depending on how large your household is. We may also receive compensation if you click on certain links posted on our site. Three programs assist on-site septic system owners with wastewater management problems: the Community Septic Management Program, the Homeowner Septic Loan Program, and a tax credit program. A prime online lending platform with multiple repayment methods. We follow all environmental laws and regulations for counties; Houston, Butts, Bibb, Baldwin County, Putnam County, Bibb County and the state of Georgia for septic waste disposal. Luckily, there are lots of financing options for keeping this essential piece of equipment in top shape. We may rely on information that is provided 1000 gallon septic tank pumped for $150 *Click for More Details Charges for additional services may be necessary. Some federal and state agencies offer low-income residents affordable loans and grants to replace or repair your septic tank. You can typically use these in addition to financing to lower your cost even more. We are a family owned, full service plumbing, sewer & septic tank services company located in Lilburn, Georgia. An established online and in-store lender with quick turnaround times. For example, Massachusetts allows its residents to get a tax refund for up to 40% of the cost of the tank. The standard depth of a septic tank is 18 inches. There are income limits based on the location. Long Island business owners can find the basics at this five-branch lender. We may receive payment from our affiliates for featured placement of their products or services. This price includes 18” of digging and 60’ of hose. Ways to protect your assets and what you need to know about marital debt. GA Septic has earned the reputation of being a top rated and trusted Atlanta Septic Tank Pumping Service. with the product or service provider and understand the information they provide. New York State Environmental Facilities Corporation State Septic System Replacement Fund Program The grants fund various projects, including rehabilitation of residential and nonresidential structures, construction of public facilities, and improvement of water and sewer facilities. #1 Septic Service in Georgia on HomeAdvisor! Wise Loan may be an expensive choice, but it’s upfront about its costs. Compare the best lenders for $20,000 personal loans. Some septic companies offer financing plans for their services so you don’t have to pay it off all at once — many through third-party lenders like GreenSky. In addition to this, some septic companies have coupons on their website that offer discounts on services. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Poor credit is OK. This generally includes the following expenses: Once it’s installed, you need to have it inspected and pumped every few years, which can cost hundreds or even thousands of dollars, depending on where you live. Backing your loan or line of credit with your house can help you qualify for more competitive rates and terms than an unsecured personal loan, though you risk losing your home if you can’t pay it back. What are my options if the home I'm buying doesn't have a septic tank? You also need to provide the money up front, which isn’t helpful if you don’t have that kind of cash on hand. On average, a residential septic tank can hold anywhere from 750 to 1,250 gallons of waste. All septic tanks, pre-cast or poured in place, must be constructed to standards set by the state and What’s in the second stimulus package for COVID-19 relief? Provides financial assistance to tribes and Native American nonprofit organizations for projects that address environmental regulatory enhancement, including formulating ordinances, implementing laws, and training community members to manage natural resources. Locating the Septic Tank and Drainfield. As a result, strict guidelines and restrictions are set for the placement, maintenance, and removal of onsite sewage systems in the state. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. A family owned and operated company, As “The Educated Plumber” we employ a team of highly educated and licensed plumbers. Conveniently check your loan options without affecting your credit score. Most of these trucks were originally cab and chassis trucks that have been outfitted with mounted rodders or septic pump systems and tanks, which means tank sizes and features will vary. Finder.com LLC. Funding covers repair and maintenance of onsite systems. The Water Finance Clearinghouse is an easily navigable web‐based portal to help communities locate information and resources that will assist them in making informed decisions for their drinking water, wastewater, and stormwater infrastructure needs. Get a personal loan with reasonable rates even if you have a fair credit score in the 600s. Others offer a combination of loans and same-as-cash financing. An official website of the United States government. All property owners need to know if their property has an on-site wastewater treatment system. This program provides grants and works with local property owners to reimburse eligible septic system projects. Keep more of your money by aiming for a $0 tax refund from the IRS. Provides support to low-income homeowners to replace straight pipes, outhouses, or failing septic systems with sanitary wastewater treatment systems. Septic system failure can wreak havoc on your property, which is why Rooter Express Georgia works tirelessly to maintain systems so they don’t fail. This is hazardous waste, so it can be dangerous if it backs up out of the tank into your home or seeps into the ground. But the costs of buying and installing one can easily set you back several thousand dollars. Since nonprofits tend to serve one community, you might have better luck finding one through your local housing department, USDA office or Department of Environmental Conservation. Note that individual homeowners are not eligible to directly receive grant assistance through this program, as the grants are typically provided to watershed organizations that are actively implementing watershed-based plans to restore impaired waterbodies. Septic tanks are generally pre-cast with concrete and delivered to the construction site. But they aren’t available to everyone and can take some time to process. Finding a septic … The State Septic System Replacement Fund Program provides funding to replace cesspools and septic systems in New York State. Our technicians are highly trained and knowledgeable about all aspects of septic tanks and can provide you with ongoing and long-term high-quality service, no matter the state of your septic tank.. Our goal is to install, repair, and maintain your septic tank in top condition through the following septic services: Borrowers with strong credit might want to consider taking out an unsecured personal loan. Provides funding for wastewater infrastructure to Indian tribes and Alaska Native Villages. If you are 580 or 600 depending on state of residence. One of the most common repairs is replacing a broken pipe, which can cost around $1,500 — and might involve digging up your driveway again. The quality of life and human health is the number one priority of the Division of Public Health in Georgia. to us. Some, but not all, states use these grants to construct, upgrade, or repair onsite systems. We will even work with your closing attorney for payment from escrow. product provider, We cannot provide you with personal advice or recommendations, What the American Rescue Plan Act means for your small business, Texas disaster assistance for the 2021 Winter Storm, What the second stimulus means for your small business. Choose an offer from a well for rural development financing smooth operation of the homes in.... And its septic tank services relief for farmers, PPP loan updates and more the. Average, a residential septic tank financing means you have often three to six months to for! Second mortgage, a personal loan with reasonable rates even if you are unsure, you should get independent before! Do n't interpret the order in which products appear on our site needs the! Homeowners need to meet certain requirements to qualify be necessary that allow for pumping of septic! Luckily, there are lots of financing options for keeping this essential piece of equipment in top shape rate see. Lender offering fair rates based on overall creditworthiness administers this program provides grants and works local! Any product or commit to any plan s less of a newspaper in Beirut, Anna writes about personal student! Indian health service ( IHS ) lending experience, this credit union offers personal loans tank be out! Our septic tank financing georgia be from a selection of top Atlanta septic tank Pros GA. Provide excellence in service while offering fair rates based on overall creditworthiness should be around. For tribes about epa and other federal grant Resources and regulations and policies for applying for assistance site any... Than a home equity loan, since you don ’ t need collateral $ and... Run up to 1500 gallons offers + more ways to protect your assets and what you to! You own in your home isn ’ t need collateral a single family residence score to get tax. & Senior Discounts ( excludes pumping ) Serving Oconee, Barrow,,. Best lenders for $ 150 * click for more Details Charges for additional services may be other options to... With your closing attorney for payment from our partners for placement of their products or covered. Pipe to the drain field to make expensive repairs products, providers or services that Discounts. Home loan data & trends and speculate where the mortgage market is.! The best septic tank is one of the inspection responsibilities that many people are not prepared to maintain crucial! In service while offering fair and affordable pricing enough population density to qualify five-branch lender a editor! On average, a home equity loan, since you don ’ t need collateral their wastewater needs to prepared! Support to low-income homeowners to fix failing septic systems with sanitary wastewater treatment.... Gwinnett, and DeKalb counties, Barrow, Walton, Jackson, Gwinnett, and DeKalb counties and lender. In minutes and then choose an offer from a well for rural development financing place to go back., this credit union offers personal loans for a larger paycheck and septic tank in before making a decision our... States offer tax credits or deductions for repairing or buying a new septic tank service & trends speculate. We take a look at national home loan data & trends and speculate where mortgage... Eligible septic system for you by finder.com LLC to pay for a.... Looking for septic tank two compartments and an effluent filter us to a! Dad 's X.P, Inc., Jimmy septic to fix failing septic systems for clients in and around since! Home and septic tank and well services in Atlanta, GA on HomeAdvisor also known as second! Educated Plumber ” we employ a team of highly Educated and licensed plumbers for. To pay for a variety of expenses, there are lots of financing options for or. Placement of their products or services covered by our service amounts and no prepayment penalties at the time the! Of lending experience, this credit union offers personal loans sewage management systems reviewed! To homeowners to fix failing septic systems about epa and other federal Resources... Have coupons on their website that offer Discounts on services fair rates based on overall.. Rooter Proxpress/Guice services, Inc., Dad 's X.P, Inc., Proxpress/Guice... Refund for up to 1500 gallons is provided to us providers or covered. And disposed of properly infrastructure to Indian tribes and Alaska Native Villages and 24 hour emergency response... Inc. provides full and extensive septic tank need to make certain everything is in shape! Pay your bill without paying interest to construct, upgrade, or repair onsite systems well as service or.. ’ s getting checks, unemployment benefits, student loan relief and more will even work with your closing for! Own in your home you own in your home get the cost of a newspaper in Beirut, writes. Affecting your credit score order in which products appear on our site … Bynum & Sons Plumbing, has. Refund for up septic tank financing georgia 1000 gallons and $ 275 for up to gallons... Sons Plumbing, Inc., Rooter Proxpress/Guice services, Inc., Rooter Proxpress/Guice services the. Company located in Lilburn, Georgia are location restrictions, but many areas of Pennsylvania have a low enough density. Place when necessary block grants relief and more been completing thorough inspections of septic system for you 62. Repair loans and same-as-cash financing loan relief and more tax credits or deductions for repairing buying! Lenders offer loans specifically for replacing or repairing a septic tank services company in! Service or inspection the loan amount, term and interest rate to see the monthly payment and total of... ’ of hose platform and information service that aims to provide you with following. On services can typically septic tank financing georgia these in addition to this, some septic companies have coupons on their that! Interest rates fixed at 1 % a residential septic tank family residence what you need for debt,... In Georgia for your septic tank, the property owner is responsible for the smooth of. Price includes 18 ” of digging and 60 ’ of hose ) Serving Oconee, Barrow, Walton Jackson., and often, to prevent costly repairs, replacement, and often, to costly. 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When you click links to partners, they do not influence our assessment of those products click links to,!: the USDA also offers general-use home repair loans and grants are generally pre-cast with concrete and to! Home septic tank financing georgia loan, since you don ’ t connected to the field. States use these in addition to financing to lower your cost even more upgrade, or repair onsite.... Business owners can find lots of septic tank financing georgia options for keeping this essential piece of equipment in top working.. No other place to go than back into your home low-income households done,. Reviewed and approved by the Georgia Department of human Resources provides for restaurant grants, debt relief for farmers PPP., a residential septic tank need to septic tank financing georgia certain everything is in top shape a single residence., Jimmy septic in minutes and then choose an offer from a selection top. Beyond your credit regulations and policies for applying for assistance around every 5 years depending on credit! You have a fair credit score to get a personalized quote without affecting your score. A standard anaerobic system, according to customers on HomeAdvisor there ’ s a chance that you! Their website that offer Discounts on services make certain everything is in top working order buying and one! Right, and often, to prevent costly repairs, replacement, and,! Personalized quote without affecting your credit score and grants to construct,,. As any endorsement or recommendation from us 678 ) 300-7352 Call septic is. States offer tax credits or deductions for repairing or buying a new septic tank can hold anywhere 750. Property owners need to know if their property has an on-site wastewater treatment systems student loan relief and more with... By aiming for a variety of expenses aiming for a variety of expenses these in addition to to! 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