byAlma Abell

Most areas have laws regarding dogs, and in many cases, it is required by law that dogs are properly contained within the owners’ properties. There are a few ways that this can be done. Dogs can be tied out on leashes, but this restricts their freedom, because they can’t really move around a whole lot. Another option is to fence in outdoor areas so dogs can move around as the please and be able to enjoy having a lot more room to play. But, many people are not ready to invest in permanent fencing, for any number of reasons. For instance, someone who is renting may not want to put a permanent fence up on a property that they aren’t going to be at for long, but they may be able to get permission to put up a temporary barrier.

When most people think about Temporary Fencing in Denver CO, they think about fencing that is used for special events, construction sites, etc. But, anyone can rent these barriers for whatever purposes they need them for, and for as long as they need them. This is one of the best ways for many people to keep their dogs safe and contained within the yard, away from people and other animals. There will also not be any chance of them roaming and becoming injured by vehicles.

There are many types of fencing one can use to contain their pets, including invisible fencing, but this can be quite costly, especially if one doesn’t plan to stay at a particular residence for long. Renting Temporary Fencing in Denver CO is a less expensive alternative for those who don’t want to install anything permanent, at least for the time being.

This type of fencing can be used for a number of residential purposes. For instance, when homeowners are doing renovations, they can get barriers from CAM Colorado that will keep people away from the area so injuries are avoided. They are used for property security, as well as when people are building new homes. Fences are delivered and installed, and then removed when they are no longer needed.

A spike in the Foreign Exchange firms created a surge for the merchant account providers worldwide. Merchant Account Providers are competent to offer Forex Trading Merchant Account to FX brokers around the globe.

“The Forex market is the biggest market in the financial market. With $2,409 trillion estimated annual trading value,” says Forex To Stocks.

Yet, the FX merchant faces several obstacles while getting a merchant account. Moreover, many FX brokers find merchant account providers to be fake and fraudulent. It becomes crucial for a forex business to get a trusted and secure merchant account provider for the company.

The Little Changes for FX Merchant Account

A need for a merchant account for your business makes you hunt for the merchant account provider. As forex is considered to be a high-risk business most banks conventionally deny a merchant account for your FX broker business.

The volatility of the market creates a huge barrier, to begin with. You can take certain changes into account that will make a huge difference in attaining a Forex Trading Merchant Account. It will be a kick-start to your brokerage business online.

1. Research the Merchant Account Provider: You will find a great deal of information while you research for a Merchant Service Provider. There are different aspects to merchant service. The features, the benefits, the assistance, even the support of a company are different from the other.

Background checks, reviews, and other trusted sources will serve as a backbone to the research and your business as well.

1. Don’t just aim for a Merchant Account: A merchant account is not enough for your business to take the right stance. In other words, a Merchant Account is just a bank account that will receive the online payments for your business.

You need a payment gateway to process digital payments. Online transactions through your website are possible via a payment gateway alone. The transfer of revenue from the consumers to your acquiring bank needs a bridge or a payment processing channel. A payment gateway is exactly what you need for the payments to be processed.

1. Aim for a Trusted Third-party Merchant Account Provider: High-Risk Businesses are mercilessly denied a merchant account due to its volatile nature. As we mentioned before, Forex does fall under the High-Risk business category. It is recommended to take a trusted merchant account provider into account.

A Merchant Account from a third-party service provider has certain features and benefits that a bank will deny in the first place. Fraud protection, chargeback management, multi-currency and multi-language support, modes of payment, and much more.

1. The Paperwork: The paperwork forms the most crucial part of the contract that you make with the merchant account providers. Therefore, it is your duty and responsibility to read the paperwork thoroughly.

There are two reasons for the same. One all the charges and the conditions are clearly stated there. Secondly, you will have a clear idea of what they are offering you and for what you are paying them.

1. Ask for Security and Compliance: Setting up a PCI Compliance, Fraud Prevention, or Chargeback Management system on your website is a huge task. Not to mention the cost of installing one of these.

As we mentioned before, the merchant account needs a payment gateway, it is important that you chooses a service provider which is PCI Compliant, has features of fraud protection and chargeback management. It saves you money and will help your business to get better consumer retention.

1. Build your Business Credit History: Business credit score is a major requirement for your business to get a merchant account and a payment gateway. Unfavourable credit history can be a serious downfall to a business and can hamper the long-term goals of a business. Therefore, you need to build a business score.

Avoid chargebacks and stay away from frauds. The timely repayment of loans and a good relationship with a merchant account provider proves to be a great support for the credit score and credit history.

1. The Transaction limits: The large-value payment system of a company will significantly boost the business idea of yours. FX requires constant transactions from low to huge amounts. The daily run of foreign exchange trade needs you to accept the payments from the traders.

Therefore, putting a limit to the transaction volume or the number of transactions per month will cost you heavily.

What is the Best Choice for your Business?

The Forex Trading Merchant Account from a trusted Account Provider such as eMerchantProis a great choice. Merchant Account with a Payment Gateway will help you to process and accept payment on your website seamlessly.

The easy integration of the algorithm into the website ensures that your business can readily start with payment processing and payment acceptance.

The best part is the benefits you get with the combo of payment gateway and merchant account. Here is a small list of the benefits:

• PCI Compliance
• Multi-currency support
• Multi-language support
• 3DS or Non-3DS Payment Gateway
• Seamless Integration
• Quick Approval for the Merchant Account
• Fraud Protection
• Chargeback Management; etc.

There are several features and benefits that you can expect.

Conclusion

To sum things up, a Forex Trading Merchant Account needs to be accompanied by a Payment Gateway. It is wise of you to on board a service provider that offers both. Moreover, do take into account all the pointers that we discussed to reach a better possibility and result for your FX Broker Business.

When you are at the brink of losing your house due to payments delay, brooding and whining about the problem is normal. However, taking the predicament sitting down won’t do anything to solve it. By the time you hit rock-bottom on foreclosure, asking to modify loans is virtually the greatest means to save your house from being put on the market. The economic recession has slowly been changing the way loan companies and banks go about with getting paid. These days, most of them would be willing to alter the interest rates and monthly payments than commence costly foreclosure proceedings. This means that instead of running away from lenders or downsizing on other commodities, it is best to have your interest rates and monthly payments modified. But how do you exactly do this?Here are the initial steps to modify loans. 1. Get a clear idea of your finances. The very thing that brought you to the brink of foreclosure is the ultimate means to get you started on loan modification—financial analysis. Know the detailed breakdown of your expenses, bank account balances and debits. You should know where your money goes and how you can cut on expenses. Seeking for a free financial counseling service is also another way to get accurate facts about your financial status. Seeing the bigger picture of your cash flow will be paramount to the next step in the process. 2. Contact your lender and tell him about your loan situation.Once you’re done analyzing your finances, the next crucial thing to do is informing your lender about it. Instead of running for cover, it is best to inform the lender about the looming foreclosure as soon as possible. 3. Clearly explain your dilemma to the lender.There is no greater time to whine and narrate about your financial problems than when you are already face to face with the lender. Tell him about your exact and detailed money situation, but don’t be too dramatic in doing so. Most borrowers who appear too broke and bankrupt are the ones who don’t get their loans modified. You are there to present a proposal to your lender, so it is best to exude sincerity and professionalism. 4. Answer your lender’s questions honestly and confidently.Expect your lender to ask you a whole bunch of questions that relate to your finances. Furnish them with the necessary documents they ask of you to produce for them to assess your request better and faster. Show them that you’d be able to pay the reduced monthly payment by backing them up with documents and an assurance of a pay up.5. Consult a loan modification specialist to verify the feasibility of the deal you have negotiated with your lender. This is necessary for you to be sure that it is reasonable and will not only free you from foreclosure for a month or two. Some of them might offer a forbearance agreement than to modify your loan. However, keep in mind that forbearance is not a long term solution to foreclosure. Those who are granted of this service are borrower’s who are not in yet foreseen to be in the pits of foreclosure. Loan modification is a strong weapon against foreclosure. No one has to lose a home even in the midst of recession. The sooner you act to modify loans, the sooner you’ll be free from the sinking lower into the abyss of foreclosure.

Many employers and the task marketplace are simply very open to personnel who won’t be getting their university stages each part-time or full-time. A university pupil seeking out a task is in all likelihood to bear in mind a timetable with paintings that would intrude together along with his or her education. College students who need or want to paint at the same time as in college can discover quite a few jobs that offer knowledge, capabilities improvement, and stable profits. In this article, expert writers at studyessay.org prepared a list of jobs for college students in the summer that you may pursue at the same time as reading in university.

Here is a listing of the very best-paying jobs for college students.

1. Driver (Independent Contractor)

The driving force running beneath the agreement of a personal contractor is obliged to take passengers to their pick-up factor and take them to their destination. The paintings with experience-percentage systems to acquire experience requests, use maps and GPS gear to discover places, and acquire coins bills wherein wished. A legitimate driving force’s license, a motor automobile with an accredited working situation, and a smooth using file will generally be the phrases of this best paying job for college students.

2. Compass Representative

The campus consultant is liable for elevating cognizance approximately the business enterprise she or he works for in the university. These high-paying jobs for college students consist of developing flyers and content material posters approximately their company’s services and products for distribution on campus, dispensing samples, organizing campus activities, and different advertising and marketing sports. Campus representatives can be required to manipulate the product’s internet site and social media systems.

3. Massage Therapist

Massage Therapist relieves pressure and ache and encourages movement to their customers via healing rubdown. This best-paying job for college students features consist of defining to be had rubdown options, together with advantages and pricing, assisting customers to pick out the maximum suitable kind of rubdown for his or her needs, putting in a spa, and cleansing after every session.

Massage therapists additionally maintain facts and files associated with their customers and disinfect any rubdown equipment. Working as a rubdown therapist generally calls for a certification process. You do now no longer want a university diploma to turn out to be a rubdown therapist, however, you could want to take a rubdown schooling software and attain a kingdom license. You may fit as a rubdown therapist at some stage in your university years.

4. Bartender

The liquor provider works in a bar or eating place, serving clients drinks. This best-paying job for college students consists of liaising with sponsors, taking their orders, and making ready and turning in orders. Retailers also can offer food, bar restock centers, and make cocktails. Since bars provide alcoholic beverages, alcohol outlets are liable for checking their IDs to make certain that shoppers have prison ingesting age and are capable of deciding alcohol levels.

5. Independent Internet Clothier

Do you recognize the way to write code? Individuals and agencies pay a better greenback for internet-primarily based totally internet designers. Thanks to unbiased markets including Upwork and Freelancer, it has by no means been less complicated to construct a customer.

While internet layout and programming are superior capabilities, you do now no longer need to wait till you’ve got a university diploma to make money. If you recognize the way to write code, set a profile on this type of website and offer unbiased services with this best paying job for college students.

Although personal worker profits records aren’t easy to be had, you will be capable of fee extra through the years as you construct an excellent portfolio and recognition at the site. In addition, your task allows you to get a task after graduation.

If you’re new to coding, bear in mind a boot camp coding lesson. Not best will you benefit from treasured capabilities however you’ll additionally increase your thoughts through mastering a brand new language?

6. Local Consultant

A resident counselor oversees sports in the lodging location and guarantees that each citizen is safe. Their obligations consist of making sure that citizens observe constructing codes and regulations, imparting updates on new housing regulations, and appearing as a liaison among citizens and housing officials. This best-paying job for college students additionally welcome new citizens, look at them, and offer recommendation wherein wished.

7. Research Assistant

The studies assistant works at a university, laboratory, or different organization wherein studies initiatives are underway. Their obligations consist of undertaking studies and making ready precise results, compiling development reports, making ready interview questions, and summarizing results. Research assistants may put together a studies budget. This best-paying job for college students can be appropriate for college kids reading the associated sciences.

8. Nursing

If you adore running with kids, babysitting may be an excellent decision – and it’s far one of the maximum paid part-time jobs for college kids. Many schools have a mission board that connects nearby households with cutting-edge college students.

The babysitter appears after the babies, babies or babies at the same time as their mother and father are away. The fundamental obligations of this best part-time job for college students consist of bathing and dressing kids, making ready food and feeding, helping with homework wherein wished, and preserving kids busy and safe. The babysitters also are liable for preserving the play location and eating place smoothly and probably placing the kids on mattresses in the evening.

Conclusion

Thanks to the Internet, you may browse lots of possibilities on task forums and hiring backgrounds for your university. Some of the very best paying jobs for college students are finished online entirely. Remote paintings can be extra appropriate for university college students because it gives extra flexibility in time table and location.

byAlma Abell

When do most people find out they have a termite problem? The answer is when it is too late. This is because by the time there is noticeable damage to your property, the termites have done an extensive job of eating away at the wood underneath. Don’t wait until it is too late to get help for termites. Control the problem at the start by working with a professional pest control company. They will provide you with the resources and solutions you need that will get your home under control.

Getting rid of the termites

Termites are hard to get rid of on your own and its never worth the risk to try to tackle the job of termites control without professional help. A termites control company knows how to get rid of termites once and for all using the most effective methods and techniques. Instead of going it alone, call a professional company. If you have a very serious problem, you may need to vacate the home for a few hours up to a day so that the entire home can be tented. Chemicals will be released that will thoroughly eliminate the pests for good.

Working with a professional

Whether you suspect you have a termite problem or you just never checked, the first step is to get a thorough inspection. Termites can sometimes be mistaken for ants so you will need an experienced termites control company to take a look for you and let you know whether or not your property is affected by termites. If they discover termites on your property, you will need to move quickly. You can’t get your property back in order on your own, so your termites control company can begin the process of eliminating these pests for good.

Avoid excessive damage to your property

Termites can cause excessive and irreparable damage to your property which in extreme cases will result in you having to vacate the property. If this is a long time family home this can be very disruptive to everyone in addition to being a very unappealing situation. Catching a termite infestation early will ensure that any property damage can be caught early and the pests can be eliminated completely.

When you need effective termite control, Wildcat Exterminating can serve your needs and help protect your home. To find out how you can get quality assistance, visit them online at http://wildcatexterminating.com.

Mike’s Air Conditioning, the answer to service for Manhattan air conditions

by

Mike Sac

There is help available for Manhattan air conditioners. That helped could be total replacement of an air conditioning system, or it could be repair service for component of your system or cleaning of the air ducts. Regardless what type of service you need for your Manhattan air conditioners there are reliable technicians available to help you.

As everyone knows Manhattan air conditioning

systems are important for the well-being and health of individuals as well as their comfort and relaxation. We all remember those times when in the middle of the hot summertime the air conditioner is just not keeping up with what we expect from it. Like those times in the middle of night we just can’t get sleep simply because it’s just to hot. We get up and check the thermostat and realize that it is set correctly, but the actual temperature is much higher than we desire. So what do you do?

The solution to that problem is to call an expert in the field of HVAC. Heating vent and air conditioning is a specialty service that is provided by trained and licensed technicians who must come to your home to service your air conditioning system. When selecting an HVAC specialist. It is important that you do due diligence in order to protect them from harm.

Information about Manhattan air conditioners services can be found right on the and right from their own dance in your home by typing in the information that you want to know. By doing this you can quickly bring up a list of providers of this service and make a selection from that list. You can also pick up your local telephone booking and Peruse the pages there to find a reputable service company. Once you find a company that you would like to use it is good idea to check them out with the Better Business Bureau or your local Chamber of Commerce to make sure that they have a reputation that you can depend on.

One of those companies that you could choose from is Mike’s Air Conditioning. Mike’s Air Conditioning has been around for 50 years and has built a reputation as being one of the finest in the industry. With a team of highly trained and qualified technicians, you will be sure to find that they will treat you right can do an excellent job. You can find Mike’s Air Conditioning in your local phone book, or you can also go online and check http://mikesairconditioning.com for complete information about their services.

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ArticleRich.com

By Seomul Evans

Perhaps you need to throw a party for your daughter’s graduation or your son’s birthday. You will apparently need a space to accommodate all guests, but you’re unfortunately tight on budget. So now you’re eyeing for a cheap banquet hall rental where you can hold the event in a budget-friendly manner. Finding a cheap venue is easy, but is it really worth booking?

Space

Your budget can have a significant impact to your choice of a banquet hall rental facility. The most obvious will be the space or the floor area you get to lease. When deciding how big or small the space should be, consider the number of guests you’re expecting. Stuffing all your family and friends in a very small room is a bad idea. On the contrary, having a room so huge for 50 people can make the event look empty. Find a cheap room that can accommodate all guests comfortably. If budget is really tight, consider inviting only few close friends and family. It will not only cut down your expenses on rental and decorations, but also makes your event more intimate. Besides, it is much easier to decorate small rooms than large ones.

Service and Amenities

Inquire about some amenities on offer like lighting, audio and visual equipment, decorations, parking, tables and chairs, ventilation system, bar services, etc. Unfortunately, you can’t expect to enjoy everything with a budget so low. Some cheap banquet facilities can only provide space and food, or perhaps space alone. Even if you’re lucky to find a cheap banquet hall rental facility that offers complete amenities, you still can’t expect to have state-of-the-art equipment. By that, you may need to hire other personnel that offer different services for food, audio-visual system, decors, as well as rent tables and chairs. This will not only give you a pile of work, but also means additional expenses for every service that your hire.

Food Catering

Find a cheap banquet hall rental facility that offers catering services. Ask about the menu so you could choose accordingly. In any way, you have to ensure the quality of food by tasting it well in advance. Take along a friend, a relative or a neighbor to help you form an opinion. If the cheapest facility does not offer food catering service, you can ask some of your friends to help you in the kitchen. Unfortunately, food preparation can really be time consuming and daunting. Likewise, it is pretty much of a challenge to serve good food with culinary crafting to make it look more appealing to your guests. If you don’t mind spending too much time in food preparation, you can save some money catering food yourself. Otherwise, your next option is to hire a food catering service to cover the event on your behalf.

It’s no doubt that the economy is only getting tougher all through the years. If you’re looking to save money, try picking off peak dates. A week between Christmas and New Year is considered to be the time when banquet venues are almost empty. Hence, you can expect these businesses to offer steep discounts. While everyone is busy with Christmas shopping, partying or vacationing, try to sneak in some banquet hall rental facilities and ask for special promos and discounts.

About the Author: Seomul Evans is a SEO Services consultant for the leading

Dallas Wedding Venue

facility. Visit the site for

Dallas Banquet Halls

and conference room services.

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isnare.com

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GCC Food Flavors Market:

Growth opportunities in the GCC food flavors market look promising over the next six years. This is mainly due to the increasing demand for a year-round supply of seasonal food items and ready-to-eat means and the shift towards frozen food due to the hectic lifestyle of people.

Request for a FREE Sample Report on GCC Food Flavors Market

GCC Food Flavors Market Dynamics (including market size, share, trends, forecast, growth, forecast, and industry analysis)Key Drivers

Individuals, primarily in UAE and Saudi Arabia, are searching for a year-round supply of ready-to-eat means and seasonable food items, which is one of the major drivers responsible for the growth of the GCC food flavors market. The busy lifestyle of people has resulted in an incline towards frozen food products, with a lot of nutritional content. According to the data collected by the UAE government, there has been a rapid boost in the total working population, with a total of 7.38 million labor force in 2018. The frozen and precooked meals, including veg meals, meatballs, and food products, are halal certified, owing to which they are experiencing robust growth across the country. The stimulating residential and hospitality sector, accompanied by the boost in the infrastructure projects such as the Murcia Residential Project, Four Season Jeddah Corniche, Qiddiya City, Neom Business City, and Jabal Omar Projects, will propel the food flavour market share. However, the rising consciousness towards the toxicity levels in pesticides and other health issues will curb the market size.

Origin Type Segment Drivers

On the basis of origin type, natural food flavors are projected to witness a higher CAGR over the forecast period. Natural food flavors are obtained from fruit juice or fruit, spices, vegetable juice, or edible vegetable yeast and provide numerous advantages like additional medicinal properties, decreasing food preparation time, and are nearly effortless. This has strengthened the market growth.

Application Segment Drivers

Based on the application, the beverage segment is anticipated to expand at a faster CAGR over the forecast period attributed to the expansion in this industry-led by changing consumer tastes and preferences. The industry mainly uses flavors, including high fructose corn syrup (HFCS), citric, malic, phosphoric, and sucralose acid. The rising demand for natural flavors across consumers supports the manufacturers to opt for natural flavors to capture the varying demand of the target audience.

GCC Food Flavors Market Segmentation:

Segmentation by Origin Type:

• Natural
• Artificial

Segmentation by Form:

• Liquid
• Power & Pastes

Segmentation by Application:

• Beverages
• Bakery
• Cereals
• Soups and Sauces
• Desserts
• Dairy and Frozen Products
• Snacks and Savory
• Animal and Pet Food
• Others

Segmentation by Countries:

• UAE
• Saudi Arabia
• Oman
• Kuwait
• Rest of GCC

About GMI Research

GMI Research is a market research and consulting company that offers business insights and market research reports for large and small & medium enterprises. Our detailed reports help the clients to make strategic business policies and achieve sustainable growth in the particular market domain. The company’s large team of seasoned analysts and industry experts with experience from different regions such as Asia-Pacific, Europe, North America, among others, provides a one-stop solution for the client. Our market research report has in-depth analysis, which includes refined forecasts, a bird’s eye view of the competitive landscape, key factors influencing the market growth, and various other market insights to aid companies in making strategic decisions. Featured in the’Top 20 Most Promising Market Research Consultants’list of Silicon India Magazine in 2018, we at GMI Research are always looking forward to helping our clients to stay ahead of the curve.

Media ContactCompany Name: GMI RESEARCHContact Person: Sarah NashEmail: enquiry@gmiresearch.comPhone: Europe – +353 1 442 8820; US – +1 860 881 2270Address: Dublin, IrelandWebsite: www.gmiresearch.com

Submitted by: Nancie Zecco

India, the country of glorious history, diverse cultures, different festivals and religions, and outstanding monuments is really a splendid place to make a must-visit. There are many tours to India that offer an insight to the culture, custom, traditions, and natives of the country. India vacation tour would be a great and learning experience for all. Country is an attractive blend of incredible landscapes, historical sites, amazing coastline, attractive palaces and cities, mountains, dense forests, snow clad peaks, desert areas and substantially it is a land known for its cultural and religious diversity. Visiting India is a marvelous experience with experienced and interactive India tour operators to make the journey even more enjoyable.

The magnificent forts and palaces of Rajasthan, stunning hill stations in the Himalayas, the architectural beauty of Delhi, greenery and forests of the east and golden beaches of south; everything has a beauty and just one tour is not enough to explore all of these attractions. Indian temples are magnificent and have substantial cultural and historical relevance. Just name the geography and natural beauty that you want to see to travel agents in India, and they will have it for you. India is a rich country providing a memorable experience to its visitors. As the nation is big enough, just one trip to India tourist attractions is not enough and thus, there are many travel package deals and experienced travel agents India to help and plan for a travelling to India to visit those places that tourists want to go.

Some of the best vacation deals are desert package, golden triangle package, etc. Some packages are towards the renowned temples and hill stations. Being the country that attracts more tourists from round the globe, India has many tourist attractions and charismatic places to show off. Some of the major tourist destinations in India include Delhi, Mumbai, Goa, Jaipur, Nanital, Shimla, Ooty, Udaipur, Kerala, and so on. The capital city of India, Delhi has many number of places to visit such as Jama Masjid, Red Fort, Jantar Mantar, Qutab Mimnar, India Gate, and many other places that have national or historical importance. Taj Mahal, the most notable and one of the 7 wonders of the world situates in Agra. Being the epitome of love, Taj Mahal attracts many tourists from all around the globe to view and honor the monument made of marble.

Another India tourist attraction is Rajasthan which is dotted with many forts and palaces and it is the largest region of India. Known for its people, food, hospitality, culture, festivals, folk dances, forts, palaces, and temples, Rajasthan welcomes tourists from the globe to view and explore the colorful state. Besides the natural and scenic beauty, India is rich with flora and fauna and has many sanctuaries and national parks as well. Travel agency India offers many and affordable travel packages deals to experience the wonderful and breathtaking country. Tours to India and experienced India tour operators make visiting Indian a memorable one and this is why everyone wants to visit India frequently.

About the Author: Mr.Mannan is a web specialist associated with Atechnocrat Solution written a quality based articles on India Tour Operators,Tours to India, Tourist Travel, Tourism Travel, India Vacation, Visiting India, Travel Agent India[

indiantravelconsultant.com

]Travel Packages Deals.

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By Matt Oberle

Lately youve seen Reliant advertising their new Cap & Save plan. Its been everywhere lately, radio, billboards, television ads, etc. Reliant is throwing a lot of money into this plan because they want it to be a big seller. However, is the plan a good deal for customers?

What is Cap & Save?

Reliant’s Cap & Save plan is an Indexed Plan – what does that mean? An Indexed plan gets its name because the plan in question is tied, or indexed, to something specific. With electricity providers, the plan is almost always tied to natural gas prices, which is the appeal to customers. The basic premise that can be sold to shoppers is This plan is tied into the price of Natural Gas, so when gas prices are low, your costs are low. When theyre high to us, then theyre high for you. Sounds good, right?

How does Reliant calculate the price of electricity for the Cap & Save plan?

Heres the information from Reliants most recent electricity facts label (Centerpoint region) for this plan on how they come up with their prices:

Base Charge: $0.00 per month

Indexed Energy Charge *: $0.093/kWh initially All kWh

CenterPoint Energy Delivery Charge **: Actual Charges from CenterPoint Energy

* Indexed Energy Charge = $0.093/kWh – Natural Gas Discount Factor (NGDF)

NGDF, applicable if Monthly Natural Gas Price/MMBtu is lower than the Initial Natural Gas Price/MMBtu

of $5.00, = ($5.00/MMBtu – Monthly Natural Gas Price/MMBtu ) x 0.003 MMBtu/kWh.

In this formula, Reliant is setting the price for electricity as well as providing for a potential discount based upon the cost of natural gas. Their initial estimate and starting point is for the cost of natural gas to be set at $5. So, when natural gas prices drop below $5, customers receive a discount. Natural gas is currently trading around $4, so what kind of discount does that get the customer? That discount would be ($5-$4) *.003, which is the same as $1 * .003. So the discount is .003, which makes the Indexed Energy cost an even .09 when natural gas costs $4.

So how does the formula really work?

13.3 cents per kWh locked in for 12 months is an extremely high rate right now. For comparison, it’s currently the highest listed of any 12 month electricity plan in Houston. There are 17 different plans in Houston offering 12 month contracts, all in the 9-10 cent range. So how does Reliant get to 13.3 from a listed Indexed Energy Charge of 9.3 (or 9.0 if gas prices are at $4)? Where does this cost come from? Reliant is listing this as “Centerpoint Energy Delivery Charge.” There will be similar charges for customers in Oncor, Texas New Mexico Power, and both AEP regions as well. But what are these charges? Well, they don’t list them out on Reliant’s electricity facts label, but TDSP’s like Centerpoint all have delivery charges that are passed on to the customer, as well as other additional costs like Hurricane Ike Recovery Fees, Smart Meter installation fees, etc. It’s important for customers to understand that EVERY customer has to pay these fees, regardless of who provides them with electricity. You’d be paying them if you had Reliant or Green Mountain or anyone else. The only difference is that some providers list out all of these charges, and other providers use an “all-inclusive” kind of average rate of electricity. Reliant isn’t listing the specific charges out, they’re taking the “all-inclusive” approach. So whatever those Centerpoint charges are, they’re enough to bring the average cost of energy for customers on this plan of 9.3 to 13.3. That’s a significant hike. It represents more than a 33% increase in the rate charged to customers.

But again, it is important to remember that EVERY electricity company has to pay these charges and pass them off to the customer. However, other electric providers are still offering plans in the 9 cent range with those charges, while Reliant is offering theirs at a starting point of 13.3.

So what would the cost of natural gas prices have to drop to for Reliant’s Cap & Save plan in order to become competitive with the rest of the market?

Well, the Electricity Facts Label can tell us this as well, even if we don’t know all of the different charges that Reliant is attributing to Centerpoint. Per the Electricity Facts Label, at 1,000 kWh estimated usage an a natural gas price of $5, Reliant is showing a rate of 13.3 cents. At 1,000 kWh estimated usage and a natural gas price of $4, Reliant is showing a rate of 13.0 cents. At 1,000 kWh estimated usage and a natural gas price of $3, Reliant is showing a rate of 12.7 cents. So it’s pretty easy to see the average of rates here, even if we don’t know the specific TDSP charges. Following this pattern, to get the rates to 10.0 kWh, which is the high end of competitive prices in the current market, the cost of natural gas would have to drop to negative $6 dollars, which is obviously never going to happen. Natural gas manufacturers would have to pay RELIANT $6 per unit of natural gas for Reliant to lower their rates enough to be competitive. What if natural gas were simply free? Under this plan, their rates would be 11.8 cents per kWh, which is still not close to competitive.

What happens if Natural Gas charges go over $5?

If that happens, then the customers who have the Cap & Save plan are getting a deal, right? Maybe, but if other companies are already offering plans at a third of the price as Reliant, how high would the gas prices have to go for things to even out? The answer is that it wouldn’t ever matter. Because if a customer had a 12 month fixed plan from one of the dozen or more competitive priced electricity providers, if the natural gas prices went higher than $5, customers would still have a locked in rate anyway.

For the record, Reliant offers several other 12 month plans in the Centerpoint area for much cheaper rates than the Cap & Save plan. One is at 10.3 cents per kWh, and another is a 100% wind plan at 11.8 cents per kWh. So it’s obvious that Reliant can produce energy for much cheaper rates, but not ones that generate nearly as much profit. So when you hear a commercial or see an advertisement about the security of the Cap & Save plan, don’t buy into the message. There are plenty of other secure 12 month plans on the market that are just at safe, and literally at a fraction of the cost to customers.

About the Author: Matt Oberle is the manager of

Texas Electricity Ratings

, a website that allows customers to take part in the deregulated electricity market of Texas. Consumers can submit reviews about their electricity providers as well as shop by price and company ratings.

Source:

isnare.com

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