Going Up

April 8, 2014

As reported in eia.gov

First the report:

  • Natural gas working inventories on March 28, 2014, were 0.82 trillion cubic feet (Tcf), 0.88Tcf (52%) below the level at the same time a year ago and 0.99Tcf(55%) below the five-year average (2009-13).  Henry Hub natural gas spot prices were volatile over the past few months, increasing from $3.95 per million British thermal units (MMBtu) on January 10 to a high of $8.15/MMBtu on February 10, before falling back to $4.61/MMBtu on February 27, and then bouncing back up to $7.98/MMBtu on March 4.  EIA expects that the Henry Hub natural gas spot price, which averaged $3.73/MMBtu in 2013, will average $4.44/MMBtu in 2014 and $4.11/MMBtu in 2015.

Bottom Line:

 

Natural gas prices are going up for foreseeable future. Reserves are down, they have to be replenished. The summer forecast is casting a shadow. Should they be looking at a warming trend with hotter temperatures during the summer months that will also prevent gas prices from dropping; since 30% of electricity is generated with natural gas.

Advertisements

10:59 PM, Oct 20, 2012

USA TODAY – Autumn gasoline prices are about to drop faster than fall foliage.

With inventories rising and demand waning, gasoline prices could plunge 50 cents a gallon from October’s $3.86 peak average over the next few weeks, providing a lift for the economy and possibly becoming a factor in next month’s presidential election.

Gasoline, now averaging $3.69 a gallon, is expected to fall to $3.35 or lower by late November. In some regions, prices have already sunk below $3.

“Most of the country is heading appreciably lower the next few weeks,” says Tom Kloza of the Oil Price Information Service, who notes wholesale prices in some key markets have dropped from as high as $4.35 a gallon to $2.71. Pump prices typically lag big wholesale drops. But Kloza expects retail prices to sink five to 15 cents a gallon over each of the next three weeks.

The drop could provide a boost to consumer spending and influence next month’s presidential race, where gas prices have been a hot-button issue for much of the campaign. Several battleground states, including Ohio, Pennsylvania and Wisconsin, are enjoying big price drops.

“Certainly, lower gas prices are helpful in terms of consumer spending by increasing disposable income,” says Brian Bethune, chief economist at Alpha Economic Foresights. “And if prices come down at a rapid rate in the next three weeks, that would tend to help the incumbent. It may not be logical, but if people see problems with the high cost of food or gas, it’s the president who tends to get the blame.”

Gas prices have remained stubbornly high well past their traditional Memorial Day weekend peak, due largely to supply shortages and refinery woes on the West Coast and Midwest. But with oil inventories rising and production issues ebbing, prices have been easing the past week, a trend likely to accelerate. “This is very much gravity at work,” Kloza says. “The faster prices soar, the more prone they are to panic sell-offs.”

Kloza expects prices to bottom in the $3.30 range. Gasbuddy.com analyst Patrick DeHaan and energy analyst Brian Milne of Telvent DTN see a $3.35 bottom. Barring rising troubles in the Middle East or refinery issues in the U.S., prices could remain in that range through early 2013.

On Friday, gasbuddy.com was tracking some central Ohio stations selling gas for $2.97 a gallon. Gas prices remain stubbornly high in California — the nation’s priciest state averaging $4.51 a gallon — although some stations are charging more than $5. Energy experts expect prices to bottom in the $4 range. “California is not completely out of the woods yet regarding supplies, and their refineries haven’t been able to keep up,” Milne says.

By DARREN  SAMUELSOHN | 3/30/12 5:57 PM EDT

President Barack Obama isn’t the only candidate who has to worry about  gasoline price spikes.

Take a look at members of Congress and their challengers, who are going all  out to express concern about the plight of American motorists — often with  personal stories of their own sticker shock.

Illinois GOP Rep. Bobby Schilling took a page from that  playbook this month when he invited reporters to watch him fork over a C-note to fill up his Chevy Suburban  at a Phillips 66 U-Save Mart in Moline. So did Rep. Judy Biggert (R-Ill.), who  opened a recent weekly e-newsletter by bemoaning her last $58 pit stop.

Others are content just to empathize.

Hence, Republican Jason Plummer — running to replace retiring Rep. Jerry  Costello (D-Ill.) — visited ConocoPhillips’s Wood River refinery outside St.  Louis to slam EPA policies that he blamed for driving up fuel prices. New York  GOP Rep. Ann Marie Buerkle’s YouTube moment came when she gave explicit instructions on  what she wanted Energy Secretary Steven Chu to tell his administration  colleagues: “The American people are hurting. They need you to do something  now.”

Expect to hear a lot of the same until November.

“This train stretches from New York City to Los Angeles with how many people  have jumped on it,” said Patrick DeHaan, a senior petroleum analyst at  Gasbuddy.com., a fuel price tracking website. “Either you are for low gas prices  or you are going to get voted out of office. Everyone running is forced to talk  about it because the other party is.”

There’s good reason for all the gas pump bickering. A Gallup poll in March found that 65 percent of Americans  think Congress and the president can take actions to control gas prices, and  that 85 percent want “immediate actions to try to control the rising price of  gas.”

Blame is also easy to spread around. Senate Democrats tried to put  Republicans on the spot in March with a floor vote to repeal oil subsidies,  while House Republicans see rewards from a legislative agenda heavy on domestic  drilling and embarrassing the Obama administration on the Keystone XL  pipeline.

“I’m certain that with $4 gas, the American people will remember who listened  to them and who didn’t,” House Speaker John Boehner said in May before passing  one in a series of energy bills.

During last year’s price spikes, freshmen fanned out to meet with voters and  hear their complaints about fuel costs. Wisconsin GOP Rep. Reid Ribble’s visit to  an Appleton gas station made local TV newscasts, as did Republican Rep. Robert  Hurt’s stop with Virginia farmers, where he talked up offshore development and alternative energy.

The House websites for Ribble, Scott Rigell (R-Va.) and Indiana GOP Rep. Larry Bucshon all feature gas price surveys asking people to  vote on policy solutions.

Indicative of this year’s political stakes, Senate Republican candidates hoping  to help their party reclaim the majority are being much more aggressive than  their House counterparts with their attacks on Democrats.

Virginia Republicans, for example, have posted a video picking at the opening line of a response from  Democrat Tim Kaine at a town hall event when asked about gas price spikes. “I’ve  got to admit there’s some aspects about the gas price thing that makes me  scratch my head,” Kaine says in the clip — a comment his campaign says was taken  out of context.

Kaine’s likely opponent, former Republican Sen. George Allen,  is also up with a  website that allows visitors to type in the make and model of their car to  see how much more it costs to fill up their tank compared with when Obama came  into office.

California Sen. Dianne Feinstein’s long-shot Republican opponent Elizabeth  Emken features a “#FeinsteinOnEmpty” hashtag on her website. She  also questions Feinstein’s past praise for Chu, who said in 2008 — before  joining the Obama administration — that he supported Europe-style gas prices in  the United States.

Democrats are in on the action too.

Indiana Democrats are squeezing Sen. Richard Lugar with a Web ad slamming the Republican over his support for a gas tax hike of $1 or more.

Sen. Bill Nelson (D-Fla.) sent an email to voters in February talking up legislation he has  co-sponsored that would curb oil market speculators.

He also solicited voters’ ideas on “what else you think we could do to bring  down gas prices.”

Sen. Claire McCaskill’s website tries to bust what she lists as six myths about gas prices (No. 5: “Nothing can be done to  bring down the price of fuel”). The Missouri Democrat also promotes her call for  Obama to tap the Strategic Petroleum Reserve for the second time during his  term.

Democratic candidates for House seats are also going after Republican  incumbents’ campaign contributions from the oil and gas industry, pairing them  with votes against repealing the industry’s subsidies.

Nearly identical press releases came out in late February from New Hampshire  Democratic candidate Annie Kuster, who is challenging Republican Rep. Charlie  Bass; Nevada state Assembly Speaker John Oceguera in his race against Rep. Joe Heck; former New  York Rep. Dan Maffei in his rematch against Buerkle; and Manan Trivedi  in his second attempt to unseat Rep. Jim Gerlach (R-Pa.).

“High gas prices? You can thank Washington insiders influencing Washington  insiders,” Trivedi posted on Twitter, where he linked to a statement criticizing Gerlach for supporting oil and gas  subsidies while taking more than $132,000 in campaign contributions from the  industry.

Outside groups are also weighing in on the gas price debate.

Public Campaign, a group with ties to MoveOn.org and labor unions, sponsored  two weeks of cable  TV ads against Republican Rep. Scott Tipton in his Western Colorado  district, knocking him for taking more than $100,000 in campaign contributions  from the oil and gas industry and questioning his vote against repealing the  industry’s subsidies.

The American Petroleum Institute has already spent generously this cycle,  mostly to help Republicans, including House Energy and Commerce Chairman Fred  Upton (R-Mich.), Natural Resources Chairman Doc Hastings (R-Wash.), Science  Chairman Ralph Hall (R-Texas), Majority Whip Kevin McCarthy (R-Calif.) and  Boehner. The trade group also ran radio and print ads ahead of the Senate  subsidy debate in the Senate and presidential battleground states of Maine,  Massachusetts, Missouri, Nevada, North Carolina, Virginia and West Virginia.

Karl Rove’s American Crossroads is also going after vulnerable House and  Senate Democrats, including $1.5 million spent so far challenging McCaskill. The  attacks include a  website called “The Truth About Claire” that questions her commitment to  lowering gas prices.

The group’s spokesman Nate Hodson said the group “won’t be shy” when spending  tens of millions more this cycle to raise the gas price issue in congressional  races. “It’s what voters are paying attention to right now,” he said.

This article first appeared on POLITICO Pro at 5:41 p.m. on March 30,  2012.

Read more: http://www.politico.com/news/stories/0312/74690_Page2.html#ixzz1r6jsxV7S

As reported by Zach Carter for Huffington Post

WASHINGTON — Two economists at the St. Louis Federal Reserve have published findings that indicate that Wall Street speculation is responsible for 15 percent of the increase in oil prices over the past decade, a finding with significant implications for the recent sharp rise in gas prices.

While politicians have little ability to alter the price swings of commodities like oil, regulators have both the authority and policy tools to do so. The Commodity Futures Trading Commission is responsible for overseeing the financial market for oil. The 2010 Wall Street reform bill gave the CFTC new power to limit excessive speculation, but the rule will not go into effect until later this year.

According to St. Louis Fed economists Luciana Juvenal and Ivan Petrella, speculation in oil markets was the second-biggest factor behind the past decade’s price run-up, behind increased global demand for oil, which accounted for 40 percent of the increase.

“Speculation was the second-largest contributor to oil prices and accounted for about 15 percent of the rise,” the economists wrote. “The effect that speculation had on oil prices over this period coincides closely with the dramatic rise in commodity index trading — resulting in concerns voiced by policymakers.”

Commodity indexes allow speculators to bet on the price of several commodities at once, and have become very popular investment tools for both Wall Street investment companies and pension funds. Between 2004 and 2008, the total volume of trading activity in commodity indexes jumped from $13 billion to about $260 billion, according to research by Michael Masters, founder of Masters Capital Markets and the financial reform nonprofit Better Markets.

Masters and others have noted that speculation can exaggerate price swings otherwise dictated by fundamental supply-and-demand dynamics, and can also force prices to move contrary to supply-and-demand predictions. During 2008, when oil prices soared to their highest level on record, they did so during a period in which global demand was low and global supply was high — what should have been a recipe for lower prices.

The most recent Fed study concludes that economic fundamentals are still the primary determinant, saying only that speculation can “exacerbate” price swings.

“Global demand remained the primary driver of oil prices from 2000 to 2009,” Juvenal and Petrella wrote. “That said, one cannot completely dismiss a role for speculation in the run-up of oil prices of the past decade. Speculative demand can and did exacerbate the boom-bust cycle in commodity prices. Ultimately, however, fundamentals continue to account for the long-run trend in oil prices.”

Fuel prices are currently at the highest level on record for the month of March, a phenomenon upon which presidential candidates are seizing to attack President Barack Obama on the issue at campaign stops. The financial reform bill Obama signed into law in 2010 allowed the CFTC to write its new rule, designed to curb price movements influenced by excessive speculation. The rule limits the size of the bets that individual traders can make on any given commodity.

 

Hey Army,

I’ve told you this all along — our addiction to foreign oil could bring us to our knees, and there wouldn’t be a damn thing we could do about it. Now take a look at today’s headlines. OPEC just announced it’s cutting production by 2.2 million barrels. Remember – this is on top of the 2 million barrels in cuts they’ve already made since this summer! These guys are serious about getting the price of oil back up right where they like it: $75 a barrel, $100 a barrel, $150 a barrel.

This is exactly why now is the time to pull together and Push the Pickens Plan. Every time the price of oil drops, America falls asleep. The Saudis don’t. The Iranians don’t. The Venezuelans don’t. But we do.

President-elect Obama said it best a few weeks ago on 60 Minutes. “Oil prices go up, gas prices at the pump go up, everybody goes into a flurry of activity. And then the prices go back down and suddenly we act like it’s not important, and we start, you know, filling up our SUVs again. And, as a consequence, we never make any progress. It’s part of the addiction, all right. That has to be broken. Now is the time to break it.”

I couldn’t agree more. We’ve got to break that addiction now. Before it breaks us.

Click here to join your Pickens Plan District Group. Better yet, sign up to be the leader if there isn’t one already so you can help bring in 500 more members to the New Energy Army in your Congressional District before Inauguration Day. Those first 100 days are right around the corner, and the way OPEC is playing we’re going to have to move fast.

Boone

Our Perspective:

Let’s not take our eye off the ball. This happened once before in the early 70’s. I can remember being in college and we had to implement odd/even gas rationing. People were very vocal saying,:

” We got to do something!”!

“Never again”!

Well, almost 40 years have passed and we find ourselves saying the same thing.

This is our time to act.  The nation that takes the lead in the energy evolution will be on the cutting edge and will define our path to the future.  The world will be looking to this nation to partner in their efforts to attain their energy independence.

This is our time!

This is our time to lead!

Let us know your thoughts? Leave a comment or email george@hbsadvantage.com

 

As reported in Reuters:

 

JOHANNESBURG (Reuters) – Former Federal Reserve Chairman Alan Greenspan warned on Tuesday the U.S. economy was on the brink of a recession, with the chances of that happening at more than 50 percent.

 

The U.S. economy has been hit by a credit crisis, which began in the sub-prime mortgage market, prompting a series of interest rate cuts to help boost the economy. But price pressures are growing, making more rate cuts unlikely.

 

Asked if the U.S. economy was in recession, Greenspan said: “We are on the brink.”

A quick recovery was unlikely, he said via video link to a conference in Johannesburg. “A rebound at this stage is not something I think is in the immediate outlook,” he said.

“There are still very considerable structural problems remaining in the financial system. They will remain for a while. It’s going to be very difficult. There are a lot of unexpected adverse events out in front of us,” Greenspan said.

 

Greenspan said he did not believe arguments that the housing problems in the U.S. were due to interest rates being too low during his tenure. “As far as I’m concerned, the data do not support it (that argument). The housing bubble is clearly an international phenomenon.”

 

Our Perspective:

 

Pressure continues to grow in the business sector. Everyday you read a headline that another corporation is having massive layoffs. Fuel prices continue to rise, this leads to a rise in food prices. It becomes a spiraling effect. Our lack of commitment to address these issues in the past has come full circle.

 

What do we do?

 

Instant gratification has been the calling card but look where it has gotten us. We must focus on the long-term solutions that will increase the quality of life as we go forward.

 

Energy alternatives (solar, wind, geothermal), new ways to power our automobiles ( electric, water, I even heard of cooking grease). We must think outside the box to introduce new solutions that work and are a benefit to all. Just not a few.

 

Hutchinson Business Solutions, that is what we do. Introducing new ideas, creating opportunities that define a better tomorrow.

 

Let us know your thoughts? You can email george@hbsadvantage.com

 

Visit us on the web www.hutchinsonbusinesssolutions.com

 

As reported by Reuters:

 

(Reuters) – With crude oil prices surging to record highs above $130 a barrel, energy and environmental issues like global warming have moved to the forefront of the U.S. presidential campaign.

 

Here is what Republican John McCain and Democrat Barack Obama, who claimed his party’s nomination on Tuesday, are saying about energy and the environment:

 

CLIMATE CHANGE

 

Obama would cut carbon dioxide emissions to 80 percent below 1990 levels by 2050, reduce emissions to 1990 levels by 2020 and require fuel suppliers to cut carbon content by 10 percent by 2020.

 

McCain favors a cap-and-trade CO2 approach. He sponsored legislation in 2007 to cut emissions by 30 percent by 2050.

 

GASOLINE PRICES

 

Obama would probe energy industry activities and stop filling the emergency oil reserve.

 

McCain wants to suspend the federal gasoline tax during the peak summer driving season and suspend filling of the Strategic Petroleum Reserve, a stockpile designed to ensure the United States has a cushion of crude oil to cope with major supply disruptions.

 

(On May 19, President George W. Bush signed a law to temporarily halt shipments to the reserve, which now holds almost 703 million barrels at four underground storage sites, until crude prices drop below $75 a barrel.) 

 

OIL USE

 

Obama would reduce overall U.S. oil consumption by at least 35 percent, or 10 million barrels per day, by 2030 to offset imports from OPEC nations.

 

McCain has set no specific targets. He has said he will unveil a strategy to reduce reliance on foreign oil sources.

 

VEHICLE FUEL ECONOMY

 

Obama would double fuel economy standards in 18 years, give automakers tax credits to retool plants and invest in advanced lightweight materials and new engines

.

McCain has not specified Corporate Average Fuel Economy (CAFE) targets. He voted against energy amendments in 2003 that would have boosted CAFE to 40 mpg by 2015.

 

BIOFUELS

 

Obama would boost the renewable fuel standard to at least 60 billion gallons of advanced biofuels like cellulosic ethanol by 2030, build the ethanol distribution infrastructure, mandate that all new vehicles be “flexfuel” by the end of 2012 and seek production of 2 billion gallons of cellulosic ethanol from non-corn sources like switchgrass by 2013.

 

McCain favors ethanol incentives after opposing them in the past. He generally opposes subsidies and tariffs that distort the marketplace.

 

Our Perspective:

 

What are your feelings about the current energy issues?

 

Do you believe there is an issue or is this being fabricated by corporate greed?

 

You can probably find some truth on both sides of that statement.

 

In NJ, we are looking at a projected 1.5% increase in electric demand per year for the next 8-10 years. If something is not done to help the providers meet this demand we faces the possibility of rolling brownouts.

 

This oil crisis has been brewing for the last 35+ years. I remember being in college and we had  odd – even days gas rationing. At that time everyone was saying, never again.

 

Guess what? We were only paying about $.30 a gallon.

 

What happened?

 

Well here we are 35 years later and we are now paying $4.00 a gallon and the efficiencies of the auto have not increased.

 

What incentive does the auto manufacturers have when we were willing to buy SUV and Hummers?

 

The US government is even paying subsidies to the oil companies to help keep the price of gasoline lower than what other countries are now paying. That really worked!

 

What do we do now?

 

If we keep going with the business as usual mentality, we will be paying $12 – $15 per gallon in the next couple of years.

 

There is talk that we will probably be paying $5.00 a gallon by the end of the summer.

 

The subsidies must be taken away from the oil companies and they should be targeted to the auto manufactures. There is no reason why a car should not be getting 40 – 50 miles per gallon. There is also many alternative fuel / energy solutions available to wean ourselves off the oil fix and create true independence.

 

We have sent a man to the moon. We have found cures for many diseases that once haunted us. We must take the necessary steps to provide a long-term solution that will provide for our children a better tomorrow.

 

Let us know your thoughts. You may email george@hbsadvantage.com

 

Visit us on the web www.hutchinsonbusinesssolutions.com

 

Hutchinson Business Solutions

 

Creating Opportunities Today………Providing Savings for Tomorrow

Excerps as reported on Bloomberg.com

(Bloomberg) — U.S. personal spending slowed in April after record fuel costs, a slump in home values and a deteriorating job market eroded consumer confidence.

The 0.2 percent gain in spending followed a 0.4 percent increase in March, the Commerce Department said today in Washington. Incomes grew 0.2 percent, bolstered in part by the government’s tax rebates. Separate reports showed business activity dropped for a fourth month in May and consumer sentiment decreased to the lowest level since 1980.

Retailing stocks slumped after the figures reinforced forecasts for spending growth to slow this quarter to the weakest pace since 1991. J.Crew Group Inc., the casual-clothing retailer, reduced its earnings forecast late yesterday, citing a nationwide drop in the number of shoppers visiting its stores.

“Consumers are spending cautiously,” said Michael Moran, chief economist at Daiwa Securities America Inc. in New York, who correctly forecast the gain in spending. “The economy is in a grey area between recession and slow growth.”

Our Perspective:

Food, fuel, energy, homes and jobs! What else should we include to know that we are going thru a tough time.

Food, fuel and energy cost are increasing at record rates!

I saw on the news last night that natural gas prices are going up 20% in Phila. PA starting in June.

Electric prices in NJ are going up 14% starting in June.

Gas is breaking thru the $4.00 barrier and are projected to keep going up. I have heard reports of $5 -$7 gas by the end of the summer.

What do you think this will do to the already rising food prices?

I heard a report yesterday on NPR that consumers sales of Spam ( the noted mistery meat ) is on a rise. Spam was fed to soldiers in the field during WWII, now it is filling our refrigerators.

Is there a bright side?

Yes! This is America. We can make our voices heard and take steps to make sure in the future, proper steps are taken to insure stability. By ignoring the issues of the past we have created the problems of today. We have to stop putting bandaids on and take the necessary steps to provide long term solutions.

Hutchinson Business Solutions is dedicated to thinking “outside the box.” We work closely with our clients creating opportunities for savings while increasing efficiencies. Our solutions make sense today with our eyes focused toward the future.

Maybe it is time for our Government to introduce some ” Out of the Box ” solutions. Complacency has brought us to face the issues before us today.

Your comments are welcomed. You may email george@hbsadvantage.com  with any questions and to discuss the steps to take to increase profits for your company.

 

Excepts as reorted on CNBC:

Robert Hirsch, an energy advisor, says CNBC morning show prediction was a citation of the ‘Dean of Oil Analysts.’
Send this page to a friend! (click here)

     It may be the mother of all doom and gloom gas price predictions: $12 for a gallon of gas is “inevitable.”

 

     Robert Hirsch, Management Information Services Senior Energy Advisor, gave a dire warning about the potential future of gas prices on CNBC’s May 20 “Squawk Box”. He told host Becky Quick there was no single thing that would solve the problem, due to the enormity of the problem.

 

    

 

“[T]he prices that we’re paying at the pump today are, I think, going to be ‘the good old days,’ because others who watch this very closely forecast that we’re going to be hitting $12 and $15 per gallon,” Hirsch said. “And then, after that, when oil

world oil production goes into decline, we’re going to talk about rationing. In other words, not only are we going to be paying high prices and have considerable economic problems, but in addition to that, we’re not going to be able to get the fuel when we want it.”

 

 

Our Perspective:

We have continued to ignore the inevitable. Back in the 70’s, when they introduced odd even day gas rationing, we were only paying $.30 a gallon. We all were fuming saying never again. We got to do something about this!

We grew complacient and prices continued to rise over the next 30+ years. Now we are paying $4.00 a gallon. Now a statement is being made to expect $12- $15 a gallon!

What are we doing to rid ourselves of this dependency?

Are we driving smaller cars?

Are we investing in alternative fuel options?

I think it is time to start speaking out. Let’s look at the alternatives.

The future rest in our ability to think outside the box.

Let me know how you feel? You may email george@hbsadvantage.com

 

 

 

 

 

 

92% of Americans say

January 7, 2008

92% of Americans Polled say they are Happy?

Turn on the TV you are bombarded.

The presidential election has been going on for almost 2 years now. Each day we are given a new up to the minute poll to digest. Who’s in the lead? Who said what?

Information overload!!! Are we able to choose for ourselves or are we told who to vote for?

Gold hits a record high, Oil prices continue to climb, Gas has settled around $3.00.

Housing prices have dropped over 20%, Mortgage defaults are at a record high, It’s getting harder to get a mortgage:

Yet 92% of Americans polled said they are Happy!!!!!

What’s in the water???

Don’t ask!!

The great China trial is over….lead paint!

The Middle East continues to crumble….

The people in Dafur are starving.

Kenya is rioting.

Yet 92% of Americans polled said they are Happy!!!!!Did anyone ask you?I must admit I am Happy. But most of all I am thankful.

Thankful that everyday we are given the opportunity to choose.

It is still not a perfect world but we have learned to live with its brokenness and still be happy.

Have you had enough?

Want some good news for a change?

Hutchinson Business Solutions has a 90% success rate providing refunds and savings for our clients.

Give us a call.

We can make your day! 856-857-1230

Visit http://www.hutchinsonbusinesssolutions.com/ to learn more about saving opportunities available for your company.