Enough Already

February 17, 2014




We did it



Last week we hit


The record books




This has been the 3rd most snow


The Philadelphia region has received


Since they started keeping records


Back in 1884



That’s 130 years ago




We are now over 55 inches


And should break the 60 inch mark


This week




Reactions have been mixed



The kids love it..



Another day off from school






This means juggling


Their schedule


To take care of the kids….



Who are now home from school




Comments run the gamut…




I don’t need any more practice


Shoveling snow




Enough already




Where’s all the people yapping about….


Global Warming




Damn groundhog




Doesn’t anyone know how to drive in this stuff




I surrender




At least the Phillies started spring training





That takes us to a brighter note




You know spring


Is around the corner


When the Phillies



Start spring training




I can feel my bones starting to thaw already




Batter Up!!!!!!


October 25, 2010

It was a tough weekend.

First, the Phillies; expectations were high. We were supposed to win. 

Did anyone tell the Giants? Either someone forgot or they were not listening. I have been accused of that; it is called selective hearing. Most husbands have been accused of that. 

Either way the Boys of Summer loss their mojo and could not even come up with hits. Especially when runners were on the bases. Think of how the game ended. Runners on first and second; 2 outs; down by 1 run and Ryan Howard works up a 3-2 count. 

Now what were we all taught way back in little league? 

This goes back to basics! When you have a 3-2 count, you protect the plate. You swing at anything that could remotely be called a strike. You don’t look at a 3rd strike!

 After all the ups and downs thru the season, we end up feeling deflated.

 Wait till next year. Spring training starts in 103 days. This may be of little solace.

 What happened to this year? The season seems to have ended prematurely.

Well, we can always turn our attention to the Eagles. They have been on a roll, 4-2 going into Sunday’s game with Tennessee.


Seems like a good problem for Andy Reid to have? They have both elevated their game and are playing at a high level. Can they remain healthy?

The defense has been putting pressure on the quarterback, controlling the run and not allowing the other teams gain any momentum.

The receivers seem to be having a protective shield around them. Taking the ball downfield, sometimes almost scoring at will.

That was until yesterdays’ 4th quarter disaster against Tennessee. 27 points? Don’t you love when they start playing the prevent defense? A recipe for disaster, bend; don’t stretch. Who came up with that defense anyway?

For Philadelphia fans it was a weekend that took the wind out of our sails. It left all the diehard fans feeling deflated. The old kick in the gut never seems to feel good but we keep coming back.

There’s always next game, next week, next season.

Philly….don’t you just love it?

Now you may be thinking why is he talking about philly sports and how does the word deflated tie into HBS?

Good question.

Most of the time when you think of the word deflated it tends to have a negative connotation. However, for us, the word can be seen in a positive context.

When the utility market is deflated, that means the commodity (natural gas and electric) market prices are down, which translate into savings for you, the client.

How much has the natural gas price index dropped?

From its’ high of $14.34 a decatherm in July 2008, it has slowly dropped over 70% during the past 2 years. In October 2010, the index was $4.12 a decatherm.

Pretty amazing!

Where’s the bottom? Some analysts think we may have neared the bottom and prices will start inching up, especially now that winter is just ahead of us. However, should we see warmer winter temperatures prevail, we may see prices drop even further.

HBS has been advising our clients to take advantage of the downside.

You may choose to lock in on a price for a 1 or 2 year term, thereby protecting yourself from market fluctuations or you may choose to float the market index and take advantage of the current downside savings.

With falling natural gas prices, you will also see this will reflect in lower prices for the deregulated electric market prices.

Why you may ask?

Well, 30% of the electric in the US is generated by natural gas. So natural gas seems to be a natural indicator on electric prices. As natural gas prices go down, so do electric prices.

If you are a business spending a minimum of $5000 a month for either natural gas or electric, you should be looking at the savings being found in the deregulated market.

Since deregulation started in the late 1990’s, the local providers were told they could no longer be in the supply business. You may choose to get your natural gas or electric from a 3rd party provider or you may continue receiving your supply from the local provider at a default price which is normally higher than the deregulated market price.

Many of our clients find out they do qualify and are taking advantage of this deregulated opportunity.

If you like to know more, email george@hbsadvantage.com

We know that the economy has been tough on business. However, HBS has found a silver lining by bringing deregulated utility saving to our clients.

To find out if you qualify, all we need is a copy of you latest natural gas or electric bill from your local provider. We will also need a letter of authorization that will allow us to pull the annual usage for your account(s). With this information, we will be able to validate what you are currently paying and present what opportunity for savings may be available for you.

Now is the time to take deflated utility prices and let them work for you.

Let the savings fall to the bottom line!

You may find it brings a smile to your face.

A Lot of Singles

October 20, 2010

 The baseball playoffs are in full swing and already I’m feeling the angst. Somehow the Phillies can do that to you. They have proven that they are as capable of playing and beating any team in the league (on any given night).

It seems to be feast or famine. One night everyone is hitting and they score a ton of runs. The next night, H2O is throwing a great game and the Phillies will not put a run on the board.

We find ourselves sitting there, on the edge of our seat. Victorino singles; Utley gets hit by a pitch, Palanco walks and then here comes Howard. Just one swing of the bat and the momentum will change. Howard is more than capable of doing it, but will he?

Many of us are always looking for that one big play that will break the spell and open the floodgates. Put us back in the game.

Well, we may hit that homerun at times in a clutch situation but I have found that life is made up of a lot of singles.

Singles aren’t bad!! If you are going for singles, many times you may find you get an extra base hit. Go on, stretch it out and slide in there for a double.

It’s what keeps the juices flowing. Go ahead; mix it up a little.

If we are constantly swinging for the fence, we are more apt to find disappointment. Not to say we won’t put one over the fence eventually but you may also strike out a lot.

There has to be a balance in life.

Have you ever heard…It’s the little things mean a lot.

As in baseball, I have also found this to be true in our business.

HBS provides Smart Solutions for Smart Business.

Have we ever hit a homerun? Yes we have.

But what have we built our business on?


People like to deal with someone they know, feel comfortable with and trust to do the right thing.

It is these qualities that form the bond of friendship and can help grow any business.

It is the little things that mean a lot.

Let’s keep hitting those singles!!

Go Phils!!!