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	<title>Comments on: PECO Pays 6% Interest to Customers Who Agree to Hedge Energy Costs</title>
	<atom:link href="http://www.myliferoi.com/2009/06/peco-pays-6-interest-customers-agree-hedge-energy-costs/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.myliferoi.com/2009/06/peco-pays-6-interest-customers-agree-hedge-energy-costs/</link>
	<description>Rebalance before it's too late</description>
	<lastBuildDate>Thu, 09 Feb 2012 02:11:38 +0000</lastBuildDate>
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		<title>By: Rob Smeed</title>
		<link>http://www.myliferoi.com/2009/06/peco-pays-6-interest-customers-agree-hedge-energy-costs/#comment-54705</link>
		<dc:creator>Rob Smeed</dc:creator>
		<pubDate>Tue, 26 Jul 2011 13:44:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.myliferoi.com/2009/06/peco-pays-6-interest-to-customers-who-agree-to-hedge-their-energy-costs/#comment-54705</guid>
		<description>I&#039;m not a resident of Philadelphia but if I were then this is a great article, very informative. I&#039;m surprised that residents don&#039;t have more of a choice, only ONE utility company to choose from, how is that possible?</description>
		<content:encoded><![CDATA[<p>I&#8217;m not a resident of Philadelphia but if I were then this is a great article, very informative. I&#8217;m surprised that residents don&#8217;t have more of a choice, only ONE utility company to choose from, how is that possible?</p>
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		<title>By: MyLifeROI</title>
		<link>http://www.myliferoi.com/2009/06/peco-pays-6-interest-customers-agree-hedge-energy-costs/#comment-1036</link>
		<dc:creator>MyLifeROI</dc:creator>
		<pubDate>Wed, 01 Jul 2009 10:26:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.myliferoi.com/2009/06/peco-pays-6-interest-to-customers-who-agree-to-hedge-their-energy-costs/#comment-1036</guid>
		<description>@ObliviousInvestor, 

Definitely not a bad deal at all! For every 1000 kWh you use you enjoy a free $15? I&#039;ll take it :)

If you&#039;d like to email me about the tabbed sidebar, I&#039;ll talk about it with you! Mine is hard coded in, no plugin.</description>
		<content:encoded><![CDATA[<p>@ObliviousInvestor, </p>
<p>Definitely not a bad deal at all! For every 1000 kWh you use you enjoy a free $15? I&#8217;ll take it :)</p>
<p>If you&#8217;d like to email me about the tabbed sidebar, I&#8217;ll talk about it with you! Mine is hard coded in, no plugin.</p>
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	<item>
		<title>By: MyLifeROI</title>
		<link>http://www.myliferoi.com/2009/06/peco-pays-6-interest-customers-agree-hedge-energy-costs/#comment-1035</link>
		<dc:creator>MyLifeROI</dc:creator>
		<pubDate>Wed, 01 Jul 2009 10:24:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.myliferoi.com/2009/06/peco-pays-6-interest-to-customers-who-agree-to-hedge-their-energy-costs/#comment-1035</guid>
		<description>@kosmo @ The Casual Observer, 

Good question regarding bond ratings! I should ask a PECO PR person :)

And, very good point on the &quot;true&quot; 6%. I didn&#039;t even think about that, which is silly, because taxes are a huge part of the investment return! So that makes this 6% more like 7.1% at 15% capital gains! Good return, indeed :)</description>
		<content:encoded><![CDATA[<p>@kosmo @ The Casual Observer, </p>
<p>Good question regarding bond ratings! I should ask a PECO PR person :)</p>
<p>And, very good point on the &#8220;true&#8221; 6%. I didn&#8217;t even think about that, which is silly, because taxes are a huge part of the investment return! So that makes this 6% more like 7.1% at 15% capital gains! Good return, indeed :)</p>
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	<item>
		<title>By: MyLifeROI</title>
		<link>http://www.myliferoi.com/2009/06/peco-pays-6-interest-customers-agree-hedge-energy-costs/#comment-1034</link>
		<dc:creator>MyLifeROI</dc:creator>
		<pubDate>Wed, 01 Jul 2009 10:22:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.myliferoi.com/2009/06/peco-pays-6-interest-to-customers-who-agree-to-hedge-their-energy-costs/#comment-1034</guid>
		<description>@No Debt Plan, 

Yeah, perhaps they are counting on people forgetting.

I tend to lean towards the reason that they are motivated to do this to cut down on bad debts. They get your money up front and can do either capital investments in their infrastructure or put the money away and earn some interest on it. Meanwhile, they offset any bad debts they could incur because of increased prices in the next few years.

Maybe I am giving them too much credit? :)</description>
		<content:encoded><![CDATA[<p>@No Debt Plan, </p>
<p>Yeah, perhaps they are counting on people forgetting.</p>
<p>I tend to lean towards the reason that they are motivated to do this to cut down on bad debts. They get your money up front and can do either capital investments in their infrastructure or put the money away and earn some interest on it. Meanwhile, they offset any bad debts they could incur because of increased prices in the next few years.</p>
<p>Maybe I am giving them too much credit? :)</p>
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		<title>By: ObliviousInvestor</title>
		<link>http://www.myliferoi.com/2009/06/peco-pays-6-interest-customers-agree-hedge-energy-costs/#comment-1030</link>
		<dc:creator>ObliviousInvestor</dc:creator>
		<pubDate>Tue, 30 Jun 2009 18:35:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.myliferoi.com/2009/06/peco-pays-6-interest-to-customers-who-agree-to-hedge-their-energy-costs/#comment-1030</guid>
		<description>6% locked-in return, for a fairly short time period: Not a bad deal. :)

Totally off-topic question: I&#039;ve been looking around a bit for a plugin to create a tabbed sidebar widget. Unfortunately, all I&#039;ve found so far is one that apparently hasn&#039;t been updated to work with WP 2.8 yet.

What did you use to create yours?
.-= ObliviousInvestor&#180;s last blog ..&lt;a href=&quot;http://www.obliviousinvestor.com/2009/06/competing-for-attention/&quot; rel=&quot;nofollow&quot;&gt;Competing for Attention&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>6% locked-in return, for a fairly short time period: Not a bad deal. :)</p>
<p>Totally off-topic question: I&#8217;ve been looking around a bit for a plugin to create a tabbed sidebar widget. Unfortunately, all I&#8217;ve found so far is one that apparently hasn&#8217;t been updated to work with WP 2.8 yet.</p>
<p>What did you use to create yours?<br />
<span class="cluv"> ObliviousInvestor&#180;s last blog ..<a href="http://www.obliviousinvestor.com/2009/06/competing-for-attention/" rel="nofollow">Competing for Attention</a> <span class="heart_tip_box"><img class="heart_tip" alt="My ComLuv Profile" border="0" width="16" height="14" src="http://www.myliferoi.com/wp-content/plugins/commentluv/images/littleheart.gif"/></span></span></p>
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		<title>By: kosmo @ The Casual Observer</title>
		<link>http://www.myliferoi.com/2009/06/peco-pays-6-interest-customers-agree-hedge-energy-costs/#comment-1029</link>
		<dc:creator>kosmo @ The Casual Observer</dc:creator>
		<pubDate>Tue, 30 Jun 2009 13:34:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.myliferoi.com/2009/06/peco-pays-6-interest-to-customers-who-agree-to-hedge-their-energy-costs/#comment-1029</guid>
		<description>I wonder if it affects their bond ratings?  Maybe they&#039;re trying to avoid &quot;debt&quot; that could ding their bond rating (and affect the interest rate on future loans).

Depending on how the IRS construes this (probably as a discount on services, and not interest income), you will probably earn a &quot;true&quot; 6%, rather than the post-tax equivalent - even better.
.-= kosmo @ The Casual Observer&#180;s last blog ..&lt;a href=&quot;http://feedproxy.google.com/~r/TheCasualObserver/~3/QyCXGtE64G0/&quot; rel=&quot;nofollow&quot;&gt;Open and shut&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>I wonder if it affects their bond ratings?  Maybe they&#8217;re trying to avoid &#8220;debt&#8221; that could ding their bond rating (and affect the interest rate on future loans).</p>
<p>Depending on how the IRS construes this (probably as a discount on services, and not interest income), you will probably earn a &#8220;true&#8221; 6%, rather than the post-tax equivalent &#8211; even better.<br />
<span class="cluv"> kosmo @ The Casual Observer&#180;s last blog ..<a href="http://feedproxy.google.com/~r/TheCasualObserver/~3/QyCXGtE64G0/" rel="nofollow">Open and shut</a> <span class="heart_tip_box"><img class="heart_tip" alt="My ComLuv Profile" border="0" width="16" height="14" src="http://www.myliferoi.com/wp-content/plugins/commentluv/images/littleheart.gif"/></span></span></p>
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		<title>By: No Debt Plan</title>
		<link>http://www.myliferoi.com/2009/06/peco-pays-6-interest-customers-agree-hedge-energy-costs/#comment-1027</link>
		<dc:creator>No Debt Plan</dc:creator>
		<pubDate>Tue, 30 Jun 2009 11:54:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.myliferoi.com/2009/06/peco-pays-6-interest-to-customers-who-agree-to-hedge-their-energy-costs/#comment-1027</guid>
		<description>What an interesting concept by the utility. I was figuring they were hoping people would forget, move, etc. and not be able to take their money out, but if you can stop at any time...

I guess you could still forget if you moved and then you&#039;d be out of luck.
.-= No Debt Plan&#180;s last blog ..&lt;a href=&quot;http://www.nodebtplan.net/2009/06/29/frugal-carpet-care-using-a-steam-cleaner/&quot; rel=&quot;nofollow&quot;&gt;Frugal Carpet Care: Using a Steam Cleaner&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>What an interesting concept by the utility. I was figuring they were hoping people would forget, move, etc. and not be able to take their money out, but if you can stop at any time&#8230;</p>
<p>I guess you could still forget if you moved and then you&#8217;d be out of luck.<br />
<span class="cluv"> No Debt Plan&#180;s last blog ..<a href="http://www.nodebtplan.net/2009/06/29/frugal-carpet-care-using-a-steam-cleaner/" rel="nofollow">Frugal Carpet Care: Using a Steam Cleaner</a> <span class="heart_tip_box"><img class="heart_tip" alt="My ComLuv Profile" border="0" width="16" height="14" src="http://www.myliferoi.com/wp-content/plugins/commentluv/images/littleheart.gif"/></span></span></p>
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