
Route 219 project clears regulatory hurdle
The Federal Highway Administration has issued its final Environmental Impact Statement, enabling continued design work to proceed on a proposed six-mile four-lane route between Meyersdale and the Mason-Dixon Line.
Pennsylvania Department of Transportation officials previously selected the route – called 'E-Shift Modified' on preliminary documents from a list of several finalists. And Somerset County leaders have backed the plan as the most direct – and most cost-effective – path.
But plans for the path needed to complete a federal review before proceeding.
An executive summary uploaded this month to the U.S. Route 219 project's website cited the plan's limited impact to farmland, populated areas and wetlands, compared to other options. With just two new bridges planned, the route's construction will likely be $100 million cheaper.
As planned, the route will travel south of Meyersdale and veer several miles east of Salisbury Borough in Elk Lick Township before connecting to a yet-to-be-built nearly two mile link in Maryland to the Interstate 68 corridor.
The two-mile path is incorporated into the project as part of a joint effort between the states of Maryland and Pennsylvania.
The approval enables an extensive final design, right-of-way acquisitions and permitting to occur over the next several years, PennDOT officials said.
Those phases are fully funded.
But additional funding will need to be secured to complete the project's eventual construction, state and county officials have said. If all goes as planned, construction would start on the project in 2029 – and be completed in 2031.
David Hurst is a reporter for The Tribune-Democrat. Follow him on Twitter and Instagram @TDDavidHurst.
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Associated Press
15 hours ago
- Associated Press
Odyssey Math Tuition Unveils Innovative Secondary 1 Math Tuition E-Learning System in Singapore, Featuring Personalized AI-Driven Lessons, 24/7 Access, Interactive Worksheets, Proprietary Syllabus, and Progress Tracking for Academic Excellence
Odyssey Math Tuition introduces its new Secondary 1 Math Tuition E-Learning system, designed to build a strong foundation in algebra and secondary-level topics. With structured math tuition lessons, small math tuition class sizes, and free e-learning resources, students can master math from the start. Singapore, August 4, 2025 -- Odyssey Math Tuition, a leading provider of Singapore Math Tuition services, is proud to announce the launch of its innovative 24/7 E-Learning System, designed to revolutionize math education for students across all levels, with a particular focus on Secondary 1 math tuition. This state-of-the-art online math tuition platform combines advanced AI technology with a custom-designed curriculum to offer personalized learning experiences that cater to each student's unique needs, making math tuition in Singapore accessible and effective. Launching the 24/7 E-Learning System for Secondary 1 Math Tuition The transition from primary to secondary school mathematics can be challenging, as students encounter abstract concepts like algebra and geometry. Recognizing this, Odyssey Math Tuition has developed its 24/7 E-Learning System to provide secondary school math tuition that supports students in building a strong foundation. This system offers flexible, round-the-clock access to learning resources, ensuring that students can study at their convenience. By integrating cutting-edge technology, Odyssey Math Tuition aims to empower students to excel in their mathematical journey, particularly during the critical Secondary 1 phase. Features of the 24/7 Math Tuition E-Learning System The 24/7 E-Learning System is a comprehensive platform designed to enhance the learning experience for students seeking online math tuition. Key features include: This system is particularly beneficial for Secondary 1 students, who often need extra guidance to navigate the complexities of secondary-level mathematics. By offering tailored support, the platform ensures students build confidence and mastery in their studies. 'I built this curriculum not for exams, but for real understanding,' said Mr. Tan. 'I teach how I wished I was taught—clearly, simply, and with heart.' This philosophy drives the program's success, helping students of all abilities, from those struggling with math to those already excelling, to achieve their full potential. Comprehensive Math Tuition Services Across All Levels Odyssey Math Tuition is renowned for its wide range of math tuition programs, catering to students at various educational stages. Each program is designed to meet the specific needs of learners, ensuring they achieve their full potential: All enrolled students gain access to the 24/7 E-Learning System, which complements classroom learning with additional resources, including video lessons, topical mock papers, and crash courses. This integrated approach ensures that students receive consistent support across all levels of math tuition. Leadership by Expert Math Tutor Justin Tan At the helm of Odyssey Math Tuition is Mr. Justin Tan, founder and principal math tutor, with over 13 years of experience in math education. A graduate of the National University of Singapore with a distinction in Applied Mathematics and Economics, Mr. Tan has developed the proprietary Odyssey Math Tuition Math Curriculum, which prioritizes critical thinking and real understanding over rote memorization. His teaching philosophy, centered on making math accessible and enjoyable, has helped countless students achieve academic success. Mr. Tan's dedication to education and his innovative approach to curriculum design have made Odyssey Math Tuition a leader in the math tuition industry in Singapore. Empowering Students with Custom Math Tuition Curriculum and 24/7 Online Learning The launch of the 24/7 E-Learning System marks a significant milestone for Odyssey Math Tuition, blending traditional classroom teaching with modern technology to offer an unparalleled learning experience. The Odyssey Math Tuition Math Curriculum, meticulously crafted by Mr. Justin Tan, is tailored to meet the needs of students at all levels, from primary to junior college. This curriculum, combined with the flexibility of online math tuition, ensures that students receive personalized support to excel in their mathematical journeys. About the company: Odyssey Math Tuition Pte. Ltd. (ACRA UEN: 202514827H), established in 2013, is a premier math tuition agency in Singapore, led by founder and math tutor Mr. Justin Tan. Committed to delivering exceptional math education, Odyssey Math Tuition offers both physical tuition classes and is tailored to students' needs. Renowned for its passionate educators and innovative teaching methods, Odyssey Math Tuition continues to set a new standard for Math Tuition Singapore. Contact Info: Name: Odyssey Math Tuition Email: Send Email Organization: Odyssey Math Tuition Pte. Ltd. Address: Icon @ Changi B1-03, Singapore, 419741 Phone: +65 8574 8255 Website: Video URL: Release ID: 89166375 Should any problems, inaccuracies, or doubts arise from the content contained within this press release, we kindly request that you inform us immediately by contacting [email protected] (it is important to note that this email is the authorized channel for such matters, sending multiple emails to multiple addresses does not necessarily help expedite your request). Our dedicated team will promptly address your concerns within 8 hours, taking necessary steps to rectify identified issues or assist with the removal process. Providing accurate and dependable information is at the core of our commitment to our readers.


Business Wire
17 hours ago
- Business Wire
Metropolitan Commercial Bank Appoints Ali Abedini as its first Chief Artificial Intelligence Officer
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'We recognize the critical importance of growing our team to lead the development and implementation of cutting-edge technologies to better serve our clients,' said Mark R. DeFazio, Founder, President and CEO at Metropolitan Commercial Bank. 'Mr. Abedini's background and experience will be instrumental in achieving our strategic growth.' Prior to joining MCB, Ali Abedini served as Executive Head of Advanced Analytics & AI at TD Bank. Throughout his career, he has spearheaded AI and data-driven initiatives, with a strong focus on personalization and intelligent automation to drive business outcomes. 'I'm honored to join Metropolitan Commercial Bank as its first Chief AI Officer at such a pivotal moment. This organization has developed a well-thought-out growth plan that will benefit from integrating AI into its systems,' commented Ali Abedini, Chief Artificial Intelligence Officer. 'I'm also excited to work directly with Mark DeFazio, a founder-CEO who brings a rare combination of entrepreneurial mindset and institutional leadership.' In addition to elevating Metropolitan Commercial Bank's client experience, the Chief Artificial Intelligence Officer role is strategically designed to strengthen the Bank's capacity to deliver tailored banking solutions to both clients and partners. About Metropolitan Commercial Bank Metropolitan Commercial Bank (the 'Bank') is a New York City based full-service commercial bank. The Bank provides a broad range of business, commercial and personal banking products and services to individuals, small businesses, private and public middle-market and corporate enterprises and institutions, municipalities and local government entities. Metropolitan Commercial Bank provides specialized banking services for the EB-5 and E-2 communities. The Bank combines deep industry expertise with tailored financial products to ensure a smooth, secure and efficient journey from initial investment to project completion. Metropolitan Commercial Bank was named one of Newsweek's Best Regional Banks in 2024 and 2025. The Bank was ranked by Independent Community Bankers of America among the top ten successful loan producers for 2024 by loan category and asset size for commercial banks with more than $1 billion in assets. Kroll affirmed a BBB+ (investment grade) deposit rating on January 29, 2025. For the fourth time, MCB has earned a place in the Piper Sandler Bank Sm-All Stars Class of 2024. Metropolitan Commercial Bank operates banking centers and private client offices in Manhattan and Boro Park, Brooklyn in New York City, and Great Neck on Long Island in New York State. The Bank is a New York State chartered commercial bank, a member of the Federal Reserve System and the Federal Deposit Insurance Corporation, and an equal housing lender. The parent company of Metropolitan Commercial Bank is Metropolitan Bank Holding Corp. (NYSE: MCB) (the 'Company'). To learn more about the Bank visit: Forward-Looking Statement Disclaimer This release contains 'forward-looking statements' within the meaning of the Private Securities Litigation Reform Act of 1995. Examples of forward-looking statements include but are not limited to the Company's future financial condition and capital ratios, results of operations and the Company's outlook, business, share repurchases under the program, and dividend payments. Forward-looking statements are not historical facts. Such statements may be identified by the use of such words as 'may,' 'believe,' 'expect,' 'anticipate,' 'plan,' 'continue' or similar terminology. These statements relate to future events or our future financial performance and involve risks and uncertainties that are difficult to predict and are generally beyond our control and may cause our actual results, levels of activity, performance or achievements to differ materially from those expressed or implied by these forward-looking statements. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we caution you not to place undue reliance on these forward-looking statements. Factors which may cause our forward-looking statements to be materially inaccurate include, but are not limited to the following: the interest rate policies of the Federal Reserve and other regulatory bodies; an unexpected deterioration in the performance of our loan or securities portfolios; changes in liquidity, including the size and composition of our deposit portfolio and the percentage of uninsured deposits in the portfolio; unexpected increases in our expenses; different than anticipated growth and our ability to manage our growth; global pandemics, or localized epidemics, could adversely affect the Company's financial condition and results of operations; potential recessionary conditions, including the related effects on our borrowers and on our financial condition and results of operations; an unanticipated loss of key personnel or existing clients, or an inability to attract key employees; increases in competitive pressures among financial institutions or from non-financial institutions which may result in unanticipated changes in our loan or deposit rates; unanticipated increases in FDIC insurance premiums or future assessments; legislative, tax or regulatory changes or actions, which may adversely affect the Company's business; impacts related to or resulting from regional and community bank failures and stresses to regional banks; changes in deposit flows, funding sources or loan demand, which may adversely affect the Company's business; changes in accounting principles, policies or guidelines may cause the Company's financial condition or results of operation to be reported or perceived differently; general economic conditions, including unemployment rates, either nationally or locally in some or all of the areas in which the Company does business, or conditions in the securities markets or the banking industry being less favorable than currently anticipated; inflation, which may lead to higher operating costs; declines in real estate values in the Company's market area, which may adversely affect our loan production; an unexpected adverse financial, regulatory, legal or bankruptcy event experienced by our non-bank financial service clients; system failures or cybersecurity breaches of our information technology infrastructure and/or confidential information or those of the Company's third-party service providers or those of our non-bank financial service clients for which we provide global payments infrastructure; emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action, damage our reputation or otherwise materially harm our business or clients; failure to maintain current technologies or technological changes that may be more difficult or expensive to implement than anticipated, and failure to successfully implement future information technology enhancements; the costs, including the possible incurrence of fines, penalties, or other negative effects (including reputational harm) of any adverse judicial, administrative, or arbitral rulings or proceedings, regulatory enforcement actions, or other legal actions to which we or any of our subsidiaries are a party, and which may adversely affect our results; the current or anticipated impact of military conflict, terrorism or other geopolitical events; the successful implementation or consummation of new business initiatives, which may be more difficult or expensive than anticipated; the timely and efficient development of new products and services offered by the Company or its strategic partners, as well as risks (including reputational and litigation) attendant thereto, and the perceived overall value and acceptance of these products and services by clients; changes in consumer spending, borrowing or savings habits; the risks associated with adverse changes to credit quality; an unexpected failure to successfully manage our credit risk and the sufficiency of our allowance for credit losses; credit and other risks from borrower and depositor concentrations (e.g., by geographic area and by industry); difficulties associated with achieving or predicting expected future financial results; and the potential impact on the Company's operations and clients resulting from natural or man-made disasters, wars, acts of terrorism, cyberattacks and pandemics, as well as those discussed under the heading 'Risk Factors' in our Annual Report on Form 10-K and Quarterly Reports on Form 10-Q which have been filed with the Securities and Exchange Commission under the Securities Exchange Act of 1934, as amended. 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San Francisco Chronicle
2 days ago
- San Francisco Chronicle
Why is my bill so high? And other frequently asked questions about PG&E bills
Nobody likes getting a bill. For Northern Californians, the monthly Pacific Gas and Electric Co. statement can be a particular source of frustration. A reader named Lisa from Oakland wrote to me with a plea: 'I am hoping that you might provide an explanation of our PG&E bills. I am a savvy consumer and it still boggles me when I try to figure it out!' She's far from the only one among the utility's 5.5 million electricity customers and 4.5 million natural gas customers dissatisfied with the PG&E billing experience: It ranked dead last in customer satisfaction among U.S. utility companies, according to the 2025 American Customer Satisfaction Index. (Still, the report notes that PG&E's score has improved from what it was in 2020 through 2023.) PG&E's residential rates are more than twice the national average, and have increased by an average of 12.5% annually for the past six years. From January 2015 to April 2025, residential rates have increased by 104%. So despite the state's mild climate, which requires less heating and air conditioning, Californians have the 13th-highest electric bills in the country, according to a 2023 CNET analysis of U.S. Energy Information Administration data. The Chronicle solicited questions from readers and from around the newsroom to try and find answers to people's most commonly asked questions about their PG&E bills. Here's what we learned. Frequently asked questions Why is my bill so high? This is by far the most frequently asked question about PG&E bills. Customers complain about being surprised by a high bill, even though they don't think they did anything differently that month to explain it. Jennifer Robison, a spokesperson for PG&E, said weather can be a major contributor. 'The biggest reason this happens is seasonal fluctuations and temperature,' she said. 'If you keep your thermostat at 70 degrees all the time, but then it gets much hotter or cooler outside, you're going to use your heat or your air conditioning more frequently, and your bill will go up even though you aren't doing anything differently.' Another reason, she said, could be a malfunctioning appliance suddenly sucking up more energy than usual. Lee Trotman, the communications director for The Utility Reform Network, pointed to a different explanation. 'The reason your bill is so high is because of the constant rate increases,' he said. There have been numerous rate increases in recent years, he said, including six in 2024, one this past January, and another in March. The California Public Utilities Commission said in its most recent quarterly rate report that residential rates rose by 104% between January 2015 and April 2025. The combined monthly electricity and gas bill for the typical household nearly doubled from $154.52 in January 2016 to $294 in January 2024, according to data from PG&E, and the utility estimated that the average residential electric bill would rise to $224.64 after March's rate increase. PG&E customers pay an average rate of 38.6 cents per kilowatt-hour, according to the CPUC report — the highest rate in the continental U.S. There isn't much you can do about the rate increases. But there are likely some ways you could make your home and habits more energy-efficient. PG&E offers a Home Energy Checkup quiz on its site that can help you identify what's using the most energy. You can do the online Home Energy Checkup at this link. PG&E customers with electric smart meters are also eligible for a free in-home analysis from a company called Home Intel. The analyses are available to both owners and renters. One San Francisco family was able to slash its annual energy costs from $4,000 to $2,600 after completing the analyst's recommendations, including getting rid of space heaters, turning down the temperature on the water heater, adding insulation, and running major appliances when power costs are cheaper. Home Intel says on its site that the average customer saves $350 annually after following its analysts' recommendations, and many save three to four times that much. Sign up for your analysis by visiting There's also a device called the 'Kill A Watt EZ Meter' that you put over your outlet and plug your device into to see exactly how much power it uses. Your local library may have one available to borrow, Robison said. You can also buy them online for around $30. Show answer + When PG&E tells me I'm using more energy than 'the average house of my size,' how accurate and detailed is that metric? What you're getting in the mail or electronically is part of the Home Energy Reports program, which PG&E randomly chooses customers to participate in. 'We offer neighborhood comparisons to help our customers understand how they use energy in relation to other households near them with similar circumstances,' said Robison. She said PG&E compares your home with 100 nearby homes that are occupied and similar in type (multifamily versus single-family) and size. But it's not granular enough to differentiate for things like solar panels or EV chargers, Robison said. So it's not one other specific house you're being compared to – it's an average across 100 other houses. If, for instance, half those houses happen to have solar panels and you don't, you're going to see that reflected in your comparison. (In a follow-up email, PG&E representative Adrienne Moore gave conflicting information: She said that standard, solar and EV customers receive different reports. 'Our standard home energy report does not include solar and EV customers in the population,' she said.) If you log into your PG&E account, click 'Electricity' and then navigate to 'Similar Homes' to see which homes yours is being compared to. It will tell you how far away the comparison homes are, the square footage, heating type (gas or electric), building type and ballpark number of bedrooms. You can learn more about the program and how to opt out of receiving the printed or emailed reports at this link. One Reddit user called it he's one of the people throwing off your average. Show answer + I get 'forecast alerts' that can be hundreds of dollars higher or lower than what my bill ends up being. Why is that? Forecast alerts gauge your usage so far for the current billing cycle and let you know when you're on track to spend more than a preset threshold. The idea is to give you a heads up so you can pivot your energy usage and not get slammed with a massive bill. You set that threshold for those alerts, said Robison of PG&E, and you can change them if they aren't helpful. You only receive them when you're on track to exceed your limit; if you're on budget for that month, you won't get a notification. 'The point is to help our customers budget for the next bill, but also to give them enough time in their billing cycle so that they can change their use pattern (and) use less (energy) to avoid a higher bill,' she said. She said it's hard to know exactly what's going on with the forecasts you're getting without looking at your specific bill. Some possibilities: You might have been temporarily using more power than normal for a one-off reason — keeping the pool and hot tub cranked up while guests were in town, blasting the AC during a heat wave or running the heat in a cold snap, or using your washer and dryer around the clock when you deep-cleaned your closet. The forecast alert assumes you'll keep using power at that rate for the rest of the month, which could result in an inaccurate guess. If you use a lot of power at the start of the month, prompting an alert, and then use even more throughout the month (for instance, if a heat wave gets more intense), your bill could end up even higher than what the forecast predicted. Here's how to change or turn off forecast alerts: Go to 'Account settings' on the My Account dashboard. Under 'Alert preferences' click 'Set up alerts' Under 'Communication Preferences' click 'Energy use' Turn on the 'Bill forecast alert' notifications (or turn it off if you don't want them), and under 'Alert me when my bill is forecast to be higher than this amount,' enter your preferred threshold. Show answer + What's the best way to gauge my power usage over time? Because of the rate increases, it's tough to measure your power usage over different time periods by the dollar amount on your bill. Instead, go to your online PG&E account, navigate to 'Usage and Rates' and choose the 'Energy Usage Details' option. You can compare bills by year, month and even by day, and download the data as a spreadsheet. Hover over the bar charts to see more detailed information on energy use, cost and weather impacts. Your monthly bill shows electric usage in kilowatt-hours during the month — look for a chart labeled 'Electric Usage This Billing Period.' It also shows daily average usage for that month, the previous month and the same month a year earlier. Show answer + What are my options if I can't afford my bill? If you are struggling to pay your PG&E bills, you're not alone: 1 in 5 customers was in arrears, or behind on payments, as of April 2025, according to a report from the California Public Utilities Commission. The average owed amount was $710. Robison of PG&E said if you can't pay your bill on time, the first thing you should do is reach out to the company about setting up a payment program. PG&E can help you set up a plan to make incremental payments over time instead of all at once. PG&E has a 'Savings Finder' questionnaire that takes about three minutes and can help you figure out what programs you may be eligible for. Take the questionnaire at this link. If you feel like you're being billed incorrectly, you can file a complaint with the CPUC at this link. There are several programs that let eligible customers get a permanent discount on their PG&E bill. California Alternate Rates for Energy: For PG&E customers, CARE offers a 30% to 35% discount on electric bills and a 20% discount on natural gas bills. Eligibility is based on either gross household income or enrollment in certain public assistance gross household income must be below a certain amount ($42,300 or less for households of 1 or 2 people; $53,300 for a household of 3; $64,300 for 4 — see the full table here) to qualify under that metric. People who participate in programs including WIC, CalFresh/SNAP, Medicaid/Medi-Cal, and Supplemental Security Income (SSI) are also eligible. Learn more and find out if you qualify at this link. Family Electric Rate Assistance Program: FERA gives income-qualified customers an 18% discount on their bills. Eligibility is based on gross annual household income and household size. Eligibility for households of 1 to 2 people is a gross income between $42,301 and $52,875; $53,301 to $66,625 for a household of 3, and $64,301 to $80,375 for a household of 4, with higher limits for larger households — see the full list at this and CARE share one application, so if you file it you'll find out whether you qualify for either program. Click this link to fill out the application online. Medical Baseline Program: If you or another full-time resident in your home relies on energy for a medical need — for instance, if you use a respirator, oxygen generator, powered wheelchair or other electricity-powered mobility device, dialysis machine, apnea monitor or hospital bed, or depend on heating or cooling for conditions like multiple sclerosis or scleroderma — you are eligible to receive an extra monthly allotment of energy at the lowest price on your rate program in addition to your regular baseline allowance. In other words, you can get cheaper energy — roughly 500 kilowatt hours (kWH) of electricity and/or 25 therms of gas per is based on medical need, not income. Your doctor must complete a form for your application. See more qualifying devices and conditions and learn how to apply at this link. There are also programs for debt forgiveness and for one-time help with paying utility bills. Relief for Energy Assistance through Community Help: If you're low-income and you've received a notice threatening to disconnect your PG&E service for nonpayment, REACH offers up to $300 in credit toward your past-due bill. Income eligibility requirements are the same as the CARE program. Apply for assistance through the Dollar Energy Fund at this link. Match My Payment: If you have at least $100 in PG&E bills past due and make up to 400% of the federal poverty limit (up to $84,600 for a household of 1-2 people), you may be eligible for a program where PG&E matches up to $1,000 in payment toward those bills. Customers who are enrolled in payment plans are eligible for this matching program. See income limits and apply for the match program at this link. Low Income Home Energy Assistance Plan: LIHEAP is a federally funded program that provides one-time assistance for low-income households to pay energy bills, as well as weatherization services to make your home more energy 866-675-6623 or visit this link to learn more about LIHEAP eligibility and what aid is available. Arrearage Management Plan: If you are enrolled in CARE or FERA and are still very behind on PG&E bills (more than 90 days past due and more than $500 owed for gas and electric service), you may be eligible for AMP, a program that forgives up to $8,000 in debt after a year of on-time payments. Learn more about the program at this link, or call 877-660-6789 to apply by phone. Show answer + Why do I see multiple rates changes in one billing cycle? You might be looking at a bill during a period where a rate change went into effect. The California Public Utilities Commission approved six PG&E rate increases just in 2024, and two more so far this year. But if you're seeing multiple changes to the rate you pay, you might be looking at a bill with time-of-use pricing. See the next answer for more information on what that means, how to figure out if it benefits you, and how to opt out of it if it doesn't. Show answer + What is 'time of use' pricing, and can I opt out of it? 'Time of use' pricing basically means you pay more to use power when lots of other people are using it — and less at times of lower demand. The idea is to encourage customers to use less energy on things like air conditioning, electric car charging and running appliances like a dishwasher or clothes dryer at peak times so the power grid doesn't get overloaded. That peak time is late afternoon and early evening, when people are getting home from work and school. So taking advantage of TOU pricing might mean adjusting your habits and waiting to turn on the dishwasher or start charging your car until later in the day. Within TOU pricing, there are three tiers: One that charges a higher price between 4 and 9 p.m. every day of the week (E-TOU-C); one that charges more from 5 to 8 p.m. on weekdays (E-TOU-D); and one that charges a higher rate between 4 and 9 p.m. on weekdays (E-TOU-B). Log into your PG&E account and visit this link to see the rate analysis tool that can help you pick the plan that will save you the most money. You do have the option to opt out of TOU, or to switch between TOU plans to pick the one that best fits your energy usage. You can go online to your PG&E account and click 'Manage Your Rate Plan,' or call PG&E at (877) 660-6789 to ask to switch. Show answer + How does Net Energy Metering work? Net Energy Metering is a program for rooftop solar customers. Basically, PG&E tracks how much energy you use for your property and how much you generate with your solar panels. The difference every month is the 'net energy.' If you produce more than you use and send some back to the grid, you're eligible to be compensated for it through the Net Surplus Compensation program. PG&E compensates NEM customers once per year for the excess energy they've sent back to the grid in what it calls the 'true-up' payment. Every month that you send power back to the grid, you accrue 'net surplus compensation credits.' If there's a month where you use more electricity than your panels generate, you can have those credits applied to your bill instead of paying for excess power from PG&E. Once every 12 months (the specific month varies based on when your service started), PG&E determines how much power you sent back to or used from the grid, and you'll either receive a payment for the energy you generated or owe money for the energy you used. The NEM program has changed significantly since it was first implemented — it's less of a good deal for solar customers than it used to be. In what was known as 'NEM 1.0,' customers were paid market rates for the energy they exported back to the grid. As of 2023, we're in NEM 3.0, and customers only get paid the 'avoided cost value' for PG&E, as calculated by the California Public Utilities Commission. Solar customers used to earn about 30 cents per kilowatt-hour sent back to the grid; customers who enrolled in NEM after the beginning of 3.0 will earn an average of about 4 cents per kilowatt-hour, according to PG&E. Show answer + Some of my energy comes from a non-PG&E company. Does that make my bill higher or lower? You might see charges on your bill for something like Sonoma Clean Power, Pioneer Community Energy or CleanPowerSF. These are community choice aggregators, which allow cities and counties to purchase or generate electricity for residents and businesses. PG&E partners with these CCAs to deliver the electricity and do meter reading, billing and outage response services. Whether it's cheaper or more expensive depends on which CCA it is. If you're a CCA customer, you receive an annual mandated notice of the rates. The California Public Utilities Commission lists rates for all California CCAs online at You can enter your city, county or ZIP code and hit 'search' to see what you'll pay for each type of plan. For instance, the CPUC's rate chart says the average PG&E base plan customer in Sonoma pays an average of 42 cents per kilowatt-hour, or $176 monthly for electricity; a Sonoma Clean Power — Clean Start customer pays an average of 40 cents per kWh, or $171 per month. Show answer + How accurate are automated meters that aren't verified in person? When you were growing up, your house probably had an analog meter that needed to be read in person. Today, according to the U.S. Energy Information Administration, about 3 in 4 American homes have advanced metering infrastructure — so-called 'smart meters,' which automatically transmit real-time data to your utility company. Smart meters have a lot of advantages over the old-school kind: You can see how much energy you're using every day with breakdowns by the hour. Smart meters can alert your utility right away if your power goes out. And no one has to come into your yard to read them. The California Public Utilities Commission says smart meters 'give consumers greater control over their energy use' by allowing people to see how much energy they're using at a given time and decreasing that usage if they want to or are able to. Any piece of electrical equipment can malfunction, but in general, smart meters are accurate. They have to comply with accuracy standards set by the American National Standards Institute. They do need to be replaced when their batteries start to wear out: In 2023, PG&E said it was in the process of replacing 3 million of those meters — but some customers reported sky-high bills based on estimates in the meantime. In 2010, the California Public Utilities Commission had an independent side-by-side analysis of smart and analog meters conducted. It showed the smart meters were accurate. Jennifer Robison, a spokesperson for PG&E, said you can trust what you see from your smart meter. 'Our smart meters are accurate,' she wrote in a statement. 'We randomly test meter accuracy based on state regulations. Our meters also provide real-time alerts whenever there are potential issues, and we promptly investigate if they stop communicating with our Operations Center. This allows us to quickly address potential metering issues. If we find a meter is inaccurate, we will replace the meter and apply billing corrections for the customer.' If you don't believe what you're seeing, PG&E has two ways for you to verify it, Robison said: 'For customers who request a meter accuracy test, we offer to test the electric meter on-site or invite them to come see a test at our meter plant.' Lee Trotman, communications director for The Utility Reform Network, suggested a reason people felt like their bills shot up with smart meters: Their analog meter was wrong. The accuracy of analog meters degrades over time as the equipment wears out. People might have been getting billed for less power than they were actually using. He said he'd heard from a condo owner in Redondo Beach whose monthly electrical bill had been $1.95 a month — definitely not right. 'Thousands of customers had these super-low bills' before the smart meter rollout, he said. Once the more accurate smart meter was installed, their bills increased accordingly. Show answer + Why do I sometimes get a bill for $0? This is a tough one to answer without looking at your bill, said Jennifer Robison, a PG&E spokesperson. But the most likely answer is that you got the state climate credit. Every April, there's one for natural gas users; the electric one goes out for October bills. Last year's PG&E customer climate credit for electric power was $55. If the dollar amount of your total service was less than that, you would have gotten a bill for $0. Another possibility: If you're a rooftop solar customer, you might have generated enough power on your own that you didn't need to draw any from the grid. That means you won't pay anything. Show answer + Understanding your bill Example 1: Electricity and gas from PG&E Here's a PG&E bill for a home in San Francisco. This customer gets both electricity and gas through PG&E. They're on time-of-use pricing for electricity, which comes from community choice aggregator CleanPowerSF. The background shows: Graphic shows an excerpt from a PG&E bill for a home in San Francisco. Monthly Billing History This customer gets both gas and electricity from PG&E. This chart shows how much of each they've used per month over the past year. The background shows: Graphic shows the 'Monthly Billing History' section in a PG&E bill. California Climate Credit California energy customers, including PG&E customers, receive California climate credits on their bill every April and October. Here's where this customer received theirs for their electric bill. The background shows: Graphic shows the 'California Climate Credit' section in a PG&E bill. Electric Usage This Period This customer is on Time-of-Use pricing, which charges more for electricity during the late afternoon and early evening. This chart shows how much electricity they used every day this month during those 'peak' hours (4 p.m. to 8 p.m. on this plan) and 'off-peak' hours. Minimizing your energy usage during peak hours can help reduce your monthly bills. The dotted line shows the average they used over the course of the month, which can help them pinpoint on which days they used more than normal. The background shows: Graphic shows the 'Electric Usage This Period' section in a PG&E bill. CleanPowerSF Electric Generation Charges This customer uses a community choice aggregator, or CCA, to purchase and generate electricity every month. CCAs partner with PG&E, which handles delivering the energy and managing billing, meter reading and outage response services. So you pay the CCA for the electricity itself and then pay PG&E to deliver it to you. You can see how much your CCA charges compared with PG&E at The background shows: Graphic shows the 'CleanPowerSF Electric Generation Charges' section in a PG&E bill. Your Electric Charges Breakdown This breaks down the total amount of your monthly bill into where each dollar is going. The background shows: Graphic shows the 'Your Electric Charges Breakdown' section in a PG&E bill. Example 2: One customer, two residences This homeowner has two separate residences on one PG&E bill. One home has solar panels and the other doesn't. The background shows: Graphic shows a PG&E bill for a customer with two residences in San Francisco. Your Net Energy Metering Account Summary This customer is on Net Energy Metering, which means they have rooftop solar panels. The electricity you generate with your panels first offsets the energy you use for that month. If you don't generate enough electricity with your panels to offset your usage for the month, you'll pay for additional power. Payment is made or due once per year in what PG&E calls the 'true-up' payment. For this customer, that happens in February. This customer generates more power than they use, so they're on track to owe $0 at the next true-up time. The background shows: Graphic shows 'Your Net Energy Metering Account Summary' on a PG&E bill. YTD NEM charges before taxes If you generate more energy than you use in one month, but use more than you generate the next month, your previous NEM credits are applied to your bill. That's why the 'true-up' only occurs once per year — it lets your credits roll over so you can use them. This person has accrued $220.58 in net surplus compensation credits for the power they've sent back to the grid so far since the last true-up. That amount, minus applicable state and local taxes, will be issued to them at the same time next February if they don't use those credits for excess electrical needs before then. By default, those payments are provided as bill credits, though customers can opt to receive their NEM payment as a check instead. The background shows: Graphic shows 'YTD NEM charges before taxes' on a PG&E bill. Current PG&E Electric Monthly Charges This is a mandatory fee solar customers pay PG&E every month to be connected to the grid. The background shows: Graphic shows the 'Current PG&E Electric Monthly Charges' section of a PG&E bill. Summary of Your Energy Related Services Here are separate line items for the two residences' electricity use. The background shows: Graphic shows the 'Summary of Your Energy Related Services' section of a PG&E bill. This property used 317 kWh of power, generated by CCA Ava Community Energy and delivered by PG&E. The background shows: Graphic shows the part of a PG&E bill reporting how much power used was generated by CCA Ava Community Energy. At this property, solar panels generated 537 kWh of electricity. The customer only paid the fee to be connected to the grid, plus their natural gas bill. The background shows: Graphic shows how a PG&E bill reports fees to be connected to the grid plus a natural-gas bill. Summary of NEM charges 'Net Usage' shows the difference between energy produced and energy used each month. All these negative charges mean this customer's solar panels are consistently producing more electricity than they're using. The background shows: Graphic shows the 'Summary of NEM charges' section of a PG&E bill. Credited to (Debited from) NEM Balance This shows how much the excess electricity generated by the customer's solar panels earned. This customer generated electricity worth $62.95 in addition to offsetting all the power they used in their house this month. The background shows: Graphic shows the 'Credited to (Debited from) NEM Balance' section of a PG&E bill. The Chronicle's most popular stories and best reads of the moment. Sign up This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service By subscribing, you agree to our Terms of Use and acknowledge that your information will be used as described in our Privacy Notice. Credits Reporting by Jessica Roy. Graphics by Todd Trumbull. Editing by Anna Buchmann and Kate Galbraith. Design and development by Valerie Chu. Design and development editing by Alex K. Fong. Powered by the Hearst Newspapers DevHub. Advertisement