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CVIII Edition July 2008

Gasoline Retailers Association of Florida

214 Stevenage Drive Longwood, Florida 32779



e mail pat@

407-774-9700 SSDA/NCPR-AT

Pat Moricca President Member Service Station Dealers of America

INDEPENDENT BRANDS

VISIT OUR WEB SITE FOR THE LATEST GASOLINE

INDUSTRY INFORMATION AND BENEFITS



Gasoline Retailers Association of Florida is a non-profit association representing Independent Gasoline Retailers, Convenience Stores, Gasoline Service Stations, Repair Shops, Tire Retailers, Truck Stops and Associates throughout Florida. Our goal is to improve the interests of these independent businesses and the motoring public. Cooperation with insurance companies provides benefits for our members. These benefits include money-saving programs for group health, workers' compensation, casualty and property and gasoline tank liability insurance. Benefits also include financing to purchase your gasoline station property and much more.

The problems facing our industry today affect every dealer, no matter how large or small. And, since no one individual could possibly begin to solve these problems alone, it remains that each should join in a collective effort to protect his/her business investment.

Join the Gasoline Retailers Association of Florida and help in the fight to keep the

Motor Fuel Marketing Practices Act of Florida (Below Cost) law.

Make an important investment in your business future for less than $1 a day.

Ridership on mass transit breaks records

More people are riding the nation's buses and trains, breaking records for the first quarter of the year. Transit operators expect the increase to be greater in the second quarter as gasoline prices soar.

A report set for release by the American Public Transportation Association (APTA) shows trips on public transit January-March rose 3% over the same period last year to 2.6 billion rides. Light rails saw the biggest jump: 10% to 110 million trips.

Pat Moricca Early figures for April show ridership going even higher as gas hovers over $4 a gallon, says APTA president William Millar.

In 2007, he says, "we had higher numbers than we've seen in 50 years, and the trend is continuing in 2008." The South Florida rail system, which runs from Miami to Fort Lauderdale

and Palm Beach, had a 13% increase in riders during the first quarter. In April, travel jumped 28%, says Joe Giulietti of the South Florida Regional Transportation Authority.

Prices Cut Back U.S. Gasoline Use

Lofty energy prices and a weak economy have combined in the past year to rein in U.S. gasoline consumption in what many experts believe will be an enduring shift in the way our nation burns fuel.

As gasoline prices continue climbing, demand has been heading in the opposite direction. So far this year, Americans have used less gasoline than they did in 2007.

During the energy crunch of the late 1970s and early 1980s the last time gas prices were close to current levels in inflation-adjusted terms consumers sharply cut back their gas consumption. When prices dropped, demand rose again, but at a slower pace because of the embrace of more fuel-efficient foreign cars.

This time around, the breadth of change in consumption patterns is even more dramatic, and, if oil prices stay near current levels, the decline in demand could be more sustained. Behavioral changes, such as driving less or taking public transportation, could be easily reversed if gasoline prices ease.

But the steep run-up in oil prices and the prospect of them remaining high has prompted consumers, industry and lawmakers to make bigger, longer term changes that could reduce consumption for decades. Drivers are buying smaller cars, legislators are enforcing stricter rules on fuel efficiency, the market for alternative fuels is growing and people are shunning the far-flung suburbs to live closer to where they work.

A report by Cambridge Energy Research Associates, an energy-consulting group, says 2007 probably will represent the peak year of gasoline consumption in the U.S., with annual demand dropping this year for the first time in 17 years.

Drivers Brake at Biofuel Deal

Medley-based Urbieta Oil Company, which operates 72 U-Gas stations in South Florida, offered ethanol-based fuel and biodiesel fuel at a substantially discounted price to boost awareness of the need to reduce dependence on foreign oil.

From 8:50 a.m. to 1 p.m. Thursday, the U-Gas station at 7950 W. 28th Ave. began selling E-85 ethanol fuel for 85 cents a gallon and biodiesel fuel for $3.20.

Urbieta Oil president Edwin Torres said the campaign was intended to showcase U-Gas as the first station in the area to sell biodiesel fuel. "Biodiesels have been around for much longer than people realize," Torres said. "As the price of diesel goes up, we can't ignore the situation we're in and have to find an alternative and reduce dependence on foreign oil."

E-85 ethanol is 15 percent gasoline and 85 percent ethanol, which, in the U.S., is made primarily from corn. It is intended for vehicles designed to use flex fuel.

Biodiesel, or B-20, is 80 percent diesel and 20 percent cooking grease and other mostly vegetable oils.

The promotion was held in collaboration with the city, marking the start of Hialeah's green initiative that was showcased on Saturday.

Urbieta's campaign saw the price of E-85 start at 85 cents a gallon at 8:50 a.m. and then rise by one dollar every 85 minutes. It brought out even motorists who drive vehicles not intended for flex fuels.

By 11 a.m. the gas line had grown more than 30 cars long. After 1 p.m. the E-85 and biodiesel fuel reverted back to the original prices, $3.59 for E-85 and $4.55 for biodiesel, compared to $3.89 for petrol and nearly $5 for regular diesel fuel.

"We lost money today at 85 cents a gallon," said Urbieta. "We did it mainly for the public to know it's there."

Victor Figueroa drove up in a van and pumped about half E-85 and half regular petrol. Willie Urbieta, co-owner of Urbieta Oil, said such gas mixing is not uncommon but not recommended.

Crude Oil Speculators

There is no doubt that the deliberate manipulation of trades has been the single biggest reason crude prices rose to the levels they did. Every time a so called “expert” was quoted in a news story on the price of oil, they were always someone who was employed by the biggest traders at Intercontinental Exchange (ICE). Their quotes regarding expected price increases translated to the run-up in the cost of petroleum. Simply put, they created a story to produce profits when there was no real fundamental reason for an increase. The reason that was originally given for the run up was that the dollar lost ground to the euro on overseas markets. Even though the loss was just 6/10ths of 1% that allowed them to bid crude oil up. The increase escalated when a Merrill Lynch analyst said that crude was going to $150.00 a barrel. Just like the experts from Morgan Stanley and Goldman Sachs, they are manipulating prices to benefit themselves, while China and Cuba drill for oil 60 miles away from Key West. Increase federal regulation and oversight of the gasoline futures markets to end speculation that increases gasoline prices.

On June 16th the national average price for a gallon of regular gas rose to $4.08

Some areas of change!

Enact a one-year moratorium on oil industry mergers.

Stop adding to the Strategic Petroleum Reserve (SPR) while gasoline prices stay high.

Ban zone pricing and other mechanisms that prevent gasoline retailers from obtaining gasoline at the best price.

Expand refinery capacity and mandate minimum levels of inventory of a significant source of energy.

Lessen our dependency on gasoline through conservation efforts and alternative fuels.

Perhaps 60% of oil prices today pure speculation

Goldman Sachs and Morgan Stanley today are the two leading energy trading firms in the United States. Citigroup and JP Morgan Chase are major players and fund numerous hedge funds as well who speculate. 

In June 2006, oil traded in futures markets at some $60 a barrel and the Senate investigation estimated that some $25 of that was due to pure financial speculation. One analyst estimated in August 2005 that US oil inventory levels suggested WTI crude prices should be around $25 a barrel, and not $60.

That would mean today that at least $50 to $60 or more of today’s $130 a barrel price is due to pure hedge fund and financial institution speculation. However, given the unchanged equilibrium in global oil supply and demand over recent months amid the explosive rise in oil futures prices traded on Nymex and ICE exchanges in New York and London it is more likely that as much as 60% of the today oil price is pure speculation. No one knows officially except the tiny handful of energy trading banks in New York and London and they certainly aren’t talking.

‘The tail that wags the dog’

All this is well and official. But how today’s oil prices are really determined is done by a process so opaque only a handful of major oil trading banks such as Goldman Sachs or Morgan Stanley have any idea who is buying and who selling oil futures or derivative contracts that set physical oil prices in this strange new world of “paper oil.”

Send Congress An S.O.S

Speculators and investment banks can game the energy trading markets, using loopholes in commodities law to drive up the cost of energy and reap record profits… at the expense of American families and small businesses!

One of the biggest factors in high oil prices, according to many experts, is that investors, such as hedge funds and investment bankers, can use loopholes in commodities law to manipulate the market and drive crude oil, heating oil, gasoline and diesel fuel prices to new heights.

Congress is aware of the problem and lawmakers recently passed legislation to address the “Enron Loophole,” one of the major loopholes that opens the door to abusive trading practices, but the law didn’t go far enough.

Unfortunately, other loopholes exist that allow energy trading on completely “dark” exchanges.  For example, the “Foreign Markets Loophole” allows American energy commodities to be traded overseas exempt from U.S. oversight.

These so-called “Dark Markets” commodities markets that are not policed by U.S. authorities provide for an open the door to manipulation, even outright control of the markets.

For example, speculative investors can buy and sell millions of barrels of U.S. destined oil and other energy products every day in the United Kingdom and even in Dubai but are not made subject to the transparency and accountability laws that govern exchanges here in the United States! 

Additionally, through the so-called “swaps loophole,” financial investors can “game the markets” for pure profit by buying up positions in the energy markets, without any limitation on the size of the positions they can take.  One recent estimate suggested that they now control one third of the commodities markets, or $150 billion a 1,000% increase in less than five years!

Some experts believe that as much as 60 percent of the cost of a gallon of gasoline or heating oil can be attributed to pure speculation and abusive even manipulative trading practices, yet most trading is “dark” and federal authorities can neither fully police or see the data in the majority of the trading markets.

The energy trading markets were originally set up to provide energy producers and distributors with an environment to manage risk and produce the best possible price for their customers.  But they are clearly no longer the driving force in the market. Profiteering speculators and investment banks care little about establishing a price for energy based on supply and demand fundamentals; they only care about turning a PROFIT!

For elected officials’ information, contact our office @ 407-774-9700.

U.S. cars swarm to Tijuana stations

Tijuana– A surge of drivers from the United States eager to escape record high gasoline prices flooded gas stations near the border crossings yesterday. Motorists with California plates moved steadily through service stations and demand was up 30 percent from an ordinary weekend. Workers at the stations surveyed attributed the increase to motorists from the United States.

Regular unleaded (87 octane) gasoline sells for $2.54 per gallon in the city, premium (91 octane) for $3.20 per gallon and diesel for $2.20 per gallon.

A spokeswoman for the association that represents the 157 gas stations in the city said that demand had increased 25 percent in the first five months of this year compared with 2007.

Gas Station Owners Are Struggling

“The number of retailers on the brink of bankruptcy is now at a dangerous level," said Bill Douglass of Sherman, Texas-based Douglass Distributing. "In the past four months, 10 of the dealers to whom I supply motor fuel have relinquished to me the deeds to their businesses," he told Congress last month. 

“It was one thing when they were buying $12,000 loads of fuel; it’s another thing when they’re buying $30,000 loads of fuel,” Douglass told CSP Daily News in April. 

The bad news for consumers is that fewer gas stations further limits choices and competition, and that pushes up prices. But some motorists said they were surprised to hear that station owners were struggling! 

"That just tells me that the oil companies are grabbing all of the profits," Tanya Rutter, a personal trainer who lives in Manhattan Beach and drives an 18-year-old Datsun 240Z, told the newspaper. 

Gas station operators say the squeeze began years ago, as oil companies siphoned off more of the profits, took a cut of in-store sales and left owners to grapple with higher rents and equipment mandates. There is no good news for gasoline retailers; times have gotten so hard that some operators fear they'll have to close down and some already have.

People see the Exxon sign outside, hear about record profits and think the guy running the place gets a paycheck from Houston. Most of these places are independently owned franchises.

Struggling South Florida Gas Stations Offer Discounts for Cash

South Florida Sun-Sentinel - A Hollywood Chevron manager greets customers with a smile and often offers free coffee to regulars as they come into the gas station to pay for fuel.

And at a Shell station in Plantation, customers save about 6 cents per gallon by paying with cash instead of using credit cards.

South Florida gas retailers in high traffic areas are fighting for customer loyalty as prices continue to rise beyond the $4-per-gallon mark, putting the squeeze on consumers and independently owned gas stations alike.

Many are using promotions to lure consumers inside, where they may spend money in convenience stores, or giving cash discounts for gas purchases.

"This is a serious stretch for many of our members," said Pat Moricca, president of the Gasoline Retailers Association of Florida. In addition to rising fuel costs, retailers face high credit card fees and, decreases in sales from convenience stores -- where they make the bulk of their money -- and added expenses for such requirements as the replacement of underground storage tanks (December 31, 2009 deadline) mandated by new state laws.

ExxonMobil Exits Retail

Fairfax, Va. -- Another Big Oil company shifts retail operations to distributor class. Announcing the formidable transition of 820 company-owned and -operated retail sites and 1,400 dealer-operated sites, ExxonMobil became the latest major oil company to exit direct retail in favor of alternative paradigms, in this case, primarily to the distributor class of trade.

Groups of these direct and dealer-operated sites are located in Texas, Florida, Tennessee and California, but the transition involves numerous metropolitan markets across the country.

"We believe this is best way to grow and compete now and in the future” company spokesperson Prem Nair said. The conversion will transition over a multi-year period, a majority of markets to branded distributors.

Gas Stations Shouldn't Get the Blame for High Prices

With gasoline at $4.10 a gallon, why are gas stations closing in Rhode Island and why is ExxonMobil, one of the world's energy giants, following the lead of its competitors and selling all 2,200 of its retail outlets in the United States?

It seems the people who pump gas should be making a killing. But they are not.

In fact, gas station owners are struggling. Many independent owners are barely breaking even.

The reason is that the economic fuel chain rewards oil companies at the top that pump oil out of the ground and squeezes the little guys at the bottom that sell gasoline to motorists.

The result is that as gas prices have spiked, stand-alone stations are disappearing, just like the attendant who used to clean your windshield, check the oil, fill the tank and still be able to give you back change from a $10 bill.

In their place are more gas stations tied to convenience stores, sandwich shops and other retailers that want to sell you coffee, snacks and other goods while you fill up.

All the changes in the gas station business have been accelerated by the run-up in the price of oil and are based on the math of how crude pumped from the ground gets to your gas tank. Here's how it works:

Crude oil sold last week for about $130 a barrel. With 42 gallons per barrel, that sets the price at $3.10 a gallon. But before it gets to your tank, it has to be transported from the oil fields to refineries, where it goes through a refining process that turns the crude into gasoline, all that adds to the price per gallon. Then the gasoline has to be transported from the refinery to the terminal for distribution, usually by a wholesaler who sells it to the gas station owner. On top of all those costs, there are state and federal taxes. In Rhode Island, it's 31 cents on top of the 18.4 cents federal tax. The profit, or net margin after all expenses have been figured in, shrunk to about 1.5 cents a gallon. That's because the station owners' costs have gone up, including the expense of transporting the gas to the stations.

And when it is pumped, more than two-thirds of purchasers are using credit cards to pay for gas rather than carrying wads of cash. Each time the plastic is swiped, credit card companies charge 2.5 to 3 percent of the total. So as the price rises, and more people pay with cards, station owners have to pay more to the credit card companies, cutting their take. For example, at $4.10 a gallon, a 2.5 to 3 percent fee equals 10.5 to 12.5 cents a gallon.

The station owners also have to pay overhead: wages, rent, electricity, depreciation and other costs of doing business, all that slices margins thinner.

On top of that, most station owners have to borrow money to pay for the inventory of gasoline to fill the underground tanks. As the cost of gasoline rises, borrowers have to extend their lines of credit, raising their liability and creating a cash flow crunch. It also leaves them less able to borrow for anything else.

For example, if you pump 4,000 gallons a day and the profit is only 1.5 cents a gallon, the owner makes $60 a day on gas, hardly enough to run a business.

And because of competition, station owners can't just raise prices to boost their margins. Most motorists now look for the best price, not the brand or the location. They'll pass by one station to find another with cheaper gas.

ExxonMobil, the world's largest publicly traded oil company, said it plans to sell all its retail outlets. Other companies unloading low-profit retail gasoline businesses are BP Plc and ConocoPhillips. Some large wholesalers are expected to bid on the stations for sale.

"It continues to be a very challenging market with reduced margins," explained Exxon spokeswoman Premlata Nair.

The economics of gasoline pricing has changed the retailers who sell gas.

Some of the bigger retailers, such as BJ's Wholesale Club, Costco, and WalMart Stores have built gas stations in their parking lots and have become major players in the gasoline business.

Sometimes, it's easy to get angry at the guy climbing the ladder at a service station to raise the price, again, or the clerk behind the counter who takes your money. But the owner of the station isn't the reason that motorists are paying record prices for gasoline.

If you want to point the finger at someone, consider that Exxon Mobil reported sales of $404 billion last year and profits of $40.6 billion, a record. Those net earnings are among the $123 billion collected by the major oil companies last year.

The problem is at the start of the chain, not at the end where you fill your tank.

Oil Drilling

Many of you have been, or may be contacted on the issue of drilling for oil offshore in Florida. There are several important facts that you should remember if you’re approached about the issue. The first important issue is that wells will not be seen from the beach anywhere around the state.

A second issue is that they may ask about the 1969 failure of a rig off of Santa Barbara, California. The technology that has been developed since that accident has proven its worth. During Hurricane Katrina more than 100 rigs in the Gulf of Mexico suffered significant damage and not one of them failed. A third issue is the money that would come to the state in the form of lease payments and oil royalties. Florida is the only state that borders the Gulf of Mexico that doesn’t generate income from oil. The state of Texas has funded its’ public school system for years on those royalties. The fourth thing and probably the most important is the aspect of national security. As long as we rely on foreign sources for oil, we will be subject to the irrational behavior of dictators and despots. We also must be concerned about the long-term relations with the countries that we import from. Any change in leadership could result in major shortages for this country. Finally, they may ask or say it won’t help today. If we don’t start now it never will. There is a deposit of natural gas that is 30 miles south of Panama City. It is known as the Destin Dome. It contains trillions of cubic feet and could be producing in a year because a major portion of the work has been done. What is the importance of that natural gas? It can free up oil that would go toward generating electricity and move it to refined on-road products.

MasterCard, Visa Increase Pump Limit

Oklahoma – In what is being defined as a sign of the times, MasterCard and Visa have raised the fuel limit from $50 to $75, which will provide at least a time-savings for motorists who pay at the pump.

Gasoline retailers don't set the limits arbitrarily; the guidelines are imposed by the credit-card companies

while customers can make a second transaction if the $75 limit is exceeded,

Customers also have the option of paying inside as no limit is imposed there because retailers can obtain an authorized signature.

Notice!

IRS increases mileage rates because of high gas prices

The new rate, beginning July 1, will increase the deduction for business miles from 50.5 cents to 58.5 cents a mile. A similar 8-cent increase will apply for the use of an automobile for medical or moving purposes, although not for charitable deductions. The charitable rate is set by Congress, not the IRS.

Gallup: majority of Americans support price controls on gas

When Americans are asked what steps should be taken to reduce gas prices, no consensus appears, but somewhat surprisingly, a majority favor imposing price controls, by a 53% to 45% margin, according to Dennis Jacobe, chief economist for Gallup, the polling and research firm headquartered in Washington, D.C.

Americans also support releasing supplies from the federal government's strategic petroleum reserve (58%) and drilling in U.S. coastal and wilderness areas now off limits (57%), Jacobe wrote in a May 28 article posted on the Gallup Web site. On the other hand, a majority oppose rationing gasoline (79%), re-instituting the 55 mph speed limit (56%), and suspending the federal tax on gasoline for the summer (52%), according to the findings.

American Equipment Finance LLC

I am pleased to announce the endorsement of American Equipment Finance, LLC, as a member of our association.

American Equipment Finance LLC is an innovative and rapidly expanding commercial finance company, operating in multiple locations across the United States to serve your needs. American Equipment Finance LLC provides instant access to capital for businesses - both large and small seeking to acquire assets necessary to expand and grow.

In addition AEFLLC develop, implement, and manage Customer Finance Programs (CFP’s) for Manufacturers, Dealers and Distributors that wish to offer their customers instant access to funds for the purchase of their products and services (finance underground tanks, dispensers, POS systems & the related construction costs that go along with an upgrade, renovation or re-imaging of a service station or a C-store.)

For information contact Len Baccaro @ (800) 785-3060

E mail lbaccaro@

Web site

Gasoline Station and Property For Sale - Disney Area

$3.5 to 4 million gross Sales

Major brand Gas, Convenience Store, Lotto, Tow Trucks

Contact Pat @ 407-774-9700

Paid dividends last

six years on paid premiums.

Meadowbrook Insurance Group Workers’ Compensation dividend program

The Gasoline Retailers Association of Florida proudly sponsors Meadowbrook Insurance Group as its source for workers’ compensation insurance. Meadowbrook Insurance Group Workers’ Compensation is available to the Gasoline Retailers Association of Florida membership.

For more Information contact:

Cindy Winternitz 800-575-1816 or Pat Moricca 407-774-9700.

Gasoline Retailers Association of Florida-Meadowbrook Group Workers’ compensation dividend program has produced a dividend on paid premiums for eight out of the last nine years.

New Address and telephone numbers

Direct Phone 305-789-2789

Luis S. Konski Partner Direct Fax 305-537-3989

701Brickell Avenue Email Luis.Konski@

Law Firm Suite 1900 http//

Miami, FL 33131

LOOK

Affordable ‘Health Insurance’ Program

Our partnership with Benefits Now LLC is based on the mutual goal of bringing value and service to participating Gasoline Retailers including automotive repair shops, automotive suppliers and specialty business, tire dealers, towing operators’ truck stops and associates throughout the state of Florida and their employees.

I am confident that you will find Benefits Now LLC programs and services beneficial to you.

For Information, contact Sharon W. Cockrell @ Toll free1-866-414-0047 xt 200 or Pat Moricca @ 407-774-9700

American Equipment Finance

258 King George Road

Warren, NJ 07059

Contact Len Baccaro VP @ 800-785-3060 ext 202

web site

INDEPENDENT DEALER PURCHASING SERVICE

Cars New

Trucks Wholesale For the lowest possible cost of buying and selling your next vehicle; utilize our service to save hundreds to thousands on your next vehicle purchase or lease.

No gimmicks or games, IDPS will utilize our network of dealers and work the deal from start to finish. IDPS guarantees a savings to the buyer or there is NO CHARGE. 250 FLAT RATE FEE

Office: (888) 248-1013 * (407) 324-5422 * Fax: (407) 324-9856

E-mail: idpsgrp@

FinCEN Announces Launch of FinCEN Updates E-mail Subscription News Service

U.S. Department of the Treasury

Financial Crimes Enforcement Network

[pic][pic]

FenCEN’s Web site is located at:

FOR IMMEDIATE RELEASE (703) 905-3770

December 4, 2006

The Financial Crimes Enforcement Network (FinCEN) today announced the launch of FinCEN Updates – a new, free

e-mail subscription management service designed to keep the financial industry, the media and the public informed of news, rulemakings, advisories and other developments at FinCEN. This new secure e-mail subscription management service permits users to customize their updates, which enables them to receive e-mails related to the topics to which they have subscribed.

FinCEN Updates allows users to choose their subscription preferences. Subscription items include advisories, guidance, news releases, rulings, enforcement actions, and current career opportunities at FinCEN. Users can add or delete subscription items themselves, and have the option to password protects their accounts for increased security. Users can opt to have FinCEN Updates sent immediately, daily, weekly, or monthly to their e-mail accounts or directly to a wireless device.

FinCEN selected the GovDelivery® E-Mail Subscription Management service to monitor designated website content and to send an e-mail to alert subscribers when there is new information posted on FinCEN’s public websites. Subscribers will receive e-mails from the Financial Crimes Enforcement Network at the address fincenupdates@.

To subscribe to FinCEN Updates, visit FinCEN’s website at or subscribe directly at .

INSURANCE RECOMMENDATIONS

The last minute policy renewal quote:

By waiting till the very last minute it will prevent the insured (you) from being able to shop for a lower cost policy. Below are a couple tips to help you get the best deal on insurance.

Liability: At least six weeks before your policy expires, seek out competitive quotes from at least one additional agent/company. You will need to know your current policy coverage and terms to get competitive information. Gasoline Retailers Association of Florida’s/Insurance Office of America’s money saving programs and a complete insurance package to meet your business responsibility.

Contact Glen Esbjorn from the Insurance Office of America for your insurance needs @ (800) 242-6899 (407) 788-3000 or Pat Moricca @ (407) 774-9700

S. O. S.

Safehouse of Seminole Domestic violence is a social issue, which crosses all boundaries and threatens the very fabric of our society. At Safehouse of Seminole, we are dedicated to breaking this cycle of violence through our shelter and community outreach programs. Our crisis line and shelter programs provide victims and their children with the resources they need to begin healing from past and preparing for their future. Believing that education and awareness are vital tools for change, we provide educational programs in Seminole County Schools and other community organizations. 24-Hour Crisis Line 407-330-3933.

Safehouse of Seminole needs your donations

Your contribution to Safehouse may be tax deductible on your annual tax return, as Safehouse is an organization of the type described in section 509(a)(1) and 170(b)(A)(vi) under the Internal Revenue Code. Our registration number is SC-05086.

Safehouse of Seminole Wish List:

Personal Needs – Bedding Needs – Baby Food & Needs -- School Needs – Grocery/Kitchen/Cleaning Needs – Holiday Needs – Miscellaneous Items for everyday Needs!

Contact the Safehouse of Seminole @ 407-302-5220 for a copy of their Wish List.

Please make checks payable to and mail to

Safehouse of Seminole PO Box 2921, Sanford, FL, 32772

Name__________________________________Telephone_______________________

Address_______________________________________________________________

City______________________State_________________________Zip______________

SUPPORT ASSOCIATE MEMBERS WHO SUPPORT OUR ASSOCIATION

*Grogan Realty Co. Specializing in Gasoline stations & Commercial property financing available (904) 737-3493

*Meadowbrook Insurance Group Workers’ Comp. Dividend Program Contact: Cindy Winternitz (800) 575-1816

*Insurance Office of America Group Health, Property & Casualty Liability Underground Storage Tank Insurance

Contact: Glen Esbjorn (800) 243-6899-1855 W.S.R. 434-Longwood, FL 32750

*Chokshi Accounting & Tax Services, Inc. 682 Maitland Avenue Altamonte Springs, FL 32701 407-332-8311

*RPM inc. Receipts-Printing-Marketing 1536 Bonair St. Clearwater, FL 33755 1-800-398-0987

American Equipment Finance 258 King George Road Warren, NJ 07059 Contact Len Baccaro @ 1-800-785-3060 ext 202

GASOLINE SUPPLIERS

Bill McKnight Art McKee Eduardo Rodriguez

Automated Petroleum & Energy Co. Lewis & Raulerson, Inc. Macmillan Oil Company Of Florida Inc.

.P.O. Box 1110 P. O. Box 59 2955 east 11 avenue

Brandon, FL 33509 Waycross, Georgia 32502 Hialeah, Fl. 33013

(813) 681-4279 (863) 401-3937 Office (305) 691-7814

Cell (305) 283-8580

Lost your lender

No wonder: With all the mergers, acquisitions and closings, your lender is probably lost too.

We specialize in extending competitive rates on financing loans.

Contact John Grogan Business Development Officer

Office 904-731-9020 fax 904-880-4363 cell 904-571-6564 E-Mail johngrogan@

GASOLINE RETAILERS ASSOCIATION of FLORIDA

WELCOMES ALL NEW MEMBERS

MEMBERSHIP DOES NOT COST, IT PAY

Down Syndrome Association of Central Florida

The Down Syndrome Association of Central Florida is the leading voice for individuals with Down syndrome and their families. We offer hope, encouragement and acceptance through advocacy, education and awareness so that each may realize their potential as members of our community.

For information, 407-540-1121 web site

Altamonte Springs Special Needs Cheerleading - Sparklers

Through successful sports training and competition, City of Altamonte Springs Special Needs Cheerleading - Sparklers develop physically, socially, and physiologically. The positive experiences the athletes have and ongoing, City of Altamonte Springs Special Needs Cheerleading - Sparklers programs builds confidence and self image, which carries over into all aspects of their lives.

Altamonte Springs Sparklers information contact Ranwa Nin El-khoury C(407)929-7254 W(407)571-8814 F(407)571-8809

St. Mary Magdalen Catholic Church

Altamonte Springs Florida

A Unique Stars Theatre Program

Fr. Tom Smith’s

“Angels Among Us”

With 29 Unique Special Angels of all Ages

Katie Byrnes Terry McDonald

Katie Moricca Eileen Jefferson

Joe Nasehi Erin Maciarz

Meggan Van Loon Eddie Penedo

Kristin Costanzo Lisa Ramos

Shawn Seaver Nataly Hernandez

Angel Resende Kimberly Culley

Courtney Coil Adriana Kenney

John Ferry Alicia Cepero

Patti Wittick Bret Jones

Michael Martin Mark Preston

Joshua Borbolla Dustin Parramore

David Chernega Charbel Elkhoury

Eden Fulmer

CAST

Father Tom - Diane Della Piazza

Lisa Cioffi - Frank Corso

Produced and Directed by Elsie Doughty

A must-see!

For information, please contact

Father Tom Smith @ (407) 695-1720

‘Angels Among Us’ shows have received GREAT REVIEWS. Comments from people; I never saw any performance like it; I was moved by the special angels; Everyone should see the show; It brought tears of joy to my eyes; It is a heart-warming experience that makes you feel better as a human being; A classic and much more.

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$10____ $15____

$20____ $50____

$100____other____

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