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( “Lifeline of the Gasoline Industry, the Independent Gasoline Dealer.” (

CLXXXIV Edition November 2014

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 AFLAC, 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

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

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

HAPPY

THANKGIVING

2014 average wholesale gasoline prices have changed up or down 175 times from 1st of year to date.

National Average Gas Price Falls Below $3

WASHINGTON, D.C. — Consumers have some more money to spend on in-store merchandise at convenience stores now that the national average price for a regular gallon of gasoline dipped below $3 on Saturday. The national average was last below $3 per gallon on Dec. 22, 2010. 

Citigroup sees $1.1 trillion stimulus from oil plunge

The lowest oil price in four years will provide stimulus of as much as $1.1 trillion to global economies by lowering the cost of fuels and other commodities, according to Citigroup Inc.

Citigroup estimates. Savings will climb to $1.1 trillion annually as the slide cuts costs of other commodities, leaving consumers and companies with extra cash to spend and bolstering growth, according to Ed Morse, the bank’s head of global commodities research in New York.

Crude prices are plunging amid signs that OPEC, supplier of 40 percent of the world’s oil, won’t act to eliminate a surplus as global growth slows. Combined supplies from the U.S. and Canada rose last year to the highest since at least 1965 as producers tapped stores locked in shale-rock formations and oil sands. The global economy will rebound next year, with growth quickening to 2.98 percent, the fastest since 2010, according to analyst forecasts compiled by Bloomberg.

“A reduction in oil prices also results in a reduction in prices across commodities, starting with natural gas, but also including copper, steel, and agriculture,” Morse said yesterday in an e-mailed response to questions. “All commodities are energy intensive to one degree or another.”

“Cheaper oil is an advantage for both consumers as well as industrial and manufacturing operations, especially as winter approaches,” Myrto Sokou, an analyst at Sucden Financial Ltd. in London, said by e-mail yesterday. As lower energy prices help reduce commodity costs, they can push down the inflation rate. While freeing up more money for consumers, outsized declines could become a concern in places like Europe, where policy makers are trying to stave off deflation, which can exacerbate an economic slump. Brent plunged to the lowest level in almost four years “Lower prices, for most economies, reduce the cost of doing business and support economic growth,” the International Energy Agency said in a report Oct. 14. “Lower prices offer a cushion of sorts against an otherwise vulnerable macroeconomic backdrop.”

Nations in the Organization of Petroleum Exporting Countries may resist cutting output in response to the slowing demand growth to try and test the prices at which some North American supply is profitable, Antoine Halff, head of the IEA’s oil industry and markets division, said.

Oil prices rose to a record in 2008, boosting revenues for nations including Russia as well as Middle East states such as Saudi Arabia, Kuwait and the United Arab Emirates. It also increased prices for consumers in industrialized nations.

Demand is slowing while production, particularly in the U.S., continues to surge.

Phillips 66 profits double on crude price plummet

Plummeting crude prices worldwide doubled Phillips 66′s profits in the third quarter, providing the company with a cheaper feedstock to run its refineries.

Crude oil is, by far, the largest operating expense for the Houston-based company, which operates pipelines and refineries. Phillips 66 purchases about 2 million barrels of oil per day, spending more than $80 billion per year on crude, depending on the price.

Falling prices can dramatically cut the company’s costs, a savings of $1 per barrel is worth about $450 million in net income, the company has reported.

The company reported earnings of $1.2 billion, during the three-month period ending Sept. 30. That’s up from $535 million during the same period last year. The refining sector saw earnings climb to $558 million in the third quarter from a loss of $30 million during the same time last year. Phillips 66 capitalized on the improved margins between crude prices, which have tumbled more than 20 percent since July, and the value of the petroleum products produced by Phillips 66 refineries.

Meanwhile, the company continues to grow its midstream businesses to capture growing domestic oil production unleashed by the U.S. shale boom.

The company recently announced plans to participate in two joint ventures to develop two major pipelines at a cost of $1.2 billion. The Dakota Access Pipeline is expected to carry 450,000 barrels per day of crude oil from the Bakken shale in North Dakota to the Midwest while the Energy Transfer Crude Oil Pipeline will transport oil from the Midwest to the Gulf Coast, including Phillips 66 terminal in Beaumont. Both projects are expected to begin operating at the end of 2016.

Over Half the Nation’s Gas Stations Now Below $3

The U.S. average price of gasoline ($3.03/gal) continues its slide to levels last seen in December 2010 and today, more than one-half of the nation’s gas stations offer regular gasoline at prices below $3 per gallon.

“It may seem difficult to believe but gasoline below $3 per gallon can now be found at stations in 47 states,” said Patrick DeHaan, senior petroleum analyst with GasBuddy.   “With multiple factors pushing retail prices lower in most parts of the country, we expect we’ll see the national average fall below $3/gal before Halloween.”

Today there are 19 states where the average price of gas is under $3 per gal. The states with the lowest average prices are: SC, $2.76; TN, $2.78; MS, $2.79; TX, $2.81 and VA, $2.82.  Unfortunately, the highest gas prices in the U.S. remain mostly in states with the highest combined federal, state and local taxes: HI, $4.04; AK, $3.71; NY, $3.39; CA, $3.38; and CT, $3.35.

The lowest priced metro area in the U.S. today is Chattanooga, TN where the average is $2.66.  The lowest priced gas in the entire country is found at an Exxon in Memphis, TN where the price is $2.39/gal.

CONSERVE, CONSERVE, CONSERVE.

More E15 and E85 outlets coming to the South

Motorists in the South will be getting more options for ethanol fuels over the next few months, as ethanol distributor Protec Fuels increases availability of E85 and seeks to bring newcomer E15 to select areas.

Boca Raton, FL based Protec Fuel already supplies E100 and E85 fuels to retailers, fleets, and distributors through its channels in the Southeast and South. It's bringing the new options to pumps via partnerships with retailers in these markets, building 28 ethanol fuel blending locations that will have E15 and E85.

“Because of the success of our retailers who have offered E85 in the past, our retail customers are asking us for E15,” said Todd Garner, CEO of Protec Fuel. “With our proven expertise in the field, it’s natural for us to help meet the demand of many convenience store retailers large and small who want to offer products different than their competitors. Further, this can aid in helping to meet the Renewable Fuel Standard blend wall, after market concentration of E10,” Garner said.

E15 has been met with resistance as stations remained concerned with certifications of pumps and customer confusion.

While only FFVs are approved to fill with E85, some 100 models today are approved to run on the mix. Coupled with the fact that there are over 16.5 million FFVs on the road, Protec believes there is strong need for more stations offering higher level blends of ethanol. With plans to expand this push with future phases, Protec says initial stations should be completed by end of 1st quarter 2015. 

Home Depot Releases Details on Data Breach Impact

NEW YORK — The Home Depot Inc. released further information on the months-long data breach that occurred at its stores in the United States and Canada and affected 56 million debit and credit card users between April and September, reported the Associated Press. The malware used in the breach has reportedly been eliminated.

Company officials said there was no evidence that debit PINs were compromised, nor that the breach affected stores in Mexico or customers who shopped online at . They also noted that Home Depot has since completed a "major" payment security project to add enhanced encryption of customers' payment data at its U.S. stores.

"We apologize to our customers for the inconvenience and anxiety this has caused, and want to reassure them that they will not be liable for fraudulent charges," Home Depot Chairman and CEO Frank Blake said in a recent statement. "From the time this investigation began, our guiding principal has been to put our customers first, and we will continue to do so."

In spite of this incident, Home Depot on Thursday reported a slight increase in its expected earnings for fiscal 2014.

The new projection does include estimates for the cost to investigate the data breach, provide credit monitoring services to customers, increase call center staffing and pay for legal and professional services, but does not include potential not-yet-determined losses related to the data breach. These losses could include liabilities related to payment card networks, civil litigation, and government investigations and enforcement proceedings.

Chevron to Accept Apple Pay at 3,000 Stores

SAN RAMON, Calif. — Chevron USA Inc. will integrate Apple Pay at more than 3,000 Chevron and Texaco ExtraMile locations before the holiday season.

Apple Pay allows iPhone 6, iPhone 6 Plus and Apple Watch users to pay for fuel and other goods and services via their smartphone if they own a Visa credit or debit card issued by Bank of America, Capital One, Citi Bank, Chase or Wells Fargo Bank. In addition, customers can access compatible apps with Apple Pay when using the iPad Air 2 and iPad Mini 3.

Apple Pay officially went live. Subway, Whole Foods Market, Duane Reade, Macy's, Bloomingdale's and Disney Store are among the other retailers currently accepting the mobile payment system.

“We are thrilled to innovate in the area of retail fuel transactions by making the customer experience for payment and loyalty as smooth, seamless and secure as possible,” said Glenn Johnson, general manager, Americas Products Marketing Sales & Services, Chevron. “Offering Apple Pay to our customers further solidifies our commitment to delivering high-quality products and services while in a secure and convenient manner.”

According to Chevron, it is working toward making Apple Pay available at the remaining Chevron and Texaco convenience stores and gas stations by early 2015. San Ramon-based Chevron USA Inc. is a division of Chevron Corp., which is involved in virtually every aspect of the energy business.

Dairy Queen's Turn for Data Breach

Detects "Backoff" malware on some restaurants' systems

MINNEAPOLIS -- International Dairy Queen Inc. recently learned of a possible malware intrusion that may have affected some payment cards at some DQ locations and one Orange Julius location in the United States, the company said in a notice on its website joins retailers and restaurant chains including Jimmy John's, Home Depot, SuperValu, Albertson's, Jewel, Target and Michaels, to name just a recent few. In the convenience store and gasoline station channel, 7-Eleven and Mapco have experienced recent payment systems breaches.

Upon learning of the breach, the company launched an investigation and retained external forensic experts to help determine the facts. Because nearly all DQ and Orange Julius locations are independently owned and operated, it worked closely with affected franchise owners, as well as law enforcement authorities and the payment card brands, to assess the nature and scope of the issue. "As a result of our investigation, we discovered evidence that the systems of some DQ locations and one Orange Julius location were infected with the widely reported 'Backoff' malware that is targeting retailers across the country. The investigation revealed that a third-party vendor’s compromised account credentials were used to access systems at those locations," said the notice from John Gainor, president and CEO.

Based on the investigation, the company has established the following:

The Backoff malware was present on systems at a small percentage of locations in the United States. The periods during which the Backoff malware was present on the affected systems vary by location.

A list of affected DQ locations and the one Orange Julius location, as well as the relevant time periods, is available here. The affected systems contained customers’ names, payment card numbers and expiration dates. The company said it has no evidence that other customer personal information, such as Social Security numbers, PINs or email addresses, were compromised as a result of this malware infection. "Based on our investigation, we are confident that this malware has been contained," said the company. Gainor continued, "We deeply regret any inconvenience this incident may cause. Our customers are our top prioritym and we are committed to working with our franchise owners to address the issue. We are notifying DQ and Orange Julius customers about this incident so they can take steps to help protect their information. We sincerely apologize for any inconvenience this may have caused you."

Kmart Investigating Payment System Breach

Joins not-so-exclusive club of retailers, QSRs reporting intrusions, malware attacks

HOFFMAN ESTATES, Ill. --Kmart has announced that on October 9, the retailer's IT team detected that its payment data systems had been breached. The company has launched a full investigation working with a leading IT security firm, it said.

It joins retailers and restaurant chains including Dairy Queen, Jimmy John's, Home Depot, SuperValu, Albertson's, Jewel, Target and Michaels, to name just a recent few. In the convenience store and gas station channel, 7-Eleven and Mapco have experienced recent payment systems breaches.

"The security experts report that beginning in early September, the payment data systems at Kmart stores were purposely infected with a new form of malware," Alasdair James, president and chief member officer of Kmart, said in a notice posted on the company's website. "This resulted in debit and credit card numbers being compromised. Based on the forensic investigation to date, no personal information, no debit card PIN numbers, no email addresses and no social security numbers were obtained by those criminally responsible. There is also no evidence that customers were impacted. This data breach has been contained and the malware has been removed."

He added, "To further protect our members and customers who shopped with a credit or debit card in our Kmart stores during the month of September through Oct. 9, 2014, Kmart will be offering free credit monitoring protection."

Some Retailers Balking at Pump Upgrade for EMV Cards

Gasoline retailers have three years to make their pump payment systems compliant with EMV chip-based payment cards.

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​STAMFORD, Conn. – Talk about sticker shock. The cost of upgrading gasoline pumps to comply with EMV chip-based payment cards has many gasoline retailers putting off the update for as long as possible, Payments Source reports. While major card firms have given October 2015 as the EMV liability shift deadline for merchants, gasoline companies gained an extra two years to convert their pumps, which will cost between $6,000 and $10,000 per pump.

NACS reported two years ago that the average card fraud associated with fuel pumps costs each store around $700 annually, but that Payment Card Industry security standards expenses jumped to approximately $2,000 per year. Last year, a report for the convenience store industry tallied card fraud at around $250 million annually.

“It’s probably the worst business case that exists in the retail industry,” said Steve Mott, principal of BetterBuyDesign. “What the card brands are trying to do to secure America is really costly for these small guys at convenience gasoline stations.”

Part of the reluctance stems from the fact that there’s some confusion as to what’s necessary and what a reasonable amount to pay is. “We may have three years before we have to go to the automatic fuel dispensary engagement with EMV, but I just think it is still cost prohibitive,” said Bill Deichler, a payments industry expert and former payments manager for Murphy Oil USA fuel company. He has long said the conversion will be expensive and slow in the fuel industry. “Murphy was estimating that it would cost $20 million to $25 million to make the whole chain EMV capable at the pump,” said Deichler. “That means you are looking at about a 10- to 15-year payout on fraud numbers. It makes no sense.”

American Express to Provide Assistance for Merchant EMV Adoption

Program will provide small merchants with $100 to upgrade terminals, starting in February.

With its new program, American Express is helping small merchants take steps to ensure that their customers feel secure when they use their credit card to pay. As part of the program, scheduled for launch in February 2015, eligible merchants that have upgraded their terminals can request a one-time $100 reimbursement from American Express by visiting fightfraud. American Express has committed to providing up to $10 million in reimbursements to U.S. small merchants that submit a request by April 30, 2015. To qualify for a reimbursement, a U.S. small merchant must have less than $3 million in annual American Express charge volume.

“We know from speaking with our smallest merchants that they are too busy running the day-to-day operations of their businesses to keep up with the constantly-changing fraud landscape,” said Anré Williams, president, global merchant Services, American Express, in a press release. “That is why we’re launching this program to help educate small merchants about point-of-sale security and offset the cost of upgrading their terminals. The program will benefit our small merchants as well as our card members, who can feel secure as they continue to support their local communities and shop small.” To increase small merchants’ knowledge about the technology, American Express will be providing educational materials and holding webinars, forums and other events.

Gulf Brand Returns to Alabama JACKSON, Ala.

The Gulf brand has returned to Alabama for the first time in more than two decades.

Gulf Oil LP announced that it reached an agreement with petroleum products distributor Bumpers Oil Co. LLC, which converted two gasoline stations in Jackson and one in Grove Hill to the Gulf brand. Plans are in place to raise the Gulf flag at as many as six additional sites in the Yellowhammer State in the months ahead. “Bumpers Oil is a terrific partner for us as we continue our national expansion and move back into areas of Alabama that haven’t seen the Gulf brand in over 20 years,” said Gulf Oil's Senior Vice President and Chief Sales and Marketing Officer Rick Dery. “We are very pleased to be providing their customers with quality products and services at competitive rates.” 

Chris Bumpers, owner of Jackson-based Bumpers Oil, noted that he selected Gulf because of its trusted history and excellent reputation. "Our customers love to see the iconic orange and blue logo flying high in Alabama once again, and they feel great about filling their tanks with Gulf gas," he said. "We know our partnership will achieve great things for both of our companies.” Gulf Oil LP is a national branded supplier of motor fuels throughout the United States and its territories.

Producers fighting North Dakota rules on rail safety

An oil train goes through Bakersfield, Calif. (AP Photo/The Bakersfield Californian, BISMARCK, N.D. Oil producers in North Dakota are objecting to any new state regulations that would require them to reduce the volatility of crude before it’s loaded onto rail cars.

North Dakota’s Industrial Commission is considering new rules that would require companies to remove certain liquids and gasses from crude oil train shipments, a process some say would make such transport safer. But oil industry officials told the commission that the state already has proper regulations in place.

“To date, no evidence has been presented to suggest that measureable safety improvements would result from processes beyond current oil conditioning,” Hess Corp. spokesman Brent Lohnes said. Oil trains in the U.S. and Canada were involved in at least 10 major accidents during the last 18 months, including an explosion in Lac-Megantic, Quebec, that killed 47. Other trains carrying Bakken crude have since derailed and caught fire in Alabama, Virginia, and North Dakota.

But Kari Cutting, vice president of the North Dakota Petroleum Council, said nine of the incidents involved derailments and one was due to a leaky valve.

“The material contained in these railcars was not the cause,” Cutting said. A federal report released earlier this year by the Pipeline and Hazardous Materials Safety Administration says oil from North Dakota’s prolific Bakken formation may be more flammable than other crudes. But a report funded by the North Dakota Petroleum Council says Bakken oil is no more dangerous to transport by rail than other crudes and fuels. Oil from North Dakota began being shipped by trains in 2008 when the state reached capacity for pipeline shipments. The state is now the nation’s No. 2 oil producer, behind Texas.

Cutting, whose group represents more than 500 companies working in North Dakota’s oil patch, said the each of the more than 11,000 oil wells in the state already has equipment in place to stabilize or condition the oil before shipment.

“Requiring stabilization beyond current conditioning practices would be a costly, redundant process that would not yield any additional safety benefits,” she said.

Industry officials also pointed out that stripping liquids and gases from Bakken crude would result in even-more volatile products that would still have to be shipped by rail. Outside the Bismarck building where the commission was meeting, members of an environmental-minded landowner group hoisted a large banner that read, “Stop Bomb Trains, Stabilize Bakken Crude.” Theodora Bird Bear of Mandaree, a spokeswoman for the Dakota Resource Council, told reporters that oil companies are cutting corners to boost their bottoms lines. “When they talk about saving money, what they are really talking about is reducing public safety,” Bird Bear said.

Members of the group said the issue of safer Bakken oil goes well beyond North Dakota’s border. “No one in this country feels safe around these rail lines,” Scott Skokos said. Minnesota Gov. Mark Dayton sent a letter to Gov. Jack Dalrymple, asking for additional safety measures for oil trains leaving North Dakota. Alison Ritter, a spokeswoman for the regulatory panel, said a decision on whether to change state rules could come within 90 days.

Faulty brake pads, risk of fire prompts GM recall: Cadillac and Impala

One step forward, two steps back. General Motors is now recalling more than 220,000 Cadillac XTS and Chevrolet Impala vehicles whose brake pads can stay partially engaged when not braking, which could ignite fires.

GM has already recalled several vehicles this year, including seven models, 15 million vehicles worldwide, for ignition switch issues and a massive recall of more than 700,000 vehicles linked to two crashes.

Cadillac’s from the 2013-2015 model years and Impalas from the 2014-2015 model years are being recalled. An estimated 205,309 out of the total 221,558 recalled are in the U.S., with the rest in Canada and other countries.

The electronic parking brake arm that applies pressure to the back of brake pads might not fully retract after use in the recalled cars, GM said. The excessive heat caused when brake pads stay engaged with the rotor could spark a fire.

GM said it knew of no accidents or injuries caused by the brake pad malfunction, and the company will notify owners and repair the vehicles free. Has the number of recalls made you less confident in GM and other auto manufacturers?

U.S. Postal Service May Begin Grocery Delivery

New plan would expand successful AmazonFresh pilot program in San Francisco to more cities.

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​WASHINGTON – The U.S. Postal Service wants to deliver more than just the mail. The Washington Post reports that the agency is seeking regulatory approval from the Postal Regulatory Commission to begin testing home delivery of “groceries and other prepackaged goods” following a successful 60-day trial in San Francisco with ’s AmazonFresh delivery service.

Under the plan, USPS would work with retail partners to make home deliveries between 3 and 7 am. Participating grocery stores would have to drop off their orders at post offices between 1:30 and 2:30 am.

“Ultimately, the Postal Service expects this will generate more package deliveries that do not currently move within the postal system,” the agency said in its proposal. “Grocery deliveries are expanding across the nation, with several different types of companies beginning to offer this service in recent months.” The Washington Post notes that USPS has not specified its delivery prices or the cities and retailers that will be participating in the program. During its San Francisco test with AmazonFresh, USPS averaged 160 deliveries per day in 38 Zip codes.

New study says traffic gridlock will cost motorists $2.8 trillion by 2030

A new study out from the Centre for Economics and Business Research and INRIX says that motorists will waste $2.8 trillion in time and fuel and trickle down costs because of traffic by 2030 unless changes are made.

The new report by the Centre for Economics and Business Research (Cebr) and INRIX, Inc., a leading provider of real-time traffic information, transportation analytics and connected driver services, is the first of its kind to quantify the direct impact on drivers in terms of wasted time and fuel as well as indirect costs to US households resulting from businesses passing these same costs on to consumers in the form of higher prices for goods and services. "The report reveals an ominous forecast for the US if traffic continues to impede the flow of people and commerce to the degree is does today," said Kevin Foreman, INRIX General Manager of GeoAnalytics. "As the economy grows and more people live in urban areas, greater demand is placed on our roads.  Until we evolve our approach to how we manage our transportation networks, the individual and societal costs are only going to get worse." 

Other key findings of the study include: The annual cost of traffic for each American household is $1,700 today. This cost is expected to rise approximately 33 percent to$2,300 in 2030. The monetary value of carbon emissions caused by vehicles idling in traffic in 2013 was $300 million. By 2030, this is expected to rise to $538 million, totaling $7.6 billion over the 17-year period.

As the city with the nation's worst traffic, Los Angeles accounted for nearly 20 percent of the total cost of congestion in the US last year.  Gridlock cost LA drivers $23.2 billion in 2013 and is forecasted to grow more than $15 billion to $38.4 billion in 2030.

Population and GDP growth are predicted to drive US increases in traffic congestion, as well as fuel costs and vehicles on the road.  The study predicts 281 million vehicles on U.S. roads by 2030 – an increase of 30 million.  

"The key to deterring these cost predictions is developing long-term solutions that enable more efficient usage of our roads," Foreman said. "This means creating greater connectivity among vehicles and engineering smarter cities to support this connectivity."

INRIX, which collects real-time data from drivers and devices across four million miles of road in 40 countries, works with leading automakers  such as Ford, Toyota and BMW and 40 state transportation departments to harness insights that inform intelligent transportation solutions. This INRIX data enables city and state governments to make smarter investment choices in road and transit improvements, informs transportation policy, and powers smart cities applications, including:

Multi-modal navigation services that inform consumers of the fastest mode of transportation to their destination and provide drivers with the ability to navigate the next closest bus or train departure to their destination when traffic or other delays prevent them from completing their trip by car on time. Intelligently route vehicles using all available roads and advanced signal timing systems that reduce delays and resulting emissions from stop and go driving. Building the infrastructure to support autonomous vehicle technology that maximizes throughput by enabling vehicles to all travel at the same speed during peak times.

GASOLINE STATION PROPERTY LOANS

Gasoline Retailers Association of Florida has endorsed Evan Rabinowitz ON DECK

a leader in the gasoline industry specializing in small business and

Gasoline station commercial loans.

For more information please contact:

Evan Rabinowitz Direct: 646-405-5944 • Cell: 917-208-6936

e mail-newpartner@

CHOKSHI ACCOUNTING & TAX SERVICES, INC.

Enrolled to practice before the IRS

Prompt and Reliable Services

682 Maitland Ave. *****************Accounting

Altamonte Springs, FL 32701****************Payroll & Income Tax

407-332-8311***********************Electronic Filing

Dinesh Chokshi Enrolled Agent

Barry’s goal!

To provide high quality legal services in a timely fashion. We consider the representation of our clients a privilege and we promise you we will work hard to get the best possible result for you. We welcome the opportunity to discuss how we can help you with no cost or obligation.* Please contact us @ 561-242-9400 or toll-free at 866-452-9400 or e-mail at balmuthlaw@alum.emory.edu

My staff and I welcome you to our Web site .

On this site, there is more information on my education, experience, qualifications, and area of practice as well as links to other informative sites. We hope you will find our site informative and useful.

Attorney

Barry S. Balmuth, P.A.                                    

Centurion Tower-Eleventh Floor *Petroleum Marketing Practices Act Federal (PMPA)

1601 Forum Place, Suite 1101

West Palm Beach, Florida 33401 *Motor Fuels Marketing Practices Act Florida (MFMPA)

Toll free at 866-452-9400

e mail-balmuthlaw@alum.emory.edu

AV RATED FLORIDA BAR BOARD CERTIFIED CIVIL TRIAL AND BUSINESS LITIGATION LAWYER PRACTICING SINCE 1990

Many years of experience in the gasoline industry representing dealers in PMPA matters and franchise disputes!

Barry Balmuth, litigates in eminent domain and can represent you at no cost and help you in obtaining compensation for business damages and for property loss when the government or Barry Balmuth a utility takes a portion of the property on which your station operates for a road project.  Government agencies and utilities must pay full compensation and, in many situations, business damages as well as attorney’s fees and costs when they use the power of eminent domain to acquire property. 

For complete information go to or call toll free at 866-452-9400.

AFLAC

The Gasoline Retailers Association of Florida Inc. proudly endorses AFLAC for all our supplemental insurance into our “Benefit Program”.

For information Contact; Jennifer Foss

941.286.8010 / Fax 941.237.4876

jennifer_foss@us.

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: Contact: Meadowbrook Nancy Clay @ (800) 726-9006 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 nine out of the last ten years.

INSURANCE & BENEFITS CONSULTANTS

General Liability, Property & Underground Gasoline Tanks Insurance

Insurance Recommendations, the last minute policy renewal quotes:

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 & Benefits Consultants (IBC) money saving programs and a complete insurance package including Underground Gasoline Tanks to meet your business responsibility.

For information Contact Michael A. Moran, CIC

6000 Cattleridge Drive, #300

Sarasota, Florida  34232

941-955-2133 ex 526 or 533

e-mail mmoran@

INSURANCE & BENEFITS CONSULTANTS

Health Insurance

For many years we have been searching for a Health Insurance provider to meet the needs for you your family and your employees.

I am pleased to announce the endorsement of Insurance & Benefits Consultants (IBC) as the preferred Health Insurance program provider for the Gasoline Retailers Association of Florida.

For information Contact Michael A. Moran, CIC

6000 Cattleridge Drive, #300

Sarasota, Florida  34232

941-955-2133 ex 526 or 533

e-mail mmoran@

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 471279, Lake Monroe, FL, 32747-1279

Name__________________________________Telephone_______________________

Address_______________________________________________________________

City______________________State_________________________Zip______________

Department of the Treasury

Financial Crimes Enforcement Network

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FenCEN’s Web site is located at:

FOR IMMEDIATE RELEASE (703) 905-3770

December 4, 2006

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

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 .

SUPPORT ASSOCIATE MEMBERS WHO SUPPORT OUR ASSOCIATION

*Newsletter (407) 774-9700

*Help Line Pat Moricca (407) 774-9700

*Attorney Barry S. Balmuth Toll free (866) 452-9400

*Meadowbrook Insurance Group Workers' Comp. Dividend Program Contact: Meadowbrook

*Meadowbrook Employment Practices Liability Insurance (EPL) @ (800) 726-9006 ex 5325

*General Liability, Property Underground Gasoline Tanks Insurance (941) 955-2133 ex 526

*Health Insurance Michael A. Moran, CIC (941) 955-2133 ex 526

* AFLAC Contact; Jennifer Foss (941).286.8010 / Fax 941.237.4876

*Chokshi Accounting & Tax Services, Inc. Dinesh Chokshi (407) 332-8311 Fax (407) 332-7111

Gasoline station commercial loans Evan Rabinowitz Direct: (646)-405-5944 • Cell: 917-208-6936

*ATM EXPRESS contact: Linda Stewart or Keith Howard Toll Free (888) 600-4368

*RPM Inc. Receipts-Printing-Marketing Bill Page (727) 443-1442 (800) 398-0987

GASOLINE SUPPLIER

Lewis & Raulerson, Inc.

P. O. Box 59

Waycross, Georgia 32502

912-283-5951 Office

Serving

North Florida, Georgia,

Alabama, South Carolina,

INVESTIGATIVE SERVICES

Corporate Defense Strategies Inc. / Information Research Specialist Inc.

Corporate Defense Strategies / Information Research Specialist provides national and worldwide services. We are a full service private investigation firm that is licensed, bonded and insured. Our principle investigator has over twenty-five years experience in loss prevention and corporate security.  Our investigators are also experts in corporate theft investigations, background checks, interview & interrogations / skip tracing and major asset investigations / judgment recovery.  In addition, CDS is a member of many national investigative associations.

Toll free (888) 361-3800

Fax - (407) 324-9856

e-mail- CDSInvest@

Web Site- Corporate Defense Strategies Inc.

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

If anyone has any R12 Freon in storage, IDPS Group is paying $15 dollars per pound for R12 Freon virgin or reclaimed any size amounts.

Contact Ken Broudy Office: (407) 324-5422 & (407) 383-9889 Cell E-mail: idpsgrp@

Gasoline Retailers Association of Florida

Welcomes All New Members

Membership Does Not Cost, It Pays

Consumer Advocates, LLC

Amy Cottrill, Owner

Titilayo “T” Cogdell, Manager

321-352-0607

941-773-8758

E mail acottrill4@

A Medwaiver provider for companion, respite, PCA and in home support services. "Our passion is to help individuals with disabilities and the elderly".

Serving Seminole, Orange, Osceola and Brevard.

For information contact: Amy Cottrill or Titilayo “T” Cogdell @ 321-352-0607 or 941-773-8758

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

‘Angels Among Us’

Presents

The Best Of

‘Angels Among Us’

With Unique Special Angels of all Ages

Cast:

Lisa Cioffi - Frank Corso

Produced and Directed by

Elsie Doughty

A must-see!

For information, please contact

Elsie Doughty @ (321) 948-4998 or

Pat Moricca @ 407-774-9700

‘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.

****************************** SHOW TIME *******************************

Sunday November 16th 2014

St. Augustine Catholic Church

375 N Sunset Dr.

Casselberry, FL 32707

Show Time 3:00 PM (doors open 2:15 PM)

No Charge -- Donations Welcomed

Presents

'Angels Among Us'

A group of physical & special challenged people to perform with their

professional instructors of song, dance, comedy & good news.

Contact Information (407) 774-9700 or (407) 695-3262

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$10____ $15____

$20____ $50____

$100____other____

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