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CXV Edition February 2009

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.

High Gasoline Prices Again?

In the first week of 2009, wholesale gasoline price increase was approximately 25 cents a gallon. Don’t let OPEC; oil companies and Wall Street dictate the prices. The public should keep the pressure on our elected officials.

Hostile countries are in an economic freefall and new technologies for powering our autos are expanding every day. ExxonMobil and the major oil companies record profits, fancy charts, supply and demand are working overtime.

Pat Moricca The consumer has felt the pain of outrageous high gasoline prices and should continue conserving. The time is now to tighten our belts and let OPEC, the oil companies and Wall Street know before outrageous high gasoline prices.

Each time gasoline prices rise, the consumer should drive less and maybe OPEC and the oil companies will get the message. The consumer has the strongest message to lower gasoline prices, conserve.

Chevron’s third-quarter reports ended with Chevron Corp, which more than doubled its profits to $7.9 billion while the U.S. and world economies slid toward recession, said Consumer Watchdog. “These profits show the extent of the oil industry’s vampire attack on a weakened economy,” said Judy Dugan, research director of the nonprofit, nonpartisan Consumer Watchdog. “Fuel and energy prices bled away the reserves of family budgets and corporate treasuries. Energy inflation deepened the effect of the financial markets’ meltdown. We shouldn’t be lulled into thinking it won’t happen again.”

Chevron’s third-quarter profit nearly equals its $8.2 billion profit for all of 2003, the year in which the major oil companies began their steady march of new record profits, said Consumer Watchdog.

Chevron also noted margins for refined products such as gasoline declined markedly from the third quarter to the fourth.

With prices plunging, Chevron and its competitors simply haven't been making as much money as they did during the spring and summer. Chevron recorded a third-quarter profit of $7.89 billion the most for any three-month period in its

129-year corporate history. ExxonMobil Corp., the world's largest publicly traded oil company, reported income of $14.83 billion for the same period, breaking its own record for the biggest profit from operations by a U.S. corporation.

Exxon Mobil shatters US record for annual profit

Exxon Mobil Corp. on Friday January 30th reported a profit of $45.2 billion for 2008, breaking its own record for a U.S. company. The previous record for annual profit was $40.6 billion, which the world's largest publicly traded oil company set in 2007. Irving, Texas-based Exxon said net income slid to $7.8 billion in the October-December period. That compared with $11.7 billion in the same period a year ago, when Exxon set a U.S. record for quarterly profit. It has since topped that mark twice, first in last year's second quarter and then with earnings of $14.83 billion in the third quarter 2008.

More Major Mergers?

Industry analysts speculate over ExxonMobil buying Shell, Shell buying BP

New York -- Remember the old children's song that goes "there was an old lady who swallowed a fly"? She then swallows a spider to eat the fly, a bird to eat the spider, a cat to eat the bird and so on. A scenario reminiscent of that could play out with the major oil companies. Among other economic predictions for 2009, Business Week is predicting more petroleum-industry mergers. The publication said, "With the rapid collapse of oil prices, and the resulting financial pressures, expect two or more mergers among Big Oil. Our best guess? Royal Dutch Shell buys troubled BP, in part to avoid regulatory issues that could come from merging with a U.S. oil company."

But yet another major merger could be brewing, according to . With ExxonMobil "sitting on a massive pile of money," and thanks to record oil prices over the last few years and a cautious investment strategy that drew fire from critics, the company has nearly $40 billion in cash reserves. It has another $225 billion in repurchased stock tucked away. "That's enough money to pay a nearly 60% premium, in cash, for every share of its next largest competitor--Royal Dutch Shell," it said.

"It's not if, it's when and which [company]," Fadel Gheit, a senior energy analyst at the investment bank Oppenheimer, told the website. Gheit is in the minority of oil analysts, said the report, but he is still convinced ExxonMobil's target will be one of the big oil firms.

"When Exxon came calling last time, they didn't dial the little guys," he added, referring to the 1999 takeover of Mobil, then the country's second-largest oil company. "It has to be a big one in order to move the needle."

Shrewd management has put Exxon in this position to buy, CNNMoney said. Over the last five years, oil companies worldwide have scrambled to develop new projects to take advantage of oil's rising price, often paying exorbitant sums for leases, drilling rigs and other assets needed to bring crude to market.

But not Exxon. Although criticized for not doing enough to pump more crude, the company has maintained the price spike was temporary, and that it would not overpay for projects. The position has paid off, said the report. With crude prices crashing, many oil firms are now deep in debt and stuck with expensive projects.

For ExxonMobil, taking over another big firm would give it much-needed oil reserves in a time when the multinational oil companies find themselves increasingly locked out of the best new oil plays by national firms like Russian's Gazprom, Saudi Arabia's Aramco or Venezuela's PDVSA. It would also give it more financial muscle when negotiating with these governments, said the report. "A deal with Shell might be particularly sweet for Exxon's ego," CNNMoney said.

The two firms have been archrivals since the early days of the oil barons, with the Anglo-Dutch Shell and John D. Rockefeller's Standard Oil, which spawned Exxon, going head to head in markets around the globe. Competition and price wars were fierce, and several times during the late 1800s and early 1900s men in gray suits crossed the Atlantic looking to strike a deal between the world's two giant firms, to no avail.

"Ultimately, Exxon will do something with this money," Blake Fernandez, an integrated oil analyst at the New Orleans-based investment bank Howard Weil, told the website. "But why would they buy someone with the same growth problems they've got?"

ExxonMobil itself has certainly left the door wide open to doing any or all of the above, the report said. "We're watching the valuations of a broad range of companies, just as we've done all the time," ExxonMobil head Rex Tillerson told reporters at a recent industry gathering. "Just have to wait and see."

These mergers should not be approved by the Federal Government and create less competition and lead to higher gasoline prices. We had enough mergers and the results were high gasoline prices and outrageous record profits since the mergers.

EIA projects average price for regular in 2009: $1.87

Economic contraction in 2009 and lower projected crude oil prices are expected to reduce annual average retail gasoline and diesel fuel prices in 2009 to $1.87 and $2.27 per gallon, respectively, according to the latest Short-Term Energy Outlook issued by the Energy Information Administration.

Average monthly U.S. prices for regular gasoline and diesel fuel were $1.69 and $2.45 per gallon, respectively, in December 2008, more than $2.25 per gallon below their monthly peaks last July, the EIA noted in its Outlook.

Regular-grade gasoline prices averaged $1.68 per gallon on January 5, down substantially from their July 14 peak of $4.11 per gallon. These prices are projected to average $1.87 per gallon in 2009 and $2.18 per gallon in 2010. Because of lower motor gasoline consumption, the difference between the retail gasoline price and the cost of crude oil is expected to remain narrow for much of 2009 but is expected to increase slightly in 2010.

Crude Oil Uneasy Mideast

Israel's ground offensive in Gaza pushed oil prices up, but some analysts say there's more than just unrest in the Middle East behind the rally; also the reduction in OPEC.

Energy consultancy Cameron Hanover said some traders like to point to violence in the Middle East as a cause of higher oil prices, but the reality is slightly different.

"Any time that prices react by moving higher, in response to violence in the Middle East, particularly in non-oil producing countries like Israel or the Palestinian territories next door, it is a good sign that the market wants to move higher".

Phil Flynn, an analyst at Alaron Trading Corp. in Chicago, "Would we really be concerned about these geopolitical issues as it relates to oil if we didn't think that the demand was going to improve somewhat in the coming year? Probably not," Flynn said.

Adam J. Robinson, director of commodities at Armored Wolf L.L.C., a hedge fund said he was unconvinced that oil and gasoline prices would go back up for long. “I think it is too soon to call a bottom in oil or gasoline because demand is falling faster than OPEC is cutting,” he said.

Goldman Expects ‘Weak’ Demand to Dominate Oil Market

Goldman Sachs Group Inc. said “weak underlying economic fundamentals” will dominate the oil market as it maintained its forecast that prices will fall to $30 a barrel this quarter. Oil inventories in Organization for Economic Cooperation and Development nations will likely rise to a 10-year high in the next two months, Goldman analysts Giovanni Serio and Jeffrey Currie said in a note to clients.

“The ongoing market surplus will likely continue to drive inventories higher,” Goldman’s analysts said. “Weak demand and large surpluses will dominate, pushing prices lower.” Crude futures fell below $40 a barrel in New York on speculation that the first simultaneous recession in the U.S., Europe and Japan since World War II will continue to shrink energy demand worldwide.

With holding tanks on land filled to capacity, The New York Times reports fully loaded supertankers carrying oil are cruising the seas or anchoring, being used as auxiliary storage while their owners await a rise in price. The lack of space to store burgeoning crude inventories and another major energy group predicting demand will fall again this year

Prices have recovered from a four-year low of $32.40 reached on Dec. 19 2008 amid fighting between Israel and Hamas, the dispute over gas exports between Russia and Ukraine. And below- normal winter temperatures in Europe. The support from these events will likely be “transient,” according to the report.

Here are some headlines in 2008

Chevron Doubles Profit –Exxon, Shell Post Record Profits - BP's 3rd Qtr Profit $10+ Billion – ConocoPhillips Doubles Profit - Chevron: Drill Less, Profit More - Exxon: 'Pumping Cash, Not Oil'

Hundreds of Florida gasoline stations face closure over new tank rule

Tallahassee, Fla. -- Hundreds of gas stations around the state of Florida may be forced to shutdown because of a new insurance regulation that requires them to have a double-walled underground gasoline storage tank by the end of the year even though the new tank deadline is not until Dec. 31, 2009. Insurers have already begun cutting off station owners who will not or cannot upgrade to the new tanks which can cost from $200,000 to $400,000.

It is illegal to operate in Florida without pollution insurance; approximately 20% of the state's 8,000 to 9,000 stations have yet to make the change.

If a mom-and-pop or any gasoline station where the margins are slim and low volume, it's not worthwhile for them to spend $250,000 to $300,000 to upgrade their tanks. Some will shut down and just run the convenience store and some will go out of business. There will be more and more casualties by the end of the year.

Panel Proposes Federal Gas Tax Hike

Washington -- A 15-member panel created by Congress is urging lawmakers to increase the federal gasoline and diesel fuel taxes by 50 percent to finance highway construction and repairs, until the government devises another way for motorists to pay for using public roads, the Associated Press reported.

In a report scheduled for late January, the National Commission on Surface Transportation Infrastructure Financing is expected to recommend raising the gasoline tax by 10 cents a gallon and the diesel fuel tax by 12 to 15 cents a gallon. It will also advise that fuel tax rates be tied to inflation. The commission will also recommend states raise fuel taxes and make greater use of toll roads and fees for rush-hour driving.

As motorists drive less and buy less fuel, the current tax rates of 18.4 cents per gallon for gas and 24.4 cents a gallon for diesel do not raise enough money to keep pace with the cost of road, bridge and transit programs, the AP reported. The annual gap between revenues and investments needed to improve systems was roughly $105 billion in 2007, and will increase to $134 billion in 2017 under current trends, according to a study by the Transportation Research Board of the National Academies. Commission members argued the government must find funds somewhere.

"I'm not excited about a gas tax increase, but the reality is our current gas tax doesn't pay for upkeep of the system we have now," Adrian Moore, vice president of the Reason Foundation, a libertarian think tank and a member of the highway revenue commission, told the AP. "We can either let the roads go to hell or we can pay more." A draft of the commission’s recommendations called for creating a new system where motorists are taxed according to how much they use roads.

Charles Whittington, chairman of the American Trucking Associations (ATA) supports a fuel tax increase as long as the money goes to highway projects, according to the report.

Controversy boils at idled refinery

Some say Shell Oil is trying to use its leverage to put the plant it sold to Big West in 2005 out of business.

Shell Oil Co. is putting the squeeze on a financially troubled Bakersfield refinery it sold in 2005 to Big West Oil, which could lead to the closing of the operation and potentially higher gasoline prices for California motorists, according to consumer activists and a union representing plant workers.

Concern about the facility's fate has been growing since Big West's parent -- Flying J Inc. of Ogden, Utah -- filed for Chapter 11 bankruptcy protection Dec. 22. The company shut down the Bakersfield refinery soon afterward for what it said would be 10 days of routine maintenance. But the plant has yet to come back on line, fueling speculation that Flying J was having trouble securing credit from its suppliers, including Shell, to keep the refinery running. Kevin Cable, committee chairman for the United Steelworkers, singled out Shell as one of the main obstacles to the reopening of the plant. In a memo to refinery workers, he said Shell was demanding onerous payment terms from Big West to resume crude deliveries and that it had closed pipelines to the facility, preventing shipments from other suppliers. "It appears that Shell is trying to shut our plant down," the memo said.

Kollatschny said Shell was owed "tens of millions" of dollars by Big West as part of the bankruptcy proceeding. He said talks were ongoing and that Shell wanted to work out a deal to get the crude flowing again. Consumer activists are skeptical. Shell is the former owner of the Bakersfield refinery. The Santa Monica activist group Consumer Watchdog sent letters to Sen. Barbara Boxer (D-San Francisco), California Atty. Gen. Jerry Brown and Treasurer Bill Lockyer asking them to investigate whether Shell or any other major oil companies were using their financial leverage over Big West to keep the firm from reopening the plant. "Shell Oil may be deliberately manipulating the supply in order to force the refinery to shut down," the letter said. "Californians can't afford high gas prices stemming from refinery closures."

Valero keeps low gasoline output levels on weak margin

New York - Top U.S. refiner Valero Energy Corp. said it was maintaining low gasoline production levels at its refining system because of poor motor fuel demand and profit margins.

"At Valero, we are managing our run rates according to market demand," Bill Klesse, Valero chairman and chief executive officer, said in the company's earnings release.

"Across our system, the average utilization rate at our fluid catalytic cracking units is currently in the range of 70 percent to 75 percent of capacity," he added.

In mid-December, Valero said it was deepening its gasoline output cuts to 70 to 75 percent capacity that month, from a range in the mid-80s earlier, saying it would keep to the lower production levels until gasoline margins recover.

Visa Requires all New Fuel Pumps to Support Triple DES

New York -- Starting Jan. 1, Visa Inc. is requiring all new fuel-dispensing machines being installed at gas stations around the U.S. to support the Triple Data Encryption Standard, a mandate designed to make it harder for identity thieves to steal debit card data from gas pumps by shielding the personal identification numbers (PIN) of customers, according to a report by .

Card-skimming devices placed on gas pumps have been used to compromise payment card data in the past, such as the 2005 examples of both Wal-Mart and Sam's Club, the report stated.

Visa is now requiring all gas retailers to ensure any newly installed pump with the capability of processing debit card purchases are equipped with an encrypting PIN pad, or EPP, that supports Triple DES. This requirement is expected to be mandated by the PCI Security Standards Council in the future.

Additionally, retailers have until July 1, 2010, to ensure all of their existing pumps are upgraded to support Triple DES.

Alert: In hard times, counterfeiting increases

Here is a recipe for making money the literal way: bleach one-dollar notes until they are blank, and use a high-end photocopier to reproduce the image of a $10 note onto the washed out singles. That’s how some counterfeiters do it, petroleum-convenience operators need to exercise vigilance to avoid being taken at the till.

Counterfeiters passed $64.4 million in fake cash into the economy in 2008, a 5 percent increase over 2007 and also a five-year high, a spokesman for the Secret Service told the newspaper.

Who is doing it? Besides the criminal element, students and working people are among those creating counterfeit notes, to pay for things like a pizza or gasoline to get to work, a Secret Service special agent told the newspaper; reports of fake bills spiked in 2008 when gasoline prices hit record highs.

What can petroleum operators do to protect themselves? Note validators, designed to scan and determine the validity of currency, can help operators avoid being taken. A number of companies market safe systems with bill validation capabilities that can work in conjunction with point-of-sale systems to control cash register drawers. If the validator rejects a note as inauthentic, the POS system will not allow the cash drawer to open, thereby preventing the cashier from making change.

But store employees must be trained how to respond when the validator rejects a customer’s note as inauthentic. Suppose a customer dispenses $50 worth of gas and hands the person at the register a $100 bill that is rejected by the validator. Ed Grondahl of Tidel Engineering recommends that the employee ask for a credit card. If the customer has no card then the employee can ask for the customer’s driver’s license number, write that down “and let them go away with the $50 in gas,” Grondahl said. “If they never come back it’s better than giving them $50 in change on top of the $50 in gas.” In dealing with the customer whose note has been rejected, “Don’t accuse them of being a counterfeiter,” Grondahl emphasized. “That’s too dangerous. Just return the money.”

Surveillance cameras can be valuable in such circumstances. If the store has them, the interaction will have been recorded, Grondahl said, and can be reviewed for follow-up action.

Gas station owners face a balancing act!

They must try to maintain a price that allows them to afford the next shipment of gasoline. Quinn Cassidy, an independent gasoline retailer in Slidell, La., said his profit margin on a gallon of gasoline has improved since the summer, when he and others sometimes made pennies per gallon. "Why isn't it OK for me to make money?" Cassidy said.

Heartland Payment Systems Uncovers Malicious Software In Its Processing System

Princeton, NJ: Payments processor Heartland Payment Systems has learned it was the victim of a security breach within its processing system in 2008. Heartland believes the intrusion is contained. "We found evidence of an intrusion last week and immediately notified federal law enforcement officials as well as the card brands," said Robert H.B. Baldwin, Jr., Heartland's president and chief financial officer. "We understand that this incident may be the result of a widespread global cyber fraud operation, and we are cooperating closely with the United States Secret Service and Department of Justice."

No merchant data or cardholder Social Security numbers, unencrypted personal identification numbers (PIN), addresses or telephone numbers were involved in the breach. Nor were any of Heartland's check management systems; Canadian, payroll, campus solutions or micropayments operations; Give Something Back Network; or the recently acquired Network Services and Chockstone processing platforms.

After being alerted by Visa® and MasterCard® of suspicious activity surrounding processed card transactions, Heartland enlisted the help of several forensic auditors to conduct a thorough investigation into the matter. Last week, the investigation uncovered malicious software that compromised data that crossed Heartland's network.

Heartland immediately took a number of steps to further secure its systems. In addition, Heartland will implement a next-generation program designed to flag network anomalies in real-time and enable law enforcement to expeditiously apprehend cyber criminals.

Heartland has created a website to provide information about this incident and advises cardholders to examine their monthly statements closely and report any suspicious activity to their card issuers. Cardholders are not responsible for unauthorized fraudulent charges made by third parties.

Luis Konski, P.A. Petroleum Marketing Practices Act Federal Statute (PMPA)

Fowler Rodriguez Valdés-Fauli Motor Fuels Marketing Practices Act Florida Statute (MFMPA)

355 Alhambra Circle, Suite 801

Coral Gables, FL 33134 Direct: 786.364.8418

lkonski@frvf- Fax: 786.364.8401

Barry S. Balmuth, P.A.

Centurion Tower-Eleventh Floor

1601 Forum Place, Suite 1101

West Palm Beach, Florida 33401

For complete information go to

or contact toll free 866-452-9400

Residents trying to hang onto their homes in a working-class neighborhood of New London, Conn., are waging a battle in the Supreme Court over their city government's attempt to seize property for private economic development. Susette Kelo and several other homeowners filed a lawsuit after city officials announced plans to bulldoze their residences to clear the way for a riverfront hotel, health club and offices. The residents refused to move, arguing it was an unconstitutional taking of their property.

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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.

7% Dividend for Gasoline Retailers Association of Florida – Meadowbrook Workers’ Compensation program on paid premiums

Membership Does Not Cost, It Pays

Compatible Software Systems of Florida

*How would you like to raise the ACTUAL PROFIT in your store by 10%?

*How would you like to know EXACTLY how much you are making in your store every day?

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We are your complete service station and convenience store back room scanning systems provider. Let us show you how easy these things can be.

For more information contact Kevin Headlee today.

E mail: cssfl@ or 941-650-8920

Wayne Dresser Gasoline Station Maintenance and Repair

Wayne Services Group (WSG) is an Authorized Service Organization that provides maintenance and repairs for Wayne dispensers and POS systems at retail gasoline stations throughout Southeast Florida for many years.

Working on both Wayne and non-Wayne equipment Wayne Services Group of dedicated and certified Service Technicians help station owners and managers keep their fueling equipment and POS systems up and running 24/7.

WSG is certified on all Wayne dispensers and POS systems and many other manufactured products used by today’s service stations.

Pricing and monthly service contracts, contact Brian D’Souza at: 954-742-1735 ext 101.

brian.d’souza@

Gilbarco Veeder Root Gasoline Station Maintenance and Repair

Guardian Fueling Technologies is an Authorized Service Organization that provides maintenance and repairs for Gilbarco Veeder Root and POS systems at retail gasoline stations throughout Southeast Florida.

Working on Gilbarco Veeder Root and non- Gilbarco Veeder Root Equipment and Project Sales Guardian Fueling Technologies certified Service Technicians help station owners and managers keep their fueling equipment and POS systems up and running 24/7.

For information contact Carlos Fox at: 954-432-0622 Cell: 954-536-6145

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American Equipment Finance

258 King George Road

Warren, NJ 07059

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 ext 202

E mail lbaccaro@ Web site

Affordable ‘Health Insurance’ Program LOOK

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 free1-800-253-8036 ext 200 or Pat Moricca @ 407-774-9700

WatchDog

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Florida-New Jersey-Connecticut-Maryland-Pennsylvania

Simple Pump Calibration Identify Bad Meters

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*What is “Real Time” Calibration?

*What is The Definition of Calibration?

*Why is “Real Time” Pump Calibration Important?

*Does Simple Pump Calibration Identify Bad meters?

*Calibration is NOT new, it is the high cost of fuel that’s new!

How Much is Your Station Losing

The Solution! Contact Kevin Madison 800-322-0106

P.O. 138426 Clearmont, Florida 34713

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

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 .

Contact Larry G. Schmaltz, P.E. @ 813-248-8558, ext 305

Insurance Office of America

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 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

“The Official Insurance Broker of the Jacksonville Jaguars”

Any eligible businessman or woman, who joins, and participates in on-going programs, will find that his/her savings in overhead costs will more than justify the dues that each member pays.

Membership Does Not Cost, It Pays

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______________

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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@

Equipment for Sale

All items except the water filter are used but in good condition.

1. Wall mounted Elkay water coolers Model EBFSA81D

2. 3 Head Bunn Cappuccino Machine Black Cabinet Model FMD3

3. Qty 5 Coffee Air pots with stands Luxus 1 Gallon Model L35-10

4. Creamiser 2 product refrigerated cream dispenser Model 200

5. Countertop Stainless Steel Cup Dispenser with cup holder tubes

6. Bunn 2 flavor Gourmet Ice frozen slush dispenser Model CDS 2----Sold

7. Everpure Model EV9328-06

Water Filter System for a combination of drink machines, ice maker and coffee this will treat the water for an entire store setup!

Combination system provides quality ingredient water for fountain, coffee and ice machines.

New and improved MC2 cartridges feature Micro-Pure media II with antimicrobial protection to inhibit any potential bacteria growth.

System features three quick-change MC2 filter cartridges, a 20" coarse prefilter, and an SR-X Scale Reduction Feeder.

Manifold features water shut-off, flushing valve, inlet and outlet pressure gauges.

Capacity:  27,000 gallons (102,600 L) Flow Rate: 5.7 GPM

Certifications: NSF 42, NSF 53 This item is new in box

We would sell all as a package or individually.

Contact Kevin Headlee * Creekwood Crossing BP * Cell 941-650-8920 * Office 941-756-2458 * Fax 941-755-8521

creekwoodbp@

SUPPORT ASSOCIATE MEMBERS WHO SUPPORT OUR ASSOCIATION

Benefits Now LLC Health Ins. for information contact Sharon W. Cockrell @ Toll free1-800-253-8036 ext 200

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

*Insurance Office of America 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 Len Baccaro @ (800) 785-3060 ext 202

WatchDog Pump Calibration LLC P.O. 138426 Clearmont, Florida 34713 Contact Kevin Madison 800-322-0106

Wayne Services Group (WSG) Wayne Dispensers 5150 NW 109th Ave Suite 1 Sunrise, Fl 33351 Brian D’Souza 954-742-1735 ext 101

Guardian Fueling Technologies Gilbarco Dispensers 1883 W. State Road 84 Suite 106 Ft. Lauderdale, FL 33315

Carlos Fox (954) 432-0622

GASOLINE SUPPLIERS

Art McKee

Lewis & Raulerson, Inc.

P. O. Box 59

Waycross, Georgia 32502

(863) 401-3937

Eduardo Rodriguez

Macmillan Oil Company Of Fl. Inc.

2955 east 11 avenue

Hialeah, Fl. 33013

Office (305) 691-7814

Cell (305) 283-8580

GASOLINE RETAILERS ASSOCIATION of FLORIDA

WELCOMES ALL NEW MEMBERS

MEMBERSHIP DOES NOT COST, IT PAYS

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 Tammy Schlier Krystn Faller

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.

There are no seven wonders of the world in the eyes of a child. There are seven million. ~Walt Streightiff

Join the Gasoline Retailers Association of Florida and help Keep Below Cost law

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

The 2009 Florida Legislative Session will convene on March 3rd 2009.

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