EptemberThe - Angelfire



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

CXLVII Edition October 2011

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

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

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

Inventory and refiners?

It seems odd that when gasoline inventory is down, wholesale gasoline prices increase! When refiner output is down, wholesale gasoline prices increase! When inventory and refiner out-put is up; prices decrease. The oil companies control both the gasoline inventory and the output of the refiners? The wholesale gasoline price changed 20 times in September.

U.S. Summer Gasoline Demand Falls to Eight-Year Low

NATIONAL REPORT -- Even in the height of vacation season, U.S. drivers didn't go as far this summer, with high fuel prices causing gasoline demand to fall to the lowest level since 2003, according to a Reuters report.

Data provided by U.S. Energy Information Administration (EIA) showed that drivers pumped an average of 9.17 million barrels of fuel per day from the first week of June to the first week of September, with summer-long demand falling 1.8 percent from 2010, according to Reuters calculations based on four-week average consumption over the 14 weeks of summer.

Rising fuel prices from February to May culminated in an average price of $3.62 for a gallon of gas this summer, $1 higher than 2010, according to EIA data.

June gasoline demand was the highest in two years, thanks to prices falling from their May highs, but fuel prices rose again in July, and the following month saw the lowest August gasoline demand since 2001.

EIA data also showed a 1.94-million-barrel build in gasoline stocks last week against forecasts for a 500,000-barrel drawdown, according to the report. Following the release of the data, U.S. gasoline futures fell more than 2 percent to a five-week low.

Exxon Mobil spent $3.81M on lobbying in 2Q

WASHINGTON -- Exxon Mobil Corp. spent $3.81 million in the second quarter to lobby the federal government on offshore oil drilling and other issues, according to a disclosure report.

That's up from the $2.52 million that the oil giant spent in the same period a year ago and the $3.01 million it spent in the first three months of the year. The Irving, Texas Company also lobbied the federal government on legislation involving regulation of air and water quality, toxic substances, greenhouse gases, cyber security and new drilling techniques, according to the report filed on July 20.

Since the BP oil spill in 2010, Exxon has led an industry effort to build a response network of drill ships and emergency equipment that can respond to another blowout in the Gulf of Mexico. The government lifted its moratorium on deepwater drilling this year in part because of new security measures like that.

Exxon hasn't traditionally been one of the major players in Gulf of Mexico drilling, but in June the company said it tapped a series of oil deposits in the gulf that could be one of the largest discoveries in years. Its exploration project 250 miles southwest of New Orleans could yield as much as 700 million barrels of recoverable oil and gas equivalent.

In the April-to-June period, Exxon Mobil lobbied Congress, the departments of the interior, state, defense, treasury, education, commerce, the Bureau of Land Management, the Council on Environmental Quality, the Environmental Protection Agency, the Office of Management & Budget, the U.S. Forest Service, according to the report filed in July with the House clerk's office.

Gas Thief Caught In Siphoning Act

SEPTEMBER --Driving a minivan outfitted with a generator-powered vacuum system, a Florida man yesterday surreptitiously siphoned 250 gallons of gasoline from a Citgo outlet before the station’s owner became suspicious and called cops.

When Broward County sheriff’s deputies arrived at the Oakland Park gas station, they arrested Yoenis Cristo Banos, 28, on a felony grand theft charge. A search of Banos’s Dodge Grand Caravan revealed that the vehicle’s rear seats were removed and replaced with three huge plastic tanks and a generator used to power the illegal siphoning system. One of the plastic drums held 255 gallons of diesel fuel, valued at $1019.75, according to a sheriff's report.

Allegedly parked the van above a compartment leading to the underground vaults storing the Citgo station’s fuel supplies. He then somehow dropped hoses into the reservoir and began sucking up the diesel fuel into the van’s plastic tanks.

When Broward County Sheriff’s Office deputies discovered the large amount of gasoline inside the van, a hazardous materials team was called to the station to remove the diesel fuel.

After being booked on the grand theft charge, Banos was freed from custody after posting $1000 bond. It is unclear what the unemployed Hialeah resident planned to do with the stolen gas.

Be vigilant and if you suspect something looks suspicious (a van or a trailer parked over your storage tanks), call police and copy the vehicles tag number. Florida has had many cases of stealing gasoline from gasoline stations while the station was open.

Chevron Reaches Proposed Settlement With California AG Over USTs

Would require oil co. to maintain compliance, training program, monitoring database, more

SACRAMENTO, Calif. -- California Attorney General Kamala D. Harris has announced the filing of a proposed $24.5 million settlement with Chevron U.S.A. Inc. and Chevron Stations Inc. The proposed settlement will resolve law enforcement allegations that the companies violated state laws governing hazardous materials and hazardous waste by failing to properly inspect and maintain underground tanks (USTs) used to store gasoline for retail sale.

A statewide investigation found violations of hazardous materials and hazardous waste laws and regulations at 650 gas stations in 32 counties across the state.

The parties have agreed to resolve the matter, and have submitted to Alameda County Superior Court a proposed final judgment that would impose a permanent injunction on the defendants. The hearing on the motion for judicial approval of the settlement is scheduled for September 29.

If approved by the court, the settlement would require Chevron to maintain a statewide compliance program, which includes a training program for employees and a database to track how USTs are monitored, among other requirements.

"There must be accountability and consequences when the environment is compromised and innocent people are potentially exposed to hazardous materials that could endanger their health," Harris said. "This settlement accomplishes both, and will protect Californians by mandating a compliance program for Chevron's underground storage tanks."

Chevron spokesperson Sean Come told EMoney Daily, "We have taken the appropriate actions to address the situations related to this issue and will work to avoid similar occurrences in the future. To fully understand the situation, it is important to note the majority of the incidents were technical violations, such as improper paperwork. None of the violations involved any risk to human health or the environment."

Proposed Bill Would Roll Back Florida Ethanol Requirements

FORT WALTON BEACH, Fla. -- Florida State Rep. Matt Gaetz (R-Fort Walton Beach) proposed a bill last month that would repeal the Florida Renewable Fuel Standard Act, according to a Northwest Florida Daily News Report.

The law, which went into effect Dec. 31, 2010, requires all gasoline sold or offered for sale in Florida by a terminal supplier, importer, blender or wholesaler contain nine to 10 percent agriculturally-derived denatured ethanol fuel by volume. There is a list of fuel sold or used for specific purposes that is exempted from the law, according to the report.

Gaetz claims that the act "has really had some negative consequences." His bill, HB 4013, would go into effect July 1, 2012 if voted into law.

Visa Boosts Prepaid Interchange Rates 

The new interchange schedule takes effect October 1, and the biggest increase in the Visa-branded prepaid categories is for automated fuel dispenser transactions.

GLEN ELLYN, IL – On October 1, Visa’s interchange schedule is set to take effect on October 1, the day new federal debit card interchange price controls also become effective, reports .

The card company is also planning to cut a few rates “for non-regulated debit issuers but clearly encourages issuers to pump out more prepaid cards. Visa also is eliminating volume-based tiers for supermarkets and retailers on its signature debit cards and Interlink PIN-based debit cards.”

The news source writes that Visa’s new schedule adjusts rates in 19 interchange categories for Visa-branded prepaid cards, with most of them increasing. The basic retail rate, for example, will go from 0.95% plus 20 cents to 1.15% plus 15 cents. On a typical $38 debit card sale, that rate will generate 5% more in interchange: 59 cents versus 56 cents under current rates.

“The biggest increase in the Visa-branded prepaid categories is for automated fuel dispenser transactions, where the rate will go from 0.75% plus 17 cents, with a 95-cent cap, to 1.15% plus 15 cents, with the cap remaining. On a $50 fill-up, the merchant will pay 73 cents versus 55 cents currently, an increase of 33%,” reports the news source, adding that service-station prepaid transactions will boost interchange by 29% on a $38 sale.

Visa is also raising interchange rates for small transactions. “The Visa-branded signature and prepaid small-ticket rates will go from 1.55% of the sale plus 4 cents to 1.6% plus 5 cents, which means a 15% increase on a $2 sale and a 9% increase on the $8 sale typical in fast-food restaurants,” writes the news source.

Gas Spending Nears Record Level

LOS ANGELES -- Anyone with a car has suffered from sticker shock when pulling up to the gas pump this year, so it should be no surprise that U.S. drivers could spend a record $491 billion for gasoline this year.

"The 30 days between now and mid-October will be the most hospitable days in the country for dropping prices," said Tom Kloza, chief oil analyst for the Oil Price Information Service (OPIS), who came up with the $491 billion estimate. "But then, the drumbeats will start about fears of a second Arab Spring [of political unrest]. Demand outside of Europe and the U.S. continues to rise. By spring, Americans will be wrestling with $4 gasoline in a lot of markets."

As the newspaper reported, the average price is noticeably below the all-time high set in 2008 when it cost drivers $4.114 a gallon to fill up their tanks. However, overall, drivers have spent more for fuel this year than three years ago because prices have risen faster in 2011 and stayed high longer.

Energy Department statistics show that gasoline demand in the United States is running 157,000 barrels a day below 2010 levels. At the same time, gasoline stocks in the country are down 16.3 million barrels below last year, at 208.8 million barrels, even though refinery outputs are high.

Rising inventories in periods of weak demand are one of the things that drive retail prices lower, but the refined fuels aren't staying here; they are going overseas, the newspaper noted.

"We do know that there have been more sales overseas this year compared to previous years," said Gregg Laskoski, a senior petroleum analyst for . "That has been most evident in the Midwest. When we look at the BP Whiting refinery in Indiana, which is one of the largest in the country, you see the output is strong, yet we are still seeing a lot of high prices in the markets this refinery is serving.

"It's troubling for consumers to try to reconcile the high price they see at the pump when the seemingly local refineries that served them in the past are now outsourcing more of their products overseas," he added.

Is Big Oil Losing its Drawing Power?

For many, many years the power of the Big Oil brands was indisputable. They owned the refineries, the stations and the credit card networks to boot. In the days of the mid-70s and early 80s, gasoline cards were a status symbol.

But the times have changed. Big Oil gas cards have given way to incentivized Visa and MasterCard credit cards. This transition has eroded the loyalty, an entire generation of consumers had for its locally branded service stations. In fact, while customers gravitate toward the credit card rewards programs, oil companies are getting the double whammy. As customers look to earn rewards they are using cash less and charging more. Estimates are that more than 80% of fuel transactions are done via credit cards, which is having a negative impact on fuel margins and profits. The card companies then charge the merchants to fund the rewards programs. It’s a vicious cycle with the card companies always coming out on top. But that’s an entirely different story.

The bigger question that needs to be asked is; what is the real value of a Big Oil fuel brand these days?

Determining Brand Equity:

Clearly, in Altoona, Pa. Sheetz has established a go-to brand that is spreading to new Southern markets. Similarly, Wawa, as reported, acquired a dozen properties in the Orlando-Tampa, Fla. markets. They seem pretty confident as well that they can win over customers when competing head-to-head with the big fuel brands.

The same can be said about the large regional players with a booming fuel business: RaceTrac, QuikTrip, Maverik, Kwik Trip, EZ Mart and many others. This is hardly limited to larger chains. Companies with less than 100 stores are also thriving in head-to-head competition with Big Oil something that was unfathomable just a decade ago.

Nice N Easy, Family Express and MotoMart are just a few of the chains with a strong proprietary fuel offering. It’s also hard to envision a highway without a Big Oil brand, but it certainly looks like private brands own the local roads, and the trend is rapidly expanding in all regions of the country. Can Big Oil regain some of its luster?

What’s Up With Coffee Prices? 

Much like the oil market, speculators are likely a driving force behind high coffee prices.

WASHINGTON – When gas prices go up, it’s because oil is trading high on Wall Street. And “these same big financial investors” are boosting the price of coffee, the Baltimore Sun reports.

“Grocery shoppers have seen whopping increases this year in the price of a can of ordinary coffee, whether it's a generic store brand or better-known ones such as Folgers and Maxwell House. Since spring, coffee has been selling at $7 to $8 a can in many parts of the country, or about twice the price of a gallon of gas,” writes the news source, adding that the retail price of coffee in July was up 20.7 percent over the same month last year, according to the Bureau of Labor Statistics.

So what gives? According to coffee industry leaders at last week’s National Coffee Association conference in Washington, financial speculators are at fault, “taking advantage of global supply hiccups to drive up coffee prices by adding volatility to the trading of contracts for future delivery of coffee. It's not as debilitating to family income as high crude oil prices, but the phenomenon is the same,” writes the newspaper.

According to experts, hiccups in production and higher global demand justify higher prices, but perhaps not this high. The newspaper notes that the price of a futures contract for 37,500 pounds of coffee increased by more than 40 percent in 2010, and has risen by more than 57 percent this year through August 19.

"It's not a true coffee market anymore, where the laws of supply and demand hold forth," said Danell Seda, a trader for Walker Coffee Trading in Houston. The National Coffee Association, meanwhile, has no definitive conclusion about current, volatile coffee prices.

"Some people think the hedge funds are more to blame; others think its supply and demand or the weather," said NCA spokesman Joe DeRupo. "Everyone has their own hypothesis."

A Commodity Futures Trading Commission official, who anonymously spoke to the newspaper, acknowledged that the agency hasn’t been able to determine how much of the coffee futures trading is being done by speculators. “There is no denying that there are more different players entering the market. There's debate in public, and perhaps on the commission, on the cause and effect,” the official said. What industry is next?

Pay Your Bills at 7-Eleven

Technology links retailer to Fairfield, Calif., services

MOUNTAIN VIEW, Calif. -- PayNearMe Inc., the cash transaction network, announced that the City of Fairfield, Calif., is the first municipal utility to offer its customers the ability to pay their bills with cash at local 7-Eleven stores. This arrangement is made possible through a strategic relationship between PayNearMe and InfoSend Inc., the billing service provider for the City of Fairfield.

InfoSend uses PayNearMe's Embedded Barcode Remittance (EBR) technology to offer an easy, inexpensive and convenient payment option to individuals who prefer to pay their bills in cash, as well as the more than 60 million adults who are unbanked or underbanked. Because these individuals do not use bank accounts, they often have to rely upon inconvenient and potentially expensive walk-up payment systems.

With PayNearMe's EBR technology, InfoSend is able to print a unique barcode directly onto each City of Fairfield utility bill. Upon receipt of the bill, customers can go to any local 7-Eleven where their bar code is scanned at the register. They complete the transaction by paying in cash in a process that takes less than 60 seconds. The funds immediately post to customers' accounts, and they receive detailed receipts for proof of payment.

Through these transactions, 7-Eleven stores act as supplementary cash payment locations without costing the City of Fairfield overhead.

PayNearMe, Mountain View, Calif., is the cash transaction network that enables consumers to pay conveniently with cash for a wide variety of goods and services from leading companies in e-commerce, consumer finance, transportation and beyond. Consumers pay easily at a local store, starting at 6,200 7-Eleven stores across the United States.

InfoSend is a billing-service-provider using an advanced approach to offer innovative solutions for organizations seeking eBilling, ePayment, data processing, and BillPrint & Mail services.

Florida Town Considers Mandatory Classes for Retailers on Illegal Consumption 

The mayor of Pembroke Pines wants convenience store clerks, bartenders and restaurant workers to take a mandatory class on the dangers of underage drinking.

PEMBROKE PINES, Fla. – The mayor of Pembroke Pines wants to stop underage drinking by training the front-line employees who could potentially sell alcohol to minors, The Star reports.

Mayor Frank Ortis is pushing an ordinance that would require any retailer selling alcohol between 11 pm and 3 am or 4 am to have its workers take a class about the dangers of underage drinking.

“We’ve learned there is a lot of underage drinking going on in the hours of 11 pm. until 3 or 4 am,” said Ortis. “If a convenience store, gas station or restaurant is open until 4 am, we want to educate their employees on the consequences of underage drinking.”

Employees completing the course will receive a certificate. The class will cover how to decipher fake ID cards. Retailers participating in the course will have the option of selling alcohol for longer hours, such as beginning sales at 11 am, and extending the cut off time of 3 am for stores and 4 am for bars and clubs.

While Ortis said he doesn’t have statistics on how many minors in Pembroke Pines drink, he thinks enough teens do it to justify the change. Ortis wants input from area businesses before taking the proposal to the town council.

Oakland Park, Fla., approved a similar measure three years ago, which lowered the incidences of selling alcohol to minors from 90 percent to 60 percent, according to the Florida Division of Alcoholic Beverages and Tobacco.

Florida Community Halts C-store Builds

WEST PALM BEACH, Fla. -- Leaders in this Florida town are putting any decisions on new convenience stores in certain areas of the community on the back burner for three months.

The West Palm Beach commissioners recently voted to place three-month moratorium on new convenience stores in the Clematis waterfront district and the Northwest neighborhood district, which includes Tamarind Avenue, according to the South Florida Sun-. The move follows the commissioners' decision to implement a one-year moratorium for new nightclubs in the same area. The decisions are taking aim at establishments that sell liquor.

"We don't want people selling individual beer and people walking around Clematis," Mayor Jeri Muoio said at a recent commission workshop.

However, at least one elected official is raising doubts about the plan. Commissioner Kimberly Mitchell questioned the proposal, saying there is already an open container law in West Palm Beach that forbids people from drinking beers in the street.

"I have not seen or heard this as a problem," Mitchell said. "I'm not sure what problem we're trying to cure."

But, as the news outlet reported, Raphael Clemente, the interim Downtown Development Authority director, said that people shouldn't be able to buy beer at convenience stores late at night.

"What happens when people leave clubs and can go to convenience stores or some other type of establishment, buy a six-pack or a single can at 2 a.m.?" Clemente said. "We're allowing the problem to go from one place to another -- a roving alcohol source."

And while Commissioner Ike Robinson hailed the decision to include the Tamarind corridor in the proposal, the paper said he the overall purpose of the moratorium. "If I'm not mistaken, convenience stores have regulations on the books already that curtail being open 24 hours a day," Robinson said. "If they are open past 12, there's something in the state regulation that says they have to have a bulletproof cage."

The commission agreed to the three-month moratorium, while city staff studies the issue.

Amazon Delivery Trial Begins at 7-Eleven

SEATTLE -- Amazon's in-store pick-up system will likely begin its trial at select 7-Eleven store by the end of this week, according to a GeekWire report.

The system, which has not been officially confirmed by Amazon, allows customers to use computerized lockers at 7-Eleven stores as temporary P.O. boxes. When packages arrive, customers will receive an e-mail with a bar code that can be printed or scanned from their phones at the store to reveal a PIN, which they will then use to open the locker and retrieve their package, according to the report.

If the trial is successful, a nationwide roll-out could give an edge to Amazon, which previously lacked any form of in-store pickup. Competing retailers with both online and brick-and-mortar stores, such as Best Buy, already offer customers the option of picking up their online orders at their local stores.

A clerk at the 1522 East Madison Street 7-Eleven in Seattle told GeekWire that the store plans to activate the lockers as soon as Friday, Sept. 9. The 40 lockers at that location come in a variety of sizes with a keypad and monitor at the center of the unit.

DOJ – Americans with Disabilities Act

ISSUE: New ADA Requirements for ATMs

ATM machines to make them more accessible to persons with disabilities. The new requirements include speech output,

Braille instructions, tactile input controls and display screens and operator privacy controls. The new ATM upgrades must be in place by May 15, 2012. The ATM requirements are not subject to the ADA safe harbor provision but marketers may forgo compliance if they can demonstrate that the upgrade would result in an undue economic burden.

DEPARTMENT OF JUSTICE ISSUES NEW ADA REQUIREMENTS FOR ATMs.

A final rule issued by the U.S. Department of Justice pursuant to the Americans with Disabilities Act (ADA) adds specific

technical requirements to ATMs for speech output, privacy, tactilely-discernible input controls, display screens, and Braille

instructions to the general accessibility requirements set out in the 1991 Standards. The 1991 Standards require ATMs to be accessible to and independently usable by persons with visual impairments, but do not contain any technical specifications. The new 2010 Standard spells out the new technical specifications for ATMs that must be followed.

The deadline for compliance with the new ADA requirements for ATMs is March 15, 2012. However, the new ATM

requirements will not apply to any business owner who can demonstrate that compliance would cause an undue burden which imposes a significant difficulty or expense.

Adopted guidelines: The 2010 Standards adopted the following elements for ATMs:

Clear Floor or Ground Space. Clear floor space or ground space complying with section 305 of the ADA and ABA

Accessibility Guidelines for Buildings and Facilities must be provided. This is not required at drive-up only ATMs.

Operable Parts. Operable parts must comply with section 309 of the ADA and ABA Accessibility Guidelines for

Buildings and Facilities, and each operable part must be able to be differentiated by sound or touch without activation.

This is not required at drive-up only ATMs.

Privacy. ATMs must provide the same degree of privacy input and output to all individuals.

Speech Output. ATMs must be speech enabled. All displayed information and additional ATM functions (e.g.

dispensing coupons or providing monthly statement copies) must be accessible to and independently usable by

individuals with vision impairments. Speech can be recorded or synthesized.

Audible tones may be permitted instead of speech for security purposes, such as asterisks representing

personal identification numbers (PINS);

Advertisements and other similar information shall not be required to be audible unless they convey

information that can be used in the transaction being conducted;

Where speech synthesis cannot be supported, dynamic alphabetic output shall not be required to be

audible;

Speech shall be capable of being repeated or interrupted; and where receipts are provided, speech output devices shall provide audible balance inquiry information, error messages, and all other information on the printed receipt necessary to complete or verify the transaction

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.

5% Dividend for Gasoline Retailers Association of Florida – Meadowbrook Workers’ Compensation program on paid premiums

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.

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

Health Insurance

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

I am pleased to announce the endorsement of Insurance Office of America as the preferred Health Insurance program provider for the Gasoline Retailers Association of Florida. Low premiums for individual.

For information contact Lauren Wallace:

931 North State Road 434

Altamonte Springs, FL 32714

Toll free: 800-243-6899 ext 15440

IOA Official Partnerships

U.S. 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 .

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______________

SUPPORT ASSOCIATE MEMBERS WHO SUPPORT OUR ASSOCIATION

*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

A2L Technologies Inc. For information e mail upgradehelp@

Larry G. Schmaltz 813-248-8558 ext 305

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

Corrosion Protection & Solutions LLC Contact Ronald Knight or Robert Kay @ 813-831-1238

Watch Dog Pump Calibration LLC Contact Kevin Madison P.O. 138426 Clearmont, Florida 34713

(800) 322-0106

GASOLINE SUPPLIER

Lewis & Raulerson, Inc.

P. O. Box 59

Waycross, Georgia 32502

Florida: Ryan Firth

561-756-5203

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

Pump Calibration LL

P.O. 647 Minneola, Florida 34755

Florida-New Jersey-Connecticut-Maryland-Pennsylvania

Simple Pump Calibration Identify Bad Meter

*Stop Losing Money!

*Why is WatchDog Different From All The Rest

*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

Special motor fuel storage tank locking caps

Protect your motor fuel storage tanks from thieves who are stealing gasoline and diesel from gasoline stations while open or closed.

Contact Kevin Madison 800-322-0106 e mail Kevin@ www,

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 Office: (888) 248-1013 * (407) 324-5422 * Fax: (407) 324-9856 E-mail: idpsgrp@

Equipment for Sale

All items are used but in good condition.

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@

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

Fr. Tom Smith’s

‘Angels and saints’

With 25 Unique Special Angels of all Ages

Cast Father Tom

Lisa Cioffi - Frank Corso

Gerry Kelly - Debbie Karleskint

Produced and Directed by

Elsie Doughty

A must-see!

For information, please contact

Elsie Doughty @ (407) 252-0957 or

Pat Moricca @ 407-774-9700

‘Angels and Saints’ 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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