Gasoline Nozzle Newsletter - Get Now DOC

Document Sample
Gasoline Nozzle Newsletter - Get Now DOC Powered By Docstoc
					      Gasoline Nozzle
LXI Edition                                                                                                      August 2004

     Gasoline Retailers Association of Florida
                                     214 Stevenage Drive Longwood, Florida 32779

407-774-9700 Fax 407-788-3860                                e-mail e mail
Pat Moricca President                                                                                 SSDA / NCPR-AT
                                                                                                  Service Station Dealers of America

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, property and gasoline tank liability insurance. Benefits also include financing to purchase
your gasoline station property and much more.

                             VISIT OUR WEB SITE FOR THE LATEST GASOLINE
                                 INDUSTRY INFORMATION AND BENEFITS
                                           Don’t forget to register and vote
NOTICE! A ugust 1 you will be expected to lower retail prices. It’s very important to k eep all your records of gasoline
                                                                st             st
purchases on hand in case of discrepancies. From August 1 to August 31             you will be required to reduce your ret ail
gasoline prices by 8cts.a gallon on all grades. For forms call Gasoline Retailers Association of Florida @ 407-774-9700.

        JULY 2004 PLEASANTON, Calif. With yet another California refinery set to shut down, a state legislator is
        demanding that oil companies prove they are not intentionally driving gas prices higher by collectively clamping
        down on supplies, reported the Pleasanton, Calif.-based E ast Bay Business Times.
        Skeptics say the state Senate committee probe will have no real impact, other than putting oil company
        executives in the hot seat for a few months. But Sen. Joseph Dunn said he might introduce legislation that would
        broaden antitrust laws or ban oligopolies in certain markets if the investigation finds that the companies used their
        collective dominance to drain Californians' wallets.
        The Garden Grove Democrat is polishing the written requests that a panel he has assembled will send out to the
        seven oil-and-gas companies that he says control 95 perc ent of the state's market.
        The select committee on gasoline and diesel pricing is primarily interested in documents , some internal, from
        analysts and executives that may suggest a link between refinery production levels and prices at the pump.
        Florida’s Attorney General Charlie Crist has subpoenaed eight Oil Companies for documentation and information
        about the cost, production, inventory, and pricing of gasoline in Florida and to ex plain why gasoline prices are
        Florida and California should compare their investigation information data from the Oil Company’s executives.
        Attorney Generals from Pennsylvania, Ohio, Vermont, offered to assist with the examination of the documents
        submitted by the oil companies.

                 DALLAS (CBS.MW) -- The major integrated oil companies reporting quarterly results in force next week
                 are expected to post record profits driven by high commodity prices and refining margins, according to
                 industry watchers.
                 "If they don't, shame on them," said Oppenheimer & Co. analyst Fadel Gheit. "Oil is at record levels
natural gas prices are at historical highs and refining margins are very close to record levels. And the chemicals business
is improving because of global economic improvements. So t hey're firing on all cylinders."
ExxonMobil (XOM), the world's largest oil and gas company, reports its second quarter results July 29.
"Exxon had record earnings last quarter, and they will beat that," Gheit added. "My bet is that the majority [of the
companies] will."

                 No New Refineries Expected Despite High Demand
                 JULY, 2004 -- WASHINGTON -- With demand for gasoline high and profits pouring in at a record clip, one
                 would expect oil companies to be falling over each ot her to build new refineries, yet there hasn't been a
                 new refinery built in the United States in 28 years and more than 200 smaller facilities have closed.
                 Refining never has been viewed as a cash cow by the petroleum industry, which complains about meager
                 profit margins, hefty environmental costs and too much government regulation.
                 But with gasoline prices hovering at $2 per gallon for much of this year, the country's largest oil
                 companies and independent refiners are expected to report soaring profits from refinery operations in
                 second quart er earnings this week.

Exxon Mobil's 2Q Profits Surge 39 Percent
July, 2004
Higher prices for oil and gas led to anot her record quarter at Exxon Mobil Corp., the world's largest publicl y traded oil
company, with profits jumping 39 percent from a year ago.
Exxon Mobil said Thursday it earned $5.79 billion in the April -June period, compared with $4.17 billion a year earlier.
Revenue jumped 24 percent to $70. 69 billion from $57.17 billion a year ago.

Shell 2Q Profit earnings increase
Royal Dutch/Shell Group of Cos. saw its earnings rise 54 percent, thanks to higher prices for oil and natural gas. The
Anglo-Dutch company earned $4.0 billion, compared with $2.6 billion in the same period a year earlier.

                 Sunoco’s Record Second Quarter “Outstanding”
                   Strong refining and whol esale margins helped Sunoco achieve a "blowout" second quarter, with
                   profits nearl y triple year-ago level s
                   July, 2004 P HILADE LPHIA -- Sunoco Inc. has reported net income o f $234 million for the second quarter
                   of 2004 versus $81 million for the 2003 second quarter. Results for the current quarter included a $4
                   million after tax charge for estimated losses related to retail gas stations held for sale. Excluding this
                   special item, income for the second quart er was $238 million.
For the first half of 2004, Sunoco reported net income of $323 million versus net income of $167 million for the 2003 first
half. Excluding the aforementioned special item, Sunoco’s income for the 2004 first half was $327 million. There were no
special items in the 2003 first half.
―The second quarter was an outstanding one for Sunoco,‖ said John G. Dros dick, Sunoco chairman and CE O. ―The
combination of strong refined product margins, significant cont ributions from our recent asset acquisitions and operational
improvements in each of our business units enabled Sunoco to report record earnings for the quarter, demonstrating a
new level of earnings power.‖ The increase is primarily due to significantly highe r wholesale fuel margins, higher chemical

                           Marathon Oil Corp. Quarterly Income Nearly Doubled from Last Year!
                          JULY, 2004 HOUS TON -- Marathon Oil Corp. reported zooming profits from refining and
                          marketing Tuesday, reported the Houston Chronicle.
                          Refining margins have been at near-record levels, the strongest since 1986, analyst Fadel Gheit
                          of Oppenheimer & Co. said. Other big oil companies with similar exposure to refining should
         benefit as well, he predicted.
         The strong gains in refining more than made up for curtailed output of oil and gas during the second quarter for
         Marat hon Oil. The company tallied a 48 percent increase in profit over a year ago, on a continuing operations
         basis, consisting of $352 million, up from $248 million. Revenue grew 30 percent to $12.5 billion.

         ConocoPhillips 2Q Profit Rises 75 Percent!
         July, 2004 -- NEW YORK -- ConocoPhillips reported a 75 percent increase in profit for the second quarter,
         boosted by rising prices for oil and natural gas and improved margins at U. S. gasoline refineries, reported the
         Wall Street Journal.
         The lofty worldwide energy prices that drove Conoco's earnings also lifted earnings at British oil company BP PLC
         and should help other major oil producers reporting in the next few days.

         Murphy Oil Announces Record Quarterly Earnings
         July, 2004 Opened 700th gas station at Wal-Mart during period.
         EL DORADO, Ark. -- Murphy Oil Corp. said that net income in second-quarter 2004 was a record $349.9 million
         compared to incom e of $79.7 million in second-quarter 2003.

         Amerada Hess Profit Up on Oil Prices
         Amerada Hess Corp. Wednesday said its earnings climbed 14 percent in the second quarter, helped by rising oil
         prices and surging refining profit

                                               GAS REFINERIES SHAKY OUTPUT
                    PALM SPRINGS, Calif. -- Oil industry expert Tom Kloza said that "there is a 50/50 chance or better that
                    the second half of the summer we'll see a (major refinery breakdown), which could bring gasoline prices
                    up to recent highs or surpass them by 10 or 15 or 20 cents a gallon," reported the Palm Springs, Calif. -
                    based Desert Sun.
                    Kloza's remarks came during a media conference call in which he compared this summer to last year's,
                    when an August pipeline dis ruption sent gasoline prices through the roof during a time they normally
                    Gasoline prices are currently on a downward trend that has lasted most of June. "We have less gasoline
                    inventory today than we did in 1983, when the population was smaller and there was less demand," Kloza
                    said. "It makes the market extremely volatile."
         This current gasoline atmosphere is a nightmare for consumers but a time of huge profits for the oil
         companies, which are benefiting from the unbalance of supply and demand, said Kloza.
         There are 13 refineries in California that produce the state's blend of reformulated gasoline. Before deregulation
         of the industry in 1981, there were 41 refineries owned by 30 companies. The cut in refineries has made it very
         difficult for oil companies to keep up with demand, but it has helped spur the companies to huge profits in recent
         In addition, Shell Oil will close its Bakersfield refinery this year, leaving California with just 12 refineries. Several
         analysts believe such a move would drive prices well past $3 per gallon next summer.

                          SAN       RAMON,        Calif.     --      ―It’s a different philosophy for the downstream, to have
                          ChevronTexaco         Corp.        is      marketers and dealers instead of the company,‖ he
                          divesting       its      remaining         added.
                          convenience stores in Texas.               The shift away from direct operated began in e arnest
                          With 132 company-run locations             last year when the oil company sold 300 stations in the
                          in    Houston       and      Dallas,       United States. In February, ChevronTexaco Chairman
                          ChevronTexaco is walking a                 and CEO Dave O’Reilly said t he company would divest
                          path similar to Shell, rolling over        another 250 retail locations by 2005 to distributors and
                          sites to fuel jobbers and dealers          dealers, a move that would save an estimated $400
                          to     operate       under       the       million.
                          ChevronTexaco banner.                      The rationale centers on the increasingly lucrative
―This is part of a strategy that started awhile ago,‖                opportunities in exploration and production, along with
ChevronTexaco spokesperson Mickey Driver said.                       the continued margin slide on retail gas oline.
―When we’re done, we will still have company-owned                   The company has said it was eyeing $500 million in
locations in California and Florida. In the rest of the              downstream cuts by restructuring that business into four
markets, it will be fuel marketers and dealers.‖                     units and eliminating nearly 1,800 jobs.
                                                  August 29, 2004 deadline
Exxon dealers, former Exxon dealers and dealer estates            EQUITY DEVELOPMENT GROUP, LEX ACQUISITION
are members of the class currently certified if you ow ned        GROUP, AND THE CLASS ACTION REFUND ASSISTANCE
and/or operated a business for retail sale of Exxon               GROUP, AS WELL AS L AWYERS AROUND THE COUNTRY,
                                                                  HAVE BEEN MAILING OUT SOLICITATIONS TO DEALERS
gasoline and you were parties at any time from March
                                                                  OFFERING ASSISTANCE IN FILING CLAIMS IN EXCHANGE
1983 through August 1994 to a standard sales                      FOR A PERCENTAGE OF THE CLAIM.             THESE
agreement with Exxon.                                             ORGANIZATIONS ARE NOT AFFILIATED WITH THE
You are part of the Class Suit for any part of the years          COURT, CLASS COUNSEL, OR THE CLAIMS PROCESS.
stated above.                                                     AS CLASS COUNSEL, WE STRONGLY RECOMMEND
Forms will be mailed out to class action dealers and              THAT YOU DO NOT ENTER INTO ANY AGREEMENTS
make sure you are on the mailing list. If you have not            WITH THESE ORGANIZATIONS OR ANY OTHER THIRD
been contacted; call 1-800-810-3590                               PARTY SEEKING TO OBTAIN A PORTION OF YOUR
The trial judge has ruled that all claims must be                 CLAIM, UNLESS IT IS A PERSON AL ATTORNEY WITH
                                                                  WHOM YOU HAVE A RELATIONSHIP. THE OFFICIAL
postmarked by August 29, 2004. Unless the judge
                                                                  CLAIMS ADMINISTR ATOR IS THE GARDEN CITY GROUP,
later chooses to extend this date, any claims postmarked          OR GCG, WHO CAN BE REACHED AT 888-769-7759. THE
after August 29, 2004 will not be valid. Accordingly, if          ATTORNEYS FOR THE CLASS (STEARNS WEAVER
you believe you have t he right t o share in the jury’s           MILLER AND PERTNOY SOLOWSKY & ALLEN OF MIAMI,
verdict, you should make sure to send in your cl aim              FL) ARE AVAIL ABLE TO ASSIST YOU IN COMPLETING
form before the filing deadline.                                  YOUR CLAIM FORM, AT NO ADDITION AL CHARGE, AND

Consumers Gas Reward Credit Cards Savings?
JULY, 2004--As gasoline prices continue to linger around record highs, gas reward credit cards are becoming more and
more worth a look, and some offer rebates of up to 10 percent on purchases at the pump. The Consumer Reports Money
Adviser newsletter says that works out to about one free gallon for every fill -up.
You have to do a little research to find the best cards, because they're not all the same.
For example, the Triple-A Preferred Visa provides 5 percent cash rebates, and the Marathon Platinum MasterCard gives
up to 10 percent back. Those are at the top of the scale.
On the bottom, is the Getty Platinum Plus MasterCard? Y ou get a $5 coupon for every thousand dollars you spend at the
pump, which amounts to only one-half of one perc ent cash back.
Gas cards tend to come with higher interest rates, so consumers need to pay off their balance in full every month to keep
the interest from canceling out the benefits.

                                           COUNTY SUES STATION OWNERS
                          Soil allegedly contaminat ed during removal of USTs
                          LINCOLNSHIRE, Ill. A law suit was filed in Lak e County Circuit Court on July 1, alleges that the
                          defendants, Bill Anest, Peter Anest and their businesses State Oil Co., S & S Petroleum, BAPA
                          LLC and P T LLC first agreed to clean up the contamination in J une 2001. But three years after
                          negotiations with the Illinois E nvironmental Protection A gency (IEPA) began, the soil remains
                          contaminated by benzene and BE TX and t he property remains unsuitable for development.
                          Benzene is a carcinogen.
Years of negotiations have been ignored and the contamination remains on the property . This inaction poses a threat to
public health and the economic health of Lincolnshire.
Reports of the contamination date back to at least 1997, when the Village of Lincolnshire commissione d an environmental
survey of the property. At that time, IEPA discovered high levels of benzene and BE TX in the soil and groundwat er;
however, the complaint alleges that the contamination dates back much further because the underground storage tanks
were removed from the property in 1989.
The law suit charges the defendants with multiple violations of t he Illinois Environment al Prot ection Act for water pollution
and failure to obey state regulations. The complaint also asks the court to order Bill and P eter Anest to clean up the site
immediat ely, prohibit them from any further violations of Illinois environmental laws and assess penalties of $50, 000 for
each violation of the act and $10,000 for each day of the violations.
The property is now owned by the Village of Lincolnshire, which acquired it in 2001 by eminent domain.
Always consult a gasoline industry attorney before buying gasoline station property.
                                FTC INTERFEARING IN LEGISLATION AGAIN!
                                    The FTC i s not an elected body of the governm ent
BATTLE CREEK, Mich. -- State Rep. Gene DeRossett                 The FTC said that ―low prices benefit consumers, and
(R), who recently stood with small business owners in            that consumers are harmed only if a competitor is able to
Battle Creek, Mich., and talked about the proposed state         use below-cost pricing to drive out other competitors and
law meant to help independent gas stations survive               then later raise prices above competitive levels.
competition, announced he is now against the proposal            Economic studies, legal studies and court decisions
after reading a report he had requested from t he Federal        indicate that below-c ost pricing that leads to monopoly
Trade Commission. ―Having read the Federal Trade                 occur infrequently, and that below-cost sales of motor
Commission’s analysis of the legislation, I believe this         fuel that lead to monopoly are especially unlikely!‖
bill will harm mot orists by driving gas prices up,‖ said        The bill is sponsored in the House by Charles LaSata
DeRossett, chairman of the state House Transportation            (R) and in the Senate by Mark Schauer (D).
Committee, also a candidate for Michigan’s 7t h district         The FTC chose to ignore its own research whic h had
congressional seat. DeRossett’s change of heart is a             determined that state below cost laws had no effect on
setback for the legislation, which is intended to ban the        retail prices. The FTC should follow the advice of its own
sale of gasoline below wholesale cost in Michigan. B ut it       research instead of the mega-retailers.
may not be doomed, said the report. As committee                 Below cost laws are a good deterrent to predatory
chairman, DeRossett could effectively block the bill from        pricing and offer many long-term benefits to consumers.
ever advancing to the Hous e floor, but he said he would         ―I think the FTC’s wrong,‖ said Schauer, noting that 28
allow a committee vot e if a majority of the Republican          states have enacted laws similar to the one proposed in
and Democratic members want one.                                 Michigan.
The proposed ban would prevent stations from engaging            Florida being one of the 28 states with Below Cost
in predatory pricing. B ut in a June 18 report, the FTC          selling laws has consistently kept Florida’s ranking one
said Michigan’s       propos ed P etroleum Marketing             of the lowest in the nation on pretax gasoline prices,
Stabilization Act would likely restrict competition and          according to the U.S. Department of Energy’s ranking of
lead to higher prices at the pump.                               states of motor fuel prices.

More Saturation from Warehouse Clubs
There's been a lot of growth in the wholesale club sector.
Costco locations have seen monthly gallonage flatten at about 471,000 gal/month. BJ's additions are yielding average
volumes of 336, 000 gal/month while Sam's has opened stores that do about 391,000 gal/month.
The huge monthly sal es haven't been achieved by traditional means. BJ's typically sells fuel at 3-9cts/ gal below
the competitive average; Costco i s commonl y 6-10cts/gal beneath the average; and Sam's Club is
5.5-8cts/ gal under.

                          The Federal Trade Commission has charged a group of Canadian defendants with scamming
                          small businesses and charities in the United States out of millions of dollars by billing them for
                          business directory services they did not order or authorize, in violation of federal law. The FTC
                          charges that the defendants refuse consumers’ requests to cancel the services, and use an in -
                          house collection service to harass consumers whose accounts allegedly are past -due.
        According to the FTC’s complaint, defendants Pinacle Publishing an d M.D.S.C. Publishing have made
        telemark eting calls t o small businesses, charities, and other organizations across the U.S. since at least 2000.
        The defendants allegedly claim that they are calling to verify consumers’ names, addresses, and telephone
        numbers for listing in their business directory. Consumers are allegedly led to believe that they are already listed
        in this directory and that the defendants are updating information in connection with a renewal of the listing. The
        FTC alleges that the defendants record consumers verifying their information, and later use the recordings to
        prevent them from canceling unauthorized orders. Consumers often are not told that there is a fee associated with
        being listed in the business directory.
        According to the FTC, upon receiving the invoices, many consumers realize that no one from their organization
        ordered a directory listing. When they call to cancel t he order, they allegedly are told that the defendants have a
        tape recording of the order being placed. The defe ndants allegedly claim that the recording is a ―binding oral
        contract,‖ and they therefore refuse to allow consumers to cancel orders. In numerous instances, consumers
        refuse to pay the invoices and are then referred to defendants’ in-house collections department, which allegedly
        harasses them with phone calls and repeated dunning notices and threatens to initiate legal action and damage
        consumers’ credit ratings. In some cases, the in-house collections department employees allegedly masquerade
        as lawyers retained by the defendants to force consumers to pay their invoices. The FTC contends that many
        consumers ultimately pay the invoices because they believe it is the only way to stop the harassment.
Retailers say banks mislead consumers on debit card fees
WASHINGTON, D.C. -- The National Ret ail Federation              if they enter a P IN number when using a debit card in a
has asked the Federal Reserve Board to prevent banks             retail store. The Fed is conducting a study of debit c ard
from misleading customers into believing that fees               fees at the request of the S enate Banking Committee,
charged for using a P IN number when making a debit              asking among ot her questions whether existing
card purchas e in a retail store are imposed by the store        disclosures required under t he federal Electronic Funds
rather than the bank.                                            Trans fer Act adequately inform consumers of fees
―Annual statement disclosures are insufficient—they get          imposed by financial institutions when a debit c ard is
buried among a host of other disclosures and they are            used to make a purchase from a merchant.
rarely clear,‖ NRF S enior Vice President and General            NRF noted in its comments that rules and conditions for
Counsel Mallory Duncan said. ―Only a concrete                    PIN fees are often included in the fine print of annual
disclosure at the point of sale will make it clear and allow     statements, written in legal jargon along with a myriad of
consumers to effectively comparison shop among banks             other disclosures.
and encourage efficiency in the market place.‖                   In addition, monthly bills often make the fees appear to
―Customers come t o us with their bank statements and            be charged by the retailer rather than the bank that
express their surprise—to put it mildly—that they have           issued the debit card, NRF argued. In a hypothetical
been charged for entering their P IN,‖ Duncan said.              example cited in the comments, a statement might
―Once we overcome their disbelief and explain the true           include a line item indicating ―Greenway Supermarket—
source of the charge, the customers’ anger is                    Debit Purc hase--$54.13‖ reflecting the amount of an
immediat ely directed at their banks. But this job should        actual purchase, followed by ―Greenway Supermarket—
not be the retailer’s responsibility.‖                           PIN Debit Transaction Fee—$1.00.‖ The second entry
NRF filed comments with the Federal Reserve on July              reflects a fee charged by the bank, but customers often
23, arguing that many banks do an inadequate job of              read it as a fee charged by the retailer.
disclosing to customers that they might be charged a fee

                The Gasoline Retailers Association of Florida has arranged for you to receive an exclusive $75 di scount
                off the regular subscription price of Oil Express -- the leading independent newsletter for petroleum
                 Each Monday, Oil Express delivers critical news to help y ou inc rease profit margins, expand your
        business, explore new profit centers, avoid costly regulat ory pitfalls and protect your bottom line. Plus, when you
        subscribe, you’ll also receive the completely updated 2004 Fuel Regs & Specs Guide absolutely FREE. It's the
        only desktop reference source that helps you easily track today 's complex and changing fuels environment
        The publisher is so confident you’ll benefit from Oil Express that she stands behind it with a 100% no -risk,
        money-back guarantee. This indispens able news source is a good investment -- especially with your exclusive
        $75 di scount -- so call 1-877-210-4287 and subscribe today. Make sure you mention di scount code
        DG3872 to take advantage of this rate.

                                                       NEW BENEFIT
                         Almost every retail business receives bad checks:
                         CollectAChek is a NSF check recovery company that collects face value of c heck and charges
                         owner of the check cost for recovery. The business receives full amount of check. For more
                         information, Contact Frank Straughn @ (877) 874-9791 or e-mail

                                  The Gas oline Retailers Association of Florida proudly sponsors Meadowbrook Insurance
                                  Group as its source for workers’ compens ation insurance. Meadowbrook Insurance
                                  Group Workers’ Compensation is available to the Gasoline Retailers Association of
                                  Florida membership.
For more Information contact:
Carl Schmachtenberger 800-993-7840 or Pat Moricca 407-774-9700.
Gasoline Retailers A ssociation of Florida -Meadowbrook Group Workers’ compensation dividend program has
produced a dividend on paid premium s for five out of the last si x years.

        But You May Al so Have Obligations:
        You receive a letter from a governing entity (state, county, city, etc.) saying your property, or part of it, is needed
        for the improvement or widening of Main Street, Anytown, Florida. In a state growing at an exponential rate with,
        seemingly, every other road under construction, this is becoming a common occurrence. The purpose of this
        article is to present an outline of the process involved when the government uses its power. This process is
        often referred to as condemnation and owners and businesses have rights provided under Florida law.
        For full information, Contact:
        Barry S. Balmuth, P.A.
        Cent urion Tower-Eleventh Floor
        1601 Forum Place, Suite 1101
        West Palm Beach, Florida 33401
        (561) 242-9400 Telephone (561) 478-2433 Facsimile or www. Bulletin Board

                                          INSURANCE RECOMMENDATIONS
                        The last minute policy renewal quot e:
                        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 t o know your current policy coverage and t erms to
                        get competitive information. Gasoline Retailers Association of Florida’s/Insurance Office of
                        America’s money saving programs wit h a complete insurance package to meet your business
Cont act Glen Esbjorn from the Insurance Office of America for your insurance needs @ (800) 242-6899 (407) 788-3000
or Pat Moricca @ (407) 774-9700
For Group Health Insurance: Contact Dan Ricker @ 1-888-269-6019 x 2520 for information.

                                                           S. O. S.
                         Safehouse of Seminole Domestic violence is a social issue, which crosses all boundaries and
                         threat ens 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 wit h 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 ot her community
                         organizations. 24-Hour Crisis Line 407-330-6933.

                                      Safehouse of Seminole needs your donations
Your contribution to Safehouse may be tax deductible on your annual tax return, as S afehouse i s an organi zation
of the type described in section 509(a)(1) and 170(b)(A)(vi) under the Internal Revenue Code. Our regi stration
number i s SC-05086.
Safehouse of Seminole Wish Li st:
Personal Needs – Bedding Needs – Baby Food & Needs -- School Needs – Grocery/Kitchen/ Cleaning Needs – Holiday
Needs – Miscellaneous Items for everyday Needs!
Cont act the Safehouse of Seminole @ 407-330-3011 for a copy of their Wish List.

                                                Please make checks payable to and mail to
 $10____ $15____         Safehouse of Seminole PO Box 2921, Sanford, FL, 32772

$10_____ $15_____
 $20____ $50____        Name__________________________________Telephone______________________________

$20_____ $50_____
 $100____other____       Address______________________________________________________________________

                                                *****FOR SALE*****
                                           GAS STATI ON INCLUDI NG LAND
                               New environmentally approved tanks/ veeder -root/major brand
                        busy road-approx. 39,000 cars a day great location wit h land Asking 975,000
                                      Plantation Florida          Call 561 495 1373



Grogan Realty Co.
Specializing in Gasoline stations &                               Collect A Chek
Commercial property financing available                           P.O. Box 960
(904) 737-3493 Fax (904) 731-0025                                 Ypsilanti, Michigan 48197
                                                                  NSF Check Recovery
Insurance Office of America                                       Cont act: Frank Straughn
150 Westmonte Drive                                               Toll Free: 1-877-874-9791
Altamonte Springs, FL 32716-7933                        
Underground Storage Tank Ins urance
Group Health, Property & Casualty Liability                       MAI Apprai sal
Cont act: Glen Esbjorn (800) 243-6899                             (407)-772-2200 x 314
                                                                  Steven L. Marshall MAI, SRA
Meadowbrook Insurance Group                                       Clayton, Roper & Marshall, Inc.
Workers’ Comp. Dividend Program                                   246 N. Westmonte Drive
(Paid dividends 4 of 5 years)                                     Altamonte Springs, FL 32714
Cont act Carl Schmacht enberger
(800) 993-7840 (941) 627-6644

Chokshi Accounting & Tax Services, Inc.
201 Park Place Suite #300
Altamonte Springs, FL 32701
(407) 332-8311

Hamid Ghannad                                       Bill McKnight                                   Tim Loggins
United Oil Co. Inc.                                 Automated Petroleum & Energy Co.                Lewis & Raulerson Inc .
5012 E. Broadway                                    P.O. Box 1110                                   P.O.Box 59
Tampa, FL 33619                                     Brandon, FL 33509                                Waycross, GA 32502
(813) 241-4610                                      (813) 681-4279                                   (912) 283-5951
                                                                                                      FL Contact Art McKee
                                                                                                     (352) 408-5710
No wonder: With all the mergers, acquisitions and closings, your lender is probably lost too.
We specialize in extending competitive rates on financing from $75, 000 to $5,000,000 through SBA and US DA
guaranteed loans.

                                          GOLETA NATIONAL BANK
                                             A Community West Company
                          Cont act John Grogan Business Development Officer
                        Office 904-731-9020 fax 904-731-0025 cell 904-571-6564 E-Mail