LXX Edition May 2005
Gasoline Retailers Association of Florida
214 Stevenage Drive Longwood, Florida 32779
407-774-9700 Fax 407-788-3860 http://www.flagas.com e mail firstname.lastname@example.org
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, and 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
ChevronTexaco to Acquire Unocal
San Ramon, Calif. -- ChevronTexaco Corp. announced that it will acquire Unocal Corp., an
independent natural gas and crude oil exploration and production company, in a stock and cash
transaction valued at approximately $18 billion, including net debt. The acquisition is subject to approvals by
Unocal shareholders and certain regulatory agencies.
The competition market is shrinking even more with this merger as gasoline price are rising at warp speed and
the U.S. average gasoline price is $2.272 gal a new record as of 4-18 the price fell recently to 2.237.
On average in early April, gas prices were the highest in California at $2.618 for a gallon of regular unleaded;
they're lowest in New Jersey full service state at $2.069?
With high prices for crude oil and gasoline, the Oil Companies have been racking in record profits. New highs
have been set for crude oil and gasoline prices.
„Divorcement and Open Supply‟ legislation is needed to increase competition at the wholesale level to lower
wholesale prices and will lower retail prices. As of 4-11-05 gasoline prices have increased 48 cents in 2005.
WASHINGTON, D.C. - U.S. gasoline demand this summer is forecast to increase 1.8 percent from last summer,
helping to push pump prices to a peak monthly average of $2.35 a gallon in May, the federal government said.
Oil Companies Top Fortune 500 List
New York -- Big gains in revenues and profits landed several oil companies at the top of Fortune magazine's 2005
ranking of the 500 largest publicly traded U.S. companies.
Fairfax, Va.-based Exxon Mobil Corp. again grabbed the No. 2 ranking with $270.772 billion in sales, up an
impressive 27 percent from 2003. The company also topped Fortune's profits charts for the second straight year
with $25.3 billion in earnings.
San Ramon, Calif.-based ChevronTexaco Corp. was in the No. 6 spot, with sales of $147.967 billion, and
Houston-based ConocoPhillips Inc. hit the No. 7 spot with $121.663 billion in sales.
Other oil companies on the list included Valero Energy Corp. at No. 22; Marathon Oil Corp. at No. 31; and Sunoco
Inc. at No. 82.
The strength of the oil companies in this year's listing was no surprise, as the companies benefited from the price
of oil rising above $50 per barrel and gasoline selling for more than $2 per gallon.
ConocoPhillips, ChevronTexaco, Valero and ExxonMobil all ranked within the top 10 of the Businessweek 50.
Oil Companies Continue Trend of Banner Quarters
Shell's net income including inventory gains rose 42 percent to $6.67 billion. Today's report was Shell's first under
International Financial Reporting Standards accounting.
Shell is searching for new oil fields after a January 2004 disclosure that it had overstated reserves for years. The
overstatement triggered a criminal probe in the U.S., shareholder lawsuits and the departure of three executives.
ConocoPhillips, the third-largest U.S. oil company, said its profit jumped 80 percent to a record $2.91 billion, in the latest
quarter, compared with net income of $1.62 billion, a year earlier. Income from continuing operations rose to $2.92 billion,
from $1.6 billion.
Exxon Mobil Posts First Quarter Profit on Crude Prices (another record)
Exxon Mobil Corp., the world's largest publicly traded oil company, said Thursday that first-quarter earnings soared 44
percent from last year, due mainly to strong crude and natural gas prices. The company said it will boost its share
repurchase rate by $1 billion in the second quarter.
Net income surged to $7.86 billion, from $5.44 billion, a year ago. Total revenue climbed to $82.05 billion from $67.60
billion last year.
BP on course to set new profits record as oil soars
BP is likely to smash last year's multibillion-pound profits record despite revealing yesterday that refining margins had
shrunk and production growth had stalled in the first quarter.
Analysts said that given the booming oil price and additional oil and gas fields that will come on stream this year, the
company is on course to beat the net profit it made in 2004.
The price of oil continued to boom 4-3-05, setting a new record of $58.28 in New York, before easing back slightly. In
response, OPEC producers said they had begun discussing raising output, for the second time this year.
Cash/Credit Pricing Update
In April 2005 edition was Cash/Credit Pricing information that you had to post the higher of the two prices if you were considering
implementing dual pricing for cash and credit card transactions on your sign. My information was evidently wrong. Thanks to Bill
McKnight for the update that he forwarded last Friday. He spent considerable time with the appropriate authorities that are actually in
the field and overseeing posted petroleum price compliance.
He has learned that you CAN post the lower of your two prices (typically the cash price) so long as you clearly identify the price with
letters at least one-half the size of your numbers in your posted price sign. As an example if you have twelve-inch numbers for your
price you will need letters saying “Cash Price” that are six inches high. If you have numbers that are eight inches you‟ll need four-inch
letters and so on for all number sizes.
House Panel Approves Legislation Authorizing Association Health Plans
The U.S. House Committee on Education and the Workforce approved by a 25-22 party-line vote H.R. 525, the Small
Business Health Fairness Act of 2005, which authorizes small businesses to provide health care to their employees
through association health plans (AHPs).
Similar legislation has passed the U.S. House of Representatives five times, but has failed to gain traction in the Senate.
Legislation authorizing AHPs would provide gasoline stations, convenience store owners another option for insuring their
employees. This legislation is also supported by the White House.
The legislation now must be considered by the full House of Representatives and then by the Senate.
Let our Representatives and Senators know that we support house bill H.R. 525.
Below-cost gasoline retailing divides big and small marketers
Is below-cost gasoline retailing a below-the-belt tactic?
Below-cost retailing is really a predatory decision" designed to create greater market dominance over the long-
24 states have laws that prohibit below-cost retailing generally, and of those, at least four also have laws that
specifically apply to retailing of motor fuels.
North Dakota state Legislation bill would prohibit below-cost retailing of motor fuels. Part of the challenge of
enacting such legislation, is that the public tends to misunderstand its intended and actual effect.
Prohibitions against below-cost retailing have had no effect on retail prices. A 2000 study by the Federal Trade
Commission came to just that conclusion. Alabama has a strong below-cost prohibition, a well-written law; anyone
driving across the state line into Mississippi would find that gasoline prices were virtually the same.
The intended and actual effect of legislation prohibits mega-retailers from running out the competition and thus
gaining control over pricing in a market.
In recent weeks, as crude oil prices and gasoline prices have climbed to near-record levels, reports of battles over
pricing have popped up in the news. For example, on March 14 the Petroleum Retailers and Auto Repair
Association of Pittsburgh, upset about a gas discount offer by Giant Eagle Inc., had asked for a meeting with the
state Attorney General's Office. The group claims Pittsburgh-based Giant Eagle is illegally selling gasoline below
cost, which violates the state's Unfair Sales Act.
Under Giant Eagle's fuelperks! Program, customers get a 10-cent-per-gallon discount on gasoline at GetGo
convenience stores for every $50 they spend at Giant Eagle grocery stores, the news service reported.
The bill is awaiting a vote by the full Senate.
I think the defense is why big marketers sell gasoline below cost because they can buy gasoline on the open
market to eliminate Independent gasoline operators who are captive buyers of their suppliers (Oil Companies) at
a much higher price. Divorcement and Open supply Legislation is the only solution that will bring competition at
the retail and wholesale level and bring gasoline prices down through competition with the big marketers.
A Houston lawmaker has filed a resolution asking the state's attorney general to investigate
Austin, Texas: Fed up with record gasoline prices, make sure Texans aren't the victims of price gouging and consumer
Democratic Rep. Al Edwards said the average gas prices in Texas compared with last year's numbers caught his eye.
As of mid-April, a gallon of gas in Texas averaged $2.175, a record and more than 50 cents higher than the cost last year,
according to AAA.
"Prices have gone up too high, too fast," Edwards said. "I'm not so sure gas prices should be as high as they are."
The resolution, HR1242, calls for Attorney General Greg Abbott's office to conduct a study to find out why the prices are at
their current level.
"There are people out there hurting over this," Edwards said. "Cars aren't getting more miles per gallon. People who are
on a fixed income's checks didn't increase. The elderly certainly aren't receiving more money from retirement checks."
Attorneys general in Texas and other states found evidence of price gouging after Sept. 11, 2001, and again in 2003, the
These complaints aren't uncommon during these kinds of times; we are concerned, too, not about the price gouging but
about the prices.
The resolution would need to be passed by both chambers of the Legislature, and be signed by the governor, before the
Attorney General's Office could begin the study.
Big Oil Company earnings are at record profits month after month, quarter after quarter and year after year while the
gasoline retailer is on the firing lines struggling to stay in business.
Discounters gain as gas prices rise
With gasoline prices at record levels, drivers are increasingly filling up their tanks at Wal-Mart Stores, Albertsons
and other retailers not traditionally thought of as gas stations.
Big chains such as these -- even Kroger offers gas at 536 food stores -- are quickly adding new pumps, and are
gaining popularity with drivers since they often sell fuel for about three to seven cents a gallon less than
conventional service stations, according to Energy Analysts International, a consulting firm in Westminster, Colo.
At the same time, regional discount gas-station chains like QuikTrip and Love's are also popping up around the
country. Grocers and big-box discounters, which entered the gasoline business during the late 1990s, are growing
at a rate of about 20 percent a year.
As a result, major oil companies, including BP Plc, ChevronTexaco Corp. and others, are heavily marketing their
own gasoline brands as having additives that make them worth paying extra for.
Low-cost providers buy unbranded gasoline from wholesalers, usually the same refineries that produce gasoline
for brand-name stations.
Exxon Mobil CEO Receives $38 Million Package
What A Package!!!
Buoyed by high oil prices, Exxon Mobil Corp. had a record-breaking year in 2004 and chairman and chief executive Lee
R. Raymond shared in the company's success with a $38 million compensation package, the largest U.S. oil company
Exxon said that Raymond, 66, was paid $7.5 million in salary and bonus plus restricted stock worth $28 million and nearly
$2.6 million more in other compensation and incentives.
That was an increase from Raymond's 2003 package worth about $27.9 million, including $6.8 million in salary and bonus
and $17.9 million in restricted stock.
The compensation committee of Exxon's board said Raymond's package was appropriate when compared to pay for
CEOs of other U.S. oil companies and major corporations, "particularly in view of the long-term performance of the
company and the substantial experience and expertise that Mr. Raymond brings to the job."
The committee said it didn't use a formula but based Raymond's salary and bonus on leadership and results measured by
factors including long-term returns on capital and growth in earnings per share.
Raymond's compensation was detailed in Exxon's proxy filed with the Securities and Exchange Commission.
Irving-based Exxon earned a record $25.33 billion in 2004, believed to be the highest profit ever for a U.S. company after
excluding earnings inflated by the sale of a business.
Exxon's 2004 revenues were also a company record: $298.03 billion. In February, the company surpassed General
Electric Co. to become the largest U.S. Corporation by stock market value.
This column is for independent gasoline dealers, station owners
First, in order to keep the Below Cost Law in Florida, it takes a lot of time, money and a strong association to fight the
challenges to stop the repeal of the Motor Fuels Marketing Practices Act (Below Cost) from the likes of Wal-Mart, Murphy
Oil etc every year.
Our legislators in Tallahassee especially the newly elected ones have to be informed of the benefits of Below Cost
Florida has one of the lowest pre-tax gasoline prices in the nation due to competition from thousands of independent
gasoline stations. The repeal of Below Cost will eliminate independent gasoline stations through predatory pricing by the
hypermarkets and Oil Companies and less competition will encourage high gasoline prices.
Second, the independent gasoline station dealers and owners who do not belong to an association (Gasoline Retailers
Association of Florida) should support the association as members to continue the benefits of the independent gasoline
stations. There is no free ride. For information contact Pat Moricca @ 407-774-9700
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
Economist: Public wrongly blames Big Oil for high gasoline prices?
San Francisco, Calif. – Gasoline prices are at record highs again. Many think oil companies are to blame. A Field Poll
from May 2004 showed that 77 percent of Californians believed this to be true. But this just shows that people are
misinformed about who's causing high gas prices. Investigating a few clues can help find out who's responsible.
One thing is certain: Oil companies are not the culprits. In California, where gas prices are among the nation's highest, the
oil industry has been repeatedly investigated yet no evidence of "price manipulation" has ever been found.
Though other factors cause high gas prices, such as high taxes and increasing world demand, environmental regulation is
among the primary reasons. For example, environmental regulation has significantly restricted drilling for oil in Alaska and
on the continental shelf. More drilling will increase the supply and thus lower prices.
Furthermore, 18 different gasoline formulations are in use across the United States, making it much more costly to
produce and distribute gasoline. These blends aren't needed due to requirements of automobile engines, nor are they
required by oil companies. The blends, including different ones used at different times of the year and in different
geographic areas, are imposed by environmental regulations. Among other things, the regulations force refiners to incur
greater costs in switching from the production of one blend to another. They also force refiners to produce a more costly
"summer blend," which is partially responsible for the rise in price.
What the economist didn’t mention was that there isn’t enough refineries (none have been built in almost 30 years) to
produce more gasoline.
Exxon Mobil Corp. has the No. 2 ranking with $270.772 billion in sales, up an impressive 27 percent from 2003. The
company also topped Fortune's profits charts for the second straight year with $25.3 billion after taxes in record earnings.
Also there isn’t any competition at the wholesale level because ‘Divorcement and Open Supply’ legislation is opposed by
the Oil Companies while independent gasoline retailers are captive buyers of the Oil Companies wholesale gasoline
price which is higher than Open Supply market price ( Costco, Sam’s Wal-Mart etc.).
In 2004, Chairman and Chief Executive Lee Raymond shared in the company's success with a $38 million compensation
All around the country I read how our elected officials want to lower the price of gasoline. There are some good ideas and
some bad ones. The most effected way is by passing legislation; ‘Divorcement and Open Supply’ and it will create true
competition at the wholesale and retail levels. Conservation and alternative fuels will send a strong message to the crude
oil producing countries.
Politicians spread blame for high oil prices
No sooner did gasoline prices touch an all-time high of $2.28 per gallon the nation's political leaders began casting about
President Bush pointed to China, saying the most populous nation on earth is "growing like mad" and gulping down
petroleum so fast it's driving up crude oil prices.
Republicans and Democrats on Capitol Hill blamed each other for failing to pass energy legislation. After five years of
political haggling, action may soon be in sight, with the House slated to take up a bill and the Senate looking to follow.
International diplomats also got into the act.
Finance ministers from the United States, Japan and other members of the so-called Group of Seven wealthy
democracies urged oil-producing nations yet again to increase their output to meet raging global demand, as the
International Monetary Fund warned that rising crude oil prices threaten jobs and growth worldwide.
Producers counter that a global shortage of refineries, supertankers and pipelines not crude oil is driving gasoline
prices through the roof.
Consumers, though, should hang on to their wallets and not hold their breath for political relief.
Like other politicians before them, Bush and his legislative and international counterparts are learning how little direct
influence they have over the price of the nation's oil, 64 percent of which now comes from the Persian Gulf, Latin America
or elsewhere beyond U.S. borders.
"The United States of America is in a state of crisis," Senate Energy Committee Chairman Pete Domenici, R-N.M.,
recently warned. "We import oil from a dangerous and fragile world. It will take many decades to change."
With just 5 percent of the world's population, the United States burns through 20.4 million barrels of oil a day, about a
fourth of the world total. A $10-per-barrel spike in crude oil prices, in other words, costs the U.S. economy $200 million a
Credit Card Companies Increase Fees
Buffalo, NY -- As the fourth largest expense for convenience stores, credit card transactions fees continue to create
headaches for retailers. In April, Visa and MasterCard increased fees to process credit card payments. Although neither
company is saying how much fees went up, the Food Marketing Institute (FMI) says that a fee of nine percent on a $100
grocery store purchase was imposed on a MasterCard transaction, reports the Buffalo News, and that a 36 percent fee on
a $100 purchase using a Visa-branded card was applied at grocery store.
Not only are transaction fees high, consumers are also paying for gas more often with credit cards than previous years.
Because of the higher gas prices, there is an explosion in the use of credit cards. Noting that in 2003, about half of all
transactions were plastic. Retailers are saying at least 70 percent are plastic. It‟s because of the higher gas prices.
Instead of pulling out a $20, they‟re pulling out plastic to pay for a $30 or $40 fill up.
The Washington Report conveyed Visa and MasterCard‟s announcement on April 1 to increase interchange fees, and that
the increases could range anywhere from 2.7 percent for Visa Consumer Standard Credit to 9 percent or more on typical
retail purchases for MasterCard Corporate Face-to-Face transactions. The industry is very concerned about these
increases, particularly in our environment where fuel prices and the use of card based payments are also rising.
Major gasoline stations usually contains more additives and other cleaners
A spokesperson for Kroger said that chain also has sold steadily rising amounts of gasoline.
"If the gas is right there it's a lot easier to buy it there rather than traveling to another place or making more than one
stop," said Monica Gordon. "Why waste gas driving around?"
Kroger watches the local market and tries to price its gas competitively, the spokes said.
Low-cost providers buy unbranded gasoline from wholesalers, usually the same refineries that produce gasoline for
There are some differences, however. Fuel sold by major gasoline chains usually contains more additives and other
cleaners to keep a vehicle's valves and fuel injectors clean.
Gasoline sold by low-cost providers doesn't have those extras but it does meet the fuel detergent standards set by the
U.S. Environmental Protection Agency in 1995.
Customers can enhance their own gasoline by buying their own additives. Mr. Borella, of Giant Eagle, said that in
response to such demands from consumers, the retailer has begun selling additive$ and other auto supplies in its gas
Retailers Resist A National Sales Tax
Arlington, Va. -- The Retail Industry Leaders Association (RILA) announced its strong opposition to legislation in Congress
proposing a national sales tax.
“Radical proposals to impose a new, multibillion-dollar sales tax regime on all Americans would threaten the U.S.
economy and will have far-reaching, negative impacts on American consumers,” said RILA president Sandy Kennedy.
“This legislation would hit low- and moderate-income Americans the hardest, punishing those least able to pay.”
The proposed legislation would impose a 23 percent federal tax on the sale of most merchandise and services. Tax
experts predict a sales tax of closer to 25 percent to 30 percent would be required to offset the cost of moving from an
income tax system to a consumption-based system.
Such a dramatic restructuring would have a devastating effect on the economy's $3.8 trillion retail sector and would create
an excessive amount of administrative difficulties for retailers.
“This new tax would significantly depress retail sales and damage the economy by sharply curtailing consumer spending -
- spending that has been driving the U.S. economy during the past several years,” Kennedy said.
Retail employees, who represent 12 percent of the entire nation's workforce, would also feel the ripple effects of this
legislation, Kennedy said.
Florida Legislative Update
It appears as of this writing that the idea of giving individual cities fuel-taxing abilities has been beaten back and is not
included in any bill at this time. This does not mean we‟re out of the woods, however, because the League of Cities is
adamant about having this authority available to their members. Rest assured there is more to come on this as well as
other issues as we near the end of session.
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
Web Site- Corporate Defense Strategies Inc.
Almost every retail business receives bad checks:
CollectAChek is a NSF check recovery company that collects face value of check 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 email@example.com
MEADOWBROOK INSURANCE GROUP WORKERS’ COMPENSATION
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 five out of the last six years.
Court To Hear Battle Over Eminent Domain
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.
The last minute policy renewal quote:
By waiting till the very last minute it will prevent the insured (you) from being able to shop for a
lower cost policy. Below are a couple tips to help you get the best deal on insurance.
Liability: At least six weeks before your policy expires, seek out competitive quotes from at least
one additional agent/company. You will need to know your current policy coverage and terms to
get competitive information. Gasoline Retailers Association of Florida‟s/Insurance Office of
America‟s money saving programs and a complete insurance package to meet your business
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
For Group Health Insurance: Contact Sharon Cockrell @ 1-800-243-6899 x 5412 for information.
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 407-330-6933.
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 @ 407-330-3011 for a copy of their Wish List.
Please make checks payable to and mail to
Safehouse of Seminole PO Box 2921, Sanford, FL, 32772
WHEN THE GOVERNMENT WANTS YOUR PROPERTY YOU HAVE RIGHTS
But You May Also 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.
Centurion Tower-Eleventh Floor
1601 Forum Place, Suite 1101
West Palm Beach, Florida 33401 (561) 242-9400 Fax (561) 478-2433
Gas Station Including Land
New environmentally approved tanks/veeder-root/major brand
busy road-approx. 39,000 cars a day great location with land Asking 1,100,000
Plantation, Florida; Call 561 495 1373
SUPPORT ASSOCIATE MEMBERS WHO SUPPORT OUR ASSOCIATION
Grogan Realty Co.
Specializing in Gasoline stations & Insurance Office of America
Commercial property financing available 1855 W.S.R. 434
(904) 737-3493 Longwood, FL 32750
Fax (904) 731-0025 Group Health, Property & Casualty Liability
Underground Storage Tank Insurance
Meadowbrook Insurance Group Contact: Glen Esbjorn (800) 243-6899
Workers‟ Comp. Dividend Program
Paid dividends 5 of 6 years) Chokshi Accounting & Tax Services, Inc
Contact Cindy Winternitz 201 Park Place Suite # 300
(800) 575-1816 Altamonte Springs, FL 32701
Collect A Chek
NSF Check Recovery RPM inc.
Ypsilanti, Michigan 48197 Receipts-Printing-Marketing
Contact: Frank Straughn 1536 Bonair St.
Toll Free: 1-877-874-9791 Clearwater, FL 33755
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, Georgia 32502
(813) 241-4610 (813) 681-4279 (912)-283-5951
Lost your lender
No wonder: With all the mergers, acquisitions and closings, your lender is probably lost too.
We specialize in extending competitive rates on financing from $75,000 to $5,000,000 through SBA and USDA guaranteed loans.
GOLETA NATIONAL BANK
A Community West Company
Contact John Grogan Business Development Officer
Office 904-731-9020 fax 904-731-0025 cell 904-571-6564 E-Mail firstname.lastname@example.org
GASOLINE RETAILERS ASSOCIATION of FLORIDA
WELCOMES ALL NEW MEMBERS
MEMBERSHIP DOES NOT COST, IT PAYS
Oil prices briefly passed the $58 mark in March
Nymex Crude Oil Prices
4-1 57.27 4-11 53.71 4-19 52.29 4-27 51.61
4-4 57.01 4-12 51.86 4-20 52.44 4-28 51.77
4-5 56.04 4-13 50.22 4-21 54.20 4-29 48.50
4-6 55.85 4-14 51.13 4-22 55.39
4-7 54.11 4-15 50.49 4-25 54.57
4-8 53.32 4-18 50.37 4-26 54.20