Westchester County Business Journal 012615 by Westfair Business Journal

15 | SPECIAL REPORT January 26, 2015 | VOL. 51, No. 4

27 | FASHION TALK

YOUR ONLY SOURCE FOR REGIONAL BUSINESS NEWS

Agency sues Bronxville, developer

CUOMO FLOATS SMALL BUSINESS TAX BREAK BY JOHN GOLDEN

BY JOHN GOLDEN

jgolden@westfairinc.com

fair-housing nonprofit agency in White Plains has gone to federal court claiming village of Bronxville officials and a Greenwich, Conn.based developer have illegally discriminated against families with children at a downtown condominium project under construction near Bronxville’s MetroNorth train station. Westchester Residential Opportunities Inc. filed the complaint in U.S. District Court on Jan. 15 against the village and Gateway Kensington LLC, the developer of a 54-unit condo building on Kensington Road. Gateway Kensington is an entity of Fareri Associates LP in Greenwich. “Bronxville and its develop» BRONXVILLE, page 6

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IN A COMBINED STATE OF the State and budget address that drew on his late father’s stirring oratorical legacy, Gov. Andrew Cuomo outlined a 2015 “opportunity agenda” for the state that includes lower income tax rates for some small businesses and another raise in the state’s hourly minimum wage that is opposed by one of the state’s largest business groups. Cuomo, whose State of the State speech was postponed earlier this month due to the death on Jan. 1 of his father, former Gov. Mario Cuomo, also proposed to award three funds of $500 million each in an upstate New York economic revitalization competition that would pit the seven-county mid-Hudson region against the Albany capital district and five

SCHOOLED IN STRATEGY [ PAGE 2 ]

Professor Ray Manganelli and student Aranka Vitarius of Mercy College’s Strategic Consulting Institute.

» CUOMO, page 10

Greenburgh considers massage parlor crackdown BY LEIF SKODNICK lskodnick@westfairinc.com

TOWN OF GREENBURGH OFFICIALS AND community activists don’t want massage parlors to rub residents the wrong way. Proposed legislation that would regulate massage businesses came before the Town

Board in a special meeting Jan. 20 and was referred to the Planning Board after a vote. Gre enbu r g h Tow n Supervisor Paul Feiner said the town has been playing a game of Whac-a-Mole with the massage parlors for years. “We’ve closed them down several times,” Feiner said. “They

close, and a week later, they reopen with a new name.” The legislation would require that massage establishments get a special use permit from the town board, as well as go through a licensing process that would include reviews by the chief of police, fire marshal and building inspector. Businesses seeking a

license also would be required to list the partners or stockholders in the business, who would have to be fingerprinted and undergo background checks. Drafted by local attorney and Edgemont Community Council President Bob Bernstein, the proposal closely parallels simi» GREENBURGH, page 6

NEWS NOON @

» YONKERS, page 1

Biz

Mercy has high expectations for consulting program BY LEIF SKODNICK lskodnick@westfairinc.com

o you know how many management consultants it takes to change a light bulb? It depends how big your budget is — or so the old joke goes, and it’s one of many that Ray Manganelli, a professor in the MBA program at Mercy College, has heard over the course of his career. Those who tell the jokes, Manganelli said, “really don’t understand the uses of consulting.” But to Manganelli, a consultantturned-professor who holds an MBA and a Ph.D. from Columbia Business School, consulting builds important leadership skills for business, and Mercy College’s Strategic Consulting Institute gives MBA students the opportunity to build those skills hands-on. “To be an excellent consultant, you have to have excellent communication skills, very good quantitative skills and very good problem solving skills,” Manganelli said, who said that Mercy’s faculty combines consulting experience with the desire to bring that experience to the academic world. “The whole idea at Mercy was to do something that was first in the United States, and that is have a consulting institute to allow students to learn consulting skills.” Management consulting is a $500 billion a year worldwide industry, if you include outsourcing of business segments such as logistics or information technology, Manganelli said. Consulting, especially so-called advisory consulting, continues to grow, especially in emerging markets such as Asia and Africa. “(Consulting) is an imprecise term,” Manganelli said. “If you add up all the advisory consulting work of the type that we do with the Strategic Consulting Institute, all the outsourcing work, all of the specialty work ... you get that half-atrillion dollar figure.” Mercy’s MBA students who participate in the institute get hands-on experience while still in school, and if they don’t want to be consultants Manganelli said that the students gain skills that will enhance their profiles as leaders wherever their career might lead. “Consulting is business-to-business, so an average consumer won’t use a consultant,” Manganelli said. “Businesses, especially big businesses, use consultants for

January 26, 2015

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capacity or complexity. If there’s a lot going on and we can’t handle everything at one time, such as during a merger or acquisition, we’re going to bring in somebody who’s a pro — or when something is very, very complex, and that’s what our students have begun to do.” So far, through the institute, the college’s MBA students have taken on projects helping a neurosurgery practice explore the impact of the Patient Protection and Affordable Care Act, helping IBM manage

“THE GOALS FOR THE STUDENTS ARE TO GIVE THEM AN EDGE, WHERE THEY’RE GOING OUT AFTER A JOB THAT THEY’VE ALREADY DONE MEANINGFUL AND SIGNIFICANT WORK THAT ORDINARILY, A STUDENT DOESN’T GET TO DO.” — Ray Manganelli

information technology funding, and consulting with the city of White Plains on a pedestrian plaza in the city. “This gives (the students) an opportunity to demonstrate the skills,” Manganelli said. “It’s really a practicum, in the way that the medical (students) have a practicum. You get out and you do it.” “The goals for the students are to give them an edge, where they’re going out after a job that they’ve already done meaning-

ful and significant work that ordinarily, a student doesn’t get to do,” Manganelli said. At the moment, Mercy College is the only MBA program that is a member of the Association of Management Consulting Firms, which speaks to the weight it places on consulting. Since its inception in 2014, the institute has trained more than 50 students, completed 10 consulting assignments and has several more high-profile projects upcoming, according to a press release provided by the college. One project this year is with the Westchester County Association, the business advocacy organization that is launching a Hudson Valley Workforce Academy to train workers for available jobs in health care and other industries. WCA officials at a recent press conference said they are working with the institute to interview WCA’s member employers to identify additional needs for job training and skilled workers. “The real secret is Mercy College’s Manhattan campus,” said Manganelli, because of the multitude of companies that maintain corporate headquarters in the city. Students in the MBA program can take classes at Mercy’s campus in Dobbs Ferry or in Manhattan. The college has two other campuses, one in the Bronx and one in Yorktown Heights. Manganelli sees growth in Westchester County for the business community, the MBA program and the institute. He expects the MBA program to grow to 500 students within the next two years and 1,000 students by 2020, with approximately one-third participating in the institute. “Westchester is where many of our students are from, and our strong relationships are in Westchester County,” Manganelli said. “The county offers a unique opportunity for the consulting institute because of its positioning geographically, economically, because of its role in the seven-county (Hudson Valley) region.”

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Co-op sales lead housing market in 2014 BY JOHN GOLDEN jgolden@westfairinc.com

ncreased demand for co-op apartments drove an 8 percent rise in residential real estate sales in Westchester County in the fourth quarter of 2014 and kept the county market from a decline in overall housing sales for the year. While sales of single-family houses dropped nearly 1 percent last year from 2013, the median sale price of a Westchester house rose 4.1 percent for the year to $635,000, according to the Hudson Gateway Association of Realtors. HGAR reports deals from Realtors in Westchester, Putnam, Rockland and Orange counties participating in the Hudson Gateway Multiple Listing Service. Overall housing sales in the county totaled 8,609 units in 2014, a 0.6 percent increase from 2013. Condominium sales, which totaled slightly fewer than 1,100 for the year, dropped 5.2 percent from 2013. The 1,709 co-ops sold in the county last year amounted to an 11.3 percent increase from 2013. The county’s smaller market for two-family to four-family houses had 409 sales in 2014, a 2.9 percent drop from the previous year.

Brokers reported 479 co-ops sold in the county in last year’s fourth quarter, a 24.4 percent increase from fourth-quarter co-op sales in 2013. The fourth-quarter median sale price for a co-op rose slightly from $145,000 in 2013 to $146,000 last year. For all of 2014, the median sale price of co-ops was $147,500, down 1.7 percent from 2013. Brokers at Westchester Real Estate Inc., an association of independent real estate companies based in Eastchester, in their fourthquarter market report said home prices continue to rise in most geographical market sectors of the county but at “a slower and more sustainable pace” than in the last couple of years. In the luxury homes market, Bronxville led the county in last year’s fourth quarter with a median price of $1.93 million for six homes sold there, according to the Westchester Real Estate Inc. report. Scarsdale, where 42 houses were sold from October through December, had the county’s next highest median sale price at $1,512,500. Single-family houses in Purchase sold in the fourth quarter at a median price of $1,487,500. Member brokers of Westchester Real Estate said house sales in many Westchester communities are still constrained by the lack

Source: Hudson Gateway Association of Realtors

of inventory, especially in the most popular price ranges. The Hudson Gateway Multiple Listing Service at the end of 2014 had 2,196 listings for single-family houses in Westchester, a 5.6 percent decrease from the start of 2014. Co-op listings fell to 937 at the close of 2014, a 22.5 percent reduction since the start of the year in that growing market for buyers. Sales of condominiums also surged in the fourth quarter, with 307 closings that amounted to a 13.7 percent increase from the

fourth quarter of 2013. The median sale price of a condo rose 2.8 percent for the quarter, to $335,000. For the year, the mean sale price of a Westchester condominium rose 2 percent to $350,000. In the four-county area served by the Hudson Gateway Association of Realtors, brokers reported 14,169 residential deals closed in 2014, a 1.1 percent increase from 2013. Last year’s sales volume for the four-county region was the highest in any year since the 20082009 recession, according to HGAR.

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January 26, 2015

First tenants join biotech incubator BY JOHN GOLDEN jgolden@westfairinc.com

hree companies developing medicalrelated products and treatments are the first tenants accepted into New York Medical College’s biotechnology incubator in Valhalla. The $5 million specialty business incubator, BioInc@NYMC, was launched last fall in a 10,000-square-foot wing at 7 Dana Road, a newly renovated, 129,000-square-foot laboratory and research building that stood vacant for several years on the Grasslands campus. New York Medical College officials said the incubator initially includes about 4,500 square feet of finished laboratory and office space and shared infrastructure, and the remaining space will be developed as the initial spaces are filled. The medical school announced its pioneer tenants are Conversion Energy Enterprises

Inc., a company run by a husband-and-wife team that develops and prototypes laser products for medical uses; MB Group USA, a supplier of sugar-substitute products derived from rare fruits for diabetics, chemotherapy patients and sugar-avoiding consumers; and MOE Medical Devices LLC, a maker of cold electrical plasma therapies to treat diseases. Conversion Energy Enterprises was cofounded in 1993 by its CEO, Barbara A. Stoltz, a former research director at the McDonnell Douglas Aerospace Co. optoelectronics center in Elmsford, and Robert Stoltz, a former electronics engineer at McDonnell Douglas. The company uses proprietary laser technology to develop light-activated wound healing products and laser-controlled biological bonding agents designed to lower the risk of infection and improve or replace conventional methods of tissue repair, such as sutures. New York Medical College officials said CEE plans to soon expand its facilities and

staff. The company on its website lists an office in Spring Valley in Rockland County and a laboratory at the Commercialization Centre of New Jersey in North Brunswick. “Working in an energetic, intellectually supportive environment that fosters innovation and development will help us to continue the work that we do and bring our company to the next level,” Barbara Stoltz said in the school’s announcement. “We look forward to working alongside fellow entrepreneurs with similar goals and aspirations, and are grateful to New York Medical College for this opportunity.” MB Group USA produces two trademarked food products, MiraBurst and MiraSweet, for chemotherapy cancer patients with taste buds altered by treatments, diabetics regulating blood sugar and people cutting down on sugar in their diet. The company on its website says its MiraBurst products are derived from “miracle

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berries” grown in Ghana that contain a protein called miraculin. The protein binds to and temporarily alters taste buds so that sour and acidic foods taste sweet. MiraSweet is described as an all-natural, zero-calorie sugar substitute. NYMC officials said the incubator’s third tenant, MOE Medical Devices, is developing cold electrical plasma systems and treatments to target and destroy pathogens and abnormal tissues while avoiding damage to surrounding healthy tissue in patients. The company is running several clinical trials and pre-clinical studies for the treatment with plasma applications of fungal infections of the toenails or fingernails and pre-cancerous lesions found in many areas of the body. “Our vision is to build interdisciplinary collaborations among clinicians and engineers to enable creation of innovative energybased therapeutics for difficult-to-treat conditions,” said Marc Zemel, CEO of MOE Medical Devices. “We look forward to expanding our partnership and activities with the entire NYMC community.” “These companies have already achieved great success and we look forward to seeing them continue to flourish in their new home,” said Randi Schwartz, interim director of BioInc@NYMC and associate dean for academic administration at New York Medical College.

U-HAUL’S PARENT COMPANY, ARIZONA-BASED AMERCO Real Estate Co., paid $6.1 million for a 152,000-square-foot industrial building that will house its moving and storage business in New Rochelle. The building at 125 Beechwood Ave., on a 4.2-acre site near Interstate 95, will be used for U-Haul truck and van rentals and selling moving supplies, with other potential uses, said brokers at CBRE Group Inc. involved in the December deal. Kevin Langtry, a vice president in CBRE’s Westchester/Fairfield office, represented the seller, LARS Realty Co. of New Rochelle, in the transaction. Jami Savage, a vice president in CBRE’s Phoenix office, and Kevin McCarthy, a vice president in CBRE’s Westchester/Fairfield office, represented Amerco. Langtry in a press release said the sale “really continues a trend of any relatively large block of industrial being scooped up by users, there aren’t many options to purchase.” — John Golden

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January 26, 2015

1/5/2015 4:41:17 PM

Bronxville — From page 1

er have deliberately set out to design and market new condominiums to deter families with children from moving into the village,” said WRO Executive Director Geoffrey Anderson when announcing the lawsuit. The housing agency claims Bronxville officials acted illegally when in 2006 they created an “age-targeted” special use permit in the village zoning code, which allows developers to build more units than allowed by zoning law if the housing is designed to appeal primarily to individuals and couples without children. The Gateway Kensington developer was granted the special permit in 2013, according to the plaintiff. The housing agency said the Gateway Kensington apartments are intentionally designed for empty nesters, with few bedrooms and with dens lacking closets and placed far from bathrooms. The development will not offer any child-friendly amenities, according to the agency. Such discrimination is not only wrong but illegal, said Marlene Zarfes, director of fair housing at WRO. “Municipalities violate fair housing laws when they develop housing for so-called empty nesters and discourage families from living in their communities. While age-restricted housing for seniors can be created legally under federal law, it must be for those either 55 or 62 and older.”

Greenburgh — From page 1

lar legislation passed in Clarkstown in Rockland County and Farmingdale on Long Island, as well as Greenburgh’s 1977 cabaret licensing law. Bernstein said the law would help legitimate massage businesses while forcing massage parlors that serve as fronts for the sex trade out of town. Greenburgh’s cabaret law was designed to force organized crime out of the bar business during the late 1970s, and Berstein said that law served as a framework for the massage parlor legislation. “All we’re doing is changing the focus from cabarets to massage parlors,” said Bernstein, who is an attorney with Eaton & Van Winkle LLP. “Legitimate massage businesses will have no trouble complying. It’s only the bad guys who will have a problem.” The “bad guys” Bernstein referred to have drawn complaints from citizens and attention from law enforcement. “We’re concerned about the exploitation of the women that work at these establishments,” said Feiner. “These are not the kinds of businesses we want on Central Avenue.”

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The village of Bronxville, in a Kensington Road condo project fact sheet posted on its website, says the development is projected to generate “only 5 to 7 school-age children” and bring an estimated $600,000 in annual tax revenue to the village and school district. “This age-targeted concept is a new one,” said Diane Houk, an attorney representing WRO at Emery Celli Brinckerhoff & Abady LLP, when asked whether there were any case precedents for lawsuits against municipalities for discriminating against families with children in housing. “I have not heard of others doing that.” “What we see is suburban communities using their zoning codes to restrict access” on the basis of race, ethnic group, disabilities and other factors, she said. WRO in its complaint claims the village and the developer are in violation of provisions of the federal Fair Housing Act and the state Human Rights Act prohibiting discrimination on the basis of familial status and age. The agency has asked the federal court to permanently bar the village from using its “age-targeted” category and to make the developer revise project plans “to ensure non-discrimination in the design, marketing, and sale” of the condo units. WRO said its investigation of the village, which led to the lawsuit, was supported by a grant from the U.S. Department of Housing and Urban Development through its Fair Housing Initiatives Program.

Classified advertising website Backpage.com’s Westchester page, which has listings for “body rubs” in its “adult” section, contained advertisements for several Greenburgh massage parlors. In total, the Business Journal found six ads posted on Backpage.com within the 24 hours before press time advertising showers and massage services in Greenburgh. One ad, for Green Rose Bodywork at 455 Central Park Ave. in Scarsdale, advertised massages and showers for $60 per hour in a “Quite (sic), clean place” by “nice, pretty Korean/Japanese girl.” A phone call to the number listed for Green Rose Bodywork, a Manhattan cellphone, was directed to a voicemail box that had not been set up. Another, for New Scarsdale Spa, at 390 Central Park Ave. in Scarsdale, claimed “We have young and sexy asian girls … We offer the best Body Work in town.” Reached by phone, a worker at New Scarsdale Spa said she did not understand a reporter’s question because of a language barrier. “I’m not the owner; I don’t know,” said an employee at Yoyo Healing Spa at 135 E. Main St. in Elmsford, who only identified herself as “Kim.”

The entrance to the construction site for Gateway Kensington’s condo building in Bronxville.

Christopher McNerney, Greenburgh police chief, told the Business Journal there are nine massage parlors operating in Greenburgh. “We’ve certainly had incidents of prostitution at some massage parlors,” McNerney said. “We’ve arrested people at these places for sex acts, as well as practicing massage without a license.” McNerney said he could not recall the number of arrests made for prostitution at massage parlors in Greenburgh but said investigations by his agency revealed massage parlors were offering sex acts to customers for fees. “In 2013, we had a large-scale multiagency investigation, involving Homeland Security, the New York State Attorney General’s office, the Greenburgh police, the Westchester County District Attorney and others,” McNerney said. According to news reports, the investigation resulted in seven massage parlors in Greenburgh being shut down and 19 women being arrested in August 2013, mostly for practicing massage without a license, a felony in New York state. McNerney said the investigation did

not reveal any evidence that the women involved were victims of human trafficking, which is one of Bernstein’s major concerns. “There’s a major problem now with human trafficking in the sex trade, and it revolves around brothels fronting as massage parlors in suburban towns,” Bernstein said. “(The victims) are typically young Asian immigrants that get caught up in human trafficking.” Bernstein said the massage parlors also present quality-of-life issues to residents and businesses. “Residents have told me they feel uncomfortable patronizing businesses near these places,” he said. “We want to put a stop to something that is unpleasant to the quality of life in Edgemont and put a stop to human trafficking.” While he’s hopeful the legislation he drafted will get passed, Bernstein said he thinks bureaucracy will keep the massage parlors open – for a while, at least. “It could be months and months before this is passed and implemented,” he said. “The Planning Board is bogged down. It could be three months before this even gets on their agenda.”

BY ALEXANDER ROBERTS

Why Westchester can’t compete with Austin

here was a time when Westchester County used to compare itself to Travis County, Texas, which includes the city of Austin. In 2000, Travis County had a population of 812,000, compared with 923,000 in Westchester. Today, Travis County is booming, with a population of 1.12 million, while Westchester has lagged, with 969,000. But if you want to quantify how poorly Westchester has performed economically, you may look at IRS data showing the net aggregate adjusted gross income from migration. This is the aggregate adjusted gross income of in-migrants minus the aggregate adjusted gross income of outmigrants. In-migrants are those who filed tax returns in different counties, states or abroad in the previous year but filed locally in the current year; out-migrants filed taxes locally in the previous year but filed in different counties, states or abroad for the current year. The results are sobering. In Texas, during the six years from 2006 through 2011, Travis County gained $2.1 billion, while Westchester lost $536 million. That’s over half a billion dollars in resources no longer available to stimulate the economy and share Westchester’s tax burden. And one of the reasons why the money and business are leaving is a lack of workforce housing. If you compare the percentage of homes affordable to a household at 80 percent of the area median income in Austin ($60,300 for a family of four) to the same 80 percent of area median income in Westchester ($83,000 for a family of four), you find that 27 percent of the homes on the market in Austin are affordable while only 10 percent are affordable in Westchester (and you can imagine that they tend to be in the poorest school districts). The story for rental housing isn’t much better. For households at 80 percent of the area median income, 46 percent of the rental apartments are affordable in Austin, compared with only 22 percent in Westchester. This data is from the 20082012 American Community Survey. As Nela Richardson, chief economist for the real estate brokerage Redfin, said on CNN, “Texas and other heartland states have two advantages that translate into affordable housing: plenty of cheap land around cities and easy regulations that enable developers to build quickly.” Don’t be fooled by all of the recent hype about recovery in the housing market; the

county just finished its fourth year in a row of negative net office space absorption with 21 percent vacancy. Westchester remains deeply unattractive to business because of its uncompetitive housing market. Alexander Roberts is executive director of the fair housing group Community Innovations Inc., TWBheadquartered Tota w/snipein White Plains. He will examine WCBJ demographics in Westchester County in a monthly columnhfor the Business Journal. 7.375” w x 7.125” 1/8/15 him at aroberts@chigrants.org or 914 Contact 683-1010.

The Westchester Bank always goes the extra mile for our law firm. They understand our needs and have proven to be special partners in our success. The percentages of homes affordable to a household at 80 percent of the area median income in Westchester County and New York compared with Travis County and Texas.

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January 26, 2015

ACCESS. ADVOCACY.

Westchester County Association

ACTION.

NOW in Session:

HUDSON VALLEY WORKFORCE ACADEMY RETRAINING WORKERS TO FILL 2,500+ CRITICAL JOBS BIG DATA

n February 24th, the Westchester County Association will present Day One of “Healthcare Analytics,” the first course to be offered by the new Hudson Valley Workforce Academy, a bold new initiative to retrain workers and address the region’s need for skilled employees. At present, there are an estimated 2,500+ job vacancies in healthcare and technology in the Hudson Valley. For the first time, employers will join area colleges and universities in creating curricula for training the current and future workforce, according to the needs of the market place. The Hudson Valley Workforce Academy will offer shortterm certificatebased courses in areas including management, critical thinking, organization, and communi cation, among others. Courses are being determined, in part, through a needsassessment survey that is being conducted by Mercy College’s Strategic Consulting Institute, which is partnering with the WCA on this project. “The Academy is sorely needed so that workers can keep up with the pace of technological change, especially in healthcare,” said William P. Harrington, chairman of the WCA, at a press conference on January 13th. “The idea is to empower workers and give them the tools to succeed in the new economy.” A certificate of completion, backed by participating academic institutions, will be given to participants at the conclusion of each course. Curricula will be developed by the WCA’s higher education partners, taught by experts in industry and academia, and delivered at a neutral site. Amy Allen, WCA vice president, will serve as executive director of the new Academy. “The healthcare sector is the Hudson Valley’s largest economic engine, contributing more than $15 billion to the regional economy,” said Harrington. “The Academy will help better position workers to fill the vacant positions, create jobs, and help our regional economy grow.”

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Healthcare Analytics is designed for healthcare managers with littletono experience with analytics. It will teach students about the rich clinical and business sources of ‘Big Data’ available in the healthcare industry. Jeffrey Menkes, a senior vice president at Montefiore Medical Center, said the skills are critical as Big Data drives innovation in patient care and population health management. “The WCA truly recognized the need that all healthcare providers, and employers in general, are facing in keeping their workforce trained in the skills needed in today’s workplace. The WCA’s Academy will be an essential resource to every healthcare employer in the region,” Menkes said. For more information or to register, visit westchester.org “As a large multi-specialty physician group in the Hudson Valley region, we are acutely aware that the healthcare business today is very different than what it was in the past. Critical skills such as data analytics are vitally important in managing population health across multiple settings and we are excited about the Academy’s first course in healthcare analytics.”

Donna McGregor, Crystal Run Healthcare, Paul Savage, Iona College

—DONNA McGREGOR, CFO Crystal Run Healthcare

The WCA announced the new collaborative Academy with their partners in higher education and healthcare on January 13.

COMING UP

HUDSON VALLEY HEALTHCARE CONSORTIUM SIGNS MOU WITH WCA TO COLLABORATE ON ECONOMIC DEVELOPMENT

New Series:

“The Business Of…”

o help facilitate workforce training through the Hudson Valley Workforce Academy and to spur economic vitality in the region, the WCA signed a historic Memorandum of Understanding (MOU) with the region’s largest healthcare employers. To date, 20 regional healthcare providers including the Suburban Hospital Alliance of New York State have signed the MOU. The agreement follows MOUs previously signed with area college presidents and city mayors to collaborate on the WCA’s BLUEPRINT for Westchester. “We have a proven track record of staying ahead of the curve,” said Marissa Brett, WCA president. “Through legislative advocacy, creating alliances deep and wide, and our economic development initiatives, the WCA is uniquely positioned to help the healthcare, business, and higher education communities address the challenges they collectively face.”

WCA to Apply to Manage $9.8 M Federal Jobs Grant To further strengthen the healthcare sector through job creation, the WCA will respond to a forthcoming WestchesterPutnam Workforce Investment Board RFP to serve as project manager of the “Hudson Valley Healthcare Connection” initiative. Funded by a $9.8 million Federal Ready to Work Partnership grant, the Hudson Valley Healthcare Connection will provide 500 longterm unemployed and current employees with intensive training for healthcare jobs. Marissa Brett described the WCA as an ideal project manager. “The WCA has proven it can turn a vision into a successful, tangible program,” she said. She cited as examples WCA’s BLUEPRINT for Westchester, four groundbreaking economic development and healthcare conferences, the BLUEPRINT Accelerator Network, creation of biotech, tech, and healthcare networking groups, MOUs with institutions of higher learning and Westchester’s mayors, and the work of the original WCA Blue Ribbon Task Force on Healthcare Reform, created in 2005.

The Business of Beer Wednesday, January 28, 6 to 8 pm HalfTime | 139 Hoyt Avenue Mamaroneck, NY 10543 YP Members and WCA Members: $35; Nonmembers: $55 Series Sponsor: People’s United Bank Event Sponsor: New York Hospitality Group

Join us for the first installment of the WCA’s new series about upandcoming industries in Westchester. Featured: informative panel discussion with Westchester’s top brewers including Broken Bow Brewery, Captain Lawrence Brewing Co., HalfTime, and Yonkers Brewing Co. Samples of their craft brews will be offered throughout the discussion. Accelerate Westchester Meetup: IP Law for Entrepreneurs & A Special Celebration Thursday, February 5, 5:30 to 8 pm Reckson, a division of SL Green 360 Hamilton Avenue White Plains, NY 10601 $10 per person Quarterly Networking Reception Tuesday, February 10, 5:30 to 7:30 pm Whitby Castle 330 Boston Post Road Rye, NY 10580 Members: $55, NonMembers: $75

ECONOMIC FORECAST:

Sunny & Bright

What’s in store in 2015? Over 300 business leaders found out, when they attended the WCA’s 2015 Forecast: State of the Westchester Market Breakfast on January 8th. County Executive Rob Astorino unveiled his economic development agenda for the year ahead. Lisa Shalett, an economist with Morgan Stanley, analyzed the state of the market, and a panel of real estate experts—including William Cuddy, CBRE, Guy Liebler, Simone Healthcare Development, Chris Meyers, Houlihan Lawrence, Inc., Ayall Schnanzer, Friedland Realty Advisors, and Glenn Walsh, Newmark Grubb Knight Frank—painted a positive economic picture for Westchester and the region.

Kevin Plunkett, Westchester County Deputy Executive; Rob Amler, M.D., New York Medical College; William Mooney, III, Westchester County Director of Economic Development

Glenn Walsh, Newmark Grubb Knight Frank; Ayall Schnanzer, Friedland Realty Advisors

Promotional Partners: NYS Society of CPA’s—Westchester Chapter, Westchester Women’s Bar Association, Westchester Bar Association

Save the Date! | Health Tech ‘15 The WCA will host a conference celebrating Westchester’s Innovation Economy May 18-19, 2015.

Joanne Deyo, Regeneron Pharmaceuticals; Hillarie Siles, Newmark Grubb Knight Frank; Patricia Adrigo, CBRE

Lawrence Graham, Cuddy Feder; John Barnes, Reckson SL Green; Anthony Gioffre III, Cuddy Feder Tony Maddalena, Morgan Stanley; Marissa Brett, WCA; Lisa Shalett, Morgan Stanley; Rob Amler, M.D., New York Medical College; Rob Astorino, Westchester County Executive

For more information or to register for events:

westchester.org or call 914.948.6444

WCBJ | HV Biz

January 26, 2015

ASK ANDI

BY ANDI GRAY

Harness the power of your best clients to thrive We find that maybe five out of 100 customers fit our “best client” criteria. Our goal is to have 80 percent fall into that category, but we can’t just get rid of everyone else. How do we get more great clients? THOUGHTS OF THE DAY: Knowing how to identify your best customers is the first step on the road to a truly thriving business. Building a portfolio of the best customers is a work in progress. Great clients challenge you to do better. Decide on strategies to pursue to get more great clients. The best customers seek a good fit. They are learners. They pay attention. They check references. They work with your company on long-term plans. They’re not fooled by providers that underbid and provide sub-par solutions. What do your most profitable clients have in common? Consider employee and revenue size, industries and resources, level of profitability, goals, types of business, years in business, access to key contacts. Build cri-

Cuomo — From page 1

other regions. Cuomo proposed to phase in over three years a 4 percent cut in the state’s corporate franchise tax on small businesses. The tax, currently at 6.5 percent of net income, would drop to 2.5 percent in the 2018 tax year, providing an estimated $32 million in tax relief when fully implemented. The tax rate would be set at 3.25 percent for the 2016 tax year and 2.9 percent in 2017. In a weeklong rollout of the re-elected governor’s 2015 agenda leading up to his Jan. 21 speech in Albany, the governor’s office said businesses qualifying for the lower corporate franchise tax must have fewer than 100 employees and a net annual income less than $290,000. The rate would be phased up to the standard 6.5 percent rate for businesses with net income of $390,000 or more. The governor’s office said the franchise tax rate will fall to the lowest since 1917, when the tax was enacted. Saying that already approved hikes in the state’s hourly minimum wage — to $8.75 this year and $9 in 2016 — are not enough to cover workers’ food and rent costs and keep them

January 26, 2015

WCBJ | HV Biz

teria for the best; assess existing clients and prospects. Your best customers should get priority. Limit support for customers that don’t measure up. Free up time to pursue prospects with “best client” demographics. Tell clients how much they matter. Watch them reciprocate. The best clients always do. The duds — target them for eviction. Get average clients’ attention by talking about results you’re achieving for your top tier. Watch who listens. Put time and effort into those that want to improve. Each year, weed out some of your worst customers. Suggest they begin to look for alternate solutions. A dose of rejection may make them straighten up and improve. If nothing else they’ll likely respect you for giving them a heads up. There are lots of ways to get great clients. Here are some suggestions. Raise your company’s profile by working with top-notch clients. Look for clients doing great work with a reputation for quality and value. Become known by the company you keep. Seek out companies and individuals that

choose to be winners in their field. Help them solve problems. Line up contacts that can contribute to their success. Look out for them by understanding what they care about. Team up with companies you respect. Learn how they attract great clients by helping them with their marketing and sales efforts. Seek prospects that are tackling issues your company is passionate about. Discuss shared interests. Build relationships based on common goals and intentions. Watch profits rise as you help each other succeed. Know what your company is good at. Don’t overpromise or stray too far from your core. Meet or exceed expectations on every commitment. Carefully test new offerings in a way that won’t jeopardize trust with your clients. Let your company’s performance speak volumes about reliability. Get to know your top contacts inside and out. What do they like to do? Where do they go in their free time? What do they read or listen to? Answer those questions and you’ll know where to look for additional great prospects.

Like-minded people tend to congregate with each other. Expand your network by asking your best clients for referrals. Go with them to networking functions and trade shows. How do your best customers describe themselves? What are they passionate about? What kinds of questions are they looking to answer when talking to people in your industry? Learn how to describe your business in your customer’s voice, so that other like-minded people will recognize and attach to the descriptions you put out in ads, elevator pitches and on your website. Looking for a good book? Try “Marketing: A Love Story: How to Matter to Your Customers,” by Bernadette Jiwa.

out of poverty, Cuomo in his speech proposed to raise the statewide minimum wage to $10.50 by the end of 2016 and to $11.50 in New York City. The proposal received mild applause from his audience in Albany. The head of the Business Council of New York State in advance of Cuomo’s address said the additional $1.50 hourly hike proposed by the governor would be “extremely difficult for businesses to implement.” “The end result will be fewer jobs created and potential job losses that will adversely impact both small businesses and entry level workers,” said Business Council President and CEO Heather C. Briccetti. Cuomo earlier announced his plan to create NY Business Express, described as a one-stop shop to help small businesses get started and grow and to more easily navigate the licensing and permits process of various state agencies. Cuomo said the state will create a single online portal for all business and occupational licensing activities. It would include a new consolidated business application, similar to the consolidated funding application implemented four years ago by the Cuomo administration to speed state agencies’ review and awards of funds for public

and private economic development projects. The state also will provide a single phone number for all business questions and support services and a single cross-agency team to handle business starts and license processing. The governor said he will appoint the state’s first chief small business officer, responsible for coordinating between agencies all new and existing policies affecting the start and growth of small businesses in the state. Como proposed to use $1.5 billion of the $5.4 billion in legal settlement funds received by New York for a regional competition to fund development projects that focus on strengthening critical infrastructure, revitalizing communities, bolstering workforce development, growing tourism and improving quality of life, according to the governor’s office. The competition will draw on the state’s 4-year-old Regional Economic Development Councils to develop regional investment plans. It will incorporate elements of the Buffalo Billion investment development plan announced by Cuomo in 2012 and created the following year by the Western New York Regional Economic Development Council.

Cuomo’s office said the Buffalo Billion initiative has spurred $11.3 billion in regional private investment in the last three years and has brought nearly 3,800 jobs and 812 new firms to western New York, resulting in a 4 percent increase in total regional wages. The mid-Hudson council and region will compete for one of three $500 million awards with the Capital Region, Mohawk Valley, Central New York, North Country, Southern Tier and Finger Lakes. Cuomo this month named Richard Tobe, deputy Erie County executive, to direct the competition and upstate revitalization program. Cuomo in his address said the state will capitalize a $35 million Global NY ExportImport Bank to enable more New York-based companies to export their products to established and emerging markets. The bank will provide grants and loans to small- and medium-sized businesses. Cuomo said New York in 2015 aims to award 30 percent of state contracts, or about $2.4 billion, to minority-owned and womenowned businesses, the highest percentage awarded in the nation. New York last year awarded 25 percent of its state contracts, or $2 billion, to minority and women business enterprises, he said.

Andi Gray is president of Strate�y Leaders Inc., strate�yleaders.com, a business-consulting �irm that specializes in helping entrepreneurial �irms grow. She can be reached by phone at 877-238-3535. Do you have a question for Andi? Send it via email to AskAndi@strate�yleaders. Visit AskAndi.com for an entire library of Ask Andi articles.

BY PETER C. DIAMOND

A change in attitude can clear career gridlock CB Bedford-WBJ 1.26.15_Layout 1 1/20/15 9:45 AM Page 1

he beginning of a new year brings the promise of a fresh start. However, like many others, you may struggle with a stalled career or lack of personal and professional growth. The prospect of initiating change is daunting. This is particularly true if you’re looking for a job, wanting to change companies or start a new career. When times are good, you are charging forward on autopilot without much thought. You are positive and future-focused. When times are bad, you suddenly feel as though you are stuck in neutral or worse yet reverse. You quickly become mired in negative thoughts and lose perspective and hope about the future. This can easily show up in your attitude and how you present yourself. People want to hire and be around people who are positive and will bring a good attitude to work every day. Finding your way out of career and life gridlock requires you to reset your internal GPS to “Good – Present – Space.” GOOD: Focus on the positive and the good in your life. To help you get started, visualize where you have been and where you are heading by creating a diagram of

your life arc. On a piece of paper, plot your career and life milestones from your 20s, 30s, 40s and beyond. Reflect on past work and life experiences where you’ve been fulfilled and successful. What were you doing, with whom and how were you able to create that success? When were you enjoying life the most? When were you having a positive impact on others? When were you feeling the most fulfilled? This provides a visual snapshot of your career progression focusing on the good. Viewed in its entirety these experiences create a compelling story for you to tell about your accomplishment and the value you bring to an organization. Now, what do you want more of in the future? What’s your desired outcome for the new year? This could be a new challenge, improved work environment, more responsibility or learning a new skill. With this in hand, starting today, you always want to talk positively about yourself, current and past employers and what you want in the future. This new habit is life- and career-affirming.

PRESENT: Concentrate on the here and now and what you can impact in the present. Today is the only day that matters. Take advantage of this wonderful opportunity to accomplish something. The more action you take today the greater chance for results. Action creates satisfaction. Identify one small step that you can do today that creates forward momentum

toward your desired outcome. To lock in this commitment, write it down and keep it in a visible location. This will make it real and increase the likelihood of making it happen. Once completed, identify another step and follow this pattern. Completing a series of small commitments is manageable and Diamond, page 14

FOR SALE NRT

2180 Boston Post Rd Larchmont, NY

Location: Corner building, walking distance to train, stores Usage: Professional building Size: 3,824 square feet Parking: 11 spaces Sale Price: $895,000

Barry Synnott 914.907.5487

Coldwell Banker Commercial NRT, 30 Village Green, Bedford, NY 10506 • 914.232.4100

BEWARE Outside companies are soliciting BUSINESS JOURNAL readers for plaques and other reproductions of newspaper content without our consent. If you or your firm is interested in framing an article or award from our newspaper or obtaining a reprint of a particular story Please contact

Marcia Rudy of Westfair Communications directly at (914) 694-3600 x3021.

WCBJ | HV Biz

January 26, 2015

WESTCHESTER COUNTY

Burke Smart Fitness▲

801 Mamaroneck Ave., White Plains 10605 597-2805 • burke.org

Clay Health Club and Spa

11 Riverdale Ave., Port Chester 10573 937-5000 • insideclay.com

Club Fit Briarcliff

Phyllis Lombardi, manager 2005

Heather Keeler hkeeler@burke.org 2001 Seth Hirschel/Lance Root mheron@insideclay.com 2014 Bill Beck billbeckt@clubfit.com 1973 Bll Beck billbeck@clubfit.com 1973

✔

11,076

✔

28,000

✔

tanning beds

racquetball courts

swimming pool

✔

tennis courts

café

✔

massages

858 Scarsdale Ave., Scarsdale 10583 725-9400 • bodyfitstudio.com

9,000

nutrition/weightloss program

Bodyfit Studio

NA 2013

personal trainers

Blink Fitness

100 Main St., White Plains 10601 539-8800 • blinkfitness.com

locker rooms

Amenities and programs offered

parking

Approximate square footage of gym

corporate discounts

Owner/Manager Email address Year facility established

WESTCHESTER COUNTY NEXT LIST: CONTRUCTION COMPANIES

child care

Listed alphabetically.

Name, address, telephone number Area code: 914 (unless otherwise noted) Website

FITNESS CENTERS

group exercise classes

THELIST: FITNESS CENTERS

✔

150,000

✔

125,000

✔

TJ Colaiezzi, general manager NA

21,000

✔

Liz Jacobs, general manager

✔

Gerry Riera info@ymcatarrytown.org 1903 Mitch Suss info@healthandwellness.com 2014

40,000 (total includes locker rooms, pool, etc.)

✔

6,000

✔

Kelly Dianni, sales and marketing manager kelly.dianni@myhealthyfit.com 2004

WND

✔

NA 1984

60,000

Susan Setna Mistri 2014

210,000

✔

59,000

✔

1001 Central Park Ave., Scarsdale 10583 713-1500 • planetfitness.com

Powerhouse Gym

Neal and Denise Francese powerhouseny@aol.com 1991 Valerie Schemmer membership@premierathletic.com 1972

584 N. State Road, Briarcliff Manor 10510 762-3444 • clubfit.com

Club Fit Jefferson Valley

600 Bank Road, P.O. Box 241, Jefferson Valley 10535 245-4040 • clubfit.com

Crunch Fitness White Plains

1 N. Broadway, White Plains 10601 328-3311 • crunch.com

Equinox

800 White Plains Road, Scarsdale 10583 472-9000 • equinox.com

Family YMCA at Tarrytown 62 Main St., Tarrytown 10591 631-4807 • ymcatarrytown.org

Health and Wellness

450 Mamaroneck Ave., Harrison 703-4811 • nyhealthandwellness.com

Healthy Fit For Women

1000 E. Boston Post Road, Mamaroneck 10543 670-0600 • myhealthyfit.com

LA Fitness

4 Second St., Yonkers 10710 297-4477 • lafitness.com

Life Time Athletic, Westchester

1 Westchester Park Drive, Harrison 10604 290-5067 • lifetimefitness.com

New York Sports Club

White Plains City Center, 4 City Place, White Plains 10601 248-2020 • mysportsclubs.com

Planet Fitness

750 Central Park Ave., Yonkers 10704 423-8669 • powerhousegymny.com

Premier Athletic Club

2127 Albany Post Road, Montrose 10548 739-7755 • premierathletic.com

✔

70,000

✔

Solaris Sports Club

Kristin Theo, general manager kristin@solarisclubs.com 2001

40,000

✔

Strata Health Club

Michael Wohltmann stratacollect@gmail.com 2008 Lisa Avellino lisa-fitness@hotmail.com 1973

7,300

✔

6,000

✔

Deborah Bowles WND

WND

✔

Vito DiMatteo vito@will2lose.com 2010

10,000

✔

WCBJ | HV Biz

✔

January 26, 2015

✔

Note: Information obtained from company websites, LinkedIn accounts and responses to our questionnaire. ▲ Adult fitness center for age 40 and above. NA Not available WND Will not disclose

✔

This list is a sampling of fitness clubs serving the region. If you wish your club to be included in our next listing, please contact Danielle Renda at drenda@westfairinc.com.

✔

40,000

Will2lose

✔

Nic Sabbati, general manager nic@solarisclubs.com 1972

303 Central Park Ave., Scarsdale 10583 • 358-9890 855 Franklin Ave., Thornwood 10594 579-2888 • will2lose.com

✔

Solaris Sports & Racquet Club

White Plains Family YMCA

✔

250 Mamaroneck Ave., White Plains 10605 949-8030 • ymca-cnw.org

✔

80 Maple St., Scarsdale 10583 472-3335 • susanmarlowefitness.com

✔

Susan Marlowe Fitness

✔

4 Westchester Park Drive, West Harrison 10604 694-4656 • stratahealthclub.com

✔

170,000

201 Veterans Road, Yorktown Heights 10598 962-4094 • solarisclubs.com

✔

Kevin Kane Vice president and general manager kkane@sawmillclub.com 1974

5 Browns Lane, Hawthorne 10523 592-3737 • solarisclubs.com

✔

14,200

✔

Saw Mill Club

✔

77 Kensico Drive, Mount Kisco 10549 241-0797 • sawmillclub.com

✔

Brian Ripka, founder info@rippedfit.com NA

Ripped Fitness

14 Rye Ridge Plaza, Second floor, Rye Brook 10573 481-5755 • rippedfit.com

✔

The Bristal Assisted Living | Where Ever y Day Means More

I am living a new chapter in my LifeStory “I retired from Liberty Mutual in 1991

after decades working as a trial attorney. It was an interesting profession and a tough business. I’m still pretty tough.

I have a lot of opinions, and love politics. Currently, I am on the Food Committee here at The Bristal. Our culinary staff cares about what the residents think and they honor our requests and recommendations. That’s great,

because our opinions matter. And that’s how I’ve always run my life. I can

Tom, Resident of The Bristal

be myself at The Bristal.”

For more about Tom, tune in at thebristal.com/truelifestories

Ask about Reflections an area providing secure and compassionate memory care

THE BRISTAL.COM LICENSED BY THE DEPT OF HEALTH • ELIGIBLE FOR MOST LONG TERM CARE POLICIES

Quality Communities By The Engel Burman Group

WCBJ | HV Biz

January 26, 2015

Diamond — From page 11

will add up over time. SPACE: Let go of burdens and baggage weighing you down. Emotional energy is a precious commodity. In order to make room for the good, you’ll need to let go of the bad. That may require you to forgive others as well as yourself. This should include any wrongs from previous employers. You may have a long list of what you would have done differently. But the truth is the past is just that: the past. While it played a role in where you are today, it is not an indicator of the

future, especially if you have a commitment to change. The release of this emotional energy will allow you to create space for the good you want to bring into your life. The past is history and no reflection of that you can do in the future. Listen to your “good” inner voice. You have a good inner voice along with the notso-good one. The latter will cast doubt and distract you from acting on your commitments. The good one focuses on your potential and prospects for achieving future success. When doubts creep into your mind, as

they are bound to do, simply let them pass through and replace them with something that lifts your spirits. This could be a past success as noted on your life arc or someone or something that brings a smile to your face. Resetting your GPS shouldn’t be a solo mission; enlist help. Surround yourself with people who are positive, have a good attitude and want to help. While it may not be easy for you to ask for support, all you have to do is put yourself out there and allow others to assist you.

LOCK IN YOUR MEMBERSHIP TODAY

SAVE THOUSANDS OF DOLLARS ON BUSINESS LEADS, NEWS AND IMPORTANT EVENTS. Visit westfaironline.com or contact

Audience Development Department | (914) 694-3600 14

January 26, 2015

WCBJ | HV Biz

Getting out of career gridlock takes commitment, motivation and self-discipline. With some focused attention and a shift in attitude you will open yourself up to opportunities and create situations that will ease and hopefully release your state of gridlock. Peter C. Diamond is the author of “Amplify Your Career and Life: 4 Steps to Evaluate, Assess and Move Forward,” and operates Peter C. Diamond LLC, an executive coaching and leadership development company in Chicago. He can be reached by email at peter@petercdiamond.com and on Twitter, @petercdiamond.

Man accused of defrauding investor A

56-year-old Orange County man has been charged with defrauding an investor of more than $350,000 by posing as a millionaire fashion designer investing in business ventures that did not exist. William Vogt, of New Hampton, was arrested Jan. 20 on an 18-count indictment and faces up to 15 years in prison if convicted of the charges, said state Attorney General Eric T. Schneiderman. Vogt allegedly duped an investor over a three-year period by posing as “Bill Bolland,” an internationally renowned designer who ran Bill Bolland Haute Couture. Vogt allegedly convinced his victim to invest with him in fictitious ventures that included a tax-free account at Credit Suisse, stock in the Voss Water Co. and cooperative apartment units in Manhattan. He is charged with taking the victim’s money by promising to secure office space at the Heron Tower in Manhattan, to procure seats on the board of directors of Voss Foundation, to purchase health care insurance and an individual retirement account, to facilitate an application for Swiss citizenship, and to make a contribution to Hillary Clinton. The alleged swindler is accused of forging numerous emails from banks and other businesses and institutions to cover his thefts. Prosecutors claimed Vogt invested none of the alleged victim’s money and instead used it for personal and living expenses. Arraigned in Manhattan, Vogt was charged with two counts of second-degree and four counts of third-degree grand larceny, nine counts of second-degree forgery, and three counts of violations of the Martin Act. He was held in lieu of a $4 million bond or $2 million cash bail. — John Golden

SPECIAL REPORT SMALL BUSINESS BANKING

Signature Bank quietly ascends to the top BY LEIF SKODNICK lskodnick@westfairinc.com

hen Joseph DePaolo walks out of Grand Central Terminal each morning, he sees two bright reminders, one blue and one red, of the giants of the banking market. “Bank of America and Citibank,” DePaolo said, the branches of which he passes in the early morning on his way to work as the president and CEO of Signature Bank. But the reminders of the big banks, the ones that are “too big to fail,” don’t weigh heavily on his mind. Signature Bank, which focuses on private client banking in the New York metropolitan area, topped the list of America’s best banks published by Forbes magazine in December — an honor reflective of Signature Bank’s strong loan portfolio and strong financial performance over the past five years. “Signature has racked up an impressive financial performance. It has posted 20 straight quarters of record earnings,” wrote Forbes reporter Kurt Badenhausen in the Dec. 22 article, which utilized data from SNL Financial to rank the 100 biggest banks by assets in terms of asset quality, capital adequacy and profitability. Badenhausen noted that Signature Bank’s revenue grew 21 percent in the past year, and that its 13.8 percent return on average equity, a measure of profitability over the past 12 months, was fifth among the nation’s 100 largest banks by total assets. Below Signature Bank on the list were those two banks DePaolo sees every morning — CitiGroup ranking 64th and Bank of America at 88th — as well as JPMorgan Chase at 73rd and Wells Fargo at 82nd. No bank with more than $1 trillion in assets cracked the top 50 on the Forbes list, and of the top 10, State Street ($275 billion in assets) was the only institution with more than $50 billion in assets. With just 0.1 percent of Signature’s loan portfolio listed as “nonperforming,” mean-

ing that the debtor has not made scheduled payments on the loan for 90 or more days, it would be easy to assume there was some secret formula to how the bank finds solid borrowers. But DePaolo chalks the bank’s loan portfolio success up to its niche in the market, targeting privately held businesses valued between $20 million and $100 million. “For the most part, either we know the client or prospect, or they were referred by an existing client that’s well-known to us,” DePaolo said. The chief executive said that Signature, nestled in the largest financial market in the country, is well-positioned to siphon off business in that privately held business market from the big banks, a pull that those banks likely have noticed. “We have a lot of opportunity to take business away from them,” DePaolo said. “I’m not sure that they want to admit it to anyone, but they’re worried about us.” Outside of the privately held business market, Signature identified another market underserved by the big banks: small to medium-sized law firms. “They were getting lost in the shuffle with the big banks,” said DePaolo, who said Signature Bank has placed offices near courthouses in Brooklyn, Mineola and White Plains. “We found they needed attention. We looked deeper than just the firm’s billing numbers, because a firm that does $2 million in billings might have $35 million in balances.” In addition to law firms and privately held business markets, Signature has delved into the field of “specialty finance,” including the financing of franchise businesses, the commercial marine industry and what DePaolo called “yellow metals” — construction equipment. “We try to finance equipment that’s important to the business’ operations,” DePaolo said, noting that businesses seeking to finance equipment purchases will prioritize making the payments on crucial equipment. With $26 billion in assets and a market capitalization of approximately $6.09 bil-

Joseph DePaolo, president and CEO of Signature Bank.

lion, Signature Bank has branches in New Rochelle and White Plains, another branch soon to open in Greenwich, Conn., and about 30 total locations in the New York metropolitan area. But those locations, DePaolo said, aren’t as visible as those of the big banks, by design. They are often on the upper floors of office buildings, near the action, but

somewhat hidden in plain sight. Each morning, when DePaolo gets off that 5:45 a.m. Metro-North train from New Rochelle, he walks by the brightly lit big bank signs to lead a bank that takes a different approach. “That’s just not us,” DePaolo said of the flashy advertising. “We don’t even have a line item in our budget for advertising.” WCBJ | HV Biz

January 26, 2015

CHALLENGING CAREERS

BY CATHERINE PORTMAN-LAUX

Center gives life to some businesses, lifeline to others “Financial literacy would solve many problems,” says Arnaldo Sehwerert, who directs the mid-Hudson office of the Small Business Development Center. The Kingston location is one of 24 in the state that has helped individuals aspiring to go into business or to expand their business operations. The center has satellite offices in Fishkill, New Windsor, Poughkeepsie,

Loch Sheldrake, Stone Ridge, Margaretville and Monticello. Its state headquarters is in Albany. The center is engaged in a long-term project to help a firm that makes an oxygen carrier, a highly complex undertaking. “Ambulances cannot carry blood and are limited in the plasma they can carry,” Sehwerert says. “The new carrier will give

blood a shelf life at room temperature of more than five years. It is a revolution in how we treat wounded in battle. But, approval takes a long time. We have been working with the firm for 13 years.” Sehwerert points to a company to which the center was able to give immediate assistance. “This manufacturing firm was denied a loan and had a huge contract

Announcing the launch of Sterling Women, a community of women in business. Sterling National Bank is committed to supporting women in business. To elevate our support to the next level, we’ve created a new initiative called Sterling Women, which fosters a community of women who are business leaders throughout the NYC Metro and Hudson Valley regions. Some of the benefits to becoming a member of Sterling Women include: ! Access to capital ! An educational lunch series with guest speakers ! Educational resources ! Networking opportunities Sterling Women looks forward to welcoming you to our community of women business leaders. For more information or to enroll visit snb.com/sterlingwomen. Expect Extraordinary.

January 26, 2015

WCBJ | HV Biz

to deliver goods. Our center develops relationships with lenders, and they often feel confident with our recommendations and see the businesses in a different light. In this case they did approve the loan. As a result, the company has had an enormous amount of sales.” Home-based businesses also come under the center’s protective wing, both those seeking to grow and those that plan to remain home-based. “Dell and Facebook started in college dorms, and HewlettPackard had its origins in a garage,” he says, encouraging fledgling businesses looking to grow. Sehwerert says he is saddened when a company comes to the center too late for help. “One of our counselors came to me with that deer-in-headlights look and told me of a company that had been losing money for four out of five years of existence. They kept putting money into the business rather than taking steps to turn the situation around.” The program to aid small businesses was started nationally during the Carter administration as a joint effort between federal and state governments. The New York operations are run in conjunction with the State University of New York and partly funded by the U.S. Small Business Administration. “Most of our counselors are former small-business owners,” Sehwerert says. Former bankers also lend their expertise as counselors. “We do not give accounting or legal advice, but make referrals,” he adds. He finds the economy and the balance of imports/exports improving. “People abroad trust American products and find them safe,” he says. A native of Cuba, he relocated to Venezuela and operated three businesses there “one as a head hunter, one as a management consultant and a third in software systems and information technology,” he says. He and his wife decided to settle near where she was raised and now live in Woodstock. A musician, he plays drums, guitar and keyboard for recreation or can be found cruising on his motorcycle. “My wife and I love to travel. We have a convertible and in good weather drive around New York state. It is an amazing state. We are so lucky to be here,” he says. In traveling abroad, he finds Madrid his favorite destination. Challenging Careers focuses on the exciting and unusual business lives of Hudson Valley residents. Comments or suggestions may be emailed to Catherine Portman-Laux at cplaux@optonline.net.

BY GERI PELL

Retirement planning tips for small-business owners and features important plan design options such as penalty-free withdrawals in the event of an emergency and higher contribution limits compared to other retirement plans. There’s also a 401(k) that’s especially designed for the sole proprietor. Most 401(k) plans allow catch-up contributions, an especially important feature for entrepreneurs who are late to the retirement savings scene. One of the downsides of the 401(k) can be the paperwork. If you prefer less IRS reporting and will accept fewer options, look into a Simplified Employee Pension or Savings Incentive Match Plan for Employees to start saving for the future. There’s also the traditional IRA, where taxes are deferred until retirement, and the Roth IRA, which is taxed up front so owners can withdraw funds in retirement tax-free if they have met all the rules. 3. Leave your retirement money alone. It’s not unusual for small-business profits to fluctuate from year to year, creating inconsistencies in your annual income. If you’re serious about retirement savings, resist the temptation to dip into your retirement funds even when your business isn’t performing

Your banking relationship is an important part of how you choose to do business. So consider the value of choosing a bank that’s part of your community. We’ve been partners with Lower Hudson Valley businesses for over 140 years. And we’re committed to knowing you and your business well enough to help you make the best financial decsions. PCSB understands how everyone benefits when local businesses are successful. It’s part of our local commitment.

Geri Pell

day, consult a business broker for market valuation assistance. Turning to other professionals for retirement and business succession planning also will free up your time to focus on your company. Geri Pell is a private wealth adviser and CEO of Pell Wealth Partners, a private wealth advisory practice of Ameriprise Financial Services Inc., with headquarters in Rye Brook and of�ices in Manhattan and Port Jervis. Contact her at geri.e.pell@ampf.com or 914-253-8800.

C NAM OUNT UT

TRUE BANKING FOR YOUR LOCAL BUSINESS

up to expectations. A retirement nest egg that’s left alone can benefit from compound growth, potentially helping you reach your goal sooner. 4. Create an exit strate�y. Because you’re arguably the most valuable asset in your business, it’s important to plan for the day when you’re no longer at the helm. Do you have an employee or adult child capable of stepping in to run your business? Will you be able to sell your business at an attractive price to fund your retirement? You’ll want to make plans that include assigning a successor or documenting the business value to facilitate a sale if others will be counting on your business to be there, even when you’re not. 5. Work with a professional. You’re an entrepreneur, so you’re accustomed to wearing many hats. Yet when it comes to retirement planning, it’s wise to consult financial professionals rather than going it alone. A financial planner can help you project what you’ll need for a comfortable retirement and help you devise strategies to reach your goals. If you plan to sell your business one

s a small-business owner, you’ve worked hard to create a successful enterprise. Though it can feel challenging to set aside money for retirement while running a successful business, when you reach the golden retirement age, you’ll be glad you did. Consider the following five retirement planning activities for small-business owners. 1. Invest outside of your business. Your business is your livelihood today, but there’s no guarantee it will continue to generate income into your retirement. Like other investors, small-business owners should consider diversification. For them, it’s also critical to invest outside their business to grow retirement savings. Ideally, your net worth will be spread over a variety of investments that are in line with your time horizon and risk tolerance instead of solely coming from your business assets. 2. Save with a tax-advantaged retirement plan. Small-business owners can choose from several different retirement plans according to their needs. The 401(k) is the most common option for small businesses

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January 26, 2015

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FACTS& FIGURES BANKRUPTCIES MANHATTAN Preston Taylor Projects LLC. 820 Second Ave., Suite 7B, New York 10017. Chapter. 11, voluntary. Represented by W. Charles Robinson. Filed: Jan. 16. Case no. 15-10089-smb. Tomnik Food Services Inc. 127 Route 304, Bardonia 10954. Chapter 11, voluntary. Represented by Anne J. Penachio. Filed: Jan. 19. Case no. 15-22086-rdd.

POUGHKEEPSIE Windorsky Inc. 78 Joes Hill Road, Brewster 10509. Chapter 7, voluntary. Represented by Julie Cvek Curley. Filed: Jan. 16. Case no. 15-35069-cgm.

COURT CASES Bayer HealthCare Pharmaceuticals Inc. Filed by Shelby Ameling. Action: diversity-personal injury. Attorneys: Timothy J. Becker, Rolf Fiebiger and Michael K. Johnson. Filed: Jan. 16. Case no. 7:15-cv-00321-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Tomekia S. Blackmon. Action: diversityproduct liability. Attorney: Daniel K. Bryson. Filed: Jan. 16. Case no. 7:15-cv-00315-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Tanee Chappell. Action: diversity-product liability. Attorney: D. Todd Mathews. Filed: Jan. 16. Case no. 7:15-cv-00361-CS.

Items appearing in the Westchester County Business Journal’s On The Record section are compiled from various sources, including public records made available to the media by federal, state and municipal agencies and the court system. While every effort is made to ensure the accuracy of this information, no liability is assumed for errors or omissions. In the case of legal action, the records cited are open to public scrutiny and should be inspected before any action is taken. Questions and comments regarding this section should be directed to: Bob Rozycki c/o Westfair Communications Inc. 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3680

Bayer HealthCare Pharmaceuticals Inc. Filed by Carolyn Crusha. Action: diversity-personal injury. Attorney: Kevin E. Hill. Filed: Jan. 16. Case no. 7:15-cv00348-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Alicia Ellis. Action: diversity-product liability. Attorney: Neil Duane Overholtz. Filed: Jan. 14. Case no. 7:15-cv00251-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Katina Kirk. Action: diversity-personal injury. Attorneys: Timothy J. Becker, Rolf Fiebiger and Michael K. Johnson. Filed: Jan. 16. Case no. 7:15-cv00318-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Stacy Nunez. Action: diversity-product liability. Attorneys: Elizabeth A. Alexander, Wendy R. Fleishman and Fabrice Vincent. Filed: Jan. 16. Case no. 7:15-cv-00328-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Brandi Smith. Action: diversity-personal injury. Attorneys: Randall S. Crompton and Randall S. Crompton. Filed: Jan. 16. Case no. 7:15-cv-00083-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Crystal M. Smith. Action: diversity-product liability. Attorney: Thomas David Hoyle. Filed: Jan. 16. Case no. 7:15-cv-00334-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by KeVonne Union. Action: diversity-product liability. Attorney: Richard W. James. Filed: Jan. 16. Case no. 7:15-cv-00313-CS. Cigna Life Insurance Co. of New York. Filed by Michael Zielinski. Action: E.R.I.S.A.: employee retirement. Action: E.R.I.S.A.: employee retirement. Attorney: David Bruce Gelfarb. Filed: Jan. 15. Case no. 7:15-cv-00290-KMK. Gateway Kensington LLC et al. Filed by Westchester Residential Opportunities Inc. Action: Fair Housing Act. Attorneys: Diane Lee Houk and Zoe Antonia Salzman. Filed: Jan. 15. Case no. 7:15-cv00280. Hyundai of Rockland LLC. Filed by Sheena C. Matthews. Action: truth in lending. Represented by Robert J. Nahoum. Filed: Jan. 20. Case no. 7:15-cv-00377-CS.

ON THE RECORD

Walmart Stores Inc. Filed by Patricia A. O’Connor. Action: diversity-personal injury. No attorney listed. Filed: Jan. 20. Case no. 7:15-cv-00401-KMK.

DEEDS Above $1 million 23 Rural Realty LLC, Scarsdale. Seller: Joseph E. Sablow, Ardsley. Property: 23 Rural Drive, Scarsdale. Amount: $1.2 million. Filed Jan. 20. 510 North Ave Realty LLC, New Rochelle. Seller: DiSanto Realty LLC, Scarsdale. Property: 508 North Ave., New Rochelle. Amount: $2.1 million. Filed Jan. 16. Crannog LLC, Yonkers. Seller: Torre Brothers, Yonkers. Property: 25 Torre Place, Yonkers. Amount: $2 million. Filed Jan. 15. Rye VS LLC, New York City. Seller: Faros Corporate Center Rye LLC, New York City. Property: 555 Theodore Fremd Ave., Rye. Amount: $39.5 million. Filed Jan. 15. SAML LLC, Larchmont. Seller: Kathryn C. Ladin, et al, Larchmont. Property: 169 Larchmont Ave., Mamaroneck. Amount: $1.2 million. Filed Jan. 20.

Cliﬀ Walk Sleepy Hollow LLC, Greenwich, Conn. Seller: Union Building Corp., Detroit, Mich. Property: 193 Beekman Ave., Mount Pleasant. Amount: $700,000. Filed Jan. 20.

Mount Vernon Urban Renewal Agency, Mount Vernon. Seller: Cecilia J. McGovern, White Plains. Property: 205 S. Fifth Ave., Mount Vernon. Amount: $991,108. Filed Jan. 16.

Crannog LLC, Yonkers. Seller: Draft Realty Corp., Yonkers. Property: 18 Torre Place, Yonkers. Amount: $450,000. Filed Jan. 14.

Peekskill Partners LLC, White Plains. Seller: Joan Iacono, Bronxville. Property: 302 W. Post Road, White Plains. Amount: $217,137. Filed Jan. 16.

Edan Management Services Inc., et al, Mamaroneck. Seller: Robert M. Louis, Coconut Creek, Fla. Property: 6 Overlook Road, White Plains. Amount: $405,000. Filed Jan. 15. Fannie Mae. Seller: Peter Rosato, Yonkers. Property: 558 Park Ave., Yonkers. Amount: $351,437. Filed Jan. 15. Fannie Mae. Seller: Peter Rosato, Yonkers. Property: 611 Giordano Drive, Yorktown. Amount: $585,278. Filed Jan. 14. Federal National Mortgage Association. Seller: Marjorie L. Siegel, New York City. Property: 10 Cliff St., New Rochelle. Amount: $652,532. Filed Jan. 15. Glass Capital Ventures LLC, New York City. Seller: Delores Fontaine, New Rochelle. Property: 462 S. Seventh Ave., Mount Vernon. Amount: $50,000. Filed Jan. 14.

Below $1 million

Haven Development Corp., New York City. Seller: Guy T. Parisi, Rye. Property: 106 Depeyster St., Mount Pleasant. Amount: $293,035. Filed Jan. 20.

3 Charles Lane LLC, Rye Brook. Seller: Bennett A. Meyer, et al, Rye Brook. Property: 3 Charles Lane, Rye. Amount: $605,000. Filed Jan. 20.

JECL Corp., White Plains. Seller: JNG Battle Avenue LLC, White Plains. Property: 256 Battle Ave., White Plains. Amount: $425,000. Filed Jan. 20.

419 Palisade LLC, Southampton. Seller: John N. Kossifos, Yonkers. Property: 419 Palisade Ave., Yonkers. Amount: $450,000. Filed Jan. 15.

Mahopac Bank, Brewster. Seller: Anthony John Keogh, White Plains. Property: 1 Dutch St., Cortlandt. Amount: $566,648. Filed Jan. 16.

42 Orchard Drive LLC, Rye. Seller: Raymond Reilly, Port Chester. Property: 42 Orchard Drive, Rye. Amount: $685,000. Filed Jan. 15.

Mela LLC, Yonkers. Seller: Tarmonbarry Properties LLC, Pelham. Property: 14 Courtney Place, Yonkers. Amount: $300,000. Filed Jan. 15.

A.J. Wooster Realty LLC, Buchanan. Seller: 653 Highland LLC, Putnam Valley. Property: 653 Highland Ave., Peekskill. Amount: $205,000. Filed Jan. 15.

Modular Works Inc., Peekskill. Seller: Richard E. Knizeski II, Buchanan. Property: 107 Eighth St., Cortlandt. Amount: $125,000. Filed Jan. 15.

SH Properties 1 LLC, White Plains. Seller: Jose Criollo, Ossining. Property: 38 N. Malcolm St., Ossining. Amount: $215,000. Filed Jan. 15. Sky High Realty LLC, Little Neck. Seller: FSB Properties Inc., Lake Success. Property: 33 Fourth Avenue South, Mount Vernon. Amount: $391,560. Filed Jan. 16. Topland Partners Inc., Hartsdale. Seller: PG Meadow LLC, Cold Spring. Property: North Place, New Castle. Amount: $850,000. Filed Jan. 16. U.S. Bank N.A. Seller: Johanna Kmetz, Chappaqua. Property: 5 Jenna Way, Rye. Amount: $204,000. Filed Jan. 20. Uni Equities Providers Corp., Harriman. Seller: Libertyville Capital Group LLC, Montgomery. Property: Peter Bont Road, Greenburgh. Amount: $135,000. Filed Jan. 15. Wells Fargo Bank N.A. Seller: Charlene Viola Keeling, New Rochelle. Property: 543 Main St., No. 302, New Rochelle. Amount: $255,811. Filed Jan. 15.

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OSSINING, 8 Water St. Twofamily residence; .04 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Frenkel, Lambert, Weiss, Weisman & Gordon, 631-969-3100; 53 Gibson St., Bay Shore. Defendant: Sonia Gaynor. Referee: John William Buckley. Sale: Jan. 29, 10 a.m. Approximate lien: $275,125.32. PEEKSKILL, 130 Rolling Way. Single-family residence; lot size: N/A. Plaintiff: JPMorgan Chase Bank NA. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, Suite 301, Fishkill. Defendant: Adrien Dimmie. Referee: Nicholas Barone. Sale: Jan. 27, 10 a.m. Approximate lien: $469,741.50. RYE BROOK, 117 ½ N. Ridge St. Single-family residence; .2 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Druckman & Sinel, 516-876-0800; 242 Drexel Ave., Westbury. Defendant: Hesham Salama. Referee: Kenneth Finger. Sale: Feb. 2, 2 p.m. Approximate lien: $768,604.26. YONKERS, 75-77 Halley St. Two-family residence; .13 acre. Plaintiff: Live Well Financial. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-8971600; 2 Summit Court, Suite 301, Fishkill. Defendant: Marguerite Treco as Executrix of Angela Vetrano. Referee: David Gallo. Sale: Jan. 27, 11 a.m. Approximate lien: $561,603.93. YORKTOWN HEIGHTS, 343 Granite Springs Road. Single-family residence; lot size: N/A. Plaintiff: US Bank National Association. Plaintiff ’s attorney: Schiller & Knapp, 516-786-9069; 950 New Loudon Road, Suite 310, Latham. Defendant: Michael Silvestro. Referee: John Molloy. Sale: Jan. 28, 10:15 a.m. Approximate lien: $620,730.46.

January 26, 2015

NEWSMAKERS [PLUS AWARDS AND EVENTS] BREAST CENTER RECEIVES NAPBC ACCREDITATION

HARNEY & SONS GIVES $50,000 TO SCENIC HUDSON

Drs. Pond Kelemen, Melita Charles and Andrew Ashikari.

Hudson Valley Hospital Center Ashikari Breast Center in Cortlandt Manor has received a three-year full accreditation from the National Accreditation Program for Breast Centers (NAPBC), a program administered by the American College of Surgeons. Only those centers that have voluntarily committed to provide the highest level of quality breast care and undergo a rigorous evaluation process and review of their perfor-

mance receive accreditation by the NAPBC. “It takes a certain level of physician and administrative leadership to achieve this national benchmark,’’ said Dr. Pond Kelemen, MD, of the Ashikari Breast Center who led the accreditation efforts. “Given the ground-breaking reputation of the Ashikari Breast Center and the multidisciplinary team of physicians, nursing staff and support services offered at the Cheryl R. Lindenbaum Cancer

Center, this accreditation was a natural conclusion.” “This NAPBC accreditation speaks volumes about the quality of cancer services we offer,’’ hospital President John C. Federspiel said. “When we opened the Cheryl R. Lindenbaum Cancer Center three years ago, we envisioned a place where patients could get quality care and support services in one location, close to home. We have achieved this and so much more.’’

January 26, 2015

From left, Jennifer Scuro, associate professor of philosophy, awardee Dennis R. Ryan and James Magee, professor emeritus of counseling, all of The College of New Rochelle.

ard Thompson, dean of the school of arts and sciences. Since 2011, the ACHA has given three distinguished service awards annually for teaching, scholarship and contribution to Catholic studies. The Distinguished Teaching Award is presented by the ACHA to a col-

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lege or university professor who has demonstrated a high commitment to teaching beyond the expected requirements of his or her position. Ryan has taught at the college for almost 45 years, beginning as an assistant professor of religious studies in 1971.

Valley Association, Central Park Conservancy, Clean Air-Cool Planet and Conservation International-China. The donation to Scenic Hudson helps the organization provide a network of free public parks throughout the Hudson Valley, preserve and enhance family farms, shape environmentally and economically vibrant waterfronts and combat threats to the region’s scenic beauty, water and air. “Harney & Sons Fine Teas is an important Hudson Valley business and world-class leader in providing fine tea products. Beyond that, the family is dedicated to helping bring our communities health and prosperity and fostering opportunities for people to enjoy the natural treasures and outdoor experiences our area offers. We are grateful for their vision, generosity and friendship,” Scenic Hudson President Ned Sullivan said.

COMMUNITY FOUNDATIONS OFFERS $46,000 TO ENHANCE LEARNING IN SCHOOLS Community Foundations of the Hudson Valley is offering $46,000 in grants to teachers in Dutchess, Ulster and Orange counties for classroom equipment, classroom projects and professional development. Applications from public and parochial school teachers are due by March 1. Over the past 30 years, Community Foundations has awarded more than $1 million to local teach-

CNR PROF RECEIVES TEACHING AWARD Dennis R. Ryan, professor of religious studies and philosophy at The College of New Rochelle, has received the 2015 Distinguished Teaching Award from the American Catholic Historical Association (ACHA) for his dedication and commitment over the past 45 years to the teaching profession. The award was presented during the association’s annual Presidential Luncheon, held in the Social Hall at St. Paul the Apostle Church in midtown Manhattan. “Ryan challenges, enlightens and delights his students with his teaching style as well as his knowledge. He is a teacher’s teacher, prepared, dedicated and engaging. His students admire and, yes, love him,” said Rich-

Harney & Sons Fine Teas has committed to continuing its generous financial support of Scenic Hudson through the Harney & Sons Tea 1 Percent for the Planet program. The company has supported Scenic Hudson’s work since 2002. Its latest contribution is $50,000. The company launched its 1Percent for the Planet program nearly a decade ago, seeing it as an opportunity to create positive environmental change in the places where Harney & Sons operates — between the Hudson and Housatonic rivers — and across the world. As a part of the program, the company donates 1 percent of total sales to environmental organizations of its choosing. To date, Harney & Sons has donated more than $1.5 million to environmental groups, including Scenic Hudson. Other organizations supported in this way by the company include the Housatonic

ers. Funds channeled through the Taconic IPA Education Grants are used to purchase classroom and science laboratory equipment in schools in the three counties. Information on how to apply for the grants is available on the Community Foundations website cfhvny. org. Grants will be awarded at the 30th annual Partnership in Education reception May 27 at Locust Grove in the town of Poughkeepsie.

SCHWARTZ PRESENTED WITH EXCELLENCE AWARD Kenneth Schwartz of Scarsdale, a board-certified vascular surgeon with Purchase-based Westmed Medical Group, has received the Dr. Leonard Finkelstein Excellence Award for 2014. Finkelstein was a founding member of The

Westchester Medical Group, now Westmed. Schwartz is also Westmed’s associate medical director for surgical specialties. In practice since 1982, Schwartz joined WESTMED Medical Group November 2007.

HVEDC GIVES 3-D PRINTERS TO TWO HIGH SCHOOLS

Highland Falls Library will host a “Winter into Spring in the Hudson River Valley” art exhibition featuring the art work of John Gould from Feb. 6 to March 31, 298 Main St., High- Eagles over West Point land Falls. A meet-theGould Family from Bethlehem Art Gallery reception will be held at the library Saturday Feb. 21 from noon to 2 p.m. For more information, call 845-446-3113 or visit bethlehemartgallery.com.

FEB. 7

sion of HVEDC’s Hudson Valley 3-D Printing cluster development initiative. HVEDC’s $8,000 investment is in the form of a MakerBot 3D printer for both Kingston High School and

Get out of the cold and ignite some business leads at The Black Dirt Brewhouse, 28 N. Main St. in Florida. Doors will be open to The Warwick Valley Chamber of Commerce for a multichamber after- From left: Chef Jay McLaughlin, owner Kristen Said, Warwick Valley Chamber of hours business mixer Commerce event planners Janine Dethmers from 6 to 8 p.m. Join and Kristen Weiss with Executive Director Warwick Valley Cham- Michael Johndrow. ber members for this winter social event. Cost is $10 for members; $20 for nonmembers. For more information, call 845-986-2720 or e-mail info@warwickcc.org.

FEB. 6

Hudson Valley Economic Development Corp. in New Windsor has invested in two high schools with funds from New York State Electric and Gas Corp. (NYSEG) for an expan-

DATES JAN. 29

From left, Laurence P. Gottlieb, James Laurito, Dan Erceg, the Rev. Mark Connell, Frank Snyder, Kat Wilson and Daniel Freedman.

San Miguel Academy of Newburgh. The selected schools have been closely working with SUNY New Paltz’s Hudson Valley Advanced Manufacturing to incorporate 3-D printing into their curriculums. Through this program, HVEDC introduces 3-D printing technology to the region and seeds interest in the technology from the ground up in the region. “A big part of this educational process remains exposing secondary schools to this new technology by embedding 3D printers on campuses that we know will accelerate the adoption of the technology among their students,” Laurence P. Gottlieb, HVEDC president and CEO, said. “The use of 3-D technology depends greatly on education — specifically STEM (science, technology, engineering and math) — so our hope is to enhance these areas of education in order to foster interest later on.”

Alliance Gallery at the Delaware Arts Center, 37 Main St., Narrowsburg, kicks off the gallery season with a group exhibition of 13 artworks depicting the individual human form titled “Figuratively Speaking.” The exhibit opens Feb. 7 with a reception from 2 to 4 p.m. For more information, call 845-252-7576 or visit delawarevalleyartsalliance.org.

NEW DEAN OF STUDENTS AT CNR Tiﬀani Blake has been appointed dean of students at The College of New Rochelle. “Tiffani Blake is uniquely qualified for this position. An alumna of CNR, she is deeply committed to the college’s mission and brings a wealth of student-development knowledge and experience to her new role,” college President Judith Huntington said. Most recently, Blake served as the special assistant to the president for mission and board relations.

Previously, she held continuously progressive positions of responsibility in student life at CNR, including associate director of student development and director of student development. Blake earned her bachelor’s degree in psychology from The College of New Rochelle and two subsequent master’s degrees —— the first in psychology from Baruch College and the second in higher and postsecondary education from Teacher’s College of Columbia University.

PROMOTIONS AT RIDGEWOOD SAVINGS BANK Peter M. Boger, chairman, president and CEO of Ridgewood Savings Bank, announced the promotion of Leonard Stekol to executive vice president and chief operating officer. Stekol joined Ridgewood in 1993 and previously served as executive vice president and chief financial officer. The bank’s board of trustees also approved the following senior officer promotions and title changes: Laura Peters, senior vice president; Geraldine Brennan, senior vice president and chief risk officer; Coretta Johnson, vice president and comptroller;

Annette Welsh, vice president and auditor; Ann Freese, vice president, information technology; Vito DiBona, vice president and senior real estate portfolio manager; Chiara Berthel, vice president; John Blake, vice president, banking administration; Laura Camelo, vice president and corporate secretary; and James Jewett, vice president and chief investment officer. Ridgewood’s board also approved the following junior officer promotions: Lucy Mangru, assistant vice president and treasurer;

Matthew Schettino, assistant vice president and marketing director; Kimberly Reese, assistant vice president and assistant marketing director; Pembe Sefket, assistant vice president and deputy auditor; and Nancy Adzemovic, assistant vice president. New officer promotions include Kenneth Beeman, Brian Bernstein, Mary Forde, Amral Khan and Jasmina Kilom to branch banking officers; and Viviana Picinic and Marie-Yves Rodnez to compliance auditors.

SONGS FOR YOUR SWEETIE Quartets from the Westchester Chordsmen Chorus based in White Plains are available to surprise loved ones on Valentine’s Day. Clad in tuxedos with red bowties and vests, the quartets travel to homes, offices and restaurants to deliver singing valentines (two love songs and roses) to sweethearts Feb. 13 and 14. “We’ll go wherever romance abounds,” says Howard Sponseller. Through the years, we’ve sung for

loved ones in homes, hospitals, stores, nursing homes, just about anywhere you can think of throughout Westchester, lower Putnam, Rockland and western Fairfield, Conn., counties. And even to an entire office of surprised employees when the boss springs for it.” For reservations call 914-7366729 or visit chordsmen.org. Prices range from $60 to $125, depending on time and flowers requested.

WCBJ | HV Biz

January 26, 2015

FACTS & FIGURES Frank Miceli Jr Contracting Inc., New Rochelle. $11,410 in favor of Sanan Inc., Staten Island. Filed Jan. 13.

LIS PENDENS The following ﬁlings indicated a legal action has been initiated, the outcome of which may aﬀect the title to the property listed. Alvarez, Juan Jose, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $260,000 affecting property located at 23 Sixth St., New Rochelle. Filed May 1. Angel, Philip S., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $483,489 affecting property located at 274 Summit Ave., Mount Vernon 10552. Filed April 30. Bodjolle, Brigitte H., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $371,200 affecting property located at 33 Rogers St., Tuckahoe 10707. Filed April 28. Boin, Whitney E., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $313,000 affecting property located at 62 Rockland Ave., Yonkers. Filed April 29. Canero, Carmen L., individually and as heir of the estate of John H. Canero, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $357,000 affecting property located at 5 Ashdown Court, Unit 15E, Peekskill 10566. Filed April 29. Carsto, Deirdre D., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $382,000 affecting property located at 143 Wilson Park Drive, Tarrytown 10591. Filed April 28.

Cusati, Edward J., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $2.2 million affecting property located at 175 Waccabuc Road, Goldens Bridge. Filed April 29. Desanctis, Christina, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $290,700 affecting property located at 29 Ross Drive, Somers 10598. Filed April 30. Dimmie, Adrien, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 130 Rolling Way, Peekskill 10566. Filed April 29. Dinapoli, Joseph, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $560,000 affecting property located at 31 Avenue A, Mount Kisco 10549. Filed April 28. Eagle Wholesale Corp., et al. Filed by Hudson Valley Bank N.A. Action: seeks to foreclose on a mortgage to secure $64,029 affecting property located at 297 Main St., Eastchester 10709. Filed April 28. Fontana, Mario, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $401,389 affecting property located at 5A Mill Court, Cortlandt Manor 10567. Filed April 29. Garrison, Sylvester Kenneth, et al. Filed by Generation Mortgage Co. Action: seeks to foreclose on a mortgage to secure $600,000 affecting property located at 262 E. Fourth St., Mount Vernon 10553. Filed April 29. Genualdo, Elena, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 179 Route 202, Somers 10589. Filed April 28.

Casarella, Narda, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $536,000 affecting property located at 5 Roanoke Ave., Rye Brook 10573. Filed May 1.

Gilzene, Hilda, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $250,100 affecting property located at 9 Myrtle St., White Plains 10606. Filed April 29.

Ciampanelli, Louis M., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $85,000 affecting property located at 1 Nelson Road, Scarsdale 10583. Filed April 30.

Guismondui, Carmen, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 14 Landscape Ave., Yonkers 10701. Filed May 1.

January 26, 2015

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Jacob, Stanley V., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $273,000 affecting property located at 3554 Old Yorktown Road, Yorktown Heights 10598. Filed April 29.

Karras, Gabriel, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $320,000 affecting property located at 52 Crotty Ave., Yonkers 10704. Filed April 30.

Stewart, Josephine, et al. Filed by Citibank N.A. Action: seeks to foreclose on a mortgage to secure $352,000 affecting property located at 153 Hawthorne Ave., Yonkers 10701. Filed April 28.

Linares, Raymond, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 521 Third Ave., Pelham 10803. Filed April 29.

Williams, David K., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $323,050 affecting property located at 342 S. First Ave., Mount Vernon 10550. Filed April 30.

Mcleod, Karen, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $397,600 affecting property located at 1194 Frost Lane, Peekskill 10566. Filed April 30. Novellino, Gina, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $342,000 affecting property located at 32 Tibbets Road, Yonkers 10705. Filed May 1. Perry, Rick, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $179,655 affecting property located at 20 Stevenson Ave., Cortlandt Manor. Filed April 30. Sanders-Murphy, Victoria, et al. Filed by Franklin American Mortgage Co. Action: seeks to foreclose on a mortgage to secure $319,113 affecting property located at 417 S. 10th Ave., Mount Vernon 10550. Filed April 28. Silfa, Cecilia, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $362,000 affecting property located at 23 Van Cortlandt Park Ave., Yonkers 10701. Filed April 28. Spagnuolo, Peter V., et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $348,550 affecting property located at 10 Cottage Place, Apt. 7B, White Plains 10601. Filed April 29. Sprewell, Latrell F., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $1.6 million affecting property located at 4340 Purchase St., Purchase 10577. Filed April 30.

MECHANIC’S LIENS Coronado, Monica, as owner. $6,190 as claimed by Empire State Builders and Contractors, White Plains. Property: in Mount Vernon. Filed Jan. 12. Monterosso, Gregg, as owner. $9,575 as claimed by Penna Paving Con Corp., Mount Vernon. Property: in Scarsdale. Filed Jan. 13. Northern Westchester Builders Inc., as owner. $1,753 as claimed by Kamco Supply Corp., Brooklyn. Property: in Bedford. Filed Jan. 12.

NEW BUSINESSES This paper is not responsible for typographical errors contained in the original ﬁlings.

Sole Proprietorships

Tech Secure, 8 S. 15th Ave., Mount Vernon, c/o Darion Wood. Filed Aug. 5.

ACP Consultancy, 420 S. Riverside Ave., No. 215, Croton-onHudson 10520, c/o Alfred C. Pucci. Filed Aug. 5.

Tekbuy, 26 Glen Park Road, Purchase 10577, c/o Abbas Saghei. Filed Aug. 7.

BD Squared, 7 Verne Place, Hartsdale 10530, c/o William F. Daly. Filed Aug.5. Bennett Family Construction, 8 Schroeder St., Apt. 822, Yonkers 10701, c/o Michael Bennett. Filed Aug. 5. Body Art Tattoo and Piercing, 1220 Old Oregon Road, Miranda Plaza, Courtland Manor 10567, c/o Richard Sumner. Filed Aug. 6. Bronx River Restorations, 89 Glen Road, Yonkers 10704, c/o Patrick Bundrick. Filed Aug. 7. Christine’s African Hair Braiding, 126 Saratoga Ave., Yonkers 10705, c/o Christine Ronelyem. Filed Aug. 6. DeborahJenningsPhotography.com, 632 Warburton Ave., Studio 1F, Yonkers 10701, c/o Deborah Jennings. Filed Aug. 5. Dreamworks Makeup, 2 W. Devonia Ave., Mount Vernon 10550, c/o Ilcilene Maria De Souza. Filed Aug. 5. Evergreen Sales and Marketing, 6 Evergeen Row, Armonk 10504, c/o James P. Gavigan. Filed Aug. 7. Haven Auto Tech, 14 Haven St., Elmsford 10523, c/o Bernardo Pimentel. Filed Aug. 5.

Doing Business As

M and H Painting, 40 Armett St., 3FL, Port Chester 10573, c/o Henry R. Lopez Calderon. Filed Aug. 7.

Best Dollar Pizza Inc., d.b.a. Recycle On The Go, 143 Stanley Ave., Suite 2, Yonkers 10705. Filed Aug. 5.

New York Stucco and General Projects, 57 Old Albany Post Road, Ossining 10562, c/o Milan Prchal. Filed Aug. 7.

Highland Avenue Grocery Inc., d.b.a. Peekskill Deli Grocery, 501 Highland Ave., Peekskill 10566. Filed Aug. 5.

Owl Rat Music, 360 Hamilton Ave., Suite 100, White Plains 10601, c/o James V. Taylor. Filed Aug. 5.

Partnerships Arsey Properties, 70 Crotty Ave., Yonkers 10704, c/o Matthew J. Courtien and Juan A. Reyes. Filed Aug. 7.

SB Contracting, 201 S. Lexington Ave., White Plains 10601, c/o Allan Stewart. Filed Aug. 5.

HUDSON VALLEY BANKRUPTCIES MANHATTAN Preston Taylor Projects LLC. 820 Second Ave., Suite 7B, New York 10017. Chapter. 11, voluntary. Represented by W. Charles Robinson. Filed: Jan. 16. Case no. 15-10089-smb. Tomnik Food Services Inc. 127 Route 304, Bardonia 10954. Chapter 11, voluntary. Represented by Anne J. Penachio. Filed: Jan. 19. Case no. 15-22086-rdd.

POUGHKEEPSIE Windorsky Inc. 78 Joes Hill Road, Brewster 10509. Chapter 7, voluntary. Represented by Julie Cvek Curley. Filed: Jan. 16. Case no. 15-35069-cgm.

FACTS & FIGURES Bayer HealthCare Pharmaceuticals Inc. Filed by Alicia Ellis. Action: diversity-product liability. Attorney: Neil Duane Overholtz. Filed: Jan. 14. Case no. 7:15-cv00251-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Katina Kirk. Action: diversity-personal injury. Attorneys: Timothy J. Becker, Rolf Fiebiger and Michael K. Johnson. Filed: Jan. 16. Case no. 7:15-cv00318-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Stacy Nunez. Action: diversity-product liability. Attorneys: Elizabeth A. Alexander, Wendy R. Fleishman and Fabrice Vincent. Filed: Jan. 16. Case no. 7:15-cv-00328-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Brandi Smith. Action: diversity-personal injury. Attorneys: Randall S. Crompton and Randall S. Crompton. Filed: Jan. 16. Case no. 7:15-cv-00083-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Crystal M. Smith. Action: diversity-product liability. Attorney: Thomas David Hoyle. Filed: Jan. 16. Case no. 7:15-cv-00334-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by KeVonne Union. Action: diversity-product liability. Attorney: Richard W. James. Filed: Jan. 16. Case no. 7:15-cv-00313-CS. Cigna Life Insurance Co. of New York. Filed by Michael Zielinski. Action: E.R.I.S.A.: employee retirement. Action: E.R.I.S.A.: employee retirement. Attorney: David Bruce Gelfarb. Filed: Jan. 15. Case no. 7:15-cv-00290-KMK. Gateway Kensington LLC et al. Filed by Westchester Residential Opportunities Inc. Action: Fair Housing Act. Attorneys: Diane Lee Houk and Zoe Antonia Salzman. Filed: Jan. 15. Case no. 7:15-cv00280. Hyundai of Rockland LLC. Filed by Sheena C. Matthews. Action: truth in lending. Represented by Robert J. Nahoum. Filed: Jan. 20. Case no. 7:15-cv-00377-CS. Walmart Stores Inc. Filed by Patricia A. O’Connor. Action: diversity-personal injury. No attorney listed. Filed: Jan. 20. Case no. 7:15-cv-00401-KMK.

DEEDS Above $1 million

Edan Management Services Inc., et al, Mamaroneck. Seller: Robert M. Louis, Coconut Creek, Fla. Property: 6 Overlook Road, White Plains. Amount: $405,000. Filed Jan. 15.

Sky High Realty LLC, Little Neck. Seller: FSB Properties Inc., Lake Success. Property: 33 Fourth Avenue South, Mount Vernon. Amount: $391,560. Filed Jan. 16.

Fannie Mae. Seller: Peter Rosato, Yonkers. Property: 558 Park Ave., Yonkers. Amount: $351,437. Filed Jan. 15.

Topland Partners Inc., Hartsdale. Seller: PG Meadow LLC, Cold Spring. Property: North Place, New Castle. Amount: $850,000. Filed Jan. 16.

Fannie Mae. Seller: Peter Rosato, Yonkers. Property: 611 Giordano Drive, Yorktown. Amount: $585,278. Filed Jan. 14.

U.S. Bank N.A. Seller: Johanna Kmetz, Chappaqua. Property: 5 Jenna Way, Rye. Amount: $204,000. Filed Jan. 20.

Crannog LLC, Yonkers. Seller: Torre Brothers, Yonkers. Property: 25 Torre Place, Yonkers. Amount: $2 million. Filed Jan. 15.

Federal National Mortgage Association. Seller: Marjorie L. Siegel, New York City. Property: 10 Cliff St., New Rochelle. Amount: $652,532. Filed Jan. 15.

Uni Equities Providers Corp., Harriman. Seller: Libertyville Capital Group LLC, Montgomery. Property: Peter Bont Road, Greenburgh. Amount: $135,000. Filed Jan. 15.

Rye VS LLC, New York City. Seller: Faros Corporate Center Rye LLC, New York City. Property: 555 Theodore Fremd Ave., Rye. Amount: $39.5 million. Filed Jan. 15.

Glass Capital Ventures LLC, New York City. Seller: Delores Fontaine, New Rochelle. Property: 462 S. Seventh Ave., Mount Vernon. Amount: $50,000. Filed Jan. 14.

SAML LLC, Larchmont. Seller: Kathryn C. Ladin, et al, Larchmont. Property: 169 Larchmont Ave., Mamaroneck. Amount: $1.2 million. Filed Jan. 20.

Haven Development Corp., New York City. Seller: Guy T. Parisi, Rye. Property: 106 Depeyster St., Mount Pleasant. Amount: $293,035. Filed Jan. 20.

23 Rural Realty LLC, Scarsdale. Seller: Joseph E. Sablow, Ardsley. Property: 23 Rural Drive, Scarsdale. Amount: $1.2 million. Filed Jan. 20. 510 North Ave Realty LLC, New Rochelle. Seller: DiSanto Realty LLC, Scarsdale. Property: 508 North Ave., New Rochelle. Amount: $2.1 million. Filed Jan. 16.

Below $1 million 3 Charles Lane LLC, Rye Brook. Seller: Bennett A. Meyer, et al, Rye Brook. Property: 3 Charles Lane, Rye. Amount: $605,000. Filed Jan. 20. 419 Palisade LLC, Southampton. Seller: John N. Kossifos, Yonkers. Property: 419 Palisade Ave., Yonkers. Amount: $450,000. Filed Jan. 15. 42 Orchard Drive LLC, Rye. Seller: Raymond Reilly, Port Chester. Property: 42 Orchard Drive, Rye. Amount: $685,000. Filed Jan. 15. A.J. Wooster Realty LLC, Buchanan. Seller: 653 Highland LLC, Putnam Valley. Property: 653 Highland Ave., Peekskill. Amount: $205,000. Filed Jan. 15. Cliﬀ Walk Sleepy Hollow LLC, Greenwich, Conn. Seller: Union Building Corp., Detroit, Mich. Property: 193 Beekman Ave., Mount Pleasant. Amount: $700,000. Filed Jan. 20. Crannog LLC, Yonkers. Seller: Draft Realty Corp., Yonkers. Property: 18 Torre Place, Yonkers. Amount: $450,000. Filed Jan. 14.

JECL Corp., White Plains. Seller: JNG Battle Avenue LLC, White Plains. Property: 256 Battle Ave., White Plains. Amount: $425,000. Filed Jan. 20. Mahopac Bank, Brewster. Seller: Anthony John Keogh, White Plains. Property: 1 Dutch St., Cortlandt. Amount: $566,648. Filed Jan. 16. Mela LLC, Yonkers. Seller: Tarmonbarry Properties LLC, Pelham. Property: 14 Courtney Place, Yonkers. Amount: $300,000. Filed Jan. 15. Modular Works Inc., Peekskill. Seller: Richard E. Knizeski II, Buchanan. Property: 107 Eighth St., Cortlandt. Amount: $125,000. Filed Jan. 15. Mount Vernon Urban Renewal Agency, Mount Vernon. Seller: Cecilia J. McGovern, White Plains. Property: 205 S. Fifth Ave., Mount Vernon. Amount: $991,108. Filed Jan. 16. Peekskill Partners LLC, White Plains. Seller: Joan Iacono, Bronxville. Property: 302 W. Post Road, White Plains. Amount: $217,137. Filed Jan. 16. SH Properties 1 LLC, White Plains. Seller: Jose Criollo, Ossining. Property: 38 N. Malcolm St., Ossining. Amount: $215,000. Filed Jan. 15.

Wells Fargo Bank N.A. Seller: Charlene Viola Keeling, New Rochelle. Property: 543 Main St., No. 302, New Rochelle. Amount: $255,811. Filed Jan. 15.

FORECLOSURES MOHEGAN LAKE, 3566 Cooper St. Single-family residence; lot size: N/A. Plaintiff: The Bank of New York Mellon Trust Co. Plaintiff ’s attorney: Rosicki & Rosicki & AssocIATES, 845-8971600; 2 Summit Court, Suite 301, Fishkill. Defendant: Paul Codi. Referee: Francis Malara. Sale: Jan. 29, 10 a.m. Approximate lien: $543,517.16. MOUNT VERNON, 15 Adams St. Single-family residence; .12 acre. Plaintiff: US Bank National Association. Plaintiff ’s attorney: Gross Polowy LLC; 1775 Wherle Drive, Williamsville. Defendant: Juliana Jean. Referee: Theodore Brundage. Sale: Jan. 28, 9:15 a.m. Approximate lien: $709,574.22. OSSINING, 8 Water St. Twofamily residence; .04 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Frenkel, Lambert, Weiss, Weisman & Gordon, 631-969-3100; 53 Gibson St., Bay Shore. Defendant: Sonia Gaynor. Referee: John William Buckley. Sale: Jan. 29, 10 a.m. Approximate lien: $275,125.32. PEEKSKILL, 130 Rolling Way. Single-family residence; lot size: N/A. Plaintiff: JPMorgan Chase Bank NA. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, Suite 301, Fishkill. Defendant: Adrien Dimmie. Referee: Nicholas Barone. Sale: Jan. 27, 10 a.m. Approximate lien: $469,741.50.

RYE BROOK, 117 ½ N. Ridge St. Single-family residence; .2 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Druckman & Sinel, 516-876-0800; 242 Drexel Ave., Westbury. Defendant: Hesham Salama. Referee: Kenneth Finger. Sale: Feb. 2, 2 p.m. Approximate lien: $768,604.26. YONKERS, 75-77 Halley St. Two-family residence; .13 acre. Plaintiff: Live Well Financial. Plaintiff ’s attorney: Rosicki & Rosicki & Associates, 845-8971600; 2 Summit Court, Suite 301, Fishkill. Defendant: Marguerite Treco as Executrix of Angela Vetrano. Referee: David Gallo. Sale: Jan. 27, 11 a.m. Approximate lien: $561,603.93. YORKTOWN HEIGHTS, 343 Granite Springs Road. Single-family residence; lot size: N/A. Plaintiff: US Bank National Association. Plaintiff ’s attorney: Schiller & Knapp, 516-786-9069; 950 New Loudon Road, Suite 310, Latham. Defendant: Michael Silvestro. Referee: John Molloy. Sale: Jan. 28, 10:15 a.m. Approximate lien: $620,730.46.

JUDGMENTS Frank Miceli Jr Contracting Inc., New Rochelle. $11,410 in favor of Ace Environmental Services Inc., Brooklyn. Filed Jan. 13. Frank Miceli Jr Contracting Inc., New Rochelle. $11,410 in favor of AJK Inc., Staten Island. Filed Jan. 13. Frank Miceli Jr Contracting Inc., New Rochelle. $11,410 in favor of Sanan Inc., Staten Island. Filed Jan. 13.

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Bodjolle, Brigitte H., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $371,200 affecting property located at 33 Rogers St., Tuckahoe 10707. Filed April 28. Boin, Whitney E., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $313,000 affecting property located at 62 Rockland Ave., Yonkers. Filed April 29. Canero, Carmen L., individually and as heir of the estate of John H. Canero, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $357,000 affecting property located at 5 Ashdown Court, Unit 15E, Peekskill 10566. Filed April 29. Carsto, Deirdre D., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $382,000 affecting property located at 143 Wilson Park Drive, Tarrytown 10591. Filed April 28. Casarella, Narda, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $536,000 affecting property located at 5 Roanoke Ave., Rye Brook 10573. Filed May 1. Ciampanelli, Louis M., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $85,000 affecting property located at 1 Nelson Road, Scarsdale 10583. Filed April 30. Cusati, Edward J., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $2.2 million affecting property located at 175 Waccabuc Road, Goldens Bridge. Filed April 29. Desanctis, Christina, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $290,700 affecting property located at 29 Ross Drive, Somers 10598. Filed April 30. Dimmie, Adrien, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 130 Rolling Way, Peekskill 10566. Filed April 29. Dinapoli, Joseph, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $560,000 affecting property located at 31 Avenue A, Mount Kisco 10549. Filed April 28.

January 26, 2015

FACTS & FIGURES Eagle Wholesale Corp., et al. Filed by Hudson Valley Bank N.A. Action: seeks to foreclose on a mortgage to secure $64,029 affecting property located at 297 Main St., Eastchester 10709. Filed April 28.

Sanders-Murphy, Victoria, et al. Filed by Franklin American Mortgage Co. Action: seeks to foreclose on a mortgage to secure $319,113 affecting property located at 417 S. 10th Ave., Mount Vernon 10550. Filed April 28.

Fontana, Mario, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $401,389 affecting property located at 5A Mill Court, Cortlandt Manor 10567. Filed April 29.

Karras, Gabriel, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $320,000 affecting property located at 52 Crotty Ave., Yonkers 10704. Filed April 30.

Silfa, Cecilia, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $362,000 affecting property located at 23 Van Cortlandt Park Ave., Yonkers 10701. Filed April 28.

Linares, Raymond, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 521 Third Ave., Pelham 10803. Filed April 29.

Spagnuolo, Peter V., et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $348,550 affecting property located at 10 Cottage Place, Apt. 7B, White Plains 10601. Filed April 29.

Mcleod, Karen, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $397,600 affecting property located at 1194 Frost Lane, Peekskill 10566. Filed April 30.

Sprewell, Latrell F., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $1.6 million affecting property located at 4340 Purchase St., Purchase 10577. Filed April 30.

Garrison, Sylvester Kenneth, et al. Filed by Generation Mortgage Co. Action: seeks to foreclose on a mortgage to secure $600,000 affecting property located at 262 E. Fourth St., Mount Vernon 10553. Filed April 29. Genualdo, Elena, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 179 Route 202, Somers 10589. Filed April 28. Gilzene, Hilda, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $250,100 affecting property located at 9 Myrtle St., White Plains 10606. Filed April 29. Guismondui, Carmen, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 14 Landscape Ave., Yonkers 10701. Filed May 1.

Novellino, Gina, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $342,000 affecting property located at 32 Tibbets Road, Yonkers 10705. Filed May 1. Perry, Rick, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $179,655 affecting property located at 20 Stevenson Ave., Cortlandt Manor. Filed April 30.

Starks, Andre, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $231,000 affecting property located at 98 S. Fulton Ave., No. A-101, Mount Vernon 10550. Filed April 29. Stewart, Josephine, et al. Filed by Citibank N.A. Action: seeks to foreclose on a mortgage to secure $352,000 affecting property located at 153 Hawthorne Ave., Yonkers 10701. Filed April 28.

NEW BUSINESSES

Partnerships Arsey Properties, 70 Crotty Ave., Yonkers 10704, c/o Matthew J. Courtien and Juan A. Reyes. Filed Aug. 7.

Sole Proprietorships ACP Consultancy, 420 S. Riverside Ave., No. 215, Croton-onHudson 10520, c/o Alfred C. Pucci. Filed Aug. 5. BD Squared, 7 Verne Place, Hartsdale 10530, c/o William F. Daly. Filed Aug.5. Bennett Family Construction, 8 Schroeder St., Apt. 822, Yonkers 10701, c/o Michael Bennett. Filed Aug. 5. Body Art Tattoo and Piercing, 1220 Old Oregon Road, Miranda Plaza, Courtland Manor 10567, c/o Richard Sumner. Filed Aug. 6.

This paper is not responsible for typographical errors contained in the original ﬁlings.

Bronx River Restorations, 89 Glen Road, Yonkers 10704, c/o Patrick Bundrick. Filed Aug. 7.

Doing Business As

Christine’s African Hair Braiding, 126 Saratoga Ave., Yonkers 10705, c/o Christine Ronelyem. Filed Aug. 6.

Best Dollar Pizza Inc., d.b.a. Recycle On The Go, 143 Stanley Ave., Suite 2, Yonkers 10705. Filed Aug. 5. Highland Avenue Grocery Inc., d.b.a. Peekskill Deli Grocery, 501 Highland Ave., Peekskill 10566. Filed Aug. 5.

Dreamworks Makeup, 2 W. Devonia Ave., Mount Vernon 10550, c/o Ilcilene Maria De Souza. Filed Aug. 5. Evergreen Sales and Marketing, 6 Evergeen Row, Armonk 10504, c/o James P. Gavigan. Filed Aug. 7. Haven Auto Tech, 14 Haven St., Elmsford 10523, c/o Bernardo Pimentel. Filed Aug. 5. M and H Painting, 40 Armett St., 3FL, Port Chester 10573, c/o Henry R. Lopez Calderon. Filed Aug. 7. New York Stucco and General Projects, 57 Old Albany Post Road, Ossining 10562, c/o Milan Prchal. Filed Aug. 7. Owl Rat Music, 360 Hamilton Ave., Suite 100, White Plains 10601, c/o James V. Taylor. Filed Aug. 5. SB Contracting, 201 S. Lexington Ave., White Plains 10601, c/o Allan Stewart. Filed Aug. 5. Tech Secure, 8 S. 15th Ave., Mount Vernon, c/o Darion Wood. Filed Aug. 5. Tekbuy, 26 Glen Park Road, Purchase 10577, c/o Abbas Saghei. Filed Aug. 7.

DeborahJenningsPhotography.com, 632 Warburton Ave., Studio 1F, Yonkers 10701, c/o Deborah Jennings. Filed Aug. 5.

NEWS NOON @

January 26, 2015

WCBJ | HV Biz

LEGAL NOTICES NOTICE OF FORMATION of Wilkening Real Estate LLC, Art. of Org. filed 10/21/14 with Secretary of State (SSNY). Office located in Westchester County. SSNY shall mail a copy of any process against it served upon him/her to: 127 S. Highland Ave Apt. A6, Ossining NY 10562. Purpose of business of LLC is any lawful act or activity. #59749

Notice of Formation of 193 Wilson Park Drive LLC. Art. Of Org. filed with SSNY 12/3/14. Office Location: Westchester County. SSNYdesignated as agent for process. SSNY shall mail a copy of any process to: c/o Jonathan S. Berman, Esq., 4 Hudson Rd. East,Irvington, NY 10533.Purpose: To engage in any lawful act or activity. #59750

Pharaohs Construction LLC, Art. of Org. filed with NY Secy. of State on 10/17/14. Office located in Westchester Co. Secy. of State designated Magdy Ghaly as agent upon which process may be served. Secy. of State shall mail a copy of any process against it served upon him/ her to: 498 Van Cortlandt Park Avenue # 6A, Yonkers, NY 10705 Purpose: any lawful purpose. #59751

NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY. Name: RamSpear, LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on November 20, 2014. Office location: Westchester County. SSNY is designated as agent upon whom process may be served. SSNY shall mail service of process (SOP) to the LLC ,c/o Richard Sherwin 29 Tudor Lane, Scarsdale, NY 10583. Purpose is any lawful purpose. #59752

ATTACCA QUARTET LLC, Arts. of Org. filed with the SSNY on 12/11/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Keiko Tokunaga, 400 Columbus Ave., East Lobby 2nd Fl., Suite 200E, Valhalla, NY 10595. Purpose: Any Lawful Purpose #59753

Notice of formation of Longdale Associates LLC. A Domestic LLC. Articles of Organization filed with Secretary of State of New York on 12/24/13. Office Location Westchester County. SSNY is designated as Agent for service of process. SSNY shall mail process to 405 Tarrytown Rd Suite 1504 White Plains, NY 10607. Purpose: Any lawful Activity #59754

Notice of formation of 85 Avenue Associates LLC. A Domestic LLC. Articles of Organization filed with Secretary of State of New York on 12/26/13. Office Location Westchester County. SSNY is designated as Agent for service of process. SSNY shall mail process to 405 Tarrytown Rd Suite 1504 White Plains, NY 10607. Purpose: Any lawful Activity #59755

Notice of formation of Associates of 87 Avenue LLC. A Domestic LLC. Articles of Organization filed with Secretary of State of New York on 12/26/13. Office Location Westchester County. SSNY is designated as Agent for service of process. SSNY shall mail process to 405 Tarrytown Rd Suite 1504 White Plains, NY 10607. Purpose: Any lawful Activity. #59756

Notice of formation of Manhattan Group Associates LLC. A Domestic LLC. Articles of Organization filed with Secretary of State of New York on 12/30/13. Office Location Westchester County. SSNY is designated as Agent for service of process. SSNY shall mail process to 405 Tarrytown Rd Suite 1504 White Plains, NY 10607. Purpose: Any lawful Activity. #59757

Notice of formation of North Washington Associates LLC. A Domestic LLC. Articles of Oragnization filed with Secretary of State of New York on 12/26/13. Office Location Westchester County. SSNY is designated as Agent for service of process. SSNY shall mail process to 405 Tarrytown Rd Suite 1504 White Plains, NY 10607. Purpose: Any lawful Activity. #59758

Notice of formation of South Terrace Associates LLC. A Domestic LLC. Articles of Organization filed with Secretary of State of New York on 12/27/13. Office Location Westchester County. SSNY is designated as Agent for service of process. SSNY shall mail process to 405 Tarrytown Rd Suite 1504 White Plains, NY 10607. Purpose: Any lawful Activity. #59759

THE SPARROWS LULLABY BAND, LLC, Arts. of Org. filed with the SSNY on 11/25/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Rebecca Blumhagen, 23 Bedford St., Apt. 2, NY, NY 10014. Reg Agent: Rebecca Blumhagen, 23 Bedford St., Apt. 2, NY, NY 10014. Purpose: Any Lawful Purpose. #59760

GRANNUS HEALTHCARE SOLUTIONS, LLC, Authority filed with the SSNY on 05/08/2014. Office location: Westchester County. LLC formed in DE on 02/20/2014. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 2711 Centerville Rd Ste 400, Wilmington, DE 19808. Principal office of the LLC: 300 Mamaroneck Ave Unit 433 White Plains NY 10605. Cert of Formation filed with DE Div. of Corps, 401 Federal St., Ste 4, Dover, DE 19901. Purpose: Any Lawful Purpose. #59761

Notice of Formation of Tavolacci Consulting, LLC Art. Of Org. filed with SSNY on 5/7/14. Offc. Loc: Westchester Cty. John Tavolacci desig. as agent of the LLC upon whom process against it may be served. John Tavolacci shall mail process to the LLC, 42 Howard St #2W Sleepy Hollow, NY 10591. Purpose: any lawful purpose. #59762

GLOBAL CITIZENS HOME CARE SERVICES LIMITED LIABILITY COMPANY, Arts. of Org. filed with the SSNY on 11/12/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Samuel Gonzalez Jr, 60 Morrow Ave Apt 2TN, Scarsdale, NY 10583. Purpose: Any Lawful Purpose. #59766

THREE S. PROPERTIES LLC, Arts. of Org. filed with the SSNY on 10/09/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 149 Washington St., Mount Vernon, NY 10550. Purpose: Any Lawful Purpose. #59767

147 WASHINGTON STREET LLC, Arts. of Org. filed with the SSNY on 10/09/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 149 Washington St., Mount Vernon, NY 10550. Purpose: Any Lawful Purpose. #59768

Notice of Formation of Tennis Connection, LLC. Arts. of Org. filed with SSNY on 11/19/2014. Offc. Loc.: Westchester Cty. SSNY design. as agent of LLC upon whom process against it may be served. SSNY shall mail a copy of process to the LLC, c/o US Corporation Agents, Inc., 7014 13th Ave., Suite 202, Brooklyn, NY 11228. Purpose: any lawful activity. #59769

Notice of Formation of UR Event by Shaune, LLC. Art. Of Org. filed with SSNY on 10/27/2014. Office Location: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to Shaune Wallace-Bostic, 1333A North Avenue, Suite 294, New Rochelle, NY 10804. Purpose: any lawful purpose. #59770

NOTICE OF FORMATION OF 7 North Dearman LLC Arts. of Org. filed w/Secy of State of NY on 09/19/14, Office loc: Westchester Cty, SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Lyons McGovern LLP, 399 Knollwood Rd, Ste 216, White Plains, NY 10603. Purpose: Any lawful activity #59779

FLOORS BEAUTIFUL USA LLC, Arts. of Org. filed with the SSNY on 12/12/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 26 Brookside Lane, Harrison, NY 10528. Purpose: Any Lawful Purpose. #59771

NOTICE OF FORMATION OF 9 North Dearman LLC Arts. of Org. filed w/Secy of State of NY on 09/19/14, Office loc: Westchester Cty, SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Lyons McGovern LLP, 399 Knollwood Rd, Ste 216, White Plains, NY 10603. Purpose: Any lawful activity #59780

Notice of Formation of S and S Getaways, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on September 11, 2014. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process for the LLC, 10 Scenic Circle, Croton on Hudson, New York 10520, principal business location of the LLC. Purpose: any lawful business activity. #59773

CANNABIS OF AMERICA LLC, Arts. of Org. filed with the SSNY on 01/06/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 427 Manville Rd., Pleasantville, NY 10570. Purpose: Any Lawful Purpose. #59774

Notice of Formation of RayLey B. Worldwide, LLC Art. Of Org. filed with SSNY on 09/29/14. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 93 Maple St. # 2R Yonkers., NY 10701. Purpose: any lawful purpose. #59775

Notice of Formation of Woodcroft Advisors, LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 12/22/14. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: any lawful activity. #59777

NOTICE OF FORMATION OF 60 East Sunnyside LLC Arts. of Org. filed w/Secy of State of NY on 09/19/14, Office loc: Westchester Cty, SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Lyons McGovern LLP, 399 Knollwood Rd, Ste 216, White Plains, NY 10603. Purpose: Any lawful activity #59781

The EHS Group, LLC. Art. of Org. filed with SSNY on 12/23/2014. Ofc loc Westchester Cty. SSNY desig. Agent of LLC upon whom process may be served. SSNY shall mail process to: Steven J Kennedy, 69-71 Townsend St Port Chester, NY 10573. Purpose: Any lawful activity. #59782

Notice of Formation of SERENAMALIA LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 12/10/14. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 46 Westchester Avenue, Pound Ridge, NY 10576. Purpose: any lawful act or activity. #59783

38 HUNTER STREET LLC, Arts. of Org. filed with the SSNY on 01/08/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Steinvurzel and Levy Law Group C/O Ronald Steinvurzel, Esq., 34 S. Broadway - Ste 210, White Plains, NY 10601. Reg Agent: Steinvurzel and Levy Law Group C/O Ronald Steinvurzel, Esq., 34 S. Broadway - Ste 210, White Plains, NY 10601. Purpose: Any Lawful Purpose. #59784

NDEX NO.: 54375/2014 File Date: 12/23/14 SUPPLEMENTAL SUMMONS WITH NOTICE MORTGAGED PREMISES: 25 WOODROW AVE., YONKERS, NY 10710 SBL #: 3 ñ 3134 ñ 13 ADDLOT 14-15 Plaintiff designates Westchester County as the place of trial; venue is based upon the county in which the mortgaged premises is situate. STATE OF NEW YORK SUPREME COURT: COUNTY OF WESTCHESTER APPLE BANK FOR SAVINGS, Plaintiff, -againstUNKNOWN HEIRS OF THE ESTATE OF GLADYS JOHNS, if living, and if dead, the respective heirs at law, next of kin, distributees, executors, administrators, trustees, devisees, legatees, assignors, lienors, creditors and successors in interest, and generally all persons having or claiming under, by or through said defendants who may be deceased, by purchase, inheritance, lien or otherwise of any right, title, or interest in and to the premises described in the complaint herein, and their respective husbands, wives or widows, if any, and each and every person not specifically named who may be entitled to or claim to have any right, title or interest in the property described in the Complaint, all of whom and whose names and places of residence unknown, and cannot after diligent inquiry be ascertained by the Plaintiff, ET AL., Defendants. TO THE ABOVE NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED to answer the Complaint in this action and to serve a copy of your answer, or, if the Complaint is not served with this Summons, to serve a notice of appearance on the attorneys for the Plaintiff within 20 days after the service of this Summons, exclusive of the day of service (or within 30 days after service is complete if this Summons is not personally delivered to you within the State of New York). In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the Complaint. NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME IF YOU DO NOT RESPOND TO THIS SUMMONS AND COMPLAINT BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE MORTGAGE COMPANY WHO FILED THIS FORECLOSURE PROCEEDING AGAINST YOU AND FILING THE ANSWER WITH THE COURT, A DEFAULT JUDGMENT MAY BE ENTERED AND YOU CAN LOSE YOUR HOME. SPEAK TO AN ATTORNEY OR GO TO THE COURT WHERE YOUR CASE IS PENDING FOR FURTHER INFORMATION ON HOW TO ANSWER THE SUMMONS AND PROTECT YOUR PROPERTY. SENDING PAYMENT TO YOUR MORTGAGE COMPANY WILL NOT STOP THIS FORECLOSURE ACTION. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. THE OBJECT of the above captioned action is to foreclose a Mortgage to secure $60,000.00 and interest, recorded in the Office of the Clerk of Westchester on February 24, 1989, at LIBER 12972; PG. 177, covering premises known as 25 WOODROW AVE., YONKERS, NY 10710 ñ SEC. 3; BLOCK 3134; LOT 13 ADDLOT 14-15. The relief sought in the within action is a final judgment directing the sale of the premises described above to satisfy the debt secured by the Mortgage described above. The Plaintiff also seeks a deficiency judgment against the Defendant and for any debt secured by said Mortgage which is not satisfied by the proceeds of the sale of said premises. TO the Defendant(s) UNKNOWN HEIRS TO THE ESTATE OF GLADYS JOHNS, the foregoing Supplemental Summons with Notice is served upon you by publication pursuant to an Order of the Hon. Joan B. Lefkowitz of the Supreme Court of the State of New York, dated December 8, 2014 Dated: New Rochelle, NY December 18, 2014 MCCABE, WEISBERG & CONWAY P.C. /s/_________________ Leroy J. Pelicci, Esq. Attorneys for Plaintiff 145 Huguenot St., Ste. 210 New Rochelle, NY 10801 p. 914-636-8900 f. 914-636-8901 HELP FOR HOMEOWNERS IN FORECLOSURE NEW YORK STATE LAW REQUIRES THAT WE SEND YOU THIS NOTICE ABOUT THE FORECLOSURE PROCESS. PLEASE READ IT CAREFULLY. SUMMONS AND COMPLAINT YOU ARE IN DANGER OF LOSING YOUR HOME. IF YOU FAIL TO RESPOND TO THE SUMMONS AND COMPLAINT IN THIS FORECLOSURE ACTION, YOU MAY LOSE YOUR HOME. PLEASE READ THE SUMMONS AND COMPLAINT CAREFULLY. YOU SHOULD IMMEDIATELY CONTACT AN ATTORNEY OR YOUR LOCAL LEGAL AID OFFICE TO OBTAIN ADVICE ON HOW TO PROTECT YOURSELF. SOURCES OF INFORMATION AND ASSISTANCE. The State encourages you to become informed about your options in foreclosure. In addition to seeking assistance from an attorney or legal aid office, there are government agencies and non-profit organizations that you may contact for information about possible options, including trying to work with your lender during this process. To locate an entity near you, you may call the toll-free helpline maintained by the New York State Banking Department of Financial Services at 1-800-342-3736 or visit the Department’s website at www. dfs.ny.gov. FORECLOSURE RESCUE SCAMS Be careful of people who approach you with offers to “save” your home. There are individuals who watch for notices of foreclosure actions in order to unfairly profit from a homeowner’s distress. You should be extremely careful about any such promises and any suggestions that you pay them a fee or sign over your deed. State law requires anyone offering such services for profit to enter into a contract which fully describes the services they will perform and fees they will charge, and which prohibits them from taking any money from you until they have completed all such promised services. #59765

WCBJ | HV Biz

January 26, 2015

LEGAL NOTICES Notice of formation of Limited Liability Corporation (LLC), Climb Leadership Consulting, LLC., filed with the New York Secretary of State on December 19, 2014. Office located in Westchester County, New York, designated as agent upon which process may be served to: 10 Habitat Lane, Cortlandt Manor, NY 10567, principal businss location of the LLC whose purpose is any lawful activity. #59785

NOTICE OF FORMATION OF PREMIUM QUALITY HOMES, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 01/12/15. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: 624 White Plains Rd #123, Tarrytown, NY 10591, principal business location of the LLC. Purpose: any lawful business activity. #59786

Notice of Formation of Compass Coaching LLC Art. Of Org. filed with SSNY on 1/5/15. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 791 Swed Circle, Yorktown Hts., NY 10598. Purpose: any lawful purpose including professional and personal coaching and organization leadership and development. #59787

Notice of Formation of Business Transformation Consulting LLC Art. Of Org. filed with SSNY on 12/15/14. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 793 Center St. Suite 165 Lewiston, NY 14092. Purpose: any lawful purpose. #59788

TWO WYATT’S LLC, Arts. of Org. filed with the SSNY on 01/13/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 75 North Central Ave., Elmsford, NY 10523. Reg. Agent: Mark Wissner, 844 Nepperhan Ave., Ste. A, Yonkers, NY 10703. Purpose: Any Lawful Purpose. #59789

MEDITERRANEO (WP) LLC, Arts. of Org. filed with the SSNY on 12/22/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Gilbride, Tusa, Last & Spellane LLC, 31 Brookside Drive, Greenwich, CT 06830. Purpose: Any Lawful Purpose. #59790

KURTZ LEGAL NURSE CONSULTING, LLC, Arts. of Org. filed with the SSNY on 01/09/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: The LLC, 4 Sage Terrace , Scarsdale, NY 10583. Purpose: Any Lawful Purpose. #59791

365 BERGEN LLC, Arts. of Org. filed with the SSNY on 01/07/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 41 Euclid Ave, Hastings-On-Hudson, NY 10706. Reg Agent: Warren Godridge, 41 Euclid Ave, Hastings-OnHudson, NY 10706. Purpose: Any Lawful Purpose #59792

Notice of Formation of 39 F L, LLC. Art. of Org. filed with Sectíy of State of NY (SSNY) on 12/22/14. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to c/o Bartels & Feureisen, LLP, 1025 Westchester Ave., Suite 402, White Plains, N.Y. 10604. Purpose: any lawful purpose. #59793 Notice is hereby given that a license number 1283498 for wine and beer has been applied for by the undersigned to sell beer and wine at retail in a restaurant under the Alcoholic Beverage Control Law at 144 Larchmont Avenue, Larchmont, NY 10538 in Westchester County for on premises consumption.FROMMAGINATION INC. D/B/A AURAY GOURMET #59794

Notice of formation of SHULER ADVISORY, LLC. Art. Of Org. filed with the Sectíy of State of NY (SSNY) on 01/12/15. Office in Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 33 Cohawney Rd Scarsdale, NY 10583. Purpose: Any lawful purpose #59795

Notice of Formation of New Byte Tech, LLC Art. Of Org. filed with SSNY on 01/19/15. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 108 Murray Avenue, Yonkers., NY 10704. Purpose: any lawful purpose. #59796

YESTADT ARCHITECTURE & DESIGN PLLC, a Prof. LLC, Arts. of Org. filed with the SSNY on 01/13/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 17 North Chatsworth Ave, Larchmont, NY 10538. Purpose: To Practice The Profession Of Architecture. #59797

Notice of Formation of Infinite Gastronomy, LLC Art. Of Org. filed with SSNY on 11/06/14. Office Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the c/o United States Corporation Agents, Inc., 7014 13th Ave., Ste. 202, Brooklyn, NY 11228. Purpose: any lawful purpose. #59798

Notice of Formation of DONI D’ITALIA, LLC. Art. Of Org. filed with SSNY on 01/07/2015. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 64 Hudson Point Ln, Ossining, NY 10562. Purpose: any lawful act or activity. #59801

NOTICE OF FORMATION OF 3314 Consulting, LLC. Articles of Organization filed with the Secretary of State of NY (SSNY) on 9/25/14. Office location: WESTCHESTER County. SSNY has been designated as agent upon whom process against it may be served. The Post Office address to which the SSNY shall mail a copy of any process against the LLC served upon him/her and The principal business address of the LLC is: 70 Virginia Road, Suite 21F, White Plains, NY 10603 Purpose: any lawful act or activity. #59799

Notice of Formation of Graystone Products LLC, Art. Of Org. filed with SSNY on 1/20/15. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 15 Reynal Rd, White Plns, NY 10605. Purpose: any lawful purpose. #59802

CHERNIN LAW, PLLC. Art. of Org. filed w/ NY Sec. of State (SSNY) on 1/13/15. Office in Westchester Co. SSNY designated agent for service of process. SSNY shall mail process to: Chernin Law, PLLC, 3 Premium Point, New Rochelle, NY 10801. Purpose: Law #59800

Notice of Formation A. Caryl Ave LLC Arts. of Org. filed with SSNY 1/14/15. Off. Loc.: Westchester Cnty. SSNY designated as agent of LLC whom process may be served. SSNY shall mail process to: c/o the LLC, 301 McLean Ave., Ste. 2B, Yonkers, NY 10705. Purpose: all lawful activities. #59803

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January 26, 2015

WCBJ | HV Biz

Panelists discuss leveraging tech in the fashion world

From left, Joyce F. Brown, president of the Fashion Institute of Technology; Julie Gaynor, vice president and general manager of Neiman Marcus Westchester; Barbara LaMonica, founding partner of the LaMonica-Baas Group; and Kara Mendelsohn, creative director and designer of cooper & ella. Photo by John Rizzo

BY GEORGETTE GOUVEIA ggouveia@westfairinc.com

echnology was very much on the minds of the panelists and other participants in “Powerful Women in Retail/ Fashion,” which the Business Journal and its parent company, Westfair Communications, presented Jan. 14 at The College of New Rochelle, host and co-sponsor. “Online shopping is growing like crazy. It’s now 25 percent of the business,” said Barbara LaMonica, founding partner of the LaMonica-Baas Group, a global wholesale and retail fashion consulting firm. LaMonica, a former senior vice president and general merchandise manager of Bergdorf Goodman, was joined on the panel by Joyce F. Brown, president of the Fashion Institute of Technology in Manhattan; Julie Gaynor, vice president and general manager of Neiman Marcus Westchester

in White Plains; and Kara Mendelsohn, creative director and designer of cooper & ella, a contemporary fashion brand for women. Some 250 fashionistas were on hand for a discussion that often came back to the relationship between the very tactile world of fashion and the digital world. Though it may seem counterintuitive, online and in-store shopping feed one another, as stores offer different collections in both, the panelists noted. Technology also can be a tool for the retailer. Neiman Marcus equips its sales associates with iPhones, Gaynor said, so that they’re only a few taps away from the customer or what he needs. “A lot of people still want that human connection,” she said, and, perhaps not-soironically, the digital revolution can facilitate it. Social media, too, can be a powerful tool in introducing new designers to retail,

which like publishing and other industries can be a tough nut to crack. But if a newbie can demonstrate a following on the Net or at a recent event covered on the Net, that can go a long way to getting his or her well-heeled foot in the door. Mendelsohn, who has worked for Calvin Klein, Michael Kors and Marc Jacobs, recommended that domain-name registrar GoDaddy.com be the aspirant’s first stop on the road to building a successful website. There is, Mendelsohn said, one area in which fashion and technology will continue to keep separate company and that is wearable tech. Wristlets for your cell, a cool watch that does more than tell time? Yes. But Google Glass — a combination of eyeglasses and a computer? Or even a shirt that measures your vital signs? Not so much, she said, unless perhaps you’re an athlete. What matters in fashion, panelists said, is what has always mattered — fabric and

cut. And that is why designers, retailers and shoppers alike will seek out what they want at home and abroad, high-end and low. So American-made? Yes and no. “Often you’re not getting the same fit (from abroad),” Joyce Brown said. “The American body has a different fit than those in other places in the world.” On the other hand, Mendelsohn said, “some of the most beautiful product comes out of Asia.” The event sponsors were Sterling National Bank, Entergy, The Greenwich Medical Skincare and Laser Spa, Bigelow Tea Co., Drs. Maria Lufrano and George and Jeffrey T. Shapiro, and White Plains Hospital. Supporters were Gallery 66 NY, The Dessertist, the Westchester Library System, the Women’s Enterprise Development Center, The Women’s Business Development Council and Professional Women of Westchester. WCBJ | HV Biz

January 26, 2015

Family-owned

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A salute to family-owned businesses in westchester and fairfield counties – from the hudson river to the long island sound – all hardworking entrepreneurs who have made their businesses succeed through the generations.

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