Westchester County Business Journal 041315

39 | FACES & PLACES

2 | VET IN A VAN April 13, 2015 | VOL. 51, No. 15

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Small-business health exchange challenged with upcoming changes

BY COLLEEN WILSON cwilson@westfairinc.com

N

ot even halfway through the new year, state health officials and insurance companies are already looking ahead to January when the smallbusiness market in the health insurance exchange will see a major shift in its landscape.

The Patient Protection and Affordable Care Act states that on Jan. 1, 2016, the “small-group market” will expand to include employers with as many as 100 employees, up from a cap of 50 employees.

New York faces the challenge of having to blend two differentsize groups of businesses into a more than 20-year-old marketplace while also easing the larger group into a different insurance rating system — a task that some experts say will be difficult.

In 1992, under Gov. Mario Cuomo, New York started using a community rating system to determine premium rates based on family size and region for health insurance plans with businesses of fewer than 50 employees. For large businesses, which were considered companies with more than 50 employees, New York rated premiums based on “experience,” using factors such as age, gender, type of business and claims experience.

As it stands now, New York will be forced to merge these two market groups in about eight months, and a portion of the large group — 51 to 100 employees — will no longer have health care rates determined by age, gender and other factors.

James D. Schutzer, an insurance broker and vice president of J.D. Moschitto & Associates Inc. in White Plains, said the shift would » HEALTH, page 6

New life for former hospital CEO PAGE 21

Keith Safian at his North Castle home. Photo by John Golden

Receiver named to sell Eljamal’s Shell station interests MONEY WILL GO TOWARD $4.8M DAMAGES AWARD

BY JOHN GOLDEN jgolden@westfairinc.com

A STATE SUPREME COURT JUDGE has appointed an independent receiver to collect payments due Westchester businessman Sammy Eljamal by the partners with whom he has waged a fouryear battle of lawsuits in state and federal courts and to sell off Eljamal’s interests in their Shell gas station holding companies to pay nearly $4.8 million in damages a jury awarded a former office

colleague whom Eljamal falsely accused of making death threats against him and his family.

As of early March, Eljamal’s distributive share as a member of NY Fuel Holdings LLC and Metro NY Dealer Stations LLC totaled approximately $464,000, according to papers filed in another Supreme Court case involving Eljamal and the managing partners, Scarsdale investor James Weil and Silverman Realty Group Inc. Chairman Leon Silverman, who removed Eljamal as manager of their Shell gas station opera-

tions in Westchester, Long Island and New York City.

The money has been held by the partners in an escrow account while the financially beleaguered Eljamal has repeatedly replaced attorneys and filed numerous court motions, appeals and a Chapter 11 bankruptcy petition in U.S. Bankruptcy Court related to a separate $5 million judgment against him in favor of Silverman in a dispute over control of several Shell gas stations in Connecticut.

Lois N. Rosen, a White Plains attorney representing Silverman

in the Connecticut business dispute, in a Bankruptcy Court filing last year said Eljamal’s petition for protection from creditors on behalf of his Thornwood company, Connecticut Dealer Stations Management LLC, “is just the latest example of Eljamal’s efforts to use (and misuse) the judicial system for his own collateral business advantage.” Eljamal, she said, “has made it clear that he is willing to go to any lengths to avoid the ultimate day of reckoning.”

Eljamal has been unavailable » ELJAMAL, page 6

Biz This vehicle brakes for animals House calls no problem for this veterinarian

WCBJ

BY DANIELLE BRODY

®

dbrody@westfairinc.com

R

ichard Goldstein runs a veterinary business that makes strictly house calls and brings the office to the patient. Goldstein owns and operates Westchester County’s only mobile veterinarian office, Mobile Vet Squad, which serves cats and dogs that dislike car travel or can’t get to a traditional office.

Goldstein said he wanted to open his own practice a few years ago. When he saw an advertisement in a trade magazine for a company that makes veterinary trucks. “It was like a light bulb went off,” he said.

Goldstein visited the La Boit Specialty Vehicles Inc. headquarters in Ohio. The company built his custom-designed 26-foot-long Ford E450 truck, which is outfitted with the same equipment as a traditional veterinarian office. Goldstein compares it with the size of a large school bus.

He said while there are other mobile veterinarian offices on Long Island and in Connecticut, they are more popular in the Midwest and the South. “It’s kind of a new thing for this area,” he said.

Goldstein got on the road five years ago.

He celebrates the Mobile Vet Squad’s anniversary this month and the growth of the business, which serves patients in southern Westchester and Greenwich, Conn. “We started from scratch,” he said.

Prior to opening his business, the veterinarian had been doing per diem work, while also pursuing theater. Goldstein has combined the two careers, appearing on Animal Planet’s “Housecat Housecall” and on a weekly segment on WBNG-TV news in Binghamton. Goldstein is a member of numerous veterinarian associations as well as the Actors’ Equity Association.

Goldstein said the Mobile Vet Squad business has grown every year. He now has more than 500 patients, most of whom use him as their primary veterinarian.

The van benefits animals who feel stressed at the vet’s office and owners who can’t take their pet to a traditional office due to lack of transportation or busy schedules, Goldstein said. “I found there were a lot of animals that weren’t being served,” he said.

Instead of pet owners putting their dogs or cats into the car, then waiting in an office surrounded by other animals, Goldstein shows up outside their homes, and the pets and their owners come aboard the truck.

Many owners tell Goldstein their pet bit every other veterinarian except him.

He said owners often offer him and his staff coffee or lunch.

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April 13, 2015

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Publisher Dee DelBello Associate Publisher Anne Jordan Managing Editor Bob Rozycki Westchester County Bureau Chief John Golden

Richard Goldstein, mobile veterinarian. Photo by Danielle Brody

Opening an office in a van instead of a stationary building was not a cost-savings move, or a stepping-stone to a stationary practice, he said. He said he has high overhead and pays the mortgage on the truck and updates equipment. “The equipment is the same, the cost is equivalent to the cost of starting a practice,” he said.

Goldstein is also part mechanic, responsible for fixing the truck on the road.

Goldstein and his two technicians visit five to 10 clients per day. He said they can do anything in the mobile office from a wellness exam to surgery. He also offers X-rays, ultrasounds and vaccinations among other veterinary services. He refers clients who call about emergencies or exotic animals to a stationary veterinarian.

Mobile Vet Squad charges patients a base fee of $150 for the visit, which includes the consultation and exam, travel, gas and tolls. The base fee is standard practice, he said, and he said his price is average in the industry.

Goldstein is certified in treating cats and dogs by the American Board of Veterinary

Practitioners. Certified veterinarians, called diplomates, must recertify every 10 years.

There are 400 such diplomates nationally and three in Westchester County, including Goldstein.

Getting certified was “more difficult than going to vet school,” Goldstein said.

The certification requires additional work after medical school, like writing up multiple cases, he said.

Since starting his business, Goldstein has noticed clients have become more involved in the process and better educated about what’s going on with their pets.

“They can become part of the conversation because they’ve done their homework,” Goldstein said. “They understand and they ask questions. I love being able to have that kind of dialogue with the client. They become a more active part of their pet’s health care.”

Goldstein said he hopes eventually to add another truck to the practice. He doesn’t have plans for a stationary office. “I like what I do and it fills a need. I think for now I’d like to stay on the road.”

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C.W. Brown acquired by Rochester builder

BY JOHN GOLDEN jgolden@westfairinc.com

A

Rochester construction company averaging $700 million annually in building projects will expand its operations in the tristate region with the acquisition this month of C.W. Brown Inc. in Armonk.

The deal, announced April 6 to employees at the 31-year-old Westchester construction company, makes C.W. Brown a division of LeChase Construction Services LLC, a construction management and general contracting company that has grown to approximately 700 employees at 10 offices in upstate New York, Pennsylvania and North Carolina since its founding 69 years ago in Rochester.

The Armonk company has averaged about $50 million annually in construction projects over the last several years, according to a company spokesman.

The C.W. Brown workforce, which includes about 25 office employees and a core construction crew in the field of 40 to 45 union carpenters, will be retained by LeChase, said William H. Goodrich, LeChase president and CEO, and Renee Brown, president and CEO of the Armonk company, in a joint interview April 7.

Active in the Capital Region, where it science campuses in Westchester.

“What’s really great about the marriage has maintained a Schenectady office for 10 years, LeChase plans to expand its reach in between C.W. Brown and LeChase is that we the Hudson Valley with the acquisition that are already in the same markets” for contook effect April 1. “Being in Westchester is struction work and have a similar company very strategic for us,” said Goodrich. “It’s a culture built on strong employee relations and sustained relationships with customers. great fit.”

LeChase has done construction proj- At both companies, said Goodrich, “The phiects in the health care, education, indus- losophy is, travel anywhere for your clients.”

Brown said the acquisition “wasn’t sometrial and manufacturing, science and technology, commercial and multiunit housing thing that we sort of pulled out of the hat sectors. LeChase also has built affordable a couple weeks ago.” Before her husband’s housing developments throughout the death in 2011, they had talked about exit Northeast in a joint venture partnership with strategies.

In 2008, as part of their business succesanother Rochester-based company, Conifer Realty LLC, the developer of the planned sion plan, the Browns had formed an employChappaqua Crossing affordable housing ee ownership stock plan that gave their office staff a collective 10 percent share in the pridevelopment in the town of New Castle.

Launched in 1984 by Renee Brown vately held company. That deferred-compenand her late husband, Charles W. “Charlie” sation benefit plan has ended and employees Brown Jr., in the basement of their Somers have received distributions that have been home, C.W. Brown Inc. has specialized in rolled over into a 401(k) plan, she said.

“It was most important to me that the high-end interior alterations and renovations for commercial clients in New Jersey, company carry on, that it continue to grow,” New York City, Fairfield County, Conn., and said Brown, who added her late husband’s Westchester, Putnam and Dutchess counties title as president while serving as CEO of the in the lower Hudson Valley. Its customer base certified woman-owned business enterprise.

Brown and Peter Belmont, chief financial includes PepsiCo Inc., Fordham University and Biomed Realty Trust Inc., owner of The officer at C.W. Brown, met for the first time Landmark at Eastview and Ardsley Park lifeT:10”last June with LeChase executives in their

William H. Goodrich, LeChase Construction Services president and CEO, and Renee Brown, president and CEO of C.W. Brown Inc.

search for a buyer. “That was a great meeting,” said Brown. “The rapport, the culture, the values, the relationship with clients. …

For me, I knew there was going to be continuity and opportunity here for our employees.”

Those employees learned of the acquisition at an April 6 meeting. “The way that they embraced it, the synergies and the buzz in the room was amazing,” said Brown. “I knew we had done the right thing and I knew that Charlie would be really happy about it.

Goodrich said with the acquisition, C.W. Brown’s employees “can stay and continue to grow with the organization.”

Brown said she has made a three-year commitment to remain with LeChase as vice president of its Westchester region.

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GUEST VIEW

Why the Hudson Valley Workforce Academy is needed

BY ROBERT GLAZER

T

he health care industry is changing rapidly and technological advancements have contributed to a fundamental shift in the way we do business.

Today, we are driven by data that help providers minimize costs and improve care and outcomes by providing patients with the right care at the right time. Therefore, our growing ability to collect and sort through large quantities of data is altering the way we approach marketing and conduct business. Collection and analysis of data from our offices and physicians, as well as patient demographics and their in-office experiences, provides us with the information we need to strengthen our efficiency, operate leanly and create customized training solutions for all segments of our operations in order to optimize our patients’ experiences in each and every one of our 40 offices. The landscape of health care marketing is data-driven and demands that we cast aside ingrained notions of what constitutes analysis.

When viewing a database of information, certain factors may jump out at the viewer, whereas other factors will not be apparent

unless the viewer is properly trained. It takes expertise and training to be able to decipher what data really tell us. The range of possibilities is enormous.

For example, data might tell us about patient traffic to our offices on rainy days (people may be less inclined to leave their homes), or the pollen count in any given geographical area that could be contributing to a higher rate of allergic reactions. The latter information could be used to determine which offices should offer an increase in allergy services. Other data might describe factors that affect volume of total patients.

They would include the patients’ ages, their insurance coverage, what religious and cultural holidays they celebrate and when their local schools are closed.

A real-world example from ENT and Allergy Associates: One of the effects of the health care exchange is that a larger percentage of our total revenue is composed of co-pays and deductibles. Furthermore, the percentage of self-pays we receive has doubled in the last year. Observing these trends through data has changed certain jobs within our company, and has forced us to add steps to self-pay accounts receivable collections as we monitor the data more closely.

In order to recognize these trends, the format of the data may need to be manipulated so we can recognize these changes faster and adapt to new challenges accordingly.

Whether translating data lists into graphs or utilizing certain Microsoft Excel filters, our ability to view data in the most appropriate way will pay long-term dividends.

The bottom line is that data retrieval and analysis is sophisticated these days, and the current workforce needs to become sufficiently trained in the science of data analytics in order to understand sources and conceive of innovative uses of data to improve and refine health care. That’s where our partner in regional advancement and workforce development, the Westchester County Association, comes in.

The WCA’s Hudson Valley Workforce Academy is a great asset to our region, working diligently to prepare our area’s workforce for this seismic shift in health care. The academy presents an invaluable resource to health care and other employers in our area.

It is a collaborative partnership between regional stakeholders in education, health care and business committed to turning skill deficits in our workforce into skill mastery — skills that our employees can then put to immediate use in their employment right

here in the Hudson Valley.

From our own perspective, the specialized training in data analysis and health care informatics has allowed ENTA to view our data from a new and fresh perspective that better equips us to manage our constantly shifting and changing priorities and outcomes. Analytics has helped us change our business systems for patient intake and improve our patient appointment systems to adjust to this evolving insurance market.

The training provided by the WCA’s Hudson Valley Workforce Academy gives our staff the tools they need to keep our business sharp.

Health care is one of the fastest-growing economic sectors in the country; it is one of the top industries in our region. As health care continues to grow and evolve, it’s imperative that industry maintains the pace and that our business strategies adjust accordingly. Businesses need to employ staffs that have the knowledge and skills needed to further our missions. The courses provided by the WCA will not only help to facilitate this change, they will ensure that neither our businesses nor our workforce is left behind.

Robert Glazer is CEO of Tarrytown-based ENT and Allergy Associates. Contact ENTA at 914-333-5900.

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Eljamal — From page 1

for comment on the skein of lawsuits in which he has been involved since 2011 as either a plaintiff or defendant.

On April 7, Supreme Court Justice Francesca E. Connolly appointed the receiver shortly after her decision that upheld a jury’s verdict last year that required Eljamal to pay $4,785,000 to Brent Coscia, general manager at New York Fuel Distributors LLC in White Plains. An Eljamal associate, Brian Orser, was ordered to pay $225,260 for his role in a series of incidents targeting Coscia, one of which led to the veteran fuel-oil industry manager’s arrest by Harrison police on a charge of aggravated harassment.

Coscia was found not guilty after he produced phone records showing he never made the threatening phone call to Eljamal’s home in Purchase that both Eljamal and Orser claimed he had made.

Eljamal had sought to have the verdict set aside, claiming that the trial last May was “rife with judicial error” on the part of Justice Lester B. Adler.

Eljamal claimed Adler erred in denying his request to represent himself in the course of the trial and failed to properly instruct the jury as to the standard of proof for an award of punitive damages.

Eljamal also cited Adler’s refusal to discharge a juror who claimed she could not be impartial until late in the trial and the judge’s failure to question the other jurors as to whether the excused juror had spoken to them about her bias.

Connolly rejected his claims. As for the trial judge’s refusal to grant Eljamal’s request to represent himself in the trial, “Eljamal’s volatile demeanor (for example, openly crying in the courtroom) would have presented a distraction to the jury and unnecessarily prolonged the trial,” she wrote.

Connolly also noted that the excused juror explicitly stated in court that she had not spoken to any other jurors. Eljamal had not presented any proof to back his claim that the biased juror had tainted the other jurors, she said.

Eljamal last year was denied his bid to halt enforcement of the roughly $4.79 million judgment against him in an appeal to

the state Appellate Division.

With his appeal denied, Connolly wrote in her April 7 decision and order, “both the time and circumstances are ripe” to appoint a receiver to collect Eljamal’s monetary distributions from the gas station companies and ultimately sell his interests in them to

Health — From page 1

likely cause some market disruption that would cause rates for large- and small-group businesses to fluctuate.

“Probably the bigger disparity and the most drastic changes will be on the other end,” Schutzer said, referring to the businesses of 51 to 100 employees, “where you have a desirable industry with good demographics and their rates jumping up” when larger groups lose the ability to tailor their plans based on factors like demographics or industry.

But it’s hard to say what companies will see initial increases or decreases in rates because that will come down to what the business was paying before and which insurance carriers are involved.

Schutzer, who is also the president of the New York State Association of Health Underwriters, summed up the market merger like this: “It’s a one-time sticker shock, if you will, of going from a large group to a small group. And then going forward you’ll just be dealing with the year-to-year increases like every other group.”

The state small-business marketplace, called the Small Business Health Options Program, or SHOP, had 3,106 businesses with 50 or fewer employees enrolled, according to a Business Journal report in November.

Those businesses enrolled just under 9,800 employees statewide. New York officials have a goal of having 415,000 employees enrolled in SHOP by the end of 2016.

Businesses in the small-group market are

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April 13, 2015

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pay Coscia. Eljamal has an 8.67 percent interest in each of the companies.

The judge, however, denied Coscia’s request to be appointed receiver. Instead she named Tarrytown attorney John C. Guttridge to bring Eljamal’s interests in the companies to an end.

not required to offer health insurance to their employees. But companies with between 51 to 100 employees are still considered a large group under the employer mandate of the Patient Protection and Affordable Care Act and could still face a penalty fee if they don’t cover health insurance for 95 percent of their full-time employees.

Increasing the size of SHOP’s communityrated insurance pool with the addition of companies of up to 100 employees will probably have good long-term effects, Schutzer said, because “it’s going to spread the risk out, so it should drive down overall costs.”

However, there are six U.S. senators who are hoping to delay the January change, a move they say would mitigate a potentially “harmful and disruptive” impact on the new small-group market.

In a March 12 letter to Sylvia Mathews Burwell, the secretary of the U.S. Department of Health and Human Services, senators from Delaware, North Dakota, West Virginia, Maine, Indiana, Montana and Missouri urged her to postpone the change for two years.

The senators warned that without the delay, affected businesses “could experience higher premiums, less flexibility and new barriers to coverage,” adding that a postponement would allow the market to “more smoothly transition to the new rules.”

For New York, however, the proposal to delay the change would need to be decided sooner rather than later because the state Department of Financial Services expects insurance companies to file 2016 premium rates in May.

New Rochelle seeks more downtown pop with pop-ups

BY DANIELLE BRODY dbrody@westfairinc.com

N

ew Rochelle city officials hope adding pop-up shops to outdoor plazas will bring more energy into downtown and create a stronger retail presence.

The city’s Department of Development recently issued a request for proposals for individuals or groups to establish, manage and operate “New Ro’s Pops” — outdoor popup retail facilities. City officials said it is an effort to attract more people to downtown, activate underutilized spaces and make them more of a destination, building on Mayor Noam Bramson’s goals of revitalization and economic stimulation.

“It’s one of the sort of sparks that we’re trying to light to get that process going,” said Ayanna Wayner, the city’s deputy commissioner for economic development.

Two municipally owned spaces targeted as pop-up shop sites are Anderson Plaza, at the intersection of North Avenue and Anderson Street, and Memorial Plaza, at the corner of Main Street and Memorial Highway.

Ralph DiBart, executive director of the New Rochelle Downtown Business Improvement District, said that in conversations he had with city officials, they realized pop-ups would be a good addition to the downtown because it is already walkable.

“We have a very pedestrian-oriented downtown, and the more that we can invigorate street life the more it will help neighboring businesses,” he said.

The pop-up shops would operate in permanent kiosks in the plaza, similar to other open-air markets like Bryant Park and Union Square in Manhattan, according to Luiz Aragon, the city’s commissioner of development. He said the plan is for the shops to open by late spring or early summer.

The city’s RFP said the pop-ups could showcase arts ventures, business enterprises, entrepreneurs, gallerists and other vendors as part of a “dynamic downtown retail activation strategy.” The retail program aims to increase economic vitality, daytime and nighttime vibrancy and improve the downtown’s safety and economic health, according to the proposal.

“We felt having small concessions popping up on a semi-permanent or changing basis would just create some more street excitement and would provide some more goods and services to shoppers and workers in downtown,” DiBart said.

He pictured vendors selling crafts or Christmas decorations and restaurants offering pickup lunches. DiBart said the

flexibility afforded by pop-ups lends itself to creative ideas and trying different things. “It could be ice cream in the summer and hot chocolate in the winter,” he said.

Wayner said New Ro’s Pops offer an opportunity for businesses to test the market and publicize their concept, which could lead to permanent locations within the city.

The RFP calls for experienced individuals, teams, nonprofits or private firms that can transform the outdoor space and carry out the logistics, financials, management and promotion of the project. Some of the evaluation criteria for proposals are past TWB Trusa record of performance, creativity and proWCBJ posed schedule and cost.

7.375” w x 7.125” h The city’s deadline for proposals is April 2/24/15 30.

DiBart said the city asked the BID to

to increase activity in its downtown, is also considering a pop-up concept in an outdoor plaza. Village trustees at their April 8 meeting were scheduled to hear a resident’s proposal to create a pop-up restaurant in Market Square at the corner of Main and Spring streets. The proposal suggests creating a 40-seat theme restaurant and chef showcase under a tent called the Grill at Market Square and creating retail space with temporary structures.

Although the plan still is in its early stages, it could attract people to downtown, said Ossining Assistant Village Manager Christina Papes.

“It’s another way to generate excitement for the community so that people will want to come check it out, see what’s going on,” she said.

also review the proposals. “We hope to be surprised,” he said. “There’s a number of traditional expectations. We hope that there will be also some innovative uses that are proposed.”

DiBart said the pop-up shops present an opportunity to bring more people into New Rochelle. He said he saw a large increase in foot traffic when the BID started the farmers market in Library Plaza three years ago.

“Downtown should always be a celebration of community, and the more interesting activities, destinations and offerings a downtown has, the more we can attract people not only to visit, but to linger and stay and patronize business, restaurants and offices,” he said.

The village of Ossining, which too wants

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Pipeline criticism surges in weeks following approval

BY COLLEEN WILSON cwilson@westfairinc.com

L

awmakers, grassroots organizations, towns in multiple states and individuals have in the last few weeks called on a federal agency to reconsider its approval of a natural gas pipeline expansion project and are seeking a rehearing in order to halt construction and re-evaluate

legal and safety concerns.

The surge of criticism surfaced in the weeks following March 3, when the Federal Energy Regulatory Commission authorized Spectra Energy Partners LP, the company constructing the Algonquin Incremental Market Project, to move forward with its plan.

The $971.6 million project spans four states — New York, Connecticut, Rhode

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Island and Massachusetts — and looks to add 11.1 miles of pipeline and replace 26.3 miles of the mostly 26-inch diameter pipeline with 42-inch diameter pipes. The biggest chunk of the pipeline replacement is 20.1 miles through Putnam, Rockland and Westchester counties and Fairfield County in Connecticut.

Westchester County Legislator Peter B. Harckham and a coalition that includes property owners, activist groups and towns from the four affected states are among those who filed requests for a rehearing in early April.

U.S. Sens. Charles E. Schumer and Kirsten Gillibrand and U.S. Rep. Nita M. Lowey, all of New York, also penned a joint letter recently that is addressed to FERC Chairman Cheryl A. LaFleur urging her to heed their constituents’ requests for a rehearing.

The legislators specifically mentioned concerns about the pipeline running close to Indian Point Energy Center, a nuclear power plant in Buchanan, and asked that the federal agency assign an independent review of the safety issues raised.

Both the coalition and Harckham claimed the safety of construction near Indian Point was inadequately evaluated by the Nuclear Regulatory Commission and Entergy Corp., the company that owns and operates Indian Point.

In their submitted rehearing forms, Harkham and the coalition found issue with the veracity of many facts outlined

by FERC, in particular a conclusion by Entergy that “gas flow could be terminated in three minutes in the event of a rupture” of a 42-inch natural gas pipeline.

The safety analysis conducted by Entergy is not available to the public, according to company spokesman Jerry Nappi, who cited the document’s classification as “security sensitive” by the NRC but said Entergy’s independent expert concluded there would be no risk in safety

with the pipeline construction.

“The analysis that Entergy conducted assumed gas flow for close to six minutes,” he said, and Entergy found that “still resulted in the conclusion that there’s no increased risk to safety at the plant.”

In the final environmental impact statement, FERC said the NRC reviewed the “site hazards analysis” provided by Entergy and the NRC did an “independent confirmatory analysis of the blast analysis,” which found that “a breach and explosion of the proposed 42-inch-diameter natural gas pipeline would not adversely impact the safe operation of the (Indian Point) facility.”

Marylee Hanley, director of stakeholder outreach for Spectra, said the company has been operating the Algonquin pipeline for many years and is hopeful it will continue to do so and carry on with the construction.

She also said Spectra officials are “reviewing the requests for a rehearing and expect to file an answer to FERC demonstrating that FERC’s review process and authorization are consistent with regulations and court precedent.”

Susan Van Dolsen, a co-founder of the activist group Stop the Algonquin Pipeline Expansion, which is part of the coalition, said she wants an independent risk assessment performed because of the safety issues raised in the coalition’s rehearing request.

“I feel so strongly that it’s such a problem that I hope it will be remediated and they will do an independent review,” she said.

Van Dolsen said the coalition should hear back on the status of its request from FERC within 30 days. She said if it is not granted the rehearing, the coalition may consider going to court, but Spectra would be able to begin construction.

“At the end of the day, the story is really a safety issue” and less about the development of the pipeline, she said.

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WILMINGTON TRUST RENOWNED INSIGHT

“The biggest challenge for your business today? Tomorrow.”

Donald P. DiCarlo Jr., M.A., J.D., LL.M. (Tax) National Director of Business Advisory Services, Senior Wealth Strategist Don helps business owners develop and implement customized business succession strategies. He is part of a seasoned team of professionals who exemplify Wilmington Trust’s 112-year heritage of successfully advising business owners. Our goal is to help you create a plan for each stage of your business and your life, offering key insights at critical times of transition. To learn more about our collaborative and creative approach to managing wealth, contact Don or Larry Gore at 212-415-0547.

Transitioning ownership of your business will undoubtedly be one of the most significant events of your life. And one you may not be prepared to even think about right now. However, with careful planning at each stage, you’ll be ready for what’s ahead – and confident that you’ll preserve everything you’ve worked so hard to build.

Growing your business. Your banker and insurance specialist will help determine which deposit, lending, cash management, and insurance solutions will best fuel the growth of your business. You’ll also want to ensure your will and other estate planning documents are in order, and that you’re taking advantage of tax-minimization strategies.

Transitioning business capital to personal capital. As your business evolves, you may consider selling or transitioning to your son or daughter, or someone outside the family. We can help you explore exit strategies, secure the right buyer, and value your business. We’ll also help you determine how and where to invest your wealth, and how to manage your liquidity and cash flow needs.

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This article is for informational purposes only and is not intended as an offer or solicitation for the sale of any financial product or service. This article is not designed or intended to provide financial, tax, legal, accounting, or other professional advice since such advice always requires consideration of individual circumstances. If professional advice is needed, the services of your professional advisor should be sought.

Investments: • Are NOT FDIC-Insured • Have NO Bank Guarantee • May Lose Value Wilmington Trust is a registered service mark. Wilmington Trust Corporation is a wholly owned subsidiary of M&T Bank Corporation (M&T). Investment management and fiduciary services are provided by Wilmington Trust Company, operating in Delaware only, and Wilmington Trust, N.A., a national bank. Loans, retail and business deposits, and other personal and business banking services and products are offered by M&T Bank, member FDIC. ©2015 Wilmington Trust Corporation and its affiliates. All rights reserved.

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April 13, 2015

9

BY STACEY COHEN

The future of strategic communications

T

oday’s rapidly changing communications landscape requires that marketing communications professionals be strategic, creative, collaborative and nimble to stay on the cutting edge. Last month, Business Wire and CommPro.biz hosted a roundtable discussion at Business Wire’s midtown Manhattan office on the topic of innovation in the communications industry featuring seven industry CEOs. I was delighted to participate with esteemed communication colleagues Barri Rafferty, CEO, Ketchum, North America; Jennefer Witter, CEO, The Boreland Group; Patrice Tanaka, co-founder, chief counselor and creative strategist, PadillaCRT; Sabrina Horn, CEO, Horn Group; and Sandra Fathi, president and founder, Affect. The roundta-

ble was moderated by Cathy Baron Tamraz, chairwoman and CEO, Business Wire, and cohosted by Fay Shapiro, president, CommPro. biz. A lively discussion ensued, with several takeaways: Innovation in the workplace To instill a spirit of innovation in the workplace, a supportive environment free of fear is a necessity. A culture of innovation must embrace the possibility of failure.

Further, innovation should be a companywide responsibility, not an undertaking delegated to just a few. Ideation or brainstorming meetings should be established on a regular basis, and all team members should be invited to share new ideas. Encourage curiosity and risk taking, and develop ways to recognize and reward innovation.

Mentoring translates to success Mentoring is key to nurturing tomorrow’s leaders: A robust learning environment can continually improve performance and the bottom line.

Junior staff members should adopt more than one mentor, diverse in both gender and skill set. In fact, junior staff should consider seeking out a personal “board of directors” who possess a range of competencies and varying points of view. Senior professionals also need to recognize the importance of reverse mentoring: Junior staff often bring a fresh point of view and are attuned to new media channels and trends.

Mentoring is especially important for women — even though we’ve made great strides, many of the roundtable participants

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noted obstacles women face entering the C-suite. Indeed, while there is an increasing female presence in the marketing and communications C-suite, many women opt to find success by establishing an independent firm. To right this, women can exert confidence, take on more risks, be direct about their needs and support each other.

The importance of collaboration It’s paramount to build a shared sense of purpose. Empower employees and let them engage in strategy. Have high expectations, and demonstrate confidence in their ability.

Allowing employees to own their jobs will yield better creativity, products and morale.

One method is to share a project’s anticipated outcome, not just the work behind it.

Consider starting questions with “How can we … .”

Skill sets and characteristics needed to succeed Strategic thinking, passion, creativity, resourcefulness, digital savvy, adaptability and resilience are just a few of the traits necessary for success in communications. The growing complexity of the industry requires talent to be both right- and left-brained. With metrics playing an increasingly important role, one must be adept at tracking awareness, engagement and conversion — and also able to make changes in real-time to drive better business. We also need to tell stories across several platforms: press releases, photos, blogs and social media.

The future of the industry The lines are more blurred than ever between marketing, communications and public relations. It has become essential to reach the target audience on their terms through the right channels. And there is a focus on deeper data analysis and measurement solutions to demonstrate the impact and effectiveness of communications programs. Instead of solely considering return on investment, there is now a need to provide return on engagement. Measuring the impact of a campaign is now at the top of every communications pro’s list.

The convergence of media — paid, earned, shared and owned — clearly requires new strategies, tools and skills. But as long as one generation continues to mentor and learn from the next, the leaders of tomorrow will have no difficulty innovating. The basics of strategic communications never change, but advancements in technology will always shape how an audience is reached, and how that reach is measured.

Stacey Cohen is president and CEO of Co-Communications Inc. in Mount Kisco. She can be reached by email at stacey@cocommunications.com or by phone at 914-666-0066.

Chefs bring comfort food to Hartsdale D’Angelo, who has since opened Spigolo and cooked for The Gilroy, restaurants on Manhattan’s Upper East Side, lives up the block from Copper Kettle at 201 E. Hartsdale Ave. He said he had wanted to open a restaurant closer to his home in Hartsdale, where he has lived for six years. When the previous tenant, Juice & Java, closed about a year Chef and owner Joseph D’Angelo, right, stands at the bar with a guest. and a half ago, he signed the lease days after, he

BY DANIELLE BRODY said.

The vacant space gave D’Angelo an dbrody@westfairinc.com opportunity to offer a different cuisine to oseph D’Angelo and Gino Gabriel worked the neighborhood, he said. The restaurant together more than 10 years ago as the is adjacent to a pizzeria and shares the block first chefs in Mario Batali’s Manhattan sea- with Mexican, Mediterranean, Chinese, food restaurant, Esca. After pursuing their Italian and steak restaurants.

“We definitely think that the neighborown culinary ventures, the friends recently reconvened to open Copper Kettle Cafe, a hood’s lacking a little bit,” D’Angelo said. restaurant serving locally sourced comfort “We’re hoping to bring something new to the area.” food in Hartsdale.

J

The menu includes comfort food for lunch and dinner like macaroni and cheese, pork flatbreads and braised short ribs. The dips, dishes, desserts and other plates range from $7 to $18.

Since taking over the lease, D’Angelo said he had to renovate the space, add a new gas line and change the plumbing. The restaurant, which has seating at wooden tables and at the bar, opened April 6.

The American regional cuisine at Copper Kettle is the type of food that D’Angelo and Gabriel, the operating chef, grew up eating, D’Angelo said. He said they are starting small with the cafe to see how it goes and hope to expand in the future.

Copper Kettle Cafe serves dinner and has plans to serve lunch soon. The restaurant is BYOB until it gets a liquor license in five to six weeks.

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April 13, 2015

11

BY STEVEN V. CRABBE

The small-business owner’s retirement dilemma

Y

ou’ve poured a lifetime of sweat, time and capital into building your business. You’ve begun thinking about retirement and your strategy is to sell your company for a good price, settle back and enjoy a financially secure retirement.

But, like many business owners, you’ve made the mistake of assuming this scenario will happen and you haven’t bothered to make any other retirement plans.

You need to be realistic.

What are the odds of a person showing up at the right time with cash in hand to buy the company for a fair price? For thousands of small-business owners each year, no one steps forward. Perhaps the business is too specialized or is tied too closely to the owner’s unique personality and skills.

Or maybe possible buyers equate retirement sale with a distress sale and make only low-ball offers. Whatever the reason, many owners find that their company has suddenly become a white elephant that nobody wants.

That’s why it’s so important to prime

a replacement — someone who will buy your company when you’re ready to retire.

Maybe this is a current co-owner (but be careful if he or she is about the same age as you and planning to retire around the same time), or it’s your son or daughter active in the business or a younger key employee.

Business owners who successfully groom their own replacements leave nothing to chance. They realize there’s no room for error at the point of retirement.

Here are some steps you should take: • Be cautious. Make sure your heir apparent is the right person in terms of temperament, personality, competence and personal goals.

• Set up a probation period so you can terminate the relationship if you �ind the selected person will not work out. During that period, keep everything informal — strictly verbal. Even when you go to a formal agreement, make sure it contains a termination provision.

• Offer incentives to ensure your replacement stays until the baton is

The Bristal Assisted Living

|

passed. An ambitious successor needs and deserves gradually increasing authority and benefits. Options include deferred compensation or the opportunity to acquire partial ownership prior to your retirement.

This provides both parties with something to win by sticking to the agreement and something to lose if it falls apart.

• Create a buy-sell agreement. With the help of your attorney, lock in who does and gets what, spelling out all details and caveats, including how to establish the final valuation of the business. This formal agreement protects everybody.

• Build in a funding mechanism. This is crucial. No matter how good the terms of the buy-sell agreement, it will be worthless if the money is not there when needed to carry out the plan. Under one option, the successor may be able to purchase the company from ongoing profits. Other options include setting up a sinking fund or allowing the successor to simply borrow the money. These options may work but they leave much to chance. Instead, consider a

funding vehicle that protects your family in the event of your disability or premature death, such as life and disability income insurance.

• Have a Plan B. As a business owner, you know that very few things go exactly as planned. What if your business hits tough times or your successor dies, becomes disabled or leaves because of a personality conflict? Or what if there simply is no heir apparent waiting in the wings? Sometimes, it’s simply best to dismantle the business.

Whether or not you have a possible successor for your company, you should begin mapping out your retirement strategy today. Your insurance professional or your independent professional advisers can work with you to help you develop a sound business strategy.

This educational third-party article is provided as a courtesy of Steven Crabbe, New York Life Insurance Co. To learn more about the information or topics discussed, call Crabbe at 914-253-7253.

W h e r e E v e r y D a y M e a n s M o r e TM

I am living a new chapter in my LifeStory

Barbara, Resident of The Bristal

“Volunteering in my community has always been a priority for me, I was chairwoman of a fundraising committee for our local hospital. Once my kids were grown, I got very involved in travel and that took a front seat in my life. I was free to take every ‘fam trip’ I could at the travel agency where I worked for many years.

My favorite trips were to Africa and Egypt… totally mind-boggling!

I still book vacations for close friends and family. Keeps my mind going. Now I have great new friends at The Bristal and we dine, debate and laugh a lot at meals. I’m the youngster at the table at 86 and my friends are sharp and active like I am. Life is still fun and fulfilling at The Bristal.”

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

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April 13, 2015

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ASK ANDI

BY ANDI GRAY

When to hire and when to pay off debts I want to hire, but I get push-back because of cost. We do have a lot of outstanding bills to pay.

We can’t hire until our debts are paid, but we should hire where we’re weak so we can get to the next level. Can we get enough of a return if we look at hiring as an investment?

THOUGHTS OF THE DAY: Today’s businesses are highly dependent on people. Know which areas will get you a payoff and where to make do until there’s more profit to work with.

Think about reorganizing the company’s financials to free up funds. Make sure you have a realistic plan to work with.

The majority of companies today are service companies rather than manufacturing companies. That means that hiring people can be directly tied to expansion. If you take on more work, you need more people to do the work. If you don’t hire ahead of need, you end up with untrained people making mistakes and costing the company profits. Mass hiring isn’t going to solve the problem. Some departments may need help. Some can wait.

Collections help won’t be needed until you’re well into your busy season. Try to eliminate some of the collections demands by asking sales and project managers to complete paperwork accurately along the way.

Eliminate the need for collections later on.

Ask someone to send out invoices to clients as soon as work is completed and call to confirm receipt and payment date.

Are you getting enough sales? Would another salesperson help generate more sales more quickly? What’s the ramp-up time from hiring to generating new business? Focus on quick-payoff hiring in sales, where you can cut the lead time by adding someone with existing contacts and by focusing on sales with short lead times. Do you need to invest in marketing to support lead generation? That can be farmed out, usually for less.

Pay attention to your operations staff. Can they handle the present workload efficiently?

What about when things pick up? Increase productivity by investing in training when things are slow. Look for opportunities to

automate with low-cost systems.

Buy your company time to recover by looking at repositioning your existing debt. Is your credit line big enough? Consider terming out the credit line into longer-term loans, giving the company more time to pay it down.

Long term, build up savings and consider investing in a building to house the business.

Real estate can be a great asset, especially for a service-based company. Banks will be more willing to work with you if there are assets they can touch.

Paying off debt can be tricky. It can also be tricky trying to increase sales and generate enough profit to pay the bills. Keep in mind that as sales increase, cash flow usually dries up. You spend money to pay for the work that has to be done before you get around to collecting payments from clients.

Know how much work your company can afford to take on, and try to cap the amount of work you agree to do in your busiest months.

More strain on the system will most likely result in less profit. Give customers incentives to work with you in quiet periods, and look for additional business activities that are in demand in your weakest months.

Make sure promises to hand out raises and bonuses are linked to growth in profits.

As the job market tightens, people are going to be looking around, and you don’t want to lose good people. But you also can’t make the problem worse by spending money you don’t have.

The solution about getting through lean times comes from bits and pieces. No silver bullets. Having a plan and being able to see if that plan is working will help. Try using a budget to pay out how you think things will go. If you don’t like what the budget is saying, fix it now before you get into the headaches for real.

Looking for a good book? Try “Budgeting: Setting up a Budget and Making It Work” by Leonard Campbell.

Andi Gray is president of Strategy Leaders Inc., strategyleaders.com, a business-consulting firm that specializes in helping entrepreneurial firms grow. She can be reached by phone at 877-238-3535.

Do you have a question for Andi? Send it via email to AskAndi@strategyleaders. Visit AskAndi.com for an entire library of Ask Andi articles.

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April 13, 2015

13

BY ALAN ZIMMERMAN

Building a killer sales attitude when you feel like quitting

L

ife in sales isn’t fair. You know that.

Some salespeople have more than their share of difficulties, and some salespeople get more breaks than they deserve.

What fascinates me is how salespeople respond to their difficulties. Some of them use their difficulties as an excuse for their lack of achievement, while others use their difficulties as the motivation for their success.

I remember one set of identical twins that were raised by an alcoholic father.

At age 14, the twins were sent to separate foster homes, not to be reunited for some 30 years.

When they were brought together at age 44, they were interviewed on a TV talk show. One of the twins had become

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April 13, 2015

WCBJ | HV Biz

an alcoholic like his father, while the other one had become a teetotaler. When the TV host asked them why they turned out the way they did, they both gave the same answer. Each of them said, “What do you expect? How could I turn out any differently considering the father I had?”

Simply put, it wasn’t so much their difficulty that made the difference in their lives. It was their response to the difficulty that made them a winner or a loser.

The same is true in your career. Your attitude determines your altitude. Good sales attitudes tend to bring good sales results, and bad sales attitudes tend to bring bad sales results. In fact, your attitude will defeat you faster than any problem you’ll ever have or any competition you’ll ever encounter.

So how do you develop a killer sales attitude? An attitude that will get you back up when you get knocked down by objections, price comparisons, unethical tactics and a host of other things? You need to do four things.

1. Stop catastrophizing.

The more you fret about your lack of sales, about not meeting your sales quota or whatever you fret about, the less energy you’ll have to work your way out of the slump. You’ll even lose your ability to think clearly and strategically.

So catch yourself thinking or uttering negative self-judgments. They’ll destroy your confidence, and left unchecked, they’ll destroy your sales career. So catch yourself when you begin to think such

things as “I’ll never get ahead,” “I wasn’t cut out for this kind of job,” “I’m no good at prospecting” or “I don’t know how to close a sale.” They will never serve you well.

And then stop yourself from the continued use of the negative self-judgments. Tell yourself, “cancel, cancel” when a negative thought comes to mind. Or talk yourself back, firmly and repetitively, saying, “Now stop it. Just stop it.” By doing so, you take control of your mind rather than letting it control you. You’ve taken the first step in building a killer sales attitude.

2. Stay calm.

When you think of Thomas Edison, you think of such words as inventor, genius and entrepreneur. You probably don’t think of him as a salesman. But indeed he was. If he couldn’t sell his ideas, he never would have gotten any money from the banks to finance his projects. And if he couldn’t sell his inventions to the public, he would have soon been out of business.

One of the secrets to his sales success was the killer attitude of calmness. When his 10-year project to build a storage battery was destroyed in a fire, he didn’t panic. He yelled to his son, “Go get your mother. Tell her to hurry up and bring her friends. They’ll never see a fire like this again.”

The next morning, Edison called all of his employees together and made an incredible statement. He said, “We’re rebuilding.” He told one man to lease all the machine shops in the area. He told another one to get a wrecking crane. Then, as an afterthought, he asked, “Oh, by the way, anybody here know where we can get some money?”

Edison stayed calm. I’m sure he had some feelings of disappointment and discouragement. That seems fairly normal.

But he didn’t let his feelings take over. He

did what needed to be done. He stayed calm.

What about you? When you encounter some sales problems, do you panic? Do you talk incessantly about how bad things are? Or do you stay calm?

You’ve got to stay calm, because your mind cannot function at its peak when it’s all agitated. Your mind can’t think of new and better ways of selling if it’s tied up in knots. So stay calm.

Of course that may sound easier said than done. But there’s a trick to it. Attitudes and feelings always follow behavior. So if you act calm, even if you don’t feel calm, you will eventually be calm, with a stronger and more positive attitude.

3. Keep practicing your sales skills.

Competence and confidence go hand in hand. If you’re really good at what you do, you’re bound to feel more confident.

So simply put, if you keep practicing your sales skills, you’re going to be more competent and you’re going to get a killer sales attitude.

Unfortunately, there are two times when a salesperson stops practicing the basics in sales — when things are going poorly and when things are going well.

When things are going poorly in sales, when a salesperson gets knocked down and feels like quitting, chances are he has stopped practicing the basics in sales. He’s taken some shortcuts that are hurting him.

Just as commonly, a salesperson might reach a new high in her career, and she does the same stupid thing. She thinks she’s so good that she can stop practicing the basics in sales. And then she hits bottom, gets a negative attitude and wonders what happened.

You’ve got to keep practicing to maintain a killer sales attitude and move toward higher levels of success. Long ago professional basketball star Bob Pettit proved that. Even though he became one of the highest-scoring players in the sport, it wasn’t that way in the beginning.

As a freshman in high school, Pettit was weak, frail and uncoordinated. All he had going for himself was the determination to practice until he became a quality athlete.

Pettit began with a wire coat hanger that he bent into the shape of a basketball hoop. Hour after hour, day after day, he threw tennis balls through his makeshift basket. Eventually his father got him a real basketball and hoop.

Pettit would throw baskets after school every day, go to dinner, and then go back to practice. It wasn’t long before he became the star of his church team, then his high school team, college team and finally a

professional team.

It’s the same for you and me. There are few shortcuts on the road to sales success. We all have to practice first and then keep on practicing. It’s no wonder that the most talented sports figures, singers, dancers, movie stars, speakers and salespeople have coaches to refine their craft.

So let’s get personal for a moment.

What are you doing on a regular basis to keep on practicing and refining your sales skills? If the answer is “not much,” then don’t expect too much in the way of sales results.

4. Hang in there.

It’s natural to feel disappointed and discouraged when things aren’t going well in sales. It’s natural to get a bit negative during those times. But it’s not helpful, because if you lose your positive attitude, you will lose everything — including the chance to turn things around.

You’ve got to keep on keeping on. You can’t quit just because it’s too hard to keep going. And you shouldn’t quit just because you don’t feel like keeping on.

Be careful of putting too much stock in your feelings. Feelings are a useful piece of data in any decision you make, but they should not have the final say in doing what you know you should be doing. Your feelings get a voice, but they don’t get a veto.

That’s how Muhammad Ali became great. He even said, “I hated every minute of the training, but I said, ‘Don’t quit.

Suffer now and live the rest of your life as a champion.’”

Concluding thought The most successful salespeople keep on working when they feel like walking.

They keep on building when they feel like bailing. They refuse to let their feelings take over. They just keep on doing what needs to be done when the tough times come.

Take a look at the Olympics. You can’t help but notice one outstanding characteristic of the gold medalists. Very few of them were “natural-born” athletes. But almost all of them had a killer attitude.

If and when you ever feel like walking away from your sales career, just remember you don’t have to. You can turn it around with these four keys to a killer sales attitude.

Alan Zimmerman is an author and speaker whose work focuses on communication, motivation, leadership and teamwork in business. To learn more about his work, visit DrZimmerman.com.

Insurance seminars for employer groups and/or individuals sponsored

by Liberty Mutual.

Here are three complimentary educational seminars being hosted locally.

Home Insurance 101—Join Cheukping Shiu on April 23, 2015 at 5:30-6:30 RSVP by 4/16/15. Contact Cheukping at cheukping.shiu@libertymutual.com, or 877-219-1021 xt. 50503 Life Insurance and Fixed Annuities 101—Join Daniel Ferrara on May 23 at 10:00-11:00 a.m. RSVP by 5/8/2015. Contact Daniel at dan.ferrara@libertymutual.com, or 877-219-1021 xt. 52819 Home Insurance 101—Join Samuel Furrufino on June 11, 2015 at 5:30-6:30 RSVP by 5/8/15. Contact Samuel at samuel.ferrufino@libertymutual.com, or 877-219-1021 xt. 52523

All seminars will take place at the local Liberty Mutual sales office: 145 Huguenot St., Suite 310 New Rochelle, NY 10801

Coverage provided and underwritten by Liberty Mutual Insurance and its affiliates, 175 Berkeley Street, Boston, MA 02116. ©2015 Liberty Mutual Insurance PER 20350 2015/03

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s big retail companies selling herbal supplements have become the focus of an investigation by New York Attorney General Eric T. Schneiderman, small businesses and pharmacies have seen little change in their business.

In early February, Schneiderman announced his office had sent four ceaseand-desist orders to major retailers GNC, Walmart, Target and Walgreens asking them to stop selling products from certain supplement companies after finding that the ingredients in some products did not match up with labels.

Pennsylvania-based GNC and Schneiderman’s office announced on March 30 that they had reached an agreement to reforms including using a better process to authenticate ingredients, implementing testing for common allergens, creating more transparency on the herbs or extracts used in products and providing semiannual reports to Schneiderman’s office.

The agreement will apply to GNC’s 6,000 stores.

A pharmacist at Saxon Chemists Inc. in White Plains said the pharmacy doesn’t

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have a high demand in customers looking for herbal supplement products.

“One person, maybe, once in a blue moon they will ask for herbal supplements,” said Dhara Modi, a pharmacist at Saxon.

And that seemed to be the case for other small pharmacies in Fairfield County, Conn., as well.

“We don’t do much with herbal medicine to be honest with you,” an owner at Southport-based Switzer’s Pharmacy said.

“I know New York was having some problems with it,” said Ed Karvosky, owner of Bissell Pharmacy in Ridgefield. “But it hasn’t affected us.”

In the agreement with GNC, Schneiderman’s office conceded that the retailer’s products were within the parameters set by the U.S. Food and Drug Administration. The sufficiency of the FDA’s rules, however, is the basis for a 14-member attorneys general coalition Schneiderman and Indiana’s attorney general formed, a group that includes Connecticut Attorney General George Jepsen.

In an April 2 letter to Congress, the group urged legislators to “launch a comprehensive congressional inquiry into the herbal supplements industry, and to weigh a more robust oversight role for the Food and Drug Administration.”

SURVEY: BOOMERS, MILLENNIALS AT ODDS ON HOUSING

ACCELERATORS, INCUBATORS CAN WIN $50K

NY RANKS NEAR TOP IN FINANCIAL LITERACY

Business accelerators are invited to compete for prizes of $50,000 from the U.S. Small Business Administration.

Maria Contreras-Sweet, head of the SBA, announced the launch of the agency’s second annual Accelerator Growth Fund competition, which awards prizes from a pool of funding totaling $4 million.

The program is designed for accelerators, incubators, co-working startup communities and other entrepreneurial ecosystem models. The SBA said priority is given to organizations that support or are headed by women or other underrepresented groups, are in areas with fewer conventional sources of capital or that have a focus on manufacturing. The agency will accept applications from April 10 through June 1.

Thirty-two percent of last year’s accelerator winners were run by women and 14 percent were classified as underrepresented groups.

“We know that accelerators provide valuable resources to potential startups: a physical infrastructure to work in their infancy, mentoring, business-plan assistance, networking, opportunities to obtain venture capital, and introductions to potential customers, partners and suppliers — all critical elements to ensuring that small businesses flourish and succeed,” Contreras-Sweet said.

Winners will be announced on Aug.24.

Additional information about the program is available at sba.gov/accelerators. For questions, comments or an application, contact accelerators@sba.gov.

Wallet Hub, an online consumer finance resource, recently published its 2015 study on the most and least financially literate states in the U.S., ranking New York in the top 15 overall.

The study used 11 different categories that measured planning, habits, education and knowledge about finance, with respect to

ORANGE COUNTY TRUST BRANDS NEW REGIONAL OFFICES Orange County Trust Co. recently announced it is branding its newest offices in Westchester and Rockland counties as Orange Bank and Trust Co., a division of Orange County Trust Co. Headquartered in Middletown, the bank in February opened business offices at 50 Main St. in White Plains and at 49 Maple Ave. in New City. Pending regulatory approval, it plans to open full-service branches at those locations later this year.

Announcing the banking brand, Orange County Trust CEO Michael Gilfeather said, “As we broaden our bank’s footprint into other competitive regions, our goal is to have a name that reflects our century-long reputation in banking excellence, without geographic limitation. Our board of directors felt the new name Orange Bank and Trust Co. does just that.”

The White Plains and New City busi-

varying state factors like average credit score or the number of bankruptcies per capita.

New York ranked 11th overall and neighboring Connecticut placed 29th out of the 50 states and the District of Columbia.

New York had the No. 2 ranking for the percentage of people with a rainy day fund — or money saved for when regular income is disrupted — behind only Arizona.

Wallet Hub also said in a statement that $133 billion in new credit card debt has accumulated nationwide since 2012, and that only two in five adults budget their money.

— Bill Fallon, Danielle Brody, John Golden and Colleen Wilson

PCSB Customer George Apap Owner George Apap Painting

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As millennials increasingly relocate for jobs and continue to gain clout in the housing market, they are seeking amenities and locations that differ from those sought by baby boomers, according to a national survey of real estate brokers conducted by Cartus Corp., the Danbury-based provider of global relocation services.

The Cartus Millennial vs. Boomer Real Estate Survey received 209 respondents nationwide.

The survey found 71 percent of real estate brokers expect to see an increase in the number of younger transferees moving into their markets for jobs.

“The millennial vs. boomer survey provides a fascinating look into the implications of an up-and-coming generation as it gains prominence in the housing market as first-time homebuyers with needs distinctly different from baby boomers,” said Gerry Pearce, executive vice president for broker and affinity services for Cartus, in a statement.

According to the survey, millennials (45 percent) are five times more likely to want a home that’s equipped with “smart home technology” than are their boomer counterparts, at 8 percent. When it comes to fitness, millennials (16 percent) are twice as likely to want a home with a specific fitness room, compared with boomers (7 percent).

The top three features millennials seek in their next home are an upgraded kitchen, smart home technology and a home that’s ecologically friendly, according to the results.

Baby boomers (79 percent) are more interested in purchasing a home with a master bedroom on the first floor, versus 9 percent of millennials who consider it a must-have.

When it comes to location, both millennials and boomers are interested in homes closer to town and that are newer construction. But the survey said that is where the similarities end, with boomers (22 percent) looking for homes with accommodations for extended family, while millennials are less inclined toward that detail, at 8 percent.

Real estate brokers are fairly optimistic about the number of boomers and millennials that will move into their markets this year as a result of job transfers: 45 percent said they believe relocation volume would be greater in 2015 than last year. Additionally, both boomers and millennials are more likely to purchase than rent, according to brokers.

ness offices are led by Orange County Trust Co. regional presidents Joseph A. Ruhl and John P. Bartolotta, respectively. The offices are open from 8:30 a.m. to 5 p.m. weekdays.

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April 13, 2015

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INBRIEF NORTHEAST GROUP BROKERS WESTCHESTER SALES Brokers at Northeast Private Client Group represented sellers of four multifamily and mixed-use buildings in Westchester County in first-quarter deals totaling $12 million, the Bridgeport-based firm announced.

Edward Jordan, the investment sales firm’s managing director, and Steven Dambrosio of Northeast’s White Plains office, exclusively represented the sellers and sourced the buyers of properties in Yonkers, Mount Vernon and New Rochelle.

In Yonkers, Jam 3 Property LLC of Bedford in late March closed on its sale of 106 Locust Hill Ave., a 42-unit apartment building, to an undisclosed Yonkers investor for $4.55 million.

Jordan and Dambrosio also represented Trion Real Estate Management of Yonkers in two Mount Vernon property sales that closed in January and March.

An unnamed Bronx-based investor paid $3.15 million for 6 E. Sidney Ave., a 27,000-square-foot building with six stores and 24 apartments. Trion also sold 5 W. 4th

St in Mount Vernon, a 34,000-square foot property with three stores and 36 apartments, to a Bronx-based investor for $3.2 million.

In New Rochelle, the Northeast Private Client Group brokers represented a private investor in Westchester in the $850,000 sale of 259 Webster Ave., a nine-unit multifamily building, to another private investor in the county.

Jordan in the announcement said the brokers leveraged the firm’s multistate platform “to create competition and source the most qualified buyers for each of these assets.”

Dambrosio noted that multifamily and mixed-use assets in Westchester “are trading at record pricing.”

Founded in 2010 by Jordan, Northeast Private Client Group serves real estate investors and specializes in representing owners of income-producing properties in New York, Connecticut and Massachusetts.

EQUESTRIAN PROPERTY SELLS FOR $3.15M A $3.15 million equestrian estate in Dutchess County recently sold in an auction to Mount Kisco-based commercial real estate firm Diamond Properties.

Auction firm Sheldon Good & Co. announced the sale of the 247-acre estate in Pawling. The Feb. 25 auction attracted about 2,100 inquiries, according to Sheldon Good.

“There have already been substantial improvements made on the estate, and we plan to apply our expertise to create a firstclass equestrian facility,” James Diamond, president of Diamond Properties, said in a press release.

The Hudson Valley property features indoor riding arenas, trails, an outdoor event field, a clubhouse, guest cottages, a helicopter pad and a wind turbine that generates power for the property.

MEN SENTENCED IN FRAUD SCHEME Two men were sentenced by a Westchester County Supreme Court judge on April 2 for stealing more than $850,000 in an identity theft scheme.

Tyrone “Reece” Lee, 28, and Anthony “Sug” Davis, 28, both from the Bronx, were aided by bank tellers who provided the two with customers’ personal information, which allowed Lee and Davis to create fake identities and forge checks in order to withdraw money. They stole from banks in Westchester County, New York City, Long

Island, Connecticut and Massachusetts, including Bank of America, JPMorgan Chase, HSBC, TD Bank and Wachovia, from July 2010 to June 2014.

Then men pleaded guilty to the combined 39 counts against them. Lee, who was considered the ringleader, according to the New York Attorney General Eric T. Schneiderman’s office, was sentenced to four-and-a-half to nine years in state prison.

Davis, who forged the documents, was sentenced to two to six years in state prison.

Davis is serving a 10-year sentence in federal prison for a different fraud case.

The three bank tellers involved in the scheme have also pleaded guilty.

FORMER POLICE BARRACKS LEVELED FOR TZB WORK The former New York State Police Troop T barracks in Tarrytown was set to be demolished last week to make way for construction of the Tappan Zee Bridge replacement.

The bridge’s operation and maintenance team and the state police had been housed at the facility, at 333 S. Broadway, since the bridge was built in the 1950s. Demolition will make room for a construction staging area and eventually for the approaches to the new bridge.

McCarthy Fingar, LLP Acquires New Corporate Real Estate Partner.

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cCarthy Fingar, LLP, one of the Hudson Valley’s most distinguished law firms, is pleased to announce that attorney Douglas S. Trokie has joined the firm as a partner. Doug has been representing individuals and companies of all sizes for more than 30 years in a broad range of commercial, corporate, and real estate matters, both in the New York region and internationally.

His practice focuses on advising and representing business entities in regard to their

transactional and litigation needs, providing practical and reasonable advice and solutions in an efficient and effective manner.

Now in its 70th year of practice, McCarthy Fingar continues to demonstrate its ability to grow and accomplish strategic acquisitions.

McCarthy Fingar counsels clients in a wide range of matters, including financial, banking, manufacturing, real estate development and lending, litigation, taxation, trusts and estates, private equity capital, intellectual property, family and collaborative law, mediation, and its recently acquired land use and 11 Martine Avenue 12th Floor municipal law practice.

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April 13, 2015

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The bridge team and state police are temporarily using a 42,000-square-foot former newspaper printing plant warehouse in Clarkstown.

The new address, 160 N. Route 303, will be the police and bridge team’s home until they move to permanent Tarrytown facilities set to open in 2018.

NONPROFIT TO REIMBURSE MEDICAID IN SETTLEMENT Keli House Community Services Inc. will reimburse the Medicaid program more than $300,000 for using unqualified staff to provide services to its developmentally disabled Medicaid recipients, New York Attorney General Eric T. Schneiderman announced recently.

The Fishkill-based nonprofit’s services include service coordination, which assesses the needs of Medicaid recipients with developmental disabilities and connects them to programs designed to prevent their institutionalization. Those providing services to individuals under the program are required by law to meet certain educational and experience requirements. During a three and a half year period ending in November 2009, nine Keli House staff members with either no experience or with degrees in unrelated fields provided service coordination, Schneiderman’s office said.

“Service providers that employ inexperienced staff deprive New Yorkers of the expertise needed to navigate and maximize all opportunities,” Schneiderman said in a statement. “We will crack down on anyone who shortchanges not only the most vulnerable members of our community but also our Medicaid program.”

Keli House will reimburse the Medicaid program $363,643, which was the amount paid to the nonprofit for services provided by unqualified employees.

MEDICAL GROUPS OFFER 3-D BREAST IMAGING Two of Westchester’s largest medical groups announced they will offer 3-D mammography technology for breast cancer screenings.

Westmed Medical Group will use the Hologic 3D machine in its Rye location and Mount Kisco Medical Group will use the GE SenoClaire Tomosynthesis system. According to both group practices, the new systems take sharper images of the breast compared with 2-D machines, provide patient comfort and emit low doses of radiation.

“I have specialized in breast imaging since 1995, and this is the biggest technological advance in mammography during my career,” Westmed radiologist Rand Stack said in a statement. “We believe

Hologic 3D mammography is especially valuable for women receiving a baseline screening who have dense breast tissue and women with a personal history of breast cancer.”

Stack said he was involved in a study that compared 3-D imaging with traditional methods, and said the new Hologic technology is superior in quality.

“For five years, I have looked forward to the day when I could bring this new technology to my patients,” he said.

Statistics indicate that one in eight women will develop breast cancer sometime in her lifetime, according to a Westmed press release. If detected early, the five-year survival rate is 98 percent.

“We are pleased to be working with GE Healthcare to provide women with the most precise screening tool available to help detect breast cancer,” John Basile, administrative director of radiology at Mount Kisco Medical Group, said in a statement.

ment and risk management.

Renck is a certified Joint Commission professional. She also holds certification in just culture; master training certification in Team STEPPS, educational programs that enhance communication, teamwork and patterns of behaviors that impact patient safety; and a certificate in patient safety from Harvard University. She obtained her Bachelor of Science degree in nursing from The College of New Rochelle and a Master

of Science degree in nursing from Pace University.

“Quality and safety are top priorities for Phelps and the development of this role will support the mission and vision of our organization,” Mary McDermott, senior vice president for patient care services and chief nursing officer, said in a statement.

— John Golden, Colleen Wilson and Danielle Brody

OSSINING APPOINTS VILLAGE MANAGER The village of Ossining appointed Abraham Zambrano as village manager effective May 27, the village announced on April 7.

Zambrano will take over for Richard Leins, who served the village for more than a decade and retired after a six-year tenure in the position.

As the village’s chief executive and administrative officer, Zambrano will be responsible for the daily operations of the village and its departments, including oversight of 171 full-time employees.

“We look forward to Abe’s leadership in furthering our goals of improving communication, government efficiency and a vibrant economy,” Victoria Gearity, mayor of the village, said in a statement. “The first three months of 2015 have been very productive and exciting for this board. But no single decision will have as great an impact on our local government as the selection of Abe Zambrano to be our next village manager.”

Zambrano was formerly the village manager of Croton-on-Hudson, a position he held since January 2008. Prior to being appointed to that position, Zambrano served as Croton’s village treasurer/deputy manager and also previously worked for Ossining as well as the villages of Briarcliff Manor and Sleepy Hollow.

PHELPS HOSPITAL HIRES PATIENT SAFETY OFFICER In the newly created position, Renck has oversight of ancillary clinical services and the hospital’s patient safety program.

Prior to joining Phelps, she worked at Hospital for Special Surgery, where she had responsibilities for patient safety, Joint Commission accreditation, quality manage-

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2015

ABOVE THE BAR AWAR D S NINTH ANNUAL COUNTYWIDE AWARDS PROGRAM RECOGNIZING OUTSTANDING WESTCHESTER ATTORNEYS

SAVE THE DATE: JUNE

4

TUDOR ROOM PACE LAW SCHOOL 78 N. BROADWAY WHITE PLAINS

PRESENTED BY: • CITRIN COOPERMAN • WESTCHESTER COUNTY BUSINESS JOURNAL • PACE UNIVERSITY SCHOOL OF LAW • WESTCHESTER COUNTY BAR ASSOCIATION • WESTCHESTER WOMEN’S BAR ASSOCIATION

Visit westfaironline.com for the nominating process. Each nomination should consist of a minimum of 200 words based on the criteria provided.

Please submit your nomination and a copy of the nominee’s CV no later than April 22. For more information or questions, call Holly DeBartolo at (914) 694-3600, ext. 3006, or email hdebartolo@westfairinc.com.

Nominations close April 22 20

April 13, 2015

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A CALL FOR

NOMINATIONS Members of the Westchester business and legal communities are encouraged to nominate, pursuant to the criteria, one or more candidates for the following prestigious award categories: PACE SETTER AWARD: Candidate exemplifies overall excellence in professional and community work, prominence in the Westchester legal profession and fierce determination to being as good an attorney as possible. The highest award, the candidate must be well respected by peers and community.

MOST SOCIALLY CONSCIOUS AWARD: Candidate is dedicated to one or more causes in the community as an active member or leader and has a significant history of pro bono legal or government service, which warrant praise and recognition by peers and community.

LEADING HEALTH CARE ATTORNEY: Candidate has concentrated his/her legal expertise within the area of health care and distinguished him/herself as a leading health care attorney among his/her peers.

LEADING REAL ESTATE ATTORNEY: Candidate has concentrated his/her legal expertise within the area of real estate, including land use, development and zoning matters and distinguished him/herself as a leading real estate attorney.

MOST PROMISING PACE LAW SCHOOL STUDENT: Candidate, in his/her third year, who through passion and enthusiasm for the law, high scholastic achievement and initiative and involvement in school and community activities will be a promising member of the legal profession.

“WITHOUT QUESTION WINNING THE ABOVE THE BAR AWARD IS ONE OF THE MANY HIGHLIGHTS OF MY LEGAL CAREER, BUT ITS MEANING IS FAR GREATER. IT CELEBRATES THE RULE OF LAW IN OUR PROFESSION AND IT RECOGNIZES ALL LAWYERS WHO FIGHT FOR THE RIGHTS OF OTHERS.” Tejash V. Sanchala 2012 Above The Bar Award Recipient Leading Labor & Employment Attorney

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BUSINESS JOURNAL

SPECIAL REPORT HEALTH CARE

A booming industry beckons a longtime hospital CEO

BY JOHN GOLDEN

O

jgolden@westfairinc.com

n a recent April morning at the start of another workweek, Keith F. Safian drove from Manhattan for an interview at his sunlit country home that overlooks a wooded pond in the town of North Castle. A longtime commuter from Great Neck to his former job in Sleepy Hollow, Safian these days divides his time between an Upper East Side residence and the home he purchased outside Armonk about four years ago.

The secluded home in Westchester has become a weekend retreat and its furnishing a work in progress for Safian and his wife of seven months. The new routine of a second marriage, and the freedom to be at home at this hour on a Monday morning removed from the incessant demands of his former CEO office, are elements in what Safian called “a wonderful time in my life.”

In October, the 64-year-old hospital administrator celebrated his marriage to Kathy Gilbert, a marketing director at Mount Sinai Health System in Manhattan. Later that month, the board of directors at Phelps Memorial Hospital Center accepted “with regret” Safian’s resignation as president and CEO of the 238-bed community hospital in Sleepy Hollow.

Safian’s lauded 25-year tenure as the hospital’s top administrator officially ended Nov. 30, shortly before Phelps joined the metropolitan North Shore-LIJ Health System. The affiliation made North Shore-LIJ the “active parent” and co-operator of the Sleepy Hollow institution, which was followed last year by Northern Westchester Hospital in Mount Kisco in joining the Long Island-based health system as it expands into Westchester and the lower Hudson Valley market.

Though Phelps retains its own board of directors as a North Shore-LIJ affiliate, it no longer operates with its own CEO on campus. Safian’s successor, Daniel Blum, a former senior vice president at Phelps, leads the community hospital as its president.

“It’s a very common thing that a CEO does not continue in that role” when a hospital affiliates with a larger organization, Safian said of his decision to resign. “It’s just a typical thing. It happens all the time.”

“My job at Phelps was to do the best thing for Phelps, and that affiliation was the best

thing for Phelps.” The community hospital is now part of the largest health care system and the largest private employer in New York, he noted.

Safian has been researching a nationwide trend of affiliations in the health care industry for an article he and a friend are working on. That trend has been especially driven by the implementation of the Affordable Care Act and reform measures to reduce health care costs while improving patient care.

“Ten of 12 acute care hospitals in Westchester County all affiliated within an 18-month period,” Safian said. “Nobody anticipated that, and it hasn’t happened anywhere else that I am aware of.”

At Phelps, the hospital’s strategic planning committee “saw the handwriting on the wall a very long time ago,” he said. Affiliation with a larger health system was essential.

Phelps and other community hospitals contend with major cost pressures — including labor and personnel costs that account for 61 percent of a hospital budget — and reimbursement rates from the state that are among the lowest in the nation relative to the costs of operating in New York, he said.

Larger health systems can reduce supplychain expenditures and costs of personnel training, malpractice and other insurance and third-party administrative services.

“It’s necessary and it’s good,” Safian said of the wave of affiliations that is changing the health care landscape in Westchester.

Safian recalled advice he was given early in his career by a nun who ran a hospital in the Midwest: “No margin, no mission.”

Although New York hospitals operate as nonprofits, “If you don’t have money, you cannot fulfill the goal of providing health care for the community,” he said.

Safian heeded that pithy counsel in a nearly 40-year career as a hospital administrator, first at New York University’s Langone Medical Center and for five years at St. John’s Episcopal Hospital in the Far Rockaway section of Queens. There he left what had been a money-losing operation with a $2.6 million surplus before taking the top administrative job at another financially struggling hospital in Sleepy Hollow in 1989.

Phelps Memorial had lost $4.3 million, an 11 percent budget deficit, in 1988. During Safian’s quarter-century administration, its operating budget grew from $40 million to

Keith Safian

$240 million, its medical staff from 200 to 500 physicians, and its workforce from 800 employees to 1,700 employees. The 50th largest employer in Westchester County when Safian arrived, Phelps is now the county’s seventh largest employer, due only in part to the closing of the General Motors automotive assembly plant in Sleepy Hollow and corporate downsizings and relocations.

“Keith rescued Phelps from the verge of bankruptcy in 1989,” Phelps Memorial board Chairman Richard Sinni said last fall when announcing Safian’s resignation, “and the fiscal performance he achieved thereafter has enabled the hospital to provide the highest level of medical care to the communities it serves.”

The hospital’s sound financial health helped make it an attractive asset to North Shore-LIJ. Safian said last year that Phelps ended 2013 with a $4.7 million surplus and a substantial cash balance.

His resignation has “opened a door to possibilities” to explore in the booming health care industry, he said. Since leaving Phelps, he has formed Safian & Co. LLC. “I was a hospital administrator for 40 years and I’ve not done anything else. I’m sitting back and gathering information and looking at what the possibilities are for someone with

my many years of experience.”

As CEO at a nonprofit, he was not allowed to be involved in a for-profit business. Now he is free to pursue paid consulting work, speaking engagements and other career options with a telemedicine startup, software companies developing products for the health care industry, hospital vendors and private equity firms adding health care companies to their portfolios.

As a hospital administrator, “Private equity was a term I was only generally familiar with,” Safian said. Now some of those firms “want to pick my brain.”

“For me, I get to step back instead of dealing with the operational issues” of a hospital.

“I get to think more strategically.”

Among the businesses seeking him out, Safian said he was approached by two headhunting firms about hospital administrator jobs in the metropolitan area.

“Literally for the last 30 years, I’ve run hospitals,” he said. “The easiest thing for me to do would be to do that again.”

Yet his adjustment to life and an emerging career outside the hospital to which he devoted long working days and nights has not been difficult.

“Surprisingly, I didn’t have withdrawal.

Having eight meetings a day is not missed.”

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April 13, 2015

21

INBRIEF MKMG OPENS URGENT CARE FACILITY Mount Kisco Medical Group on April 6 opened its seventh urgent care facility in the Hudson Valley region. The center at 360 N. Bedford Road in Mount Kisco offers walkin services for adult and pediatric patients.

MKMG’s urgent care centers provide medical care for acute illnesses or injuries that require immediate care but are not serious enough to warrant a trip to the emergency room, according to a press release from the medical group. The office is open daily from 8 a.m. to 7:45 p.m., with no appointment necessary.

Founded in 1946, Mount Kisco Medical Group is a multispecialty practice that includes more than 450 physicians at 40 locations in Westchester, Putnam, Dutchess and Ulster counties.

HRHCARE CENTER TO OFFER LGBT COMMUNITY SUPPORT Peekskill-based HRHCare is now offering monthly support groups for the LGBT community.

The health care nonprofit, formerly

Hudson River HealthCare, partnered with The LOFT: Lesbian, Gay, Bisexual and Transgender Community Services Center and Westchester Jewish Community Services’ Center Lane LGBTQ youth center to create the program.

“This new collaboration in Peekskill will broaden the services to the entire LGBT community and demonstrate the many possibilities when LGBT service providers partner with health care providers,” Scott Havelka, director of programs and services at The LOFT, said in a statement.

The HRHCare center at 1037 Main St. in Peekskill will host monthly group meetings facilitated by The LOFT and Center Lane, giving HRHCare patients and other community members who are identified or allied with the LGBT community a chance to discuss LGBT health issues as well as support each other through group discussion and sharing.

Center Lane is hosting a monthly group session for LGBT youths and young adults ages 13 to 21, from 5 to 6:30 p.m., followed

by The LOFT group for LGBT adults from 7 to 8:30 p.m. The meetings will be held on the second Wednesday of every month.

Beginning May 6, The LOFT also will offer the Silver Connections group for LGBT seniors, ages 55 and up, on the first

Wednesday of every month at 11:30 a.m.

All group meetings will take place in the Founders Room on the second floor of the HRHCare center.

More information is available on hrhcare. org or at 1-844-HRH-CARE.

EDUCATION APP RECEIVES FUNDING Westchester Community Foundation awarded a $30,000 grant to a group that created HealthYI, a mobile app designed to improve health care literacy among low-income young adults.

The group, Young Invincibles, is a millennial research and advocacy organization that works to advance economic opportunity for young adults. The funds will help with the distribution of HealthYI among millennials in Westchester County.

The HealthYI mobile app is designed to help young adults, including many of whom have signed up for their own insurance plan for the first time, utilize their new coverage.

It will help them find doctors, encourage them to take advantage of free preventive care and answer FAQs. With the fund, Young Invincibles also will lead a Westchester health care literacy project that includes outreach and education

School of Professional for adult andOpportunities Continuing Studies

undergraduate learners

at community health centers and organizations throughout the county. The presentations will use infographics, one-page fact sheets and video to help young adults understand basic concepts of health care coverage.

RADIOLOGY GROUP ALIGNS WITH WHITE PLAINS HOSPITAL White Plains Radiology Associates PC recently signed an agreement to be exclusively aligned with White Plains Hospital. The radiology group has worked with the hospital for more than 30 years and will now be known as WPH Radiology.

About 60 board-certified radiologists, technicians and other staff members are part of the radiology group, which offers advanced imaging services including CT scans, PET scans, ultrasounds, X-rays, mammograms and MRIs. “This new partnership with WPH Radiology will expand our ability to provide seamless imaging services of the highest quality in convenient settings throughout the county,” Susan Fox, president of White Plains Hospital, said in a statement.

White Plains Hospital offers imaging services in three White Plains locations, Rye Brook and New Rochelle.

— Danielle Brody

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April 13, 2015

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•

pcs.fordham.edu/healthcare •

healthcarepcs@fordham.edu.

eeo

BY SUE SAMPOGNA

Dual-diagnosed youths must be treated in a healthy setting “JORGE” WAS AN EXCESSIVELY AGGRESSIVE 15-year-old. Considered to be too dangerous to himself and others to live in the community, Jorge was confined to a psychiatric hospital. But hospitals aren’t the right places to treat the complicating factor of his aggressive behavior: Jorge’s intellectual disability.

Like other children with similar cognitive limitations, Jorge had a hard time navigating the world; his continual frustration fueled his belligerence.

There are many young people like Jorge, “dual diagnosed” with both an intellectual disability and a mental health disorder. In fact, there is likely a link between the two. A person living with an intellectual disability is three to five times more likely to be diagnosed with a mental illness, according to NADD, an association promoting awareness of dual-diagnosed individuals.

Until recently, children like Jorge in New York state either cycled in and out of hospitals or were sent to programs out of state, at great expense to the government. But Leake and Watts thought it was necessary to start a program locally to keep children closer to their families and communities.

So we responded to a community need and

adapted our services to transform our residential treatment center, creating one of the few programs that can meet the needs of dual-diagnosed youths in the state. Not only is it better for these youths, it is far more cost-effective.

For those of you who may not know us, Leake and Watts is a nonprofit that serves 8,000 vulnerable children, adults and families in the New York metropolitan area. With the ability to house the large population of youths we’re serving in our residential treatment center, we can put together groups of children of similar age and with similar characteristics. (In the hospital, a 12-year-old can be treated alongside a 19-year-old and their diagnoses might be totally different.) Groups live on our Yonkers campus in a home-like setting in one of nine cottages, with 24/7 support from our staff.

We design our services around each child, based on individual needs, abilities and interests. Children can choose from a variety of after-school activities and vocational training, and have a say in other aspects of their lives. After a lifetime of hearing “no” and lacking choices, children find it liberating to be in a person-centered

environment where their preferences are respected.

LEVERAGING CORE STRENGTHS Our dual-diagnosed youth program capitalizes on Leake and Watts’ core strengths: • Safety and security. Dual-diagnosed children often lack the street smarts to protect themselves from bullies, or they may suffer abuse and neglect by their families. We provide a safe and supportive home for them in cottages on our campus in Yonkers. Unless they feel safe, they cannot be open to change.

• Specialized education. Children don’t have to go far to attend school suited to their needs. The Leake and Watts Biondi School is right on campus. A fully accredited nonpublic school designed for students who have difficultly learning in traditional school settings, the Biondi School has a studentteacher ratio of at least 12-to-1 and teaching assistants in every classroom. Biondi students make steady progress in reading and math, and have a chance to shine if their talent lies in sports, art, music or performance.

• Structure. We keep kids busy. Their day is highly structured; almost everyone is involved in after-school activities. Besides

homework and contributing to household chores, children hold jobs on campus, join clubs and do sports. There is a weekly outing to places like museums; twice a month the youths do volunteer work for other nonprofits and meet with mentors.

• Support. Leake and Watts staff and social workers interact with children on a daily basis. They hold a therapeutic community meeting with children when they come home from school, which helps them transition into the next part of their day.

Students often jump in with ideas on how to resolve issues. Children also receive one-onone counseling and tutoring support.

• Family connections. Our goal is to keep youngsters connected to their families.

We arrange frequent family day events on campus as well as off-campus meetings.

• Celebrating success. Imagine growing up without regularly hearing the words “good job!” Children need to experience success.

Our positive behavior incentive program recognizes and rewards youths with points for doing the right thing. As these small successes add up, youths earn awards and gain privileges, and their success is celebrated.

Jorge, page 25

Call us to learn about our affordable rates on an hourly or live-in basis.

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23

BY ANN RUBENZAHL AND JEANNE MALONEY

Colleges address health care workforce needs

H

ealth care represents a large and growing percentage of U.S. economic consumption. In order to meet the increasing demand for care, the number of health care workers will need to expand by almost 30 percent overall by 2020.

The Georgetown University Center on Education in the Workforce reported there will be approximately 5.6 million health care job vacancies from 2010 to 2020. If consideration is given to the wide range of

job categories that support direct health care providers, the growth in health care and related jobs is even higher.

Region’s needs There is also a growing need for health care workers locally. A regional business association indicates that health care is emerging as the “the largest economic engine in the Hudson Valley, contributing $15 billion to the regional economy.”

Changing demographics, including the

increase in the older adult cohort, also are contributing to the need for health care workers, especially in long-term care facilities and related service groups. A regional planning and research organization reported that New York state’s population as a whole will grow by only 1.3 percent by 2040, but the population of 80-plus-year-olds will grow by 42.2 percent. This growth in the older adult cohort is expected to have the most impact in upstate New York; however,

He survived with our expertise.

And his daughter’s love.

Sal Di Vitto Trauma survivor / Dad

It was just another day at work for Sal, or so he thought. But when he suffered severe internal injuries and a crushed foot in a freak accident that day, his life changed forever. Fortunately, Westchester Medical Center’s surgery and orthopedics teams were on the job that day too.

Saving Sal’s life and giving a daughter her Dad back.

westchestermedicalcenter.com

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April 13, 2015

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the growth in Westchester County is still substantial, at nearly 30 percent growth, and surrounding counties are expected to experience even higher increases.

Along with a changing demographic landscape, vehicles for containing health care costs also will impact health care workforce needs. One such change in New York and the Hudson Valley is federal approval of New York’s Medicaid waiver amendment, which will enable the state to allocate funds to support access to quality care for Medicaid members and also reduce costs.

Nearly six and a half-billion dollars of the waiver funds will be allocated to the Delivery Service Reform Incentive Payment program, which is designed to promote reforms that will achieve a 25 percent reduction in avoidable hospital use over five years. Examples of avoidable hospital use include emergency room use, hospital admission and hospital readmission within 30 days. The impact of the initial grants under the program has not been fully determined, but some suggest a potential shift in workforce needs from hospital to ambulatory settings.

Creating pathways The need for health care workers includes a range of employees, from highly skilled, highly paid individuals with many years of post-secondary education to lowerskilled and lower-wage employees who provide a variety of supportive services. There are opportunities for both employers and educational institutions to address pathways for employee advancement in health care for individuals currently employed in lower-wage jobs.

In order to address the range of educational credentials required in the health care workforce, all post-secondary educational institutions play a critical role.

Community colleges provide an entry-level access point for individuals interested in health care careers. Programs providing the background and skills required for entrylevel health careers such as home health aide may be completed in three months or less. These programs not only provide participants with the credentials required to access health care jobs, but also address documented entry-level health care workforce needs. High growth is anticipated for health care support occupations through 2020; the demand for home health aides is expected to be especially high.

Over the past several years, attention has been given to designing educational pathways that enable individuals with entry level health care credentials to continue their education and earn additional workforce credentials and/or enroll in associate

Jorge — From page 23

and bachelor’s degree-level health care programs and beyond.

States across the country are employing career pathway models to both address indemand occupations identified in local and state labor markets (Arkansas, Kentucky, Massachusetts, Ohio, Oregon, Virginia, Washington, Wisconsin and others), and provide educational pathways that result in individuals being prepared for increasingly higher-level health care jobs that provide a livable wage.

Each step in a career pathway is designed to prepare students for the next level of employment and education. In Oregon, 17 community colleges worked in collaboration to develop certificate programs that enable participants to “blend school and work while providing opportunities to enter or return to work with increased skills and wages.” Some pathway programs also include a contextualized approach based on the state of Washington’s Integrated Basic Education and Skills Training Program that integrates English language acquisition with programmatic content. The nationally recognized model is designed to address students’ English language development and work skills concurrently so participants can earn credentials and be employed in a shorter period of time.

Locally, Westchester Community College provides health care programs for entry-level positions, such as home health aide, certified nursing assistant and patient care technician. These short-term workforce programs provide a pathway to degree-granting programs such as the registered nursing, radiologic technician and respiratory care programs, and many colleges also integrate a bridge program to facilitate entry into credit-earning programs. Westchester Community College is also working to offer contextualized health care programs that concurrently address English language skills and entry-level health care skill development. The contextualized courses will specifically address the educational needs of the county’s growing immigrant population and create a larger bilingual workforce.

Entering the workforce The transition from training/education programs into the health care workforce can be challenging. Models that foster transition for participants into health care employment reduce stress for entering health care employees and also reduce the potential for errors that jeopardize patient safety. The state of California has a number of models that fund transition to work for new nursing graduates that enhance their skills, reduce risks for patients and health care employers, and effectively address

workforce needs.

Another transition-to-work model is the apprenticeship model — a combination of classroom instruction and work that enables individuals to learn while they earn. Most of us typically think of apprenticeships in fields other than health care, but health care apprenticeships do exist.

Chesterfield General Hospital and Marlboro Park Hospital have recently partnered with Northeastern Technical College to offer an apprenticeship program for medical assistants.

In order to facilitate transition to employment in the health care field, a close relationship between educational institutions and regional business, workforce and economic development agencies is key. An example is the nearly $10 million grant recently received by the WestchesterPutnam Workforce Investment Board,

which will concurrently address the needs of long-term unemployed and the workforce needs of the region’s health care industry.

While many efforts are underway in the Hudson Valley to support the growing health care industry, an expanded strategy for linking educational institutions to employers with emerging health care workforce needs will create a win-win for job seekers and health care employers.

Ann Rubenzahl is assistant dean of continuing education and workforce development at Westchester Community College.

She can be reached at 914-606-6618 or ann. rubenzahl@sunywcc.edu. Jeanne Maloney is director of special projects in the division of continuing education and workforce development at the college, and can be reached at 914-606-6799 or jeanne.maloney@sunywcc.edu.

YOGA AND ZUMBA FOR JORGE Jorge has experienced widespread success. He is now 20 years old and holds a job on campus; works in our community garden; takes yoga and Zumba classes; has a mentor; and performs community service packing food for the food bank, serving meals at a shelter for HIV-positive individuals and picking up trash at Crotona Park. We have linked him to the state Office for People with Developmental Disabilities so he can receive lifelong support after he ages out of our program at 21. While Jorge has occasional outbursts of anger, the episodes are far less frequent and more manageable than they were before. He is a great example of what happens when agencies such as Leake and Watts respond to community needs.

Sue Sampogna is an assistant executive director in charge of residential services at Leake and Watts Services Inc. She can be reached at 914-375-8678.

1-877-Call VNA

vnahv.org

Your home. Your needs. Our services.

Visiting Nurse Association of Hudson Valley delivers the best quality professional in-home nursing, rehabilitative, home health aide and hospice services to residents of Westchester and Putnam Counties.

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Our highly-trained staff can improve your quality of life.

Call us 24 hours/7 days a week for all of your needs.

Corporate Address: 540 White Plains Road, Ste. 300 Tarrytown, NY 10591-5132 • (914) 666-7616

Putnam Address: 20 Milltown Road, Ste. 101 Brewster, NY 10509-4309 • (845) 278-4068

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April 13, 2015

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White Plains Hospital.

The Hospital of Choice in Westchester.

A N D T H E R E A R E G O O D R E A S O N S F O R T H A T.

The Hospital has earned the kind of recognition that inspires confidence.

White Plains is among just 7% of hospitals nationwide to achieve Magnet® recognition for nursing excellence. Ranked among the top 5% of hospitals in the nation by Healthgrades for patient experience, it is also a 12 time recipient of the Consumer Choice award for highest quality and image. And now, White Plains is the proud recipient of the evidence-based Women’s Choice Award, as an America’s Best Hospital for Obstetrics in 2015.

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New England Total Energy (NETE) is an independent family-owned and operated full-service dealer serving southern Fairfield and Westchester counties since 1939. The company started as a coal business and a fruit-truck business. In 1950, the businesses were split due to the Food and Drug Administration dictating that food and coal could not be sold from the same vehicle. The company then began delivering coal and kerosene and changed its name to Cortese Oil. A few years later, the company expanded into home heating oil and bought its first oil truck. The family and business continued to grow and diversify into a full-service energy company.

NETE has a fully licensed service and installation department along with an experienced customer service team. It offers its home and business custom-

ers a variety of products and services that include heating oil, propane, diesel, discounted electricity and natural gas. In addition to selling and servicing boilers, furnaces, central air systems and hot water heaters, NETE provides energy audits, which include home air sealing and weatherization. The company sells Energy Star heating and cooling equipment and track rebates, tax credits and financing for energy-saving upgrades.

The Cortese family believes in giving back to their community through donations and supports for the American Cancer Society, Mothers Against Drunk Driving and many other local charities.

Because of their company’s long legacy of community service, Connecticut State Representative Fred Camillo presented the family with a proclamation from the General Assembly designating Oct. 19 as “New England Total Energy Day.” The family continues to be honored for their hard work and dedication by receiving the 2015 Family-owned Business Award by the Fairfield County Business Journal.

D&D Elevator: Service, Safety & Energy Savings two seasoned veterans (Tom Davies and Theodore Dettmering, the original owners of D&D), he learned how to install, maintain, repair and modernize elevators.

In 1984, Nunzio Meccariello, currently D&D’s treasurer, began leading the effort to build an efficient and dynamic modernization and construction Department.

The company was joined in 2005 by Michael Bonardi, currently D&D’s Vice President, who brought to bear his vast experience with large service, moderniza-

For energy savings, Regenerative Drives from D&D reclaim excess regenerative energy from the elevator motor and supply it to the 3-phase AC power system.

B

ased in Elmsford, D&D Elevator Maintenance Inc. is a leading elevator maintenance company serving the greater New York region with a legacy of long-term relationships, built on the highest levels of customer service.

D&D is independent, licensed and fully insured. Established in 1981, the company has been providing best maintenance practices throughout the New York metropolitan area for over 34 years. Many of our current contracts are with customers we have been serving continuously since our beginnings in the early 1980s.

Westchester properties served by D&D include Mercy College, the Cambria Suites Hotel in White Plains, House of Sports and numerous residential highrises.

D&D’s principals are always easily reachable and immediately responsive to all emergency and routine needs.

We strive to know all of our customers by name and place primary value on personal relationships, accountability and reliability. Robert Schaeffer, D&D’s CEO and President, has been with the company since its inception. Beginning as an apprentice, and working under

tion and construction projects.

Over the years, D&D has achieved several industry milestones, including the first AC gearless machine installation in North America. This state-of-the-art equipment has already given the customer over 20 years of reliable operation and remains in service today. In 2001, D&D introduced its “Engineered Elevator Service Plan.” This concept was based on new code requirements being adopted by the State and City of New York, com-

plying with Section 8.6 of the A17.1 Code for elevators and escalators.

D&D works with customers to identify “green” items that will reduce energy costs in their elevator systems, i.e., installing regenerative drives, LED lighting, Destination Dispatch and biodegradable lubricants.

For further info, visit www.ddelevator.com or contact D&D Elevator Maintenance, Inc., 38 Hayes Street, Elmsford, NY 10523, (914) 347-4344.

D&D makes your Elevators Eco-Friendly • Regenerative Drives • Permanent Magnet Motors • LED Lighting • Destination Dispatch • Biodegradable Lubricants As a D&D customer, you benefit from the cutting-edge knowledge and technologies that we bring to the installation and maintenance of elevator equipment.

Plus, by becoming environment-friendly, you and your property benefit from significant energy savings and other reduced operating costs!

Go Green with D&D Elevator!

Visit our website: www.ddelevator.com

Providing Secure Elevator Solutions D&D Elevator Maintenance Incorporated • 38 Hayes Street • Elmsford, NY 10523 P: 914.347.4344 • F: 914.347.3222 • info@ddelevator.com • www.ddelevator.com

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ECS Aeroseal LLC

Y Visitecs-a erosea l.com

our home’s ductwork is the lifeblood of your heating and cooling system. Like the arteries and veins that deliver blood and nutrients throughout your body, your ductwork delivers and circulates the air that your furnace and air conditioner treat to make your home comfortable and healthy. You may have a strong and healthy heart, but if there are problems with your arteries, you could be at serious risk.

The same for your ductwork. You may have the most energy-efficient heating and cooling system on the market but if your ductwork leaks you will continue to suffer with high-energy bills. Leaky ducts are typically the single most common cause of home energy waste, uneven temperatures, as well as excessive dirt, allergens and other indoor pollutants.

The professionals at ECS Aeroseal

LLC. are experts at repairing your ducts.

They take care of your home while using aeroseal, the most advanced technology available for sealing your ductwork.

Traditional sealing methods can be hard to administer. Since most ductwork is hidden behind walls, under insulation or other hard-to-access locations, finding and sealing all the leaks is very difficult.

Aeroseal works from the inside of the ductwork to seal leaks regardless of where they may be hidden. The computerized sealing system automatically locates and seals all the leaks, quickly and efficiently. The aeroseal sealing process is completely safe and nondisruptive to your current home’s architecture. Best of all, aerosealing your home’s ductwork is so effective that it typically provides the highest return on investment of any other means you can use to save energy — payback for home owners is typically 2 to 3 years.

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VISIONARY VACUUM? WHAT MAKES SOME AREAS DAZZLING AND OTHERS JUST PLAIN BORING? This Westfair program on development and real estate will reveal the obstacles to creativity in our local towns, villages and cities. Is there a vision vacuum among our elected and appointed officials or are fear, economics and regulations too overwhelming?

DATE: TUESDAY, MAY 19 TIME: 11:30 A.M. TO 1 P.M. LOCATION: THE WATERS EDGE AT GIOVANNI’S 2748 POST ROAD, DARIEN, CONN.

HEAR WHAT OUR EXPERT PANELISTS HAVE TO SAY DISCUSSION MODERATOR

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Managing Partner Abbey Road Advisors LLC Fairfield

Presented by The Westchester and Fairfield County Business Journals and WAG magazine To RSVP visit westfaironline.com For more information, call Holly DeBartolo at 914-358-0743 or email hdebartolo@westfairinc.com.

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31

THELIST: LARGEST THRIFTS & SAVINGS

THRIFTS AND SAVINGS BANKS

Westchester County

WESTCHESTER COUNTY

Ranked by total assets.

Name Address Area code: 914 unless otherwise noted Website

New York Community Bank

1

516 Merrick Ave., Westbury, N.Y. 11590 866-293-6077 • mynycb.com

2

80 W. Century Road, Paramus, N.J. 07652 201-967-1900 • hudsoncitysavingsbank.com

3

850 Main St., Bridgeport, Conn. 06601 338-7001 • peoples.com

4

Hudson City Savings Bank

People's United Bank N.A.

Astoria Bank

1 Astoria Federal Plaza, Long Island City, N.Y. 11042 516-327-3000 • astoriafederal.com

Apple Bank for Savings

5

122 E. 42 St., Ninth floor, Manhasset, N.Y. 10168 834-3240 • wiltongroup.nmfn.com

6

7102 Forest Ave., Ridgewood, N.Y. 11385 718-240-4800 • ridgewoodbank.com

7

320 State St., Schenectady, N.Y. 12301 518-381-3831 • trustcobank.com

8

2477 Route 6, Brewster, N.Y. 10509 845-279-7101 • pcsb.com

9

325 Hamilton Ave., White Plains 10601 684-2500 • necommunitybank.com

10

11

Ridgewood Savings Bank

Trustco Bank

Putnam County Savings Bank

NorthEast Community Bank

CMS Bank

40 E. First St., Mount Vernon, N.Y. 10550 422-2700 • cmsbk.com

Sunnyside Federal Savings and Loan Association 56 Main St., Irvington, N.Y. 10533 591-8000 • sunnysidefederal.com

Total assets $

Total deposits $

Bank equity capital $

Net income $

Return on assets %

Return on deposits %

44.28 billion

25.86 billion

5.45 billion

470.1 million

1.07

8.69

36.57 billion

19.51 billion

4.43 billion

151.8 million

0.4

3.42

35.76 billion

26.15 billion

4.62 billion

262.5 million

0.77

5.67

15.57 billion

9.69 billion

1.76 billion

107.4 million

0.69

6.16

11.66 billion

10.52 billion

978.8 million

52.86 million

0.45

5.5

5.09 billion

3.92 billion

665.8 million

14.5 million

0.28

2.22

4.64 billion

4.03 billion

382.96 million

45.37 million

0.99

12.25

991.05 million

855.05 million

112.33 million

1.67 million

0.17

1.5

503.97 million

377.44 million

88.94 million

1.75 million

0.37

1.99

267.49 million

214.71 million

22.17 million

907 thousand

0.34

4.24

93.81 million

80.43 million

11.54 million

(-207) thousand

(-0.22)

(-1.81)

This list is a sampling of thrifts and savings banks serving the region. If you wish your bank to be included in our next listing, please contact Danielle Renda at drenda@westfairinc.com.

Note:

32

All numbers are accurate as of Dec. 14, 2014. Information collected from the Federal Deposit Insurance Corp., fdic.gov.

April 13, 2015

WCBJ | HV Biz

FACTS& FIGURES BANKRUPTCIES MANHATTAN 3920 Broadway Rest. Inc. 3920 Broadway, New York 10032-1518.

Chapter 11, voluntary. Represented by 3920 Broadway Restaurant Inc. Filed: April 3. Case no. 15-10847-shl.

S.A.K. Realty Corp. 1299 Jerome Ave., Bronx 10452. Chapter 11, voluntary. Represented by Leo Fox. Filed: April 2. Case no. 15-10834-scc.

COURT CASES Anton Meyer Corp. Filed by the trustees of the Bricklayers and Allied Craftworkers, Local 5 New York Retirement, Welfare, Labor Management Coalition, Supplemental Benefits and Apprentice Training and Journeymen Upgrading Funds.

Action: labor suits by and against labor organizations. Attorney: Karen Lynn Mizrahi. Filed: April 7. Case no.

7:15-cv-02694-KMK. Bayer HealthCare Pharmaceuticals Inc. Filed by Kira Balius. Action: diversity-personal injury. Attorneys: Dawn M. Chmielewski, Shelley Kaufman and Matthew Joseph McCauley. Filed: March 30. Case no.

7:13-cv-07683-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Kenzie Barlow.

Action: diversity-product liability. Attorney: Christopher A. Seeger. Filed: April 2. Case no. 7:15-cv-02501-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Kristen Nicole Cox. Action: diversity-product liability. Attorney: Edward Blizzard. Filed: April 2. Case no. 7:15-cv-02502-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Samara Grant. Action: petition for removal-product liability. Attorney: Michael O. Pansini. Filed: April 2. Case no. 7:15-cv02549-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

ON THE RECORD

Bayer HealthCare Pharmaceuticals Inc. Filed by Angelina Medina.

Action: diversity-product liability.

Attorney: Carla R. Minniefield. Filed: April 2. Case no. 7:15-cv-02547-CS.

Invacare Corp. et al. Filed by Maria Orozco. Action: notice of removal.

Attorneys: Scott Lawrence Haworth and Margot Nicole Wilensky. Filed: April 3. Case no. 7:15-cv-02603-NSR.

322 SB Realty LLC, Brooklyn. Seller: Steinway Holding Corp., New York City. Property: 322-338 S. Broadway, Yonkers. Amount: $2.3 million. Filed April 2.

18 Harbor Lane Realty LLC, Mamaroneck. Seller: Chung Eun Park Kim, et al, Rye. Property: 18 Harbor Lane, Rye. Amount: $900,000. Filed April 2.

Bayer HealthCare Pharmaceuticals Inc. Filed by Gabina Mendoza.

Action: diversity-(citizenship). Attorneys: Mark John Geragos, Tina Glandian and Benjamin Jared Meiselas. Filed: April 2. Case no. 7:15-cv02505-CS.

Lily Transportation Corp. Filed by Grace Kaufman and Ross Kaufman.

Action: diversity - notice of removal.

Attorney: Keith Alan Raven. Filed: April 7. Case no. 7:15-cv-02581-KMK.

Bremen House Inc., New York City.

Seller: Carolyn P. Pace, Bronxville.

Property: 21 Dusenberry Road, Eastchester. Amount: $1.5 million. Filed April 3.

26 South 13 Realty LLC, White Plains. Seller: 26 South 13 Corp., Mount Vernon. Property: 26 S. 13th Ave., Mount Vernon. Amount: $164,795. Filed April 6.

Malibu Media LLC. Filed by John Doe. Action: copyright infringement.

Attorney: Jacqueline Marie James.

Filed: April 3. Case no. 7:15-cv-02604KMK.

City of Peekskill, Peekskill. Seller: Global Recycling and Collection Inc., Brookhaven. Property: 1013 Lower South Street, Peekskill. Amount: $4.2 million. Filed April 7.

300 Mamaroneck 2010 LLC, Scarsdale. Seller: Jose Marzan, White Plains. Property: 300 Mamaroneck Ave., No. 210, White Plains. Amount: $429,000. Filed April 7.

Marriott Ownership Resorts Inc. Filed by Robert I. Gruber. Action: diversity action. Attorney: Peter E. Tangredi. Filed: April 3. Case no. 7:15-cv02621-VB.

Elk Homes Partners II LP. Rye. Seller: Roger Vail Allen, Bronxville.

Property: 15 Hamilton Ave., Eastchester. Amount: $1.6 million. Filed April 6.

321 Broadway Partners LLC, Westbury. Seller: James A. Garvey III, Scarsdale. Property: 30 Carroll St., Yonkers. Amount: $134,000. Filed April 3.

Mobility Products Unlimited LLC et al. Filed by Invacare Corp.

Action: diversity action. Attorney: Scott Lawrence Haworth. Filed: April 6. Case no. 7:15-cv-02646-VB.

Giovanni LLC, Bronx. Seller: Robert W. Rogers, et al, Eastchester. Property: 9 Summit Ave., Mamaroneck.

Amount: $1.4 million. Filed April 3.

4 Lions Inc., New York City. Seller: Aarti A. Patel, White Plains. Property: 55 McKinley Ave., D1-12, White Plains.

Amount: $250,000. Filed April 7.

Lock Up Ardsley LLC, Northfield, Ill. Seller: 642 Saw Mill Properties Inc., Ardsley. Property: 642 Saw Mill River Road, Greenburgh. Amount: $1.3 million. Filed April 1.

425 S. 8th LLC, Eastchester. Seller: 425 South Eighth Avenue LLC, Mount Vernon. Property: 425 S. Eighth Ave., Mount Vernon. Amount: $450,000.

Filed April 2.

U.S. Bank N.A. Seller: Joseph Vozza, Harrison. Property: 16 Chiusa Lane, Cortlandt. Amount: $1.3 million. Filed April 1.

7 Jones LLC, Hartsdale. Seller: Linda Markowitz, White Plains. Property: 7 Jones Place, Yonkers. Amount: $275,000. Filed April 2.

U.S. Bank N.A. Seller: Michael George Santangelo, White Plains.

Property: 3 Bliss Farm Drive, Harrison. Amount: $1.3 million. Filed April 6.

All Home Solutions LLC, Pelham.

Seller: Fannie Mae. Property: 102 Florence Ave., Greenburgh. Amount: $295,000. Filed April 6.

Bayer HealthCare Pharmaceuticals Inc. Filed by Deanna Wofford Schmidt. Action: diversity-product liability. Attorneys: Panagiotis V. Albanis and Reynolds E. Pitts Jr. Filed: April 3. Case no. 7:15-cv-02546-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Marieliz Singh. Action: diversity-product liability. Attorney: Carla R. Minniefield. Filed: April 2. Case no. 7:15-cv-02508-CS. Core Contracting of NY LLC. Filed

by The Annuity, Pension, Welfare and Training Funds of the International Union of Operating Engineers Local 14-14B, AFL-CIO, by their trustees et al. Action: E.R.I.S.A.: employee retirement. Attorney: James Michael Steinberg. Filed: April 7. Case no.

7:15-cv-02635-CS. Core Contracting of NY LLC. Filed by the Annuity, Welfare and Apprenticeship Skill Improvement and Safety Funds of the International Union of Operating Engineers Local 15, 15A, 15C & 15D, AFL-CIO, by their Trustees. Action: E.R.I.S.A.: employee retirement. Attorney: James Michael Steinberg. Filed: April 7. Case no.

7:15-cv-02636-KMK. CVS Caremark Corp. Filed by Mirra Pharmacy Corp. Action: diversity action. Attorneys: Linda Jane Clark and Joseph Anthony Murphy. Filed: April 3. Case no. 7:15-cv-02598-KMK. EBS Contracting LLC. Filed by the trustees of the Laborers International Union of North America Local 235 Fringe Benefit Funds. Action: labor suits by and against labor organizations. Attorney: Giacchino James Russo. Filed: April 7. Case no. 7:15-cv02693-CS. Ener�y Systems & Installations Inc. Filed by SGK Energy LLC. Action: diversity- notice of removal.

Attorney: Jennifer Lynn Zuch. Filed: April 7. Case no. 7:15-cv-02691-CS. International Business Machines Corp. Filed by International Association of Heat and Frost Insulators and Asbestos Workers Local No. 6 Pension Fund. Action: federal questionsecurities violation. Attorneys: Rachel Ann Avan, Christopher J. Keller and Michael Walter Stocker. Filed: April 1. Case no. 7:15-cv-02492-VB.

Northern Manor Multicare Center Inc. Filed by Bridget L. Scott.

Action: job discrimination (unlawful employment practices). Attorney: Roseann Kitson Schuyler. Filed: April 1. Case no. 7:15-cv-02495-KMK. Prestige Delivery Systems Inc. Filed by Enoch Mose and Efrain Rivera. Action: denial of overtime compensation. Attorneys: Jason T. Brown and Nicholas R. Conlon. Filed: April 2.

Case no. 7:15-cv-02488-KMK. QBE Holdings Inc. et al. Filed by Policy Administration Solutions Inc. Action: copyright infringement. Attorney: David Kent Fiveson. Filed: April 7. Case no. 7:15-cv-02473-CS. U.S. Postal Service. Filed by Yavettee Lynch. Action: job discrimination (unlawful employment practices).

No attorney listed. Filed: April 1. Case no. 7:15-cv-02479-CS. Upstate Concrete & Masonry Contracting Co. Inc. Filed by the trustees of the Bricklayers and Allied Craftworkers, Local 5 New York Retirement, Welfare, Labor Management Coalition, Supplemental Benefits and Apprentice Training and Journeyman Upgrading Funds.

Action: E.R.I.S.A.- civil enforcement of employee benefits. No attorney listed. Filed: April 7. Case no. 7:15-cv02490-VSB.

DEEDS Above $1 million 251 Warburton Ave LLC, Scarsdale. Seller: Fred Werner, et al, Mount Vernon. Property: 251 Warburton Ave., Yonkers. Amount: $1.1 million.

Filed April 2.

Urban-Sers Mt. Vernon LLC, State College, Pa. Seller: 750 South Fulton Storage LLC, State College, Pa. Property: 750 Fulton Avenue South, Mount Vernon. Amount: $3.1 million.

Filed April 1.

Bayview Loan Servicing LLC. Seller: Guy T. Parisi, Rye. Property: 1754 Strawberry Road, Yorktown.

Amount: $543,879. Filed April 2.

Below $1 million

Delucca Contracting LLC, Greenwich, Conn. Seller: William Goldstein, et al, Cortlandt Manor. Property: 254 Watch Hill Road, Cortlandt. Amount: $240,000. Filed April 6.

10 Warren Street LLC, White Plains. Seller: James B. New, White Plains. Property: 1 Terrace Ave., White Plains. Amount: $450,000.

Filed April 3.

Deutsche Bank National Trust Co. Seller: Albert W. Cornachio, Rye Brook. Property: 11 Ridgeway Ave., North Salem. Amount: $549,980.

Filed April 2.

124 Croton Avenue Realty LLC, Purchase. Seller: Jeffrey A. Bishop, Ossining. Property: 124 Croton Ave., Ossining. Amount: $65,000. Filed April 2.

DJH 559 Buxton LLC, et al, Bronxville. Seller: Estate of David J. Tonking, Greenwich, Conn. Property: 491-493 New Rochelle Road, Eastchester.

Amount: $950,000. Filed April 6.

145 Beech Street LLC, Whitestone.

Seller: Ideal Properties LLC, Yonkers.

Property: 145 Beech St., Yonkers.

Amount: $400,000. Filed April 1.

Eldridge Apartments LLC, White Plains. Seller: SA Challenger Inc., Oak Park, Ill. Property: 25-27 Eldredge St., Rye. Amount: $366,000. Filed April 6.

150 Purchase Street LLC, Scarsdale. Seller: Gloria Frances Spivack, White Plains. Property: 150 Purchase St., No. 3, Rye. Amount: $425,000.

Filed April 7.

Elk Homes Partners II LP, Rye. Seller: Ruth Amanda Nicodemus, Irvington. Property: 24 N. Eckar St., Greenburgh. Amount: $775,000.

Filed April 6.

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33

GOOD THINGS HAPPENING THE CHILDREN’S HOME OF POUGHKEEPSIE BENEFIT CONCERT

Jane Whitman and Joe Tockarshewsky.

CENTRAL HUDSON PROGRAM PROMOTES PEOPLE HELPING PEOPLE

From left, Walter Joseph, Diane Elias, Lisa Ghartey Ogundimu and Grace Dietz.

said Mark Quandt, director of the Food Bank. “Central Hudson has been a great supporter for many years and this new initiative will enable us to expand our efforts even further to reach more people in need.”

The Food Bank of the Hudson Valley supplies more than 400 food pantries, soup kitchens, shelters and other feeding programs, largely through donations by the food industry, as well as from individuals and organizations. In 2014, the nonprofit agency provided 12 million pounds of food throughout six Hudson Valley counties.

“We’ve made a pledge: Our People Helping People initiative will deliver sufficient support to provide 55,000 meals to local families through the Food Bank of the Hudson Valley when 55,000 of our customers enroll in our convenient electronic payment program,” said James P. Laurito, president of Central Hudson, who noted that fewer than 10,000 signups remain to meet the target.

“The Food Bank of the Hudson Valley relies heavily on the generosity of businesses and individuals in the community to help us feed our hungry neighbors,”

ARTSWESTCHESTER GIFT SHOP REOPENS Vocalist and Hudson Valley native Mark Raisch performs for guests.

The Children’s Home of Poughkeepsie recently hosted its third annual “Open Your Heart Cocktail Concert” at the Poughkeepsie Grand Hotel.

Nearly 190 guests enjoyed a musical performance featuring vocalist and Hudson Valley native Mark Raisch.

David Posner and Judge Joan Posner.

This year’s event was co-chaired by board members Ellen Staino and Suzi Stoller. Rose & Kiernan Inc. was the event sponsor, Radio Woodstock 100.1 WDST was the media sponsor, and other sponsors included Dutchess Tekcon Industries Inc.,

IBM Corp., Jackson Lewis PC, JSA Financial Group, Marshall & Sterling Inc., McCabe & Mack LLP, Omnicare of Chestnut Ridge, Cindy Poggiogalle, Rhinebeck Bank, Rondout Savings Bank, Ulster Savings Bank and Williams Lumber & Home Centers.

VNS TO HONOR TWO AT GALA Two leaders in the health care community will be honored by Visiting Nurse Services in Westchester (VNSW) at its 17th annual Spring Benefit Gala on May 12, at the Willow Ridge Country Club in Harrison. The event this year will recognize health care innovator and visionary Frank A. Corvino, chairman of the Greenwich Hospital Foundation, and Sumir Sahgal, a champion of leveraging health care information technologies to enhance care for chronically ill homebound patients.

“This year’s honorees exemplify the collaboration across the spec-

34

April 13, 2015

trum of health care organizations that is necessary to improve health care for all in our region,” said Timothy P. Leddy, VNSW interim president. “Both Frank Corvino and Dr. Sumir Sahgal and their respective organizations are valued partners of VNSW. It is our privilege to express our heartfelt thanks to them for helping us fulfill our mission of providing the highest level of care to patients, their families and caregivers in the comfort of their own homes.”

Proceeds from VNSW’s gala will support a wide range of programs for residents of Westchester, the Bronx, Dutchess, Putnam and Rock-

WCBJ | HV Biz

land counties. “Health care today is vastly different than it was 15 or 20 years ago,” said Leddy. “With fewer and shorter hospital stays for many patients, we are experiencing a greater need for home health care throughout our entire service area.”

The gala is co-chaired by Mahopac resident Debra Swee, communications consultant and VNSW board member, and Michael Wilson, co-owner, Wilson & Son Jewelers of Scarsdale and Mount Kisco.

For more information, contact Joyce Infante, director of development, at JInfante@vns.org or 914682-1480, ext. 649.

chester, The Shop at ArtsWestchester is a destination for upscale yet affordable locally produced products. Each purchase supports local cottage industry businesses and ArtsWestchester.”

Upcoming trunk shows include: April 18, noon to 4 p.m.: Cindy LaColla — greeting cards and prints with whimsical hand-drawn, handlettered watercolor and digital illustrations.

April 25, noon to 4 p.m.: Susan DiGilio — nature-inspired note cards and prints of original pen, ink and watercolor paintings.

May 2, noon to 4 p.m.: Elena Rosenberg — luxurious knit fashion accessories and textile jewelry in fine cottons and silks For more information, visit artsw. org/giftshop or call 914-428-4220.

The Shop at ArtsWestchester in White Plains has moved to the front of the gallery with a revamped look.

It showcases artists from throughout the Hudson Valley, including handmade products from the Hudson Valley Etsy Team.

Shoppers can expect to see a variety of new items by more than 13 artists, including whimsical hand-drawn stationary, handcrafted sterling silver and gemstone jewelry, luxurious knit fashions and more. An extension of ArtsWestchester’s exhibition space at 31 Mamaroneck Ave. in White Plains, the shop is opened during gallery hours, Tuesdays through Saturdays from noon to 5 p.m.

Gallery Director Kathleen Reckling said, “Just as our gallery highlights the talented and provocative artists working in and around West-

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DATES

WHITE PLAINS HOSPITAL WILL HOLD ITS 38TH ANNUAL NEIGHBORHOOD HEALTH FAIR from 9 a.m. until 2 p.m. at the Thomas H. Slater Center, located at Fisher Court, near Quarropas Street and the courthouse. The daylong event will include screenings for diabetes, high blood pressure, vascular, breast and prostate cancers and HIV testing.

Lab testing will be available for sickle cell disease and high cholesterol.

APRIL 25

Hudson Valley Honor Flight’s seventh flight to Washington, D.C., on April 11 was the first trip with a large number of Korean War veterans.

HOPE’S DOOR 35TH ANNUAL SPRING GALA HONORS INGRID CONNOLLY for her commitment to empowering survivors for more than 20 years, at The Apawamis Club, 2 Club Road, Rye. Cocktail hour begins at 6:30 p.m., dinner and the program at 8 p.m. For more information, visit HopesDoorNY.org/ Events/35th-Annual-Spring-Gala.

APRIL 25

KOREAN WAR VETERANS ON HONOR FLIGHT

HUDSON VALLEY ECONOMIC DEVELOPMENT CORP. IS HOSTING ITS FIRST “NIBBLES” educational forum at the Heineken USA headquarters, Reckson Metro Center Auditorium in White Plains, 5:30 to 8 p.m. The event will focus on educating local food and beverage entrepreneurs on the legal issues restaurants confront as they open and build a brand. The event is $30 per person. To learn more, call 845-220-2244 or visit www.hvedc.com.

APRIL 24

THE CONCERTS AT CAMPHILL GHENT PRESENT “IN CELEBRATION OF MUSIC” selections from Dvořák, Kodály, Brahms with violin, viola, cello and piano, 3 p.m. at 2542 State Route 66, Chatham. For more information, visit camphillghent.org.

EARTH DAY AND ARBOR DAY CELEBRATION 2015 AT THE GREENBURGH NATURE CENTER, 90 Dromore Road, Scarsdale, from 11a.m. to 4 p.m.

For more information, visit greenburghnaturecenter.org or call 914-723-3470.

APRIL 21

from New Clarkstown Road to Route 59, Spring Valley through the county Highway Department’s Adopt-aRoad Program. Paul organized four cleanup efforts in 2014 that were well attended by volunteers to rid the busy roadway of debris.

BOSCOBEL MANSION IN GARRISON HOSTS A NIGHT OF SONGS AND MUSIC THAT PROMISES TO TRANSPORT GUESTS BACK TO THE EARLY 1800S. Admission is $27 for members and $30 nonmembers. General seating is on stairs and chairs. Tickets can be bought online at boscobel. org.

APRIL 18

Rockland County Legislator Aney Paul and a volunteer crew participated in the Great American Cleanup, a national effort that is sponsored locally by Keep Rockland Beautiful.

In 2014, Paul adopted the twomile stretch of County Route 35A

CANCER SUPPORT TEAM WILL HONOR BETTY KELLY AT THE ORGANIZATION’S COMMUNITY EVENT,“CELEBRATE SPRINGTIME,” at the Larchmont Yacht Club from 6:30 to 8:30 p.m. The evening will feature a testimonial by a Cancer Support Team beneficiary, music, a raffle and an auction.

Tickets can be obtained by contacting parriaga@ cancersupportteam.org or calling 914-777-2777.

APRIL 18

KEEPING ROCKLAND BEAUTIFUL

APRIL 17

years ago to a projected $5 million this year. She increased corporate sponsorships and helped strengthen their major donor base. I am very excited that she will bring that experience and expertise to the Food Bank.”

A White Plains resident, Downey joined City Harvest in 2006 and served in the senior director role for the past two years.

Previously, she worked with the City Parks Foundation, an organization that provides arts, sporting and other activities in New York City parks. Earlier, she worked for the Jewish Community Center in Manhattan and at Carnegie Hall, where she directed a neighborhood concert series.

ANNA HOLMES FOUNDER OF JEZEBEL.COM AND THE AUTHOR OF “THE BOOK OF JEZEBEL,” will speak at The College of New Rochelle. Daniel Smith, author of “Monkey Mind: A Memoir of Anxiety,” and Mary Ellen Donnelly Critchlow ’69 endowed chair in English at CNR, will interview Holmes at 7 p.m. in Romita Auditorium.

Holmes will sign her books following the event. For more information, visit cnr.edu/annaholmesevent.

APRIL 19

Association Education Committee (AATA), and co-coordinator of its Task Force for the Revision of Art Therapy Master’s Programs Education Standards, St. John has played an important part in the education of art therapy majors at the college and beyond. Her work includes extensive research and practice contributions as well as service in multiple high-level professional art therapy association positions.

FOODBANK APPOINTS EXEC Naomi Giges Downey, a fundraiser who served as senior director of City Harvest in New York City, has been named vice president, fund development of the Food Bank for Westchester.

In her new role, Downey will work to develop systems, define job functions and put in place the best structure for the fund development department.

“Naomi comes to us with over 10 years of fund-development experience,” said Ellen Lynch, president and CEO of the Food Bank for Westchester. “As a senior director at City Harvest, she managed a staff of six and increased the special events fundraising program from $2 million a few

THE WESTCHESTER LIBRARY SYSTEM HOSTS A PRESENTATION BY FRANK BRUNI, The New York Times op-ed columnist, at a breakfast, at the Abigail Kirsch Tappan Hill Mansion, Tarrytown; doors open 8 a.m. Tickets are $80, $40 of which is tax deductible. Proceeds from the event will support Unlimited Possibilities! Mini-Grants and more community-based programming to libraries throughout the county. For more information, contact Pat Braja at 914-231-3241 or pbraja@wlsmail.org.

Patricia St. John

APRIL 16

Patricia St. John, professor of art therapy and art education at The College of New Rochelle Graduate School, has received the Honorary Life Member award from the New York Art Therapy Association. It is the highest award given by the association to a person who has been an inspiration to the association and its membership.

“It is truly wonderful to have the chance to practice art therapy, have the chance to help people and see the discipline grow. I’m grateful to have the opportunity to educate students who are using art therapy techniques to help others and expand the reach of the practice,” said St. John who has taught at CNR since 1986.

As a professor and chairperson of the Graduate School Division of Professional and Fine Arts, chairperson of the American Art therapy

APRIL 15

CNR PROFESSOR RECEIVES AWARD

BETHENNY FRANKEL WILL SIGN BOTTLES OF SKINNYGIRL COCKTAILS AND WINE at Stew Leonard’s Wines in Yonkers from noon to 2 p.m. during the store’s Spring Grand Tasting event. During the event, Stew Leonard’s wine specialists will provide samples of select labels from Skinnygirl Cocktails.

Customers are asked to buy at least one bottle of Skinnygirl in order to get in line to meet Bethenny.

Due to time constraints, she is unable to sign other memorabilia at this event. For more information, visit www.skinnygirlcocktails.com.

Previously, top priority has been given to those of the Greatest Generation, that of World War II and terminally ill veterans from other wars.

This is the first flight where so many Korean War veterans were honored and made a special trip to visit the Korean War Memorial.

The flight carried 83 veterans

(24 of whom are Korean War veterans) and 104 volunteers. The itinerary consisted of visiting the World War II Memorial, the Korean War Memorial, Arlington National Cemetery, Tomb of the Unknown Soldier and the Iwo Jima Memorial, before the group returned home from Reagan National Airport.

WCBJ | HV Biz

April 13, 2015

35

GOOD THINGS HAPPENING PHELPS LAB AGAIN RECEIVES ACCREDITATION IN VASCULAR TESTING The Cardiovascular Diagnostic Laboratory at Phelps Memorial Hospital Center in Sleepy Hollow has been granted another three-year term of accreditation in vascular testing in the areas of extracranial cerebrovascular testing, peripheral arterial testing, and peripheral venous testing by the Intersocietal Accreditation Commission (IAC), which grants accreditation only to those facilities that, after a thorough review by a panel of experts, are found to be providing quality patient care in compliance with national standards. Vascular testing accreditation is required in some states and regions by the Cen-

LOCKARD & WECHSLER PROMOTES TWO

Timothy Wages, senior director of ancillary services, James Schechter, registered vascular technologist, and Neha Makhijani, supervisor of the Cardiovascular Diagnostic Lab at Phelps Memorial Hospital Center.

ters for Medicarea and Medicaid Services and by some private insurers.

Tim Wages, senior director of ancillary services at Phelps said, “The IAC accreditation is a nationally rec-

ognized validation of our practice in the diagnosis of vascular-related illnesses. It recognizes the commitment to excellence by our physicians and vascular staff.”

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FACTS & FIGURES Esdee Alpha LLC, Las Vegas, Nev. Seller: Robert Ryan, White Plains.

Property: 30 Washington Blvd., Mount Vernon. Amount: $132,594.

Filed April 7.

Fannie Mae. Seller: Thomas L. Gallivan, White Plains. Property: 12 Hickory Road, Somers. Amount: $300,463.

Filed April 6.

Federal National Mortgage Association. Seller: Clement S. Patti Jr., White Plains. Property: 991 Grant Ave., Pelham. Amount: $652,396.

Filed April 2.

Federal National Mortgage Association. Seller: Theresa M. Danielle, White Plains. Property: 25 Rockledge Ave., 712, White Plains. Amount: $320,539. Filed April 2.

Islamic Community Center of Mid-Westchester, Yonkers. Seller: Chaker John Maghak, Yonkers. Property: 20 Grandview Blvd., Yonkers.

Amount: $750,000. Filed April 7.

Landco Mortgage Bankers Inc., Bayside. Seller: Daniel P. Romano.

Property: 18 Via Trenta Court, Yonkers. Amount: $845,622. Filed April 7.

Lasega Properties Inc., New City.

Seller: Majid Fanik, et al, Yonkers.

Property: 51 Maple St., Yonkers.

Amount: $460,000. Filed April 3.

National Home Investors LLC, Vacaville, Calif. Seller: Robert Ryan, White Plains. Property: 409 Union Ave., Mount Vernon. Amount: $508,464. Filed April 6.

R E C Development and Consulting Corp., White Plains. Seller: Holy Spirit Association for the Unification of World Christianity, New York.

Property: 34 Park Ave., Greenburgh.

Amount: $475,000. Filed April 3.

Rosecliff Homeowners Association Inc., Croton Falls. Seller: Joseph A. Maria, White Plains. Property: 9 Berkley Court, Ossining. Amount: $49,805. Filed April 6.

Setanta Realty Inc., Yonkers. Seller: D and M Dance Realty LLC, Yonkers.

Property: 1455-57 Nepperhan Ave., Yonkers. Amount: $443,000. Filed April 6.

Ten Briggs Lane Corp., Scarsdale.

Seller: Michael J. DiSisto, Valhalla.

Property: 10 Briggs Lane, North Castle. Amount: $412,500. Filed April 6.

U.S. Bank N.A. Seller: Michael George Santangelo, White Plains.

Property: 2854 Lexington Ave., Yorktown. Amount: $788,908. Filed April 3.

Veral Corp., White Plains. Seller: Veronica Hurley, et al, Valhalla. Property: Railroad Ave., Mount Pleasant.

Amount: $325,000. Filed April 2.

Wells Fargo Bank N.A. Seller: Darren DeUrso, White Plains. Property: 59 Spring Pond Drive, Ossining.

Amount: $609,021. Filed April 2.

FORECLOSURES IRVINGTON, 12 Grinnell St. Single-family residence; .06 acre.

Plaintiff: Generation Mortgage Co. Plaintiff ’s attorney: Schiller & Knapp, 516-786-9069; 950 New Loudon Road, Suite 310, Latham. Defendant: Thomas Reale. Referee: Robert Ryan.

Sale: April 1, 11 a.m. Approximate lien: $528,167.85.

MOUNT VERNON, 9-11 Amsterdam Place. Three-family residence; .11 acre. Plaintiff: US Bank National Association.

Plaintiff ’s attorney: Gross Polowy LLC; 1775 Wehrle Drive, Williamsville.

Defendant: Francis Desir. Referee: Barbara Lerman. Sale: April 14, 10 a.m. Approximate lien: $822,228.26.

MOUNT VERNON, 431 Sixth Ave. Two-family residence; .09 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Stein, Wiener & Roth, 516-742-1212; 1 Old Country Road, Suite 113, Carle Place.

Defendant: Sonia Drummond. Referee: James Garvey. Sale: April 1, 10 a.m. Approximate lien: $235,019.06.

OSSINING, 20 Linden Ave. Twofamily residence; .2 acre. Plaintiff: US Bank National Association. Plaintiff ’s attorney: Gross Polowy LLC; 1775 Wehrle Drive, Williamsville. Defendant: Mariana Molina. Referee: Massimo DiFabio. Sale: April 14, 9:30 a.m.

Approximate lien: $598,216.99.

RYE BROOK, 8 Phyllis Place.

Single-family residence; .25 acre.

Plaintiff: JPMorgan Chase Bank NA. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester. Defendant: Kevin O’Shea.

Referee: Paul Noto. Sale: April 8, 10 a.m. Approximate lien: $193,687.75.

YONKERS, 30 Midland Ave. Single-family residence; .17 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester. Defendant: Anna Maj. Referee: Warren Cohen. Sale: April 8, 9 a.m. Approximate lien: $379,230.53.

YONKERS, 34 Roosevelt St. Twofamily residence; .11 acre. Plaintiff: US Bank National Association. Plaintiff ’s attorney: Gross Polowy LLC; 1775 Wehrle Drive, Williamsville. Defendant: Bonifacio Calixto. Referee: Massimo DiFabio. Sale: April 14, 9:30 a.m.

Approximate lien: $574,166.98.

JUDGMENTS AAA Official Contracting Corp., Yonkers. $1,455 in favor of Maestro Contracting Ltd., Mount Vernon.

Filed April 2.

JDH2 Inc., Sleepy Hollow. $99,091 in favor of Nike USA Inc., Beaverton, Ore. Filed April 1.

Navajo Gators, Mohegan Lake. $11,236 in favor of Fresh Concepts LLC, New Haven, Conn. Filed April 1.

Stiloskis Automotive Corp., Tarrytown. $58,732 in favor of Universal Underwriters Insurance Co., Timonium, Md. Filed March 31.

Subway Real Estate Corp., Rye. $15,754 in favor of Rye Greenridge LLC, West Harrison. Filed April 2.

LIS PENDENS

DeMatteis, Joseph, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $500,000 affecting property located at 15 Agate Ave., Ossining 10562. Filed June 19.

Murray, Susan B., as owner. $100,489 as claimed by Bedford Road Contracting Inc., Port Chester.

Property: in Harrison. Filed April 2.

Gavilanes, Lauro, et al. Filed by Citibank N.A. Action: seeks to foreclose on a mortgage to secure $508,000 affecting property located at 1327 Main St., Peekskill 10566. Filed June 18.

NEW BUSINESSES

Grosso, Ronald G. Jr., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $345,000 affecting property located at 200 Weskora Road, Yorktown Heights 10598. Filed June 18.

The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed.

Johnson, Tinaca Carroll, et al.

Filed by Quicken Loans Inc. Action: seeks to foreclose on a mortgage to secure $442,910 affecting property located at 496 Franklin St., Rye Brook 10573. Filed June 18.

Alongi, Thomas, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 226 Highridge Court, Unit 59, Peekskill 10566. Filed June 18.

Naus, Geoffrey, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $252,000 affecting property located at 2 Almar Lane, Katonah 10536. Filed June 19.

Andal, Carmelito C., et al. Filed

by Fannie Mae. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 118 Lee Ave., Yonkers 10705. Filed June 18.

Neal, Peter H., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $65,000 affecting property located at 10 Hampton Terrace, Greenburgh 10607. Filed June 19.

Arce, Pablo, et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 20 Independence Place, Ossining 10562.

Filed June 18.

Ossining Land LLC, et al. Filed

by Heartland Bank. Action: seeks to foreclose on a mortgage to secure $1 million affecting property located at 17, 19, 21 James St., 21 A Hunter St. and 34 State St., Ossining. Filed June 19.

Baum, Glen S., et al. Filed by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $416,250 affecting property located at 1754 Strawberry Road, Mohegan Lake 10547. Filed June 18.

Pallone, Anna, et al. Filed by Financial Freedom Acquisition LLC. Action: seeks to foreclose on a mortgage to secure $813,598 affecting property located at 539 Revere Drive, Yorktown Heights 10598. Filed June 19.

Bicaj, Grisa, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $373,500 affecting property located at 47 High St., Croton-on-Hudson 10520. Filed June 19.

Brown, Robert V., et al. Filed by Waterfall Victoria Mortgage Trust 2010-1. Action: seeks to foreclose on a mortgage to secure $280,000 affecting property located at 25 Fenimore Ave., Yonkers 10701. Filed June 18.

Byfield, Christina, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $472,000 affecting property located at 35 Courter Ave., Yonkers 10705. Filed June 18.

Clarke, Sharon, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $390,500 affecting property located at 187 Hillside Ave., Mount Vernon 10553. Filed June 18.

Poniros, John, et al. Filed by Maspeth Federal Savings and Loan Association. Action: seeks to foreclose on a mortgage to secure $262,500 affecting property located in Greenburgh. Filed June 19.

Rochelle, David, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $324,000 affecting property located at 52 Amber Drive, Crotonon-Hudson 10520. Filed June 19.

MECHANIC’S LIENS Barnegat Road LLC, Pound Ridge. $10,366 as claimed by Schomber Electric LLC. Property: in Pound Ridge. Filed April 3.

Cross County Mall Managing Member, as owner. $310,000 as claimed by Lilco Construction Corp., Bayside. Property: in Yonkers. Filed April 1.

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

Partnerships Duerseas Crew, 25 Leroy Place, Apt. 513, New Rochelle 10805, c/o Diakouwane Diallo and Mohamed Haidara. Filed March 12.

ImproveMi, 44 Cypress Lane, Yorktown Heights 10598, c/o Michael Knorzen and Stephanie Bentancur.

Filed March 13.

Safe and Sane Driving School, 140 McLean Ave., Yonkers 10705, c/o Fredy Guevara and Sheryce Palleja.

Filed March 12.

Sole Proprietorships 1 Theater Arts For the Young at Heart, 10 Teatown Road, Croton-onHudson 10520, c/o Kathryn Graves.

Filed March 12.

Anonymous Ladiez, 729 South St., Peekskill 10566, c/o Quantasia Patterson-Jenkins. Filed March 11.

Block Bustaz Social Club of Westchester N.Y., P.O. Box 3541, Mount Vernon 10553, c/o Rhonda Nicole Henderson. Filed March 12.

Bueno Bonito Barato, 156 Elm St., Yonkers 10701, c/o Jonathan J. Monge.

Filed March 12.

Changing Faces Beauty Bar, 233 S. Fulton Ave., Mount Vernon 10550, c/o Mitzie L. Terry. Filed March 12.

Construction 8, 60 Morrow Ave., No. 7CS, Scarsdale 10583, c/o Andre Meneguini. Filed March 11.

Dibs Reaction Music, 55 Walgrove Ave., Dobbs Ferry 10522, c/o David Shackney. Filed March 13.

ElectFix, 365 North Ave., New Rochelle 10801, c/o Aboudranan Kanoute. Filed March 12.

Hojas, 34 Ashland St., New Rochelle 10801, c/o Julissa Garcia. Filed March 12.

Media Current, 412 Benedict Ave., 4G, Tarrytown 10591, c/o Gregory McNally. Filed March 11.

Orchard Hill Contracting, 40 Barksdale Road, White Plains 10607, c/o Michael Briggs. Filed March 11.

Rags 2 Riches, 1767 Central Park Ave., 141, Yonkers 10710, c/o Mitchell Hendricks. Filed March 12.

Westchester DOT Physicals, 537 N. State Road, Briarcliff Manor 10510, c/o Steve Goodstein. Filed March 12.

Westchester Handyman, 45 Ridgeland Road, South Salem 10590, c/o Chris Zoller. Filed March 11.

PATENTS The following patents were issued by the U.S. Patent and Trademark Office in Washington, D.C. Automatic authorization of users and configuration of software development environment. Patent no. 9,003,494 issued to Matthew G. Marum, Cary, N.C.; Samuel G. Padgett, Raleigh, N.C.; Steven K. Speicher, Holly Springs, N.C.; and Michael J. Tabb, Raleigh, N.C. Assigned to International Business Machines Corp., Armonk.

Classifying files on a mobile computer device. Patent no. 9,003,480 issued to Jonathan M. Barney, Kingston; Carlos A. Hoyos, Brooklyn; Ryan G. Dejana, Longmont, Colo.; and Daniel C. Krook, Fairfield, Conn. Assigned to International Business Machines Corp., Armonk.

Common contiguous memory region optimized long-distance virtual machine migration. Patent no. 9,003,409 issued to Eli M. Dow, Norwood; James P. Gilchrist, Poughkeepsie; Steven K. Schmidt, Essex Junction, Vt.; and Jessie Yu, Wappinger Falls. Assigned to International Business Machines Corp., Armonk.

Computer data communications in a high-speed, low-latency data communications environment.

Patent no. 9,003,428 issued to Kulvir S. Bhogal, Pflugerville, Texas; Paul D. Lewis, Round Rock, Texas; Foluso O. Okunseinde, Austin, Texas; Ramanujam Ravisankar, Austin, Texas; and Cornell G. Wright, Jr., Austin, Texas.

Assigned to International Business Machines Corp., Armonk.

Continuity check monitoring for microchip exploitation detection. Patent no. 9,003,559 issued to Gerald K. Bartley, Rochester, Minn.; Darryl J. Becker, Rochester, Minn.; Paul E. Dahlen, Rochester, Minn.; Philip R. Germann, Oronoco, Minn.; Andrew B. Maki, Rochester, Minn.; Mark O. Maxson, Mantorville, Minn.; and Carl-Otto Nilsen, Rochester, Minn. Assigned to International Business Machines Corp., Armonk.

Mothers Collection, 138 S. Broadway, Apt. 1D, Yonkers 10701, c/o Pentella Needham. Filed March 11.

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April 13, 2015

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FACTS & FIGURES Processor with resource usage counters for per-thread accounting. Patent no. 9,003,417 issued to William Joseph Armstrong, Rochester, Minn.; Michael Stephen Floyd, Austin, Texas; Ronald Nick Kalla, Round Rock, Texas; Larry Scott Leitner, Austin, Texas; and Balaram Sinharoy, Poughkeepsie. Assigned to International Business Machines Corp., Armonk.

430 Robinson Avenue LLC, New Hampton. Seller: MDA LLC, Newburgh. Property: in Newburgh.

Amount: $305,000. Filed March 31.

ANR Holdings LLC, Nyack. Seller: Robert A. Giuffra, Washingtonville. Property: in Blooming Grove.

Amount: $45,000. Filed March 31.

BUILDING LOANS Above $1 million Maple Avenue Onions LLC, New Hampton, as owner. Lender: Ulster Savings Bank, Kingston. Property: 317 Maple Ave., Goshen. Amount: $2 million. Filed April 1.

Below $1 million Newburgh Housing Development Fund Company Inc., as owner. Lender: CPC Funding SPE 1 LLC. Property: 13 Chambers St., Newburgh. Amount: $300,000. Filed March 31.

Santiago, Guillermo, et al, Brooklyn, as owner. Lender: Ulster Savings Bank, Kingston. Property: 91 Ridgewood Road, Rochester 12446.

Amount: $732,000. Filed April 2.

Tortorici, Jonathan, et al, New Paltz, as owner. Lender: Payment Plans Inc., Elma. Property: 90 Horsenden Road, New Paltz 12561.

Amount: $207,788. Filed April 2.

DEEDS Above $1 million Kulnoor Enterprises LLC, Beacon. Seller: Rahhal Holding LLC, New Paltz. Property: in Beacon. Amount: $1.1 million. Filed April 2.

Lehigh Court Associates LLC, Morristown, N.J. Seller: Columbia QC Kingston II LLC, Morristown, N.J. Property: 630 Washington Ave. and 8-18 Powell Lane, Ulster. Amount: $5.8 million. Filed March 31.

Qualmar Corp., New Windsor. Seller: Main Street Beacon LLC, Beacon.

Property: in Beacon. Amount: $1 million. Filed April 2.

The Warwick Yard LLC, Warwick.

Seller: Warwick Valley Local Development Corp., Warwick. Property: in Warwick. Amount: $1.7 million. Filed March 31.

April 13, 2015

10 Lemberg LLC, Monroe. Seller: Lemberg Gardens LLC, Monroe.

Property: in Monroe. Amount: $200,000. Filed April 1.

5 Lizensk LLC, Monroe. Seller: Congregation Avnei Zedek, Monroe. Property: in Monroe. Amount: $275,000. Filed April 1.

HUDSON VALLEY

38

Below $1 million

Burleigh Road LLC, Palm Beach Gardens, Fla. Seller: John Gill, Kingston. Property: in New Paltz and Esopus. Amount: $295,000.

Filed March 31.

Champion Properties Inc., Hyde Park. Seller: Montage Properties Inc., Hyde Park. Property: in Poughkeepsie. Amount: $152,000. Filed March 31.

Congregation Bais Yekesiel Yehida D’Limenuv, Brooklyn. Seller: Beirach Moshe Gardens Inc., Monroe. Property: in Monroe. Amount: $285,000. Filed April 1.

CWI Landholdings LLC, Walden.

Seller: Ari Breslauer, Maybrook.

Property: in Montgomery. Amount: $68,500. Filed April 6.

Deutsche Bank National Trust Co. Seller: Ryan Scott Karben, Pomona. Property: 269 N. Plank Road, Newburgh 12550. Amount: $347,971.

Filed March 31.

Doghouse Realty LLC, Warwick.

Seller: Warwick Commercial Properties LLC, Warwick. Property: 62 Galloway Road, Warwick. Amount: $280,000. Filed March 31.

ES Holdings LLC, Monroe. Seller: JPMorgan Chase Bank N.A. Property: 210 Greenwich Ave., Goshen 10924.

Amount: $120,750. Filed March 31.

Federal Home Loan Mortgage Corp. Seller: Antonio Raposo, et al, Wallkill. Property: in Wallkill.

Amount: $305,929. Filed April 6.

Federal Home Loan Mortgage Corp. Seller: Edward Bruno, Pine Bush. Property: 286 Browns Road, Walden 12586. Amount: $295,641.

Filed April 6.

Federal National Mortgage Association. Seller: Maryann Jackaway.

Property: 155 Clinton Ave., Kingston 12401. Amount: $194,310. Filed April 3.

Federal National Mortgage Association. Seller: Raju Sundaran, Walden. Property: 14 Sanford Ave., Chester 10918. Amount: $336,036.

Filed April 6.

WCBJ | HV Biz

Hudson Todd LLC, New York City.

Seller: Claude Stewart, Beacon. Property: in Beacon. Amount: $132,000.

Filed March 30.

Hudson Todd LLC, New York City.

Seller: Kathleen M. Matson, Beacon.

Property: 11 Tompkins Ave., Beacon 12508. Amount: $215,000. Filed March 30.

L and R of Ulster Inc., Lake Katrine. Seller: Noel Cappelletti, et al, Poughkeepsie. Property: in Ulster.

Amount: $200,000. Filed March 31.

L D Z Properties Inc., Pleasant Valley. Seller: Susan B. Apa, Southport, N.C. Property: in Poughkeepsie.

Amount: $401,000. Filed April 3.

Middletown Capital LLC, Brooklyn. Seller: Kelli O’Brien. Property: in Middletown. Amount: $650,000.

Filed March 31.

Molacur LLC, Pittsburgh, Pa. Seller: Leslie E. Kirby, et al, Middletown.

Property: in Wawayanda. Amount: $80,000. Filed March 31.

Nationstar Mortgage LLC. Seller: Hyman G. Goldman, et al, Saint Augustine, Fla. Property: 810 Blooming Grove Turnpike, Apt. 7, New Windsor 12553. Amount: $140,992. Filed April 6.

NMLS Two LLC, Monroe. Seller: 19 Forest Road LLC, Monroe. Property: in Monroe. Amount: $525,000. Filed April 1.

Norris Quality Trimmers Inc., Goshen. Seller: Donna M. Sorrentino, Hobe Sound, Fla. Property: in Chester. Amount: $58,000. Filed March 31.

Orange County Chinese Christian Church, Campbell Hall. Seller: Robert C. Hendler, et al, Boca Raton, Fla. Property: in Goshen. Amount: $175,000. Filed March 31.

Park Lane Properties Inc., Yorktown Heights. Seller: Toll Land VI LP, Horsham, Penn. Property: in Fishkill.

Amount: $450,000. Filed April 3.

Random Properties Acquisition Corporation III, Irvine, Calif. Seller: Ralph Beisner, Hyde Park. Property: 11 Digger Phelps Court, Beacon 12508.

Amount: $376,500. Filed March 30.

Ravenhouse Inc., Brewster. Seller: Elsa Arenas, Kingston. Property: 316 Wall St., Kingston 12401. Amount: $329,000. Filed March 30.

Rhinebeck Realty LLC, Millwood.

Seller: BenMar Realty Ltd., Red Hook.

Property: 1030 Route 82, Hopewell Junction 12533. Amount: $850,000.

Filed April 2.

Selene Finance LP. Seller: Bijal Mahesh, Pearl River. Property: 329 Quaker St., Newburgh 12589. Amount: $491,400. Filed April 2.

Shmonie Corp., Brooklyn. Seller: Zigmund Klein, Brooklyn. Property: 80 Seven Springs Road, Highland Mills 10930. Amount: $375,000. Filed April 3.

SM Fullerton Ave LLC, Newburgh.

Seller: George S. Baltsas, et al, New Windsor. Property: 297 Fullerton Ave., Newburgh 12550. Amount: $235,000. Filed April 1.

Stan 15 LLC, New Paltz. Seller: Carimakel Realty LLC, Fishkill. Property: in New Paltz. Amount: $377,500. Filed March 30.

The Burton and Linda Pugach Charitable Foundation, Monroe.

Seller: Prag Realty Inc., Monroe. Property: 2 Sasev Court, Units S001 and S002, Monroe. Amount: $300,000.

Filed April 1.

Tomjac Realty Corp., Accord. Seller: Emily Walther, Wurtsboro. Property: in Deerpark. Amount: $30,000.

Filed March 31.

Alessia Hi-Di Inc., d.b.a. Gateway Diner of Highland, Highland. $2,811 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed March 30.

Behavioral Solutions NY Inc., Warwick. $4,694 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

Brice Discount Beverage Inc., Kingston. $76 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed March 30.

Carmine’s Bakery Inc., Middletown. $1,695 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 1.

Cass Construction and Restoration Inc., Chester. $2,672 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

ML Fisher Construction Services Inc., Woodstock. $1,383 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed March 30.

Names of Fame Inc., Newburgh. $377 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 1.

Nordahl Hardwood Flooring Inc., Pine Bush. $337 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

Oakleaf Associates Inc., Thompson Ridge. $1,974 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 1.

Paving Solutions Inc., Monroe. $8,691 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany.

Filed Dec. 2.

Cyberglide Technologies Inc., Washingtonville. $8,273 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 1.

Pete’s Communication and Technolo�y Corp., d.b.a. Mid Hudson Communications, Bullville. $3,316 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

Diamond Jewel’s Up-Scale ReSale, Montgomery. $5,231 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 1.

Robert Howell Landscaping, Warwick. $1,064 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 2.

Fisher Asphalt Paving Inc., Pine Island. $1,604 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

St. Anthony Community Hospital, Warwick. $823 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

Grand Prix Auto Inc., Johnson. $515 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany.

Filed Dec. 2.

St. Francis Center at the Knolls Inc., Warwick. $1,005 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

Wells Fargo Bank N.A. Seller: John E. Guck, et al, Goshen. Property: 22 Blumel Road, Middletown 10941.

Amount: $107,500. Filed April 6.

Hoot Owl Bar and Grill Inc., d.b.a.

The New Hoot Owl Clam Bar and Pizzeria, Pine Bush. $418 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

Summit Occupational Therapy PC, Warwick. $3,342 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 2.

Wells Fargo Bank N.A. Seller: Michael E. Catania, Newburgh. Property: 100 Howells Turnpike, Middletown 10940. Amount: $419,776. Filed April 6.

Hudson Valley Nursery and Outdoor Living Center Inc., New Hampton. $789 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 1.

Z and B Estates LLC, Monroe.

Seller: Noam Estates LLC, Monroe.

Property: 4 Yoel Klein Blvd., Monroe 10950. Amount: $600,000. Filed April 1.

Jenny’s Petite Cuisine LLC, Warwick. $597 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 1.

Swift Construction of Ulster County Inc., Saugerties. $2,109 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed March 30.

Mid Hudson Heinz Plastics USA Inc., Newburgh. $10,885 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

Tekton Development Corp., Middletown. $17,850 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

Millennium Consulting Bureau LLC, Washingtonville. $6,255 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Dec. 2.

The Country Dream Restaurant, Warwick. $13,135 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 1.

U.S. Bank Trust N.A. Seller: Diane Platt Keil, et al, Poughkeepsie. Property: 26 Barbara Lane, Pleasant Valley 12569. Amount: $136,000. Filed April 2.

U.S. Bank Trust N.A. Seller: Julie A. Weinstein, New City. Property: 56-58 Fowler St., Port Jervis 12771. Amount: $178,868. Filed April 2.

U.S. Bank Trust N.A. Seller: Laurence A. Clemente, Goshen. Property: 8 Spruce Hill Court, Chester.

Amount: $420,000. Filed April 6.

U.S. Bank Trust N.A. Seller: Lee D. Klein, Poughkeepsie. Property: 39 Thompson Lane, Stanfordville 12581.

Amount: $251,000. Filed April 3.

Van Buren Equities Corp., Monroe. Seller: HR Marketing Corp., Monroe. Property: 28 Van Buren Drive, Unit 201, Monroe 10950. Amount: $80,000. Filed April 1.

JUDGMENTS 5L Enterprises Inc., Middletown. $5,659 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany.

Filed Dec. 2.

Superior Collection Inc., Middletown. $2,908 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 1.

FACTS & FIGURES LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed.

Abenante, Janine, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $218,568 affecting property located at 155 Franke Road, Huguenot 12746.

Filed Sept. 12.

Alpert, Lonny, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $265,500 affecting property located at 7 Birchwood Court, Washingtonville 10992. Filed Sept. 18.

Arias, Fredy, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $225,000 affecting property located at 1280 Union Ave., Newburgh 12550. Filed Sept. 16.

Arroyo, Anthony, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $199,750 affecting property located at 1962 Route 17K, Montgomery 12549. Filed Sept. 17.

Banks, Michael A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $120,000 affecting property located at 1190 Lakes Road, Warwick 10901.

Filed Sept. 15.

Belton, Terry T., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $265,567 affecting property located at 347 Shelly Road, New Windsor 12553. Filed Sept. 17.

Betancourt, Jessica, 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 235 Daniher Ave., New Windsor 12553. Filed Sept. 23.

Both, Richard, individually and as trustee under the Richard Both and Jane Both Living Trust, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $182,634 affecting property located at 758 Route 42, Sparrow Bush 12780. Filed Sept. 12.

Burdine, Henry, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $131,246 affecting property located at 513 Crescent Ave., Highland 12528.

Filed March 31.

Burris, Raymond, et al. Filed

by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $163,000 affecting property located at 85 Bellevernon Ave., Middletown 10940.

Filed Sept. 16.

Cadetnichols, Tamara, 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 47 Heinsman Lane, Newburgh 12589. Filed Sept. 16.

Conklin, Steven J., et al. Filed by Santander Bank N.A. Action: seeks to foreclose on a mortgage to secure $221,000 affecting property located at 1745 Kings Highway, Chester 10918.

Filed Sept. 22.

Dixon, Raymond, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $367,957 affecting property located at 1848 Route 302, Circleville 10919.

Filed Sept. 22.

Hansen, Fred, et al. Filed by Ulster Savings Bank. Action: seeks to foreclose on a mortgage to secure $276,100 affecting property located at 115 and 125 Palaphene Road, Esopus 12561. Filed April 1.

Lomauro, Eric, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $234,668 affecting property located at 33 Wickham Drive, Warwick 10990. Filed Sept. 12.

Campos, Francis, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $194,000 affecting property located at 62 Belmont Ave., Middletown 10940. Filed Sept. 12.

Cozzupoli, Roseann F., et al. Filed

by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $454,046 affecting property located at 16 Russell Road, Newburgh 12550. Filed Sept. 12.

Dore, Ronald, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $395,000 affecting property located at 257 Hortons Road, Westtown 10998. Filed Sept. 15.

Hristopoulos, Georgios, et al.

Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $365,000 affecting property located at 46 Teplitz Court, Montgomery 12549. Filed Sept. 22.

Matos, Yocasta, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $223,920 affecting property located at 42 Huckleberry Turnpike, Plattekill 12568. Filed March 31.

Carlson, Renee, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $184,500 affecting property located at 512 Ashokan Road, Kingston 12401. Filed April 3.

Cutler, Redginold D., et al. Filed by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $68,542 affecting property located at 8 Bennett St., Port Jervis 12771. Filed Sept. 15.

Edwards, Pearson S., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 23 Woodland Ave., Middletown 10940. Filed Sept. 19.

Carr, Alicia M., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $183,500 affecting property located at 14 Old Anvil Lane, Middletown 10940. Filed Sept. 18.

Dariano, Steven, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $129,000 affecting property located at 20 Powder Mill Road, Newburgh 12550. Filed Sept. 23.

Elberth, Maryann, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $135,000 affecting property located at 11 Maryann Lane, Otisville 10963. Filed Sept. 12.

Carroll, Willis, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $302,400 affecting property located at 81 Walton Terrace, Monroe 10950. Filed Sept. 16.

Davidson, Lenora E., et al. Filed

by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $102,000 affecting property located at 28 Cedar Trail, Monroe 10950. Filed Sept. 22.

Estevez, Deborah M., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 421 Watts Lane, Maybrook 12543. Filed Sept. 22.

Caruso, Joseph C., et al. Filed by Christiana Trust. Action: seeks to foreclose on a mortgage to secure $252,793 affecting property located at 262 Long Lane, Bloomingburg 12721. Filed Sept. 18.

Davies, D. James, et al. Filed by Richard Steinberg and Ronald Steinberg. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 88-90 Front St., Port Jervis 12771. Filed Sept. 17.

Fede, James, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $280,000 affecting property located at 38 Lindsey Ave., Warwick 10990.

Filed Sept. 16.

Chacon, Victor, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 49 Points of View, Warwick 10990. Filed Sept. 12.

CioďŹƒ, Louis J. III, et al. Filed by First Horizon Home Loans. Action: seeks to foreclose on a mortgage to secure $416,250 affecting property located at 565 Angola Road, Cornwall-on-Hudson 12520. Filed Sept. 19.

Cobb, Joseph R., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $229,500 affecting property located at 16 Maple St., Newburgh 12550.

Filed Sept. 19.

Cocciardi, Donald E., et al. Filed

by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $137,200 affecting property located at 93 Carson Ave., Newburgh 12550. Filed Sept. 17.

Cohen, David H., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $284,900 affecting property located at 133 Stein Road, Pine Bush 12566. Filed April 3.

Conklin, Ruth Ann, 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 3 Chestnut St., Greenwood Lake 10925. Filed Sept. 16.

Decker-Rodriguez, Barbara, et al. Filed by Hudson Heritage Federal Credit Union. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 38 Spring St., Middletown 10940. Filed Sept. 15.

Del Pezzo, Nicholas E., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $128,000 affecting property located at 45 Hanratty St., Kingston 12401.

Filed March 31.

Delarosa, Seilin, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $280,000 affecting property located at 8 Valley View Ave., Monroe 10950.

Filed Sept. 23.

Deloughery, Brian K., et al. Filed

by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $200,500 affecting property located at 18 Palamar Drive, Monroe 10950. Filed Sept. 19.

Demshick, Amanda R., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 9 Hill Top Lane, Pine Bush 12566.

Filed April 1.

Desai, Rupal, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $268,000 affecting property located at 13 Waterford Circle, Washingtonville 10992. Filed Sept. 16.

Ford, Barbara A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $185,000 affecting property located at 26 Gail Place, Newburgh 12550.

Filed Sept. 17.

Frey, Kevin M., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $284,728 affecting property located at 20 Prospect Ave., Goshen 10924. Filed Sept. 18.

Goday, Dale, et al. Filed by Arthur G. Freer and Lori A. Henry. Action: seeks to foreclose on a mortgage to secure $77,000 affecting property located in Saugerties. Filed March 30.

Gramazio, Anthony, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $185,000 affecting property located at 106 Lakes Road, Monroe 10950. Filed Sept. 12.

Gratis, Virginia, et al. Filed by MidHudson Valley Federal Credit Union.

Action: seeks to foreclose on a mortgage to secure $38,116 affecting property located at 187 Mohonk Road, Marbletown. Filed April 3.

Guthrie, Nelly, et al. Filed by Pennymac Loan Services LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 35 Robertson Drive, Middletown 10940.

Filed Sept. 23.

Indig, Yvette, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $165,600 affecting property located at 67 Linden Ave., Middletown 10940. Filed Sept. 15.

Johnson, Robert Tage, et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $240,000 affecting property located at 14 Tower Hill Drive, Washingtonville 10992. Filed Sept. 19.

Khan, Mumtaz B., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $283,500 affecting property located at 21 Oxford Lane, Harriman 10926. Filed Sept. 15.

Krauss, Joseph, et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $202,991 affecting property located at 2 McNamara Lane, Goshen 10924. Filed Sept. 22.

Langon, Lester F., et al. Filed by Household Finance Realty Corporation of New York. Action: seeks to foreclose on a mortgage to secure $30,000 affecting property located at 42 Stickles Ave., Kingston 12401.

Filed March 31.

Lawrence, Wayne, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 42 Patio Road, Middletown 10941. Filed Sept. 18.

Lee, Mingo, et al. Filed by Hudson City Savings Bank. Action: seeks to foreclose on a mortgage to secure $656,200 affecting property located at 120 Edgemere Ave., Warwick. Filed Sept. 12.

Leonard, Jerey S., as administrator and distributee of the estate of Russell Leonard, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $125,100 affecting property located at 246 Depoalo Lane, Glasco 12432. Filed March 31.

Lichtenstein, Zev, et al. Filed by the State of New York Mortgage Agency. Action: seeks to foreclose on a mortgage to secure $108,000 affecting property located at 2 Getzil Berger Blvd., Unit 302, Kiryas Joel 10950. Filed Sept. 23.

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McGuinniss, Kevin, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $185,000 affecting property located at 612 Hoagerburgh Road, Wallkill 12589. Filed April 2.

Mendez, Alejandro, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $226,000 affecting property located at 16 Wilbur Ave., Middletown 10940.

Filed Sept. 19.

Messina, David C., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $387,255 affecting property located at 172 Fawn Hill Road, Tuxedo Park 10987. Filed Sept. 18.

Metaxas, Robert A., et al. Filed by The Bank of New York Mellon Corp.

Action: seeks to foreclose on a mortgage to secure $426,000 affecting property located at 28 Sloane Road, Newburgh 12550. Filed Sept. 19.

Miller, Debra, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $149,850 affecting property located at 33 Plattekill Drive, Mount Marion 12456. Filed March 30.

Milosevski, Ljupco, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $78,350 affecting property located at 53 Mulberry St., Middletown 10940.

Filed Sept. 19.

Mulqueen, Maureen, et al. Filed

by West Coast Servicing Inc. Action: seeks to foreclose on a mortgage to secure $260,000 affecting property located at 10 Frederick Drive, Monroe. Filed Sept. 12.

Noel, Alisha, et al. Filed by Flagstar Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $318,590 affecting property located at 24 Hibbing Way, Newburgh 12550. Filed Sept. 15.

Parker, Brian, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $135,200 affecting property located at 424 Carpenter Ave., Apt. 11, Newburgh 12550.

Filed Sept. 23.

Payen, Succene, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $260,000 affecting property located at 39-41 Monhagen Ave., Middletown 10940. Filed Sept. 17.

April 13, 2015

39

FACTS & FIGURES Peguero, Henrique, et al. Filed by HomeBridge Financial Services Inc. Action: seeks to foreclose on a mortgage to secure $300,457 affecting property located at 34 Beverly Road, Mount Hope 10940. Filed Sept. 18.

Santiago, Luis A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $248,417 affecting property located at 6 Sterling Circle, Wallkill 12589.

Filed Sept. 12.

Vagnini, Steven, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $220,500 affecting property located at 93 Celery Ave., New Hampton 10958. Filed Sept. 19.

Peralta, Rosa L., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $292,000 affecting property located at 2 Marc Terrace, Monroe 10950.

Filed Sept. 23.

Schulterbrandt, Franklyn A., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 36 West St., Newburgh 12550. Filed Sept. 16.

Valentine, Jeanne M., et al. Filed

by Flagstar Bank FSB. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 129 Purgatory Road, Campbell Hall 10916. Filed Sept. 23.

Phillips, Eckert, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $323,645 affecting property located at 11 Evergreen Lane, Walden 12586.

Filed Sept. 19.

Slonim, Norman, et al. Filed by OneWest Bank N.A. Action: seeks to foreclose on a mortgage to secure $357,000 affecting property located at 37 Magnolia Lane, Warwick 10990.

Filed Sept. 22.

Velez, Luis, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $206,010 affecting property located at 5 Gardner Ave., Middletown 10940.

Filed Sept. 22.

Pike, Dawn Millen, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $208,000 affecting property located at 18 Prospect Ave., Wallkill 10940.

Filed Sept. 17.

Spann, Douglas, et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $151,210 affecting property located at 14-16 Lafayette Ave., Middletown 10940. Filed Sept. 23.

Velez, Ronald, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $149,500 affecting property located at 35 Black Stallion Court, Middletown 10940. Filed Sept. 19.

Raccioppi, Michael, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 846 Greenville Turnpike, Greenville 10940. Filed Sept. 18.

Spiegel, Harry, individually and as trustee of the Harry Spiegel Revocable Trust, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $920,000 affecting property located at 24 Jill Road, Highland Mills 10930. Filed Sept. 12.

Walker, Jonathan G., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $258,640 affecting property located at 28 Doris Lane, Lake Katrine 12449.

Filed March 31.

Ramos, Philip, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $213,350 affecting property located at 13 Jason Court, Newburgh 12550.

Filed Sept. 12.

Revella, Nicholas Jr., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 79 Jessup Switch Road, Goshen 10924. Filed Sept. 12.

Rhoades, Michelle Diane, et al.

Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $127,500 affecting property located at 141 Excelsior Ave., Middletown 10940. Filed Sept. 15.

Robinson, Jacqueline, et al. Filed

by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 22 Mayer Drive, Middletown 10940. Filed Sept. 23.

Rodriguez, Leslie, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $279,581 affecting property located at 2 Fleetwood Drive, Goshen 10924.

Filed Sept. 15.

Rosario, Miguel A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $283,753 affecting property located at 25 Hickory Hill Road, Newburgh 12550. Filed Sept. 22.

Ruggiero, Christine A., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $237,000 affecting property located at 102 Felter Hill Road, Washingtonville 10992. Filed Sept. 19.

40

April 13, 2015

Steimle, Gary, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $224,000 affecting property located at 22 Vetri Road, Goshen 10924. Filed Sept. 17.

Stillman, Kathleen, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $208,000 affecting property located at 113 Kelly Ave., Crawford 12566.

Filed Sept. 19.

Straub, Claudine A., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $27,305 affecting property located at 32 Tompkins St., Kingston 12401.

Filed April 3.

Strong, John A., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $162,300 affecting property located at 54 Sloane Road, Newburgh 12550.

Filed Sept. 16.

Taylor, James W., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $168,000 affecting property located at 21 Hasbrouck St., Newburgh 12550. Filed Sept. 12.

Theofanides, George, et al. Filed

by Wilmington Trust Co. Action: seeks to foreclose on a mortgage to secure $171,000 affecting property located at 48 Farmingdale Road, Chester. Filed Sept. 12.

Touponse, Cheryl, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 24 Gardner St., Newburgh 12550. Filed Sept. 12.

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Wentink, John, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $212,802 affecting property located at 720 Homestead Ave., Maybrook 12543. Filed Sept. 16.

Wild, Wayne T., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $115,000 affecting property located at 71 Howell St., Pine Bush 12566.

Filed Sept. 22.

Williams, Reginald, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $280,000 affecting property located at 4 Highview Court, Highland Mills 10930. Filed Sept. 18.

Williams, Stacy A., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $391,200 affecting property located at 6 Summit Ridge Road, Newburgh 12550. Filed Sept. 18.

Wilson, Spencer, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $167,150 affecting property located at 188 Wrentham St., Kingston 12401.

Filed April 2.

Young, April J., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $98,000 affecting property located at 19 Plattekill Drive, Mount Marion 12456. Filed April 2.

Zasuly, Michael, et al. Filed by Capital One N.A. Action: seeks to foreclose on a mortgage to secure $550,000 affecting property located at 6 Raycliffe Drive, Woodstock 12498. Filed April 2.

MECHANIC’S LIENS Cain, Patrick, et al, as owner. $2,378 as claimed by Brian Kieck Tile, Walden. Property: 4 Castleton Drive, Woodbury. Filed April 3.

Great Palace Realty LLC, as owner. $10,930 as claimed by Patriot Sawcutting Inc., Englewood, N.J. Property: 5 Lakeside Drive, Newburgh. Filed April 7.

Iarusso, John, Danbury, Conn., as owner. $63,379 as claimed by C2G Environmental Consultants LLC, New Paltz. Property: 41 South St., Shandaken. Filed April 3.

Rothe, Kris J., Saugerties, as owner. $5,948 as claimed by Rooter Plumbing Hudson Valley Inc., Pleasant Valley. Property: 33 Blue Mountain Church Road, Saugerties 12477. Filed March 31.

Three To One LLC, as owner. $354,000 as claimed by Retail Construction Inc., Fishkill. Property: 848 Violet Ave., Hyde Park. Filed April 3.

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

Doing Business As Weichert Inc., d.b.a. Weichert Realtors, 400 Rella Blvd., Suite 206, Suffern 10901. Filed June 20.

World of Pawn Inc., d.b.a. World of Pawn Jewelry and More, 280 E. Route 211, Middletown 10940. Filed June 20.

Partnerships Benjamin’s Day Care, 62 River Road, New Paltz 12561, c/o Lisa Benjamin and Abigail Benjamin. Filed March 31.

Upstate Granola, 65 Tinker St., Woodstock 12498, c/o Sara M. Bear and Corey Alan Bear. Filed April 3.

Sole Proprietorships ASUAB Basics, 17 Stella Drive, Gardiner 12525, c/o Arlene Kershner.

Filed March 31.

Botanica Massage and Wellness, 21 S. Chestnut St., New Paltz 12561, c/o Jenny L. Baltazar. Filed March 30.

Charlie Pane Designs, 6 Virginia Ave., Monroe 10950, c/o Charlton Alfred Pane. Filed June 17.

David’s Hot Dogs, 237 Third St., Newburgh 12550, c/o David TorresOrtega. Filed June 17.

Romosa, 394 Beaverkill Road, Olivebridge 12461, c/o Satya D. Scanlon.

Filed March 30.

Essjay Consulting, 49 Lounsbury Place, Kingston 12401, c/o Sarah Martha Jacob. Filed March 31.

Sakinah Irizarry, LMT, 340 Main St., Second floor, Saugerties 12477, c/o Sakinah Irizarry. Filed April 3.

Fran’s Baked Goods, 25 Arbor Court, Warwick 10990, c/o Frances Lawrence. Filed June 23.

Sorbello’s Agricultural Services, 170 Martin Ave., Highland 12528, c/o Dominick R. Sorbello. Filed March 31.

Good Artitude, P.O. Box 464, Saugerties 12477, c/o Raychel A. Wengenroth. Filed March 31.

Stratton Construction, 231 Cherry Hill Road, Accord 12404, c/o Maxwell L. Stratton. Filed April 2.

Grout Re-New, 1206 Honey Locust Court, Highland Mills 10930, c/o Barry Kolb. Filed June 23.

Sunstruck Consulting, 140 Grassy Ridge Road, Olivebridge 12461, c/o Lloyd S. Hoffstatter. Filed April 3.

Hoops Auto Transport, P.O. Box 28, Marlboro 12542, c/o Carl John Hooper. Filed March 30.

THBB, P.O. Box 3953, Kingston 12402, c/o Troy J. Carpino. Filed April 3.

KBK Reptiles, 1291 Union Ave., Newburgh 12550, c/o Kyle Crill. Filed June 17.

The Swamp Fox School of Survival, 111 Peekamoose Road, Sundown 12740, c/o Joseph F. Comando. Filed March 30.

KCK Construction, 466 Old Mountain Road, Port Jervis 12771, c/o Matthew A. Flanagan. Filed June 18.

Total Cleanups, 612 N. Chodikee Lake Road, Highland 12528, c/o Christine D. Sorbello. Filed March 31.

Lane Office Furniture, 128 S. Rondout Drive, Kingston 12401, c/o Jarrett D. Tinsley-Gibson. Filed March 31.

Woodstock Gardens, 1920 Glasco Turnpike, Woodstock 12498, c/o Elaine M. Grega. Filed April 1.

Lorenzo’s Contracting, 85 Clinton Ave., Apt.1, Kingston 12401, c/o Sierra Maria Starr. Filed March 30.

Yangma Traditional Weavers Cooperative, 875 Route 28, Kingston 12401, c/o Stephen C. Drago. Filed March 31.

Lyte Head Conceptz Studio’s, 436 Robinson Ave., Newburgh, c/o Patrice Matthews. Filed June 20.

Mind Shaper SLP, 50 Cantrell Ave., Apt. 6C, Middletown 10940, c/o Rebecca Ann Robbins. Filed June 23.

O’Brien Security Services, 8 Roosa Road, Wallkill 12589, c/o Peter M. O’Brien. Filed April 1.

Quality Remodeling and Construction, 94 Livingston St., Saugerties 12477, c/o Timothy Heckler.

Filed April 1.

R and S Enterprise II, 92 Wickham Ave., Middletown, c/o Sandra M. De Dios. Filed June 19.

R.L.A. Distribution, 1148 Burlingham Road, Pine Bush 12566, c/o Richard L. Alfieri. Filed March 31.

Raychel A. Wengenroth, P.O. Box 464, Saugerties 12477, c/o Raychel A. Wengenroth. Filed March 31.

RDV Contracting, 41 Berwynn Road, Harriman 10926, c/o Ryan C. DeValue. Filed June 19.

Rock City, 40 Main St., Pine Bush, c/o Scott S. DeEntremont. Filed June 19.

Yellow Dog Home Repairs, 7 Wilson Road, Cornwall-on-Hudson 12520, c/o Steven Gitin. Filed June 19.

Region-based sharing of pictures. Patent no. 9,003,555 issued to David B. Lection, Raleigh, N.C.; and William G. Pagan, Durham, N.C. Assigned to International Business Machines Corp., Armonk.

Resolving RCU-scheduler deadlocks. Patent no. 9,003,420 issued to Paul E. McKenney, Beaverton, Ore. Assigned to International Business Machines Corp., Armonk.

Uniformly transforming the characteristics of a production environment. Patent no. 9,003,483 issued to Annemarie R. Fitterer, Austin, Texas; Nicholas S. Lloyd, Round Rock, Texas; Rama Mohan Thulasi Reddy, Austin, Texas; and Aruna Yedavilli, Austin, Texas. Assigned to International Business Machines Corp., Armonk.

Virtual computer and service.

Patent no. 9,003,503 issued to Peter P. Rodriguez, Pleasanton, Calif. Assigned to International Business Machines Corp., Armonk.

LEGAL NOTICES Notice of Cert. of Conv. of Redhead Writes, a general partnership, to Redhead Writes LLC, a limited liability company (LLC).

Cert. of Conversion filed with SS NY on 2/18/15. Office location: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of any process to: c/o The LLC, 8 Riverview Terr., Irvington, NY 10533.Purpose: to engage in any lawful act or activity. #59850 KIMBALL DENTISTRY, PLLC, a Prof.

LLC. Arts. of Org. filed with the SSNY on 02/23/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 300 Kimball Ave., Yonkers, NY 10704. Purpose: To practice the profession of Dentistry. #59864 NOTICE OF FORMATION OF 4 SCOTT CIRCLE PARTNERS, LLC. Arts of Org filed with Secy of State of NY (SSNY) on 01/07/15. Office location: Westchester County.

SSNY designated agent upon whom process maybe served and shall mail copy of process against LLC to principal business address: 645 N. Broadway,White Plains, NY 10603. Purpose: any lawful act. #59865 Notice of formation of Limited Liability Company (LLC). Name: STAY PRAYED UP, LLC (stayprayerful.org). Articles of Organization were filed with the Secretary of State of New York (SSNY) on 02/02/15. 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: C/O STAY PRAYED UP, LLC, 77 Locust Hill Ave. Apt. 329, Yonkers NY 10701.

Purpose: Any Lawful Purpose. #59866 Notice of Formation of Shorepoint Holdings, LLC Art. Of Org. filed with SSNY on 2/27/2015. Office Location: Westchester Cty. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to:Kurt Reich, 624 Oakhurst Rd.Mamaroneck NY 10543.Purpose: any lawful purpose. #59867 Notice of Formation of Rockland Capital LLC. Arts of Org. filed with NY Secy of State (SSNY) on 2/27/15. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 3 Stratford Road, Larchmont, New York 10538. Purpose: any lawful activity. #59868 Notice of Formation of Greenberg & Chester LLC. Art. Of Org. filed with SSNY on 1/23/15. Office in Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 141 Nob Hill Dr. Elmsford, NY, 10523. Purpose: any lawful purpose. #59870 NOVO CAPITAL ADVISORS LLC, Arts. of Org. filed with the SSNY on 03/03/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Michael Nessim, 530 E. 76th St., #9C, NY, NY 10021.

Purpose: Any Lawful Purpose. #59871

MP FISH LLC, Arts. of Org. filed with the SSNY on 03/03/2015.

Office loc: Westchester County.

SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: C/O Steinvurzel & Levy Law Group, 34 South Broadway, White Plains, NY 10601.

Purpose: Any Lawful Purpose. #59872 PBGS LA ROCHELLE REALTY, LLC, a domestic LLC, filed with the SSNY on 2/17/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 510 North Ave., New Rochelle, NY 10801. General Purposes. #59873 85-87 GAINSBORG AVE LLC , a domestic LLC, filed with the SSNY on 2/5/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Robert Barbera, 4 Mayfair Rd., Elmsford, NY 10523. General Purposes. #59874 321 E 93 LLC, a domestic LLC, filed with the SSNY on 5/25/05. Office location: Westchester County.

SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Vincent Ventura, 1586 First Ave., NY, NY 10028. General Purposes. #59875 Notice of Formation of 30neThirty, LLC. Arts of Org. filed with SSNY on 11/14/2014. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: P.O. Box 1318. 15 South 1st Ave. Mount Vernon, NY 10550. Purpose: any lawful act or activity. #59876 Notice of formation of Limited Liability Company (ìLLCî). Name: BKKJ Property Services LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on 3/4/15.

N.Y. office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to BKKJ Property Services LLC, 240 Underhill Avenue, Apartment 2, Yorktown Heights, New York 10598. Name/ address of each member available from SSNY. Purpose: any lawful activity. #59877 Notice of Formation Artemis Development LLC Arts. of Org. filed with SSNY 3/5/15. Off. Loc.: Westchester Cnty. SSNY designated as agent of LLC whom process may be served. SSNY shall mail process to: c/o the LLC, 24 Ridge Street, Katonah, NY 10536.

Purpose: all lawful activities. #59878 Notice of Formation Action Brand Advisers LLC Arts. of Org. filed with SSNY 3/4/15. Off. Loc.: Westchester Cnty. SSNY designated as agent of LLC whom process may be served. SSNY shall mail process to: c/o the LLC, 3 Green Acres Drive, Rye, NY 10580. Purpose: all lawful activities. #59879

CGC ADVISORY GROUP LLC, a domestic LLC, filed with the SSNY on 3/3/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 180 Jackson Ave., Pelham, NY 10803. General Purposes. #59880

3 TO 5 DESIGN & CONSULTING LLC, a domestic LLC, filed with the SSNY on 2/6/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 538 Westchester Ave., Rye Brook, NY 10573. General Purposes. #59889

SIGNATURE PAINT & PAPER, LLC, a foreign LLC, filed with the SSNY on 2/10/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 44 Cliffdale Rd., Greenwich, CT 06831. General Purposes #59881

Notice of Formation of Jawdropper Innovations, LLC Art. Of Org. filed with SSNY on 2/12/15. Offc. Loc: Westchester Cty. SSNY design. as agent of the LLC upon whom process against it may be served.

SSNY shall mail process to the LLC, United States Corporation Agents, Inc, 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: any lawful purpose. #59890

Notice of formation of Ground Up Estates, LLC. Articles of Org. filed with NY Secretary of State (SSNY) on 4/12/13, office location: Westchester County. Princ. office of LLC: 4 Martine Ave, Suite 612 White Plains, NY 10606. SSNY designated as agent upon whom process may be served. SSNY shall mail process to the LLC at the addr. of its princ. office. Purpose: Any lawful activity. #59882 Notice of Formation of ALL IN ONE REALTY LLC Art. of Organization filed with SSNY on 11/12/14 Office location Westchester County SSNY designated as Agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, c/o David Nigrelli, Esq. 465 Columbus Avenue, Suite 120, Valhalla, NY 10595 Purpose: any lawful business activity. #59883 190 VALLEY STREET LLC, Arts. of Org. filed with the SSNY on 03/11/2015. 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. #59884 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: FETE BOITE, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 1/30/2015.

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: The LLC, 63 2nd Street, Harrison, New York 10528, principal business location of the LLC. Purpose: any lawful business activity. #59886 Notice of Formation of Around Your Town Home Inspections,LLC. Art. Of Org. filed with the Sect’y of State of NY (SSNY) on 2/03/2015.

Office in Westchester Counnty.

SSNY has been designated as agent of the 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 purpose. #59887 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: FPT Consulting, LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 11/24/14. Office location: Westchester County. The NY Secretary of State is designated as the agent of the LLC upon whom process may be served, and the address a copy shall be mailed is 34 Waterview Drive, Ossining, NY 10562 #59888

Notice of formation of: Start Med Life, LLC. Articles of Organization filed with SSNY on 1/27/15. Office location: Westchester Co. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 1155 Warburton Ave, #4S Yonkers, NY 10701. Purpose: any lawful business activity #59891 Notice of Formation of Private Care Registered Professional Nursing, PLLC. Arts. of Org. filed with SSNY on 2/18/15. Office in Westchester County. SSNY designated as agent of the PLLC upon whom process against it may be served. SSNY shall mail process to the PLLC, c/o United States Corporation Agents, Inc., 7014 13th Ave, Ste 202, Brooklyn, NY 11228. Purpose: any lawful purpose #59893 Notice of Formation of Gosling Media, LLC. Art. Of Org. filed with SSNY on 12/3/15. 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, 12 Gene Place, White Plains, NY 10605. Purpose: any lawful purpose. #59895 Notice of formation of CONEXIS MEDIA, LLC. Art. Of Org. filed with the Sectíy of State of NY (SSNY) on 10/17/14. 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, 9 Beck Ave Rye, NY 10580.

Purpose: Any lawful Purpose #59896 AKKRO LLC, a domestic LLC, filed with the SSNY on 3/5/15. Office location: Westchester County.

SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Poko Management, 225 Westchester Ave., Pt. Chester, NY 10573. General Purposes. #59897 Sweet Nothings Foods, LLC. Arts of Org. filed with NY Secy of State (SSNY) on 3/20/15 beginning 4/1/15 and perpetually existing. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served.

SSNY shall mail process to: Roni L. Jacobson, Esq., 5 Old House Lane, Chappaqua, NY 10514.

Purpose: any lawful activity. Dana Jacobson, Organizer (signature), 1 City Place, #1909, White Plains, NY 10601, the business address #59901

SUMMONS Index No. 61923/2014 D/O/F: August 1, 2014 Premises Address: 443 UNION AVENUE MOUNT VERNON, NY 10550 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER JAMES B. NUTTER & COMPANY, Plaintiff, -againstANGELA WILLOUGHBY AS HEIR AT LAW AND NEXT OF KIN OF MARGARET WILLOUGHBY; JAMES THOMPSON AS HEIR AT LAW AND NEXT OF KIN OF MARGARET WILLOUGHBY; MICHELLE WILLOUGHBY AS HEIR AT LAW AND NEXT OF KIN OF MARGARET WILLOUGHBY; JOHN DOE 1 THROUGH 50; JANE DOE 1 THROUGH 50, INTENDING TO BE THE UNKNOWN HEIRS, DISTRIBUTES, DEVISEES, GRANTEES, TRUSTEES, LIENORS, CREDITORS, AND ASSIGNEES OF THE ESTATE OF MARGARET WILLOUGHBY WHO WAS BORN ON MAY 31, 1931 AND DIED ON MARCH 22, 2012, A RESIDENT OF THE COUNTY OF WESTCHESTER, THEIR SUCCESSORS IN INTEREST IF ANY OF THE AFORESAID DEFENDANTS BE DECEASED, THEIR RESPECTIVE HEIRS AT LAW, NEXT OF KIN, AND SUCCESSORS IN INTEREST OF THE AFORESAID CLASSES OF PERSON, IF THEY OR ANY OF THEM BE DEAD, AND THEIR RESPECTIVE HUSBANDS, WIVES OR WIDOWS, IF ANY, ALL OF WHOM AND WHOSE NAMES AND PLACES OF RESIDENCE ARE UNKNOWN TO THE PLAINTIFF; EQUITABLE ASCENT FINANCIAL LLC; GROTON & BRUNEY LLC; BOGUSZ JAROSLAW; MT. VERNON HOSPITAL; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; PEOPLE OF THE STATE OF NEW YORK; SUMMIT BANK; UNITED STATES OF AMERICA - INTERNAL REVENUE SERVICE; WESTCHESTER COUNTY SOCIAL SERVICES; UNITED STATES OF AMERICA O/B/O SECRETARY OF HOUSING AND URBAN DEVELOPMENT;; ‘’JOHN DOES’’ and ‘’JANE DOES,’’ said names being fictitious, parties intended being possible tenants or occupants of premises and corporations, other entities or persons who have, claim, or may claim, a lien against, or other interest in, the premises, Defendant(s), 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 Plaintiff’s Attorneys within twenty (20) days after the service of this Summons, exclusive of the day of service, where service is made by delivery upon you personally within the State, or within thirty (30) days after completion of service where service is made in any other manner, and 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 a 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 following notice is intended only for those defendants who are owners of the premises sought to be foreclosed or who are liable upon the debt for which the mortgage stands as security.

YOU ARE HEREBY PUT ON NOTICE THAT WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The present amount of the debt as of the date of this summons: $340,469.38, consisting of principal balance of $338,069.18 plus interest of $511.27, Service Fees of $25.00; escrow/impound shortages or credits of $0.00, Mortgage Insurance Premium charges of $138.93; late charges of $0.00; Brokerís Price Opinion, inspection and miscellaneous charges of $0.00; attorney fee $1,450.00 and title search $275.00. Because of interest and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive the check, in which event we will inform you.

The name of the creditor to whom the debt is owed: JAMES B. NUTTER & COMPANY. Unless you dispute the validity of the debt, or any portion thereof, within thirty (30) days after receipt hereof, the debt will be assumed to be valid by Rosicki, Rosicki & Associates P.C. If you notify Rosicki, Rosicki & Associates P.C in writing within thirty (30) days after your receipt hereof that the debt, or any portion thereof, is disputed, we will obtain verification of the debt or a copy of any judgment against you representing the debt and a copy of such verification or judgment will be mailed to you by Rosicki, Rosicki & Associates P.C. Upon your written request within 30 days after receipt of this notice, Rosicki, Rosicki & Associates P.C will provide you with the name and address of the original creditor if different from the current creditor.

Note: Your time to respond to the summons and complaint differs from your time to dispute the validity of the debt or to request the name and address of the original creditor. Although you have as few as 20 days to respond to the summons and complaint, depending on the manner of service, you still have 30 days from receipt of this summons to dispute the validity of the debt and to request the name and address of the original creditor.

TO THE DEFENDANTS, except: The Plaintiff makes no personal claim against you in this action.

TO THE DEFENDANTS: If you have obtained an order of discharge from the Bankruptcy court, which includes this debt, and you have not reaffirmed your liability for this debt, this law suit is not alleging that you have any personal liability for this debt and does not seek a money judgment against you. Even if a discharge has been obtained, this lawsuit to foreclose the mortgage will continue and we will seek a judgment authorizing the sale of the mortgaged premises.

Dated: July 30, 2014 Joshua P. Smolow, Esq. ROSICKI, ROSICKI & ASSOCIATES, P.C. Attorneys for Plaintiff Main Office: 51 E Bethpage Road Plainview, NY 11803 516-741-2585 Help For Homeowners In Foreclosure New York State Law requires that we send you this notice about the foreclosure process. Please read it carefully. Mortgage foreclosure is a complex process. Some people may approach you about ìsavingî your home. You should be extremely careful about any such promises. The State encourages you to become informed about your options in foreclosure. There are government agencies, legal aid entities and other non-profit organizations that you may contact for information about foreclosure while you are working 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 at 1-877-BANKNYS (1-877-226-5697) or visit the Departmentís website at www.banking.state.ny.us. The State does not guarantee the advice of these agencies. #59885

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LEGAL NOTICES FAMILY WELLNESS PHYSICAL THERAPY LLC, a Prof. LLC, Arts. of Org. filed with the SSNY on 03/06/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 25 Vernon Drive, Scarsdale, NY 10583. Purpose: To Practice The Profession Of Physical Therapy. #59902 Notice of Formation of JOEBMW MOTORSPORT, LLC Art. Of Org. filed with SSNY on 3/3/15. 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, 20 Skywood Court, Yonkers, NY 10710. Purpose: any lawful purpose. #59903 CHT 888 LLC, a domestic LLC, filed with the SSNY on 3/12/15. Office location: Westchester County.

SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to c/o Greene Leins & Ryan, 100 Executive Blvd., Ste. 206, Ossining, NY 10562-2564.

General Purposes. #59904 Notice of Formation of A & G REALTY CONSULTANTS LLC. Arts. of Org. filed with SSNY on 3/12/15.

Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o THE LLC, 12 Water St. #204, White Plains, NY 10601. Purpose: all lawful activities. #59905

Notice of Formation of 72 FAIRWAY, LLC. Arts. of Org. filed with SSNY on 12/17/14. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served.

SSNY shall mail process to: c/o THE LLC,1111 Boston Post Rd, Rye, NY 10580. Purpose: all lawful activities. #59906 Notice of Formation of Spark Capital L.L.C. Art. Of Org. filed with SSNY on 02/03/2015. 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, 14 Hudson View Way, Tarrytown, NY 10591. Purpose: any lawful purpose. #59907 Notice of Formation of 138 Fox Meadow LLC, a domestic Limited Liability Company (LLC). Articles of Organization filed with the Secretary of State of NY (SSNY) on 3/9/2015. NY Office location: WESTCHESTER County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail a copy of any process against the LLC served upon him/her to The LLC, 875 Mamaroneck Avenue, Suite 400, Mamaroneck, New York 10543.

Purpose: Any lawful act or activity. #59908

Notice of formation of SALTEEN MUSIC PUBLISHING COMPANY LLC. Art. Of Org. filed with the Sectíy of State of NY (SSNY) on 03/30/15. 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, 42 Westminster Ct New Rochelle, NY 10801. Purpose: Any lawful purpose #59909 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: NYC Maintenance Services, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 12/26/13. 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: The LLC, 220 Pelham Road, Suite 6C, New Rochelle, NY 10805, principal business location of the LLC. Purpose: any lawful business activity. #59910 NOTICE OF FORMATION OF MALABAR REALTY LLC. Articles of Organization filed with the Secretary of State of NY (SSNY) on 03/22/2013. 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 theLLC served upon him is:

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.

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LAGEN CHEMMALAKUZHIYIL JOSE The principal business address of the LLC is: 96 Oregon Road, Cortlandt Manor,NY-10567.

Purpose: any lawful act or activity #59911 D & S HOMES DEVELOPMENT LLC, a domestic LLC, filed with the SSNY on 3/17/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, c/o John DíAgostino, Member, 52 Wilgarth Rd., Bronxville, NY 10708. General purpose. #59912 Notice of Formation of Marc M. Coupey Law, PLLC Art. of Org. filed with SSNY on 3/5/15. Offc.

Loc: Westchester Cty. SSNY desig. as agent of the PLLC upon whom process against it may be served.

SSNY shall mail process to the PLLC at 441 Saw Mill River Rd., Millwood, NY 10598. Purpose: practice of law. #59913 Notice of Formation of Nexcelerate, LLC. Art. Of Org. filed with SSNY on 01/15/2015. Office Location: Westchester County.

SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to: c/o United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: any lawful purpose. #59914 Notice of Formation of Kache Beauty, LLC. Art of Org. filed with SSNY on 1/21/2015. Offc. Loc: Westchester Cty. SSNY desig.

As agent of the LLC upon whom process against it may be served.

SSNY shall mail process to: c/o United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: any lawful purpose. #59915 Notice of Formation of Double Black Ventures, LLC Art. Of Org. filed with SSNY on 4/7/15. Offc.

Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom may be served. SSNYshall mail process to the LLC, 217 N. Highland Ave Ossining, NY 10562. Purpose: any lawful purpose. #59916 Westchester Gardens Assisted Living Program, LLC, a domestic LLC, filed with the SSNY on 4/1/15.

Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, c/o Joshua Peckman, 2208 Rosemont St., N. Bellmore, NY 11710. General purpose. #59917 10 FLORENCE AVE, LLC, a domestic LLC, filed with the SSNY on 3/26/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Marc Castaldi, 32 High St., Rye, NY 10580. General purpose. #59918 Notice is hereby given that a Restaurant wine license, #TBA has been applied for by Appetit Bisto Ltd d/b/a Appetit Bistro to sell beer and wine at retail in an on premises establishment. For on premises consumption under the ABC law at 540A Willett Avenue Port Chester, NY 10573. #59919

SUPREME COURT OF THE STATE OF NEW YORK ñ COUNTY OF WESTCHESTER INDEX # 70704/13 FILED: 3/24/2015 SUPPLEMENTAL SUMMONS AND NOTICE Plaintiff designates Westchester County as the place of trial. Venue is based upon the County in which the mortgage premise is situated. OCWEN LOAN SERVICING, LLC, Plaintiff(s), against DORIS GASTON, KOWAN LYONS, unknown heirs at law of ARETHA LYONS and if they be dead, any and all persons unknown to plaintiff, claiming, or who may claim to have an interest in, or generally or specific lien upon the real property described in this action; such unknown persons being herein generally described and intended to be included in the following designation, namely: the wife, widow, husband, widower, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors, and assignees of such deceased, any and all persons deriving interest in or lien upon, or title to said real property by, through or under them, or either of them, and their respective wives, widows, husbands, widowers, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors and assigns, all of who and whose names, except as stated, are unknown to plaintiff; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE, UNITED STATES OF AMERICA, JOHN DOE #1 through JOHN DOE #12, the last twelve names being fictitious and unknown to plaintiff, the persons or parties intended being the tenants, occupants, persons or corporations, if any, having or claiming an interest in or lien upon the premises, described in the complaint, the United States Of America And New York State Department Of Taxation and Finance, Defendant(s).

TO THE ABOVE NAMED DEFENDANTS: 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 ATTORNEYS 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 YOU CASE IS PENDING FOR FURTHER INFORMATION ON HOW TO ANSWER THE SUMMONS AND PROTECT YOUR PROPERTY. SENDING A 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. 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 serviced with this summons, to serve a notice of appearance on the Plaintiff’s attorney within 20 days after the service of this summons, exclusive of the day of service (or within 30 days after the service is complete if this summons is not personally delivered to you within the State of New York); The United States of America, if designated as a Defendant in this action, may appear within (60) days of service thereof and 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 OF NATURE OF ACTION AND RELIEF SOUGHT: THE OBJECT of the above captioned action is to foreclose on a mortgage bearing the date June 21, 2007, executed by ARETHA LYONS AND DORIS GASTON to BANK OF AMERICA to secure the sum of $251,500.00 and recorded in Document 472040432, in the Office of the CLERK of the County of WESTCHESTER on July 30, 2007, which mortgage was assigned to OCWEN LOAN SERVICING, LLC., by assignment of mortgage which is dated June 21,2007, covering premises known as 19 Belknap Avenue, Yonkers, NY 10710-5403, (Section 3 Block 3145 and Lot 42.43). The relief sought in the within action is a final judgment directing the sale of the premises described above to satisfy the debt described above. To the above named Defendants: The foregoing summons is served upon you by publication pursuant to an order of the Hon. Sam D. Walker, Justice of the Supreme Court of the State of New York, and filed along with the supporting papers in the Office of the Clerk of the County of Westchester on March 19, 2015. This is an action to foreclose on a mortgage. ALL that certain plot, piece or parcel of land, with the buildings and improvements hereon erected, situate, lying and being in the City of Yonkers, County of Westchester and State of New York. Section 3 Block 3145 and Lot 42.43 said premises known as 19 Belknap Avenue, Yonkers, NY 10710-5403. YOU ARE HEREBY PUT ON NOTICE THAT WE ARE ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. By reason of the default in the payment of the monthly installment of principal and interest, among other things, as hereinafter set forth, Plaintiff, the holder and owner of the aforementioned note and mortgage, or their agents have elected and hereby accelerate the mortgage and declare the entire mortgage indebtedness immediately due and payable. The following amounts are now due and owing on said mortgage, no part of any of which has been paid although duly demanded: the entire principal balance of $249,760.93 to be immediately due and payable under the mortgage herein foreclosed, plus interest at the rate calculated in accordance with the provisions of the note from May 1, 2008, together with unpaid late charges in the amount of $332.19 that have accrued prior to this action as of April 9, 2013. UNLESS YOU DISPUTE THE VALIDITY OF THE DEBT, OR ANY PORTION THEREOF, WITHIN THIRTY (30) DAYS AFTER YOUR RECEIPT HEREOF THAT THE DEBT, OR ANY PORTION THEREOF, IS DISPUTED, THE DEBTOR JUDGMENT AGAINST YOU AND A COPY OF SUCH VERIFICATION OR JUDGMENT WILL BE MAILED TO YOU BY THE HEREIN DEBT COLLECTOR. IF APPLICABLE, UPON YOUR WRITTEN REQUEST, WITHIN SAID THIRTY (30) DAY PERIOD, THE HEREIN DEBT COLLECTOR WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR. IF YOU HAVE RECEIVED A DISCHARGE FROM THE UNITED STATES BANKRUPTCY COURT, YOU ARE NOT PERSONALLY LIABLE FOR THE UNDERLYING INDEBTEDNESS OWED TO PLAINTIFF/CREDITOR AND THIS NOTICE/DISCLOSURE IS FOR COMPLIANCE AND INFORMATIONAL PURPOSES ONLY. HELP FOR HOMEOWNERS IN FORECLOSURE New York State 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, 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 tollfree helpline maintained by New York state Banking Department at 1-877-Bank-NYS or visit the Departmentís website at www.banking.state.ny.us FORECLOSURE RESCUE SCAMS Be careful of people who approach you with offers to ìsaveî your home. There are individuals who watch for notices of foreclosure actions in order to unfairly profit from a homeownerís 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. Section 1303 NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME If you do not respond to this summons and complaint by serving the 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 may 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 a 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 AN ANSWER WITH THE COURT. Leopold & Associates, PLLC, 80 Business Park Drive, Suite 301, Armonk, NY 10504 #59900

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CHEERS! About 125 friends gathered to celebrate the opening of Community Capital New York’s small business loan client, Yonkers Brewing Co. Those attending sampled the craft beer, played games and learned about the ways alternative lenders like Community Capital help small businesses to launch, grow and hire. Community Capital board Chair Lee Lasberg and Key Bank’s President Ruth Mahoney co-hosted the event that was sponsored by Key Bank and New York Business Development Corp.

1. Alba Guevara, director of CDBG grants for the city of Yonkers, and Martha Soto, from the Yonkers Department of Planning and Development.

2. Bill Cuddy Jr., executive vice president of CBRE, and Dan Pozin, partner with McCarthy Fingar LLP. 3. Bob Pincus of Phipps Houses, Community Capital’s Sabine Werner and Community Capital board member Dick Hecht.

4. Community Capital Board Chair Lee Lasberg of Lasberg Construction Associates and John Tolomer, president of The Westchester Bank.

5. Community Capital board member Ned Quinn, executive director of Morgan Stanley Private Bank, and Community Capital Executive Director Kim Jacobs.

6. Jackie Rubbo, chief marketing officer, Yonkers Brewing Co. 7. Jonathan Litt and Landon Cole of Kohl Construction Group with Yonkers Brewing Co. owner Nick Califano.

8. Key Bank Hudson Valley/Metro New York President Ruth Mahoney.

9. TD Bank’s Shaun Asbury and Community Capital board member Paul Weisenfeld of Perella Weinberg Partners.

10. Prime Pay’s Bill Baydoun and Bill Zeboris, partner, Citrin Cooperman.

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Yonkers Visionary Awards 2015

It takes a vision to build a village

A CALL FOR NOMINATIONS Here’s your opportunity to honor a person whom you feel has made a positive impact on the city of “Gracious Living” by taking part in the Tim League Readers Choice Visionary Award.

Join Mayor Mike Spano, the Westchester County Business Journal, Yonkers Chamber of Commerce, Yonkers Partners in Education, the Yonkers IDA, The Alamo Drafthouse Cinema and Sarah Lawrence College in identifying the most visionary people.

SPONSORS

Nominations may be submitted through www.westfaironline.com – any questions can be directed to Holly DeBartolo, events manager, at 914-358-0743.

May 7 - Awards Ceremony Hosted by Tim League The Alamo Drafthouse Cinema 2548 Central Ave., Yonkers 11:30 a.m. - 1 p.m.