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4 | AN ERA ENDS

2 | SERVING UP DINERS MAY 11, 2015 | VOL. 51, No. 19

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PLANS UPDATED FOR FORMER HOSPITAL BY EVAN FALLOR evan@westfairinc.com

HAT IS CURRENTLY A 15-ACRE swath of semi-abandoned land on the busy commercial strip of Boston Post Road in Port Chester is one step closer to becoming a haven for shoppers, visitors, young professionals, seniors and medical workers. Starwood Capital Group, the Greenwichbased real estate investment firm that bought the property in 2006, recently resubmitted a draft environmental impact statement (DEIS) to the village for review by the Port Chester Board of Trustees. Starwood also released the latest concept renderings for the planned $300 million mixed-use development on the site of the closed United Hospital, across from the expansive Port Chester Shopping Center and next to Interstates 287 and 95. Plans for the site include a 135-room hotel, 90,000 square feet of boutique shops and restaurants, 217,000 square feet of » HOSPITAL, page 6

An architect’s rendering of Starwood Capital’s Port Chester redevelopment.

Yonkers to New York City: We’ll take it MTA BUS DEPOT KEY TO REDEVELOPMENT

BY JOHN GOLDEN jgolden@westfairinc.com

FRUSTRATED BY AN INTRANSIGENT TENANT, Yonkers officials have moved to use eminent domain to take an industrial property needed to open access to redevelopment sites on the city’s Alexander Street waterfront. It is not, however, a typical case of a government exercising its right to condemn and acquire private property for public use or benefit. The unyielding tenant that has vexed Yonkers City Hall is

the Metropolitan Transportation Authority. And the 3½-acre property leased by the MTA for its bus company depot — and needed by Yonkers and private developers to carry out the city’s master plan for high-density residential and commercial development on the waterfront off Alexander Street — is owned by the city of New York. “We’ve been at this for three years and we’ve literally made no progress,” Yonkers Commissioner of Planning and Development Wilson Kimball told the Yonkers City Council’s Real Estate

Committee last month. She was describing efforts by the administration of Mayor Mike Spano to negotiate a relocation deal with the MTA for its MTA Bus Co. storage and maintenance facility at the northern end of Alexander Street. “The numbers that have come back have been exorbitant.” “This is an extremely frustrating experience for us,” Kimball said. In the three years since she arrived in Yonkers to join Spano’s staff, “This is the only project that hasn’t moved one yard.” The stalemate prompted

Spano in mid-April to send a letter to New York Mayor Bill de Blasio in which the Yonkers mayor both expressed the frustration “at all levels of city government” and extended an overture to de Blasio to resolve it without resorting to eminent domain and a court battle. Spano in his letter said the bus depot — used by the MTA to service bus lines in the northern Bronx and lower Westchester County — “stands squarely in the path” of a proposed extension to » YONKERS, page 6

FAMILY OWNED BUSINESS

Biz Last of the diner builders

Family business delivers custom eateries along East Coast

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BY DANIELLE BRODY dbrody@westfairinc.com

MAY 11, 2015

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MAIN OFFICE TELEPHONE 914-694-3600 OFFICE FAX 914-694-3699 EDITORIAL EMAIL bobr@westfairinc.com WRITE TO 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407

HE DERAFFELE FAMILY HAS BEEN building and delivering diners for nearly 80 years, and their third-generation business is one of the last of its kind standing, even though not all of its diners are. The specialized mechanics, designers and welders at DeRaffele Manufacturing Co. Inc. create complete custom standalone diners in the company’s 10,000-square-foot warehouse at 2525 Palmer Ave. in New Rochelle. When completed, the diners are taken apart for delivery in sections and reassembled on the site. The company, owned by brothers Joe, Steven and Phil Jr., is the only diner manufacturer remaining in the region, according to their father, Phil DeRaffele. He said there used to be about 14 other diner manufacturers, most of them in New Jersey. Since the company started keeping track in the 1970s, it has designed, built and renovated more than 650 diners. In the warehouse office, where the walls are lined with pictures of retro diners and new diners designed to look retro, Phil DeRaffele and son Joe can rattle off names and explain details about the diners their family has built. The majority of the DeRaffele diners are on the East Coast in New York, Connecticut, Pennsylvania, Maryland and New Jersey. The company does not make what Phil calls “simulated diners” — diners built in storefronts or existing buildings, which he said are more common on the West Coast. Yet, it’s becoming more difficult to find space to build a standalone diner, which is typically 4,500 square feet, Phil said. Now DeRaffele does more renovations to existing ones. In the past year, the company built one diner, the New Rochelle Diner, which opened in April on Weyman Avenue and Main Street. Joe said they have plans to renovate the Andros Diner in Fairfield, Conn., and Athena Diner in Southport, Conn., in the next month or two. Phil took over the company in the 1950s from his father, Angelo DeRaffele, an Italian immigrant. A carpenter and foreman for a New Rochelle company that built 30-foot lunch wagons, Angelo went on to start his own diner manufacturing company, facing and surviving challenges like the Great Depression and rationing of materials in World War II. After the war, the industry boomed. “I

WESTCHESTER COUNTY

BUSINESS JOURNAL

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

NEWS Digital & Copy Editor • Aaron Pelc Reporters • Reece Alvarez, Danielle Brody, Evan Fallor, Colleen Wilson, Mary Shustack Joe DeRaffele and his father, Phil, stand in front of pictures of diners in their New Rochelle office. Photo by Danielle Brody

mean, everybody wanted diners,” Phil said. Phil said his company’s design of the Peter Pan diner, built in the 1950s in Wilmington, Del., revolutionized the look of today’s diners and helped attract business to the company. The exterior had wings, a bigger canopy and novel window shapes. Joe said the company builds all styles, depending on what the diner owners want. The owners of the New Rochelle Diner wanted a glitzy exterior to stand out for passing motorists on Interstate 95, with a retro, neon look with mirrored stainless steel on the outside and ’70s colors on the inside, Phil said. The Circle Diner in Fairfield, Conn., has a colonial design with red brick and white columns. Joe, who worked in finance and administration at IBM Corp. for eight years, is the controller who handles financing and permits. Brother Steven does steel work, leads the welding crew, and does deliveries and assembly, while Phil Jr. finishes interiors. It takes about 10 weeks to build a completely furnished diner with kitchen and bathrooms. “Building a diner is like building a perfect cabinet; it’s altogether different than building a house,” Phil said. The sections, about 12 to 15 feet wide and 40 to 50 feet long, are delivered on flatbed trailers. Diner owners are responsible for laying the foundation on which the building will sit. The average diner costs about $2 mil-

lion. The DeRaffele company offers financing to creditworthy owners. It usually takes about 10 years for an owner to pay if off, Phil said. The DeRaffeles still hear from owners after they finish a project and move on to the next. On a recent afternoon, about a week after the New Rochelle Diner opened, Phil took a phone call from one of the owners. Joe said it’s not unusual to keep in touch with the owners. “If there’s a problem, we’ll run out,” he said. “We have very hard-working customers. We’re proud of our customers so we try to do the right thing.” Some owners of diners built or renovated by DeRaffele will call years later for a renovation if they need to boost business or stand out among the competition, Joe said. A renovation could cost $200,000 to $700,000, he said. Owners often get design inspiration from other DeRaffele diners. Joe said most diner owners are Greek and often refer to each other’s diners when describing what they want. “Most of them know each other and their diners and what they look like,” Joe said. In their diners, owners are in the kitchen or out front greeting customers. “The owners are there, they know what’s going on, customers know them,” Joe said. “Overall it’s a good experience. It takes people back a little bit to a good time in their life.”

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Westchester leading the charge with electric vehicles BY COLLEEN WILSON cwilson@westfairinc.com

ESTCHESTER COUNTY HAS THE HIGHEST number of electric vehicles in the state, and New Rochelle is bolstering the county’s ranking as the latest municipality to incorporate zero-emission vehicles into its fleet with the addition of four Nissan Leaf cars. New Rochelle’s Department of Development uses the vehicles for everyday operations, according to Luiz C. Aragon, the city’s commissioner of development. Aragon said his department has $750 a month to lease a vehicle or two, but through a deal with Nissan the department was able to lease four cars at a fraction of the normal price. Nissan also donated two public charging stations and arranged for five complimentary parking spaces for zero-emission vehicles at the New Roc City and New Rochelle Transit Center garages. “We hope to support sustainability and encourage folks to be green by setting an example,” Aragon said.

New Rochelle joins other Westchester municipalities that have taken steps in recent months to expand their green footprint. Last September, White Plains installed 10 charging outlets in four different parking garages, and the Bedford-Mount Kisco area also has a high concentration of charging stations. There are 777 electric and plug-in hybrid vehicles in Westchester County, which breaks down to 371 electric vehicles and 406 hybrids, according to 2014 automobile registration data compiled by the New York State Energy Research and Development Authority from the state Department of Motor Vehicles. Suffolk and Nassau are the only two counties that outrank Westchester for total combined electric and plug-in hybrid vehicles, with 1,445 and 913, respectively. There are 22 public charging stations and 48 chargers in the county, according to data from the U.S. Department of Energy’s Alternative Fuels Data Center. These numbers exclude charging stations that could be on private home or work properties. The data provided by the Electric, page 12

Public charging stations in Westchester County. Source: U.S. Department of Energy

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Independent toy stores a dying breed in Westchester BY EVAN FALLOR evan@westfairinc.com

HEN BUSINESS WAS GOOD FOR Barry Schwartz, it was great. His Try & Buy toy stores in downtown Pleasantville and Katonah were thriving in the mid-1990s shortly after they first opened, so much so that he was able to open two more locations with his wife and co-owner, Linda Schwartz, in Bronxville and a gift shop in Maria Fareri Children’s Hospital at Westchester Medical Center. A transplant from the electronics industry, Schwartz was riding high. Then, the millennium hit, and thus began the abrupt shift to buying toys online, where they could be found at lower prices and bought from the comfort of one’s own couch. Business suffered. In 2005, the Bronxville location shut its doors. The gift shop closed a year later. The Katonah shop was vacant by 2009. Schwartz is now left with just his Pleasantville store, one he said is experiencing the worst two-year sales stretch in its twodecade-plus history. To cope, he has implemented small-business amenities. “Our volume really has been going down

since 2011,” Schwartz said. “We have people who help customers select gifts and we have a liberal return policy. It’s all based upon service.” In the past year, four independent Westchester County toy destinations shut their doors for good — Auntie Penny in Chappaqua, Child’s Play in Scarsdale, Family Discount Center in Rye Brook and Merry Go Round Toy Discount Center in New Rochelle. Merry Go Round, a North Avenue staple for 65 years, closed last month. Owner Greg Choron began a 50-percent-off sale March 18, which lasted until the store’s closing. The former prominent storefront on the city’s south end is now nothing more than a few greeting cards and 99 cent special items that went unsold. Schwartz didn’t speculate on his store’s future, but said at 61, he will contemplate retirement at some point in the coming years. As of now, he knows no buyer that would want to come in and take the business over. He estimated fewer than 10 such stores remain in Westchester County. The other independent toy stores — the ones he used to see as the main competition — he now bands together with. “We’re more supportive of each other than ever before,” he said. “We were all subject to the same restrictions, guidelines and the

Merry Go Round Toy Discount Center was a staple in New Rochelle for 65 years before closing last month. Photo by Evan Fallor

cost and expenses we all had to pay. But the Internet has allowed people working out of a garage or a cornfield in Iowa to go sell directly to our customers. They don’t have the same cost limitations we do. It makes it extremely difficult for us.” Community staples have given way to bigbox stores like Toys R Us and Walmart, and the still-expanding online market. Even FAO Schwartz, the Fifth Avenue icon, closed its White Plains location on the upper floor of The Westchester mall. Try & Buy instituted a customer loyalty program, but even that is not bringing back the lost customers or helping to pay the high suburban rent. The owners attempted to match the online threat by putting together

what Schwartz said was a “very expensive” website in 2006. “It went absolutely nowhere,” he said. To cut costs, Schwartz said he and his wife are the “chief, cook and bottle wash” of the business now. They do the book keeping, inventory, advertising and accounting work. The store’s telephone hold service informs callers, “There are very few specialty stores left. Try & Buy is one of them.” Schwartz takes pride in that, and hopes that area residents do, too. “What’s going to happen when people come into towns and see all the place is is a food court with a nail salon and a dry cleaners?” he said. “They’ll say, ‘This is a boring town,’ and they’ll leave.”

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Business Council shines light on 2015 Rising Stars

HE BUSINESS COUNCIL OF WESTCHESTER on May 5 announced its 2015 class of “Rising Stars,” representing 40 of Westchester County’s upand-coming business leaders. Modeled after the national business recognition program “Forty under Forty,” the Rising Stars program recognizes individuals under the age of 40 who exemplify leadership, foresight and a vision for the future of Westchester County, according to the Business Council. Winners were selected for their professional and entrepreneurial accomplishments, demonstrated leadership qualities and professional and business affiliations. The competitive selection process was led by Maria Bronzi, director at Altium Wealth Management in Purchase and chairperson of the Rising Stars program. This year’s Rising Star award winners will be honored at a June 11 ceremony at 800 Westchester Ave. in Rye Brook. They are: • Jessica Antonette, CEO/owner, JTonezMusic Corp. • Jennifer Bannan, director of advertising and marketing, Thompson & Bender. • Vincenzo Battaglia, police sergeant, White Plains Department of Public Safety. • David Buchwald, New York state assemblyman. • Donvil Collins, founder and president, VeeKast. • Andrea Contreras, manager, client services, Altium Wealth Management. • Anthony D’Arpino, founder and owner, Harrison Wine Vault. • Andrew Edge, assistant vice president -business banking and commercial lender, Putnam County Savings Bank (formerly CMS Bank). • April Fatato Grundman, on-site owner and educational director, The Goddard School, Yorktown Heights. • Bonnie Fogarty, executive director, Community YMCA. • Megan Gann, business development manager, Westchester Hills Golf Club. • Anna Geller, director, business analysis and acquisitions, Deutsch Family Wine & Spirits. • Richard Giacovas, producer/on-air talent, News 12. • Jeffrey Hogan, energy and sustainability manager, Montefiore Hospital. • Kelvin Joseph, chief operating officer, Steiner Sports. • Nikhil Kumar, vice president, undergraduate enrollment management, Manhattanville College. • Ashley Ley, technical director, AKRF Inc.

• Jamell Scott, dean of scholars and families and athletic director, Amani Public Charter School. • Diana Seo, owner, B Spa & Salon. • Nicholas Singer, managing member, Purchase Capital. • Loren Ward, vice president, financial adviser, Merrill Lynch. • John White III, firefighter, city of Yonkers Fire Department. • Eleni Zimmerman, social work advanced clinician, NewYork-Presbyterian Hospital — Eating Disorders Unit. “Our Rising Stars program shows that we have top-tier talent in the county — and this is an impressive class of winners,” president and CEO of The Business Council of Westchester. — John Golden

• Linda Parry, CEO, Product Launchers. • Christopher Phillips, senior vice president, product platform and technology, Mindspark Interactive. • Regina Poniros-Simonetti, controller, Robert Martin Co. LLC. • David Putrino, director, telemedicine and virtual rehabilitation, Burke Medical Research Institute. • Amit Rajani, CEO, general dentist, Yonkers Avenue Dental. • John Rubbo, co-founder and “BrewEO,” Yonkers Brewing Co. • Eliza Scheibel, associate, Wilson Elser. • Timothy Schlauraff, department manager, Consolidated Edison of NY.

• Anthony Luisi, associate, Cuddy & Feder LLP. • Kimberly Mallard, senior vice president, executive operations, Tommie Copper. • Anna Linda Marciano, assistant general counsel, Heineken USA Inc. • Ryan McAuliffe, vice president, M&T Bank. • Jaime McGill, executive director, Yonkers TWB Industrial Development Agency. • Alan Murray, CEO, North Shore-LIJ Berardi/Snipe CareConnect Insurance Co. Inc. WCBJ 7.375” x 7.125” h • Erinw Nesbitt, director, program man10/22/14, revision Pharmaceuticals 2 agement, Regeneron Inc. • Jessica Oliva, CEO, Fit Mama 4 Life. • Jill Ortiz, vice president, finance and accounting, Diamond Properties.

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Legend

Hospital — From page 1

office space with an emphasis on medical use, 500 housing rentals for young professionals, 230 55-and-over age-restricted housing units and almost an acre of public open space. The latest renderings include plans to create a new street that bisects Boston Post Road and a shared parking structure. Starwood Capital first presented a DEIS to the Port Chester officials in spring 2014. The latest document contains comments from town officials. Port Chester Mayor Dennis G. Pilla called the proposed development a “win-win” for both residents and the site developer because of the economic benefit it could bring to the village. The campus’s only occupants are the families that live at the former United Hospital staff residence, a property that would need to be demolished in order for construction to begin. “I think it’s a very important project not just for Port Chester, but for the region,” Pilla said, citing the lack of 15-acre properties zoned both for commercial and residential development within a small radius of New York City. “I like what they (Starwood) have done with

Yonkers— From page 1

Alexander Street that is needed to support waterfront redevelopment. The MTA site adjoins 1 Point St., the former wire manufacturing site of British International Cable Corp. Cleared of environmental contaminants, the vacant property was acquired five years ago by investors headed by Ron Shemesh, owner and CEO of Excelsior Packaging Group at 159 Alexander St., directly across from the MTA depot. Shemesh closed the packaging plant early last year after it sustained heavy flood damage from Hurricane Sandy. As part of the city’s master plan for Alexander Street, the 1 Point St. and Excelsior sites, comprising about 22 acres, in 2011 were approved by the Yonkers Planning Board for 1,395 residential units and 85,000 square feet of commercial space in a four-phase redevelopment project. Kimball told City Council members that new setback requirements for buildings on the riverfront and stronger flood resilience measures introduced in the aftermath of Sandy require a new Alexander Street roadway to be routed across a portion of the MTA property.

MAY 11, 2015

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the rendering and how it integrates into our downtown.” The development would create tempoP rary construction jobs, direct jobs from the retail stores and corporate offices, and indirect jobs by virtue of the 730 apartments. The next step is for village planners to review the DEIS comments and advise whether it is complete. Pilla said he hoped that the DEIS phase could be completed this summer, at which point a public hearing could be scheduled. Upon completion, a site plan can be drafted by Starwood and submitted for project approval. Pilla could not provide an estimate for the project completion date should all preliminary processes go smoothly, but said he was told it would have to be completed all at once rather than in phases. The possibility of demolishing the main hospital building would also add on to the project cost and length. Representatives from Starwood Capital declined comment. “Time is the enemy,” Pilla said. “I would but love to see a quality project built quickly but I know there’s a significant effort to demolish the hospital, and obviously that will take time.” Pilla said increased traffic is a considerable concern for both Port Chester and NTS

Spano told New York’s mayor that his administration made numerous attempts to help the MTA find an alternative site for the bus depot. New York City in 2005 paid $10.5 million to acquire the property from Liberty Lines Express. But the MTA would only agree to a $25-million relocation of the bus depot operation to be paid for by Yonkers, Spano said. That proposal did not include a purchase cost for the existing depot site, he noted. Spano called the bus depot “an impenetrable barrier” to the city’s waterfront. “The shores of the Hudson River should be a place where our residents and visitors can gather to live, work and play,” he wrote. “These precious lands should not be sleeping quarters for buses. Nor should the relocation of one municipal organization’s buses come at such a steep price to a financially strapped city which is attempting to grow its tax base while returning its waterfront to the people.” By a 4-3 vote, the Yonkers City Council in late April approved a resolution calling on Spano to acquire through eminent domain the portion of the MTA property needed to complete the Alexander Street extension. The board’s Republican majority, which supported the action, stressed that the property taking would not prevent the MTA from con-

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Starwood’s proposed uses for the former United Hospital site.

neighboring Rye, as an area that already sees heavy volume throughout the day. Boston Post Road, originally built during the colonial period, is narrower than most other two-lane roads. He said a proposal to widen the main thoroughfare and make traffic adjustments on some of its tributary streets could be a key component of making the site feasible. The other obvious factors to consider, Pilla said, are the potential impact on area schools and residents.

Conceptual Development Plan United Hospital Redevelopment Port Chester, NY

Starwood Capital acquired the United Hospital property at 406 Boston Post Road in 2006 for $28 million after the hospital declared bankruptcy and closed in 2005. Port Chester’s Board of Trustees in March 2014 voted unanimously to adopt zoning changes that would make the mixed-use development possible. “We want to look at its impact, the economic benefits and basically how it fits into the aesthetics of Port Chester,” Pilla said. “We have to do our homework.”

The MTA bus depot on Alexander street, with redevelopment sites shown in the distance.

tinuing to operate the depot. “I find it a little galling,” Yonkers City Council President Liam J. McLaughlin said at the earlier committee meeting to consider the eminent domain option, “that New York City, which has done so much to beautify its own riverfront, isn’t a little more cooperative or understanding of our decision to do the same thing. There’s a huge swath of land to be developed and this is standing right in the way.” Democrats voting against the action said the council did not have enough information

on the amount of land to be taken and development plans for Alexander Street. “I think this is a bit premature,” said Councilman Christopher A. Johnson, whose district includes the Alexander Street area. He added that he thought eminent domain “will be a necessity at some point, but not yet.” Spano told de Blasio he hopes the taking of city property by another city will not be needed. “It is my hope that, governmentto-government, we can work through this situation amicably, and without resorting to litigation,” he wrote.

ASK ANDI

BY ANDI GRAY

Getting paid in tough times as an owner The business has been struggling. And consequently, so has my family. Things got really bad at home when I had to suspend my salary and didn’t take any distributions. We’re working hard to get things to turn back up, but I’m still not comfortable. We can hold oﬀ on paying down the credit line for a while, which means I’ll be able to take salary again. Am I missing anything? THOUGHTS OF THE DAY: As an owner, you have to think about who comes first — you, or the company that feeds you. Making decisions based on the income statement and ignoring the balance sheet can be very dangerous. When things get tight financially it’s important to figure out how long it will take to turn things around. Ownership of a business is both a privilege and a responsibility. Ensuring the business grows, thrives and stays healthy is not only good for the business; it’s also good for the owner’s pocketbook. In times of stress, it can be hard to be objective about personal needs versus business needs. Family is important and so is the business, but which comes first? For most business owners, their company is their primary source of income. Household expenses may seem urgent. But taking money out for household spending and leaving the company underfunded can be deadly for both home and business. Making sure the company is healthy means your family will be able to prosper as well. One way that business owners get into trouble is looking at the net income left over on the profit and loss statement and ignoring the balance sheet. Thinking that you can go back to taking money out as soon as sales improve overlooks the need to deal with diminished resources. That story is told on the balance sheet, which shows the fiscal health of the business. Not sure how to read the company’s balance sheet? Get someone to explain it to you. Do you have enough cash on hand to weather six months of problems? Are current assets twice what current liabilities are? Are debts below 2 1/2 times equity? Has debt been dropping? Have you successfully invested over the years in the company’s future? Is equity rising? Take a hard look at how the business got

to this difficult spot. A lack of success stems from years of missteps. When things go upside down in the business, and there’s no more money to pay out, it’s time for drastic re-evaluation. Get perspective from outsiders who you respect; ask for their opinions. Listen, even if you don’t like what you hear. Use their advice to refocus by figuring out what gets you to the end goal rather than what gets you through tomorrow. Deal with hard choices. Stop spending on things that drain cash and don’t contribute to profitable growth. Explain to family members that cuts have to be made. If you lost your job — or lost the company — you’d be making cuts. Do so before it comes to that. Be realistic: How long will it take to

get from where you are today to where you want to be? Prioritize rebuilding the company over personal comfort. Give your company time to heal permanently. Most research on happiness says that the more things people acquire the less happy they become. Brainstorm other ways to have positive experiences that bring you joy. Go for a walk. Have a picnic in the park. Drive to the beach for some sun and fresh air. Spend time helping a friend. Read a book. Listen to music. Low-cost and no-cost solutions for the mind and soul can help improve your outlook as you refocus on rebuilding the business that has provided you with so much. As an owner, getting paid by the company is a privilege, not an entitlement. First you have to pay to operate the busi-

ness — payroll, equipment, materials. Make enough profit to pay taxes, invest in constant refreshment of the company, build up reserves and pay off debts according to plan. Then, and only then, can you, as owner, afford to take money out of the company for personal needs. Looking for a good book? Try “Happy at Last: The Thinking Person’s Guide to Finding Joy” by Richard O’Connor.” 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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MAY 11, 2015

Region to compete for $500M revitalization award BY JOHN GOLDEN jgolden@westfairinc.com

HE SEVEN-COUNTY MID-HUDSON REGION this year will compete with six other upstate regions for a $500 million share of a $1.5 billion Upstate Revitalization Initiative fund recently announced by Gov. Andrew M. Cuomo. The URI program adds a second funding competition to the state’s Regional Economic Development Council program launched by Cuomo at the start of his first term in office. In addition to the new initiative, up to $750 million in state grants, loans and tax credits will be awarded to public and private development projects statewide in this fifth year of Cuomo’s regional strategy to create jobs, attract and retain businesses and develop regionally-specific industry clusters. Ten regional councils shepherd project applications from public and private entities to Albany for those awards and identify priority development projects in their respective regions. The new Upstate Revitalization Initiative

includes seven of the state’s 10 economic development regions — mid-Hudson, Finger Lakes, Southern Tier, Central New York, Mohawk Valley, North Country and Capital District. Of those, three winners each will receive $500 million awards over five years, with $100 million awarded this year to each winner. State officials said the competing upstate regional councils will submit revitalization plans as an addition to their annual progress reports to the state. The plan should provide “a well-researched and credible argument that the region is ready for revitalization,” Cuomo administration officials said, and “describe the transformation that will happen in the region if granted those funds.” The plans will include lists of initial projects the councils recommend for funding. The Upstate Revitalization Initiative plans are due to the state Oct. 5. Consolidated funding applications for the Regional Economic Development Council awards are due on July 31. State officials said the summer deadline was extended this year to allow more time for businesses, municipalities, nonprofits and

Hispanic nurses group opens chapter

the public to apply for state assistance for their job-creating and community development projects. In the fifth round of the Regional Economic Development Council initiative, Empire State Development, the state’s chief economic development agency, will award up to $220 million, including $150 million in capital funds and $70 million in Excelsior tax credits, for regions’ priority projects. In addition, up to $530 million will be awarded from multiple state agency programs in this funding round. Through the first four years of the regional council program, Central New York has led the state with $344.5 million in awards for 311 projects, according to the governor’s office. The North Country region is second with $338.1 million awarded for 291 projects. Long Island ranks third with $326.2 million for 347 projects. The mid-Hudson region ranked sixth among the state’s 10 regions with $302.2 million in awards for 350 projects over four years. However, only the Finger Lakes region has had more development projects receive awards, 355, since 2011.

THE NATIONAL ASSOCIATION OF HISPANIC NURSES recently launched a Westchester chapter in Yonkers, where the Hispanic population is more than 70,000. The nonprofit is a professional association that seeks to provide Hispanic nurses with equal access to education and professional and economic opportunities. It has two other chapters in New York state. The association said it hopes to reduce the gap in the nursing profession in New York, where the Hispanic population is 17.7 percent yet Hispanics account for 3.7 percent of nurses. Lucia Alfano, incoming president of the Westchester NAHN chapter, serves on the nursing faculty at Concordia College in Bronxville and as a public health nurse at Sterling Care in Greenwich. She is cochair for tactical support and operations for the Future of Nursing: NYS Action Coalition. Those interested in attending a meeting can contact NAHNWestchester@ gmail.com or visit NAHN Westchester on Facebook. — Danielle Brody

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CHALLENGING CAREERS

BY CATHERINE PORTMAN-LAUX

Ad manager goes back to school to master pet grooming here, and if it’s high pitched we sometimes refer to it as singing.” But, it’s all in a day’s work, Balducci says, further commenting on the challenges of grooming. “It takes approximately an hour and a half to groom a dog; if matted, it takes a lot longer,” she says. They usually don’t sit still, so it’s a challenge to have a beautifully groomed dog at the end of the process. “Dogs can poop and pee, so we have to clean up and rewash the dog. They can’t

raise their paw and ask to use the rest room. “Then there is the occasional skunk emergency. That smell can stay with us the entire day.” Then there are the human challenges. “We will have a husband drop off a dog and wants the dog shaved short, and the wife will call with specific instructions to keep it long,” she says. The salon owner has seen an evolution in dog fashions overT:7.375” the years. “Some people

are opting for smaller dogs,” she says. “By mixing small with larger breeds, they get the attributes of the big dog without the size.” Future plans for the salon include establishment of a boutique offering such assorted dog articles as collars and sweaters. Challenging Careers focuses on the exciting and unusual business lives of Hudson Valley residents. Comments or suggestions may be emailed to Catherine Portman-Laux at cplaux@optonline.net.

“ I’m constantly on the hunt for great ideas that will set my business apart.” Owner of The Golden Dog Grooming Salon & Spa in Wappingers Falls, Jean Balducci cozies up to a fashionable cavapoochon, one of a popular mixed breed of large and small canines.

T:8.5”

EAN BALDUCCI’S LIFE HAS GONE to the dogs, and she couldn’t be happier. Ownership of The Golden Dog Grooming Salon & Spa in Wappingers Falls is a midlife career for the veteran newspaper advertising manager, who left the field six years ago and decided to pursue her childhood dream. “I grew up with shepherds and shepherd mixes that I rescued,” she says. “I had a cat who lived for 18 years and another who made it to age 22.” Raised in Wappingers Falls and graduated from John Jay High School, Balducci earned a Bachelor of Fine Arts degree from the New York Institute of Technology. In preparation for her present career, she enrolled at the New York School of Dog Grooming in Manhattan, earning a grooming certificate. She has been designated a master dog groomer. Her 10 employees share her devotion to dogs and cats that the business serves. In addition to grooming, the business, at The Castle, 1090 Route 376, offers dog day care in which dogs go for walks and play together. Asked about day care for cats, she says, “We don’t do cat day care. They are more comfortable at home. “We will probably never be hand models,” she says of herself and her team. “On occasion we do get scratched or bitten. For really hard-to-groom animals, we request a veterinarian’s prescription for a sedative. “Dogs can weigh over 100 pounds. Try to get one into the tub that doesn’t want to go. They can bark the entire time that they’re

Emily Mansilla Grooming By Em, est. 2011 Brentwood, Maryland

Wells Fargo introduces the Business Plan Center, with complimentary tools and learning resources. Like most small business owners, Emily Mansilla* is so busy running her business that she rarely has time to measure how she stacks up against her competition. Now, the Competitive Intelligence tool is helping her focus her advertising around her biggest opportunities. It’s just one of the complimentary resources in the new Business Plan Center. To learn more, visit WellsFargoWorks.com.

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Development panel sees a county in transformation BY JOHN GOLDEN jgolden@westfairinc.com

PANEL OF GOVERNMENT AND BUSINESS leaders said Westchester County is headed in the right direction in adapting development to the needs of its 21st century population and economy despite lengthy delays in the municipal review process for developers and a shortage of affordable housing for the workforce of companies already established or considering a move here. “Navigating Westchester: Threading the needle for economic growth” was the topic addressed by panelists at The Business Council of Westchester’s recent Key Bank Speaker series breakfast in Tarrytown. One looming obstacle to that growth is the State Environmental Quality Review Act and the drawn-out review process for proposed development projects the 37-year-old state law has spawned in communities, panelists said. “SEQRA is a problem,” said Harrison Mayor Ron Belmont, who has led the town’s efforts to repurpose its Westchester Avenue office park corridor for mixed uses and redevelop its downtown with high-density, mass transit-oriented residential development. “We measure projects in dog years,” said

Westchester County Executive Robert P. Astorino, addressing the Business Council audience before the panel. A development project in the county on average takes seven years to complete, he said. “There are endless delays, which add a lot of cost and frustration if you’re trying to build something in this county and this state,” he said. Astorino said SEQRA needs to be “reduced and reformed” so that communities are protected from adverse impacts of projects while development can move forward. The county executive said he has asked county Planning Commissioner Edward Buroughs to prepare a guide on best practices for navigating the development process in Westchester. In Yonkers, where city officials last year launched Generation Yonkers, a $350,000 marketing campaign to attract millennials to live and work in the post-industrial and increasingly high-tech city on the Hudson, SEQRA also is “a problem” in redevelopment, said Wilson Kimball, Yonkers commissioner of planning and development. Downtown redevelopment came to halt in Yonkers in the credit crisis and Great Recession of 2007 and 2008, which

upended the ambitious plans and finances of the city’s former master developer, but has revived since Mayor Mike Spano took office in 2012. “Our biggest fear in the city is another downturn like 2008,” Kimball said. She said the city is trying to complete redevelopment projects “before that happens.” Panelist Timothy M. Jones, managing member of Robert Martin Co. LLC, said “political will” is the biggest obstacle to development in the county. With SEQRA and other regulatory hurdles facing developers, “What you really need is the will by political leaders to get it done,” he said. Developer Robert P. Weisz, chairman and CEO of RPW Group Inc., cited a lack of housing for young employees and “the lack of excitement for young people” as the greatest obstacles to job creation in the county by expanding and relocating companies. Both Weisz and Marsha Gordon, Business Council president and CEO, said companies cannot find “the right people” to fill jobs. Keeping young people in the county and having a properly trained workforce are key to economic growth, Gordon said. Weisz said more and smaller apartment units in taller buildings and allowing residential construction in areas that have been zoned to exclude housing, such as the Interstate 287

eL.

office park corridor, are needed. “We need very busy downtowns” with attractive night life and cultural offerings for millennials, he said. “We need lots of activity. We need density.” That necessary change “is happening right now,” Weisz said. “We’re probably at a crucial point where we are transforming Westchester. We might not recognize that because we are in the middle of the process.” He predicted the county in the next 20 years would undergo “a major transformation” with a larger medical community and facilities. Bronxville Mayor Mary C. Marvin said she has focused on filling retail space in the village to further economic growth with a Think Local, Shop Local campaign. Referring to villagers shopping at Bronxville stores and the sales tax revenue they generate, she said, “If they bought everything on Amazon.com last year, I would have had to raise their (property) taxes 12 percent.” In Westchester, “I just think we’re so going in the right direction,” Marvin said. Other panelists agreed with her assessment. As political leaders, “We have to be out there selling our communities,” she said. “We have to become the greatest salesmen for this county that we can possibly be.”

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WILMINGTON TRUST RENOWNED INSIGHT

“You treasure your collection. But what’s it really worth?”

Kemp Stickney Chief Fiduciary Officer and Head of Family Wealth

Kemp oversees the Fiduciary Services and Family Wealth team that handles the financial and life management affairs for clients with the most complex needs. He is part of a seasoned team of professionals who exemplify Wilmington Trust’s 112-year heritage of successfully advising families. To learn more about our collaborative and creative approach to managing wealth, contact Kemp or Larry Gore at 212-415-0547.

If you collect items that you’re passionate about – whether it’s wine, cars, jewelry, or even autographed sports memorabilia – you may be wondering about the actual worth of your collection. Not to mention how it fits into your overall plan for financial security. And, what do you do with your collection when keeping it is no longer feasible? While certainly a difficult decision, the old adage “you can’t take it with you” holds significant truth. Financial considerations. It’s natural to get attached to items in your collection, making it difficult to sell them when they become overvalued. It’s also common for collectors to become so enthusiastic about a new piece that they’re willing to overpay for it. That’s part of collecting, and the emotional appeal may be the reason why you began in the first place. Collectibles don’t produce income, and they’re different from marketable securities in that it can take longer and cost more to sell them. So they’re not an ideal investment for funding a retirement. It’s important to recognize that collecting is different from other types of investing,

and that decisions aren’t always based on typical investment criteria.

ABOUT 61% OF COLLECTORS INVEST IN THEIR TREASURES PRIMARILY FOR THEIR OWN PLEASURE Source: The Wealth Report 2014

Passing it on. If you want your collection to live on, you’ll have to plan carefully. You’ll need to determine if your family members are interested in inheriting your collection – or if there’s a charity or museum suited to take it on. Your estate plan should designate who’ll receive the collection and, if necessary, arrange financing for storage and insurance costs. Wilmington Trust can help. We’ve been working with successful families since our founding by the duPont family more than a century ago, and can guide you through the challenges and complexities of this and other important issues when managing your wealth. For more insight on how we can help you enjoy your collection today and prepare for its home tomorrow, visit wilmingtontrust.com/legacy.

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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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Electric — From page 3

DOE is collected from a variety of sources, including its online “Submit New Station” form, trade media and manufacturers and industry groups. Gov. Andrew M. Cuomo’s ChargeNY program that launched in 2013 looks to expand the use of electric vehicles and associated technology like charging stations. The governor set a goal of establishing 3,000 plug-in charging stations in workplaces and for public use by 2018 to accommodate an expected 40,000 plug-in electric vehicles. With about 2 1/2 years to go, the state is still far from reaching those goals. The NYSERDA data show that in 2014 there were fewer than 8,000 electric and plug-in hybrid vehicles registered in the state, and 443 public electric stations as of May 2015 (with private stations, there were 523). Catherine Parker, a Westchester County legislator, is confident, however, that these goals are achievable. “Municipalities are seeing this as a way of saving tremendous dollars,” she said about local governments implementing zero-emission vehicles in their fleets and installing charging stations. “They really can be a fairly inexpensive

addition to include into existing parking structures,” she said. There are federal and state tax credits available for individuals, municipalities and business owners who want to invest in electric vehicles and charging stations. For example, the Alternative Fuels and Electric Vehicle Recharging Property Credit started by the state in 2013 allows certain businesses to attain a 50 percent tax credit up to $5,000 based on the cost of the necessary equipment for a charging station. The credit will be available until Jan. 1, 2018. Parker said she is “hopeful” that by the end of the year there will be a plan in place for charging stations in four more lots in the county. Karl R. Rábago, executive director of the Pace Energy and Climate Center and a driver of a hybrid vehicle, said although there is some effort being made by municipalities to implement low-emission vehicles, there is still a lot that could be done. “One of the misconceptions is that if you put in a public charging network, people will use them,” he said, adding that governments should be advertising and promoting the idea. “You want people to see chargers everywhere.”

CMS merges into Putnam County Savings Bank PUTNAM COUNTY SAVINGS BANK IN Brewster on April 29 announced it has completed its $25.4 million acquisition of CMS Bancorp Inc., the White Plains-based holding company for CMS Bank. As part of the agreement, CMS, including its wholly owned subsidiary CMS Bank, merged with and into Putnam County Savings Bank. The former locations of CMS Bank in Eastchester, Greenburgh, Mount Vernon, West Harrison and Mount Kisco will be operated as financial centers of PCSB. The all-cash deal, first announced last fall, expands PCSB’s customer base in Westchester by adding five branches to its 10 branch offices in Putnam, northern Westchester, Rockland and Dutchess counties. Joseph D. Roberto, chairman, president and CEO of Putnam County Savings Bank, in the announcement said the acquisition gives the saving bank assets of about $1.3 billion. The buyer was advised by Luse Gorman Pomerenk & Schick PC and FinPro Capital Advisors Inc. Paul Hastings LLP and Sandler O’Neill + Partners LP advised CMS. — John Golden

WP launches parking app PARKING MAY GET A LITTLE easier in White Plains with the launch of a mobile app designed to make it easier to find spots and pay for them. The app, called ParkWhitePlains, was launched by the city May 4 and is available for free on Apple’s App Store and the Google Play Store for Android. The software allows the user to pay for parking without going to a meter or using Pay-by-Phone, add time to their spot and keep track of time left with a countdown timer. Other features include locating public garages and lots near the user’s destination and allowing merchants to pay for parking sessions. The app works with 14 garages and lots in the city, and the service is expected to expand to street meters by the end of the year. The system chosen to design and launch ParkWhitePlains was Passport, a Charlotte, N.C.-based mobile payment company. Passport created similar parking apps for Boston, Toronto and Chicago. — Colleen Wilson

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TWO CHARGED IN SCHOOL BUS SCAM Westchester County District Attorney Janet DiFiore recently announced charges against William Ahern, owner of A Plus Transportation in Yonkers, and Anna Sollozzo, who worked as a transportation supervisor for the Yonkers Board of Education, for allegedly defrauding the city out of approximately $280,000 for school bus services over the course of nearly two years. According to DiFiore’s office, Ahern submitted false invoices for bus services that were never provided and Sollozo would knowingly approve the invoices for payment. “The allegations outlined in the complaint are the essence of fraud, corruption and mismanagement,” DiFiore said. “How many music or art classes could have been maintained with that misappropriated money?” The defendants were arrested April 30 by detectives from the Yonkers Police Department. Ahern, 59, of Armonk, was arraigned on a felony complaint charging him with second-degree grand larceny and rewarding official misconduct. Sollozzo, 52, of Yonkers, was arraigned on a felony complaint charging her with second-degree grand larceny, criminal tax fraud, reward for official misconduct, three counts of criminal tax fraud and three counts of offering a false instrument for filing. According to the statement from DiFiore’s office, between Sept. 24, 2012, and April 11, 2014, Ahern and Sollozzo created a phantom bus route by invoicing the school board for bus pickups at the Nepperhan Community Center in Yonkers when in fact no buses were ever dispatched. During the same period, the statement said, Ahern was secretly depositing money into Sollozzo’s personal bank account totaling $107,250. The fraud came to light as the Yonkers inspector general investigated an unrelated complaint, DiFiore’s office said. Ahern and Sollozzo’s next court appearances are pending and each faces a maximum sentence of 15 years in prison.

MASTERCARD TO BUY COMPANY FOR $600M MasterCard Inc. recently announced the purchase of Applied Predictive Technologies, a cloud-based analytics provider, for $600 million, subject to customary purchase price adjustments.

FEDS: COMPANY THREATENED WORKERS BabyVision Inc., a Poughkeepsie-based maker and distributor of baby apparel and accessories, denied 49 workers overtime pay and then attempted to thwart federal investigators by hiding workers and threatening them if they spoke to U.S. Department of Labor agents, according to an announcement from the Labor Department. The company designs baby apparel and accessories and distributes them on the Internet and to retail stores under brands such as Luvable Friends, Hudson Baby, Yoga Sprout and Nurtria. It operates a warehouse and offices on Firemens Way in Poughkeepsie. Underpaid employees included those that loaded and stocked items, prepared customer orders and maintained the company’s website, the Labor Department said. A yearlong federal probe found the company’s owners, Shreenivas Shah and Malti Shah, paid employees — including some not on the company payroll — straight time in cash and denied them the required overtime pay rate of 1 1/2 times their regular hourly wage when they worked more than 40 hours in a workweek. According to the Labor Department, early in the investigation the Shahs told employees they were to hide from investigators or provide false information. Workers were threatened with termination if they cooperated with investigators, the Labor Department said. The department said it responded by

obtaining a temporary restraining order to protect the workers and their rights and allow the investigation to continue. The Shah’s actions, which also included improperly classifying some employees as exempt from overtime and failing to maintain proper payroll records, violated the federal Fair Labor Standards Act, according to the Labor Department. The Shahs were ordered in a consent judgment to pay $121,349 in overtime back wages and liquidated damages, take corrective action to prevent future violations and pay $13,744 in civil penalties.

LLS CHAPTER MOVES TO STAMFORD The Leukemia & Lymphoma Society recently relocated its Connecticut Westchester Hudson Valley chapter from White Plains to Stamford. The chapter was previously in the same building as the agency’s national office on Mamaroneck Avenue in White Plains. It moved to meet the needs of its growing staff of 23 full-time employees and to expand its reach in Fairfield County, an LLS official said. The chapter also has an office in Hartford. Briefs, page 14

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INBRIEF

APT’s Test & Learn platform helps companies tailor investments and maximize bottom-line impact, Purchase-based MasterCard said in a press release. The deal, which is anticipated to close in the second quarter of 2015, is subject to a number of conditions, including the expiration or early termination of the applicable waiting periods under the Hart-Scott-Rodino Act. “In today’s competitive business climate, companies need analytics that are easy to use and drive action,” said Kevin Stanton, president of MasterCard Advisors, in a statement. “APT’s world-class talent, technology and Test & Learn platform, matched with MasterCard’s analytics, will give our customers the advantage of enhanced and actionable decision-making.” APT, which is based in Arlington, Va., has offices in Washington, D.C.; San Francisco, Bentonville, Ark.; London; Taipei; Tokyo; and Sydney. The purchase is part of a recent effort by MasterCard to deliver differentiated services to merchants, the company said. MasterCard also recently acquired 5One, a London-based retail consulting and analytics firm.

Briefs — From page 13

Blue Hill at Stone Barns, the partner restaurant of the Stone Barns Center for Food and Agriculture in Pocantico Hills, received the James Beard Foundation outstanding restaurant award May 4 at the 25th annual James Beard Foundation Awards at Chicago’s Civic Opera House. The awards honor the top chefs, restaurants, journalists and other figures in the culinary industry. Blue Hill at Stone Barns, which classifies itself as an elegant restaurant, does not fea-

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Dennis Chillemi, the chapter’s executive director, said the staff will hold an open house June 2, from 4:30 to 7 p.m., at the chapter’s office, 3 Landmark Square, Suite 330, Stamford. LLS is a voluntary health agency dedicated to fighting blood cancer. The agency’s mission is to cure leukemia, lymphoma, Hodgkin’s disease and myeloma, and to improve the quality of life of patients and families. LLS funds blood cancer research and provides free information and support services.

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ture a conventional menu. Diners are instead served a “grazing, rooting, pecking” menu that utilizes local ingredients as well as the produce and crops grown on-site at the farm. The restaurant opened in 2004 within the Stone Barns Center for Food and Agriculture, a nonprofit farm and educational center. The farm and restaurant are on a portion of the former Rockefeller Estate. Blue Hill executive chef and co-owner Dan Barber also owns the Blue Hill restaurant in Greenwich Village, which previously received the “Best New Restaurant” award from the James Beard Foundation. The James Beard Foundation, based in New York, is a nonprofit organization that hosts awards for those throughout the culinary industry and promotes the culinary arts through scholarships and other educational opportunities.

in Westchester and Putnam counties to be awarded some of the $52 million distributed nationally for such programs through the 2014 Farm Bill. This year’s markets will be held on May 12 and 26, June 9 and 23, July 14 and 28, August 11 and 25, September 8 and 22, October 13 and 27, and November 10 and 24. To learn more about the farmers market and shuttle stops, call 914-734-3780 or go to the Harvest for Health section of the hospital website at nyp.org/hudsonvalley.

WCC PRESIDENT JOINS BUSINESS COUNCIL BOARD

HOSPITAL LAUNCHES MARKET SHUTTLE SERVICE NewYork-Presbyterian/Hudson Valley Hospital will use an approximately $100,000 federal grant to launch a shuttle service from downtown Peekskill to the hospital’s Cortlandt Manor campus for shoppers at its farmers market, which opens May 12. In its fourth season, the farmers market will operate from 11 a.m. to 4 p.m. on the second and fourth Tuesdays of each month from May through November. Hospital officials said more than a dozen vendors will offer a variety of products from fresh produce to gourmet specialty items on the hospital campus. John Federspiel, president of NewYorkPresbyterian/Hudson Valley Hospital, said the hospital will use a $99,899 grant awarded last year by the U.S. Department of Agriculture for the transportation service to make the market more accessible to the community. The grant also will fund the purchase of an electronic benefit transfer machine that will allow farmers to accept government Supplemental Nutrition Assistance Program benefits and make fresh foods more affordable for lower-income residents. “Half the battle of getting people to eat healthier is to make wholesome food more affordable and more readily available to those who might not have access to it,’’ Federspiel said. The new initiative is part of the hospital’s Harvest for Health program to prevent chronic disease and positively influence a patient’s recovery. The program includes an organic garden, the year-old Chef Peter X. Kelly Teaching Kitchen and a regionally sourced food service for patients and employees. NewYork-Presbyterian/Hudson Valley Hospital officials said the hospital was one of 10 organizations in the state and the only one

Belinda S. Miles, Westchester Community College’s first-year president, has joined The Business Council of Westchester board of directors, the business membership group recently announced. Miles in January assumed the president’s post on the Valhalla campus, coming to Westchester from Cleveland, Ohio, where she was provost and executive vice president of Access, Learning, and Success at Cuyahoga Community College. Raised in Queens, Miles also held faculty and administrative posts in the metropolitan area at LaGuardia Community College, Nassau Community College and Columbia University. She resides in New Rochelle. Marsha Gordon, president and CEO of the Business Council, in the announcement called Miles “a passionate advocate for education and for supporting students through high-quality academics. As president of one of Westchester County’s most vital educational institutions, and its most affordable, she is at the forefront of training our business community’s next generation of workers and leaders.” Westchester Community College has held a seat on the Business Council board for more than 15 years. “The Business Council and Westchester Community College have a long and distinguished history of working together, particularly in areas of education and workforce development,” Miles said. “I am pleased to continue this tradition and build on it as both the Business Council and the college embark on important and exciting endeavors together.” — Reece Alvarez, Evan Fallor, Danielle Brody and John Golden

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MAY 11, 2015

Travel with peace of mind, agents stress Insuring trips gains popularity BY REECE ALVAREZ ralvarez@westfairinc.com

PRING IS HERE AND THE Northeast is buzzing with plans for the brief window of enjoyable weather, but even the most ironclad of plans can be sunk without warn-

ing. Illness, an unexpected business trip, missed flights — any one of these scenarios can cause ruin for travel plans, yet most travelers don’t buy travel insurance and travel on luck instead. “Years ago (prior to AAA), a honeymoon couple came in booking a Hawaiian honeymoon — I will never forget it — I

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asked them if they wanted to purchase insurance and they said, ‘No, we are in love; we are not going to cancel,” said Jill Rosenberg, manager of group and executive travel services for AAA Northeast, whose coverage area includes New York and Connecticut. The couple ended up getting married in a hospital after the man broke his back defending his fiancée from an aggressive goose while touring the grounds for their wedding, Rosenberg said. According to a 2014 US Travel Insurance Association survey, one in six Americans (17 percent) said their travel plans had been impacted by medical conditions, natural disasters including severe weather, or airline-caused problems. Of those, only 22 percent had travel insurance, according to the survey. In 18 years working with AAA and nearly 30 years in the travel industry, Rosenberg said she has seen consumers go from thinking of travel insurance as an afterthought to a serious consideration, as travelers are booking vacations earlier — a trend noticed by others in the industry as well. “As the economy bounces back, hotels and cruise lines have gotten more stringent in their cancellation policies,” said Jack Ezon, president of Ovation Corporate Travel, a Manhattan-based corporate travel agency with offices in Harrison. “The improved economy has made it harder for people to find last-minute space — so they start to plan ahead to secure space but buy travel insurance as a backup.” According to Ezon, the use of travel insurance has grown 12 percent in the past year and 34 percent in the past 4 years. Most travel advisers interviewed agree that the average cost of insurance is between 4 and 10 percent of the total travel package, and can vary widely depending on the coverage options chosen, age of travelers and destination. At Tauck, a 90-year-old international guided tour and cruise company based in Norwalk, the typical cost of travel insurance is estimated at $400 per person, according to Tom Armstrong, corporate communications manager. Armstrong declined to specify what percentage of Tauck guests buy trip insurance but did note that an “overwhelming majority” of Tauck clients make the purchase. Bad weather affecting travel plans and concerns over vacation rentals are the top reasons summer travelers buy travel insurance, according to a recent

survey of licensed travel insurance agents at InsureMyTrip, a Rhode Island-based company that compares travel insurance products. Travel concerns among Tauck clients have remained consistent over the years, with potential illness and injury at the forefront for insurance-minded travelers, Armstrong said. Julie Danziger, director of luxury travel services at Ovation, noted a travel concern not mentioned by other agencies — domestic and international unrest. In particular, the shooting of Walter Scott in South Carolina and the Charlie Hebdo attacks in Paris negatively affected Ovation travelers’ plans, she said. “That has been a big deal. You have one city that one day can be the most sought after vacation spot and the next day something totally out of the ordinary can happen,” she said. With so many different things that can go wrong, from the flu to terrorists on top of a plethora of terms and conditions that may apply, “anytime cancel” travel insurance is becoming increasingly popular — though it is not without significant costs. “Anytime cancel insurance has become the most popular kind of insurance purchased,” Ezon said. “With a premium of 35 to 50 percent over ordinary policies, anytime cancel policies basically allow a traveler to cancel their trip for any reason whatsoever — even a bad hair day. By canceling, they get between 70 to 80 percent of their trip cost back.” Representatives from Ovation, Tauck and AAA all emphasized the importance and convenience of using professional travel services to prepare trips and purchase insurance. AAA warns that travelers should read the fine print. While many cruise lines and tour operators offer their own travel insurance, they may carry less coverage and benefits may stop between 24 and 72 hours before departure. The company advises travelers to request a copy of the insurance contract prior to purchase to understand what the policy does and does not cover (terms, limitations and exclusions apply), and examine other existing insurance policies such as auto, medical and umbrella policy insurance. “It is a little bit scary and daunting as a consumer to go online and pick a vacation when it is something you save for and wait for all year,” Rosenberg said. “It really is so important to go to a professional travel agency to have them find the best agent for you.”

BY JULIE LUSTHAUS

NLRB v. McDonald’s: Franchisors beware

N DECEMBER 2014, THE NATIONAL Labor Relations Board issued complaints against McDonald’s USA LLC (and some of its franchisees), alleging that McDonald’s (and the franchises) violated the rights of restaurant employees. If these complaints are successful, McDonald’s will essentially be deemed a joint employer with its franchisees. According to the NLRB’s website, it determined that McDonald’s USA, “through its franchise relationship and its use of tools, resources and technology, engages in sufficient control over its franchisees’ operations, beyond protection of the brand, to make it a putative joint employer with its franchisees.” Until now, McDonald’s and other companies that make wide use of expansion through franchising have been insulated from such liability under the NLRB’s previous definition of what constituted a joint employer. No surprise, McDonald’s was disappointed with the NLRB’s decision to issue the complaints and has stated on its website that it will contest the joint-employer allegation as well as the unfair labor practices charges in the proper forums. McDonald’s further stated that it believes that the allegations are “driven in large part by a two-year, unionfinanced campaign that has targeted the McDonald’s brand and impacted McDonald’s restaurants.” Many franchise industry experts and trade groups such as the International Franchise Association oppose the NLRB’s actions, saying treating franchisors as joint employers undermines a longtime business model that recognizes franchisees as independent business owners. Traditionally, franchisors have exerted sufficient control over the operations of their franchises to protect the brand and ensure system consistency. When a franchisor crosses the line, it can be deemed to be a joint employer as the NLRB has suggested McDonald’s has done. If McDonald’s is deemed the joint employer of its franchisees’ employees, McDonald’s corporate could be held liable for wrongdoing by its franchisees and additional consequences will likely follow for the franchise industry. Franchisors may become more hesitant in selling unit franchises to individuals with little or no management experience, preferring to only contract with large multi unit developers. Small investors would have limited opportunities to own franchised businesses, which has been one of the greatest attributes of franchising. In addition, startup franchisors may be reluctant to expand through franchising.

It is a big undertaking for a successful brand to become a successful franchise system. At the early stages of franchise development, the franchisor’s resources are expended on trainJulie Lusthaus ing franchisees on system standards and ensuring operations are turnkey. If the risk of joint employer status and liability is too high, companies may be unwilling or unable to franchise, choosing instead to expand by opening additional company units. Further, findings of joint employer status could open the floodgates to claims against franchisors in civil litigation by third parties such as franchisee customers. Franchisors must be mindful to not exercise excessive control over franchisees’ business operations. The first step is to review or have counsel review the company’s franchise documents to ensure that the franchisor is only asserting as much control over its franchisees as is necessary to protect the brand. Franchisors should make clear in their franchise agreements (and otherwise) that the franchisees are independent business operators with sole responsibility for soliciting, hiring, firing and managing their own employees. Franchisors should ensure that franchisees are required to, and do, post a sign that conspicuously indicates that the franchise is independently owned and operated. Franchisors should also ensure that franchisees are not using the franchisor’s trademarks in their corporate names. All letterhead and agreements used by franchisees, including payroll and other employment agreements, should indicate the franchisee’s corporate name so that employees will see the name of their employer. Franchisors may also want to consider having their insurance advisers review the insurance policy requirements for franchisees to help protect franchisors from potential losses. One thing is for certain, this fight is far from over. Franchisors should watch carefully as these cases develop and proceed through administrative and possibly court hearings. Attorney Julie Lusthaus is a partner in the firm of Einbinder & Dunn LLP. She can be reached by phone at 914-664-8040 and via email at jcl@ed-lawfirm.com.

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MAY 11, 2015

THELIST: SBA LENDERS

SBA LENDERS

WESTCHESTER COUNTY

Ranked by total number of loans. Listed alphabetically in the event of a tie. Name Address Area code: 914 unless otherwise noted Website

Number of loans

Average per loan ($)

Amount total ($)

James Dimon Chairman of the board, president and CEO 1824

98,291.89

3,636,800

M&T Bank

Robert G. Wilmers Chairman and CEO 1856

184,095.24

3,866,000

Community Capital New York*

Kim Jacobs Executive director 1989

22,700.00

454,000

Wells Fargo Bank NA

John G. Stumpf Chairman and CEO 1870

147,900.00

1,479,000

First Niagara Bank NA

Gary M. Crosby President and CEO 1870

118,300.00

946,400

Citibank NA

Michael L. Corbat CEO 1812

33,571.43

235,000

Webster Bank NA

James C. Smith Chairman and CEO 1870

370,000.00

1,850,000

KeyBank NA

Beth E. Mooney Chairwoman and CEO, KeyCorp 1825

125,000.00

375,000

T.D. Bank NA

Mike Pedersen President and CEO 1852

1,326,475.00

3,979,425

Capital One NA

Richard D. Fairbank Founder, chairman and CEO 1988

350,000.00

350,000

HSBC Bank USA NA

Patrick Burke Chairman, president and CEO 1865

150,000.00

150,000

1 2

JPMorgan Chase Bank NA

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101 N. Philips Ave., Sioux Falls, S.D. 57104 800-869-3557 • wellsfargo.com

726 Exchange St., Suite 618, Buffalo 14210 800-439-8230 • firstniagara.com

701 East 60th St., North Sioux Falls, S.D., 57104 605-331-2626 • citibank.com

145 Bank St., Waterbury, Conn. 800-325-2424 • websteronline.com

127 Public Square, Cleveland, Ohio 44114 800-539-2968 • key.com

2035 Limestone Road, Wilmington Del. 19808 888-751-9000 • tdbank.com

1680 Capital One Drive, McLean, Va. 22102 888-810-4013 • capitalone.com

1800 Tysons Blvd, McLean, Va. 22102 800-975-4722 • us.hsbc.com

Top executive Title Year founded

This list is a sampling of small business administration lenders that serve the region. If you wish your lender to be included in our next listing, please contact Danielle Renda at drenda@westfairinc.com. Note: Data gathered from the New York District Office of the U.S. Small Business Administration, sba.gov. and is accurate as of Sept. 30, 2014. National Association (NA) addresses may differ from bank headquarters addresses. * Data collected from July 2013-June 2014.

MAY 11, 2015

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Cuomo seeks crackdown on improper title insurance expenses

OV. ANDREW CUOMO HAS PROPOSED regulations to crack down on kickbacks and other improper expenditures that a recent investigation found are occurring in the title insurance industry. In a April 29 news release, Cuomo said new “anti-inducement” regulations, along with broader reform measures, are expected to reduce title insurance closing costs by up to 20 percent for new home purchases and up to 60 percent for refinancing transactions. The move comes in response to a recent Department of Financial Services investigation that uncovered insurance companies were paying for excessive meal and entertainment expenses, which were significantly inflating title insurance premiums for consumers. “New Yorkers should not have to foot the bill for outrageous or improper expenses made by title companies just to refinance or close on their home,” Cuomo said. “Our administration will not stand

for that kind of abuse in the title insurance industry, and these new regulations will help ensure that New Yorkers are protected from unfair charges and get the most bang for their buck.”

vided to attorneys, real estate professionals and others who represent consumers and order title insurance on their behalf. Some, the report said, were in violation of the New York Insurance Law. “Our investigation uncovered that title insurance companies paid for lavish meals and entertainment on the dime of consumers, which inflated premiums,” “THESE NEW REFORMS WILL HELP SIGNIFICANTLY REDUCE COSTS FOR said Benjamin M. Lawsky, superintendent of financial services. “These new reforms HOMEOWNERS BY TRIMMING THE will help significantly reduce costs for FAT AND MAKING SURE THAT NEW homeowners by trimming the fat and YORKERS GET WHAT THEY PAY FOR making sure that New Yorkers get what IN THE TITLE INSURANCE INDUSTRY.” they pay for in the title insurance industry.” The proposed regulations also impose caps on ancillary charges, or fees for addi— Benjamin M. Lawsky tional searches and services not included in the title insurance premium. The proposed regulations are part of a series of actions the Department of Financial Services is taking to lower premiums and The expenditures found in the invesimprove accountability in the title insurtigation include meals, entertainment, ance industry. vacations and gifts that were being pro— Evan Fallor

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MAY 11, 2015

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?

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SPECIAL REPORT INSURANCE

Statewide Abstract Corp. CEO Alan Meccia and President Ken Meccia.

Title insurance is a family affair for White Plains agency BY EVAN FALLOR evan@westfairinc.com

KEN MECCIA SEES THE TITLE INSURANCE industry as a piece of pie. Meccia, the president of Statewide Abstract Corp., a title insurance agency based in a second-floor office on Mamaroneck Avenue in White Plains, likened the dessert to the overall amount of business available to agencies in the specialized field. That pie has been shrinking in recent years, he said. An influx of agencies popping up across the tristate area has given way to increased competition in an industry hard hit by the recent recession. There are fewer and fewer clients and business to go around, but Meccia and the rest of Statewide Abstract have used their two greatest assets to keep churning. What he said has helped keep their business afloat is not just the brand recognition that clients associate with their family’s name, but also the company’s willingness and ability to provide services that other agencies might not. Many title insurance agencies specialize

in just one sector, like residential deals, but Statewide has built a model out of servicing the entire industry. “Whether its a co-op or a billion-dollar deal, we try to do it all,” Meccia said. “Our model is to service the whole industry.” “If you tie yourself into one business ... if that market catches a cold, you have pneumonia.” Joining Ken at the top of the 25-employee company is his brother and company CEO Alan Meccia. Their father, Jim, began the business in 1979 out of an office on South Broadway in Yonkers. Over the next two decades, the business bounced around several locations in White Plains until it found a permanent home on Mamaroneck Avenue roughly two decades ago. Statewide Abstract also has a smaller office in Manhattan, and previously had an office in Dutchess County. Now Statewide Abstract’s board chairman, Jim Meccia has delegated the bulk of the day-to-day responsibilities to his sons. Most other employees at the company, Ken

Meccia said, have been at the company for at least 15 years. “There’s a lot to be said about that,” he said. “We know how to get the job done. It’s very tight-knit — everybody knows everybody. It truly is a family operation.” The bulk of the company’s business comes from the metropolitan area, but also reaches up to Albany. The brothers have done deals in Texas, California and are currently working on a project in St. Croix, U.S. Virgin Islands. Statewide Abstract’s insured properties include The Westchester mall in White Plains, valued at $300 million; Richfield Hospitality’ Oak Lawn Hotel in Suburban Chicago, valued at $25 million; and Westchester County Medical Center, valued at $11 million. The company acquired Land Transfer Ltd., another White Plains-based title insurance agency, in October. It’s a complex field that requires a lengthy briefing for those unfamiliar with the field to fully understand the crux of the business. One of the main components is working with underwriters and attorneys for both buyers

and sellers to get a title report to a closing table in as smooth a process as possible. “We insure the house that you buy so that there will be no claims against it once you buy the house,” Alan Meccia said, describing the residential side of the business. We would be an agent for Allstate for instance,” before that company insures a home. He said fraud is ever-prevalent and makes the agency’s job more difficult. That, and the improper indexing of property records. Like most industries, the title insurance agency has adapted with expanding technology. When the brothers were first starting out in the family business in the 1980s, they had to go to the county land records office to find information on deeds and mortgages. Now, Meccia said, that information is available online. Ken Meccia called it “surviving the waves” of the industry, one he said is now on an upward swing. “It’s a specialized field and it’s constantly changing,” Ken Meccia said. “So you always have to be on top of your game.” WCBJ | HV Biz

MAY 11, 2015

Unique business model sets insurance company apart BY COLLEEN WILSON cwilson@westfairinc.com

HERE WAS NO DOUBT IN Ross J. Buchmueller’s mind that the insurance company he helped start in his basement in 2006 was not going to stay below ground for long. With investment help from Stone Point Capital in Greenwich, it was only a matter of weeks before Buchmueller, CEO, and co-founders, Martin Hartley, chief operating officer, and Jeffrey Paraschac, chief financial officer, were running Privilege Underwriters Inc. at the Gateway Building in downtown White Plains. By 2011 they had moved again, this time up the street to 44 S. Broadway to what is now the headquarters for the growing insurance company, a major player in the niche market of what Buchmueller called “high net worth individuals and families.” His company specializes in coverage for America’s most successful people, who typically have more than one house, more cars than drivers and valuable collections of art or wine.

MAY 11, 2015

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Buchmueller, who is originally from Boston and graduated from Trinity College in Hartford, devoted a combined 19 years to Chubb Group of Insurance Cos. and American International Group Inc. before making them two of his biggest competitors. “There were a lot of strategies to put in place that you need to serve these unique needs,” Buchmueller said. “And this is what I had spent my whole career doing, so that’s what we set out to do.” What sets the corporation apart from bigger companies like Chubb and AIG, Buchmueller said, is that “none of our competitors are predominantly consumer-oriented, let alone high net worth oriented.” And the company’s use of a “reciprocal exchange” business model proves that. Privilege Underwriters Inc. is the parent company of PURE Insurance Co. and PURE Risk Management LLC. The foundation of the company’s financial capital – and where the name comes from – is in a combined pool of the Privilege Underwriters Reciprocal Exchange, which is made up of PURE’s members, or policyholders, who pay premiums and surplus

contributions for the first five years, and PURE Insurance Co., which provides additional capital flexibility. PURE Risk Management LLC is a member-appointed entity that is paid a fee to run the exchange by doing the underwriting, rate calculations, settling claims and other management duties. This arrangement “creates a really interesting alignment,” Buchmueller said, because, as the membership guide puts it, members “pool their insurance risks among a carefully selected membership.” “It’s not enough to be rich,” Buchmueller said. Members have to exemplify responsibility and low-risk qualities like a minimal history of claims in order to qualify as a policyholder. PURE, which had fewer than 2,000 members in its first two years of business, topped 36,600 in 2014, up by about 10,000 from the previous year. The steady increase in membership has also resulted in gross premiums growing by more than 40 percent every year since the company started. In 2014, PURE reported roughly $351 million in written premiums and

expects to reach nearly $500 million by the end of the year. And the growth doesn’t stop there. PURE has nine offices in eight states nationwide and offers coverage in every state except Alaska and Idaho – gaps the company is trying to fill by year’s end. Buchmueller said the company is looking to take over another floor in its office building, which would add at least 100 employees to that location and significantly add to its more than 300 employees nationally. The space will also be used as a training facility to foster employee development. Buchmueller, who lives in Mamaroneck with his wife and two children, said he and the other co-founders had debated about starting the business in midtown Manhattan but decided that a better work-life balance was more feasible in Westchester County. “It’s a lot of hard work to start a company from scratch and if you can still be able to make Little League games that would be a nice thing. So we decided to stay in Westchester, and White Plains has been great to us,” he said.

BY STEVEN CRABBE

Protect your company from loss of key employees

S A BUSINESS OWNER, YOU recognize the importance of insuring your building, inventory and equipment. These assets are vital to the success of your company. But what would happen if a key employee died unexpectedly or became disabled? Key employees are the foundation of a successful business. They are business owners, sales directors, chief financial officers or any other individuals who are sources of leadership and profitability, and who would be extremely difficult to replace. Unless the proper steps are taken, the death or disability of a key employee can be devastating to the financial well-being of your company. The solution: Key employee protection. Funding a plan to protect key employees may give your business the additional funds it needs to: • Hire and train replacements. • Replace an employee’s contribution to profits. • Maintain the confidence of clients and creditors. • Meet possible loan obligations if the key employee was also a guarantor on business loans.

There are three basic options for funding the costs associated with the sudden loss of a key employee: cash accumulation or a sinking fund, borrowing from a bank, or life insurance. 1. Cash or sinking fund In this option, a business establishes a savings plan, much like a bank account, to protect itself from the death or disability of its key employees. At death, the cash in the savings plan is used as a source of funding. Unfortunately, this method has several drawbacks: • A savings plan accumulates funds over time. What if funds are needed tomorrow? • Accumulated cash could cause an accumulated earnings problem. • Any growth on the accumulated funds may be income taxable. • A savings plan may be depleted to pay for other expenses. • The business owner will pay dollar for dollar, thus depleting the amount of cash that could be used elsewhere. 2. Borrowing funds In this option, funds are borrowed, usually through a bank loan, to replace the financial loss caused by a key employee’s death or disability.

Drawbacks of this option include: • A potential slowdown in business growth due to additional loan repayments. • A reduction in future profits may occur because of the loan repayment. • The business owner will pay dollar for dollar plus interest.

UNLESS THE PROPER STEPS ARE TAKEN, THE DEATH OR DISABILITY OF A KEY EMPLOYEE CAN BE DEVASTATING TO THE FINANCIAL WELL-BEING OF YOUR COMPANY. • The company’s credit may be adversely affected due to greater debt. 3. Insurance Purchasing life and/or disability insurance on your key employees can be a costeffective way to safeguard your business and minimize the impact of a key employee’s death or disability. Life insurance and/or dis-

ability insurance can provide your business with the following advantages: • Funding with insurance is easy to administer. • Funds are available even if death or disability occurs the day after coverage begins. • Although the premiums are not deductible, the life insurance proceeds at death are generally received income tax-free to the business. How it works The business applies for a life insurance policy on the life of a key employee. The business is the owner and beneficiary of the policy. As policyholder, the business pays premiums to an insurance company for the policy as long as the key employee is alive and an employee. Should an insured key employee die, the death benefit proceeds from the insurance policy would pass generally income tax-free to the business, providing an immediate cash source for debt repayment, liquidity or other related concerns. 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.

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BY ANTHONY J. ENEA AND MICHAEL L. MEYERS

Consider donating a lapsing insurance policy to a charity

T IS ESTIMATED THAT APPROXIMATELY half of all life insurance policies owned by seniors will be allowed to lapse without any benefits ever being paid out other than any remaining cash surrender value. With approximately $19.2 trillion of life insurance in force in the United States at any given time, the amount that may lapse without paying any meaningful benefits to the consumer, his or her family and/or a charity of their choosing, is staggering. Consumers allow their life insurance policies to lapse for a variety of reasons. Some can no longer afford the premiums. For others, the reasons for originally purchasing life insurance no longer exist. Until the recent formation of the

MAY 11, 2015

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Insuring a Better World Fund (IABWF), we do not believe a single entity existed that aggregated and administered policies for the benefit of charity when the policy was no longer wanted or would be lapsing. The IABWF is able to accomplish the aforementioned while at the same time relieving the consumer of the obligation of paying the premiums due on said policy. Additionally, the consumer will be entitled to a charitable deduction based on the fair market value of the donated policy. The IABWF does not buy the life insurance policies and is not a life settlement. It is a charitable entity operated by the InterVivos Foundation, a tax exempt, publicly supported Section 501(c)(3) of the Internal Revenue Code charity. In order for the IABWF to consider accepting your life

insurance policy, there are various factors that must be assessed and complied with: • The insured/owner of the policy generally must be 65 years of age or older and have experienced a change in health since the policy was issued. • The insured would need to provide information about his or her current health (although no medical exams will be required). • Any and all types of life insurance policy will be accepted, whether it be term, universal, whole life or second to die. • The policy must have a minimum death benefit of $400,000. • The policy must have been purchased more than 3 years ago. The IABWF aggregates and administers thousands of donated life insurance policies. Once a policy is accepted, it will pay all premiums. The IABWF will then distribute the death benefits after the payment of all the premiums and after expenses on a pro-rata basis to the charities selected by the donor of the policy and approved by the organization’s board of directors. In essence, a charity selected by the consumer will receive a substantial por-

tion of the death benefit of a life insurance policy that would not have paid a single dime if it were allowed to lapse. All of this is accomplished, plus the donor of the policy will be able to receive a valuable charitable deduction for income tax purposes based on the approved fair market value of the policy, under Section 170 (e) of the IRC. The IABWF is able to help support numerous charities and their endeavors without any cost to the charities themselves while also allowing the consumer to obtain a valuable tax benefit. While we are generally reluctant to promote any single charity, when one is able to make something out of nothing, it deserves our attention. Anthony J. Enea is the managing member of Enea, Scanlan & Sirignano, LLP with offices in White Plains and Somers. He can be reached at 914-948-1500 or A.Enea@esslawfirm.com. Michael L. Meyers is the principal partner of Strategic Business Plans LLC with offices in Katonah, Rye Brook, and New York City. He can be reached at mmeyers8122@gmail.com.

FACTS& FIGURES BANKRUPTCIES

COURT CASES

God’s Chariots to the Heavenly Highway. 862-844D St. Ann’s Ave., Bronx 10467. Chapter 11, voluntary. Represented by God’s Chariots To The Heavenly Highway. Filed: April 30. Case no. 15-11134-mg.

Altar Enterprises Inc. Filed by the trustees of the Teamsters Local 456 Pension, Health and Welfare, Annuity, Education and Training, Industry Advancement and Legal Services Funds and Teamsters Local 456. Action: labor suits by and against labor organizations. Attorney: Giacchino James Russo. Filed: May 4. Case no. 7:15-cv-03475-CS.

HHH Choices Health Plan LLC. 2100 Bartow Ave., Suite 310, Bronx 10475. Chapter 11, involuntary. Represented by HHH Choices Health Plan LLC. Filed: May 4. Case no. 15-11158-mew.

American Express Co. Filed by The Wave Studio LLC. Action: copyright infringement. Attorneys: Amanda R. Conley, Nate A. Garhart and Vijay K. Toke. Filed: May 4. Case no. 7:15-cv-03420-CS.

Silver Realty Equities LLC. 535 Fifth Ave., Fourth floor, New York 10017. Chapter 7, voluntary. Represented by W. Marilyn Pierre. Filed: May 5. Case no. 15-11172-mew.

American Felt & Filter Co. Filed by Rodrigo Sanchez. Action: The Americans with Disabilities Act of 1990. Attorney: Jimmy Miguel Santos. Filed: April 30. Case no. 7:15-cv-03384-VB.

MANHATTAN

WHITE PLAINS Baseword Group LLC. 535 Fifth Ave., Fourth floor, New York 10017. Chapter 7, voluntary. Represented by W. Marilyn Pierre. Filed: May 5. Case no. 15-22643-rdd. Chairmasters Inc. 505 White Plains Road, Suite 212, Tarrytown 10591. Chapter 11, voluntary. Represented by Erica Feynman Aisner and Jonathan S. Pasternak. Filed: May 1. Case no. 15-22628-rdd. Honesdale Woodcraft Corp. 354 Spinner Road, Honesdale, Pa. 18431. Represented by Erica Feynman Aisner and Jonathan S. Pasternak. Filed: May 1. Case no. 15-22629-rdd.

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

Bayer HealthCare Pharmaceuticals Inc. Filed by Natalia Burga. Action: diversity-personal injury. Attorneys: Timothy J. Becker, Rolf Fiebiger and Michael K. Johnson. Filed: April 30. Case no. 7:15-cv-03348-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Anh Dinh. Action: diversity-personal injury. Attorneys: Timothy J. Becker, Rolf Fiebiger and Michael K. Johnson. Filed: April 30. Case no. 7:15-cv-03351-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Amanda Perry. Action: diversity-product liability. Attorneys: Yvonne M. Flaherty and Charles N. Nauen. Filed: May 5. Case no. 7:15-cv03499-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Mariam Smith. Action: diversity-personal injury. Attorneys: Timothy J. Becker, Rolf Fiebiger and Michael K. Johnson. Filed: April 30. Case no. 7:15-cv-03354-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Monica Thammavong. Action: diversityproduct liability. Attorney: Brian A. Goldstein. Filed: May 4. Case no. 7:15-cv-03431-CS. Bayer HealthCare Pharmaceuticals Inc. Filed Christy Trimble. Action: diversity-personal injury. Attorney: Andrew W. Hutton, Mark B. Hutton and Blake A. Shuart. Filed: May 1. Case no. 7:15-cv-03389-CS.

ON THE RECORD

Bayer HealthCare Pharmaceuticals Inc. Filed by Andrea Wackler. Action: diversity-personal injury. Attorneys: Timothy J. Becker, Rolf Fiebiger and Michael K. Johnson. Filed: April 30. Case no. 7:15-cv-03352-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Nancy Whitehorse. Action: petition for removal – product liability. Attorney: Nicholas H. Van Parys. Filed: May 5. Case no. 7:15-cv-03508-CS. NDL Associates Inc. Filed by the trustees of the Operating Engineers Local 137, 137A, 137B, 137C and 137R Annuity, Pension, Welfare and Apprenticeship Skill Improvement and Safety Funds of the International Union of Operating Engineers. Action: labor suits by and against labor organizations. Attorney: Giacchino James Russo. Filed: May 4. Case no. 7:15-cv-03468-KMK. Tam Enterprises. Filed by Mark Duncan. Action: denial of overtime compensation. Attorneys: Taylor Bell Graham and Brent Edward Pelton. Filed: May 5. Case no. 7:15-cv-03500. The Tremson Corp. Filed by the trustees of the Operating Engineers Local 137, 137A, 137B, 137C and 137R Annuity, Pension, Welfare and Apprenticeship Skill Improvement and Safety Funds of the International Union of Operating Engineers. Action: labor suits by and against labor organizations. Attorney: Giacchino James Russo. Filed: May 4. Case no. 7:15-cv-03467-VB. Vardon Inc. Filed by the Board of Trustees of the Local Union 373 United Association of Journeymen and Apprentices of the Plumbing and Pipefitting Industry Local 373 Benefit Funds. Action: labor suits by and against labor organizations. Attorney: Giacchino James Russo. Filed: May 4. Case no. 7:15-cv-03465-VB.

DEEDS Above $1 million 4CH Enterprises LLC, New York City. Seller: Savyon Development Inc., Armonk. Property: 24 Windmill Place, North Castle. Amount: $2.5 million. Filed April 29.

AMCAP Rentals II LLC, Scarsdale. Seller: Brian Gilmartin, et al, Greenwich, Conn. Property: 612 Forest Ave., Rye. Amount: $1.6 million. Filed May 4. Charisma Associates LLC, Goldens Bridge. Seller: John Nohilly, Pound Ridge. Property: 793 Bedford Road, Bedford. Amount: $2 million. Filed April 29. Fox Meadow Development LLC, Scarsdale. Seller: Else Weltz, Scarsdale. Property: 16 Fenimore Road, Scarsdale. Amount: $1.5 million. Filed May 4. IHP Elmsford NY Owner LLC, Palm Beach, Fla. Seller: Winston Elmsford SPE LLC, Oak Brook, Ill. Property: 200 W. Main St., Greenburgh. Amount: $19.9 million. Filed May 5. Kardia 192 Realty Corp., Yonkers. Seller: Henry Moses Jr., et al, Scarsdale. Property: 2 Deerfield Lane, Scarsdale. Amount: $1.9 million. Filed April 30. Loop Road Holdings LLC, Greenburgh. Seller: Eastview Holdings LLC, New York City. Property: 555 Saw Mill River Road, Greenburgh. Amount: $73 million. Filed May 5.

Below $1 million 1 Maple Tree LLC, South Salem. Seller: Alexander Rovello, Port Chester. Property: 8 Leonard St., Rye. Amount: $288,000. Filed May 4. 110-111 Street Holdings LLC, New York City. Seller: Lisa Roberts, et al, New York City. Property: 149 Fenimore Road, A2, Mamaroneck. Amount: $470,000. Filed April 30. 28 Ridgeland LLC, Yonkers. Seller: Mary Jane Anderson, Rye. Property: 28 Ridgeland Terrace, Rye. Amount: $560,000. Filed April 29. 302 WP LLC, Flushing. Seller: Peekskill Partners LLC, White Plains. Property: 302 W. Post Road, White Plains. Amount: $280,000. Filed April 30. 344 Webster LLC, Long Island City. Seller: Happy State Bank, Canyon, Texas. Property: 344-354 Webster Ave., New Rochelle. Amount: $650,000. Filed May 4.

48 Beech Street Management Company LLC, Port Chester. Seller: 44 Beech Street Corp., Port Chester. Property: 44 Beech St., Rye. Amount: $265,000. Filed April 29. Algonquin Gas Transmission LLC, Houston, Texas. Seller: Robby R. Teichman, et al, Cortlandt Manor. Property: 4 Baron De Hirsch Road, Cortlandt. Amount: $394,908. Filed May 4. BLD Irvington LLC, Greenwich, Conn. Seller: Laurie Josephs, Greenwich, Conn. Property: 2 Stearns Ridge, Greenburgh. Amount: $368,907. Filed May 5. Cartus Financial Corp., Danbury, Conn. Seller: Javier Farfan, et al, Cortlandt Manor. Property: 4 Gabriel Drive, Cortlandt. Amount: $427,000. Filed May 4. D and C Hometime LLC, Poughquag. Seller: Michael Levy, White Plains. Property: 109 Alexander Ave., White Plains. Amount: $330,000. Filed April 29. DDSA Realty LLC, Bronxville. Seller: Party of Five Corp., Mount Vernon. Property: 1 Cedar St., Eastchester. Amount: $695,000. Filed May 5. Elk Homes Partners II LP, Rye. Seller: David Larsen, et al, Scarsdale. Property: 59 Fayette Road, Scarsdale. Amount: $970,000. Filed May 5. Federal National Mortgage Association. Seller: Daniel L. Pagano, Yorktown Heights. Property: 3 Dogwood Place, New Castle. Amount: $523,645. Filed May 1. Global Real Estate USA Inc., New York City. Seller: John Sullivan, et al, Scarsdale. Property: 39 Lee Ave., Eastchester. Amount: $715,000. Filed May 4.

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HSBC Bank USA N.A. Seller: Carol R. Mark, Mount Vernon. Property: 603 Sixth Ave., Mount Vernon. Amount: $271,448. Filed May 5. HSBC Bank USA N.A. Seller: Mary J. McCurdy, Tarrytown. Property: 10 Dell Ave., 17, Mount Vernon. Amount: $182,750. Filed April 29.

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MAY 11, 2015

HEALTH QUEST ADDS TO ITS STAFF LaGrangeville based-Health Quest Urgent Care welcomed Yelena Globina as director of the occupational medicine program. The program, which is available seven days a week, offers services including wound and laceration care and repair, sprain treatment, digital X-rays and evaluation of potentially toxic exposure. Globina is board-certified in occupational and environmental medicine and general preventive medicine/public health. She holds a bachelor’s from Barnard College and a medical degree from SUNY Stony Brook. Yelena Globina

WALLACE JOINS HOULIHAN & O’MALLEY Bronxville-based Houlihan & O’Malley welcomed Jason Wallace, a licensed real estate agent, to the firm’s commercial sales group. Prior to joining, Wallace served as president and CEO of Hospitality Concepts Restaurant Consulting, where he worked with architectural and interior design firms on more than 20 restaurant construction projects. A U.S. Navy veteran and alumnus of the Culinary Institute of America, Wallace began his food service career as a sous chef apprentice in La Rochelle, France.

Jason Wallace. Photo courtesy Alan Abrams Photography

ARTSWESTCHESTER ANNOUNCES $42,000 IN GRANTS White Plains-based ArtsWestchester announced more than $42,000 in grants awarded to 32 artists and organizations that support arts projects throughout Westchester County. Funded projects, announced at a grant ceremony, include performing and visual art, youth writing workshops, mutual projects, open studio weekends, free theater experiences

and concerts. Two individual artists received Arts Alive Artist Grants this year, including Cornell Carelock, who is bringing original hip-hop music to community sites and Patrick McNeil, who is merging words and images inspired by children’s literature into a mural for the Hastings-on-Hudson Public Library.

‘POWER OF THE PURSE’

From left, Sara Badler of New York Life Insurance, Lucy Chan of IBM, Dawna Michelle Fields of Colgate-Palmolive and Geri E. Pell of Pell Wealth Partners.

Girls Inc. Westchester, an affiliate of Girls Inc., a national organization to inspire girls, held its fourth annual “Power of the Purse” awards dinner April 16 at the Greentree Country Club in New Rochelle. Honorees, referred to as “Purse-o-nalities,” included Sara Badler, senior vice

MAY 11, 2015

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president, deputy general counsel and chief investment council, New York Life Insurance Co.; Lucy Chan, vice president, growth markets and global services business development, IBM; and Geri Pell, CEO, Pell Wealth Partners.

JONES, JORDAN AND KOSTER JOIN ECKERT SEAMANS

MKCC CELEBRATES 50 YEARS

Eckert Seamans Cherin & Mellott LLC, a law firm with an office in White Plains, has appointed Michael R. Jones, Afiya M. Jordan and Kelly Robreno Koster as new associates. Jones focuses his practice on intellectual property matters, previously serving as a volunteer assistant attorney general in the New York attorney general’s office. He received his J.D. from Brooklyn Law School and his bachelor’s in mechanical engineering from SUNY.

The Mount Kisco Chamber of Commerce (MKCC) is celebrating 50 years of supporting business growth with an anticipated 150 business owners, professionals and residents, May 13, 6:30 p.m., at the Holiday Inn of Mount Kisco, 1 Holiday Drive,

WHITE PLAINS BRINGS MARCHERS OF ALL AGES Approximately 4,000 residents joined together to participate in the 2015 March for Babies to benefit the March of Dimes. Families and corporate teams met at Saxon Woods Pool to raise more than $800,000 to support the healthy birth of babies. Money raised by the event funds research, education and local community grants for programs. For more information, visit marchforbabies.org.

Jordan started her career in the general litigation and products liability practices of several international law firms. She received her J.D. and bachelor’s from Columbia University. Koster focuses her practice on complex commercial, product liability and labor and employment litigation. She received her J.D. from American University – Washington College of Law and her bachelor’s from Cornell University.

Mount Kisco. Frank Yozzo of Mount Kisco, owner and operator of Four Seasons Flower Shop, is being named the 2015 Citizen of the Year. He is being recognized for his desire to give back to the community.

KEANE & BEANE WELCOMES GREENBERG White Plains-based Keane & Beane, a law firm, appointed Michael J. Greenberg as an associate in the firm’s trusts and estates and elder law practices. Greenberg’s practice focuses on estate and tax planning and administration, elder care and disability planning, guardianship, Medicaid planning, surrogate’s

court litigation and special needs planning. Greenberg continues to serve as a second lieutenant and judge advocate in the New York Guard, where he provides free legal service for soldiers, sailors, airmen, marines, coastguardsmen and their families.

NEWS NOON @

UNITED WAY OF DUTCHESS-ORANGE CELEBRATES CAMPAIGN

MAY 15-JUNE 6 “Structures” by Laura Borneman, an exhibit of paintings, drawings and sculpture, is having an opening reception 7 to 9 p.m., May 15 at Alliance Gallery, Delaware Arts Center, 37 Main St. in Narrowsburg. For more information, call 845-252-7576.

MAY 19 Professional Women of Westchester is featuring its “You, Your Business, Only Better” luncheon series with guest speaker, Laura Powers of Powers Career Coaching LLC, noon to 2 p.m., M& Bank, 303 S. Broadway, Tarrytown. For more information, visit professionalwomenofwestchester.com.

MAY 28

AMERICAN CANCER SOCIETY HONORS ENT & ALLERGY ASSOCIATES The American Cancer Society is honoring White Plains-based ENT & Allergy Associates LLP at the annual Diamond Gala, June 19 at the Schiff Family Great Hall in the Bronx Zoo. The evening features cocktails, food, music, a silent auction and a mission auction to raise funds for the Hope Lodge Network, which provides free lodging for cancer patients receiving treatment away from home. ENT & Allergy Associates LLP is being presented with the Society’s Beacon of Hope Award, which is annually presented to an individual or business in Westchester County who has demonstrating a commitment to the fight against cancer. For more information, visit diamondgala.org.

Rebuilding Together Dutchess County, a nonprofit housing organization, is hosting its 23rd annual golf tournament, 7:30 a.m. registration and breakfast and 9 a.m. start, Dutchess Golf Club, 2628 South Road, Poughkeepsie. For more information, visit rtdutchess.org.

MAY 29 The Yorktown Chamber of Commerce is hosting its 17th annual dinner dance and awards celebration, 7 p.m., Villa Barone Hilltop Manor, 466 Route 6, Mahopac. For more information, visit yorktownchamber.org. From left, Steve Howell, board chairman; Jeannie Montano, president and CEO; and Steven Lant, interim president and CEO of United Way of Dutchess-Orange Region.

The United Way of the Dutchess-Orange Region celebrated its 2014 campaign for the common good with the “Celebration of Service” awards event at Anthony’s Pier 9 in New Windsor. More than 300 people attended the event, which honored volunteers, donors, community partners and sponsors as well as long time volunteer and community leader Steven

V. Lant, the recipient of the leadership award. Lant, who retired in October 2014 as CEO of Central Hudson Gas & Electric Corp., served on the Dutchess County board of the United Way from 1997-2008, as its chairman from 2003-2005, as interim leader in 2004 and as interim president and CEO from November 2014 to March 2015

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MAY 11, 2015

FACTS & FIGURES LaGia Development Realty Corp., Bronx. Seller: Grace Patti, et al, New Rochelle. Property: 8 Second Ave., Pelham. Amount: $550,000. Filed May 5.

MAMARONECK, 611 Rushmore 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: Eduardo Mairena. Referee: Josi Ann Mosiello. Sale: May 14, 10 a.m. Approximate lien: $522,954.90.

LaGia Development Realty Corp., Bronx. Seller: Grace Patti, et al, New Rochelle. Property: 8 Second Ave., Pelham. Amount: $50,000. Filed May 5.

NEW ROCHELLE, 80 Boston Post Road, Apt. 26. Condominium; lot size: N/A. Plaintiff: US Bank National Association. Plaintiff ’s attorney: Gross Polowy LLC; 1775 Wehrle Drive, Williamsville. Defendant: Michael Nader. Referee: Robert Ryan. Sale: May 20, 10:30 a.m. Approximate lien: $853,538.23.

Nationstar Mortgage LLC. Seller: Ryan Scott Karben, Pomona. Property: 133 Mountaindale Road, Yonkers. Amount: $242,000. Filed May 4. Olivini Ltd., Mount Vernon. Seller: John Tota, et a, Scarsdale. Property: 112 Overlook St., Mount Vernon. Amount: $315,000. Filed April 30. RHF Construction Inc., Brooklyn. Seller: The Bank of New York Mellon Trust Company N.A. Property: 10 Truesdale Place, Yonkers. Amount: $155,000. Filed May 4. St Casimir Realty LLC, Yonkers. Seller: The City of Yonkers. Property: 10 St. Casimir Ave., Yonkers. Amount: $500,000. Filed May 4. The Bank of New York Mellon Trust Company N.A. Seller: Bruce L. Bozeman, Mount Vernon. Property: 1853 Jacob St., Cortlandt. Amount: $739,873. Filed April 30. U.S. Bank N.A. Seller: Andrew K. Brotman, White Plains. Property: 1-13 Greenridge Ave., 1D-2, White Plains. Amount: $150,743. Filed May 4. U.S. Bank N.A. Seller: Eduis Rodriguez, White Plains. Property: 604 Simpson Place, Peekskill. Amount: $161,500. Filed April 29.

FORECLOSURES DOBBS FERRY, 22 Roundhill Road. Apartment; lot size: N/A. Plaintiff: Bayview Loan Servicing LLC. Plaintiff ’s attorney: Fein Such & Crane LLP;1400 Old Country Road, Westbury. Defendant: Rosalinda Gagliardi. Referee: Ryan Scott Karber. Sale: May 13, 9 a.m. Approximate lien: $457,350.66.

OSSINING, 18 First Ave. Single-family residence; .13 acre. Plaintiff: Deutsche Bank National Trust Co. Plaintiff ’s attorney: McCabe, Weisberg & Conway, P.C., 914-636-8900; 145 Huguenot St., Suite 401, New Rochelle. Defendant: Roxanee Macken. Referee: Joseph Marra. Sale: May 20, 9:30 a.m. Approximate lien: $436,345.68. PEEKSKILL, 620 Homestead Ave. Single-family residence; lot size: N/A. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Frenkel, Lambert, Weiss, Weisman & Gordon, 631-969-3100; 53 Gibson St., Bay Shore. Defendant: Johnny Mogrovejo. Referee: Daniel Romano. Sale: May 14, 10:30 a.m. Approximate lien: $240,644.17. SCARSDALE, 7 Harney Road aka 11 Harney Road. Singlefamily residence; .31 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: McCabe, Weisberg & Conway PC, 914-636-8900; 145 Huguenot St., Suite 401, New Rochelle. Defendant: Andrew Kelly. Referee: Ted Novick. Sale: May 20, 10 a.m. Approximate lien: $821,143.59. YONKERS, 124 Locust Hill Ave. Two-family residence; .2 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Peter T. Roach & Associates., 516-938-3100; 125 Michael Drive, Suite 105, Syosset. Defendant: Shadi Hilo. Referee: Edward Kallen. Sale: May 27, 1:30 p.m. Approximate lien: $640,975.05.

JUDGMENTS 1561 Central Park Ave Owners Inc., Yonkers. $19,514 in favor of Hess Corp., Woodbridge, N.J. Filed May 1.

MAY 11, 2015

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A and S Quick Stop, Newburgh. $9,936 in favor of Stanson Automated LLC, Yonkers. Filed April 29. Canal Asphalt Inc., Mount Vernon. $90,297 in favor of the trustees of the Teamsters Local 456 Pension, Elmsford. Filed April 27. Catucci Home Heating Oil Inc., Yorktown. $211,344 in favor of Carmel Terminals Inc., Brewster. Filed April 28. Cornwall Lizzies LLC, Cornwall-on-Hudson. $9,003 in favor of Thomas O. Miller and Company Inc., Marlboro. Filed April 30. D2-Autosprt LLC, Yonkers. $4,980 in favor of Asap Logistics Ltd., Jamaica. Filed April 27. Egan Architectural Metal and Glass Inc., Yonkers. $41,152 in favor of Local Union No. 580 International, New York City. Filed April 30. Hudson View Realty NY LLC, Larchmont. $14,555 in favor of Singer Energy Group LLC, Elmsford. Filed April 27. Nicvape Inc., Spartanburg, S.C. $217,303 in favor of Ampak Company Inc., Larchmont. Filed April 28. Renaissance Project Foundation Inc., New Rochelle. $102,156 in favor of Duso Food Distributors Inc., Ellenville. Filed May 1. Richard Msonthi ABC Consulting, Mount Vernon, $7,455 in favor of Gem 161 Corp., Yonkers. Filed April 27. Tradepaq TRM LLC, Scarsdale. $304,000 in favor of Empire Resources Inc., Fort Lee, N.J. Filed April 30.

LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. Ayala, Antonio, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $330,000 affecting property located at 43 Warren St., New Rochelle 10801. Filed July 11.

Banks, Nettie C., et al. Filed by OneWest Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $544,185 affecting property located at 151 Smith St., Peekskill 10566. Filed July 11.

Maniram, Harold, et al. Filed by Aurora Loan Services LLC. Action: seeks to foreclose on a mortgage to secure $720,000 affecting property located at 10 City Place, Unit 22G, White Plains 10601. Filed July 14.

MECHANIC’S LIENS 82-84 Fremont LLC, as owner. $2,900 as claimed by Prime Building Services Inc., White Plains. Property: in Harrison. Filed May 1.

Baum, Glen S., et al. Filed by Deutsche Bank National Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $339,200 affecting property located at 2679 Old Yorktown Road, Yorktown Heights. Filed July 14.

Posada, Frances M., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $417,000 affecting property located at 139 Havilands Lane, White Plains 10605. Filed July 14.

Bodick, Jennifer L., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $525,000 affecting property located at 9 Round Hill Road, Armonk 10504. Filed July 14.

Richard, Genovefa M., et al. Filed by OneWest Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $520,000 affecting property located at 61 North St., Mount Vernon 10550. Filed July 11.

Boyd, Sasha, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $84,000 affecting property located at 142 N. Eighth Ave., No. 2, Mount Vernon 10550. Filed July 14.

Rogers, John, et al. Filed by Hudson City Savings Bank. Action: seeks to foreclose on a mortgage to secure $950,000 affecting property located at 22 Winthrop Lane, Scarsdale. Filed July 14.

Bravo, Vicente, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $465,405 affecting property located at 185 Croton Ave., Ossining 10562. Filed July 11.

Santana, Dulce, et al. Filed by Flagstar Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $360,000 affecting property located at 556 Van Cortlandt Park Ave., Yonkers 10705. Filed July 11.

Chapman, Roosevelt H., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $417,000 affecting property located at 40 Rockingchair Road, White Plains 10607. Filed July 11.

Vasta, Salvatore P., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $185,000 affecting property located at 86 Croton Ave., Cortlandt Manor 10567. Filed July 14.

Crystal Glass Services, et al. Filed by Metalex Inc. Action: seeks to foreclose on a mortgage to secure $50,000 affecting property located at 68 Runyon Ave., Yonkers 10710. Filed July 14.

Velardo, Antonio, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $440,000 affecting property located at 76 Broadway, Ossining 10562. Filed July 14.

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

Villa, Lucrecia E., as administrator and heir to the estate of Segundo Velez, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $297,500 affecting property located at 1012 Orchard St., Peekskill 10566. Filed July 14.

Art By Peruvian Hands, 9 Jackson St., New Rochelle 10801, c/o Tani Torres and Maria Cubas. Filed March 26.

Forte, Anthony Cliﬀord, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $436,450 affecting property located at 129 Monroe St., Mount Vernon 10553. Filed July 14. Frederick, Eleanor L., et al. Filed by Flagstar Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $268,975 affecting property located at 48 Vernon Ave., Mount Vernon 10553. Filed July 11. Harris, William C., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $518,925 affecting property located at 169 Union Ave., Tarrytown 10591. Filed July 11.

Wu, Charles, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $350,200 affecting property located at 2985 Hickory St., Yorktown Heights 10598. Filed July 11.

Brooks Shopping Center LLC, as owner. $287,399 as claimed by L.J. Coppola Inc. Property: in Yonkers. Filed April 27. Caspare, Maureen, as owner. $8,477 as claimed by Top Drawer Custom Cabinetry Corp., New Rochelle. Property: in Mamaroneck. Filed May 1. Leonard Holding Corp., as owner. $2,800 as claimed by Prime Building Services Inc., White Plains. Property: in Harrison. Filed May 1. Mastercard International Inc., as owner. $10,000 as claimed by Junior Carter Mechanical Corp. Property: in Harrison. Filed April 30. Metropolitan Plaza WP LLC, as owner. $22,477 as claimed by E.L. Wagner Company Inc., Darien, Conn. Property: in White Plains. Filed April 29. Post Rd Plaza Fee LLC, as owner. $22,946 as claimed by New Jersey Boom and Erectors Inc., Henryville. Property: in Pelham. Filed May 1.

NEW BUSINESSES

Partnerships

Creative Control, 14 Elinor Place, Yonkers 10705, c/o Daniel Amato and Johnnie Saunders. Filed March 25. Stanlou Deli Mart LLC, 28 N. Broadway, Yonkers 10701, c/o Joel Iskowitz and Ruben Soto. Filed March 26.

FACTS & FIGURES Sole Proprietorships Alboe, 110 Gramatan Ave., Mount Vernon 10550, c/o Nnabugwu Gogoh. Filed March 25. Bold and Beautiful Plus Size, 231 S. Fifth Ave., Apt. 2, Mount Vernon 10550, c/o Keisha Grant. Filed March 25. Denial Estrada Salon, 255 Dr. Martin Luther King Jr. Blvd., Room 2, White Plains 10601, c/o Omar Estrada. Filed March 26. Eclat Consulting, 8 Wyndover Woods Lane, Apt. 12, White Plains 10603, c/o Delroy Myke. Filed March 25. Fernando’s Jewelry, 1015 Orchard St., Peekskill 10566, c/o Fernando Coronel. Filed March 26. Macarena’s Hand Made, 40 Underhill Place, West Harrison 10604, c/o Macarena Georgina Vargas Ergueta. Filed March 26.

HUDSON VALLEY BUILDING LOANS Below $1 million Parr, Eileen T., et al, as owner. Lender: Rondout Savings Bank. Property: in Red Hook. Amount: $240,000. Filed April 28. Dekoskie, Darin J., Port Ewen, as owner. Lender: Rondout Savings Bank, Kingston. Property: 240 Tilden St., Port Ewen 12466. Amount: $245,000. Filed April 28.

DEEDS Above $1 million

Seek and Ye Shall Find Counseling Services, 132 Crary Ave., Mount Vernon 10553, c/o Theresa N. Sullivan. Filed March 25.

Clapp Hill LLC, Wappingers Falls. Seller: Steven Klein, Poughkeepsie. Property: in Beekman and LaGrange. Amount: $1.2 million. Filed April 28.

Shattemac Capital Management, 50 Memorial Plaza, No. 296, Pleasantville 10570, c/o Doris Marie Rossiter. Filed March 25.

DP59 LLC, Mount Kisco. Seller: Cogi LLC, New York City. Property: 15 Kirby Hill Road, Pawling. Amount: $3.1 million. Filed April 22.

Sylvia’s Beauty Salon, 64 Mount Vernon Ave., Mount Vernon 10550, c/o Sylvia Kay Edwards. Filed March 25.

RTE 52 LLC, Hopewell Junction. Seller: Mid-Hudson Valley Federal Credit Union, Kingston. Property: in East Fishkill. Amount: $1.3 million. Filed April 24.

T Star Transportation Services, 637 Van Cortland Park Ave., Apt. 2E, Yonkers 10705, c/o Thomassenia Dixon. Filed March 25. Tarrytown Psychic and Tarot, 25 Main St., Tarrytown 10591, c/o Crystal Miller. Filed March 25. The Green Team, 6 Birchbrook Drive, Valhalla 10595, c/o Virginia A. Brown. Filed March 26. Victoria Maggard Design, 165 Oak Ave., Larchmont 10538, c/o Victoria L. Maggard. Filed March 26. Virginia Brown, 6 Birchbrook Drive, Valhalla 10595, c/o Virginia A. Brown. Filed March 26. Yeury Sound System, 137 Willow St., Yonkers 10701, c/o Franklin R. Collado. Filed March 25.

Tau Moon Farm LLC, Wassaic. Seller: James Cahill, et al, Nantucket, Mass. Property: 460 Sinpatch Road, Amenia 12501. Amount: $4.9 million. Filed April 24.

Below $1 million

Brookﬁeld Global Relocation Services LLC, Scottsdale, Ariz. Seller: DP Prakash, et al, Hopewell Junction. Property: 15 Four Corners Blvd., Hopewell Junction. Amount: $457,000. Filed April 27. CitiMortgage Inc. Seller: Patricia L. Campanaro, Hopewell Junction. Property: 8306 Chelsea Cove North, Hopewell Junction 12533. Amount: $275,500. Filed April 30. County of Ulster, Kingston. Seller: Michael E. Wendel, Poughkeepsie. Property: in Wawarsing. Amount: $165,000. Filed April 29. Deutsche Bank National Trust Co. Seller: John M. Perone, Larchmont. Property: 45 Fenwood Drive, Pawling 12564. Amount: $474,000. Filed April 30. Deutsche Bank National Trust Co. Seller: Michael A. Basso Jr., et al, Carmel. Property: 101 Talmadge St., Poughkeepsie 12601. Amount: $181,000. Filed April 24. DMS Consolidators Ltd., Somers. Seller: Beacon Ridge Associates Inc., Beacon. Property: in Beacon. Amount: $475,000. Filed April 28. Double R. Capital Inc., Poughkeepsie. Seller: Diane Tangredi, Poughkeepsie. Property: in Poughkeepsie. Amount: $64,000. Filed May 1. Double R. Capital Inc., Poughkeepsie. Seller: Federal Home Loan Mortgage Corp. Property: 904 Cherry Lane Drive, Poughkeepsie 12603. Amount: $69,000. Filed April 23. Dutchess Eclectic LLC, New York City. Seller: M and S Associates, Poughkeepsie. Property: in Poughkeepsie. Amount: $550,000. Filed May 1.

211 Winnikee LLC, Rhinebeck. Seller: 10725 Winnikee Holdings LLC, New York City. Property: in Poughkeepsie. Amount: $40,000. Filed April 23.

Ellem Holdings LLC, Tarrytown. Seller: Russell J. Kellites, San Francisco, Calif. Property: in Hyde Park. Amount: $37,000. Filed April 29.

243 North Road Realty LLC, Poughkeepsie. Seller: SFH Ventures Inc., New York City. Property: 243 North Road, Unit 1B, Poughkeepsie. Amount: $81,250. Filed May 1.

Family and Friends Cottages LLC, Rockville Center. Seller: Alan R. Makowsky, Boynton Beach, Fla. Property: in Rochester. Amount: $210,000. Filed April 28.

Bat Holdings One LLC, Columbia, S.C. Seller: The Bank of New York Mellon. Property: in Plattekill. Amount: $20,900. Filed April 27.

Federal Home Loan Mortgage Corp. Seller: Noel P. Russ, New Paltz. Property: 46 Hampton Road, Marlboro 12542. Amount: $200,313. Filed April 27.

Federal Home Loan Mortgage Corp. Seller: Ronald C. Blass Jr., Poughkeepsie. Property: 11 Russo Drive, Hopewell Junction 12533. Amount: $180,000. Filed April 23.

Shookville Realty LLC, New York City. Seller: Richard H. Schreiber, Rhinebeck. Property: in Milan. Amount: $729,000. Filed April 22.

Fiegor Properties LLC, Peekskill. Seller: Sabrina N. Morris, et al, Poughkeepsie. Property: in Poughkeepsie. Amount: $110,000. Filed April 22.

Struzzieri Properties Inc., Saugerties. Seller: Fannie Mae. Property: 19 Mill Lane, Saugerties 12477. Amount: $117,000. Filed April 30.

Foster Properties I LLC and Foster Properties II LLC, Hopewell Junction. Seller: Raymond A. Croniser Jr., et al, Hopewell Junction. Property: 40 Foster Road, Hopewell Junction. Amount: $575,000. Filed April 23.

Trimegisto LLC, Poughkeepsie. Seller: Thomas M. Grogan, Pleasant Valley. Property: in LaGrange. Amount: $740,000. Filed April 28.

Fresh Breath Properties LLC, Kingston. Seller: Diane Feeney, New Paltz. Property: 12 Mountain View Drive, LaGrange. Amount: $122,500. Filed April 30. Gemmati Properties LLC, Poughkeepsie. Seller: OneWest Bank N.A. Property: 47 S. Clinton St., Poughkeepsie 12601. Amount: $21,000. Filed April 24. Glasco Realty LLC, Saugerties. Seller: Gary Mecabe, et al, Kingston. Property: in Saugerties. Amount: $260,000. Filed April 30. Glenerie Cottages Inc., Albany. Seller: Bayview Loan Servicing LLC, Coral Gables, Fla. Property: 38 Glasco Turnpike, Saugerties 12477. Amount: $59,000. Filed April 29. Lomotion Auto LLC, Poughkeepsie. Seller: John J. Lomoriello, Poughkeepsie. Property: in Poughkeepsie. Amount: $450,000. Filed April 29. M&T Bank, Getzville. Seller: Mary Zugibe Raleigh, Warwick. Property: 35 Birchwood Drive, Rhinebeck 12572. Amount: $104,500. Filed April 28. Marap Realty LLC, Kingston. Seller: M&T Bank, Getzville. Property: 474, 476, and 478 Delaware Ave., Kingston 12401. Amount: $26,500. Filed April 30. Minnow Motors LLC, Red Hook. Seller: Chauncey T. Maggiacomo, Salt Point. Property: 287 South Ave., Poughkeepsie 12601. Amount: $275,000. Filed May 1. Platypus Press LLC, Saugerties. Seller: Alexander Paul McMenemy, Woodstock. Property: in Woodstock. Amount: $303,000. Filed April 27.

U.S. Bank N.A. Seller: 53 Garden LLC, et al, Kingston. Property: 53 Garden St., Poughkeepsie 12601. Amount: $60,000. Filed April 28.

JUDGMENTS 211 Pit Stop Inc., Ellenville. $805 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed April 27. 731 Ulster Avenue Inc., Kingston. $4,888 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 30. A Cut Above Family Tree LLC, Kingston. $3,608 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 30.

U.S. Bank N.A. Seller: 53 Garden LLC, Kingston. Property: 53 Garden St., Poughkeepsie 12601. Amount: $60,000. Filed April 28.

Bucks Vs. Bytes Inc., Rosendale. $169 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 30.

U.S. Bank N.A. Seller: Joseph John Schoicket, Holmes. Property: 56 Route 292, Holmes 12531. Amount: $343,000. Filed April 29.

Carmelo’s Cabinet Shop Inc., Ulster Park. $112 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 30.

U.S. Bank N.A. Seller: Michael J. O’Connor, Poughkeepsie. Property: 174 Old Route 9, Fishkill 12524. Amount: $356,500. Filed April 27.

Caruso Paving Inc., Highland. $2,084 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed April 27.

U.S. Bank N.A. Seller: Michael J. O’Connor, Poughkeepsie. Property: 174 Old Route 9, Fishkill 12524. Amount: $356,500. Filed April 27.

DMG Installs, Ellenville. $2,123 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed April 27.

WCM Holdings LLC, Fishkill. Seller: U.S. Bank N.A. Property: 1752 Route 52, Fishkill 12524. Amount: $124,000. Filed April 24.

Earth River Expeditions Inc., Accord. $239 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed April 27.

Wells Fargo Bank N.A. Seller: David Velie, et al, New Paltz. Property: 37 Kelsey Road, Poughkeepsie 12601. Amount: $66,500. Filed April 23. Wells Fargo Bank N.A. Seller: Marcia Ann Jacobowitz, Walden. Property: 12 Boulevard Knolls, Poughkeepsie 12601. Amount: $178,000. Filed April 30. Whaley Lake Preservation LLC, Pawling. Seller: Anat Mor, Pawling. Property: Whaley Lake, Pawling 12564. Amount: $115,000. Filed April 24.

Ellenville Diner Inc., Ellenville. $2,739 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed April 27. GCIA Inc., Highland. $321 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed April 27. H and L Limo Inc., Kingston. $976 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 30. Hook Slide Inc., Kingston. $241 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed April 27.

WCBJ | HV Biz

MAY 11, 2015

FACTS & FIGURES Hudson Valley Homes and Renovations Inc., Kingston. $116 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 30.

Arias, Filadelfo, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $273,480 affecting property located at 5 Poppy’s Lane, Pawling 12564. Filed April 24.

J Whalen Rooﬁng and Co., Kingston. $1,859 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed May 1.

Balducci, Nancy M., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 15 Brandy Lane, Wappingers Falls 12590. Filed April 16.

James DePietro Enterprises LLC, Saugerties. $214 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 30.

Barrack, Pamela, as administratrix of the estate of Richard T. Coleman, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $340,000 affecting property located at 10 Edna Drive, Hyde Park 12538. Filed April 13.

Larome Sanx Inc., Highland. $1,419 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed April 27. Millennium Contractors Inc., Pine Bush. $760 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 30.

Barto, Merlin F. Jr., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $196,000 affecting property located at 24 Summer St., Dover Plains 12522. Filed April 21.

Murdoch Security and Investigations Inc., New Paltz. $54,279 in favor of the the New York State Department of Taxation and Finance, Albany. Filed April 30.

Brady, Brendan J., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $220,943 affecting property located at 3 Locust Road, Poughkeepsie 12603. Filed April 27.

Paisano’s Restaurant Inc., Kingston. $524 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 30.

Brizzie, Ralph, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $50,000 affecting property located at 17 Myrtle Ave., Pine Plains 12567. Filed April 17.

R and K Building and Remodeling Inc., Cottekill. $367 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed April 27. W.E. Bryant’s Inc., Kingston. $9,759 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 30.

Brockhausen, John A. III, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $243,153 affecting property located at 47 Addison Road, Fishkill 12524. Filed April 28.

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

Brown, David, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $131,848 affecting property located at 25 Innis Ave., Poughkeepsie 12601. Filed April 9.

Alvarez, Donald R., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $228,000 affecting property located at 20 Lawton Road, Wappingers Falls 12590. Filed April 17.

Bruce, Richard, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $332,500 affecting property located at 109 Gristmill Lane, Stanfordville 12581. Filed April 27.

LIS PENDENS

MAY 11, 2015

WCBJ | HV Biz

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 April 29. Burrell, Karim, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $297,600 affecting property located at 56 Edgehill Drive, Wappingers Falls 12590. Filed April 15. Caamano, Silbestre, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $364,500 affecting property located at 201 Terrace Ridge, Fishkill 12524. Filed April 17. Cabrera, Jose, et al. Filed by Freedom Mortgage Corp. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 6401 Chelsea Cove North, Hopewell Junction 12533. Filed April 9. Cascioli, Matthew, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $95,000 affecting property located at 76 Carmine Drive, Unit D-13, Wappingers Falls 12590. Filed April 14. Chain, David R., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 235 Upper North Road, Highland Falls 12528. Filed April 29.

Coupe, Amy, 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 15 Windy Hill Road, Holmes 12531. Filed April 24. Cowen, Matthew K., et al. Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $185,200 affecting property located at 29 Van Buren St., Kingston 12401. Filed April 30. Craparo, Jonathan, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $332,000 affecting property located at 5 Elm St., Wappingers Falls 12590. Filed April 13. Curtin, Michael T., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $165,400 affecting property located at 56 S. Mesier Ave., Wappingers Falls 12590. Filed April 22. Dancyger, Scott R., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $417,000 affecting property located at 84 Ridgemont Drive, Hopewell Junction 12533. Filed April 22. Degiorgio, Nicole, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $224,000 affecting property located at 46 Malloy Road, Wallkill 12589. Filed April 27.

Charley, Alec C., et al. Filed by The Bank of New York. Action: seeks to foreclose on a mortgage to secure $133,000 affecting property located at 2 Lawton Road, Wappingers Falls 12590. Filed April 15.

DeJesus, Frank, et al. Filed by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $192,600 affecting property located at 31 Kallop Road, Rosendale. Filed April 28.

Chase, Thomas C., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $75,000 affecting property located at 16 Overlook Drive, Woodstock 12498. Filed April 27.

DiFusco, Steven, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $590,000 affecting property located at 171 Sandy Pines Blvd., Hopewell Junction 12533. Filed April 10.

Cipriani, Lindsey, as heir at law and next of kin to Jessica M. Luca, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 42 Martin Drive, Poughkeepsie 12603. Filed April 13.

Donovan, Thomas J., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $135,000 affecting property located at 3032 Talmadge St., Poughkeepsie 12601. Filed April 9. Dunn, Gary, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $346,400 affecting property located at 17 Seaman Road, Poughkeepsie 12601. Filed April 28.

Elhor, Meryem, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $235,200 affecting property located at 4 Empire Blvd., Poughkeepsie 12603. Filed April 16. Elliott-Forrester, Audrey, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $244,000 affecting property located at 615 Van Wagner Road, Poughkeepsie12603. Filed April 10. Ernst, Craig, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 40 Purdy Ave., Marlboro 12542. Filed April 29. Firpi, Quironestor, et al. Filed by Fifth Third Mortgage Co. Action: seeks to foreclose on a mortgage to secure $151,210 affecting property located at 72 Lavoletta St., Wallkill 12589. Filed April 27. Freer, Steven W., et al. Filed by Household Finance Realty Corporation of New York. Action: seeks to foreclose on a mortgage to secure $220,493 affecting property located at 67 Vangaasbeck St., Kingston 12401. Filed April 27. Friscia, Eva J., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $275,000 affecting property located at 6 Willow Drive, Hopewell Junction 12533. Filed April 13. Gabris, Stephen, et al. Filed by Mid-Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $122,250 affecting property located at 21 Patti Place, Hopewell Junction 12533. Filed April 13. Gojki LLC, et al. Filed by Intervest National Bank. Action: seeks to foreclose on a mortgage to secure $650,000 affecting property located at 170 Clove Branch Road, East Fishkill. Filed April 15. Gonzalez, Yolanda, et al. Filed by Navy Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $232,697 affecting property located at 68 Tick Tock Way, Stanfordville 12581. Filed April 21.

Goudie, John M. IV, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $404,000 affecting property located at 276 All Angels Hill Road, Wappingers Falls 12590. Filed April 17. Grossi, Giordana, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $117,600 affecting property located at 12 Hudson St., Kingston 12401. Filed April 30. Gulnick, Burton Jr., as administrator of the estate of Castor Alvarez, et al. Filed by Santander Bank N.A. Action: seeks to foreclose on a mortgage to secure $104,000 affecting property located at 896 Samsonville Road, Kerhonkson 12446. Filed May 1. Heiney, Marlene, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $334,875 affecting property located at 63 South St., Marlboro 12542. Filed May 1. Hinson, Delores, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $204,000 affecting property located at 19 Dennings Ave., Beacon 12508. Filed April 16. Hoskins, Larry M., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 606 Old Post Road, Esopus 12429. Filed April 27. Jean-Baptiste, Franck Wilson, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $207,000 affecting property located at 265 Church St., Poughkeepsie 12601. Filed April 22. Jones, Deronn, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 345 Verplanck Ave., Beacon 12508. Filed April 24. Jose, Mari Ellen M., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $184,000 affecting property located at 32 Tamarack Hill Drive, Poughkeepsie 12603. Filed April 24. Kasbarian, Louis, et al. Filed by Keybank N.A. Action: seeks to foreclose on a mortgage to secure $30,000 affecting property located at 2110 Cherry Hill Drive, Poughkeepsie 12603. Filed April 13.

FACTS & FIGURES King, George, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 93 Mountainview Place, Holmes 12531. Filed April 14. Lallemand, Cynthia, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $324,716 affecting property located at 8 Continental Drive, Fishkill 12524. Filed April 14.

McGahan, Brendon W., et al. Filed by Mid-Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $256,985 affecting property located at 218 S. Grand Ave., Poughkeepsie 12603. Filed April 28. Mead, Timothy, 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 31 S. Perry St., Poughkeepsie 12601. Filed April 28.

Lauricella, Edward, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $282,400 affecting property located at 169 Bower Road, Poughkeepsie 12603. Filed April 23.

Meddaugh, George E. Jr., et al. Filed by Sovereign Bank. Action: seeks to foreclose on a mortgage to secure $175,000 affecting property located in Dutchess County. Filed April 28.

Lawrence, David Walter, et al. Filed by Christiana Trust. Action: seeks to foreclose on a mortgage to secure $199,200 affecting property located at 86 S. Hamilton St., Poughkeepsie 12601. Filed April 20.

Merritt, Alvin E., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $255,000 affecting property located at 21 Bennett Road, Poughkeepsie 12601. Filed April 15.

Madry, John, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $102,500 affecting property located at 2740 South Road, J4, Poughkeepsie 12601. Filed April 15.

Meurer, Peter H., et al. Filed by Christiana Trust. Action: seeks to foreclose on a mortgage to secure $171,230 affecting property located at 40 Browning Terrace, Kingston 12401. Filed May 1.

Mateus, Manuel P., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $375,000 affecting property located at 44 Van Wyck Lane, Wappingers Falls 12590. Filed April 13. McCarthy, Joseph, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $225,000 affecting property located at 57 All Angels Hill Road, Wappingers Falls 12590. Filed April 10. McCord, V. Bruce, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $162,400 affecting property located at 2928 New Prospect Road, Pine Bush 12566. Filed April 28. Mcentyre, Jean, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $55,000 affecting property located at 6281 Route 82, Stanfordville 12581. Filed April 27.

Meyer, Fabien M., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $211,555 affecting property located at 4133 Highway 209, Stone Ridge 12484. Filed April 30. Minyanou, Messan, 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 15 Kinsale Court, Wappingers Falls 12590. Filed April 27. Misch, Anjenette, et al. Filed by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $197,900 affecting property located at 1034 Dutchess Turnpike, Poughkeepsie 12603. Filed April 24. Moran, Lucille N., et al. Filed by The Bank of New York Mellon Trust Company N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 49 Rymph Road, LaGrangeville 12540. Filed April 21.

Mortoo, Enyonam, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 14 Waldorf Place, Poughkeepsie 12601. Filed April 28.

Polizzi, Anthony L., et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $344,000 affecting property located at 155 Lauren Tice Road, Saugerties 12477. Filed May 1.

Santeramo, Paula, et al. Filed by Eastern Savings Bank FSB. Action: seeks to foreclose on a mortgage to secure $115,000 affecting property located at 71 Paggi Terrace, Wappingers Falls. Filed April 14.

Sweat, Cassandra, et al. Filed by JPMC Specialty Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $328,162 affecting property located at 52 Beacon St., Beacon 12508. Filed April 28.

Murphy, Vanessa, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $191,600 affecting property located at 31 Roundtree Court, Beacon 12508. Filed April 17.

Porter, Jacqueline A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $210,000 affecting property located at 1019 Violet Ave., Hyde Park 12538. Filed April 15.

Sattin, Lisa M., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $180,000 affecting property located at 35 Florence Ave., Fishkill 12524. Filed April 24.

Tanis, Bianca, et al. Filed by American Financial Resources Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 12 Jansen Road, New Paltz 12561. Filed April 29.

Oâ€™Connor, Pamela J., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 11 Arrowhead Road, Hopewell Junction 12533. Filed April 8. Owen, Nancy L., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $210,442 affecting property located at 37 Davis Ave., Poughkeepsie 12603. Filed April 15. Palega, Thomas, et al. Filed by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $125,100 affecting property located at 61 Church St., Ellenville 12428. Filed April 30. Paroli, Betty J., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $450,000 affecting property located at 10 Cream St., Poughkeepsie 12601. Filed April 13. Patton, Lawrence T., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $296,100 affecting property located at 25 Macintosh Lane, Wappingers Falls 12590. Filed April 21. Pelish, Adam T., 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 29 S. Perry St., Poughkeepsie 12601. Filed April 8. Perry, Celia E., et al. Filed by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $50,000 affecting property located at 160 Highland Ave., Kingston. Filed April 30. Peter, Bruce, et al. Filed by First Niagara Bank N.A. Action: seeks to foreclose on a mortgage to secure $471,200 affecting property located at 3 Jude Drive, LaGrangeville 12540. Filed April 20.

Prime Recreation Center LLC, et al. Filed by Ulster Savings Bank. Action: seeks to foreclose on a mortgage to secure $600,000 affecting property located at 950 Violet Ave., Hyde Park 12538. Filed April 13. R and D Hotel LLC, et al. Filed by UPS Capital Business Credit. Action: seeks to foreclose on a mortgage to secure $4 million affecting property located at 26112629 South Road, Poughkeepsie. Filed April 14. Rajabipour, Tricia, et al. Filed by American Financial Resources Inc. Action: seeks to foreclose on a mortgage to secure $273,760 affecting property located at 40 Penny Lane, New Paltz 12561. Filed April 30.

Sceppaquercia, Lewis, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $240,000 affecting property located at 175 Seaman Road, Stormville 12582. Filed April 14. Schirripa, Thomas, et al. Filed by Ulster Savings Bank. Action: seeks to foreclose on a mortgage to secure $220,000 affecting property located in Poughkeepsie. Filed April 24. Scott, Daniel, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $172,000 affecting property located at 67 Honeywell Lane, Hyde Park 12538. Filed April 16.

Reid, Daniel, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $232,000 affecting property located at 213 Springtown Road, New Paltz 12561. Filed April 28.

Seelbach, Heidi, public administrator of the estate of Robert F. Bush, et al. Filed by Reverse Mortgage Solutions Inc. Action: seeks to foreclose on a mortgage to secure $330,000 affecting property located at 835 Freedom Plains Road, Poughkeepsie 12603. Filed April 28.

Reinartz, Kenneth, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $284,200 affecting property located at 15 Sycamore Blvd., Wingdale 12594. Filed April 16.

Showah, Henry J., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $192,000 affecting property located at 23 Lake Drive, Holmes 12531. Filed April 17.

Rosado, Mery H., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $90,000 affecting property located at 1812 Route 28, Hurley 12498. Filed April 28.

Smith, David M. Sr., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $211,624 affecting property located at 57 Liberty St., Beacon 12508. Filed April 17.

Russel, Nat Jr., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $155,000 affecting property located at 65 Private Road, Olivebridge 12461. Filed April 27.

Steinke, Bonnie L., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $210,000 affecting property located at 6601 Chelsea Cove North, Hopewell Junction 12533. Filed April 23.

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The estate of Frank G. Diorio, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $345,000 affecting property located at 270 Perkinsville Road, Highland 12528. Filed April 28. Thompson, Erik D., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $149,221 affecting property located at 15 Maple St., Beacon 12508. Filed April 15. Torres, Luis Daniel, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $245,000 affecting property located at 40 W. Center St., Beacon 12508. Filed April 13. Tubby, Eva Marie, individually and on behalf of the estate of Margaret E. Tubby, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $195,000 affecting property located at 63 Gage St., Kingston 12401. Filed April 28. Urbanski, Peter C., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $240,562 affecting property located at 5 Bruce Drive, Poughkeepsie 12603. Filed April 15. Valdivia, Manuel III, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 157 Widmer Road, Wappinger Falls 12590. Filed April 20. Wallingford, Matthew L., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $472,500 affecting property located at 2323 Route 9D, Hughsonville 12537. Filed April 28.

MAY 11, 2015

FACTS & FIGURES Weiss, Albert L., 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 6 Church St., Ruby 12475. Filed April 30.

River Management, Development and Realty Inc., d.b.a. Associa New York, 117 Executive Drive, New Windsor 12553. Filed July 29. Staﬀ-Line Inc., d.b.a. Ethan Allen HR Services, 53 Academy St., Poughkeepsie 12601. Filed July 29.

Wood, Gloria D., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 30 Parker Ave., Poughkeepsie 12601. Filed April 24.

Staﬀ-Line Inc., d.b.a. Ethan Allen RPO, 53 Academy St., Poughkeepsie 12601. Filed July 29.

Partnerships

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

Cardinal Errands, 7C Rosilia Lane, Fishkill 12524, c/o Shane Tierney Hester and Matthew Helpern. Filed July 31.

Doing Business As

Empire Athletics, 79 Lucas Ave., Kingston 12401, c/o Leila S. Pasley, Carissa N. Henson and Laura E. Scharschu. Filed April 29.

G and B P Optical Corp., d.b.a. Pearle Vision Center, 2001 South Road, Suite D110. Poughkeepsie 12601. Filed July 29.

Karma Sutra Matchmakers, 14 N. Wilbur Ave., Kingston 12401, c/o Savanna A. Lawrence and Robin L. Cook. Filed April 28.

GigglesWorld Corp., d.b.a. Happy Habits Smoke Shop, 10 Stage Door Road, Fishkill 12524. Filed July 29. Hang Loose Inc., d.b.a. The Gravity Vault, 7 Forrest Way, Poughkeepsie 12603. Filed July 29.

Married to the Mop Home and Estate Services, 2 Reservoir Road, Marlboro, c/o Brittaney Hegedus and Mark Crisci. Filed April 28.

Sole Proprietorships Ashokan Wealth Management, 291 Wall St., Second floor, Kingston 12401, c/o Clifford Faintych. Filed May 1. At Your Doorstep, 1000 Commons Way, Fishkill 12524, c/o Gerard Sexton. Filed July 30. Barbara Beauty Photography, 1145 Hollow Road, Clinton Corners 12514, c/o Barbara Beatty. Filed Aug. 1. Biskits Grooming, 48A Elm St., Fishkill 12508, c/o Michael Agunzo. Filed July 28. BRWM Associates, 25 Clark Heights, Pleasant Valley 12569, c/o William R. Steinhaus. Filed Aug. 1. Can Creations, 1497 Centre Road, Rhinebeck 12572, c/o Cheryl A. Norton. Filed July 30. Capsule Collection Boutique, 228 Main St., Saugerties 12477, c/o Tiffany Anne McDermott. Filed April 29. Cesar Lopez Landscaping and Masonry, 10 Arch St., Apt. 2, Pawling 12564, c/o Cesar Arturo Lopez Cruz. Filed July 29.

Conn’s Mowing and Plowing, 1018 Salt Point Turnpike, Pleasant Valley 12569, c/o Timothy Conn. Filed July 29.

Gerald Rhoades Landscaping, 2003 Route 32, Saugerties 12477, c/o Gerald S. Rhoades. Filed April 28.

CPB Lawn and Land, 288 Pinehill Road, Pleasant Valley 12569, c/o Raymond Beesmer. Filed Aug. 1.

Grey Mouse Farm Foods, 22 Grey Mouse Road, Saugerties 12477, c/o Kathy R. Kreda. Filed April 30.

DBMS Yoga, 186 Rutsonville Road, Wallkill 12589, c/o Dorothy Anne Weiss. Filed April 28.

Habilis Stoneworks, P.O. Box 790, Saugerties 12477, c/o Sean M. Kelly. Filed April 27.

Doreen Rondinelli, 45 Main St., P.O Box 222, Bloomington 12411, c/o Doreen Martelly. Filed May 1.

Higher Standards, 1 Fenway Drive, Poughkeepsie 12601, c/o Danielle Hibbs. Filed July 29.

Dutchess Wine Academy, 2 Flanders Road, Wappingers Falls 12590, c/o Glenn A. Solotaroff. Filed July 28.

Hudson Valley Lawn and Maintenance, P.O. Box 491, Hurley 12443, c/o Shawn M. Bascone. Filed May 1.

Eco Cleaning, 1433 Route 82, Apt. D, Hopewell Junction 12533, c/o Rudy Ramon Ramirez. Filed July 29.

James Eberlein Home Improvements, 24 Delta Place, Kingston 12401, c/o James E. Eberlein. Filed April 27.

Elite Contracting, 7 Jay Road, Poughkeepsie 12603, c/o Ryan Figa. Filed July 30.

JTS Landscape, 62 North Road, Milan 12571, c/o Todd VanBusker II. Filed July 31.

Ganter Design, 3731 Atwood Road, Stone Ridge 12484, c/o Ann S. Ganter. Filed April 27.

L and J Gift Store, 2651 E. Main St., Wappingers Falls 12590, c/o Luis A. Quezada. Filed July 31.

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MAY 11, 2015

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Little Sprouts Therapy, 127 Cooper Drive, Verbank 12585, c/o Mercedes F. Burke. Filed July 28.

Maxrayzor, 5 N. Clover St., Poughkeepsie 12601, c/o Jocelyn Isaac. Filed July 29. Michael Banzhaf Studio, 438 Acorn Hill Road, Olivebridge 12461, c/o Joseph Michael Banzhaf. Filed April 30. Momatiuk Eastcott, 151 Eagles Nest Road, Hurley 12443, c/o John D. Eastcott. Filed April 29. My Little Metapan, 8 VanBuren St., Kingston, c/o Lilian M. Mazariego. Filed April 27. NY Snacks, 22 Grey Mouse Road, Saugerties 12477, c/o Kathy R. Kreda. Filed April 30. Papa’s Best Batch, 223 Picher Lane, Red Hook 12571, c/o Joseph A. Apap. Filed July 29. Party Patrol, 44 Blue Point Road, Highland 12528, c/o Andrew R. Edwards. Filed April 27. Pins and Magnets, 32 Red Top Road, Wallkill 12589, c/o David J. MacEntee. Filed April 29. Sunfall, 495 Main St., Saugerties 12477, c/o Henry S. Farish IV. Filed April 27.

LEGAL NOTICES 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:

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 10546. 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 of Formation of Capital Cookhouse, LLC. Filed with SSNY on 3/18/14. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 7014 13th Ave, suite 202 Brooklyn,NY 11228. Purpose: any lawful purpose. #59920

by STORM LLC, a domestic LLC, filed with the SSNY on 1/21/15. 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, 57 Tisdale Rd., Scarsdale, NY 10583. General purpose. #59921 DIAMOND SOLAR VI, 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 The LLC, 333 N. Bedford Rd., Ste. 145, Mt. Kisco, NY 10549. General purpose. #59922 Gilstar Holdings LLC, Art. of Org. filed with NY Secy. of State on 02/21/2013. Office located in Westchester Co. Secy. of State designated as agent upon which process may be served. Secy. of State shall mail a copy of any process against it served upon him/her to: c/o United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. LLC may engage in any lawful act or activity for which a limited liability company may be formed. #59923

Notice of Formation of 184 EAST 64TH STREET ASSOCIATES LLC. Arts. of Org. filed with SSNY on 4/7/15. 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 Street #204, White Plains, NY 10601. Purpose: all lawful activities. #59929 Notice of Formation of CASIMIR OPERATIONS LLC. Arts. of Org. filed with SSNY on 4/1/15. 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, 10 St. Casimir Ave., Yonkers, NY 10701. Purpose: all lawful activities. #59930 Notice of formation of PLLC: RN Private Nursing Care, PLLC filed with SSNY on 3/2/15 Offc. Loc: Westchester County SSNY designated as agent of PLLC upon whom process against it may be served. SSNY shall mail process to c/o United States Corp Agents Inc. 7014 13th Ave Suite 202 Brooklyn, NY 11228, Purpose: any lawful purpose, nursing. #59931

Notice of formation of SAHD, LLC. Art. Of Org. filed with the Sectíy of State of NY (SSNY) on 04/10/15. 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, 2 Winged Foot Dr Larchmont, NY 10538. Purpose: Any lawful purpose #59924

Notice of formation of DesignLab29 LLC Art. Of Org. filed with the Sectíy of State of NY (SSNY) on 3/17/2015. 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: 333 Mamaroneck Avenue, Unit 214, White Plains, NY 10605. Purpose: any lawful purpose. #59932

Notice of Formation of 175177 EAST 64TH STREET ASSOCIATES LLC. Arts. of Org. filed with SSNY on 4/7/15. 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 Street #204, White Plains, NY 10601. Purpose: all lawful activities. #59925

#realness by AlyMarie, LLC Art. of Org filed with Secretary of State of New York (SSNY) on 04/13/2015. Office location: Westchester County. SSNY has been desig as agent upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, 68 Loring Ave., Yonkers, NY 10704. Purpose: any lawful business activity. #59933

Notice of Formation of 175-177 EAST 64TH STREET HOLDING LLC. Arts. of Org. filed with SSNY on 4/7/15. 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 Street #204, White Plains, NY 10601. Purpose: all lawful activities. #59926

STEVE TIRSCH DISTRIBUTORS LLC, a domestic LLC, filed with the SSNY on 2/25/15. 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, 153 Madison Rd., Scarsdale, NY 10583. General purpose. #59934

Notice of Formation of BLUESTONE 175-177 LLC. Arts. of Org. filed with SSNY on 4/7/15. 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 Street #204, White Plains, NY 10601. Purpose: all lawful activities. #59927

LEAD THE LEASH LLC, a domestic LLC, filed with the SSNY on 2/13/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Jamie Ianello, 1510 Henry Ave., Mamaroneck, NY 10543. General purpose. #59935

Notice of Formation of 184 EAST 64TH STREET HOLDING LLC. Arts. of Org. filed with SSNY on 4/7/15. 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 Street #204, White Plains, NY 10601. Purpose: all lawful activities. #59928

1201 Pleasantville Road Restaurant Holding Group, LLC, a domestic LLC, filed with the SSNY on 2/25/15. 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, 15 Limestone Rd., Armonk, NY 10504. General purpose. #59936

PBI VENTURES LLC, a domestic LLC, by way of conversion from a general partnership f/k/a PB Investments filed with the SSNY on 1/28/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Cary Potkin, 13 Rolling Hills Ln., Harrison, NY 10528. General Purposes. #59937 Alexander Technique Bronxville, LLC, a domestic LLC, filed with the SSNY on 3/23/15. 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, 25 Deshon Ave., Bronxville, NY 10708. General purpose. #59938 Notice of Formation CCNA Realty LLC Arts. of Org. filed with SSNY 4/14/15. Off. Loc.: Westchester Cnty. SSNY designated as agent of LLC whom process may be served. SSNY shall mail process to: c/o the LLC, 165 Wyndcliff Road, Scarsdale, NY 10583. Purpose: all lawful activities #59939 Notice of Formation of Direct Care Carrier, LLC (ìLLCî) Art. Of Org filled with NY Secretary of State (ìSSNYî) on July 6, 2013 pursuant to Limited Liability Company law. Office Location: Westchester Country. SSNY is designated as agent upon whom process against the LLC shall be served. SSNY shall mail a copy of any process against the LLC served upon him/her to Sasha Guillaume, 134 Poningo St., Port Chester, NY 10573. Purpose: Any Lawful Activity. #59940 Notice of Formation of Artisanal Caves LLC. Art. of Org. filed with SSNY on 4/20/15. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 42 Forest Lane, Bronxville,NY 10708. Purpose: Any lawful purpose. #59941 The Westchester Center For Jazz and Contemporary Music LLC, a domestic LLC, filed with the SSNY on 1/21/15. 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, 12 The Farms Rd., Bedford, NY 10506. General purpose. #59942 Name of Limited Liability Company (LLC): ARTISTIC LIBATIONS LLC. Date of filing Articles of Organization with the Secretary of State (SSNY): 09/24/2014. The LLC is located in Westchester County. The 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, 837-D Midland Ave, Yonkers, New York, 10704, the principal business location of the LLC. Purpose: any lawful business activity. #59943 Nelson Forensics, LLC, Filed with NY Secy. of State on 04/16/2015. Office located in Westchester Co. Secy. of State designated as agent upon which process may be served. Secy. of State shall mail a copy of any process against it served upon him/her to: 411 Theodore Fremd Ave., Suite 206 South, Rye, New York 10580 (the LLCís primary business location). LLC may engage in any lawful act or activity for which a limited liability company may be formed. #59944

Notice of Formation of BLUESTONE 184 LLC. Arts. of Org. filed with SSNY on 4/7/15. 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. #59945 Notice is hereby given that an on premises liquor license, #TBA has been applied for by Steve & Teddy Diner Corp. d/b/a New Rochelle Diner to sell beer, wine, and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 850 Main Street New Rochelle, NY 10801. #59946 Notice is hereby given that an on premises liquor license, #TBA has been applied for by Chickens Gone Wild Bar & Grill LLC to sell beer, wine, and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 468A Ashford Avenue Ardsley, NY 10502. #59947 Notice of Formation of FINATIS MERCHANT SOLUTIONS, LLC .Art. Of Org. filed with SSNY on 2/27/15. Office Located Westchester CO. UNITED STATES CORPORATION AGENTS, INC designated as agent of the LLC upon whom process against it may be served. UNITED STATES CORPORATION AGENTS, INC shall mail process to the LLC, 7014 13TH AVENUE, SUITE 202 BROOKLYN, NEW YORK, 11228 Purpose: any lawful purpose. #59948 Notice of Formation of Matthews International Enterprises, LLC. filed with SSNY on 4/27/2015. 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, 12 Greyrock Rd N. Port Chester, NY 10573. Purpose: any lawful purpose. #59949 THE ANNUAL RETURN OF THE MEYER HANDELMAN FUND for the calendar year ended December 31, 2014 is available at its principal office located at 800 Westchester Avenue, Suite S-618, Rye Brook, NY 10573-1373 for inspection during regular business hours by any citizen who requests it within 180 days hereof. Principal Manager of the Foundation is WILLIAM R. HANDELMAN. #59950 Notice of Formation of HHE Equity LLC, LLC Art. Of Org. filed with SSNY on 4/16/15. 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, 2 Peter Jay Ln., Rye, NY 10580. Purpose: any lawful purpose. #59951 S&G PENSION MANAGEMENT, LLC, a domestic LLC, filed with the SSNY on 4/24/15. 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, 723 N. Broadway, White Plains, NY 10603. General purpose. #59952

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Notice is hereby given that an on-premise license, #TBA has been applied for by JLV Tarrytown, LLC d/b/a The Oath to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 5 Main Street Tarrytown, NY 10591 #59953 THE ANNUAL RETURN OF THE ARTHUR J. GAVRIN FOUNDATION, INC. for the year ended December 31, 2014 is available at its office at 1865 Palmer Avenue, Suite 108, Larchmont, NY for inspection during regular business hours by any citizen who requests it within 180 days hereof. Principal Manager of the Foundation is DAVID M. GAVRIN. #59954 LIMITED LIABILITY COMPANY Redcar Learning, LLC, a domestic LLC, Arts. of Org. filed with the SSNY on 2/26/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to the LLC: 154 East Boston Post Road, Mamaroneck, New York 10543. General Purposes. #59955 Notice of formation of McAndrew Horse Ventures, LLC Art. Of Org. filed with SSNY on 3/04/15. Offc. Loc.: Westchester County. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to United States Corp. Agents, Inc., 7014 13th Ave., Ste. 202, Brooklyn NY 11228. Purpose: Any lawful purpose. #59956 WINTER DESIGNS LLC, a domestic LLC, filed with the SSNY on 5/1/15. 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 Cathy Midgen, P.O. Box 244, Waccabuc, NY 10597. General Purpose. #59957 Notice of Formation of HHE Wolverine LLC Art. Of Org. filed with SSNY on 4/27/15. 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, 35 Chestnut Avenue, Larchmont NY 10538 Purpose: any lawful purpose. #59958 THE ANNUAL RETURN OF THE LOOKOUT FUND, INC. for the calendar year ended December 31, 2014 is available at its principal office located at 800 Westchester Avenue, Suite S-618, Rye Brook, NY 10573-1373 for inspection during regular business hours by any citizen who requests it within 180 days hereof. Principal Manager of the Foundation is WILLIAM R. HANDELMAN. #59959 Notice of Formation of Moralex, LLC. Art. Of Org. filed with New York Secy of State (SSNY) on 1/14/2015. Office located in Westchester County. SSNY designated as agent upon whom process may be served. SSNY shall mail a copy of any process against it served upon him/her to 125 S. Broadway, White Plains, NY 10605. Purpose: any lawful activity #59960

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FACES & PLACES RAISING GLASSES (AND FUNDS) Dominican Sisters Family Health Service, Inc. recently held its seventh annual “Wines Around the World” fundraiser at Sleepy Hollow Country Club in Briarcliff Manor. With 130 people in attendance, the event featured wine tastings by Pernod Ricard USA and a gourmet buffet. “Wines Around the World” is one of five fundraisers the Ossining-based nonprofit certified home health agency holds each year to benefit its services to the community.

Photos by John Vecchiolla

1. Kathleen M. Gregory, vice president of business banking and senior relationship manager at KeyBank; Judith and Michael Sullivan, longtime DSFHS supporters; and Mary J. Zagajeski, CEO of DSFHS. 2. Jeff, Joanna, Ann and Dr. William T. Smith, DSFHS board chair. 3. Frank Callanan of Compufit; Matt Murphy of Murphy Bova LLP; Daniel A. Lansen of Compufit and a DSFHS board member; and Joe Armentano of Paraco Gas. 4. Back row, Daniel A. Lansen, Joseph T. DeAngelis, Jr., Raymond E. Sacher, James P. Drew, Dr. William T. Smith, Thomas K. Bourke, Ronald M. Krawczyk and Darius P. Chafizadeh, and seated, Mary J. Zagajeski and M. Eileen Randolph.

IONA HONORS LEADERS The Board of Trustees of Iona College held its 2015 Iona College Scholarship Award Gala & Diamond Jubilee Celebration April 10 at the Waldorf Astoria in Manhattan. The evening, designed to honor leaders who exemplify Iona’s mission of service, scholarship and value-based learning, raised more than $1.2 million dollars to benefit student scholarships at the college. Nearly 700 people were on hand for the event, including scores of students and scholarship recipients, as His Eminence, Timothy Cardinal Dolan and James P. Hynes were recognized for their service to the Catholic faith and Iona College. Cardinal Dolan was presented with the Blessed Edmund Rice Humanitarian Award, and Hynes received Iona College’s Legacy Award. The gala also paid special tribute to the college’s 75th anniversary. Photos by John Vecchiolla and Stefan Radtke 1. His Eminence, Timothy Cardinal Dolan, James P. Hynes and Iona College President Joseph E. Nyre. 2. Westchester County Executive Robert P. Astorino. 3. Evelyn and David J. McCabe. 4. Iona College Pipe Band. Photo identifications are from the left.

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MAY 11, 2015

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