Westchester County Business Journal 112116

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Region’s business leaders weigh in on Trump presidency – and wait

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

W

ith President-elect Donald Trump set to take office as the 45th president of the U.S. in January, business leaders in Westchester and the Hudson Valley are still waiting to hear more about what to expect from his administration.

The Business Journal interviewed several businesses and industry groups to gauge the intitial reactions to Trump’s incoming administration on several key issues.

Health care With Trump in office and a Republicancontrolled Congress that has already voted to repeal the Affordable Care Act dozens of times, at least some changes are likely in store for President Barack Obama’s signature health care law. Trump pointed to insurance premiums on midlevel plans rising by an average of 25 percent as reason enough to repeal the law. While he has released a plan for its replacement that involves health savings accounts, selling health insurance across state lines and allowing individuals to deduct health expenses, experts in the health care field are still waiting to hear

more on what to expect.

Uncertainty in the health care industry is hardly new, according to Kevin Dahill, president and CEO of the Northern Metropolitan Hospital Association. NorMet represents 14 hospitals in Westchester and 29 in all across the Hudson Valley.

“Health care policy in this country does shift with political winds and it has for years, and that’s what can make it a difficult industry to operate in,” Dahill said.

Dahill said he has noticed some moderation of Trump’s campaign views since he was elected, including an interview where he said he will consider leaving provisions of the Affordable Care Act that prohibit insurers from denying coverage to a patient because of pre-existing conditions, along with a provision that allows parents to keep their children on their plans until they are 26.

“It looks like now there will be a little bit more of a moderate approach,” he said. “I for one don’t think they will take insurance from 20 million people on the federal level, and in New York State it’s 2.8 million. I don’t see a scenario where they revoke that coverage.”

But Dahill said he could see a scenario where incentives for purchasing insur» » TRUMP, page 2

Ulster Savings Bank accused of racial discrimination in mortgage lending

BY BILL HELTZEL Westchester Children’s Museum Executive Director Tracy Kay stands with a museum exhibit that allows visitors to create their own roller coaster. Photo by Aleesia Forni.

bheltzel@westfairinc.com

A NEW YORK CITY CIVIL rights group claims that Ulster Savings Bank discriminates against African-Americans shopping for home mortgages.

The Fair Housing Justice Center in Long Island City on Nov. 4 sued the bank in U.S. District Court in White Plains under the Federal Fair Housing Act and the Civil Rights Act of 1866.

The noprofit housing group con-

ducted a two-year investigation in which pairs of white and black testers posed as first-time homebuyers seeking loans.

The black testers presented stronger financial credentials. Yet black testers were told they qualified for smaller loans than their white counterparts, according to the lawsuit. They also were presented with higher fees and were discouraged from looking for houses in predominantly white towns. » » BANK, page 6

Trump — » » From page 1

ance or federal subsidies for insurance are changed.

“The fundamental issue they have to confront, what didn’t work in the ACA, is that the risk pool wasn’t expanded sufficiently,” Dahill said. “So a lot of young people, otherwise healthy people, just ignored the penalty to get them to sign up (for insurance), so we’re seeing all these premium increases because the people who did sign up were people with medical issues.”

The higher costs of insuring sick people, without healthier clients to make up the loss, created the premium increases we are seeing now, Dahill said, adding that any changes to health care will need to address incentives for healthy people to get coverage.

Dahill said he will be paying attention to appointments at the Centers for Medicare and Medicaid Services and Health and Human Services. “When those appointments are made, we’ll be in a better position to make our voices heard and to better know what direction things might be going in,” he said.

Immigration The harshest rhetoric of Trump’s campaign focused on immigration. He announced his candidacy by saying Mexico was sending drugs, guns and rapists over the border and made a campaign slogan out of a plan to build a wall along the border with Mexico. In his first post-election interview with “60 Minutes,” he pledged to deport 3 million undocumented immigrants he says have committed crimes, down from the number of 11 million undocumented he discussed deporting in his campaign. Either way, a crackdown on illegal immigration is likely to have economic impacts in Westchester as well as the rest of the country.

“Immigrants are very engaged in the workforce,” said Graciela Heymann, executive director of the Westchester Hispanic Coalition. “There are some industries in Westchester that, like the rest of the country, depend on immigrant and undocumented immigrants, so from construction to restaurants to car washes to nannies to landscapers, it’s the real backbone.”

A study released this month by state Comptroller Thomas P. DiNapoli found that immigrants represent 22 percent of the state’s population and have a high rate of employment, especially in the Hudson Valley, which has the highest labor force participation rate among its immigrant population at 70 percent. The Pew Research Center found that undocumented immigrants make up about 5 percent of the civilian labor force, focused especially in the agriculture, hospitality and construction industries.

New York has about 850,000 undocu-

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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

Publisher Dee DelBello Associate Publisher Anne Jordan Managing Editor John Golden Senior Editor/Digital & Photo Bob Rozycki Creative Director Dan Viteri

Donald Trump in his Manhattan office. File photo by Bob Rozycki.

mented immigrants, according to numbers kept by the Migration Policy Institute. The number in Westchester is about 60,000.

Heymann said the Westchester Hispanic Coalition has seen a record demand for its immigrant legal services during the election, including a wait list of 200 people for naturalization services.

She said she hopes Trump, once in office, will rethink what he has said on immigration and put together a task force to fully measure the impact of both legal and undocumented immigrants before pursuing any action.

“It’s very easy to have a knee-jerk reaction to these things,” Heymann said. “It’s much harder to really try and understand the complexity and all the different facets it will impact.”

Construction When his opponent Hillary Clinton put forward a plan to invest $275 billion in U.S. infrastructure, Trump responded by pledging to spend at least twice as much. The potential investment in roads, bridges and other projects would be welcome in the region’s construction industry, according to F. Matthew Pepe, director of government relations for the Construction Industry Council and Building Contractors Association, a Tarrytown-based group that represents more than 600 construction businesses in the region.

“Although there is a lot of guesswork to what a Trump presidency may bring, one thing we know is Mr. Trump likes to build,” Pepe said. “He has continuously stated that our infrastructure will be ‘second to none’ as far as roads, bridges, schools, hospitals, etc.”

While Pepe said this would be welcome investment, employing more workers and potentially boosting local economies, he said he hopes any infrastructure spending

be part of a long-term plan so as to ensure stability regardless of changes in the political landscape.

Pepe added that he’d like to see more discussion on spending for clean water infrastructure.

“When Mr. Trump talks about infrastructure, I do not hear about clean water and clean drinking water infrastructure,” Pepe said. “It goes without saying that wastewater and other water needs are vital to any local economy.”

He cited a recent study that found New York state would need to spend $30 billion over the next 20 years to improve its wastewater systems and another $30 billion on other clean drinking water projects statewide. “I hope these needs will be addressed in Mr. Trump’s home state,” Pepe said.

Manufacturing Trump’s campaign ran on a platform of criticizing the country’s current trade deals, particularly the proposed TransPacific Partnership and the North American Free Trade Agreement. Trump said the deals cost American workers jobs and he would renegotiate the terms of current agreements with “tough and smart trade negotiators to fight on behalf of American workers.”

The message appeared to resonate in Rust Belt states. Trump won the traditionally Democratic states of Michigan, Wisconsin and Pennsylvania.

But the effect of trade on New York manufacturing is a little more tricky to gauge, according to Harold King. King is executive vice president of The Council of Industry in Newburgh, which represents manufacturers in the Hudson Valley. He wrote a column on the impact of globalization in the Hudson Valley for the Council of Industry’s » » TRUMP, page 14

NEWS Reporters • Ryan Deffenbaugh, Aleesia Forni, Bill Heltzel, Phil Hall, Kevin Zimmerman, Georgette Gouveia, Mary Shustack ART & PRODUCTION Art Director + WCBJ Design Manager Alison Kattleman Art Directors Sebastian Flores, Michaela Zalko ADVERTISING SALES Manager • Anne Jordan Metro Sales and Custom Publishing Director Barbara Hanlon Account Managers Susan Barbash, Lisa Cash, Patrice Sullivan Events Sales & Development • Marcia Pflug AUDIENCE DEVELOPMENT & CIRCULATION Events Manager / Writer • Danielle Brody Circulation Manager • Sylvia Sikoutris Telemarketing Director • Marcia Rudy Circulation Representatives John Holden, Brianne Smith Digital Research Coordinator • Danielle Renda ADMINISTRATION Contracted CFO Services Adornetto & Company L.L.C. Human Resources & Payroll Services APS PAYROLL Administrative Manager • Robin Costello

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Mrs. Green’s shutting stores as CEO steps down Heights, Briarcliff Manor, Mount Kisco, Eastchester and Larchmont. That leaves its locations in Rye, Tarrytown, Manhattan’s West Village and in the town of Fairfield and Stamford, Connecticut, on the outs.

The West Village and Stamford stores will close immediately, the Rye, Tarrytown and Fairfield This Mrs. Green’s grocery store in Rye is due to close this month. locations will be closed by week’s end, according to a company spokesperson.

BY RYAN DEFFENBAUGH A planned expansion in Dobbs Ferry at rdeffenbaugh@westfairinc.com the Rivertowns Square development is also off, a company spokesperson confirmed. wo weeks after supply short“Mrs. Green’s Neighborhood Market ages were widely reported has been a part of the fabric of the at its locations, Mrs. Green’s Westchester community for three decades Natural Markets announced and this announcement demonstrates late Tuesday afternoon that it our long-term commitment to providing plans to close all but five of its stores. CEO our customers with the locally sourced Pat Brown is also stepping down, the comproduce and healthy-living products they pany announced. love,” read a statement released attributed Mrs. Green’s, a subsidiary of Irvingtonto “the Company” today. “While the clobased Natural Markets Food Group, sure of any location is difficult — especially said that it would focus its business into because our customers and communities its core Westchester stores: Yorktown

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have supported us — they are also necessary as we focus on our core, profitable stores.”

Existing management will take over Brown’s duties, who was appointed CEO in October 2014. The company thanked him for his service in the statement, but did not give a timeline for any potential replacement.

Natural Markets Food Group is owned

by Toronto-based equity firm Catalyst Capital Group Inc. Catalyst operates the Planet Organic and Richtree Natural Market Canadian grocery chains under the Natural Markets Food Group name as well.

Mrs. Green’s launched as a single family-owned store in Scarsdale in 1991. In 2007, the company and its 11 stores at the time were bought for $33.7 million by Planet Organic Health Group, then Canada’s largest natural food retailer. Planet Organic filed for bankruptcy in 2010, when Catalyst acquired its assets.

A company spokesperson said the restructuring process will affect only the Mrs. Green’s stores, not any other brands under the Natural Markets Food Group umbrella.

The company is still working toward restocking shelves at the locations that will remain open, and the process will happen in different installments, according to a company spokesperson.

The company said it will provide severance packages and transition services to impacted managers and associates.

CRAFT BEVERAGE CENTERS TO OPEN FOR DIYers GOV. ANDREW CUOMO IS LOOKING to give home brewers, vintners and cider producers a boost in creating “the next great Empire State beer, wine, or cider.”

Cuomo on Nov. 14 signed into law a bill that allows for the creation and operation of custom beer, wine and cider production centers. The centers would rent space and equipment to people looking to get in the homemade beverage game.

The craft beverage industry has taken the state “by storm,” Cuomo said.

“This new law builds upon this increased interest, supports local agriculture, and breaks down artificial barriers to allow innovation and creativity to flow,” he added.

The custom beer, wine and cider production centers could help people living in urban and suburban areas without access to equipment or space to make their own craft beverages, according to Cuomo’s office. The centers will be regulated by the State Liquor Authority.

—Ryan Deffenbaugh

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WCBJ

NOVEMBER 21, 2016

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Bank — » » From page 1

“Determining an African-American customer’s buying power has more to do with the color of her skin than objective financial indicators,” the lawsuit says.

William Calderara, Ulster Saving’s president and CEO, on Nov. 15 said that the bank has not been served yet with the lawsuit and even if it had, he could not comment on pending litigation.

“Overall, the bank is very proud of its history of serving our communities,” he said.

Ulster Savings is based in Kingston and operates 14 branches in the Hudson Valley and on Long Island. It has assets of $790.4 million and deposits of $680 million.

The housing organization targeted the bank because it had extended a small percentage of its loans to African-Americans.

Home mortgage disclosure data from 2011 to 2015 shows that it made 1,599 loans for principal home purchases, but only 40, or 2.5 percent, went to blacks.

The housing group employs professional actors to do the testing. They use a concealed digital recorder in the tests.

“They know how to get into these characters,” Fair Housing Justice Center spokeswoman Katie Garcia said. “The testing is about observing the unvarnished practices of housing providers, actually seeing how they operate on a day-to-day basis.”

The testers asked loan officers how much they could afford for a home and a mortgage, based on their financial profiles.

Their profiles included household income, cash savings, monthly liabilities and credit scores. The profiles were similar for white and black testers but in every case the black testers presented stronger finances.

Two years ago, testers were sent on different days to Ulster Savings’ Elmsford office.

Both testers met the same loan officer.

The black tester presented a household income of $149,383, cash savings of $101,815, monthly liabilities of $560, and a credit score of 740.

The white tester claimed household income of $145,200, cash savings of $101,119, monthly liabilities of $604, and a credit score of 725.

The black tester was told she could afford a $500,000 home and qualified for a $400,000 loan. The white tester, despite slightly less favorable finances, was told she could afford a $550,000 house and qualified for a $495,000 loan.

The black tester’s closing costs would come to $20,000 to $25,000. The white tester would have to pay about $15,000.

In a test at the Riverhead office of Ulster Saving Bank in Suffolk County, a black tester qualified for a loan that was $200,000 less than discussed with the white tester. The black tester was also told he would have to show income documents to confirm his annu-

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al household income, while no such requirement was mentioned to the white tester.

Ulster Savings loan officers at the Goshen office in Orange County told the white tester she would not be charged any points — a percentage of the loan to cover bank costs — on her transaction. The black tester was told she would have to pay half a point on the loan.

The black tester was discouraged from looking for a house in Warwick, a predominantly white community, because the town is very expensive. Instead, he was encouraged to look in Newburgh, which has a larger African-American population.

Loan officers in the Poughkeepsie office of Ulster Savings told the black tester that she qualified for a loan up to $800,000, but he discussed financing for only one option, a $400,000 home. The white tester, who presented a less impressive financial profile, was told she qualified for a maximum loan of $900,000 and was told she could afford a house that cost up to $600,000.

The black tester in Dutchess County was told she would be charged points, according to the lawsuit, if she paid less than 25 percent of the home purchase price at the closing. The white tester was told there was no need to consider points.

The black tester was quoted $1,800 in bank fees. The white tester was quote bank fees of about $1,000 to $1,100.

The housing group spokeswoman would not say whether any of Ulster Savings branch offices or loan officers responded equitably to pairs of testers.

“I’m not at liberty to disclose or comment on any evidence that is not referenced in the complaint,” Garcia said.

The Fair Housing Justice Center says such discrepancies have a profound impact.

African-Americans are discouraged from buying better homes. They accumulate less equity and acquire less long-term wealth. They end up in less desirable towns, where schools are not as high-achieving, transportation routes to higher paying jobs are more time-consuming and basic amenities are more limited.

The black testers, the lawsuit says, were debased and humiliated. They were treated as lesser citizens than their white counterparts, as if they were unworthy of being customers.

The housing organization said the very structure of Ulster Savings Bank seems designed to avoid lending money to AfricanAmericans. It has avoided opening offices in towns with large minority populations, and in the one instance where it did, the bank didn’t place a loan officer there.

The housing group wants the court to order the bank to stop discriminating, change its policies and practices, train its employees on fair housing and lending laws, provide new products or incentives to counteract the harm that has been caused, and allow monitoring of its residential lending process. It is also asking for compensation for itself and its testers.

Financially imperiled college will sell five houses

BY ALEESIA FORNI aforni@westfairinc.com

T

he College of New Rochelle will auction off five singlefamily homes to raise capital amid its ongoing financial crisis.

“We’re taking this step to help strengthen the academic institution’s financial footing,” said Ron Eagar, the school’s recently appointed chief restructuring officer and a partner at Grassi & Co., the accounting firm charged with overseeing the restructuring and stabilization of the private Catholic college.

The homes, which are owned by the college and sit adjacent to the campus, will be offered individually via a live auction on Dec. 14.

“These are non core assets of the college, and we’d rather sell these properties to a user or developer than keep them on our balance sheet at this time,” Eagar said in a statement.

Earlier this month, trustees of the College of New Rochelle announced that a financial probe into the its finances had found $20 million in unpaid payroll taxes spanning eight quarters since 2014 and

an additional $11.2 million in debts and liabilities.

Three of the homes that will be sold are used for staff housing and two serve as administrative space. According to Madison Hawk Partners LLC, the New York-based real estate firm that will conduct the auction, two of the homes are move-in ready, while the remaining three residences may require renovations.

The five single-family homes being offered are at 23 Hemlock Place, 17 Hemlock Place, 4 Hemlock Place, 59 Leland Ave. and 55 Leland Ave. The sale will take place at the Hilton Westchester in Rye Brook. For more information, visit www.MadisonHawk.com/ Auctions/NewRochelle.

Founded by the Ursuline Sisters in 1904, The College of New Rochelle includes four schools: the School of Arts & Sciences, the School of Nursing and Health Care Professions, the Graduate School and the School of New Resources for adult learners. In addition to its main campus in New Rochelle, it operates five satellite campuses in the New York City boroughs. The former women’s college decided to become fully coeducational in 2015.

MERCY COLLEGE ANNOUNCES INTERNSHIP GRANT PROGRAM MERCY COLLEGE ANNOUNCED AN INTERNSHIP GRANT Program that will award eligible students a $1,500 grant for working an unpaid, for-credit internship.

“Many internships are unpaid and thus not financially viable for students,” said senior director of Career and Professional Development Jill Hart. “A grant may remove that financial barrier and enable students to gain experience, skills and connections that are valuable in the marketplace.”

Hart said the application process is

competitive, and students will have to prove a clear relationship between their planned internship and career development goals. The selection committee will consist of staff members from the division of student affairs and a rotating faculty member.

The deadline to apply is Nov. 21.

For more information, contact the Career and Professional Development team at CPD@ mercy.edu.

—Aleesia Forni

PORT CHESTER RESTAURANT RELOCATES

T&J Restaurant & Pizzeria owners John Ruggiero and Ray Sassano.

Photo by Mario Mirabella.

T&J RESTAURANT & PIZZERIA HOSTED a grand reopening on Nov. 9 at its new restaurant at 10 Pearl St. in Port Chester. The restaurant was previously in business for 26 years at 227 Westchester Ave., just blocks away from its new location.

The restaurant, owned by John Ruggiero and Ray Sassano, features a ground-floor dining area and outdoor seating, along with an upstairs catering and event venue with a rooftop terrace.

For more information, visit: tandjs.net

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NOVEMBER 21, 2016

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Mediterraneo opens in longtime vacant White Plains property

BY ALEESIA FORNI aforni@westfairinc.com

A

fter years of sitting vacant at the corner of Renaissance Square and Main Street in White Plains, an architecturally unique building developed by Louis Cappelli of Cappelli Enterprises finally has its first tenant.

The Z Hospitality Group officially opened Mediterraneo of White Plains in the glass building at 189 Main St. with a ceremonial ribbon cutting earlier this month. The uniquely designed building with diamond-shaped glass panels has been empty since construction was completed in 2010.

Cappelli said a number of uses were proposed for the site — from retail to a yoga studio to a cigar bar — though none had fit his vision for the property.

“I just didn’t have the right tenant,” Cappelli said. “I needed foot traffic and this partnership that we have is the perfect tenant partnership.”

The 6,000-square-foot, three-story restaurant is opposite another Cappelliowned property, the Ritz-Carlton New York, Westchester hotel and the two 44-story glass towers of the Ritz-Carlton Residences.

Cappelli said Mediterraneo will bring higher recognition to the area he hopes to brand as “Restaurant Row,” along with other eateries along Renaissance Square, including BLT Steak and Serafina.

Z Hospitality Group owns and operates eight restaurants in Fairfield and Westchester counties, including Aurora in Rye, Terra in Greenwich and Mediterraneo restaurants in Greenwich and Norwalk.

During his search for a space to open a third Mediterraneo, the restaurant group’s owner Ramze Zakka was intrigued by the building’s distinctive architecture. “I looked at the building and I said, ‘What a magnificent building. Why has anybody not moved on this space?’ But it probably had to take a lunatic like me to move forward with it,” he said. “But it was a great opportunity and it has worked out well.”

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Transforming the dormant property into a three-story restaurant complete with a glass elevator, mezzanine and private dining area took about nine months. “The building is phenomenal, it’s spectacular, but it wasn’t easy shoehorning a restaurant in here,” he said.

White Plains Mayor Thomas Roach said that while many of the unusual building’s prospective tenants have come and gone, he believes the property is “perfect for the use” of a Mediterranean restaurant.

Roach said that the opening of Mediterraneo will add to the ongoing revitalization of downtown White Plains.

“Right now the investment that’s taking place in this area is very strong,” he said, referencing other downtown projects including Kite Realty’s planned improvements at City Center and the recent purchase of The Galleria of White Plains by California-based Pacific Retail Capital Partners. ◀◀ The glass building at 159 Main St. in White Plains has been vacant since its construction. Photo by Aleesia Forni.

Pace Law launches clinic to help food and beverage entrepreneurs

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

A

new program from Pace University’s Elisabeth Haub School of Law, scheduled to launch in the spring, will address legal problems for a growing class of entrepreneurs in the Hudson Valley food and beverage industry.

The law clinic can serve a dual purpose, according to Jonathan Brown, a former Yale Law School lecturer who was hired by Pace last month to direct the program. The clinic helps students gain valuable experience working in a growing area of law, while helping to nurture sustainable food efforts regionally.

“This is the only opportunity students at this law school will have within the school year to practice real transactional law, draft and negotiate contracts and navigate regulations,” Brown said. “And not only do that, but do it for clients who are doing really exciting work.”

The clinic will be a class offered to a group of between four and eight law students in either their second or third years, and also include a weekly seminar component.

Students will provide free legal services to clients, focusing on transactional work, including negotiating contracts, real estate and tax issues and food safety regulations. The clinic will focus its efforts on clients who are dedicated to helping the food system become more sustainable and equitable, Brown said.

While there are no set geographical boundaries, Brown said most likely the need for face-to-face meetings would limit the clinic to businesses in the region.

The program will be funded by a twoyear grant of $400,000 from Pace Law alumnus Rob Sands, the CEO of the publicly traded Constellation Brands beverage company headquartered outside Rochester. The grant will fund the law clinic as a two-year pilot program.

The program is part of a broader PaceNatural Resources Defense Council Food Law initiative, a collaboration between the law school and the NRDC to expand the capacity of the legal community to help build sustainable and healthy regional food systems.

“The clinic is the primary means that we are achieving this,” said Margot Pollans, the faculty director of the Pace-NRDC Food Law Initiative. “The clinic can directly provide those services, but also is focused on training the next generation of lawyers to be able to provide these services.”

Pollans said the school is working on additional attorney-training programs relat-

ed to the initiative that it hopes to have launched in the spring.

Farmers and food and beverage entrepreneurs can face challenges from all different directions in getting a business launched, according to Brown and Pollans. Food safety laws are often more geared to large-scale food and beverage practices. There can be challenges with land use law, particularly in urban areas. In the Hudson Valley particularly, there can also be roadblocks from the TWB Now of Open affordability land.in Mamaroneck WCBJ “And it’s not necessarily that there is 7.375” w x 7.125” h always a hurdle, it can be more of a need for 11-14-16 legal assistance to navigate the network of tools that exist to try to make farmland more affordable for farmers,” Pollans said.

As the food and beverage production industry has grown in the Hudson Valley, so too has the legal industry around it,

Pollans said.

“It’s definitely growing as an area of study in law school, there are now five or six law schools that have clinics devoted to some aspects of food law,” Pollans said. “And huge demand for law students to work on these issues,” she said, citing the Food Law Student Network, a national group of students that advocates for food law programs. The network held its first national conference in 2015.

“There’s a huge interest from students, and I also think more and more job opportunities,” Pollans said.

Pace Law is working with the NRDC to help get the word out about the program to food and beverage businesses. It will run a program at the Young Farmers Conference to be held at Stone Barns Center for Food & Agriculture in Pocantico Hills.

The Pace program will launch at the

Jonathan Brown will direct the new program at Pace University’s Elisabeth Haub School of Law. Photo by Ryan Deffenbaugh.

start of the spring semester in mid-January.

“It seems more important than ever, the work that people are doing from the ground up to improve the sustainability of the food system,” Brown said. “Thinking issues of justice and access in the food system. That very much has to come from the ground up.

And we think the work the clinic is going to do in helping those organizations is incredibly important.”

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NOVEMBER 21, 2016

9

ASK ANDI

BY ANDI GRAY

Protecting your business from risky clients We just got clobbered by a client who went under, taking our receivables with them. We’ve gone from having tons of money in the bank to being very thin.

Since this was a sizable account, it’s going to be hard to replace. We want to learn from this experience.

What should we have done differently — so we can do it right next time?

THOUGHTS OF THE DAY: Big clients can

help boost the business, but they can also be dangerous. Make sure you have a good handle on what’s going on with every customer. Build in protections for things that might go wrong.

Big clients are tempting. Less sales

effort, more sales volume, revenue growth.

It’s all good, right? Wrong. Big clients also can put downward pressure on profits, shift your focus away from building other clients and if they decide to leave, they can leave a big hole behind.

Work on reducing the effort and cost of acquiring new customers. Test to find repeatable marketing campaigns you can rely on to build your sales pipeline.

Document and continuously measure what’s in your company’s sales funnel.

Get to the point where, at any time, you can open the floodgates and replace any existing customer without sweating the details.

Assign a point person to every customer. Ask for call reports to insure that someone from your company is regularly talking to every client’s buyers and the people who pay the bills. Build relationships with people who can get the invoices paid.

Put customers on a “red alert” list if invoice aging starts creeping up. Every

customer should have a valid credit card on file, with signed authorization to use it, in case invoices go 60 days past due.

Regularly check the credit of larger and riskier clients and verify that credit cards on file are still valid.

Cut customers off and hold up future work as negotiating leverage to get paid.

Unpaid bills are “sunk cost” — that is, they are worth $0 until a payment is received.

Never let a customer fool you into doing more work in order to get an old bill paid.

Instead negotiate for payment on past due invoices plus money to put toward new orders.

Get control of your business’ financial picture. Build a budget, a cash flow statement and a sales forecast. Get a credit line in place and learn how to use it wisely.

Have a plan to get debt free. If you’re unsure about what to do, ask an expert to teach you.

Cash reserves are any businesses’ number one protection from things that might go wrong. Three to six months of overhead expenses, set aside in a savings account, will go a long way to keeping your business safe under the worst of conditions. Put away a few dollars every

week, to build up reserves.

The finance function of any business requires a lot of different skills. Make sure you have the bases covered. Use outside resources such as accounting, bookkeeping and financial analysis firms to fill in gaps. Transition tasks to internal staff as the business grows Most entrepreneurs are sizable risk takers. Learn to moderate risk-taking. Have someone else in the business who can sound alarms, be a voice of caution, with the clout and stamina to stand up to you when your risk-taking gets out of hand.

LOOKING FOR A GOOD BOOK? “CFO Techniques: A Hands-on Guide to Keeping Your Business Solvent and Successful,” by Marina Guzik.

Andi Gray is president of Strategy Leaders Inc., StrategyLeaders.com, a business consulting firm that teaches companies how to double revenue and triple profits in repetitive growth cycles. Have a question for AskAndi? Wondering how Strategy Leaders can help your business thrive? Call or email for a free consultation & diagnostics: 877238-3535, AskAndi@StrategyLeaders.com.

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NYU Stern's Part-time MBA program in Westchester Congratulates students Lauren Chacho and Nalini Gupta and alumnus Adam Simon on their 2016 Milli Awards!

10

NOVEMBER 21, 2016

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Astorino talks about budget and elephant in the room

BY BILL HELTZEL bheltzel@westfairinc.com

S

o what’s new? Marsha Gordon asked. Any interesting meetings lately?

Robert P. Astorino, the Westchester county executive, had just spent 40 minutes detailing his proposed $1.8 billion county budget for 2017 to 120 or so business people at a Nov. 16 breakfast meeting at Tappan Hill Mansion, in Tarrytown.

And everyone in the room knew what Gordon, president and CEO of The Business Council of Westchester, was asking.

There have been rumors that Presidentelect Donald Trump will ask Astorino to head the U.S. Department of Housing and Urban Development. That’s the same federal agency that Astorino has battled for years over a consent decree that requires the county to build affordable housing in predominantly white towns and to ensure that the towns do not use exclusionary zoning practices.

Astorino downplayed the rumor ambivalently.

It’s crazy. It’s insane to hear his name bandied about for a cabinet position. And he does not expect the position to be offered to him.

But, “If the phone rings, yeah, I’ll take the call. I’ll see what he has to say.”

Even so, there is something to be said about staying on a job he loves in a county he loves and not uprooting his family.

“So it’s insane, but it’s nice to be considered for anything like that. But I don’t anticipate it.”

Asked afterward how the rumor got started, Astorino said he knows 13 of the 16 executive committee members of the transition team, as well as Trump, whom he backed for president and with whom he has golfed and been friends with for 15 years.

“So, I think with my seven years of dealing with HUD and seeing the ugliness of that federal agency and suggesting along the way how to fix it, maybe they thought I’d be a good secretary of that agency.”

He also vouched for Trump during his presentation.

“No matter how you feel about his politics, I can tell you on a personal level, he’s a lot different.”

“And I think you’re going to see the pragmatic side of him, because things have to get done.”

Most of Astorino’s talk was devoted to the pragmatic.

He has proposed a $1.8 billion “flat” budget that keeps spending on par with the previous six years. Essential services would be maintained, no employees would be laid off, the $140 million reserve fund would not be tapped and property taxes would not be raised.

That means services such as the BeeLine bus routes would not be cut and Westchester Community College tuition would remain the same.

The county had to solve a big problem to balance its budget this year. Sales tax revenues came in lower than expected and health care costs came in higher, creating a $30 million shortfall. The hole was plugged by selling county land on Austin Avenue in Yonkers for $15 million and refinancing tobacco bonds for another $15 million.

Next year, in Astorino’s budget, the county will find new revenue by privatizing Westchester County Airport. He has negotiated a 40-year deal with Oaktree

Capital Management that includes $111 million in revenue, beginning with a $15 million payment next year.

Tying the 2017 budget to the airport deal could corner county legislators. They have until Dec. 27 to review, amend and approve the budget as well as approve a complicated airport lease.

If the legislators balk, the burden of cutting services or raising taxes could fall on them.

Six weeks, warned legislative chairman Michael Kaplowitz in a press release, might not be enough time to approve the airport lease. While it may be a good deal, a contract of this length and scope requires serious investigation and review, he said.

Astorino also outlined a capital budget that would invest $110 million in parks and recreation, $72 million in buildings and structures and $50 million in roads and bridges.

Long-term, he said the county needs to unlock revenue from county assets, as it did when it sold the Austin Avenue property in Yonkers this year.

A deal to lease 60 acres of county land at the Grasslands Reservation in Valhalla for a $1.2 billion biotech research and medical offices complex could be completed by the end of the year.

The old model of sitting on government property and raising taxes to plug budget gaps, Astorino said, “is so broken.”

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NOVEMBER 21, 2016

11

COMMERCIAL PRINTERS

THELIST: COMMERCIAL PRINTERS

WESTCHESTER COUNTY

westchester county

Ranked by number of full-time employees. Listed alphabetically in the event of a tie.

FTP file submission

computer to plate

graphic design

digital color press

volume digital copying

two-color offset

four-color offset

foil/dieout/embossing

personalized variable data

postal discounted mailing services

document scanning and archiving

fulfillment/ distribution

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1 million

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Graphics by Color Group

Marc Weinstein support@colorgroup.com 1946

10 0

NA

✔

✔

✔

✔

✔

✔

✔

✔

✔

✔

Wayne Printing Inc.

Jeffrey Wayne service@wayneprinting.com 1971

8 2

1.5 million

✔

✔

✔

✔

✔

✔

✔

✔

Accel Printing & Graphics

William Harden ann@trepro.net 1971

5 NA

NA

✔

✔

✔

✔

✔

✔

✔

Executive Printing & Direct Mail Inc.

Andrew Dieckman andrew@exprint.com 1987

5 NA

1 million

✔

✔

✔

✔

Copy Stop/Royal Press

Rick Koh rick@royal-press.com 1960

4 2

961 Phoenix Ave., Peekskill 10566 937-2823 • gficommunications.com

70 W. Red Oak Lane, White Plains 10604 761-2400 • wayneprinting.com

128 Radio Circle, Mount Kisco 10549 241-3369 • accelprinting.com

50 Main St., White Plains 10604 428-5188 • royal-press.com

Sir Speedy Pleasantville

Carlos Bernard sirspeedypleasantville@gmail.com 1985

Copy Center & Services

NA

780,000

✔

NA

Fiora Solis copyasecpeek@aol.com 2012

3 NA

NA

Minuteman Press of Elmsford

Garret Cronin mmpelmsford@aol.com NA

3 NA

NA

✔

✔

Minuteman Press of New Rochelle

Frank A. Micelli frank@minutemanpress.com 1975

3 NA

500,000

✔

✔

1006 Park St., Peekskill 10566 739-8342 • NA

120 E. Main St., Elmsford 10523 347-5050 • westchester.minutemanpress.com

1299 North Ave., New Rochelle 10804 576-0335 • newrochelle.minutemanpress.com

LandmarkPrint Inc.

375 Fairfield Ave., Building No. 3, Stamford 06902 800-499-3808 • landmarkprint.com

Carmine Iannachino carmine@landmarkprint.com 1985

55 10

More than 8 million

✔

✔

✔

✔

4 8

467 Bedford Road, Pleasantville 10570 769-2020 • sirspeedy.com

Not ranked

✔

10 0

8 Westchester Plaza, Elmsford 10523 592-3200 • exprint.com

✔

✔

✔

✔

✔

✔

Note: LandmarkPrint Inc. is listed as "not ranked," because although the company does business in Westchester County, it does not have an office space in the county.

12

Not available.

Would not disclose.

NOVEMBER 21, 2016

WCBJ

✔

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Posters, including banners and signs, full bindery

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Photo reproduction services, signages, building wraps, outdoor illuminated signages, installation of signs, mailing and advertisement specialties

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Large-format graphics, digital printing, design and layout, scanning, photographing, signage and graphics design

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Mailing services, signs and other large format printing, forms, tags, labels and promotional products

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Additional services include books on demand, localized marketing, high-speed copying, color laser output and banners and signs

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Specializing in working with nonprofits

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Pickup and delivery

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Ful-service copy, print and bindery services

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Wide format color binding, custom die cutting, posters, banners, large displays, signage, promotional products, awards and corporate gifts, on-site print production and production outsourcing and custom online ordering

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Creative and data services, direct marketing, finishing and binding, integrated and mobile marketing, online storefronts, promotional products, signs, social media, trade show and event marketing, and website design

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Litigation document support, marketing materials, newsletters, journals, coil and perfect binding, stationary, banners, signs, trade show displays, pocket folders, flyers, brochures, playbills and window signs

✔

This list is a sampling of commercial printers that are located in the region. If you would like to include your company in our next list, please contact Danielle Renda at drenda@westfairinc.com.

NA WND

Other services

Andrew Mintzer gfiprint@gmail.com 1972

190 E. Post Road, White Plains 10601 993-9007 • landmarkprint.com

168 Saw Mill River Road, Hawthorne 10532 769-8484 • colorgroup.com

6

Services offered

GFI Communications Corp

2

5

Gross revenue for 2015 ($)

19 NA

PIP Printing & Marketing Services

4

Full-time/ part-time employees

Marijane Goldman Alan Goldman print@pipwestchester.com 1979

1

3

Top local executive(s) Contact person Email address Year company established

Mac/PC prepress

Name Address Area code: 914, unless otherwise noted Website

✔

Shipping services, local and international, UPS, Fedex and DHL blue printing

✔

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Gigabit expert addresses Westchester cities’ high-speed internet plan

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

A

s Westchester’s four largest cities get set to undertake a $750 million public-private effort to bring super-speedy gigabit broadband internet speeds to its residents and businesses, there’s still much to figure out.

A national expert on gigabit broadband led a discussion on what steps would be required by the plan — which calls for a gigabit broadband network about 20 times faster than basic broadband to be built in Yonkers, New Rochelle, White Plains and Mount Vernon.

Blair Levin, a former staffer under both Presidents Barack Obama and Bill Clinton and former chief of staff at the FCC, spoke at a luncheon Nov. 10 hosted by the Westchester County Association, the nonprofit business group that is leading the effort.

Coming two days after the presidential election, Levin meshed two of the slogans of the candidates to open his talk to those gathered at the Tappan Hill Mansion in Tarrytown.

He said America can be made great with great broadband, but was stronger together in building the networks.

“I think this county will be much stronger in its broadband efforts by virtue of the four cities coming together in this common effort,” said Levin, a Washington, D.C. resident who has joined the Westchester County Association gigabit initiative as a volunteer adviser.

Levin said the county was taking steps that put it at the “forefront of all communities,” and said the economic impact could be significant. He said the technology is still in the “early innings,” but America has experienced record growth in the fiber — to the point it is now reaching about 30 million homes. Improved broadband leads to economic growth, better jobs and higher property values, he said, citing examples in Chattanooga, Tennessee and Kansas City, Kansas, and Kansas City, Missouri.

“But this raises a very important questions which is if broadband offers such returns, why aren’t current market forces producing the affordable, abundant bandwidth communities seek and next generation networks can deliver?” Levin asked.

He explained that often the incentives just aren’t there for the internet providers.

“All the benefits I just mentioned are benefits that are more to people and entities other than the owner of the network,” Levin said.

So often it falls to the city to find a way to incentivize a provider to make those upgrades.

“There are many things that have to be done to offer service that provides affordable abundant bandwidth,” he said. “These include designing, financing, constructing, equipping a product and marketing that product, as well as serving the customer.

Communities have approached these tasks in several different ways, Levin said.

Some took steps to lower the costs for the private companies to build a better network, others a public-private partnership where the city owns the conduits and the private sector owning the fiber, two other cities built a network and then leased its operations to a private partner. Some other cities, Levin said, take on all the tasks and essentially go into competition with private providers, though he added that’s more common for smaller, more rural communities.

“The fundamental trade-off is very simple: the more the community wants to control the outcome and all the different elements of it, the greater risk the community must undertake,” Levin said. “Conversely, the community can lower its risk profile but it will inevitably have to give back certain elements of control.”

Levin cautioned that there is no single solution for all communities. But he said Westchester, by combining the population of four cities, will at least have the scale to garner the attention of internet providers.

“And I know this because the incumbents in your community have already called me up to ask me what I was going to say today,” Levin said.

But, he cautioned, the process toward getting the high-speed gigabit broadband live in Westchester will be long. Even Google, “one of the fastest movers on the planet” took years to grow its fiber networks in the eight cities it’s currently in, he said.

“Part of the problem with our politics these days is people expect instantaneous success. It doesn’t happen in these kinds of large development projects,” Levin said.

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NOVEMBER 21, 2016

13

Trump — » » From page 2

quarterly magazine, where King said global trade overall has a positive impact for the region’s manufacturers.

“The relatively high cost of producing goods in New York has meant that highvolume, labor-intensive lower-cost goods have long since gone from our region,” King wrote. “What remains are innovative companies with high-quality products that are in demand around the world. Any agreements that reduce tariffs and other barriers to trade make these Hudson Valley products more attractive.”

So what will a Trump presidency mean for those manufacturers? King said the uncertainty over the future of international trade deals could hurt manufacturers, but he’s waiting to see what Trump does once he takes office before drawing any conclusions.

As for what he’d like to see from a President Trump to help manufacturers in the region, King said investments in workforce development and infrastructure as well as policy changes in taxation and regulation could help.

“I think most of our members would like to see comprehensive tax reform that lowers rates to make them more in line with other developed nations,” he said. “I also think that a rollback of some of the many

14

NOVEMBER 21, 2016

WCBJ

regulations and executive orders that have made it more expensive to employ people would have a positive impact.”

Nonprofits Most of the coverage of the nonprofit sector in the election had more to do with the Clinton and Trump foundations than it did with how or if the candidates planned to change federal programs and other sources of funding for nonprofits.

The nonprofit sector, which is the largest employer in Westchester, is still assessing the impact a Trump administration will have, according to Joanna Straub, executive director of Nonprofit Westchester, an advocacy group for nonprofits in the county.

Straub said that organizations have expressed concern about the possibility of cuts in funding for civil legal services, women’s health care and health, safety and quality requirements for day care and preschool programs that Straub said will cost a lot to implement but are not fully funded.

“Cuts in federal funding would increase the local burden of providing these programs and would likely reduce or eliminate important services that help keep Westchester thriving by allowing everyone to reach their full potential,” she said.

Energy While New York has moved ahead with Gov. Andrew Cuomo’s Clean Energy Standard, which mandates the state receive 50 percent of its energy from

renewable sources by 2030, Trump has pushed for a different type of energy revolution. Trump said he wants to make the U.S. completely energy-independent by removing regulations and increasing the production of natural gas and coal.

Cuomo has pushed his renewable energy policy as the state’s part in a global fight against climate change, while Trump has called climate change a “hoax” and vowed to pull the U.S. out of the United Nation’s climate change programs.

How those two conflicting mindsets will coexist remains to be seen, said Karl Rabago, executive director of the Pace Energy and Climate Center. But Rabago said he views it as unlikely that decisions made by Trump and a Republican Congress could impact New York’s state-level energy programs.

“The climate don’t care what you believe,” he said. “That’s kind of the terror and the beauty of science. The data is rock solid. And New York is committed to dealing with this on a data basis and that’s why the governor has stood up so prominently with the Clean Energy Standard. I think our state policy is on firm footing for being right, and if you honor the right of states to address the issues that are important to its voters, then you see no reason for the federal government to interfere in any material way with what our state wants to do.”

But renewable energies do rely in part on federal subsidies for financing, which

Rabago said could impact the development of solar and other renewable systems.

If there is resistance to efforts to combat climate change on the federal level, Rabago said, it’s important for states such as New York to show leadership in developing renewable energy and other efforts to counter global warming.

“This is a moment for that good oldfashioned word ‘leadership,’” he said.

“Convening people around a common agenda. And polls consistently show that the American people do expect climateresponsible regulation and leadership.”

Politics Cuomo’s relationship with a Trump administration might prove interesting, according to Larry Bridwell, a professor of international business and chairman of the undergraduate management program at Pace University’s Lubin School of Business.

He said Trump overall could be a positive for the state’s economy, since it has a hometown advantage, and New York could have help from the White House in pushing along needed rail tunnel and airport projects. But how Cuomo and Trump get along will be worth watching, Bridwell said.

“It is good for New York if they work well together, but Gov. Cuomo may be interested in running against President Trump in 2020,” Bridwell said. “Will this affect New York? It remains to be seen.”

CPAs honored at Beyond the Bottom Line event

BY ALEESIA FORNI aforni@westfairinc.com

P

rofessionals who hold businesses accountable were honored at Beyond the Bottom Line, an award ceremony honoring CPAs on Nov. 10 at the Whitby Castle

in Rye. The event was presented by the Fairfield County and Westchester County Business Journals and Bank of America Merrill Lynch.

Promising young accountants Gregory Re of Martin, DeCruze & Co. LLP and Ralph J. Martucci of Judelson, Giordano & Siegel CPA PC received the Top Accountant Under 40 Award for their expertise, customer service and ability to develop new business.

“The ultimate goal is to provide clients the best possible service, so you may not always love tax season and all the deadlines and the hours, but the reward is seeing how clients value and appreciate what we do,” Re said.

The Most Trusted Adviser Awards were given to Ita M. Rahilly of RBT CPAs LLP and Brandyn Schmelzer of BDO USA LLP for giving sound advice to clients and helping

CPA award winners from left: Ralph J. Martucci, George Whitehead, Nathaniel Yordon, Neema Vaheb, Edward H. Roberts, Ita Rahilly, Brandyn Schmelzer and Gregory Re.

them make a positive impact on their business.

“Without trust, you have nothing,” said award presenter Dennis Supraner, president and CEO of Professional Liability Consulting Services Inc. “You can’t even have that first conversation if someone is not saying, ‘I trust that person.’”

Schmelzer thanked his firm and his colleagues at BDO for contributing to his success.

“What makes a trusted adviser is not one person, it’s a whole firm,” he said.

The Ahead of the Curve Award was given to George Whitehead of PKF

AN ECONOMIST’S PERSPECTIVE ON THE BEST PATH TO PROSPERITY.

O’Connor Davies LLP and Neema Vaheb of PricewaterhouseCoopers LLP for keeping up with new legislation and industry trends.

Whitehead said staying on top of the industry can prove difficult because the world of accounting is constantly changing.

“I stay ahead of the curve, because I’ve been behind the curve and it’s not a very pleasant experience,” he said.

Edward H. Roberts of Citrin Cooperman and Nathaniel Yordon of Capossela, Cohen LLC were honored with the Most Generous Award for providing exemplary service and attention to the nonprofit and government sectors, giving back to the community

through volunteer work and sharing their expertise.

“The best thing about giving back is, as much as you give, you always get back tenfold,” Roberts said.

Echoing that sentiment, Yordon, who serves as a board member at Open Door Shelter, said that while CPAs can make a good living through their profession, they can only ensure having a good life by helping those in need.

“CPAs cannot and should not hoard our valuable resource only for those who are willing to pay for it,” Yordon said. “We must share it in a way which will benefit our communities and those who are less fortunate and not as lucky as we are.”

The awards were open to accountants working in Fairfield County, Westchester County and the Hudson Valley. Winners were chosen by a panel of judges that included Don Albert Kiamie, president and CEO, an equity owner and board chairman of Windsor Management Corp.; Frederick Harmon, assistant professor of accounting at University of Bridgeport; and Allison Madison, president of Madison Approach Staffing Inc.

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NOVEMBER10/25/16 21, 20163:34 PM 15

BY FILOMENA FANELLI

What a pitch!

FIVE WAYS TO MORE EFFECTIVELY REACH MEDIA

A

fter 18 years in the public relations industry, it’s fair to say I’ve seen my share of pitches. Sometimes I’m the one doing the writing, other times I’m critiquing someone else’s letter and, often, I’m the one charged with explaining to a client what idea has wheels (and what one doesn’t).

For those outside of the communica-

tions world, a pitch is a short email or call made to a media outlet to entice it to write or report about a brand, product or service. It’s an often-used tool to position a client to a newspaper, magazine, website, radio or television show and to help the business stand out in a crowded pool of people vying for that same air time or column space. The competition is fierce, so knowing how and when to make an

approach — or when not to — can be the difference between success and dead silence.

While no pitch is a shoo-in, here are a few ways you can better your odds: Gathering intelligence is intelligent Before pitching, do some deep thinking. What is the story you’re proposing on your client’s behalf and how does it benefit the media outlet’s readers, listeners or viewers? Who is the correct party to approach? If you’d like to propose a story on fashion trends, for instance, you don’t want to email the sports reporter or vice versa. Read up and see who is writing what, do Google or social media searches or head to the ‘contact’ or ‘about’ section of a news outlet’s website.

Favorite topics for pitches are often something that’s new or unusual, a trend or solution. If it’s already been written about or reported on, unless you have something truly intriguing and fresh to add to the conversation, it’s better to stay silent.

Go above and beyond Better yet, assemble some information beyond the idea and the brand you’re writing about. Perhaps there is market research to back a trend or a person who can go on record to discuss the issue or another company besides yours that ties into the bigger picture. The more you can information-gather, the stronger the pitch becomes.

Make it easy for the person you are approaching to say “yes” by fleshing the idea out for him. As an example, if you’re citing a real estate trend, head to the National Association of Realtors website to pull recent reports that tie to the topic at hand, then find several home buyers who are ready and willing to talk about the topic you’re pitching.

Keep it short and sweet A pitch letter is not to be confused with a press release, media alert or fact sheet. It should be a succinctly shared idea that lets the person you’re emailing know what you have in mind, why it’s relevant and what resources you have handy. A simple link to supporting data will do the trick. You can always forward additional background if there’s interest or include information below your main idea.

Timing is everything Not all ideas are evergreen, so being

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Filomena Fanelli

mindful of what news is trending can help turn a pitch from blah to ahhhhh.

Creatively combining your ideas with what the rest of the world cares about at the moment helps a news outlet meet its audience’s needs.

For instance, if it’s autumn and you are a food or beverage brand, feel free to pack on the pumpkin-related pitches. Is it election season? Research a candidate’s favorite food and invent dishes to interest those that may be hungry for timely but fun food-related news.

Remember: It’s not about you This last tip is always one that’s tough to tell clients. Even though we all love our own brands and think we have a brilliant idea — and sometimes we really have something worth talking about — media have many deadlines and responsibilities to juggle and may not always jump on your pitch.

Approaching wisely with solidly developed ideas and allowing them to call the shots means the members of the media will be more apt to consider that next big idea, even if they don’t agree to the first one you present. Like any other relationship, building authentic, lasting connections takes time. Be patient and considerate and don’t take any rejection personally.

Trust the process, be a resource and be confident: your day will come.

Filomena Fanelli is the CEO and founder of Impact PR & Communications Ltd., an award-winning regional public relations firm based in Poughkeepsie, and an adjunct professor at Marist College’s School of Communication and the Arts. She can be reached at filomena@prwithimpact.com.

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ANALYSIS

The workplace law landscape in a Trump presidency

Editor’s note: This analysis was prepared by attorneys at Jackson Lewis P.C., a national workplace law firm that primarily represents employers.

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resident-elect Donald Trump will assume office on Jan. 20 with a Republican majority in both the Senate and the House of Representatives. While it is difficult to predict whether the new administration will be able to deliver on Presidentelect Trump’s campaign promises, we can expect significant policy and enforcement shifts. For example, judicial appointments to the U.S. Supreme Court and other federal courts will have significant and farreaching implications. This analysis focuses on the likely dramatic impact of the Trump administration on workplace law.

Courts The U.S. Supreme Court has been operating with eight justices since the sudden passing of Justice Antonin Scalia in February.

There also are many judicial vacancies on the federal bench. President-elect Trump likely will appoint judges more inclined to preserve the strict certification standards for class actions and rein in novel interpretations of laws such as the Americans with Disabilities Act — for example, on disparate impact and reasonable accommodation issues.

Government Enforcement Federal agencies increasingly have been aggressive and controversial in their enforcement methods. Under new leadership in the Department of Labor (DOL), the Equal Employment Opportunity Commission (EEOC), and the Office of Federal Contract Compliance Programs (OFCCP), among others, one can expect a return to traditional, more conservative theories of discrimination previously recognized by federal courts.

We may see the EEOC ease its systemic discrimination enforcement activity and enforcement position on the Americans with Disabilities Act, Title VII, and the Pregnancy Discrimination Act. An important issue to watch is the EEOC’s position on Title VII’s application to LGBT issues.

Corporate diversity and inclusion programs are not likely to be affected by the new administration, as they are driven much more by demographic changes in the population, labor force, and marketplace and risk management considerations and much less by federal law and policy in the short term.

Further, the focus of current controversial regulatory action will change. New DOL leadership may revisit recent DOL proposed or implemented regulations, including those

subject to court injunctions. Congress may also now pass legislation to repeal the new DOL overtime rule that raises the salary level for exempt employees effective Dec. 1, and President-elect Trump might agree. Ongoing challenges to the Occupational Safety and Health Administration (OSHA) final rules — for example, silica and the electronic recordkeeping rule — may result in settlements that

lessen the regulatory impact of the rules.

Aggressive enforcement coupled with significant publicity and fines have been key tools implemented by the current administration. Under new leadership, these agencies may ease back on such aggressive approaches and offer greater cooperation to the employer community as they try to balance the purposes of the law with business realities.

Executive orders and sctions President-elect Trump has announced an intention to undo President Barack Obama’s executive orders, many of which impose significant employment-related prohibitions and requirements on government contractors. The new administration likely will rescind at least some of those executive orders, chief among them the controversial Fair Pay and Safe Workplaces Executive Order.

In addition, President-elect Trump has stated he will reverse the Deferred Action for Childhood Arrivals (DACA) and Deferred Action for Parents of Americans (DAPA) executive actions. It is unclear whether this » » ANALYSIS, page 18

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Analysis —

place policies); definition of appropriate bargaining units; and status of college/university adjunct faculty, graduate students, and student athletes.

The new board also may not make additional changes the current board would make, such as extending Weingarten rights to non union workplaces and making misclassification of employees as independent contractors a separate violation of the National Labor Relations Act. In addition, the Labor-Management Reporting and Disclosure Act “persuader” regulations, which are currently enjoined, may be revisited.

Sarbanes-Oxley Act and Dodd-Frank Act During the campaign, President-elect Trump singled out the Dodd-Frank Act of 2010 (DFA) as making it impossible for banks to lend money to businesses for the purpose of creating jobs. A repeal of the DFA might encourage Congress and the Securities and Exchange Commission to rely more heavily on the Sarbanes-Oxley Act of 2002 whistleblower provisions and thus mandate that corporate compliance programs, as developed by publicly traded companies, be increasingly robust, providing for greater “self-regulation.” Further SEC enforcement actions regarding confidentiality agreements likely will decrease.

Affordable Care Act (ACA) President-elect Trump has vowed to

» » From page 17

would only address the enjoined executive relief programs or also include revocation of work authorization documents for currently eligible workers under DACA. EEO-1 pay data reporting Final rules revising the EEO-1 report to add W-2 earnings and work hours reporting are scheduled to go into effect in early 2018. The new administration may consider rescinding the changes before first reporting is due in 2018 or revising the reporting to ease the burden on employers.

National Labor Relations Board Currently the NLRB has a 2-to-1 Democratic majority, with two vacant seats.

Since the president traditionally has had the opportunity to appoint board members to achieve a majority along political lines, the open seats likely will be filled by Trump appointees. This will create a more business-oriented NLRB. A new board with a Republican majority is likely to revisit recent NLRB rules and decisions, including those covering class action waivers; joint employers; inclusion of temporary workers in bargaining units with an employer’s regular workers; quickie elections; expansion of protected concerted activity (for example, its impact on work-

repeal and replace the ACA. The extent to which this comes to fruition, the timing of any dismantling efforts and the types of replacements that are offered will be of utmost importance to employers. While there has been much mentioned in broad brush strokes about a full repeal, it is unlikely that that can or will occur. Alternatives, such as the reliance on private health care savings accounts, market-based universal coverage and allowing for insurance plans to be offered across state lines have been floated; however, there is no Republican consensus on what the path away from the ACA will look like.

Employers will be eager to see what is done to change and lessen employer obligations under the ACA but for the meantime, will have to stay the course.

Fiduciary rule The Department of Labor’s fiduciary rule concerning the expanded definition of who is considered a fiduciary under the Employee Retirement Income Security Act and the Internal Revenue Code, as well as certain exemptions addressing conflicts of interest, also may be subjected to increased scrutiny in light of the Presidentelect’s opposition to the current administration’s financial initiatives and, more generally, “unnecessary” regulations. It is hard to determine at this point where these types of regulations on fiduciary status and conduct

will rank among a long list of priorities for the new administration.

Federal tax reform President-elect Trump has promised sweeping federal tax reform, including tax cuts for corporations. While the viability of implementing such changes rests with the Republican Congress, the lack of specificity as to what tax reform would look like under the new administration leaves many questions. These questions include how tax reform may affect benefits plans and arrangements, such as qualified retirement plans, fringe benefits and executive compensation arrangements.

E-Verify The new administration may focus on expanding enforcement of existing immigration laws in the workplace, which may include encouraging more employers to use E-Verify under existing law, as well as working with Congress to expand mandatory use of E-Verify. Under current federal law, E-Verify is voluntary for employers, except as mandated by executive order for federal government contractors.

International The new administration may suspend temporarily the issuance of visas to certain countries and regions designated as high risk. President-elect Trump has indicated he will ask the Department of State, Department of Homeland Security and the

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Department of Justice to begin a comprehensive review of high-risk visa cases to develop a list of regions and countries for which visa issuance will be suspended until a proven and effective vetting mechanism is implemented.

Individuals from countries such as Syria, Iraq, Libya, and other designated high-risk areas, or individuals who have traveled to such countries, will face even longer delays obtaining visas for both short- and longterm travel to the U.S. In addition, global mobility may be affected if the U.S. restricts or delays business visas, resulting in reciprocal treatment by the affected countries.

U.S. companies operating in major European markets and other countries with strong labor interests may encounter increasingly complex labor relations and works council issues, as the U.S. is perceived as more nationalistic and less deferential to local employee protections. Further, there may be increasing pressure from foreign vendors, suppliers, customers, and employees on U.S. companies to certify that they will comply with International Labour Organization standards.

Post-employment restrictions The new administration is unlikely to continue attempts to prohibit non compete agreements we have seen from the White House over the past months, at least on a

federal level. On a state level, legislatures still may respond to the Obama administration’s “call to action” and introduce measures to curb the use of non-compete agreements, as, for example, has been promised

by New York State Attorney General Eric Schneiderman.

The “Antitrust Guidance for Human Resource Professionals,” issued by the Department of Justice and Federal Trade Commission, is not likely to continue as a priority for the new administration. The guidance promised criminal prosecution of human resource professionals who, for example, enter into “naked” no-poach agreements.

Trade secret protection Adding to the bipartisan federal Defend Trade Secrets Act, which provided a civil right of action under the Economic Espionage Act, a new administration may adopt protectionist policies, bringing further enforcement efforts to misappropriation of trade secrets flowing to foreign powers, including to China.

Cybersecurity President-elect Trump has expressed a desire to reduce rather than increase regulation. However, political party hacking and unfavorable email dumps from WikiLeaks, coupled with continued data breaches affecting privacy and public-sector entities, may prompt the new president

and Congress to do more. Politics aside, cybersecurity is a top national security concern and it is having a significant impact on private-sector risk management strategies and individual security.

DOL opinion letters The long-standing practice of the administrator of the Wage and Hour Division of the DOL issuing official opinion letters regarding application of the Fair Labor Standards Act (FLSA) upon which employers rely may make a comeback. In recent years, the DOL had stopped issuing opinion letters, choosing instead to issue less frequent “administrator interpretations” with wider applicability and scope but less specificity.

Two significant administrator interpretations concerned joint employment and independent contractor status under the FLSA. Both have been viewed as clear efforts to expand the rights of workers under the law and place additional burdens on employers. New opinion letters are issued on a variety of topics and could scale back or withdraw the Obama administrator interpretations, permitting employers greater flexibility in using independent contractors and giving business more certainty in expanding through use of franchises.

White collar The President-elect has been critical of excessive and unnecessary government regulation in such areas as health care,

energy and the environment. We may see a decreased investigatory focus in these areas and fewer federal prosecutions of health care organizations, pharmaceutical companies, and manufacturers.

Focused on security and protecting the homeland, the new administration may enhance emphasis on international terrorism investigations, import/export violations, and immigration offenses.

Given his pledge to improve life in inner city areas, we should expect greater resources and attention to be devoted to the prosecutions of criminal activity by violent gangs and an effort to address crimes that affect the daily lives of the residents of America’s cities. *** An important question for many, especially those that operate in multiple states and must comply with the current patchwork of state laws on data breach and sick leave, for example, is whether a federal law that supersedes state law is likely. With Republicans in control of the executive and legislative branches, that remains to be seen. © 2016 Jackson Lewis P.C. Reprinted with permission. Originally published at www.jacksonlewis.com. Jackson Lewis P.C. is a national workplace law firm with offices nationwide, including Puerto Rico. The firm has a downtown law office and its national operations center in White Plains.

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GUEST VIEW

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BY JENNIFER MAHER

Trump as president – good for business?

hrough this intense election season, there has been much discussion about how Donald Trump’s policies would affect the business community. In his victory speech he boasted, “We have a great economic plan — we will double our growth and have the strongest economy anywhere in the world.” This is certainly a lofty goal, but how do we get there? Let’s examine some issues.

On immigration, Trump seeks to “establish new immigration controls to boost wages and ensure that open jobs are offered to American workers first.” Area contractors often seek immigrant workers to fill jobs that they struggle to fill with U.S. citizen applicants. It is also likely that there is a larger number of non citizen business owners here in Putnam County than one would think. So the President-elect’s plan would need to be examined before determining its effect on our businesses Regarding manufacturing, Trump wants to place barriers to companies wishing to leave the U.S.A. and make it more expensive to produce goods outside our borders. This

may be good in that companies would presumably stay in the U.S, but it may not help Putnam attract more manufacturing.

Health care is an area that may see improvement under a Trump administration, though more details are needed. Repealing and replacing Obamacare may be a popular idea, but what are we going to replace it with?

How will that help the many business owners and employees who choose to go uninsured and pay the penalty under current rules?

Trump’s best chance to help business lies in regulatory reform. Businesses are drowning under an avalanche of government rules. Wherever possible, efforts should be made to relieve the burden on businesses without compromising public or employee safety, so hopefully he will share details on his plans soon and we as business advocates need to pay attention.

The world in which we do business changed on Nov. 8, 2016. Hopefully it will be for the better.

Jennifer Maher is chairwoman of the Putnam County Chambers of Commerce and broker/co-owner of J. Philip Commercial Group in Mahopac.

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SPECIAL REPORT

EDUCATION Student debt a mounting burden for graduates and economy

BY PHIL HALL phall@westfairinc.com

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he depth and scope of the student loan debt issue is considerable: approximately 44 million consumers now owe roughly $1.3 trillion in student loans, according to the Consumer Financial Protection Bureau, with one out of four student loan borrowers past due or in default.

Closer to home, The Institute for College Access & Success ranked the 2015 graduates of Connecticut’s four-year public and private colleges and universities with the third-highest student loan debt level in the nation, with a state average of $34,773. New York ranked 18th, with an average student debt of $29,320 at graduation.

In September 2015, Connecticut became the first state to pass a student loan bill of rights that offers an ombudsman, a servicer licensing requirement and additional consumer protections for student loan borrowers. And while the subject did not occupy much public time during the latter stages of the presidential campaign, Presidentelect Donald Trump acknowledged the issue with a proposal that would speed up the debt forgiveness process by expanding income-based repayment plan options to include private loans. That option now is only available for federal student loans.

Yet the weight of student loan debt has created agitation across some parts of the economy, most notably in the housing market, where many millennials are not pursuing home ownership due to their financial situations. A recent survey conducted by NeighborWorks America found nearly 30 percent of Americans knew someone that delayed buying a home because of student loan debt, up from 28 percent in a 2015 survey by the organization and from 24 percent in a 2014 survey.

Among survey respondents identifying themselves as potential home buyers, 53 percent with student loan debt said their debt was “somewhat or very much an obstacle to buying a home.” That figure was down from 57 percent in 2015 but higher than the 49 percent rate in 2014.

“With the prices of college tuition and the need for student loans becoming more and more prevalent, it has definitely become

more difficult for the younger generation,” said John Walsh, president of Milford-based Total Mortgage Services. For lenders meeting with prospective millennial customers carrying high student loan debt, the best options are either having a non-occupant co-borrower on the mortgage or advising the borrower to wait until their debt level is lower or eliminated, Walsh added. “This has knocked a lot of people out of the housing market,” he said.

But a number of colleges and universities in the area are working proactively to ensure that their students do not graduate with massive loan debt weighing them down.

The University of Bridgeport sought to keep tuition costs down when it launched its Connecticut Promise program in April that guarantees first-time, full-time freshmen residing in the state will pay no more than $18,500 out of pocket for tuition, fees, and room and board after all scholarships and grants have been applied. An in-state commuting freshman not living on the university’s campus pays no more than $12,000 a year.

Karissa Peckham, associate vice president for enrollment at the University of Bridgeport, viewed the program as a winwin situation for both students and the

school. “When we decided to implement the Connecticut Promise, we had to determine how much it would cost the university,” she said. “We wound up enrolling an additional 100 Connecticut students, which we achieved by letting them know that students had this option. And despite enrolling more students, we are still able to meet our operating needs.”

Peckham also noted that the university places a strong emphasis on scholarships and tuition and offers a financial aid appeals process that can enable students to access assistance after the semester begins if a family or personal matter disrupts their fiscal well-being. “When we do our planning each year, the item at the top of the list is how can we continue to help our students,” she said.

Even lower tuitions are available at community colleges and have been a major selling point in attracting students.

“Only 7 percent of our student body has loans,” said Esther Watstein, spokesperson at Housatonic Community College in Bridgeport. “And I had to look over that figure two times because that’s amazing. On average, our students with loans average only $5,100 in debt, which would equate to payments of $52 a month. That’s pretty fantastic.”

Across the border in New York, Mercy College participates in Salt, a financial education program offered by the nonprofit American Student Assistance. The school’s loan default rate is between 3 and 5 percent, far below the national average.

“Everybody has access to it, including employees,” said Andrew Mantell, director of admissions. “You can learn about debt, credit, any part of financial life. It helps you track payments to lenders.”

Fairfield’s Sacred Heart University also uses the Salt program, but it places an emphasis on ensuring the quality of its education will result in well-paying employment or access to prestigious graduate education opportunities.

“Here at Sacred Heart, 95 percent of our undergraduates leave with either a job or an acceptance to continue their education,” said Julie Savino, executive director of university financial assistance. “While the amount of debt from college loans is certainly a concern, our students have a very low default rate that seems to indicate the employment they find allows them to pay the loans back.”

But despite these efforts, at least one financial expert is warning that the student loan debt issue is not evaporating and the proverbial piper will ultimately have to be paid.

“Lending is so easy and students can get loans despite an inability to pay them back,” warned Michael E. Chadwick, president of Chadwick Financial Advisors in Unionville, Conn. “At this point, it is not certain if we are going to deal with it voluntarily. Eventually, we have to deal with it and not have the student loans blow up like mortgages blew up in 2007.”

And Mercy College’s Mantell expressed the hope that more students came to college with a greater understanding of the financial responsibilities ahead of them.

“Students come here very conscious of the concept of debt, but not so much about making money, saving or borrowing,” he said. “Financial literacy in all aspects is never too early to learn — it would be great if that was part of high school, where students could learn about balancing checkbooks and constructing a budget. When they come to college and have to take out loans, it would not be such a shock.”

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Westchester Children’s Museum encourages learning by doing

BY ALEESIA FORNI

Boasting a panoramic view of the Long Island Sound, the museum resides in a former bathhouse and changing area for Playland in Rye. “When you look at the overall plan for Playland, we’re like one of the anchor stores in the mall,” Kay said.

aforni@westfairinc.com

L

ike most museums, the interior of the long corridor that houses the Westchester Children’s Museum is lined with works of art and eye-catching displays.

But unlike the strict hands-off policies of typical museums, visitors to the Children’s Museum are encouraged — if not expected — to manipulate, deconstruct and reassemble each exhibit.

“This is a place where we want kids to just experiment and interact,” said Tracy Kay, executive director of the Westchester Children’s Museum.

From creating a winding roller coaster from an assortment of multishaped parts to constructing an elaborate three-dimensional design that will hover within a vertical wind tunnel, visitors to the museum are encouraged to learn by doing.

“We encourage kids to take chances with some of these things, because you learn from your mistakes much more than you learn from getting it right the first time,” he said.

When you look at the overall plan for Playland, we’re like one of the anchor stores in the mall.

—Tracy Kay

Executive Director Tracy Kay at the door to the Westchester Children’s Museum at Playland in Rye.

In 2013, after 13 years of operating various programs out of 16 different facilities, the Westchester Children’s Museum was approved for a lease by the county’s Board of Acquisition and Contract to have access

to its own space at 100 Playland Parkway.

After seasonal openings in the summers of 2014 and 2015, the museum completed an approximately $500,000 infrastructure buildout of the 6,500-square-foot eastern portion of the bathhouse. These infrastructure updates, including plumbing and heating, allowed the museum to remain open year round. Nearly 20,000 guests have visited the museum since its opening on March 9.

“It’s just been great to see that after all these years of planning, that people are enjoying the museum the way we thought they would,” Kay said.

Though the museum now has a longterm building to call home, off-site programs are still an important part of its mission. Through its Museum Without Walls program, the Children’s Museum partners with a variety of organizations throughout the county, including community centers, schools, libraries and child care centers, to deliver a range of educational programs from reading and discussing Mother Goose rhymes to building model solar cars to children in need “If you look at Westchester, some people

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say, ‘Does Westchester have a need?’ and there are some extreme pockets of need in Westchester,” Kay said. “It’s even more extreme when you look at the upper end versus the lower end of the scale.”

Since the program began in 2010, the museum has partnered with 50 organizations, including Regeneron and the Greyston Foundation, and engaged more 20,000 children.

The museum purposely buys exhibits that can be transported for their off-site visits, including a set of Keva Planks, small, uniform building planks that are stacked to create wooden structures.

“If you remember things from your school experience, it’s likely the field trips, were the things outside of the normal,” he said. “I’d like this to become normal.”

What visitors see at the Children’s Museum today is only the first phase of what it will one day become. Officials are working to raise funds to back the next phase of the buildout, one that will include renovating the remainder of the bathhouse’s 12,000 square feet, as well as investing another $1.2 million in infrastructure improvements, including air conditioning and additional restrooms.

The expansion will also feature a Climber, a multistory maze that is part jungle gym, part climbing tree that will wind its way through the length of the museum.

“It’s a different way to transport yourself through the museum,” he said.

Once the second phase is finished, focus will shift to the third and final phase of the project, which will include constructing an 84-seat performance theater adjoining the existing bathhouse. That addition is “probably a couple of years down the line,” Kay said.

The renovations will also include adding office and administrative space to the building’s interior, something that will surely rouse the museum’s staff who now work out of a trailer on the north side of the building.

“There is a game plan, and it all comes together with how much money is raised by when and what makes sense,” he said.

Once completed, the museum will encompass 22,000 square feet, with about 18,000 of that total footprint dedicated to exhibit space.

To date, private donors, most of whom are families or individuals, have contributed more than $10 million to the Westchester Children’s Museum.

“Money comes from anywhere we can find it,” Kay said.

Donations have seen an increase since the museum’s opening earlier this year.

“They’re not knocking our doors down, but a lot more people are asking us how can they get involved and how can they help,” he said.

FORDHAM CELEBRATES 40 YEARS IN WESTCHESTER FORDHAM WESTCHESTER RECENTLY CELEBRATED THE Catholic university’s 40th anniversary in Westchester County with a Fall Gratitude Reception at its West Harrison campus. The event also celebrated 175 years of Fordham University in New York City and the centennial of the university’s Graduate School of Education and Graduate School of Social Service.

Westchester County Executive Robert P. Astorino, an alumnus of Fordham University, proclaimed Nov. 10 as Fordham University Westchester Recognition Day in the county.

Ron Belmont, Harrison town supervisor, spoke to more than 150 reception guests about the strong relationship between the town and university and how Fordham’s move to Westchester Avenue from its Marymount campus in 2008 spurred many other businesses to relocate to the area.

Deans of Fordham’s Graduate School of Education, Graduate School of Social Services and School of Professional and Continuing Studies presented community

leadership Awards to 13 professionals with deep connections to the university. The honorees included: • Noelle Beale, regional superintendent, Central Westchester Catholic Schools; • Patricia Langan, principal, Patricia A. DiChiaro School, Yonkers; • Robert Maher, CEO, St. Christopher’s School, Dobbs Ferry; • Arlene Moliterno, clinical professor, of curriculum and teaching, Graduate School of Education; • Sarah Beard, director of clinical services, Lower Naugatuck Valley Parent Child Resource Center; • Polly Kerrigan, senior vice president, Family Services of Westchester; • Kevin McGuire, commissioner, Westchester County Department of Social Services; • Raven Waterman, director of clinical services, Graham Windham; • Eileen Burchell, assistant vice president, Office of the Provost, Fordham University;

• Angie Cercone, director talent team, Ernst and Young, and student affairs subcommittee chairperson, School of Professional and Continuing Studies dean’s advisory board; • Kevin Mahoney, senior vice president for investments, Raymond James, and chairperson of the Professional and Continuing Studies dean’s advisory board; • Karen Parrish, vice president and lead partner, IBM, and subcommittee member of the Professional and Continuing Studies Dean’s advisory board; and • Marc Rosa, wealth management advisor at Merrill Lynch Wealth Management and co-president of the Fordham University Alumni Chapter of Westchester.

The reception also featured a timeline and exhibit highlighting 40 years of Fordham in Westchester.

For more information on Fordham Westchester, visit fordham.edu/info/20395/ westchester_campus.

— John Golden

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B

ential thought leaders in Westchester and Fairfield counties, have included David Brooks, Steve Wozniak and Twyla Tharp.

For more information and to purchase tickets, call 914-323-1277 or visit castleconversations.org.

BRIEFLY

MERCY COLLEGE RECEIVES $1 MILLION FOR SCHOLARSHIPS

NYC RESTAURATEUR TO SPEAK AT MANHATTANVILLE COLLEGE DANNY MEYER, CEO OF UNION SQUARE HOSPITALITY GROUP, will speak at Manhattanville College on Nov. 29 at 8 p.m., capping off the college’s Castle Conversation series for this year.

Since the opening of Union Square Café in 1985, Meyer’s restaurants and chefs have won 28 James Beard Awards. His hospitality group owns a number of New York City eateries, including Gramercy Tavern, Blue Smoke and Jazz Standard.

Other speakers at the Castle Conversation series, which features influ-

MERCY COLLEGE RECEIVED A $1 MILLION GIFT from the Give Something Back Foundation that will be used to fund scholarships that will enable 50 high school students to attend the college at no cost for tuition, fees and room and board.

“There are many dedicated and deserving students in New York who will have a much brighter future thanks to the help of this foundation, and we look forward to the opportunity of welcoming these students to Mercy College,” Mercy College President Tim Hall said.

The Give Something Back Foundation, a Lockport, Illinois-based organization founded by former CEO of Heartland

Payment Systems Robert Carr, provides mentoring and scholarships to qualified students of modest means so they can attend college and graduate debt-free.

The organization will hold informational sessions in New York in order to identify eligible high school ninth-graders as scholarship recipients. The selected students are provided with mentors who advise and help prepare the students to succeed in college. The first group of students could begin at Mercy College as soon as fall of 2020.

For more information about Give Something Back, visit giveback.ngo or email njinfo@GiveBack.ngo.

IONA RECEIVES NSF GRANT FOR STEM SCHOLARS THE NATIONAL SCIENCE FOUNDATION AWARDED IONA COLLEGE a $649,631 grant for scholarships for undergraduate students majoring in chemistry and computer science.

The grant is part of the National Science Foundation’s S-STEM Program aimed at

increasing the number of college students pursuing education and careers in science, technology, engineering and math.

With the award, Iona will create a program called Development of Excellence in Science through Intervention, Resilience, and Enrichment (DESIRE). Through the program, the college will give scholarships to students majoring in chemistry or computer science with financial need and high academic aptitude.

“We hope our program will provide an exemplary model that can be adapted to many other higher education disciplines and demonstrate successful STEM graduates,” said Sunghee Lee, Iona College board of trustees endowed professor and chair of chemistry.

Lubomir Ivanov, a professor of computer science, said the grant represents an outstanding opportunity for select students to achieve success by working closely with faculty members.

“The students will engage in cuttingedge research on faculty-led interdisciplinary projects, which have the potential to further scientific knowledge and to benefit people everywhere,” Ivanov said. “For the S-STEM faculty, the grant presents an excellent opportunity to work with bright students and to be able to influence their academic and professional careers.”

GRANT TO CNR WILL SUPPORT TEACHERS OF ENGLISH LANGUAGE LEARNERS

What will ecome?

Kailyn Smith - ‘17 B.S., Health Science

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THE COLLEGE OF NEW ROCHELLE WAS AWARDED a $2.7 million National Professional Development grant from the U.S. Department of Education to fund a program that will provide advanced education for teachers of students who are learning the English language.

The program, Rigor for the Education of Successful English Language Learners through their Teacher, or RESET, is scheduled to begin in spring of 2017.

“School districts throughout the country are struggling to meet the growing need for certified teachers of English language learners, a need that is particularly acute in the New York area,” said David Donnelly, dean of the the college’s graduate school.

Through the RESET program, The College of New Rochelle will partner with educational agencies and school districts that have high numbers of English language-learning students and a limited number of faculty to serve them. The college has already signed partnership agreements with Southern Westchester Board of Cooperative Educational Services, the Ossining School District and Yonkers Public Schools.

The program is expected to provide full tuition for 50 graduate students annually for the next five years.

For more information about the RESET program, call 914-654-5412.

—Aleesia Forni

JUST ADD ONE PROGRAM EARNS WORKFORCE AWARD JUST ADD ONE, A YEAR-OLD jobs expansion program for small businesses at Westchester Community College that is funded by a grant from the Westchester-Putnam Workforce Development Board, last month received the New York State Workforce Program Award from the New York Association of Training and Employment Professionals.

The award, presented at the organization’s annual conference in Albany, recognized Just Add One for its collaborative approach that enabled organizers to work effectively with The Business Council of Westchester to identify appropriate businesses to enroll in the program as well as do outreach to volunteer coaches.

The 10-week program at WCC was developed in partnership with the two-county workforce board, The Business Council of Westchester and Community Capital New York, an alternative lender for small businesses. Coordinated by the Valhalla college’s Gateway to Entrepreneurship and Professional Development Center offices, Just Add One provides weekly classes and coaches who work one-on-one with owners of growth-stage businesses on strategies to strengthen their business models and operations and make them more efficient with the goal of helping each business grow and add a new employee. Some businesses retained their coaches after the program ended.

Within six months after completing the program, employers reported that a total of 45 employees had been hired, with some companies adding one employee and others multiple employees, according to WCC officials. Added jobs include a graphic designer, sales staff, project managers, office staff, warehouse employees, electricians, hair stylist, video editor, business development coordinator and solar energy system installer.

“We are proud of this recognition for an initiative which truly fits into our mission as a community college,” college President Belinda S. Miles said. “The college prides itself on its involvement in workforce development. The Just Add One project has proven to be a successful team effort.”

Donnovan Beckford, director of the Westchester-Putnam Workforce Development Board, said the initiative “has validated the significant impact that efficiently run small businesses and properly trained entrepreneurs can have in preserving and creating employment opportunities.”

Applications are being accepted for the next Just Add One program that starts in January at WCC businesses. Businesses with a growth goal that enables them to hire at least one employee are eligible. The program cost is $300.

For more information, contact Romina Ganopolsky, of the Westchester Community College, Gateway Center, at 914-606-5685 or romina.ganopolsky@sunywcc.edu.

—John Golden

Jennifer Bonhomme, Relationship Manager, TD Bank; Stephen Moroney, Regional Vice President, TD Bank; Dr. Timothy Hall, President, Mercy College

“The strong support TD Bank gives us is absolutely essential.”

Dr. Timothy L. Hall, President of Mercy College Dr. Timothy L. Hall of Mercy College knows what it takes to run a proud local institution. It takes a community partner who gets to know you, so you get what your business needs. That’s why Mercy College turned to their personal Relationship Manager, Jennifer, and her team at TD Bank to make their new dormitories a reality.

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NOVEMBER 21, 2016

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FINALISTS

DiVERSiTY I N

B U S I N E S S

THE INAUGURAL REGIONAL COMPETITION AND AWARDS PROGRAM

Ntim Abrokwa, We Are Alumnus • Reynold Alabre, H&R BLOCK • Fannie Aleman, Genesis Companies • Katie Banzhaf, STAR, INC., LIGHTING THE WAY • Tyneadrian Bledsoe, Behavioral Solutions NY Inc. and Elite Success Community • Izora Ebron, The Open Door Shelter • Delia Farquharson, Executive Medical Solutions • Lindsay Farrell, The Open Door Family Medical Centers • Jorge Garcia, A Plus Technology and Security Solutions • Danielle Gesualdi, Skanska USA Building • Joan Grangenois-Thomas, JGT Public Relations • Jessica Grossarth, Pullman & Comley, LLC • LaQuita Harris, The WorkPlace Inc. , Platform to Employment & The Retail Career Academy • Wiley Harrison, CPA, The Business of Your Business • Jacqueline Hattar, Wilson Elser • Michelle Hopson, Hopson Consultancy, LLC • Sabrina Hosang, Caribbean Food Delights • Marcia MacNeill, New York Life Insurance Company • Allison Madison, Madison Approach Staffing • Nora Madonick, Arch Street Communications, Inc. (ASC) • Dr. Jackqueline Mclean-Markes, McLeanSmiles • Nelson Merchan, CT Small Business Development Center • Merry Mourouzis, Hiscox Inc. • Agathe Ngo Likoba, Likoba LLC • Dr. Marie O’Connor, NORDIC Cryotherapy • Christopher Oldi, Legal Services of the Hudson Valley • Nickay Piper, Market Grub Media, DigiCampus • Sharon Rowe, Eco-Bags Products, Inc. • Jennifer Ruoff, Irvington Diversity Foundation • Mecca Santana, Westchester Medical Center Health Network • Mona Siu- Kan Lau, Manhattanville School of Business • Jacqueline Vazquez, Lifetime Events by Jacqueline • Chanel Ward, Fairfield University • Jonelle Ward, Alzheimer’s Association • Brandalyn Williams, WillYUM Spice • Evena Williams, Stamford Health • Desiree Wolfe, Webster Bank • Larry Woodard, Graham Stanley Advertising • Joshua Worby, Westchester Philharmonic • Glenn Wu, Tompkins Mahopac Bank

Many cultures, one business community.

If your company advocates and practices diversity — become a partner in getting that message out.

From late December through January, readers will then have an opportunity to select 5 of the finalists to be awarded in the categories of Standard-Bearer, Most Socially Conscious, Most Promising Millennial, Outstanding Entrepreneur and Visionary.

Finalists will be profiled in a special section to be published Dec. 19 • These will be awarded at an event in April.

westfaironline.com/celebratingdiversity To find out more about sponsorships, please call 914-694-3600.

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WESTCHESTER & FAIRFIELD COUNTY

BUSINESS JOURNALS

FACTS & FIGURES BANKRUPTCIES MANHATTAN Almonte Cab Corp. 420 W. 206 St., Apt. 6B, New York 10034. Chapter 7, voluntary. Represented by Irene M. Costello. Filed: Nov. 11. Case no. 1613141-scc.

Brooklyn Carpet Exchange Inc. Formerly located at 7 W. 36 St., New York 10018. Chapter 7, voluntary. Represented by Donald W. Clarke. Filed: Nov. 10. Case no. 16-13123-scc.

Choxi.com Inc. 381 Park Avenue South, New York 10016. Chapter 7, voluntary. Represented by Choxi.com Inc. Filed: Nov. 10. Case no. 16-13131-scc.

K&H Restaurant Inc. 511 Lexington Ave., New York 10017. Chapter 11, voluntary. Represented by Gabriel Del Virginia. Filed: Nov. 13. Case no. 1613151-mkv.

Madison Maidens Inc. 135 Madison Ave., New York 10016. Chapter 11, voluntary. Represented by Matthew J. Gold. Filed: Nov. 10. Case no. 16-13130smb.

Red Bull Taxi Inc. 25 E. 86 St., Apt. 9F, New York 10028. Chapter 11, voluntary. Represented by Brett S. Moore.

Filed: Nov. 14. Case no. 16-13153-mkv.

Taocon Inc. 244 Fifth Ave., New York 10001. Chapter 7, voluntary. Represented by Tracy L. Klestadt. Filed: Nov. 16. Case no. 16-13190.

Yoga Smoga Inc. 15 Broad St., New York 10005. Chapter 7, voluntary. Represented by Yoga Smoga Inc. Filed: Nov. 14. Case no. 16-13159-mew.

POUGHKEEPSIE The Potter House Inc. 54 Noxon St., Poughkeepsie 12601. Chapter 11, voluntary. Represented by Thomas Genova. Filed: Nov. 16. Case no. 1636948-cgm.

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

WHITE PLAINS R.J. Hyland Inc. 200 Hamilton Ave., Suite 28B, White Plains 10601. Chapter 11, voluntary. Represented by Anne J. Penachio. Filed: Nov. 13. Case no. 1623567-rdd.

Y&M Estates Corp. P.O. Box 342, Monsey 10952. Chapter 7, voluntary.

Represented by Y&M Estates Corp.

Filed: Nov. 10. Case no. 16-23549-rdd.

COURT CASES Anthony Sciccitano Italian Pork Store of Jeffrey Valley Inc. Filed by Charles Cerbone. Action: job discrimination (sexual harassment). Attorney: Marjoe Mesidor and Brittany Alexandra Stevens. Filed: Nov. 9. Case no.

7:16-cv-08688-VB. Armonk Bristal LLC et al. Filed by John Kobeck. Action: Fair Labor Standards Act. Attorney: C.K. Lee. Filed: Nov. 11. Case no. 7:16-cv-08770-VB.

ON THE RECORD

Luzon Oil Co. Inc. et al. Filed by John J. Wagner. Action: diversity-tort/ nonmotor vehicle. Attorney: Thomas Atkinson Combs. Filed: Nov. 10. Case no. 7:16-cv-08758.

Laurel Ridge Development Inc., South Salem. Seller: Smith Ridge Housing LLC, Larchmont. Property: Boulder Ridge, Lewisboro. Amount: $3.7 million. Filed Nov. 10.

Tech Guru LLC. Filed by TechGuru Consultants Inc. Action: trademark infringement (Lanham Law). Attorneys: Joseph Lipari and Jason P. Sultzer. Filed: Nov. 11. Case no. 7:16-cv08777-CS.

Sanded Wood Properties LLC, New York City. Seller: TBF Weaver LDC, Nassau, the Bahamas. Property: 707 Weaver St., New Rochelle.

Amount: $2.1 million. Filed Nov. 14.

Walmart Stores East LP. Filed by Cindy Holmes. Action: diversity–notice of removal. Attorney not listed.

Filed: Nov. 15. Case no. 7:16-cv-08846NSR.

Below $1 million

Walmart Stores East LP. Filed

by Darlene Melanson-Olimpio and Michael Olimpio. Action: diversity: notice of removal. Attorney: Patricia A. O’Connor. Filed: Nov. 10. Case no.

7:16-cv-08735.

DEEDS

Board of Education of the Harrison Central School District. Filed

by William McCoy and Donna McCoy. Action: IDEA– challenge decision re-education for handicapped. Attorneys: Gina Marie DeCrescenzo and Benjamin Jay Hinerfeld. Filed: Nov. 10.

Case no. 7:16-cv-08732.

Above $1 million

Boulder Brook Stables LLC et al.

Filed by Sadrac Abednego Monge Gomez and Elias Enoc Monge Gomez.

Action: denial of overtime compensation. Attorney: Neil H. Greenberg.

Filed: Nov. 10. Case no. 7:16-cv-08734.

14 Highland Ave LLC, Great Neck.

Seller: United 14 Highland Fee Trust, New York City. Property: 14 Highland Ave., Yonkers. Amount: $2.8 million.

Filed Nov. 14.

Brian Painting Corp. Filed by the trustees of the District Council 9 Painting Industry Insurance and Annuity Funds. Action: E.R.I.S.A.: delinquent contributions. Attorney: Dana Lynne Henke. Filed: Nov. 15. Case no. 7:16-cv08844-KMK. Carson Smithfield LLC. Filed by Jacqueline C. Grey. Action: Fair Debt Collection Act. Attorney: Dan Shaked.

Filed: Nov. 15. Case no. 7:16-cv-08843KMK. Church & Dwight Co. Inc. et al.

Filed by Lisa Corbett, Laura Kasiotis and Jennifer O’Neill. Action: diversitydeceptive trade practices. Attorneys: Myles Keough Bartley, Robert Jeffrey Berg and Jeffrey I. Carton. Filed: Nov. 9. Case no. 7:16-cv-08687-KMK. Duro Textiles LLC. Filed by the trustees of The Amalgamated National Health Fund. Action: E.R.I.S.A. – delinquent contributions. Attorney: David C. Sapp Jr. Filed: Nov. 14. Case no. 7:16-cv-08767-CS. First Rate Solutions Inc. Filed by Alexander Wild. Action: remedies for copyright infringement. Attorney: Rayminh L. Ngo. Filed: Nov. 15. Case no. 7:16-cv-08881-NSR.

110 Portman Road LLC, White Plains. Seller: 28 Valley Association, New Rochelle. Property: 110 Portman Road, New Rochelle. Amount: $2 million. Filed Nov. 7.

31 Rosemere LLC, Rye. Seller: Leslie Moore, Rye. Property: 470 Park Ave., Rye. Amount: $1.5 million. Filed Nov. 14.

7 Sunset Owners LLC, Rye. Seller: Catherine B. Burke, Rye. Property: 7 Sunset Lane, Rye. Amount: $3 million.

Filed Nov. 14.

American Equity Partners I LLC, et al, Woodmere. Seller: AT&T Corp., Bedminster, N.J. Property: 440 Hamilton Ave., White Plains. Amount: $18 million. Filed Nov. 10.

Cornerstone Ardsley LLC, Coram.

Seller: John Bobolakis, et al, Scarsdale.

Property: 800 Saw Mill River Road, Greenburgh. Amount: $1.2 million.

Filed Nov. 14.

Deutsche Bank National Trust Co. Seller: Joseph Goubeaud Jr., Mount Vernon. Property: 28 Brae Burn Drive, Harrison. Amount: $1.6 million. Filed Nov. 10.

HH Stonehouse Office LLC, Greenwich, Conn. Seller: Tarrytown Resources LLC, Tarrytown. Property: 127 W. Main St., Suite E, Greenburgh.

Amount: $1.4 million. Filed Nov. 10.

10 Celli Place Corp., Brooklyn. Seller: Roland Nicolari Tile Importers Inc., Hopewell Junction. Property: 10 Celli Place, Yonkers. Amount: $320,000.

Filed Nov. 7.

City of Yonkers, Yonkers. Seller: City of Yonkers. Property: 26 Fegan Street Rear, Yonkers. Amount: $438,714. Filed Nov. 14.

City of Yonkers, Yonkers. Seller: City of Yonkers. Property: 50 Ravine Ave., Yonkers. Amount: $283,312.

Filed Nov. 14.

County of Westchester, White Plains. Seller: Michael D. Anzovino, Port Chester. Property: 3271 Lincoln Drive, Yorktown. Amount: $300,000.

Filed Nov. 14.

Detailed Oriented Contractors LLC, Mount Vernon. Seller: City of Mount Vernon. Property: 460 S. Second Ave., Mount Vernon. Amount: $142,988. Filed Nov. 14.

80-82 South Regent Street Realty LLC, Port Chester. Seller: Westmore Day Care Associates, Greenwich, Conn. Property: 82 S. Regent St., Rye. Amount: $525,000. Filed Nov. 9.

Deutsche Bank National Trust Co. Seller: Albert Cornachio, Rye Brook.

Property: 23 Cliffside Lane, Bedford.

Amount: $708,439. Filed Nov. 9.

905 Nepperhan Ave Realty Corp., Yonkers. Seller: Harry J. Shaefer, Yonkers. Property: 905 Nepperhan Ave., Yonkers. Amount: $175,000. Filed Nov. 7.

DRZ United Group NY LLC, New York City. Seller: Ryan Scott Karben, Pomona. Property: 3 Carlisle Place, Yonkers. Amount: $59,251. Filed Nov. 9.

Advantage Equities LLC, Laguna Hills, Calif. Seller: Carlos I. Collazos, Ossining. Property: 121 Spring St., Ossining. Amount: $150,000. Filed Nov. 10.

Fannie Mae. Seller: Jeffery S. Shumejda, Sleepy Hollow. Property: 281 Somerstown Road, Yorktown. Amount: $747,236. Filed Nov. 14.

Alfalahi LLC, New Rochelle. Seller: El and A Realty LLC, New Rochelle.

Property: 17 Overman Place, New Rochelle. Amount: $340,000. Filed Nov. 7.

Fannie Mae. Seller: Joseph A. Maria, White Plains. Property: 834 John St., Peekskill. Amount: $216,500. Filed Nov. 14.

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Federal National Mortgage Association. Seller: Daniel S. Finger, White Plains. Property: 100 Lake Ave., Yonkers. Amount: $345,423. Filed Nov. 10.

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Beal Bank. Seller: Michelle Lynn Bermel, Chappaqua. Property: 58 Central Ave., Greenburgh. Amount: $577,711.

Filed Nov. 10.

Biggest Fish Westchester LLC, Yonkers. Seller: Elide Management LLC, Eastchester. Property: 397 Columbus Ave., Eastchester. Amount: $750,000. Filed Nov. 14.

C2GRE LLC, White Plains. Seller: Stanley E. Esposito, Pleasantville.

Property: 230 S. Greeley Ave., Mount Pleasant. Amount: $565,000. Filed Nov. 14.

Federal National Mortgage Association. Seller: Public Administrator of Westchester County, Yonkers. Property: 2677 Amawalk Road, Somers. Amount: $724,537. Filed Nov. 14.

HSBC Bank USA N.A. Seller: James Meyer, Pleasantville. Property: 37 Harbor Lane, 2C, New Rochelle. Amount: $352,453. Filed Nov. 14.

CIT Bank N.A. Seller: Edrigson Elliot, et al, New Rochelle. Property: 82 Petersville Road, New Rochelle. Amount: $544,973. Filed Nov. 9.

IYH Mount Vernon LLC, Great Neck. Seller: First Garden Properties LLC, Chicago, Ill. Property: 756 S. Fifth Ave., Mount Vernon. Amount: $725,000. Filed Nov. 14.

CIT Bank N.A. Seller: Gerald Tucker, et al, Mount Vernon. Property: 26 Magnolia Ave., Mount Vernon. Amount: $595,795. Filed Nov. 7.

LNI Industries Inc., Croton-onHudson. Seller: Fannie Mae. Property: 123 N. Highland Place, Cortlandt.

Amount: $325,000. Filed Nov. 14.

City of Yonkers. Seller: Charles Lesnick, Yonkers. Property: 13 Mulberry St., Yonkers. Amount: $364,347. Filed Nov. 7.

Lola Builders Inc., Rockaway Beach. Seller: Wells Fargo Bank N.A. Property: 312 Seventh Avenue South, Mount Vernon. Amount: $24,000.

Filed Nov. 9.

City of Yonkers. Seller: Frank D. Lombardi, Mahopac. Property: 18 Ravine Ave., Yonkers. Amount: $149,438.

Filed Nov. 7.

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NOVEMBER 21, 2016

27

POET LAUREATE NOMINATIONS CLOSING Nominations to be Dutchess County’s 2017 Poet Laureate must be submitted to Arts Mid-Hudson in Poughkeepsie by Nov. 30.

Although nominations may come from individuals or organizations within or outside of Dutchess County, the candidate must have been a Dutchess resident for at least the past two years. Yes, you can nominate yourself merely by submitting an application.

Dutchess County Executive Marcus Molinaro established the poet laureate position this year to honor local outstanding poets, integrate poetry into the community, enrich the education of young people and enhance the county’s position as a cultural center in the Mid-Hudson region.

Molinaro said, “Our vibrant and diverse arts community is such an important part of what makes us ‘distinctly Dutchess.’”

PHELPS AGAIN RECEIVES REHAB CERTIFICATION

Robert Kelly has been serving as the first Dutchess County Poet Laureate. Kelly is a professor at Bard College and was selected from among the 39 individuals nominated.

Whoever is selected as Dutchess County Poet Laureate for next year will shape the unpaid honorary position in his or her own way.

Activities are expected to include appearances at schools and meetings of community groups, a presentation at the county executive’s State of the County Address, meeting the press during the year and maintaining contact with the public by mail, email and/or website.

Full criteria and an online nomination form can be found at artsmidhudson.org/ dutchess-county-poet-laureate. For more information, email Executive Director Linda Marston-Reid at lmr@artsmidhudson.org.

Lori Kendra (left), a cardiac rehabilitation nurse at Phelps, guides a patient as she exercises on a treadmill.

CRAFT BEVERAGE MAKERS JOIN HV FOOD & BEVERAGE ALLIANCE The Hudson Valley Economic Development Corp. (HVEDC) in New Windsor announced that Angry Orchard, one of the most popular hard cider brands in America and five additional craft beverage companies have joined the Hudson Valley Food & Beverage Alliance. In addition to Angry Orchard, the new members are 1857 Spirits/Barber’s Farm Distillery, Applewood Winery, Nahmias et Fils, Hudson Valley Brewery and Taconic Distillery.

The Beverage Alliance brings together foodand beverage-related businesses for economic guidance and sharing marketing resources.

“The Hudson Valley has become a food and tourism destination in large part because of the burgeoning craft beverage industry, which HVEDC has worked hard to boost and nurture through our Alliance initiative,” said Laurence P. Gottlieb, president and CEO of HVEDC. Angry Orchard, the national leader in hard cider, has opened an orchard and the Innovation Cider House in Walden with a self-guided tour and tasting room.

Located in Middleburgh, 1857 Spirits/Barber’s Farm Distillery makes the 1857 Vodka, using potatoes grown on-site. There’s a tasting room at

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Barber’s Farm Road Stand in Middleburgh.

Applewood Winery is located in Orange County’s oldest working farm in Warwick. The winery’s products include Chardonnay, Cabernet Franc, and Riesling, as well as hard cider.

Nahmias et Fils distillery in Yonkers is the sole producer of Mahia in the United States. The traditional Moroccan liquor is distilled from dried figs and flavored with anise seeds. The crystalclear alcohol has traditionally been made by master distiller David Nahmias’ family in Morocco. He now hand crafts it in Yonkers with his wife, Dorit. They also make a craft whiskey from organic rye grown in upstate New York.

The Nahmias’ Mahia is sold in Westchester at Liquorfellers in Yonkers, Rochambeau Wines in Dobbs Ferry and Dylan’s Wine Cellar in Peekskill.

Located on East Main Street in Beacon, the Hudson Valley Brewery is a new player in the craft beer industry. Its first releases are now in production.

Taconic Distillery in Standfordville offers Dutchess Private Reserve Straight Bourbon and Double Barrel Bourbon Whiskey with Maple Syrup.

For the second time, the Cardiovascular Department of Phelps Hospital in Sleepy Hollow has received a three-year certification for its cardiac rehabilitation program from the American Association of Cardiovascular and Pulmonary Rehabilitation (AACVPR). AACVPR-certified programs are recognized as leaders in the field of cardiovascular and pulmonary rehabilitation because they offer the most advanced practices available.

These programs are designed to help people with cardiac problems such as heart attacks and bypass surgery or pulmonary problems such as chronic obstructive pulmonary disease (COPD), recover faster and improve their quality of life. The programs include medically supervised exercise, education, counseling and support for patients and their families.

In order to receive AACVPR certification, Phelps had to provide extensive documentation of its program practices for peer-review designed to assure the programs adhered to standards and guidelines developed by AACVPR and other professional societies.

FUNDRAISING IN ORANGE TO FIGHT CANCER

From left front row, Kimberly Harris, Kate Rampone Banks, Emilie Holloran, Victoria Nichols, Kimberly Roscino Dando, Douglas Holloran, Claude Mathieu, Dawn Mathieu, Terry Powers Ryther, Kerry Jumper, Duane Lopez, Michelle Thuman, AnneMarie Holloran, Joanne Levine, Patricia Streich and Diana Schaub Osterhout; second row, Jenna Ellison, Sara Ellison, Kara Kuhn, Amber Burris, Jordyn Leonette, Cailey Ryther, Lindsay Dando, Rebecca Lyn Lopez, Kayla Bernstein, Maggie Allen, Anna Yoeman, Charron Klotz, Jackey Hinkson, Chelsi Mitchell and Claire Osterhout.

Newburgh-based Finkelstein & Partners LLP has announced that it raised $3,559 in October for the American Cancer Society’s Making Strides Against Cancer event coordinated locally by Falcon Ridge Equestrian Center located in Walden. This is the seventh year the law firm has participated.

The law firm’s human resources administrator, Anne Marie Holloran, said, “There aren’t many among us who have not been touched by breast cancer in some way, so it’s a really good feeling to be able to make a substantial contribution toward cancer research and future prevention.”

Andrew Finkelstein, the firm’s managing partner, added, “Once again, our employees have demonstrated their commitment to the community in which they live and work by giving of their time and resources to make a difference in the lives of others.”

Some sponsors and contributors included Whispering Pines Site Development, Franco’s Pizza, Johnny’s Pizza, Matson’s Deli, Hannafords of Vails Gate, Palaia Winery, Neighborhood Wine & Spirits, Sherwood Tile, Green Ridge Golf Club, Personalize IT!, Masci & Hale Dentistry, Horse & Rider, Hudson Valley Equine Supply and Falcon Ridge Equestrian Center.

HONORS AT PACE WOMEN’S JUSTICE CENTER EVENT

SCLAFANI NAMED NEW PRESIDENT OF HVHRA

◀◀ PWJC advisory board member Linda Markowitz, left, and WWBA president Susan Edwards Colson. Photo by Margaret Fox Photography.

The Pace Women’s Justice Center (PWJC) honored its four former executive directors and the Westchester Women’s Bar Association (WWBA) during its 25th anniversary gala dinner held at Glen Island Harbour Club in New Rochelle. More than 350 supporters attended the event, which raised almost $150,000.

The funds will be used to help PWJC continue providing free legal services for more than 3,000 victims of domestic violence or elder abuse each year.

PWJC’s Making a Difference award for 2016 was given to WWBA for its support of the justice center. PWJC Executive Director Cindy Kanusher, said, “They have donated hours of their time, provided invaluable guidance as well as having many of their members serve on our board. We couldn’t ask for a

better partner.”

Susan Edwards Colson, president of the WWBA, noted, “Our members have worked side by side with PWJC for many years and we are so pleased with their accomplishments and the wonderful work they do helping victims of domestic violence and elder abuse.”

Also recognized were the four former executive directors of the justice center: Michael Dowd, Vicki Lutz; Susan Pollet and Jane Aoyama-Martin. Kanusher praised the “foresight and initiative over the years” of the former executive directors.

The Oct. 19 gala was co-chaired by two former honorees, White Plains Police Chief Anne FitzSimmons and senior vice president and managing director of Sterling National Bank, Lawrence McElroen.

Dina Sclafani

HARKINS NAMED HR DIRECTOR AT ARROWWOOD

FATHER-SON REAL ESTATE TEAM

David and Kyle Babel

Kyle Babel has joined Babel Realty Inc., founded by his father and offering real estate and legal services from its offices in Eastchester and the Bronx.

David J. Babel says his 25 years of real estate experience will combine with his son’s millennial perspective and marketing background to expand the Babel Realty brand into all areas of the Bronx and Westchester. “Kyle is passionate about real estate and is especially sensitive to people of all ages and backgrounds,” he said.

In addition to being a licensed broker, David Babel is a real estate attorney. His son, who is a graduate of Drexel University, is a licensed real estate salesperson.

Kyle Babel says future growth for Babel Realty will come from serving current clients, developing new ones, enhancing the firm’s brand and continuing to cultivate his listings. “And, as we expand, we plan to recruit more like-minded, caring associates,” he adds.

Lourdes Harkins

writers to teach, collaborate, create and perform and produces events open to the public. EMBARK currently operates exhibition and performance space at 1008 Main St. in Peekskill, and hopes someday to create a new performing arts center housing a professional theater seating at least 500.

The Garrison Art Center features exhibitions, classes for children and five studios, even including a darkroom for film processing and printing. This is the 52nd year it has been in operation.

Lourdes Harkins has been named director of human resources for Doral Arrowwood. The Rye Brook resort is a Benchmark Resorts & Hotels property. No stranger to Westchester, Harkins previously worked at the Tarrytown Estate and Conference Center as area director of human resources for Destinations Hotels & Resorts.

In announcing the appointment, Mike McNeill, Benchmark’s general manager, said, “She brings important knowledge of human resources within the resort environment to our property, as well as a keen understanding of our market.”

Harkins has been working in human resources management for 22 years. She received a BA in business from the College of Mount Saint Vincent in Riverdale, and currently lives in New York City.

SABO NAMED PRESIDENT OF LAW ENFORCEMENT GROUP

GARRISON ART CENTER’S NEW DIRECTOR Katie Schmidt Feder of Yorktown Heights has been named the new executive director of the Garrison Art Center.

After moving from Brooklyn to Peekskill in 2003, she served as director, designer and teaching artist in many studios and schools throughout the Hudson Valley. For the past five years, she’s been executive director of EMBARK Peekskill, a performing and literary arts organization of which she is also the co-founder. EMBARK provides space for artists and

Dina Sclafani, manager of talent management at the Elizabeth Seton Pediatric Center in Yonkers, has been named president of the Hudson Valley Healthcare Recruitment Association (HVHRA), which is a chapter of the National Association for Health Care Recruitment (NAHCR) and covers Westchester, Rockland, Putnam, Dutchess and Orange Counties. She succeeds Gail L. Kronenwett, who has served as president since February 2007.

Sclafani explained, “As a Chapter Affiliate of the NAHCR, the HVHRA serves as a professional network amongst our peers and colleagues across the Hudson Valley where, together, we can share current trends and successes in health care recruitment best practices.”

Sclafani has been a member of the HVHRA since 2011 and began working at the 137-bed Elizabeth Seaton Pediatric Center in September 2013.

Arlene Sabo

Arlene Sabo, director of safety and security at Vassar College in Poughkeepsie, has been named president of New York Women in Law Enforcement (NYWLE), the only organization in New York state dedicated to women in the criminal justice field. In addition to promoting training and education, the organization develops community service projects to enhance positive relations between citizens and police.

The interim president of Vassar, Jonathan Chenette, said, “Vassar College has benefited greatly from her wise and compassionate leadership. She is an excellent choice for NYWLE and will no doubt serve admirably as its president.”

Before joining Vassar in 2015, Sabo was chief of University Police at SUNY Plattsburgh. In addition to graduate study at SUNY Plattsburgh, she earned executive police leadership certification from the FBI National Academy.

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NOVEMBER 21, 2016

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FACTS Palmer-Petersville Leopold LP, et al, New York City. Seller: The People of the State of New York, Albany. Property: Adjoining 2425 Palmer Ave., New Rochelle. Amount: $496,001. Filed Nov. 14.

Quarropas LLC, White Plains.

Seller: Marianne Koch, et al, Greenwood Lake. Property: 28 Evarts Ave., Greenburgh. Amount: $338,000.

Filed Nov. 10.

The Residence NR LLC, New Rochelle. Seller: John R. Pavlik, New Rochelle. Property: 15 Burling Lane, New Rochelle. Amount: $450,000. Filed Nov. 14.

U.S. Bank N.A. Seller: Leonard Cannavo, New City. Property: 43 Oak St., Rye. Amount: $592,015. Filed Nov. 9.

Weichert Workforce Mobility Inc., Morris Plains, N.J. Seller: Stephen J. Hensel, et al, North Salem. Property: 10 Park Lane, North Salem. Amount: $515,000. Filed Nov. 7.

Winsted REO LLC, New York City.

Seller: Daniel P. Romano, Yonkers.

Property: 212 Lee Ave., Yonkers.

Amount: $400,000. Filed Nov. 7.

FORECLOSURES BEDFORD, 20 Hook Road. Singlefamily residence; lot size: 3.22 acre.

Plaintiff: MNH SUB I LLC. Plaintiff’s attorney: Knuckles, Komosinski & Elliot, 914-345-3020; 565 Taxter Road, Suite 509, Elmsford 10523. Defendant: Michele Foley. Referee: Camille Allen.

Sale: Dec. 9, 9 a.m. Approximate lien: $354,094.63.

CORTLANDT MANOR, 1 Robbie Road. Single-family residence; lot size: .37 acre. Plaintiff: Deutsche Bank National Trust Co. Plaintiff’s attorney: Leopold & Associates PLLC, 914-2195787; 80 Business Park Drive, Armonk 10504. Defendant: Daniel Murtha. Referee: John Sarcone III. Sale: Nov. 29, 10 a.m. Approximate lien: $702,555.16.

ELMSFORD, 31 N. Perkins Ave. Two-family residence; lot size: .11 acre. Plaintiff: Champion Mortgage Co. Plaintiff’s attorney: Frenkel, Lambert, Weiss, Weissman & Gordon, 631-969-3100; 53 Gibson St., Bay Shore 11706. Defendant: Public Administrator for the Estate of Margaret Mainiero. Referee: Andrew Brotmann. Sale: Dec. 8, 10:15 a.m. Approximate lien: $319,818.59.

LARCHMONT, 15 Holy Place. Single-family residence; lot size: .14 acre.

Plaintiff: Bank of America National Association. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Jeffrey Porter. Referee: Carla Glassman. Sale: Dec. 5, 11 a.m. Approximate lien: $395,062.06.

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NOVEMBER 21, 2016

MAMARONECK, 404 Maple Ave. Single-family residence; lot size: .11 acre. Plaintiff: The Bank of New York Mellon. Plaintiff’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: Anthony DeCioccio. Referee: Robin Dale Carten. Sale: Nov. 30, 9:30 a.m. Approximate lien: $340,673.62.

MONROE, 554 Route 17M. Description: N/A; lot size: N/A. Plaintiff: RCN Capital Funding LLC. Plaintiff’s attorney: Lawrence & Walsh PC, 516538-2400; 215 Hilton Ave., Hempstead 11551. Defendant: Big M. Center LLC. Referee: Ralph Beisner. Sale: Nov. 29, 10:30 a.m. Approximate lien: N/A. MOUNT VERNON, 26 W. Fifth St. Two-family residence; lot size: .11 acre.

Plaintiff: HSBC Bank USA National Association. Plaintiff’s attorney: Clarfield Okon Salomone & Pincus, 561-7131400; 425 RXR Plaza, Uniondale 11556.

Defendant: Montclair Mullings. Referee: Anthony Pieragostini. Sale: Dec. 2, 11 a.m. Approximate lien: $397,821.29.

MOUNT VERNON, 121 N. Ninth Ave. Two-family residence; lot size: .06 acre. Plaintiff: Pennymac Holdings LLC. Plaintiff’s attorney: Frenkel, Lambert, Weiss, Weisman & Gordon, 631-969-3100; 53 Gibson St., Bay Shore 11706. Defendant: Sunnee Indranak.

Referee: Massimo DiFabio. Sale: Nov. 28, 10 a.m. Approximate lien: $436,191.75.

OSSINING, 13 Gates Ave. Two-family residence; lot size: .13 acre. Plaintiff: U.S. Bank National Association.

Plaintiff’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: Amy Kuschatka. Referee: John Perone. Sale: Nov. 30, 9:30 a.m. Approximate lien: $294,100.76.

OSSINING, 65 N. Malcolm St. Single-family residence; lot size: .12 acre. Plaintiff: Deutsche Bank National Trust Co. Plaintiff’s attorney: Leopold & Associates PLLC, 914-219-5787; 80 Business Park Drive, Armonk 10504.

Defendant: Alex Arrevillaga. Referee: Bruce Trent. Sale: Nov. 29, 9 a.m. Approximate lien: $870,245.06.

OSSINING, 755 Kitchawan Road.

Single-family residence; lot size: N/A. Plaintiff: U.S. Bank National Association. Plaintiff’s attorney: Frenkel, Lambert, Weiss, Weisman & Gordon, 631-969-3100; 53 Gibson St., Bay Shore 11706. Defendant: Alina Rosenthal.

Sale: Nov. 21, 9 a.m. Approximate lien: $650,934.94.

SLEEPY HOLLOW, 89 River Front St., Unit 209. Single-family residence; lot size: .05 acre. Plaintiff: The Bank of New York Mellon. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Darcy Holmes. Referee: Jay Hashmall. Sale: Dec. 5, 11:15 a.m. Approximate lien: $1,526,237.86.

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SOMERS, 12 Butler Hill Road. Single-family residence; lot size: .8 acre.

Plaintiff: Wells Fargo Bank National Association. Plaintiff’s attorney: Rosicki & Rosicki & Associates, 845-8971600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: Ellen Keane. Referee: Michele Bermel. Sale: Nov. 30, 9 a.m. Approximate lien: $346,826.12.

SOMERS, 159 Heritage Hills, Apt. B. Condominium; lot size: N/A. Plaintiff: Federal National Mortgage Association. Plaintiff’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254.

Defendant: Licia Mikulicic. Referee: Carl Finger. Sale: Nov. 23, 2 p.m. Approximate lien: $332,303.50.

YONKERS, 11 Jones Place. Threefamily residence; lot size: .05 acre.

Plaintiff: JPMorgan Chase Bank National Association. Plaintiff’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254.

Defendant: Jean Stroach. Referee: Ronald Vincent Zezima. Sale: Nov. 30, 11 a.m. Approximate lien: $93,083.32.

YONKERS, 16 Coronet Road. Single-family residence; lot size: .22 acre.

Plaintiff: Wilmington Savings Fund Society. Plaintiff’s attorney: Knuckles, Komosinski & Elliot, 914-345-3020; 565 Taxter Road, Suite 509, Elmsford 10523. Defendant: Christopher Hernandez. Referee: Edmund Fitzgerald.

Sale: Dec. 9, 10 a.m. Approximate lien: $497,265.20.

YONKERS, 31 Abner Place. Twofamily residence; lot size: .05 acre.

Plaintiff: RCN Capital Funding LLC. Plaintiff’s attorney: Lawrence & Walsh PC, 516-538-2400; 215 Hilton Ave., Hempstead 11551. Defendant: Big M. Center LLC. Referee: Ralph Beisner.

Sale: Nov. 29, 10:30 a.m. Approximate lien: N/A. YONKERS, 111 Hoover Road. Single-family residence; lot size: .09 acre.

Plaintiff: HSBC Bank USA National Association. Plaintiff’s attorney: Clarfield Okon Salomone & Pincus, 561-7131400; 425 RXR Plaza, Uniondale 11556.

Defendant: Kim Traub. Referee: Theodore Brundage. Sale: Nov. 23, 9:30 a.m.

Approximate lien: $492,232.03.

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

Asta, Robert W., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $387,000 affecting property located at 3549 Strang Blvd., Yorktown Heights 10598. Filed July 15.

Borg, Jonathan M., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $622,000 affecting property located at 29 Longview Drive, Scarsdale 10583.

Filed July 25.

FIGURES Borrani, Grace C., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $387,200 affecting property located at 542 Kimball Ave., Yonkers 10704. Filed July 16.

Cotter, Kevin J., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $322,000 affecting property located at 12 Manor Lane, Larchmont 10538.

Filed July 14.

Daly, Peter F., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $658,410 affecting property located at 51 Iroquois Road, Yonkers 10710. Filed July 16.

Evans, Rudolph M., et al. Filed by Lasalle Bank N.A. Action: seeks to foreclose on a mortgage to secure $380,000 affecting property located in White Plains. Filed July 15.

Faust, Kenneth D., as administrator to the estate of Haroldene Faust, et al. Filed by Household Finance Realty Corporation of New York. Action: seeks to foreclose on a mortgage to secure $109,168 affecting property located at 130 Colonial Parkway, Apt. 3J, Yonkers 10710. Filed July 14.

Liburd, Felice, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $252,000 affecting property located at 3498 Lakeside Drive, Yorktown 10547. Filed July 16.

Villafane, Angel, et al. Filed by HomeBridge Financial Services Inc. Action: seeks to foreclose on a mortgage to secure $341,127 affecting property located at 43 Crestview Ave., New Rochelle 10801. Filed July 16.

Llivisaca, Marco, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $495,000 affecting property located at 12 Tompkins Ave., Ossining 10562.

Filed July 15.

Vincent, Stephane, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $588,000 affecting property located at 1001 Palmer Ave., Mamaroneck 10543. Filed July 15.

Marciano, Ricardo, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $460,000 affecting property located at 257 Columbus Ave., Port Chester 10573. Filed July 16.

White, Vinette, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $385,632 affecting property located at 134 S. First Ave., Mount Vernon 10550.

Filed July 16.

Morocho, Hector P., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $520,000 affecting property located at 80 Putnam Ave., Port Chester 10573.

Filed July 14.

Wood, Cynthia, et al. Filed by Mortgage Electronic Registration Systems Inc. Action: seeks to foreclose on a mortgage to secure $155,000 affecting property located at 20 Maple Place, Ossining 10562. Filed July 16.

Papasidero, Salvatore, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $462,500 affecting property located at 28 Wilner Road, Somers 10589.

Filed July 15.

Fray, Dawn, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $363,000 affecting property located at 395 Furnace Dock Road, Cortlandt Manor 10567. Filed July 13.

Parisi, Camille, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $650,000 affecting property located at 2 Old Salem Center Road, North Salem 10560.

Filed July 16.

Gilzeane, Gary, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $432,000 affecting property located at 42 S. High St., Mount Vernon 10550. Filed July 13.

Pierce, Lamont, 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 412 E. Fifth St., Mount Vernon 10553. Filed July 14.

Gross, Carol, as heir at law and next of kin of Rita Gross Nelson, et al. Filed by Urban Financial of America LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 24-26 Horatio St., Yonkers 10710. Filed July 14.

Pinedo, Vincent E., 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 21 Clifton Ave., Yonkers 10705. Filed July 16.

Handler, Eileen, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $631,385 affecting property located at 3154 Douglas Drive, Yorktown Heights 10598.

Filed July 15.

Jarufe, Eduardo A., et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $155,000 affecting property located at 900 Midland Ave., No. 3H, Yonkers.

Filed July 14.

Jeffers, Michelle, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 309 Woodland Hills Road, Unit 309C, White Plains 10603. Filed July 16.

Pitkin, Elvis, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $576,000 affecting property located at 54 Del Rey Drive, Mount Vernon 10552. Filed July 16.

Reyes, Antonio, et al. Filed by Commonwealth United Mortgage. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 7 Charles St., White Plains 10606. Filed July 13.

Sokolof, Myles, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $1.2 million affecting property located at 344 Palmer Lane, Pleasantville 10570.

Filed July 16.

Ventura, Jose D., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $516,000 affecting property located at 69 Portland Place, Yonkers 10701.

Filed July 16.

MECHANIC’S LIENS Dangelo, Dominick, as owner. $3,150 as claimed by A&T Iron Works Inc., New Rochelle. Property: in New Rochelle. Filed Nov. 10.

Jaenike, Elizabeth M., as owner. $5,904 as claimed by Spanish Tiles Ltd., Briarcliff. Property: in Ossining.

Filed Nov. 10.

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

Partnerships The Bnos Z Group, c/o Greenbaum, 25 Rose Hill Ave., New Rochelle 10804, c/o Nyla Greenbaum and Seryl Ritter.

Filed Feb. 5.

Sole Proprietorships Absolute Heat and Repairs, 58 Caryl Ave., basement, Yonkers 10705, c/o Stephen Smith. Filed Feb. 4.

Bikan Consulting, 19 Purdy St., No. 4, Harrison 10528, c/o Nakiba Tuggle.

Filed Feb. 4.

Everything Art Gym, 2141 Crompond Road, Cortlandt Manor 10567, c/o Dana M. Capobianco. Filed Feb. 4.

Fantastik Cleaners, 188 Gramatan Ave., Mount Vernon 10550, c/o Antonio Martinez. Filed Feb. 4.

Honest Cleaning, 855 North St., Peekskill 10566, c/o Carolina Avalo.

Filed Feb. 5.

FACTS Hooked On Pillows, 17 Greenwich Road, Bedford 10506, c/o Kathleen M. Cleary. Filed Feb. 4.

Improve My Home, 718 Shenandoah Ave., Peekskill 10566, c/o Azael Villalta Perez. Filed Feb. 5.

Instant Solutions Services, 169 Voss Ave., Yonkers 10703, c/o Nora I. Delgado. Filed Feb. 4.

John Holm Landscape Design Horticulture, 396 Long Ridge Road, Bedford 10506, c/o John Holm. Filed Feb. 5.

Kean Clean, 307 Fairview Ave., Yorktown 10598, c/o Omar Manzueta.

Filed Feb. 5.

Law Office of Theresa O’Rourke Nugent, 520 White Plains Road, Suite 500, Tarrytown 10591, c/o Theresa O’Rourke Nugent. Filed Feb. 4.

Manuel Maya Landscaping, 191 Willis Ave., Hawthorne 10532, c/o Manuel Maya. Filed Feb. 4.

Mint Property Services NY, P.O. Box 983, Yonkers 10704, c/o Paula Intervallo. Filed Feb. 4.

Packer Tax Prep, 187 Vernon Ave., Yonkers 10704, c/o Anthony R. Packer.

Filed Feb. 4.

PRH Contracting, 390 Route 22, Goldens Bridge 10526, c/o Paul Hintz.

Filed Feb. 5.

Silver Glass Design, 3 Marshall Place, Ossining 10562, c/o Renato Stanisic. Filed Feb. 4.

Theminicook, 400 King St., Chappaqua 10514, c/o Jennifer Cook. Filed Feb. 5.

Ultimate Interior and Design, P.O. Box 388, New Rochelle 10805, c/o Annie Pruss. Filed Feb. 5.

World Lingos, 5 Jean Lane, Hartsdale 10530, c/o Maria Anna Kassomenakis. Filed Feb. 4.

WESTCHESTER PATENTS Analog area speaker panel with precision placement and direction of audio radiation. Patent no.

9,497,545 issued to Martin G. Keen, Cary, N.C.; David B. Lection, Raleigh, N.C.; and John D. Wilson, League City, Texas. Assigned to International Business Machines Corp., Armonk.

Discriminating visual recognition program for digital cameras.

Patent no. 9,497,376 issued to James E. Bostick, Cedar Park, Texas; Hernan A. Cunico, Holly Springs, N.C.; John M. Ganci Jr., Cary, N.C.; and Martin G. Keen, Cary, N.C. Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY

Disk mirroring for personal storage. Patent no. 9,497,266 issued to Pasquale A. Catalano, Newburgh; Casimer M. DeCusatis, Poughkeepsie; Rajaram B. Krishnamurthy, Wappingers Falls; Michael Onghena, Poughquang; and Anuradha Rao, Hopewell Junction. Assigned to International Business Machines Corp., Armonk.

Method and apparatus for cooperative recording. Patent no.

9,497,408 issued to Brian J. Cragun, Rochester, Minn. Assigned to International Business Machines Corp., Armonk.

Modular enclosure elements employing cams forming detent features with latches. Patent no.

9,497,871 issued to Matthew A. Butterbaugh, Rochester, Minn.; Eric A. Eckberg, Rochester, Minn.; Camillo Sassano, Durham, N.C.; Kevin L. Schultz, Raleigh, N.C.; and Scott A. Shurson, Mantorville, inn. Assigned to International Business Machines Corp., Armonk.

On-demand code-version switching. Patent no. 9,497,252 issued to John L. Harter, Cary, N.C. Assigned to International Business Machines Corp., Armonk.

Redistribution of operating environments for the redeployment of grid clients. Patent no. 9,497,295 issued to Robert J. Eggers, Austin, Texas; and Darren C. Douglas, Tucson, Ariz. Assigned to International Business Machines Corp., Armonk.

Runtime grouping of tuples in a streaming application. Patent no.

9,497,250 issued to Michael J. Branson, Rochester, Minn.; Bradford L. Cobb, Cedar Park, Texas; and John M. Santosuosso, Rochester, Minn. Assigned to International Business Machines Corp., Armonk.

Systems and methods for managing sensitive data stored on a wireless computing device. Patent no. 9,497,589 issued to Gene L. Brown, Durham, Conn.; Brendan F. Coffey, Rhinebeck; Christopher Dawson, Arlington, Va.; and Clifford Harris, Cedar Park, Texas. Assigned to International Business Machines Corp., Armonk.

Thermal transfer structure(s) and attachment mechanism(s) facilitating cooling of electronics card(s). Patent no. 9,497,888 issued to Amilcar R. Arvelo, Poughkeepsie; Levi A. Campbell, Poughkeepsie; Michael J. Ellsworth Jr., Poughkeepsie; Eric J. McKeever, Poughkeepsie; and Richard P. Snider, New Paltz. Assigned to International Business Machines Corp., Armonk.

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BUILDING LOANS Above $1 million DBK Development LLC, Monroe, as owner. Lender: Northeast Community Bank, White Plains. Property: 7-A Eahal Court, Monroe 10950. Amount: $2.9 million. Filed Nov. 9.

Below $1 million Catskill Farms Inc., Eldred, as owner. Lender: Jeff Bank, Jeffersonville. Property: in Rochester. Amount: $435,000 Filed Nov. 7.

Equity Homes of New York Inc., Port Jervis, as owner. Lender: Silver Heights Development LLC, Stamford, Conn. Property: 37 Ridgefield Drive, Chester. Amount: $300,000. Filed Nov. 14.

Equity Homes of New York Inc., Port Jervis, as owner. Lender: Silver Heights Development LLC, Stamford, Conn. Property: Rebecca Drive, Wawayanda. Amount: $200,000.

Filed Nov. 14.

Vantage Construction Inc., Newburgh, as owner. Lender: Libertyville Capital Group II LLC, Montgomery.

Property: 15 Suburban Court, New Windsor. Amount: $210,000. Filed Nov. 9.

DEEDS Below $1 million 115 Davis Road LLC, Millbrook. Seller: Robert Charles P. Smith, et al, Pleasant Valley. Property: in Pleasant Valley.

Amount: $390,000. Filed Nov. 10.

15 Storry Hill LLC, Kerhonkson. Seller: Fannie Mae. Property: 15 Storry Hill Road, Kerhonkson 12446. Amount: $160,000. Filed Nov. 9.

188 Quassaick Avenue LLC, Newburgh. Seller: George W. Benninger, et al, Newburgh. Property: in New Windsor. Amount: $285,000. Filed Nov. 10.

21 Mortgage Corp., Knoxville, Tenn. Seller: Angela Garcia McSweeney, Middletown. Property: 110 Wiley St., Maybrook 12543. Amount: $202,042. Filed Nov. 10. st

30 North LLC, Lynbrook. Seller: Vincent Donelon, Bearsville. Property: in Woodstock. Amount: $125,000. Filed Nov. 10.

FIGURES 568 Putnam Avenue LLC, Brooklyn. Seller: Andrew K. Vitek, Newburgh. Property: in Newburgh.

Amount: $250,000. Filed Nov. 14.

713 Smithfield Road Corp., Forest Hills. Seller: Richard Kave, Millerton.

Property: in Northeast. Amount: $175,500. Filed Nov. 10.

Al Twal LLC, Poughkeepsie. Seller: Mary Torpey, et al, Fishkill. Property: 5-B Millholland Drive, Unit 58, Fishkill 12524. Amount: $111,000. Filed Nov. 9.

BSD Shagbark FF LLC, Monsey.

Seller: Mary Ann Gillespie, Charlotte, N.C. Property: 38 Shagbark St., Middletown 10941. Amount: $75,000. Filed Nov. 14.

Castle 2016 LLC, White Plains. Seller: ARNS Inc., Frederiksted, Va. Property: 48 Poplar St., Newburgh 12550.

Amount: $20,100. Filed Nov. 10.

Central Mortgage Co. Seller: Fred W. Schaeffer, Poughkeepsie. Property: 322 Church St., Poughkeepsie 12601.

Amount: $260,500. Filed Nov. 7.

Chimera Lab Studio LLC, Saugerties. Seller: Jane Street Press LLC, Saugerties. Property: in Saugerties.

Amount: $175,000. Filed Nov. 10.

Cromwell Equites, Cornwall-onHudson. Seller: David Rider, New Windsor. Property: 371 Connors Road, Middletown 10940. Amount: $101,000. Filed Nov. 10.

Deutsche Bank National Trust Co. Seller: Jack E. Schachner, Pleasant Valley. Property: 11 Natures Way, Wappingers Falls 12590. Amount: $311,000.

Filed Nov. 10.

Deutsche Bank National Trust Co. Seller: Pamela B. Richardson, Carmel.

Property: 340 Mansion St., Poughkeepsie 12601. Amount: $360,000.

Filed Nov. 9.

Dutchess Fuel Realty LLC, Pleasant Valley. Seller: Marpodco Inc., Millerton. Property: in Millerton.

Amount: $267,000. Filed Nov. 10.

Fannie Mae. Seller: John C. Cappello, Walden. Property: 19 Butler Lane, Rock Tavern 12575. Amount: $449,007.

Filed Nov. 14.

Fannie Mae. Seller: John C. Lopes, Monroe. Property: 188 Scotchtown Collabar Road, Wallkill 10940.

Amount: $736,986. Filed Nov. 10.

Fannie Mae. Seller: Michelle Anderson, Newburgh. Property: 19 Elizabeth Ave., Middletown 10941. Amount: $419,982. Filed Nov. 14.

Farrell Building Company Inc., Bridgehampton. Seller: West Merritt Development Corp., Hopewell Junction. Property: in Fishkill. Amount: $950,000. Filed Nov. 10.

Federal Home Loan Mortgage Corp. Seller: Robert Mark Rametta, Goshen. Property: 103 Renwick St., Newburgh 12550. Amount: $96,454.

Filed Nov. 10.

PROF-2014-S2 Legal Title Trust II. Seller: David L. Russell, Newburgh.

Property: 24 Marple Road, Poughkeepsie 12603. Amount: $176,500.

Filed Nov. 9.

Federal National Mortgage Association. Seller: Ariana J. Antonelli, New Windsor. Property: 3 Crossing Court, Campbell Hall 10916. Amount: $203,175. Filed Nov. 14.

Rose Acceptance Inc., East Lansing, Mich. Seller: Michelle Anderson, Newburgh. Property: 8 Mann Lane, Campbell Hall 10916. Amount: $39,793. Filed Nov. 10.

Federal National Mortgage Association. Seller: David Stephen Cafasso, et al, Kingston. Property: 46 E. Chester Extension, Kingston 12401.

Amount: $186,453. Filed Nov. 8.

Ross Homes of Orange County Inc., Otisville. Seller: Francis Buckley, Shallotte, N.C. Property: in Shawangunk. Amount: $45,800. Filed Nov. 10.

Federal National Mortgage Association. Seller: Luis A. Mercado, et al, New Windsor. Property: 297 Windsor Highway, New Windsor. Amount: $195,062. Filed Nov. 10.

Federal National Mortgage Association. Seller: Tyrone Jackson, et al, Crystal Lake, Ill. Property: in Fishkill.

Amount: $238,500. Filed Nov. 7.

Federal National Mortgage Association. Seller: Yonetta Bancroft, et al, Goshen. Property: 47 S. Miller St., Newburgh 12550. Amount: $116,880.

Filed Nov. 9.

Franconia Real Estate Services Inc., Woodbridge, Va. Seller: Michael J. Driscoll, et al, Monroe. Property: in Monroe. Amount: $385,000. Filed Nov. 9.

Grape Realty LLC, Monroe. Seller: Peter G. Botti, Goshen. Property: 65 Cedar Ave., New Windsor 12553.

Amount: $78,300. Filed Nov. 10.

HSBC Bank USA N.A. Seller: Charles J. Spiegel, Yonkers. Property: 76 Hillside Road, Wappingers Falls 12590.

Amount: $318,500. Filed Nov. 7.

HSBC Bank USA N.A. Seller: Raphael J. Basso, Wappingers Falls. Property: 9 Woodcrest Court, Wappingers Falls 12590. Amount: $444,500. Filed Nov. 9.

Hudson Valley Kingston Development LLC, New York City. Seller: Collmor Inc., Kingston. Property: in Kingston. Amount: $582,500. Filed Nov. 10.

Ivan and Subine Properties LLC, Ellenville. Seller: Fannie Mae. Property: 8872 Route 209, Ellenville 12428.

Amount: $27,500. Filed Nov. 8.

Luvera Properties LLC, Milton.

Seller: Carl M. Appler, et al, Milton.

Property: in Marlborough. Amount: $400,000. Filed Nov. 9.

Millpond Management Inc., Cornwall-on-Hudson. Seller: Michael E. Catania, Newburgh. Property: 10 Wileman Ave., Walden 12586. Amount: $66,000. Filed Nov. 10.

Northern Enterprise NY LLC, Cornwall-on-Hudson. Seller: Purnima Desai, et al, Newburgh. Property: 13 Waterford Circle, Washingtonville 10992. Amount: $160,000. Filed Nov. 9.

Silver Hospitality Group LLC, High Falls. Seller: Richard G. Murphy, High Falls. Property: in Marbletown.

Amount: $550,000. Filed Nov. 7.

Spring Homes LLC, Saugerties. Seller: LNV Corp. Property: 246 Churchland Road, Saugerties 12477. Amount: $106,500. Filed Nov. 8.

The Bank of New York Mellon.

Seller: Benjamin Greenwald, New Windsor. Property: 112 High Point Circle, Newburgh 12550. Amount: $359,928. Filed Nov. 14.

The Bank of New York Mellon.

Seller: Guy T. Parisi, Rye. Property: 11 Paye St., Beacon 12508. Amount: $386,500. Filed Nov. 9.

The Bank of New York Mellon.

Seller: Ryan Karben, Pomona. Property: 61 Oxford Lane, Harriman 10926.

Amount: $499,450. Filed Nov. 14.

TID Realty LLC, Montgomery. Seller: Artmay Holdings LLC, Montgomery. Property: 275 Union St., Montgomery 12549. Amount: $375,000.

Filed Nov. 10.

U.S. Bank N.A. Seller: David L. Russell. Property: in Wallkill. Amount: $568,043. Filed Nov. 9.

U.S. Bank N.A. Seller: Diane P. Foley, Wappingers. Property: 49 Victoria Crossing Road, Pine Plains 12567.

Amount: $284,000. Filed Nov. 10.

U.S. Bank Trust N.A. Seller: John H. Thomas Jr., Walden. Property: 11 Capron St., Walden 12586. Amount: $178,370. Filed Nov. 14.

Upadhyayula LLC, Poughkeepsie.

Seller: Wheeler Hill 6988 LLC, Wappingers Falls. Property: in Fishkill.

Amount: $475,000. Filed Nov. 10.

Vantage Construction Inc., Salisbury Mills. Seller: AllSave Development LLC, Montebello. Property: in New Windsor. Amount: $75,000. Filed Nov. 9.

Wells Fargo Bank N.A. Seller: Estate of Michael Danahy, et al, Cornwallon-Hudson. Property: 108 Denniston Drive, Cornwall-on-Hudson 12518.

Amount: $434,603. Filed Nov. 10.

WCBJ

NOVEMBER 21, 2016

31

FACTS JUDGMENTS 16 Morton Street LLC, et al, New York City. $25,731 in favor of Tectonic Engineering and Surveying Consultants P.C., Mountainville. Filed Nov. 10.

46 River Road Restaurant Inc., Highland. $1,585 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

A. Cleaning Service Inc., Marlboro. $1,402 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Aztlan Lawnscape Inc., Highland. $1,366 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Burgevin Florist LLC, et al, Kingston. $15,504 in favor of Next Wave Enterprises LLC, Miami, Fla. Filed Nov. 10.

C and R Maintenance Inc., Highland. $30,500 in favor of the Workers’ Compensation Board of the State of New York, Albany. Filed Nov. 8.

Marilyn’s Professional Cleaning Co., Unionville. $554 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed March 18.

Maro’s Pizza, Port Ewen. $285 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Pascalene Inc., Spring Glen. $50 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Pat-Mar Management Company Inc., Kingston. $1,025 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Perry Contracting Inc., Kingston. $1,418 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Provenzano’s Distinctive Dwellings Inc., Hurley. $375 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Creative Content Designs Inc., Highland. $1,402 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Shandaken Blackbear Restaurant Group Inc., Phoenicia. $5,678 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Douglas R. Whitaker and Associates Inc., Kingston. $668 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Spencer James Group Inc., Saugerties. $1,418 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Echo 1 Fireproofing Inc., Far Rockaway. $5,085 in favor of Sherwin-Williams Co., Bethlehem, Pa. Filed Nov. 10.

Stafford Landscaping Inc., Marlboro. $14,750 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Guardian Ventures Inc., Ellenville. $1,034 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Jentrip Ltd., Rosendale. $383 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

Therestaurantplaybook.com Inc., Gardiner. $1,464 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

W.E. Bryant’s Inc., Kingston. $692 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

JM Kelc Marine Contractors Corp., New Windsor. $11,263 in favor of E.Tetz and Sons Inc., Middletown.

Filed Nov. 10.

LIS PENDENS

L.J. Marchese Chevrolet Inc., Fort Montgomery. $5,593 in favor of Manning Agency LLC, Wyckoff, N.J. Filed Nov. 10.

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

Luigi Renovations Inc., West Park. $508 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 10.

AC Pizza Group LLC, et al. Filed

by Mid-Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 448 Broadway, Kingston 12401. Filed Nov. 7.

Major Staffing Agency LLC, Middletown. $3,443 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed March 18.

32

NOVEMBER 21, 2016

Alvarez, Nilsa, et al. Filed by OneWest Bank FSB. Action: seeks to foreclose on a mortgage to secure $310,500 affecting property located at 9 Park Road, Salisbury Mills 12577.

Filed May 10.

WCBJ

&

FIGURES

Anderson, Maureen, et al. Filed

by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $189,000 affecting property located at 161 S. Main St., Florida 10921. Filed May 11.

Carter-Moore, Carolyn, et al. Filed

by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $170,000 affecting property located at 41 Richmond Place, Middletown 10940. Filed May 12.

Aquino, John A., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $172,000 affecting property located at 109 Deer Court Drive, Unit 109, Middletown 10940. Filed May 2.

Clausen, Richard D., et al. Filed

by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 31 Lakeside Drive, New Windsor 12553. Filed May 12.

Aurre, Kelly A., et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 6 Pembroke Road, Washingtonville 10992. Filed April 29.

Ayala, Priscilla, et al. Filed by Selene Finance LP. Action: seeks to foreclose on a mortgage to secure $268,543 affecting property located at 57 Old Dutch Hollow Road, Monroe 10950. Filed May 12.

Bailey, Kenneth A. Jr., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $277,000 affecting property located at 2849 Route 44/55, Gardiner 12525.

Filed Nov. 9.

Bergian, Peter, individually and on behalf of the estate of Rochelle Bergian, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $284,000 affecting property located at 18 Canterbury Circle, Washingtonville 10992. Filed May 11.

Bertone, Gregory, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $193,150 affecting property located at 4 Mandalay Drive, Poughkeepsie 12603. Filed Nov. 4.

Billeci, George, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $183,750 affecting property located at 3-5 Ridge Ave., Port Jervis 12771. Filed May 6.

Boyd, Dana, individually and on behalf of the estate of Hubert Boyd, et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $47,600 affecting property located at 25 Pierces Road, Unit 10, Newburgh 12550. Filed May 4.

Calkin, Thomas N., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $134,193 affecting property located at 204 Highland Ave., Middletown 10940. Filed May 4.

Carrero, Nitza, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $264,700 affecting property located at 339 Titusville Road, Poughkeepsie 12603. Filed Nov. 11.

Covington Route 300 LLC, et al.

Filed by Northeast Community Bank.

Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 202 and 204 Iron Forge Lane, New Windsor 12553. Filed May 5.

Covington Route 300 LLC, et al.

Filed by Rhinebeck Bank. Action: seeks to foreclose on a mortgage to secure $1.5 million affecting property located in New Windsor. Filed May 13.

Fitzpatrick, Steven, as administrator, heir, and distributee of the estate of Betty A. O’Rourke, et al.

Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $145,000 affecting property located at 20 Mercer St., Middletown 10940. Filed May 13.

Gell, Paul, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $256,172 affecting property located at 120 Laudaten Way, Warwick 10990.

Filed May 11.

Gessman, Albert Alfons, et al. Filed

by Navy Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $228,000 affecting property located at 66 Feagles Road, Warwick 10990. Filed May 2.

Gillen, Maureen, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $305,600 affecting property located at 27 Eden Road, Harriman 10926.

Filed May 3.

Decker, Paul Gary Jr., et al. Filed

by Wallkill Valley Federal Savings and Loan Association. Action: seeks to foreclose on a mortgage to secure $172,000 affecting property located at 164 Phillies Bridge Road, New Paltz 12561. Filed Nov. 10.

Gillespie, Gail, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $233,750 affecting property located at 104 Borden Road, Walden 12586. Filed May 2.

Deiseroth, Paul A., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $95,000 affecting property located at 15 Continental Road, Cornwall-onHudson 12518. Filed April 29.

Glasscock, Anne M., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $433,750 affecting property located at 32 Wedgewood Lane, Middletown 10940. Filed May 2.

Divitto, Christine, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $169,000 affecting property located in Saugerties.

Filed Nov. 8.

Godinez, Blanca, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $263,840 affecting property located at 690 Jersey Ave., Greenwood Lake 10925. Filed May 13.

England, Tanya, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $199,900 affecting property located at 1110 Whispering Hills, Unit 2, Chester 10918. Filed April 29.

Fabianova, Radomira, et al. Filed

by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $360,000 affecting property located at 118 S. Quaker Hill Road, Pawling 12564. Filed Nov. 7.

Griffith, Adrian F., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $247,000 affecting property located at 24 Crane Road, Middletown 10941. Filed May 4.

Gronner, Eleni, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $256,000 affecting property located at 12 Briarwood Drive, Middletown 10940. Filed May 11.

Finan, James, as executor of the estate of Kathleen M. Black, et al.

Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $274,500 affecting property located at 5 Cannon Drive, New Windsor 12553. Filed April 29.

Henry, Robert, et al. Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $298,709 affecting property located at 55 Bergen Circle, Slate Hill 10973. Filed May 12.

Finch, Laura L., et al. Filed by Citifinancial Co. Action: seeks to foreclose on a mortgage to secure $80,009 affecting property located at 316 Concord Lane, Unit 316, Middletown 10940. Filed May 4.

Hernandez, Manuel, et al. Filed by SRP 2015-1 LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 17 Albert St., Middletown.

Filed April 30.

Hyatt, Yvonne J., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $92,350 affecting property located at 3777 Route 52, East Fishkill 12582. Filed Nov. 9.

Impallaria, James, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $600,000 affecting property located at 7 Eldorado Trail, Monroe 10950. Filed May 9.

Joseph, Bruno A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $230,743 affecting property located at 20 Chadsford Lane, Newburgh 12550.

Filed April 28.

Kanwit, Janet A., et al. Filed by Reverse Mortgage Solutions Inc. Action: seeks to foreclose on a mortgage to secure $423,000 affecting property located at 86 Scenic Hills Drive, Poughkeepsie 12603. Filed Nov. 4.

Kennedy, Michael J., et al. Filed

by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 2069 Route 94, Salisbury Mills 12577. Filed May 5.

Kennedy, Nicholas, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $120,000 affecting property located at 19 Cottage Ave., Newburgh 12550. Filed May 13.

Killough, William E., et al. Filed

by Freedom Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $354,367 affecting property located at 491 Toleman Road, Rock Tavern 12575. Filed May 11.

Klein, Jessica, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $3 million affecting property located at 3 Acoma Road, Tuxedo Park 10987.

Filed May 6.

Knapp, Richard J., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $118,367 affecting property located at 5 Penny Lane, Kerhonkson 12446.

Filed Nov. 9.

Krasinski, Olga, et al. Filed by VFS Lending JV II LLC. Action: seeks to foreclose on a mortgage to secure $81,375 affecting property located at 10 Moonlight Trail, Goshen 10924.

Filed May 6.

Krausz, Esther, et al. Filed by Christiana Trust. Action: seeks to foreclose on a mortgage to secure $332,000 affecting property located at 3 Koritz Court, Unit 301, Monroe 10950. Filed May 13.

Lecastre, Joan, et al. Filed by Federal National Mortgage Association.

Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 307 Wawayanda Ave., Middletown 10940.

Filed May 12.

Lee, April, et al. Filed by Emigrant Bank. Action: seeks to foreclose on a mortgage to secure $168,000 affecting property located at 20 Woodfield Drive, Washingtonville. Filed May 2.

FACTS

&

FIGURES

Lizzul, Christine L., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $175,000 affecting property located at 11 Kimberly Drive, Campbell Hall 10916. Filed May 2.

Morena, Natalia, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $183,750 affecting property located at 323 First St., Newburgh 12550. Filed May 6.

Pauselius, Daniel, 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 406 Saracino, Maybrook 12543. Filed May 3.

Rodriguez, Jessica, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $358,323 affecting property located at 25 Ramblewood Drive, Newburgh 12550. Filed May 6.

Lojewski, Andrzej Sr., et al. Filed

by Polish and Slavic Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $110,000 affecting property located at 221 E. Main St., Port Jervis 12771. Filed May 5.

Mulvaney, William T., et al. Filed

by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $123,978 affecting property located at 94 Prospect Ave., Hamptonburgh 12543. Filed April 28.

Perl, Mordechai, et al. Filed by the State of New York Mortgage Agency.

Action: seeks to foreclose on a mortgage to secure $229,500 affecting property located at 4 Hamburg Way, Monroe 10950. Filed May 10.

Rota, Kenneth G., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $315,000 affecting property located at 124 Upper Wisner Road, Warwick 10990. Filed April 29.

Loparrino, Charles J., et al. Filed

by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $358,001 affecting property located at 151 Burlingham Road, Pine Bush 12566. Filed April 28.

Munoz, Janette L., individually and as surviving spouse of John A. Munoz, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $158,000 affecting property located at 5035 Route 9W, Newburgh 12550.

Filed May 13.

Phillips, John R., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $248,000 affecting property located at 86 Maple Road, Cornwallon-Hudson 12520. Filed May 12.

Safronyuk, Vitaliy, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $196,720 affecting property located at 3411 Whispering Hills, Unit 255, Chester 10918. Filed May 9.

Powell, Barbara A., et al. Filed

by Beneficial Homeowner Service Corp. Action: seeks to foreclose on a mortgage to secure $195,500 affecting property located at 49 Glenwood Road, Monroe 10950. Filed May 3.

Satcher, Craig, et al. Filed by Federal National Mortgage Association.

Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 237 Tompkins Road, Montgomery 12549.

Filed May 12.

Lotz, Edward, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $261,000 affecting property located at 242 Cream St., Hyde Park 12601.

Filed Nov. 4.

Mack, William R., et al. Filed by Capital One N.A. Action: seeks to foreclose on a mortgage to secure $257,500 affecting property located at 10 Dodge Road, Pawling 12564. Filed Nov. 9.

Mackey, Patricia A., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $183,500 affecting property located at 107/109 Goshen Turnpike, Bloomingburg 12721. Filed April 29.

Mancinelli, Ronni, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $356,000 affecting property located at 24 Cuomo Drive, Highland 12528.

Filed Nov. 10.

Mauriello, Mary F., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $669,450 affecting property located at 56 Marie Court, Wappingers Falls 12590. Filed Nov. 10.

McMahon, Patrick, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $323,000 affecting property located at 12 Kerney Ave., Harriman 10926.

Filed May 11.

Miller, Evelyn, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $188,000 affecting property located at 1991 Goshen Turnpike, Middletown 10941. Filed May 2.

Montalvo, Cizabel, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $140,000 affecting property located at 34-A Roe St., Newburgh 12550. Filed May 4.

Morales, Jose, et al. Filed by Hudson Heritage Federal Credit Union. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 50 Brookline Ave., Middletown 10940. Filed May 4.

Murphy, Daniel, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $178,000 affecting property located at 10 Hoffman St., Middletown 10940.

Filed May 10.

Nelson, Louise P., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $242,250 affecting property located at 15 Estrada Road, Woodbury 10917.

Filed April 28.

Newman, Bobby Jr., et al. Filed by Carrington Mortgage Services LLC. Action: seeks to foreclose on a mortgage to secure $203,000 affecting property located at 302 Cloverdale Court, New Windsor 12553. Filed May 3.

Normandin, Christine M., et al.

Filed by PennyMac Holdings LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 168 Beaver Dam Road, Montgomery 12549. Filed April 28.

O’Hanlon, James G., et al. Filed

by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $349,000 affecting property located at 19 Butler Lane, Rock Tavern 12575. Filed May 3.

Ogden, Steven, as heir and distributee of the estate of Gary Ogden, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $239,000 affecting property located at 62 Bergen Circle, Slate Hill 10973. Filed May 10.

Ortiz, Wilson H., et al. Filed by OneWest Bank FSB. Action: seeks to foreclose on a mortgage to secure $236,000 affecting property located at 15-16 Williamsburg Drive, Newburgh 12550. Filed May 2.

Paradise Hill Inc., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $206,250 affecting property located at 27 Paradise Trail, Mountainville 10953. Filed May 10.

Powell, Gwendolyn, et al. Filed

by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $267,452 affecting property located at 27 Holmes St., Poughkeepsie 12601. Filed Nov. 10.

Schmitt, John C., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $270,000 affecting property located at 213 Cardinal Drive, Montgomery 12549. Filed May 10.

Soriano, Suzanne, as executrix of the estate of Salvatore N. Soriano, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $132,000 affecting property located at 106 Adams Drive, Montgomery 12543. Filed May 3.

Stessel, Ari, et al. Filed by OneWest Bank FSB. Action: seeks to foreclose on a mortgage to secure $150,000 affecting property located at 97-99 Linden Ave., Middletown 10940. Filed May 6.

Stuckey, Zedra A., et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $318,170 affecting property located at 19 Avoncroft Lane, Middletown 10940. Filed April 28.

Sunko, Todd, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $243,900 affecting property located at 284 Grand St., Newburgh 12550.

Filed April 28.

Villegas, Eric, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $386,000 affecting property located at 25 Forrester Road, Rock Tavern 12575. Filed May 4.

Volpe, Adrienne, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $333,000 affecting property located at 333 North St., Newburgh 12550. Filed May 12.

Williams, Ray A., et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $309,600 affecting property located at 2 Academy Ave., Cornwall-on-Hudson 12520.

Filed May 10.

Williams, Victoria L., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $128,000 affecting property located at 34 Highway 17, Pine Bush 12566.

Filed May 12.

Tacuri, Juan, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $282,733 affecting property located at 10 DeWindt St., Beacon 12508. Filed Nov. 7.

Yeffeth, Audrey B., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $136,300 affecting property located at 46 Pinehurst Circle, Monroe 10950.

Filed May 12.

Powers, Julie E., et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $213,100 affecting property located at 656 Route 211, Montgomery 12549.

Filed May 9.

Schunk, Charlie, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $288,000 affecting property located at 14 Howard St., Cornwall-on-Hudson. Filed May 2.

Tatavitto, Valerie, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $376,000 affecting property located at 1 Old Sylvan Lake Road, Hopewell Junction 12533. Filed Nov. 9.

Yordan, Alex, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 5 Geoffrey Court, Otisville 10963. Filed April 29.

Quintana, Mercedes, 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 11 Ryan Place, Highland Mills 10930. Filed May 11.

Setterlund, Gloria Coutant, et al.

Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $345,000 affecting property located at 320 Crescent Ave., Clintondale 12515. Filed Nov. 10.

Tecchio, Graziano, et al. Filed by Sovereign Bank N.A. Action: seeks to foreclose on a mortgage to secure $201,600 affecting property located at 67 Miller Lane, Kingston 12401. Filed Nov. 7.

Zeffiro, Sylvester, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $125,000 affecting property located at 66 Wileman Ave., Walden 12586. Filed May 9.

Rabess, Joseph, et al. Filed by First Niagara Bank N.A. Action: seeks to foreclose on a mortgage to secure $45,000 affecting property located at 22 Benkard Ave., Newburgh 12550.

Filed May 4.

Shearin, Eileen C., et al. Filed by JPMC Specialty Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $212,328 affecting property located at 14 Buckingham Drive, Newburgh 12550. Filed May 11.

Thorn, James J., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $195,000 affecting property located at 65 Joshua Drive, Bloomingburg 12721.

Filed April 28.

Ranieri, Paul F. Jr., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $173,000 affecting property located at 6807 Chelsea Cove North, Hopewell Junction 12533. Filed Nov. 7.

Silva, David A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $206,150 affecting property located at 6 Lake Station Road, Warwick 10990.

Filed April 28.

Thornton, William, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $249,975 affecting property located at 161 South St., Middletown 10940. Filed May 5.

Rivera, Carmen, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $138,000 affecting property located at 56 Valley Ave., Walden 12586. Filed May 12.

Simek, Leslie Ann, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $287,413 affecting property located at 12 Karen Drive, Middletown 10940. Filed April 29.

Rivera, Daniel, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $296,235 affecting property located at 116 Prospect Ave., Maybrook 12543.

Filed May 2.

Simoes, Armando, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $135,000 affecting property located at 65 Coach Lane, Newburgh 12550.

Filed May 4.

Unknown heirs of the estate of Warren Goering Jr., et al. Filed

by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $215,000 affecting property located at 2380 Bruynswick Road, Wallkill 12589. Filed Nov. 8.

Rivera, Steve, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $228,000 affecting property located at 106 Christian Lane, Maybrook 12543. Filed May 10.

Smith, Karl, et al. Filed by Hudson Valley Federal Credit Union.

Action: seeks to foreclose on a mortgage to secure $330,000 affecting property located at 272 W. Mombasha Road, Monroe 10950.

Filed May 12.

Valure, Ronald M., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $117,600 affecting property located at 5 Mills Ave., Middletown 10940. Filed April 28.

MECHANIC’S LIENS Fox Run Fulton LLC, as owner. $207,616 as claimed by Nenni Construction Company Inc., Fishkill. Property: 1-60 Campus View Court and 66 Fulton St., Poughkeepsie. Filed Nov. 9.

Marist College, as owner. $1.8 million as claimed by Universal Concrete Products Corp., Stowe, Pa. Property: 3399 North Road, Poughkeepsie. Filed Nov. 7.

Seaman, John Tad II, as owner. $2,275 as claimed by Dutchess Overhead Doors Inc., Poughkeepsie. Property: 175 Taylor Road, Cornwall. Filed Nov. 10.

United Talmudical Academy, as owner. $21,009 as claimed by Schmidt’s Wholesale Inc., Monticello.

Property: 6 Kahan Drive, Kiryas Joel 10949. Filed Nov. 10.

Varela, Juan O., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $154,660 affecting property located at 91 Patio Road, Middletown 10941.

Filed May 13.

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LEGAL NOTICES Classico Bar Cafe, LLC, a domestic LLC, filed with the SSNY on 10/5/16. 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, 887 Midland Ave., Yonkers, NY 10704. General purpose. #60817 Notice of Formation of ACHBANI RESTAURANT MANAGEMENT LLC, LLC Art. Of Org. filed with SSNY on 9/26/2016. 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, 325 NORTH MAIN STREET, PORT CHESTER, NY,10573. Purpose: Restaurant and bar. #60818 Ecobeneficial LLC, a domestic LLC, filed with the SSNY on 9/22/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Kimberly S. Eierman, 2 Deshon Ave., Bronxville, NY 10708. General purpose #60819 NOTICE OF FORMATION OF Glenn Scott Emergency Services, LLC. Arts of Org filed with the Secretary of State of NY (SSNY) on 09/19/2016.

Offc. Loc: WESTCHESTER Cty. SSNY designated agent upon whom process against LLC to principal business address: 485 E. Lincoln Ave #109, Mt. Vernon NY 10552 Purpose: any lawful act or activity #60821 Notice of Formation of Running Brooke LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 6/27/16. Office location: Westchester County.

SSNY designated as agent of LLC upon whom process against it may be served.

SSNY shall mail process to: The LLC, c/o The Morgan Group, 41 West Putnam Ave., Greenwich, CT 06830.

Purpose: any lawful activity. #60822 NOTICE OF FORMATION of Clover Hill Daycare, LLC. Arts. of Org. filed with the Secretary of State of New York (SSNY) on 10/17/2016. Location: Westchester SSNY designated as agent for service of process on LLC. SSNY shall mail a copy of process to: Kevin Clampet, CPA PLLC, 54 Gedney Park Dr, White Plains, NY 10605 Purpose: Any lawful purpose. #60824

Notice of formation of What Creative Media, LLC Arts of Org filed with the Sec of State of NY (SSNY) on 9/27/16. Office location: Westchester County.

SSNY has designated as agent for service of Process. SSNY shall mail service to: Registered Agents Inc., 90 State Street, Suite 700, Office 40, Albany, NY 12207. Purpose: any lawful activity #60825 Hair to Stay NY, LLC, Articles of Organization filed with Secretary of State of New York (SSNY) on 10/12/16. Office located in Westchester County.

Secretary of State designated as agent upon which process may be served. Secretary of State shall mail a copy of any process against it served upon him/her to: 75 N. Saw Mill River Road, Elmsford, NY 10523.

LLC may engage in any lawful act or activity for which a limited liability company may be formed. #60826 Notice of Formation of Promenade Yonkers LLC. Arts. of Org. filed with SSNY on 7/29/2016. Office location: Westchester Co. SSNY has been designated for service of process and shall mail a copy of any process served against the LLC to 62 Buena Vista Ave., Yonkers, NY 10701. Purpose: any lawful act or activity. #60827 Notice of Formation of HH Stonehouse Office LLC. Arts. of Org. filed with SSNY on 9/9/2016. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to Corporation Service Company, 80 State Street, Albany, New York 12207-2543.

Purpose: any lawful act or activity. #60828 Name of Formation of Searle Advisors, LLC. Arts of Org. filed with SSNY on 6/29/16. Office location: Westchester County.

SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: any lawful purpose. #60829 Bakal Law PLLC, a domestic PLLC, Arts. of Org. filed with the SSNY on 10/19/16. Office location: Westchester County.

SSNY is designated as agent upon whom process against the PLLC may be served.

SSNY shall mail process to The PLLC, 22 Cottontail Trl., Upper Saddle River, NJ 07458.

Purpose: Law. #60830 Notice of formation of VZ5, LLC or Org. filed with SSNY on 9/26/2016. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to Jonathan Vasquez, 165 Woodland Ave, 2nd fl, New Rochelle, NY 10805. Purpose: any lawful act or activity. #60831

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Butterhill Bakery LLC, a domestic LLC, filed with the SSNY on 10/21/2016. 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, 21 Lakeview Ave., Sleepy Hollow, NY 10591. General purpose. #60832 MOMA DEVELOPMENT, LLC, a domestic LLC, Arts. of Org. filed with the SSNY on 10/19/2016. Office location: Westchester. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Pamela Nodiff, 1170 Greacen Point Rd., Mamaroneck, NY 10543.

General Purpose #60833 Notice of Formation of Lovely Event Planning, LLC Art. Of Org. filed with SSNY on 7/29/2016. 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. #60834 PROFESSIONAL PET PAL, LLC. Filed 9/15/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 11 Bryant Crscnt, #2F, White Plains, NY 10605 Purpose: all lawful #60837 ACE RE LLC. Filed 8/31/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 178 Clarence Rd Scarsdale, NY 10583 Purpose: all lawful #60838 SKY MEADOW FARM LLC. Filed 10/17/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St, #204, White Plains, NY 10601 Purpose: all lawful #60839 BMG CONSULTING GROUP LLC. Filed 10/17/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St, #204, White Plains, NY 10601 Purpose: all lawful #60840 SCOTT CONSULTANTS II LLC. Filed 9/7/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St, #204, White Plains, NY 10601 Purpose: all lawful #60841 43 MIDDLE POND ROAD ASSOCIATES LLC. Filed 9/28/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St, #204, White Plains, NY 10601 Purpose: all lawful #60842

BEECHWOOD 5 ASSOCIATES LLC. Filed 10/5/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St, #204, White Plains, NY 10601 Purpose: all lawful #60843 Notice of Formation of G Hardscape LLC Arts. of Org. filed with SSNY on 10/31/2016.

Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to 65 Pine Avenue, Ossining, NY 10562 Purpose: any lawful act or activity. #60844 Notice of Formation of OneL Consulting LLC Art. of Org. filed with SSNY on 9/30/16.

Offc. Loc: Westchester Cty. SSNY design. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 8 Applegate Way, Ossining, NY 10562. Purpose: any lawful purpose. #60845 Notice of Formation of Domanic Guzman LMT, LLC Art. Of Org. filed with SSNY on 7/18/16. 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, One City Place #1106 White Plains, NY 10601. Purpose: any lawful purpose. #60846 CJ of Peekskill, LLC, Art. of Org. filed w/SSNY on 8/08/16.

Offc. Loc: Westchester Co. SSNY designated as agent upon which process may be served. SSNY shall mail process to LLC, 923 Saw Mill River Road, Ste 218, Ardsley, NY 10502. Purpose: any lawful purpose. #60847 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: THERAQUEST LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 10/25/2016. 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 the process to: The LLC, 444 E Boston Post Road, Mamaroneck, New York 10543, principle business location of the LLC. Purpose: any lawful business activity. #60848 THE ANNUAL RETURN OF THE SPIRITUS GLADIUS FOUNDATION for the fiscal year ended August 31, 2016 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 DONALD E. HANDELMAN. #60849

Vanessa & Lauren LLC, a domestic LLC, filed with the SSNY on 10/28/16. 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, 160 Davis Ave., White Plains, NY 10605. General purpose. #60850 Mako Consulting LLC, a domestic LLC, filed with the SSNY on 8/8/16. Office location: Westchester County.

SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Mark Lonnegren, 85 Drake Smith Ln., Rye, NY 10580. General purpose. #60851 Notice of formation of Liane Douglas, Licensed Behavior Analyst, PLLC. Arts. Of Org. filed with SSNY on 9/2/16.

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, P O Box 93, Waccabuc, NY 10597. Purpose: For the practice of Applied Behavior Analysis #60853 360 Bradhurst Ave LLC, a domestic LLC, filed with the SSNY on 11/8/16. 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, 76 Kathwood Rd., Yonkers, NY 10710. General purpose. #60854 JAMY Holdings LLC. Date of filing Articles of Organization with the Secretary of State (SSNY) 11/03/2016. The LLC is located in Westchester County. Rocket Lawyer has been designated as agent of the LLC upon whom process against it may be served. The post office address to which the SSNY shall mail a copy of any process against it served is to the principal business location at c/o Rocket Lawyer, 1967 Wehrle Drive, Suite 1-086, Buffalo, NY 14221. Purpose of business of LLC is any lawful act or activity. #60855 Bellwether Consulting, LLC. Art. of Org. filed w/ SSNY 9/15/16. Office in Westchester Co. SSNY designated for service of process and shall mail to: The LLC, 22 Wilson Dr, New Rochelle, NY 10801. Purpose: Any lawful activity #60856

NOTICE OF ANNUAL REPORT - Notice is hereby given that the 2015 report for the year ending December 31, 2015, of the Gregory and Vera Kiernan Foundation is available for inspection at its principal office, 191 King Street,Chappaqua, New York 10514, during regular business hours by any citizen who requests it within 180 days after the date of this publication. The Foundationís principal manager is Gregory Kiernan, trustee, 914-861-9222. #60857 NOTICE OF ANNUAL REPORT - Notice is hereby given that the 2015 report for the yearending December 31, 2015 of the Hettinger Foundation is available for inspection at its principal office, 287 King Street, Chappaqua, New York 10514 during regular, business hours by any citizen who requests it within 180 days after the date of this publication. The Foundationís principal manager is William R. Hettinger, Trustee, 914-2383800. #60858 NOTICE OF ANNUAL REPORT - Notice is hereby given that the 2015 report for the year ending December 31, 2015, of the The Meyer Foundation is available for inspection at its principal office, c/o Bruce Oberfest & Associates, P.O. Box 318, Chappaqua, New York 10514, during regular business hours by any citizen who requests it within 180 days after the date of this publication. The Foundationís principal manager is Bruce Oberfest, 914-238-3800. #60859 Notice of Application for Authority (AA) for Van Meter, LLC (LLC) to do business in New York. AA filed with the Secretary of State (SSNY) on 5/17/16. LLC formed in VA on 6/11/09. Office located in Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY to mail a copy of process to LLCís principle office at 450 Milton Rd Rye, NY 10580. Copies of Cert. of Org. of LLC may be obtained from SCC of VA, P.O. Box 1197 Richmond, VA 23218. Purpose of business of LLC is any lawful act or activity. #60860 Notice of Application for Authority (AA) for West Ghent Studio, LLC (LLC) to do business in New York. AA filed with the Secretary of State (SSNY) on 9/13/16. LLC formed in VA on 1/11/13. Office located in Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY to mail a copy of process to LLCís principle office at 450 Milton Rd Rye, NY 10580. Copies of Certif. of Org. of LLC may be obtained from SCC of VA, P.O. Box 1197 Richmond, VA 23218.

Purpose of business of LLC is any lawful act or activity. #60861

Notice is hereby given that a restaurant wine license, #TBA has been applied for by Warboro6 LLC d/b/a Borro 6 Wine Bar to sell beer and wine at retail in an on premises establishment. For on premises consumption under the ABC law at 549 Warburton Avenue Hastings-on-Hudson NY 10706 #60862 Circle Concepts LLC Arts. of Org. filed w/ SSNY 11/4/16. Off. in West. Co. SSNY desig. as agt. of LLC whom process may be served. SSNY shall mail process to the LLC, 59 Griffen Ave, Scarsdale, NY 10583.

Purpose: any lawful activity. #60863 SKYHOOK PRODUCTIONS LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 11/01/2016. 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, 215 Loring Avenue, Pelham, New York 10803, principal business location of the LLC. Purpose: any lawful business activity. #60864 Notice of Formation of 4040 BA LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 9/12/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Finkelstein Timberger East Real Estate, 111 Brook Street, Scarsdale, NY 10583. Purpose: any lawful activity. Ad # 60823 Notice of Formation of Ottavio’s Studio, LLC. Arts. Of Org. filed with SSNY on 9/30/16. Office location: Westchester County.

SSNY designated as agent of LLC upon whom process may be served. SSNY may mail process to the LLC, 711 Main Street, New Rochelle, NY, 10801. Purpose: Any lawful purpose. Ad # 60835 Adama Advisors LLC, Art. of Org. filed with SSNY 10/13/16.

Offc. loc.: Westchester Cty. SSNY desig. as agent of LLC upon whom process against it may be served. SSNY shall mail process to LLC, 35M Rockledge Rd, Hartsdale, NY 10530. Purpose: any lawful act.

Ad # 60852 Jenny Yovine, LCSW PLLC, a domestic PLLC, Arts. of Org. filed with the SSNY on 11/10/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the PLLC may be served. SSNY shall mail process to Law Offices of Kelly Paul Peters P.C., 79 Madison Ave., 2nd Fl., New York, NY 10016. Purpose: Licensed Clinical Social Work.

Ad # 60865

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