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December 1, 2014 | VOL. 50, No. 48

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HOUSING COALITION PROTESTS MTA PROJECT

INSIDE

Group wants aﬀordable units in Harrison development

TABLE TO FARM • 2

NEWSMAKERS • 22

FACES & PLACES • 31

Jim Killoran, executive director of Habitat for Humanity of Westchester, speaks to reporters in front of Grand Central Terminal alongside Graciela Heymann of The Westchester Hispanic Coalition. Photo by Mark Lungariello

BY MARK LUNGARIELLO mlungariello@westfairinc.com

Westchester County housing opportunity commission gave the town of Harrison a goal of building 756 units of affordable housing by 2015 as part of a regional analysis of housing needs. Since the commission filed its countywide Housing Allocation Plan in 1992, and revised it in 2005, Harrison has yet to build one affordable apartment. Lena Anderson, president of the White PlainsGreenburgh NAACP, said it was time for the town “to allow the clock to move forward.” “Harrison is sending the message to our lowerincome citizens that they can come in and work in MTA, page 6

Cintas tries again for laundry plant in Yonkers BY JOHN GOLDEN jgolden@westfairinc.com NEARLY SEVEN YEARS AFTER SEEING ITS PROPOSED CONSTRUCTION PROJECT FLUSHED DOWN THE DRAIN by planning officials in Yonkers, a national uniformsupply company has returned to the city with the same plans to build a commercial laundry plant off Executive Boulevard in South Westchester Executive Park.

This time, though, Cintas Corp. first sought support from the Yonkers Industrial Development Agency — whose chairman is the mayor of Yonkers — before going to the city planning board for approval of its $25.1 million regional service facility. Headquartered in Cincinnati, Cintas told the IDA board it wants to consolidate its uniformsupply and service operations for 30,000 people in the New York metropolitan area and outlying

counties at a 60,000-square-foot facility to be built at 325 Corporate Blvd. South in Yonkers. The plant would include a 13,000-square-foot laundry, 9,000 square feet of office space and additional sales, service and maintenance areas. Attorney Alfred B. DelBello, who represents Cintas in their Yonkers application, said the company has a large operation in Brewster but wants to be closer to New York City “where they do most of their work.” Yonkers, page 6

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Hudson Valley incubator nurtures farm entrepreneurs

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BY JOHN GOLDEN jgolden@westfairinc.com

s the farm-to-table movement flourishes in the Hudson Valley, entrepreneurs in New Paltz have launched a table-to-farm business that will make rich soil from food scraps collected from residential and commercial customers and composted on area farms. Their startup company will be nurtured by a new farming initiative designed to help a young generation of entrepreneurs succeed on the land. Community Compost Co. is one of three enterprises accepted in the first class of the Hudson Valley Farm Business Incubator, launched this fall on a New Paltz farm by Glynwood, the agricultural nonprofit based in Cold Spring. The first of its kind in the Hudson Valley and part of a growing national trend in sustainable agribusiness, the incubator opened in October on a 323-acre farm owned by the Open Space Institute in the Mohonk Preserve Foothills. Dave Llewellyn, director of farmer training at Glynwood, said the incubator will give startup farmers access to leased land, housing, shared farm equipment and infrastructure. Participants will be trained in business skills and branding, sustainable farming practices such as soil improvement and land planning and the practical skills needed for each participant’s particular form of farming. Llewellyn said the incubator is designed as a three-year program, though Glynwood will be flexible in length of stay for participants. He said Glynwood hopes to help entrepreneurs find farmland of their own about halfway through the three-year program. “The OSI (Open Space Institute) has a lot of agricultural land and they are really interested in our graduates to lease their other land,” Llewellyn said. Joining Community Compost Co. in the first incubator class are Ferdinand’s Farm, a diversified farming operation founded by Lily Dougherty-Johnson that produces eggs, honey, culinary herbs and edible flowers, and Four Legs Farm, whose owner, Leanna Mulvihill, next spring will begin raising lambs and pigs at the farm incubator. She said she plans to sell shares of frozen meat to members of a Community Supported Agriculture vegetable program. Dougherty-Johnson and Mulvihill live in a house on the farm during their time at the incubator. Mulvihill, a former Glynwood livestock apprentice, said her startup costs next spring will be about $15,000 to buy 30 lambs and 24 pigs, fencing and other supplies.

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Eileen Banyra, left, and Noa Simons, principals of Community Compost Co. in New Paltz. Photo by John Golden

“I couldn’t start my own business without having access to land and access to capital and the support system,” she said at an open house at the incubator. After leaving the incubator, “I’d like to stay in this area,” Mulvihill said. “This is where I’m going to be building my customer base, in the mid-Hudson region.” Llewellyn said Glynwood also will help entrepreneurs gain access to low-interest capital, which could include the use of online crowdfunding sources such as Barnraiser and Kiva Zip. The Open Space Institute has started a low-interest loan fund for the incubator, he said. Another incubator pioneer, Noa Simons, is a partner at TianDi Growth Capital Co. Ltd., a Shanghai company that invests in new technologies from the U.S. and other countries to develop and commercialize in China. Simons recently sold the 14-acre farm she bought in New Paltz for a boarding stable business serving horse owners. While on the farm she met Eileen Banyra, a municipal planning consultant and the founder of Community Compost Co., who was seeking compost sites on Simons’ and other farms for her new food waste recycling business. The women became business partners. Banyra and Simons are exploring a new model for commercial composting by partnering with farm owners to spread production among multiple farm sites. Farmers will be given a share of the compost produced on their farms and the on-site operations will be managed by Community Compost. The company’s first production partner

is Four Winds Farm, an organic farm in Gardiner in southern Ulster County. While developing partnerships with other farms in the area, Community Compost plans to use the incubator site in New Paltz as its main production site. Ferdinand’s Farm’s pastureraised chickens will feed on the incubator’s compost pile. Simons at the open house said the company is removing the capital cost of a large-scale compost production site — about $250,000 on average nationally — by using Glynwood’s incubator and other farms as composting sites. “A lot of farms don’t make compost,” said Banyra. “They’re busy farming. …If you can spread it (compost production) out, you are really distributing the wealth.” “A lot of permanent jobs are created because it’s employee-intensive,” she said. Banyra’s planning clients in her more established business include the city of Hoboken, N.J., where this summer and fall she collected food scraps dropped off at a downtown farmers market by 40 to 50 Hoboken residents who pay Community Compost a monthly fee. Banyra said she aims to recruit supermarkets and other large commercial clients “to push down the price for residents.” By early October, the startup company was collecting about 2 tons of food scraps weekly. Banyra said the principals had invested about $30,000 in the startup so far this year. “It’s been fun for me,” said Banyra, whose business model is a work in progress. “But it’s hard.”

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Agency knocks Tappan Zee loan approval State oﬃce criticizes ‘lack of transparency’ BY MARK LUNGARIELLO mlungariello@westfairinc.com state officials shrugged off federal advisement and met improperly behind closed doors on the path to approval of $511 million in loans for the Tappan Zee Bridge replacement, according to an investigation from a state budget office. The Authorities Budget Office, a state watchdog agency, criticized the approval of the loans in a Nov. 20 report, saying the process lacked public engagement and had only “limited discussion.” The federal Environmental Protection Agency, which had expressed reservations about the project’s eligibility for the funding, ultimately rejected $482 million of the loans in September, saying it was ineligible. The state formally appealed that decision Nov. 14. The loans were approved by the state’s Environmental Facilities Corp., an agency that administers a federal clean water fund that is traditionally used to finance local drinking water and sewage treatment proj-

ects. Gov. Andrew Cuomo, a Democrat, had announced the loans to fund part of the $3.9 billion new Tappan Zee Bridge, for which the source of the majority of funding remains murky. The EFC held two closed-door meetings tagged as “conceptual” or “exploratory” to discuss the loans, in violation of government transparency rules and held a third meeting prior to approval. There was no public input phase. “Meeting in executive session resulted in a lack of transparency and disclosure,” the report said. Two of the six board members voted to authorize the loans without having participated in any of the three meetings discussing the loans. The EPA in a June 25 letter expressed concern over whether the loans were an appropriate use, but EFC members did not address the letter and approved the funding the day after the letter, in a June 26 EFC board meeting. “Board members expressed little concern over the issues raised in that letter,” the report said. The budget office’s report came

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after interviews with representatives from federal and state agencies, and upon reviewing correspondence between the groups. EFC board members told investigators they had not had contact with the governor’s office representatives to “pressure or influence” their vote. The budget office went to lengths to analyze the process and the actions of board members under state laws but did not rule on whether it thought the loans would have been a misuse of the clean water fund. The investigation began this summer after environmental groups filed a complaint with the budget office, saying the loans equated to a raiding of the clean water fund. The EFC did not immediately respond to a request for comment from the Business Journal. Peter Iwanowicz, executive director of Environmental Advocates of New York, said the manner in which the plan advanced was “beyond reprehensible.” “It is shameful that as communities across the state struggle to find the fund-

ing to repair crumbling sewage systems and drinking water supplies, we learn that the Cuomo administration was working in secret for more than a year to divert more than half a billion dollars from clean water funds to pay for a new bridge,” he said. Despite the majority of funds being rejected by the EPA, Environmental Advocates filed suit along with Riverkeeper and Waterkeeper Alliance in October to block the proposal altogether. The clean water loans would have included low- and no-interest funding and they were viewed as a low-cost option for the state. Clean water fund loans average 1.7 percent interest, well below the market average of 3.7 percent, according to the EPA website. The Tappan Zee loans would have saved $17 million over three years, according to Cuomo. Questions continue over the funding of the Tappan Zee replacement, which has received a $1.6 billion loan from the federal Department of Transportation but little else as far as financing commitments.

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December 1, 2014

Religious order defends decision to put campus up for sale BY LEIF SKODNICK lskodnick@westfairinc.com

fficials representing the Sisters of the Divine Compassion say financial issues common in recent years to Catholic religious orders forced the group to put its Good Counsel campus in White Plains up for sale. Geoff Thompson, a spokesman for the order, told the Business Journal the combination of the congregation’s nuns aging and fewer young women joining the order have put the congregation in economic peril. After examining potential solutions over the past 15 years, the sisters decided to sell the 16-acre property on North Broadway, which includes an elementary school and a high school, Thompson said. “They started looking at options back in 2000, and a lot of actuarial work was done,” Thompson said. As the sisters received and evaluated the actuarial data, they realized their economic situation was unsustainable, he said. In a letter sent to parents of students at the schools on Nov. 14, Sister Carol Wagner, president of the order, said operating the Good Counsel campus costs the order more than $600,000 each year, which has been depleting the congregation’s savings. “Through the sale of the campus, we will be in a financial position to ensure that our sisters can be properly and adequately cared for,” Wagner wrote. “Within a few years, a very small number of sisters will be left to support a large number of sisters ranging in age from 75 to 95 years old.” Wagner said in the letter that the sisters do not have the money to make capital investments in the campus, which has an aging infrastructure and costs $1.7 million annually to operate. In a question-andanswer piece sent with the letter, Wagner noted the average age of the 81 sisters is 77 – with six sisters over the age of 90, 23 in their 80s and 40 in their 70s. Wagner wrote that the school’s administration knew of the financial situation over a decade ago and knew that it was not a viable situation in the long term. “This did not crop up overnight. The administration of the schools knew, and the principals certainly knew,” Thompson said when asked about parents saying they were blindsided with the news of the campus sale. “I’m sure for some of the parents, this came as a shock, and it probably

December 1, 2014

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The motherhouse at the Good Counsel campus in White Plains. File photo

could have been handled better.” According to both Wagner’s letter and Thompson, attempts to raise funds were made but ultimately were insufficient. “All of the properties owned by the sisters were thoroughly evaluated,” Thompson said. “The property that is the most costly to operate and holds the most value is the Good Counsel campus, and that’s why it is on the market.” The letter sent by Wagner emphasized that the disposition of the campus is a complex matter. Commercial real estate firm CBRE Group Inc. has the exclusive listing of the Good Counsel campus. Bill Cuddy, an executive vice president at CBRE, declined to comment on any bids that have been made on the property. At a rally outside the Good Counsel Campus gates Nov. 19, parents and students voiced support for the Good Counsel schools and expressed concern about how the Sisters of the Divine Compassion were handling the sale of the campus. “There was a recent bid, we found out, from a church group that wanted to save the property, have the nuns stay here and keep the schools,” said Jennifer Lewis, who is part of a group of parents that formed a corporation trying to preserve the schools. Save the Good Counsel Community Now Inc. was incorporated last month as a notfor-profit entity. “(Members of the religious group bidding on the property) were willing to work with our group, but the nuns shut it down.” Representing the sisters, Thompson also declined to comment on any specific bids or bidders. “There are a seemingly endless number of rumors about this,” Thompson said. “This is a very emotional situation for parents and students, not to mention the sisters who have been there for 125 years. It would be better for both sides to work together and find options for the school that are not on the Good Counsel campus.”

Map shows 100 schools along crude oil train tracks BY MARK LUNGARIELLO mlungariello@westfairinc.com

Entrepreneurs: Taking Risks and Turning Profit BY MARK J. MOTTEL, CPA, MS CITRIN COOPERMAN

n July 6, 2013, a train hauling more than 70 cars filled with volatile crude oil derailed in Quebec, Canada, after its engine caught fire and power to its air brakes was cut. Several DOT-111 oil tankers filled with oil mined from South Dakota’s Bakken Shale ignited, spilling oil and sending a fireball into the sky of the town of Lac-Mégantic and destroying 30 buildings, according to reports. Forty-seven people died. Several thousand more were evacuated while oil seeped into the soil and local waterways. The Quebec derailment and several other disasters have brought increased scrutiny on the transportation of crude oil by rail as the amount of oil mined domestically continues to multiply. New maps from state environmental groups show there are more than 100 public and private K-12 schools within a mile of train lines used to transport crude oil through the region. Albany-based Healthy School Networks released the maps last month in partnership with a coalition of environmental and education activists. “They are crossing from Buffalo through Rochester and from the upper reaches of Lake Champlain and the Adirondacks to the Port of Albany, then down along the Hudson River,” Claire Barnett, executive director of Healthy Schools Network, said. “A catastrophic event, should it happen near an occupied school, could devastate a community for a generation or more.” From 15 to 30 trains carrying crude out of South Dakota travel through the Hudson Valley region each week. Each train can haul dozens or as many as 100 oil cars, each that carry tens of thousands of gallons of the Bakken crude, which experts say is more volatile and unstable than other forms of oil. Oil is also transported by barge on waterways through the region and plans are in the gestation phase to begin transporting other types of crude through the area by rail as well. The maps also included BOCES schools. Statewide, the maps identified 351 schools within one mile of train lines. In Monroe County alone, in the Rochester area, 63 schools were within the one-mile zone. Environmental group Riverkeeper prepared an additional several maps depicting the potential impact area of local crude oil accidents based on the 300-yard blast radius and 1,100-yard evacuation zone from the Quebec derailment and a Casselton, N.D. derailment that spilled more than 400,000 gallons of crude. “Based on the human consequences of these two accidents, it is clear that com-

Citrin Cooperman Corner

Mark Mottel

Helen Nitkin The HB Nitkin Group

Every entrepreneur — whether you’re a first-timer or more experienced — has to grapple with the element of risk. It’s always present in business opportunities, and when measured properly, a healthy dose may bring handsome rewards. While strategic decision-making and a community of support will help you get your idea off the ground, consider these factors as you push your endeavor forward:

munities on both sides of the Hudson River could be impacted by a crude oil rail disaster,” said Kate Hudson, Riverkeeper’s Watershed Program director. A CSX Corp. rail line runs from Albany to the state’s border with New Jersey. Land trust organization Scenic Hudson said that 47.7 miles of that track are within yards of the Hudson River. The group estimates the risk area in the event of a derailment would be more than 200,000 acres and include 100,000 households and six drinking water intakes. The U.S. Department of Transportation Emergency Response Guidebook recommends a half-mile evacuation zone for accidents involving rail cars with flammable liquids and a mile zone around any rail car filled with those materials if they are on fire. Environmental groups are calling for state and federal government reforms. These include asking government officials to provide emergency planning aid to schools, reduce speed limits for crude oil trains and impose stricter regulations and inspections for deteriorating DOT-111 tankers. The U.S. Department of Transportation is considering stricter regulations of the cars, but environmental groups have said the proposed laws don’t go far enough. The state has increased its inspection of cars in response to recent derailments, but oil industry experts look to continue to expand their processing capacities as the amount of crude mined through hydraulic fracturing surges. The amount of Bakken moving through the U.S. has risen from 9,500 rail carloads in 2008 to 415,000 rail carloads in 2013, according to the Department of Transportation.

SURROUND YOURSELF WITH THE RIGHT PEOPLE. Having the framework for an idea is a start, but you will need to refine, refocus, and carry it to fruition. “You have to have good people around you to execute,” said Helen Nitkin, co-founder and chairman of The HB Nitkin Group, a commercial real estate company with properties in New York and Connecticut. “Work with the best people available to you.” Build a team for the long haul for increased efficiencies. EXPECT THE UNEXPECTED. Many entrepreneurs and new business owners start with shoestring budgets, which will only get you so far. Create a financial reserve and make sure you have the capital you need when you need it. “In the initial financial analysis, an entrepreneur may project one or two years for a property to become profitable, but in reality it may take three or four,” Nitkin said. “In today’s real estate environment, one has to calculate expenses, keeping tenants in place and unanticipated events. Entrepreneurs should factor that into their numbers.” CREATE A BUSINESS PLAN. Before you go full steam ahead with an idea, get everything down in writing. Putting pen to paper (or keys to screen) will force you to think and identify your revenue and capital sources. Similarly, your expenses and capital expenditures need to be realistically forecasted. Make sure to bring in a CPA and a lawyer to help you navigate the potential pitfalls. And be flexible. “Any good business leader has to adapt to the changes taking place in the market,” Nitkin said. ALWAYS STRIVE TO BE BETTER. Improving and keeping systems up to date, implementing

state of the art technology (whether it’s accounting or financial software), and modifying work processes as necessary will keep your operations running more efficiently and profitably. I always recommend to clients that they arrange for detailed training in their software. Many clients don’t realize the sophisticated functionality in today’s accounting software that can provide the crucial information they need to make decisions that will help drive their businesses to higher profits. SHUT OUT THE NOISE. When Nitkin and her late husband, Brad, were selected as the developers of the Front Street District in Hartford, a project consisting of 65,000 square feet occupied by restaurant and entertainment venues with a 121-unit residential building under construction, there were many naysayers. “If you really want to make a difference, particularly in real estate, you need vision, capital, and staying power,” Nitkin said. “You have to believe in your own conviction, stay focused, and tune out the noise.” Emotional strength in the face of adversity is key to success as a business owner and entrepreneur. CULTIVATE A CREDIBLE REPUTATION. The success of your business — and your brand — begins with you. Your reputation is built on authentic connections and how well you conduct yourself in all your interactions. “Be straightforward and honest with people you deal with. A good reputation is an asset to be valued,” said Nitkin. KNOW WHAT YOU CAN DO — LEGALLY. When it comes to starting your own business, there is often a maze of regulations to sort through to make sure you’re on the right path. Staying on top of tax laws while planning and filing properly can be a challenge. “There are so many tax considerations to keep in mind,” Nitkin said. “It’s not just running your business and doing things in your own way. It’s also knowing you are doing it within the framework of the regulatory structure.” ABOUT THE AUTHOR: Mark Mottel, CPA, MS, a partner in the White Plains office, brings more than 30 years of tax and accounting experience to his clients. He specializes in real estate taxation and sophisticated tax planning for businesses and high net worth individuals. Mark can be reached at 914-949-2990 or via email at mmottel@ citrincooperman.com. Citrin Cooperman is a full-service accounting and business consulting firm with offices in White Plains, NY; Norwalk, CT; New York City; Livingston, NJ; Plainview, NY; and Philadelphia, PA.

A MESSAGE FROM CITRIN COOPERMAN

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December 1, 2014

MTA — From page 1

the big houses as nannies and servants, in the kitchens as cooks, in the gas stations and garages as mechanics, in the stores as clerks, in the schools as teachers, but at the end of the day they can’t live there,” she said. Anderson is part of a coalition of housing groups that is opposing the Metropolitan Transportation Authority’s plan to sell 3.3acre Harrison Metro-North train station parking lot to a developer, which will construct 143 rental apartments and 27,000 square feet of ground-floor retail space. The proposal, which was approved by the MTA board in September, is the first transit-oriented development project undertaken by the agency. But coalition members say the agency is allowing Harrison to perpetuate exclusionary zoning practices. Anderson and others spoke at a press conference Nov. 24 in front of Grand Central Terminal, calling on the MTA as a public agency to require that all transit-oriented development projects include at least 20 percent affordable and workforce housing units. The town is one of 31 communities in the county named in a 2009 legal settlement with the federal government, in which Westchester agreed to build 750 units of affordable housing in its richest and statistically whitest communities. A September report by a monitor appointed to oversee implementation of the settlement named Harrison as one of six municipalities that have zoning practices contributing to a lack of integration of their black and Hispanic populations. Harrison is one of several Westchester towns or villages that have not adopted a model zoning ordinance as recommended

Yonkers — From page 1

Yonkers city officials said the uniform company’s textile processing and warehouse and distribution operations in Boston, Philadelphia, northern New Jersey, Port Washington, Montgomery and North Salem also would be consolidated in Yonkers. The plant would employ about 160 workers, Yonkers officials said. They said Cintas expects 50 percent or more of the jobs will be filled locally after some company employees at its facilities in North Salem and Port Washington transfer to Yonkers. The project also would provide an estimated 25 full-time construction jobs over the 11-month construction period. “This is a strong addition to the city’s economy, and jobs that we can count on for the long term,” Yonkers Mayor Mike Spano

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by the settlement, which would amend the town zoning to require at least 10 percent affordable units in any residential development. The Workforce Housing Coalition was launched by regional fair housing group Community Innovations Inc. and its members include the Westchester chapter of Habitat for Humanity, the Westchester Hispanic Coalition and the tenants’ rights organization Mount Vernon United Tenants. Dennis Hanratty, of United Tenants, said inclusive zoning was necessary to combat income and racial inequality. “The burden of building affordable housing has to be shared by other communities,” he said. Mount Vernon has a black population of more than 63 percent, according to U.S. census data, while Harrison’s black residents made up slightly more than 2 percent of its overall population. A recent study by Community Housing Innovations linked the lack of affordable housing units with a decrease in the percentage of 25- to 34-years-olds in the community. Harrison lost 20 percent of that demographic since the 2000 census and lost 34 percent from the census tract that includes the train station. The percentage of that age group dropped by more than half in the ZIP code that includes its elite hamlet Purchase, according to the report. The market rate for the housing at the MTA Harrison site could be about $3,500 a month for a two-bedroom apartment, according to the coalition’s estimates. Jim Killoran, executive director of Habitat for Humanity of Westchester, said that was not a realistic amount to pay for young educated singles or recently-married individuals in Westchester. Killoran said the pro-housing advocates

are often pegged as being anti-wealth but that pricing residents out of a community was “unintelligent” planning in the long term because it pushed out seniors and veterans. A lack of affordable units had a business effect, he said, because companies left the state as young, educated workers went elsewhere. “I want to end poverty and I have nothing against luxury apartments,” he said. “It’s the most important time to rebuild New York.” Alexander Roberts, executive director of Community Housing Innovations, questioned why the MTA included 475 parking spaces for train commuters as part of the Harrison plan but did not set allotments for workforce or affordable housing. He said the town not taking action was unfair to many of its neighboring municipalities, which have amended their zoning to encourage more multifamily construction. “Harrison is clueless; it just doesn’t get it,” Roberts said, though he said he generally favored the idea of transit-oriented development. “TOD alone isn’t enough, it has to be equitable and it can’t be done on (Harrison’s)

exclusive terms.” The implementation of the 2009 affordable housing settlement has often raised the broader question of whether towns, villages and cities or the county should dictate zoning and ensure demographic integration. Roberts said leadership from the county was “an economic necessity.” “It is abundantly clear that affordable housing on any scale can’t be built voluntarily,” he said. An email seeking comment from the MTA was not returned by press time. The chosen developer for the project, Arlington, Va.-based AvalonBay Communities Inc., has built apartment buildings in Bronxville, Elmsford, Mamaroneck, New Rochelle, Ossining and White Plains. It operates a regional suburban office in Fairfield, Conn. Harrison Mayor Ron Belmont, reached by phone, said he had no comment on the coalition or its press conference but said he continued to view the public-private partnership as the first step to “a downtown renaissance.”

said in a press release. Spano heads the IDA board of directors. “At least half of these jobs will be new hires from Yonkers and surrounding communities, and all of the jobs will add to the city’s tax base and expand our business community.” The Yonkers IDA board at a Nov. 19 meeting gave its preliminary approval of financial incentives for the project. Cintas would receive up to $722,500 in sales tax exemptions on construction materials and furnishings and equipment for the plant. IDA officials also agreed to negotiate a property tax abatement agreement for the development. The Yonkers planning board in January 2008 denied an application by Cintas Corp. for the same project in South Westchester Executive Park. The board said the laundry operation, which would consume 80,000 gallons of water a day, was not similar in character and impact to permitted uses, including

light industrial, in the city’s planned executive park zone. The planning board in 2008 also noted that truck traffic to and from the plant would use city streets and an already congested Executive Boulevard. Six months after that rejection, Cintas Corp. and the owner of the plant’s proposed site, Robert Martin Co., filed a lawsuit in state Supreme Court that sought to overturn the board’s decision, arguing the laundry facility did qualify as a light industrial use. The company and the landlord dropped their lawsuit two months later. Christina Gilmartin, Spano’s spokeswoman at Yonkers City Hall, in an email said Cintas this year “needed to approach the IDA first to ensure the project could be viable enough to advance to the planning stage.” The project will now be presented to the planning board, she said.

DelBello, who also represented Cintas in its 2008 application, dismissed the concerns about truck traffic raised by the planning board seven years ago. All truck traffic to and from the plant will be during off-peak earlymorning and afternoon hours, he said. “We wanted to get the inducement first” from the IDA, said DelBello, referring to the resolution of support approved by the board. “The IDA found it is an acceptable use. That should carry some weight with the planning board.” Seven years after sinking the Cintas project, “I think they will be more receptive to it,” DelBello said. “I have no question about that.” A publicly traded company, Cintas reported revenues of $4.32 billion and net income of $315.4 million in 2013. It has about 30,000 employees at more than 430 facilities in North America, Europe, Latin America and Asia.

Lena Anderson, president of the White Plains-Greenburgh NAACP, at a press conference at Grand Central Terminal. Photo by Mark Lungariello

DEALS &DEEDS PITTSBURGH OWNER SELLS BRONXVILLE SUPERMARKET BUILDING The long time owner of a Bronxville building leased by the village’s only supermarket has sold the property for $8.5 million. HLC Equity, a national real estate investment holding group and property manager based in Pittsburgh, sold the approximately 27,000-square-foot A&P building at 12-14 Cedar St. to an entity of Gerard Alexander Realty Holdings LLC in New York City, Westchester County land records indicate. The property had been owned by HLC Equity, formerly known as H. Lipsitz Cos., since 1978. “While we continue to seek out prime located retail assets, we are also in the process of targeting opportunities in the multifamily and office sectors,” Daniel N. Farber, HLC Equity executive vice president, said in the company’s sale announcement. “As part of this strategy, we are selling some of our older retail assets that have drawn tremendous interest from the market due to their consistent performance.” HLC Equity in October announced its

first purchase in the Brooklyn multifamily market and the sale of a 192,000-squarefoot Walmart Supercenter in Anderson, S.C. Lawrence “Chip” Porter, managing director of Newmark Grubb Knight Frank Capital Markets, represented HLC Equity in the Bronxville transaction.

PARTNERS BUY DEBT ON SOUTH SALEM MANOR The future of a family-owned restaurant and banquet facility on a historic property in South Salem is uncertain following the purchase of a defaulted loan on the 25-acre property by joint venture partners. David Roth, principal at Palladium Management LLC in Manhattan, said the partners acquired a $4.4 million loan collateralized by a Route 35 property that is home to Le Chateau restaurant. The restaurant is operated by the property owner, Monique Jaffre Lozach, the second generation of the Lozach family to run the restaurant in its 41-year history. Le Chateau occupies a 12,000-square-foot Tudor-style manor commissioned by J.P. Morgan in 1907 and named Savin Rock. Palladium’s partners in the deal are

The Green Rock Group LLC, a New Jerseybased commercial real estate investment and development company, and Embrace Hospitality, a boutique investment and consulting firm in New York. “We have no immediate plans for the property,” said Roth.

MOUNT VERNON OFFICE BUILDING SOLD

The new owner of a 25,150-square-foot office building in downtown Mount Vernon plans to renovate and reposition the property for medical and professional office tenants, according to brokers in the recent deal. Bluestar Properties Inc., a New York City real estate investment and management company, paid $1.5 million for the property at 100 Stevens Ave. The sevenstory building includes 13 office units and four ground-level retail units, said brokers at Ariel Property Advisors in their sale announcement. Jason M. Gold, associate vice president of Ariel Property Advisors, said the new owner plans extensive renovations to the property, a short distance from Montefiore Mount Vernon Hospital. “As a prime corner building in a central location, such a repositioning should greatly enhance the neighboring properties,” he said. Gold and Ariel Property agents Scot Hirschfield and Victor Sozio represented the seller, an undisclosed private investor, and procured the buyer. — John Golden

100 Stevens Ave. in Mount Vernon.

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December 1, 2014

Upon her death in Sarasota in 2007, the widow left generous bequests to her relatives, according to the Patterson Foundation website, while transferring the remainder of her estate to the family foundation, making it a $200 million fund.

INBRIEF $1M FUND STARTED FOR LOW-INCOME RESIDENTS Organizations serving low-income and underprivileged residents of Ossining stand to benefit from a $1 million endowment from a Florida-based foundation whose late founder was an Ossining native. The Patterson Foundation has established the $1 million Dorothy Patterson Fund with the Westchester Community Foundation, the Hartsdale nonprofit recently announced. With the funds, it will administer a competitive grant program serving the “less fortunate” in the Ossining community “in perpetuity,” according to a spokesperson for WCF, the suburban division of The New York Community Trust, the fund’s fiscal steward. Philanthropist Dorothy Patterson, who created The Patterson Foundation in 1997, was the wife of the heir to a newspaper publishing fortune made in Chicago and New York. Westchester Community Foundation officials said her generosity was seen in Ossining, where she and husband James Patterson first met in high school and where she was an active supporter of her church and provided goods to the poor. Film Conversion Ad White.pdf

ACTIVE INTERNATIONAL TO STAY IN ROCKLAND After considering relocating outside New York, Active International will be keep its headquarters in the Hudson Valley, the company announced with Empire State Development Corp. on Nov. 21. Employing more than 500 people worldwide, Active International is a provider of media, marketing, travel, retail marketing, shipping and other business services through corporate trade. The company has renewed its lease to remain headquartered at Blue Hill Plaza in Pearl River, Rockland County, through 2029. Empire State Development offered Active a performance-based grant of up to $1 million to put toward renovating and modernizing its facility, which is tied directly to the company’s commitment to retain more than 315 full-time employees there. “Blue Hill Plaza has provided the opportunity for Active International to grow both as a business and a member of our community,” Alan Elkin, the chairman, CEO and

11/19/14

co-founder of Active International, said in the announcement. “We are pleased to have reached a progressive solution for our space needs that keeps us in Rockland County for the next 15 years and look forward to remaining an active member of the community.” The company occupies four floors and approximately 100,000 square feet at Blue Hill Plaza.

VACANT STATE PRISON UP FOR SALE OR LEASE State economic development officials are seeking proposals for the private redevelopment of a minimum-security state prison in Dutchess County that was closed last year. Empire State Development Corp. set a Jan. 15 deadline for developers’ proposals for the purchase or long-term lease and redevelopment of the approximately 39-acre Beacon Correctional Facility site in the city of Beacon. The women’s prison was closed one year ago in a cost-saving initiative by Gov. Andrew Cuomo to consolidate the state’s underpopulated correctional facilities. Detailed descriptions of the site and a video are available online at esd.ny.gov/ CorporateInformation/RFPs.html. Tours of the Beacon facility will be given Dec. 17. The site includes 21 modern structures totaling approximately 100,000 square feet

of floor area and related infrastructure. A campus-like site without security walls or fences on its perimeter, the property and location are ideal for businesses and institutions needing multiple uses on a single site, state officials said. The facility is 1 mile from Beacon’s downtown area and Main Street and near Dia: Beacon a well-known center for contemporary art. The state has said it will make up to $6 million in grants available to assist with eligible capital costs in the site redevelopment. They include capital costs of construction, improvement, rehabilitation or reconstruction of facilities; acquisition of capital facilities and assets; acquisition of capital assets with at least a 10-year useful life for the sole purpose of preserving and protecting infrastructure; and economic development projects or environmental projects sponsored by the state or municipal corporations that create or retain jobs. The Beacon site also could host one of New York’s tax-free areas for new or expanding businesses through the Start-Up NY program if a developer chooses to partner with a sponsoring academic institution, state officials said. Companies looking to locate to the site may also qualify for state tax credits and incentives for job creation and private investment. — John Golden and Leif Skodnick

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BY LAURENCE P. GOTTLIEB

Cheers to the Hudson Valley’s spirited beverage industry

t the Hudson Valley Economic Development Corp.’s recent Hudson Valley Beer, Wine, Spirits & Cider Summit 2.0 at The Culinary Institute of America in Hyde Park, 400 business executives and government officials gathered to discuss the meteoric rise of alcoholic beverage production in the Hudson Valley. The summit, now in its second year, featured two high-profile speakers — James

of the state’s agriculture industry, which is buoyed by 36,000 farms. “The differences between upstate and downstate New York have never been starker, yet the opportunities have never been greater,” Ball said. “We need to connect the dots between the upstate farms and the largest appetite in the country in New York City. The energy in this industry is incredible, and it has never had a better relationship with Albany.”

Ball said he was committed to making the state “customer friendly” to the agriculture sector. “We must break down the barriers to doing business in state government,” Ball said. “We are determined to streamline the regulation process to be more ‘customer friendly,’ and to help the agriculture industry grow.” With additional speakers from the New

York State Liquor Authority and Department of Finance, Empire State Development and several major industry players, it was quite evident that the Hudson Valley is bubbling over with enthusiasm for this burgeoning industry. Laurence P. Gottlieb is president and CEO of Hudson Valley Economic Development Corp. in New Windsor. He can be reached at lgottlieb@ hvedc.com.

Know-how is the

strength behind the advice. LAURENCE P. GOTTLIEB

Mariani, co-CEO of Banfi Vinters, one of America’s leading wine importers, and Richard Ball, the commissioner of the New York State Department of Agriculture and Markets. Mariani underscored the importance of effective marketing in achieving success in the industry. “It is critical to communicate your product’s unique advantage into your marketing messages and then to learn what market segment you need to reach,” Mariani said. “It is impossible to reach everyone.” Mariani also discussed the many challenges facing the wine industry and identified a number of interesting trends: • “Firewalls between the beer, wine and spirits categories existed in the past but those firewalls are now breaking down and the category lines are getting much fuzzier.” • “Higher-quality beverage products such as craft beers and flavored malts are growing in popularity, and their market share is increasing much better than the category as a whole.” • “We are living in a different kind of world, and now everyone is trying to attract the high-spending, young consumers who are interested in trying new drinks.” • “The Hudson Valley’s farm-to-table trend is one of the most exciting movements in the industry.” Ball was equally upbeat about the vitality

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11/21/14 11:18 AM

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Dealing with the ups and downs of seasonal hiring We’re entering another busy season and increasing staffing. I’m thinking ahead to when things will slow down again. It’s a waste to just cut people when the season is over. And after we let them go there will be another busy season requiring effort all over again to recruit, check backgrounds, process hiring paperwork and then train. It’s more than just picking people up off the street. Any recommendations?

THOUGHTS OF THE DAY: Look carefully at the cycles and what can be done in the slow periods that would make good use of the talent you have. Pick the best and brightest to add to your workforce permanently. Consider flextime to help with the peaks and valleys. Build as much routine as possible into hiring cycles. Consider staffing firms and job fairs to meet short-term hiring needs. Ensure that sales are growing each year, making the following year’s valleys smaller. Plan through the cycles on an upward trajectory. Each year as the business grows you’ll need more people in your down cycles. That means it’s possible to keep some of the people who come to work temporarily in a busy season.

Figure out how many people you’ll need a year from now, assuming sales goals are hit. Identify the best performers in the seasonal workforce. Look for ambition, drive and ability to learn new things. Approach people individually about staying on. Offer part-time hours to those who can’t work a full schedule. Once past the busy season, if things slow down more than expected, ask who is interested in part-time work. One thing millennials prize is their free time. Some workers may have flexibility at allowing them to cut back. For some, a 20- to 30-hour work week until things pick up might be preferable to losing the job altogether. Determine stay versus termination based on quality of work,

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volunteers and then last in, first out. When it’s time to increase staff, look at other competing hiring cycles. For example, January through April of every year, accounting firms hire temporary staff for tax time. Know who you are competing with for your temporary workforce. Hire a little earlier than any other competitor. Even a week or two can give you a leg up with the most eager candidates. Lay out a recruiting schedule anyone can follow next year — when to place ads, when to start interviews, when to check on the number of candidates hired vs. the number needed. Know when it’s time to ramp up things if you’re behind. Consider working with a staffing company that can do a lot of the legwork for you. Notify them of your needs and let them get to work lining up candidates. They handle all the paperwork and the payroll for a fee. When it’s time to cut back, just make a call to say that the season’s over. The staffing firm takes over helping workers find other jobs. Consider holding job fairs. Publish the date, time and location in the local paper as well as online. On the day of the fair get attendees to hand in resumes, fill out applications, go through interviews, complete paperwork for background checks, etc. Have your staff on hand to promote the company, conduct interviews and make offers pending final review of all paperwork. Ask the best candidates to fill out hiring paperwork before they leave. Move people you hire immediately into training so they don’t lose interest. Remember the earlier comment about a growing company having an upward trajectory for its workforce? While things are at their busiest, make sure your salespeople keep working on the next round of growth. Consider moving some of your temporary workers into sales and customer service support positions when things slow down. Do everything possible to ensure the company has a steady growth track. Looking for a good book? Try “Recruiting, Interviewing, Selecting & Orienting New Employees” by Diane Arthur. Andi Gray is president of Strate�y Leaders Inc., strate�yleaders.com, a business-consulting firm that specializes in helping entrepreneurial firms grow. She can be reached by phone at 877-238-3535. Do you have a question for Andi? Send it to her via email at AskAndi@Strate�yLeaders.com or by mail to Andi Gray, Strate�y Leaders Inc., 5 Crossways, Chappaqua, NY 10514. Visit AskAndi.com for an entire library of her articles.

Westchester Knicks start campaign with sold-out home opener BY LEIF SKODNICK lskodnick@westfairinc.com

palpable enthusiasm for something new — the Westchester Knicks — filled the venerable Westchester County Center as the team opened their inaugural season Nov. 19. Founded this past off-season to develop prospects for the New York Knicks, the Westchester Knicks play in the NBA Development league. The league, which was founded in 2001 as a direct developmental pipeline to the NBA, has both stabilized minor league basketball and kept NBA prospects and players who can fill out a big league roster from having to go overseas to earn a paycheck. Player development, despite being part of the league’s name, is only one aspect of the league’s mission, the other being affordable entertainment. “This is good basketball, these are players who may end up playing in Madison Square Garden a week from now, a month from now, or a year from now,” Westchester County Executive Rob Astorino said. “This is quality basketball at a real affordable price. Madison Square Garden is expensive, a (New York) Knicks game is expensive, but here you can

get in for $10 and watch great basketball.” “We really want to make an environment that is great for families,” Westchester Knicks general manager Bill Boyce told the Business Journal during the offseason. “Families can bring their kids out and the kids can take away a memory that they can take with them for the rest of their lives.” That aspect was on display when the team played its first home game at the soldout County Center. Players exchanged fistbumps with fans on their way to the court, and former New York Knicks star and current assistant general manager Allan Houston signed autographs, mingling amongst the crowd. “It’s fantastic to be here. My mom was a public high school teacher here in White Plains, so it’s especially gratifying,” NBA Commissioner and Rye native Adam Silver told the Business Journal after taking photos with fans. “I came to events here when I was in high school in the ’70s, so it’s special.” While the Westchester Knicks dropped that first home game to the Canton (Ohio) Charge, the D-League affiliate of the Cleveland Cavaliers, the team was able to get its first win Nov. 21 against the Grand Rapids Drive by the score of 97-83. While the second

home game drew a slightly smaller crowd of 1,553, the County Center’s intimate seating arrangement for Westchester Knicks gets fans close to the game. “There isn’t a bad seat up here,” Boyce told the Business Journal as he walked the balcony concourse during the home opener. “We negotiated probably for six months to get a contract that was favorable to both sides,” said County Executive Robert P. Astorino. “We started from a position where we wanted to do it and the Knicks wanted to do it, and we said, ‘Let’s get it done’ and we

did. This is the culmination of a lot of hard work by a lot of people.” Astorino, who attended the Nov. 19 game with his children, said that the goodwill for the county generated by the Westchester Knicks is invaluable. “Westchester is one of the famous counties in America — it’s recognizable. But when you add the Knicks name to it, it adds a lot of cachet,” he said. “In the papers around the country tomorrow, it’s going to say ‘Westchester Knicks’ — hopefully that they won.”

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December 1, 2014

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County fears Algonquin pipeline expansion will harm parkland BY MARK LUNGARIELLO mlungariello@westfairinc.com

he expansion of a natural gas pipeline through the region would have a “dramatic and negative impact” on county parkland in the town of Cortlandt, Westchester County lawmakers say. The Federal Energy Regulatory Commission, or FERC, can rule this month on a proposal from Texas-based Spectra Energy Partners to expand the capacity of its Algonquin Gas Transmission pipeline by replacing 26-inch diameter pipes with 42-inch pipes. But members of a county Board of Legislators subcommittee are asking FERC to hold off on giving the green light on the expansion over concerns of its impact to the Blue Mountain Reservation in Cortlandt. “Our county parks staff has not had adequate time to review, nor have they been presented with any technical drawings or surveys, regarding the scope of work presented by Spectra Energy in its recent meeting in order to properly assess how

the proposed construct will impact Blue Mountain Reservation,” members of the board’s Labor, Parks, Planning and Housing Committee said in a Nov. 13 letter to FERC. The letter came the day following two meetings held by the committee discussing the pipeline expansion, specifically its expansion in Blue Mountain. The entire pipeline runs 1,127 miles and its path goes through Westchester, Rockland and Putnam counties. Jim Muskay, Spectra’s regional director for the project, presented an overview at the Nov. 12 committee meeting, saying that work at Blue Mountain would affect roughly 1.25 miles of a 26-inch pipe and a 30-inch pipe installed in the 1950s and 1960s, respectively. The work would include removal of mature trees and expanded construction access on the park’s right of way. Construction would be phased in a two-part excavation and re-excavation process that would remove the old pipe, then install the new, larger pipes. Legislator Peter Harckham, a Democrat

and chairman of the board subcommittee, said that the two meetings aimed to answer questions. “The process has, indeed, generated even more concerns about the unfortunate results that may be caused by the project and how much county parkland will possibly be harmed during the course of construction,” he said. Spectra had met with representatives from the office of Westchester County Executive Rob Astorino, a Republican, in January and discussed the plans for Blue Mountain. According to Harckham, a letter of memorandum about that meeting was forwarded to FERC but not to county legislators until November. He also said that county parks officials did not meet with representatives until Spectra or walk the property from several weeks ago. In the letter, addressed to FERC secretary Kimberly Bose, legislators said that testimony from Spectra representatives and others showed that a draft environmental impact statement filed by the company “contains significant inaccuracies and false information regarding the project impacts

within Blue Mountain Reservation.” The full Board of Legislators had formally voted in August to ask for stricter review of the overall expansion plan. In that vote, lawmakers asked state and federal agencies to require independent health assessments, safety reviews and environmental analyses on the company’s dime. In the U.S., someone is either injured or killed in a natural-gas-related accident every nine days, according to Harckham. The board’s calls come after heated backlash from some residents and the formation of a grassroots organization called Stop the Algonquin Pipeline Expansion, which collected 20,000 signatures on an anti-expansion petition. John Ravitz, executive vice president of The Business Council of Westchester, said in a recent interview that the council supported the expansion because it could create jobs and reduce energy costs. “Obviously the demand for natural gas is growing, so we want to have projects that make sense,” he said. “Just saying ‘no’ doesn’t get you there.”

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THELIST: HOSPITALS RANKED BY NUMBER OF BEDS. LISTED ALPHABETICALLY IN EVENT OF TIE.

HOSPITALS

WESTCH NE COMMERCIAL REA

WESTCHESTER COUNTY

Ranked by number of beds. Number of beds

Total number of employees

Unique departments or services

St. John's Riverside Hospital

Ronald J. Corti Paul Antonecchia, MD 1869

407

More than 1,500

Facilities include Andrus Pavilion, Dobbs Ferry Pavilion, ParkCare Pavilion, Cochran School of Nursing and Malotz Skilled Nursing. Specialized services include bariatric surgery program, hernia center, interventional radiology center, orthopedic surgery center, accredited cancer and breast programs. Hospital is five-star recipient of excellence in maternity care from Healthgrades

Westchester Medical Center

Michael D. Israel Renee Garrick, MD 1977

383

More than 5,000

Facility includes Maria Fareri Children’s Hospital and Behavioral Health Center. The hospital includes: the only Level I Trauma Center for adult and pediatrics with 24-hour helicopter and ground transportation; the only organ transplant center for patients requiring kidney, liver, heart, corneal and bone marrow transplants; the only full-service heart center; the only burn center between New York City and north to Canadian border; the only children's hospital in the region; the only pediatric ICU; and the only Level IV (highest level) Neonatal ICU

White Plains Hospital

Susan Fox Michael J. Palumbo, MD 1893

292

Steve Corwin MD * Richard S. Liebowitz, MD, MHS, SVP 1909

291

More than 1,100

Steve Corwin MD Richard S. Liebowitz, MD, MHS, SVP 1894

More than 250

Complete continuum of psychiatric care for children, adolescents, adults and the elderly; specialty areas include child adolescent, geriatric, anxiety and mood disorders, eating disorders and depression

Montefiore Health System - New Rochelle Division

Steven M. Safyer, MD Andrew Racine, MD, PhD 1884

242

More than 1,600

Montefiore Health System consists of six hospitals and is the university hospital and academic medical center for Albert Einstein College of Medicine. Specialized centers include the Centers of Excellence in cancer care, cardiovascular services, the children’s hospital, transplantation and neurosciences hubs of multidisciplinary expertise

Phelps Memorial Hospital Center

Keith F. Safian FACHE Franklin Zimmerman, MD 1956

238

More than 1,700

Northern Westchester Hospital

Joel Seligman Marla Koroly MD 1916

235

Saint Joseph's Medical Center

Michael J. Spicer FACHE Barry B. Perlman, MD 1888

194

More than 1,200

Rank

CEO/president Medical director Year hospital established

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

967 N. Broadway, Yonkers 10701 964-4444 • riversidehealth.org

100 Woods Road, Valhalla 10595 493-7000 • westchestermedicalcenter.com

41 E. Post Road, White Plains 10601 681-0600 • wphospital.org

New York - Presbyterian Lawrence Hospital

55 Palmer Ave., Bronxville 10708 787-1000 • lawrencehealth.org

New York - Presbyterian Westchester Division

21 Bloomingdale Road, White Plains 10605 682-9100 • nyp.org/psychiatry

16 Guion Place, New Rochelle 10801 632-5000 • montefiorehealthsystem.org

Route 9 at Route 117, 701 N. Broadway, Sleepy Hollow 10591 366-3000 • phelpshospital.org

400 E. Main St., Mount Kisco 10549 666-1200 • nwhc.net

127 S. Broadway, Yonkers 10701 378-7000 • saintjosephs.org

The Burke Rehabilitation Hospital

Hudson Valley Hospital Center

12 13

785 Mamaroneck Ave., White Plains 10605 597-2500 • burke.org

1980 Crompond Road, Cortlandt Manor 10567 737-9000 • hvhc.org

Maria Fareri Children's Hospital at Westchester Medical Center

100 Woods Road, Valhalla 10595 493-7000 • westchestermedicalcenter.com/mfch

Blythedale Children's Hospital 95 Bradhurst Ave., Valhalla 10595 592-7555 • blythedale.org

December 1, 2014

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Specialized centers for cancer, sleep medicine, emergency department and maternity programs. Specialized medical services include cardiology services, obstetrics and gynecology, opthamology department, pain management, palliative care, pastoral care, pediatrics and geriatric services. Community-based services include Lawrence Home Care of Westchester, Lawrence Medical Associates, Jansen Hospice and Palliative Care and the Bereavement Center of Westchester

Services include alcohol and substance abuse treatment, asthma, balance center, behavioral health, blood donor services, bone densitometry, cardiac rehabilitation, critical care unit, decontamination unit, endoscopy, Thomas E. and Alice M. Hales Endoscopy Unit, asthma center, hospice, sleep disorders, stroke center, urology, Institute for voice and swallowing disorders, wound healing Specialty services include the breast institute, the cancer treatment and wellness center, clinical trials, emergency department, Gamma Knife Center, general surgery and robotics, orthopedic and spine surgery, radiology and women’s imaging, rehabilitation, weight loss surgery, aesthetic surgery and medicine and Laurie Bass Sklaver Infusion Center

Center also includes Saint Joseph’s Hospital Nursing Home/Sister Mary Linehan Pavilion, a 200-bed nursing home. Hospital has one of the busiest emergency departments in Westchester County

Mary Beth Walsh, MD Mary Beth Walsh, MD 1915

150

755

The only hospital in Westchester County entirely dedicated to rehabilitation medicine. Treatment provided for patients having suffered from a stroke, spinal cord injury, brain injury, amputations, joint replacements, complicated fractures, cardiac disease, arthritic and pulmonary disease as well as neurological disorders such as Parkinson’s disease and Multiple Sclerosis

John C. Federspiel William B. Higgins* 1889

128

1210

Region’s only full-service, 24-hour “no wait” emergency department; all digital surgery center with six operating rooms; 10-bed ICU; 14-bed progressive care unit; women’s pavilion for birthing with private rooms; neonatal intensive care unit; John M. Zarcone Cadio-Pulmonary Rehabilitation Center; center for rehabilitation services; center for diagnostic imaging; wellness club; institute for wound care and hyperbaric medicine; bariatric surgery; digestive health center; and center for sleep medicine

Michael D. Israel Renee Garrick, MD 2004

127

Included in figure for Westchester Medical Center

The region’s only intensive care unit designed specifically for pediatric care; Level IV and only (most sophisticated) neonatal intensive care unit in the region; Ronald McDonald House of the Greater Hudson Valley located nearby; family resource center; headquarters for the Hudson Valley’s Regional Perinatal Center; one of only five American Lung Association-sponsored pediatric asthma clinical research centers in the U.S.; specialized pediatric hematology/oncology center; pediatric organ transplant center in the region; child life and creative arts therapy programs

Larry Levine Scott Klein, MD, MHSA 1891

One of only 19 pediatric specialty hospitals in the U.S.; the first hospital in the U.S. to develop a postNICU/PICU program; New York state’s only children’s hospital with its own K-12 public school district; specialized services, including ventilator weaning, traumatic and acquired brain injury, pre- and postorgan transplants, spinal cord disorders and neuromuscular and genetic disorders

This is a listing of hospitals that serve the region. If you wish your hospital to be included in our next listing, please contact Danielle Renda at drenda@westfairinc.com. Note: Information gathered from hospital websites. * CEO and CMO of New York Presbyterian, not individual hospitals. NA Not available

Hospital includes William & Sylvia Silberstein Neonatal & Maternity Center, Level III Charles A. Mastronardi NICU, cardiology program, full-service Joan and Alan Herfort, MD Cardiac Catheterization Laboratory, Ruth & Jerome A. Siegel Stroke Center, cancer program, Flanzer Center for Emergencies and Critical Care, bariatric surgery center, diabetes education and treatment center, Carl Weber, MD Wound Care Center and behavioral health services

Satisfi’s pitch is a hit with WCA panel BY JOHN GOLDEN jgolden@westfairinc.com

New Jersey-based startup that has developed a mobile app as a customer feedback tool for businesses won a $10,000 cash prize and a year of rent-free office space in Westchester County at the recent Pitch Night contest sponsored by the Westchester County Association. The Nov. 18 contest, which featured presentations from eight startup entrepreneurs, was part of the WCA’s observance of Global Entrepreneurship Week in the county. Events also included the WCA’s inaugural Women In Tech awards luncheon and the annual WCA Fall Leadership Dinner at which four leaders in health care and real estate in Westchester were honored. David Montoya and Neil Magnus, founders of Satisfi Inc., won the contest grand prize for their mobile app that provides real-time, two-directional customer feedback and problem resolution between consumers and businesses. The company is based in Montvale, N.J., and seeking a home in Westchester, according to WCA officials. John Ritacco, a contest judge and president and CEO of CMS Bank, in a press release said Satisfi’s founder presented “a

unique concept, with a platform that has the ability to give customer feedback to companies of all types. This is how millennials do business, and how they communicate today. It’s an awesome concept, and one that is poised to scale and grow.” Satisfi with the victory joins the WCA’s Blueprint Accelerator Network for new businesses, which will give the company’s entrepreneurs free professional services, advertising in local media and access to financing and mentoring in Westchester in addition to the rent-free office space. Five runners-up for the grand prize competed for a separate junior prize with their business plans and presentations. Courage Health, a startup in White Plains founded by Ryan Villanueva, won the $2,500 junior pitch contest prize. The company has developed a mobile app that presents cognitive behavioral therapy and relaxation techniques to treat incidents of depression and anxiety. Serving with Ritacco as pitch contest judges were Christina Bechhold, cofounder and managing director of Empire Angels; Andrew Ackerman, managing director of Dreamit Ventures New York; Jeffrey Borenstein, consultant at The Small Business Oracle; John Cohn, managing

ive of the most accomplished people in health care technology shared the stories of how they ascended to the top of their field at the Westchester County Association’s first Women in Tech awards luncheon Nov. 19 at the Tappan Hill Mansion in Tarrytown. The honorees were: Doris Bucher, New York Medical College, whose flu vaccine is distributed to more than 500 million worldwide annually; Chau Dang, Memorial Sloan Kettering, who has worked on slowing the growth of aggressive breast cancer; Kathleen Friel, Burke Medical Research Institute, who has cerebral palsy and works with children with cerebral palsy; Julia Gregory, ContraFect, who leads a biotech company focused on infectious disease therapy, and Soo Young Yang, Histogenetics, who has revolutionized genome typing for cancer and transplant patients.

From left, Jeffrey Borenstein, The Small Business Oracle; Christina Bechhold, Empire Angels; Jeff Cohn, Diamond Capital Advisors; Marissa Brett, WCA; Randall Newman and Rungson Samroengraja, Satisfi; John Ritacco, CMS Bank; and Stanley Freimuth, Debt Resolve. Photo by Lynda Shenkman Curtis

director at Diamond Capital Advisors; and Stanley Freimuth, CEO of Debt Resolve. More than 700 WCA members and guests attended the organization’s fall leadership dinner Nov. 20 at the Westchester Marriott in Tarrytown. Receiving leadership awards were Steven M. Safyer, presi-

dent and CEO of Montefiore Health System; William V. Cuddy Jr., executive vice president of CBRE Inc. and chairman of the WCA Blueprint for Westchester; Laura L. Forese, president of NewYork-Presbyterian Healthcare System; and Robert A. Glazer, CEO of ENT and Allergy Associates.

Women in Tech 1

1. Randi Schwartz, Rob Amler and Doris Bucher, all of New York Medical College. 2. Chau Dang of Memorial Sloan Kettering. 3. Soo Young Yang of Histogenetics. 4. Marissa Brett of the WCA and Kathleen Friel of Burke Medical Research Institute. 5. Manoush Zomorodi of WNYC and Julia Gregory of ContraFect.

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PRESENTED BY:

PLANNING AHEAD

A YEAR IN REVIEW… 2014 SPOTLIGHT ORGANIZATIONS

JUNE

OCTOBER

Hudson Information Technology for Community Health (HITCH)

The Leukemia & Lymphoma Society (LLS) exists to find cures and ensure access to treatments for blood cancer patients. Today, LLS funds research to advance more breakthrough therapies for blood cancer patients. To date, LLS has invested nearly $1 billion in research to advance therapies and save lives. LLS research grants have funded many breakthroughs, including targeted therapies and immunotherapies. Once unimaginable, now new safe and effective treatments are saving lives today. And, advances are far-reaching. Between 2000 and 2012, almost half of the cancer drugs newly approved by the FDA were developed first for blood cancer patients, and many of these were advanced with funding from LLS. Many of these therapies are also helping patients with other cancers

Hudson Information Technology for Community Health (HITCH) was founded in 2010 to support community health centers in the provision of high-quality health care to communities in Westchester County and across New York’s lower Hudson Valley, as well as New York City and Long Island. HITCH works with its sponsors, three federally qualified health centers (FQHCs), Open Door Family Medical Centers Inc., HRHCare Community Health and the Institute for Family Health, to implement programs that enhance the access to and quality of health care for the medically underserved. In Westchester and throughout the area, HITCH seeks to create a “Patient-Centered Medical Neighborhood” building on the way its sponsors currently provide services: putting the patients at the center, working in teams to coordinate and track care over time and making extensive use of information technology to assure that patients get the indicated care when and where they need and want it. For more information about HITCH and their programs, visit www.hitch.org or call 488-6400.

Music Conservatory of Westchester

For more than 80 years, the Music Conservatory of Westchester has offered high-quality music education to students of all ages, abilities and ambitions, regardless of background or financial means. The Conservatory’s Scholarship Program provides more than $100,000 in tuition assistance each year for students with financial needs. Their acclaimed Music Therapy Institute offers music therapy and adapted instruction for those with special needs, serving more than 1,500 individuals in partnership with 30 schools and agencies. Located in the heart of Westchester, the beautiful 36,000-square-foot fully renovated building features 43 teaching studios, two dance studios and a state-of-the-art recital hall. Since its founding, it is estimated that the Conservatory has trained more than 80,000 students, many of whom have become professional musicians, teachers at universities and public schools, as well as regular concertgoers, thus contributing to the vitality for the field of music in Westchester, the northeast region of the United States and beyond. For more information, visit www. musicconservatory.org or call 761-3900.

Boys & Girls Club of Northern Westchester

JANUARY

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With a focus on youth development, healthy living and social responsibility, The YMCA of Central & Northern Westchester is a charitable organization that connects people of all ages and backgrounds to bridge the gaps in community needs. The YMCA of Central and Northern Westchester serves approximately 8,000 youth and adults yearly from three branches: White Plains Family YMCA, Community YMCA in Somers, and Camp Combe in Putnam Valley. The YMCA offers daycare, after-school, camp, aquatics, teen leadership programs, a residence, health and wellness classes and gym facilities. The YMCA serves the most marginalized citizens, many under age 18. Y programs and services improve truancy prevention, high school graduation rates and prevention of risk behaviors. The YMCA logged 32,116 volunteer hours through board service, work projects, program delivery and teen volunteer efforts, fulfilling their commitment to social responsibility. For volunteer or program information, contact Anne Ring at aring@ymca-cnw.org.

The Leukemia & Lymphoma Society

APRIL

December 1, 2014

and other serious diseases. Today, LLS is the world’s largest voluntary health agency dedicated to finding cures for leukemia, lymphoma, myeloma and other blood cancers. Thanks to research, survival rates for patients with many blood cancers have doubled, tripled and even quadrupled since 1960. For more information about LLS or ways to donate, please visit www.lls.org or call 949-5213.

FEBRUARY

AUGUST

The Hearing Loss Association of America (HLAA)

The Hearing Loss Association of America (HLAA) is the nation’s largest organization for people with hearing loss. Since 1979, HLAA has worked to eradicate the stigma associated with hearing loss and raise public awareness about the need for prevention, treatment and regular hearing screening. HLAA’s mission is to open the world of communication to people with hearing loss by providing information, education, support and advocacy. The Westchester Chapter of HLAA was founded in 1983. On April 24, the Westchester Chapter of the HLAA unveiled Greenburgh Public Library’s state-of-theart audio induction loop, which came as a donation from the local chapter’s 2013 Walk4Hearing proceeds. An audio induction loop makes it possible for people with hearing devices to listen to and enjoy events that require public address systems that would otherwise be inaudible. Greenburgh Public Library, one of the largest free libraries in Westchester, is the first in the county to receive a system of this kind. For more information, visit www.hlaawestchester.org.

Founded in 1995, The Play Group Theatre has provided conservatory-quality theatre education, in a fun and nurturing environment, to children and teens in Westchester. For nearly 20 years, the Play Group Theatre stage has been home to big musicals, new plays, Shakespeare, comedies and drama – all performed by Westchester’s young emerging artists, guided by caring professional directors, choreographers, music directors, designers and teaching artists. Located in the heart of downtown White Plains, The Play Group Theatre’s 20,000-square-foot facility features a 228 fixed-seat MainStage theatre and a flexible seating black box theatre, as well as three rehearsal studios and fully equipped scenic and costume shops. Central to The Play Group Theatre’s mission is providing access to quality theater arts education to the entire community, regardless of financial means. Hundreds of scholarships have been awarded, which enable kids and teens to participate in PGT programs, free community performances are regularly offered and the Arts in Education program brings the magic of theater into local classrooms. For more information, visit www.playgroup.org or call 946-4433.

YMCA of Central and Northern Westchester

MAY

SEPTEMBER

Hospice & Palliative Care of Westchester (HPCW)

Hospice & Palliative Care of Westchester (HPCW) is a private, not-for-profit health care organization that provides skilled, compassionate and comprehensive end-of-life care to patients diagnosed with any life-limiting illness, while giving support to their families and loved ones. HPCW not only provides medical, emotional and spiritual care, but also offers fulfilling programs, free of charge, encompassing the entire health care spectrum. HPCW bereavement programs continue to give support to patients’ families for 13 months following the loss of their loved one. For more information regarding services, programs, and bereavement support groups offered by HPCW, please contact 682-1484 or visit www.hospiceofwestchester.com.

Since 1982, Greyston – one of the world’s leading social enterprises – has been creating jobs and providing integrated programs for southwest Yonkers’ individuals and their families to help them move forward on their path to self-sufficiency. Using its pioneering employment model, Open Hiring, combined with the philosophy of PathMaking, Greyston provides jobs to anyone who comes to the world-famous Greyston Bakery with a willingness to work. Greyston believes that through PathMaking, which represents both a program at Greyston as well as a set of guiding values, individuals become more self-reliant and begin to impact the community in a positive way. In addition to providing jobs to the hard to employ, the bakery supports Greyston’s social service programs, which include affordable housing, workforce development in multiple industries, childcare and Greyston’s Community Gardens. For more information on Greyston’s programs and offerings, contact Jonathan Greengrass at 376-3900, ext. 295, or jonathang@greyston.org.

The Play Group Theatre

United Way of Westchester and Putnam

For the past 52 years, United Way of Westchester and Putnam has operated with the fundamental belief that all people deserve a quality education, enough income to support a family and opportunities for a healthy lifestyle. United Way’s yearround programs and services strengthen the community in the following focus areas: education, income and health. United Way’s 2-1-1 of the Hudson Valley region is a free, confidential, multilingual information and referral helpline, covering Westchester and Putnam as well as Dutchess, Orange, Rockland, Sullivan and Ulster counties. It answers hundreds of calls and online inquiries per day ranging from tax, heating and mortgage questions to childcare, basic needs, natural disaster and crisis calls. United Way of Westchester and Putnam is located at 336 Central Park Ave., White Plains, NY 10606 and can be reached at 997-6700 or www.uwwp.org.

Greyston

MARCH

Cancer Support Team was founded in 1978 and is proud to celebrate its 36th year of providing licensed home care and supportive service to residents of lower Westchester County who are coping with a cancer diagnosis. Cancer Support Team’s mission is to enhance the quality of life of patients and families affected by cancer. The goal is to increase access to essential health care services, by providing professional nursing, social work, case management and other supportive services free of charge and without regard to insurance coverage to clients at any stage of the illness. Cancer Support Team’s core services include skilled nursing, care management, pain and symptom control, nutritional guidance, education, individual, family and group counseling, referral to community agencies, patient advocacy, financial and transportation assistance and bereavement services. Cancer Support Team nurses, social workers and case managers collaborate with hospitals and community agencies to ensure that care is comprehensive and coordinated. Cancer Support Team is located in Purchase and can be reached at 777-2777 or www.cancersupportteam.org.

JULY

NOVEMBER 16

Cancer Support Team

Now celebrating its 75th year, the Boys & Girls Club of Northern Westchester (BGCNW) has long served the community by providing children a safe and nurturing environment that encourages leadership, good character, and personal growth. Currently, 1,700 youth from more than 60 northern Westchester communities attend the Club. Steeped in more than seven decades of history and community service, the Club has become a cornerstone of Westchester County, and over the years has had a positive and significant impact on more than 100,000 children and 10,000 volunteers, staff and board members. With the Club’s unique programs and inclusive atmosphere, children have discovered their passion, enriched their education and discovered lifelong friendships. From early childhood education and cultural arts courses to sports leagues and teen groups, the Club boasts a broad array of programming to achieve its vision of bringing out the very best in each and every child. BGCNW is located at 351 Main Street, Mount Kisco, and can be reached at 666-8069 or by visiting www.bgcnw.com.

FEBRUARY 6, 2015

“TAKE HEART AGAINST HUNGER” VALENTINE’S DAY WINE-TASTING DINNER Benefiting: The Food Bank for Westchester Celebrate Valentine’s Day with a special evening of delectable food paired with fine wines. This elegant evening features the culinary talents of Abigail Kirsch Catering Relationships’ Master Chef John D’Arcangelo and his staff combined with fine wines and spirits donated by Pernod Ricard USA. Raffle and live auction. TIME: 6 to 9 p.m. LOCATION: Abigail Kirsch Tappan Hill Mansion, Tarrytown TICKET price: $300 per person; journal and sponsorship opportunities available CONTACT: April Langus at 418-5205 or april.langus@foodbankforwestchester.org

NATIONAL WEAR RED DAY Benefiting: The American Heart Association It’s time to shout louder, stand stronger and Go Red For Women. One day a year, what you wear is a matter of life and death! Whether it’s your home, your local landmark or with your coworkers or book club, show your support for women fighting heart disease by painting your town red. It’s a simple, powerful way to raise awareness and help the American Heart Association support ongoing research and education about women and heart disease. CONTACT: Call 640-3262 or visit www.goredforwomen.org

& Invite You To The Ninth Annual

“YOU are ‘Cause’ for Celebration!” Annual Holiday Party Thursday December 11, 2014 6:00PM – 9:00PM The C.V. Rich Mansion 305 Ridgeway, White Plains, NY 10605 RSVP by Thursday, December 4, 2014 To register go to www.hrginc.net/invite.htm Call (914) 761-7111 for more information or email Jenna@hrginc.net

SPONSORED BY:

SUBMIT YOUR EVENT Westchester not-for-profit organizations are invited to promote their special events in “Planning Ahead.” To submit an event, visit www.HRGinc.net and click on “Planning Ahead” or for more information, please call 761-7111.

As we look back over 2014, we realize that Nonprofit Westchester’s advocacy efforts for nonprofits in the county have made a huge impact in our community. We started the year with an economic impact study in partnership with The Johns Hopkins University Center for Civil Society Studies. The report revealed that the nonprofit sector employs more people than any other area with 53,987 people, or 13.6 percent, of the county’s total workforce. Nonprofits grew by 8.4 percent over the last decade. Because we knew this information was important to residents, decision makers and government leaders, we took the study on the road to County Executive Robert P. Astorino, mayors of the county’s major cities, the Board of Legislators, business organizations and other civic groups. The response was incredibly positive. Also noteworthy, Nonprofit Westchester launched #GivingTuesday in the county in partnership with The Journal News and lohud to encourage residents to give where they live in the form of dollars and time. We also held various networking events on topics important to our sector and we welcomed dozens of new -Joanna Straub members to our organization. Executive Director, If you thought 2014 was great, wait Nonprofit until next year! Nonprofit Westchester Westchester has a lot to look forward to in 2015.

is an annual event sponsored by area businesses to recognize the hard work and dedication of not-for-profit workers who do so much for those in need here in our community.

Thank You! This party offers a unique opportunity to network with your peers and celebrate! Please join us for some great food, entertainment and door prizes.

Because at this party...

“YOU are ‘Cause’ for Celebration!”

Events are compiled in cooperation with Association for Development Officers Inc. www.adoonline.org

A BANNER YEAR FOR NONPROFITS

“YOU are ‘Cause’ for Celebration!”

PHOTO GALLERY

8th Annual Not-For-Profit Educational Leadership Summit

Hospitality Resource Group is your “Total Business Link” for all of your meeting and special event needs. www.HRGinc.net 914-761-7111 info@hrginc.net The 8th Annual Not-For Profit Educational Leadership Summit was a great success on Monday, November 17, 2014. Over 100 Westchester County not-for-profit business leaders joined for a day of education, networking and fun at the Westchester Marriott in Tarrytown. The day was capped off by Hospitality Resource Group’s “Shark Tank” themed case study competition.

OUR FAMILY OF COMPANIES

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SPECIAL REPORT INVESTMENT STRATEGIES

Investing in Westchester’s biotech surge Risks unique to the industry must be examined

BY LEIF SKODNICK lskodnick@westfairinc.com

nce a stalwart of corporate headquarters, Westchester County has been reinventing itself as a center for biotechnology research. Firms like Acorda Therapuetics Inc., Regeneron Pharmaceuticals Inc., ContraFect Corp. and Progenics Pharmaceuticals Inc., all headquartered in the county, are developing new and innovative treatments for diseases. Some, like Regeneron’s Eylea, a drug that treats swelling inside the eye, have gained approval from the U.S. Food and Drug Administration and are reaping profits. Others, like the treatments ContraFect is developing for diseases like influenza and MRSA, are still being developed. “We’re not so stuck in what we do next — we’ve found what we do next in Westchester,” Westchester County Association President Marissa Brett told WAG magazine, the Business Journal’s sister publication, recently. “We’re seeing more and more, whether it’s tech companies developing software for (biotechnology), or research and development. We’ve planted the flag saying, ‘We are going to capitalize on this and really create an identity for ourselves.’” With the approval and marketing of drugs, the companies — and their investors — hope to make a profit. But how does an investor get in on Westchester County’s biotech boom? The obvious way is to simply buy stock in Westchester County-based biotech firms. Regeneron, Acorda, ContraFect and Progenics all are publicly traded companies. But with straight stock investment comes risk, and investors have to parse a lot of data to evaluate that risk. For example, Acorda and Regeneron are billion-dollar corporations — Acorda has a market capitalization (the total value of all its outstanding stock) of about $1.4 billion, while Regeneron’s market capitalization is more than $41 billion. Regeneron Pharmaceuticals trades at about $400 per

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The stock prices of Regeneron Pharmaceuticals, in blue, and Acorda Therapuetics, in red, from Jan. 1 to Nov. 25. Source: Yahoo Finance

share, while Acorda Therapeutics trades for about $36 per share. Both stocks trade on the Nasdaq. “The literature shows that $30 is the sweet spot, meaning that there’s an optimal mix of retail and institutional investors,” said Padma Kadiyala, a professor of finance at Pace University’s Lubin School of Business. “As share price goes up, the number of investors that can afford to buy shares of the stock goes down. It’s harder for mom and pop to invest in stocks with share prices over $100.” Kadiyala explained that shares of stock trading between $30 and $100, such as Acorda, are more liquid than stocks trading at higher prices, such as Regeneron. Because those shares are more liquid, they also get more attention and coverage from securities analysts, who examine corporate financial data to determine investment risk. And because there is more analysis of the stocks for investors to peruse, it’s easier, at least in theory, for them to make a determination. Analysts, when reporting their research on a corporation, generally assign a rating to the stock, which may be expressed as “buy,” “hold,” “sell,” or a number of stars or rating on a scale.

For example, S&P Capital IQ’s Nov. 22 report on Regeneron rated the stock a “buy” and gave it four stars out of five. “Our risk assessment reflects our view that (Regeneron) is nearing approval of additional indications for Eylea, which we expect to provide revenue diversification,” S&P Capital IQ analyst Jeffrey Loo said in the report, which assessed Regeneron’s risk as “medium.” “In addition, we see the company advancing a robust clinical pipeline in collaboration with Sanofi, which has contributed significant R&D funding, easing the pipeline’s risk profile, in our view. Still, we see development risk given the competitive environment for key pipeline candidates in large target markets.” Meanwhile, on Nov. 21, Ford Equity Research rated Regeneron as a “sell,” based on the stock’s earnings strength and relative valuation. While Regeneron has posted positive earnings per share, those earnings “have declined to an estimated $3.62 from $3.80 (per share) over the past five quarters, they have shown deceleration in quarterly growth rates when adjusted for the volatility of earnings. This is an indication of weakness that could lead to declining earnings,” the report said. Ford Equity

Research said it feels that despite positive stock price movement (in 2014, Regeneron’s stock is up nearly 50 percent), the stock is overvalued. “The investor needs to be aware of the risk,” said Kadiyala. “When it comes to biotech, no matter how much info that’s out there, it’s difficult to evaluate the risk.” Companies in the biotechnology sector have unique risks, such as the possibility that the drug the company spent hundreds of millions researching over several years does not get FDA approval. “It can be difficult to figure out what’s idiosyncratic risk and what’s market risk,” Kadiyala said. Kadiyala said less-sophisticated investors can mitigate that idiosyncratic risk by investing in index funds or exchange-traded funds that invest in the biotech sector. Those funds generally have experienced analysts picking the stocks that the fund invests in to spread out the risk. “It seems to be better rather than to invest in companies that are highly specific to invest in a fund, because of the information parsing,” Kadiyala said. Currently, 71.2 percent of Regeneron’s stock and 90.3 percent of Acorda’s stock is held by institutions or mutual funds.

INBRIEF FDIC: 1 IN 5 HOUSEHOLDS HAVE POOR BANKING ACCESS One in five households in the U.S. were underbanked last year, with poor access to normal banking services, while about 9.6 million households representing 25 million people had no bank accounts at all, according to recently released survey findings by the Federal Deposit Insurance Corp. The 2013 FDIC National Survey of Unbanked and Underbanked Households found the proportion of unbanked households declined from 8.2 percent in 2011 to 7.7 percent in 2013, while the share of underbanked households remained essentially unchanged at 20 percent. The decrease in the proportion of the unbanked can be explained by improving economic conditions and the changing demographic composition of households, according to FDIC officials. The FDIC conducts the survey every two years in partnership with the U.S. Census Bureau to inform the banking industry and policymakers on the demographics and needs of unbanked and underbanked residents. The survey found that underbanked households were more likely to use mobile banking devices to access their accounts than other groups — 29.2 percent of underbanked households compared with 21.7 percent of fully banked households. Other key findings include: • A 0.5 percent decline in the proportion of unbanked households from 2011 to 2013 is estimated to comprise 1.5 million people and more than half a million households. • One in five, or 24 million, households were underbanked in 2013, consisting of an estimated 68 million people. • 35.6 percent of unbanked households said they had insufficient money to keep in an account or meet minimum balance requirements. • 34.1 percent of households that recently became unbanked experienced either a significant income loss or job loss. • 22.3 percent of unbanked households reported using a prepaid debit card in the prior 12 months, compared with 13.1 percent of underbanked and 5.3 percent of fully banked households. • One-quarter of households have used at least one alternative financial service such as nonbank check cashing or payday loans in the past year. Four in 10 unbanked and underbanked households used an alternative in the past 30 days. The FDIC made three recommendations based on survey findings to better meet consumers’ needs:

• Develop strategies to help households maintain or renew banking relationships through economic transitions such as job loss. • Explore opportunities to deploy and market checkless checking accounts and other options to meet the transactional needs of households. • Integrate mobile banking initiatives with branch-based strategies in overall efforts to address consumers’ needs.

WHY I’M TERRIBLY FRUSTRATED WITH “FINANCIAL ADVISORS” (And You Should Be Too!) By Bob Reby, CFP®

O’CONNOR DAVIES EXPANDS INTO D.C. METRO MARKET O’Connor Davies LLP, a national accounting and consulting firm with a regional office in Harrison, completed its fifth expansion deal this year with the recent acquisition of Grubman Anand PC, a tax and auditing firm in Bethesda, Md., that specializes in affordable housing. The deal brings O’Connor Davies into the Washington, D.C., metro market. A spokeswoman said it is the fifth merger with a highly specialized firm that O’Connor Davies has completed in the last 10 months. In the last two years, the firm, headquartered in New York City, has grown from 399 professionals to more than 550, she said. “O’Connor Davies is growing quickly through strategic partnerships with highly specialized firms that bring the deep expertise our clients demand while aligning with the values and culture that have helped set us apart for years,” Kevin J. Keane, O’Connor Davies managing partner, said in a company announcement. “Our ability to identify top performers and provide them with support and proven processes has been the key to our ability to scale quickly and stay ahead of the needs of U.S. and global clients.” Grubman Anand’s work for more than three decades in the affordable housing sector includes low-income housing tax credit partnerships, properties assisted by the U.S. Department of Housing and Urban Development, and other government-subsidized and supportive housing entities. With the acquisition, O’Connor Davies has eight offices in four states.

STOCK FUND OPENS IN RYE Investment manager Daniel J. Barach has launched a stock fund in Rye focused exclusively on turnaround companies. Turnaround Stocks LP opened in July at 411 Theodore Fremd Ave. A Mamaroneck resident, Barach founded and managed the hedge fund MLT Capital LP in New York City for 11 years and later spent two years as a consultant to Dillon Hill Capital LLC in Armonk. He temporarily retired in 2012 before deciding to launch a new stock fund. — John Golden

Is your financial advisor minimizing the risks to your family’s lifestyle? Most people we meet are extremely vulnerable to at least half of the risks covered in our risk assessment Scorecard.

Reby Advisors provides conservative financial planning advice to more than 400 families, managing over $350 million in assets for people at all levels of wealth. We have five CFP® professionals on our team and will celebrate 30 years in business next year. Most people we’ve met over the past 30 years already had “financial advisors.” We know where these advisors leave their clients vulnerable.

Here are just a few examples of the common problems we see: 1. 2. 3. 4. 5. 6.

Their fees are too high. Transparency is still a problem. They don’t minimize your income taxes. Their clients fail our risk assessment test. They have the wrong definition of income. They put your money in the wrong investments in the wrong places.

These six points are merely the tip of the iceberg. In fact, we’ve never met with an individual or family—regardless of whether they have an advisor—who scored higher than a 65 out of 100 on our risk assessment test.

That’s why I urge you to contact us at (203) 790-4949 to schedule a financial consultation – no cost and no obligation. Even if you’re not interested in switching financial advisors, this is an opportunity to get a second opinion on whether your current portfolio and financial plan have you on track to reach your lifestyle goals. Securities offered through Triad Advisors. Member FINRA/SIPC. Advisory services offered through Reby Advisors. Reby Advisors not affiliated with Triad Advisors.

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December 1, 2014

BY ANTHONY M. LEONARDI

Understanding.

R We sit on the same side of the table as our clients, and provide advice based on a deep understanding of their needs. Creating longterm relationships that are built on trust is our ultimate goal.

Donna Goldman, CFP® Senior Director – Investments

The retirement income fallacy

oughly 10,000 baby boomers will turn 65 today and about 10,000 more will cross that threshold every day for the next 19 years, according to Pew Research Center population projections (“Baby Boomers Retire,” Dec. 29, 2010). The financial services industry, as a whole, recognizes there is a retirement boom in the making and they are positioning themselves to scoop up billions in retirement investment dollars. In many cases, their tools of choice are colorful and attractive, yet rudimentary, modeling programs for their sales force to mass market to potential new clients. However, there are several problems inherent within basic modeling programs. Primarily, they look at retirement income planning as a linear, straight line modeling function, assuming that average returns will be made every year from the first year of the model to the last year of the model. For instance, if it is assumed that the average annual return in a retirement model is going to be 7 percent, the model will calculate a 7 percent return each and every year for the life of the model. The fallacy in this model, and in all linear models, is that the real world does not work in a

straight line and neither do the investment markets. It would be highly unreasonable to believe that any investment portfolio could return a steady 7 percent year after year for decades. Average returns over long periods of time may not paint a reliable picture in a retirement plan. The volatility that occurs naturally in the investment markets needs to be understood and considered when utilizing linear models. Let’s take a look at a hypothetical example: John just turned 65 and is ready to retire. He has accumulated $1 million in his 401(k). He will need a $50,000 per year pretax income in order to maintain his lifestyle and he would like to preserve his $1 million principal for his children when he passes. John and his financial adviser calculate he will have to produce a 7 percent per year average return on his investments in order to generate the 5 percent withdrawal rate needed ($50,000), adjusted for inflation. John’s adviser shows him an asset allocation model that has averaged 7 percent return per year for more than 20 years. John begins his retirement with $1 million. He withdraws $50,000 per year, adjusted

BEWARE Outside companies are soliciting BUSINESS JOURNAL

Howard Hirsch Senior Director – Investments

Oppenheimer & Co. Inc. 360 Hamilton Avenue White Plains, NY 10601 Toll Free: (866) 504-3746

http://fa.opco.com/goldman_hirsch Oppenheimer & Co. Inc. Transacts Business on All Principal Exchanges and Member SIPC

December 1, 2014

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

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

for inflation. After 30 years, he still has $1,131,014 to pass on to his heirs. But, what happens to this portfolio if we have two negative years to start retirement? In years 1 and 2, the account loses 7 percent. In years 3 through 29, we make our steady 7 percent return, and in year 30 the account earns 35 percent, for an average annual return of 7 percent, as suggested by the adviser. Because of two slightly negative years in a portfolio that was otherwise consistent in its returns, John runs out of money in year 25. Projections calculate that John will have a negative balance in his account of $832,307 in year 30. The two portfolios, which average a 7 percent return very consistently over a 30-year period, have projected ending values ranging from a high of $1,131,014 to a low of negative $832,307 in value. This is a range of $1,963,3212 — nearly twice the original starting portfolio value! There will always be volatility in the investment world. As you are accumulating retirement assets, volatility can work to your advantage when properly understood and managed. But, when you decide it’s time to retire and become responsible for creating your own paycheck from your savings, volatility can be one of your biggest challenges. Investing for accumulation takes a certain skill set, as well as a great amount of patience and time. Investing for retirement income requires a different level of understanding and a completely different skill set. Be sure to consult with an adviser who is well trained and experienced to provide adequate advice for those approaching, entering or trying to survive retirement. (The hypothetical examples used are for illustrative purposes only and are not indicative of any particular investment or investment performance. The examples assume no transaction costs, taxes, management fees or other expenses. Withdrawals from tax-deferred retirement accounts are taxed as ordinary income. Diversification may help reduce, but cannot eliminate the risk of investment losses. There is no assurance that by assuming more risk, you are guaranteed to achieve better results.) Anthony Leonardi is a private wealth adviser with Sagemark Consulting/Lincoln Financial Advisors in Rye Brook. He has been assisting investors for more than 20 years. Leonardi holds the certified financial planner designation and the chartered retirement planning counselor. He can be reached at 914305-9017 or anthony.leonardi@LFG.com.

FACTS& FIGURES BANKRUPTCIES MANHATTAN JSC Alliance Bank. 50 Furmanov St., Almaty, Republic of Kazakhstan 05004. Chapter 15, voluntary. Represented by Richard A. Graham and Scott G. Greissman. Filed: Nov. 20. Case no. 14-13194-shl. Katsura Construction Management Inc. 761 Bruckner Blvd., Bronx 10455. Chapter 11, voluntary. Represented by Arthur Goldstein and Jill L. Makower. Filed: Nov. 21. Case no. 14-13205-scc.

POUGHKEEPSIE Cognitive Cuisine LLC. 75 Wimmer Road, Hopewell Junction 12522. Chapter 7, voluntary. Represented by Miesha L.M. Rodriguez. Filed: Nov. 19. Case no. 14-37301-cgm.

COURT CASES Bayer HealthCare Pharmaceuticals Inc. Filed by Jalyssa Burton. Action: diversity-product liability. Attorney: Brian John Perkins. Filed: Nov. 25. Case no. 7:14-cv-09363-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Melissa Jones. Action: diversity-personal injury. Attorneys: Karen L. Karavatos, Shannon Lukei, Neil Duane Overholtz, Daniel Stewart Robinson and Mark P. Robinson Jr. Filed: Nov. 24. Case no. 7:14-cv-09322-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Jennifer Martin. Action: diversity-personal injury. Attorney: Ann E. BrownGraff. Filed: Nov. 24. Case no. 7:14-cv-09334-CS.

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

Bayer HealthCare Pharmaceuticals Inc. Filed by Melissa Maxine McCormack and Richard McCormack. Action: diversityproduct liability. Attorney: Sarah J. Showard. Filed: Nov. 24. Case no. 7:14-cv-09330-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Rita SanchezSandler and Geoffrey Sandler. Action: diversity-personal injury. Attorney: Fabrice Vincent. Filed: Nov. 24. Case no. 7:14-cv-09339-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Amy L. Wilmet. Action: diversity-product liability. Attorney: Paul E. Benson. Filed: Nov. 24. Case no. 7:14-cv09328-CS. East End Wall Coastings Inc. Filed by the trustees of the Bricklayers and Allied Craftworkers, Local 5 New York Retirement, Welfare, Labor Management Coalition. Action: Labor Management Relations Act of 1947. Attorney: Karen Lynn Mizrahi. Filed: Nov. 19. Case no. 7:14-cv-09204-VB. New York Life Insurance Co. Filed by Paul M. Sorbera. Action: diversity-insurance contract. Attorney: Steven D. Feinstein. Filed: Nov. 22. Case no. 7:14-cv09201-NSR. Transit Construction Corp. Filed by the trustees of the Operating Engineers Local 137, 137A, 137B, 137C and 137R Annuity, Pension, Welfare and Apprenticeship Skill Improvement and Safety Funds of the Operating Engineers. Action: Labor Management Relations Act of 1947. Attorney: Giacchino James Russo. Filed: Nov. 19. Case no. 7:14-cv-09209-KMK. Verde Electric Corp. Filed by the trustees of the Operating Engineers Local 137, 137A, 137B, 137C and 137R Annuity, Pension, Welfare and Apprenticeship Skill Improvement and Safety Funds of the International Union of Operating Engineers. Action: Labor Management Relations Act of 1947. Attorney: Giacchino James Russo. Filed: Nov. 19. Case no. 7:14-cv-09206-KMK.

DEEDS Above $1 million 45 Penn BLVD Ltd., Scarsdale. Seller: David Feldshuh, et al, Ithaca. Property: 45 Penn Blvd., Scarsdale. Amount: $1.7 million. Filed Nov. 21.

ON THE RECORD

Harley House LLC, New York City. Seller: Azhar Batata, Hastings-on-Hudson. Property: 8 Minturn St., Greenburgh. Amount: $1 million. Filed Nov. 24.

Camila Realty Corp., White Plains. Seller: Daniel J. Mannix, et al, White Plains. Property: 19 S. Kensico Ave., White Plains. Amount: $404,000. Filed Nov. 20.

Roaring Brook Partners LLC, Hartsdale. Seller: Seymour Wald, Scarsdale. Property: 22 Montrose Road, Scarsdale. Amount: $998,000. Filed Nov. 21.

Hudson River Healthcare Inc., Peekskill. Seller: Gennaro DiCola, Peekskill. Property: 1037 Main St., Peekskill. Amount: $1.7 million. Filed Nov. 19.

Christiana Trust. Seller: Anne Penachio, White Plains. Property: 41 Old Mill Road, Somers. Amount: $395,531. Filed Nov. 20.

Superior LLC, Yonkers. Seller: John Maiolini III, Yonkers. Property: 1055 Mile Square Road, Yonkers. Amount: $580,000. Filed Nov. 20.

Orchard Real Estate LLC, Scarsdale. Seller: Jane R. Guttman, Scarsdale. Property: 9 Windmill Ave., Scarsdale. Amount: $1 million. Filed Nov. 24. Value Store It Mount Vernon LLC, Miami Lakes, Fla. Seller: Leticia Arzu, Mount Vernon. Property: 320 Washington St., Mount Vernon. Amount: $3.5 million. Filed Nov. 24.

Below $1 million 10 Warren Street LLC, White Plains. Seller: George Froyton, Scarsdale. Property: 10 Warren St., White Plains. Amount: $605,000. Filed Nov. 20. 108 Seneca Corp., Tuckahoe. Seller: Mary Gershowitz, Yonkers. Property: 108 Seneca Ave., Yonkers. Amount: $310,000. Filed Nov. 21.

CitiMortgage Inc. Seller: Linda Markowitz, White Plains. Property: 25 Monroe St., Mount Vernon. Amount: $150,000. Filed Nov. 20. Deutsche Bank National Trust Co. Seller: Carlos A. Perez, et al, West Nyack. Property: 116 Hadden St., Peekskill. Amount: $115,000. Filed Nov. 19. El-Kam Realty Co., New York City. Seller: Christopher Zander, et al, Chappaqua. Property: 14 Campfire Road, New Castle. Amount: $850,000. Filed Nov. 24. Elliot LLC, Bronx. Seller: Federal Home Loan Mortgage Corp. Property: 311 Packman Ave., Mount Vernon. Amount: $231,000. Filed Nov. 21. Federal National Mortgage Association. Seller: Teresita Alvarez, et al, Yonkers. Property: 35 Bainton St., Yonkers. Amount: $354,215. Filed Nov. 20.

12 Orchard Associates LLC, Rye. Seller: Estate of Constance M. Boccadoro, Bethesda, Md. Property: 12 Orchard Drive, Rye. Amount: $859,900. Filed Nov. 19.

HSBC Bank USA N.A. Seller: Richard A. Glickel, West Nyack. Property: 268 Spring St., Ossining. Amount: $466,751. Filed Nov. 24.

2 Harvest Realty LLC, Scarsdale. Seller: Ronald D. Vaughan, et al, Scarsdale. Property: 19 Crossway, Scarsdale. Amount: $865,000. Filed Nov. 20.

Mad Properties Inc., New Rochelle. Seller: Theresa M. Daniele, White Plains. Property: 320 McClellan Ave., Mount Vernon. Amount: $170,000. Filed Nov. 21.

935 Washington Street LLC, Port Chester. Seller: Washington Street Realty Corp., Rock Hill. Property: 935 Washington St., Peekskill. Amount: $420,000. Filed Nov. 19.

National Residential Nominee Services Inc. Seller: Chun-Chi Wang, et al, Yorktown Heights. Property: 53 Oslo Drive, Yorktown. Amount: $361,000. Filed Nov. 20.

Blue Pool LLC, Yorktown Heights. Seller: Wilfred C. Archampong, Peekskill. Property: 2040 Oakwood Drive, Peekskill. Amount: $152,000. Filed Nov. 20. BPI Bedford LLC, Elmsford. Seller: John M. Ruti, Bedford. Property: 307 Old Post Road, Bedford. Amount: $215,000. Filed Nov. 21.

OneWest Bank N.A. Seller: Joseph Maria, White Plains. Property: 252 Claremont Ave., Mount Vernon. Amount: $457,037. Filed Nov. 19. Peekskill Partners LLC, White Plains. Seller: Anne Penachio, White Plains. Property: 150 Kensington Oval, New Rochelle. Amount: $531,000. Filed Nov. 19.

The DM Equities of New York LLC, Harriman. Seller: Robert A. Brown, et al, White Plains. Property: 60 Florence Ave., Greenburgh. Amount: $425,000. Filed Nov. 24. United Nations Federal Credit Union, Long Island City. Seller: Francis Joseph Malara, White Plains. Property: 1303 Fox Glen Drive, Greenburgh. Amount: $335,000. Filed Nov. 20. Wilmington Savings Fund Society F.S.B. Seller: Kenneth L. Bunting, White Plains. Property: 161 Clunie Ave., Yonkers. Amount: $385,000. Filed Nov. 21.

FORECLOSURES MOUNT VERNON, 71 Fletcher Ave. Single-family residence; .11 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Gross Polowy LLC; 25 Northpointe Parkway, Amherst. Defendant: Ana Perez. Referee: Catherine Allen. Sale: Dec. 9, 10 a.m. Approximate lien: $826,819.52. MOUNT VERNON, 554 South Fifth Ave. Two-family; .06 acre. Plaintiff: DMAC LTD. Plaintiff ’s attorney: Knuckles, Komosinski & Elliot, 914-345-3020; 565 Taxter Road, Suite 509, Elmsford. Defendant: Robert Willimas. Referee: Guy Parisi. Sale: Dec. 8, 10 a.m. Approximate lien: $248,146.95. NEW ROCHELLE, 80 Boston Post Road, Apt. 26. Condominium; lot size: N/A. Plaintiff: US Bank National Association. Plaintiff ’s attorney: Gross Polowy LLC; 25 Northpointe Parkway, Amherst. Defendant: Michael Nader. Referee: Robert Ryan. Sale: Dec. 8, 11:30 a.m. Approximate lien: $853,538.23.

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YONKERS, 117 Wakeﬁeld Ave. Single-family residence; .06 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Gross Polowy & Orlans, 716-2041700; P.O. Box 540, Getzville. Defendant: Anita Mooktadeer. Referee: Arlene Gold Wexler. Sale: Dec. 3, 9 a.m. Approximate lien: $693,101.81. YONKERS, 1052 Mclean Ave. Commercial building; .1 acre. Plaintiff: Federal National Mortgage Association. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester. Defendant: Edward Gallagher. Referee: Christina Romano. Sale: Dec. 3, 2 p.m. Approximate lien: $452,439.05.

JUDGMENTS Budala Inc., Bardonia. $9,146 in favor of White Plains Coat and Apron Company Inc., Peekskill. Filed Nov. 17. Cortland Plaza Fine Foods Inc., Croton-on-Hudson. $26,486 in favor of 447 Associates LLC, Ossining. Filed Nov. 18. Global Java LLC, Bronxville. $3,672 in favor of Live Wire Security and Communications Inc., Irvington. Filed Nov. 20. Irvington Builders Inc., Tarrytown. $51,083 in favor of Pine Bush Equipment Company Inc., Pine Bush. Filed Nov. 17. Maher Funeral Home Inc., Pleasantville. $8,432 in favor of Batesville Casket, Batesville, Ind. Filed Nov. 17. New Advanced Sales Group Inc., Ardsley. $10,583 in favor of Howard Berger Company LLC, New York City. Filed Nov. 17. Zollers Marine Center Inc., Croton-on-Hudson. $5,524 in favor of Marine Equipment and Supply Co., Thorofare, N.J. Filed Nov. 17.

LIS PENDENS Ajoku, Godfrey, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $487,296 affecting property located at 210 and 212 Edwards Place, Yonkers 10703. Filed March 27.

December 1, 2014

NEWSMAKERS [PLUS AWARDS AND EVENTS] IONA NAMES ALUMNI RELATIONS DIRECTOR

MILLER JOINS IVI INTERNATIONAL Matthew K. Miller has been hired as a senior project manager at IVI International Inc., a construction risk management and due diligence consultancy headquartered in White Plains. Miller will serve as a liaison between IVI’s roster of architects and engineers and the firm’s clients, while providing quality control and quality assurance. He will also consult with IVI’s clients on due diligence services being provided and work to ensure that any architectural or engineering concerns are addressed. With more than 25 years of in-

dustry experience as a registered architect and professional planner Miller also has more than 12 years of experience in all facets of commercial real estate. In the last five years, he has been directly involved with forensic investigations and inspections for building damage causation analysis, providing technical expertise and working closely with insurance carriers and attorneys regarding conflict resolution. He will be based in the southern New Jersey region, where he will support IVI’s debt and equity platforms.

DIAPER BANK OFFICIALLY OPENS County Executive Robert P. Astorino joined with the Junior League of Central Westchester to officially open the Westchester County Diaper Bank. Since first announced Sept. 11, the Diaper Bank has since been collecting all sizes, types and brands of disposable diapers and wipes and is now ready to assist families struggling to afford clean diapers in Westchester.

“Diapers are a basic need for children – as essential as food and shelter,” said Astorino. “I want to thank the Junior League of Central Westchester for this tremendous partnership. Along with the county’s Department of Social Services, together we are working to keep babies clean, safe and healthy.” The event was marked with a ribbon-cutting ceremony at the

Junior League of Central Westchester headquarters at Wayside Cottage in Scarsdale. The Diaper Bank will give families an opportunity to apply for a package containing a week’s supply of diapers and wipes up to three times a year per child. For more information visit jlcwdiaperbank@gmail.com or www.jlcentralwestchester.org.

Elizabeth Faia Orgera has been appointed director of alumni relations by Iona College in New Rochelle. Orgera’s relationship with Iona spans several years and began with an internship in the college athletics department. She spent five years with Iona athletics working on marketing, sponsorship and ticket operations. During that time, Orgera cultivated relationships with many alumni and became an alumna herself, earning an MBA. In 2012, Orgera transitioned her skills to working in the college advancement and presidential events. During the last two years she has gained experience in helping plan and execute several events for Iona alumni — from golf outings to galas. Now, she will take the helm in leading and engaging Iona’s alumni base of more than 40,000.

“Lizzie has gained impressive experience at Iona working in athletics and in advancement and external affairs,” said Paul J. Sutera, senior vice president for advancement and external affairs. “She knows our alumni well and as an Iona graduate herself, she will help us take our alumni relations efforts to new levels.”

MOSKOW TO LEAVE SHELDRAKE POST After five years of leadership and service to Sheldrake Environmental Center in Larchmont, Holly Moskow is stepping down as executive director to pursue other interests. The center is engaged in a search for her successor and Moskow will play a major role in the selection process.

Millie Magraw, president of the center said, “We are so grateful to have had the pleasure of working with Holly. With her calm and professional leadership style, Holly has made an enormous impact on Sheldrake over the years.” For more information visit sheldrakecenter.org.

LEASON ELLIS ADDS TWO ATTORNEYS Leason Ellis LLP in White Plains, an intellectual property law firm, has added two attorneys. Matthew Kaufmann and Lori Cooper will counsel clients in the areas of patent prosecution and litigation, trademark oppositions and transactional engagements. David Leason, co-founder and managing partner said, “Matt and Lori offer vast intellectual property experience and a deep-seated, clientcentered philosophy fundamental to our firm. Their contributions will enrich our ability to provide the best IP counsel to our clients.” Kaufman has extensive experi-

December 1, 2014

ence in all facets of patent acquisition and, as a seasoned patent prosecutor, has advised many high-tech companies on portfolio development and patent mining, working with management and engineering to facilitate the identification and protection of key technical assets. He regularly represents clients in enforcing their exclusive rights against competitors and was part of the litigation team that successfully enforced check-imaging patents against the national banking industry in DataTreasury Corp. v. Bank of America Corp., et al. Cooper’s practice involves all

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aspects of intellectual property prosecution and litigation, representing individuals and large corporations. She brings proficiency in patent, trademark and copyright litigation matters and has represented clients in trademark opposition proceedings before the U.S. Patent and Trademark Office. She is particularly proficient at drafting and prosecuting patent applications in a variety of scientific and technical fields, including chemical compositions, mechanical and medical devices. Cooper is a graduate of the University of Connecticut School of Law, where she earned a certificate in intellectual property.

LESSER TO LEAD GIRLS INC. After a nationwide search, the board of directors of Girls Inc. Westchester has selected Nicole Lesser to be its new executive director as of Dec. 1. Lesser will bring experience in organizational leadership, community partnership, youth development and girl advocacy to Girls Inc. Westchester. She has received many honors and awards during her career, including a “Moving the Work Forward” award from the Georgia Commission on Family Violence, which noted her vision, collaboration, creativity and commitment to

justice. Girls Inc. founder Sally Baker is stepping down as executive director after 10 years, but will be available to Lesser and the organization to help facilitate the transition. Baker said she is “excited to pass the torch to Nicole, whose passion for educating and empowering girls reflect the commitment and values at the core of our Girls Inc. mission.” Lesser holds a B.A. from George Washington University and an MSW from Boston University School of Social Work.

RADIOLOGIST JOINS WHITE PLAINS HOSPITAL

DATES DEC. 3

Radiologist Stephanie Sims has been welcomed by White Plains Hospital to its group of integrated physician practices. Sims joins Pamela Weber, M.D., director of the outpatient imaging center at1296 North Ave. in New Rochelle. Sims received her medical degree from Mount Sinai School of Medicine, where she also completed her radiology residency and fellowship in breast and body imaging. She is board-certified in radiology and brings 15 years of experience in breast and body imaging to New Rochelle as well as expertise in breast interventional radiology. In addition to standard radiology procedures, Sims has experience with newer technology, including radioactive seed placement for surgical localizations.

Stephanie Sims and Pamela Weber

ULSTER SAVINGS CHARITABLE FOUNDATION AWARDS GRANT

GOSHEN FIRM RECOGNIZED FOR BEST CUSTOM HOME AND RESIDENTIAL ALTERATION

The Ulster Savings Charitable Foundation, based in Kingston, recently awarded a $2,500 grant to the Good Shepherd Christian School to assist with repairs on the roof of the school’s gymnasium, a multipurpose room that accommodates school activities, as well as events for the Morning Star Christian Fellowship parish and other community organizations. “In addition to meeting the needs of its growing student population over the past few years, the Good Shepherd Christian School also serves a multitude of community needs throughout the course of each year,” said MaryRose Warcholak, executive director of the Ulster Savings Charitable Foundation. “We’re happy to provide funds to assist them with these important capital improvements.” For more information about the Ulster Savings Charitable Foundation, call Warcholak at 845-3386322, ext. 3626.

The Ruby Group, a Goshen-based project management, general contracting and consulting fi rm, was honored with two Pinnacle Awards from the Hudson Valley Builders and Remodelers Association for its projects throughout the Hudson Valley during the associations’s 2014 ceremony held, Nov. 20. The Hudson Valley Builders and Remodelers Association is a not-for-profit trade association representing the interests and needs of the building industry in Orange, Dutchess, Putnam, Sullivan, Ulster and Westchester counties since 1952. The annual award selections feature eight separate categories and recognize outstanding performances by Hudson Valley building industry professionals during 2014.

The Ruby Group’s fi rst award for Residential Alteration of the Year was for work on its High Ridge Road project in Monroe, transforming a bi-level house and constructing a two-story addition. The second award for Best Custom Home featured its work on the Brola Road project in Mount Hope. The fi rm designed and built a modern Victorian home set on seven acres. “The Ruby Group is privileged to be recognized for our accomplishments within the Hudson Valley. We are appreciative to not only our team for their exemplary work, but to our clients who present us with such opportunities,” said Pete Berman, CEO of The Ruby Group.

WINNING PHOTO CHOSEN Central Hudson Gas & Electric Corp.’s second annual Fall Foliage Photo Contest has a winner. The utility’s Facebook followers voted on a photograph submitted by Saugerties resident Keith Kopycinski, taken at the Rip Van Winkle Country Club in Palenville. “As our photo contest winner, Keith wins a $100 Central Hudson Gift Certificate,” said Denise D. VanBuren, vice president of public relations. “But we were so pleased with customer response to the contest, we decided to offer a second-place award to another photo that was nearly as popular.” Of

RING IN THE HOLIDAYS WITH CLASSIC ELEGANCE AND SPLENDOR AT THE WARWICK VALLEY COUNTRY CLUB when The Warwick Valley Chamber of Commerce presents a holiday business mixer Wednesday, Dec. 3 from 6 to 8 p.m. Unwind around the large bar for cocktails while savoring a variety of hearty gourmet hors d’oeuvres (cash bar available) and enjoy live music by Theo Michelfeld. Admission is $10 for members and $20 for nonmembers. To make a reservation, call the chamber at 845-986-2720 or email info@warwickcc.org.

the 2,300 votes cast, Kopycinski’s photo garnered 392, while a photo taken from the Ferncliff Forest in Rhinebeck by Margaret Phelan of Port Ewen received a close second with 389 votes. “Because the voting was so close, we are also awarding Margaret with a $50 Central Hudson Gift Certificate,” said VanBuren. “Congratulations to both Keith and Margaret on their awards and for their beautiful im-

ASTOR TAKES PART IN PROGRAM REDUCING ADOLESCENT SUBSTANCE ABUSE

Rhinebeck-based Astor Services outpatient clinics and its adolescent day treatment programs were selected from a national group of provider applicants to participate with 29 other agencies in the National Council for Behavioral Health’s Reducing Adolescent Substance Abuse Initiative. As part of this learning and implementation initiative, funded by the Conrad Hilton Foundation, a core team of leaders from Astor’s Hudson Valley outpatient clinics, the Highbridge Outpatient Clinic in the Bronx and the Adolescent and Middle School Day Treatment programs in the Hudson Valley, have begun participating in statewide work groups, national web-based training and social media communication initiatives.

Information for these features has been submitted by the subjects or their delegates.

ages of the Mid-Hudson Valley depicting autumn’s spectacular colors.” To view the images of all 15 finalists, visit Facebook.com/CentralHudson or visit CentralHudson.com.

Get all the executive promotions and moves, awards and snapshots we publish in the Business Journals delivered to your inbox on Monday mornings. Subscribe at

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December 1, 2014

FACTS & FIGURES Brown, Kevin, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $350,000 affecting property located at 1012 Park St., Peekskill. Filed March 25.

Hammerman, Noah, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 160 Calton Road, New Rochelle 10804. Filed March 26.

Chacha, Segundo, et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $418,433 affecting property located at 1134 Howard St., Peekskill 10566. Filed March 25.

Hanney, Mary, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 56 Adams St., Mount Vernon 10550. Filed March 25.

Colon, Alicia Rivera, et al. Filed by Champion Mortgage Co. Action: seeks to foreclose on a mortgage to secure $544,185 affecting property located at 919 Second St., Peekskill 10566. Filed March 25.

Herrera, Silvia S., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $268,000 affecting property located at 151 S. Central Ave., Elmsford 1523. Filed March 26.

De Paola, Madeline, et al. Filed by OneWest Bank N.A. Action: seeks to foreclose on a mortgage to secure $720,000 affecting property located at 177 Longvue Terrace, Yonkers 10710. Filed March 27. Emanuel, Judith, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $938,250 affecting property located at 41 Pine Ridge Road, Larchmont 10538. Filed March 27. Fahey, William, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $143,000 affecting property located at 18A Highland Drive, Cortlandt Manor 10567. Filed March 28. Finkbiner, Mario M., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 23 Old Farm Road S., Pleasantville 10570. Filed March 27. Giannios, Christopher, et al. Filed by Central Mortgage Co. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 45 Crest Drive, Somers 10589. Filed March 27. Glaser, Anne, as heir at law and next of kin of Anne DePalma, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 62 Portland Place, Yonkers 10703. Filed March 26. Goldstein, Barry L., as administrator, sole distribute, and as heir of the estate of Judith Goldstein, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $600,000 affecting property located at 486 Midland Ave., Yonkers 10704. Filed March 26.

December 1, 2014

Kelly, Francene G., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 3560 Lakeland St., Mohegan Lake 10547. Filed March 26. Pedroso, Alexis L., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $255,000 affecting property located at 8 Briarbrook Road, Ossining 10562. Filed March 28. Peltz, Wolfgang, 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 611 Giordano Drive, Yorktown Heights 10598. Filed March 25. Phillips, Marcia, 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 Daly Cross Road, Mount Kisco 10549. Filed March 28. Pleasant Village Estates Inc., et al. Filed by Southern Connecticut Financial Services Inc. Action: seeks to foreclose on a mortgage to secure $1 million affecting property located at 1, 4, and 6 Springfield Court, Pleasantville. Filed March 27. Public administrator of Westchester County, et al. Filed by Reverse Mortgage Solutions Inc. Action: seeks to foreclose on a mortgage to secure $877,500 affecting property located at 272 Park View Ave., Yonkers 10710. Filed March 26.

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Reed, Leroy, et al. Filed by EverBank. Action: seeks to foreclose on a mortgage to secure $51,000 affecting property located at 75 W. Kingsbridge Road, Mount Vernon 10550. Filed March 27. Seivright, Colleen M., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 237 E. Devonia Ave., Mount Vernon 1552. Filed March 28. Silva, Criselda, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $535,161 affecting property located at 133 Primrose Ave., Mount Vernon 10552. Filed March 26. SJDB Inc., et al. Filed by Suma Yonkers Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $271,000 affecting property located at 215 Edwards Place, Yonkers. Filed March 28. Walsh, Michael, et al. Filed by Southwest Securities F.S.B. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 6 Convent Ave., Yonkers 10703. Filed March 25. Wilson, Donnie, et al. Filed by Prospect Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $462,634 affecting property located at 14 Russell Ave., New Rochelle 10801. Filed March 27. Yun, Maeng Soon, et al. Filed by Capital One N.A. Action: seeks to foreclose on a mortgage to secure $1.5 million affecting property located at 180 Bedford Banksville Road, Bedford 10506. Filed March 27.

MECHANIC’S LIENS Deckoﬀ, Stephen H., as owner. $28,996 as claimed by Daluz Masonry and Landscaping LLC, Bethel, Conn. Property: in Bedford. Filed Nov. 20. Del Bene, Peter, as owner. $57,085 as claimed by Northeast J and B Construction Inc., Yorktown. Property: in White Plains. Filed Nov. 20. DM Equities of New York LLC, as owner. $5,571 as claimed by Durante Rentals LLC, Flushing. Property: in Greenburgh. Filed Nov. 19.

Gumpel, Carolyn, as owner. $7,194 as claimed by Jan-Mar Contracting Corp. Property: in Mamaroneck. Filed Nov. 20.

RCC HR Consulting, 75 Overlook Road, New Rochelle 10804, c/o Rosalind Clay Carter. Filed July 10.

NEW BUSINESSES

Tacos el Carrito, 819 Main St., New Rochelle 10801, c/o Martha Valencia. Filed July 9.

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

Partnerships Food2U, 23 Eldridge St., Port Chester 10573, c/o David A. Luzzi and Joshua C. Schulman. Filed July 10. Gralicer and Kaiser, 455 Central Park Ave., Scarsdale 10583, c/o Richard Gralicer and Barry S. Kaiser. Filed July 9.

Sole Proprietorships A and S Iron Works, 275 Spring St., Suite 3, Ossining 10562, c/o Ivan Alonso. Filed July 9. Architectural Innovations of New York, P.O. Box 120, Yonkers 10702, c/o Theodore A. Alpert. Filed July 8. Blankets By Grandma Bev, 114 Gavin St., Yonkers 10701, c/o Beverly A. Jessamy. Filed July 10. Casa Bella Home Inspections, 186 Third St., P.O. box 205, Verplanck 10596, c/o Daniel James LaBella. Filed July 9. Cuckoos Printing, 116 N. Ninth Ave., First floor, Mount Vernon 10550, c/o Graziela Cialone Souza. Filed July 8. First Class Woodworking, 134 Primrose Ave., Mount Vernon 10552, c/o Samuel P. Da Silva. Filed July 10. Ismail Beauty Salon, 645 McLean Ave., Yonkers 10705, c/o Makboolkhan K. Pathan. Filed July 9. Loja’s Construction, 81 Parview Road, Elmsford 10523, c/o Ernesto Loja. Filed July 8. Milly’s Multiservices, 367 North Ave., New Rochelle 10801, c/o Mildred Sandoval. Filed July 10. New Palmer Nails, 1965 Palmer Ave., Larchmont 10538, c/o Gut Bok Yim. Filed July 8.

The Westchester Ensemble Exchange, 20 Indian Hill Road, Pound Ridge 10576, c/o David Aaron Markowitz. Filed July 8. The Westchester Flute Workshop, 20 Indian Hill Road, Pound Ridge 10576, c/o David Aaron Markowitz. Filed July 8. Thomas E. Haynes Architect, 570 Yonkers Ave., Yonkers 10704, c/o Thomas E. Haynes. Filed July 8. Westchester Wedding and Event Sitters, 45 Pamela Lane, Valhalla 10595, c/o Alison McIntyre. Filed July 9.

PATENTS .The following patents were issued by the U.S. Patent and Trademark Oﬃce in Washington, D.C. Dynamically manage applications on a processing system. Patent no. 8,898,667 issued to Lydia Mai Do, Research Park Triangle, N.C.; Jason Alan Cox, Raleigh, N.C.; Kimberly Marie Fernsler, Round Rock, Texas; Michael Lance Karm, Cedar Park, Texas; and Brian Robert Mestan, Austin, Texas. Assigned to International Business Machines Corp., Armonk. Enabling authentication of OpenID user when requested identity provider is unavailable. Patent no. 8,898,754 issued to Suresh N. Chari, Scarsdale; Gang Chen, Syosset; and Todd E. Kaplinger, Raleigh, N.C. Assigned to International Business Machines Corp., Armonk. Interfacing between a caller application and a service module. Patent no. 8,898,679 issued to Charles Franklin Berry, Apalachin; Glenn C. Godoy, Endwell; and Amy Jeanne Snavely, Binghamton. Assigned to International Business Machines Corp., Armonk.

Memory databus utilization management system and computer program product. Patent no. 8,898,674 issued to Donald R. Desota, Liberty Hill, Texas; Rajendra D. Panda, Austin, Texas; Venkat R. Indukuru, Austin, Texas; Joseph H. Robichaux, Round Rock, Texas; Robert H. Bell, Jr., Austin, Texas; and Steven P. Hartman, Round Rock, Texas. Assigned to International Business Machines Corp., Armonk. Methods and systems for coordinated transactions. Patent no. 8,898,669 issued to Paul M. Dantzig, Scarsdale; Arun Kwangil Iyengar, Yorktown Heights; Francis Nicholas Parr, New York; and Gong Su, New York. Assigned to International Business Machines Corp., Armonk. Modifying an information technolo�y architecture framework. Patent no. 8,898,655 issued to Pamela K. Isom, Highlands Ranch, Colo. Assigned to International Business Machines Corp., Armonk. Nondisruptive code update of a single processor in a multiprocessor computing system. Patent no. 8,898,653 issued to Stephen L. Blinick, Tucson, Ariz.; and Chiahong Chen, Oro Valley, Ariz. Assigned to International Business Machines Corp., Armonk. On-chip tunable transmission lines, methods of manufacture and design structures. Patent no. 8,898,605 issued to Hanyi Ding, Colchester, Vt.; Guoan Wang, Burlington, Vt.; and Wayne H. Woods, Jr., Burlington, Vt. Assigned to International Business Machines Corp., Armonk. Runtime optimization of an application executing on a parallel computer. Patent no. 8,898,678 issued to Daniel A. Faraj, Rochester, Minn.; and Brian E. Smith, Knoxville, Tenn. Assigned to International Business Machines Corp., Armonk. Systems and methods for generating and validating conﬁguration ﬁles for computing devices. Patent no. 8,898,761 issued to Eric James Barkie, Morrisville, N.C.; Gary Thomas Leonardi, LaGrangeville; and Andrew Paul Wyskida, Fishkill. Assigned to International Business Machines Corp., Armonk.

FACTS & FIGURES HUDSON VALLEY

Canopy New Hampshire LLC, Saratoga Springs. Seller: Portela Realty LLC, New Hampton. Property: in Goshen. Amount: $6.7 million. Filed Nov. 19.

BUILDING LOANS

Hudson Valley Federal Credit Union, Poughkeepsie. Seller: Michael D. Kranis, Poughkeepsie. Property: in Rhinebeck. $6.4 million. Filed Nov. 17.

Below $1 million 104 Main Street Warwick LLC, et al, Warwick, as owner. Lender: NYBDC Local Development Corp., et al, Albany. Property: 104 Main St., Warwick. Amount: $773,000. Filed Nov. 19. 132 Franklin Realty LLC, as owner. Lender: Rhinebeck Bank. Property: in Poughkeepsie. Amount: $308,000. Filed Nov. 21. Equity Homes of New York Inc., Port Jervis, as owner. Lender: Libertyville Capital Group II LLC, Montgomery. Property: 1339 Greenville Turnpike, Port Jervis. Amount: $200,000. Filed Nov. 21. Equity Homes of New York Inc., Port Jervis, as owner. Lender: Libertyville Capital Group II LLC, Montgomery. Property: 8 Rebecca Drive, Middletown. Amount: $200,000. Filed Nov. 21. Equity Homes of New York Inc., Port Jervis, as owner. Lender: Libertyville Capital Group II LLC, Montgomery. Property: 208 Route 93, New Hampton. Amount: $200,000. Filed Nov. 21. Equity Homes of New York Inc., Port Jervis, as owner. Lender: Libertyville Capital Group II LLC, Montgomery. Property: 1313 Greenville Turnpike, Port Jervis. Amount: $200,000. Filed Nov. 21. Equity Homes of New York Inc., Port Jervis, as owner. Lender: Libertyville Capital Group II LLC, Montgomery. Property: Rebecca Drive, Middletown. Amount: $200,000. Filed Nov. 21. Highview Estates of Orange County Inc., Washingtonville, as owner. Lender: Greater Hudson Bank N.A., Monroe. Property: 78 Kings Road, New Windsor. Amount: $217,000. Filed Nov. 24.

DEEDS

Below $1 million 28 West Main Realty Inc., Middletown. Seller: GS Middletown Properties I LLC, Pleasantville. Property: 28-30 W. Main St., Middletown 10940. Amount: $495,000. Filed Nov. 17. 2Attara Foundation Inc., Brooklyn. Seller: Olga Smyth, High Falls. Property: in Clinton. Amount: $733,000. Filed Nov. 17. 6402 Montgomery Street LLC, New York City. Seller: Hudson Valley Department Store Inc., Poughkeepsie. Property: in Rhinebeck. Amount: $520,000. Filed Nov. 20. AEKJSSC Inc., Kingston. Seller: Dwight Trimm, Kingston. Property: in Rochester. Amount: $82,500. Filed Nov. 14. Bank of America N.A. Seller: Glen A. Plotsky, Port Jervis. Property: 9 New St., Port Jervis 12771. Amount: $306,726. Filed Nov. 19. Bank of America N.A. Seller: James E. Nelson, Poughkeepsie. Property: 12 Dubpis Ave., Poughkeepsie 12601. Amount: $251,500. Filed Nov. 19. Citizens Bank N.A. Seller: John E. Bach, Goshen. Property: in New Windsor. Amount: $551,028. Filed Nov. 21. Deutsche Bank National Trust Co. Seller: Carla Schuman Wise, Goshen. Property: 2947 Route 17K, Bullville 10941. Amount: $249,592. Filed Nov. 17. Deutsche Bank National Trust Co. Seller: Steven H. Klein, Poughkeepsie. Property: 9 Ansara Road, Wappingers Falls 12590. Amount: $444,000. Filed Nov. 17.

Above $1 million

Deutsche Bank Trust Company Americas. Seller: Laurence A. Clemente, Goshen. Property: 16 Whipporwill Trail, Monroe 10950. Amount: $253,999. Filed Nov. 24.

Canopy Middletown LLC, Saratoga Springs. Seller: Dolson Storage LLC, New Hampton. Property: in Middletown. Amount: $2.4 million. Filed Nov. 19.

Emajen LLC, Pleasant Valley. Seller: Linda J. Davis, Calverton. Property: 4 Davis Place, Hyde Park. Amount: $38,000. Filed Nov. 17.

Equity Trust Co. Seller: 5-13 Academy Street Inc., Poughkeepsie. Property: in Poughkeepsie. Amount: $485,000. Filed Nov. 17. Federal Home Loan Mortgage Corp. Seller: Anna Owens, Newburgh. Property: 107 Ridgebury Road, New Hampton 10958. Amount: $320,900. Filed Nov. 20. Federal Home Loan Mortgage Corp. Seller: Michele L. Babcock, Walden. Property: 245 Pine Island Turnpike, Warwick 10990. Amount: $249,563. Filed Nov. 17. Federal Home Loan Mortgage Corp. Seller: Peter G. Botti, Goshen. Property: 25 S. Montgomery St., Walden. Amount: $335,000. Filed Nov. 21. Federal Home Loan Mortgage Corp. Seller: Timothy P. Ross, Kingston. Property: 72 Wiltwyck Ave., Kingston 12401. Amount: $115,557. Filed Nov. 17. Federal National Mortgage Association. Seller: Alan L. Joseph, Goshen. Property: 33 N. Montgomery St., Walden 12586. Amount: $70,943. Filed Nov. 24. Federal National Mortgage Association. Seller: Bajram Huseinovic, et al, Staten Island. Property: 7450 Route 52, Greenfield Park 12435. Amount: $426,450. Filed Nov. 18. Federal National Mortgage Association. Seller: Christopher M. Parker, et al, Port Jervis. Property: 45 Eagle Crest Road, Port Jervis 12771. Amount: $320,164. Filed Nov. 17. Federal National Mortgage Association. Seller: Helen Umberto, Greenwood Lake. Property: 9 Main Drive, Greenwood Lake 10925. Amount: $260,219. Filed Nov. 24. Federal National Mortgage Association. Seller: James B. Biagi, Goshen. Property: 18 Revere Drive, Unit 4-1, Middletown 10940. Amount: $225,767. Filed Nov. 19. Federal National Mortgage Association. Seller: Jerry J. Kowal, et al, Macon, Ga. Property: 6 Wood Terrace, Newburgh 12550. Amount: $294,531. Filed Nov. 17. Federal National Mortgage Association. Seller: Judith L. Lubinsky, Campbell Hall. Property: 200 South St., Newburgh 12550. Amount: $220,260. Filed Nov. 18.

Federal National Mortgage Association. Seller: Larry Wolinksy, Walden. Property: 216 A Dubois St., Newburgh 12550. Amount: $258,956. Filed Nov. 21.

Monhagen LLC, Greenwood Lake. Seller: RJS Properties LLC, Sloatsburg. Property: in Middletown. Amount: $570,000. Filed Nov. 24.

Federal National Mortgage Association. Seller: Michael F. Servedio, Hanover, Md. Property: 419 Philo St., New Windsor 12553. Amount: $208,835. Filed Nov. 20.

MTGLQ Investors L.P., West Palm Beach, Fla. Seller: Ronald E. Helhoski, Middletown. Property: 18 Underhill Place, Newburgh 12550. Amount: $272,796. Filed Nov. 21.

Flagstar Bank F.S.B. Seller: Alan L. Joseph, Goshen. Property: 5 Pond Hill Lane, Walden 12586. Amount: $320,606. Filed Nov. 17. G Options Inc., Monroe. Seller: Evelyn Janice Moshier, Marshall, N.C. Property: in Middletown. Amount: $50,000. Filed Nov. 20. HSBC Bank USA N.A. Seller: Deborah Weisman-Estis, New Windsor. Property: 176 Ball St., Port Jervis 12771. Amount: $85,000. Filed Nov. 18. HSBC Bank USA N.A. Seller: Jordan Marisa Ferraro, Goshen. Property: 67 Canal St., Port Jervis 12771. Amount: $72,250. Filed Nov. 18. Hudson City Savings Bank, Paramus, N.J. Seller: Angela Garcia-McSweeney, Middletown. Property: 3 Third St., Warwick. Amount: $190,072. Filed Nov. 21. Hudson Todd LLC, New York City. Seller: George J. Houghtalin, et al, Fishkill. Property: in Beacon. Amount: $145,000. Filed Nov. 17. Jessup Road Farms LLC, Warwick. Seller: Edwin B. Sobiech, et al, Warwick. Property: in Warwick. Amount: $200,000. Filed Nov. 21. Jin Hong Realty Inc., New Windsor. Seller: Beatitudes Realty Corp., Central Valley. Property: 287 Route 32, Central Valley 10917. Amount: $700,000. Filed Nov. 18. JPMorgan Chase Bank N.A. Seller: Bruce A. Petito, Poughkeepsie. Property: 4B Scarborough Lane, Wappingers Falls 12590. Amount: $80,000. Filed Nov. 20. LSP One LLC, Newburgh. Seller: Sandra M. Medford, Newburgh. Property: in Newburgh. Amount: $75,000. Filed Nov. 18. LSP One LLC, Newburgh. Seller: Sandra M. Medford, Newburgh. Property: in Newburgh. Amount: $75,000. Filed Nov. 18.

Newlife Properties of Hudson Valley LLC, Goshen. Seller: Peter Neuman, Cornwall-on-Hudson. Property: in Cornwall-on-Hudson. Amount: $203,000. Filed Nov. 19. NPM and TLM of Dutchess LLC, Poughkeepsie. Seller: Sig-Edi Welding Company Inc., Cape Coral, Fla. Property: in LaGrange. Amount: $410,000. Filed Nov. 20. One West Ohayo LLC, Mamaroneck. Seller: Jane Birzin, Brooklyn. Property: in Woodstock. Amount: $250,000. Filed Nov. 17. Orange and Rockland Utilities Inc., Pearl River. Seller: Blooming Farm LLC, Orangeburg. Property: in Blooming Grove. Amount: $271,739. Filed Nov. 24. Stronzi Realty Inc., Bedford Corners. Seller: Richard H. Kurz, et al, Lake Ariel, Pa. Property: in Monroe. Amount: $65,000. Filed Nov. 21. U.S. Bank N.A. Seller: Jeffery Albanese, Goshen. Property: 1 Slavin Hill, Greenwood Lake 10925. Amount: $292,200. Filed Nov. 19.

U.S. Bank Trust N.A. Seller: Gary Bloom, et al, Monroe. Property: 14 Dorothy Drive, Monroe 10950. Amount: $273,156. Filed Nov. 17. Valcon America Corp., Sugar Loaf. Seller: Pharm Partners, Chestnut Ridge. Property: in Minisink. Amount: $80,000. Filed Nov. 19. VLY Properties LLC, Stone Ridge. Seller: Harris H. Gally, et al, Boynton Beach, Fla. Property: in Marbletown. Amount: $100,000. Filed Nov. 14. Windsor Gate Plaza LLC, Montgomery. Seller: The Ciancio Corp., Newburgh. Property: in New Windsor. Amount: $355,000. Filed Nov. 24. YJ The Kid LLC, New City. Seller: James Bates, Bronx. Property: 104 Excelsior, Middletown 10940. Amount: $32,000. Filed Nov. 24.

JUDGMENTS 16 Main Inc., d.b.a. Mick’s Deli and Grocery, Otisville. $537 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 4. 38 40 Eastern Promenade LLC, Woodstock. $1,842 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 17. 613 Automotive Group Inc., Ellenville. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 20.

NOTICE TO BIDDERS M/WBE SUBCONTRACTORS WANTED 170 Central Park West, New York, New York The New York Historical Society (NYHS)’ goal is to have M/WBE and local firm participation in is the renovation of a 20,000 SF space establishing a permanent exhibition and educational space focused on women’s history and labor history—the first of its kind in New York City as well as in the nation. To accomplish this goal, NYHS invites you to attend an outreach meeting to discuss various sub-contracting and vendor opportunities and the pre-qualification process. This is a union project and bond will be required for all contracts above $500k. Construction is scheduled to begin in the First Quarter of 2015. NYHS is pleased to invite Local, Minority and Women Business Enterprises (LMWBEs) sub-contractors to learn about the project and the NYHS. A Community Outreach Information Session will be held on Thursday, December 4th, 2014 from 10:00am to 12:00noon at The New York Historical Society, 170 Central Park West, New York, NY 10024. Interested firms and candidates should email mwbe@dackconsulting. com or call MWBE COMMUNITY OUTREACH at 914-686-7102 to register. Firms will be required to provide documentation of successful work completion, financial qualifications, insurance, bonding, references, etc. Please RSVP by Tuesday, December 2nd , 2014. NYHS is an EEO Employer.

WCBJ | HV Biz

December 1, 2014

FACTS & FIGURES ACPC, d.b.a. Always Clean Power Clean, Marlboro. $122 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 20. All In One Catalog Inc., Kingston. $1,811 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 17. Allied Wine Corp., Ellenville. $4,665 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 17. C. Bourgeois Designs LLC, Accord. $1,692 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 17. GCIA Inc., Highland. $3,734 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 20. Horvath Consulting Inc., Saugerties. $2,680 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 20. Hughes Tree Experts Inc., Highland. $1,953 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 20. JMJ Transport Inc., Milton. $6,623 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 20. Joemaur Inc., Pine Island. $2,616 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 4. Latino Foods Inc., Florida. $11,834 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 4. Lazreb Inc., Saugerties. $2,242 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 17. NJ Enerďż˝y Corp., New Paltz. $18,759 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 20. Peopull Inc., Kerhonkson. $1,985 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 20. The Lazy Swan Club House and Catering Hall Inc., Saugerties. $23,997 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 17.

December 1, 2014

Trans Nobre Inc., Marlboro. $138 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 17. Tri-State Drywall and Acoustical Inc., Sparrowbush. $1,146 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 4. Village Deli Food Mart Inc., Montgomery. $745 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 4. Washington Heights Pizzeria Plus Inc., Newburgh. $88,294 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 4.

LIS PENDENS 295 Duell Hollow Road LLC, et al. Filed by 295 Duell Hollow Road Funding Associates. Action: seeks to foreclose on a mortgage to secure $230,000 affecting property located at 295 Duell Hollow Road, Wingdale. Filed Nov. 10. Ballos, Charles T., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $182,213 affecting property located at 13 Kirchner Ave., Hyde Park 12538. Filed Nov. 10. Blackwell, Kizzy, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 347 Liberty St., Newburgh 12550. Filed May 14. Blaine, Joseph W., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $75,000 affecting property located at 100 Oregon Trail, Pine Bush 12566. Filed Nov. 18. Carpenter, Joseph, et al. Filed by Washington Mutual Bank. Action: seeks to foreclose on a mortgage to secure $217,500 affecting property located at 125 Greenwood Drive, Beacon 12508. Filed Nov. 13. Chiesa, Trina, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $205,794 affecting property located at 286 Route 32 South, New Paltz 12561. Filed Nov. 18.

WCBJ | HV Biz

Cipollone, Margaret Mary, individually and as surviving spouse of Mario J. Cipollone, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $118,000 affecting property located at 16 Courtland Place, Middletown 10940. Filed May 13. Clark, Samuel F. III, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $70,000 affecting property located at 11 S. Miller St., Newburgh 12550. Filed May 9. Cottignies, Mary Ann, et al. Filed by PennyMac Holdings LLC. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 144 Brook Trail, Greenwood Lake 10925. Filed May 14. Delacruz, Dylan, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $184,700 affecting property located at 28 Birch Terrace, Pawling 12564. Filed Nov. 17. Delaney, Lisa, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $366,500 affecting property located at 26 Watkins Drive, Walden 12586. Filed May 9. DeWeever, Keith G., et al. Filed by Mid-Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $80,000 affecting property located at 30 Denniston Drive, Saugerties 12477. Filed Nov. 18. Dickinson, Matthew, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $234,000 affecting property located at 51 S. Cross Road, Staatsburg 12580. Filed Nov. 14. Dillard, Thomas, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $355,311 affecting property located at 80 Coppergate Lane, Warwick 10990. Filed May 16. Escobar, Jose J., et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $180,000 affecting property located at 329 Nina St., New Windsor 12553. Filed May 16. Evans, Barrington T., et al. Filed by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure $202,500 affecting property located at 21 Kelsey Lane, Kerhonkson 12446. Filed Nov. 18.

Ferrara, John, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $295,900 affecting property located at 385 Route 32, Central Valley 10917. Filed May 12.

Hoek, Michael A., et al. Filed by DLJ Mortgage Capital Inc. Action: seeks to foreclose on a mortgage to secure $213,000 affecting property located at 539 Route 376, Hopewell Junction. Filed Nov. 17.

Fijor, Jan, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 13 Sterling St., Middletown 10940. Filed May 13.

Jacques, Jill C., et al. Filed by NationsCredit Financial Services Corp. Action: seeks to foreclose on a mortgage to secure $157,675 affecting property located at 115 Zock Road, Cuddebackville 12729. Filed May 16.

Fischetti, Jean, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 220 Maple Ave., Monroe 10950. Filed May 19. Gjikolli, Blerim, et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $164,900 affecting property located at 1 Fishkill Glen Drive, Unit D, Fishkill 12524. Filed Nov. 17. Gomez, Yeinmy, et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $166,920 affecting property located at 44 Patio Road, Middletown 10941. Filed May 20. Gorantla, Raja S., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $249,900 affecting property located at 703 Hewitt Lane, Unit 8, New Windsor 12553. Filed May 14. Guerrero, Luis A., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $171,894 affecting property located at 30 Grant St., Middletown. Filed May 9. Gutkin, Robert S., et al. Filed by Rondout Savings Bank. Action: seeks to foreclose on a mortgage to secure $114,700 affecting property located at 4944 Route 209, Accord. Filed Nov. 17. Hampton, Yvonne, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 100-102 Garden St., Poughkeepsie 12601. Filed Nov. 14. Hansen, Jon, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $174,000 affecting property located at 60 Buttermilk Falls Road, Warwick. Filed May 12. Herman, Beryle, et al. Filed by Quicken Loans Inc. Action: seeks to foreclose on a mortgage to secure $227,982 affecting property located at 241 Shaw Road, Middletown 10941. Filed May 14.

Janks, Cary D., et al. Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $343,250 affecting property located at 30 Heather Drive, Wappingers Falls 12590. Filed Nov. 7. Karus, Paul H., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $173,000 affecting property located at 62 High St., Unionville 10988. Filed May 19. Kelly, Jayne A., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $162,000 affecting property located at 1426 Route 44, Pleasant Valley 12569. Filed Nov. 13. Kelly, Wanda Y., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $192,000 affecting property located at 446 Route 32, Wallkill 12589. Filed May 16. Korinis, Thomas J., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $340,000 affecting property located at 643 Jersey Ave., Greenwood Lake 10925. Filed May 19. Kosilla, Michelle, administrator of the estate of Amy Kosilla, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $85,423 affecting property located at 4 Colonial Road, Unit 92, Beacon 12508. Filed Nov. 13.

Lawrence, Leslie W., 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 9 Cherokee Drive, Milton 12547. Filed Nov. 18. Leeming-Vick, Anthony, et al. Filed by American Financial Resources. Action: seeks to foreclose on a mortgage to secure $325,091 affecting property located at 12 Houghtailing Lane, Wallkill 12589. Filed Nov. 20. Lichtenstein, Zev, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $134,400 affecting property located at 8 Premishlan Way, Unit 102, Monroe 10950. Filed May 19. Longbucco, Paula, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $263,446 affecting property located at 30 Stephanie Lane, Poughkeepsie 12603. Filed Nov. 14. Maguire, James J. Jr., et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $211,110 affecting property located at 102 Warwick Turnpike, Warwick 10990. Filed May 14. Martinez, Billy, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $241,062 affecting property located at 52 Carney Road, Ulster Park 12487. Filed Nov. 18. Massari, Kristina, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $214,423 affecting property located at 89 Rolling Meadows Road, Middletown 10940. Filed May 13. McBean, Damarr A., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $300,463 affecting property located at 38 Cobblestone Lane, No. 3101, Middletown 10940. Filed May 9.

Krummel, Brian, et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $183,477 affecting property located at 28 Roosevelt Ave., Middletown 10940. Filed May 20.

McMillian, Curtis, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $185,600 affecting property located at 78 Prospect St., Newburgh. Filed May 14.

Kuczyra, Michael, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $169,550 affecting property located at 1441 Greenville Turnpike, Port Jervis 12771. Filed May 20.

Mikuliak, Sue Ellen M., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $102,000 affecting property located at 37 Weathervane Drive, Washingtonville 10992. Filed May 15.

FACTS & FIGURES Miller, Millicent, 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 59 Creamery Drive, New Windsor 12553. Filed May 15.

Orﬁni, Jennifer, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $119,000 affecting property located at 3 Brook Drive, Unit 28, Washingtonville 10992. Filed May 20.

Rosenfeld, Jeﬀrey M., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $95,200 affecting property located at 46 Tanager Road, Apt. 4604, Monroe 10950. Filed May 14.

Millett, Vito J., et al. Filed by the State of New York Mortgage Agency. Action: seeks to foreclose on a mortgage to secure $282,500 affecting property located at 69 High Ridge Road, Monroe 10950. Filed May 9.

Page, Patrick, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $420,000 affecting property located at 27-29 Rombout Road, Poughkeepsie 12603. Filed Nov. 17.

Ross, Thomas F., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 6448 Route 55, Wingdale 12594. Filed Nov. 17.

Mitchell, Patrick J., as coexecutor of the estate of Helen M. Mitchell, et al. Filed by Reverse Mortgage Solutions Inc. Action: seeks to foreclose on a mortgage to secure $505,875 affecting property located at 2 Westlin Lane, Cornwall-on-Hudson 12518. Filed May 15.

Pennington, Mary B., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $175,000 affecting property located at 1832 Lakes Road, Monroe 10950. Filed May 9.

Russell, Barry G., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $170,000 affecting property located at 5 Benson Ave., Newburgh 12550. Filed May 14.

Montgomery, Kerri S., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $299,471 affecting property located at 2003 Mount Hope Road, Middletown 10940. Filed May 16. Muhlbauer, Claire, et al. Filed by Household Finance Realty Corporation of New York. Action: seeks to foreclose on a mortgage to secure $329,179 affecting property located at 31 Barnard Ave., Poughkeepsie 12601. Filed Nov. 10. Nicola, Debra M., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $405,000 affecting property located at 53 Terwilliger Road, Hyde Park 12538. Filed Nov. 14. Nilsestuen, Peter G., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $164,800 affecting property located at 38 Orchard St., Warwick 10990. Filed May 12. O’Brien, Robert M., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $270,883 affecting property located at 92 Spackenkill Road, Poughkeepsie 12603. Filed Nov. 13. O’Connell, Michelle D., et al. Filed by Vericrest Financial Inc. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 20 Revere Road, Newburgh 12550. Filed May 14.

Quinn, Ariane B., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $192,707 affecting property located at 31 Lake St., Highland Falls 10928. Filed May 13. Raylor, Glynn A., et al. Filed by Residential Mortgage Loan Trust 2013-TT2. Action: seeks to foreclose on a mortgage to secure $131,500 affecting property located at 119 N. Clove Road, Unionvale 12585. Filed Nov. 13. Reilly, Dameon, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $412,000 affecting property located at 201 Golf Links Road, Middletown 10940. Filed May 9. Riggs, Howard C., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $299,243 affecting property located in Clinton. Filed Nov. 7. Rios, Jose L., et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 17 Hawthorne Ave., Newburgh 12550. Filed May 12. Rivera, Manuel, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $237,200 affecting property located at 73 Lake Trail, Greenwood Lake 10925. Filed May 20. Rodriguez, Manuel I., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $158,219 affecting property located at 344 First St., Newburgh 12550. Filed May 15.

Sajdak, David E., et al. Filed by Quicken Loans Inc. Action: seeks to foreclose on a mortgage to secure $335,658 affecting property located at 8 Rombout Ridge Road, Poughkeepsie 12603. Filed Nov. 17. Schaub, Christopher, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $264,100 affecting property located at 8 Ann Place, Monroe 10950. Filed May 19. Schondra, Daria, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $249,000 affecting property located at 91 Vincent Drive, Middletown 10940. Filed May 16. Sheridan, Patricia A., et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $114,950 affecting property located at 17 Pear Tree Hill Road, Pawling 12564. Filed Nov. 14. Silva, Frank, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $174,000 affecting property located at 32 Woodycrest Trail, Monroe 10950. Filed May 12. Simpson, James W., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 660 N. Quaker Lane, Hyde Park 12538. Filed Nov. 7. Sirull, Michael, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $90,000 affecting property located at 115 E. Main St., Washingtonville 10992. Filed May 15.

Spiegel, John A., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $346,500 affecting property located at 7 Hellman Court, Wappingers Falls 12590. Filed Nov. 7.

Wilson, Wanda, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 2109 Whispering Hills, Chester 10918. Filed May 15.

Sustack, Jason, et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 443 Ingrassia Road, Middletown 10940. Filed May 14.

Wimmers, Christopher, et al. Filed by Franklin Venture LLC. Action: seeks to foreclose on a mortgage to secure $148,000 affecting property located at 64 Sunnybrook Circle, Highland 12528. Filed Nov. 20.

Toala, Maira, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $317,000 affecting property located at 277 Seven Springs Mountain Road, Monroe 10950. Filed May 19.

Winby, Allan, et al. Filed by Mid-Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $115,000 affecting property located at 21 Indian Trail, Stanford. Filed Nov. 14.

Toapha, Mary Elizabeth, et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $375,964 affecting property located at 66 Cromwell Hill Road, Monroe 10950. Filed May 9. Troncone, Wendy S., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $350,000 affecting property located at 61 Berea Road, Walden 12586. Filed May 15. Unknown heirs of the estate of Catherine H. O’Reilly, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $360,000 affecting property located at 135 Green Haven Road, Poughquag 12570. Filed Nov. 14. Unknown heirs of the estate of Theresa M. Giudice, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $322,500 affecting property located at 14 Hillside Court, Newburgh 12550. Filed May 16. Unknown heirs of the estate of Wade Willis, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $145,600 affecting property located at 97 First St., Walden 12586. Filed May 12. Vittorini, David, et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $258,068 affecting property located at 56 Wileman Ave., Walden 12586. Filed May 9. Wallace, Edward R., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $74,600 affecting property located at 91 Tarbell Road, Bloomingburg 12721. Filed May 9.

Wood, Nicholas, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $249,066 affecting property located at 39 Orange St., Marlboro 12542. Filed Nov. 19. Yegelwell, David, 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 8 McNally St., Goshen 10924. Filed May 9. Yonnetti, Thomas, et al. Filed by Central Mortgage Co. Action: seeks to foreclose on a mortgage to secure $293,000 affecting property located at 795 Creek Locks Road, Rosendale 12472. Filed Nov. 18. Zeigler, Edward, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $270,000 affecting property located at 570 Lybolt Road, Middletown 10941. Filed May 9.

MECHANIC’S LIENS Bloom, Ellen J., as owner. $1,997 as claimed by WDFA Property Services, Lake Katrine. Property: in Lake Katrine. Filed Nov. 20. Bluestone Developers Inc., as owner. $4,663 as claimed by Grant Engineering, New York City. Property: 1 Liberty St., Newburgh. Filed Nov. 20. Britton, Anthony G., et al, as owner. $34,597 as claimed by Messco Building Supply, Warwick. Property: in Warwick. Filed Nov. 21. Forchette, John, et al, as owner. $1,700 as claimed by F and A Concrete Inc., Unionville. Property: in Greenwood Lake. Filed Nov. 20.

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Fried, Chaim, as owner. $30,000 as claimed by Onsite Buidling, Monroe. Property: 10 Ruzhin 301, Monroe. Filed Nov. 20. JG Realty Projects LLC, as owner. $9,750 as claimed by Petrakis Trucking and Excavating Inc., Florida. Property: 232 Minisink Turnpike, Westtown 10998. Filed Nov. 21. Lanigan, Colm, et al, New York City, as owner. $4,655 as claimed by Fairview Hearthside Distributors LLC, Poughkeepsie. Property: 112 Sand Hill Road, Gardiner. Filed Nov. 20. Ross Homes of Orange County Inc., as owner. $5,805 as claimed by John Falvella Inc., Montgomery. Property: 49 Donnelly Farm Road, Montgomery 12549. Filed Nov. 24. Vanderlinde, Chris, as owner. $320 as claimed by Soltish Electric, Poughkeepsie. Property: 73 Edgehill Drive, Wappingers. Filed Nov. 17.

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

Doing Business As Chana Perl Inc., d.b.a. D and S Deals, 7 Sasev Court, No. 201, Monroe 10950. Filed March 25. Pintooo Corp., d.b.a. T Zone, 67 Anna Court, Middletown 10941. Filed March 25. Real Goods Solar Inc., d.b.a. RGS Ener�y, 36 Midland Ave., Port Chester 10573. Filed March 25.

Partnerships Green Cleaning Solutions, 245 Orchard Drive, Monroe, c/o Donnamarie Lagreca and Walter Klippel. Filed March 27. Newburgh Brown 60, P.O. Box 2341, Newburgh 12550, c/o Ramona L. Burton and Malinda Ware. Filed March 24.

Sole Proprietorships A Steele House, 101 Monhagen Ave., Middletown 10940, c/o Sarah A. Parmely. Filed March 24.

December 1, 2014

FACTS & FIGURES Bark of the Town, 19 Orchard St., Walden 12586, c/o Lisa Vesely. Filed March 26. Ben the Builder, 17 Robinson St., Saugerties 12477, c/o Benjamin J. Squires. Filed Nov. 17. ChaddrBox, 20 Still Road, Monroe 10950, c/o Michael Jason Sgambati. Filed March 27. Clean Performance, 22 Walnut Lane, Middletown 10940, c/o David Diaz. Filed March 27. Cozart Worldwide, 11 Derose Lane, Chester 10918, c/o Ronald S. Cozart Jr. Filed March 25. Dancin Diva, 1388 Kings Highway, Sugar Loaf, c/o Sonya Rachelle Roberts. Filed March 28.

Eagle Peak Acupuncture, 101 Hurley Ave., Kingston 12401, c/o Jacquelyn Rose Riddick. Filed Nov. 17.

Mayer and Son’s, P.O. Box 421, Hurley 12443, c/o Jeffrey J. Mayer. Filed Nov. 18.

Eddie’s Churro Factory, 5322 Route 9W, Newburgh 12550, c/o Edwin Garcia. Filed March 26.

My Home Away From Home, 167 Wood Road, Westtown 10998, c/o Monika Tyminski. Filed March 21.

G.O. Electric, 1824 Route 52, Walden 12586, c/o Robert Anthony Gailie. Filed March 25.

NY Grocery Deli, 702B Broadway, Kingston 12401, c/o Assamet A. Alzanam. Filed Nov. 20.

Hudson Valley Hot Rods, 102 Lewis Court, Washingtonville 10992, c/o Paul Niemann. Filed March 28.

Pine Bush Realty Properties, 11 Walnut St., Walden 12586, c/o Raymond Zingale. Filed March 28.

Just Like New, 871 Route 284, Westtown, c/o Patricia Bechtold. Filed March 26. Landmark Property Management, 58 Big Island Road, Warwick 10990, c/o Rolf J. Klink. Filed March 27.

Plural Studios, 71 B Broadway, Kingston 12401, c/o Courtney L. Starrett. Filed Nov. 20. Pro Clean K The Oﬃce Cleaner, 13 Courtland St., Middletown 10940, c/o Joseph Anthony Yordan. Filed March 24.

M and S Cleaning Services, 12 Knox Ave., Middletown 10940, c/o Aida Munoz. Filed March 25.

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December 1, 2014

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Real Spice A Taste of the Islands, 171 Broadway, Newburgh 12550, c/o Kirkland Salmon. Filed March 27.

Sorice Home Improvements, 23 Seth Drive, New Hampton 10958, c/o Pellegrino Sorice. Filed March 28.

ReasonIO, 51 Glen St., Kingston 12401, c/o Gregory Brian Sadler. Filed Nov. 14.

Steel Horse Bike Works, 21 National St., Napanoch 12458, c/o Jason K. McCarthy. Filed Nov. 18.

S.L.D. Real Estate and Remodeling, 30 Barbara Drive, Warwick 10990, c/o Samuel Lee Davies. Filed March 26.

Stokes Painting and Construction, 32 N. Wilbur Ave., Kingston 12401, c/o Christopher J. Stokes. Filed Nov. 20.

Saugerties Dutchmen, 27 Barbaras Court, Saugerties 12477, c/o Gregory L. Helsmoortel. Filed Nov. 20.

Sweettooth Chocolates, 276 Winterton Road, Bloomingburg 12721, c/o Melissa A. Jones. Filed March 25.

Saugerties Websites, 1053 Glasco Turnpike, Saugerties 12477, c/o Ried F. Hubbard. Filed Nov. 19.

The Maybrook Flea Market, 4 Heather Lane, Wallkill 12589, c/o Kenneth William Wensley. Filed March 28.

Unusual Suspects, 15 Maple St., Newburgh, c/o Michael P. Ruckdeschel. Filed March 26. Warner Medical Billing and Collections, P.O. Box 232, Connelly 12417, c/o Samantha M. Warner. Filed Nov. 19. Woodstock Millwork, 1474 Route 28, West Hurley 12491, c/o Jordan C. Voelker. Filed Nov. 17. Woodstock Print Express, 90 Mill Hill Road, Woodstock 12498, c/o Erik C. Fisher. Filed Nov. 20.

LEGAL NOTICES ECB OPPORTUNITIES LLC, Arts., of Org., filed with NY Sec. of State (ìSSNYî) 9/23/2014. Office in New York County; SSNY designated agent for service of process with copy mailed to ECB Opportunities LLC, 48 Circle Drive, HastingsOn-Hudson, NY 10706, Attn: Cliff Lewis., All lawful business purposes. #59661

950 E. Main Shrub Oak LLC Notice of Formation of 950 E. Main Shrub Oak LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on 9/29/2014. Office Location 205 S. Riverside Avenue, Croton on Hudson, NY (Westchester County). SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to: 205 S Riverside Avenue, Croton on Hudson, NY 10520. Purpose: any lawful activity #59671

93 W. Main Elmsford LLC Notice of Formation of 93 W. Main Elmsford LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on 9/29/2014. Office Location 205 S. Riverside Avenue, Croton on Hudson, NY (Westchester County). SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to: 205 S Riverside Avenue, Croton on Hudson, NY 10520. Purpose: any lawful activity #59672

Notice of formation of Limited Liability Company (ìLLCî). Name: Macquesten Takeover Partners, LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on July 3, 2014. N.Y. office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to Macquesten Takeover Partners, LLC, c/o The MacQuesten Companies, 438 Fifth Avenue, Suite 100, Pelham, New York 10803. Purpose/character of LLC is to engage in any lawful act or activity. #59673

Serenity Gifts Kennedi Cakes, LLC Art of Org filed with the Secretary of State of New York on 08/01/14.Office location: Westchester County: SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, 18 Cedar Place Rye, NY 10580, Purpose: any lawful purpose. #59674

Notice of formation of Luxmark Capital Investing LLC., Arts. Of Org. filed with the Sectíy of State of NY (SSNY) on October 20, 2014. Office location: Westchester. The street address is: 207 Longvue Terrace, Yonkers, NY 10710. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process served to: The Limited Liability Company, 207 Longvue Terrace, Yonkers, NY 10710. Purpose: any lawful act. #59675

Notice of Formation of MOORE LAW FIRM, PLLC. Arts. of Org. was filed with SSNY on 9/11/14. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: C/O THE LLC, 7 Radcliffe Ave., Rye, NY 10580. Purpose: to engage in the practice of Law. #59676

HEADS UP PEDIATRICS, PLLC, a Prof. LLC. Arts. of Org. filed with the SSNY on 10/09/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 1414 Park Lane, Pelham Manor, NY 10803. Profession to be practiced is Medicine. #59678

VG HAIR DESIGNS, LLC, Arts. of Org. filed with the SSNY on 07/21/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Vilma Gjuraj, 111 Park Hill Ave Apt 4B, Yonkers, NY 10701. Purpose: Any Lawful Purpose. #59679

ANMAC WHITE PLAINS LEASE, LLC, Arts. of Org. filed with the SSNY on 10/23/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: The LLC, Anmac Holding Company LLC, 700 East Gate Dr., Ste. 400, Mt. Laurel, NJ 08054. Purpose: Any Lawful Purpose #59680

Notice of formation of Sugarsoap Productions LLC. Art. of Org. filed with Secy. of State (SSNY) on 10/2/14. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to 69 Willow Avenue, Larchmont, NY 10538. Purpose: Any lawful activity. #59681

Notice of formation of Limited Liability Company (ìLLCî). Name: MacQuesten Takeover Manager LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on October 23, 2014. N.Y. office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to MacQuesten Takeover Manager LLC, c/o The MacQuesten Companies, 438 Fifth Avenue, Suite 100, Pelham, New York 10803. Purpose/character of LLC is to engage in any lawful act or activity. #59682

NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY. NAME: Kishaya 1 LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on August 27. 2014. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to the LLC c/o Kishuya 1 LLC, 1 Acker Drive, Rye Brook, NY 10573. Purpose: For any lawful purpose #59684

Notice of Formation of HBMB LLC. Art. of Org. filed Secy. of State of NY (SSNY) on 10/22/2014. Office location: Westchester. SSNY Designated as agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to: The LLC, 19 Boulder Brook Road, Scarsdale, NY 10583. Purpose: any lawful activity. #59685

NOTICE OF FORMATION: CUFFED?, LLC Art of Org filed with the Secretary of State of New York (SSNY) on 08/25/14. Office location: Westchester County. SSNY designated as agent upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, PO BOX 40 Bronx, NY 10470. Purpose: any lawful purpose #59686

MAMARONECK MEDICAL, PLLC, a Prof. LLC, Arts. of Org. filed with the SSNY on 10/22/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 933 Mamaroneck Ave., Ste 102, Mamaroneck , NY 10543. Profession to be practiced: Medicine. #59691

J.M. AQUINO PSYCHOLOGIST PLLC, a Prof. LLC, Arts. of Org. filed with the SSNY on 10/27/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 10 Rye Ridge Plaza, Ste 214, Rye Brook, NY 10573. Purpose: To Practice The Profession Of Psychology #59692

Notice of Formation of CATS CATS CATS PRODUCTIONS, LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 10/1/14. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 21 The Crossing at Blind Brook, Purchase, NY 10577. Purpose. Any lawful act or activity. #59693

Notice of Formation of CM Mental Health Counseling, PLLC. Art. Of Org. filed with SSNY on 10/16/2014. Office location: Westchester County. U.S. Corp. Agents Inc. designated as agent of the PLLC upon whom process against it may be served. SSNY shall mail process to: 7014 13th Ave., Ste. 202, Brooklyn NY, 11228. Purpose: any lawful purpose. #59694

Notice of formation of PLLC: Nolan Landscape Architects, PLLC. Art. of Org. filed with the Secretary of State of New York (SSNY) on 7/9/2014. Location: Westchester County. SSNY design. as agent upon whom process against it may be served. SSNY shall mail a copy of process to: United States Corporation Agents, Inc., 7014 13th Ave, Ste 202, Brooklyn, NY 11228. Purpose: Practice of the profession of Landscape Architecture. #59696

WHITE PLAINS ORAL AND MAXILLOFACIAL SURGERY PLLC, a Prof. LLC. Arts. of Org. filed with the SSNY on 11/04/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 105 South Bedford Rd., Ste. 330, Mt. Kisco, NY 10549. Purpose: To practice the profession of Dentistry. #59697

PRD ENTERPRISES LLC, Arts. of Org. filed with the SSNY on 10/30/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 26 Ramona Court, New Rochelle, NY 10804. Purpose: Any Lawful Purpose. #59698

OLIN DOCUMENT MANAGEMENT LLC, Arts. of Org. filed with the SSNY on 11/03/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 578 Nepperhan Ave., Yonkers, NY 10701. Purpose: Any Lawful Purpose. #59699

ATI, LLC, Authority filed with the SSNY on 10/03/2014 FICT NAME: ATI, LLC OPERATIONS. Office loc: Westchester County. LLC formed in CT on 01/12/2010. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 34 Industrial Park Place , Middletown, CT 06457. Address required to be maintained in CT: 34 Industrial Park Place Middletown CT 06457. Cert of Formation filed with CT Sec. of State, Commercial Recording Div., P.O. Box 150470, Hartford, CT 06115. Purpose: Any Lawful Purpose. #59700

SHN Strategies LLC. Art. of Org. filed w/ NY Sec. of State (SSNY) on 11/3/14. Office in Westchester Co. SSNY designated agent for service of process. SSNY shall mail process to Uwa Emumwen, 2 Grant Way, White Plains, NY 10607. Purpose: Any lawful activity #59702

JOHNSON LAW FIRM, PLLC, a Prof. LLC, Arts. of Org. filed with the SSNY on 10/21/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: C/O Geoffrey Johnson, Esq., Ste 207, 106 Corporate Park Dr., White Plains, NY 10604. Purpose: To Practice The Profession Of Law #59703

Notice of Application for Authority of KIM KAISER AND ASSOCIATES, LLC filed with the Secretary of State of New York (SSNY) on 10/22/2014. Formed in Delaware 11/04/2004. Office location: Westchester County. The SSNY is designated as agent of LLC upon whom process against it may be served. The principal office location, and the address SSNY shall mail copy of process to, is 151 Centre Avenue # 1-A, New Rochelle, NY 10805. The office address required to be maintained in Delaware is c/o National Corporate Research Ltd., 615 S. Dupont Highway, Dover, Delaware 19901. The name of the authorized officer in Delaware where a copy of the LLCís Articles of Organization is filed is Delaware Secretary of State, Division of Corporations, 401 Federal St., Suite 4, Dover, Delaware 19901. Purpose: any lawful activity #59704

Notice of formation of GROWING MINDS CHESS ACADEMY LLC. Art. Of Org. filed with the Sectíy of State of NY (SSNY) on 08/18/14. Office in Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 80 Carrollwood Dr Tarrytown, NY 10591. Purpose: Any Lawful Purpose #59705

NOTICE OF FORMATION OF #Marketing Services, LLC Arts. of Org. filed w/Secy of State of NY on 10/17/14, Office loc: Westchester Cty, SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Lyons McGovern LLP, 399 Knollwood Rd, Ste 216, White Plains, NY 10603. Purpose: Any lawful activity #59706

Notice of Formation of AeriaLab LLC Art. of Org.filed with SSNY on 9/24/14. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC 624 White Plains Rd. #245 Tarrytown, NY10591. Purpose: any lawful purpose. #59707

FOUR M BAKERY OF WHITE PLAINS, LLC, Arts. of Org. filed with the SSNY on 09/04/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: James Bitzonis, 7 Renaissane Square, 5th Fl., White Plains, NY 10601. Purpose: Any Lawful Purpose. #59708

SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER SUPPLEMENTAL SUMMONS AND NOTICE Index No. 59824/2014 Date Filed: 10/27/2014 Bank of America, N.A., Plaintiff, against Elizabeth Sterino a/k/a Elizabeth T. Sterino, if she be living or if she be dead, her spouse, heirs devisees, distributees and successors in interest, all of whom and whose names and places of residence are unknown to Plaintiff; State of New York; and “JOHN DOE #1” through “JOHN DOE #10”, the last ten names being fictitious and unknown to the Plaintiff, the person or parties intended being the person or parties, if any, having or claiming an interest in or lien upon the mortgaged premises described in the complaint, Defendants. PROPERTY ADDRESS: 128 Croton Avenue, Ossining, NY 10562 TO THE ABOVE NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your answer, or a notice of appearance on the attorneys for the Plaintiff within thirty (30) days after the service of this summons, exclusive of the day of service. The United States of America, if designated as a defendant in this action, may appear within sixty (60) days of service hereof. In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT THE OBJECT of the above captioned action is to foreclose a Mortgage to secure $238,960.00 and interest, recorded in the WESTCHESTER County Clerkís Office on July 25, 2006, in Control Number 461800086 covering premises known as 128 Croton Avenue, Ossining, NY 10562. The relief sought in the within action is a final judgment directing the sale of the premises described above to satisfy the debt secured by the Mortgage described above. Plaintiff designates WESTCHESTER County as the place of trial. Venue is based upon the County in which the mortgaged premises is situated. NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME IF YOU DO NOT RESPOND TO THIS SUMMONS AND COMPLAINT BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE MORTGAGE COMPANY WHO FILED THIS FORECLOSURE PROCEEDING AGAINST YOU AND FILING THE ANSWER WITH THE COURT, A DEFAULT JUDGMENT MAY BE ENTERED AND YOU CAN LOSE YOUR HOME. SPEAK TO AN ATTORNEY OR GO TO THE COURT WHERE YOUR CASE IS PENDING FOR FURTHER INFORMATION ON HOW TO ANSWER THE SUMMONS AND PROTECT YOUR PROPERTY. SENDING A PAYMENT TO YOUR MORTGAGE COMPANY WILL NOT STOP THIS FORECLOSURE ACTION. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. Dated: October 8, 2014 Frank M. Cassara, Esq. Associate Attorney Shapiro, DiCaro & Barak, LLC Attorneys for Plaintiff 175 Mile Crossing Boulevard, Rochester, NY 14624 (585) 247-9000 Our File No. 14-034318 Premises known as 128 Croton Avenue, Ossining, NY 10562. All that certain property situate, lying and being in the Village of Ossining, County of WESTCHESTER, State of New York. Section 89.16, Block 7, Lot 52 and Section 2.15, Block 27, Lot 4 #59689

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December 1, 2014

LEGAL NOTICES THE CENTER FOR VISUAL MANAGEMENT LLC, Arts. of Org. filed with the SSNY on 10/21/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 150 White Plains Rd, Tarrytown, NY 10591. Reg Agent: Barbara KotsaminidisBurg, 109 Sunfish Landing, Mohegan Lake, NY 10547. Purpose: Any Lawful Purpose. #59709

BLACKBIRD REALTY LLC, Arts. of Org. filed with the SSNY on 11/05/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: The LLC, 58-64A Maurice Ave, Maspeth , NY 11378. Purpose: Any Lawful Purpose. #59710

Notice is hereby given that a restaurant wine license #TBA has been applied for by Grandma’s 202 Inc. to sell beer and wine at retail in an on premises establishment. For on premises consumption under the ABC law at 3525 Crompond Road Rte 202 Cortlandt Manor, NY 10567. #59711

Notice of formation of Chirico Realty Group LLC Arts. of Org. filed with SSNY on 10-27-14 Office Location: Westchester County. SSNY designated as agent for LLC for service of process, SSNY shall mail process to: Chirico Realty Group LLC, 24 Bronxville Glen Drive, # 4-14 Bronxville, NY 10708. Purpose: any lawful purpose. #59712

Notice of Formation of Booked Parties, LLC, Articles of Organization filed with Secretary of State of New York (SSNY) on 11/07/2014. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: C/O Booked Parties, LLC, 15 Leroy Place, Chappaqua, NY 10514. Purpose: any lawful purpose. #59713

Notice is hereby given that a restaurant wine license #TBA has been applied for by Palmer Avenue Pizza Corp. to sell beer and wine at retail in an on premises establishment. For on premises consumption under the ABC law at 26 Palmer Avenue Bronxville, NY 10708 #59714

Notice of Formation of Limited Liability Company (LLC). Name: Summit JV LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 9/10/14. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 200 Business Park Dr, Ste 203, Armonk, NY 10504, which is the principle business location of the LLC. Purpose: any lawful activity. #59715

BENT NAIL PRODUCTIONS LLC, Arts. of Org. filed with the SSNY on 11/19/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Ross Chambers, 1110 Hudson Ave., Peekskill, NY 10566. Purpose: Any Lawful Purpose. #59716

NOTICE OF FORMATION OF CBSI, LLC Arts. of Org. filed w/ Secy of State of NY on 11/19/14, Office loc: Westchester Cty, SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Celtic Building Supplies, 33 Mostyn Street, Yonkers, NY 10701. Purpose: Any lawful activity #59718

NOTICE OF FORMATION OF Crannog, LLC Arts. of Org. filed w/Secy of State of NY on 11/19/14, Office loc: Westchester Cty, SSNY designated as agent of LLC upon whom process against it may be served.SSNY shall mail process to: Damien Quinn,33 Mostyn Street, Yonkers, NY 10701.Purpose: Any lawful activity #59719

Notice is hereby given that an on-premise license, #TBA has been applied for by El Olivar Restaurant Corp d/b/a El Olibar to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 583 Main Street New Rochelle, NY 10801 #59722

CAPITAL HAVEN, LLC, Arts. of Org. filed with the SSNY on 11/20/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 22 Saw Mill River Road, Hawthorne, NY 10532. Reg Agent: Edward D. Heben, 22 Saw Mill River Road, Hawthorne, NY 10532. Purpose: Any Lawful Purpose. #59720

Notice is hereby given that an on-premise license, #TBA has been applied for by Green Circle Management, LLC to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 29 Purchase Street Rye, NY 10580. #59723

SHARP STONE HOLDINGS LLC, Arts. of Org. filed with the SSNY on 11/18/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: John Sharp, 82 Wharton Drive, Cortlandt Manor, NY 10567. Purpose: Any Lawful Purpose. #59721

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December 1, 2014

WCBJ | HV Biz

FACES& PLACES

TEAM EFFORT Top executives from The Madison Square Garden Co. took center court at The Business Council of Westchester’s 2014 Annual Dinner on Nov. 6 at the Westchester Marriot in Tarrytown. The event drew more than 600 business leaders. MSG President and CEO Tad Smith and former Knicks standout Allan Houston, who serves as assistant general manager for the Knicks, were joined by Al Trautwig of the MSG Network for a live interview during the dinner. The interview revolved around MSG’s new team, the Westchester Knicks, a Development League team. “This is an extraordinary place. We love being here. Westchester is really special. It’s a crown jewel of the southern part of New York,” Smith said during the interview. Smith, who is a resident of Westchester, added, “It has a great energy and great leadership that is something we can build upon.” All identifications are from left.

1. Allan Houston with Ann Fabrizio of ArtsWestchester.

2. County Executive Rob Astorino, The Business Council of Westchester President and CEO Marsha Gordon, Allan Houston and Al Trautwig. 3. Andy Tung of Divney Tung Schwalbe; Joanne Dao of Regeneron; and Pat Lynch of OLA Consulting Engineers. 4. Stephen J. Jones accepts the All Star Award for his service to The Business Council from Marsha Gordon. 5. Ruth Mahoney, president of Hudson Valley/Metro NY area, and Denise Povolny, senior vice president, both of KeyBank.

6. Guy Leibler of Simone Development Healthcare, Liz Bracken-Thompson, Tad Smith and Geoff Thompson, of Thompson and Bender. 7. Michael Schiliro, director of commercial lending with CMS Bank, former New York Liberty All-Star Teresa Weatherspoon and former Knicks and NBA All-Star John Starks.

WCBJ | HV Biz

December 1, 2014

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