Fair 071513 by Westfair Business Journal

FAIRFIELD COUNTY

BUSINESS JOURNAL YOUR ONLY SOURCE FOR REGIONAL BUSINESS NEWS | westfaironline.com

July 15, 2013 | VOL. 49, No. 28

CHARGED UP

FCBJ this week a Mortgage lender that originated in Fairfield is returning with a new retail office … 2 reaCtions Were MiXed after the Obama administration delayed a key provision of the Affordable Care Act … 3 PWC’s health researCh institute reports the rate of health care spending growth is at historic lows … 7 three Years aFter DoddFrank was signed into law, only 104 of 279 proposed regulations have become actively enforced … 9

Bridgeport Harbor Station. Photo courtesy of PSE&G.

GROUPS PUSH FOR COAL PLANT SHUTDOWN

MEDIA PARTNER

BY JENNIFER BISSELL jbissell@westfairinc.com

PUBLIC-PRIVATE SOLAR LEASING PROGRAM EXPANDS WITH $60M FUND BY PATRICK GALLAGHER pgallagher@westfairinc.com

ConneCtiCut, in PartnershiP with U.S. Bancorp and a consortium of lenders, has amassed nearly $60 million in financing to help expand a 2008 solar leasing program that has already facilitated more than 850 home solar system leases. The second rollout of the CT Solar

5Banner year

Lease program will provide for the installation of about 1,500 solar photovoltaic systems and about 400 solar thermal systems, which were not covered under the initial program. Additionally, businesses and larger organizations will be eligible to participate, with about $12 million reserved for leases of commercial-scale systems. Under the program, which was launched in August 2008 by the

President BaraCk oBaMa’s recent call to address climate change has renewed efforts to shutter the Bridgeport Harbor Station, a coal-fired power plant. After years of organizing, the Healthy Connecticut Alliance campaign remains adamant that the power station should be retired, although the owner of the plant contends it’s still needed as a backup power source. Previously the station has ranked as the eighth-worst for environmental injustices by the National Association for the Advancement of Colored People, based on emission levels and demographics of where the plant is located.

» solar, page 6

» Coal, page 6

15 Changing gears

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Coming full circle

national Mortgage lenDer MarKs return to FairFielD BY PATRICK GALLAGHER pgallagher@westfairinc.com

ohn Walsh contends direct lenders and mortgage brokers were not to blame for the housing crisis. Despite that, he says, lawmakers and regulators have come down hard on the industry. The result has been that firms such as Total Mortgages Services L.L.C., a national mortgage lender based in Milford, are more regulated than banks when it comes to the licensing of brokers and loan officers, said Walsh, the firm’s president. “We are more regulated than the banks from a licensing perspective,” Walsh said. “That’s a change based upon the financial crisis.” Now, loan officers for mortgage lenders must pass federal- and state-administered courses in order to be certified. “The mortgage industry got blamed for everything, and mortgage brokers in general and mortgage lenders,” Walsh said. “Although the banks were the ones who put out the products, for whatever reason,

they (regulators) decided that only the places that aren’t actual banks have to go through this rigorous testing process.” While that represents a benefit to consumers, “it’s not necessarily a level playing field for us to compete with the big banks,” Walsh said. Taking those challenges in stride, the firm, which originated in Fairfield in 1997, is in the midst of expanding both its corporate functions and its retail branches. Total Mortgage opened a retail office in Fairfield last month after unveiling a new Ridgefield office in May. The firm, which has grown to have a presence in more than two dozen states, also announced it had closed on the purchase of a 144,000-square-foot office complex at 185 Plains Road in Milford to serve as its future headquarters. Walsh said the moves will help accommodate the company’s growth, both within its corporate suites and its home market of southwest Connecticut. “We got our start in Fairfield down

on Sherman Street — we were there for a couple years and then we moved up to Milford,” Walsh said. “We’ve grown from a three-person office to about 150 people here in Milford,” with loan officers situated across 29 states and Washington, D.C., Walsh said. “We thought it was an opportune time to open up a smaller retail office in Fairfield to get a little more local and to reach out to the community on a more local level.” The new Fairfield retail branch is at 1873 Post Road, where it will primarily serve residents in Bridgeport, Easton, Norwalk, Westport and Weston, among other areas, the company said. The office will be managed by Joe Bartolomeo, a cofounder of Total Mortgage, and Thomas Bepko, a mortgage industry and U.S. Army veteran. It will initially be staffed by six to eight employees, with room for up to 15, Walsh said. Total Mortgage closed on its purchase of the 16-acre Milford Place Corporate Center in late June for $5.25 million. The seller, whose identity was not disclosed,

Total Mortgage Services L.L.C. employees at the opening of its Fairfield office. Photo courtesy of Total Mortgage.

was represented by Gene Pride of CBRE Group Inc.’s Stamford office and Tim Fegan and Dave Hansen of the firm’s New Haven office. The company said it plans to occupy about 30 percent of the building and that it would be moved in by this fall. The firm’s production, marketing and operations teams will all be housed in the new offices. All credit decisions are centralized at the Milford headquarters, Walsh said. “Everything is done under one roof,” he said. “That’s for control purposes, and we want to make sure we can keep our track record of 16 years of not having to buy back a loan.”

REAL ESTATE IN BRIEF

LEASING ACTIVITY MUTED IN SECOND QUARTER

Commercial leasing activity in Fairfield County and average rental rates for the second quarter were virtually unchanged from the same period a year ago, according to a quarterly market report from RHYS L.L.C. Fairfield County leasing activity totaled 673,120 square feet in the second quarter, down 0.5 percent from the second quarter of 2012. Similarly, the average rental rate of $33.07 was just barely higher than a year ago, when it was $33.05, according to the RHYS report. With nearly 11.7 million square feet of available space countywide, the availability rate decreased slightly to 22.26 percent in the second quarter from 22.76 percent the prior quarter and 22.34 percent in the second quarter of 2012. Demand remained strong for sublet space compared with space available for direct lease. Available sublet space fell to its lowest level since the third quarter of 2008, dropping nearly 12 percent to 1.56 million square feet from 1.76 million square feet a year ago. “It was a stronger quarter for sublet

deals than direct deals once again, which really just goes along with the trend we’ve seen of companies switching from the longer, five to 10-year deals, to subleased space, where deals tend to be just a year, three at most, and tend to be cheaper as well,” said Eric Grif�in, director of research and financial analysis for RHYS, a commercial leasing and management firm based in Stamford. Griffin said the trend is indicative of the cautious, wait-and-see approach by companies. In contrast to neighboring Westchester County, Griffin said there was still a smattering of larger deals in Fairfield County during the second quarter. “We had six deals of more than 20,000 square feet this quarter. Westchester, on the other hand, had only one,” he said. However, he noted that seven spaces of more than 20,000 square feet became available in Fairfield County during the quarter due to companies downsizing or relocating. The southern submarket, which includes Stamford and Greenwich and accounts for more than half the county’s

2 Week of July 15, 2013 • FairField County Business Journal

available space, saw its availability rate rise 4.9 percent since the second quarter of 2012. In contrast, the availability rate in the eastern submarket, which includes Bridgeport, Fairfield, Shelton, Stratford and Trumbull, dropped 11.2 percent over the past year, according to the RHYS report.

INVESTORS EYE NORTHEAST FOR DEVELOPMENT

The Northeast ranked second behind the Southwest in a recent survey by KPMG L.L.C. that asked real estate executives to identify the best regions for development and investment opportunities. Looking toward 2014, multi-family housing, retail and hospitality developments were identified as likely being the most active areas nationally, according to the 2013 KMPG Commercial Real Estate Outlook Survey. Forty-three percent of those who participated said they expect “a significant amount” of multifamily developments to launch. Additionally, 19 percent said they expect a significant amount of development in retail in 2014 and 18 percent

expect hospitality to be strong. Mary C. Grande, a partner in KPMG’s real estate practice who works in the firm’s Stamford office, said the survey results are largely in line with what she has observed in the Fairfield County marketplace. Multi family housing “continues to be the top sector, and particularly around transit-oriented developments,” Grande said. “Developers I work with recognize and appreciate that the investments should be made where they can attract tenants who will then have easy access” to transportation and their workplace. In Fairfield County, Grande said investment is likely to be a split between new projects and upgrades to existing properties. “Leasing vacancy rates are still high, so in terms of trying to attract tenants we are definitely seeing owners be more proactive in making the investments in their properties and making them full-access properties,” she said. “It’s a mix — I think in multifamily we’re seeing more new developments and in office space we’re seeing more rehabs.” — Patrick Gallagher

Insurance detour ManDate on HolD For soMe

BY BILL FALLON bfallon@westfairinc.com

sked why he follows the nuances of health care reform so acutely, Norwalk-based Pierson & Smith senior account executive Michael Kedersha didn’t mince words: “My clients need to know.” What they need to know remains in flux, as evidenced by the federal government’s delay of the Patient Protection and Affordable Care Act’s provision for employer-based coverage. Those with more than 50 employees have an extra year to comply, but Kedersha, whose financial management company just celebrated 60 years in business, saw deeper fissures in the delay. “They’re acknowledging it doesn’t work,” he said. “Why rush something this major? “They need to repeal it all,” he said. “Dissecting it part by part is going to be difficult.” Across the border in New York,

however, a former state senator from Manhattan, John Ravitz, who serves as point person on the Affordable Care Act for The Business Council of Westchester, said his informational role continues. “There is some breathing room,” he said, but he does not foresee repeal and noted: “A year goes by very quickly.” Both New York and Connecticut are using federal money to establish health marketplaces set to open Oct. 1. Thirteen additional states and the District of Columbia are making marketplaces; the remainder will use a federal model. The full law had been set to go into effect Jan.1, 2014. Kedersha, who discussed the Affordable Care Act at a recent Business Council of Fairfield County event, said the year-long delay was a warning sign. “The delay of a year affects other elements,” he said. “Can the health exchanges offer viable and competitive products when the law is not applied to everyone? We need to take a deep breath; we need to test the system first. As much as they say they’re

ready, the federal program is not ready.” “It was too big a change to get done with a seamless process,” said Ravitz, who serves as executive vice president and COO of The Business Council. “A year gives businesses with more than 50 employees more time, but there is still a lot of information to take in. “Our immediate goal is the same as it has been since April 1,” he said. “We are meeting with people who do not know about the Oct. 1 exchange; talking about tax credits retroactive to 2010; determining what constitutes a full-time employee; and basic terminology like copays and deductibles. “Washington was hearing the law presented too much burden in the timeframe given,” Ravitz said. “It’s a relief for larger businesses, but I hope they’re not thinking it is never going to happen … unless they repeal the law. And I don’t think that will happen.” The National Federation of Independent Business’ director of federal public policy, Amanda Austin, said, “This

“Make

is simply the latest evidence that implementation of this terrible law is going to be difficult if not impossible, and the burden is going to fall on the people who create American jobs. Temporary relief is small consolation. We need a permanent fix to this provision to provide long-term relief for small employers.” Amy Allen, managing director of advocacy and international trade for the Westchester County Association who also heads the association’s Healthcare Consortium, said, “The delay of the employer health care mandate is very good news for the business community and completely validates our position that the new law and its regulations are unclear. “Business does not like uncertainty, and there is plenty of confusion to go around,” she said. “The Affordable Care Act law is thousands of pages long. On top of that, there are several thousand more pages of regulations from the IRS, Department of Labor and other agencies » insurance, page 7

A Statement ”

YO UR CO MP AN Y NA ME

Nick Deluca x105 nickdeluca@signatureg.com SIGNATURE GROUP 203-655-1414 www.signatureg.com FAIRFIELD COUNTY BUSINESS JOURNAL • Week of July 15, 2013

PERSPECTIVES

FAIRFIELD COUNTY

BUSINESS JOURNAL

Simplifying the tax code THE FOLLOWING ARE EXCERPTS FROM A JULY 3 LETTER FROM JOHN ENGLER, PRESIDENT OF BUSINESS ROUNDTABLE, TO U.S. SEN. MAX BAUCUS, A MONTANA DEMOCRAT WHO CHAIRS THE SENATE COMMITTEE ON FINANCE, AND U.S. REP. DAVE CAMP, A MICHIGAN REPUBLICAN WHO CHAIRS THE HOUSE OF REPRESENTATIVES COMMITTEE ON WAYS AND MEANS. “I write to share with you our concerns with a recent U.S. Government Accountability Office (GAO) study, Effective Tax Rates Can Differ Significantly from the Statutory Rate, which suggests profitable American companies pay a low effective corporate income tax rate. The GAO report is based on flawed analysis and fails to note the findings of nearly every other study on this issue: American companies, in addition to having the highest statutory tax rate in the developed world, also face some of the highest effective tax rates in the world. An April 2011 Business Roundtable report on global effective tax rates, for example, finds that American companies faced an average worldwide effective tax rate of 27.7 percent, compared to 19.5 percent for non-U.S. global companies over the period 2006-2009. “The Roundtable has significant concerns with the GAO’s analysis, methodology and conclusions. The GAO evaluated a period (2008-2010) when many profitable companies (by GAO’s definition) were still absorbing losses from prior years after the greatest recession since the Great Depression. Losses from prior years are not carried forward on financial

statements, but they are for tax purposes. The Congressional Budget Office projects that federal corporate income tax payments have increased by more than 50 percent between 2010 and 2013 and by more than 100 percent since 2009, suggesting that GAO’s window of analysis would produce skewed results. “Another comparison by GAO concludes that, in 2010, profitable corporations paid only 21 percent of their taxable income in federal income taxes, ‘well below the top statutory tax rate of 35 percent.’ But GAO fails to explain why. Nearly the entire difference is due to foreign tax payments by American companies and the foreign tax credit allowed for these payments. • As you know, under U.S. tax rules, foreign dividends paid to U.S. shareholders are included in taxable income, but companies are allowed a tax credit for the foreign taxes paid on this income. Were it not for the foreign tax credit, income earned, for example, in Japan — on which Japanese tax of 35 percent has been paid — would be subject to an additional 35 percent federal tax in the United States, a whopping total tax rate of 70 percent. • Accounting for the foreign tax credit,

THEY SAID IT “we decided just to get out of washington and just meet with people around the country and you’re number one. there is a bit of bubble in washington, it’s true. and we’re just doing (our) best to kind of break it in some respect. ... “we hear it constantly: u.s. companies with their higher statutory rates are just having a harder time with international competition.” — U.S. Sen. Max Baucus, at the headquarters of 3M Co. in St. Paul, Minn., where he and U.S. Rep. Dave Camp recently discussed corporate tax reform as part of a nationwide tour.

“other nations have dramatically reformed their tax codes and we haven’t. we’ve been static. ... “there will be partisan differences, but ultimately there will be a bipartisan bill. it’s going to have to be a bipartisan product if we want to move the country forward.” — U.S. Rep. Dave Camp

4 Week of July 15, 2013 • FairField County Business Journal

the effective tax rate measured as the ratio of federal income taxes and foreign tax credits to taxable income is 33.3 percent in 2009 (the most recent year for which detailed data are available from IRS). The slight remaining difference between this measure of the effective tax rate and the 35 percent statutory tax rate is due to business tax credits, such as the research credit, enacted by Congress to promote U.S. innovation, a common incentive provided throughout the world. “There are a number of reasons why other measures of a company’s ‘effective tax rate’ put forth by GAO fall below the 35 percent statutory tax rate. In 2010, Congress enacted special temporary depreciation rules, at President Obama’s urging, to stimulate economic recovery, so that companies could completely deduct the cost of new investments in a single year, rather than deduct these costs slowly over time. Many companies also bolstered their pension plans in 2010, properly taking tax deductions for these contributions, although the book deduction for these items is based on different rules. “The U.S. tax system is complex and in urgent need of reform. Business Roundtable believes comprehensive tax reform for both individuals and businesses is necessary to strengthen the U.S. economy, spur job creation and ensure that American workers and American companies can successfully compete around the globe. We think a simpler tax system with a competitive rate and a broader base, with international rules more similar to those of other advanced economies is the right way to go and can be achieved in a revenue-neutral manner. If even experts at GAO are befuddled by the current tax regime, it is clearly time to simplify the system.”

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Chelsea Piers knocks it out of the park

Chelsea Piers in Stamford.

BY JENNIFER BISSELL jbissell@westfairinc.com

ommunity members agree: Chelsea Piers has been a home run for Connecticut. In its first year — “fantastic” as the company sees it — thousands have used Chelsea Piers and it has become the preferred practice space for hundreds of athletes. The 400,000-square-foot facility

boasts an Olympic-sized pool, two ice rinks, a rock wall, training facilities for gymnastics, baseball and softball, and courts for basketball, squash and tennis. “There’s a strong appetite here for sports and we’ve been fully embraced by the Fairfield County sports community,” said Mollie Marcoux, executive director of Chelsea Piers Connecticut. “We’ve had a fantastic year across the board.”

YOU ONCE DREAMED OF BECOMING A HERO.

YOU STILL CAN.

» » Chelsea Piers, page 8

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Robert Carley, House, La Salle, MI, Photograph ©Robert Carley

Summer Dürer, Rembrandt & Whistler: Prints from the Collection of Dr. Dorrance T. Kelly through August 18, 2013 Revised & Restored: The Art of Kathleen Gilje through September 8, 2013

at the Bruce Museum

Flags Across America: The Photographs of Robert Carley July 14–September 22, 2013 Eggs-hibition: Unscrambling Their History through October 20, 2013 Telling American History: Realism from the Print Collection of Dr. Dorrance T. Kelly August 31–December 1, 2013

BRUCE MUSEUM Greenwich, Connecticut

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of July 15, 2013

Solar — » » From page 1

Clean Energy Finance and Investment Authority (then the Connecticut Clean Energy Fund) and U.S. Bancorp, homeowners could apply to lease solar systems under 15-year contracts from the public-private organization CT Solar Leasing L.L.C. Since its inception, the program has been managed by AFC First Financial Corp., which in turn contracts with local solar firms for the design, installation and maintenance of the solar systems. The Connecticut program was modeled after leasing options offered by the likes of SolarCity and SunRun that allow homeowners to supplement electricity provided by their utility with solargenerated power, without them having to buy or pay to maintain the systems themselves. Instead, homeowners pay a monthly fee, either at a fixed or escalating rate, and in exchange are able to save money on their monthly electric use. For the expanded leasing program, the state is kicking in $9.5 million in taxpayer funds and the remaining $50 million will be provided by U.S. Bancorp

Coal — » » From page 1

But it’s not environmental activism that’s going to shut down the plant — it’s simple economics, said Jonathan Peress, director of the Conservation Law Foundation’s division for clean energy and climate change. “The people in the community have good reason for what they’re advocating for,” said Peress, an environmental attorney. “What’s going to shut down the plant though is going to be the economy.” Both the Conservation Law Foundation and Sierra Club are partner organizations within the Healthy Connecticut Alliance, which is a public advocacy group leading efforts to shut down the Bridgeport Harbor Station. The foundation is also suing the plant owners for more than 800 alleged Clean Air Act violations within the last five years. Now the only coal plant in Connecticut, the station is owned by Public Service Electric & Gas Co. (PSE&G). The company is one of the 10 largest electric companies in the U.S. and is headquartered in New Jersey. “The imminent demise of the plant

and a consortium comprising First Niagara Bank, Liberty Bank, People’s United Bank and Webster Bank. The goal of the program is twofold: first, to give homeowners and businesses that are unable to purchase solar systems outright access to cheap, clean power; and second, to level the playing field between national and local solar installation companies, said Bert Hunter, chief investment officer of CEFIA. “The whole idea here is to open access to capital for independent installers,” Hunter said. “It means that more installers will be able to offer no-moneydown lease financing for solar PV as well as solar thermal, which is solar hot water. It means that more installers will be able to do that, not just a few national firms.” What that translates to, Hunter said, is more choices for homeowners and more competition among installation firms. Hunter said there are 40 solar installers that are active in Connecticut, estimating that most are located in the state with some based in Massachusetts, New York and New Jersey. The entity CT Solar Leasing has also partnered with the solar unit of Assurant Inc., which will provide bundled prop-

erty, casualty and liability insurance for the leased systems. Leases for participants in the second rollout of the program will total 20 years, with participants having the option of buying the system outright from CT Solar Leasing anytime between the five-year mark and the end of the contract. Leases can either be on a fixed or escalating rate, with the latter beginning at a lower level and increasing incrementally each year. Hunter estimated the $60 million fund would last about two years. He said the state would fully recover its investment, with any returns going back to Connecticut ratepayers. “When we give incentives to a SolarCity or a SunRun, that money is gone — it’s gone to their investors,” Hunter said. “But because the citizens of Connecticut are essentially investing in their solar future ... the financial returns come back to the state of Connecticut.” Nationally, reports have suggested that solar leasing is growing at a much faster rate than solar system purchases. Hunter estimated that about onethird of the solar systems installed in Connecticut at present have been leased, with the remainder financed by the

has been predicted by numerous Wall Street analysts and is apparent by the production and financial results of the plant over the last four years,” Peress said. PSE&G did not comment on how much coal is burned at the factory or at what capacity the plant operates in relation to its maximum output. However, data show the plant was likely operating at an average 3 percent capacity level in 2012, according to an analysis of U.S. Department of Energy data by the Business Journal. At that rate, Peress speculated that PSE&G was likely losing millions of dollars by continuing to keep the plant open. In 2008, the Bridgeport Harbor Station was operating at an average of about 88 percent of its peak capacity. However, as cheap natural gas has become more available it has displaced coal power, which has long been regarded as one of the least expensive means of generating electricity. Notably, PSE&G is also a major player in the natural gas industry. In 2002, and again in 2008, PSE&G made large investments in emissions control technology at the station. Since then, the company has reduced emis-

sions from mercury and particulate matter by 95 percent, nitrogen oxides by 67 percent and sulfur dioxide by 76 percent. In 2008 the company spent $150 million on emissions controls. While Peress contends the size of the investment has led PSE&G to keep the plant operational, the company says the plant acts as a backstop for the region’s electric grid. “PSEG Power’s balanced generation portfolio benefits consumers by helping to ensure reliability,” said Lee Gray, a senior communications consultant at PSE&G. “No one can predict the weather and no one can predict what will impact fuel availability.” Gray said Hurricanes Katrina and Rita badly damaged natural gas pipelines and facilities along the Gulf Coast in 2005, which forced Connecticut and other states to switch to other fuels as they faced restrictions on the supply of natural gas. “It’s also important to keep in mind the value of a diverse fuel fleet in Connecticut,” Gray said. “You don’t have to go too far back into history to see how an event or natural phenomena can have an impact on demand or how electricity is generated.” However, the Independent System Operator-New England, which regulates

6 Week of July 15, 2013 • Fairfield County Business Journal

Stamford Twin Rinks is powered in part by a 306-kilowatt solar system, which produces 25 percent of the electricity used by the facility. The project received a $1.5 million grant from the Connecticut Clean Energy Fund. Photo courtesy of Solar Connecticut.

property owners. “Connecticut is just about the inverse of a market like California, which is twothirds or more lease-financed,” Hunter said. “I think that with more of a lease model available in Connecticut, we’ll probably see the numbers shift more toward what you have in California.” Editor’s note: This article is part of a two-part series on the growth of solar adoption in Connecticut. The second part will be published in the July 22 edition of the Business Journal.

the region’s grid and electric generators, has already identified the plant as one of several that are expected to be retired in the coming years without any negative impact, Peress said. Other sources of power along the grid would take over. “Broadly speaking, there is a need to replace some of the power plant capacity as it retires, but as a reliability matter, it wouldn’t cause a problem because it doesn’t need to be replaced,” Peress said. Noting that the power station is right next to Bridgeport’s future Steelpointe Harbor development — where a Bass Pro Shops outlet will be located — Peress said he believed the site would better serve the community as an extension of the new development. Onté Johnson, a community organizer for the Sierra Club’s “Beyond Coal” initiative, agreed. “We have one of the highest asthma rates and worst air quality in the nation,” Johnson said. “We definitely do not want to be operating a plant using dirty fossil fuels that every time it’s burned impacts the air that we breathe.” “Coal is really expensive,” he said. “It’s not the same competitor it was in the past. We have to come out of our old way of thinking.”

Health care spending growth at historic lows BY PATRICK GALLAGHER pgallagher@westfairinc.com

new report suggests the growth of health care costs will slow in 2014, contrary to fears that full implementation of health care reforms will mean higher costs for firms that insure their workers. PricewaterhouseCooper’s Health Research Institute projects the net growth rate in health care spending will be about 4.5 percent in 2014, after accounting for benefit design changes such as higher deductibles. The historically low growth rate comes as consumers, over the past decade, have made fewer visits to doctors’ offices, postponed procedures, cut back on medications and reconsidered imaging and elective surgeries, according to PwC’s 2014 Medical Cost Trend study, which was published in June. “The people who are saying ‘our health care costs are going up’ — that is correct. They are increasing, at a faster rate than GDP, and that’s a cause for concern,” said Ceci Connolly, managing director of the PwC Health Research Institute. “But what we are seeing is that it’s not nearly as fast or as dramatic as it had been a decade or so ago.” Connolly said the slowdown is the result of changing behaviors by employers and their employees and a greater emphasis on healthy living and wellness; penalties imposed against hospitals by the federal government for readmissions under the Patient Protection and

Insurance — » From page 3

that business will have to comply with. “The business community needed a fighting chance and today the White House gave it to them,” she said. The Westchester County Association said it will continue to offer in-depth seminars on the Affordable Care Act for the entire business community. Its Healthcare Consortium — about 50 members total — includes hospitals, large physician groups, home care agencies, nursing homes, assisted living facilities, insurers, trade associations, academic institutions and business. In addition to holding bi-monthly workshops at the Business Council’s headquarters on Corporate Park Drive

Affordable Care Act (ACA); and the lingering effects of the recession, which have led people to make more cost-conscious health care decisions. “Consumers and businesses deserve a lot of the credit for pushing down on health care inflation,” Connolly said. “Over the last several years, we have witnessed a significant shift in attitudes and behaviors when it comes to employers and employees about how they’re going to make their health care shopping choices.” Retail and mobile clinics — which can deliver care at lower costs than hospitals — have seen a sharp increase in foot traffic, Connolly said. Additionally, she said, a provision of the ACA that allows employers to adjust their workers’ premiums based on participation in wellness or smoking cessation programs has had an impact on health care spending. What the slowdown in cost increases means for employers is likely to vary based on their size and on what sort of benefit packages they offer their employees, Connolly said. For example, in a firm with just a few dozen employees, if just one or two covered employees require a major procedure that would cause the employer’s costs to rise dramatically, regardless of the overall slowdown in cost growth. “Keep in mind that many of the large employers that we talk to, we’re talking about 5,000 or 10,000 employees,” Connolly said. “Their ability to spread risk is very different than that of even a 300 or 500-person business, let alone a 10 to 20-person business.”

in White Plains, the Business Council is also offering the presentations through a partnership with the Westchester Library System. The Business Council will travel to local businesses upon request. Obama administration adviser Valerie Jarrett wrote in a blog quoted on the Connecticut Business and Industry Association website: “As we make these changes, we believe we need to give employers more time to comply with the new rules. Since employer responsibility payments can only be assessed based on this new reporting, payments won’t be collected for 2014. This allows employers the time to test the new reporting systems and make any necessary adaptations to their health benefits while staying the course toward making health coverage more affordable and accessible for their workers.”

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of July 15, 2013

asK anDi

BY ANDI GRAY

Time for a midyear checkup on ﬁnances want to be sure that we show a profit this year. Know we can’t have both high profit and low taxes. where is the balance? need to be sure to show the bank improvement over 2012. what stats should we be watching? thoughts oF the daY: Building a successful company means that it is growing both revenue and profitability. Focus on building reserves and getting ratio improvements when comparing assets, liabilities and equity. As long as your company needs to borrow money, think of the bank as a partner that needs to be kept informed. When managing in a downturn, it’s essential to have an accurate picture of where the company is headed — immediately and midterm. Define any shortfall, rather than ignoring the problem, by comparing revenue forecast to expense budget. Do everything possible to reduce the shortfall to zero by cutting

Chelsea Piers — » From page 5

This month the facility celebrates its one-year anniversary of opening at the former Clairol campus in Stamford. But beyond its offerings for families and professional athletes alike, officials at the Connecticut Convention and Sports Bureau (CTCSB) say the facility is also a knockout punch in terms bringing outside conventions and events into the state. “It puts the state on the map,” said Susan Henrique, CTCSB director of business development. “It’s a pretty impressive facility. Having them in the state allows us to set ourselves apart from the competition.” CTCSB, also one year old as of late June, aims to increase the number of conferences and sporting events held in the state, with the concrete goal of generating at 200,000 hotel room rentals a year. Henrique said it’s rare to find the volume of continuous space Chelsea Piers

expenses and focusing on profitable revenue. Identify use of lines of credit and other debt instruments to close any gaps. Figure out ahead of time if the company risks running out of cash. Be realistic. While the finance department is usually focused on reporting on historical performance and keeping controls in place, its greatest value comes from creating a go-forward picture. Planning out the forecast of revenue and building an accurate expense budget is a way of showing everyone where the company is going in financial terms. Set revenue targets that everyone can agree on. Don’t over- or under-forecast. Use the budget to plan out critical expenditures needed to boost sales and marketing in order to get the company back on track for profitable growth. Look at crucial ratios that will determine whether or not the company can obtain additional financing. Compare current assets (cash, accounts receivable, inventory) to current liabilities (accounts payable, lines of credit, current year’s portion of long-term debt). The ratio needs to be 2-to-1 or higher. Next, take a look at debt-equity ratio. That needs to be under 2.5-to-1.

offers outside of a convention center. Aside from the complex’s predecessor in New York City, no other competitor can claim to have the same combination of meeting space and facilities available for team building, Henrique said. “The more people are familiar with Chelsea Piers, and exactly what the facility is and how it can be used, the more beneficial it will be,” Henrique said. “If our hotels are aware of the facilities, they have the ability to sell it as an extension of their property and services, too. Long term, it’s a win-win for everyone.” So far Chelsea Piers has hired 300 employees in Stamford and plans to fill an additional 50 to 100 positions in the next 18 months, as programs grow and the child care facility ramps up, Marcoux said. The group focuses on hiring locally, but it’s also a magnet employer for professional athletes. Since its opening, employees at the facility have won a number of accolades. Squash director Natalie Grainger was ranked No. 1 female

8 Week of July 15, 2013 • FairField County Business Journal

Companies with the greatest difficulty meeting that ratio tend to be young, undercapitalized firms, and companies that have been taking losses for a long time. If the company is at or above 2.5, and there are no funds available from the owners, the company is going to have to make do with what it has available. It may also be at risk of having its lines called by the bank. Treat this situation very seriously by building a plan to boost profits and sales immediately, without taking on additional debt. Many times the debt-equity ratio is okay, but the current assets-current liabilities ratio is too low. If that is the case, consider terming out some of the credit line, thereby moving debt out of current liabilities, into long term. This move won’t affect the debt-equity ratio, but it will improve the ca-cl ratio. Once the company starts to produce profits, use the money to pay down debt and build reserves at the same time. One dollar goes to debt service, $1 into cash reserves. Building up cash reserves will give the company more room to maneuver than paying down debt alone. If the company is struggling, keep

the bank informed. Banks don’t like surprises. They want to see an owner who is knowledgeable, forthright and working to solve problems with the resources available. Demonstrate that by sharing plans and reporting with timely data. Ask the bank to meet with you, to review existing reports. Ask for their suggestions. What additional reports do they think you should be looking at? What ratios would they like to see? How often? They can be helpful if you open the door to a cooperative relationship and they may see things that you don’t. The best part: their advice is usually part of the package of services they offer, you might as well make use of it. Looking for a good book? “Never Run Out of Cash: The 10 Cash Flow Rules You Can’t Afford to Ignore,” by Philip Campbell. Andi Gray is president of Strate�y Leaders Inc., strate�yleaders.com, a business consulting �irm that specializes in helping entrepreneurial �irms grow. She can be reached by phone at (877) 2383535. Do you have a question for Andi? Please send it via email to AskAndi@ strate�yleaders. Visit AskAndi.com for an entire library of Ask Andi articles.

Chelsea Piers in Stamford.

player in the U.S. and No. 1 doubles team player in the world. Gymnastics coach Byron Knox was named coach of the year in 2012 and 2013 for USA Gymnastics and the National Collegiate Athletic Association. Triathlon coach Caitlin Drap has either won or placed second in several ride-run-swim events.

“There’s a lot of talent in Fairfield County and a strong interest in sports from kids of all ages,” Marcoux said. “We’ve learned a ton and will continue to improve on what we know. We’re committed to make this as good of an athletic outlet as it can be for the community, no matter the skill level.”

Dodd-Frank: Too big to fail Delays plague rule-writing process

BY PATRICK GALLAGHER pgallagher@westfairinc.com

early three years after the DoddFrank Wall Street Reform and Consumer Protection Act was enacted, there are still vast portions of the law that have yet to be finalized in the form of regulations and implemented. The fate of some of its most prominent features — including a ban on proprietary trading by depository banks and its call to end the notion of “too big to fail” — still hang in the balance as regulators, lawmakers and the banks themselves have sought to influence the rule-writing process. As the July 21 anniversary of the bill’s signing approaches, we asked John Alan James, an authority in the field of regulatory affairs and compliance, to discuss what’s next for Dodd-Frank. James is executive director of Pace University’s Center for Global Governance, Reporting and Regulation, and designed the school’s Certified Compliance and Regulatory Professional certificate program. The following are excerpts from the conversation.

and CFTC (U.S. Commodities Future Trading Commission) have received criticism for the Financial Stability Oversight Board. The goal of the chairman of the CFTC to expand U.S. trading rules to foreign branches of U.S. banks and foreign banks licensed to do business in the U.S. has angered both foreign governments and U.S. banks. Even some of the CFTC commissioners question both the chairman’s goals and

particularly his tactics. None of this squabbling leads to greater confidence in the financial system or its future. “In summary, passage of the DoddFrank legislation created a complex and confused situation for financial institutions (especially for small and mediumsize banks), regulators and the general public. Three years in, the situation has actually gotten worse and there are no bright clouds on the horizon.”

Where does the rule-writing process stand?

“The original Dodd-Frank bill, some 2,500 pages long, left the regulatory agencies to write the regulations. It is obvious that this has turned out to be a most difficult task. Since July 2010, regulatory agencies have put forth 279 suggested new regulations. Only 175 have passed and only 104 (37 percent) have become » » Dodd-Frank, page 10

Business Journal: What’s holding up Dodd-Frank?

John Alan James: “Financial institutions have observed the third anniversary of the passage of Dodd-Frank with what can be described as an even greater degree of confusion than in the previous two years... “At the political level, in the U.S., U.K. and E.U., the inability of legislatures — split by party disagreements and under heavy pressure from banking lobbyists — to finalize the pending legislation that would define the role of trading and its relationship to basic banking functions is creating greater doubt and confusion. “For example, the so-called Volcker Rule (to re-establish Glass-Steagall Act) has made little if any progress. There appears to be little consensus within either party to move it forward. In addition, the federal courts have taken strong positions against regulatory agency rulings by demanding greater analyses of the ‘cost-benefit’ impact of their rulings. “Differences in approaches between major regulatory agencies also create confusion as to what the future may be. The arguments between the SEC (Securities and Exchange Commission)

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of July 15, 2013

Dodd-Frank — » From page 9

actively enforced. To add to the confusion, the agencies are less than halfway through the list of issues spelled out in the basic legislation. “Additionally, the regulators themselves often face serious problems in finding time for training examining and enforcement staffs on the new regulations while at the same time spending most of their time with the banks in oversight activities. Relationships between examiners and compliance personnel in the banks have also become more strained because of the complexities facing both in interpreting the new regulations.”

soMe MeMBers oF Congress, inCluding reP. JiM hiMes, haVe sought to ModiFY Portions oF dodd-Frank. What is the likelY outCoMe oF these eFForts?

“Congressman Jim Himes, a Wall Street veteran, has attempted to clarify some of the issues by introducing new legislation. His major goal has been to enable institutions dealing in ‘swaps’ to have a clearer definition as to who is and who is not covered by the regulation of use of Federal Reserve funds.

“The daily trading market in socalled derivatives can reach the trilliondollar mark. Oversight at best is difficult. Himes is also trying to clarify the role of the new legislation permitting smaller firms to offer shares via the Internet. “There is little agreement between Republicans and Democrats in Congress on how to view the Dodd-Frank legislation to date, and, even greater disparity as to how to move forward. Republican calls for the ‘repeal’ of the entire bill are unrealistic (it includes 175 separate mandates). However, the ability to ‘starve’ the progress of regulators through congressional control of their budgets is slowing the progress of turning mandates into regulations. As indicated earlier, the courts have also established road blocks to stronger enforcement of the regulations.”

What’s the likelihood oF anY MaJor oVerhauls oF dodd-Frank BY Congress?

“Both political parties are now counting on having or taking over control of Congress in the 2014 elections. Republicans dream of maintaining control of the House and even the Senate. Little or nothing of substance appears to have much chance, repeal or the implementation of new regulations, during the present congressional setup.”

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Through its Certified Compliance and Regulatory Professional certificate program, Pace University, in partnership with the Association of International Bank Auditors, offers a 26-week course for compliance, audit and other oversight personnel in financial instutions on both existing and developing regulations. The next session begins Sept. 5. John Alan James Pace and the AIBA also plan to offer one- to two-day sessions on specific items pertaining to Dodd-Frank and the regulatory apparatus. For more information, contact John Alan James at jjames@pace.edu or (203) 536-9955.

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THE LIST

Listed alphabetically

FAIRFIELD COUNTY AND REGION Next list: JULY 22 VETERAN-OWNED BUSINESSES

ENERGY COMPANIES

Energy Services Listed alphabetically. Name Address Telephone (203) unless otherwise noted Website

Chickos Energy Services 69 Dart Hill Road, Milford 06461 882-0177 •‎chickosenergy.com

Comfort King Energy

199 Ethan Allen Highway, Ridgefield ‎06877 515-8088 •‎comfortkingenergy.com

Listed alphabetically. President/top local executive Year founded

Description/services

Mark Chickos Owner 1956

Installation of oil tanks, boilers, warm-air furnances and central air systems, complete sheet metal fabrication shop

Michael Kerslake Owner 2005

Heating, cooling, propane and fuel oil delivery

Name Address Telephone (203) unless otherwise noted Website

CT Electrical Services

16 Pamanata Meadows, Beacon Falls ‎06404 723-9052 •‎ctelectrical.com

Elektron Solar 49 Richmondville Ave., Suite 107, Westport 06880 557-3127 • elektronsolar.com

President/top local executive Year founded

Bruce Angeloszek Owner 1994

Tony Eason NA

Description/services

Solar energy systems and electrical services

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Call Gault Energy today at 203.227.5181 or visit us online at gaultenergy.com

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THE LIST

Listed alphabetically

FAIRFIELD COUNTY AND REGION Next list: JULY 22 VETERAN-OWNED BUSINESSES

ENERGY COMPANIES

Energy Services Listed alphabetically. Name Address Telephone (203) unless otherwise noted Website

EMCOR Energy Services 301 Merritt Seven, Fifth floor, Norwalk 06851 849-7800 •‎emcorgroup.com

Environmental Energy Services

5 Turnberry Lane, Sandy Hook ‎06482 270-0337‎•‎eescorp.com

Gault Energy 11 Ferry Lane West, Westport 06880 227-5181 • gaultwenergy.com

GE Energy Financial Services Inc.

800 Long Ridge Road, Stamford ‎06902 357-6400 •‎geenergyfinancialservices.com

Northfield Fuel 21 Northfield St., Greenwich 06830 629-3835 • northfieldfuel.com

Listed alphabetically. President/top local executive Year founded

Description/services

Anthony J. Guzzo President and CEO 1994

Mechanical and electrical construction, energy infrastructure, LEED certificationm design/build, life safety, facilities services

Richard A. Nowak President 1992

Innovative chemistry for energy efficiency

Samuel Gault President 1863

Heating oil, propane, electricity, HVAC, service plans, indoor air quality, conservation

Alex Urquhart President and CEO 1980

Conventional power, renewable energy, oil and gas reserves, oil and gas infrastructure

John O'Leary President 1985

Full-service propane, healting oil and air conditioning provider

Name Address Telephone (203) unless otherwise noted Website

President/top local executive Year founded

Description/services

NRG Energy

David Crane President and CEO 1989

Energy services, including solar and thermal solutions

Prime Energy Corp.

Charles E. Drimal Jr. CEO NA

Independent oil and gas company engaged in acquiring, developing and producing oil and natural gas

700 Naugatuck Ave., Milford ‎06461 874-2512 • nrgenergy.com

1 Landmark Square, Suite 1100, Stamford ‎06901 358-5700 • primeenergy.com

PurePoint Energy L.L.C .

28 Knight St., Norwalk ‎06851 642-4105 • ‎purepointenergy.com

Sunshine Environmental Services Inc. 130 Railroad Hill St., Waterbury 06708 753-5353

Superior Plus Energy Services

150 Day St., Seymour ‎06483 888-2535‎• superiorplusenergy.com

David Neaderland President 2007

Thomas Tatoian President 1988

Keith Wrisley President NA

Solar energy provider

Fuel provider

Full-service delivery of heaiting, oil, propane and kerosene

Our NEWS @ NOON is free, Sign up now at westfaironline.com FAIRFIELD COUNTY BUSINESS JOURNAL • Week of July 15, 2013 13

Listed alphabetically

FAIRFIELD COUNTY AND REGION Next list: JULY 22 VETERAN-OWNED BUSINESSES

ENERGY COMPANIES

THE LIST

Energy Services Listed alphabetically. Name Address Telephone (203) unless otherwise noted Website

Viridian Energy 1055 Washington Blvd., Stamford 06901 (866) 663-2508 • viridian.com

Listed alphabetically. President/top local executive Year founded

Michael J. Fallquist Founder and CEO 2009

Description/services

Green energy provider

Name Address Telephone (203) unless otherwise noted Website

Wesson Energy Inc.

165 Railroad Hill St., Waterbury ‎06708 756-7041 •‎wessonenergy.com

President/top local executive Year founded

Robert W. Wesson Owner 1996

Description/services

Home energy audits, heating and cooling products, equipment installation and repair

Questions or comments call (914) 694-3600, ext. 3005. NA Not available. Note: This list is a sampling of energy companies. To be included on future lists email afrey@westfairinc.com.

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SPECIAL REPORT

REPURPOSING BUSINESS

International ﬂair

gloBal aFFairs prograM at u. oF BriDgeport Has QuaDrupleD enrollMent BY PATRICK GALLAGHER pgallagher@westfairinc.com

s businesses frustrated with the lack of organic economic growth in Connecticut look to reinvent themselves and broaden revenues, economists have increasingly pointed to overseas markets. With the Euro beginning to stabilize and Japan, whose economy has been stagnant for years and now exhibiting positive signs of growth, goods and services exported by Connecticut firms have jumped, rising 14 percent from $13.9 billion in 2009 to $15.9 billion last year. The European Union continues to be the principal destination for Connecticut exports, but last year Canada was the state’s largest trading partner, with exports to the likes of Singapore, South Korea, the United Arab Emirates, Saudi Arabia and Algeria all growing by double-digit percentiles from 2011 to 2012, according to U.S. Census Bureau data. That’s where people like Thomas Ward and institutions like the University of Bridgeport’s College of Public and International Affairs come into play. With offerings that include some of the business world’s most coveted languages and internship opportunities from China to Cameroon, India, Jordan

and Paraguay, the college — which until last year was called the International College — has grown exponentially since its founding in 2000. As businesses expand their global reach, they are looking more and more to candidates with culturally and linguistically diverse backgrounds and experiences, making graduates of schools like the College of Public and International Affairs all the more attractive. The Business Journal caught up with Ward, dean of the college, to hear about its evolution.

What does the sChool oFFer For students Who aren’t neCessarilY interested in BeCoMing diPloMats?

“We have graduates of our program who have been employed by Bank of America, by Swiss banks, by PricewaterhouseCoopers, by Sony, AOL, Google. There are a lot of people that do choose a corporate path and I think one of the important dimensions of this type of an option is that it does allow students, particularly as they begin their undergraduate studies, to begin to see the bigger picture. “I worked as a risk analyst for two banks and did a lot of work in the area of international loans. ...Every single time

back when I was involved with this, we always looked at it three different ways: what is the political risk, what is the economic risk, and only then did we look at the credit risk. It’s important to be able to see the whole picture.”

What Makes the sChool and its oFFerings uniQue?

“All of our majors require language training and we have a special emphasis on the less commonly taught languages. We do offer French and Spanish here, but in addition to that we also teach Japanese, Chinese, Arabic, Korean and also Russian. ... “(Master’s) students are all expected to have an internship, and particularly our American students — they are expected to go and spend some time overseas and really have an immersion experience in a culture other than their own. And they need to be in a setting where the language that they’ve studied is spoken on a day-to-day basis.”

has there Been an inCrease in interest aMong students?

“When we started back in 2000, I think more than half of our students were international students. That has changed pretty dramatically — now I would say about 50 percent of our stu-

dents are from Connecticut and probably 80 percent are Americans. ...At the beginning we had less than 100 students, so that’s quadrupled.”

FroM a Business PersPeCtiVe, What’s the Value oF haVing an international BaCkground?

“In 1960, the United States did twice as much trade with Western Europe as we did with East Asia. The opposite was true by 1980, and by the 1990s, trade within the East Asian countries themselves had become the major trade center of the world. That has huge implications. “I often give the example that if you look after World War II, Japan was in shambles, Germany was in shambles, but what both of these countries understood was the key to getting back into the game was they had to be successful in understanding the American market. ... “In the past 10 years or so, Connecticut’s trade with China has increased over 1,000 percent. ...There’s a need for a new kind of professional, someone who can facilitate trade with those regions. And of course you still have Europe, you still have Latin America. If you have Americans who have those capacities, it just facilitates things tremendously.”

Paradigm shift BY JENNIFER BISSELL jbissell@westfairinc.com

everal months ago, Xerox Corp. launched a campaign that aims to dispel its reputation as just a brand of copy machines. While most people still imagine printers and paper products when they hear the name Xerox, the Norwalkbased company has for years been shifting its emphasis toward business services. For example, every year Xerox processes 1.4 billion EZPass toll transactions and 563 million government

health program claims. “Companies depend on today’s Xerox for services that simplify how work gets done,” one advertisement states. “Which is pretty much everything we’ve always stood for.” While Xerox contends its mission hasn’t changed, its principle source of revenue has. Today 55 percent of Xerox’s revenues come from the company’s services units, as opposed to its document technologies, which are slowly being phased out. For 2012, the company reported an » Paradigm, page 16

Xerox has made a concerted push toward services as it phases out its traditional document management units, highlighted by the company’s $6.4 billion acquisition of ACS Inc. Xerox CEO Ursula Burns, left, with former ACS CEO Lynn Blodgett.

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of July 15, 2013 15

Paradigm — » From page 15

11 percent decrease in net income and a 1 percent decrease in total revenue, year over year. During the first quarter of 2013 — after the company revealed plans to lay off about 2 percent of its workforce — it reported a 10 percent increase in net income and a 3 percent decrease in total revenue. The bulk of the decline in revenue during the first quarter came from a 9 percent decrease within the document technology segment, which was more than was expected, said Karen Arena, Xerox vice president of communications. After the company refreshed its midrange document technology segment, there was less of a financial benefit, Arena said. But it’s also a signal of the company’s evolving structure. In the early 2000s Xerox began creating digital document management systems and in fall 2009 it agreed to acquire Affiliated Computer Services (ACS) Inc., a “giant” in business processes and IT outsourcing services,

for $6.4 billion, Arena said. “Our eyes were wide open to the upcoming trends — seeing that technology was enabling people to work differently, to be more mobile and need physical paper less,” Arena said. By 2017, Xerox expects the services sector to make up two-thirds of its revenues, allowing for more profitable margins. However analysts have said Xerox faces stiff competition from other companies in the industry, such as NCR Corp. and Concurrent Computer Corp. The company’s second quarter earnings report is due out July 25. “Since the acquisition of ACS, we have a laser focus on managing our clients’ work processes that are not core, yet important to their business, like claims processing, finance and accounting and HR functions to name a few,” Arena said. “From our earliest days, our purpose was never about making copying and printing equipment, but rather to make it easier to share information. Making things simpler has always been and is still in our DNA.” Every day Xerox handles more than 1.6 million customer service calls in

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Email Hdebartolo@westfairinc.com or go to westfaironline.com 16 Week of July 15, 2013 • FairField County Business Journal

Chester Carlson, center, demonstrates early xerographic printing technology, which he invented in 1938.

more than 30 languages in 175 global call centers. The company also provides services to more than 1,700 federal and municipal government entities. “We’re using data analytics and innovation to help people be more produc-

tive,” Arena said. “Whether that’s a nurse doing her job in a hospital, a teacher evaluating student work or someone looking for the best parking spot in New York or L.A. We’re enabling advances in these fields.”

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Audience Development Department | (914) 694-3600 FAIRFIELD COUNTY BUSINESS JOURNAL • Week of July 15, 2013 17

Levitt Pavilion – a home run for the arts

as the 40th grand-slam season produced by the levitt pavilion for the performing arts continues, let’s take a moment and answer some FaQs: who gives away free concerts by grammy award winners like Vince giordano & the nighthawks and steve riley & the Mamou playboys and festival faves like caravan of thieves and DJ rekha? we do. the next question inevitably is, why? we do it so people of all ages and from all socioeconomic backgrounds can freely experience incredible artists, discover “new” sounds, move and be moved, meet neighbors and make new friends and lasting memories. Free access to the performing arts — simply put — makes the world a better place. as we like to say: summer lives here — and so does joy. the levitt pavilion is one of connecticut’s most vibrant cultural treasures. each summer, we present 50 evenings of world-class performing arts free of charge, attracting and serving 50,000 people from Fairfield county and beyond. all of our artists are compensated and we are an anchor organization for downtown westport. established by the town in 1973, the levitt pavilion remains an independent 501(c)(3) nonprofit organization producing what is now one of the longest-running and largest free outdoor festivals in the nation (and we’ve also provided the trailblazing model for other levitt pavilions that have opened more recently across the country). we raise funds throughout the year — grants, foundations, sponsorships, individual donations — and we receive support and services from the town, parks & recreation and the state of connecticut. we also generate revenue for our free season with special ticketed events like the Bindlestiff Family cirkus (July 31) and our Honda of westport raffle. as we build our new home, our 2013 season is on Jesup green — and the tree-laden site is proving to be an ideal home-away-from home as our capital campaign continues. please be sure to stop by this summer so we can roll out the grass carpet for you.

Carleigh Welsh, Marketing & development director levitt pavilion cultural alliance member

The mission of the Cultural Alliance of Fairfield County is to support cultural organizations, artists and creative businesses by providing promotion, services and advocacy. For more information, visit CulturalAllianceFC.org or email infoCulturalAllianceFC.org or call 256-2329. For events lists, visit FCBuzz.org.

FCBUZZ

Arts & Culture of Fairfield County

THE THREE RS: RUSSELL RETURNS TO RIDGEFIELD with hits of his own from “tight rope” to “a song for you” and more, leon russell returns to the ridgeﬁeld playhouse July 21, seven years after his dynamic sold-out performance. a multi-instrumentalist and renowned session musician, russell has released 30 albums and has collaborated with legends such as the rolling stones, B.B. King, eric clapton and Bob Dylan. as a songwriter, russell’s songs have hit the charts across all genres and have been covered by a diverse range of artists. ray charles recorded “a song for you,” B.B. King had a hit with “Hummingbird,” the carpenters with “superstar” and Joe cocker with “Delta lady.” russell and elton John released “the union,” a duet album, and toured together in the fall of 2010. the single “if it wasn’t for Bad” was nominated for a grammy award for Best pop collaboration with Vocals. leon was inducted into the rock and roll Hall of Fame in March 2011 and inducted into the songwriter’s Hall of Fame in June that same year. Born in southwest oklahoma in 1942, russell began piano lessons at age 4. He was playing in tulsa nightclubs at the age of 14. after graduating from high school, his band, the starlighters, went on the road with Jerry lee lewis for almost two months. He left tulsa at the age of 17 for los angeles where he began playing in clubs and eventually became one of the best session musicians in Hollywood. He has worked with the best Hollywood producers and top

musicians in the business. russell’s latest records include “signature songs,” a collection of acoustic piano/vocal recordings of his classics; “guitar Blues”; “Moonlight & love songs”, a collection of standards; and “rhythm & Bluegrass: Hank wilson vol. 4”, a collection of songs recorded in the 1980s with the new grass revival. leon’s musical style is still resonating with his lifelong fans and is inspiring younger listeners who are discovering his music from either the “Mad Dogs & englishmen” or “concert For Bangladesh” DVDs. For tickets and more, visit ridgeﬁeldplayhouse.org.

YOU GOTTA HAVE ART For 40 years, the westport Downtown Merchant association’s westport Fine arts Festival has remained a highlight for art lovers, families and anyone looking for a great summertime experience in one of the prettiest downtown locations in the country. people come from throughout new england and the tristate area to enjoy live music, unique street performances, children’s activities and the opportunity to purchase quality, original works of art. this year’s Fine arts Festival takes place July 20 and 21 at parker Harding plaza & gorham island. each year the wDMa works hard to bring together talented artists from across the country exhibiting works in a variety of media – painting, watercolor, printmaking, sculpture, mixed media and photography, along with the recently added categories of glass, ceramics, ﬁber, jewelry, wood and digital art. the jury is careful to balance the old and the new. william Mccarthy has admirers who head to his booth each year on saturday morning for the best selection. westport resident nancy De Kraker is a longtime Mccarthy fan: “i look forward to the festival every year and treating myself to a Mccarthy piece.”

Keeping the event fresh is equally important as evidenced by the addition of six new categories last year. applications in glass, ceramics, ﬁber, jewelry, wood and digital art increased substantially and the festival will feature exceptional pieces in all of these areas, including exquisite blown glass from randi solin. solin says she approaches her work “like an abstract expressionist painter (does) a canvas.” she utilizes Venetian and american arts glass techniques and a complex multilayering process, using glass in all particle sizes and incorporating silver foil, resulting in asia-inspired simplicity. the addition of jewelry has attracted artisans using topquality materials such as platinum, 14k gold, diamonds and other precious and semi-precious stones. the westport Fine arts Festival is more than the classic summer art show; the wonderful downtown riverside setting, exceptional juried artists, delicious refreshments, unique entertainment and activities for children presented by the westport arts center make this an event for everyone. Hours are 10 a.m.-7 p.m. July 20 and 10 a.m.-5 p.m. July 21. For more, visit westportdma.com.

Visit FCBuzz.org for more information on events and how to get listed. 18 Week of July 15, 2013 • FairField County Business Journal

Presented by: Cultural Alliance of Fairfield County

FAIRFIELD COUNTY

BUSINESS JOURNAL ATTACHMENTSRELEASED Bennett, Edward, Stamford. $40,000, in favor of Q Sono IV L.L.C., Stamford, by Robert W. Finke. Property: 19 Westgate Drive, Stamford. Filed June 26. Miller, Michael, Stamford. $1.6 million, in favor of The Bank of New Canan, by Richard Castiglioni, Stamford. Property: 43 Harbor Drive, Unit 504, Stamford. Filed June 25.

BUILDING PERMITS

COMMERCIAL 1460 Post Road L.L.C., Fairfield. Fitout an existing commercial building for Blacksmiths, 1460 Post Road, Fairfield. Estimated cost: $10,000. Filed June 26. A Pappajohn Co., contractor for Capfor Westport L.L.C. Perform interior renovations at an existing commercial building, 1365 Post Road East, Westport. Estimated cost: $45,000. Filed June 20. A-Secondino and Son Inc., Branford, contractor for Samuel Lotstein Realty Co. L.L.C. Fit-out an existing commercial building for Pet Valu, 1131 and 1135 High Ridge Road, Stamford. Estimated cost: $157,000. Filed June 27.

Items appearing in the Fairfield 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 Gannett Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: (914)694-3600 Fax: (914)694-3680

A&S Properties Inc., Danbury. Perform interior renovations at an existing commercial building, 4 Division St., Danbury. Estimated cost: $350. Filed June 26.

JFE Inc., contractor for Division Riverside Loan L.L.C. Perform interior renovations at an existing commercial building, 325 Riverside Ave., Building E, Westport. Estimated cost: $15,000. Filed June 18.

Aiello, Kenneth (HIC), contractor for The Immaculate Heart of Mary. Reroof an existing commercial building, 149 Deer Hill Ave., Danbury. Estimated cost: $21,600. Filed 3 Valley Heights L.L.C., contracJune 24. tor for 14 Charcoal Hill L.L.C. Construct a new single-family residence, 14 Charcoal Hill Road, Carver Foundation, Norwalk. Westport. Estimated cost: $850,000. Perform interior alterations at an Filed June 21. existing commercial building, Technology Center, 7 Academy St., Second ﬂoor, Norwalk. Estimated cost: Aiello Residence, Brookfield. $126,000. Filed June 26. Construct a new single-family residence, 54 S. Lake Shore Drive, Brookfield. Estimated cost: Coastal Link Properties, contrac- $200,000. Filed June 4. tor for Colonial Green L.L.C. Perform interior alterations at an existing commercial building, 240 Post Aiello, Kenneth (HIC), contractor Road East, Westport. Estimated cost: for Martino Brothers L.L.C. Reroof $13,000. Filed June 18. an existing single-family residence, 28 North St., Danbury. Estimated cost: $25,500. Filed June 24. Daignault, Neal (HIC), Norwalk, contractor for MCL Piersall L.L.C. Perform additions and alterations Allen, Adrienne and Michael Allen, at an existing commercial building, Ridgefield. Perform interior altera44 Old Ridgefield Road, Wilton. Es- tions at a single-family residence, 43 timated cost: $75,000. Filed June 27. Highview Drive, Ridgefield. Estimated cost: $7,000. Filed June 28.

RESIDENTIAL

Barrington Homes 14 L.L.C., contractor for Denielle Dewy and Dean Graves. Construct a new single-family residence, 14 Greenwood Lane, Westport. Estimated cost: $800,000. Filed June 20. Baxton Services, contractor for Ann Lunn. Reroof an existing singlefamily residence, 9 Continent Road, Darien. Estimated cost: $15,000. Filed June 26.

The Bridgeport & Port Jefferson Steamboat Co., et al., Bridgeport. Filed by Allstar Sanitation Inc., Stratford. Plaintiff’s attorney: Jonathan J. Klein, Bridgeport. Action: The Bedini Residence, Brookfield. Con- plaintiff has brought this breach-ofstruct an accessory building at a sin- contract suit against the defendant as gle-family residence, 20 Hickory Hill both parties entered into a contract Road, Brookfield. Estimated cost: by which the defendant would pro$162,000. Filed June 27. vide waste collection and disposal services for the plaintiff. The defenBenson, Kath and Geoff Benson, dant hired a subcontractor to proDarien. Raise a single-family resi- vide the services. The defendant has dence above the base ﬂood elevation failed to pay either party for services. and perform additions and altera- Filed June 24. Case no. 6036184 tions at a single-family residence, 17 Waverly Road, Darien. Estimated cost: $375,000. Filed June 25.

COURT CASES

BRIDGEPORT DISTRICT COURT

333 State Street Development Amity Construction, Old Lyme, L.L.C., Filed by The Hatch and Baicontractor for Maribel and Wayne ley Co. Plaintiff’s attorney: Bruce Liao. Perform interior alterations at L. Elstein, Bridgeport. Action: The a single-family residence, 15 Glen plaintiff has brought this breach-ofHill Road, Redding. Estimated cost: contract suit against the defendant for failing to pay for materials and $36,000. Filed June 20. services provided. Filed June 25. HS Cosntruction, contractor for Case no. 6036223. Calvery Baptist Church. Perform Anthony M. Baldoni Custom external renovations at an existing Homes, contractor for Spa Inc. Lay commercial building, 988 Boston a foundation for a new single-family Affordable Motors Inc., Milford, Post Road, Darien. Estimated cost: residence, 9 Broad River Lane, Fair- Affordable Motors of Bridgeport $25,000. Filed June 26. field. Estimated cost: $220,000. Filed L.L.C., Trumbull. The plaintiff has brought this breach-of-contract suit June 20. against the defendant for reneging J.M. Church Properties, Norwalk. on a sale agreement. Filed June 25. Perform interior alterations at an Archer Renovation and Construc- Case no. 6036210. existing commercial building for tion, contractor for Greta and SimAnytime Fitness, 295 Westport Ave., one Alain Trust. Perform external Norwalk. Estimated cost: $160,000. additions at an existing single-family Anderson & Vreeland inc., et Filed June 27. residence, 13 Fairmount Drive, Dan- al., Filed by Kenneth Meyer, et al., bury. Estimated cost: $140,829. Filed Woodbridge. Plaintiff’s attorney: Brian P. Kenney, New Haven. AcJune 26. Jefferson at Maritime L.P., Nortion: The plaintiff has brought this walk. Perform external renovations products-liability suit against the deand alterations at a commercial Augustyniak, Grzegorz, Norwalk. fendant for asbestos exposure while building, 47/89 N. Water St., Nor- Construct a new deck at an existing working for the defendant. Filed walk. Estimated cost: $2.5 million. single-family residence, 201 Scrib- June 26. Case no. 6036279. Filed June 25. ner Ave., Norwalk. Estimated cost: $4,446. Filed June 21. Hawley Construction Corp., contractor for Stetson Development. Fit-out an existing commercial building, 13 to 15 Old Sherman Turnpike, Danbury. Estimated cost: $40,000. Filed June 20.

CBS Corp., et al., Filed by Kenneth Meyer, et al., Woodbridge. Plaintiff’s attorney: Brian P. Kenney, New Haven. Action: The plaintiff has brought this products-liability suit against the defendant for asbestos exposure while working for the defendant. Filed June 26. Case no. 6036280.

STAMFORD DISTRICT COURT

Greenwich Home and Garden L.L.C., Norwalk. Filed by Peat & Son Corp., Westhampton, N.Y. Plaintiff’s attorney: Gerald S. Knopf, Stamford. Action: The plaintiff has brought this breach-of-contract suit against the defendant for failing to pay for goods valued at $26,108.75. Filed June 28. Case no. 6018948.

DEEDS

COMMERCIAL 06830 Capital L.L.C., Greenwich. Seller: Barbara J. Benson, Wadsworth, Ohio. Property: 21 Stanton Drive, Stamford. Amount: $439,000. Filed June 28. 29 Salem L.L.C., Westport. Seller: Laura J. and Joshuaf M. Schwartz, Westport. Property: 29 Salem Road, Westport. Amount: $950,000. Filed June 28. 444 L.L.C., Stamford. Seller: Alex N. Torres, Doral, Fla. Property: 444 Bedford St., Unit 7M, Stamford. Amount: $210,000. Filed June 24. 5 Star Holdings L.L.C., Trumbull. Seller: Federal National Mortgage Association, Trumbull. Property: 1260 Old Town Road, Trumbull. Amount: $71,000. Filed June 28.

CKW L.L.C., Stamford. Seller: 655 Atlantic Street L.L.C., Stamford. Property: 655 Atlantic St., Stamford. Amount: $575,000. Filed June 27. Clair L.L.C., Bethel. Seller: Pamela A. and Kurt D. Gengenbach, Woodbury. Property: 29 Taylor Ave., Bethel. Amount: $360,000. Filed June 24. DLN 162 Greenwood L.L.C., Ridgefield. Seller: Farley Enterprises L.L.C., Greenwich. Property: 162 to 174 Greenwood Ave., Bethel. Amount: $980,000. Filed June 26. Geomock L.L.C., Bridgeport. Seller: Nancy C. Stroman, Myrtle Beach, Fla. Property: 190 to 196 Steuben St., Bridgeport. Amount: $27,500. Filed June 24. JAAR L.L.C., Norwalk. Seller: Patricia B. Skelly, Westport. Property: 28 Turkey Hill Road South, Westport. Amount: $1.3 million. Filed June 28. Junco Sofaim L.L.C., Bridgeport. Seller: Jose A. Olivares, Fairfield. Property: 537 Harral Ave., Bridgeport. Amount: $58,000. Filed June 24. Secure Residential L.L.C., Trumbull. Seller: 5 Star Holdings L.L.C., Trumbull. Property: 1260 Old Town Road, Trumbull. Amount: $85,000. Filed June 28. T2 Holdings L.L.C., Westport. Seller: Alberto Suarez, Bridgeport. Property: 37 Beverly Drive, Bridgeport. Amount: $84,000. Filed June 26. TKC L.L.C., Woodbridge. Seller: HSBC Bank USA N.A. , Oklahoma City, Okla. Property: 59 to 61 Pacific St., Bridgeport. Amount: $108,000. Filed June 27. UTZ Management L.L.C., Stamford. Seller: Brittany S. Cates and Sara A. Fucci, Stamford. Property: 71 Strawberry Hill Ave., Unit 1019, Stamford. Amount: $187,500. Filed June 28.

QUIT CLAIM Post Road Ironworks Inc., Greenwich. Seller: Peter C. Carriero, Greenwich. Property: 195 Stillwater Ave., Unit 5, Stamford. Amount:, 171 268. Filed June 21.

THE RECORDS SECTION IS NOW AVAILABLE BY DIGITAL SUBSCRIPTION. Go to westfaironline.com/buy/records-section/ for more information and to view a sample.

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of July 15, 2013 19

NEWSMAKERS plus awards and events Foundation suPPorts PsYChiatriC teaM The Child Guidance Center of Southern Connecticut, a nonproﬁt mental health outpatient center for children and adolescents, received a $12,000 grant from the First County Bank Foundation to support emergency mobile psychiatric services (EMPS) in Stamford, Greenwich, Darien and New Canaan. The psychiatric team provides immediate assessment and crisis stabilization services to young people experiencing serious psychiatric symptoms and severe reactions to traumatic events. Services are available seven days a week at home, school or in the larger community. The Child Guidance Center is designated by the state Department of Children and Families as the provider

of EMPS in Stamford, Greenwich, Darien and New Canaan, when a local call is placed through the 24-hour 2-1-1 system for crisis intervention. Over the past year, members of the EMPS team were part of the statewide mobilization of EMPS teams deployed to Newtown after the shooting at Sandy Hook Elementary School. Richard Zaremski, senior vice president of First County Bank, said, “We are amazed at the scope of critical services provided by the Child Guidance Center and proud to support its capacity to prevent suicides and violence and deliver critical services when tragedy strikes our community.”

tWo lauded BY northWestern Mutual Justin Charise, a ﬁ nancial adviser based in Westport will be honored on stage at Northwestern Mutual’s 133rd annual meeting July 22 in Milwaukee. He has been named this year’s “Platinum Leader,” an award that recognizes the top-producing agent in their fourth year with Northwestern Mutual. He and his team were named among the top 30 practices with the company nationwide. Peter B. dott, a ﬁnancial representative with The Bender Financial Group of Northwestern Mutual has

qualiﬁed for membership in the Million Dollar Roundtable (MDRT), an international, independent association of nearly 19,000 life insurance producers. MDRT is a career milestone that indicates sales and service achievement and is a recognized mark of excellence for life underwriters. Dott has been associated with Northwestern Mutual since 1992. He provides guidance and solutions for a variety of ﬁnancial needs and goals, including estate planning, buy/sell agreements and retirement planning.

orthoPedists eMBraCe Both sides oF Border

natale ProMoted at QuinniPiaC

Northern Westchester Hospital in Mount Kisco, N.Y., crossed the border into Connecticut to welcome two new members to its medical staﬀ. JeFFreY alWine M.d. received his doctor of osteopathic medicine degree from Philadelphia College of Osteopathic Medicine, Philadelphia. He completed his residency in orthopedic surgery from Our Lady of Lourdes Medical Center — Kennedy Memorial Hospital in Staﬀord, N.J. Alwine is a member of Cos Cob-based Plancher Orthopedics & Sports Medicine and lives in Connecticut. alBert dunn M.d. received his doctor of osteopathic medicine degree from Lake Eric College of Osteopathic Medicine, Erie, Pa. He completed his residency in orthopedic surgery from South Pointe Hospital/Cleveland Clinic Health System in Ohio. Dunn, too, is a member of Plancher Orthopedics & Sport Medicine and lives in Connecticut.

karla natale of Cheshire has been promoted from director of special events to assistant vice president for public aﬀairs at Quinnipiac University. Natale will continue to be responsible for overseeing and coordinating special events and university advertising and managing the public aﬀairs division’s budget.

rinaldi to head union’s neW FairField BranCh Union Savings Bank has hired nanette rinaldi as assistant vice president and branch manager for its New Fairﬁeld branch. In her new position, Rinaldi will be responsible for managing all aspects of a full service branch, including new business development activities, team building, customer service and community outreach. “She brings more than 25 years of banking experience to her new position and will be a valuable addition to our team,” said Union Savings Bank President and CEO Fran dattalo. “We are delighted to welcome her as manager of our New Fairﬁeld branch.”

20 Week of July 15, 2013 • FairField County Business Journal

CadoVius Will sPearhead disaBled eFForts niCole CadoVius, director of Connecticut residential services at Bethel- and Mount Kisco, N.Y.-based Ability Beyond Disability, has been appointed Connecticut chapter president of the American Association on Intellectual and Developmental Disabilities (AAIDD). “I am honored and excited to serve Connecticut AAIDD as president,” said Cadovius. “While the pressures of lessening resources continue to impact the services we provide, we must develop innovative quality approaches to supporting individuals to achieve ultimate independence, fulﬁllment and acceptance in the communities in which they live.” Cadovius will serve as president for the next two years. She spent the last two years as the ﬁrst vice president.

Maguire Joins reBY as adViser

Danbury-based Reby Advisors has added Ridgefield resident Jill Maguire in the position of financial adviser. Maguire is a certified financial planner with more than 10 years experience advising families, business owners and organizations. “We are thrilled to have Jill as part of our team and we are looking forward to her contributions that will advance the firm’s mission of inspiring more people to achieve financial peace-of-mind,” said Bob Reby, president and CEO of Reby Advisors.

kile naMed assoCiate engineering dean at QuinniPiaC

Citrin CooPerMan ProMotes tWo

Justin W. kile of Cheshire has been promoted from associate professor to the newly created position of associate dean of engineering at Quinnipiac University. “After the School of Business and Engineering conducted a national search for the new associate dean of engineering, Justin Kile was the search committee’s overwhelming favorite to assume this critical position,’ said Matthew L. O’Connor, dean of the School of Business and Engineering. “Justin is an excellent teacher, an experienced academic administrator and a strong proponent for engineering education.” Kile will oversee the university’s engineering program, which launched in 2012 and oﬀers programs in civil, mechanical, industrial and software engineering leading to bachelor of science degrees. The program increases the number of its faculty from two to eight this fall. “It’s very exciting to be a part of something new and to be a part of this team,” Kile said. “I am looking forward to watching this program continue to grow.”

Citrin Cooperman recently announced a pair of promotions in the firm’s Norwalk office. WilliaM t. Conron CPa has been promoted to partner. He provides tax consulting and compliance services to closely held emerging and middle-market businesses in industries including financial services, real estate, technology, manufacturing and retail. He earned his degree in accounting from Providence College and is a member of the American Institute of Certified Public Accountants, the Business Council of Fairfield County’s Growth Network, the Fairfield County Young Professionals Network and a young ambassador of Norwalk Hospital. He is a past Business Journal 40 Under 40 honoree. Craig a. JaCoBson has been promoted to principal in the firm’s Norwalk office. He works in the firm’s Valuation and Forensic Services Group, helping clients in a wide range of industries. He has performed valuation and economic damages analyses involving corporate transactions and shareholder buyouts, lost profit/economic damages, intangible assets, intellectual property, fairness opinions and forensic services. He holds a bachelor’s degree in economics and computer science from SUNY Albany and an MBA in finance from New York University’s Stern School of Business.

DATES JulY

18 Thursday

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18 Thursday

Carter taPPed For QuinniPiaC Post neW BranCh and neW senior Banker DRB Mortgage, a division of Darien Rowayton Bank, has named Shelton resident MiChael J. loCkaVitCh as senior mortgage banker in its new Southport office serving the Fairfield area. He has more than 20 years of mortgage knowledge and experience to help guide his clients in purchasing or refinancing a home in a quick and timely manner, the bank reported. “Michael’s wealth of knowledge, experience and abilities in the mortgage industry are an immense complement to our team,” said denise russo, senior vice president for Darien Rowayton Bank. “We are excited to have a talented individual like Michael bring his personal style and customer focus to our organization.”

Catherine Carter of South Windsor has been appointed assistant director for student services in the School of Communications at Quinnipiac University. In her new position, Carter will serve as an instructor and academic adviser in the School of Communications. Her primary responsibilities include teaching a communications freshman seminar, academic advising collaborating on career development and internship initiatives and reviewing resumes and cover letters. She also will help develop orientation programs and various workshops throughout the academic year. “Student success, ﬁrst and foremost, is my principal concern,” Carter said. “I am eager to engage in the student-centered culture of Quinnipiac by developing strategies, leading intentional conversations and collaborating with my colleagues on action plans to enhance student achievement.”

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16 Tuesday

Bisnow Media, an online publisher and events producer serving the commercial real estate industry, has assembled a panel of experts on the local commercial real estate market and economy for its second annual Future of Westchester & Fairﬁeld County event to be held Thursday, July 18, 7-10 a.m., at the Hilton Stamford Hotel & Executive Meeting Center in Stamford.

The Fairchester Business Resource’s meeting July 18 will feature Rob Hartmann, founder and principal of ConnectionText, who will speak on “Growing Your Business Through the Power of Mobile: An Education in Mobile Marketing.” Thursday, July 18, 7:30-9:30 a.m. Continental breakfast provided by the Fairchester Business Resource organizing committee. The event is at the Darien Community Association, 274 Middlesex Road, Darien. Registration is required. For more information contact, Isaiah Cooper, president, at 387-1595 or Ginny Hull, secretary, at 797-9497.

Create a step-by-step resume tailored just for mothers with the help of the Women’s Business Development Council. The remaining dates are July 16, 23; 10 a.m-noon, at the WBDC oﬃce, 184 Bedford St., Stamford. The program fee is $225 for the entire series, which began July 9, material included. Registration is required.

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

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on the record RESIDENTIAL Aldana, Nathalia and Edgar M. Aldana, Naugatuck. Seller: Michelle McCue, Danbury. Property: 73 Coalpit Hill Road, Unit 2, Danbury. Amount: $122,000. Filed June 26. Aleman, Paola V., Stamford. Seller: Patricia A. Busak, Stamford. Property: 377 Glenbrook Road, Unit 14, Stamford. Amount: $462,000. Filed June 25. Alfaro, Vilma E. and Oscar L. Alfaro, Danbury. Seller: The Secretary of Housing and Urban Development, Manchester, N.H. Property: 5 Golden Hill Road, Danbury. Amount: $130,000. Filed June 26. Alpert, Matthew, Monroe. Seller: Miguel Cedeno, Stratford. Property: 1661 Main St., Stratford. Amount: $125,000. Filed June 24. American International Relocation Services Inc., Pittsburgh, Pa. Seller: Michele L. and Robert M. Nelson, New Fairfield. Property: 10 Austin Drive, New Fairfield. Amount: $570,000. Filed June 27. Ammon, John D., Bridgeport. Seller: Sarah Moleski, Stratford. Property: 76 Klondike St., Stratford. Amount: $260,000. Filed June 27. Anderson, Colleen M., Stratford. Seller: Heather and Andrew J. Morley, Stratford. Property: 3966 Main St., Stratford. Amount: $275,000. Filed June 24. Ayaz, Kirsten S. and Neil A. Ayaz, Ridgefield. Seller: Lori and Cameron Goodman, Ridgefield. Property: 21 Kiln Hill Lane, Ridgefield. Amount: $1.09 million. Filed June 25. Baldivicio, Orvil F., Danbury. Seller: Ellen Ann McGlynn, Danbury. Property: 19 Grove Place, Danbury. Amount: $257,000. Filed June 26. Banta, Nitesh, Stamford. Seller: Maria P. Quiceno and Yecid L. Torres, Stamford. Property: 1092 E. Main St., Unit 16C3, Stamford. Amount: $113,000. Filed June 24. Beranek, Gina O. and Patrick H. Beranek, Westport. Seller: Heidi and David B. Spivak, Weston. Property: 41 Rogues Ridge, Weston. Amount: $1.7 million. Filed June 27. Berman, Mark and Anthony Reinermann, Stamford. Seller: Renee J. Giffroy and Bradford C. Pierce, Stamford. Property: 195 W. Haviland Lane, Stamford. Amount: $1.2 million. Filed June 26.

Bhangu, Pritpal and Gurinder Bhangu, Sleepy Hollow, N.Y. Seller: Stephanie Clure Carl and John P. Carl, Fairfield. Property: 64 Woodside Ave., Fairfield. Amount: $338,000. Filed June 28. Black, Jason Paul and Kyle Hannan Black, Trumbull. Seller: Valerie J. Jenkins, Trumbull. Property: 268 Booth Hill Road, Trumbull. Amount: $348,000. Filed June 28. Blackwell, Blance A. and Lonnie J. Blackwell, Milford. Seller: The Secretary of Housing and Urban Development, Manchester, N.H. Property: 1700 Broadbridge Ave., Unit C26, Stratford. Amount: $38,000. Filed June 28.

Chantakoume, Thongpaseuth H. and Weanderly Valera, Trumbull. Seller: Lisa R. and Richard P. Keegan, Trumbull. Property: 5 Kitcher Court, Trumbull. Amount: $415,000. Filed June 24.

Creighton Conner, Jamie, Indian River Shores, Fla. Seller: Jacquelyn S. and Ronald H. Miskie, Sherman. Property: 38 Holiday Point Road, Sherman. Amount: $648,000. Filed June 20.

Burrows, Linda, Westport. Seller: Carolyn A. and James B. Preston, Vero Beach, Fla. Property: 64 Harbor Road, Westport. Amount: $1.1 million. Filed June 27.

Cingari, Jennifer, Stamford. Seller: Nancy J. Cingari, Stamford. Property: 27 Riverhill Drive, Stamford. Amount: $200,000. Filed June 28.

Bush, Francisco, Bridgeport. Seller: Plymouth Park Tax Services L.L.C., Whippany, N.J. Property: 125 Miles St., Bridgeport. Amount: $30,000. Filed June 25.

Cinque, Courtney, Danbury. Seller: Cimin Development L.L.C., Douglaston, N.Y. Property: 23 Old Oak Drive, Brookfield. Amount: $259,900. Filed June 27.

Davis, JoAnne L. and Pasquale Rauccio, Newtown. Seller: Kathleen S. and Robert E. Johnson, Newtown. Property: 25 Cedar Hill Road, Newtown. Amount: $283,000. Filed June 28.

Cadavid, Jamie Divine and Mario E. Cadavid, Berkely Heights, N.J. Seller: Maria T. and Charles E. Collins Jr., Brookfield. Property: 50 Riverford Road, Brookfield. Amount: $618,000. Filed June 28.

Clark, Susanne E. and Bradford S. Glick, Darien. Seller: Maria Della Vecchia-Bliss and Gregory E. Bliss, Darien. Property: 60 Gardiner St., Darien. Amount: $1.07 million. Filed June 26.

Burbank, Joanne M., Danbury. Seller: Virginia I. Cook, Danbury. Property: 148 Lake Place South, Danbury. Amount: $255,000. Filed June 24.

FORECLOSURES

Ilunga, Tshiahungala Robert, et al. Creditor: Nationstar Mortgage L.L.C., Lewisville, Texas. Property: 6 Armstrong Place, Bridgeport, mortgage default. Filed June 24. Kreutzer, Carol (Estate). Creditor: Federal National Mortgage Association, Los Angeles, Calif. Property: 1 Fairfield Ave., Unit C4, Danbury, mortgage default. Filed June 24. Lightbourne, Ethel, et al. Creditor: Suntrust Mortgage Inc., Richmond, Va. Property: 33 Durant St., Stamford, mortgage default. Filed June 27.

Antares SHS L.P. Creditor: CCMR Harbor Square L.L.C., Philadelphia, Lopez, Jenny F. and Teddy Lopez, Pa. Property: 860 Canal St., Stam- et al. Creditor: Connecticut Housford, mortgage default. Filed June 27. ing Finance Authority, Rocky Hill. Property: 660 Ezra St., Bridgeport, mortgage default. Filed June 25. Blanchard, Rebecca and Christian D. Eichele, New York City. Seller: Aponte, Ruby and Rafael Aponte, Marsha Bellsley, Stamford. Property: et al. Creditor: PNC Bank N.A., Mi79 Mather Road, Stamford. Amount: amisburg, Ohio. Property: 275 Al- Mazza, Danielle C. and Edward C. $722,750. Filed June 28. exander Ave., Bridgeport, mortgage Campbell III, et al. Creditor: BAC Home Loans Servicing L.P., Irvine, Campbell, Wendy L. and Chris- Clarke, Edward, New Britain. Seller: default. Filed June 24. Calif. Property: 3 Middleton Drive, topher S. Campbell, Danbury. Giovanni Timperanza, Bridgeport. New Fairfield, mortgage default. Bonaiuto, Christy D. and James Seller: Paul E. Lunn, Woodstock, Ga. Property: 75 Fleet St., Bridgeport. M. Bonaiuto, New Fairfield. Seller: Property: 11 Toby Lane, Brookfield. Amount: $119,900. Filed June 24. Bansal, Mukesh K., et al. Creditor: Filed June 24. Sally and Matthew Mangiamele, Amount: $412,500. Filed June 27. Green Tree Servicing L.L.C., Tempe, Sherman. Property: 18 Cedar Lane, Fla. Property: 55 Cross St., Unit E7, Click, Maria C. and Matthew C. Sherman. Amount: $330,000. Filed Danbury, mortgage default. Filed McGovern, Monica A. and Jared T. McGovern. Creditor: PHH MortCard, Andrea M. and Nathan W. Click, Stamford. Seller: U.S Bank June 26. June 27. gage Corporation, Mount LauCard, Stratford. Seller: Marianne N.A., trustee, Owensboro, Ky. Proprel, N.J. Property: 75 Success Ave., Card, Stratford and Raymond G. erty: 97 Mill Spring Lane, Stamford. Bonora, John M., Stamford. Seller: Card, Barkhamsted. Property: 39 Amount: $430,000. Filed June 28. Bell, Annie F., et al. Creditor: M&T Bridgeport, mortgage default. Filed Ryan R. Lee, Houston, Texas. Prop- Barrows St., Stratford. Amount: Bank, Buffalo, N.Y. Property: 390 June 27. erty: 43 Harbor Drive, Stamford. $175,000. Filed June 28. Charles St., Unit 210, Bridgeport, Coe, Sarah J. and Nigel E. Coe, mortgage default. Filed June 24. Amount: $450,000. Filed June 26. Larchmont, N.Y. Seller: Ellen PaMulhare, Kevin, et al. Creditor: Suntrust Mortgage Inc., Richmond, Carriero, Gail and Peter Carriero, nageas, Darien. Property: 5 Bishop Boroughf, Nancy and James G. Stamford. Seller: Diane Donohue Gate, Darien. Amount: $2.3 million. Brown-Morgan, Sheron and Va. Property: 2625 Park Ave., BridgeBoroughf, Danbury. Seller: Laurie Nichols, Norwalk and Angel D. Pick- Filed June 25. Winston Archer, et al. Creditor: port, mortgage default. Filed June 27. M. Esposito, Danbury. Property: 27 ett, Orange. Property: 31 Puritan Deutsche Bank National Trust, Lawncrest Road, Danbury. Amount: Lane, Stamford. Amount: $290,000. trustee, Los Angeles, Calif. Property: Coheleach, Robin and George Co- 55 Stoehrs Place, Bridgeport, mort- Mullins, Marie A., et al. Creditor: $196,500. Filed June 24. Filed June 28. heleach, Hillsborough, N.J. Seller: gage default. Filed June 27. OneWest Bank F.S.B., Pasadena, Danielle K. and Manuel B. Broad, Calif. Property: 1405 Chopsey Hill Road, Bridgeport, mortgage default. Bozza, Angela and Robert LeClerc, Cartus Financial Corp., Dan- Fairfield. Property: 73 Pine Ridge Bronx, N.Y. Seller: Ellen B. and James bury. Seller: Dominica and John Road, Fairfield. Amount: $500,000. Durrett, Michelle, et al. Creditor: Filed June 24. K. Gil, Sherman. Property: 17 Brins- M. Vazquez, Fairfield. Property: 75 Filed June 24. Nob Hill Condominium Associamade Lane, Sherman. Amount: Sconset Drive, Fairfield. Amount: tion Inc., Bridgeport. Property: 40 $480,000. Filed June 28. $1.1 million. Filed June 24. Mencel Circle, Unit 199, Bridgeport, Noel, Kenol, et al. Creditor: Titan Collins, Scott L., Newtown. Seller: mortgage default. Filed June 27. Capital ID L.L.C., Westport. PropShelley and Harlan Burnstein, Newerty: 46 Oakview Circle, Unit 6-204, Bridgeport, mortgage default. Filed Brady Yurko, Tracey and Mark Cartus Financial Corp., Dan- town. Property: 14 Antler Pine Road, Yurko, New York City. Seller: bury. Seller: Kristin Q. and Kevin T. Newtown. Amount: $400,000. Filed Garrett, Barbara, et al. Creditor: June 25. Gretchen Kish Neal and Roger W. Cammarata, Weston. Property: 36 June 28. US Bank N.A., Salt Lake City, Utah. Neal, Darien. Property: 34 Andrews Heritage Lane, Weston. Amount: Property: 44 Merriland Road, StamDrive, Darien. Amount: $2.7 mil- $755,000. Filed June 24. ford, mortgage default. Filed June 25. Parfitt, Sally and Donald H. Parfitt, Colon, Kristin M. and Samuel et al. Creditor: Residential Credit Solion. Filed June 25. Colon, Trumbull. Seller: Diane and lutions Inc., Los Angeles, Calif. PropCastillo, Ralph, West Palm Beach, Mark Waggner, Trumbull. Prop- Gutierrez, Kamille L. and Ivan J. erty: 3 Clement Road, New Fairfield, Broad, Danielle K. and Manuel Fla. Seller: Maria Gabriela Merino, erty: 65 Oakridge Road, Trumbull. Gutierrez Jr., et al. Creditor: Con- mortgage default. Filed June 26. B. Broad, Fairfield. Seller: Spa Inc., Bridgeport. Property: 333 Vincellette Amount: $420,000. Filed June 25. necticut Housing Finance Authority, Fairfield. Property: 491 Lockwood St., Unit 13, Bridgeport. Amount: Rocky Hill. Property: 25 to 27 Evers Road, Fairfield. Amount: $839,900. $85,000. Filed June 25. Circle, Bridgeport, mortgage default. Rojas, Edgar, et al. Creditor: The Coppola, Linda and Thomas Cop- Filed June 24. Bank of New York Mellon, trustee, Filed June 24. pola, Stamford. Seller: Leslie E. Freed New York City. Property: 195 Pennsylvania Ave., Bridgeport, mortgage Casucci, Jeffrey, Fairfield. Seller: and Gregory McEnary, Stamford. Brown, Joanne Caroline, Darien. Mary Kate and Scott Mattison, Fair- Property: 444 Bedford St., Unit 4C, Hangac, Jessica A. and Stuart J. default. Filed June 25. Seller: Kerry Lynn and John S. field. Property: 340 Burr St., Fair- Stamford. Amount: $140,450. Filed Hangac, et al. Creditor: PNC Bank McKoy, Darien. Property: 28 Shields field. Amount: $1.02 million. Filed June 26. N.A., Louisville, Ky. Property: 2 Road, Darien. Amount: $2.4 million. June 28. Moody Lane, Danbury, mortgage Stegmaier, Carl, Creditor: JPMorgan Chase Bank N.A., Columbus, Filed June 25. default. Filed June 26. Corey, Amanda Holt and George P. Ohio. Property: 2350 Old Town Road, Bridgeport, mortgage default. Cavallo, James P., Trumbull. Seller: Corey, Westport. Seller: Susan CooBueckman, Blake and Daniel Jessica M. Campos Bristol and per, Westport. Property: 14 Hoyt Hardy, Janis, et al. Creditor: JPM- Filed June 25. Bueckman, Stamford. Seller: Alyssa Thomas McKeown, Trumbull. Prop- Lane, Westport. Amount: $1.8 mil- organ Chase Bank N.A., Mendota and Matthew Cohen, Stamford. erty: 318 Stonebridge Lane, Unit 14, lion. Filed June 24. Heights, Minn. Property: 35 Toni Property: 62 Akbar Road, Stamford. Trumbull. Amount: $200,000. Filed Place, Bridgeport, mortgage default. Amount: $745,000. Filed June 19. June 28. Filed June 24.

22 Week of July 15, 2013 â&#x20AC;˘ Fairfield County Business Journal

on the record Whittingham, Christopher G. Creditor: The Bank of New York Mellon, trustee, New York City. Property: 692 Maple St., Bridgeport, mortgage default. Filed June 25.

FORECLOSURES BY SALE Bayview Loan Servicing L.L.C., Coral Gables, Fla. Appointed Committee: Christopher G.Winans, Danbury. Property: 1 Cel Bret Drive, Danbury. Amount: $228,000. Docket no. 12cv6009251S. Filed June 24. Catrini, Cathy, Delray Beach, Fla. Appointed Committee: Amy J. Livalsi, Stamford. Property: 66 Maple Tree Ave., Unit 9, Stamford. Amount: $97,000. Docket no. 12cv6016340S. Filed June 28.

Azzollini, Matthew, New Fairfield. $493.87, in favor of Danbury HosLEASES pital, Bethel, by Robert E. Johnson, East Hartford. Property: 34 Merlin Acadia Holdings L.L.C., Landlord: Ave., New Fairfield. Filed June 27. Brook North Investments L.L.C. Property: 940 Federal Road, BrookBaisley, Jason, Bethel. $1,733.05, field. Term: five years, commencing in favor of Danbury Hospital, Dan- June 5, 2013. Filed June 25. bury, by Robert L. Peat, Danbury. Property: 5 Sunny Acres Road, BethJ&J Fine Wines and Spirits L.L.C., el. Filed June 27. by John M. O’Donovan. Landlord: Rochana Realty L.L.C. Property: 277 Bayonne, Carolyn L., Fairfield. Whisconier Road, Brookfield. Term: $4,650.93, in favor of American Ex- five years, commencing May 2013. press Bank F.S.B., New York City, by Filed June 26. Sara M. Gould, Stamford. Property: 73 Pine Ridge Road, Fairfield. Filed O’Donovan’s Brookfield Market June 24. L.L.C., by John M. O’Donovan. Landlord: Rochana Realty L.L.C. Bloom, Dennis W., Newtown. Property: 277 Whisconier Road, $601.13, in favor of Danbury Hospi- Brookfield. Term: five years, comtal, Bethel, by Robert E. Johnson, East mencing June 23, 2013. Filed June 26. Hartford. Property: 25 Philo Curtis Road, Newtown. Filed June 27.

Delima, Roselina, Bridgeport. Appointed Committee: Jessica L. Braus, Fairfield. Property: 113 to 115 Milne St., Bridgeport. Amount: $28,835. Docket no. 12cv6029221S. Filed June 26.

Bloomberg, Catherine, Newtown. $91,910.98, in favor of The Kent Ltd, Kent, by Jason G. DeGenaro, Guilford. Property: 32 Brushy Hill Road, Newtown. Filed June 27.

Union Savings Bank, Danbury. Appointed Committee: Jill H. O’Connor, New Fairfield. Property: 17 E. Lake Road, New Fairfield. Amount: $399,000. Docket no. 12cv6009308S. Filed June 28.

Broughton, Robert, Stamford. $5,409.27, in favor of Stamford Hospital, Stamford, by Robert E. Johnson, East Hartford. Property: 101 Webbs Hill Road, Stamford. Filed June 25.

JUDGMENTS

Campione, Christine, New Fairfield. $7,890.57, in favor of Hospital Central Connecticut at New Britain General and Bradley Memorial, New Britain, by Richard Terry, Hamden. Property: 36 Inglenook Road, New Fairfield. Filed June 26.

Adams, Eric T., Stamford. $1,826, in favor of Cavalry SPV I L.L.C., Valhalla, N.Y., by Joseph M. Tobin, New Haven. Property: 14 E. Walnut St., Stamford. Filed June 25. Aponte, Tracey, Stratford. $15,794.28, in favor of Educap Inc., Sterling Va., by Edward D. Jacobs, New Haven. Property: 593 King St., Stratford. Filed June 24. Aquino, Dawn and Luciano Aquino, Cos Cob. $4,301.39, in favor of Portfolio Recovery Associates L.L.C., Norfolk, Va., by Joseph M. Tobin, New Haven. Property: 40 Cos Cob Ave., Cos Cob. Filed June 24. Asamoah, Monica, Stratford. $993.05, in favor of Cavalry SPV I L.L.C., Valhalla, N.Y., by Nathan G. Johnson, Pawtucket, R.I. Property: 516 Sedgewick Ave., Stratford. Filed June 25.

LIENS

FEDERAL TAX LIENSFILED Brogan, Stephen J. and William Kraekel, 35 Weathervane Drive, Easton. $98,282.77, tax debt on income earned. Filed June 24. Cole, William B., 13 Fox Den Road, Unit A, Danbury. $8,305.54, tax debt on income earned. Filed June 25. Cuadrado, Gonzalo, 85 Cove Road, Apt. B11, Stamford. $34,226.23, tax debt on income earned. Filed June 24.

DiMeo, Patricia L. PC, 266 Harlem Cubbage, Gina, Brookfield. $859.31, Ave., Unit C6, Bridgeport. $1,257.97, in favor of Danbury Hospital, Bethel, payroll taxes. Filed June 25. by Robert E. Johnson, East Hartford. Property: 50 Flax Hill Road, BrookFaith House Child & Youth Develfield. Filed June 24. opment Center Inc., 850 Norman St., Bridgeport. $1,962.64, payroll Cubur, Goldie L., Stamford. taxes. Filed June 25. $4,719.17, in favor of Cach L.L.C., Denver, Col., by Joseph M. Tobin, New Haven. Property: 11 Pepper IT Services L.L.C., 1074 Hope St., Ridge Road, Stamford. Filed June 19. Stamford. $2,898.05, payroll taxes and quarterly tax returns. Filed June 25. Curtis, William J. Jr., Bridgeport. $1,787.46, in favor of Cavalry SPV I L.L.C., Valhalla, N.Y., by Joseph Kischne, Vania C., 800 MadiM. Tobin, New Haven. Property: 20 son Ave., Apt. 1B, Bridgeport. Hayes St., Bridgeport. Filed June 25. $32,346.04, tax debt on income earned. Filed June 25. Mahoney, Edward P., 46 Victoria Lane, Stratford. $135,900.71, tax debt on income earned. Filed June 24.

FEDERAL TAX LIENSPARTIAL RELEASE

HI Impact PR, 298 Pine Creek Ave., Fairfield. $13,355.30, payroll taxes. Filed June 25.

Clarkin, Jeannette, 85 Prospect St., Unit D, Ridgefield. $171,015.98, tax debt on income earned. Filed June 17.

Keeler, N. Pauta and Michael D. Keeler, 20 Oakland Ave., Apt. 9C, Danbury. $16,628.52, tax debt on income earned. Filed June 25.

Mullins, Wiley, 538 Judd Road, Clarkin, Jeannette, 85 ProsEaston. $2,369.31, tax debt on in- pect St., Unit D, Ridgefield. $160,756.56, tax debt on income come earned. Filed June 24. earned. Filed June 17.

McKinney, Hina, 117 Long Ridge Road, Danbury. $167,682.55, tax debt on income earned. Filed June 25.

New England Landscape & Management Inc., P.O. Box 1066, Ridgefield. $33,089.89, corporation income tax return; and payroll taxes. Filed June 24.

Nutmeg Precision Co. Inc., 141 Davenport St., Bridgeport. $35,556.46, payroll taxes. Filed June 25.

Markowitz, Edward, 10 Hayestown Road, Apt. 20, Danbury. $3,181.49, trust fund recovery penalty and/or excise taxes imposed. Filed June 25. McKnight, Licia M., 389 Remington St., Bridgeport. $14,843.78, tax debt on income earned. Filed June 25.

Pajonas, Mary M. and Todd R. Pajonas, 1015 Sport Hill Road, Easton. $14,378.96, tax debt on income earned. Filed June 24. Pierce, Karen L., 61 Robin Hood Road, Stamford. $41,710.53, tax debt on income earned. Filed June 24. Rashid, Hamida and Mohammad Rashid, 63 Lisa Court, New Milford. $314,534.07, tax debt on income earned. Filed June 25. Razzaia, Frank A. Sr., 17 Ridge Road, Bethel. $367.20, tax debt on income earned. Filed June 24. Schappert, Stephen E., 147 Elm St., Thomaston. $13,805.16, tax debt on income earned. Filed June 25. Scosta, Victoria L., 124 Long Meadow Hill Road, Brookfield. $132,127.68, tax debt on income earned. Filed June 25. Shabalala, Thulisile P., 85 Linron Drive, Danbury. $47,761.41, tax debt on income earned. Filed June 24. Smith, Michael I., 50 Post Road West, Westport. $269,296.44, tax debt on income earned. Filed June 25. Sunny Mart L.L.C., 527 Glenbrook Road, Stamford. $13,887.18, payroll taxes. Filed June 24. Szablak, Judith, 173 Hamilton Ave., Stratford. $7,775.56, tax debt on income earned. Filed June 24. Wooten, Dave, 140 Yale St., Apt. 2, Bridgeport. $2,605.28, tax debt on income earned. Filed June 24.

Lacerte, Arianne only, 101 Washington Blvd., Stamford. $186,784.80, tax debt on income earned. Filed June 25.

FEDERAL TAX LIENSRELEASED Beck, Julie, 305 Westway Road, Southport. $71,186.98, tax debt on income earned. Filed June 25. Chatham, Dawn M., 27 Red Fox Road, Stamford. $65,012.80, tax debt on income earned. Filed June 24. Daly, Thomas M., P.O. Box 8119, New Fairfield. $14,985, tax debt on income earned. Filed June 24. Ferreira, Florbela and Manuel Ferreira, 101 Victory St., Bridgeport. $19,115.15, tax debt on income earned. Filed June 25. Feuer, Matthew, 38 Meadow Wood Drive, Greenwich. $313,156, tax debt on income earned. Filed June 25. Fleder Tyler, Wendy, 165 Wellington Drive, Stamford. $133,211.19, tax debt on income earned. Filed June 25. Fleder Tyler, Wendy, 165 Wellington Drive, Stamford. $2,340.82, tax debt on income earned. Filed June 25. Fleder Tyler, Wendy, 165 Wellington Drive, Stamford. $2,015.86, tax debt on income earned. Filed June 25. Hard Corps Iron Works L.L.C., 86 Euerle St., Stratford. $15,445.08, payroll taxes. Filed June 25. Hata Hi-Tech Machining L.L.C., 70 Hawley Ave., Bridgeport. $623, 1120 corporation income tax return. Filed June 25.

Piniella, Raymond, 41A Catoonah St., Ridgefield. $48,022.21, tax debt on income earned. Filed June 17. Salahshourian, N. and Michael Negrin, 8 Sport Hill Road, Easton. $79,550.30, tax debt on income earned. Filed June 24. Seaman Mechanical Services Inc., 28 Shelter Rock Road, Danbury. $73,587.37, payroll taxes. Filed June 26. Seaman Mechanical Services Inc., 28 Shelter Rock Road, Danbury. $75,600.58, payroll taxes. Filed June 26. Whitton, Megan A. and Jack H. Whitton, 41 Cross Highway, Redding. $43,655.05, tax debt on income earned. Filed June 24. Whitton, Megan A. and Jack H. Whitton, 41 Cross Highway, Redding. $45,734.93, tax debt on income earned. Filed June 24. Wilk, Henry P., 135 Redding Road, Easton. $73,586.98, tax debt on income earned. Filed June 24. Wilk, Henry P., 135 Redding Road, Easton. $20,616.12, tax debt on income earned. Filed June 24. Wood, Elizabeth, 6 Abbey Road, Darien. $16,267.90, tax debt on income earned. Filed June 24. Horelick, Jonathan, 32 Merwin Ave., Milford. $37,103.41, tax debt on income earned. Filed June 25.

THE RECORDS SECTION IS NOW AVAILABLE BY DIGITAL SUBSCRIPTION. Go to westfaironline.com/buy/records-section/ for more information and to view a sample.

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of July 15, 2013 23

on the record FEDERAL TAX LIENSWITHDRAWAL Bonney, Bernedine L., 499 Platt St., Bridgeport. $4,508.20, tax debt on income earned. Filed June 25.

MECHANIC’S LIENSFILED Arpaia, Donatella and Allan Stewart, New Fairfield. Filed by Silvestri Group L.L.C., Danbury, by Theresa Sandifer. Property: 24 Sunset Drive, New Fairfield. Amount: $52,000. Filed June 27. Douthwaite, Cynthia L., Stamford. Filed by Academy Marble & Granite L.L.C., Bethel, by Simon Sepkin. Property: 39 Riverside Ave., Unit 1A, Stamford. Amount: $2,424.17. Filed June 27. Schneider, Victoria, Sherman. Filed by Builders Services Grouping, Norwalk, by Richard Varvis. Property: 100 Richard Beach Road, Sherman. Amount: $2,900. Filed June 13. Silvestri Group L.L.C. and Aurora of Danbury L.L.C., Brookfield. Filed by Countertops by Starian L.L.C., by Stacey Boxer. Property: 1004 Federal Road, Brookfield. Amount: $2,118.49. Filed June 25.

MECHANIC’S LIENSRELEASED Five Yale & Towne L.L.C., Stamford. Filed by B&N Construction Inc., by Bruce R. Snyder. Property: 500 Pacific St., Unit Y4 and Y5, Stamford. Amount: $722,155. Filed June 28.

LIS PENDENS 9 Sherman Street L.L.C.; Shaninara Khatan; Popia Popy; Mohammad Quddus and Mohammad Nuruzzaman, et al., Stamford. Filed by Julie G. Turbert, New Haven, for The United States of America. Property: 46 Fairfield Ave., 15 Hanover St., 83 Orange St., 34 Ranson St. and 9 Sherman St., Stamford. Action: forfeiture of property in favor of plaintiff. Filed June 25. Abbati, Kristina and Keith L. Abbati, et al., Stratford. Filed by Erik Loftus, East Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 50 Wood Ave., Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $261,000, dated December 2007. Filed June 28.

Acevedo, Fidelio, et al., Danbury. Filed by Alan P. Rosenberg, West Hartford, for Crown Court Condominium Association Inc., Danbury. Property: 306 Crown Court, Danbury. Action: to foreclose on unpaid common assessments. Filed June 24. Almeida, Maria J., et al., Bridgeport. Filed by Adrienne Roach, Hartford, for Hudson City Savings Bank, Yonkers, N.Y. Property: 384 Thorme St., Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $190,000, dated April 2007. Filed June 27. Almonte, Deanna and Dany Almonte, et al., Bethel. Filed by Kristen Boyle, Hartford, for Ocwen Loan Servicing L.L.C., West Palm Beach, Fla. Property: 10 Huntington Court, Unit 44, Bethel. Action: to foreclose a delinquent mortgage in the original principal amount of $250,000, dated July 2007. Filed June 26. Angel, Maria, et al., Bridgeport. Filed by Steven G. Berg, Norwalk, for Nob Hill Condominium Association Inc., Bridgeport. Property: 177 Virginia Ave., Unit 282, Bridgeport. Action: to foreclose on unpaid common charges and assessments. Filed June 25. Anthony, Megan D., et al., Stamford. Filed by James W. Donohue, Farmington, for U.S Bank N.A., trustee, Salt Lake City, Utah. Property: 45 Columbus Place, Unit 21, Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $180,000, dated January 2010. Filed June 27. Arias, Mario, et al., Fairfield. Filed by Jeffrey M. Knickerbocker, Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 77 Hibiscus St., Unit 3-2, Fairfield. Action: to foreclose a delinquent mortgage in the original principal amount of $178,000, dated May 2006. Filed June 25. Asbery, Lulu Mae, et al., Bridgeport. Filed by Jeffrey M. Knickerbocker, Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 258 Brooks St., Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $241,656, dated June 2009. Filed June 27. Ashburne, Cynthia C. and John J. Ashburne, et al., Darien. Filed by Kristen Boyle, Hartford, for Deutsche Bank National Trust, trustee, Los Angeles, Calif. Property: 16 Top O’ Hill Road, Darien. Action: to foreclose a delinquent mortgage, dated December 2004. Filed June 24.

Auerbach, Steven, Bridgeport. Filed by Steven G. Berg, Norwalk, for Nob Hill Condominium Association Inc., Bridgeport. Property: 259C Louisiana Ave., Unit 332, Bridgeport. Action: to foreclose on unpaid common charges and assessments. Filed June 24. Ayers, Judy A. and Craig D. Ayers, et al., Stratford. Filed by James W. Donohue, Farmington, for Partners for Payment Relief DE III L.L.C., Newtown Square, Pa. Property: 31 McGrath Court, Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $25,000, dated September 2007. Filed June 27. Bailey, Barbara E., Shelton. Filed by Steven G. Berg, Norwalk, for Nob Hill Condominium Association Inc., Bridgeport. Property: 35D Nob Hill Circle, Unit 282, Bridgeport. Action: to foreclose on unpaid common charges and assessments. Filed June 25. Baldwin, Stuart, et al., Bridgeport. Filed by Kristen Boyle, Hartford, for The Bank of New York Mellon, trustee, New York City. Property: 291 Madison Terrace, Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $280,000, dated September 2005. Filed June 27. Bartolomeo, Joseph M. (Estate), Bridgeport. Filed by Joshua Pedreira, Hartford, for Nationstar Mortgage L.L.C., Lewisville, Texas. Property: 4100 Madison Ave., Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $427,500, dated April 2008. Filed June 26. Bates, Colleen and Scott Bates, et al., Brookfield. Filed by Richard D. Arconti, Danbury, for Union Savings Bank, Danbury. Property: 146 Heatherwood Drive, Brookfield. Action: to foreclose a delinquent mortgage in the original principal amount of $238,600, dated April 2006. Filed June 24. Bauso, Christopher M., et al., Stamford. Filed by Amanda Tiernan, West Warwick, R.I, for Deutsche Bank National Trust, trustee, Los Angeles, Calif. Property: 54 N. Stamford Road, Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $560,000, dated February 2007. Filed June 21. Begum, Mafuza, et al., Stamford. Filed by Erik Loftus, East Hartford, for Nationstar Mortgage L.L.C., Lewisville, Texas. Property: 117 Oaklawn Ave., Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $416,000, dated March 2008. Filed June 24.

24 Week of July 15, 2013 • Fairfield County Business Journal

Beirne, Danielle M. and John P. Beirne, Danbury. Filed by James W. Donohue, Farmington, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 7 Great Meadow Road, Danbury. Action: to foreclose a delinquent mortgage in the original principal amount of $325,344, dated February 2011. Filed June 26. Bell, Nancy C. and Jeffrey J. Bell, Weston. Filed by Matthew B. Woods, Norwalk, for Hudson City Savings Bank, Yonkers, N.Y. Property: 2 Old Weston Road, Weston. Action: to foreclose a delinquent mortgage in the original principal amount of $417,000, dated July 2009. Filed June 26. Bello, Madeline and Andrew Bello, et al., Fairfield. Filed by Erik Loftus, East Hartford, for The Bank of New York Mellon, trustee, New York City. Property: 54 Dawn St., Fairfield. Action: to foreclose a delinquent mortgage in the original principal amount of $127,800, dated July 2005. Filed June 25. Bolmer, Culver, Sandy Hook. Filed by Paul Lewis Otzel, Milford, for Nationstar Mortgage L.L.C., Lewisville, Texas. Property: 38 Berkshire Road, Sandy Hook. Action: to foreclose a delinquent mortgage in the original principal amount of $245,000, dated April 2006. Filed June 26. Britton, Deborah Jean and Todd P. Britton, et al., Bethel. Filed by Joshua Pedreira, Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 18 Hickok Ave., Bethel. Action: to foreclose a delinquent mortgage, dated July 2000. Filed June 24. Brown, Jaclyn, Stratford. Filed by James W. Donohue, Farmington, for The Bank of New York Mellon, trustee, New York City. Property: 3822 Main St., Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $271,915, dated December 2004. Filed June 27. Brown, John G., et al., Bridgeport. Filed by Kristen Boyle, Hartford, for Beneficial Financial I Inc., Mettawa, Ill. Property: 425 Summit St., Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $120,000, dated July 2002. Filed June 27. Bryan, Madge and Shirley D. McLaughlin, et al., Bridgeport. Filed by Marsha S. Beckford, Bridgeport, for WPCA for the city of Bridgeport. Property: 1245 to 1249 Kossuth St., Bridgeport. Action: to foreclose on a sewer-use lien. Filed June 24.

Caceres, Jorge R., Stamford. Filed by James W. Donohue, Farmington, for Wells Fargo Bank N.A., Frederick, Md. Property: 39 Greenwood Hill Road, Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $584,300, dated June 2007. Filed June 20.

Coppola, Michele A., et al., Stamford. Filed by John P. Regan, Stamford, for city of Stamford. Property: 875 Cove Road, Stamford. Action: to foreclose tax liens levied by the city of Stamford. Filed June 24.

Craft, Autier and Jerry Craft, et al., Bridgeport. Filed by Peter A. Ventre, Calder, George, et al., Bridge- Hartford, for Fannie Mae, Washingport. Filed by James W. Donohue, ton, D.C. Property: 439 to 453 Hallett Farmington, for Wells Fargo Bank St., Bridgeport. Action: to foreclose a N.A., Frederick, Md. Property: 868 delinquent mortgage in the original Woodlawn Ave., Bridgeport. Action: principal amount of $320,000, dated to foreclose a delinquent mortgage April 2007. Filed June 25. in the original principal amount of $145,221, dated October 2008. Filed Denicola, Phyllis, et al., Stamford. June 25. Filed by Adrienne Roach, Hartford, for Wells Fargo Bank N.A., FrederCaraballo, Noemi and Wanda ick, Md. Property: 25 Forest St., Unit Terron, et al., Bridgeport. Filed by 7H, Stamford. Action: to foreclose a James W. Donohue, Farmington, delinquent mortgage in the original for Wells Fargo Bank N.A., Freder- principal amount of $278,400, dated ick, Md. Property: 250 Douglas St., August 2006. Filed June 24. Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $149,159, dated Diorio, Sally and Thomas G. Diorio, et al., Weston. Filed by Paul A. September 2005. Filed June 24. DeGenaro, Stamford, for People’s United Bank, Bridgeport. Property: Castillo, Elva and Samuel Castillo, 20 Hill Crest Lane, Weston. Action: et al., Bridgeport. Filed by James to foreclose a delinquent mortgage W. Donohue, Farmington, for U.S in the original principal amount of Bank N.A., trustee, Salt Lake City, $800,000, dated November 2004. Utah. Property: 224 Indian Ave., Filed June 24. Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $100,000, dated Domingo, Conne C., et al., Stamford. Filed by Kristen Boyle, HartOctober 2003. Filed June 25. ford, for Wells Fargo Bank N.A., Frederick, Md. Property: 15 Hale Choser, Patricia and Lori Burgos, St., Stamford. Action: to foreclose a et al., Fairfield. Filed by Adrienne delinquent mortgage in the original Roach, Hartford, for Nationstar principal amount of $297,000, dated Mortgage L.L.C., Lewisville, Texas. November 2005. Filed June 24. Property: 132 Marlborough St., Fairfield. Action: to foreclose a delinquent mortgage in the original Duran, Cesar and Luis A. Duran, principal amount of $435,000, dated et al., Stratford. Filed by Joshua Pedreira, Hartford, for U.S Bank N.A., February 2009. Filed June 26. trustee, Salt Lake City, Utah. Property: 300 Harding Ave., Stratford. Citimortgage N.A., et al., Danbury. Action: to foreclose a delinquent Filed by Alan P. Rosenberg, West mortgage in the original principal Hartford, for Crown Court Condo- amount of $160,000, dated June minium Association Inc., Danbury. 2010. Filed June 26. Property: 136 Pembroke Road, Unit 11-99, Danbury. Action: to foreclose on unpaid common assessments. Fay, Holly M. and Kevin Fay, et al., Bethel. Filed by Christopher R. Filed June 24. Thompson, Farmington, for Bank of America N.A., Charlotte, N.C. PropColligan, Robert J., et al., Bridge- erty: 19 Whippoorwill Road, Bethel. port. Filed by Kristen Boyle, Hart- Action: to foreclose a delinquent ford, for Citimortgage Inc., O’Fallon, mortgage in the original principal Mo. Property: 325 Lafayette St., amount of $300,000, dated SeptemUnit 3106, Bridgeport. Action: to ber 2005. Filed June 26. foreclose a delinquent mortgage in the original principal amount of $218,250, dated February 2007. Filed FIA Card N.A., Danbury. Filed by Adrienne Roach, Hartford, for June 27. Deutsche Bank National Trust, trustee, Los Angeles, Calif. PropConnolly, Mary Jane and Joseph erty: 33 Town Hill Ave., Unit 15, F. Connolly Jr., et al., Bethel. Filed Danbury. Action: to foreclose on by Christopher G. Winans, Dan- a judgment lien against the defenbury, for Savings Bank of Danbury, dant. Filed June 24. Danbury. Property: 4 High Lake Drive, Bethel. Action: to foreclose a delinquent mortgage in the original principal amount of $236,000, dated May 1996. Filed June 25.

on the record Finan, Lisa, et al., Brookfield. Filed by Dyan M. Kozaczka, Orange, for Stony Hill Village Condominium Association Inc., Brookfield. Property: 88 Heatherwood Drive, Brookfield. Action: to foreclose a statutory lien on this unit. Filed June 27. Gagliardi, Antonio M., Ridgefield. Filed by Erik Loftus, East Hartford, for U.S Bank N.A., trustee, Salt Lake City, Utah. Property: 391 Barrack Hill Road, Ridgefield. Action: to foreclose a delinquent mortgage in the original principal amount of $599,675, dated June 2005. Filed June 24. Gintel, Patti A. and Steven S. Gintel, et al., Bridgeport. Filed by Jeffrey M. Knickerbocker, Hartford, for PHH Mortgage Corporation, Mount Laurel, N.J. Property: 333 Vincellette St., Unit 155, Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $113,878, dated October 2003. Filed June 26. Gjuraj, Tom, et al., Stamford. Filed by Erik Loftus, East Hartford, for U.S Bank N.A., trustee, Salt Lake City, Utah. Property: 66 Lockwood Ave., Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $556,500, dated December 2005. Filed June 24. Goings, Emma S., Stamford. Filed by Sonja J. Straub, Farmington, for Wells Fargo Bank N.A., Frederick, Md. Property: 45 Durant St., Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $231,990, dated November 2009. Filed June 24. Grondolosky, Diana L., Bethel and Frank F. Grondolosky, Wickliffe, Ohio, et al. Filed by Christopher G. Winans, Danbury, for Savings Bank of Danbury, Danbury. Property: 25 Pell Mell Drive, Bethel. Action: to foreclose a delinquent mortgage, dated October 2005. Filed June 25. Guiffra, Marie and Christine Magliarisi, co-exectrixes of the estate of Carol Ann Caselli, et al., Stamford. Filed by Vincent J. Freccia III, Stamford, for the city of Stamford. Property: 16 Depinedo Ave., Stamford. Action: to foreclose tax liens levied by the city of, Stamford. Filed June 24.

Guillen, Ana and Ender A. Alban, et al., Bridgeport. Filed by Kristen Boyle, Hartford, for Nationstar Mortgage L.L.C., Lewisville, Texas. Property: 376 Truman St., Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $208,000, dated December 2006. Filed June 24.

Jean-Jacques, Marie C. and Joachim Jean-Jacques, et al., Stamford. Filed by Adrienne Roach, Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 54 Dann Drive, Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $508,000, dated March 2008. Filed June 24.

Haga, Christer K., et al., New Fairfield. Filed by John P. Fahey, Farmington, for Midfirst Bank, Oklahoma City, Okla. Property: 2 Kingsbury Road, New Fairfield. Action: to foreclose a delinquent mortgage in the original principal amount of $84,450, dated February 1993. Filed June 24.

Johnston, Jennifer and Travis Johnston, et al., Danbury. Filed by Joshua Pedreira, Hartford, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 2A Jeannete St., Unit 23, Danbury. Action: to foreclose a delinquent mortgage in the original principal amount of $200,000, dated August 2006. Filed June 26.

Hallaran, Constance A. and George F. Hallaran, et al., Stamford. Filed by Joshua Pedreira, Hartford, for CitiMortgage Inc., O’Fallon, Mo. Property: 7 Apple Tree Lane, Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $452,087, dated March 2003. Filed June 28.

Johnston, Michael D., et al., Bridgeport. Filed by Paul Lewis Otzel, Milford, for Connecticut Housing Financial Authority, Bridgeport. Property: 325 Lafayette St., Unit 4301, Bridgeport. Action: to foreclose a delinquent mortgage. Filed June 25.

Haynes, Ena and Lenworth Haynes, et al., Stratford. Filed by Kristen Boyle, Hartford, for Nationstar Mortgage L.L.C., Lewisville, Texas. Property: 15 Tavern Rock Road, Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $361,690, dated February 2012. Filed June 28. Henderson, Gwendolyn M., et al., Bridgeport. Filed by Adrienne Roach, Hartford, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 426 William St., Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $175,698, dated July 2007. Filed June 27.

Jones, Kendrea N., et al., Bridgeport. Filed by Kristen Boyle, Hartford, for PHH Mortgage Corp., Mount Laurel, N.J. Property: 202C Virginia Ave., Unit 312, Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $125,681, dated September 2009. Filed June 25. Juarez, Orfilda and Miguel A. Juarez, et al., Stamford. Filed by Jennifer M. Jason, Hartford, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 176 Fairfield Ave., Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $505,000, dated February 2008. Filed June 24.

Howell, Irene T., Stratford. Filed by Paul Lewis Otzel, Milford, for Nationstar Mortgage L.L.C., Lewisville, Texas. Property: 170 West Ave., Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $202,400, dated November 2006. Filed June 24.

Kerridge, Yvonne, et al., Stratford. Filed by Adrienne Roach, Hartford, for Real Estate Mortgage Network Inc., River Edge, N.J. Property: 281 Swanson Ave., Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $246,184, dated June 2010. Filed June 26.

Jakymec, Diane, et al., Brookfield. Filed by Kenneth J. Pollock, Hartford, for The Bank of New York Mellon, trustee, New York City. Property: 21 Dairy Farm Drive, Brookfield. Action: to foreclose a delinquent mortgage in the original principal amount of $399,999, dated May 2005. Filed June 24.

Krajnak, Lenka and Igor Krajnak, Fairfield. Filed by Adrienne Roach, Hartford, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 89 Round Hill Road, Fairfield. Action: to foreclose a delinquent mortgage in the original principal amount of $26,500, dated February 2008. Filed June 25.

Lazerenza, Richard D., et al., Stamford. Filed by Lloyd S. Lowinger, Avon, for Wells Fargo Bank N.A., Frederick, Md. Property: 8 Schuyler Ave., Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $580,000, dated October 2002. Filed June 25. Love, Tinika and Reginald Love, et al., Bridgeport. Filed by Valerie A. Finney, Farmington, for Hudson City Savings Bank, Yonkers, N.Y. Property: 133 Hillcrest Road, Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $276,000, dated December 2006. Filed June 26. Lulgjuraj, Dijela, et al., Stamford. Filed by Thomas P. Banas, Stamford, for Stamford Water Pollution Control Authority, Stamford. Property: 10 Cummings Ave., Stamford. Action: to foreclose on a sewer use lien. Filed June 26. Maldonado, Josephine, et al., Stratford. Filed by Paul Lewis Otzel, Milford, for Nationstar Mortgage L.L.C., Lewisville, Texas. Property: 265 Carol Road, Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $206,400, dated January 2007. Filed June 24. Marino, Carmine and Leonidas Aloupis, et al., Stamford. Filed by Richard Lewis, Stamford, for First County Bank, Stamford. Property: 71 Lawton Ave., Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $244,000, dated March 2006. Filed June 21. Marino, Carmine and Leonidas Aloupis, et al., Stamford. Filed by Richard Lewis, Stamford, for First County Bank, Stamford. Property: 71 Lawton Ave., Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $244,000, dated September 2005. Filed June 21. Maurer, Joann M. and Robert W. Maurer, et al., Newtown. Filed by Sonja J. Straub, Farmington, for U.S Bank N.A., trustee, Salt Lake City, Utah. Property: 14 Bryan Lane, Newtown. Action: to foreclose a delinquent mortgage in the original principal amount of $640,000, dated February 2006. Filed June 25. McDonald, Jeannie Calcano, et al., Stamford. Filed by Thomas P. Banas, Stamford, for Stamford Water Pollution Control Authority, Stamford. Property: 39 to 41 Limerick St., Stamford. Action: to foreclose on a sewer use lien. Filed June 19.

McGrath, Rosemarie and Martin McGrath, et al., New Fairfield. Filed by Erik Loftus, East Hartford, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 99 Pine Hill Road, New Fairfield. Action: to foreclose a delinquent mortgage in the original principal amount of $275,000, dated July 2003. Filed June 26. Melnick, Mary Helen Hiza and Joseph P. Melnick; and Paul W. Melnick Sr., Fairfield. Filed by Sonja J. Straub, Farmington, for Quicken Loans Inc., Livonia, Mich. Property: 101 Turney Road, Fairfield. Action: to foreclose a delinquent mortgage in the original principal amount of $407,100, dated February 2012. Filed June 27.

Mora, Obdulo, Ridgefield. Filed by Adrienne Roach, Hartford, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 10 Stebbins Close, Ridgefield. Action: to foreclose a delinquent mortgage in the original principal amount of $100,000, dated March 2006. Filed June 24. Nash, Timothy D., et al., Danbury. Filed by Alan P. Rosenberg, West Hartford, for Crown Court Condominium Association Inc., Danbury. Property: 333 Crown Court, Danbury. Action: to foreclose on unpaid common assessments. Filed June 24.

Newhouse, Kimberly L., Administrator of the estate of Michael J. Newhouse, et al., Stamford. Filed by Sonja J. Straub, Farmington, for CitiMortgage Inc., O’Fallon, Mo. Mendiratta, Tarun; Annette Property: 112 Fourth St., Stamford. Hunter, Kamlesh Mendiratta and Action: to foreclose a delinquent Lachhman Mendiratta, Weston. mortgage in the original principal Filed by Sonja J. Straub, Farming- amount of $404,000, dated Decemton, for JPMorgan Chase Bank ber 2010. Filed June 21. N.A., Columbus, Ohio. Property: 85 Lords Highway East, Weston. Action: to foreclose a delinquent Nichols, Peter and Sean D. Welch, mortgage in the original principal et al., Bridgeport. Filed by Adrienne amount of $982,500, dated July Roach, Hartford, for Wells Fargo Bank N.A., Frederick, Md. Prop2002. Filed June 26. erty: 1000 to 1002 Maplewood Ave., Bridgeport. Action: to foreclose a Miranda, Roxana V. and Ivan Mi- delinquent mortgage in the original randa, et al., Stratford. Filed by Paul principal amount of $213,316, dated Lewis Otzel, Milford, for Nationstar November 2004. Filed June 26. Mortgage L.L.C., Lewisville, Texas. Property: 1269 Elm St., Stratford. Action: to foreclose a delinquent Nuzzolo, Frank, et al., Stratford. mortgage in the original principal Filed by Dyan M. Kozaczka, Oramount of $269,950, dated Novem- ange, for Oronoque Village Condominium Association Inc., Stratford. ber 2009. Filed June 24. Property: 232 Boxelder Lane, Stratford. Action: to foreclose on unpaid Molnar, Scott A., et al., Bridgeport. common charges and assessments. Filed by Joshua Pedreira, Hartford, Filed June 28. for U.S Bank N.A., trustee, Salt Lake City, Utah. Property: 462 to 464 Poplar St., Bridgeport. Action: Ondy, Gail D., et al., Bridgeport. to foreclose a delinquent mortgage Filed by Adrienne Roach, Hartford, in the original principal amount of for U.S Bank N.A., trustee, Salt $270,000, dated August 2006. Filed Lake City, Utah. Property: 12 Lance Circle, Unit 12, Bridgeport. Action: June 27. to foreclose a delinquent mortgage in the original principal amount of Moore, Sharon; and Pauline and $172,500, dated April 2007. Filed Milton Young, et al., Bridgeport. June 27. Filed by Adrienne Roach, Hartford, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 144 Cedar Patel, Shash V., et al., Bridgeport. St., Bridgeport. Action: to foreclose a Filed by Jeffrey M. Knickerbocker, delinquent mortgage in the original Hartford, for Bank of America principal amount of $160,000, dated N.A., Charlotte, N.C. Property: 28C Enid St., Unit 24, Bridgeport. December 2004. Filed June 26. Action: to foreclose a delinquent mortgage in the original principal Mora, Maria and Lorena P. Gal- amount of $56,250, dated April lego, Bridgeport. Filed by Valerie A. 2004. Filed June 25. Finney, Farmington, for Wells Fargo Bank N.A., Frederick, Md. Property: 250D Louisiana Ave., Unit 188, Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $137,740, dated November 2005. Filed June 27.

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of July 15, 2013 25

on the record Pensanti, Rebecca, et al., Stratford. Filed by Jennifer M. Jason, Hartford, for Citimortgage Inc., O’Fallon, Mo. Property: 50 Evelyn St., Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $185,000, dated November 2005. Filed June 24. Perez, Rosa D. and Larry Rodriguez, et al., Danbury. Filed by Erik Loftus, East Hartford, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 25-1 Fairview Drive, Danbury. Action: to foreclose a delinquent mortgage in the original principal amount of $101,850, dated August 2002. Filed June 24. Philpot, Joan, Ridgefield. Filed by Gregg A. Brauneisen, Danbury, for Fox Hill Ridgefield Condominium Association Section III Inc., Ridgefield. Property: 11 Outpost Lane, Ridgefield. Action: to foreclose a statutory lien on this unit. Filed June 24. Ramirez, Vilma E. and Luis E. Orozco, et al., Bridgeport. Filed by Loren M. Bisberg, Farmington, for CitiMortgage Inc., O’Fallon, Mo. Property: 680 Thorme St., Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $238,525, dated July 2008. Filed June 27. Reekie, Karen Lee and Michael Reekie, et al., Stratford. Filed by Joshua Pedreira, Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 259 Reeds Lane, Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $274,050, dated July 2008. Filed June 26. Reid, Roger, Bridgeport. Filed by Jennifer M. Jason, Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 108 to 110 Denver Ave., Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $132,800, dated January 2008. Filed June 25. Reyes, Celine, and Isabel and Ricardo Reyes, et al., Bridgeport. Filed by Erik Loftus, East Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 131 Fox St., Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $196,650, dated November 2004. Filed June 27. Ridabock, Zoe A., et al., Weston. Filed by Adrienne Roach, Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 12 Spruce Hill Road, Weston. Action: to foreclose a delinquent mortgage in the original principal amount of $476,250, dated August 2005. Filed June 27.

Rivera, Ada R., et al., Bridgeport. Filed by Sonja J. Straub, Farmington, for HSBC Mortgage Services Inc., Fort Mill, S.C. Property: 105K Tremont Ave., Unit 10, Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $153,000, dated August 2005. Filed June 27. Rizzi, Stephen E., et al., Stratford. Filed by John P. Fahey, Farmington, for Nationwide Advantage Mortgage Co., Des Moines, Iowa. Property: 295 Freeman Ave., Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $195,000, dated July 2003. Filed June 26. Robitaille, Diane J. and Robert D. Robitaille, et al., Stratford. Filed by Adrienne Roach, Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 974 Broad St., Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $454,000, dated April 2008. Filed June 28. Rodgriguez, Eddie, et al., Bridgeport. Filed by Thomas P. Banas, Stamford, for Rivers Edge Condominium Association of Bridgeport Inc., Bridgeport. Property: 2612 North Ave., Unit C4, Bridgeport. Action: to foreclose a lien held by the plaintiff, against real property. Filed June 26. Sakowicz, Charles M., et al., Stratford. Filed by Kristen Boyle, Hartford, for Green Tree Servicing L.L.C., Rapid City, S.D. Property: 55 Woodend Road, Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $96,000, dated February 2005. Filed June 27. Saltzan, Lee J., Newtown. Filed by Joshua Pedreira, Hartford, for U.S Bank N.A., trustee, Salt Lake City, Utah. Property: 27 Pole Bridge Road, Newtown. Action: to foreclose a delinquent mortgage in the original principal amount of $150,000, dated January 2006. Filed June 24. Simon, Allan C., et al., Stamford. Filed by William W. Ward, Stamford, for One Strawberry Hill Association Inc., Stamford. Property: 1 Strawberry Hill, Unit 6D, Stamford. Action: to foreclose a lien held by the plaintiff, against real property. Filed June 19.

Solhem, Deborah A., et al., Stratford. Filed by Kristen Boyle, Hartford, for Bank of America N.A., Charlotte, N.C. Property: 85 Stoneybrook Road, Stratford. Action: to foreclose a delinquent mortgage in the original principal amount of $175,595, dated January 2007. Filed June 28. Torres, Maribel and Antonio Torres, et al., Bridgeport. Filed by Amy L. Harrison, Farmington, for Wells Fargo Bank N.A., Frederick, Md. Property: 180 Daniels Ave., Bridgeport. Action: to foreclose a delinquent mortgage in the original principal amount of $231,369, dated June 2007. Filed June 25. Toundjian, Isabelle and Patrick Tremblay, et al., Stamford. Filed by Amy L. Harrison, Farmington, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 239 Briar Brae Road, Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $840,000, dated November 2003. Filed June 26. Tufano-Flores, Carol A., et al., Stratford. Filed by Christopher J. Smedick, Milford, for town of Stratford. Property: 2491 Broadbridge Ave., Stratford. Action: to foreclose past due tax and sewer use liens. Filed June 26. Urrata, Joan Somers Ross and Jonas Joseph McAlarney, et al., Stamford. Filed by John P. Regan, Stamford, for the city of Stamford. Property: 61 Seaview Ave., Unit D39, Stamford. Action: to foreclose tax liens levied by the city of Stamford. Filed June 24. Weisel, Hope R. and Michael N. Weisel, et al., Stamford. Filed by Carmina K. Tessitore, Stamford, for JPMorgan Chase Bank N.A., Columbus, Ohio. Property: 96 Lawrence Hill Road, Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $416,000, dated September 2003. Filed June 25. White, Crystal, Westport. Filed by Jeffrey M. Knickerbocker, Hartford, for Wells Fargo Bank N.A., Frederick, Md. Property: 229 Lansdowne, Westport. Action: to foreclose a delinquent mortgage in the original principal amount of $400,000, dated September 2005. Filed June 27.

Wolf, Kristen B., et al., Bethel. Filed by Kenneth J. Pollock, Hartford, for Smith, Margaret L. (estate), et al., Wells Fargo Bank N.A., Frederick, Bridgeport. Filed by Jeffrey M. Knick- Md. Property: 39 E. Main St., Unit erbocker, Hartford, for Wells Fargo 3-4, Bethel. Action: to foreclose a Bank N.A., Frederick, Md. Property: delinquent mortgage in the original 1144 and 1154 Huntington Turn- principal amount of $114,750, dated pike, Bridgeport. Action: to foreclose July 2007. Filed June 24. a delinquent mortgage in the original principal amount of $480,000, dated November 2006. Filed June 26.

26 Week of July 15, 2013 • FairField County Business Journal

Wood, Alissa and Greg Wood, et al., Westport. Filed by Kristen Boyle, Hartford, for Deutsche Bank National Trust, trustee, Los Angeles, Calif. Property: 28 Long Lots Road, Westport. Action: to foreclose a delinquent mortgage in the original principal amount of $780,000, dated June 2006. Filed June 24. Woodfine, Bridget and Kenneth F. Woodfine, Fairfield. Filed by Amy L. Harrison, Farmington, for U.S Bank N.A., trustee, Salt Lake City, Utah. Property: 109 Youngstown Toad, Fairfield. Action: to foreclose a delinquent mortgage in the original principal amount of $382,000, dated August 2005. Filed June 27. Wright, Allison and Robert J. Wright Jr.; and Robert J. Wright Sr., Bridgeport. Filed by Marsha S. Beckford, Bridgeport, for Park Royal of Bridgeport Condominium Association Inc., Bridgeport. Property: 2600 Park Ave., Unit 7P, Bridgeport. Action: to foreclose a statutory lien on this unit. Filed June 27. Young, Audrey M., et al., Stamford. Filed by Amy L. Harrison, Farmington, for The Bank of New York Mellon, trustee, New York City. Property: 142 to 146 Cold Spring Road, Unit 5, Stamford. Action: to foreclose a delinquent mortgage in the original principal amount of $266,250, dated August 2003. Filed June 20. Zeoli, Kathryn P., Westport. Filed by Amy L. Harrison, Farmington, for Wells Fargo Bank N.A., Frederick, Md. Property: 28 Oak St., Westport. Action: to foreclose a delinquent mortgage in the original principal amount of $720,000, dated August 2007. Filed June 25.

MORTGAGES

COMMERCIAL 191 Summer Street L.L.C., Roslyn, N.Y., by Louis Silverman. Lender: Signature Bank, Melville, N.Y. Property: 191 Summer St., Stamford. Amount: $1.5 million. Filed June 19. 336 to 352 Elm Street L.L.C., Greenwich, by Malcolm S. Pray Jr. Lender: First Bank of Greenwich, Cos Cob. Property: 336 to 352 Elm St. and 3 Elm Court, Stamford. Amount: $1.6 million. Filed June 25. CKW L.L.C., Stamford, by Waldemar Zaleski. Lender: First County Bank, Stamford. Property: 655 Atlantic St., Stamford. Amount: $402,500. Filed June 27.

DDL Solutions L.L.C., Bethel, by Donald and Douglas Lutz. Lender: Webster Bank, Waterbury. Property: 49 and 51 Grassy Plain St., Bethel. Amount: $525,000. Filed June 24. E W Batista Family L.P., Newtown, by Eduardo C. Batista. Lender: Union Savings Bank N.A., Danbury. Property: 395 and 397 Main St., Danbury. Amount: $609,000. Filed June 24. Marclaire L.L.C., Stamford, by Paulo C. Callari. Lender: First County Bank, Stamford. Property: 1259 E. Main St., Stamford. Amount: $795,549. Filed June 26. Merkos Linyonei Chinuch Inc., Stamford, by Yisrael Deren. Lender: The Spilka Foundation, Wilmington, Del. Property: 57 Revonah Ave., Stamford. Amount: $500,000. Filed June 20.

NEW BUSINESSES 3D Seafood, 1 Woods Way, New Fairfield 06812, c/o Daniel M. Molino. Filed June 28. Airport R US, 18 Lexington Ave., Norwalk 06854, c/o Donnie R. Sellers Sr. Filed June 28. ALA Weatherization L.L.C., 109 Tresser Blvd., Apt. 12G, Stamford 06901, c/o Eli Katz. Filed June 24. American Litho, 96 Toll House Lane, Fairfield 06825, c/o Barbara and Lionel Ketchian. Filed June 25. Arredondo Holdings, 35 Filed Point Circle, Greenwich 06830, c/o Carlos A. Arredondo. Filed June 25. BTB Sports Corp., 15 Naromake Ave., Norwalk 06854, c/o 724 Myrtle Corp. Filed June 18. CAF Enterprises, 3851 Main St., Suite 205, Bridgeport 06606, c/o Christopher Frazao. Filed June 27. Capers & Cookery, 5 Florel Heights Road, Newtown 06470, c/o Mario Borchetta. Filed June 26. Carlo Appoloni Catering & Events, 103 Danbury Road, Ridgefield 06877, c/o Carlo Appoloni. Filed June 27. CKG Consulting, 2832 North St., Fairfield 06824, c/o Cynthia Glover. Filed June 21. Crown Fried Chicken, 1421 Fairfield Ave., Bridgeport 06605, c/o 1421 Fairfield Corp. Filed June 20.

CT Homes and Commercial, 298 Henry Ave., Stratford 06614, c/o Annette Thor. Filed June 24. Curtis Streuli Architect, 13 Honey Hill Road, Norwalk 06851, c/o Curtis Streuli. Filed June 25.

NEW LIQUOR LICENSES Connecticut Distributors Inc., 333 Lordship Blvd, Stratford 06615, c/o CT out of State Shipper Liquors. Filed June 24. New England Wine & Spirits, 590 Danbury Road, Ridgefield 06877, c/o Lana M. Moskowitz. Filed June 25.

PATENTS Automated assembly of a complex document based on production constraints. Patent no. 8,479,091 Arlene J. Buck, Webster, N.Y.; Javier A. Morales, Irondequoit, N.Y.; and Michael E. Farrell, Ontario, N.Y. Assigned to Xerox Corp., Norwalk. Fixing devices for fixing marking material to a web with contact pre-heating of web and marking material and methods of fixing marking material to a web. Patent no. 8,478,178 issued to Anthony S. Condello, Webster, N.Y.; and Dale R. Mashtare, Bloomfield, N.Y. Assigned to Xerox Corp., Norwalk. Limited ozone generator transfer device. Patent no. 8,478,173 issued to Gerald Daloia, Webster, N.Y.; Michael Doody, Manchester, N.Y.; and Daniel Barroso, Webster, N.Y. Assigned to Xerox Corp., Norwalk. Methods, apparatus and systems for fuser assembly power control. Patent no. 8,478,153 issued to Augusto E. Barton, Webster, N.Y.; Jeffrey Nyyssonen, Swing, Rochester, N.Y.; Faming Li, Penfield, N.Y.; and Daniel J. McVeigh, Webster, N.Y. Assigned to Xerox Corp., Norwalk.

+this Week’s

eleCtroniC reCords seCtion Contains:

20 more Commercial Building Permits on Westfaironline.com. 128 more Residential Building Permits on Westfaironline.com. 197 more Residential Deeds on Westfaironline.com. 30 more Judgments on Westfaironline.com. 60 more New Businesses on Westfaironline.com.

Business ConneCtions Issues & PolIcIes

HealtHcare 2014

Connecticut’s Changing Tax Arena

Fact vs Fiction: Can I Be Penalized?

“

learer, more consistent, and more forthcoming in the guidance we give taxpayers” is how Kevin Sullivan, commissioner of Connecticut’s Department of Revenue Services (DRS), sums up his agency’s new approach to doing business.

Under the Affordable Care Act employer shared responsibility provision, employers with 50 or more full-time equivalent employees (large employers) may be subject to penalties beginning in 2015 if they fail to offer their full-time eligible employees minimum essential coverage that is affordable and meets a minimum actuarial value of at least 60%.

In his opening remarks at CBIA’s 2013 Connecticut Tax Conference, the commissioner outlined the agency’s plans to “beef up the role of taxpayer services” beyond tax collection and enforcement. Beginning this fall, he said, DRS is: f Establishing a statewide advisory council that meets quarterly with payroll processors, merchants, and diverse stakeholders to solicit input into tax policies and processes f Conducting regular outreach throughout the state, participating in meetings of business organizations and chambers of commerce, “not [operating] in isolation in Hartford.” f Organizing an editorial board to review all DRS print and digital communications—including questionnaires, Earned Income Tax Credit forms, sales tax forms, and other commonly used publications— and adopting a “plain language” approach to taxpayer communications

and taxes for construction, manufacturing, and services and a plenary session on the state’s changing tax arena.

Small employers, those with fewer than 50 or more full-time equivalent employees, are exempt from these penalties.

Attorneys Alan Lieberman and Ryan Leichsenring of Shipman & Goodwin led the plenary session, which covered key outcomes of the 2013 Connecticut General Assembly, including:

If a large employer fails to offer coverage to at least 95% of full-time employees and a full-time eligible employee obtains coverage through the state exchange and receives a subsidy for the purchase of the coverage, the employer is subject to a penalty equal to $2,000 times the total of all full-time employees after the first 30 are subtracted.

f Significantly higher penalties for failing to secure or renew sales tax permits f Extension of the corporation business tax f Sales tax collection liability for drop shipments

f Undergoing agency-wide training in plain-language communication

f New withholdings for employees residing or performing services outside the state

The department, said Sullivan, aims to “not simply lower the hammer but work with individuals and businesses to find their way back” to compliance.

f Limitations and moratoriums on certain existing tax credits

Intervening earlier to help businesses is one strategy DRS is adopting, as is taking on the role of “not just call takers, but call resolvers.” The conference featured breakout sessions on sales

f Effective dates for expanded or liberalized tax credits f Extensive changes to property tax requirements

If a large employer fails to offer minimum essential coverage or coverage that is unaffordable, and a full-time eligible employee obtains coverage through the state exchange and receives a subsidy for the purchase of the coverage, the employer is subject to a penalty equal to the lesser of $3,000 per subsidized employee or $2,000 times the total of all full-time employees after the first 30 are subtracted. ➤ Read more at cbia.com/healthcare2014