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FAIRFIELD COUNTY

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

September 30, 2013 | VOL. 49, No. 39

CFO SPOTLIGHT

FCBJ this week SPARE A BUCK? Credit eases, but those seeking loans are wary … 9

THE POWER OF SHEER NUMBERS

C

TAKE A SEAT Benches are only part of the livable community equation … 11 STARTING FROM SCRATCH A fire’s consequences go on and on … 15

WE DON’T SLEEP WE DON’T SLACK NORWALK! NORWALK! NORWALK!

NEWSMAKERS Achievers and achievements that matter … 24

MEDIA PARTNER

Tad Diesel with his collection of ceremonial groundbreaking shovels.

THE CITY SHAKES OFF THE RECESSION

By Bill fallon bfallon@westfairinc.com

TAKING A LEFT TURN OFF bustling Main Avenue in Norwalk and then a quick right up Creeping Hemlock Drive, Tad Diesel, the city’s director of business development and marketing, offered a dichotomous take on Norwalk.

“Behind us is six million square feet of

office space,” he said. “Here, immediately, you feel like you’re in the middle of New England.”

The car wended past Cobblers Lane. “This could be Vermont. And so much of Norwalk is like that — you leave a very commercial zone and end up in New England. It’s a wonderful mix of city and town.” He pointed to the harbor and said, “It could be Gloucester.”

Diesel has promoted business in Norwalk » Norwalk, page 12

+

19

EYE, EYE, EYE, EYE...

ompany financial officers are the keepers of spreadsheets and the lords of lockboxes. They bear bad news, but are the first to know when things are looking up.

To recognize Fairfield County’s best, Westfair Communications Inc., hosts with sponsors TD Bank and McGladrey, the second annual CFO of Year Awards Oct. 2 at Hotel Zero Degrees in Norwalk.

From a pool of 14 nominees that were vetted, judges will announce three winners representing small, medium and large companies.

Last year’s winners included Babcock & King’s Brian Feidt; Bigelow Tea’s Donald Janezic Jr.; and Oni Chukwu, then CFO of Triple Point Technology.

AND THE NOMINEES ARE: Paul J. Brody is CFO of Interactive Brokers Group Inc. in Greenwich.

Brody is responsible for finance and banking relationships, clearing, accounting, financial compliance, credit, and internal administration, as well as certain aspects of new product development spanning the group’s businesses in North America, Europe and the Far East. Prior to joining the group, Brody spent five years with Mocatta Metals Corp., an international commodities trading firm. He received a B.A. in economics with distinction from Cornell University in 1982. » CFO, page 6

ToEfforts grow, perchance to prosper to boost businesses are paying off

By Jennifer Bissell jbissell@westfairinc.com

M

embers of the Business Council of Fairfield Council might blush at the thought of how far removed they were from the entrepreneurial community a few years ago. But today the council is a key player in the state’s Innovation Ecosystem, now call CTNEXT. This month marks the first-year anniversary of the council’s Growth Company Advisory Services, a program that helps startups essentially speed up by connecting them with service providers, funding and mentoring for strategic planning.

“The Business Council knew little about what was actually happening with startups,” said Chris Bruhl, CEO of the Business Council, reflecting on when the General Assembly first started to pass job growth initiatives in 2011. “But the go-

CEOs Bret Bader, Dell Hines, Peyman Zamani and Manish Chowdhary represent their companies at a showcase in Stamford.

Welcome to the Winners Circle The Fairfield County Business Journal is introducing a biweekly feature called Winners Circle that will take a look at the top women business executives and top attorneys, men and women, in the region.

The articles will delve into the successes of those who have made significant impact in their respective business spheres.

Was there a strategy for advance-

ment or was it hard work and sheer determination and maybe a bit of luck that propelled them to the top of their game?

What does it take to argue a case and win the verdict?

Find out in the Winners Circle.

If you have a candidate to be profiled, please contact Bill Fallon at bfallon@westfairinc.com.

2 Week of September 30, 2013 • Fairfield County Business Journal

forth-and-learn mantra was instilled and two years later, we’re happy to say that we’re deeply engaged.”

Partnering with CT Next, the Department of Economic and Community Development and Connecticut Innovations, the council’s advisory services supported 21 rapidly growing companies in the first year. Through the program, nine companies have gained access to $2.9 million in funding; 11 were referred to other services programs; and four companies found mentors. The total 21 companies created 24 full-time jobs.

In a growth company showcase at the Landmark Square Conference Center in Stamford Sept. 24, four executives from companies involved in the program expressed their gratitude to the council and to Gary Breitbart, director of the Growth Company Advisory Services.

Bret Bader, CEO of Owlstone Inc. in Norwalk, personally thanked Breitbart for helping him refine and present his message. Owlstone specializes in chemical sensing and detection technology, which could be used within science labs, defense markets and hospitals. The company received a $150,000 grant from Connecticut Innovations, the state’s quasi-public funding entity designed to help grow companies in the state. Bader said his company is on track to grow its revenue by 50 percent to 100 percent annually through 2015. Currently he employs 45 people.

Likewise, Dell Hines, CEO of Q-Bank Group in Greenwich, said the advisory services gave him a chance to step back

and think strategically.

“So often it’s easy to have tunnel vision,” Hines said. “It was great to partner with a strategic adviser.”

Q-Bank specializes in commercializing intellectual property for businesses and others looking to get a deeper insight into their constituents. The firm holds over 40 IP assets and collaborates with universities such as Oxford and Harvard.

Hines said the group has secured $1 million in Small Business Innovation Research funding and other grants from sources like the U.S. Department of Defense.

While each of the companies is off to a strong start, the CEOs’ lists of needs were lengthy.

The next step for Peyman Zamani, CEO of Logicbroker Inc. in Shelton, is no small task. He said he needs more employees, investors and customers for his e-commerce supply chain software.

Through the advisory services he was able to connect with researchers at the University of Connecticut and secure $1.6 million in funding from Connecticut Innovations.

“For the first time I feel being in Connecticut is an advantage,” said Manish Chowdhary, CEO of GoEcart in Bridgeport. “It’s really a great feeling. I’ve had tremendous support from CT NEXT.” But moving forward, Chowdhary said his needs include improving employee retention and attracting top talent. GoEcart is an all-in-one e-commerce suite that helps companies manage orders, inventory, marketing and warehouse space.

More than horsing around Horse-powered economic stimulus

By Georgette Gouveia ggouveia@westfairinc.com

H

ow popular is the American Gold Cup CSI4*-W, a World Cup qualifying equestrian event contested recently at Old Salem Farm just across the Connecticut border in North Salem, N.Y.?

Almost 38 percent of the 45 vendors, hailing from around the country, were first-time participants and their presence was noticed.

Organizers pegged the event’s regional economic infusion at $6 million.

Or put it another way, said Mark Ward-Willis, brand specialist for Danbury Audi: The car dealership’s tent used to be pitched up by the main brick and wood stable with a cluster of other vendors.

This year, Danbury Audi was spread out on the field not far from the equestrian action.

The dealership was joined by such high-end suspects as Beval Saddlery Ltd.; Jim Dratfield’s Petography; Equestrian Services International L.L.C.; French luxury goods maker Hermès; The Mainline Fence & Supply Corp.; and Stronghold Equine Equipment.

It is a measure of the event’s prestige that it now attracts businesses that have nothing to do with the equine industry, but are interested in showcasing their high-end products. Among the firsttimers was Sorab & Roshi, the elegant Greenwich jewelry store profiled in WAG, the Business Journal’s sister publication.

Another newcomer was Erez Ancient Coin Jewelry of Berkeley, Calif., whose antique offerings at modern prices ($150$3,600) had at least a tangential relationship to the day. Many of the pieces featured Alexander the Great, whose black stallion, Bucephalus, by reputation would have more than matched the field of 36 international entries.

Under peekaboo sunshine, 4,234 spectators saw Brianne Goutal trot off with the $200,000 cup aboard Nice De Prissey. Tracy Fenney and her mount MTM Timon took second while Beezie Madden and Coral Reef Via Volo finished third.

Organized by Stadium Jumping, presented by Suncast and broadcast on NBC, the Gold Cup was estimated to add some $6 million to the coffers of Westchester and Fairfield counties.

A rider prepares for the American Gold Cup competition. Photograph by Bob Rozycki.

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013

3

PERSPECTIVES

FAIRFIELD COUNTY

BUSINESS JOURNAL

It’s time to support Obamacare

By Maura Carley

I

am a small business owner in Fairfield County and Access Health CT Board Member. I was delighted to be asked to write a piece on Obamacare. I am writing as a public health professional and not in my capacity as a board member for Access Health CT. My 35-year health care career is varied. I have a master’s degree in public health from Yale University, worked as a hospital administrator, then as an insurance executive and later founded Health care Navigation, a health insurance consulting and advocacy firm. We do not sell insurance products. I was recently appointed to the Access Health CT Board, Connecticut’s Insurance Marketplace under Obamacare. I was nominated and appointed by Republicans even though I am a Democrat. It is an honor to serve.

The board and staff are talented, impressive and committed.

I also published a book in 2012, “Health Insurance: Navigating Traps and Gaps,” so my opinions about Obamacare, both positive and negative, are well documented.

We should be cheering the fact that on Oct. 1, individual health insurance policies will begin to be issued for Jan. 1without regard to pre-existing conditions.

This is true reform. Today, in 45 of our 50 states, including Connecticut, you can’t just buy individual insurance. Insurance companies can deny your application even for relatively minor health issues.

We have dealt with people who were denied coverage because they were in the midst of a divorce and taking a drug for depression, receiving physical therapy for an injury from which total recovery is expected, were modestly overweight with well-controlled arthritis, or seeing a therapist. Last year a healthy client was denied insurance because she had an eye aneurysm which had been repaired by a laser procedure, but the insurer felt the procedure was too recent.

Connecticut established the Connecticut Health Reinsurance Association (HRA) in 1975, to provide insurance to individuals denied insur-

ance. But HRA premiums are over $2,200/month for a 60-year-old male and over $1,000 per month for females under 30. Few can afford them.

Because most Americans have group coverage through an employer, we tend to be ignorant about individual insurance. This is ironic since many events beyond our control can foist us off that group coverage. We can be laid off, our children turn 26, a spouse can die, retire or divorce us. Obamacare will help many people losing coverage through no fault of their own.

Obamacare requires individuals to have insurance in 2014 or pay a penalty.

The penalties are initially low starting at $95 a year for an individual. A concern is that young, healthy people will pay the penalty rather than buy coverage. That is a concern because if only sick people buy insurance, premiums could one day be high like the HRA. But in addition to giving each state the option of expanding Medicaid, Obamacare includes tax credits for lower-income individuals to obtain coverage as long as it is purchased through the state’s marketplace, Access Health CT. Both supporters and detractors of Obamacare have made ridiculous claims about how it will play out. Plainly we can’t know until it has been operational for several years and given a chance to succeed.

Expanding benefits has typically led to higher medical costs resulting in higher premiums and hence more uninsured.

This was a major concern when the act was passed, but quite remarkably, health care inflation has dropped to historically low levels since 2011. No one knows why, but it is an enormously welcome trend.

Obamacare requires businesses employing 50 or more full-time equivalent employees to offer coverage, although penalties have been delayed for a year.

This requirement negatively affects many employers, particularly those industries employing lower-wage workers. Affording health care coverage is a vexing problem for most businesses. As a small employer, Health care Navigation is exempt from Obamacare’s requirements, but employees have always been covered. Yet I’ll never forget our first employee. After

4 Week of September 30, 2013 • FairField County Business Journal

COBRA ended, her husband would not qualify for individual coverage, which he needed. We obtained group coverage, but even seven years ago the annual premiums for them were almost $20,000.

Health care affordability is a national problem we have to address for the sake of our economy and future. We risk failure if businesses convert full-time jobs to part-time jobs to avoid providing coverage.

Obamacare will likely remain controversial because it is complex and raises taxes to fund entitlement benefits. Nevertheless, it is difficult to understand the extreme, irrational negativity expressed by some. Covering more Americans in a fairer manner is a good thing.

There are approximately 340,000 people in Connecticut who are uninsured. That is roughly 10 percent of our population as compared to 16 percent nationally, but 340,000 uninsured people should be unacceptable. History has shown that it won’t be easy to cover more Americans while improving coverage affordability, but not trying shouldn’t be a choice.

We have a tremendous opportunity to be a model for the nation in Connecticut.

Connecticut has built an Insurance Marketplace that will open in October to individuals and small businesses for Jan. 1enrollment. There will be problems and glitches, but give it a chance. Later this fall, I’ll be shopping for small group insurance through the marketplace at accesshealthct.com. Please go to the site and check it out yourself.

Maura Carley can be reached at mcarley@healthcarenavigation.com

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013

5

CFO — » » From page 1

Eugene Colucci is senior vice president and CFO of Greenwich Hospital.

Colucci controls a $326 million annual operating budget for the hospital and its affiliated divisions. He worked with the CEO in the process that resulted in the alignment with Yale New Haven Health System. He then assumed the additional role of vice president with Yale New Haven Health. Colucci had prior served as CFO and controller of Mount Vernon Hospital in Mount Vernon, N.Y. He has a bachelor’s degree from Niagara University and an MBA from St. John’s University in New York.

He and his wife Elizabeth have two sons and reside in Scarsdale, N.Y. Rona ld K. Holbert is senior vice president, treasurer and CFO at First County Bank.

Holbert controls all activities related to fiscal management, budgetary planning, general accounting, financial and tax reporting and investment management.

He also performs all corporate duties of treasurer. Holbert earned a BS in business administration from West Virginia University in 1978. He skis in the winter and umpires Little League baseball in the summer. He lives in Stamford with his wife. They have two children.

M i c h a e l Kramberg is the CFO and managing director of business affairs at the Stamford Jewish Community Center.

He has both hands-on and supervisory responsibility for the areas of accounting and financial analysis, human resources and building operations. Kramberg is a 30-year veteran of the Jewish Community Center movement. Prior to his arrival in Stamford he spent 21 years at the country’s premier JCC, New York’s 92nd Street Y. He earned a BS degree in financial operations from the City University of New York. Born and raised in Queens, N.Y., he moved to Stamford this past year.

Carol Miller is CFO and comptroller of Integrated Medical Centers L.L.C. and i m e d c e n t e r. c o m L.L.C. in Fairfield.

With more than 30 years of progressive health care finance and strategy experience, Miller is responsible for: oversight of patient financial services; maximizing cash flow consistent with sound credit and collection policies while maintaining good rapport with the community; financial reporting with detailed analysis of financial statements and variances from budget; and audits of financial statements and internal controls. She received a BA in accounting from the University of Bridgeport.

Dona ld J. Morrissey is executive vice president and CFO of Aquarion Water Co. Morrissey oversees all aspects of Aquarion’s financial management, strategic and financial planning, rates and regulation programs and risk management. He helped lead Aquarion’s recent acquisition of United Water Connecticut.

He has an MBA in finance and international business from NYU’s Stern School of Business, and a B.S. in accounting from the University of Connecticut. He and his family reside in Newtown.

Saeed Nasiri is CFO of Greenwich Hospitality Group.

While overseeing financial and operational aspects of the current portfolio, Nasiri performs property evaluation and analysis for potential acquisitions. He has more than 30 years of experience working in independent and chain hotels in Fort Lauderdale, Miami, Houston, New York and Connecticut. He is “a hands-on, detailoriented hospitality executive, proficient in various aspects of operations, sales and marketing, human resources, finance and project development.”

He has an MBA in finance from the University of Bridgeport.

Lori Pasqualini is chief financial and administrative officer for Ability Beyond Disability Inc. in Bethel.

Pasqualini is responsible for all

6 Week of September 30, 2013 • Fairfield County Business Journal

fiscal responsibilities ranging from strategic financial planning, capital planning, maintaining banking and lending relationships, and managing government funding supporting Ability Beyond. Prior to joining the organization, she worked in the health care practice of Deloitte and Touche as an auditor in Boston, and also at Bridgeport Hospital as the director of reimbursement. Her undergraduate degree is in economics from Southern Connecticut State University.

Kevin Patti is CFO for Penske Automotive Group.

Mercedes-Benz of Greenwich, Mercedes-Benz of Fairfield, Audi of Fairfield, Porsche of Fairfield, Smart of Fairfield, Fairfield Collision Center, Honda of Danbury and Connecticut Management Co., comprise the group with $400 million in revenue. Patti’s responsibilities include 24 direct reports, monthly closing processes and all reports to the corporate office.

He has a Bachelor of Business Administration in accounting from the University of Rhode Island. He and his wife, Janet, have two children.

Doug Polistena is CFO of The Amber Room in Danbury.

Since joining the Amber Room, Polistena has personally worked on and completed more than 700 events, including major galas, weddings, bat and bar mitzvahs and corporate functions. Today, Polistena is the director of sales with a primary responsibility for event planning and corporate finance management at Evia Inc. and ARC Properties. A graduate of Marist College in Poughkeepsie, N.Y., he applied his degrees in marketing and financial management to a career in hospitality, a field he entered in 1997.

James Sidwa is CFO of Capital Pa r t ners in Greenwich.

Sidwa manages investor relations, capital raising, financial reporting, audit, tax, treasury, internal controls, SEC compliance and reporting, corporate governance, risk management, information technology, benefits and facilities. Prior to joining Capital Partners, Sidwa worked

at PricewaterhouseCoopers where he provided financial due-diligence consulting services to private equity and corporate buyers and sellers.

He earned his B.S. in accounting at the University of Connecticut in Storrs and is a certified public accountant.

Risa Vine is CFO of Carmel Academy in Greenwich.

Since joining the Carmel Academy senior management team in 2009, Vine has focused on implementing financial structures and controls to assist the school in reaching its “long-term strategic mission to become the premier Jewish day school in lower Fairfield County.” She graduated from Brandeis University with a B.S. in economics. Vine started her career in New York City as a controller at Manufacturers Hanover. Vine later transitioned to the not-for-profit private school industry, working for 14 years at Ezra Academy in New Haven. She lives in Fairfield with her husband and three children.

Alan Webber is CFO and chief operating officer of M.H. DiScala and Co. in Norwalk.

Webber specializes in securing debt and equity financing, analyzing assets and buying and selling real estate assets. He operates the firm under “an innovative strategy” to maximize client real estate investment yields and cash flow through effective and efficient management. Webber earned his degree from the University of Delaware and spent his earlier years in the commercial lending and brokerage fields.

For more information and to reserve a space, contact Holly DeBartolo at (914) 358-0743.

Child poverty rate remains high

CASH MANAGEMENT solutions

Improve

county’s East and wEst offEr diffErEnt snapsHots

By Jennifer Bissell jbissell@westfairinc.com

T

he percentage of children living in poverty in Connecticut has increased 2.2 percent in the last four years, according to new U.S. Census data.

Nearly 10 years ago, state officials hoped to see the child poverty rate closer to 5 percent by now. But in the most recent American Community Survey data release, the percentage of Connecticut children living in poverty in 2012 was up to 14.8 percent.

“It’s a serious concern for the state as a whole,” said Mary Pat C. Healy, executive director of the Bridgeport Child Advocacy Coalition. “Poverty has an impact on everything: health, education, access to healthy foods and future income.”

As the economy continues to improve, experts hope the number of children in poverty will decrease.

However between 2011 and 2012, when unemployment did lessen, there was no statistically significant decrease in the number of children in poverty in the state.

Roughly 40 percent of Bridgeport children live in poverty, Healy said, as it is a more urban and diverse area. The rate of poverty there is more than three times that of Fairfield County. About 11 percent of Fairfield County children lived in poverty in 2012.

“We’re in a region that has incredible wealth, but too many of our families are struggling,” Healy said. “In a fragile economy, like we’re in, things are not improving as fast as we want to see ... There might be improvements in the economy in other parts of the state.

But in a city like Bridgeport, it is much more difficult.”

The Bridgeport Child Advocacy Coalition is a research advocacy group committed to the wellbeing of children.

In 2004, the state Legislature established the Child Poverty and Prevention Council with the goal of reducing child poverty to 5 percent in 2014. But with the recession and slow grow-back period, officials doubt the council will meet the state mandate. The child poverty rate was at 10.8 percent in 2003, the

YOUR CASH FLOW.

CONNECTICUT CHILD POVERTY RATE Geographic area

2012

2008

Connecticut

14.8

12.5

Fairfield County

11

10.2

Hartford County

17.2

15.4

Litchfield County

7.2

4.9

Middlesex County

6.6

7.1

New Haven County

21.5

15.7

New London County

13.6

7.2

Tolland County

6.6

9.3

Windham County

16

19.3

* Data from 2012 American Community Survey

baseline year for the mandate.

“We are concerned about the rate of child poverty,” said Anne Foley, chairwoman of the child poverty council.

“But it’s reflective of what’s going on nationally. Things aren’t only getting worse here.”

Connecticut historically has had one of the lowest child-poverty rates in the country and it is still below the nationwide average of 15.9 percent. Plus, Foley said, the 2012 Census data is based on 2011 incomes, which may not yet reflect recent policy initiatives by Gov. Dannel P. Malloy.

Since 2011, Malloy has enacted several recommendations put forward by the council, Foley said. The state has started an earned income tax credit program for low-income families, increased supportive and affordable housing units, placed higher emphasis on early child education and created several job initiatives through the Jobs Act. But there’s always more that we can do, Foley said. In light of recent legislation passed by the U.S. House of Representatives that would significantly scale back food stamps, Foley stressed the importance of continuing support for programs that help needy families.

“Our studies show that getting more people on food stamps, not less, is one of the best ways to get people out of poverty, as it stabilizes their food source,” Foley said. “We hope things turn around in the future.”

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of September 30, 2013

7

State loses 6,000 jobs in August Construction posts gains; losses for finance

BY JENNIFER BISSELL jbissell@westfairinc.com

T

he latest jobs report shows Connecticut lost 6,000 jobs in August, bringing the total number of people employed down to 1,654,000 people.

Private-sector job growth was strong with 2,300 jobs added during the month, according to the Connecticut Department of Labor. However, losses in local government, which were expected after a late school year, resulted in an overall decline. Roughly 7,500 local government jobs were eliminated in August.

The report marks the first month of job losses since March. In July the state added 11,500 jobs.

The streak may be broken, but Peter M. Gioia, an economist with the Connecticut Business & Industry Association, said the state’s employment outlook remains positive.

“The underlying message was more positive than (the overall numbers) would imply,” Gioia said in a release, mentioning the growth in private-sec-

ever, declined by 2,200 jobs.

Since August 2012, nonfarm employment has increased 0.9 percent, or by 15,400 jobs.

With the latest data, about 51 percent of the 121,200 jobs lost during the recession have been recovered.

Despite the loss in jobs last month, the unemployment rate remained at 8.1 percent. While the U.S. unemployment rate stands at 7.3 percent, Connecticut’s rate has fluctuated between 8 percent and 8.1 percent since the beginning of the year.

The number of people employed in Danbury did not change, while the Bridgeport, Stamford and Norwalk region lost 1,100 jobs. Hartford lost the most jobs this month (2,500), while Waterbury added the most with 500 Construction workers on the site of the new Stamford Hospital. Construction and mining added 1,700 jobs in August, the most jobs. of any sector.

Connecticut was just one of two states to have statistically significant job losses tor jobs. “Unfortunately, we do still see led by growth in the construction and in August, according to a report from the weakness in financial services and that’s mining industries, which collectively U.S. Department of Labor. Georgia lost a concern going forward.” added 1,700 jobs. the most, cutting 16,100 jobs, while New Within the private sector, six of the 10 Jobs within the finance, insurance York added the most statistically signifimajor industries saw job gains in August, and professional services sector, how- cant amount, with 30,400 jobs.

COMING this FALL

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WOMEN WHO MADE

If you or your firm is interested in framing an article or award from our newspaper or obtaining a reprint

THE GREATEST IMPACT IN 2013

of a particular story

You can be part of this celebration by nominating women from Westchester and Fairfield counties who have had an impact on business or their communities.

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

FOR MORE INFORMATION OR TO MAKE A NOMINATION, CONTACT HOLLY DEBARTOLO AT (914) 358-0743.

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8 Week of September 30, 2013 • Fairfield County Business Journal

Please contact

Pssst — want a loan?

Credit arrives; borrowing dips

By Bill Fallon bfallon@westfairinc.com

C

all it the uncertainty factor.

With the recession receding and indicators pointing toward recovery on the national and state levels, banks are loosening their purse strings and credit is back in the business equation.

But that news, part of a 2Q survey by the Connecticut Business and Industry Association and Farmington Bank, runs smack into another reality: Demand for credit between April and June fell 3 percent.

“That’s really an indication of the continued uncertainty surrounding the state’s economic recovery,” CBIA economist Peter Gioia said in a written statement upon the study’s recent release.

Among those who took out new loans in 2Q, operating costs gobbled the biggest share of loans, 24 percent. Just 9 percent took out a loan to expand a physical footprint.

The “Second Quarter 2013 CBIA/ Farmington Bank Credit Availability Survey” was emailed to about 1,900 Connecticut businesses in July. A total 171 responded, making for a 9 percent response rate and a margin of error of plus or minus 7.6 percent.

The survey revealed credit availability for businesses hit a five-year high through the first six months of the year. Demand for credit among the state’s businesses, however, fell 3 percent from 1Q, with 26 percent of those surveyed indicating they sought financing in the April-June timeframe.

“While we’ve seen modest gains in jobs and capital investment, that hasn’t been of a scope we would expect from a strong, sustained recovery,” Gioia said.

The Farmington Bank Credit Availability Index (FBCAI) hit a five-year high in the second quarter, jumping 10 points from the first three months of the year to 45.2 points.

The FBCAI’s future expectations component, which measures credit availability three-to-six months from now, improved to 43.4 points, or almost seven index points higher than the previous quarter.

“There’s every indication that credit conditions remain in an upward trend and look to remain favorable heading into the second half of the year,” said John Patrick, president and CEO of Farmington Bank.

Some 22 percent of respondents rated current credit conditions as either good

or excellent in the most recent survey, a 5 percent jump over the first quarter, while 52 percent said the credit conditions were average.

“It appears that most area businesses are securing the credit they need for longrun growth,” said Don Klepper-Smith, chief economist and director of research at DataCorePartners, the New Havenbased research firm that managed survey

data. “The wild card in all of this is health care reform, which is likely to impose higher costs on Connecticut businesses, implying greater demand for credit. It will be interesting to see how this all unfolds over the next year.”

Of those who sought financing, 46 percent were seeking less than $100,000, while 38 percent sought $100,000$500,000.

Eight percent of respondents sought financing in excess of $1 million, a one percentage point increase over the previous quarter.

About one-quarter (24 percent) said they needed financing for working capital, while 15 percent planned machinery or equipment purchases, and 9 percent wanted to expand existing plant or office space.

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013

9

Aggressive bond use could double job growth Debt service factors in state caution

BY JENNIFER BISSELL jbissell@westfairinc.com

I

f the administration of Gov. Dannel P. Malloy more aggressively tapped into its $6 billion stockpile of approved but unissued bonds, it could double or even triple the rate of job growth, according to economists at the University of Connecticut.

Since 2010, the number of unissued bonds has grown from $3 billion to $6 billion, according to the latest outlook

by UConn’s Connecticut Center for Economic Analysis (CCEA). And with matching federal funds, that means there is about $8 billion available in potential capital expenditures.

“There’s a whole lot there that they’re just not using,” said Peter Gunther, a CCEA senior research fellow. “That could be used for additional stimulus, but it doesn’t seem to be in the pipeline.”

Connecticut’s economic recovery has been sluggish and it is one of few states not to have climbed back to its 2007 income levels. Many people who have returned to work are working in lowerpaid positions. But CCEA economists say

reening es.

an accelerated recovery is possible, especially with expanded bond funding.

As of August, about 1,654,000 people were employed in Connecticut, according to the state Department of Labor.

Based on low but rising interest rates, that number is expected to jump by 9,000

benefit might not be immediate, possibly resulting in the need for higher taxes or cuts in public services.

“While it is certainly true that large capital projects are sometimes delayed for any number of technical, legal or logistical reasons, I am not aware of any instance in which the administration has intentionally cancelled or delayed for “I am troubled by the implicit assumption that the state financial reasons,” Barnes said.

Though Carstensen had not officially could complete billions of dollars worth of infrastructure received the letter as of publication, he told the Business Journal he has reason development in a year or less if we only had the to believe bond issuances have been temerity to issue all those bonds at once.” delayed. He said he plans to continue — Secretary of State Benjamin Barnes investigating the claims, making a call for further government transparency. jobs in 2014, according to CCEA forecasts. construction, but there is no magic butAsking about colon cancer test- New initiatives such as Open But with expanded use of bonds, it could ton that will make all these projects get Connecticut have increased the availabilingright isn't always easy. The jump by as much as 31,000 jobs. done away.” ity of state budget information online.

In response to the CCEA report, Barnes, alsoCancer the state’sSociety budget direcAmerican can However, specific information about Secretary of State Benjamin Barnes said tor, continued, saying there were conse- bonds and other economic develophelp. toCall us anytime, or ment policies are still hard to access, he believes the state is using its bonds quences borrowing much moreday money appropriately and at an aggressive rate. all at once.atFor every billion dollars We in Carstensen said. night, 1-800-ACS-2345.

It takes time, he said, to plan, design, bid outstanding debt, the state must pay $100 “Good government needs accountcan tell you more aboutInthe and build. million in annual debt service. the ability and transparency,” Carstensen “I am troubled by the implicit assump- long term,offer there would still be an overall said. “We only get accountability with tests, tips on talking with tion that the state could complete bil- growth and spike in tax revenues. But the transparency.”

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lions of dollars worth of infrastructure development in a year or less if we only had the temerity to issue all those bonds at once,” Barnes wrote to CCEA director Fred Carstensen in a letter forwarded to the Business Journal. “We have more to do to improve the state’s ability to deliver

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Towns address senior needs A need to look 20 years down the line

BY JENNIFER BISSELL jbissell@westfairinc.com

A

s the state continues to pursue initiatives to keep seniors at home and out of nursing homes, municipalities are starting to prepare for an older population.

Whether it’s cutting out curbs for wheelchairs or placing more benches along the street, the state’s towns are looking for ways to be a part of the national livable communities and complete streets movements.

“We know that older adults really want to be able to age in their homes and in their communities,” said Julia Evans Starr, executive director of the state Commission on Aging. “Now we have to figure out what the community readiness of this is. What are ways we can help them prepare and embrace the opportunity, rather than look at it as a challenge?”

Gov. Dannel P. Malloy released a strategic plan to rebalance the state’s long-term care in June so more seniors and disabled adults could avoid prolonged stays at hospitals and nursing homes. With a $13 million state investment and $72.8 million in federal funding, Malloy said he believes the plan would improve residents’ quality of life and reduce expenses. Home care costs less than $300 a day, while a hospital stay can cost thousands of dollars a day, according to some estimates.

The Legislature also asked the Commission on Aging to create a livable communities initiative to report best practices and serve as a resources for community leaders redesigning their towns so residents can age in place. Some towns are already enacting detailed plans, while others haven’t even begun discussing future policies. The commission’s report is due in January.

“There’s so many components of livable community but it’s about the services and availability of services,” said Deborah Migneault, the commission’s legislative and community liaison. “There’s going to be more and more people in their homes. The question is how do we get them engaged in their communities and not isolated in their homes?”

Part of that means making towns more pedestrian friendly and moving away from a car culture, according to the commission. Older adults are less likely to drive, but they still need to go to the grocery store and the pharmacy.

With an eye to the future, New Canaan is already well on its way to creating its “livable community.” In 2010, the town’s

Health and Human Services Department began looking 20 years out, creating a detailed study and plan to cater to an aging population.

James Lisher, chairman of the town’s HHS department, said more work needs to be done securing more affordable senior housing. But in addition adding 22 new benches along major walkways, the town also developed a senior transportation service and has begun investing in

at-home technology to help seniors manage their health.

“New Canaan has always been very good about taking care of its seniors,” Lisher said. “This is an expensive place to hang around as a senior. So we want to make sure it is as pleasant and workable as we can.”

Volunteers with the town’s Getabout transportation service drove 10,000 trips in 2012, taking seniors and disabled adults to stores, banks, community centers and

friends’ homes. Now the town is testing iPad software and equipment to measure seniors’ vitals to avoid costly home visits from nurses. During the first round of testing, 15 of the 20 testing participants maintained or enhanced their health and 15 seniors also lost two to 20 pounds.

“This is a terrific place to grow up and grow old,” Lisher said, paraphrasing the livable communities mantra. “We’re really lucky here.”

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 9/23/13 30, 2013 11 4:15 PM

Norwalk — » From page 1

as a city employee for eight years. In that time, pictures both big and little emerge. He points out what is new and what was refurbished at the Pepperidge Farm headquarters at 595 Westport Ave. And he points out a favorite pizza restaurant, Fat Cat Pie Co. at 9-11 Wall St. In between, it is difficult to find a field of view without a big construction project, notably downtown where the mixed-use formula gravitates toward living on upper floors and offices, retail and restaurants on the ground floor.

The city’s population — about 85,000 — continues to grow steadily and unemployment at 6.6 percent is trending down.

(State unemployment is 8.1 percent.)

Diesel acknowledged, however, “Norwalk was just like everyplace else six years ago — we got creamed. My opinion is we suffered a five-year setback. Now, with

developments — Spinnaker, Waypointe and Avalon Bay Communities — we’re seeing residential development taking off.

Everything in the city center is designated ‘smart’ and ‘mixed use.’”

Diesel himself lives in the oldest house in town, a wood-frame, centralchimney true Colonial dating to the 17th century.

Diesel also waxed enthusiastic about commercial development. Cruising past the glistening Merritt 7 office park, he praised “responsible commercial management” with whom he works to attract and keep businesses. “Big and small, we’re quietly growing like crazy,” he said.

Other cities wrestle with aging office parks, but a tour of the Northrop Grumman campus revealed unexpected success in that arena — a wireless telecom company and a major tour operator are already tenants — even as Northrop Grumman maintains a presence in the site, called Norden Park. So-called “managed hosting provider” Cervalis is moving

STOP

into 170,000 square feet there, a move that required corporate, utility and civic efforts.

In another repurposing success, the SONO Ice House skating facility on Wilson Avenue remade the Nash Engineering headquarters, which was classified “long vacant.” It opened one year ago and includes a regulation-size rink and a smaller training rink. Adjacent is the SONO Marketplace, a cooperative of more than 80 food, craft and art merchants together under a single roof.

“It’s the mix of attributes that makes Norwalk special,” Diesel said. “Our location is superb. We’re at the confluence — if I could use a nautical term — of major highways like Route 7, I-95, the Merritt.

We have the Long Island Sound; it’s not only an amenity, it’s a real part of the economy.”

Another selling point is quality of life.

Twenty-five years ago Oyster Shell Park, which is being surrounded by mixed-use developments, was the city trash facil-

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12 Week of September 30, 2013 • FairField County Business Journal

BUSINESS BUSINESS JOURNAL JOURNAL

ity. Strollers and joggers rule there now and the water quality is such that ducks make the ultimate reclamation statement.

Beyond aesthetics and green space, the park filters stormwater runoff from nearby I-95. In an aside, Diesel calls the park “Susan’s Park” for its senior project manager, Susan Sweitzer. “She took what was a dump and made it one of my favorite places.”

Other “quality-of-life” stops of Diesel’s auto tour included the Children’s Museum and nearby Mathews Mansion. He called Mathews Park “our Central Park.”

Other city attributes that Diesel cites include: • Fewer than 15 companies in Norwalk, including educational and government entities, employ more than 500 people.

The vast majority of Norwalk companies are small, agile and entrepreneurial.

No single industry sector dominates the employment market or the real estate market, which enables a community to be resilient in times of economic stress.

• Corporate neighbors include GE Commercial Finance and GE Capital, Hewitt Associates, Xerox, Diageo, Virgin Atlantic Airways and Fact Set. The city is Connecticut’s largest oyster producer and home to the nation’s largest oyster company, Tallmadge Brothers. The headquarters of Stew Leonard’s, “the World’s Largest Dairy Store,” is in Norwalk.

• New developments will offer 800,000 square feet of retail space, more than a thousand new homes, 700,000 square feet of offices and a new full service hotel. More than 2,000 new residential units — 500 of which are under construction — will be added once development is completed.

• The Norwalk Planning and Zoning Office issued 1,505 permits during the fiscal year ended June 30, 19 percent above the 10 year average and more than any other year during the last decade. August 2013, constituted the 23rd consecutive month in which the number of permits exceeded the 20-year average.

The city’s development sticking point could be the old downtown, “the traditional Northeast Main Street of the 1950s” that, practically by formula, deteriorated in nearly every city. “We didn’t avoid the residential community moving from Wall Street,” Diesel said. “It’s among our most important projects and our most difficult to be sure.” He said a planned automated parking garage will be a boon; like other Main Streets, parking is problematic.

As for the bigger city down the road, Diesel said, “Stamford has the advantage of proximity to New York and more commercial space. Norwalk has the advantage of price.”

Ridgefield tones up A ‘model’ approach to health

We’ve Been Helping Businesses Grow for Over 80 Years

By Bill Fallon bfallon@westfairinc.com

I

f a goal of getting in shape is to look like a model, Fitness by Sami at 90 Grove St. in Ridgefield has a toned leg up on the competition.

Principal Sami Torrealba was once the face and body of trendy FJ Jeans.

His health career includes stints at clubs in Ridgefield, Stamford and New York City. Prior to the 2008 Walt Disney Co.’s World Marathon in Florida, he was a pre-race masseuse for competitors.

Torrealba arrived in the U.S. from his native Venezuela when he was 12.

Venezuela has endured continued communist vs. anticommunist strife for decades. “Political tyranny” drove his family to the U.S., he said.

The fitness studio offers customized personal training.

“What makes Fitness by Sami unique is that we customize exercise programs with or without equipment that means clients can train in our studio or in their own homes,” Torrealba said. “Whatever is more convenient. We also offer nutritional consultations and lifestyle guidance. We help clients get fit

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He also offers “in-your-home” training.

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The relationship’s new name rollout was Sept. 25 at The Oakdale Theater in Wallingford, where the newly renamed office is headquartered. Prudential Connecticut was already an affiliate of HomeServices of America, a Berkshire Hathaway affiliate.

“The launch of Berkshire Hathaway HomeServices and the transition of Prudential Connecticut Realty mark a positive milestone for the U.S. real estate industry,” said spokesperson Patricia Tuma in a prepared statement. “The

new company is a sign of financial commitment to the real estate industry and investment to bring exceptional services and tools to brokers, agents and customers, including a new technology-operating platform with synergized management capabilities.”

The company serves the full spectrum of homebuyers and sellers, including firsttimers, new construction, investment, waterfront properties, unique properties and luxury homes. The former Prudential Connecticut-named office said in a statement it “sets the standard of professional service through honesty, integrity and commitment to its customers.”

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westfaironline.com FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013 13

ask andi

By anDi Gray

Building and retaining a company culture

i have a group of new employees who have a lot of potential to make a difference in the company. for many of them, this is their first real job out of college. How do i get them off on the right foot and make sure they’re adding to, not taking away from, the culture and work ethic we’ve worked so hard to establish with the rest of our employees?

THOUGHTS OF THE DAY: New employees need to learn about more than their job duties. Recent college grads bring their own set of challenges and opportunities. Building a culture is all about conveying to every employee what the company stands for. What does your company

stand for and how do you get that across?

It’s best to start testing for “fit” in the recruiting process and immediately carry through when onboarding new employees. Ensuring fit to culture can pay off in terms of work ethic, commitment, drive and ability to manage pay scale through above-average job satisfaction.

Think through the training program for new employees. Start with basic orientation issues such as work hours, layout of the different departments, information on where things are filed and overview of organization structure. Make time for new employees to tour each department so they can be more aware of how things fit together. Save people time by giving them information up front on how things work throughout the company.

Follow up the overview with specifics about the department they’ll be working

in and the job duties for which they’ll be accountable. Have a way to assess skill level, followed by a specific plan for skill training to fill in any knowledge gaps.

Make time for new employees to meet with peers and department heads, as they will be more likely in the future to approach people they know.

When hiring recent college grads, don’t assume that part-time jobs and internships have turned them into savvy employees. Expect them to make beginner’s mistakes as they learn to find their way in the workplace. For many entry-level employees it’s like learning to balance on a tightrope between too much initiative and not enough, taking too many risks vs. too few.

Assign someone to oversee work until you know a new employee can properly perform tasks assigned. Instead of taking

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14 Week of September 30, 2013 • FairField County Business Journal

things for granted, make time to have employees play back an explanation of what they’ve been asked to do. Make sure to clarify timeframes, rather than leaving tasks open ended. Most new employees will appreciate the structure of having a next-step list to follow, having to check in periodically with a manager and reporting regularly on progress.

While you address the basics of onboarding and training, make time to engage employees in discussions about what the company stands for. Keep in mind that every employee is an ambassador for the company. Make sure they are comfortable talking about the vision and mission of the company in as few words as possible.

Show new employees that there is a common purpose to what everyone throughout the company is engaged in doing. Bring together people of different backgrounds, religions, personal expectations, etc., by pointing them toward a common set of goals. Give purpose to the work that employees are doing by talking about how that fits into the company’s overall plans.

Start addressing fit-to-culture in the interview process. Talk with potential employees about where the company is going, the values that the company stands for and how individual employees fit into that overall set of goals and purpose.

Look for employees who are on a mission, looking to take a journey similar to the one that the company is embarked upon.

Keep in mind that it’s easy to hire employees. It is much more challenging to hold back and persist with recruiting in order to find the employee who is a “right fit” for the company. The latter strategy, recruiting for “right fit” is a group of individuals who are likely to bond together despite personal differences, work harder, persist through difficult situations, and put quality of work ahead of quantity of pay.

Looking for a good book? Try “Cultures and Organizations: Software of the Mind” by Geert Hofstede and Gert Jan Hofstede.

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 to her, via email at AskAndi@ Strate�yLeaders.com or by mail to Andi Gray, Strate�y Leaders Inc., 5 Crossways, Chappaqua, NY 10514. Visit AskAndi.com for an entire library of her articles.

Trial by fire

By JosePH MattHeWs

E

ven here in Connecticut, the news has been filled with horrific scenes of the shoreline fire in New Jersey. That, coupled with news of the house explosion in Connecticut, is a painful reminder of my own experience. For those who lost so much in the New Jersey fire, I hope that my recovery can give you some hope. And for everyone else, perhaps this tragedy will help others realize that preparing for the unexpected is a critical part of life.

On the evening of Easter a year ago, my family’s lives changed forever. We woke in the middle of the night to discover our home was engulfed in flames.

Thankfully, my family escaped with only one minor injury. We thought we had planned well for unforeseen catastrophe, but we could have done much better.

After someone suffers through a traumatic event, the first order of business after the assurance of safety is to normalize one’s life. In many ways, this can be as traumatic as the actual event itself. Because we have a tendency to take for granted all of the things critical to our day-to-day well-being, we leave ourselves exposed to the difficult task of putting the pieces to our lives back together after a disaster. By investing a moderate amount of time, we can make a bad situation easier.

The enormity of the loss became apparent almost immediately and only increased with time. One of the first questions asked by the Red Cross volunteer onsite during the fire concerned prescription drugs taken by family members. Fortunately, my wife and I were capable of answering this and several other critically important questions. It was at this moment I realized we should have created a collection of important data and stored it in a safe, easily accessible location.

With most of us affected directly or indirectly by the storms almost exactly one year ago, we certainly understand the need to be better prepared.

The Federal Emergency Management Agency website (fema.gov) lists several precautions. But as the old saying goes, it’s the things you don’t anticipate that get you.

Shortly after the fire, my wife and I spent the better part of a day shuffling between town hall and the state Motor Vehicle Department, trying to get our drivers licenses replaced. If only I had remembered where we kept our birth certificates, we could have avoided

waiting in multiple lines for hours.

The memory sticks we used to diligently back up our computers were stored in a drawer of a desk destroyed in the fire. The usernames and passwords to all of our online accounts were on these now destroyed devices. For accounts we couldn’t remember how to access, we were required to go through the laborious process of resetting logon information, one account at a time.

As you can imagine, there were even accounts we didn’t recall until a second billing notification arrived. It would have been nice if a list of all of this data were safely stored in my work office.

Two simple strategies can greatly improve how we cope with misfortune.

The first is to implement a data aggregation system. This can be done electronically by scanning important documents and storing them via cloud computing, using one of several Internet services. Another method is to use a financial services company’s electronic data access tool. Investment firms, trust companies and banks often provide clients the ability to view the accounts held at those institutions as well as thousands of others — all with a single set of login information.

The more traditional methods of saving data include the use of memory sticks or storing hard copies of documents. It is critical that these items are stored safely, leading to the second key strategy. Get a fireproof storage box or safe. If this isn’t practical, rent a bank safety deposit box. Either will allow you to keep documents and valuables safe and easily accessible.

Today, my house is rebuilt. My family is safe and all of us have a renewed appreciation of the comforts that we so often take for granted, until they are missing. While many family photos and memorabilia are gone forever, we are slowly collecting pictures from relatives and creating new memories to cherish in future.

As you can imagine — or now know firsthand — living through a catastrophic event can have a host of consequences. Through proper preparation, we can increase our ability to cope and more quickly normalize our lives.

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013 15

Ranked by number of SBA 7a loans in Connecticut during 2012.

Listed alphabetically in event of tie.

THE LIST

Fairfield County Next list: October 7 Women-Owned Businesses

SBA Lenders

SBA lenders

Rank

Ranked by number of SBA 7a loans in Connecticut during 2012 Listed alphabetically in event of tie.

Name and address • Number of branches in county Telephone number, area code: 203 (unless otherwise noted) Website

1

Webster Bank N.A.

2

First Niagara Bank N.A.

3

People's United Bank

Wells Fargo Bank N.A.

6

TD Bank N.A.

7

RBS Citizens N.A.

8

Newtown Savings Bank

9

Union Savings Bank

50

12,460,800

50

17,025,600

41

14,757,500

24

8,040,000

39

7,715,700

26

9,658,300

27

3,387,600

26

4,752,400

22

7,662,700

24

5,797,900

20

8,611,200

36

18,876,000

19

2,740,000

40

3,738,500

John F. Trentacosta 1855

16

2,809,700

25

5,614,700

Francis G. Dattalo 1866

12

1,532,500

28

4,478,600

8

1,603,400

10

2,236,500

David A. Schneider 1871/2004 (present name)

6

1,195,000

39

5,290,000

Brian T. Moynihan 1904

3

1,250,000

5

1,937,100

1

185,500

2

684,000

Chief executive officer/president Year company established

(includes loan increase fees occurring during FY 2011)

Chairman and CEO

1870

Interim president and CEO

1870 John P. Barnes President and CEO

850 Main St., Bridgeport 06604 • 65 branches 338-7001 • peoples.com

5

Number of SBA 7a loans in Connecticut FY 2011

Gary M. Crosby

726 Exchange St., Buffalo, NY 14210 • 14 branches (800) 201-6621 • firstniagra.com

JPMorgan Chase N.A.

Total approved gross SBA 7a loans in Connecticut ($) FY 2012

James C. Smith

145 Bank St., Waterbury 06702• 24 branches 578-2202 • websteronline.com

4

Total approved gross SBA 7a loans in Connecticut ($) FY 2011

Number of SBA 7a loans in Connecticut FY 2012

Armando F. Goncalves President, Southern Connecticut

1842 Jamie Dimon

270 Park Ave., New York, NY 10017 • 47 branches (212) 270-6000 • jpmorganchase.com

Chairman and CEO

1824 John G. Stumpf

101 N. Philips Ave., Sioux Falls, SD 57104 • 35 branches (605) 575-7332 • wellsfargo.com

2035 Limestone Road, Wilmington, DE 19808 • 20 branches (302) 351-4560 • tdbank.com

Chairman, president and CEO

1870

Ed Clark 1852 Ellen Alemany

1 Citizens Plaza, Providence, RI 02903 • Three branches (401) 861-0091 • citizensbank.com

39 Main St., Newtown 06470 • 14 branches 426-2563 • nsbonline.com

225 Main St., Danbury, 06810 • 14 branches 830-4200 • unionsavings.com

head, RBS Americas and CEO, RBS Citizens Financial Group

1828/2004 (RBS Citizens N.A.)

10

Savings Bank of Danbury

Gary Hawley

220 Main St., Danbury 06810• 14 branches 743-3849 • sbdanbury.com

Vice chairman

11

Fairfield County Bank

12

Bank of America N.A.

13

Citibank N.A.

150 Danbury Road, Ridgefield 06877 • 20 branches 438-6518 • fairfieldcountybank.com

101 N. Tryon St., Charlotte, NC 28202 • 52 branches (800) 432-1000 • bankofamerica.com

1849

Michael L. Corbat CEO

701 E. 60th Street North, Sioux Falls, SD 57104 • 19 branches (605) 906-6100 • online.citibank.com

William Mills CEO, North America

1812

Questions or comments, call (914) 694-3600, ext. 3005.

Source: Data from the U.S. Small Business Administration, sba.gov; reflects quarterly data as reported to the SBA during the 2012 fiscal year ending on Sept. 30, 2012.

Information for the number of branches is current as of September 2013 and was obtained from the Federal Deposit Insurance Corp. website fdic.gov.

Although the data obtained from these sources is consistently reliable, its accuracy and comprehensiveness cannot be guaranteed.

THE WEEKLY LIST IS NOW AVAILABLE BY DIGITAL SUBSCRIPTION. Go to westfaironline.com/buy/the-lists/ for more information and to view a sample.

16 Week of September 30, 2013 • Fairfield County Business Journal

NEWS IN BRIEF

XEROX SIGNS ON WITH HEALTHYCT

If you’re still not sure what Xerox Corp. does beyond copy machines, here’s another example.

Xerox will be managing and processing benefit claims for HealthyCT, the state’s new nonprofit health insurance company, set to launch Oct. 1 on the Access Health CT insurance exchange.

Each year Xerox processes 563 million government health program claims.

Now they’ll be expanding their technology to service HealthyCT and other consumer-operated and -oriented plan, or CO-OP, programs. Under the Affordable Care Act, each state with its own insurance exchange is required to offer CO-OP options.

“We have a vast footprint in health care, with more than 40 years of experience providing services to health plans of all shapes and sizes,” said Jeff Hechemy, a Xerox health care division executive, in a written statement. “Our services give health plans and CO-OPs the freedom to do more for their members, while reaping significant financial dividends under the right operating structure.”

Whereas most people still remember Xerox for its document technologies, more than 50 percent of the company’s revenue now comes from its services units. By 2017, Xerox expects its services sector to make up two-thirds of its revenue.

CLEAN TRADES PROGRAM LAUNCHES

GENERATIONAL SHIFTS EMERGE IN BUSINESS DATA

Westport-, Greenwich- and Stamfordbased U.S. Trust has issued national business owner findings from its “U.S. Trust 2013 Insights on Wealth & Worth” study.

According to the 200 U.S. high-net worth business owners who shared thoughts on running their own business-

es, a generational difference exists in the motivation behind owning a business, but widespread agreement was found on what was viewed as the biggest challenge to future growth: taxes.

Key findings included: The top reason cited for wanting to start or own their own business is the desire to control their own destiny (60 percent).

Younger business owners (54 percent of Gen X, 79 percent of Gen Y) are notably more likely than those who are older (35 percent of baby boomers) to feel that business ownership empowers them to make T:7.375 in a positive impact on society.

Business owners believe that they are more likely than people who work for someone else to be fulfilled in their work (72 percent) and create significant wealth (67 percent), provide financial security for their family (66 percent) and to create opportunities for others (58 percent).

Nearly all responding baby boomers — 95 percent — are the first generation to own their business, compared with three-quarters of younger business owners. Meantime, one-quarter (25 percent) of owners under age 49 represent the second- or third-generation owners of a family business.

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FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013 17

T:8.5 in

The Connecticut Business & Industry Association is kicking off the second year of it’s Connecticut Clean Trades Program for high school students this week.

The program gives technical high school students a hands-on introduction to careers in the energy industry. Last year students in the program assessed their schools’ energy use. This year they’ll be creating energy-saving solutions for school administrators and bringing their ideas out into the community to facilitate more energy reduction projects.

Technical schools in Danbury, Milford, New Britain and Norwich are participating in the program, which is still in its pilot phase.

Partnering organizations include the Connecticut Department of Energy and Environmental Protection, Energize Connecticut, Connecticut Light & Power and United Illuminating.

DEEP Commissioner Daniel C. esty said the partnership with the schools will make a major impact on the state’s ability to fill green technology jobs with qualified workers.

“Our goal has been to ensure that the people of Connecticut get lowercost energy, become more energy effi-

cient and become leaders in the push toward a clean energy future,” Esty said in a release. “It’s imperative, then, that we help students understand and prepare for the opportunities created by this fastgrowing workforce need.”

BE PART OF THE FIRST

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18 Week of September 30, 2013 • Fairfield County Business Journal

SPECIAL REPORT

ELDER CARE

At war with vision loss a pionEEr’s lasEr-guidEd QuEst for bEttEr EyEsigHt

By Bill fallon bfallon@westfairinc.com

A

recent conversation with Dr. Eric Donnenfeld revealed we are all united in three things at least: death and taxes, for which he offered no input across a one-hour conversation, and diminished sight after a certain age, roughly 45 years old, for which he offered a world of information and cutting-edge help.

Donnenfeld is president of the 10,000-member American Society of Cataract and Refractive Surgeons; professor of ophthalmology at New York University; founding partner of Ophthalmic Consultants of Connecticut in Fairfield and medical director for TLC Laser Eye Centers, also in Fairfield. In 1989, while practicing in midtown Manhattan, he was among the first five surgeons globally to treat eye problems with light amplification by stimulated emission of radiation, the laser.

In the last three years, Donnenfeld has begun using lasers to operate on cataracts. As with his plunge into lasers 25 years ago, he was among the first in the world to remove cataracts with lasers. He now performs 500 such procedures per year. “It removes the variables,” he said.

“Everything is digitized. Everything is more precise. Everything is more exact.

Therefore, we can use less energy.”

The eyes broadly are divided into three parts — surface, lens and retina — and all are clouding, being infiltrated, clogging, stiffening or degenerating as part of the aging process. “One-hundred percent are affected to one degree or another,” Donnenfeld said.

Few have perfect vision beyond 50.

Presbyopia — a loss of lens elasticity — gets us, every one. New surgical treatments possess treatment potential for presbyopia, which is a combination of the microscopic muscles that manage

Dr. Eric Donnenfeld at a “Slit” machine with TLC center manager Julie Mastrianni.

the lens weakening and the lens stiffening at the same time.

“This will be a major area of growth across the next decade,” Donnenfeld said.

The ocular surface — which has no blood supply — loses moisture; aging eyelids and tear glands bear the blame. New in the arena of help for dry eye is a heated contact lens. It is coupled with gentle massage to clear the lubricating ducts on the underside of the eyelid. Donnenfeld called it “a very effective and exciting way of treating this disease.”

Drying also worsens when lacrimal (or lachrymal) glands become “infiltrated across time,” Donnenfeld said. Two types of medicine are proving effective: steroids for quick reduction of lacrimal inflammation and anti-rejection drugs of the sort pioneered for heart transplants for the long-term.

The eyelid itself — the thinnest skin on the body — is itself prone to sun-induced skin cancer, hence holistic treatment No. 2: Simple UV-eliminating sunglasses are

the eyes’ best friend. Donnenfeld also recommends his patients take a quality Omega-3 fish oil — those that feature triglycerides, which promote absorption.

“I favor the holistic approach,” he said.

“We reserve medicines for when common sense does not work.”

Below the ocular surface, the lens becomes less elastic with age and may cloud over. Treating the cloudiness — cataracts — outpaces even the common hernia in numbers of surgeries per year, 3.5 million.

The cells at the back of the eye on the retina increasingly with age avail themselves of too much blood, wet macular degeneration, or succumb to loss of photo receptors, the dry version. Macular degeneration, once untreatable, has now witnessed advances, amazingly via injections that in the last five years have shown results with the wet, more problematic, version. “It’s revolutionized treatment,” Donnenfeld said.

Pale-eyed people tend to get macular degeneration more than those with dark eyes, a function of UV light penetrating lighter irises more easily than it penetrates dark ones. But darker irises, with

their upped pigment levels, are more prone to glaucoma. As for glaucoma pressures and their treatment with medical marijuana, he said, “There are much better medicines than marijuana. They do relieve pressure, but from the perspective of someone other than myself, not as enjoyably.”

After 50, Donnenfeld said the incidence of eye disease increases dramatically. And there is no replacing early detection. Donnenfield recommends an eye exam. “Early recognition and prevention are always superior to treatment once a problem has become significant,” he said “In 25 years of laser treatments we’ve seen tremendous improvements,” he said. From the original goal to simply improve a patient’s sight, the science progressed to achieving vision sufficient to drive. Now, the goal is to leave the patient with better sight after an operation than he or she had wearing glasses before the operation.

“I’ve done 12 major league ballplayers,” Donnenfeld said. “And after the operation, they tell me they can see the seams on a curveball.”

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013 19

The ABCs of special needs trusts

By antHony J. enea

O

ften overlooked in the baby boomer medical equation is the fact that boomers are also parents and caregivers to millions of disabled children. How will parents’ aging impact the care and wellbeing of their children?

It appears little has been done to educate aging baby boomers as to what steps should be taken to provide for the future care of their disabled children. Special Needs Trusts (SNT), also known as Supplemental Needs Trusts, play an important role in the planning for a disabled child. They are generally considered to be the legal centerpiece of a plan for a disabled person.

SNTs provide for the preservation of funds permitted for a disabled person without affecting eligibility for government benefits such as Medicaid and Supplemental Security Income (SSI). Depending on the

benefits, an SNT can be utilized for food, clothing, electronics and other necessities.

Common types of SNTs include:

THIRD-PARTY SNT A third-party SNT is a trust created and funded by someone other than the disabled beneficiary (generally a parent, grandparent or sibling). The source of funds for a third-party SNT should never be from the disabled person. Any individual can fund this type of trust without affecting the beneficiary’s entitlement to government benefits. The funding of a third-party SNT by a parent also has Medicaid planning benefits for the grantor since the transfer is considered an exempt transfer; no period of ineligibility is created. A third-party SNT does not require payback to the government for benefits upon the death of the disabled person.

SELF-SETTLED SNT OR FIRST-PARTY SNT

Self-settled trusts are either funded with a disabled beneficiary’s own funds or funds to which he or she is entitled (such as personal injury award or inheritance). In order for the disabled beneficiary to establish and fund a self-settled SNT, he or she must be disabled and under the age of 65. Upon the death of the disabled beneficiary, all remaining trust principal and accumulated income must be paid back to Medicaid as reimbursement for all benefits paid during his or her lifetime.

Any funds left over may be paid to the named beneficiary of the trust.

POOLED SELF-SETTLED SNT A pooled self-settled SNT is managed by a nonprofit association. Although funds are pooled into the trust, a sepa-

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20 Week of September 30, 2013 • FairField County Business Journal

Member FDIC

rate account is established for each individual beneficiary. Beneficiaries can be of any age. If he or she is over 65 years old, however, there is a penalty period for assets transferred to the pooled trust for Medicaid nursing home benefits. These trusts are usually utilized where there is no family member to act as a trustee or when the beneficiary is over 65.

Depending on the terms of the pooled trust, the disabled person may be able to provide how the remaining balance of the account is to be distributed upon death. This would, however, be subject to a payback to Medicaid. If the balance on death is retained by the pooled trust, then Medicaid is not entitled to a payback of benefits paid.

Pooled income-only trusts play an important role when the disabled beneficiary has a fixed income that exceeds the monthly amount permitted by the Community/Home Care Medicaid program since contributing one’s excess income is permissible. The trust will pay the disabled beneficiary’s household expenses, such as mortgage, rent and taxes. The pooled trust, in many cases, allows the beneficiary to remain eligible for Medicaid home care.

SOLE-BENEFITS TRUST This type of SNT is increasingly popular. Generally speaking, a sole-benefits trust (SBT) is administered the same as a thirdparty SNT to preserve eligibility for Medicaid or SSI. The third-party parent funding the trust may also do so without incurring a transfer penalty for the purposes of his or her own eligibility for Medicaid and SSI. An SBT can be funded with a lump sum or annuity, but must be fully funded before the beneficiary reaches 21. In the situation where the beneficiary’s ability to qualify for Medicaid or SSI is not a concern, the SBT can often be administered to provide for his or her general health, education, welfare, support, maintenance and comfort. When Medicaid or SSI eligibility is a concern for the beneficiary and the third party funding the trust, neither party (nor their spouses) may act as a trustee.

For an aging baby boomer with a disabled child or grandchild, a properly drafted SNT can provide a level of comfort knowing that a significant step has been taken to ensure future care. Start the discussion early.

Anthony J. Enea is a managing member of Enea, Scanlan & Sirignano L.L.P. with of�ices in Westchester County, N.Y. He can be reached at (914) 948-1500 or aenea@ esslaw�irm.com.

By Mary K. sPenGler

Hospice is Medicare’s best-kept secret

T

he Medicare Health Care System is complex and complicated with its variety of programs, various types of coverage and forms that are often difficult to understand. One needs an advocate to assure that you can take advantage of the services that are available to you, to insist that you get the

“as medicare’s best kept secret, hospice needs to be shared with more people.”

The Medicare Hospice Benefit is available to individuals with a life-limiting illness who have decided to opt for care and comfort as a goal rather than an aggressive treatment regime.

Under this benefit, patients and families receive care from a team of trained professionals and community volunteers where you live—home, assisted living facility or a nursing home. When necessary, hospice care is provided on an inpatient basis at local hospitals.

Nurses, social workers, spiritual counselors, home health aides and volunteers visit the patient wherever they live and set up a plan of care to manage pain and other symptoms. The psycho-social needs of the family are also addressed as caring for a loved one can be a difficult and emotional time. The hospice staff is available on-call, seven

days a week, to attend to patient and family needs.

Along with the services of the team already mentioned, the Medicare Hospice Benefit pays for medications related to the illness, durable medical equipment, oxygen and medical supplies — all at no cost to the patient. The hospice team works with your own physician whose services you keep under this benefit. Also, you can continue to seek care for other conditions that are not related to the hospice diagnosis.

It is a rare example of the health care system at its best. A benefit that is all encompassing in its payment, that cares for the totality of the patient and family, that doesn’t interfere with the relationship with between physician and patient and cares for you where you live.

As Medicare’s best kept secret, hospice needs to be shared with more people. Hospice is not a place, but a comprehensive health care service offered to anyone with any life-limiting diagnosis.

These services enable people to live as fully and comfortably as possible in familiar surroundings. The sooner you call, the sooner hospice can help.

Mary K. Spengler, MS, is executive director of White Plains, N.Y.-based Hospice & Palliative Care of Westchester, which provides comprehensive end-oflife care to people with any life-limiting illness.

care you deserve and to facilitate payment for that care.

In this midst of all the Medicare gaps, co-pays and deductibles, there is one program funded by Medicare that is relatively simple to understand, covers the continuum of care from home to hospital and pays for medications and durable medical equipment.

Moreover, the program is holistic in nature, caring for the physical, social, psychological and spiritual welfare of the patient. And while other services provided under Medicare are limited to care of the patient only, this service is mandated to care for the family as well.

It is hospice care as funded under the Medicare Hospice Benefit.

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013 21

City Lights organizes autumn events as it approaches its 10th anniversary, city lights organizes its autumn Events: “cars and cannoli” and bridgeport art trail, including the art of chuck close at Housatonic museum of art. on saturday, oct. 26, city lights and the downtown special services district of bridgeport will block off the streets surrounding mclevy green for “cars & cannoli,’” the annual italian-flavored classic and custom car show. a reception for “art of the street” graffiti exhibit is scheduled for friday oct.

4, at the gallery space in downtown bridgeport. bridgeport’s city wide open studios and receptions are scheduled for the fourth annual bridgeport art trail during veteran’s day weekend, thursday to sunday, nov. 7-10. the bridgeport art trail recognizes the artist and creatives who live and make art in the city. a focus this year is the role the arts play in education and the artists as mentor. the thursday night kick-off event will include an exhibit at Housatonic museum of art featuring the work of chuck close, artist/mentor to roosevelt school students, participants in turnaround arts, an initiative sponsored by the president’s committee on the arts and the Humanities. student artwork will also be on view. “art saved my life,” says close who overcame the obstacles that impeded his learning. He received his mfa from yale in 1964. His works include large-scale portraits of paul simon, lou reed and barack obama and can be found in museums and collections around the world. in 2000, close received the national medal of the arts from president clinton. city lights thanks robbin Zella of Housatonic museum of art and the bridgeport arts and cultural council for collaborating on this event. preview reception plans with chuck close nov. 7 are in formulation. information will be posted on the bridgeport art trail website. the schedule of open studios, demos, music, poetry and dance will be updated on bridgeport-art-trail.org city lights is a community-based nonprofit arts organization receiving support from the national Endowment for the arts, ct office of the arts, the city of bridgeport, fairfield county community foundation, people’s united bank, pitney bowes and alpha community services. for more inforomation, citylightsgallery.org Suzanne Kachmar Director, City Lights Gallery 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

POPULAR FUNDRAISER RETURNS WITH A NEW FORMAT the popular fundraising art sale and event for collectors and enthusiasts returns to silvermine arts center, located in new canaan. returning for the 12th year, signed, sealed & delivered is a popular fundraising event, which will have an exciting new format this year, appealing to all art admirers, whether you are beginning or expanding your collection. the fundraising event will be held saturday, oct. 5, 5-7 p.m., with wine and hors d’oeuvres at $35 per person. signed, sealed & delivered is a wonderful opportunity to purchase original works of art by silvermine guild artists, school of art faculty and invited internationally known artists. now patrons will have two ways to collect: in addition to the original 4” x 6” paintings, prints, photographs and collages, new this year will be original 10” x 10” art works. the 10” x 10” works of art on wood panels will be raffled during the evening, with raffle tickets at $100. raffle tickets will be drawn one at a time and patrons will then pick one of the 10” x10” artworks in order of number selected. at the end of the raffle, all remaining pieces will be available for purchase at $200 each. this fundraising event will only be on saturday and all proceeds from the event will benefit gallery exhibitions and programs at silvermine. all purchases are tax free during this event.

for more information and to purchase advanced tickets, call (203) 966-9700, ext. 22, or visit the arts center website at silvermineart.org.

BEETHOVEN AND A LITTLE BUBBLY place at the palace theatre, at 5:30 p.m. oct. 5- 6, the stamford symphony, under followed by the all-beethoven opening the direction of maestro Eckart preu, opens night concert. the evening concludes with its 2013-’14 season with an all-beethoven more bubbly at a post-concert dessert opening weekend, featuring the iconic reception. being honored is steven c. composer’s beloved “prometheus overture, parrish, a member and former chairman of symphony no. 7” and “piano concerto no. the symphony’s board of directors. parrish 1,” with alon goldstein on piano. Heralded will be presented with the prestigious as “simply profound” by the washington conductor’s baton award on stage at the post, goldstein graduated from the palace theatre by stamford symphony peabody conservatory where he studied music director Eckart preu. with leon flesher. He made his orchestral for tickets, call 325-1407, ext. 10, or debut at age 18 with the israel philharmonic Eckart Preu, conductor of the Stamford Symphony at the Palace Theatre. email office@stamfordsymphony.org. the under the baton of the legendary Zubin stamford symphony aspires to build a mehta. goldstein is known for his technical prowess, his musical intelligence and most of all his dynamic lifelong appreciation of classical music among all populations of stamford and its neighboring communities. performances are personality. the evening will begin with cocktails (bubbly!) and a dinner held at stamford’s palace theatre, a classic vaudeville beauty to benefit the stamford symphony. the celebration will take that offers modern amenities in a setting of vintage elegance.

Visit FCBuzz.org for more information on events and how to get listed.

22 Week of September 30, 2013 • FairField County Business Journal

Presented by: Cultural Alliance of Fairfield County

FAIRFIELD COUNTY

BUSINESS JOURNAL BuilDinG PerMits

commerciaL Autobuilders General Contractors, contractor for 187 Kings Highway L.L.C. Perform external renovations at an existing commercial building, Lexus of Westport, 187 Kings Highway Cutoff, Fairfield. Estimated cost: $160,000. Filed Sept. 10.

Camsan Inc., contractor for 103 Atlantic L.L.C. Fit-out an existing commercial building for Footgear, 103 Atlantic St., Stamford. Estimated cost: $25,000. Filed Sept. 11.

Deluca Construction, Stamford, contractor for Stamford Hospital.

Perform interior alterations at an existing commercial building, Nutritionist Office, 32 Strawberry Hill Court, Stamford. Estimated cost: $11,000. Filed Sept. 12.

Signature Construction, Stamford, contractor for Invest II. Fit-out an existing commercial building for Tumble Jungle, 111 Black Rock Turnpike, Fairfield.

Estimated cost: $178,000. Filed Sept. 10.

CT Basement Systems Inc., Stamford, contractor for David Herman. Perform interior renovations at an existing singlefamily residence, 41 Gerogian Court, Stamford. Estimated cost: $24,800. Filed Sept. 11.

CT Deck Design Inc., Stamford, Super Power Construction contractor for Anne and RobInc., Flushing, N.Y., contractor ert Chambers. Construct a new for Willett Properties L.P. Fit-out deck at an existing single-family an existing commercial build- residence, 53 Alan Lane, New ing for Nail Salon, 440 Main Canaan. Estimated cost: $25,000.

St., Ridgefield. Estimated cost: Filed Sept. 12. $150,000. Filed Sept. 11.

DeRosa Builders, contractor for Ron Kehle. Construct a new single-family residence, 64 Cedar Gate Road, Darien. Estimated residentiaL cost: $900,000. Filed Sept. 12.

Black Rock Builders L.L.C., Fairfield, contractor for Vatsala Nayak. Perform external renovations at an existing single-family residence, 174 Minuteman Road, Ridgefield. Estimated cost: $54,720. Filed Sept. 12.

Braun, Jae, contractor for Stillson L.L.C. Perform interior renovations at an existing single-family residence, 427 Stillson Road, Fairfield. Estimated cost: $3,105.

Filed Sept. 10.

Fox Hill Builders, contractor for One Ten Post Road Partners L.L.C. Fit-out an existing commercial building for Post Modern Home, 110 Boston Post Road, Darien. Estimated cost: $42,000.

Buck, Daniel, Fairfield, contracFiled Sept. 13. tor for James Groggins. Add a two-story addition and perform MP Construction L.L.C., Trum- interior additions to an existing bull, contractor for George Com- single-family residence, 14 N. fort & Sons Inc. Fit-out an exist- Bridge St., Norwalk. Estimated ing commercial building for 6 cost: $67,305. Filed Sept. 10.

High Ridge Park, Building 6, Second floor, Stamford. Estimated Burns Residence, Bridgeport. cost: $176,000. Filed Sept. 11.

Reroof an existing single-family residence, 443 Broadbridge New Haven Construction, Ave., Bridgeport. Estimated cost: New Haven, contractor for Bank $16,000. Filed Sept. 10. of America. Perform external renovations at an existing commercial building, 2091 Boston Carey, Michael, Stamford. PerAve., Bridgeport. Estimated cost: form interior alterations at a single-family residence, 4 Westmin$76,000. Filed Sept. 10. ster Road, Stamford. Estimated cost: $55,000. Filed Sepy. 11.

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

Dervil, Jean, Norwalk. Perform interior renovations at an existing single-family residence, 183 to 185 Poplar St., Bridgeport. Estimated cost: $5,200. Filed Sept. 10.

Dowd, Shawn, Stamford, Repair deck and perform interior renovations at an existing singlefamily residence, 86 Iroqouis Road, Stamford. Estimated cost: $10,000. Filed Sept. 13.

East Coast Structures L.L.C., Trumbull, contractor for Donna and Alexander Vock. Perform interior renovations at an existing single-family residence, 931 Ponus Ridge, New Canaan. Estimated cost: $150,000. Filed Sept. 10.

East Coast Structures L.L.C., Trumbull, contractor for Peyton Horn. Perform interior renovations and replace windows at an existing single-family residence, 221 Old Kings Highway North, Darien. Estimated cost: $50,000.

Filed Sept. 12.

Expert Remodelers, contractor for Roger Cyr. Perform interior renovations at an existing singlefamily residence, 40 Sedgewick Village, Darien. Estimated cost: Choplinski, Laurie and David $50,000. Filed Sept. 11.

Choplinski, Ridgefield, Rebuild and expand existing deck at a single-family residence, 15 Mary’s Finterbusch, Karl IV, SouthLane, Ridgefield. Estimated cost: bury, contractor for Rebecca Roepe and Benjamin Rosenfeld. Per$12,075. Filed Sept. 12. form interior renovations at an existing single-family residence, Chybowski, Grezegor, Stam- 72 Canterbury Lane, Ridgefield. ford. Perform interior altera- Estimated cost: $63,400. Filed tions at a single-family resi- Sept. 16. dence, 2118 Long Ridge Road, Stamford. Estimated cost: Fox Hill Builders, contractor for $65,000. Filed Sept. 11.

Livengood Residence. Construct a new single-family residence, 12 Cross Road, Darien. Estimated cost: $2.1 million. Filed Sept. 10.

Fox Hill Builders, contractor for Clover Properties. Perform interior renovations at an existing single-family residence, 71 Fitch Ave., Darien. Estimated cost: $15,000. Filed Sept. 11.

The Home Depot, contractor for Gary Greene. Replace windows at an existing single-family residence, 161 Holmes Ave., Darien.

Estimated cost: $13,000. Filed Sept. 10.

McGuire, Nancy, Stamford. Add a two-story addition and perform interior renovations to an existing single-family residence, 1639 Shippan Ave., Stamford. Estimated cost: $216,000. Filed Sept. 11.

Gillespie, Kathleen and Christopher Gillespie, Ridgefield. Perform interior renovations at an existing single-family residence, 307 Wilton Road East, Ridgefield.

Estimated cost: $23,000. Filed Sept. 16.

The Home Depot, contractor for Jian Yao. Replace windows at an existing single-family residence, 22 Overbrook, Darien. Estimated cost: $10,000. Filed Sept. 10.

Moore, Bruce, Stamford. Perform external renovations at an existing single-family residence, 89 West Trail, Stamford. Estimated cost: $48,000. Filed Sept. 13.

J. Bason Land Corp, contractor for Masako and Peter Sparks.

Golden Hill Construction, Perform interior renovations at an contractor for Mary and Doug- existing single-family residence, 91 las Munson. Strip and reroof an Half Mile Road, Darien. Estimated existing single-family residence, cost: $47,000. Filed Sept. 11.

25 S. Benson Road, Fairfield. Estimated cost: $3,300. Filed Sept. 10.

Kardamis, Dean, Bridgeport.

Perform interior renovations at Greto Contracting, White an existing single-family resiPlains, N.Y., contractor for Beth- dence, 162 Grovers Ave., Bridgeany Assembly. Perform interior port. Estimated cost: $18,000. renovations at an existing single- Filed Sept. 11. family residence, 2 Scofieldtown Road, Stamford. Estimated cost: Kenealy Residence, Darien. Per$75,000. Filed Sept. 11. form interior renovations and reroof a single-family residence, Grimes, Lindsay and Spencer 2 Athea Lane, Darien. Estimated Burns, New Canaan. Perform cost: $100,000. Filed Sept. 12. interior renovations at an existing single-family residence, 131 Brookwood Lane, New Canaan. Kerschner Development Co., Estimated cost: $20,000. Filed Norwalk, contractor for Piekerski Investment L.L.C. Fit-out an Sept. 12. existing single-family residence, 31 Morehouse Lane, Norwalk.

Hassantalebe, Farend, Stam- Estimated cost: $25,000. Filed ford. Perform interior renova- Sept. 10. tions at an existing single-family residence, 77 Arden Lane, Stamford. Estimated cost: $9,200. Filed Kunz, James, Ridgefield, contractor for Marie and Thomas Bielicki.

Sept. 12.

Perform external additions and interior renovations to a singleHenry, Marie, Wilton, contrac- family residence, 139 Remington tor for Jenhar Associates. Perform Road, Ridgefield. Estimated cost: external renovations at an existing $88,000. Filed Sept. 16. single-family residence, 788 William St., Bridgeport. Estimated Lalanne, Victor, Stamford. Percost: $4,800. Filed Sept. 11. form additions and alterations at an existing single-family resiHerman, William, Ridgefield, dence, 49 Weed Hill Ave., StamReinforce roof with engineered ford. Estimated cost: $73,000. beam and support, 151 Limekiln Filed Sept. 12.

Road, Ridgefield. Estimated cost: $3,000. Filed Sept. 11.

Lam, Xen, Bridgeport. Perform interior renovations at an existing Hipkins, David, Stamford. Con- single-family residence, 250 Sixth struct a new deck at an existing St., Bridgeport. Estimated cost: single-family residence, 29 Nich- $29,600. Filed Sept. 10. ols Ave., Stamford. Estimated cost: $4,000. Filed Sept. 10.

Lam, Xen, Bridgeport. Reroof an existing single-family residence, Hoffman Landscape, contractor 250 Sixth St., Bridgeport. Estimatfor Mandi and AC Morgan. Con- ed cost: $29,600. Filed Sept. 10. struct a new deck at an existing single-family residence, 4 Salem Straits, Darien. Estimated cost: Lochar, Kurt, contractor for William Gilbert. Perform interior $182,000. Filed Sept. 13. renovations at an existing singlefamily residence, 10 Bates Farm Lane, Darien. Estimated cost: $75,000. Filed Sept. 16.

Mossop, R.S., contractor for Caroline Adams. Perform interior renovations at an existing singlefamily residence, 278 Noroton Ave., Darien. Estimated cost: $20,000. Filed Sept. 13.

Neuner Residence, Darien. Construct a new deck and perform additions and alterations at an existing single-family residence, 558 Hoyt St., Darien. Estimated cost: $185,000. Filed Sept. 12.

Neuscheler, Joan and Mike Neuscheler, Stamford. Perform interior renovations at an existing single-family residence, 25 Ridgebrook Drive, Stamford. Estimated cost: $80,000. Filed Sept. 12.

Nicolette Home Improvement, contractor for Tom Cerussi. Reroof an existing single-family residence, 12 Rings End Road, Darien. Estimated cost: $10,000.

Filed Sept. 10.

O’Brien, Gary, contractor for Robert Whitham. Perform external renovations at an existing single-family residence, 6 Third Ave., Stratford. Estimated cost: $13,000. Filed Sept. 12.

Panteleimn Hatzivasili L.L.C., Stamford, contractor for Mary Roman. Perform external renovations at an existing single-family residence, 13 Coldspring St., Norwalk. Estimated cost: $12,000.

Filed Sept. 10.

Parvin Group L.L.C., Newtown, contractor for C. Rathapatlaya and Lars Winkerbauer. Repair a deck at an existing single-family residence, 32 Nod West Drive, Ridgefield. Estimated cost: $21,800. Filed Sept. 13.

Pennella Site Development, contractor for Jacob Hyde. Perform additions and alterations at an existing single-family residence, 16 East Trail, Darien. Estimated cost: $186,000. Filed Sept. 12.

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013 23

NEWSMAKERS plus awards and events ABILITY BEYOND IS THE NEW NAME ABILITY BEYOND is a nonprofit based in Bethel and Mount Kisco, N.Y., that provides a wide range of employment training, residential, support services and other critical programs to thousands of people with developmental and physical disabilities and brain injuries.

Formerly called Ability Beyond Disability, now it will be known by a new name: Ability Beyond.

Said GREGORY SMITH, chairman of the board of trustees, “As a leader in our field, we do not focus on the challenges our clients live with. And we certainly don’t let their disabilities defi ne who they are or what they are capable of achieving. So as an organization, we decided that we would not let the word “disability” defi ne us either. The new name reflects the limitless opportunities for the people we serve.”

Pictured from left are KEVIN COX, chief human resources officer, American Express Co., New York City; ROY YOUNG, chairman, Fairfield Processing Corporation, Danbury; ELLIOT FINKELSTEIN; PAUL HAMILTON, senior vice president, PepsiCo, Somers, N.Y.; GREGORY SMITH, chairman and CEO, Maplewood Senior Living, Westport; and TOM FANNING, CEO and president, Ability Beyond.

NATIONAL MAYORS HONOR PAVIA Stamford MAYOR MICHAEL A. PAVIA, was recognized recently by the U. S. Conference of Mayors with its Mayor’s Small Business Initiative Award. Sponsors at the award event included the STAMFORD CHAMBER OF COMMERCE; PARTNER AMERICA (in conjunction with the U.S. CONFERENCE OF MAYORS ); Florida-based AMERICAN MANAGEMENT SERVICES; and the HILTON STAMFORD HOTEL & EXECUTIVE MEETING CENTER. “As a developer prior to becoming mayor, I am well aware of the challenges and opportunities in being a small business owner. It has been a major goal of my term to continue to support those small businesses that I consider to be the economic engine of the city,” said Pavia.

The Mayors’ Small Business Initiative Award was developed five years ago by the U.S. Conference of Mayors to recognize mayors who have demonstrated support for issues facing small businesses and provides resources, best practices and education to help improve local economies. Past recipients have included Philadelphia Mayor Michael Nutter, Houston Mayor Anise Parker and Kansas City Mayor Sly James. The Partner America Program, established 12 years ago, is a partnership with the U.S. Conference of Mayors and American Management Services.

Betsy Conti

Mark Namm

BORRELLE TO P-B

AWARDS FOR BOWLER ADVISERS

Stamford-based PITNEY BOWES INC. announced that BILL BORRELLE is joining the company as senior vice president for brand strategy and integrated marketing communications, reporting to ABBY F. KOHNSTAMM, executive vice president and chief marketing officer, effective Sept. 30. He will be responsible for the company’s brand and digital media strategy, marketing communications, advertising and events.

Before joining Pitney Bowes, Borrelle was CEO of the flagship New York operation of mcgarrybowen, a fullservice brand advertising and digital agency. Borrelle oversaw brand strategy and integrated communications development for clients such as Verizon, J.P. Morgan Chase & Co., Marriott International, Chevron, Northrop Grumman, United Airlines, and P&G. In 2011, mcgarrybowen was named Agency of the Year by Advertising Age and Adweek. Borrelle joined the agency in 2006.

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24 Week of September 30, 2013 • Fairfield County Business Journal

B.T. BOWLER & ASSOCIATES, the New Canaan-based fi nancial advisory fi rm of AMERIPRISE FINANCIAL SERVICES INC., announced two of its advisers, BERT T. BOWLER, private wealth adviser, and JOHN R. PLANELL, fi nancial adviser, have been selected for the 2013 Five Star Wealth Manager award in Connecticut. John R. Planell was also selected for the fourth consecutive year as a recipient of the 2013 Five Star Wealth Manager award in Westchester County.

Bert T. Bowler is founder and owner of B.T. Bowler & Associates. He said, “It is an honor to be selected for this award among such an esteemed peer group throughout Connecticut. As tenured professionals, John and I take pride in this professional recognition.

It serves as objective validation and testament to the comprehensive fi nancial planning services we strive to provide to our clients.”

Nationally, only 4 percent to 7 percent of all wealth managers are selected for this award. It identifies wealth managers “who deliver quality services to their clients,” according to Five Star Professional, the Minneapolis fi rm that runs the program.

BUILDING BLOCKS OF LEARNING

DOING GOOD AND BANKING WELL

DATES OCT

2

Wednesday

WINSTON PREPARATORY SCHOOL, a day school in Norwalk and in New York City, debuted its newest and most environmentally progressive building on its Norwalk campus recently. VIPs in attendance included Norwalk MAYOR RICHARD MOCCIA and state SEN. BOB DUFF as well as the school’s leaders and board of trustees.

Winston specializes in individualized education for students with learning differences and the new LEED candidate (Leadership in Energy & Environmental Design) building will greatly support this specialty.

“Green classrooms create healthier, higher performing and more environmentally friendly learning environments” said Winston EXECUTIVE DIRECTOR SCOTT BEZSYLKO. “When you match the potential of the kids with a space that’s really great, instead of the stereotypical building, we have created a colony of learners.”

Business and community leaders gathered at Fairfield University Sept. 18 to celebrate the rebranding of The Bank of Fairfield, The Bank of New Canaan and Stamford First Bank as BANKWELL . As part of its ongoing commitment to the community, Bankwell donated $1,500 to both Operation Hope and to The Center for Women and Families.

In this photo taken at Fairfield University, from left, are: SARAH LUBARSKY, director of development at the Center for Women and Families; CARLA MIKLOS, executive director, Operation Hope; HEIDI DEWYNGAERT, president, Bankwell; BOB PALERMO, senior vice president, commercial lending, Bankwell; PEYTON PATTERSON, CEO, Bankwell; and DEBRA GREENWOOD, CEO, Center for Women and Families.

OCT

3

Thursday

OCT

23

POSSIBLE CUTTING-EDGE SIGHT HELP Fairfield-based OPHTHALMIC CONSULTANTS OF CONNECTICUT seeks participants who have been treated without success for glaucoma for one of three separate clinical trials. The individual trials will address issues including: lowering eye pressure due to glaucoma with the possibility of reducing dependence on glaucoma medication; treatment of glaucoma in conjunction with cataract surgery; and an alternative to unsuccessful procedures including, but not limited to trabeculectomy, express

Wednesday

mini-shunt, cyclocryotherapy.

The studies will extend over a 12-month period, depending on the trial.

To be considered, participants must be at least 18 years of age and have been diagnosed with glaucoma.

In addition, they must have undergone treatment or treatments for glaucoma that were not successful. Each trial has a unique set of criteria. Contact DENISE LAVIN at (203) 366-8000 for details.

DR. MARK RUBINSTEIN, author of “Love Gone Mad,” is on a local book tour. His first engagement was Sept. 25 in Fairfield. On Wednesday, Oct. 2, 7 p.m., he will speak at Fairfield Library’s Main Branch downtown. The topic, “A Psychiatrist Turned Novelist Talks About His Latest Novel, ‘Love Gone Mad,’ and the Fine Line Between Falling in Love And Madness.” For every copy of the book sold during that event, Rubenstein will donate $2 to the library. Thursday, Oct. 24, 7 p.m. he will be at Fairfield University’s bookstore downtown.

THE OPTICAL SHOP of Westport, along with Bianca Boutique, Groove, Artistic Image and The Waxing Spot, will host a “Block Party” Thursday, Oct. 3, 420 Post Road West, Westport (across from Whole Foods), 4- 8 p.m.

Each shop will offer customers 10 percent off all purchases during this time.

“THE POLITICS OF FOOD: WHATEVER HAPPENED TO OLD MACDONALD’S FARM?” will be presented Wednesday, Oct. 23, 9 a.m.-1 p.m., at The Italian Center, 1620 Newfield Ave., Stamford.

Registration begins at 8:30 a.m. The seminar, open to the public, costs $40 per person and includes lunch. The theme: According to the U.N., enough food is produced globally to feed 12 billion people. Global population now stands at 6.3 billion. So why is it that 800 million people suffer from malnutrition and 1.8 billion from obesity and diabetes and cardiovascular disease?

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

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Get all the executive promotions and moves, awards and snapshots we publish in the Business Journals delivered to your inbox on Monday mornings. Subscribe at WESTFAIRONLINE.COM/HOME/BREAKING-NEWS/ FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013 25

on the record Pham, Tan, Bridgeport. Perform external renovations at an existing single-family residence, 236 Cleveland Ave., Bridgeport. Estimated cost: $5,600. Filed Sept. 11.

Pizzani, Deborah and Paul Pizzani, Darien. Perform additions and alterations at an existing single-family residence, 10 Kerry Lane, Darien. Estimated cost: $500,000. Filed Sept. 13.

Puches, Brian, contractor for Carolyn Hoyt. Perform additions and alterations at an existing single-family residence, 98 Five Mile River, Darien. Estimated cost: $400,000. Filed Sept. 9.

Pyramid Custom Home Corporation of Connecticut, Ridgefield, contractor for Debbie and Dikran Kadigian. Perform renovations to an accessory building and perform interior renovations at a single-family residence, 14 Market St., Ridgefield. Estimated cost: $225,000. Filed Sept. 11.

Pyramid Luxury Homes Joint Venture, Ridgefield. Construct a new single-family residence, 105 Sleepy Hollow Road, Ridgefield.

Estimated cost: $450,930. Filed Sept. 11.

R&D Renovation, Ridgefield, contractor for Marcia and Stephen Riebling. Perform interior renovations at an existing singlefamily residence, 44 Beaver Brook Road, Ridgefield. Estimated cost: $50,000. Filed Sept. 13.

Radomski, Robert, Stamford, Reduce to core, 21 Coveview Drive, Stamford. Estimated cost: $5,000. Filed Sept. 11.

Ricardo Remodeling L.L.C., contractor for Monica Giannini.

Strip and reroof an existing single-family residence, 596 S. Pine Creek, Fairfield. Estimated cost: $6,140. Filed Sept. 10.

Riga L.L.C., contractor for Mary Goodman. Strip and reroof an existing single-family residence, 21 Round Hill Drive, Fairfield.

Estimated cost: $10,800. Filed Sept. 11.

Rodrigues, Osmar, Bridgeport.

Perform interior renovations at an existing single-family residence, 31 to 35 Taft Ave., Bridgeport. Estimated cost: $1,600. Filed Sept. 10.

Rosa Cabinets, contractor for Carlyle Upson. Perform interior renovations at an existing singlefamily residence, 25 Perrick Lane, Darien. Estimated cost: $70,000.

Filed Sept. 9.

Sheehan, Gerald, contractor for E. Lloyd and Associates. Perform additions and alterations at an existing single-family residence, 37 Hillside Ave., Darien. Estimated cost: $604,000. Filed Sept. 13.

COURT CASES

Bridgeport District Court

Skolos, Dan, Darien. Perform additions and alterations at an existing single-family residence, 10 Tanglewood Drive, Darien.

Estimated cost: $650,000. Filed Sept. 12.

84 Lumber Co., et al. Filed by Dale Platt, Chesterville, Maine.

Plaintiff’s attorney: Christopher Meisenkothen, New Haven. Action: The plaintiff has brought this product-liability suit against Smith Restorations, Fairfield, the defendant alleging negligence contractor for Kenneth Polerari. in not warning the plaintiff of the Perform interior additions at a dangers of working with asbestos single-family residence, 221 High products. Filed Sept. 11. Case no.

Ridge Ave., Ridgefield. Estimated 6037911. cost: $6,800. Filed Sept. 11.

A.O. Smith Corp., et al. Filed by Staley Residence, Norwalk. Michael Golden, et al., Coventry, Perform external additions at an R.I. Plaintiff’s attorney: Brian existing single-family residence, P. Kenney, New Haven. Action: 15 Meridian Road, Norwalk. The plaintiff has brought this Estimated cost: $13,000. Filed product-liability suit against the defendant alleging negligence in Sept. 10. not warning the plaintiff of the dangers of working with asbestos Stephen Gidley Inc., contractor products. Filed Sept. 11. Case no. for Burleigh Residence. Perform 6037908. interior renovations to an external building at an existing singlefamily residence, 2 Crooked Mile, ACMAT Corp., et al. Filed by Darien. Estimated cost: $197,000. Michael Taska, Bridgeport. Plaintiff’s attorney: Brian P. Kenney, Filed Sept. 6.

New Haven. Action: The plaintiff has brought this product-liability Sullivan, Brian, contractor for suit against the defendant who Caroline and Elo Comfort. Per- was negligent in not warning the form additions and alterations plaintiff of the dangers of workat an existing single-family resi- ing with asbestos products. Filed dence, 48 Noroton Ave., Darien. Sept. 11. Case no. 6037910.

Estimated cost: $350,000. Filed Sept. 9.

Air Quality L.L.C., et al., Monroe. Filed by Webster Bank N.A., Tatum, James, Darien. Perform Cheshire. Plaintiff’s attorney: interior renovations at an existing Walter Onacewicz, Bloomfield. single-family residence, 65 Noro- Action: The plaintiff has brought ton Ave., Darien. Estimated cost: this breach-of-contract suit $30,000. Filed Sept. 9. against the defendant for failing to make payments on a term note in the original amount of $10,000 Tradmarc Construction, con- that the plaintiff had provided tractor for Marc DeBeradinis. to the defendant. Filed Sept. 11.

Perform additions and altera- Case no. 6037859. tions at an existing single-family residence, 5 Canoe Trail, Darien.

Estimated cost: $790,000. Filed BAC Home Loans Servicing Sept. 10.

L.P., Plano, Texas. Filed by Khalid Kapadwala, Stamford. Plaintiff’s attorney: Raymond G. Heche, Wishing Well Building, Stam- Bridgeport. Action: The plaintiff ford. Construct a new single-fam- has brought this breach-of-conily residence, 191 Erskine Road, tract suit against the defendant Lot 5, Stamford. Estimated cost: for failing to release the plaintiff’s $750,000. Filed Sept. 16. mortgage in a timely manner.

Filed Sept. 17. Case no. 6038037.

Zilberstein, Alexander, Stamford. Perform interior additions Clockwork Learning Southat a single-family residence, 527 bury L.L.C., Fairfield. Filed by Scofieldtown Road, Stamford. U.S. Foods Inc. d.b.a. U.S. FoodEstimated cost: $14,250. Filed service, Norwich. Plaintiff’s atSept. 12. torney: Steven M. Zelman, Farmington. Action: The plaintiff has brought this breach-of-contract suit against the defendant for failing to pay $8,292.40 for materials sold and delivered to the defendant. Filed Sept. 12. Case no.

6037938.

26 Week of September 30, 2013 • Fairfield County Business Journal

Compare Foods, Bridgeport.

Filed by Graciela Rodriguez.

Plaintiff’s attorney: George W. Ganim Jr., Milford. Action: The plaintiff has brought this suit against the defendant for injuries that the plaintiff had sustained alleging defendant’s negligence.

Filed Sept. 17. Case no. 6037995.

REO Recovery Street, Bridgeport. Filed by the city of Bridgeport WPCA, Bridgeport. Plaintiff’s attorney: Russell D. Liskov, Bridgeport. Action: The plaintiff has brought this breach-of-contract suit against the defendant for failing to pay for services rendered in the amount of $1,132.80. Filed Sept. 11. Case no. 6037891.

Equale & Cirone L.L.P., et al., Newtown. Filed by Derek Deleo, Southbury. Plaintiff’s attorney: Brian C. Hoenig, Hartford. Action: The plaintiff seeks a dissolution and proper wrap-up of the partnership business. Filed Sept. 17. Case no. 6013571.

Gello Brothers Inc., et al., Wallingford. Filed by Consumer Petroleum of Connecticut Inc., Trumbull. Plaintiff’s attorney: David C. Shuffrin and John Knuff, Milford. Action: The plaintiff has brought this breach-of-contract suit against the defendant for failing to pay $19,092.28 pursuant to a sales agreement. Filed Sept. 17.

Case no. 6038022.

Officemax Inc., Brookfield.

Filed by Carol Gelish, Brookfield.

REO Recovery Street, Bridge- Plaintiff’s attorney: Michael J. port. Filed by the city of Bridge- Tortora, Danbury. Action: The port WPCA, Bridgeport. Plain- plaintiff has brought this suit tiff’s attorney: Russell D. Liskov, against the defendant for injuries Bridgeport. Action: The plaintiff that the plaintiff sustained alleghas brought this breach-of-con- ing defendant negligence. Filed tract suit against the defendant for Sept. 17. Case no. 6013555. failing to pay for services rendered in the amount of $1,003.27. Filed Sept. 11. Case no. 6037892.

Stamford District

Gosselin Inc. d.b.a. Post Parkway Services Inc., Stratford.

Filed by Nick’s Carting Inc., Bridgeport. Plaintiff’s attorney: Richard C. Marquette, Hamden.

Action: The plaintiff has brought this breach-of-contract suit against the defendant for failing to make repairs to the plaintiff’s vehicle based on a verbal agreement.. Filed Sept. 11. Case no.

6037904.

Stone River Grille L.L.C., et al., Sandy Hook. Filed by Pawnee Leasing Corp., Fort Collins, Colo. Plaintiff’s attorney: Ryanna T. Capalbo and Andrew R. Bilodeau, Warwick, R.I. Action: The plaintiff has brought this breach-of-contract suit against the defendant for failing to pay an equipment lease agreement for the amount of $33,230.33. Filed Sept. 12. Case no. 6037939.

Lord Chamerlain Inc., et al., Stratford. Filed by Lilian Rushen. Plaintiff’s attorney: Lois A. Frankforter, Hamden. Action: The plaintiff has brought this suit against the defendant for injuries that the plaintiff had sustained due to the negligence of the defendant. Filed Sept. 17. Case no.

6038003.

The Beechmont Professional Center Association Inc., Bridgeport. Filed by Hyla Austrian. Plaintiff’s attorney: Douglas P. Mahoney, Bridgeport. Action: The plaintiff has brought this suit against the defendant for injuries allegedly sustained due to defendant’s negligence. Filed Sept. 13. Case no. 6037943.

MSE Management Inc., et al.

Filed by Freeman Decorating Services Inc. Plaintiff’s attorney: Steven A. Sugarmann, New Haven. Action: The plaintiff has brought this breach-of-contract suit against the defendant for its failure to satisfy a judgment obtained against the defendant in the amount of $37,920.90. Filed Sept. 12. Case no. 6037922.

Old Village Mill L.L.C., et al., Saunderstown, R.I. Filed by Zeisler & Zeisler P.C., Bridgeport.

Plaintiff’s attorney: Jeffrey M. Sklarz, Glastonbury. Action: The plaintiff has brought this breachof-contract suit against the defendant for failing to pay $66,224.31 for consulting services performed by the plaintiff. Filed Sept. 11.

Case no. 6037903.

REO Recovery L.L.C., Bridgeport. Filed by the city of Bridgeport WPCA, Bridgeport. Plaintiff’s attorney: Russell D. Liskov, Bridgeport. Action: The plaintiff has brought this breach-of-contract suit against the defendant for failing to pay for services rendered in the amount of $1,250.14. Filed Sept. 11. Case no. 6037881.

True Pentecostal Church of Bridgeport, Bridgeport. Filed by the city of Bridgeport WPCA, Bridgeport. Plaintiff’s attorney: Russell D. Liskov, Bridgeport.

Action: Action: The plaintiff has brought this breach-of-contract suit against the defendant for failing to pay for services rendered in the amount of $594.39. Filed Sept. 11. Case no. 6037878.

Court

Bollinger Inc., Stamford. Filed

by Bollinger Mobility L.L.C., Stamford and The Secor Group Inc., Washington, D.C. Plaintiff’s attorney: Joseph J. Cherico, Stamford. Action: The plaintiff has brought this breach-of-contract suit against the defendant for failing to pay a sum of money, which remains unpaid pursuant to an Asset Purchase Agreement. Filed Sept. 17. Case no. 6019821.

Hoffman Fuel Company of Stamford, Stamford. Filed by Joseph Najmy, New Canaan. Plaintiff’s attorney: Patrick J. Linsey, Stamford. Action: The plaintiff has brought this property-damages suit against the defendant due to a leak from an oil tank.

Filed Sept. 16. Case no. 6019816.

Lee, Janet d.b.a. Greenwich Psychic, Greenwich. Filed by Hearst Media Services Connecticut L.L.C. d.b.a. The Connecticut Post, Bridgeport. Plaintiff’s attorney: Myra L. Graubard, Stamford.

Action: The plaintiff has brought this breach-of-contract suit against the defendant for failing to pay $9,642.02 for advertising services performed for the deUSA Water & Fire, et al., Hamden. fendant. Filed Sept. 13. Case no.

Filed by Rudy Polanco, Bridgeport. 6019795.

Plaintiff’s attorney: James J. Skelton, Fairfield. Action: The plaintiff has brought this property-damages suit against the defendant alleging SUPERIOR COURT negligence for failing to perform building repairs properly. Filed Asset Recovery Solutions Sept. 18. Case no. 6038040.

L.L.C., et al., Des Plaines, Ill. Filed by Lee Hoyt, Windsor Locks. Plaintiff’s attorney: Sergei Lemberg, Stamford. Action: The Danbury District plaintiff has brought this violation-of-the-fair-debt-collectionsCourt act suit against the defendant for attempting to collect a debt by B&S Investment Properties using harassment and abusive L.L.C., et al., Redding. Filed by Su- tactics. Filed Sept. 13. Case no. zanne Baxter, Ridgefield. Plaintiff’s 13cv1342. attorney: Jonathan J. Klein, Bridgeport. Action: The plaintiff seeks a dissolution and proper wrap-up of the partnership business. Filed Sept. 17. Case no. 6013572.

on the record Century Financial Services Inc., et al., North Haven. Filed

by Rebecca Emmer, Waterbury.

Plaintiff’s attorney: Sergei Lemberg, Stamford. Action: The plaintiff has brought this violation-of-the-fair-debt-collectionsact suit against the defendant for attempting to collect a debt from by using harassment and abusive tactics. Filed Sept. 13. Case no.

13cv1343.

Harvest Management Sub TRS Corp., Groton. Filed by Philip R. Greenwood, East Longmeadows, Mass. Plaintiff’s attorney: William G. Madsen, Hartford. Action: The plaintiff has brought this violation-of-the-fair- labor-standardsact suit against the defendant for failing to pay the plaintiff for overtime work. Filed Sept. 16.

Case no. 13cv1353.

Ivy Putnam Property L.L.C., Greenwich. Seller: 41 West Putnam L.L.C., Greenwich. Property: 41 W. Putnam Ave., Greenwich.

Amount: $10.9 million. Filed Sept. 12.

National Bakery Industrial Owner L.L.C., Los Angeles, Calif. Seller: IBC Sales Corp., Kansas City, Mo. Property: 20 Wells St., Bridgeport. Amount: $1.2 million. Filed Sept. 11.

P41 Stamford L.L.C., Glastonbury. Seller: 1340 Washington Associates L.L.C., Stamford.

Property: 1340 Washington Blvd., Stamford. Amount: $63 million.

Filed Sept. 10.

Stratford Ventures L.L.C., Bridgeport. Seller: 1345 Barnum Avenue L.L.C., Westport. PropHarvest Management Sub TRS erty: 1325 to 1345 Barnum Ave., Corp., Groton. Filed by Susan Stratford. Amount: $1.6 million.

B. McCain, East Longmeadows, Filed Sept. 16.

Mass. Plaintiff’s attorney: William G. Madsen, Hartford. Action: The University Veterinary Specialplaintiff has brought this of viola- ist Inc., Stamford. Seller: CCtion-of-the-fair- labor-standards- MCR HS 880 Canal L.L.C., New act suit against the defendant for York City. Property: 880 Canal St., failing to pay her for overtime Stamford. Amount: $8.6 million. work. Filed Sept. 16. Case no. Filed Sept. 12.

13cv1354.

WMC Mortgage L.L.C. and General Electric Capital Corp.

Filed by Deutsche Bank National Trust Co., Los Angeles, Calif.

Plaintiff’s attorney: Kathryn Gloria Newman, Stamford. Action: The plaintiff has brought this breach-of- contract suit against the defendant for its failure to make payments on a mortgage.

Filed Sept. 13. Case no. 13cv1347.

DEEDS

COMMERCIAL 300 Main Street Associates L.L.C., Stamford. Seller: 300 Main Owner L.L.C., New York City.

Property: Map 10997, Stamford.

Amount: $18.9 million. Filed Sept. 11.

BKLP Properties Inc., New Fairfield. Seller: DRUCK Inc., Billerica, Mass. Property: 3 Dunham Drive, New Fairfield. Amount: $1.5 million. Filed Sept. 16.

204 Sheephill Road L.L.C., Riverside. Seller: Peter Richard Allwork, Colebrook. Property: 204 Sheephill Road, Riverside.

Amount: $525,000. Filed Sept. 4.

337 Wayne Street L.L.C., Monroe. Seller: Maria Ofelia Munoz and Jiovanni Castano, Norwalk.

Property: 375 to 377 Huntington Road, Bridgeport. Amount: $76,500. Filed Sept. 12.

4491 Realty Corp., Patterson, N.Y. Seller: Alexandra Nicole Realty L.L.C., Danbury. Property: 46 to 52 White St., Danbury.

Amount: $1.7 million. Filed Sept.

12.

Adamo, Meghan, Bronx, N.Y. Seller: Federal National Mortgage Association, Washington, D.C. Property: 35L Leslie Road, Unit 12, Bridgeport. Amount: $97,000.

Filed Sept. 16.

Albert, Amy L., Fairfield. Seller: Joseph J. Lagana Builders Inc., Milford. Property: 65 High Lawn Road, Fairfield. Amount: $775,000. Filed Sept. 13.

Briggs, Pamela C. and Edward F. Briggs, Sherman. Seller: Judith A. and Walter G. Glaser, Briarcliff Manor, N.Y. Property: 13 Sherwood Hill Road, Sherman.

Amount: $23,000. Filed Sept. 12.

Cruz de Mendoza, Rosa and Miguel A. Mendoza, Stamford.

Seller: Gertrude and Bruce Hart, Stamford. Property: 17 Paragon Lane, Stamford. Amount: $310,000. Filed Sept. 10.

Bruneau, Stevenson, Bridgeport. Seller: Estate of Darlene Marie Erzen, Stratford. Property: 528 Huntington Road, Stratford.

Amount: $97,000. Filed Sept. 10.

D&D Executive Trust, Norwalk.

Seller: Federal National Mortgage Association, Washington, D.C. Property: 96 Laurel Place, Bridgeport. Amount: $124,472. Filed Sept. 12.

Burns-Howard, Roberta J., Milford. Seller: Michael SanBarry, Marcella, Stamford. Sell- din, Bridgeport. Property: 184 er: Sandra Kim, Hillsborough, Harborview Ave. and 508 MidN.J. Property: 25 Forest St., Unit land St., Bridgeport. Amount: 4E, Stamford. Amount: $270,000. $334,000. Filed Sept. 16.

Filed Sept. 12.

Daids Realty L.L.C., Stratford.

Seller: Rafael Rodriguez, Bridgeport. Property: 511 Bruce Ave., Stratford. Amount: $125,000.

Filed Sept. 16.

Burns, Ruth Ann, Greenwich.

Seller: Wendy Gayola, Greenwich.

Property: 169 Mason St., Unit 2D, Greenwich. Amount: $324,000.

Filed Sept. 9.

Deaton, Inez, New Fairfield.

Seller: Federal National Mortgage Association, Washington, D.C. Property: 9 Lake Drive, New Fairfield. Amount: $134,900. Filed Sept. 16.

Burshtein, Kathryn and James Burhstein, Fairfield. Seller: Bernardino, Jose, Danbury. Sell- Elizabeth A. and John E. Meyer, er: Alice Perrotti, Danbury. Prop- Fairfield. Property: 321 Cantererty: 67 Merrimac St., Danbury. bury Lane, Fairfield. Amount: Amount: $165,000. Filed Sept. 12. $680,000. Filed Sept. 10.

DeBernardo, Matthew T., Stratford. Seller: Marion Waite Prescott, Shelton. Property: 466 Davis Road, Fairfield. Amount: $425,000. Filed Sept. 10.

Ayala, Maria de Lourdes and Juan M. Diaz de Bonilla, Greenwich. Seller: Sofia A. Caraballo de Viola and Marco A. Viola, Greenwich. Property: 6 Lake Drive, Greenwich. Amount: $2.3 million. Filed Sept. 11.

Barnes, Heather and Robert Barnes, Ridgefield. Seller: Dawn and Glenn Schaefer, Ridgefield.

Property: 27 Webster Road, Ridgefield. Amount: $1.1 million.

Filed Sept. 16.

Batcha, Susan M. and Joseph J. Batcha Jr., Newtown. Seller: Carol V. Zimmerman, Newtown. Property: 29 Rowledge Pond Road, Newtown. Amount: $393,000. Filed Sept. 13.

QUIT CLAIM

Alpert, Matthew, Monroe.

Seller: Laci Magrani, Bridgeport. Property: 192 Scofield Ave., Bridgeport. Amount: $165,000.

Filed Sept. 12.

Mena-Echevarria, Maria J. and Jose A. Echevarria, Bridgeport. Seller: Maria Kazmierczak, Bridgeport. Property: 204 Court D, Building 59, Bridgeport.

Amount: $45,000. Filed Sept. 12.

American International Relocation Solutions L.L.C., Pittsburgh, Pa. Seller: Vincent Ambrosino, Pittsburgh, Pa. Property: 8 Encampment Place, Ridgefield. Amount: $1.2 million. Filed Sept. 16.

Phoenix Home Builders Inc., Bridgewater. Seller: Whitney Estates L.L.C., Bridgewater. Property: 9A Gereg Glen Road, Brookfield. Amount: $75,000. Filed Sept. 9.

Amille, Madeline May F. and Mark Anthony M. Abille, Greenwich. Seller: Saromar L.L.C., Fairfield. Property: 55 Stillman St., Fairfield. Amount: $477,500. Filed Sept. 13.

Colangelo, Robin N. and MiBielicki, Mark S., Blackstone, chael A. Colangelo, Greenwich.

Mass. Seller: Linda Haemphill, Seller: Angela M. Anderson, Norwalk. Property: 139 Reming- Stamford. Property: 37 Fairway ton Road, Ridgefield. Amount: Lane, Greenwich. Amount: $1.06 million. Filed Sept. 4. $762,000. Filed Sept. 16.

Sullivan, Edward D., Fort Lauderdale, Fla. Seller: Jeffrey Rolfe, Milford. Property: 189 Alfred St., Bridgeport. Amount: $40,000.

Filed Sept. 12.

Archier Homes III L.L.C., Greenwich. Seller: Baldridge Reading Skill Development Inc., Stamford. Property: 14 Grigg St., Greenwich. Amount: $1.3 million. Filed Sept. 13.

Bonnell, Harriet, Stamford. Seller: Roseann and Neil M. Rosen, Stamford. Property: 2 Doral Farm Road, Stamford. Amount: $1.2 million. Filed Sept. 10.

Zavala, Yanet and Ricardo Llachua, Port Chester, N.Y. Seller: People’s United Bank, Bridgeport.

Property: 285 to 295 Birmingham St., Bridgeport. Amount: $220,000. Filed Sept. 12.

Golia Business Properties L.L.C., Stamford. Seller: Tri-Star RESIDENTIAL Group Commercial L.L.C., Pleasantville, N.Y. Property: 52 and 56 Vassar Ave., Stamford. Amount: 200 Sheephill Road L.L.C., Riverside. Seller: Peter Richard $800,000. Filed Sept. 11.

Allwork, Colebrook. Property: 200 Sheephill Road, Riverside.

Amount: $575,000. Filed Sept. 4.

Ardery, Anne and Peter B. Ardery, Darien. Seller: Katherine S. Gogolak, Darien. Property: 394 Mansfield Ave., Darien. Amount: $4.8 million. Filed Sept. 10.

Aslam, Muhammad, Stamford.

Seller: Denise Fogerty Sherry and James E. Sherry, Stamford.

Property: 104 North St., Unit 803, Stamford. Amount: $402,000.

Filed Sept. 13.

Berwick Fairchild & Associates L.L.C., Easton. Seller: Nello Ceccarelli Properties L.L.C., Fairfield.

Property: 145 Fairchild Ave., and 110 Berwick Ave., Fairfield.

Amount: $475,000. Filed Sept. 11.

Bickman, Susan J. and David M. Bickman, Riverside. Seller: 25 Juniper L.L.C., Riverside.

Property: 25 Juniper Lane, Riverside. Amount: $2.1 million. Filed Sept. 10.

Bothwell, Elisabeth Jane, New York City. Seller: Walter E. Chard Jr., Riverside. Property: 122 Riverside Ave., Riverside. Amount: $720,000. Filed Sept. 5.

Briant, Emmanuelle and David Weisz, Bronxville, N.Y. Seller: Eileen and Patrick Grasso, Old Greenwich. Property: 18 Shore Acre Drive, Old Greenwich.

Amount: $2.07 million. Filed Sept. 6.

Citron, Marla and Kenneth Citron, Hartsdale, N.Y. Seller: Holly Deborah Lang, Cos Cob. Property: 4 Cat Rock Road, Cos Cob. Amount: $1.7 million. Filed Sept. 4.

Delelle, Michelle, Stamford.

Seller: Suzanne E. and Peter G. James, Stamford. Property: 70 Ashton Road, Stamford. Amount: $625,000. Filed Sept. 13.

Clifford, Heather K.M. and Ryan Clifford, Danbury. Seller: Medora Ann Klesch, Brookfield.

Property: 11 Parker Hill Road, Brookfield. Amount: $320,000.

Filed Sept. 10.

Derby, Michale, Ridgefield.

Seller: Deutsche Bank National Trust Co., Pasadena, Calif. Property: 50 Riverside Ave., Ridgefield.

Amount: $315,000. Filed Sept. 16.

Desta, Senait A. and Goitom W. Kefle, Stamford. Seller: Andrea B. Dener, Stamford. Property: 17 Waterbury Ave., Stamford.

Amount: $340,000. Filed Sept. 10.

DiCarlo, Maria G. and Peter G. DiCarlo, Bridgeport. SellCollins, Gretchen and Ryan er: Marion M. and William J. Collins, Trumbull. Seller: Sha- Schrade, Oxford. Property: 697 ron A. and William M. Mulligan, Broadbridge Road, Bridgeport.

Trumbull. Property: 137 Gar- Amount: $305,000. Filed Sept. 16. wood Road, Trumbull. Amount: $419,900. Filed Sept. 12.

Didona, Timothy, Ridgefield.

Seller: Peter Kelley, Cape ElizaCoscio, Barbara and Frank J. beth, Maine. Property: 5 SetCoscio, Trumbull. Seller: Jan L.K. tlers Lane, Ridgefield. Amount: Bazinet, Trumbull. Property: 16 $750,000. Filed Sept. 16.

Hawthorne Ridge Circle, Trumbull. Amount: $305,000. Filed DiVincenzo, Fred, Redding. SellSept. 12. er: Deutsche Bank National Trust Co., West Palm Beach, Fla. PropCotto-Santana, Maritza, Bronx, erty: 777 William St., Bridgeport.

N.Y. Seller: Frenchtown Associ- Amount: $71,714. Filed Sept. 12. ates L.L.C., Southington. Property: 715 Frenchtown Road, Unit 42, Bridgeport. Amount: $92,700. Donaghue, Stephanie M. and Richard J. Donaghue, Stamford.

Filed Sept. 16.

Seller: Kelly and Richard Thomas, Stamford. Property: 24 Hampton Lane, Stamford. Amount: $572,900. Filed Sept. 13.

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013 27

on the record Dos Santos, Eudiane M., Danbury. Seller: Jeffrey C. Butler, Danbury. Property: 38 Padanaram Ave., Unit C38, Danbury.

Amount: $122,500. Filed Sept. 12.

Douglas, Andrea F., Greenwich.

Seller: Victoria K. and Pierre H. Canu, Boone, N.C. Property: 52 Bruce Park Drive, Unit B, Greenwich. Amount: $1.2 million. Filed Sept. 6.

Drossakis, Christina and Matthew J. Martin, Old Greenwich.

Seller: Barbara A. Clay, Old Greenwich. Property: 14 Sound Beach Ave., Old Greenwich.

Amount: $530,000. Filed Sept. 13.

Duncan, Jane F. and John E. Duncan, Norwalk. Seller: Robbin and Vincent Scialli, Greenville, S.C. Property: 237 Silvermine Ave., Norwalk. Amount: $970,500. Filed Sept. 16.

Foley, Megan M. and Lawrence G. Foley, Fairfield. Seller: Taft School Corp., Watertown. Property: 926 Hulls Farm Road, Fairfield. Amount: $1.2 million. Filed Sept. 12.

Goncalves, Gedilson B., Bridgeport. Seller: Deborah A. Murphy, Bridgeport. Property: 88 Balsam Ave., Bridgeport. Amount: $82,000. Filed Sept. 16.

Friedman, Kevin, Newtown.

Seller: Eric V. Aitoro, Newtown.

Property: 6 Capitol Drive, Newtown. Amount: $146,000. Filed Sept. 13.

Goodhouse, Quynh Pham and Brendan Goodhouse, Stamford. Seller: Enza A. and David S. Moore, Stamford. Property: 112 Weed Hill Ave., Stamford.

Amount: $525,000. Filed Sept. 10.

Frolick, Merion S., Norwalk.

Seller: Viki Gable, Norwalk. Property: 100 Seaview Ave., Unit 2B, Norwalk. Amount: $400,000.

Filed Sept. 12.

Gouveia, Bill L., Bridgeport.

Seller: Suntrust Mortgage Inc., Richmond, Va. Property: 235 Village Lane, Bridgeport. Amount: $130,100. Filed Sept. 16.

Fusaro, Michelle and Peter Fusaro, New Milford. Seller: Martin McDonough, Bethel. Property: 994 Federal Road, Unit 8, Brookfield. Amount: $150,000. Filed Sept. 12.

Graf, Michael, New Canaan. Seller: Melissa Capelo, New Canaan.

Property: 550 Brookside Road, New Canaan/Norwalk. Amount: $2.4 million. Filed Sept. 16.

Gray, Michael, Stamford. Seller: Fusco, Alan, Bronx, N.Y. Seller: Eileen Perkowski, Westport.

Dunn, Sharon, Stratford. Seller: Antonio Alves, Stratford. Prop- Property: 3 George St., Westport.

Melanie Sanchez, New Haven. erty: 825 Warner Hill Road, Strat- Amount: $475,000. Filed Sept. 16.

Property: 103 Ferry Court, Strat- ford. Amount: $435,000. Filed ford. Amount: $202,500. Filed Sept. 10.

Greenleaf-Seides, Shari and Sept. 12.

Theodore D. Seides, Riverside.

Garcia, James Edward, Fair- Seller: WAM Properties L.L.C., Dyment, Yelena, Pelham Manor, field. Seller: Raymond K. Topar, Greenwich. Property: 19 Hidden N.Y. Seller: Adam C. Daniels, Raymond, Maine. Property: 65 Brook Road, Greenwich. Amount: Stamford. Property: 25 Forest Siemon St., Bridgeport. Amount: $5.5 million. Filed Sept. 12.

St., Unit 5E, Stamford. Amount: $23,100. Filed Sept. 16. $265,000. Filed Sept. 9.

Guanco-Murphy, Nicole and Garcia, James Edward, Fairfield. Jeremy Murphy, Stamford.

Eletto, Anna and Richard Elet- Seller: Raymond K. Topar, China, Seller: Samuel Nathan Pomerto, Scarsdale, N.Y. Seller: Irma P. Maine. Property: 56 Hubbel St. antz, Stamford. Property: 11 AlBevans, Stamford. Property: 195 and 69 Siemon St., Bridgeport. ton Road, Stamford. Amount: Highview Ave., Unit H, Stamford. Amount: $106,638. Filed Sept. 16. $598,000. Filed Sept. 10.

Amount: $300,000. Filed Sept. 12.

Garvey, Emily S., New York City.

Seller: Kathleen Casagrande, Fairfield. Property: 27 Green Acre Lane, Fairfield. Amount: $420,000. Filed Sept. 12.

Geoghegan, Beth and John P. Geoghegan, Stamford. Seller: Espinosa Garcia, Alejandra Burt D. Millan, Wilton. Property: and Alejandro Flores Mendez, 47 W. Haviland Lane, Stamford.

Old Greenwich. Seller: Patricia O. Amount: $559,950. Filed Sept. 11.

Thrane, Greenwich. Property: 59 Riverside Lane, Riverside. Amount: GG&CC Properties L.L.C., $1.6 million. Filed Sept. 5.

Hamden. Seller: Fred Divincenzo, Redding. Property: 777 William Evans, Sandy A. and Jason J. St., Bridgeport. Amount: $96,000.

Evans, Trumbull. Seller: Denise Filed Sept. 12.

E. O’Connor, Stratford. Property: 185 Oak Ridge Road, Stratford. Giamba, Raffaela, Stamford.

Amount: $296,000. Filed Sept. 16. Seller: Joseph J. Leschinsky, Stamford. Property: 27 Northill Fan, Rong, Stamford. Seller: Cyn- St., Unit 3R, Stamford. Amount: dy Dang, Stamford. Property: 136 $245,000. Filed Sept. 11.

Woodside Green, Unit 2A, Stamford. Amount: $225,000. Filed Gill, Patricia and Stephen Gill, Sept. 10.

New Rochelle, N.Y. Seller: Julie A. and Anthony Signore, Norwalk.

Fink, William J., Fairfield. Seller: Property: 4 Teakettle Place, NorEugene T. Yacco, Fairfield. Prop- walk. Amount: $389,000. Filed erty: 297 Pemburn Drive, Fair- Sept. 16. field. Amount: $190,000. Filed Sept. 11.

Equity Trust Co., Scarsdale, N.Y. Seller: Jerome Bost, Bridgeport.

Property: 1748 Reservoir Ave., Bridgeport. Amount: $100,000.

Filed Sept. 16.

Heltzel, Jaime L. and Christopher S. Heltzel, Stratford. Seller: Alice M. Vadala, Stratford. Property: 213 Mount Pleasant Ave., Stratford. Amount: $255,000.

Filed Sept. 13.

Henry, Justin, Fairfield. Seller: Juan C. Calderon, Fairfield. Property: 283 Marlborough Terrace, Fairfield. Amount: $270,000.

Filed Sept. 13.

Hernandez-Rosales, Angelina S. and Leopoldo Garcia-Levy, Danbury. Seller: Kenneth J. Hatch and William H. Hatch, Hebron, N.Y. Property: 16 Rocky Road, Brookfield. Amount: $278,600.

Filed Sept. 9.

Higinbotham, James W. and John C. Higginbotham, Southport. Seller: Lynne S. Paushter, Newtown. Property: 90 River St., Southport. Amount: $989,625.

Filed Sept. 10.

Hines, Colleen W. and Stephen P. Hines, Greenwich. Seller: Elizabeth Beinfield, Norwalk. Property: 4 Pennoyer St., Norwalk. Amount: $1.8 million. Filed Sept. 12.

28 Week of September 30, 2013 • Fairfield County Business Journal

Holmes, Phoebe J. and Patrick W. Holmes, Newtown. Seller: Dorothy May Blake, Brookfield.

Property: 101 Obtuse Hill Road, Brookfield. Amount: $315,000.

Filed Sept. 3.

Kennedy, Diane C. and Michael Kennedy, Vernon, Vt. Seller: Frences Regina Kozma Golden, Trumbull. Property: 60 Seeley Road, Trumbull. Amount: $490,000. Filed Sept. 10.

Jacobsen, Siri Hauge, Greenwich. Seller: Patricia A. and Warren P. Leibfried, Ponte Vero Beach, Fla. Property: 105 Hamilton Ave., Unit 7, Greenwich. Amount: $955,000. Filed Sept. 12.

Kessler, Althea D. and Michael B. Kessler, Greenwich. Seller: Nancie and Mark Schwarzman, Greenwich. Property: 16 Morgan Ave., Greenwich. Amount: $850,000. Filed Sept. 3.

Jimenez, Jorge, Stamford. Seller: Nova Pike Realty Ventrues L.L.C., Stamford. Property: 11 Revere Drive, Unit 19F1, Stamford.

Amount: $168,000. Filed Sept. 12.

Joggerst, Mary Margaret and Samuel Nathan Pomerantz, Stamford. Seller: Joan C. and James P. Colford, Stamford. Property: 72 Fishing Trail, Stamford.

Amount: $565,000. Filed Sept. 10.

Joy, Asha and Sandeep Joy, Danbury. Seller: Union Savings Bank, Danbury. Property: 9 Starr Ave., Danbury. Amount: $225,000.

Filed Sept. 12.

Judd, Karen S., Brookfield.

Seller: Kimberly Anderson, New Fairfield. Property: 3 Pond View Road, Brookfield. Amount: $217,500. Filed Sept. 3.

Kavullich, Alexandra Malizia and Stephen N. Kavulich, Greenwich. Seller: Marilyn M. Harris, Greenwich. Property: 191 Lake Ave., Greenwich. Amount: $1.2 million. Filed Sept. 13.

Keating, Susan H. and Michael E. Keating, Rye, N.Y. Seller: M. Constance and Robert Joseph Norsworthy, Greenwich. Property: 603 Steamboat Road, Unit 2, Greenwich. Amount: $1.1 million. Filed Sept. 5.

Kelley, Besa and Stephen R. Kelley, Brookfield. Seller: D. Lenore Podhouser, Brookfield. Property: 27 Arrowhead Road and 11 Chester St., Brookfield. Amount: $575,000. Filed Sept. 11.

Kelley, William E. II, New Fairfield. Seller: Rosario C. and William E. Kelly, New Fairfield.

Property: 24 Knolls Road, New Fairfield. Amount: $300,000.

Filed Sept. 16.

Kello, Andrew M., Mamaroneck, N.Y. Seller: Jill and Michael Matturro, Fairfield. Property: 130 Ross Hill Road, Fairfield.

Amount: $490,000. Filed Sept. 13.

La Versa, Stephen A., Old Greenwich. Seller: Vilma D. and Richard J. Mattheis, Greenwich. Property: Parcel B, Map 8152, Greenwich.

Amount: $1.6 million. Filed Sept. 4.

Lescott, Robin, Freemon, Ohio.

Seller: Jessica and Eric Esterkin, Greenwich. Property: 72 Putnam Park, Greenwich. Amount: $642,000. Filed Sept. 11.

Leykikh, Alex, Fairfield. Seller: Christine Bocamazzo, Fairfield.

Keyes, Whitney, Old Greenwich. Property: 279 Morehouse Lane, Seller: Annika and Anders He- Fairfield. Amount: $725,000. brand, Old Greenwich. Property: Filed Sept. 10.

15 Irvine Road, Old Greenwich.

Amount: $3.3 million. Filed Sept. 3.

Li, Yuxia, Brookfield. Seller: Ze Wen Chen, Danbury. Property: Kim, Nina and Min Kim, Stam- 14 Boxwood Lane, Danbury. ford. Seller: Miranda and Shinji Amount: $195,000. Filed Sept. 12.

Muto, Stamford. Property: 291 Hope St., Unit B8, Stamford.

Amount: $341,000. Filed Sept. 10. Link, Kristin, Bridgeport. Seller: Federal National Mortgage Association, Washington, D.C. PropKochavi, Liat and Oryan Ko- erty: 50 Dande St., Bridgeport. chavi, Stamford. Seller: Club Amount: $108,000. Filed Sept. 16.

Road Partners L.L.C., Stamford.

Property: 203 Club Road, Stamford. Amount: $790,000. Filed Liu, Hongbo, Stamford. Seller: Hany Mohamed, Stamford. PropSept. 11. erty: 39 Glenbrook Road, Unit 3T, Stamford. Amount: $205,000.

Koenig, Claire Marie and Adam Filed Sept. 12.

Philip Kasson, Easton. Seller: Julie A. and Robert N. Herkimer, Easton. Property: 60 Knapp St., Loftus, Katherine A., BrookEaston. Amount: $380,000. Filed field. Seller: Cirmin Development L.L.C., Bayville, N.Y. Property: Sept. 11.

25 Old Oak Drive, Brookfield.

Amount: $310,000. Filed Sept. 12.

Kogan, Alison B. and Eric M. Kogan, Westport. Seller: Frances A. Herbstam, Westport. Property: Longstreet, Margery Ann, 18 Rockyfield Road, Westport. Stamford. Seller: Charlotte HaAmount: $1.04 million. Filed nulik, Stamford. Property: 91 Strawberry Hill Ave., Unit 441, Sept. 11.

Stamford. Amount: $170,000.

Filed Sept. 13.

Kohli, Lilian and Rohan Kohil, Flushing, N.Y. Seller: Able Construction Inc., Norwalk. Property: Love Where You Live Homes 61 Buckley Avenue North, West- L.L.C., Trumbull. Seller: Helen A. port. Amount: $2.5 million. Filed Kiraly, Fairfield. Property: 38 Fern St., Fairfield. Amount: $565,000.

Sept. 11.

Filed Sept. 11.

Koren, Kimberly D. and Alan Koren, Wrentham, Mass. Seller: Platt Building L.L.C., Southbury.

Property: 37 Hoseye Coach Road, Newtown. Amount: $650,000.

Filed Sept. 13.

Kreiger, Regina, Norwalk. Seller: Ann M. Jackson and Simone E. DePaolo, Stratford. Property: 60 Luanne Road, Stratford. Amount: $290,000. Filed Sept. 13.

Lucas, Jane and Dante Lucas, Stamford. Seller: Elizabeth Pittoni, Stamford. Property: 127 Greyrock Place, Unit 1610, Stamford.

Amount: $290,000. Filed Sept. 12.

MacDougall, Kyle Wheale and Cameron Daniel MacDougall, Greenwich. Seller: Wendy A. and Michael B. Hill, Greenwich. Property: 9 Dingletown Road, Greenwich. Amount: $4.6 million. Filed Sept. 5.

Kurtz, Abigail and Joshua Kurtz, Stamford. Seller: Orchard K&G Associates, Stamford. Prop- Marcellus, Kristen C. and erty: 83 Alton Road, Stamford. Andrew R. Marcellus, StamAmount: $775,000. Filed Sept. 12. ford. Seller: Abigail and Joshua Kurtz, Stamford. Property: 189 Toms Road, Stamford. Amount: $526,000. Filed Sept. 10.

on the record Matos, Claudia E., Stratford.

Seller: Arnaldo Gomes, Stratford.

Property: 80 Hollywood Ave., Stratford. Amount: $228,000.

Filed Sept. 11.

Moranski, John J., Westport.

Seller: Marina E. Abudei, Westport. Property: 28 Maple Avenue North, Westport. Amount: $1.07 million. Filed Sept. 10.

Matturro, Jill S. and Michael C. Matturro, Fairfield. Seller: Nina and Joseph A. Peri, Fairfield. Property: 408 Mountain Laurel Road, Fairfield. Amount: $785,000. Filed Sept. 12.

Murcia, Yanny D., Norwalk.

Seller: The Secretary of Housing and Urban Development, Washington, D.C. Property: 209 Saunders Ave., Bridgeport. Amount: $70,000. Filed Sept. 16.

McClintock, Ruth, Ridgefield.

Seller: Clara and Anthony F. Dipentima, Danbury. Property: 101 Lake Place South, Danbury.

Amount: $323,500. Filed Sept. 16.

McDonald, Susan V. and Thomas J. McDonald, Ridgefield.

Seller: Gerald M. Depass, Ridgefield. Property: 150 Tackora Trail, Ridgefield. Amount: $733,000.

Filed Sept. 13.

McMichael, Debra, Stamford.

Seller: Diana DiIorio, Norwalk.

Property: 24 Charles St., Norwalk.

Amount: $350,000. Filed Sept. 12.

McTaggart, Polly and James McTaggert, North Palm Beach, Fla. Seller: Daniel A. Picard, New York City. Property: Lot 7, Map 5231, Greenwich. Amount: $1.9 million. Filed Sept. 9.

Mesigian, Jennefer N. and Christopher G. Mesigian, Stamford. Seller: Karen B. and Edmund G. Woods III, Ridgefield. Property: 94 Silver Hill Road, Ridgefield.

Amount: $870,000. Filed Sept. 10.

Meulenberg, Amanda M., Norwalk. Seller: Christine M. Lonbardo and Michael J. Bragg, Norwalk.

Property: 8 Yew St., Norwalk.

Amount: $391,000. Filed Sept. 13.

Miceli, Marianne and Michael A. Miceli, Fairfield. Seller: Sheri L. and David M. Dober, Fairfield.

Property: 690 Rowland Road, Fairfield. Amount: $655,000.

Filed Sept. 10.

Miller, Allison and Bradley Banken, Stamford. Seller: Sunset Holdings L.L.C., Stamford. Property: 33 Woodbine Way, Stamford. Amount: $1.4 million. Filed Sept. 11.

Mirochnik, Erika and Dennis Mirochnik, Ansonia. Seller: Virginia Bennett, Monroe and Joseph Bennett, Ponte Vero Beach, Fla. Property: 54 Harvester Road, Monroe. Amount: $320,000.

Filed Sept. 11.

Mitchell, Erika and Akram Fareed, New York City. Seller: Laura Camporeale, Norwalk. Property: 1210 Foxboro Drive, Norwalk.

Amount: $615,000. Filed Sept. 16.

Paksi, Alexis and Charles Paksi, Stamford. Seller: Deborah Scates and Jerzy Lasicki, Stamford. Property: 46 Pinewood Road, Stamford. Amount: $264,000. Filed Sept. 12.

Palmbach, Gina D. and Timothy M. Palmbach, Simsbury.

Seller: Melissa G. Wheeler and Jeffrey L. Purser, Danbury. Property: 36 and 38 Moody Lane, Danbury.

Amount: $18,000. Filed Sept. 12.

Ranta, Suzanne D. and Mark A Ranta, Glenville. Seller: Nancy E. Souza, Old Greenwich. Property: 78 Havemeyer Lane, Old Greenwich. Amount: $650,000. Filed Sept. 6.

Redbud Partners L.L.C., Ridgefield. Seller: Gordon Plaut, Ridgefield. Property: Undeveloped land off Hawthorne Hill Road, Ridgefield. Amount: $50,000. Filed Sept. 11.

Ren, Kelly Y. and Kevin F. Wang, Nabors, Bernard M., Stratford.

Seller: Andre Ely, Stratford. Prop- Paul, Steve E., Stamford. Seller: Stamford. Seller: Eastside Develerty: 99 McKinley Ave., Stratford. Maria D. and Roberto Reyes Jr., opment Associates L.L.C., NorAmount: $99,900. Filed Sept. 10. Stamford. Property: 84 Culloden walk. Property: 850 E. Main St., Road, Stamford.

Amount: Unit 226, Stamford. Amount: $553,000. Filed Sept. 10. $345,000. Filed Sept. 9.

Naknoi, Kanda and Kenny Cho, Stamford. Seller: Jeannemarie A. Denslow, Stamford. Property: 1080 Perales Barrero, Rosa Maria Riley Abear, Pamela and LawBedford St., Unit 2B, Stamford. and Kevin Hudson, Weston. rence M. Abear, Norwalk. Seller: Amount: $255,000. Filed Sept. 10. Seller: Barbara G. and Thomas Kelly L. Repicci, Newtown. PropA. Blumenthal, Redding. Prop- erty: 50 Aiken St., Unit 492, Norerty: 36 Sullivan Drive, Redding. walk. Amount: $233,000. Filed Naughton, Karen J. and Mi- Amount: $517,500. Filed Sept. 10. Sept. 12. chael D. Naughton, Brewster, N.Y. Seller: Barbara A. and Stephen Hall, Brookfield. Property: Pitassi, Aline G. and Michael Romano, Paula and Marian 28 Great Heron Lane, Brookfield. Pitassi, Redding. Seller: Marissa Schwindeman, Bethel. Seller: Amount: $470,000. Filed Sept. 11. B. Hurley and Michael P. Nor- Frederick Hahn, Redding. Propris, New Milford, N.J. Property: erty: 166 Sunset Hill Road, Red29 Old Redding Road, Redding. ding. Amount: $875,000. Filed Navarro, January and Binh-Vo Amount: $299,000. Filed Sept. 11. Sept. 10.

Tran, Bayside, N.Y. Seller: Traci Estabrook, Westport. Property: 6 Robert Lane, Westport. Amount: Polini, Svitlana, Ridgefield. Sell- Roosevelt Condos L.L.C., $520,000. Filed Sept. 16. er: Danielle K. and John Bown, Brooklyn, N.Y. Seller: Monterey New York City. Property: 27 Saint Properties, Bridgeport. Property: Johns Road, Ridgefield. Amount: 30 Stevens St., Units 108 and 311, Bridgeport. Amount: $58,000.

Negron, Zarkalys M., Bridge- $580,000. Filed Sept. 12.

Filed Sept. 11. port. Seller: Mirna A. Marquez and Kelman A. Gudiel, Bridgeport. Property: 835 to 837 Pearl Pritchard, Ashley M. and ThomHarbor, Bridgeport. Amount: as D. Duda, Westport. Seller: Rosche, Melissa and Tyler Ros$105,000. Filed Sept. 11.

Joyce M. and Douglas A. Fodor, che, Norwalk. Seller: Shwetha T. Westport. Property: 76 Hillspoint Pai and Soumyabja Mukherjee, Road, Westport. Amount: $1.3 Norwalk. Property: 442 Main Ave., Unit D1, Norwalk. Amount: Nichols, Constance W. and million. Filed Sept. 12. $405,000. Filed Sept. 16.

Arthur B. Nichols, Norwalk.

Seller: Taryn F. and Greer E. Osgood McCarthy, Darien. Prop- Pyrch, Carolyn and Paul Pyrch, erty: 30 Appletree Lane, Norwalk. Shelton. Seller: Heather L. Blair Rosen, Roseann and Neil M. Amount: $803,000. Filed Sept. 13. and Enrique L. Puebla, Shelton. Rosen, Greenwich. Seller: Patricia Property: 30 Lark Lane, Shelton. Makuck Kerr, Cos Cob. Property: Amount: $365,000. Filed Sept. 10. 31 Westview Place, Greenwich.

Amount: $1.1 million. Filed Sept. 6.

Nimer, Tami L., Brookfield. Seller: Shelley and Jonathan Lavelle, Brookfield. Property: 84 Stony Qayyum, Zheala, Bridgeport.

Hill Road, Brookfield. Amount: Seller: Camille and Gregory P. Ryan, Raymond Jr., Bridgeport. $289,000. Filed Sept. 3.

Carriero, Fairfield. Property: Seller: Bonnie S. Ryan and Doug25 Twin Brooks Lane, Fairfield. las H. Card Jr., Bridgeport. PropAmount: $594,500. Filed Sept. 12. erty: 140 Marilyn Drive, Bridgeport. Amount: $127,000. Filed O’Keefe, Diane D. and Kevin Sept. 12.

R. O’Keefe, Ridgefield. Seller: American International Reloca- Ramos, Rosa I. and Arnaldo R. tion Solutions L.L.C., Pittsburgh, Ramos, Danbury. Seller: Karen Pa. Property: 8 Encampment M. and James P. Setaro, Dan- Sakal, Deborah and Wayne Place, Ridgefield. Amount: $1.2 bury. Property: 3 Old Shelter Sakal, Monroe. Seller: Colleen million. Filed Sept. 16.

Rock Road, Danbury. Amount: and Michael Wellman, Monroe.

Property: 151 Bug Hill Road, $255,000. Filed Sept. 12.

Monroe. Amount: $650,000.

Filed Sept. 10.

O’Reilly, Joanne, Fairfield. Seller: Christina Liff, Fairfield. Prop- Rana, Sushilaben and Bharat erty: 75 Stone Ridge Way, Unit Rana, Danbury. Seller: Bethel 2B, Fairfield. Amount: $646,500. Danbury Two L.L.C., White Salvatore, Mario J. Jr., StratFiled Sept. 13.

Plains, N.Y. Property: 73 Tucker ford. Seller: Suzette Bridgewater, St., Unit 3403, Danbury. Amount: Stratford. Property: 161 Allencrest Drive, Stratford. Amount: $354,112. Filed Sept. 10. $255,000. Filed Sept. 11.

Olson, Gail and Mark Olson, Newtown. Seller: Linda J. and Frank G. Hufner, Newtown.

Property: 157 Brushy Hill Road, Newtown. Amount: $500,000.

Filed Sept. 13.

Samelko, Zofia and Jerzy Samelko, Stamford. Seller: Fredy Giraldo, Stamford. Property: 637 Cove Road, Unit B14, Stamford.

Amount: $133,000. Filed Sept. 9.

Sullivan, Elizabeth J., Trumbull.

Seller: Hannah O. and Michael S. Cohen, Trumbull. Property: 523 Booth Hill Road, Trumbull.

Amount: $170,000. Filed Sept. 10.

Saravia, Maria and Ronald D. Saravia, Stamford. Seller: Lane B. Whitmoyer and Herbert A. Bodington, Trumbull. Property: 15 Lindberg Drive, Trumbull.

Amount: $260,000. Filed Sept. 11.

Sullivan, Jennifer K. and Peter A. Macary, Danbury. Seller: Eugenio Cruz, Danbury. Property: 55 Jefferson Ave., Danbury.

Amount: $273,000. Filed Sept. 12.

Shapiro, Wendy, Fairfield. Seller: Sara Cammarota, Fairfield. Property: 2057 Kings Highway, Fairfield. Amount: $290,000. Filed Sept. 11.

Tabacco, Anne and John Tabacco, Greenwich. Seller: Susan B. Supple, Cos Cob. Property: 83 Strickland Road, Unit A, Greenwich. Amount: $517,000. Filed Sep.t 13.

Shea, Naima and Stephen Graig, Greenwich. Seller: Pre/ Fieldcrest Idar L.L.C., Greenwich.

Property: 5 Idar Court, Unit 1, Greenwich. Amount: $1.7 million. Filed Sept. 5.

Taiyo L.L.C., Westport. Seller: Hudson City Savings Bank, Paramus, N.J. Property: 98 Hillspoint Road, Westport. Amount: $670,000. Filed Sept. 11.

Silva, Jose Ricardo Pero Jr., Greenwich. Seller: Arlene and David Bornstein, Greenwich.

Property: 101 Maple Ave., Greenwich. Amount: $1.9 million. Filed Sept. 12.

Tamburro, Nicola D., Stamford.

Seller: Sinead C. Wielock, Stamford. Property: Lot 2, Map 1696, Stamford. Amount: $300,000.

Filed Sept. 10.

Tawil, Sophia D. and Frederick L Wesner, Cos Cob. Seller: ConSimpson, Lindsay H. and Mat- stance and Peter J. Lowenstein, thew R. Simpson, Stamford. Greenwich. Property: 496 Valley Seller: Jenna L. Bailey, Stamford. Road, Cos Cob. Amount: $1.4 Property: 22 Sussex Place, Stam- million. Filed Sept. 3. ford. Amount: $488,000. Filed Sept. 12.

Tenk, Gary, Stratford. Seller: Diane B. Loseth, Stratford. Property: Smith, Lisa P. and Robert J. 586 Bridgeview Place, Stratford.

Smith, Stamford. Seller: Ruth Amount: $171,000. Filed Sept. 16.

K. and Bobby J. Poole, Danbury.

Property: 28 Wedgewood Drive, Danbury. Amount: $375,000. Thomas, Marsha, Bridgeport.

Seller: Kalcar Corp., Stratford.

Filed Sept. 11.

Property: 87 Bartram Ave., Bridgeport. Amount: $300,000.

Stanford, Ashley and Nigel Filed Sept. 12.

Stanford, Greenwich. Seller: Karin and Charles B. Goldstuck, Greenwich. Property: 168 Round Toal, Peter J., Greenwich. Seller: Hill Road, Greenwich. Amount: Kathleen and Stephen Gamble, Greenwich. Property: 1361 King $15 million. Filed Sept. 6.

St., Greenwich. Amount: $2.1 million. Filed Sept. 5.

Stanley, Joshua M., Danbury.

Seller: Federal National Mortgage Association, Washington, D.C. Todd, John, Newtown. Seller: Property: 2 Anchor St, Danbury. Nicholas J. Ellis and John L. LenAmount: $185,000. Filed Sept. 12. non, Bethel. Property: 54 Weed Road, Bethel. Amount: $101,000.

Filed Sept. 16.

Stein, Kiersten M. and John Tran, Mark T., Stratford. Seller: P. Stein, Westport. Seller: Karla Thao T. and Van P. Tran, StratA. Austen and Pamela M. Perry, ford. Property: 91 Eaton St., StratSaratoga Springs, N.Y. Property: 7 ford. Amount: $125,000. Filed Easton Road, Westport. Amount: Sept. 12. $1.4 million. Filed Sept. 12.

Stewart, Jeffrey, Greenwich.

Seller: Kathleen F. and Matthew T. Callahan, Greenwich.

Property: 50 Lafayette Place, Unit 3G, Greenwich. Amount: $417,496.62. Filed Sept. 5.

Tullis, Miriam J. and David A. Tullis, Ridgefield. Seller: Vivian G. Kelly, Danbury. Property: 66 Overlook Drive, Ridgefield.

Amount: $675,000. Filed Sept. 12.

Valencia, Leonardo, Bridgeport.

Seller: Lorena and Brian Sherwood, Bridgeport. Property: 74 E. Pasadena Place, Bridgeport.

Amount: $125,000. Filed Sept. 11.

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013 29

on the record Ventoliere, Laura J. and Mason F. Gunsch, Wappinger Falls, N.Y. Seller: Judith G. Baris and Stephen K. Gellman, New Fairfield.

Property: 149 Pine Hill Road, New Fairfield. Amount: $437,032.

Filed Sept. 12.

Bernal, Kimberly and Ronald Bernal, et al. Creditor: JPMorgan Chase Bank N.A., Mendota Heights, Minn. Property: 27 Tomahawk Trail, Newtown.

Mortgage default. Filed Sept. 12.

Espinal, Maria and Edwin EsVerses, Laura E. and Jeffrey M. pinal. Creditor: US Bank N.A., Verses, Stamford. Seller: Lisa M. Fort Mill, S.C. Property: 50 to 52 and Richard F. Davey, Redding. Knollwood Drive, Bethel. MortProperty: 10 Bartram Drive, Red- gage default. Filed Sept. 12. ding. Amount: $600,000. Filed Sept. 16.

Ferreira, Adelaide. Creditor: Household Realty Corp., Depew, Vinci, Phoenix E. and Donald N.Y. Property: 17 Rose St., Unit R. Vinci, Stamford. Seller: Lisa P. 27, Stratford. Mortgage default. and Robert J. Smith, Stamford. Filed Sept. 16.

Property: 77 Hirsch Road, Stamford. Amount: $415,000. Filed Geri, Patricia A. Creditor: The Sept. 10.

Bank of New York Mellon, trustee, Plano, Texas. Property: 534 Vogel, Laurie, Branford. Seller: Woodstock Ave., Stratford. MortWinifred McKEnna, Westport. gage default. Filed Sept. 12.

Property: 40 Whitney Glen, Westport. Amount: $280,000. Filed Hill, Pamela, et al. Creditor: Sept. 12.

Deutsche Bank National Trust, trustee, Medota Heights, Minn.

Wahlberg, Kent C., Stratford. Property: 8 Havenhill Drive, ShelSeller: Helen A. Fodor, Stratford. ton. Mortgage default. Filed Sept. 10.

Property: 1949 Main St., Stratford. Amount: $205,000. Filed Isaac, Gloria, et al. Creditor: US Sept. 10.

Bank N.A., Fort Mill, S.C. Property: 346 Columbus Ave., Stratford.

Wald-Kvaale, Elizabeth and Mortgage default. Filed Sept. 13.

Halvard Kvaale, Port Chester, N.Y. Seller: Elsie Janet Pecorin, Greenwich. Property: 1050 Lane, Robyn and Edward and 1052 King St., Greenwich. Lederman. Creditor: U.S. Bank Amount: $687,500. Filed Sept. 3. N.A., Miamisburg, Ohio. Property: 60 Flower House Drive, Fairfield. Mortgage default. Filed Waters, Anna and Martin Wa- Sept. 12. ters, Old Greenwich. Seller: Lillian S. Henderickson, Sarasota, Fla. Property: 12 Grimes Road, Lofaro, Colleen G. and Louis Greenwich. Amount: $1.1 mil- L. Lofaro Jr. Creditor: Gateway Bank, Ewing, N.J. Property: 298 lion. Filed Sept. 4.

Carroll Ave., Bridgeport. Mortgage default. Filed Sept. 16.

Watson Collins, Jacqueline, Darien. Seller: Realty Strategies L.L.C., Monroe. Property: McLaughlin, Shirley D. and 34 Weatherbell Drive, Norwalk. Madge Bryan. Creditor: Arch Amount: $780,000. Filed Sept. 12. Bay Holdings L.L.C., Irvine, Calif.

Property: 1245 to 1249 Kossuth St., Bridgeport. Mortgage default.

Watson, Camille, Newtown. Filed Sept. 12.

Seller: Dawn and Charles A. Gasperino, Newtown. Property: 134 Louis Hill Road, Newtown. Radman, Nikola Michael, et al.

Amount: $285,000. Filed Sept. 16. Creditor: Southern Connecticut Financial Services Inc., Milford.

Property: 45 Compo Road South, Xiao, Kuwen, Kearny, N.J. Seller: Westport. Mortgage default. Filed Jean-Marie Pierre, Bridgeport. Sept. 13.

Property: 189 to 191 Sheridan St., Bridgeport. Amount: $86,700.

Schutt, Warren, et al. CrediFiled Sept. 16. tor: JPMorgan Chase Bank N.A., Jacksonville, Fla. Property: 10 Brinscall Court, Unit 54-10, Danbury. Mortgage default. Filed FORECLOSURES Sept. 12.

Stanley, Elizabeth, et al. Creditor: Nationwide Home Mortgage Co., Des Moines, Iowa. Property: 38 Pershing Ave., Bridgeport.

Mortgage default. Filed Sept. 12.

Stone, Roger M., et al. Creditor: US Bank N.A., Lewisville, Texas. Property: 29 Hidden Brook Drive, Brookfield. Mortgage default. Filed Sept. 9.

Fairchild, Diana, Brookfield. $2,533.99, in favor of Fairfield Teachers’ Agency Inc., Fairfield,

by Christopher J. Jarboe, Norwalk. Property: 5 Ina’s Drive, Brookfield. Filed Sept. 11.

Jones, Edward, Bridgeport. $881.65, in favor of Bridgeport Cardiovascular Specialists, Bridgeport, by Karen E. Lahey, Waterbury. Property: 373 Alpine St., Bridgeport. Filed Sept. 12.

Flynn, Melanie, Darien. $4,400.52, in favor of FIA Card Services, N.A., Newark, Del., by Robert E. Johnson, East Hartford.

Property: 5 Catherine St., Darien.

Filed Sept. 10.

Keese, Gail, Stratford. $2,092, in favor of Cavalry SPV I L.L.C., Valhalla, N.Y., by Joseph M. Tobin, New Haven. Property: 10 Frances Terrace, Stratford. Filed Sept. 16.

Suarez, Martha, et al. Creditor: US Bank N.A., Fort Mill, S.C. Property: 50 Prince St., Bridge- Fortin, Diane, Shelton. $676.76, port. Mortgage default. Filed in favor of HOP Energy L.L.C. d.b.a. Connecticut Refining Co., Sept. 11.

East Hartford, by William G. Reveley, Vernon. Property: 24 RouVilla-Lenkeit, Mary. Creditor: leau Lane, Shelton. Filed Sept. 10.

JPMorgan Chase Bank N.A., Jacksonville, Fla. Property: 15 Greenbriar Lane, Newtown. Frade, Lorna A., Bethel. $8,712.53, in favor of Asset AcMortgage default. Filed Sept. 13. ceptance L.L.C., Warren, Mich.,

by Joseph M. Tobin, New Haven.

Property: 81 Reservoir St., Bethel.

Filed Sept. 16.

FORECLOSURES-BY SALE

Genc, Kristie J., Newtown. $8,339.08, in favor of Cavalry SPV Onewest Bank F.S.B., Austin, I L.L.C., Valhalla, N.Y., by Joseph Texas. Appointed committee: Hil- M. Tobin, New Haven. Property: lel Goldman, Danbury. Property: 32 S. Main St., Newtown. Filed 20 Pembroke Road, Unit 71, Dan- Sept. 13. bury. Amount: $115,000. Filed Sept. 10.

Gilligan, Ashley E., Fairfield. $473.45, in favor of Hi Ho PetroZazzarino, Louis, White Plains, leum Corp., Bridgeport, by Philip N.Y. Appointed committee: Mark H. Monogan, Waterbury. PropA. Sank, Greenwich. Property: 6 erty: 879 Jennings Road, Fairfield.

Dale Drive, Greenwich. Amount: Filed Sept. 12. $407,000. Filed Sept. 12.

Gonzalez, Maria and Robert Gonzalez, Bridgeport. $362.72, Superior Plus Energy Services Inc. d.b.a. Seymour Energy, WinJUDGMENTS sted, by William G. Reveley, Vernon. Property: 110 Higgins Ave., Abestoss, Klaus, Greenwich. Bridgeport. Filed Sept. 16. $1,394.71, in favor of New England Oil Company L.L.C., Greenwich, by Karen M. Riggio, Stam- Johnson, Patsy and Howard ford. Property: 47 N. Stanwich Johnson, Bridgeport. $1,583.10, Road, Greenwich. Filed Sept. 9. in favor of Gaylord Sleep Center, Wallingford, by Karen E. Lahey, Waterbury. Property: 120 Voight Allen, Jennifer and Daniel Al- Ave., Bridgeport. Filed Sept. 12. len, Bridgeport. $1,184.62, in favor of Gaylord Sleep Center, Wallingford, by Karen E. Lahey, Johnson, Patsy and Howard Waterbury. Property: 544 Lincoln Johnson, Bridgeport. $1,976.20, Ave., Bridgeport. Filed Sept. 12. in favor of Gaylord Sleep Center, Wallingford, by Karen E. Lahey, Waterbury. Property: 120 Voight Edriss, Joseph, Norwalk. Ave., Bridgeport. Filed Sept. 12. $1,307.79, in favor of Cach L.L.C., Denver, Colo., by William L. Marohn, New Haven. Proper- Johnson, Wanda, Bridgeport. ty: 5 Sheriden St., Norwalk. Filed $396.05, in favor of Bridgeport Sept. 16.

Radiological Associates L.L.C., Trumbull, by Richard Terry, Hamden. Property: 250 Summit Elam, William and Pre- St., Bridgeport. Filed Sept. 11. mier Auto Sport, Greenwich.

Barriga, Noe Isidro, et al. Credi- Shilleh, Sufian, et al. Creditor: $12,641.41, in favor of Town Fair tor: BAC Home Loans Servicing Aurora Loan Servicing L.L.C., Tire Centers of CT L.L.C., East L.P., Dallas, Texas. Property: 21 Dallas, Texas. Property: 38 Har- Haven, by Joel M. Jolles, HamMcClurg Ave., Stamford. Mort- vard Ave., Stamford. Mortgage den. Property: 26 Caroline Place, Greenwich. Filed Sept. 6. gage default. Filed Sept. 10. default. Filed Sept. 10.

30 Week of September 30, 2013 • Fairfield County Business Journal

Killian, Eileen M., Stratford. $10,974.23, in favor of Cavalry SPV I L.L.C., Valhalla, N.Y., by Joseph M. Tobin, New Haven.

Property: 6255 Main St., Stratford. Filed Sept. 13.

Oarr, Denise M. and Kevin R. Oarr, Cos Cob. $1,392.32, in favor of Hudson City Savings Bank, Paramus, N.J., by Philip H. Monogan, Waterbury. Property: 16 Orchard St., Cos Cob. Filed Sept. 13.

Payuk, Tammy and Stephen Payuk, Brookfield. $1,481.10, in favor of Danbury Hospital, Danbury, by Robert L. Peat, Danbury.

Property: 158 Longmeadow Hill, Brookfield. Filed Sept. 6.

Rivera, Ann, Brookfield. $4,649.70, in favor of American Express Centurion Bank, Salt Lake City, Utah, by Benjamin P. Mann, Enfield. Property: 44 Junction Road, Brookfield. Filed Kolich, Daniel Shay, Stamford. Sept. 6. $21,803.46, in favor of American Express Bank, F.S.B., Salt Lake City, Utah, by Benjamin P. Mann, Ruther, Thomas, Norwalk.

Enfield. Property: 168 Belltown $1,221.25, in favor of MicroedoRoad, Apt. 51, Stamford. Filed dontics of Southern CT P.C., Sept. 9.

Norwalk, by Renee Mayerson Cannella, Stamford. Property: 146 Dry Hill Road, Norwalk.

Lawlor, Linda, Norwalk. Filed Sept. 16. $16,256.09, in favor of Cavalry SPV I L.L.C., Valhalla, N.Y., by William L. Marohn, New Haven. Silverio, Alan M., Bridgeport.

Property: 48 Pine Hill Ave., Nor- $688.05, in favor of Bridgeport walk. Filed Sept. 16.

Radiological Associates L.L.C., Trumbull, by Richard Terry, Hamden. Property: 415 Clark St., Maki, Matthew, Sandy Hook. Bridgeport. Filed Sept. 11. $1,997.52, in favor of Cach L.L.C., Denver, Col., by William L. Marohn, New Haven. Property: 3 Spina, Louis B., Stratford.

Turkey Roost Road, Sandy Hook. $17,653.66, in favor of Asset AcFiled Sept. 13. ceptance L.L.C., Warren, Mich.,

by Joseph M. Tobin, New Haven.

Property: 16 Derby Place, StratMatte, Norman E., Greenwich. ford. Filed Sept. 16. $4,322.17, in favor of Connecticut Light and Power Co., Windsor, by Nair & Levin P.C., Bloomfield. Sposato, Neyda, Bethel. $612.52, Property: 802 Lake Ave., Green- in favor of John Garofalo M.D., wich. Filed Sept. 3.

Norwalk, by Robert L. Peat, Danbury. Property: 9 Benedict Road, Bethel. Filed Sept. 13.

McNeill, Alana L., New Fairfield. $9,966.43, in favor of Portfolio Recovery Associates L.L.C., Norfolk, Sullivan, John, Danbury.

Va., by William L. Marohn, New $741.17, in favor of US InsulaHaven. Property: 9 Escape Road, tion Corp., Danbury, by Randall New Fairfield. Filed Sept. 16.

J. Carreira, Bridgewater. Property: 68 King St., Danbury. Filed Sept. 12.

Mesidor, Marie A., Stratford. $6,967.09, in favor of Cach L.L.C., Denver, Colo., by Joseph M. Tobin, Townsend, Richard, Stratford.

New Haven. Property: 147 Drome $7,768.02, in favor of Cavalry SPV Ave., Stratford. Filed Sept. 13.

I L.L.C., Valhalla, N.Y., by William L. Marohn, New Haven. Property: 29 Winfield Drive, Stratford. Filed Minouche, Ferdinand, Stam- Sept. 13. ford. $1,830.72, in favor of Wesson Energy Inc., Waterbury, by Philip H. Monogan, Waterbury. Zshunke, Michael, Brookfield.

Property: 699 High Ridge Road, $1,478.41, in favor of Danbury Stamford. Filed Sept. 13.

Hospital, Danbury, by Robert L. Peat, Danbury. Property: 66 N. Mountain Road, Brookfield. Filed Naranjo, Edgar, Norwalk. Sept. 6. $6,644.51, in favor of Cavalry SPV I L.L.C., Valhalla, N.Y., by William L. Marohn, New Haven. Property: 84 Soundview Ave., Norwalk.

Filed Sept. 16.

Business ConneCtions Economy

EvEnts

State Sheds Jobs in August

C

onnecticut lost 6,000 jobs in August, July’s gains were revised down by 2,000 positions, and the unemployment rate remained a stubborn 8.1%. Is there a silver lining?

The department also revised the numbers it released last month, saying the state gained 9,500 jobs in July, 2,000 less than initially reported.

“The very high June and July education numbers were driven by a seasonal adjustment process that was confused by the late closing school year,” said Andy Condon, the agency’s research director.

“The August numbers corrected that pattern. Connecticut continued to see growth in the private sector, particularly in the goods-producing industry supersectors, including construction/mining and manufacturing.”

Six of the 10 major industry sectors posted gains in August, led by construction and mining with 1,700 jobs.

Yes, says CBIA economist Pete Gioia, who notes the private sector actually added 2,300 positions last month, many of them in the manufacturing and construction sectors.

“The underlying message was more positive than [the overall numbers] would imply,” he said. “Unfortunately, we do still see weakness in financial services and that’s a concern going forward.

“But overall, we’ve added 14,300 jobs since the beginning of 2013. That’s a positive sign; I think overall we’re going to continue on a positive rate.”

The state saw 7,500 jobs lost in the local government sector in August, which Connecticut Department of Labor officials said they anticipated based on school sessions running well into summer.

21st Century energy

Manufacturing added 1,100 jobs, followed by trade, transportation, and utilities (1,600); leisure and hospitality (300); other services (100); and education and health services (100).

The government sector dropped 8,300 jobs, followed by financial activities (-1,700); professional and business services (-700); and information (-200).

What’s the Deal: Business Energy Conference Learn what’s happening and what’s on the horizon in:  Natural gas accessibility  Renewable power  Infrastructure expansion  Business incentives and financing  The competitive marketplace  Regional, state, and federal energy policy and its impact on Connecticut businesses

Only New Haven (600) and Waterbury (500) posted net gains for the month. Danbury was unchanged from July.

Connecticut’s energy landscape is evolving.

Is your company poised to take advantage?

Hartford-West Hartford-East Hartford lost 2,500 jobs, followed by Bridgeport-Stamford-Norwalk (-1,100) and Norwich-New London (-200).

Date Thursday, Oct. 10, 2013

Connecticut has recovered 62,200 jobs, or 51.3% of the 121,200 positions lost in the March 2008February 2010 recession.  Read more at gov.cbia.com

Time 8 am–3:30 pm Place Crowne Plaza 100 Berlin Rd., Cromwell

Scan to RegiSteR

Cost CBIA/CPES members, $125 Nonmembers, $225; Students, $50 ➤ Register at cbia.com/events

Human REsouRcEs

Updated Federal FMLA Guidance Reflecting DOMA Decision

T

he U.S. Department of Labor has issued a new fact sheet clarifying an employee’s right to job protected leave when the employee is needed to provide care for his or her spouse.

According to this revised interpretation of the federal FMLA, “(s)pouse means a husband or wife as defined or recognized under state law for purposes of marriage in the state where the employee resides, including “common law” marriage and same-sex marriage.”

Although common law marriage is not recognized in Connecticut, same-sex marriage is, and in response to the recent U.S. Supreme Court decision, the federal FMLA standards will now be consistent with the Connecticut FMLA. Eligible employees at businesses covered by the federal FMLA (50 or more workers) as well as eligible employees at Connecticut FMLA-covered businesses (75 or more workers) will be entitled to job-protected leave time when they are needed

to provide care to a same-sex spouse with a serious health condition.

Such care may involve assisting with medical, safety, or other needs; help in being transported to the doctor; as well as providing psychological comfort and reassurance.  Learn more at cbia.com/hr

FAIRFIELD COUNTY BUSINESS JOURNAL • Week of September 30, 2013 31

YOU’RE INVITED TO THE ONE AND ONLY

CFO OF THE YEAR AWARDS CELEBRATION IN FAIRFIELD COUNTY

Meet and mingle with the nominees, award winners, judges and your business colleagues and join in the excitement when three CFO winners are announced and receive their distinguished awards.

DATE/TIME + LOCATION

OCTOBER 2 | 5:30 P.M. HOTEL ZERO DEGREES 353 MAIN AVE., NORWALK

Complimentary hearty hors d’oeuvres and beverages.

RESERVE NOW

space is limited. Contact Holly DeBartolo (914) 358-0743.

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