Westchester County Business Journal 010217 by Westfair Business Journal

2 | HOME-BOUND JANUARY 2, 2017 | VOL. 53, No. 1

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Strong economy masks families in need: report BY BILL HELTZEL bheltzel@westfairinc.com

The company launched in 2009. That was shortly after its principal, Doug Hertz, a home remodeler at the time, said he was searching for a solar company to work with on a home restoration. He found the options lacking. There was only one company in the area at the time, according to Hertz. He did not reveal its name, but said it has since gone out of business.

estchester is ending 2016 on a positive economic note, but its strengths conceal another reality: one-third of its households cannot afford the basic necessities. That’s according to a study of statewide financial hardships by United Way of New York State. The study of financial hardship is titled ALICE, an acronym for Asset Limited Income Constrained Employed. Researchers combined the federal poverty level — a measurement that is considered outdated and misrepresentative of actual economic conditions – with housing, child care, food, transportation and health care costs. The result is a snapshot of the working poor. Statewide, Westchester stands out for its robust economy. The median household income in 2014 was $83,477. That’s 42 percent better than the state and 56 percent better than the national median. The unemployment rate in November 2016 was 4.1 percent, compared with 4.7 percent in New York and 4.4 percent nationally. And as measured in the United Way study, Westchester households have done better than most places in achieving a survival level. Overall, 44 percent of the households in New York were either below the official poverty line or struggling to afford the basic necessities. The rate in Westchester

» SUNRISE SOLAR, page 6

» UNITED WAY REPORT, page 6

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Bright future

BRIARCLIFF SOLAR COMPANY MARKS 7 BILLION WATT HOURS OF PRODUCTION BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

unrise Solar Solutions LLC will soon install what it says is one of the largest residential projects in Westchester: nearly 1,500 photovoltaic panels at the 205-unit Scarborough Manor co-op in Ossining. The installation is expected to meet about 25 percent of the 1960s-era complex’s power needs, including common areas such as lobbies, hallways, clubhouse

and exterior lighting. The rooftop system at the two sevenstory buildings that make up Scarborough Manor is the latest benchmark for Sunrise Solar, which announced in November that its solar systems had produced 7 billion watt hours. The Briarcliff Manor-based company has built up that production through more than 250 projects in the Hudson Valley. While those projects have mostly focused on residential, Sunrise Solar is now beefing up its portfolio of commercial projects.

Sunrise Solar Solutions principal Doug Hertz outside the company’s Briarcliff Manor office.

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Top Chef Meals carves niche in crowded food delivery market

Paul Ghiron, president of Top Chef Meals and Crystal Spoon Corp., in his company’s Elmsford kitchen where meals are prepared for home delivery. Photo by Ryan Deffenbaugh.

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

op Chef Meals, a recently relaunched home meal delivery service based in Elmsford, started with a single customer: its founder’s dad. Paul Ghiron, president of Top Chef Meals and Crystal Spoon Corp., the latter one of Westchester’s oldest corporate caterers, said one day his father called and asked him to bring home food from the catering service. “Then the next day he calls me again and asks the same thing,” Ghiron said. “By the third day, I say OK, what’s going on?” Ghiron said his father, who lives on his own in Briarcliff Manor, explained that he had limited options for food. He could go to a diner, where the portions were often too big, or shop at the grocery store, where items sold in bulk often went to waste. “I thought, well this sounds like an opportunity here,” Ghiron said. In 2010, he launched Top Chef Meals with a focus on delivering freshly prepared, flash-frozen single meals to seniors in the Westchester area. The company has shifted its operations since then, including work producing meals for diet companies. In 2015, Ghiron decided to relaunch the company with a new website and branding, this time taking the pre-made meal delivery

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concept to a wider range of demographics, including parents, seniors and millennials throughout the U.S. In the past year, Ghiron said, the company has grown its customer base to Texas, North Carolina, Florida and Ohio. Top Chef Meals can deliver from a list of more than 50 meals anywhere east of the Rocky Mountains. Meals are made fresh by a team of chefs and are customizable to accommodate dietary practices such as Paleo and gluten-free diets and any other allergy restrictions. “It’s like having a chef cook a meal for you, at a fraction of the cost,” Ghiron said. The meals are cooked at the company’s 11,000-square-foot facility in Elmsford, flash-frozen and delivered either by courier to homes within the New York region or by FedEx. Delivery is free if customers order 21 individual meals. Meals cost between $6.85 and $7.50 for the company’s standard line, with premium and gourmet lines that run between $7.50 and $16. Ghiron said the new Top Chef Meals has seen quick growth since its relaunch, which will be a crucial part of helping his company through recent financial troubles. Crystal Spoon Corp. filed for Chapter 11 bankruptcy protection and reorganization in February. Ghiron said the bankruptcy came after a diet meal company he had contracted with went out of business, leaving him unpaid for what he said was

several hundred thousands of dollars in services. “We are paying off our debts and continuing on,” Ghiron said. “It’s a long-term process, Chapter 11.” “Top Chef is really what is solving a problem that was from several years ago,” he added. A former Air Force pilot, Ghiron took over the family catering company in 1989, when it was called Execu-Lunch. His parents launched the business in 1973, catering largely to corporate clients in office-park cafeterias. Ghiron changed the company name in 2008 to Crystal Spoon. The company has catered for clients that include Regeneron Pharmaceuticals, St. John’s Riverside Hospital and AVR Realty, Ghiron said. Since relaunching as a food delivery service, Ghiron said Top Chef Meals has grown from $5,000 in monthly sales to $100,000 in November. The company has increased employment from 20 to 57 workers, he said, including new hires for customer service. Ghiron said when he first launched Top Chef in 2010, there weren’t many companies doing home meal delivery of any kind. Since then, home meal and grocery delivery has grown into a billion-dollar industry. Startups such as HelloFresh and Blue Apron have raised hundreds of millions of dollars in venture capital to deliver kit meals, packages with pre-measured ingredients and recipes to be put to use by the customer at home. Even The New York Times this year began selling delivery meal kits linked to its recipe articles. But Ghiron said his company can set itself apart in the growing field, as meals from Top Chef don’t require any cooking other than reheating, are more customizable and target a wider demographic than the often millennial-focused startups. “No one is trying what we are,” Ghiron said. “Everyone is following the kit meal bandwagon.” He said about 70 percent of his customers are between the ages of 40 and 90, with the other 30 percent drawing from the millennial demographic of 18- to 34-year-olds. “It’s young, single people dieting who don’t have time to cook. Or seniors who just don’t want to cook anymore.” The company will soon expand its offerings to family packs, with food portions beyond the single meals that Top Chef now delivers. Ghiron said he’d also like to be able to move into the West Coast market, particularly California, which would require either building a new facility there or licensing the product to another producer.

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GUEST VIEW

BY KATHLEEN RUEN

Teaching empathy to America’s future teachers

s the new acting director of a graduate program in early childhood and elementary education at one of the most liberal colleges in the U.S., I often think about the future of academia and of teacher preparation. The next four years will be a test for higher education across the nation and may be especially challenging for institutions in New York state, where we will be balancing the demands and mandates of a Democratic-dominated state government and a Republican administration in the White House. Sarah Lawrence’s Art of Teaching graduate education program will need to adapt to this change while not losing sight of our mission to keep children at the heart of our practice. Educators in academic settings like Sarah Lawrence need to promote academic freedom, providing multiple points of view to our students. Bringing multiple perspectives to areas of study in our classrooms is important not only so students can develop

a wider view but so they are better equipped to use that philosophy in their own classrooms This fall we studied the presidential election in my curriculum course, and this work helped my students understand the importance of bringing multiple points of view to any study. Although as Kathleen Ruen a group we generally agreed politically, I challenged my students to empathize with voters on the other side. When my students presented their election curriculum plans, based on the New York state social studies standards, I was impressed with the way they were able to translate the content into developmentally appropriate ways. Shaping young educators who will bring empathy and objectivity to the classroom sometimes requires institutions to bring in outside voices and facilitators to help us in this work. On Jan 1 through 21,

administrators, teachers and our current students will participate in an annual two-and -a-half-day training with the People’s Institute for Survival and Beyond called “Undoing, Racism.” Through dialogue, reflection, role playing, strategic planning and presentations, this rigorous program is designed to help participants see how institutions have been affected by racism and how we willingly and unwillingly participate in these systems. Sarah Lawrence is the only college that we are aware of that requires its education students to participate in this intensive workshop. Sarah Lawrence believes strongly that educators need to be aware of the messages they impart to students in the classroom and how those messages may be shaped by personal experiences. For these same reasons, students in Sarah Lawrence’s human genetics and health advocacy pro-

grams are also required to participate since these areas of study can be ethically challenging. The workshop, which will be held at Sarah Lawrence’s campus in Yonkers, is open to the public as well. While the Undoing Racism workshop generally seeks to promote better understanding of what it is like to be a person of color in America, its underlying message is in promoting empathy. What is it like to walk in another’s shoes? This empathy in an important ingredient in shaping students who are true to their values but understand the need to promote open dialogue in the classroom. I hope my academic peers in Westchester County will be able to continue this necessary work of opening up our students’ minds and preparing them to become valued and productive members of our present and future society. Kathleen Ruen is acting director of the Art of Teaching program at Sarah Lawrence College. She can be reached at 914-395-2696 or kruen@slc.edu.

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BRIEFLY

deepen understanding of the disease.” Founded in Israel in 1950, Taro Pharmaceutical Industries Ltd. is a publicly traded company listed on the New York Stock Exchange. Its majority owner is Sun Pharmaceutical Industries Ltd. in India.

TARO PHARMACEUTICAL OF HAWTHORNE SELLS DRUG RIGHTS

TARRYTOWN-BASED PRESTIGE BRANDS ACQUIRING C.B. FLEET

TARO PHARMACEUTICAL INDUSTRIES LTD. IN Hawthorne announced it has sold the U.S. rights to its drug brand Keveyis to Strongbridge Biopharma plc, a commercialstage biopharmaceutical company based in Dublin, Ireland, and suburban Philadelphia that develops and markets therapies for rare diseases with significant unmet need. Taro last spring halted commercial sales and promotion of the drug. Strongbridge in the deal will make upfront and deferred payments of $8.5 million in two installments to Taro. It also stands to receive additional future payments as certain sales unit milestones are achieved. Keveyis, generically named dichlorphenamide, in August 2015 was approved in tablet form by the U.S. Food and Drug Administration to treat primary hyperkalemic and hypokalemic periodic paralysis, a group of rare hereditary disorders that cause episodes of muscle weakness or paralysis and affects an estimated 5,000 people in the U.S., according to Taro. The FDA in 2015 designated Keveyis an orphan drug, effective through August 2022. The designation, which qualifies the drug’s sponsor for tax credits for clinical testing and other development incentives, is given to drugs and biologics intended for the safe and effective treatment, diagnosis or prevention of rare diseases and disorders that affect fewer than 200,000 people in the U.S. or that affect more than 200,000 persons but are not expected to recover the costs of developing and marketing a treatment drug. Taro Pharmaceuticals officials last May announced the company was stopping commercial sales and marketing of Keveyis, but would make the drug available to distributors at no cost for patients with primary periodic paralysis. Although the drug developer expected to treat only a few hundred patients, reaching them proved more difficult than anticipated and sales totaled less than $1 million when halted. Taro officials said Strongbridge expects to commercially launch Keveyis in the U.S. in April. Until then, the Irish company will continue Taro’s compassionate-use program for Keveyis patients. Taro will continue to manufacture the drug for Strongbridge under an exclusive supply agreement at least for the period of the drug’s exclusive orphan status with the FDA. “In maintaining our commitment to patients,” said Taro CEO Kal Sundaram, “we have selected a partner in this sale with the expertise to reach the patients and physicians needed to improve patient outcomes and

PRESTIGE BRANDS HOLDINGS INC., A Tarrytownbased company that distributes overthe-counter and household cleaning products, will acquire C.B. Fleet Co. for $825 million in an all-cash transaction. The deal is expected to close by March and result in pro forma revenues of $1 billion for the company’s 2018 fiscal year. C.B. Fleet manufactures and distributes feminine care and other over-the-counter health care products, including Summer’s Eve and Fleet. Prestige CEO Ron Lombardi said the acquisition of the Lynchburg, Virginia-based company enhances Prestige’s women’s health care platform. Lombardi added that C.B. Fleet is well-positioned for long-term growth and fits into the company’s brandbuilding platform. “We believe the addition of Fleet’s manufacturing facility also provides strategic benefits and cost synergies as we look to expand manufacturing to include current Prestige products,” he said. “Over time, we also expect to take advantage of Fleet (research and development) resources to enhance our new product development capabilities.” Prestige’s brands include Monistat, Clear Eyes and Dramamine. In November, the company reported second-quarter revenues of $215.1 million, up 4.4 percent yearover-year. Barclays acted as exclusive financial adviser to Prestige Brands on this transaction.

AIRCRAFT FACILITY CUTS JOBS AT COUNTY AIRPORT A REPAIR STATION AND SERVICER of private aircraft will close at Westchester County Airport, costing 37 jobs. Executive Jet Management notified the state Labor Department on Dec. 6 that said it would close its operation at the airport by March, citing economic reasons. Executive Jet Management is a subsidiary of NetJets, a Berkshire Hathaway company. Executive Jet Management was formerly known as American Air Service Inc. It was founded in 1977 and is based in Cincinnati. The company last fall notified the Ohio Department of Job and Family Services that it planned to cut 80 jobs and phase out maintenance operations in White Plains and Cincinnati. Affected jobs include senior maintenance technicians, inspectors, managers and shift supervisors. —John Golden, Aleesia Forni, Ryan Deffenbaugh

Citrin Cooperman Corner Your Passport to Business Success

BY ALAN G. BADEY, CPA AND MARK L. FAGAN, CPA CITRIN COOPERMAN School of Business and Fairfield County Business Journal, Citrin Cooperman brought together three leading and iconic business executives. Moderated by Mark Fagan, managing partner of Citrin Cooperman’s Connecticut office, the event featured panelists discussing their careers and hard-earned business expertise. ALAN G. BADEY

MARK L. FAGAN

The history of Westchester and Fairfield Counties can be traced back to well before the birth of the United States. For over 240 years, entrepreneurs have built flourishing businesses, helping to sustain a strong economy, creating jobs, and supporting the long tradition of business growth and prosperity in the area. Over the last 38 years, Citrin Cooperman has had the distinct pleasure of helping local families and companies meet their business and personal goals. Both communities have grown substantially, without losing their entrepreneurial spirit and close-knit feel. Citrin Cooperman has had the fortune to grow similarly. Throughout our growth, one of the firm’s main focuses has been to continue being part of and supporting the local communities from which we’ve stemmed. Last year’s inception of Citrin Cooperman’s Passport to Business Success greatly enabled us to stay focused on our mission to stay true to our roots. This monthly Citrin Cooperman Corner column, focused on leadership, profitability enhancement, starting a business, best practices, and more, is only a part of our local programs for the Westchester and Fairfield Counties. Articles, webinars, panel discussions, seminars, networking events, awards programs, and more, are brought to you through Citrin Cooperman’s Passport to Business Success, which is geared towards local business owners and produced by fellow members of your community. Throughout 2017, our mission is to continue to help you improve your processes, grow your business, and meet your goals. We’ll be sharing stories from our clients so you can learn through others’ experiences, directly from your neighboring business owners. The first client we’ll be featuring is MeritDirect, a leading provider of global multi-channel marketing solutions, based in Rye Brook, NY. MeritDirect’s aggressive growth over the past few years is a direct result of savvy cost saving strategies and successful onboarding and transition strategy for newly acquired firms and clients. In addition to client stories and articles on the business issues we get asked about most, we will also be continuing our marquee events program, which include CEO Evolution, Women at the Wheel, and the Above the Bar Awards.

CEO EVOLUTION

The CEO Evolution is an annual seminar series aimed at identifying and recognizing those CEOs and leaders who have risen to the top and evolved as industry leaders. This event brings together some of the most notable and dynamic CEOs to share their experiences, strategies, and best practices to help others gain insight into becoming better leaders. This past year, in conjunction with the University of Connecticut

WOMEN AT THE WHEEL

The 2016 Driving Your Business: Women at the Wheel event featured three extraordinary millennial women CEOs and executives sharing their management secrets of success at the Westchester Country Club. A warm welcome from Citrin Cooperman Partner Mary Paladino, CPA, kicked off the panel discussion in what promised to be a revealing and informative leadership seminar. Moderated by Chelsea Rosen, manager at Citrin Cooperman, the event featured women leaders sharing their stories about breaking the glass ceiling and succeeding in their respective industries.

ABOVE THE BAR

Co-hosted by Westchester County Business Journal, The Elisabeth Haub School of Law at Pace University, and Citrin Cooperman, the Above the Bar awards honor the best of the best in the Westchester legal community. This past year marked our 10th annual Above the Bar event which honored five leading attorneys and one promising law student. Valuation and Forensic Services Practice Leader, Gary Karlitz served as master of ceremonies for the event.

YOUR LOCAL PASSPORT

We look forward to 2017 and we hope you join us on the journey. Grab your Passport to Business Success and let’s go! To be added to our communications lists to receive invitations to our thought leadership seminars and read our client stories, please contact Laura Di Diego at ldidiego@citrincooperman.com.

ABOUT THE AUTHORS

Alan G. Badey, CPA, CGMA, is the managing partner of Citrin Cooperman’s White Plains office and has over 25 years of experience providing a wide range of tax, business consulting, and profitability consulting services. As a specialist in strategic planning and business consulting, Alan works closely with business owners to develop their companies and translate complex issues into actionable plans. His services extend to a wide array of strategic issues regarding profitability, consulting, mergers and acquisitions, and tax planning. Alan can be reached at 914.949.2990 or at abadey@citrincooperman.com. Mark L. Fagan, CPA, is the managing partner of Citrin Cooperman’s Connecticut office. With over 25 years of audit and business advisory experience, he has developed expertise in mergers and acquisitions, and profitability consulting. Mark counsels businesses and CEOs in a wide range of industries, including technology, financial services, private equity, manufacturing and construction. He can be reached at 203.847.4068 or at mfagan@ citrincooperman.com. Citrin Cooperman is a full-service accounting and consulting firm with 10 locations throughout the Mid-Atlantic region. Visit us at www.citrincooperman.com.

A MESSAGE FROM CITRIN COOPERMAN

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United Way report — » » From page 1

was 34 percent. Only Saratoga, Nassau and Putnam counties fared better. But Westchester’s very economic success makes it harder for a large segment of the population to survive. Living here is expensive. By breaking down the economic data county by county and even city by city, the United Way report reveals how wealth and economic hardships are distributed unevenly in New York. The average single adult in New York, for instance, needs to make $21,540 a year, or a $10.77 hourly wage, to afford the basic necessities. In Westchester, the single adult needs to make $22,680, or $11.34 an hour to get by. A family of four — two adults, an infant and a preschool child — must make $62,472, or $31.24 an hour, on average, in New York. In Westchester, the family needs at least $77,892, or $38.95 an hour, to make a modest living. The minimum wage will increase to $10 an hour in Westchester and $9.70 an hour in most of the state at the end of the year.

Sunrise Solar — » » From page 1

“I thought, wow, that’s so bizarre. They have a monopoly,” he said. “That’s an opportunity.” Hertz took a year off for training and became certified with the North American Board of Certified Energy Practitioners. He then teamed up with a work associate, Eric Messer, who also had a background in the construction business, to launch Sunrise Solar Solutions. In the seven years the company has been operating, it has grown to a staff of 30. But that doesn’t mean solar was always an easy sell. “Solar is an ambiguous product,” Hertz said. “You can go flip on your light switch and you get power, so it’s not something you need. You already have the service. So why would someone opt for an alternative form?” In the early going, the answer to that question largely came from the environmental benefits. Hertz said most early adopters were environmentally conscious, with money to spend. “But what we’ve seen in the last few years is that early-adopter mindset overtaken by people who now consider solar a mainstream option,” Hertz said. “Often, customers can look at it for financial ben-

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The biggest challenges in Westchester, compared with statewide averages, are child care, housing and taxes. Families have to budget more than 50 percent higher in those categories. Housing, for example, costs $1,449 a month, or 58 percent more than the $919 a month statewide. There are also discrepancies within the county. About 55 percent of households in Mount Vernon, 45 percent in Yonkers and 40 percent in New Rochelle are below the livability threshold. The break-even line is 7 percent in Scarsdale, 11 percent in New Castle and 13 percent in Armonk. Households that are unable to make ends meet are forced to make difficult choices, United Way says. People cut back on health care, child care, healthy food or car insurance and jeopardize their health, safety and futures. Their communities pay a price in higher taxes, higher insurance premiums and lower productivity. The challenge, United Way says, is to implement structural economic changes that will enable working households to support themselves. The study is designed as a tool to help policymakers, community leaders and business leaders to understand the financial hardships and create lasting change.

efit: can you provide me with energy at a lower cost?” That mainstreaming has been driven in part by the continuing reduced costs of solar panels. Hertz said he has seen an eightfold decrease in the average cost of a system since his company launched. The state and federal governments have also incentivized the purchase of residential and commercial solar systems. New York runs programs such as NY-Sun and Green Jobs, Green New York aimed at boosting solar energy production. The state Public Service Commission also approved this past summer the Clean Energy Standard, which mandates the state receive at least half its energy from renewable sources by 2030. One tenet of the initiative will require utilities to buy a set amount of renewable energy credits from the New York State Energy Research and Development Authority each year to help fund clean energy projects. “New York has become the most progressive state in the U.S. in terms of solar power,” Hertz said. NY-Sun helps finance Solarize initiatives throughout the state, a public-private partnership that runs time-limited campaigns aimed at aggregating solar markets in various communities. Solarize Westchester, through two rounds of campaigns, has signed up more than 400 homeowners and businesses in 16 municipalities in the county through the program. Sunrise Solar was

selected for six of those communities, and also had Solarize installation contracts in Duchess, Putnam and Rockland counties. Installers are chosen through a competitive bidding process.

Solar is an ambiguous product. You can go flip on your light switch and you get power, so it’s not something you need. You already have the service. So why would someone opt for an alternative form? —Doug Hertz

“The Solarize programs provide a very important role, which is information and trust,” Hertz said, adding that potential solar customers are often inundated with marketing materials from installers. “(Solarize) can cut through that noise level, which can at times be very, very confusing,” he said. The company is also targeting a new

type of solar in the state, often referred to as community-distributed generation. These types of projects allocate renewable energy from one solar array to residential and business consumers who may want locally generated solar power but do not wish or are unable to accommodate solar panels. Community distributed projects have been encouraged in New York through a state initiative started last year called Shared Renewables. Sunrise Solar recently completed a 523panel megawatt community distributed generation project in Kingston that Hertz said is one of the first projects of its kind in the state. He also presented plans in White Plains and Mount Kisco to potentially launch community distributed solar projects at landfills in the city and village. “We can create energy and have a mechanism to get (solar energy) to customers who couldn’t get it otherwise,” Hertz said, adding that he estimates no more than 20 percent of Westchester homes are suitable for solar because of shade, incompatible roof materials or simply roof size as barriers. Hertz said the mindset of today’s solar buyer often combines the early adopter mindset — focused on the environmental benefits — and the more recent emphasis on energy cost savings. “We’ll have to continue to prove our case for every part of this,” Hertz said.

ASK ANDI

BY ANDI GRAY

Lowering the debt load My goal for this coming year is to have the company get debt free. We have to come up with a plan on how to pay off our lines with suppliers and the bank. What’s the best way to do that? THOUGHTS OF THE DAY: Pay off debt and build up cash reserves at the same time. Figure out how much is reasonable debt, how much is too much. Make a budget based on realistic assumptions. Lower the most costly loans first. The goal is to eventually get the business financially strong enough that you can use other people’s money because you choose to, not because you have to. Why do you want to use debt instead of asking investors to chip in and take shares in exchange? Because generally the cost of

debt is much lower than the cost of equity. A budget is a tool that every business owner needs to have in place, to plan how the finances of the business are going to work. Work from the bottom up, including things such as tax payments on profits, profit distribution to shareholders, paying off debt and building up cash reserves. Once you figure out what you can afford to pay toward debt every month, split it in half. Pay half toward debt; half goes into savings. Why do you want to build up savings while you’re trying to pay off debts? Savings have a greater value to your business than a mere reduction in debts. Because of the way lending ratios work, savings can have a multiplier effect. Know your ratios. There are various ratios, and any good banker will help you figure out which ones you should be looking at regularly. There are two ratios that we look at all the time. The first is the current ratio: current assets divided by current liabilities. Always have current assets worth at least twoand-one-half times what you have in cur-

rent liabilities. Current liabilities typically include credit card debt, accounts payable and lines of credit. Current assets typically include cash, bank account balances and accounts receivables. The second is the debt-to-equity ratio: total liabilities divided by shareholders’ equity. Keep debt under two times equity. Equity is the value of the shares of the company. Debt is all debt, including current liabilities, leases and loans. If your debt-toequity ratio is okay, but your current assets to current liabilities ratio is off, see if you can convert some of your current liabilities into a long-term loan so you can slowly pay it down over time. As you work to pay off debt, take the indirect route. Build up value in the business by putting $1 toward savings as you put $1 toward paying off debts. It may take you longer to get rid of debt, but the business will be safer. Put savings into an account that you don’t dip into. Make a plan to pay off your debt over time, starting with the most costly loans first. Keep in mind that this may not mean the highest amount outstanding to an indi-

vidual lender. Evaluate the interest rate you’re paying on every credit card, loan and line of credit. Automate your debt payments, either through online payment systems or internal controls. Make a plan to pay off debt using a set percentage of the income you receive. Making these controls automatic will mean less temptation to try and pay your loans at the end of the month when you’ve already allocated that money elsewhere. LOOKING FOR A GOOD BOOK? Try “Save Money: 52 Ultimate and Easy Ways to Save Money: How to save thousands and get out of debt fast” by Kristy Rowen. Andi Gray is president of Strate�y Leaders Inc., Strate�yLeaders.com, a business consulting �irm that teaches companies how to double revenue and triple pro�its in repetitive growth cycles. Have a question for AskAndi? Wondering how Strate�y Leaders can help your business thrive? Call or email for a free consultation and diagnostics: 877238-3535, AskAndi@Strate�yLeaders.com. Check out our library of business advice articles: AskAndi.com

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JANUARY 2, 2017

Astorino says Westchester complies with affordable housing settlement BY ALEESIA FORNI aforni@westfairinc.com

estchester County has complied with benchmarks set as part of a housing settlement reached with the U.S. Department of Housing and Urban Development, County Executive Robert P. Astorino told a news conference on Dec. 27.

Under the 2009 settlement, which was the result of a lawsuit that claimed the county promoted discrimination by ignoring local zoning restrictions, Westchester had until the end of 2016 to obtain permits for 750 affordable units in 31 mostly white communities. If the county failed to meet those requirements, it could have faced hundreds of thousands of dollars in fines. “We met our goals because we worked cooperatively with our cities, towns and

villages,” Astorino said. “That approach allowed us to succeed and push back attempts by the federal government to bypass home rule and take over local zoning.” Astorino said the county has permits for 790 units, with another 100 units in the pipeline. About 400 of those units are already occupied, he said. County Board of Legislators Minority Leader John Testa, R-Peekskill, applauded

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Astorino for exceeding the requirements of the settlement. “With this settlement behind us, I look forward to continuing the development of affordable housing in Westchester County because our residents need it and it makes our communities better,” he said. “It will be a much more positive and productive endeavor without the federal government’s interference.” The board’s Majority Leader Catherine Borgia, D-Ossining, said that while the county’s compliance is positive news, government officials must ensure going forward that housing is built with the best interests of all taxpayers in mind. “I’m encouraged that the county executive will no longer be able to use this housing settlement as a politically divisive way to further his personal ambitions and that taxpayer money will no longer be spent on lawyers fighting with the federal government,” Borgia said. “The end of the settlement is a perfect opportunity to conduct a true, fact-based housing needs assessment to determine the types of housing needs to be built to meet the changing needs of our county.” The Westchester Workforce Housing Coalition, an organization composed of nonprofit and business groups, agreed that the settlement order is a small step toward a larger goal. “In a county with nearly the same amount of land as all five boroughs combined, we should not be content with doing 107 affordable units a year for seven years,” said Alexander Roberts, co-founder of the coalition. “This doesn’t even scratch the surface of what’s needed.” With the housing benchmarks met, Astorino said only “peripheral” tasks remain, including an analysis of impediments. The Department of Housing and Urban Development previously rejected eight versions of the county’s analysis of impediments, which identifies issues that could impede building fair housing in Westchester. Still, the county hopes to obtain its approval by early next year.

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THELIST: INSURANCE AGENCIES

INSURANCE AGENCIES

WESTCHESTER COUNTY AND REGION

Ranked by the number of licensed brokers in the county. Listed alphabetically in the event of a tie. Name Address Area code: 914, unless otherwise noted Website

Strategies for Wealth

Assured SKCG Inc.

123 Main St., 14th floor, White Plains 10028 761-9000 • skcg.com

330 Fifth Ave., Pelham 10803 738-4011 • efk.com

500 Mamaroneck Ave., Harrison10528 381-5511 • keevily.com

(d.b.a The Rollins Agency, d.b.a. Gaston & Associates) 800 Westchester Ave., Suite N-311, Rye Brook 10573 337-1833 • rollinsinsurance.com

800 Westchester Ave., Suite N409, Rye Brook 10573 288-8800 • strategiesforwealth.com

Top local executive(s) Email address Year agency established Josh Becker, Jerry Harnik Kelley Biondi kbiondi@strategiesforwealth.com 1934 Thomas R. Kozera Richard S. Canter rcanter@skcg.com 1932

Number of licensed brokers in county

Number of employees in county

130

Business and estate planning, business succession planning, disability and life insurance, investments, executive compensation, employee benefits, corporate retirement services, corporate education program and corporate executive benefits

66 (180 in New York state)

Property and casualty, employee benefits, retirement plans, individual life and disability and private client services

Eifert, French & Ketchum

Brian H. Eifert brian@efk.com 1933

Personal, business, property and casualty, life and health, long-term care

Keevily Spero Whitelaw Inc.

Kenneth W. Kaufman, Thomas F. McEvily III, Michael McEvily 1928

Business and personal insurance, workers' compensation safety groups, life and disability, health insurance, group benefits and long-term care

Brown & Brown of New York Inc.

Markham F. Rollins President, Westchester office mrollins@abbinsny.com 1910

Risk management, analysis and advice, claims management and disaster recovery

Levitt-Fuirst Associates Ltd.

Jason Schiciano, Ken Fuirst info@levittfuirst.com 1969

Business and personal, workers' compensation, liability, property, auto, special programs for construction and real estate industries

York International Agency LLC

Robert Kestenbaum, CEO; James Krantz, chairman; and Michael A. Bodack, president rkestenbaum@yorkintl.com 1985

Property and casualty, life, group benefits, risk management, environmental and personal, including automobile, flood, earthquake and umbrella

Friedlander Group Inc.

Adam Friedlander adamf@friedlandergroup.com 1926

Workers' compensation group discounted programs, workers' compensation claims reduced services and New York state disability benefits Workers' Compensation Group Discounted Programs

Rosen & Company Inc.

Stephen B. Rosen sbrosen@rosen-co.com 1967

Commercial property and casualty and personal insurance, including private client services

Allan Block Agency Insurance

JoAnne Murray, Edward L. Schultz jmurray@ambins.com 1959

Property casualty insurance for automobile, home, business, nonprofits and group and life insurance and benefits for individuals and groups

Joseph T. Palancia, Benjamin J. Palancia and Mark Palancia ben@palanciainsurance.com 1954

Property and casualty insurance, specializing in construction, restaurants and real estate, professional liability, workers' compensation, personal automobile, homeowners and umbrella

7 (Eight additional offices throughout Putnam, Dutchess and Orange counties)

Property and causality, liability, cyber, medical, dental, vision, life, prescriptions, home, automobile, umbrella, workers’ compensation, fidelity and fiduciary bonds and specialty risks

Personal and commercial, life and health and group health

Personal insurance, business insurance, financial services, group insurance and employee benefits

520 White Plains Road, Second floor, Tarrytown 10591 457-4200 • levittfuirst.com

500 Mamaroneck Ave., Suite 220, Harrison 10528 376-2200 • yorkintl.com

2500 Westchester Ave., Suite 400, Purchase 10577 694-6000 • friedlandergroup.com

145 Bedford Road, Armonk 10504 939-1200 • rosen-co.com

24 S. Broadway, Tarrytown 10591 631-4353 • ambins.com

116 Mamaroneck Ave., Mamaroneck 10543 698-1373 • palanciainsurance.com

12 13

Albert Palancia Insurance Agency

Marshall & Sterling Enterprises Inc.

280 N. Bedford Road, Mount Kisco 10549 962-1188 • marshallsterling.com

Forbes Insurance Agency 135 Bedford Road, Katonah 10536 232-7750 • forbesinsurance.com

Murray, Schoen & Homer Inc.

800 Westchester Ave., Suite N603, Rye Brook 10573 632-8989 • homerinsurance.com

All forms of commercial and personal insurance, group employee benefits, individual life, disability income and long-term care

Rey Insurance Agency Inc.

Linda Rey and Laura Rey Iannarelli linda@reyinsurance.com 1978

Business, life, automobile, homeowners and umbrella

RPO Group Inc.

Rory P. O'Brien robrien@therpogroup.com 1988

Employee group benefit plans, executive life and disability, individual insurance products

Four Anchors Worldwide LLC

Bob Furjanic contact@fouranchors.com 2007

Cargo, hull and machinery, protection and indemnity, marine liabilities, yacht, aviation

The Hack Agency Inc.

Nancy M. Hack, William A. Greene nhack@hackagency.com 1918

Claudia Zamora Mike Christastie mike@christastie.com 1922

Long-term care, business, home, life, workers' compensation, automobile, health, renters, liability

9, Hudson Valley

Automobile, home, business, umbrella, automobiles and recreation vehicles, fine arts, workers' compensation, director and officers, professional liability, accident and health, life, group benefits, long-term care, disability

21, Putnam County 2, Westchester

Personal and business insurance, national self-storage insurance program, surety and fidelity bonding, employee benefits and life insurance

5, Hudson Valley

6, Hudson Valley

444 Bedford Road, Suite 305, Pleasantville 10570 630-4992 • fouranchors.com

280 N. Bedford Road, Suite 306, Mount Kisco 10549 666-6461 • hackagency.com

State Farm Insurance

359 E. Main St., Suite 1C, Mount Kisco 10549 666-8963 • christastie.com

Not ranked

Gary Forbes, president Chris Radding, partner g.forbes@forbesinsurance.com 1885/1999 Robert M. Homer, president and commercial lines manager, and Leslie M. Homer, vice president and personal line manager ghomer@homerinsurance.com 1906 Robert A. Davis rdavis@arnoldkdavisinsurance.com 1954

245 Main St., White Plains 10601 761-0550 • therpogroup.com

Tim Dean Deke Rothacker drothacker@marshallsterling.com 1864

Arnold K. Davis Insurance

330 Fifth Ave., Pelham Ave. 10803 701-5200 • arnoldkdavisinsurance.com

219 N. Broadway, Sleepy Hollow 10591 631-7628 • reyinsurance.com

Antalek & Moore Insurance Agency LLC

Pat Moore, Fredrick Antalek, Susan Pagones info@antalek-moore.com 1853

Bruen Deidin DiDio Associates Inc.

Dave Bruen, Jeffrey Deldin dbruen@bddinsurance.com 1960 Todd Jannotti, president Niki Macaluso, vice president of sales info@jiabenefits.com 1970 Neal Sullivan president info@callsullivan.com 1968

340 Main St., Beacon 12508 845-831-4300 • antalek-moore.com

3 Starr Ridge Road, Brewster 10509 845-279-5151 • bddinsurance.com

Jannotti Insurance Agency 20 Browns Drive, New Windsor 12553 845-564-2942 • jiabenefits.com

Sullivan Insurance

421 Route 6, Mahopac 10541 845-628-9604 • callsullivan.com

This list is a sampling of insurance firms that serve the region. If you would like to include your firm in our next list, please contact Danielle Renda at drenda@westfairinc.com. NA

Types of insurance sold

Not available.

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Personal auto, home, valuables, umbrella liability insurance; commercial liability, propert and workers' compensation insurance

Business insurance, including group employee benefits, individual medical insurance, Medicare, life insurance, accident and disability and claims Automobile, home, business, property and casualty, life and commercial, financial services

SPECIAL REPORT

EDUCATION BY JOHN B. KING JR.

An educator’s valedictory call to unity in public education

John B. King Jr.

Editor’s Note: U.S. Secretary of Education John B. King Jr. delivered the following remarks in a Dec. 14 speech at the Center for American Progress in Washington, D.C. King assumed the Cabinet post last March after serving �ive years as New York state education commissioner under Gov. Andrew Cuomo. President-elect Donald Trump has named Betsy DeVos as King’s successor. DeVos is an advocate for expanded charter schools and school voucher programs for private education. The speech has been edited for length.

know you are all working hard to bring about the day when the quality of educational opportunities available to our children is not determined by their race or zip code, the language they speak at home or their family income, their immigration status, or whether they have a disability. I also know that you believe, as I do, that education is a ladder. Rung by rung, it helps people reach places that would otherwise be an impossible climb. When individuals have the chance to reach great heights, our society and way of life become stronger and better with every step they take. So, today, I am here to ask you to act boldly on those beliefs. For all who believe

that strong, equitable public education is central to a healthy democracy and a thriving economy, now is the moment for us to set aside the policy differences that we have let divide us and move forward together courageously to defend and extend this fundamental American institution. You’ve seen the powerful results that courage and hard work can deliver. I’ve seen them too, throughout my career as a public school educator. I’ve seen them in the District of Columbia and in the 31 states I have visited since coming to Washington. And, as you may know, my life offers more proof. New York City public school teachers quite literally saved my life. During the period when I lost both parents at an early age, they gave me a haven. They challenged me with high expectations and a rich, wellrounded curriculum; they provided me with hope in a time of despair; they helped me thrive and become the person I am today. So, my commitment to this work is personal. It’s also rooted in my background as a high school social studies teacher and a student of history. American history, like all human history, includes advances toward and retreats from our highest ideals. The history of public education in America also is a stutter-step toward ambitiousness, inclusiveness, equity and excellence. But, make no mistake; education has always been central to our progress. Education gave Thomas Jefferson and Alexander Hamilton the tools and the vision to transform a colonial outpost into a great and powerful nation that inspires people across the globe. It allowed William Lloyd Garrison and Frederick Douglass to challenge the institution of slavery. Education inspired Susan B. Anthony to demand the right of women to help shape our democracy with their votes. And it was education that helped Martin Luther King Jr. and John Lewis find the words and the bravery to inspire a generation to march toward a brighter and more equal future.

But the work of “forming a more perfect union” continues, as it ever has and always must. We must continue to press on, firm in the knowledge that when we pull others up, they do not pull us down. When the light of opportunity shines on those who lack it, it does not dim for those already in its glow. The light of opportunity shines more brightly and more widely today than it did eight years ago. Thanks to the hard work of teachers and leaders, students and families, policymakers and advocates, the graduation rate is 83 percent, an all-time high, achievement gaps are closing particularly in science and the most recent college graduating class was the largest and most diverse in our history.

CHALLENGES AHEAD

But, for all our progress, more is required to meet the challenges our nation will face in the years to come. Too many students still don’t finish high school and when they do, too many aren’t ready for college. The relationship between poverty and educational achievement in the U.S. is among the strongest in the world. Ensuring more Americans get the knowledge and skills needed to succeed in our country matters more than ever. As recently as the 1970s, people with only a high school education could qualify for nearly three-quarters of the nation’s jobs. Today, that number is below 40 percent. One recent analysis found that 95 percent of the jobs created since 2008 required some postsecondary education or training. Think about that. If you didn’t finish high school — or even if you graduated — you can knock on 95 doors looking for a job before one opens. And everyone else without higher education will be trying to squeeze through those last five doors alongside you. It is not enough for those already prosperous to prosper. Unless we are ensuring that all Americans can meaningfully participate in our nation’s growth, our nation will not succeed. The simple fact, confirmed

by the research, is that reducing income inequality positively influences economic output. When everyone has a fair chance, whole societies are healthier, better off and more productive. I know some will argue that equity conflicts with liberty. But it’s not liberty when the happenstance of birth binds a child to a life of limited possibilities. True liberty is the opportunity to take our lives as far as our drive and talent allow. The pledge of allegiance, heard in American classrooms each day, affirms that in this republic, liberty and justice are the dual and enduring birthright, not of some, but of all. As long as that pledge stands, we can never separate the quest for liberty from the fight for social and economic justice.

PURSUING A COMMON GOAL

You already know the key is education. And you know that making this vision a reality will take more hard work. But it is work we can do — together. Today we have a choice to make. We can continue to argue amongst ourselves about our disagreements. Or we can work together in pursuit of larger goals. Now, I am not saying that we have to agree on every tactic or strategy. We won’t. But I am saying that we can reject false dichotomies and disparaging rhetoric. We can stop questioning our allies’ intentions and fight side by side for the belief that every student in America has the right to a great public education. The passage of the new bipartisan Every Student Succeeds Act, or ESSA, marks a perfect time to set aside old debates and move forward together. I think most of us can agree that the top down, one-size-fits-all approach of No Child Left Behind was a blunt tool, ill-suited to a nuanced task. ESSA, on the other hand, rightly empowers state and district leaders to develop strategies that address their unique challenges and needs. This exciting new flexibility could usher in a wave of innovation and improvement in educa» KING, page 12

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King — » » From page 11

tion — and we should embrace it. But that doesn’t mean every district should go it alone without guardrails for protecting students, guidelines for carrying it out or the good ideas forged by peers through years of trial and toil. Indeed, ESSA is fundamentally a civil rights law — an extension of the promise of educational equity made in the original Elementary and Secondary Education Act of 1965. We, as leaders, can embrace the potential of this law and do the hard work to see that it is implemented in a way that delivers on that promise. Or, we as a field can fall back on what’s easy — to cling to cynicism and take comfort in the status quo. Nearly every state in the country has established college — and career-ready standards. But we must fight the inevitable efforts to water down those expectations and undercut our efforts to improve education systems when the work gets hard. More importantly, we have to invest in schools and teachers so they can help students meet those standards. And we must have the courage to hold ourselves accountable for their success. Without accountability, standards are meaningless and equity is a charade. Often, when folks hear the word

“accountability” in education, they think of tests and consequences. But our choice isn’t between “test-and-punish” policies based on redundant or poor-quality assessments, or “wish-and-hope,” with no tests and little insight into how, or whether, our children are learning. Those of us who have stood up for reasonable assessment have a responsibility to make sure tests are better, fairer and fewer, as President Obama has called for. But we can do that while providing teachers and families with valuable information about how students are doing. And we can do it without overburdening students or crowding out instruction. So let’s agree there’s a balance to be struck. Let’s encourage states to use only the highest-quality assessments: assessments that help students demonstrate what they are learning through critical thinking, creativity and problem solving rather than rote memorization. And then let’s recognize that meaningful accountability is about so much more than tests. Together, let’s help states develop accountability systems that are rich and varied — that include measures such as chronic absenteeism, access to and success in advanced courses or new approaches to discipline that help students improve their behavior and their academic achievement. As we choose to strike a better balance on accountability and testing, let’s also resist a false choice between allowing pub-

Fordham offers prestigious graduate, undergraduate, and professional development programs at its Westchester campus.

Westchester

lic charter schools and supporting traditional public schools. Our primary concern shouldn’t be the management structure of schools; it should be whether they serve all students well.

PUBLIC CHARTER SCHOOLS AS INNOVATION LABS

Some of the best schools in places like Newark, Los Angeles and the Rio Grande Valley are public charter schools that are closing achievement gaps and preparing graduates who finish college. And as I saw last week in Boston, charters and district schools in many places are forming partnerships allowing them to learn from and be inspired by one another. If we believe that public schools will always be the bedrock of American democracy and opportunity — and I do — we should welcome good public charter schools as laboratories for innovation that can benefit all of education. And supporters of public charter schools — myself included — must recognize the grave threat that ineffective ones pose to the entire sector. Supporting public charter schools and supporting district public schools means demanding quality for both. Here’s another false dichotomy: teachers are either exalted as the singular solution to all our education problems or they are criticized for failing to solve them singlehandedly. We can make a better choice:

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we can recognize that teaching is an incredibly difficult job. Teachers make dozens of decisions every minute, hundreds during a school day and thousands every week. We can invest in teachers’ preparation and development and welcome their expertise and leadership in issues that affect their students and classrooms each day. Over the past two years, I’ve had countless conversations with teachers here in DC and across the country. To a person, they talk about becoming teachers to find the best in every child and help realize that potential. But I also hear their frustrations with the crush of paper work and the hours wasted in unhelpful in-service meetings or drive-by professional development sessions. I hear about how they crave the insights of trusted colleagues who, having watched them work, can suggest a different way to ask a question or a project that they might have assigned instead of a worksheet. And I remember how hard it is to find time to hone your craft when you can’t even carve out a minute to use the bathroom between classes. Teachers need more resources and the higher pay they surely deserve, particularly those serving the highest-need students. But we also need to make sure they have the space and opportunity — the clinically rich preparation, the collaboration time,

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400 Westchester Ave. | West Harrison, N.Y. | 914-FORDHAM | fordham.edu/westchester 12

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» » KING, page 14

MS in Business Analytics and Project Management Coming to Stamford fall 2017

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King — » From page 12

the career ladders — to help them do what they joined the profession to do.

ADDRESSING THE MONEY GAP

But there are two more issues that we haven’t always had the courage to address. First, even successful strategies will fail without the funds to back them up — especially in the schools and neighborhoods where change is most needed. Money is never the only answer, but money does matter. It pays for higher salaries and for school counselors. Money builds science labs and repairs leaky roofs. Yet, in districts all across the country, students who need the most still get the least. It’s even worse when you look across district lines. Many children in Detroit or Chicago or Philadelphia can only dream of having the types of public schools that their peers a few miles away enjoy every day.

Federal dollars cannot begin to offset these inequalities. Yet, even a modest proposal to ensure that federal funds reach the students they are meant for has faced fierce opposition inside the Beltway. But that’s just the start of the conversation we need to be having about equitable access to resources. It’s not about one parent’s child over another’s, or one community’s needs over another’s. It’s about choosing to invest in each other. Because we can’t build fences high enough to divorce our own children’s fate from that of children who live across town or across state lines. As a nation, we share one destiny.

IMPROVING ACCESS AND AFFORDABILITY

That brings me to one more choice: between inclusion and segregation. This is among the most charged topics in education — and one we must confront. Our nation and our world are growing more diverse and interconnected. We need to recognize the multicultural makeup of our

country as an asset, not a liability. This means we need schools that embrace diversity. Diverse schools are great preparation for all students. They help more children succeed, help broaden students’ perspectives, and help prepare them to participate in a global workforce. And I am convinced that the growing conflicts in this country over race and religion and language would be profoundly reduced if our children were able to learn and play alongside classmates who were different from themselves and if they regularly encountered teachers and leaders of color in their schools. Now, given the pitched battles of recent years in K-12, the goals of increasing access to preschool and college completion might seem tame by comparison. But here, too, we have hard work to do and hard choices to make. There is a growing bipartisan consensus toward increased access to preschool, as well there should be. But our choices don’t end there, because access alone is not enough. The harder work before us is to

What will ecome? Victoria Hervieux ’18 Elementary Education, M.S.

Our graduates are fulfilling their dreams and changing the world in exciting and rewarding professions. Come discover the opportunities that await you on our 50-acre, seaside campus. Learn more at www.bridgeport.edu 14

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ensure consistent quality for all students, because access to low-quality programs is no access at all. We’ve seen similar momentum toward access to free community college and mitigating student debt to put a college degree or career credential within reach for every student. We must continue to invest in making college more accessible and affordable. And that starts by refusing to turn back the clock to a time when tens of billions of dollars intended to help students went instead to wasteful subsidies for big banks. But we do students — and the nation — a disservice if we focus on access and affordability without also supporting completion. Across the country, some schools — from the City University of New York’ ASAP program to Georgia State to Arizona State University — are doing whatever it takes to help more students of every background enroll in college, stay on course and earn their degrees by providing personalized, ongoing support and advising. We need to push more college, system and state leaders to step up and adopt such evidence-based practices. But there are also schools that deceive students, derail their dreams and defraud families and taxpayers. There’s no place for those schools in America. We have cracked down on these predatory institutions and that work, too, must continue. Because the most expensive degree is still the one that you never complete, or the one not worth the paper it’s written on. None of the challenges I’ve mentioned today are easy, but here’s the thing: solving them is not a mystery. The answers are out there. While we need to continue to encourage innovation and use what we learn to keep improving, we don’t have to wait for some brilliant scientific or technological discovery. Instead we need to act on evidence and act boldly, urgently and courageously.

UNITED IN SOLUTIONS

And that means being united. From teachers in the classrooms to business leaders and elected officials to union leaders, from parents in Tulsa to community activists in Baltimore, we must all be a part of the solution. We may disagree about tactics and strategies, but, as advocates of public education, we cannot afford to disagree about the need to make choices that reflect the best interests of students and to push ahead bravely. Because for our children, it’s literally a matter of life and death. It was for me. We can fight small battles tenaciously and default to easy solutions. Or we can summon the will to work together on the big issues and be rewarded with an even greater, fairer, more prosperous nation to pass on to future generations.

FACTS & FIGURES BANKRUPTCIES MANHATTAN 919 Prospect Ave. LLC. 2 W. 45 St., Suite 1704, New York 10036. Chapter 11, voluntary. Represented by Avrum J. Rosen. Filed: Dec. 22. Case no. 1613569-scc. Club Ventures III LLC. 4 Astor Place, New York 10003. Chapter 7, voluntary. Represented by Alice Pin-Lan Ko. Filed: Dec. 23. Case no. 16-13581-mg. Taxopark Inc. 25 E. 86 St., Apt 9F, New York 10028. Chapter 7, voluntary. Represented by Michael J. Naporano. Filed: Dec. 23. Case no. 16-13570-mkv.

COURT CASES Bayer HealthCare Pharmaceuticals Inc. Filed by Jamika Dotson. Action: diversity-product liability. Attorneys: Teresa A. Beckler and Patricia Ann Traina. Filed: Dec. 23. Case no. 7:16-cv-09902-CS. FDR Services Corp. of New York. Filed by the trustees of the Laundry, Dry Cleaning Workers and Allied Industries Retirement Fund, Workers United. Action: E.R.I.S.A.– delinquent contributions. Attorney: David C. Sapp Jr. Filed: Dec. 23. Case no. 7:16-cv09877-KMK. Goldens Bridge Fire Department. Filed by Arch Insurance Co. Action: personal property. Attorney: Bradley J. Levien. Filed: Dec. 23. Case no. 7:16cv-09921. Navigators Group Inc. Filed by Jennifer Yang. Action: federal question – employment discrimination. Attorney: Daniel Jordan Kaiser. Filed: Dec. 22. Case no. 7:13-cv-02073-NSR-LMS. Nayyarsons NYC Corp. Filed by the trustees of the National Retirement Fund. Action: E.R.I.S.A.– withdrawal liability. Attorney: David C. Sapp Jr. Filed: Dec. 23. Case no. 7:16-cv-09910CS.

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

PV Tax & Cargo Services Inc. Filed by Atax Franchise Inc. Action: trademark infringement (Lanham Act). Attorney: Aaron Van Nostrand. Filed: Dec. 22. Case no. 7:16-cv-09851-CS. Takata Corp. et al. Filed by Sarah B. Rosenwasser. Action: diversity(citizenship). Attorney: James Rocco Peluso Jr. Filed: Dec. 23. Case no. 7:16-cv-09912-CS.

DEEDS Above $1 million 27 Claremont Avenue LLC, White Plains. Seller: Kitchen Concepts Defined Benefit Pension Plan, Rye. Property: 27 Claremont Ave., Rye. Amount: $1.1 million. Filed Dec. 21. 344-54 Realty LLC, New Rochelle. Seller: 344 Webster LLC, Long Island City. Property: 344-354 Webster Ave., New Rochelle. Amount: $1.1 million. Filed Dec. 23. 401 Columbus Holdings LLC, Hawthorne. Seller: Metro NY-Office LLC, Los Angeles, Calif. Property: 401 Columbus Ave., Mount Pleasant. Amount: $2.8 million. Filed Dec. 21. 94 Carleon LLC, New Rochelle. Seller: The Christine W. Herrman Revocable Trust, Larchmont. Property: 94 Carleon Ave., Mamaroneck. Amount: $1.1 million. Filed Dec. 22. Avalon Fieldstone Property LLC, Hartsdale. Seller: M. Webb Associates LLC, Sea Cliff. Property: 99 Fieldstone Drive, Greenburgh. Amount: $1.4 million. Filed Dec. 21.

ON THE RECORD

RITG LLC, Great Neck. Seller: HH and ENH LLC, New York City. Property: 3 Lounsbury Road, Bedford. Amount: $1.1 million. Filed Dec. 22.

M2 Premier Properties LLC, West Harrison. Seller: U.S. Bank N.A. Property: 31 Fox Hill Road, Cortlandt. Amount: $192,000. Filed Dec. 21.

103 Park Hill Realty LLC, Yonkers. Seller: Fausto Camarneiro, Yonkers. Property: 103-105 Park Hill Ave., Yonkers. Amount: $825,000. Filed Dec. 21.

National Residential Nominee Services Inc. Seller: Andrew L. Carey, et al, Pleasantville. Property: 16 Underhill Road, Mount Pleasant. Amount: $415,000. Filed Dec. 22.

195 Gibson Avenue Holdings LLC, Chappaqua. Seller: 195 Gibson LLC, White Plains. Property: 195 Gibson Ave., Greenburgh. Amount: $430,000. Filed Dec. 21.

Orchard Fairview Holdings LLC, Monsey. Seller: Franmar Realty Corp., Yonkers. Property: 54 Fairview St., Yonkers. Amount: $660,000. Filed Dec. 23.

195 Gibson Avenue Holdings LLC, Chappaqua. Seller: 195 Gibson LLC, White Plains. Property: Prospect Ave., Greenburgh. Amount: $10,000. Filed Dec. 21.

Orchard Fairview Holdings LLC, Monsey. Seller: Orchard Place Holdings Inc., Yonkers. Property: 12 Orchard Place, Yonkers. Amount: $975,000. Filed Dec. 23.

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

209 Walnut LLC, Tarrytown. Seller: Tiffney Tribble, et al, Peekskill. Property: 209 Walnut St., Peekskill. Amount: $245,000. Filed Dec. 21.

Pammax Holdings LLC, New York City. Seller: Ty Anderson, et al, Hopewell Junction. Property: 692 S. Third Ave., Mount Vernon. Amount: $100,000. Filed Dec. 23.

Albedeiwi, Roumel Y., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $165,000 affecting property located at 23 Poningo St., Port Chester 10573. Filed Aug. 14.

Below $1 million

29 Plain Realty LLC, New Rochelle. Seller: Eugenio Gasperi, Scarsdale. Property: 29 Plain, New Rochelle. Amount: $240,000. Filed Dec. 22. Bleecker Estate LLC, Brooklyn. Seller: Tita S. Ngalam, Austin, Texas. Property: 46 Clinton Place, Mount Vernon. Amount: $560,000. Filed Dec. 22. Cadofrak Inc., Brooklyn. Seller: Reginald Austin, et al, Peekskill. Property: 604 Nelson Ave., Peekskill. Amount: $150,000. Filed Dec. 23. Charles Segal Inc., Valhalla. Seller: HSBC Bank USA N.A. Property: 65 S. Beechwood Road, Bedford. Amount: $377,544. Filed Dec. 21.

Cartus Financial Corp., Danbury, Conn. Seller: Richard R. Gros, et al, Waccabuc. Property: 23 Schoolhouse Road, Lewisboro. Amount: $1 million. Filed Dec. 23.

Citimortgage Inc. Seller: Kenneth L. Bunting, White Plains. Property: 409 Third Avenue South, Mount Vernon. Amount: $223,600. Filed Dec. 21.

Elk Homes Partners III LP, Rye. Seller: Nicole Luiso Bach, Rye. Property: 88 Allendale Drive, Rye. Amount: $1.7 million. Filed Dec. 22.

Coolidge Hastings LLC, White Plains. Seller: New CH LLC, White Plains. Property: 565 Broadway, Unit G 636, Greenburgh. Amount: $20,000. Filed Dec. 23.

F and M Mardino Property LLC, Mount Kisco. Seller: Joseph Lombardo Jr., Mount Kisco. Property: 473 Lexington Ave., Mount Kisco. Amount: $1 million. Filed Dec. 21.

Federal National Mortgage Association. Seller: Michele L. Bermel, Chappaqua. Property: 16 Winthrop Ave., New Rochelle. Amount: $448,751. Filed Dec. 21.

JDC Partners LLC, et al, Yonkers. Seller: Community Housing Innovations Inc., White Plains. Property: 400404 South St., Peekskill. Amount: $1.2 million. Filed Dec. 22.

Hillside BD LLC, Scarsdale. Seller: Leticia Arzu, Mount Vernon. Property: 94 Elliot Ave., Yonkers. Amount: $360,000. Filed Dec. 22.

RITG LLC, Great Neck. Seller: HH and ENH LLC, New York City. Property: 5 Lounsbury Road, Bedford. Amount: $1.1 million. Filed Dec. 22.

Post Maple 77 LLC, New York City. Seller: West Post Realty LLC, White Plains. Property: 244-252 Maple Ave., White Plains. Amount: $350,000. Filed Dec. 23. Primrose Group 1 Cedar 1D LLC, Yonkers. Seller: Raymond J. Barrett, Bronxville. Property: 1 Cedar St., 1D, Eastchester. Amount: $350,000. Filed Dec. 23. Reycon LLC, Yonkers. Seller: Louie A. Atienza, Yonkers. Property: 124 Glenwood Ave., Yonkers. Amount: $216,000. Filed Dec. 23. Secretary of Housing and Urban Development, Washington, D.C. Seller: Joan DeCarolis, Del Ray Beach, Fla. Property: 24 E. Broad St., Mount Vernon. Amount: $208,093. Filed Dec. 23. Sirva Relocation Credit LLC. Seller: Robert F. Geary, et al, Dobbs Ferry. Property: 122 Judson Ave., Greenburgh. Amount: $899,000. Filed Dec. 23. Stearns Ridge Realty LLC, Brooklyn. Seller: Marguerite E. Royer, Irvington. Property: 11 Stearns Ridge, Greenburgh. Amount: $630,000. Filed Dec. 23. The Luxuria NR LLC, New Rochelle. Seller: The Millennia NR LLC, New Rochelle. Property: 61 Grand St., New Rochelle. Amount: $237,000. Filed Dec. 23.

Jesi Group Inc., New Rochelle. Seller: Wells Fargo Bank N.A. Property: 205 Center Ave., Mamaroneck. Amount: $441,000. Filed Dec. 23.

The Millennia NR LLC, New Rochelle. Seller: Robert Leaf, New Rochelle. Property: 18 Burling Lane, New Rochelle. Amount: $742,000. Filed Dec. 21.

L and N 316 Fort Avenue LLC, Jamaica. Seller: Evens Frank, et al, Mount Vernon. Property: 316 S. Fourth Ave., Mount Vernon. Amount: $130,000. Filed Dec. 23.

U.S. Bank Trust N.A. Seller: Jo-Ann Cambareri, White Plains. Property: 340 Warwick Ave., Mount Vernon. Amount: $257,421. Filed Dec. 21.

Woodworth Riverside Realty Corp., Yonkers. Seller: 30 Mulberry Corp., Yonkers. Property: 30 Mulberry St., Yonkers. Amount: $600,000. Filed Dec. 21.

JUDGMENTS Meadow Wood Associates LLC, Rye. $2,894 in favor of Danziger and Markhoff LLP, White Plains. Filed Dec. 21.

LIS PENDENS

Barnwell, Maria, et al. Filed by BAC Home Loans Servicing LP. Action: seeks to foreclose on a mortgage to secure $347,300 affecting property located at 65 Morris Ave., Holtsville 11742. Filed Aug. 12. Barr, Kelly I., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $275,000 affecting property located at 109 Mahopac Ave., Granite Springs 10527. Filed Aug. 13. Benjamin, Margo, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $452,000 affecting property located at 4 Caterson Terrace, Hartsdale 10530. Filed Aug. 13. Brooks, Sandra C., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $452,000 affecting property located at 30 Linden St., No. 3, Yonkers 10701. Filed Aug. 13.

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Coumoutsos, George A., et al. Filed by BAC Home Loans Servicing LP. Action: seeks to foreclose on a mortgage to secure $550,400 affecting property located at 68 Fairway Drive, Eastchester 10709. Filed Aug. 13. Dillon, Helen, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $628,000 affecting property located at 90 Amherst Drive, New Rochelle. Filed Aug. 17. Felder, Marvin, et al. Filed by The Bank of New York Trust Company N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 147 Bay St., Peekskill 10566. Filed Aug. 14.

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Visit WestchesterCountyJobs.com

or call (203) 595-4262 for more information

JANUARY 2, 2017

busınessintel WESTCHESTER COUNTY ASSOCIATION

COUNTY OF TOMORROW CONFERENCE

THE YEAR IN PICTURES

W S

COUNTY EXECUTIVE BREAKFAST

BUSINESS OF SPORTS

SMART GROWTH COMPACT FOR GIGABIT

WCA Moved Westchester MEET BLAIR LEVIN

JANUARY 2, 2017

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HEALTH TECH ’16 CONFERENCE

JOBS WAITING BOOTCAMP GRADUATION

SAVE THE DATE!

State of the County Address and “Westchester’s Smart Growth Strategy” Power Panel WOMEN IN TECH LUNCHEON

ALL ACCESS POLITICS

Forward in 2016! ANNUAL LEADERSHIP DINNER

So much to talk about this year! Join us for breakfast on THURSDAY, JANUARY 12, 2017 when County Executive Rob Astorino delivers his State of the County address. He’ll give us a run down on his agenda and priorities for 2017, and the key issues that will be on his plate. Q and A follows.

Westchester County Executive Rob Astorino

Then, we’ve put together a terrific panel, “Westchester’s Smart Growth Strategy that will address regional trends, innovation, gigabit speed internet, and attainable housing (read: housing for millennials, empty-nesters, and the workforce.) The panel will be moderated by Bill Cuddy, CBRE with panelists Moses Gates, Regional Plan Association; Joan McDonald, WCA Strategic Advisor; and Seth Mandelbaum, McCullough, Goldberger & Staudt.

Bill Cuddy

Moses Gates

Thursday, January 12, 2017 8 am Breakfast & Networking 8:30–10 am Program Westchester Marriott, Tarrytown Event sponsors: CohnReznick, Con Edison, ENT & Allergy Associates and Sterling National Bank

Joan McDonald

$80 Members; $90 Future Members Register today at westchester.org Seth Mandelbaum

For more information or to register for events:

westchester.org To become a sponsor, email jemrick@westchester.org or call 914.948.6444

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JANUARY 2, 2017

RESTORATION AT ST. CHRISTOPHER’S IN DOBBS FERRY Manhattan-based investment firm Insight Venture Partners partnered for a day of giving with St. Christopher’s Inc. — a Hudson Valley organization dedicated to helping children with special needs and their families. On Dec. 20, more than 20 Insight employees along with the St. Christopher’s Dobbs Ferry campus operations team helped repaint and restore areas of the century-old campus. “What our buildings look like is very important to the children and staff,” said St. Christopher’s Director of Operations Ralph Herrera. “It’s often hard for us to beautify a building when it comes to limited dollars and we are grateful that Insight is volunteering us a helpful hand. It’s also important for our children to see the kindness we receive from outside of the community.” “We were grateful for the opportunity to partner with St. Christopher’s for this day of giving. Their life-changing impact on the community is something we were thankful to be a part of. We hope to continue to support their efforts as they serve the needs of children and teens with disabilities,” said Deven Parekh, managing director, Insight Venture Partners. Since its inception in 1881, St. Christopher’s has helped teens with emotional, behavioral and learning disabilities by providing a residential program encompassing comprehensive therapeutic, social and family services coordinated with special education schooling. The organization provides these services at each of the residential treatment center’s three locations in Dobbs Ferry, Valhalla and New Windsor in Orange County.

MOUNT KISCO NONPROFIT RECEIVES METRO AREA AWARD Neighbors Link, a nonprofit based in Mount Kisco, was one of three organizations in the New York metropolitan area chosen to receive a 2016 New York Community Trust Nonprofit Excellence Award. The Nonprofit Coordinating Committee of New York makes its selections from nonprofits in New York City, Long Island and Westchester. Neighbors Link received the second-highest honor, a silver award. The gold award went to the Jewish Board of Family and Children’s Services, which is headquartered in Manhattan, while the third-place bronze winner was Per Scholas, a New York City organization providing technical training and job assistance to low-income individuals. Winning organizations receive a total of $60,000 in cash awards and scholarships for Columbia Business School Executive Education Programs in Social Enterprise. The program teaches, recognizes and encourages outstanding management practices among New York’s nonprofit community. Nonprofit leaders are encouraged to apply those practices to their own organizations to better serve their communities and achieve their missions The mission of Neighbors Link is to help immigrants become part of local communities. It provides help finding employment, English as a Second Language (ESL) training, health and legal referrals and services for preschool and school-age children. “We are so grateful to be recognized for our management practices that support the mission of Neighbors Link,” said Carola Bracco, executive director of the organization. “It is a privilege to be part of this team and we are humbled by this award.”

JANUARY 2, 2017

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LEGAL SERVICES GETS CARVEL GRANT

From left: Tom Gabriel, LSHV chief development officer; Peter Smith, president of The Thomas and Agnes Carvel Foundation; and Barbara Finkelstein, LSHV CEO.

White Plains-based Legal Services of the Hudson Valley (LSHV) has received a $10,000 grant from The Thomas and Agnes Carvel Foundation in support of the organization’s Children’s Advocacy Program in Westchester. LSVH is the only provider of comprehensive civil legal services to those that cannot afford it in the seven counties of the Lower and Mid-Hudson Valley. “In Westchester, where one in four children live at or below 200 percent of the Federal Income Poverty Guideline level, we are encouraged that The Thomas and Agnes Carvel Foundation continues to play such an important role in improving the lives of children and families right here in the community we all share,” said Tom Gabriel, LSHV’s chief development officer. The Children’s Advocacy Program provides free legal representation in civil matters to children living in poverty. Typical cases include abuse and neglect, kinship care, foster care, adoption, child support, disability law, health care, special education and housing needs. In 2016, LSHV handled 258 children’s advocacy cases in Westchester, impacting almost 900 household members.

HEALTH CARE HIGHLIGHTS TECHNOLOGY CONFERENCE More than 75 businesspeople gathered in December at Kaplan Hall on the Newburgh campus of SUNY Orange for the Mid-Hudson Valley Manufacturing Technology Conference, hosted by The Accelerator, an organization supported by the Orange County Industrial Development Agency and designed to attract new businesses to the area. The event’s keynote speaker, Dr. Robert Amler, a vice president and dean at New York Medical College and co-founder of BioInc@ NYMC, spoke to attendees on the topic of technological innovation in health care. “We have a real opportunity for saving people’s lives, millions of people at a time,” said Amler. “Innovation leads to better health and better health leads to economic benefits.” Vincent Cozzolino Amler spoke of past medical innovations such as the inactivated and oral polio vaccines, as well as more current ones. These included pharmacogenomics, which is the study of how genes affect a person’s response to drugs, and wearables, which are skin patches to monitor body functions. Following the keynote presentation, Ceres Technologies of Saugerties, Pratt & Whitney Advanced Coating Technologies of Middletown and Spectral Systems of Hopewell Junction were presented with The Accelerator Award for the companies’ contributions to advanced manufacturing technology and the Mid-Hudson Valley community. Following the awards, a discussion among a panel of industry leaders was moderated by Bill Fioravanti, director of business attraction for the Orange County Partnership. They covered how business could join competitors in working closely with educational institutions. Reshoring, bringing back jobs from overseas, also was discussed. “I’m a big fan of these conferences. They do a great job of contouring these industries that are really burgeoning in our region,” said Fioravanti. “At The Accelerator, our goal is to help our local manufacturers grow,” said Vincent Cozzolino, managing director of the Orange County Industrial Development Agency and The Accelerator. “The medical equipment and supplies manufacturing sector is emerging in our area and we have a particular interest in growing this cluster,” he said. The Accelerator, headquartered at Stewart International Airport, is a New York state-certified business incubator focused on bringing manufacturing back to the Mid-Hudson Valley. It formerly was called the Orange County Business Accelerator. The Accelerator provides businesses with below-market occupancy costs, workforce training, mentoring programs, easy access to experienced professionals and other resources.

CONSERVANCY AWARD FOR HOULIHAN LAWRENCE

4 Valley Road in Bronxville

The Bronxville Historical Conservancy presented its 2016 Preservation Award to Houlihan Lawrence for the company’s recent $2 million restoration of Prescott Farm Gate Lodge, located at 4 Valley Road in Bronxville. The award was presented at the conservancy’s annual meeting and holiday reception at Siwanoy Country Club on Dec. 14. The building was the original headquarters of the real estate firm established in 1888 by William Van Duzer Lawrence. He was developing the Lawrence Park neighborhood, which he envisioned as a prototype for American suburbs. The real estate company he established was originally intended to be the sales and marketing arm for Lawrence Park. Prescott Farm Gate Lodge also served as the gatehouse for the development. Lawrence made his fortune in real estate and pharmaceuticals and also is known for having founded Sarah Lawrence College in 1926. The conservancy’s award committee analyzed a number of contenders for the award during several meetings last fall. The exterior restoration of the historic lodge emerged as a demonstration of excellence in terms of fidelity, sensitivity and compatibility with the original design of the structure. The committee included six professionals with various backgrounds. They were Maureen Hackett, landscape designer; Anderson Kenny, architect; Stafford Meyer, interior designer; Sarah Underhill, freelance editor, writer and art historian; Larry Vranka, lawyer and member of the Narragansett Historic Commission in Rhode Island; and Erin Saluti, co-chair of the conservancy. Nancy Seaman, chairman of Houlihan Lawrence said, “We’re proud of our Bronxville roots and, despite our tremendous growth, have never lost sight of where we started. Restoring our historic headquarters was as much about honoring the past as it was reflecting our continued commitment to the community we’ve called home for nearly 130 years, and it’s a true honor to have our efforts recognized with this prestigious award.” The Bronxville Historical Conservancy Preservation Award honors excellence in preservation, restoration, and conservation in the village.

REDKO JOINS GOLDBERG SEGALLA Tatyana Redko has joined the White Plains office of Goldberg Segalla as an associate in its workers’ compensation practice group. She brings extensive workers’ compensation litigation experience to the law firm, focusing on representing insurers and self-insured employers in complex workers’ compensation matters. Redko handles each case from inception through completion and devises litigation strategies and recommendations for case management to best position her clients’ cases for successful resolution. She regularly appears before the New York State Workers’ Compensation Board and in New Jersey Workers’ Compensation Court. Before joining Goldberg Segalla, Redko was an associate with the Lois Law Firm in Paramus. Goldberg Segalla has more than 300 lawyers, with 19 offices spanning nine states (New York, Illinois, Florida, Maryland, Missouri, North Carolina, Pennsylvania, New Jersey and Connecticut) and also has an office in London, where it operates as Goldberg Segalla Global LLP.

DIRECTORS ELECTED BY NONPROFIT WESTCHESTER Nonprofit Westchester, the organization based in Tarrytown which represents more than 140 nonprofits in the county, held its annual membership meeting Dec. 14, which included election of a new director and reelection of another. Joel Seligman, president and CEO of Northern Westchester Hospital, is returning for a third term on the board of directors, while Marcia Levy, executive director of Pro Bono Partnership, has been elected to her first term on the 20-member board. “With these two appointments we have the best of both worlds: a seasoned board member who offers continuity and experience and also represents one of our larger nonprofit organizations and a new member who brings fresh ideas and a new perspecFrom top: Joel Seligman and tive, as well as one who represents the Marcia Levy views of some of the smaller nonprofits her group provides legal services to,” said Joanna Straub, executive director of Nonprofit Westchester. The organization provides members with a forum for sharing information, best practices, services and group purchasing. It also speaks with a collective voice to represent the interests of its members before the public and elected officials.

CASSIDY JOINS FOOD BANK BOARD Michael Cassidy of Rye has been elected to the board of directors of Food Bank for Westchester. He is experienced in corporate branding, positioning and sales-team development and currently is a partner at Team JMC, a firm recently launched to develop new businesses and acquire established companies. He founded the digital advertising company Undertone, which grew to more than Michael Cassidy $150 million in revenue and more than 300 employees before being sold. Maria Bronzi, board chair of Food Bank for Westchester said, “His skills and insight will add great expertise to our already diverse committee of leaders.” Cassidy was the recipient of the 2011 Ernest & Young NY Entrepreneur of the Year Award. He currently serves as board vice president for Friends of Karen, the Westchester-based nonprofit supporting people who are dealing with a life-threatening illness.

NEW SALESPERSON AT ERA INSITE REALTY SERVICES

LITERACY CONNECTIONS RECEIVES GRANT The Ulster Savings Charitable Foundation has awarded a $5,000 grant to Literacy Connections of the Hudson Valley, Inc. (LCHV). The grant will be used to expand services for basic literacy and English as a Second Language (ESL) education. LCHV has offices in Poughkeepsie and Hudson. It serves adults and children throughout Dutchess, Orange, Columbia and Greene counties. Using a state-approved tutor training method, the organization recruits and trains volunteers to provide one-on-one and small group tutoring for people who are struggling with literacy — both for people who know English, and those who are immigrants and need conversation skills, as well as reading and writing help. There is no cost for tutoring services.

MEDIATION CENTER RECEIVES GRANTS Through two separate competitive grant processes, the Mediation Center of Dutchess County has secured $9,375 in funds from the Community Foundations of the Hudson Valley to help train staff and volunteers in restorative justice techniques. The funds from the Community Foundations’ Community Response Grant and Jeannette F. Schlobach Grant programs will ensure that training and implementation of these techniques will begin in 2017. Located on Union St. in Poughkeepsie, the mediation center serves nearly 5,000 people in Dutchess County by offering conflict resolution, prevention and education to individuals, families, businesses and organizations. “Since 1993, the center has employed a variety of techniques to prevent and resolve conflicts,” Executive Director Jane Cottrell said. “With this grant from the Community Foundations, we can train in…restorative justice, which looks to identify and address harms, needs and obligations in order to not only resolve, but also heal situations. By investing in this training for staff and volunteers, restorative justice can also be taught and applied in our communities and schools.” “These grants will not only strengthen the Mediation Center, but our community at large,” said Community Foundations of the Hudson Valley’s President and CEO March Gallagher.

Kizza Carter

Kizza Carter recently joined ERA Insite Realty Services in White Plains as a licensed real estate salesperson, according to Lou Budetti, principal broker. Carter held his license and practiced real estate in Rockland County for several years where he also worked in a family-owned insurance business dealing mostly with commercial and contractor insurance policies. In 2010, he moved to Westchester County and pursued other interests before decid-

ing to get back into real estate. Carter studied business marketing at Howard University in Washington, D.C. “We think Kizza will be a great addition to expand our client base and complement our existing sales team. His genuine and caring approach to working with people is refreshing,” said Budetti. ERA Insite Realty Services, part of the ERA global network and the region’s No. 1 ERA company, has been serving the Westchester market for 31 years. Its office is at 600 N. Broadway in White Plains.

ADVOCATE ADDS CLIENT-SERVICE SPECIALIST Penny Smith has joined Advocate Brokerage Corp. in Scarsdale to serve in the new role of client-service specialist. Smith will be focusing on providing concierge services that ensure clients are aware and satisfied with the services that Advocate Brokerage – an insurance specialist throughout the Scarsdale and tri-state area for more than 45 years – provides. Denise Koslowsky, principal at Advocate Brokerage said, “We are thrilled to welcome Penny into our Advocate family. She has already proven to be a valuable member of our team as she builds our concierge services.” After a career in the garment district, Smith took some time away from work to raise her family but remained very active in the Scarsdale community serving as a registrar for the Scarsdale Adult School and other PTA and community programs. Initially, as client-services specialist, Smith will focus on helping families become more aware of how to protect their homes and the benefits to which they may be entitled. “After seeing first hand what friends have suffered when a water leak destroyed their home, I want to prevent such disasters from happening to anyone else,” said Smith.

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JANUARY 2, 2017

FACTS Ferreira, Jose A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $396,020 affecting property located at 74 Sudbury Drive, Yonkers 10710. Filed Aug. 13.

Perez, Miriam, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 61 Haseco St., Port Chester 10573. Filed Aug. 13.

Fraina, Victoria, as proposed executrix, heir and distributee of the estate of Mary V. Fraina, et al. Filed by CIT Bank N.A. Action: seeks to foreclose on a mortgage to secure $625,500 affecting property located at 322 Sherman Ave., Hawthorne 1532. Filed Aug. 14.

Public administrator of Westchester County as administrator of the estate of Wanda Murphy, et al. Filed by OneWest Bank FSB. Action: seeks to foreclose on a mortgage to secure $469,342 affecting property located at 40 Douglas Ave., Yonkers 10703. Filed Aug. 13.

Griﬃn, Christopher, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 759 Wilmot Road, Scarsdale 10583. Filed Aug. 14.

Rabadi, Johnny, et al. Filed by United Joint Venture LP. Action: seeks to foreclose on a mortgage to secure $269,950 affecting property located at 23 Riverview Place, Yonkers 10701. Filed Aug. 14.

Hayes, Cleaster, individually and as surviving spouse of Williams Hayes III, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $272,199 affecting property located at 310 Garden Ave., Mount Vernon 10553. Filed Aug. 14.

Rose, Anthony, as heir at law and next of kin of Ann Rose, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at . Filed Aug. 12.

Isa, Khalid, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 39 Wilcox Ave., Yonkers 10705. Filed Aug. 12. Jiminez, Nicole L., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $330,400 affecting property located at 170 Woodworth Ave., Yonkers 10701. Filed Aug. 17. Kulp, Anthony, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $153,226 affecting property located at 3675 Old Yorktown Road, Unit 12, Shrub Oak 10588. Filed Aug. 12. Lundie, Judith A., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $145,000 affecting property located at 51 Lorraine Terrace, Unit 225B, Mount Vernon 10553. Filed Aug. 14. Markowski, Paul J., et al. Filed by OneWest Bank N.A. Action: seeks to foreclose on a mortgage to secure $455,000 affecting property located at 36 Deer Track Lane, Goldens Bridge 10526. Filed Aug. 18. Mercado, Emily, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $282,000 affecting property located at 130 S. High St., Mount Vernon 10550. Filed Aug. 18.

Schneider, Robert, et al. Filed by Emigrant Bank. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 17 Sugar Hill Road, North Salem. Filed Aug. 20. Zaﬃno, Camille H., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $363,402 affecting property located at 330 Eastchester Road, New Rochelle 10801. Filed Aug. 14.

MECHANIC’S LIENS 555 Storage Group LLC, as owner. $44,890 as claimed by HS Roofing Systems Inc. Property: in Yonkers. Filed Dec. 19. Davis, Keenan B., et al, as owner. $6,750 as claimed by Arturo Torres, Yorktown Heights. Property: in New Rochelle. Filed Dec. 21. Petrosa, Marilyn, et al, as owner. $42,651 as claimed by Allwood Stillwell Stairs, Bolden Bridge. Property: in Mount Kisco. Filed Dec. 21. Rec Development and Consulting Corp., as owner. $7,634 as claimed by Precast Concrete Sales Co. Property: in Greenburgh. Filed Dec. 20. Sirchia, Elona T., et al, as owner. $7,306 as claimed by Joe Crocco Jr. Carpentry and Construction, Armonk. Property: in North Castle. Filed Dec. 21.

Nardi, Clorinda, et al. Filed by Countrywide Home Loans Servicing LP. Action: seeks to foreclose on a mortgage to secure $402,377 affecting property located at 21 Rancho Drive, Cortlandt 10567. Filed Aug. 17.

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

Partnerships JV Home Improvement, 137 Fisher Ave., White Plains 10606, c/o Vincente L. Linin and Jose Rodriguez. Filed March 1.

Sole Proprietorships 1 Plus Cleaning Service, 191 Grace Church St., Port Chester 10573, c/o Maria D. Mera. Filed March 2. Alaska Stone and Concrete, 77 Old Logging Road, Bedford 10506, c/o Leif Lovig. Filed March 2. Estores Real Estate Co., 37 Washington Ave., Ossining 10562, c/o Ryford H. Estores. Filed March 2. Fresh Beats, 1486 Old Logging Road, Yorktown Heights 10598, c/o Stephen Schnupp. Filed Feb. 29. Granite Mountain Properties, 77 Old Logging Road, Bedford 10506, c/o Leif Lovig. Filed March 2. Green Haus, 801 Gramatan Ave., Mount Vernon 10552, c/o Alexandra Bush-Maiorin. Filed March 2. Gregory Pinn Realty, 61 Glenwood Ave., New Rochelle 10801, c/o Gregory T. Pinn. Filed March 1. Hernandez’s Son, 40 Martin Place, Apt. 1, Port Chester 10573, c/o Juan Francisco Hernandez Villanueva. Filed March 2. Marcos Delpezo Jr., 37 Bent Ave., Port Chester 10573, c/o Marcos DelPezo Jr. Filed Feb. 29. New Era Photography, 160 Gainsborg Avenue East, West Harrison 10604, c/o Cailyn R. Burgos. Filed Feb. 29. Next Generation Towing, 698 Yonkers Ave., 5E, Yonkers 10704, c/o Victoria E. Nicodemus. Filed March 1. Perez Dominguez Landscaping, 37 S. Washington Ave., Hartsdale 10530, c/o Alejandro Perez Dominguez. Filed March 1. Pesto Manifesto, 376 Summit Ave., Mount Vernon 10552, c/o Evan Clealand. Filed Feb. 29. R and C Painting, 6 Edgewood St., Apt. 1B, White Plains 10605, c/o Carlos Maria Coronel Maldonado. Filed March 1. Richard A. Frank, Jr. CPA, 22 Hampton Place, Katonah 10536, c/o Richard A. Frank, Jr. Filed March 1.

JANUARY 2, 2017

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FIGURES Using graphical text analysis to facilitate communication between customers and customer service representatives. Patent no. 9,531,875 issued to Guillermo A. Cecchi, New York; James R. Kozloski, New Fairfield, Conn.; Clifford A. Pickover, Yorktown Heights; Irina Rish, Rye Brook; and Ajay K. Royyuru, Yorktown Heights. Assigned to International Business Machines Corp., Armonk.

Great Spring Management LLC, Pleasant Valley. Seller: Great Spring Management LLC, Pleasant Valley. Property: in Pleasant Valley. Amount: $1.8 million. Filed Dec. 20.

Browser activity replay with advanced navigation. Patent no. 9,531,825 issued to Damie L. Brooks, Albuquerque, N.M.; Lalith K. Maddali, Fremont, Calif.; Manoj Punjabi, Dublin, Calif.; and Sukhbir Singh, Hayward, Calif. Assigned to International Business Machines Corp., Armonk.

Zone-based away messages. Patent no. 9,532,172 issued to John K. Gerken III, Apex, N.C.; and Jeremy A. Greenberger, Raleigh, N.C. Assigned to International Business Machines Corp., Armonk.

Orange Bank and Trust Co., Middletown. Seller: Christopher Smith, Middletown. Property: in Wawayanda. Amount: $2 million. Filed Dec. 21.

Dynamic proﬁle sharing using expiring tokens. Patent no. 9,531,772 issued to Lisa Seacat DeLuca, Baltimore, Md.; Lydia M. Do, Raleigh, N.C.; and Geetika T. Lakshmanan, Winchester, Mass. Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY

Romero’s Taxi, 1011 Orchard St., Peekskill 10566, c/o Carmen E. Romero. Filed March 1. Top of Mynd Cards, 530 Union Ave., Peekskill 10566, c/o Lynn A. Amos. Filed March 2.

PATENTS

Dynamic virtual private network. Patent no. 9,531,766 issued to Charles K. Young, Powder Springs, Ga.; Terrence E. White, Raleigh, N.C.; Melanie R. Diggs, Mableton, Ga.; and Gerald D. Colar, Mableton, Ga. Assigned to International Business Machines Corp., Armonk. Identity service management in limited connectivity environments. Patent no. 9,531,784 issued to Joseph M. Dennis, Tallahassee, Fla.; and Girish B. Verma, Herndon, Va. Assigned to International Business Machines Corp., Armonk. Retention, recommendation and collaboration of mobile-based task sessions. Patent no. 9,532,182 issued to Michael P. Carlson, Austin, Texas; Lydia M. Do, Raleigh, N.C.; Indran Naick, Cedar Park, Texas; and Theodore J. L. Shrader, Austin, Texas. Assigned to International Business Machines Corp., Armonk. Strengthening electronic equipment. Patent no. 9,532,478 issued to Michael S. Good, Fountain, Minn.; John R. Harris, Houston, Texas; Ray C. Laning, Kasson, Minn.; Curtis E. Larsen, Eden Valley, Minn.; and Mark A. Sandusky, Honolulu, Hawaii. Assigned to International Business Machines Corp., Armonk. Transaction-based temporary and secure access. Patent no. 9,532,168 issued to Michael J. Branson, Rochester, Minn.; and Gregory R. Hintermeister, Rochester. Minn. Assigned to International Business Machines Corp., Armonk. Triggering window conditions by streaming features of an operator graph. Patent no. 9,531,781 issued to Michael L. Branson, Rochester, Minn.; John M. Santosuosso, Rochester, Minn.; and Brandon W. Schulz, Rochester, Minn. Assigned to International Business Machines Corp., Armonk.

BUILDING LOANS

MCB-Eagle Newpaltz LLC, Baltimore, Md. Seller: New Paltz Property Development LLC, Fairfield, Conn. Property: 258-268 Main St., New Paltz. Amount: $7.6 million. Filed Dec. 21.

Triangle DS Lake Katrine LLC, Lake Katrine. Seller: Overbite LLC, Poughkeepsie. Property: in Ulster. Amount: $1.5 million. Filed Dec. 19. Washakie Holdings LLC, Amenia. Seller: Everett C. Cook, New York City. Property: in Stanford. Amount: $2.5 million. Filed Dec. 20. Washakie Holdings LLC, Amenia. Seller: Everett R. Cook, New York City. Property: in Stanford. Amount: $1.9 million. Filed Dec. 20.

Above $1 million 22 Rock City Road LLC, Woodstock, as owner. Lender: Mid-Hudson Valley Federal Credit Union, Kingston. Property: 20 Rock City Road, Woodstock. Amount: $1.1 million. Filed Dec. 21. MCB-Eagle Newpaltz LLC, Baltimore, Md., as owner. Lender: Orange Bank and Trust Co., Middletown. Property: 258-268 Main St., New Paltz. Amount: $1.5 million. Filed Dec. 21.

Below $1 million Calvary Baptist Church, Warwick, as owner. Lender: Lakeland Bank, Oak Ridge, N.J. Property: in Warwick. Amount: $450,000. Filed Dec. 21. J.C. Builders Inc., Florida, as owner. Lender: Libertyville Capital Group II LLC, Montgomery. Property: 17 House Road, Warwick. Amount: $265,000. Filed Dec. 21. Manner, Erin R., et al, Kingston, as owner. Lender: Rondout Savings Bank, Kingston. Property: 44 Spencer Lane, Kingston. Amount: $285,000. Filed Dec. 22.

DEEDS

Below $1 million 180 Developers LLC, Ellenville. Seller: Fannie Mae. Property: 193 Canal St., Ellenville 12428. Amount: $47,000. Filed Dec. 21. 22 Ten Eyck Avenue LLC, Greenwood Lake. Seller: John Sorrentino, et al, Greenwood Lake. Property: in Warwick. Amount: $59,115. Filed Dec. 21. 6405 Montgomery Street LLC, New York City. Seller: Phoebe Melley, Rhinebeck. Property: in Rhinebeck. Amount: $101,500. Filed Dec. 21. 72 West Eckerson LLC, Tappan. Seller: Joseph F. Loscalzo, Central Valley. Property: 514 Route 17M, Monroe 10950. Amount: $975,000. Filed Dec. 23. Al Twal LLC, Poughkeepsie. Seller: Miesha L,M, Rodriguez, Hopewell Junction. Property: 210 N. Hamilton St., Poughkeepsie 12601. Amount: $32,500. Filed Dec. 21. Champion Properties Inc., Pleasant Valley. Seller: HSBC Bank USA N.A. Property: 5 Siebrecht Road, Pleasant Valley 12569. Amount: $67,500. Filed Dec. 21.

Above $1 million

City of Port Jervis, Port Jervis. Seller: Irene M. Boe, Huguenot. Property: 3 and 5 S. Maple Ave., Port Jervis. Amount: $35,500. Filed Dec. 21.

6405 Montgomery Street LLC, New York City. Seller: Garden Street Properties Inc., Rhinebeck. Property: in Rhinebeck. Amount: $2.7 million. Filed Dec. 21.

DJ Allen Realty LLC, Connelly. Seller: Barbara J. Gill, Saugerties. Property: in Kingston. Amount: $115,000. Filed Dec. 19. Emerald PL LLC, Spring Valley. Seller: Sheri Horowitz, Dana Point, Calif. Property: in Port Jervis. Amount: $31,000. Filed Dec. 21.

FACTS

Equity Homes of New York Inc., Port Jervis. Seller: Gromac Development LLC, Goshen. Property: Route 17K, Montgomery. Amount: $390,000. Filed Dec. 22.

Nugget Properties LLC, Saugerties. Seller: Lakeview Loan Servicing LLC, Getzville. Property: 377 Old Route 32, Saugerties 12477. Amount: $60,500. Filed Dec. 20.

A and M Services Inc., Wallkill. $857 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

Federal National Mortgage Association. Seller: John J. Fallon, Walden. Property: 48 Union Ave., New Windsor 12553. Amount: $376,557. Filed Dec. 21.

Olivia Quality Home LLC, Highland Falls. Seller: Sandra D. Cue, Lawrenceville, Ga. Property: in Highland Falls. Amount: $28,000. Filed Dec. 22.

Above All Auto Repair Inc., Highland. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

Federal National Mortgage Association. Seller: Margaret Matos, Cornwall-on-Hudson. Property: 128 Spring St., Goshen 10924. Amount: $188,600. Filed Dec. 23. FND Realty Group LLC, et al. Seller: Peter H. Neuman, Cornwall-onHudson. Property: 7 Hammond Lane, Wallkill 12589. Amount: $182,100. Filed Dec. 21. FND Realty Group LLC, Monroe. Seller: Robert W. Fink, Goshen. Property: 18 Royal Circle, Newburgh 12550. Amount: $91,100. Filed Dec. 21.

Plaza Home Mortgage Inc., Lake Zurich, Ill. Seller: Judith Lubinsky, Campbell Hall. Property: 16 Myers Road, Godeffroy 12729. Amount: $215,714. Filed Dec. 22. Preshburgh Realty LLC, Monroe. Seller: 19 Forest Road LLC, Monroe. Property: in Monroe. Amount: $100,000. Filed Dec. 23. Retained Realty Inc., New York City. Seller: Sarah E. Sholes, Poughkeepsie. Property: 17 Ricky Lane, Poughkeepsie. Amount: $30,000. Filed Dec. 21.

Front Street 3 LLC, Spring Valley. Seller: Edward J. Mowatt, et al, Port Jervis. Property: in Port Jervis. Amount: $60,000. Filed Dec. 22.

RRCH No. 4 LLC, Dallas, Texas. Seller: JPMorgan Chase Bank N.A. Property: 1640-1642 Bulls Head Road, Clinton Corners 12514. Amount: $180,500. Filed Dec. 19.

HSBC Bank USA N.A. Seller: Susan Sullivan-Bisceglia, Wappingers Falls. Property: 81 Moonlight Drive, Stormville 12582. Amount: $697,500. Filed Dec. 21.

Sucato 1 LLC, Poughkeepsie. Seller: Wilmington Savings Fund Society FSB. Property: 1 Sucato Drive, Poughkeepsie 12601. Amount: $115,500. Filed Dec. 21.

Insource East Properties Inc., Hauppaugue. Seller: Fannie Mae. Property: 14 Queen Ann Lane, Warwick 10990. Amount: $85,000. Filed Dec. 22.

T.J.R. Excavating Contractors Inc., Hopewell Junction. Seller: James Davis, Poughquag. Property: in Beekman. Amount: $260,000. Filed Dec. 20.

J.C. Builders Inc., Florida. Seller: Alan G. House, et al, Warwick. Property: 17 House Road, Warwick 10990. Amount: $75,000. Filed Dec. 21.

Tuxedo Hudson Management Company LLC, Tuxedo. Seller: Mario Contorino, et al, Chester. Property: Meadow Avenue, Chester 10918. Amount: $28,800. Filed Dec. 21.

J.S. Allan LLC, Wappingers Falls. Seller: KeyBank N.A. Property: 28D Alpine Drive, Wappinger Falls 12540. Amount: $54,000. Filed Dec. 21.

U.S. Bank N.A. Seller: Scott M. Brien, Hopewell Junction. Property: 6085 Route 22, Millerton 12546. Amount: $343,500. Filed Dec. 21.

K.B. Properties LLC, Wappingers Falls. Seller: Airport Drive Properties LLC, Wappingers Falls. Property: in Wappinger. Amount: $210,000. Filed Dec. 20.

Washakie Holdings LLC, Amenia. Seller: Everett R. Cook, New York City. Property: in Stanford. Amount: $600,000. Filed Dec. 20.

Lots A MZL LLC, Brooklyn. Seller: State of New York Mortgage Agency, New York City. Property: 23 Lexington Hill, Unit 4, Harriman 10926. Amount: $90,000. Filed Dec. 22.

Wilmington Savings Fund Society FSB. Seller: Eric Ossentjuk, Newburgh. Property: 1238 Union Ave., Newburgh 12550. Amount: $256,273. Filed Dec. 21.

Northern Enterprise NY LLC, Cornwall-on-Hudson. Seller: Mark Specthrie, Middletown. Property: 21 Carter St., Newburgh 12550. Amount: $9,300. Filed Dec. 21.

WLY Corp., Kingston. Seller: Nathaniel Averill, Somerville, Mass. Property: in Marbletown. Amount: $90,000. Filed Dec. 19.

NRZ REO V-2 Corp., Chicago, Ill. Seller: David Morgan, New York City. Property: in Rochester. Amount: $68,198. Filed Dec. 22.

JUDGMENTS 8’As Contracting Inc., Wallkill $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

Above Standard Construction Inc., West Hurley. $1,034 in favor of theNew York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Altren Ener�y LLC, Ulster Park. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Apex and Wise Building Company Inc., Kington. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Ashley Homes Construction Company LLC, Saugerties. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Atrifam Consulting Inc., Pine Bush. $105 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 19. Aztlan Lawnscape Inc., Highland. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Best Mechanical Plumbing and Heating Inc., Monroe. $10,938 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 18. C’s Pizzeria Corp., Kingston. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Cibo Noche LLC, Marlboro. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Clintondale Aviation Inc., Highland. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Conger Simons LLC, New Paltz. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. D and K Rock Service Inc., Kingston. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

FIGURES JAC-Logistics Inc., Kerhonkson. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

Northeast Electrical Construction, Kerhonkson. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

Doc Orders Inc., Esopus. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

Jimmy Dees Production LLC, Port Jervis. $260 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 18.

Northport Construction LLC, Accord. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

Don Juan Mexican Restaurant Inc., Kerhonkson. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

Jump Start Weight Loss and Wellness, Pine Hill. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

DWL Designs Inc., Kerhonkson. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

JVJ Mobile LLC, New Paltz. $2,165 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 19.

Devotion Realty Inc., Middletown. $102 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 18.

Elite Parking Inc., Kerhonkson. $1,047 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Emg Stat, New Paltz. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Ginas Egoiz Inc., Monroe. $206 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 18. Givepizzachance LLC, Willow. $1,861 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Gold Rush Jewelers, Ellenville. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Heyer Water Inc., West Hurley. $2,164 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 19. Highland Glass and Metal Inc., Highland. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. J Honey Nail Inc., Saugerties. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. J Lent and Sons General Contracting LLC, Kingston. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. J Whalen Rooﬁng and Co., Kingston. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

KKL Pizza Inc., Middletown. $247 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 18. Koala Bear Ltd., Bearsville. $2,326 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Komorowski Enterprises Inc., Warwick. $7,163 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 18. Liberty Security Services LLC, Kingston. $4,235 in favor of the New York State Department of Labor, Albany. Filed Dec. 20. Lounsbury Electric Inc., Pine Bush. $155 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 19. Meatball Grill Inc., Saugerties. $1,851 in favor of the New York State Department of Labor, Albany. Filed Dec. 20. Mel Mike Corp., Saugerties. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Mid-Hudson Hematolo�y-Oncolo�y, P.C., Cornwall-on-Hudson. $871 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 18. Mid-Valley Drywall LLC, Modena. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Mole Mole Inc., Kingston. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. New Paltz United Methodist Church, New Paltz. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

Paint Xperts Inc., Port Ewen. $517 in favor of the New York State Department of Labor, Albany. Filed Dec. 20. Partition Street Wine Shop Inc., Saugerties. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Peoples II Inc., Ulster Park. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Primos Bar and Grill, Clintondale. $1,047 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Qualitys Auto Repair Inc., Newburgh. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed April 18. Regional Mortuary Transport LLC, Port Ewen. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Reservoir Delicatessen and Dairy Inc., Shokan. $4,589 in favor of the New York State Department of Taxation and Finance, Albany. Filed Dec. 19. Ricketson Bro Inc., New Paltz. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Salsa Maria Restaurant, Milton. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. Silver Fox Gutters Inc., New Paltz. $216 in favor of the New York State Department of Labor, Albany. Filed Dec. 20. Skyline Construction, Rosendale. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21. SVL Properties LLC, New Paltz. $1,034 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Dec. 21.

WCBJ

JANUARY 2, 2017

LEGAL NOTICES ITSM Associates, LLC, Art. of Org. filed with NY Secy. of State on 08/01/16. Office located in Westchester Co. Secy. of State designated as agent upon which process may be served. Secy. of State shall mail a copy of any process against it served upon him/her to: 93 Shelley Avenue, Port Chester, NY 10573 (the LLCís primary business location). LLC may engage in any lawful act or activity for which a limited liability company may be formed #60869 Taliageorgette LLC, a domestic LLC, filed with the SSNY on 11/9/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process Talia Salvati, 171 Cedar Dr. E., Briarcliff Manor, NY 10510. General purpose. #60874 Notice of formation of The Birch Collective WP, LLC. Art. of Org. filed with the Sect'y of State of NY (SSNY) on 08/01/2016. Office in Weschester County. SSNY has been designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 91 Mamaroneck Avenue, White Plains, NY 10601, principal business location of the LLC. Purpose: any lawful purpose. #60875 SNS Technology, LLC. Filed 10/20/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to:34 Norm Ave, Bedford Hills, NY 10507 Purpose: all lawful #60876 Pie Brothers International LLC. Filed 11/16/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to:12 Water St #204 White Plains, NY 10601 Purpose: all lawful #60877 3800 Tremont Associates LLC. Filed 10/31/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to:12 Water St #204 White Plains, NY 10601 Purpose: all lawful #60878 @LEGAL:9 North Realty LLC. Filed 10/25/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to:25 Wolffe St Yonkers, NY 10705 Purpose: all lawful #60879 43 Middle Pond Road Holding LLC. Filed 11/15/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to:12 Water St #204 White Plains, NY 10601 Purpose: all lawful #60880 227 E 67PH LLC. Filed 11/16/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to:12 Water St #204 White Plains, NY 10601 Purpose: all lawful #60881

JANUARY 2, 2017

Notice of Formation of Sorkin 61 North 9th Street Debt LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 11/22/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Sierra Assets Group, 30 Glenn Street, White Plains, NY 10603. Purpose: any lawful activity. #60882 Pierce Mental Health Advocacy Services, LLC. Filed 11/30/16 Office: Westchester Co. SSNY designated as agent for process & shall mail to:150 Stone Meadow, South Salem, NY 10590 Purpose: all lawful. #60883 NOTICE OF FORMATION OF PROFESSIOINAL SERVICE LIMITED LIABILITY COMPANY. NAME: W ORTHODONTICS, PLLC. Articles of Organization were filed with the Secretary or State of New York (SSNY) on 11/03/16. Office location: Westchester County. SSNY has been designated as agent of the PLLC upon whom process against it may be served. SSNY shall mail a copy of process to the PLLC, 95 Church Street, Suite 400, White Plains, New York 10601. Purpose: For the practice of the profession of Dentistry. #60884 Acro Ventures LLC, a domestic LLC, filed with the SSNY on 8/23/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 30 Luzern Rd., Dobbs Ferry, NY 10522. General purpose. #60885 Ben Shuzen LLC, a domestic LLC, filed with the SSNY on 11/28/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 10 New King St., Ste. 209, White Plains, NY 10604. General purpose. #60886 Jane Light Company LLC, a domestic LLC, filed with the SSNY on 11/22/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 36 Stornowaye St., Chappaqua, NY 10514. General purpose. #60888 Notice of Formation of Dimapilis Dauz Business Group, LLC, Art. Of Org. filed with SSNY on 10/11/16. Offc. Loc: Westchester Cty. SSNY desig. as desig agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 14 S. Broadway, 8-1A, Irvington, NY, 10533. Purpose: any lawful purpose. #60889

WCBJ

Sai Bless LLC articles of Org. filed with NY Secretary of State (SSNY) on 14thth November2016, office location: Westchester County. SSNY is designated as agent of LLC upon whom process may be served. NS shall mail service of process (SOP) to LLC at 412 COLUMBUS AVE APT #2 WEST HARRISON, NY 10604, and purpose is any lawful purpose. #60891 CityDronez, LLC, a domestic LLC, filed with the SSNY on 12/6/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 2 Ledgewood Commons, Millwood, NY 105461025. General purpose. #60892 Notice of Formation of 91 GLEN LLC. Principal Office Westchester County. Secretary of State of NY (SSNY) designated as agent for service of process. SSNY shall mail a copy of any process served against the LLC to 4 Allen Place, Bronxville, NY 10708 Articles of Organization of the LLC filed with the SSNY on November 22, 2016. Purpose: Any lawful act(s) #60893

Notice of Formation of Virtual Tutoring, LLC. Arts. of Org. filed with SSNY on 9/7/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to Virtual Tutoring, LLC. 1 Sadore Lane, Yonkers, New York 10710. Purpose: any lawful act or activity. #60902 Notice of Formation of December 08 LLC ,Art. Of Org. filed with SSNY on 12/8/16. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 560 Halstead Avenue, Apt 3K, Harrison, NY 10528. Purpose: any lawful purpose. #60903

STATE OF NEW YORK SUPREME COURT COUNTY OF WESTCHESTER SUPPLEMENTAL SUMMONS Index No. 51429/2016 WELLS FARGO BANK, NA, Plaintiff,

-vs-

VINCENT FORBES, SECRETARY OF HOUSING AND URBAN DEVELOPMENT, and JOHN DOE, Defendants. To the above named Defendants:

Local Real Estate Group LLC Arts. of Org. filed w/ SSNY 12/20/16. Off. in Westchester Co. SSNY desig. as agt. of LLC whom process may be served. SSNY shall mail process to the LLC, 1155 Ave. of the Americas, 6th Fl., NY, NY 10036. Purpose: any lawful activity #60904

You are hereby summoned to answer the complaint in this action and to serve a copy of your answer, or if the complaint is not served with this summons, to serve a notice of appearance on the Plaintiff's attorneys within thirty days after the service of this summons, exclusive of the day of service, and in case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint.

Notice of formation of Red Beard Foods, LLC. Art. Of Org. filed with SSNY on 11/28/2016. Office in Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to: United States Corporation Agents,Inc., 7014 13 th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: any lawful purpose. #60905

Speak to an attorney or go to the court where your case is pending for further information on how to answer the summons and protect your property.

Tax I.D. No. 165.72-4003-6

Notice of Formation of Giordano Beauty, LLC Art. Of Org. filed with SSNY on 10/24/16. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 57 Alexander Street Yonkers, NY 10701 Purpose: any lawful purpose. #60895

Notice of Formation of Albert Kaufman Family Royalties LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 12/15/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Joan Kaufman, 6 Dolma Road, Scarsdale, NY 10583. Purpose: any lawful activity. #60906

Notice of Formation of Westman Atelier LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 12/7/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 148 Baldwin Road, Mt. Kisco, NY 10549. Purpose: any lawful activity. #60899

Notice of Formation of 72 Acquisition LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 12/13/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o The LLC, 61 Bank Street, NY, NY 10014. Purpose: any lawful activity. #60907

Notice is hereby given that an on<\!#45>premise license, #1299058 has been applied for by Pub Street Pleasantville, LLC d/b/a Pubstreet to sell beer, wine and liquor at retail in an on premise establishment under the ABC law at 20 Wheeler Avenue Pleasantville, NY 10570 for on premise consumption. #60900

Notice is hereby given that an on<\!#45>premise license, #TBA has been applied for by Salem Golf Club Associates LLC d/b/a Salem Golf Club to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 18 Bloomer Road North Salem NY 10560. #60908

NOTICE OF FORMATION OF MAPLE & ROSE LLC. Arts. Of Org. filed with SSNY on 9/23/16. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to 54 Rose Ave., Eastchester, NY 10709. Purpose: Any lawful act or activity. #60894

Briggitt Marcovich Tennis Academy LLC, a domestic LLC, filed with the SSNY on 12/5/16. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 11 Pondview Close, Chappaqua, NY 10514. General purpose. #60901

NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME If you do not respond to this summons and complaint by serving a copy of the answer on the attorney for the mortgage company who filed this foreclosure proceeding against you and filing the answer with the court, a default judgment may be entered and you can lose your home.

Sending a payment to your mortgage company will not stop this foreclosure action. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. This is an attempt to collect a debt and any information obtained will be used for that purpose. The foregoing summons is served upon you by publication pursuant to an Order of Honorable Joan B. Lefkowitz, Justice of the Supreme Court of the State of New York, signed the 6th day of December, 2016, at Westchester County, New York. The object of this action is to foreclose a mortgage on the following property:

ALL that certain plot, piece or parcel of land, situate, lying and being in the City of Mount Vernon, County of Westchester and State of New York, known and designated as Lot No. 307 on a certain map entitled, “Property of J.W. Whittum, formerly of W.B. Comstock, City of Mount Vernon, New York” made by R.W. Burrows, dated January 28, 1896 and filed in the Office of the Register of Westchester County on May 23, 1896, as Map No. 1193, which said lot is more particularly bounded and described as follows: BEGINNING at a point on the southerly side of Washington Street at a point distant 238.52 feet easterly as measured along said southerly side of Washington Street from the corner formed by the intersection of the easterly side of Fulton Avenue with said southerly side of Washington Street, said point of beginning being also at the northeast corner of Lot No. 306 on said map; RUNNING THENCE southerly along the easterly line of Lot No. 306 on said map, 130.37 feet to the northwest corner of Lot 316 on said map; THENCE easterly along the northerly line of said Lot No. 316, North 89 degrees 58 minutes 30 seconds East 33.96 feet to the southwest corner of Lot No. 308 on said map; THENCE northerly along the westerly line of Lot No. 308, 128.67 feet by actual measurement to the southerly side of Washington Street; and THENCE westerly along the southerly side of Washington Street, North 87 degrees 9 minutes 00 seconds West 34.00 feet to the point or place of BEGINNING. Subject to easements, covenants, and restriction of record. These premises are also known as 218 Washington Street, Mount Vernon, NY 10553 A/K/A 10550.

WOODS OVIATT GILMAN LLP Attorney for Plaintiff 700 Crossroads Building 2 State Street Rochester, NY 14614

Ad # 60890

LEGAL NOTICES NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (“LLC”). NAME: Northview Housing LLC. Articles of Organization filed with the Secretary of State of the State of New York (“SSNY”) on 12/27/16. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: Northview Housing LLC, 901 Main Street, Peekskill, New York 10566, principal business location of the LLC. Purpose: any lawful business activity. Ad # 60909 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: B AND B RESTAURANT GROUP LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 02/09/15. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, 21 Bramblebrook Rd, Ardsley, New York 10502, principal business location of the LLC. Purpose: any lawful business activity. Ad # 60872

Notice of formation of THE BELLIN GROUP, LLC. Articles of Organization filed with the Secretary of State of New York SSNY on November 17, 2016. Office located in WESTCHESTER. SSNY has been designated for service of process. SSNY shall mail copy of any process served against the LLC to 500 Mamaroneck Ave, Ste 320, Harrison, NY 10528. Purpose: any lawful purpose. Ad # 606873 Notice of Formation of 230 East 52nd Street, Unit 3E, LLC. Articles of Org. filed with the Secy of State of NY (SSNY) on 11/17/16. Office location: Westchester Cnty. SSNY designated agent upon whom process may be served. Address to which the SSNY shall mail copy of any process served against the LLC is: Linda Grace John, 3 Chalmers Blvd, Amawalk, NY 10501. The principal business address of the LLC is: 3 Chalmers Blvd, Amawalk, NY 10501. Purpose: any lawful act or activity. Ad # 60896

Notice of Formation of 200 East 94th Street, Unit 220, LLC. Articles of Org. filed with the Secy of State of NY (SSNY) on 11/17/16. Office location: Westchester Cnty. SSNY designated agent upon whom process may be served. Address to which the SSNY shall mail copy of any process served against the LLC is: Linda Grace John, 3 Chalmers Blvd, Amawalk, NY 10501. The principal business address of the LLC is: 3 Chalmers Blvd, Amawalk, NY 10501. Purpose: any lawful act or activity. Ad # 60897 Notice of Formation of MEL Holdings, LLC. Articles of Org. filed with the Secy of State of NY (SSNY) on 11/17/16. Office location: Westchester Cnty. SSNY designated agent upon whom process may be served. Address to which the SSNY shall mail copy of any process served against the LLC is: Linda Grace John, 3 Chalmers Blvd, Amawalk, NY 10501. The principal business address of the LLC is: 3 Chalmers Blvd, Amawalk, NY 10501. Purpose: any lawful act or activity. Ad # 60898

IN THE CIRCUIT COURT OF THE 11TH JUDICIAL CIRCUIT IN AND FOR MIAMI-DADE COUNTY, FLORIDA CASE NO.: 16-18349-FC 04 (01) FAMILY DIVISION IN RE: THE MARRIAGE OF: CHRISTIAN ANDRADE, Petitioner/Husband, and ERMELINDA J. PAGANO, Respondent/Wife. NOTICE OF ACTION FOR DISSOLUTION OF MARRIAGE (NO CHILD OR FINANCIAL SUPPORT) TO:ERMELINDA J. PAGANO 234 Drake Avenue, Apartment #3A, New Rochelle, NY 10805 YOU ARE NOTIFIED that an action for dissolution of marriage has been filed against you and that you are required to serve a copy of your written defenses, if any, to it on the Petitioner, Christian Andrade, whose attorneyís address is Robert J. Hanreck, P.A., 40 N.W. 3rd Street, Penthouse 4, Miami, FL 33128, on or before 1-3-2017, and file the original with the clerk of this Court at Lawson E. Thomas Courthouse Center, 175 N.W. 1st Avenue, 12th Floor, Miami, FL 33128, before service on Petitioner or immediately thereafter. If you fail to do so, a default may be entered against you for the relief demanded in the petition. The action is asking the court to decide how the following real or personal property should be divided: NONE. Copies of all court documents in this case, including orders, are available at the Clerk of the Circuit Courtís office. You may review these documents upon request. You must keep the Clerk of the Circuit Courtís office notified of your current address. (You may file Designation of Current Mailing and E-Mail Address, Florida Supreme Court Approved Family Law Form 12.915.) Future papers in this lawsuit will be mailed or e-mailed to the address(es) on record at the clerkís office. WARNING: Rule 12.285, Florida Family Law Rules of Procedure, requires certain automatic disclosure of documents and information. Failure to comply can result in sanctions, including dismissal or striking of pleadings. Dated: Nov. 21, 2016 CLERK OF THE CIRCUIT COURT: Farah Casimir, Deputy Clerk #60887

JANUARY 2, 2017

BUSINESS AWARDS

2017

ROOT FOR THE NEXT GENERATION OF WINNERS Save the date:

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For the fourth year, Westfair Communications is honoring the leaders who built businesses in Westchester and Fairfield counties and keep them in the community — and in the family. Tell us about your own business or a family-owned business you think deserves recognition.

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Ø Owned by two or more relatives Ø Located in Westchester or Fairfield County

or the Hudson Valley Ø At least two years old

Nominate at: WESTFAIRONLINE.COM/FAMILY-OWNED DEADLINE: JAN. 12, 2017 Ø For more information or sponsorship opportunities,

contact Marcia Pflug, 203-733-4545 or mpflug@wfpromote.com

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