Westchester County Business Journal 021819

FEBRUARY 18, 2019 VOL. 55, No. 7

westfaironline.com

A Metro-North train arrives at Peekskill station.

INSIDE

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RICHMAN TAKES OVER

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TRADE SECRETS

Pain on the train

REGIONAL MEDIAN CREDIT SCORES RANGE FROM EXCELLENT TO UGH

FARE INCREASE MAY BE COMING TO A METRO-NORTH STATION NEAR YOU

BY PETER KATZ pkatz@westfairinc.com

W

hen it comes to Metro-North fare increases like the ones due to be considered at the Metropolitan Transportation Authority’s (MTA) Feb. 27 board meeting, or reconstruction projects, or repair and replacement of equipment, “We’re going to have to put up with the short-

term pain that’s involved in trying to rebuild this railroad while it’s running,” commuter advocate Jim Cameron told the Business Journal. He likened what’s happening with Metro-North to changing a car’s fan belt while the engine is running. “It’s difficult to maintain service and be fixing things at the same time, but decades of neglect have caught up with us.”

Metro-North ridership in 2018 totaled 77,795,615,

BY PHIL HALL

down 215,124 from 2017.

Harlem Line ridership was 25,170,872; Hudson Line ridership was 15,733,489; and 36,891,254 rode the New Haven Line.

Cameron, founder of the Commuter Action Group, spent 19 years serving on the Metro-North Commuter Council which had been created by the Connecticut legislature. He was its vice chairman for 11 years » TRAIN

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phall@westfairinc.com CREDIT SCORES ARE BASED SOLELY on the specific credit history of an individual and not on the town or city where that person resides.

Nonetheless, it seems that some localities have populations blessed with median credit scores that are uncommonly strong.

A recent survey published by the personal finance website WalletHub

number crunched the median credit scores of 2,572 U.S. localities using data provided by the consumer credit reporting agency TransUnion. While the Westchester and Fairfield region is known for a higher-than-average population of top-income residents, only one place cracked the top 20 ranking with the highest credit scores. Indeed, only three locations in each county managed to score above » CREDIT

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Richman takes CEO role at Rakow Commercial Realty Group

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

D

avid Richman is approaching two decades in the commercial real estate business, so it should come as no surprise when he uses an industry term to describe his acquisition and leadership of Rakow Commercial Realty Group from founder Rick Rakow.

“It’s like the perfect sale-leaseback,” Richman said from the firm’s office near Westchester County Airport in Harrison. “We structured this so we can work together, collaborate and support the growth of the firm.”

Richman described the deal as “early” succession planning. “We’ll be working together for the next years,” he said, placing an emphasis on the plural. “Rick is not going anywhere. We’re together making Rakow Commercial Realty Group as great as it can be.”

The daily operations of the firm will be led by Richman, the company’s new CEO, while Rakow will serve as chairman, still working with clients and helping support the company.

“If I need something and I need to bounce something off of him, I mean, it’s Rick Rakow,” Richman said. “He is the legacy here and it’s an honor to be able to continue that legacy that he has built.”

Rakow founded the firm in 1985, focusing since then on the office, medical, retail and industrial markets in Westchester and Fairfield counties. The tenant-focused real estate firm has worked with clients such as IBM, White Plains Hospital, Citrin Cooperman and the nonprofit Feeding Westchester.

Richman joined the firm 16 years ago, his first and only place of employment in the commercial real estate industry. In that time, Richman has negotiated more than 500 transactions. Rakow Group has grown from four brokers to nearly a dozen. Richman called Rakow a “phenomenal mentor,” guiding him through an industry that marked a shift in careers.

Before joining Rakow, Richman was working in sales of telephone security systems. But he took an interest in commercial real estate, and Rakow’s firm in particular, because he knew people who had worked with him and spoke positively.

“I was drawn to Rick real-

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MAIN OFFICE TELEPHONE 914-694-3600 OFFICE FAX 914-694-3699 EDITORIAL EMAIL bobr@westfairinc.com WRITE TO 701 Westchester Avenue, Suite 100 J White Plains, N.Y. 10604

Publisher Dee DelBello Managing Editor/Print Glenn Kalinoski Managing Editor/Digital Bob Rozycki Associate Publisher Anne Jordan Group Associate Publisher Dan Viteri NEWS Copy and Video Editor • Peter Katz Bureau Chief • Kevin Zimmerman Senior Reporter • Bill Heltzel, Reporters • Ryan Deffenbaugh, Phil Hall, Georgette Gouveia, Mary Shustack Research Coordinator • Luis Flores ART & PRODUCTION Creative Director Dan Viteri Art Director Sebastián Flores Art Director Kelsie Mania Digital Content Director Meghan McSharry

David Richman

ly because of who I am, why we are here and what we’re all about: his reputation and his legacy of really affecting a positive change for people in their real estate decisions,” Richman said. “The way he was able to represent people that I knew, who spoke the world of him, and how incredible his service was in guiding them and protecting their interests.”

The business was built by Rakow around representing tenants, which appealed to Richman.

Business owners may sign just one office lease in their life, or just once every decade, Richman said, and Rakow Group was founded on the principle that tenants should have someone on their side in that process.

Rakow Group does represent landlords and sellers as well, though Richman said never in the same transaction without full disclosure. Working with both sides provided insight that helps the firm give better representation, according to Richman.

“It’s great to play chess when you know both sides of the board and can anticipate the moves,” Richman said. “You get to see it from both people’s perspective and

it’s very important when you negotiate to have that empathy.”

Richman said his focus for the company is maintaining its reputation as the “go-to” source for real estate expertise in Westchester while also gradually expanding its presence in Fairfield County.

The company competes in each market with national and international firms. But Richman said there are advantages to being small and locally focused. Most often, the firm’s greatest competition isn’t from other real estate groups, he said. It’s companies deciding to go it alone in their real estate choices.

“The average size firm for Westchester County is not Amazon or Pepsico,” Richman said. “It’s the smaller firm. There’s a value that we can have as someone here that is focused more on service and who covers all the aspects we do.”

As for the future of the Westchester commercial real estate market, Richman said he and the firm are very optimistic.

The repurposing trend shaking up Westchester’s office sector has shrunk inventory and created a healthier market, he said.

“Between the growing residential development, as well as biotech

and health and medical, I only see that there will be more of a demand for office space,” Richman said. “As more people are coming into the area there will be demand for office space as well.”

Richman said his office clients are often looking for efficiency and the chance for creativity in their office space. They want to be near train stations and in spaces that are open and designed for collaboration.

“Instead of having a half dozen windowed offices and then the bullpen, they may bring the offices to the interior and have the bullpen along the window line,” Richman said, “because they want their salespeople to have a nice, open, airy, well-lit and productive environment.”

At the time he was speaking with the Business Journal, Richman was three weeks into his new leadership role with the company.

“My two biggest goals in this transition is to keep the level of service as exceptional as possible, which is a no-brainer but still always on my mind,” Richman said.

“And the second is to make sure that our people here internally are supported as much as possible.”

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SOMS Technologies accuses ex-employee and customer of using trade secrets VALHALLA COMPANY ALLEGES THAT CONFIDENTIAL INFORMATION WAS USED TO SELL MORE THAN $5 MILLION IN AUTOMOTIVE OIL AND AIR FILTERS SOMS sued K&N two years ago in Westchester Supreme Court, making essentially the same allegations. K&N never formally answered the charges. It argued that the case should not be heard in a New York court because none of the alleged actions happened in New York.

Turpin, who worked out of an Illinois office, also said that none of his interactions took place in New York.

In an affidavit supporting K&N’s position, Turpin said, “I did not commit any wrongdoing in connection with any SOMS-related activity, while I was employed there or thereafter.”

SOMS withdrew the state court lawsuit in September after it filed for bankruptcy protection.

BY BILL HELTZEL bheltzel@westfairinc.com

S

OMS Technologies, a Valhalla auto parts company that has filed for bankruptcy protection, is accusing a former employee and a customer of using its trade secrets to manufacture the parts.

SOMS Technologies LLC sued Roger Turpin of Albion, Illinois, and K&N Engineering Inc. of Riverside, California, Jan. 25 in bankruptcy court in White Plains. SOMS Technologies claims that K&N Engineering has used the confidential information to sell more than $5 million in automotive oil and air filters.

SOMS designs and sells products to automakers such as General Motors and Mazda, according to court filings, and to auto parts retailers. Its signature product is the microGreen oil filter. It employs four people.

SOMS filed for Chapter 11 bankruptcy protection in September, declaring $536,000 in liabilities and less than $500,000 in assets that could be readily monetized. Its cash flow was weakening quickly, according to an affidavit by Miles Flamenbaum, vice president of corporate development.

The company had spent $600,000 in cash during the first nine months of last year, leaving only $119,000.

“At the current rate of its cash burn,” Flamenbaum said, SOMS “may run out of cash to properly operate its businesses within a few months.”

K&N accounted for $7.9 million in revenue in the previous two years and was the largest customer of its private label business.

The loss of K&N, he said, was “a very substantial blow.”

SOMS claims in the adversarial bankruptcy case that Turpin, its former national accounts manager, and K&N conspired to manufacture the filters and bypass SOMS in the marketplace.

Turpin left SOMS in October 2016 and went to work for K&N in January 2017.

He had managed relationships with KoAir Industrial Company Ltd. in South Korea and Interfil S.A. de C.V (now T&N De Mexico), the companies that made the filters that SOMS sold to K&N. KoAir and Interfil are also named as defendants in the lawsuit.

SOMS said its supply agreements prohibited KoAir and Interfil from making the filters for anyone else. But the manufacturers, according to the lawsuit, now make the filters directly for K&N, using SOMS technolo�y.

SOMS accuses the defendants of conspiracy to appropriate confidential information and Turpin of violating his fiduciary duties.

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Tarrytown's Carrier Logistics helps trucking companies keep up with demands of digital economy

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

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ick any object and, odds are, it came off a truck.

As Carrier Logistics Inc. President Ben Wiesen puts it, “everything we interact with, from the pen that you’re holding, to the table we are sitting around, got moved from its point of manufacture to the point we are using it. And it was moved on a truck.”

The Tarrytown-based company may well have had a role in moving that product.

Carrier Logistics has been in the trucking industry for more than 40 years, despite not owning any trucks nor employing any drivers. Instead, the company provides software and logistics consulting to help trucking companies run more efficiently.

Wiesen stepped in to the leadership role of the company in December, along with Kevin Linardic, who was named chief technolo�y officer the same week. They met with the Business Journal at Carrier’s office on White Plains Road to discuss the evolving nature of the trucking industry and what it means for the company.

“The leaders in trucking aren’t the men and women with the most grease under the fingernails,” Wiesen told the Business Journal.

“It’s the folks who are looking at trucking as a business, and they are measuring trends and performance indicators and demanding more information.”

Since 1972, Carrier Logistics has been working to supply that information. The company’s focus from the start was applying technolo�y to what was at the time a nontechnological industry.

Founders Don Adams and Ken Weinberg initially focused on taking “error-prone manual processes and automating them,” Wiesen said.

“When you think about what a trucking company does — servicing multiple customers on a route — what do they need to do?”

Wiesen said. “They need to reduce miles, they need to make service commitments and they need to handle the freight through warehouses as efficiently as possible.”

Carrier Logistics developed its specialty doing consulting and engineering in the lessthan-truckload sector, which is the sector of the industry that makes multiple stops while carrying smaller amounts of freight. That included helping those companies shift from phone books to computer databases. It may not sound revolutionary today, but it saved trucking companies time and money and helped reduce errors.

As the company’s business grew, computers shrunk. They also became cheaper.

As this happened, the vision of making technolo�y accessible in the trucking industry became more realistic. By the 1990s, Carrier

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Ben Wiesen (left), president of Carrier Logistics Inc., with Kevin Linardic, the company’s chief technology officer. Photo by Ryan Deffenbaugh.

offered trucking companies a full planning and business management system.

The company has grown to 30 employees developing and supporting its software for the trucking industry. The company is focused mostly in the U.S. and Canada, but also works in Australia and the United Kingdom.

Trucking generated industrywide revenues of more than $700 billion in the U.S. last year, according to the American Trucking Association. Trucking companies moved 10.77 billon tons of freight and employed 7.7 million people.

Wiesen and Linardic both joined the company in 1995 and have seen the industry change rapidly over that time. Trucking companies are adapting their systems to be prepared for an economy driven by online shopping and quick delivery times.

“They have to be there when they are needed and get where they are needed on time and adjust very, very rapidly,” Wiesen said. “Orders are no longer placed months in advance based on very complicated scheduling predictions. Now, people push a button on their phone and expect product to be somewhere the next day.”

Carrier pitches its cloud-based software platform, called FACTS, as a way for trucking

companies to thrive in that changing environment. Short for Freight Accounting and Tracking System, the company describes the software as a fully integrated system to handle each step of the shipping process from order to delivery: real-time quotes, route planning and tracking, billing and every other step of the delivery process.

The company’s client mix, as described

by Wiesen, includes small and growing companies, with fleets of 20 or so trucks, along with others operating fleets of more than 1,000 trucks positioned around the country.

Wiesen said his company’s platform can help “level the playing field” for providers competing with national carriers, who often invest substantial resources in developing internal logistics software.

Carrier is focused on introducing advanced technolo�y, such as artificial intelligence and blockchain, to advance its platform. The company is asking “how can we seize these opportunities to optimize what warehouse workers are doing? To optimize the route the trucks run?” as Wiesen described it.

Artificial intelligence can run complex algorithms for dynamic route pricing.

Blockchain — essentially a shared digital ledger — can uncover errors in the shipping

process. RFID technolo�y — what is used in your E-ZPass — identifies and weighs freight from the second a forklift picks it up and directs which truck the operator needs to drop it on.

“In real time, the fleet operators know, OK, the Chicago freight was loaded on the Chicago truck,” Wiesen said.

Trucking is seen by many to be headed toward a driverless future. A headline in the Wall Street Journal last fall read “Self-Driving Technolo�y Threatens Nearly 300,000 Trucking Jobs,” citing a new research paper.

Wiesen said that while technolo�y may already allow for companies to go driverless, “that is different from saying they should.”

Rather than fully driverless, Wiesen said trucking is more likely headed toward the use of autonomous fleets in the next three to seven years. That means one truck with a driver would guide a caravan of autonomous trailers down straight stretches of highway.

“We won’t see that in a city environment,” Wiesen said. “But when you look at the United States, there are thousands of miles of straight road with limited entrances and exits. Those are the areas where you are going to see autonomous vehicles even though the technolo�y could support a lot more.”

ASK ANDI Making the right choices I HAVE TO TRY TO PRIORITIZE MY DAYS BETTER. THERE’S A LOT ON MY PLATE AND I FEEL LIKE I’M BEING PULLED IN TOO MANY DIRECTIONS AT ONCE, WHICH MAKES THINGS REALLY CHALLENGING. ON TOP OF THAT I HAVE TO DEAL WITH CONSTANT INTERRUPTIONS. I DON’T WANT TO SET MYSELF UP FOR FAILURE. I KNOW THAT I SHOULD FOCUS ON MY TOP PRIORITIES, BUT HOW DO I KNOW WHAT THOSE SHOULD BE? THOUGHTS OF THE DAY: What’s really important is that you delegate, monitor and be ready to adjust. Learn how long it takes to really do stuff. Checking things off on a to-do list is rewarding. Taking breaks is healthier than trying to push through.

Make a list of things that will make you happy. More time off. Why? Describe how you’d use that time off to be happy. Focus on earning more revenue and profit. To what purpose? Write out a list of things that additional revenue and profit will provide for you and your business. Defining the outcomes will likely increase your commitment as you get in touch with the things your goals will enable.

Once you know what you want to accomplish, it’s time to put together your task list.

Include all the things that will have to get done in order to achieve your goals. This list is likely to be massive so don’t get overwhelmed.

Each morning and afternoon review the to-do list. Check off what’s done and add more things based on what’s come up and what you’ve learned during the day. The more stuff on the list, the better. Don’t worry if it’s more

ate due dates.

Find out how long it really takes to get things done by using next-steps lists, due dates and follow up to check off tasks when they’re completed. Keep a log of typical tasks and projects, with notes on how much time to budget the next time a similar project comes up.

Both for yourself and for all of the employees who count on you, don’t over-

look opportunities to review and update the completed projects on your next-steps list.

Give yourself and those around you small rewards, such as taking a short break, doing something that’s fun or allowing time for a chat. Recognize that taking credit for work completed can increase your endorphins, which makes you feel good and provides motivation for tackling additional items.

Scheduling regular breaks will boost performance and help you resist the temptation to power through. Even if you’re not done, walk away. Get up and move around, or go outside and breathe some fresh air. Surf the web or read a fun magazine article. Letting your brain rest up and “play” increases how alert and attentive you’ll be and allows for

sparks of innovations.

BOOK RECOMMENDATION: “The Time-Chunking Method: A 10-Step Action Plan for Increasing Your Productivity,” by Damon Zaharaides.

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

Check out our library of business advice articles at AskAndi.com.

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Scheduling regular breaks will boost performance and help you resist the temptation to power through.

DEAL DIRECT WITH THE DECISION MAKERS than you can get to.

Don’t bother trying to do everything on your next-steps lists. It’s not possible without help. Even if you might be able to do something better, asking other people to help will reduce the stress on you and free you up to focus on more important tasks.

To reduce the to-do list to what you can effectively manage, assign as many tasks as possible to other staff members. Use emails and meetings to hand out assignments. Ask the people who are supposed to own individual assignments for estimates of when each task will be completed. If they choose a date that’s too far out, explain the problem and renegoti-

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Train—

and chairman for four years. His Commuter Action Group, found on Facebook, Twitter and the website CommuterActionGroup.org, provides forums for Metro-North riders in Connecticut and New York to have their say about the railroad while learning about the views and experiences of others. When he’s not speaking out about railroads, he’s busy running a Darien-based corporate and executive communication consulting company.

“The MTA needs money,” said Cameron. “They need to invest in the repair of the tracks, the signal system and the overhead power lines.” That’s not exactly news to the MTA, as demonstrated in its recently adopted budget for 2019 and financial plan, that extends through 2022. The MTA’s board approved a $17 billion budget for 2019 that includes increases in bus and subway fares in New York City, fares on Metro-North and the Long Island Rail Road, connecting fares to ferries and Hudson Link buses and tolls at its seven bridges and two tunnels. The MTA board held off taking a vote on the hikes at its Jan. 24 meeting, with board member Lawrence Schwartz among those members wanting assurance of service improvements before being willing to vote for any increases.

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Credit—

the 750 level that is considered the mark of excellent personal credit.

Scarsdale was the highest-ranking municipality from the region on the WalletHub listing, ranked in 20th place with a median credit score of 770, tying with three other locations (California’s Danville and Manhattan Beach and New Jersey’s Westfield).

However, Scarsdale was not the highest-ranking New York place on the WalletHub list — Pittsford in upstate Monroe County came in 15th place at 774. Scarsdale was one of three Westchester municipalities with a median credit score above 750 — the others were Yorktown Heights (ranked 95th at 761) and Bronxville (ranked 130th at 758).

Over in Fairfield County, Darien scored the highest median credit score, placing 51st with 765.

Darien was also the highest-ranked Connecticut locality on the list.

Joining Darien in the range above 750 was Ridgefield (placed 81st at 761) and Westport (placed 97th with 760).

Trumbull barely missed out above the desired 750 ranking, coming in with a median credit score of 749.

Credit score ratings between

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MTA Chief Financial Officer Robert Foran said the budget deficit is projected to reach $1 billion in 2022. “Without additional recurring revenue in the near-term, future options will be even more service reductions, reductions in staffing and/or additional fare and toll increases,” Foran said.

For Metro-North, the final proposed budget for 2019 shows total receipts of $1.149 billion and total expenditures of $1.77 billion, leaving a negative cash balance of $621 million, which it looks to collect in subsidies from the MTA and the Connecticut Department of Transportation (CDOT). Proposed fare increases would apply on the Hudson, Harlem and New Haven lines in New York state. Fares on the New Haven Line in Connecticut are determined by the CDOT, and there are no announced plans for it to seek a fare increase this year.

The cost of a monthly ticket on the Harlem Line between White Plains and Grand Central Terminal would rise from $268 to $278. From Chappaqua, it would go from $311 to $322. The ride from Pawling would increase from $475 to $490 and from the end of the line, Wassaic, it would remain unchanged at $536.

On the Hudson Line, riders from Yonkers to Grand Central would pay $248 for a monthly ticket, up from

600 and 649 are widely considered to be examples of poor credit risk.

The region’s two lowest-ranked municipalities fell into that category Bridgeport ranked 2,377 out of 2,572, recording a median credit score of 638 while Mount Vernon, coming in 2,392nd place, produced a median credit score of 636. They were still higher than Camden, New Jersey, which scored last on the list with a median credit score of 543.

Four cities — East St. Louis, Illinois; Chester, Pennsylvania; Harvey, Illinois; and Detroit — tied for the second-lowest median credit score with 552 each.

The Villages, Florida, was the city with the highest median credit score of 806 while another Florida locality, Sun City Center, came in second with a 791 median credit score.

Rounding out the top of the list were Sun City West, Arizona (789); Saratoga, California (784); Green Valley, Arizona (783); Los Altos, California (782); Estero, Florida (780); Lexington, Massachusetts (776); and Needham, Massachusetts (776).

According to WalletHub analyst Jill Gonzalez, these locations appear to have a surplus number of financially responsible residents.

Commuters wait on line to buy train tickets at Grand Central Terminal.

Photo by Glenn J. Kalinoski.

$239. The price from Peekskill would go from $369 to $383. From the last stop, Poughkeepsie, there would be no change from the current $521.

On the New Haven Line, the cost of a monthly ticket from Port Chester to Grand Central is proposed to increase from $289 to $300. A oneway off-peak ride from Port Chester would go up to $10.25 from $10.

Some tickets would see very small increases. A one-way senior citizen ticket on the Harlem Line from Scarsdale to Grand Central would go from $6 to $6.25 and a one-way peak-hour child ticket from Ossining would increase from $7 to $7.25. Other tickets, such as those bought on the train, which cost more than at a ticket window or machine, would remain priced

as they are today or increase by $1.

The MTA board was presented with plans for a maximum increase of 3.85 percent for monthly and weekly tickets and no increase on monthly tickets at or above $500.

There would be a 4 percent increase to the one-way formula, but if the percentage rise came out to more than 6 percent, the increase would be capped at 50 cents. There would be a 2 percent increase for service west of the Hudson contracted through NJTransit.

Gov. Andrew Cuomo in a Feb. 7 speech to the Association for a Better New York forecast that the MTA’s fiscal picture will get worse before getting better, with a 30 percent increase in fares and tolls being a distinct possibility. “The

FAIRFIELD COUNTY

WESTCHESTER COUNTY DARIEN

SCARSDALE

MTA has been plagued by organizational dysfunction and disinvestment for decades, and we need better management and more money to turn it around,” he said.

Cuomo called on the state legislature to enact congestion pricing for midtown Manhattan in which motorists going below 60th Street would pay fees which would raise an estimated $15 billion for the MTA’s next capital plan.

Cameron points out that mass transit already is highly subsidized.

“If it literally costs Metro-North $10 to get you from Point A to Point B, in Connecticut the fare only covers about 75 percent of that. In Westchester and Long Island, the fare only covers about two-thirds of the cost.” He noted that even as fares and subsidies continue to rise, riders must feel they’re getting a return on their investment.

“The biggest complaint is that the trains are running slower. The next is the lack of seats on busy trains.”

An even bigger complaint, said Cameron, is when trains are standing room only and conductors can’t move around freely to collect tickets. “When you see somebody you know is an infrequent rider and they’re getting a free ride, you kind of resent that. It’s like walking into a store and seeing somebody shoplift. Eventually, you’re going to pay for that.”

“What the top 10 cities have in common is a large share of residents with excellent credit scores, up to 85.5 percent in The Villages, as well as a low percentage of residents with bad credit, the lowest being 2.4 percent in the same locality,” said Gonzalez. “Some things that contribute to maintaining a high credit score are above-average income and a low share of delinquencies.

In Saratoga, only 0.5 percent of residents are delinquent on their debts.”

Gonzalez recommended that individuals take a proactive approach in ensuring their credit rating doesn’t slip.

“Keeping your open accounts in good standing is one of the most important things,” she added. “This simply means staying current on your credit cards and loans. Another thing that’s affecting your credit score is credit utilization ratio. Try to keep it below 30 percent on each credit card, as anything more than that would indicate financial distress. The length of your credit history also goes into calculating your credit score. This is why it’s best to keep your old accounts open, even if you no longer use them — provided, of course, they don’t incur any fees.”

Former fugitive Albert Golant ordered to pay Westchester Export Capital $7.2M for car thefts

BY BILL HELTZEL bheltzel@westfairinc.com

F

ormer fugitive Albert “Alex” Golant — mob informant, convicted fraudster and compulsive gambler — has been assessed nearly $7.2 million for absconding with cars financed by a Westchester company.

U.S. District Judge Cathy Seibel awarded the judgment Feb. 4 to Westchester Export Capital LLC of Katonah, including interest and attorney fees and the $4.8 million that Golant received to finance the purchase of luxury cars for export.

The judgment was also assessed against Golant’s Wisconsin company, Timeless Auto Group, and its president, Tedmund Wayne Blankschein.

Golant was arrested in Miami in June after more than a year on the run. He was transferred to Milwaukee to face criminal charges in an alleged $30 million export scheme.

The auto export business can be quite lucrative, according to an IRS agent’s affidavit in the Wisconsin case. A BMW X5 SUV that sells for $103,000 in the U.S. can fetch $330,000 in China.

In the local case, Westchester Export advanced Golant $4,775,466 in 2016 to finance the purchase of 51 luxury cars for export. The vehicles had to be titled under Timeless’ name and stored in approved warehouses.

But in May 2017 Golant defaulted on an $85,250 payment. Westchester Export discovered that the cars were titled under other corporations, the cars were missing and Golant was nowhere to be found.

Westchester Export sued Golant in federal court in White Plains.

The finance company had located only 29 of the 51 vehicles, CEO Charles S. Brofman said in a court filing last year. Most of the cars could not be sold because of liens and claims.

Ten were sold for a total of $165,468, but the company had to pay $173,680 to pay off the liens on those cars.

Golant, who was born in Belarus and came to the U.S. when he was 9 years old, pleaded guilty to wire fraud in New York in 2013. He had taken $3 million that was supposed to be used to buy luxury cars for clients.

Instead, according to the IRS affidavit, he gambled away the money in Illinois and Nevada.

His sentencing was postponed while he helped the government convict Russian mobsters Michael “Fat Mike” Danilovich and Mikhail “Russian Mike” Zemlyansky in a racketeering case.

Golant won a lenient penalty. He was sentenced in 2016 to time served for wire fraud and operating an illegal gambling business. He was put on three years of supervised release and was allowed to move back to his home in Wales, Wisconsin.

A few months later he struck the deal with Westchester Export. The feds were already investigating his car brokering activities.

Auto manufacturers discourage dealerships from selling luxury cars that they know or suspect will be exported and dealers, according to the IRS affidavit, can lose their business.

Golant, according to the criminal complaint, used straw buyers to circumvent dealer restrictions. He gave cashier’s checks to the buyers to purchase cars or he got them to finance the purchases with phony information.

The buyers signed over the titles to Golant or an associate and the cars would be sold and shipped to China.

The feds believe Golant diverted funds to support his gambling habit. From 2014 to 2018, he allegedly spent $14.6 million gambling at casinos or paying professionals to gamble on his behalf.

Sometimes, he re-sold vehicles that had already been exported to China, the feds allege, and he would finance buy-backs using

false information.

“Through his scheme,” the U.S. Department of Justice said in a June 2018 press release, “Golant fraudulently obtained at least $30 million from at least 40 different victims.”

Golant pleaded not guilty and was placed in custody pending trial. On Feb. 1, the office of the U.S. Attorney for the Eastern District of Wisconsin notified the court that it was negotiating a plea deal with Golant’s attorney.

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FEBRUARY 18, 2019

7

THE LIST: Power Companies

WESTCHESTER COUNTY ENERGY COMPANIES

WESTCHESTER COUNTY AND REGION

Listed alphabetically.

Name Address Area code: 914, unless otherwise noted Website

President/ top executive Title Year founded

Atlantic Westchester Inc.

Bud Hammer President 1961

Commercial HVAC and energy-efficiency business providing maintenance programs, remediation services, turn-key energy efficiency upgrades and intelligent control systems solutions

Peter Arbeeny President and CEO 2011

Environmental-consulting firm focused on energy efficiency and sustainability, government and utility incentives

Michael Brown President 2009

Energy-reduction services, including home-energy audit, air sealing, insulation, heating and cooling, windows and doors, appliances and lighting

Marc Karell Principal 2009

Corporate sustainability/green programs, carbon footprint, emission-reduction strategies, energy assessments, environmental/air compliance

Timothy B. Cawley President 1823

Electric service provider for most of New York City and Westchester County and natural gas service provider for Manhattan, the Bronx, parts of Queens and Westchester

Mark Noyes CEO and president 1997

Energy-services company, provides power supply, renewable energy, sustainability services and cost-effective energy solutions for commercial, industrial, residential and government customers

Dr. Energy Saver of Hudson Valley *

Larry Janesky Founder and CEO 2011

Energy-efficient home insulation, including air sealing, HVAC and water heaters

Entergy Nuclear Operations Inc.

Chris Bakken Executive vice president, nuclear operations and chief nuclear officer 1962

Producer of nuclear clean air electricity

EnterSolar *

Paul Ahern Founder and president 2005

Solar energy company for businesses looking to convert to solar power solutions

James McHale and Frank Petrullo Owners 2008

Energy efficiency and savings

Arnold Bruzzano Founder and president 1978

Building, commissioning and energy-reduction services

Norm Jen Owner 2013

Consulting and testing services to promote energy conservation and green-building practices

Healthy Home Energy & Consulting Inc.

Kevin Brenner Founder and president 2006

Comprehensive home-energy audit, energy-efficient improvements

Kinsley Energy Group

David Kinsley President 1964

Energy solutions provider for customers throughout the northeast, distributer of Kohler power systems, provider of prime movers for co-generation, biomass and landfill applications

Paraco Gas Corp.

Joseph Armentano CEO 1968

Privately held marketers of propane gas

R3 Energy

Rudy W. Scholl President 1997

Energy-efficient improvement services

SolarKal *

Yaniv Kalish CEO and Founder 2015

Solar brokerage company offering solar energy solutions, including feasibility assessment, advisory services, and procurement management

SunBlue Energy

Christopher Hale Owner 2009

Designs and installs solar-energy systems (photovoltaic/PV or solar hot water) for both residential and businesses

Sunrise Solar Solutions LLC

Doug Hertz and Eric Messer Principals 2009

Residential and commercial photovoltaic solar system

Wheelabrator Westchester LP

Robert "Bob" Boucher Jr. Wheelabrator's president and CEO 1908

Converter of municipal solid waste and other renewable waste fuels into clean energy

264 Adams St., Bedford Hills 10507 666-2268 • atlanticwestchester.com

Bright Energy Services

(A division of All HVAC Service Company Inc.) 620 Mamaroneck Ave., No. 244, White Plains 10605 347-470-7090 • brightenergyservices.com

BrightHOME Energy Solutions (A division of Robison Oil Inc.) 500 Executive Blvd., Elmsford 10523 506-5481 • brighthome.com

Climate Change & Environmental Services LLC 1506 Henry Ave., Mamaroneck 10543 584-6720 • ccesworld.com

Consolidated Edison Company of New York 178 Theodore Fremd Ave., Rye 10580 800-752-6633 • coned.com

Consolidated Edison Solutions Inc. (A subsidiary of Consolidated Edison Inc.) 100 Summit Lake Drive, Valhalla 10595 286-7000 • conedsolutions.com

2901 Route 17K, Bullville 10915 793-4400 • westchesterdrenergysaver.com

Indian Point Energy Center, Buchanan 10511 736-8000 • entergy-nuclear.com

805 Third Ave., 20th floor, New York 10022 888-225-0270 • entersolar.com

EnviroCare LLC

(A division of JP McHale Pest Management Inc.) 241 Bleakley Ave., Buchanan 10511 800-479-2284 • eaqr.com

Environmental Control

92 North Ave., New Rochelle 10801 632-1815 • envconcx.com

Greenergy NY

(Affiliate of Jenesis Group) 5 Orchard Ridge Terrace, Chappaqua 10514 238-9500 • jenesisgroup.com 362 Adams St., Bedford Hills 10507 810-6251 • gethealthyhome.com

310 Guinea Road, Brewster 10509 218-9940 • kinsley-group.com

800 Westchester Ave., Rye Brook 10573 800-647-4427 • paracogas.com

1 Central Ave., Suite 311, Tarrytown 10591 909-3940 • r3energy.com

222 Broadway, 19th floor, New York 10038 855-516-5777 • solarkal.com

147 Valley St., Sleepy Hollow 10591 222-3510 • sunblueenergy.com

510 N. State Road, Briarcliff Manor 10510 762-7622 • sunrisesolarllc.com

1 Charles Point Ave., Peekskill 10566 739-9304 • wtienergy.com

Description/Services

This list is a sampling of energy companies that serve the region. If would like to include your company in our next list, please contact Peter Katz at pkatz@westfairinc.com. * Company located outside of Westchester County but serves the region.

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FEBRUARY 18, 2019

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IN THE COURT Insurer sues Houlihan Lawrence over coverage for dual agency lawsuit

BY BILL HELTZEL bheltzel@westfairinc.com

A

n insurance company is asking the federal court in White Plains to declare that it has no obligation to provide coverage to the Houlihan Lawrence Inc. real estate firm against allegations of dishonest and fraudulent practices.

Great American Insurance Co. of Cincinnati sued Houlihan Lawrence of Rye Brook on Feb. 4 over a lawsuit filed last year accusing Houlihan of improper use of dual agency.

That lawsuit, Great American claims, shows that Houlihan’s actions were not “the result of innocent mistakes, technical violations or a few rogue agents.”

Houlihan issued a statement in the original case denying the allegations and pledging, “We will continue to represent our buyer and seller clients with integrity.”

Houlihan has 30 offices and 1,300 agents in Westchester, Putnam and Dutchess counties. It booked nearly $3.7 billion in sales in Westchester alone in 2016.

Houlihan has a $5 million professional liability policy with Great American.

The original lawsuit was filed July 14 in Westchester Supreme Court by Pamela N. Goldstein, who bought a house in Greenburgh for $635,000 in 2017. She claims she was an unwitting victim of dual agency — in which a real estate firm represents both the buyer and seller and collects commissions from both sides of the transaction — and was pressured into paying $37,100 more than the initial asking price.

The complaint was amended to include Ellyn and Tony Berk, who sold their deceased mother’s White Plains house in 2014, and Paul Benjamin, who bought a Bedford house in 2016.

The complaint alleges that Houlihan has pocketed hundreds of millions of dollars in unearned sales commissions.

Dual agency is legal in New York if it is fully disclosed and the client consents.

The accusers claim that Houlihan institutionalized a dual agency scheme by paying

kickbacks to employees who secured double commissions.

They say the firm duped clients into signing consent forms, avoided discussions about the risks of dual agency and failed to notify clients when the situation involved dual agency.

Those alleged practices, Great American says in its federal court complaint, ran afoul of exclusions in the professional liability policy.

The policy disallows claims “arising out of any dishonest, intentionally wrongful, fraudulent, criminal or malicious act or omission.”

The policy also does not apply to commissions, some legally obligated damages or expenses such as legal fees that Houlihan incurred in defending itself.

The policy does obligate Great American to defend Houlihan or approve the firm’s attorneys. But Houlihan, Great American claims, failed to get its consent for hiring Collier Halpern & Newberg of White Plains and Barnes & Thornburg of Indianapolis.

Houlihan states in a motion to dismiss the orig-

inal lawsuit that all four clients consented to dual agency. “Nothing was hidden,” a memorandum of law states, and the clients “were not deceived.”

The Berks, according to Houlihan, have no legal standing because they were administrators of

their mother’s estate, did not own the property and did not personally pay any commissions. Their complaint was filed more than four years after the property was sold, the firm says, and was beyond the statute of limitations.

As to Goldstein and

Benjamin, as buyers, Houlihan says, “anyone who has sold a home knows that the seller pays the entire commission.”

In this case, Houlihan argues, the buyers “seek a windfall — to recover commissions others paid to Houlihan Lawrence. That fact is fatal to their claim.”

Trustee accuses millionaire of misusing children’s funds

BY BILL HELTZEL bheltzel@westfairinc.com

F

ormer wealth manager Bradley C. Reifler transferred $10.6 million in and out of his children’s trust accounts, a bankruptcy court trustee says, and illegally funneled funds to himself, his wife and his mother.

In a lawsuit filed Jan. 19 in federal bankruptcy court in Poughkeepsie, U.S. Trustee Marianne T. O’Toole accused Reifler of making fraudulent transfers. The complaint also names his wife, Nancy, and mother, Lisette Ackenberg, who served with him as trustees to the children’s funds, as well as two of his three children, the five trust

funds and four limited liability companies.

“The defendants knew of the debtor’s massive fraud,” the complaint states, “at the time they accepted the transfers.”

The complaint was filed as part of Reifler’s 2017 Chapter 7 bankruptcy liquidation petition in which he declared $5 million in assets and $43 million in liabilities.

Reifler was a co-founder of Pali Capital, a derivatives and fixed-income trading firm, and a founder of Forefront Management Group.

He reportedly lived a lavish lifestyle, spending $8 million renovating a 144-acre horse farm in Millbrook, Dutchess County.

The new lawsuit is one of eight adversarial bankruptcy

proceedings challenging his liquidation petition.

The trust funds, according to the new complaint, were set up to benefit his children: Kelsey, an art director; Paige, a fashion model; and Cole, president of Zenith Insured Credit.

Bradley Reifler allegedly controlled the trusts and used their bank accounts as his own.

Reifler failed to maintain records and he destroyed documents, before and after he filed for bankruptcy protection, the complaint states. He and family members have not produced trust documents, bank statements, inventories or tax returns that would explain the transfers or loans.

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FEBRUARY 18, 2019

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Court OKs crematory for White Plains Rural Cemetery

BY BILL HELTZEL bheltzel@westfairinc.com

W

hite Plains Rural Cemetery Association should be allowed to build a crematory, an appellate court has ruled.

The city of White Plains had challenged a lower court ruling that said the Zoning Board of Appeals acted improperly in denying a use variance for a crematory.

But the zoning board’s decision was “arbitrary and capricious,” the Second Appellate Division ruled on Jan. 30 in upholding the lower court’s decision.

White Plains Rural Cemetery has been operating as a private, nonprofit, nondenominational burial ground since 1854. It has 30 acres at 365 N. Broadway, between Interstate 287, Metro-North Railroad tracks, industrial properties and residences.

It is in a residential zone but it predates the zoning laws and has been classified as a legal, nonconforming use.

In 2014, the cemetery applied for a building permit for a crematory. It was operating at a loss. It was running out of property for burial plots. It could not afford to build a mausoleum and re-inter bodies. But it recognized a growing interest in cremation, according to court documents, and saw a way to turn

a surplus.

The building department denied the permit, taking the position that a crematory was not an allowable use and that the cemetery would need a variance.

The cemetery appealed to the zoning board.

The North Broadway Citizens Association objected to the proposed crematory, citing the perception of “the burning of dead bodies within the site and scent of people’s homes.”

Residents voiced concerns during three public hearings about environmental impacts, real estate values and traffic.

The cemetery countered with expert opinions. The crematory would not be “seen, heard or smelled by virtually all surrounding properties.”

It would be too far away to alter the essential character of the closest neighborhoods.

While burials generally draw 20 to 30 cars, cremations are attended by fewer people with one or two cars.

The zoning board rejected the cemetery’s argument and upheld the building commissioner’s denial of a permit. A variance would be necessary, it ruled, and then it denied the variance.

The cemetery petitioned Westchester Supreme Court to overturn the decision.

Justice Helen M. Blackwood said in a 2017

decision that the zoning board was correct in finding that a crematory is a separate and distinct use from a cemetery that requires a variance.

The cemetery had to demonstrate that it could not make a reasonable return on the property as currently zoned, that the hardship was a result of the property’s unique characteristics, that the proposed use would not alter the character of the neighborhood and that the cemetery did not create the hardship.

The cemetery had established each element, she concluded.

The board’s denial of a variance was “arbitrary, capricious and lacking a rational basis,” she wrote, and was “improperly based upon generalized community opposition.”

She ordered the building commissioner to issue the building permit.

The board had acted reasonably in requiring a variance, the appellate justices said, but the cemetery had demonstrated that it qualified for a variance based on unnecessary hardship.

The city was represented by John G. Callahan, corporate counsel, and Doreen Lusita-Rich. The cemetery was represented by Patricia Wetmore Gurahian of McCullough, Golderberger & Staudt of White Plains.

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FEBRUARY 18, 2019

11

Judge: Mom’s insurance card no guarantee of hospital payment

BY BILL HELTZEL bheltzel@westfairinc.com

W

estchester Medical Center has been left with an unpaid bill for medical services provided to a woman who submitted her mother’s insurance card for payment.

The Valhalla hospital claims that the insurance card amounted to a promise of payment.

But Westchester Supreme Court Justice Terry Jane Ruderman ruled Jan. 29 that because the bill lacked the mother’s signature, “the claimed promise is unenforceable.”

Fanette Ceus was treated at the hospital in 2015 and presented the Aetna insurance card of her mother, Antoinette Ceus, of Elmsford. The card, according to court records, listed Fanette and three other children as beneficiaries.

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FEBRUARY 18, 2019

Fanette also signed a patient consent form that stated she was covered by the health plan.

Aetna declined to pay for the services for reasons not explained in the lawsuit.

Then the hospital’s parent company, Westchester County Health Care Corp., sued Antoinette for $12,810.

She denied any knowledge of the medical incident and claimed that it wasn’t until she received a copy of a hospital form that she knew her daughter was the patient.

Her daughter was an adult at the time of the medical services, she said in an affidavit.

“I did not accompany her to the hospital, nor did I make a promise to pay for her medical service. She does not reside with my husband and me.”

Her attorney, Jeffrey I. Klein, moved for summary judgment, contending that

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the mother cannot be held liable for services for her adult daughter for which she did not promise to pay.

But even when a parent requests medical services for a child the parent is not necessarily liable for the cost of those services.

That motion, argued the hospital’s attorney, Michael J. Florio, is “inappropriate and distasteful.”

He said the hospital has been cheated by the mother’s “mistaken, false or fraudulent claims.” The mother “goes on to state,” he said, “that she is not responsible for her daughter’s behavior.”

Florio cited federal law that allows a child to stay on the parents’ health insurance plan until age 26.

The mother could sue her daughter or Aetna, he said, “if she believes this will help clear her of responsibility.”

The crux of the hospital’s case, Ruderman said, is that the use of the insurance card was a commitment by the mother “to answer for a debt incurred by those individuals listed on the insurance card.”

But even when a parent requests medical services

for a child, she said, the parent is not necessarily liable for the cost of those services.

In this case, the mother neither requested the services nor promised to pay.

As for covering children up to age 26 on the parents’ insurance, the federal mandate does not include a requirement to pay for medical expenses that are not covered by the insurance after the child reaches age 21.

A guarantee to answer for the debt of another person, Ruderman stated, must be in writing and signed by the person who is to be charged. The insertion of a name on a bill as guarantor, without a signature, “is unenforceable.”

Ruderman granted the motion for summary judgment and dismissed the hospital’s case.

Westchester Medical Center has won a partial victory against Antoinette. Five

months after her daughter’s incident, Antoinette was treated at the hospital.

The hospital tried to bill Aetna but the claim was rejected because Antoinette was no longer covered by the plan. Then the hospital billed Empire Blue Cross/Blue Shield.

That claim was rejected because it was submitted more than 180 days after the date of service.

The hospital sued Antoinette for $4,188.

The hospital claimed that she presented the wrong insurance information. She said she presented the correct card and is not responsible for the hospital’s failure to submit the claim in time.

This time, Ruderman denied a motion for summary judgment.

Whether Antoinette’s story is credible or the hospital erred, she said in a Nov. 5 decision, is a triable issue.

FOCUS ON

BANKING & FINANCE WESTCHESTER COUNTY BUSINESS JOURNAL

Helping employees manage their money helps the bottom line

BY RODNEY BOLDEN

W

hen I ask people, “What comes to mind when you think about wellness at work?” they typically talk about traditional employee benefits — health insurance, employee assistance programs and ensuring there are healthy snacks in the vending machine.

Employers should also take stock of employees’ financial wellness — their ability to make confident financial choices that enable them to avoid stress today and provide for secure financial futures tomorrow.

Many people across the economic spectrum aren’t confident they have the insight and tools to make

appropriate financial choices.

For employers, the lesson is that employees’ financial stress can’t always be cured with a regular paycheck. The other important lesson is the understanding that employees’ financial stress impacts their personal well-being and their workplace contributions.

Consider these findings from the 2018 PwC Employee Financial Wellness Survey: • Regardless of age employees surveyed stated that financial challenges and money matters create the most stress in their lives.

• Despite an improving economy and strong job market, nearly half (47 percent) of employees report they are stressed dealing with their financial situation, and 41 percent say their stress level related to finan-

cial issues increased over the past 12 months.

• Employees who are stressed about their finances are in worse financial shape compared with employees who are not stressed about their finances. For example, 37 percent of those feeling financial stress struggle to make minimum credit card payments each month, compared with six percent of employees not dealing with financial stress.

Research shows that, at times, employees resort to taking time off from work to deal with financial concerns. Other times, employees may be present at work but their attention is focused on resolving their financial problems. Willis Towers Watson research showed employees with financial

worries lost 12.4 days to “presenteeism” — being present but significantly distracted — nearly four times the days lost to actual absences.

Workplace financial wellness programs are one solution to this ongoing problem.

Employers considering a financial wellness program should look for the following services: • On-site sessions where employees can learn about financial wellness and best practices for understanding their personal finances and how to take control of their finances.

• Online resources that enable employees to track their spending, set budgets and document their progress toward specific financial goals.

• Personalized advice that

is tailored to employees’ individual financial concerns.

• Banking products that support financial wellness.

Research shows workplace financial wellness programs make a difference.

PwC reports 65 percent of employees who have workplace financial wellness programs tap those programs to get spending under control, prepare for retirement and pay off debt.

A worksite financial wellness program can, for example, help employees start the home-buying process as they may realize it requires less of a down payment than they thought.

Workplace financial wellness programs also let employers demonstrate how much they value their employees, providing real-

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life and tangible support that helps employees be more financially fit.

We know that in a tightening labor market, workplace financial wellness programs can help employers retain valued employees and attract high-quality new talent, allowing a business to remain competitive.

Rodney Bolden is a KeyBank Key@Work relationship manager serving business clients throughout Key’s Hudson Valley/Metro New York market. He may be reached at 845-483-3060 or Rodney_Bolden@keybank. com. Bolden’s contribution is presented for informational purposes only and should not be construed as individual tax or financial advice.

KeyBank does not provide legal advice.

FEBRUARY 18, 2019

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FOCUS ON

BANKING & FINANCE

WE’RE IN THIS TOGETHER.

YOU CAN BANK ON IT.

What you need to know about financial planning for college education

BY CHRIS KAMPITSIS and BEN SOCCODATO

T

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FEBRUARY 18, 2019

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WESTCHESTER ROCKLAND ORANGE 1/22/19 5:08 PM

here are many ways to save for college education. It’s the how and where that is the hard part.

The most common form of college savings is the 529 plan. After the recent tax law changes, 529 plans may be more attractive than ever for some families. In New York state, married couples filing jointly can deduct up to $10,000 annually for contributions and single filers can deduct up to $5,000. Coupled with tax-deferred growth and tax-free withdrawals if used for higher education there is a lot to like.

With the recent federal tax reform, 529 funds can be used for the first time toward private elementary or secondary school tuition. For families intending to go this route, this added flexibility may provide the incentive to take full advantage of this state tax deduction.

But the 529 plan is not for everyone. Many parents want even greater savings flexibility, view financial aid incentives as a more significant planning opportunity or want to save for their child’s future without obligating them to have to use it for college. Perhaps their child wants to be an actor, an athlete, pursue a trade, etc.

Maybe a parent feels comfortable they have the luxury of affording college from cash flow — and simply wants to provide their child a “head start” with money that can be used for a home down payment, a wedding, etc.

The opposite could be true — parents want to save — but are concerned about their own financial security. They want a safety net free of income taxes and penalties in case an emergency comes

along, or financial priorities change. You can borrow for college, but you can’t borrow for retirement.

For those whose income or financial position allows, contributing to a Roth IRA each year can be a unique tool. Many are familiar with the basic Roth story — aftertax contributions, tax-free withdrawal of gains. What many don’t realize is that any principal deposit can be withdrawn penalty and tax-free five years after contribution. This can allow future-focused savers a great emergency fund or alternative college savings path.

Also, all withdrawals from both traditional IRAs and gains in Roth IRAs, while not tax-free, are exempt from penalty if used for qualified education expenses.

Another arrow in the college savings quiver is whole life insurance. Often misunderstood or poorly implemented, this form of cash value life insurance can make sense for those who can check the following boxes: desire to have a death benefit to protect their family; children are young — 10 years or more until college; prefer a conservative investment; and family may be a candidate for financial aid. Cash value whole life, particularly the type you pay for a specific, limited duration (such as 10 years), can provide a less-volatile rate of return. There is also the peace of mind of the death benefit helping to fund college costs should the unexpected happen.

The most common financial aid application does not ask for the cash value of life insurance policies — while they certainly do want to know how much you have saved in a 529 plan or other investment account.

Another savings tool

that is often overlooked for the purpose of college is the all-too-common, yet underutilized, brokerage account. People save in their 401(k) and put a certain amount into an emergency fund, but rarely do they invest simply for the purpose of investing. Buying a quality mutual fund, exchange-traded fund or stock can be powerful. Over the years this can and should build wealth. This wealth can be used for any purpose you want.

When it comes to college make it a priority for the entire family around birthdays, holidays, religious events and graduations. Let people know the accounts you have established and allow them to participate in the savings goal.

Your employer may offer a match at work that encourages people to save for their retirement. If you are a business owner, the match you may offer undoubtedly encourages increased savings by your employees. Offer your daughter or son a “college savings match.” If he or she works and saves for college, match their contribution.

Representatives do not provide tax and/or legal advice. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

Chris Kampitsis and Ben Soccodato are financial planners, financial services executives and investment advisor representatives at The SKG Team at Barnum Financial Group in Elmsford. They can be reached at skg@barnumfg.com.

CELEBRATING MORE THAN A DECADE OF RISING STARS Nominate a candidate (perhaps yourself!) who fits the description of a young (25 or over and under 40), dynamic industry leader who is part of the county’s business growth. Candidate MUST work in Fairfield County and have not previously won the competition.

NOMINATE: westfaironline.com/events DEADLINE: April 3 For information, contact: Tracey Vitale at tvitale@westfairinc.com.

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CHAMBER PARTNERS: Darien Chamber of Commerce | Fairfield Chamber of Commerce | Wilton Chamber of Commerce | Greater Norwalk Chamber of Commerce | Greater Valley Chamber of Commerce | Ridgefield Chamber of Commerce | Westport-Weston Chamber of Commerce | Greater Danbury Chamber of Commerce | Greenwich Chamber of Commerce | Bridgeport Regional Business Council

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GOOD THINGS LEADERSHIP ROLES AT WHITE PLAINS HOSPITAL White Plains Hospital has announced the appointment of new department directors and section chiefs.

John Cardasis is the new section chief of critical care, overseeing a team of intensivists. He is board certified in internal medicine, pulmonary disease and critical care medicine.

Kay Lovig, a specialist in endocrinology and metabolism with a focus on women’s health, weight management, thyroid disorders and diabetes, is the new section chief of endocrinology. She is board certified in internal medicine and endocrinology.

Boris Chulpayev is the new section chief of neurology. He also is the director of the hospital’s stroke program.

He is board certified in neurology and psychiatry and board-eligible in vascular neurology.

Andy Casden is the department director of orthopedics. He is a board-certified orthopedic spinal surgeon.

Zsolt Kulcsar is the new section chief of rheumatology. He is board certified in internal medicine and rheumatology.

Susanna Cronin

Susan O’Brien

Top, from left: John Cardasis, Kay Lovig and Boris Chulpayev. Bottom, from left: Andy Casden, Zsolt Kulcsar, Lori Madmon and Carolyn Lederman.

Lori Madmon is the new director of pediatrics. A board-certified pediatrician, she oversees the care of all pediatric patients admitted to White Plains Hospital.

Carolyn Lederman is the new section chief of ophthalmology. She is a board-certified ophthalmologist and specializes in pediatric ophthalmology

TEXTING FOR HELP Kathryn Delaney

CHAZEN WINS AWARD FOR ENGINEERING EXCELLENCE The Chazen Companies has been selected by The American Council of Engineering Companies of New York (ACEC) for a 2019 Silver Award in Engineering Excellence.

ACEC is a group of consulting engineering firms from across New York state with a mission to promote the business interests of member firms through networking, advocacy, education and business services. For more than 50 years, ACEC has presented the awards for various projects based on uniqueness, complexity, social and economic considerations and future value to the engineering profession.

Chazen analyzed the various alternatives for a project known as the Kaal Rock Park Connector, a suspended walkway and related park improvements along the Hudson River in Poughkeepsie. It worked with Scenic Hudson and the Poughkeepsie Alliance to develop a design for the project.

Two years ago, Chazen won a Diamond Award, the highest level achievable, from ACEC for the Kaal Rock Project Feasibility Study in the same category.

“We are thrilled to again be recognized for our Kaal Rock Connector project,” said Mark Kastner, Chazen’s senior principal and president.

HOULIHAN ADDS THREE IN RYE Houlihan Lawrence has announced the addition of three agents to its office in Rye. They are Susanna Cronin, Susan O’Brien and Kathryn Delaney, all of whom were most recently with Coldwell Banker’s office in Rye. Cronin has 20 years of experience in residential real estate. She holds both master’s and bachelor’s degrees from Trinity College in Dublin, Ireland.

O’Brien has been in real estate sales for more than 20 years. She has a bachelor’s degree from Boston College and a master’s degree from New York University.

Delaney has been in real estate for 10 years. Originally from Australia, she has lived in Canada, England and California. She holds a bachelor’s degree from the University of Technology in Sydney, Australia.

“We couldn’t be more thrilled to welcome such talented additions to our team,” said John Gardner, brokerage manager for Houlihan in Rye.

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

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Richard A. Straut

STRAUT ADVISES HVEDC From left: UWWP Board Chair June Blanc; 2-1-1 Board Chair Chris Ashman; Alana Sweeny; Senior Vice President 2-1-1 Lini Jacob; and Andrea Brown, representing state Sen. Andrea-Stewart Cousins.

Senior citizens do it, millennials do it, children do it and now people seeking help from United Way of Westchester and Putnam (UWWP) can do it: send a text message. Alana Sweeny, president and CEO of UWWP, announced that users of its 2-1-1 Referral Line can now send a text message seeking help. Sweeny said that UWWP’s 2-1-1 Call Center acts as a lifeline for more than 8,000 callers a month.

“We want people to be able to reach us in different ways. More and more peo-

ple are using their fingers instead of their voices to talk,” she said. Sweeny added that text messaging would be available from 2 to 6 p.m. initially and expanded once more funding is available. Users can text to 898211 to reach a call specialist.

United Way’s 2-1-1 Call Center provides referrals 24 hours a day, 7 days a week to food assistance, housing and shelters, utilities, abuse prevention, suicide, foster parenting, medical help and more.

Representatives of New York state

Senators Andrea-Stewart Cousins, Peter Harckham and Alessandra Biaggi were among those on hand for Sweeny’s announcement.

Launched in 2006, the call center is located in UWWP’s Central Avenue office in White Plains. It receives calls from four regions: Long Island, Hudson Valley, Adirondack and Northeast. Specialists use a large database to find resources by zip code. They have access to a service that can translate 200 languages into English and back again.

The Hudson Valley Economic Development Corp. (HVEDC) has welcomed Richard A. Straut, principal at the engineering and landscape architecture firm Barton & Loguidice (B&L) to its advisory board.

Straut has more than 30 years of experience in assisting municipal and industrial clients in a wide range of water supply and wastewater management projects.

Among his responsibilities is managing the firm’s Somers, Albany, Newburgh and New Paltz offices.

Mike Oates, president and CEO of HVEDC, said, “Rich and the B&L team support growth and value sustainability, two things that drive much of what we do here at HVEDC.”

UJA EVENT ON GROWING BUSINESS

Mary M. Petzke

PETZKE NAMED TO NEW POST AT NYMC Mary M. Petzke, assistant professor of microbiology and immunology and the founding director of the Summer Trainees in Academic Research (STAR) Program at New York Medical College (NYMC) in Valhalla, has been appointed assistant dean for medical student research.

In her new role, she will continue to support research mentoring for medical students and direct the biomedical research area of concentration in the medical doctor program.

“Integrating our medical students into our research enterprise benefits the college, but also develops critical thinking and communication skills that often translate into better patient care,” Petzke said.

Petzke, who joined the NYMC faculty in 2010, will continue to serve on the STAR steering committee and continue her research on the immunopathogenesis of bacterial infections, especially Lyme disease, with a specific focus on mechanisms the bad bacteria uses to evade efforts by the body’s immune system to destroy them.

WORLD PREMIERE AT THE MUSIC CONSERVATORY A world premiere musical performance comes to the Music Conservatory of Westchester in White Plains on Sat., March 23. The Manhattan Chamber Players will perform a new composition by former Scarsdale resident and conservatory board member Mary L. Bianco. The event is free and begins at 4 p.m.

Bianco’s latest composition is written for clarinet, viola and piano. Also scheduled for performance is her celebrated work from 2017, “Alegre y Divertida.” Other pieces in the program include Beethoven’s String Trio in C minor, Op. 9 no. 3 (1798), and selections from Max Bruch’s Eight Pieces for Clarinet, Viola and Piano, Op. 83 (1908). The musicians include David Fung on piano; Mark Dover, clarinet; Brendan Speltz, violin; Luke Fleming, viola; and Andrea Casarrubios, cello.

Conservatory Executive Director Jean Newton said. “This concert will be a thrilling experience to share with our students and for the whole community.”

“I am honored to present my music at the school where I began studying piano at age 4 with Michael Pollon and at age 16 composing with Irwin Stall,” Bianco said.

From left: Norman G. Roth, Mae Carpenter and Westchester County Executive George Latimer.

From left: Andrew Weisz, Randi Rosenblatt, Robin Colner, Mark Weingarten, Debra Weiner, David Singer and Ashley Bendell.

UJA-Federation of New York’s Westchester Emerging Professionals recently held a panel discussion on “How to Grow Your Business in Westchester.” The event was co-chaired by three people who know something about growing businesses: Ashley Bendell of Ardsley, district manager of major accounts for ADP; Randi Rosenblatt of Chappaqua, director of business development for Bliss Lawyers; and Andrew Weisz of New York City, vice president of the real

estate firm RPW Group.

Nearly 40 young professionals from around the county gathered for the briefing by a panel of experienced Westchester business professionals, including Robin Colner, founder and CEO of DigiStar Media; David Singer, president of Robison Oil; and Debra Weiner, senior vice president of investments at Stifel.

Mark Weingarten, a partner at the law firm DelBello Donnellan Weingarten Wise

& Wiederkehr moderated the discussion.

The new Westchester Emerging Professionals was formed to provide young Jewish professionals working in Westchester with a place to connect both socially and professionally as they build their careers. The group’s next event, scheduled for April 29, will deal with ethics in the office. More information from Alexis Goldstein at goldsteina@ujafedny. org or 914-385-2122.

TONY AWARD-WINNER RECEIVES ANOTHER AWARD IN ELMSFORD Tony Award-winning director Richard Maltby Jr. was invited on stage at the Westchester Broadway Theatre (WBT) in Elmsford on Feb. 1 to receive the Special Pioneer Award from Audelco, an organization that supports the arts in black communities. Maltby directed WBT’s current production of “Ain’t Misbehavin,” a show he conceived and directed on Broadway in 1978, which won a Tony, Outer Critics’ Circle and Drama Desk awards as best musical of the year. Maltby won the Tony as best director.

“Ain’t Misbehavin’” is based on the story and music of black musical legend “Fats” Waller. It ran for 1,609 performances on Broadway and runs through Feb. 24 at WBT. Maltby has directed numerous other Broadway hits, including “Fosse,” which also received the Tony Award as best musical. He also was the lyricist or co-lyricist for shows such as “Big” and “Miss Saigon.”

Audelco, the Audience Development Committee Inc., has programs to introduce youngsters to theatre. It maintains the Black Theatre Archives, which is a collection of original materials, including costumes, sets and papers. It also presents seminars, lectures and forums to increase awareness of black contributions to the theatre arts.

GREENWICH HOSPITAL GIVES GRANT TO WESTCHESTER As senior citizens who live in the Brooksville Terrace Apartments in Port Chester looked on, Norman G. Roth, president and CEO of Greenwich Hospital, presented a $7,500 grant to Mae Carpenter, commissioner of Westchester County’s Department of Senior Programs and Services (DSPS) to support the TIPS Program.

TIPS, an initiative overseen by DSPS, provides regular checks of senior citizens’ vital signs by a trained technician. The data is transmitted to a nurse who reviews it remotely. If there is cause for concern, the nurse may contact the patient, caregiver or primary care physician directly. The technician leaves a “TIPS Sheet” that includes vital signs, an explanation of results and relevant recommendations or referrals.

Roth said: “More than 53 percent of our patients live here in Westchester County. We have, and will continue to support and promote the health and well-being of its residents – this is just one step of many more to come.”

CONNECT WITH westfair communications

westfaironline.com wagmag.com Richard Maltby Jr., left, receiving the award from Audelco’s Curtis Farrow.

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Facts & Figures

ON THE RECORD

New York

Bergdorf Goodman Inc., et al. Filed by Jane Doe. Action: The Americans with Disabilities Act of 1990. Attorney for plaintiff: Seamus Barrett. Filed Feb. 11. Case no.

1:19-cv-01277-GBD.

Midland Credit Management Inc., et al. Filed by Robert Martin.

Action: Fair Debt Collection Act. Attorney for plaintiff: Amir J. Goldstein. Filed Feb. 6. Case no. 1:19-cv01147-AJN.

Tribune Broadcasting Company LLC. Filed by Paul Martinka.

Action: copyright infringement.

Attorney for plaintiff: Richard Liebowitz. Filed Feb. 9. Case no. 1:19-cv01266-PGG.

Salaam Bombay Inc., 319 Greenwich St., New York 10013. Chapter 11, voluntary. Attorney: H. Bruce Bronson Jr., Harrison. Filed Feb 10. Case no. 19;10379-mew.

Brooke Alexander Inc. Filed by Steven Matzura. Action: federal question. Attorney for plaintiff: Jeffrey Michael Gottlieb. Filed Feb. 8.

Case no. 1:19-cv-01247-LGS.

Naterra International Inc. Filed

by Just One LLC. Action: Declaratory judgment. Attorney for plaintiff: Jonathan Marc Purow. Filed Feb. 12.

Case no. 1:19-cv-01341-JSR.

Trinity Capital Corp., et al. Filed

by Bernice Loar. Action: Securities Exchange Act. Attorney for plaintiff: Juan Eneas Monteverde. Filed Feb. 12. Case no. 1:19-cv-01340-RA.

Vbar 3 LLC, 229 Sullivan St., 5B, New York 10012. Chapter 11, voluntary. Attorney: Richard Byron Peddie, Boulder, Colorado. Filed Feb. 10.

Case no. 19-10378-scc.

Carepoint Health ­ – Hoboken University Medical Center.

Filed by Margot Riphagen. Action: E.R.I.S.A.– civil enforcement of employee benefits. Attorney for plaintiff: Cristina Elvira Gallo. Filed Feb. 11. Case no. 1:19-cv-01286-KPF.

Nationwide Mutual Insurance Co. Filed by Zurich American Insurance Co. Action: diversity – declaratory judgment. Attorney for plaintiff: Adam Mason Smith. Filed Feb. 11. Case no. 1:19-cv-01287-VEC.

United Yacht Sales LLC. Filed by Cedric Bishop. Action: federal question. Attorney for plaintiff: Jeffrey Michael Gottlieb. Filed Feb. 8. Case no. 1:19-cv-01258-RA.

BANKRUPTCIES

Westchester Accredited Limousine Services LLC, 600 Mamaroneck Ave., Fourth floor, Harrison 10528. Chapter 11, voluntary. Attorney: Douglas J. Pick, New York. Filed Feb. 6. Case no.

19-22215-rdd.

COURT CASES New York Amazon Content Services LLC, et al. Filed by Gravier Productions Inc., et al. Action: diversity action.

Attorneys for plaintiffs: Julia Marie Beskin and Donald J. Reinhard.

Filed Feb. 7. Case no. 1:19-cv-01169DLC. Atlantic Recording Corporation, et al. Filed by Jodi Pliszka.

Action: diversity – personal injury. Attorney for plaintiff: Adam L. Brookman. Filed Feb. 6. Case no.

1:19-cv-01156-RA. Bar Giacosa Corp., et al. Filed by Nichias Turban. Action: FLSA– minimum wage or overtime compensation. Attorney for plaintiff: Daniel Maimon Kirschenbaum. Filed Feb. 6. Case no. 1:19-cv-01138-JMF. BCNYC LLC, et al. Filed by Fredkiey Hurley. Action: federal question. Attorney for plaintiff: Maria Costanza Barducci. Filed Feb. 6.

Case no. 1:19-cv-01130-VEC.

Items appearing in the Fairfield County Business Journal’s On The Record section are compiled from various sources, including public records made available to the media by federal, state and municipal agencies and the court system. While every effort is made to ensure the accuracy of this information, no liability is assumed for errors or omissions. In the case of legal action, the records cited are open to public scrutiny and should be inspected before any action is taken.

Questions and comments regarding this section should be directed to: Larry Miles c/o Westfair Communications Inc. 701 Westchester Ave, Suite 100 J White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3699

Celgene Corp., et al. Filed by Kristen Rogers. Action: Securities Exchange Act. Attorney for plaintiff: Juan Eneas Monteverde. Filed Feb. 11. Case no. 1:19-cv-01275-WHP. DXC Technology Co. Filed by Stephen J. Hilton. Action: diversity – breach of contract. Attorneys for plaintiff: Benjamin Rudolph Delson and Alexander Granovsky. Filed Feb. 6. Case no. 1:19-cv-01157-PKC. Foot Locker Stores Inc., et al.

Filed by Robert G. Lopez. Action: trademark infringement (Lanham Act). Attorney for plaintiff: pro-se.

Filed Feb. 11. Case no. 1:19-cv-01271PGG. Funktionx Inc., et al. Filed by Charlyn Zlotnik. Action: copyright infringement. Attorney for plaintiff: Scott Alan Burroughs. Filed Feb. 7.

Case no. 1:19-cv-01212-JGK. F&B Fuel Oil Company Inc. Filed

by Demos P. Demopoulos, et al. Action: E.R.I.S.A. – civil enforcement of employee benefits. Attorney for plaintiffs: Erin Veronica McGee. Filed Feb. 6. Case no. 1:19-cv-01133GHW. Harlem Vista LLC, et al. Filed by Namel Norris. Action: Americans With Disabilities Act – civil enforcement actions. Attorney for plaintiff: Ben-Zion Bradley Weitz. Filed Feb. 8. Case no. 1:19-cv-01243-JPo. JDS Development LLC, et al.

Filed by Fair Housing Justice Center Inc. Action: Fair Housing Amendments Act. Attorneys for plaintiff: Alice Goldman Reiter and Mariann Meier Wang. Filed Feb. 7. Case no.

1:19-cv-01171-AT. Kellogg Sales Co. Filed by Wanda Watson. Action: Diversity – fraud.

Attorney for plaintiff: Spencer Sheehan. Filed Feb. 12. Case no. 1:19-cv01356.

Meridian Financial Services Inc., et al. Filed by Danielle Groover. Action: Fair Debt Collection Act. Attorney for plaintiff: Amir J. Goldstein. Filed Feb. 8. Case no.

1:19-cv-01254-VEC.

Pacific Indemnity Co. Filed by Martha Ventilla. Action: diversity – breach of contract. Attorney for plaintiff: Javier Delgado. Filed Feb. 6.

Case no. 1:19-cv-01134-JMF. Park Stone Venture Ltd., et al.

Filed by Natalia Juscinska. Action: federal question ­– other. Attorney for plaintiff: Ismail Sinan Sekendiz.

Filed Feb. 8. Case no. 1:19-cv-01218JPO. Pfizer Inc. Filed by Alan Krull. Action: Removal – E.R.I.S.A. employee benefits. Attorney for plaintiff: prose. Filed Feb. 6. Case no. 1:19-cv01142-RA.

Wainbridge Special Situations LP. Filed by GTIS Resnick Co-Investment GP LLC. Action: Diversity action. Attorney for plaintiff: Matthew L. Craner. Filed Feb. 11. Case no. 1:19-cv-01304-JPO.

Putnam Crown Communication New York Inc., et al. Filed by ExteNet Systems Inc. Action: Federal Telecommunications Act of 1996. Attorney for plaintiff: Scott B. Fisher. Filed Feb. 11. Case no. 7:19-cv-01303-CS.

Westchester

Proprieties & Co. Filed by Fortress Investment Group LLC. Action: Diversity – breach of contract.

Attorney for plaintiff: Richard T. Marooney Jr. Filed Feb. 11. Case no.

1:19-cv-01317-AT.

CBK Lodge General Partner LLC, et al. Filed by Christine Lombardi. Action: personal injury. Attorney for plaintiff: Bradley Lawrence Waldman. Filed Feb. 7. Case no.

1:19-cv-01179-LGS.

Radar Online LLC. Filed by Polaris Images Corp. Action: copyright infringement. Attorney for plaintiff: Richard Liebowitz. Filed Feb. 6.

Case no. 1:19-cv-01125-LAK.

City of New Rochelle, et al.

Filed by Jason Disisto. Action: Civil Rights Act. Attorney for plaintiff: unknown. Filed Feb. 6. Case no.

7:19-cv-01140-CS.

Reason Brand Inc. Filed by Spray Moret LLC. Action: trademark infringement. Attorney for plaintiff: Ronald David Coleman. Filed Feb. 7.

Case no. 1:19-cv-01180-PGG.

General Electric Co., et al. Filed

by Sheet Metal Workers Local 17 Trust Funds. Action: Securities Exchange Act. Attorney for plaintiff: Steven B. Singer. Filed Feb. 8. Case no. 1:19-cv-01244-DLC.

Richemont North America Inc., et al. Filed by Solid 21 Inc. Action: trademark infringement (Lanham Act). Attorney for plaintiff: David Lawrence Hecht. Filed Feb. 8. Case no. 1:19-cv-01262-LGS.

Open Door Familu Medical Center Inc., et al. Filed by Kurt Hiebaum, et al. Action: Federal Tort Claims Act. Attorney for plaintiffs: Rachel R. Gruenberg. Filed Feb. 7.

Case no. 7:19-cv-01168.

Seaspan Corp. Filed by Simon J. Burchett Photography Inc. Action: copyright Infringement. Attorney for plaintiff: Richard M. Garbarini.

Filed Feb. 10. Case no. 1:19-cv-01269NRB.

R.J.T. Motorist Service Inc., et al. Filed by Anthony Taylor. Action: Fair Labor Standards Act. Attorney for plaintiff: Brian Lee Greben. Filed Feb. 6. Case no. 7:19-cv-01155-KMK.

Servedfresh LLC, et al. Filed

by Dana Ruth Lixenberg. Action: copyright infringement. Attorney for plaintiff: Scott Alan Burroughs.

Filed Feb. 7. Case no. 1:19-cv-01211AKH.

Sojourn Records Inc., et al. Filed

by Neshama Carlebach. Action: breach of contract. Attorney for plaintiff: Richard Michael Hunter.

Filed Feb. 7. Case no. 7:19-cv-01195CS.

Snack Innovations Inc. Filed by Aurora Morrison. Action: diversity action. Attorney for plaintiff: C.K. Lee. Filed Feb. 8. Case no. 1:19-cv01238-WHP.

The City of Yonkers, et al. Filed

by Charles Burks. Action: prisoner civil rights. Attorney for plaintiff: pro-se. Filed Feb. 6. Case no. 1:19-cv00152-UA.

Town of Rye, et al. Filed by Anthony Franze. Action: Civil Rights Act. Attorney for plaintiff: unknown.

Filed Feb. 6. Case no. 7:19-cv-01143NSR.

1348 Howard St LLC, Brooklyn.

Seller: Clapton Equities LLC, Peekskill. Property: 1348 Howard St., Peekskill. Amount: $210,000. Filed Feb. 7.

Westchester County, et al. Filed

by Joseph L. Smith. Action: prisoner civil rights. Attorney for plaintiff: pro-se. Filed Feb. 8. Case no. 1:19-cv01283-CM.

140 Winfred LLC, Mount Vernon.

Seller: Pietro Ciotola, et al, Patterson. Property: 140 Winfred Ave., Yonkers. Amount: $615,000. Filed Feb. 4.

Yorktown Central School District. Filed by A.M., et al. Action: federal question – other civil rights.

Attorney for plaintiffs: Peter David Hoffman. Filed Feb. 7. Case no.

7:19-cv-01200-CS.

147 Linden Associates LLC, Brooklyn. Seller: Kallid Nassar, Yonkers. Property: 147 Linden St., Yonkers. Amount: $640,000. Filed Feb. 6.

2 Calam Avenue LLC, Armonk.

Seller: Toni Ann Badia, et al, White Plains. Property: 2 Calam Ave., Ossining. Amount: $435,000. Filed Feb. 5.

DEEDS Above $1 million 21 Westfield LLC, New York City.

Seller: John L. Arons, Rye. Property: 21 Westfield Road, Bedford.

Amount: $2.4 million. Filed Feb. 5.

265 Route 202 LLC, Hastings-on-Hudson. Seller: Robert Kurutz, et al, Lincolndale. Property: 265 Route 202, Somers. Amount: $1.1 million. Filed Feb. 8.

9 Paulding LLC, Elmsford. Seller: Richard L. Suarez, et al, White Plains. Property: 9 Paulding St., Greenburgh. Amount: $1 million.

Filed Feb. 5.

Lanabi LLC, Spring, Texas. Seller: Hyman Ryback, et al, Scarsdale.

Property: 8 Westview Lane, Scarsdale. Amount: $1.9 million. Filed Feb. 4.

Mar-Vin Family 1031 LLC, et al, Hartsdale. Seller: Maria DeSouza, et al, White Plains. Property: 42 Waldo Ave., White Plains. Amount: $1.7 million. Filed Feb. 4.

MGM Yonkers Inc., Las Vegas, Nevada. Seller: YRL Associates LP, Yonkers. Property: 810 Yonkers Ave., Yonkers. Amount: $11.9 million. Filed Feb. 4.

PGS Equities Inc., Yonkers. Seller: Joseph A. Valvano, et al, Dobbs Ferry. Property: 6 Cedar St., Greenburgh. Amount: $1.4 million. Filed Feb. 4.

Sunshine White Plains LLC, Ardsley. Seller: David Hsu, et al, White Plains. Property: 736 N. Broadway, North Castle. Amount: $1.4 million.

Filed Feb. 8.

Below $1 million 132 Beech LLC, Brooklyn. Seller: 132 Beech Realty Partners LLC, Yonkers. Property: 132 Beech St., Yonkers. Amount: $465,000. Filed Feb. 8.

WCBJ

205-207 SMRR Realty LLC, Elmsford. Seller: Moses F. Salazar, et al, Elmsford. Property: 205-207 Saw Mill River Road, Greenburgh.

Amount: $612,500. Filed Feb. 5.

353 S 5th Ave LLC, Flushing. Seller: HSBC Bank USA N.A. Property: 353 Fifth Avenue South, Mount Vernon.

Amount: $227,910. Filed Feb. 8.

5 Briga Lane LLC, White Plains.

Seller: Mary Arcadipane, White Plains. Property: 5 Briga Lane, White Plains. Amount: $984,500.

Filed Feb. 7.

531 Fifth LLC, Tuckahoe. Seller: 2 Ducks Forever Inc., Pelham. Property: 531 Fifth Ave., Pelham. Amount: $775,000. Filed Feb. 5.

Avail 2 LLC, Coral Gables, Florida.

Seller: Guy T. Parisi, Rye. Property: 1012 Park St., Peekskill. Amount: $219,900. Filed Feb. 8.

Bank of America N.A. Seller: Joan Iacono, Bronxville. Property: 49 Sweetfield Circle, Yonkers. Amount: $586,764. Filed Feb. 4.

BlairMarks LLC, Washington, D.C. Seller: David H. Smith, Mount Vernon. Property: 111 Bateman Place, Mount Vernon. Amount: $350,000.

Filed Feb. 8.

Certified Homes Inc., Chestnut Ridge. Seller: Dennis E. Krolian, White Plains. Property: 112 Union Ave., Mount Vernon. Amount: $265,000. Filed Feb. 8.

Citimortgage Inc. Seller: Joseph Maria, White Plains. Property: 63 High St., Yonkers. Amount: $545,721.

Filed Feb. 4.

Clapton Equities LLC, Peekskill.

Seller: Wilmington Trust N.A. Property: 1348 Howard St., Peekskill.

Amount: $180,000. Filed Feb. 7.

OCTOBER 23, 2017

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AND THE 2019 HONOREES ARE...

ANGELS ON CALL HOMECARE BREWMATION INCORPORATED CITY LINE FLORIST CONNECTICUT DERMATOLOGY GROUP HENRY B WHITAKER INC. HODSON REALTY JANUS ASSOCIATES JOHN M. GLOVER INSURANCE AGENCY LAW OFFICES OF KEVIN H. COHEN MAPLE CRAFT FOODS MONTANO WOOD CARE CORPORATION NEW ENGLAND TOTAL ENERGY STATEWIDE ABSTRACT CORP. STEPS HOME CARE STEW LEONARD'S VIKING CONSTRUCTION WILLIAM RAVEIS REAL ESTATE, MORTGAGE & INSURANCE ZYLOWARE EYEWEAR

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Facts & Figures DCC Enterprises LLC, Pearl River. Seller: 13 South Sixth Ave LLC, Bronx. Property: 13 Sixth Avenue South, Mount Vernon. Amount: $350,000. Filed Feb. 5.

Federal Home Loan Mortgage Corp. Seller: Michael Coll, et al, Mount Vernon. Property: 63 Columbia Place, Mount Vernon. Amount: $453,486. Filed Feb. 8.

Greenscape Development Corp., Yorktown Heights. Seller: Deutsche Bank National Trust Co. Property: 4 Fowler Ave., Cortlandt.

Amount: $215,000. Filed Feb. 7.

Harbor View Townhouses LLC, Mamaroneck. Seller: 1700 Ct Park LLC, Mamaroneck. Property: 620 W. Boston Post Road, Mamaroneck.

Amount: $788,000. Filed Feb. 8.

High Q Homes LLC, Ossining. Seller: Nicole Stern, Mahopac. Property: 3498 Lakeside Drive, Yorktown.

Amount: $210,000. Filed Feb. 7.

Jemab Family LP, Putnam Valley.

Seller: U.S. Bank N.A. Property: 223 Decatur Ave., Peekskill. Amount: $270,000. Filed Feb. 8.

M/M Bernard Management LLC, Croton-on-Hudson. Seller: John Bernard, Croton-on-Hudson.

Property: 28 River Lane, Cortlandt.

Amount: $475,000. Filed Feb. 5.

Nikola Plumaj LLC, Yonkers. Seller: Unione Sportiva Corleone Inc., Yonkers. Property: 1020 Mclean Ave., Yonkers. Amount: $250,000.

Filed Feb. 6.

Ramapo Equity Partners LLC, Monsey. Seller: Deutsche Bank National Trust Co. Property: 20 Beech Lane, Greenburgh. Amount: $752,000. Filed Feb. 4.

Strategic Realty Fund LLC, San Jose, California. Seller: Deutsche Bank National Trust Co. Property: 9 Babbitt Court, Greenburgh.

Amount: $222,432. Filed Feb. 7.

Teller Ave Real Property LLC, New York City. Seller: 6 Landscape LLC, Eastchester. Property: 6 Landscape Ave., Yonkers. Amount: $500,000. Filed Feb. 5.

The Bank of New York Mellon.

Seller: Arlene Gold Wexler, Mamaroneck. Property: 74 Delaware Road, Yonkers. Amount: $769,256.

Filed Feb. 8.

The Bank of New York Mellon.

Seller: Michael Sirignano, Cross River. Property: 48 Central Drive, Eastchester. Amount: $570,000.

Filed Feb. 8.

The Spoto Family LP, Rye. Seller: Joseph Farrenkopf, et al, West Harrison. Property: 15-17 Park Ave., Harrison. Amount: $885,000. Filed Feb. 4.

22

FEBRUARY 18, 2019

U.S. Bank N.A. Seller: Joan C. Salwen, Scarsdale. Property: 151 Hawthorne Ave., Yonkers. Amount: $939,934. Filed Feb. 4.

U.S. Bank Trust N.A. Seller: Anthony Tirone, White Plains. Property: 1144 North Ave., New Rochelle.

Amount: $495,000. Filed Feb. 8.

V.S. Construction Corp., Ossining. Seller: Pacwater Corp., Briarcliff Manor. Property: 53 Fee Court, Ossining. Amount: $450,000. Filed Feb. 5.

Wells Fargo Bank N.A. Seller: Charles Lesnick, Yonkers. Property: 10 Linden St., Rye. Amount: $593,958. Filed Feb. 4.

FORECLOSURES CROTON-ON-HUDSON, 173 Mount Airy Road West. Single-family residence; lot size: 2.09 acres.

Plaintiff: CIT Bank NA. Plaintiff’s attorney: RAS Boriskin, 900 Merchants Concourse, Westbury.

Defendant: Hildegarde Borget.

Referee: Bruce Trent. Sale: Feb. 20, 8:45:a.m. Approximate lien: N/A. DOBBS FERRY, 79 Ogden Ave. Single-family-residence; lot size: .14 acres. Plaintiff: US Bank Trust National Association. Plaintiff’s attorney: Friedman Vartolo LLP, Broad Street, New York City. Defendant: Mary Arthur. Referee: John Gultridge. Sale.

Feb. 20, 9 a.m. Approximate lien: $515,589.

MOUNT VERNON, 334 Collins Ave. Two-family residence; lot size: .11 acres. Plaintiff: US Bank National Association. Plaintiff’s attorney: Gross Polowy LLC, 1775 Wehrle Drive, Williamsville Defendant: Carmen Palmer. Referee: Richard Ethan Grayson. Sale: Feb.20, 10:30 a.m. Approximate lien: $584,883.

MOUNT VERNON, 44 N. 10th Ave. Single-family residence; lot size: .08 acres. Plaintiff: Selene Finance LP. Plaintiff’s attorney: McCabe, Weisberg & Conway PC, 145 Huguenot St., New Rochelle.

Defendant: Sylvia Henriques. Referee: Gerald Geist. Sale: Feb.27. 9:30 a.m. Approximate lien: $569,280.

NEW ROCHELLE, 33 Allard Ave. Two-family residence; lot size: .14 acres. Plaintiff: US Bank National Association. Plaintiff’s attorney: The Margolin & Weinreb Law Group, 165 Eileen Way, Syosset. Defendant: Ana Ramirez. Referee: John Perone. Sale: Feb. 21, 10 a.m. Approximate lien: $610, 554.

NEW ROCHELLE, 12 Risley Place.

Single-family residence; lot size: .16 acres. Plaintiff: Bank of America NA. Plaintiff’s attorney: Aldridge Pite LLP, 40 Marcus Drive, Melville. Defendant: Joan Greene. Referee: Barry Salman. Sale: Feb. 27, 10:15 a.m.

Approximate lien: $526, 134.

WCBJ

PELHAM, 59 Chestnut Ave. Single-family residence; lot size: 50x104. Plaintiff: HSBC Bank USA National Association. Plaintiff’s attorney: Davidson, Fink, Cook, Kelly & Gailbraith, 28 E. Main St., Rochester. Defendant: Joseph Soto. Referee: Charles A’Agostino. Sale. Feb. 27,10 a.m. Approximate lien: $624, 191.

United Propane Services Inc., Commack. $62,327 in favor of Paraco, Rye Brook. Filed Feb. 7.

PELHAM, 450 Siwanoy Place.

Single-family residence; lot size: 100x100. Plaintiff: PNC Bank NA. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 175 Mile Crossing Blvd., Rochester. Defendant: Michael Ginn. Referee: Francis Malara. Sale: Feb. 19. 9 a.m. Approximate Lien: $939,603.75

LIS PENDENS

Yonkers, 481 Park Ave. Single-family; lot size: .1 Acres. Plaintiff: Federal National Mortgage Association.

Plaintiff’s attorney: RAS Noriskin, 900 Merchants Concourse, Westbury. Defendant: Julissa Ponter. Referee: Richard Grayson. Sale: Feb. 20, 10 a.m. Approximate lien: N/A. YORKTOWN HEIGHTS, 3154 Douglas Drive; lot size: 112x140.

Plaintiff: US Bank National Association. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 175 Mile Crossing Blvd., Rochester. Defendant: Eileen Hanler. Referee: John Brickman.

Sale: Feb.20, 11 a.m. Approximate lien: $655,410.

JUDGMENTS Gordos Restaurant Corp., Hawthorne. $12,940 in favor of Sysco Connecticut LLC, Rocky Hill, Connecticut. Filed Feb. 8.

Hudson Valley Hematology-Oncology Associates RLLP, Poughkeepsie. $28,810 in favor of A and P Coat Apron and Linen Supply LLC, Mount Vernon. Filed Feb. 4.

Iridium Development Inc., New York City. $48,865 in favor of Arctic Mechanical Inc., Port Chester. Filed Feb. 4.

J and K Staffing Ltd., New Rochelle. $14,921 in favor of GHP 140 H LLC, West Harrison. Filed Feb. 7.

Mount Vernon. $211,606 in favor of Highway Rehabilitation Corp., Brewster. Filed Feb. 7.

Planet Organic Holding Corp., Irvington. $48,416 in favor of Island Natural Inc., Long Island. Filed Feb. 4.

Reilly Plumbing and Heating Inc., LaGrangeville. $38,523 in favor of Rim Plumbing and Heating Supply Inc., Newburgh. Filed Feb. 7.

Reserve Chute Inc., Chappaqua. $118,277 in favor of Andrew Adams Inc., Scarsdale. Filed Feb. 8.

Velocity Autobody Inc., White Plains. $26,020 in favor of 482 Tarrytown Rd LLC, Nyack. Filed Feb. 7.

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

Antenucci, Anthony, et al. Filed

by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $180,000 affecting property located at 1356 Nepperhan Ave., Yonkers 10703.

Filed Aug. 17.

Buyanskyy, Olexiy, et al. Filed by Webster Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 10 Talcott Road, Rye Brook 10573. Filed Aug. 20.

Charles, Kleckner J., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $356,250 affecting property located at 10 Colony St., Ardsley 10502. Filed Aug. 21.

Cooper, Melody, et al. Filed by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $310,000 affecting property located at 123 High St., Hastings-on-Hudson 10706. Filed Aug. 17.

Dasilva, Rosely B., et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $304,500 affecting property located at 7 Sixth St., New Rochelle 10801. Filed Aug. 17.

Dasilva, Rosely, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $650,000 affecting property located at 141 Neptune Ave., New Rochelle 10805. Filed Aug. 21.

Dee, Louise A., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $348,493 affecting property located at 150 Mountaindale Road, Yonkers 10710. Filed Aug. 22.

Facey-Johnson, Judith M., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 28 Scofield Court, Peekskill 10566. Filed Aug. 20.

Golden, Rita M., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $417,000 affecting property located at 25 Ridgedale Road, Scarsdale 10583.

Filed Aug. 21.

Goz, Debbie, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $1 million affecting property located at 20 Jennifer Lane, Port Chester 10573. Filed Aug. 17.

The estate of Helen E. Gibney, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $500,000 affecting property located at 525 Polly Park Road, Rye 10580. Filed Aug. 22.

Infante, Yolanda, et al. Filed

by Sterling National Bank. Action: seeks to foreclose on a mortgage to secure $238,000 affecting property located at 525 N. Terrace Ave., Mount Vernon 10552. Filed Aug. 22.

Valderrama, Piedad, et al. Filed

by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $520,000 affecting property located at 39 Whitman Road, Yonkers 10710. Filed Aug. 20.

Kim, Misoo, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $500,000 affecting property located at 25 Rock Cliff Place, White Plains 10603. Filed Aug. 22.

Weiser, Jeanne M., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $330,000 affecting property located at 406 Hawley Road, North Salem 10560. Filed Aug. 21.

L and N 316 Fort Avenue LLC, et al. Filed by Andreadis Capital LLC. Action: seeks to foreclose on a mortgage to secure $139,500 affecting property located at 349 S. Fourth Ave., Mount Vernon. Filed Aug. 17.

Mechanic’s Liens

Luzzi, David A., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 21-23 Eldridge St., Port Chester 10573. Filed Aug. 20.

Mierzejewski, Alfred, et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $748,000 affecting property located at 15 Highview Road, Pound Ridge 10576. Filed Aug. 22.

Norman, Jessye, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $1.9 million affecting property located at 230 and 244 W. Mount Airy Road, Croton-on-Hudson 10520.

Filed Aug. 22.

Pizzuti, Michele, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $840,000 affecting property located at 46 Glen Road, Eastchester 10709. Filed Aug. 17.

Salaverria, Roberto E. Jr., et al.

Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $256,174 affecting property located at 20 W. Prospect Ave., White Plains 10607. Filed Aug. 22.

Szabo, Peter K., et al. Filed by Finance of America Reverse LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 6 Benedict Ave., Eastchester 10709. Filed Aug. 22.

Taylor, Lee A., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $192,000 affecting property located at 25 Arden Terrace, Mount Vernon 10552. Filed Aug. 21.

Douglas, Elizabeth, as owner. $7,364 as claimed by Matthew Constantino. Property: in Greenburgh.

Filed Feb. 8.

Sachdeva, Anu, et al, as owner. $27,557 as claimed by Passafaro Contracting LLC, Mamaroneck.

Property: in Mamaroneck. Filed Feb. 6.

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

Partnerships Out After Curfew, 151 Broadway, Hawthorne 10532, c/o Greg Brisson, Christina Joerss and Jeffrey Jaikumar. Filed May 30.

Sketch Verse Animation, 136 Rolling Way, Peekskill 10566, c/o Alexander Zimmer and Julian Rowe.

Filed May 25.

Unique Auto Sales, 117 Anderson Ave., Mount Vernon 10550, c/o Gayan Stewart and Paul Thompson.

Filed May 30.

Sole Proprietorships Belle’s Bodywork and Blends, 36 S. First Ave., Mount Vernon 10550, c/o Francine G. Bell. Filed May 25.

Buildin Records, 1085 Warburton Ave., Apt. 810, Yonkers 10701, c/o Winston Anderson Wint Jr. Filed May 25.

Caregiving Matters, 97 S. State Road, Briarcliff Manor 10510, c/o Mary-Ellen L. Quintana. Filed May 30.

Facts & Figures Da9 Ent, 203 Egmont Ave., Mount Vernon 10553, c/o Keai Bagley. Filed May 25.

Erie-Fourth-Second Funding Associates, 133 Parkway Road, Bronxville 10708, c/o Jeffrey Birnbaum. Filed May 25.

Express Laundry, 53 Laurence St., Yonkers 10705, c/o Mohammad Sabbir. Filed May 29.

Jose Rojas Enterprises, 102 Livingston Ave., Apt. 15, Yonkers 10705, c/o Jose Rojas. Filed May 25.

Leandro Brick Pavers, 38 Glen Ave., Mount Vernon 10550, c/o Leandro Azarias. Filed May 30.

Madisongenevieve, 11 Barnard Road, Armonk 10504, c/o Madison G. Banaszek. Filed May 30.

Maria Sumba’s Cleaning Service, 11 Hamilton Ave., Apt. 1, Ossining 10562, c/o Maria C. Sumba Tenesaca. Filed May 25.

Profile Floor Care Plus, 16 Merritt Ave., White Plains 10606, c/o Dean Ashley Lawrence. Filed May 30.

Quality Air Solutions, 98B S. Central Ave., Elmsford 10523, c/o Matthew C. Quinn. Filed May 29.

Rosabel’s Hair Salon, 388 Tarrytown Road, White Plains 10607, c/o Rosabel Soriano Pimentel. Filed May 30.

Selwyn Raheem Paul, 103 Union Ave., Mount Vernon 10550, c/o Selwyn Raheem Paul. Filed May 30.

Spirit Speaks, 48 Rathbun Ave., White Plains 10606, c/o Ana Reluzco. Filed May 30.

The Helping Hand, P.O. Box 281, Pound Ridge 10576, c/o Susan M. Davidson. Filed May 29.

VV Doors Group, 1 Park Ave., H1, Yonkers 10703, c/o Vladimir Ventura. Filed May 25.

PATENTS Access control for database.

Patent no. 10,205,730 issued to Hao Feng, Beijing, China; Shuo Li, Beijing, China; Shengyan Sun, Beijing, China; Xin Ying Yang, Beijing, China. Assigned to International Business Machines Corp., Armonk.

Addressing login platform security risks. Patent no. 10,205,737 issued to Yi-Chun Chen, Taipei, Taiwan; Zen-Jerr Hong, Taipei, Taiwan; Lin Chung Liang, New Taipei, Taiwan; Min-Tsung Wu, Taipei, Taiwan. Assigned to International Business Machines Corp., Armonk.

Corrosion resistant aluminum bond pad structure. Patent no. 10,204,877 issued to Charles L. Arvin, Poughkeepsie; Jeffrey P. Gambino, Portland, Oregon; Charles F. Musante, Burlington, Vermont; Christopher D. Muzzy, Burlington, Vermont; Wolfgang Sauter, Burlington, Vermont. Assigned to International Business Machines Corp., Armonk.

Data-transfer policies between source and target serves in a wide area network. Patent no.

10,205,801 issued to Jesse W. Bright, Tucson, Arizona; Robert G. LaBrie, Tucson, Arizona; Wayne W. Sun, Tucson, Arizona. Assigned to International Business Machines Corp., Armonk.

Dielectric treatments for carbon nanotube devices. Patent no. 10,205,097 issued to Damon B. Farmer, White Plains; Martin M. Frank, Dobbs Ferry; Shu-Jen Han, Cortlandt Manor. Assigned to International Business Machines Corp., Armonk.

Dynamic inclusion thresholds for social network conversations. Patent no. 10,205,694 issued to Paul R. Bastide, Boxford, Massachusetts; Matthew E. Broomhall, Goffstown, New Hampshire; Robert E. Loredo, North Miami Beach, Florida; Dale M. Schultz, Limerick, Maine. Assigned to International Business Machines Corp., Armonk.

Dynamic virtual private network. Patent no. 10,205,756 issued to Charles K. Young, Atlanta, Georgia; Terrence E. White, Cottage Grove, Minnesota; Melanie R. Diggs, Atlanta, Georgia; Gerald D. Colar, Mableton, Georgia. Assigned to International Business Machines Corp., Armonk.

Enhancing digital media with supplemental contextually relevant content. Patent no.

10,205,794 issued to Ermyas Abebe, Carlton, Australia; Peter Ilfrich, Kensington, Australia; Cristian Vecchiola, Carlton, Australia. Assigned to International Business Machines Corp., Armonk.

Facility for initiating automatic exchange of file(s) between mobile devices. Patent no. 10,205,768 issued to Hernan A. Cunico, Holly Springs, North Carolina; Martin G. Keen, Cary, North Carolina; Chris Rayns, Poughkeepsie. Assigned to International Business Machines Corp., Armonk.

Identifying a task execution resource of a dispersed storage network. Patent no. 10,205,783 issued to Gary W. Grube, Barrington Hills, Illinois; Jason K. Resch, Chicago, Illinois. Assigned to International Business Machines Corp., Armonk.

Interconnect structures with fully aligned vias. Patent no.

10,204,856 issued to Daniel C. Edelstein, White Plains; Nicholas C. Fuller, North Hills; Elbert E. Huang, Mountain View, California; Satyanarayana V. Nitta, Cross River; David L. Rath, Stormville. Assigned to International Business Machines Corp., Armonk.

Interface for limiting substrate damage due to discrete failure. Patent no. 10,206,278 issued to Bruce J. Chamberlain, Vestal; Scott B. King, Rochester, Minnesota; Joseph Kuczynski, North Port, Florida; David J. Russell, Owego. Assigned to International Business Machines Corp., Armonk.

Message broadcasting in a clustered computing environment.

Patent no. 10,205,601 issued to Albert DeLucca, Wantagh; Lisa Seacat DeLuca, Baltimore, Maryland; Brian D. Goodman, Brooklyn; Angel E. Tomala-Reyes, Flushing. Assigned to International Business Machines Corp., Armonk.

Metal-insulator metal capacitator analog memory unit cell. Patent no. 10,204,907 issued to Effendi Leobandung, Stormville; Yulong Li, Westchester; Paul Solomon, Westchester; Chun-Chen Yeh, Danbury, Connecticut. Assigned to International Business Machines Corp., Armonk.

Online chat questions segmentation and visualization. Patent no. 10,205,688 issued to Ilse M. Breedvelt-Schouten, Manotick, Canada; Jana H. Jenkins, Raleigh, North Carolina; Jeffrey A. Kusnitz, Campbell, California; John A. Lyons, Ottawa, Canada. Assigned to International Business Machines Corp., Armonk.

Parallel testing of a controller area network bus cable. Patent no. 10,205,486 issued to Emmanual Barajas Gonzalez, Guadalajara, Mexico; Shaun E. Harrington, Sahuarita, Arizona; Benjamin K. Rawlins, Tucson, Arizona. Assigned to International Business Machines Corp., Armonk.

Protection for computing systems from revoked system updates. Patent no.

10,205,748 issued to Michael D. Hocker, Staatsburg; Brandon S. Johnson, Lexington, Kentucky.

Assigned to International Business Machines Corp., Armonk.

Scheduling downloads based on metadata in a client-server topology. Patent no. 10,205,766 issued to Joshua H. Armitage, Ellenbrook, Australia; Michael P. Clarke, Ellenbrook, Australia; John A. W. Kaputin, Rockingham, Australia; KingYan Kwan, Perth, Australia; Andrew Wright, Eastleigh, Great Britain. Assigned to International Business Machines Corp., Armonk.

Session completion through co-browsing. Patent no. 10,206,104 issued to Andrew J. Ivory, Wake Forest, North Carolina; Todd E. Kaplinger, Raleigh, North Carolina; Barry J. Pellas, Durham, North Carolina; Matthew T. Pellas, Raleigh, North Carolina. Assigned to International Business Machines Corp., Armonk.

Technological facilitation of virtual in-venue experience for remote spectator(s) of an event.

Patent no. 10,206,001 issued to Eric V. Kline, Rochester, Minnesota; Sarbajit K. Rakshit, Kolkata, India. Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY BUILDING LOANS

26 Fishel LLC, Brooklyn. Seller: MTGLQ Investors LP. Property: 10 Grove St., Harriman 10926. Amount: $136,000. Filed Feb. 5.

DEEDS Above $1 million Coronet Lake I LLC, et al, Harriman. Seller: Bakerstown Realty Equities LLC, Middletown. Property: in Kiryas Joel. Amount: $12.1 million.

Filed Feb. 6.

DKH Realty LLC, Goshen. Seller: Charles Brownell, et al, Beacon.

Property: 420, 426 and 428 Fishkill Ave., Beacon 12508. Amount: $1.5 million. Filed Jan. 31.

Rose 113 LLC, Brooklyn. Seller: Morton Paneth, Woodbury. Property: 113 Roselawn Road, Woodbury 10930. Amount: $1.1 million. Filed Feb. 8.

Below $1 million 103 Overlook Owners LLC, New York City. Seller: Inforce Inc., Suffern. Property: 103 Overlook Place, Newburgh 12550. Amount: $180,000. Filed Feb. 4.

12 Marshall Street Poughkeepsie LLC, Rhinebeck. Seller: Jeannie Harwood, Wilmington, North Carolina. Property: in Poughkeepsie.

Amount: $116,000. Filed Feb. 1.

2642 Liberty Ridge Corp., Walden. Seller: U.S. Bank Trust N.A. Property: 2642 Liberty Ridge, New Windsor 12553. Amount: $184,000.

Filed Feb. 7.

3107 State Route 28 LLC, New York City. Seller: Gladys Agnes Gilbert, Shokan. Property: in Olive.

Amount: $170,000. Filed Feb. 1.

45 Concord Realty Partners LLC, Yonkers. Seller: City of Newburgh. Property: 45 Concord St., Newburgh. Amount: $15,000. Filed Feb. 6.

54 Orchard Trail LLC, Monsey.

Seller: Maria Lofrano, Monroe.

Property: in Blooming Grove.

Amount: $16,600. Filed Feb. 8.

Abraham Joseph and Sarah LLC, Spring Valley. Seller: Ben Yisochor Realty LLC, Monroe. Property: in Kiryas Joel. Amount: $75,000.

Filed Feb. 5.

Abraham Joseph and Sarah LLC, Spring Valley. Seller: Elye Ben Ester LLC, Monroe. Property: in Kiryas Joel. Amount: $300,000.

Filed Feb. 5.

Abraham Joseph and Sarah LLC, Spring Valley. Seller: Isaac and Sarah Realty LLC, Monsey.

Property: in Kiryas Joel. Amount: $300,000. Filed Feb. 5.

Below $1 million

14 Hulse Ln LLC, Brooklyn. Seller: Sean Ford, Chester. Property: in Chester. Amount: $365,000. Filed Feb. 4.

3107 State Route 28 LLC, New York City, as owner. Lender: The Bank of Greene County, Catskill.

Property: 3107 Route 28, Olive.

Amount: $209,600. Filed Feb. 1.

14 Lower James St LLC, Mountaindale. Seller: Peggyrae Osterhoudt, et al, Rosendale. Property: in Rosendale. Amount: $57,379. Filed Feb. 6.

Gurm, Harinder Kaur, et al, Middletown, as owner. Lender: Mid-Hudson Valley Federal Credit Union, Kingston. Property: South Plank Road, Slate Hill 10973.

Amount: $265,000. Filed Feb. 7.

144 Center LLC, Suffern. Seller: Michael Moreno, Montgomery.

Property: in Crawford. Amount: $210,000. Filed Feb. 4.

Accord With Nature LLC, Plainview. Seller: Noel P. Russ, et al, New Paltz. Property: 5 Pinecrest Road, New Paltz 12561. Amount: $300,000. Filed Feb. 6.

170 Chambers Owners LLC, New York City. Seller: Igor Dementev, et al, Suffern. Property: 170 Chambers St., Newburgh 12550. Amount: $170,000. Filed Feb. 4.

Adler Building 10 RR LLC, Warwick. Seller: Warwick Valley 10 Railroad LLC, Warwick. Property: in Warwick. Amount: $385,000. Filed Feb. 5.

194 Lander LLC, Beacon. Seller: Jermaine G. Williams, et al, Middletown. Property: in Newburgh.

Amount: $180,000. Filed Feb. 5.

Ajax 2018-B REO LLC, Beaverton, Oregon. Seller: Harold Pressberg, Goshen. Property: 11 High Meadow Drive, Warwick 10990. Amount: $199,900. Filed Feb. 7.

Meyerhoff, Mark A., Hurley, as owner. Lender: Rondout Savings Bank, Kingston. Property: 63 W. Union St., Kingston 12401. Amount: $280,000. Filed Feb. 7.

Minnetto, Lisa, New York City, as owner. Lender: Sawyer Savings Bank, Saugerties. Property: 141 Dusinberre Road, Gardiner 12525.

Amount: $275,000. Filed Feb. 4.

200 Main LLC, Fishkill. Seller: Errol W. James, et al, Poughkeepsie.

Property: 200 Main St., Poughkeepsie 12601. Amount: $102,500. Filed Feb. 1.

21 and 23 Ave B LLC, New York City. Seller: Heath J. Tortarella, et al, Rhinebeck. Property: 37 Pitcher Road, Rhinebeck. Amount: $525,000. Filed Feb. 6.

WCBJ

Abraham Joseph and Sarah LLC, Spring Valley. Seller: Vineyard Estates LLC, Monroe. Property: in Kiryas Joel. Amount: $75,000. Filed Feb. 5.

Al Twal LLC, Poughkeepsie. Seller: Gerard J. Pisanelli, Poughkeepsie.

Property: 74 Emma Way, Poughquag 12570. Amount: $460,000.

Filed Feb. 1.

AM Realty Capital LLC, Monroe.

Seller: Lake House Developments Corp., Bronx. Property: 28 Dorothy Drive, Monroe 10950. Amount: $295,000. Filed Feb. 8.

FEBRUARY 18, 2019

23

Facts & Figures AM Realty Capital LLC, Monroe.

Seller: Lake House Developments Corp., Bronx. Property: 20 Half Hollow Turn, Monroe 10950. Amount: $420,000. Filed Feb. 8.

AM Realty Capital LLC, Monroe.

Seller: Lake House Developments Corp., Bronx. Property: 15 Stainton Fareway, Monroe 10950. Amount: $495,000. Filed Feb. 8.

AM Realty Capital LLC, Monroe.

Seller: Lake House Developments Corp., Bronx. Property: 15 Half Hollow Turn, Monroe 10950. Amount: $359,000. Filed Feb. 8.

Craig’s Closet LLC, Kingston. Seller: Kithkin Corp., High Falls. Property: 186 Mohonk Road, High Falls.

Amount: $465,000. Filed Feb. 7.

J Squared Builders Inc., Monroe.

Seller: Eileen C. Augustine, Babylon.

Property: in Harriman. Amount: $52,000. Filed Feb. 6.

E.F. Baecher LLC, Fishkill. Seller: NRZ REO VI Corp., Greenville, South Carolina. Property: 52 Sunrise Hill Road, Fishkill 12524.

Amount: $120,000. Filed Feb. 1.

JPMorgan Chase Bank N.A. Seller: William Chellis, Jeffersonville.

Property: 402 Ivy Hill Road, Walden 12586. Amount: $203,659. Filed Feb. 8.

E*Trade Bank. Seller: Joseph Porter Jr., et al, Property: 50 Old Field Road, Poughkeepsie 12603.

Amount: $453,500. Filed Jan. 31.

KDL LLC, Poughkeepsie. Seller: MTGLQ Investors LP. Property: 20 Honeymoon Lane, Poughkeepsie 12603. Amount: $165,000. Filed Feb. 6.

Ekral LLC, Poughkeepsie. Seller: Rebe Properties LLC, Poughkeepsie. Property: 90 S. Hamilton St., Poughkeepsie 12601. Amount: $175,000. Filed Feb. 7.

KSH Realty LLC, Monroe. Seller: Balance Equity LLC, New York City. Property: 6 Kit Court, Monroe.

Amount: $100,000. Filed Feb. 6.

Andi 3 LLC, Warwick. Seller: 31 Forester LLC, Warwick. Property: 31 Forester Ave., Warwick 10990.

Amount: $340,000. Filed Feb. 6.

EMP Holdings LLC, Cornwall-on-Hudson. Seller: Mans Brothers Realty Inc., Vails Gate. Property: 2280 Route 9W, Cornwall. Amount: $60,000. Filed Feb. 7.

M&T Bank, Buffalo. Seller: Jaime A. Giannetta, Wappingers Falls. Property: 539 Creek Road, Poughkeepsie 12601. Amount: $135,500. Filed Feb. 7.

B.B.V.T. Inc., et al, Monroe.

Seller: 11 Peddler Hill Road LLC, Monroe. Property: 11 Peddler Hill Road, Blooming Grove. Amount: $135,000. Filed Feb. 4.

Federal Home Loan Mortgage Corp. Seller: Laurence A. Clemente, Goshen. Property: 4 Hanover Mews, Middletown 10940. Amount: $122,200. Filed Feb. 7.

Matrix Maple Development LLC, New York City. Seller: Fred E. Pimm, et al, Conewango Valley.

Property: in Montgomery. Amount: $399,000. Filed Feb. 4.

Bais Mordchay LLC, Monroe.

Seller: Elye Ben Ester LLC, Monroe.

Property: in Kiryas Joel. Amount: $300,000. Filed Feb. 5.

Federal National Mortgage Association. Seller: Anthony R. LoBiondo, Newburgh. Property: 3563 Highway 94, Chester 10918.

Amount: $373,548. Filed Feb. 8.

N and L Monhagen LLC, Middletown. Seller: Maria Scumaci, et al, Middletown. Property: in Wallkill.

Amount: $480,000. Filed Feb. 8.

AMG DAT Realty LLC, Mount Vernon. Seller: Michael Dattilo, Spring Valley. Property: in Wawayanda.

Amount: $702,400. Filed Feb. 5.

Bank of America N.A. Seller: Kristine Ciganek, New City. Property: 748 Greenville Turnpike, Middletown 10940. Amount: $275,000.

Filed Feb. 7.

Benkard Properties LLC, Highland Mills. Seller: Lester Ortega, Newburgh. Property: 73 Benkard Ave., Newburgh 12550. Amount: $145,000. Filed Feb. 4.

Black Dog Associates LLC, New York City. Seller: Ivan Krajcovic, Saugerties. Property: in Palenville.

Amount: $25,000. Filed Feb. 7.

BPTM Realty LLC, New Windsor.

Seller: Vails Gate Inc., New Windsor. Property: 362 Windsor Highway, New Windsor 12553. Amount: $400,000. Filed Feb. 8.

Castaldo Brothers Inc., Poughkeepsie. Seller: Richard C. Amodeo, Hopewell Junction. Property: 26 Alexander Blvd., Poughkeepsie.

Amount: $170,000. Filed Feb. 1.

Chambers 12550 LLC, Highland Mills. Seller: GSZ Properties LLC, Newburgh. Property: 200 Chambers St., Newburgh 12550. Amount: $295,000. Filed Feb. 4.

CIT Bank N.A. Seller: Bruce D. Townsend, Walden. Property: 226 Quaker St., Wallkill. Amount: $330,224. Filed Feb. 7.

24

FEBRUARY 18, 2019

Federal National Mortgage Association. Seller: Lisa Cullen, Warwick. Property: 217 Pine Island Turnpike, Warwick 10990. Amount: $234,548. Filed Feb. 4.

Federal National Mortgage Association. Seller: Michael Blustein, Goshen. Property: 350 N. Water St., Apt. 6-7, Newburgh 12550. Amount: $286,711. Filed Feb. 4.

Federal National Mortgage Association. Seller: Randall V. Coffill, Port Jervis. Property: 24 Maple Drive, Middletown 10940. Amount: $231,915. Filed Feb. 6.

Federal National Mortgage Association. Seller: Robert B. Hunter, South Fallsburg. Property: 270 Garden St., New Windsor 12553.

Amount: $532,801. Filed Feb. 4.

Green Acres HMR LLC, Brooklyn.

Seller: Barbara S. Fuhrmann, Riverwoods, Illinois. Property: in Hurley and Ulster. Amount: $347,875. Filed Feb. 1.

Han Holdings LLC, Poughkeepsie. Seller: Jacqueline T. Martin, Poughkeepsie. Property: 23 Helen Court, Beacon 12508. Amount: $166,500. Filed Jan. 31.

Hardy II Corp., Beacon. Seller: Brittani Ducos, Peekskill. Property: 9 Victor Road, Beacon. Amount: $211,500. Filed Jan. 31.

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N.D.G. Associates Inc., New City.

Seller: Jason Pitingaro, et al, Warwick. Property: in New Windsor.

Amount: $75,000. Filed Feb. 6.

N.D.G. Associates Inc., New City.

Seller: Jason Pitingaro, Warwick.

Property: in New Windsor. Amount: $75,000. Filed Feb. 6.

N.D.G. Associates Inc., New City.

Seller: Kevin E. Parmelee, Newburgh. Property: 62-A Kenwood Drive, New Windsor 12553. Amount: $68,000. Filed Feb. 8.

N.D.G. Associates Inc., New City.

Seller: Thomas Costa, et al, Newburgh. Property: in New Windsor.

Amount: $70,000. Filed Feb. 6.

N.D.G. Associates Inc., New Windsor. Seller: Shane Petrollese, et al, New Windsor. Property: in New Windsor. Amount: $90,000. Filed Feb. 8.

National Premier Investments LLC, Doral, Florida. Seller: Honradez Investment Group LLC, Thousand Oaks, California. Property: 106 Arcadian Trail, Monroe 10950.

Amount: $6,000. Filed Feb. 4.

Nationstar Mortgage LLC. Seller: Donald Cappillino, Pawling. Property: 22 Garden St., Wappingers Falls 12590. Amount: $232,500. Filed Feb. 6.

New Fort Properties LLC, Putnam Valley. Seller: Deutsche Bank National Trust Co. Property: 99 Courtney Ave., Newburgh 12550.

Amount: $57,060. Filed Feb. 7.

Newlife Properties Corp., Pleasant Valley. Seller: The Bank of New York Mellon. Property: 44 Robert Lane, Wappingers Falls 12590.

Amount: $160,500. Filed Feb. 1.

NJCC-NYS Community Restoration Fund LLC, Houston, Texas.

Seller: Wendy Barbee Lowell, Staten Island. Property: 68 Eisenhower Drive, Middletown 10940. Amount: $175,000. Filed Feb. 5.

The Secretary of Veterans’ Affairs, Nashville, Tennessee. Seller: Thomas A. Green, Goshen. Property: 81 Holloron Road, New Windsor 12553. Amount: $357,059. Filed Feb. 7.

Town of Blooming Grove, Blooming Grove. Seller: Edward Konstantinov, Easton, Connecticut.

Property: 2737 Route 94, Blooming Grove 10992. Amount: $178,000.

Filed Feb. 6.

U.S. Bank N.A. Seller: James P. Flores, et al, Arnold, Missouri. Property: 18 Chaucer Court, Middletown 10941. Amount: $124,152. Filed Feb. 6.

Centre Street Productions, Woodstock. $159 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

Cibo Inc., Milton. $38,534 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Feb. 4.

Custom Modular Home Building Systems LLC, New the New York State Department of Taxation and Finance, Albany. Filed Sept. 12.

James B. Cromwell and Son Inc., Wallkill. $174 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

Pena Farm LLC, New Hampton. Seller: Marlene Pahucki, New Hampton. Property: 1104 Route 37 and 1326 Route 12, New Hampton 10958. Amount: $530,000. Filed Feb. 7.

U.S. Bank N.A. Seller: Jason Stungurys, Sparrow Bush. Property: 249 Boehmler Road, Sparrow Bush 12780. Amount: $165,000. Filed Feb. 7.

JDR Concepts, Newburgh. $3,213 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 12.

PeteFini Inc., Monroe. Seller: Genius Ventures Inc., Patterson. Property: Cedar Hill Drive, Lot 12, Warwick. Amount: $83,000. Filed Feb. 7.

U.S. Bank N.A. Seller: John E. Bach Jr., Goshen. Property: 205 Cardinal Drive, Montgomery 12549. Amount: $456,235. Filed Feb. 7.

Koala Bear Ltd., Woodstock. $5,654 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

PNC Bank N.A. Seller: John E. Bach Jr., Goshen. Property: 214 Woodlands, Tuxedo Park 10987. Amount: $579,350. Filed Feb. 6.

U.S. Bank N.A. Seller: Kathleen Capocciamo, Goshen. Property: 181 Montgomery St., Goshen 10924.

Amount: $527,786. Filed Feb. 6.

Lasher Funeral Home Inc., Woodstock. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

Quantum View Holdings LLC, Wappingers Falls. Seller: Kevin L. Wright, Mahopac. Property: 35 Rural Ave., Wingdale 12594. Amount: $92,500. Filed Feb. 6.

Vickers Property LLC, New York City. Seller: Kathleen Palmeri-Martin, et al, Hyde Park. Property: 1501, 1503, and 1505 Route 9G, Hyde Park.

Amount: $221,500. Filed Feb. 1.

Lazreb Inc., Saugerties. $1,934 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

Shimon Satmar LLC, Monroe.

Seller: Elye Ben Ester LLC, Monroe.

Property: in Kiryas Joel. Amount: $300,000. Filed Feb. 5.

WVUE 2015-1, Newport Beach, California. Seller: Martin R. Goldberg, Middletown. Property: 8 Schwartz Lane, Rock Tavern 12575.

Amount: $440,407. Filed Feb. 7.

LCL Dispatch LLC, Lake Katrine. $179 in favor of the New York State Department of Taxation and Finance, Albany. New York State Department of Taxation and Finance, Albany. Filed Sept. 12.

Xela Ventures LLC, et al, Beacon.

Seller: Aimee E. Colandrea, Walden.

Property: 70 Johnes St., Unit 322E, Newburgh 12550. Amount: $33,500.

Filed Feb. 4.

Njoi Event Designs Inc., Newburgh. $166 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 12.

YYY Properties LLC, Chester.

Seller: John Bach Jr., Goshen. Property: 34 Commonwealth Ave., Newburgh 12550. Amount: $195,100.

Filed Feb. 6.

North Woods Co., Gardiner. $100 in favor of the New York State the New York State Department of Taxation and Finance, Albany. Filed Sept. 12.

Silbase Enterprises Inc., Washingtonville. Seller: Alan L. Joseph, Goshen. Property: 237 Tompkins Road, Montgomery 12549. Amount: $157,500. Filed Feb. 4.

Stropkov Equities LLC, Monroe.

Seller: Woodbury Villas A LLC, Brooklyn. Property: 49 Catskill High Rail, Woodbury. Amount: $305,000. Filed Feb. 4.

TDAA Corp., Wappingers Falls.

Seller: LMD Property Holdings LLC, Wappingers Falls. Property: in Wappingers Falls. Amount: $50,000.

Filed Jan. 31.

TH Developments LLC, New Windsor. Seller: Wilmington Savings Fund Society FSB. Property: 38 Dewitt St., Middletown 10940.

Amount: $127,800. Filed Feb. 4.

The 602 Building LLC, Rhinebeck. Seller: Ulster Properties and Buildings Inc., Putnam Valley.

Property: in Kingston. Amount: $241,000. Filed Feb. 1.

The Bank of New York Mellon.

Seller: Robert Fink, Goshen. Property: 28 Woodland Court, Greenwood Lake 10925. Amount: $473,501. Filed Feb. 6.

JUDGMENTS ABMG General Contracting Corp., Newburgh. $57,206 in favor of the New York State Department of Labor, Albany. Filed Sept. 12.

B. Millens Sons Inc., Kingston. $999 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

Callejas Neighborhood Grocery and Delicatessen Corp., Ellenville. $931 in favor the New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

Russell Lipensky and Associates Inc., Pine Bush. $312 in favor of New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

Sim Suh Group Inc., Central Valley. $989 in favor of the the New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

Techstrip Sales Ltd., Newburgh. $2,246 in favor of the New York State Department of Labor, Albany.

Filed Sept. 12.

Techwiz Designs Inc., Monroe. $262 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 12.

Facts & Figures Trueway Direct Inc., Monroe. $525 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 12.

Vin De Vincent Ltd., New Paltz. $2,578 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

Warwick Family Realty Inc., Slate Hill. $508 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 12.

Wild Currents Communications Inc., Woodstock. $931 in favor of the New York State Department of Taxation and Finance, Albany. Filed Feb. 4.

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

152-158 Fishkill Avenue LLC, et al. Filed by Dutchess Tank Corp.

Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 152-158 Fishkill Ave., Poughkeepsie. Filed Feb. 5.

Brett, Joseph J., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $188,488 affecting property located at 13 Lakeview Place, Sterling Forest 10979. Filed Dec. 27.

Edmonstone, Therese L., et al.

Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $350,000 affecting property located at 250 Lauer Road, Poughkeepsie 12603. Filed Feb. 5.

Brewer, Michelle, as possible heir to the estate of Janice Lifer, et al. Filed by Rondout Savings Bank. Action: seeks to foreclose on a mortgage to secure $91,000 affecting property located at 60 S. Manor Ave., Kingston 12401. Filed Feb. 7.

Elwell, James D., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $164,275 affecting property located at 197 Glennwood Road, Pine Island 10969. Filed Dec. 27.

Brinckerhoff, Laurynn M., et al. Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $123,178 affecting property located at 56 Hudson St., Port Jervis 12771.

Filed Dec. 19.

Constantino, Barbara, et al.

Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $267,750 affecting property located at 3 Tanglewood Drive, Goshen 10924. Filed Dec. 21.

Coppersmith, Lena L., et al. Filed

by The Bank of New York Mellon Trust Company N.A. Action: seeks to foreclose on a mortgage to secure $255,000 affecting property located at 170 Lucks Road, Greenfield Park 12435. Filed Feb. 5.

Baquero, Victor, et al. Filed by Flagstar Bank FSB. Action: seeks to foreclose on a mortgage to secure $255,290 affecting property located at 9 Williams Court, Monroe 10950.

Filed Dec. 21.

Costello, Katie F., individually and as trustee of Kate F. Costello Trust, et al. Filed by Specialized Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $105,750 affecting property located at 11 Freezer Road, Middletown 10940. Filed Dec. 26.

Barbato, Tyrone, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $116,000 affecting property located at 95 Market St., Wappingers Falls 12590. Filed Jan. 31.

Costley, Elizabeth, et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $452,000 affecting property located at 92 Arnold Drive, Kingston 12401. Filed Feb. 1.

Beatty, Robert A. Jr., as executor of the estate of Robert A. Beatty, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $435,000 affecting property located at 18 Dragonfly Drive, Wallkill 12589. Filed Dec. 19.

Cruz, Nikko V., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $268,000 affecting property located at 27 Westview Drive, Wallkill 12589. Filed Feb. 1.

Benjamin, Noreen, et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $272,053 affecting property located at 686 Willow Brook Road, Clinton Corners 12514.

Filed Jan. 31.

Borath, Arlene K., et al. Filed by The Bank of New York Mellon Trust Company N.A. Action: seeks to foreclose on a mortgage to secure $390,000 affecting property located at 6 Ellison Drive, New Windsor 12553. Filed Dec. 19.

Bray, Douglas J., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $111,600 affecting property located at 1007 Cherry Hill Drive, No. 1007, Poughkeepsie 12603. Filed Jan. 30.

Curtis, Shawn M., et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $131,391 affecting property located at 14 Greentree Drive North, Hyde Park 12538. Filed Jan. 30.

D’Angelo, Charles N., as heir to the estate of Charles A. D’Angelo, et al. Filed by Reverse Mortgage Solutions Inc. Action: seeks to foreclose on a mortgage to secure $322,500 affecting property located at 55 Frank Court, Unit 55, Monroe 10950. Filed Dec. 26.

Dibattista, Bret S., et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $203,200 affecting property located at 28 Wintergreen Ave., Newburgh 12550. Filed Dec. 27.

Estela, Carlos J., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $188,996 affecting property located at 20 Forest Hill Road, New Windsor 12553. Filed Dec. 27.

Ferraro, Marisa M., et al. Filed

by MB Financial Bank N.A. Action: seeks to foreclose on a mortgage to secure $141,300 affecting property located at 89 Penstock Lane 37-C, Lake Katrine 12449. Filed Feb. 6.

Gallagher, Timothy, et al. Filed

by The Putnam County National Bank of Carmel. Action: seeks to foreclose on a mortgage to secure $135,000 affecting property located at 36 Clearview Road, Dover. Filed Feb. 6.

Gebman, Rebecca R., et al. Filed

by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $148,000 affecting property located at 521 Harbor View Court, Beacon 12508. Filed Jan. 31.

Gentile, Elda R., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $25,000 affecting property located at 88 Cedar St., West Hurley 12491.

Filed Feb. 7.

Goldberg, Dianna T., et al. Filed

by Caliber Home Loans Inc. Action: seeks to foreclose on a mortgage to secure $145,000 affecting property located at 11 Sycamore Drive, Newburgh 12550. Filed Dec. 21.

Grunhut, Yehoseph, et al. Filed

by Caliber Home Loans Inc. Action: seeks to foreclose on a mortgage to secure $323,000 affecting property located at 103 Forest Ave., Monroe 10950. Filed Dec. 19.

Gulnick, Burton Jr., as administrator of the estate of Julia A. Satterfield, et al. Filed by Reverse Mortgage Solutions Inc. Action: seeks to foreclose on a mortgage to secure $360,000 affecting property located at 223 Blue Mountain Road, Saugerties 12477. Filed Feb. 7.

Haber, John, et al. Filed by Ulster Savings Bank. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 20-22 Creek Side Drive, Shandaken 12480. Filed Feb. 1.

Hablow, Karin E., Orange County commissioner of finance as administratrix of the estate of Melvin G. Palmer, et al. Filed

by CIT Bank N.A. Action: seeks to foreclose on a mortgage to secure $406,125 affecting property located at 49 Werner Ave., Florida 10921.

Filed Dec. 26.

Hatsis, Mark A., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $932,000 affecting property located at 456 W. Lake Road, Tuxedo Park 10987. Filed Dec. 27.

Hill, Carl, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $132,946 affecting property located at 71 Sodom Road, Hyde Park 12538.

Filed Feb. 1.

Jenkins, Edward Jr., et al. Filed

by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $168,750 affecting property located at 24 Ridge Ave., Walden 12586. Filed Dec. 19.

Koppie, Helen L., et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $74,175 affecting property located at 75 Innis Ave., Poughkeepsie 12601. Filed Feb. 1.

Lewis, Paula, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $184,000 affecting property located at 24 Ogden St., Middletown 10940. Filed Dec. 26.

Luhs, Brenda, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $445,500 affecting property located at 1 Bede Terrace, Cornwall-on-Hudson 12518. Filed Dec. 26.

McDermott, Andrew C., et al.

Filed by Plaza Home Mortgage Inc. Action: seeks to foreclose on a mortgage to secure $110,000 affecting property located at 141 Russell Road, Hurley 12443. Filed Feb. 4.

McKinnon, Cheryl A., et al. Filed

by M&T Bank. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 17 Fitchett St. and Cottage St., Poughkeepsie 12601. Filed Feb. 6.

Mczeek, Debra L., et al. Filed

by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $335,700 affecting property located at 23 Woodfield Drive, Washingtonville 10992. Filed Dec. 20.

Moore, Kathleen E., as executor of the estate of Evelyn R. Moore, et al. Filed by PCSB Bank. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 10 Rebecca Lane, Pawling 12564. Filed Feb. 6.

Moore, Leonard, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $325,500 affecting property located at 215 Fishkill Landing, Beacon 12508. Filed Feb. 6.

Schuller, Robert, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $198,000 affecting property located at 65 Sleepy Valley Road, Warwick 10990. Filed Dec. 27.

Morfea, Giuseppe Jr., as executor of the estate of Nancy Morfea, et al. Filed by JPMC Specialty Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $123,250 affecting property located at 36 Evan Road, Dover 12522. Filed Jan. 31.

Secor, James J., et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $134,600 affecting property located at 445 White School House Road, Rhinebeck 12572. Filed Feb. 1.

Morton, Daniel, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $113,200 affecting property located at 14 White Gate Drive, Wappingers Falls 12590.

Filed Feb. 1.

Navitsky, Larry, et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $131,000 affecting property located at 10 Terrie St., Ellenville 12428.

Filed Feb. 5.

Neals, Dinah C., et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $113,120 affecting property located at 36 Red Maple Road, Saugerties 12477. Filed Feb. 4.

Payne, Lateef S., et al. Filed by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $299,279 affecting property located at 5552 Searsville Road, Pine Bush 12566. Filed Dec. 19.

Prince, Peter D., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $293,188 affecting property located at 34 Hickory Drive, Campbell Hall 10916. Filed Dec. 27.

Rausch, Eric, et al. Filed by Sawyer Savings Bank. Action: seeks to foreclose on a mortgage to secure $80,000 affecting property located at 2 Brookview Lane, Esopus. Filed Feb. 4.

Romano, Enrico A. Jr., et al. Filed

by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $316,976 affecting property located at 14 Reilly Road, LaGrangeville 12540. Filed Jan. 31.

Scaturro, Ann Rose, et al. Filed

by Keybank N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 55 Cross Road, Marlborough.

Filed Feb. 4.

Schaeffer, Glenn, et al. Filed by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $222,400 affecting property located at 264 Heritage Lane, Monroe 10950. Filed Dec. 20.

Schmitt, Joan S., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $50,000 affecting property located at 2 Park Place, Unit B2E, Newburgh 12550. Filed Dec. 26.

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Sellati, Carmela, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $423,500 affecting property located at 43 Albrecht Lane, Pleasant Valley 12569. Filed Feb. 6.

Steele, Steven, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $82,845 affecting property located at 52-54 Fowler St., Port Jervis 12771.

Filed Dec. 21.

Stoutenburgh, Robert A., as executor of the estate of Muriel A. Stoutenburgh, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $450,000 affecting property located at 214 Spackenkill Road, Poughkeepsie 12603. Filed Jan. 30.

The unknown heirs and distributees of the estate of Ann Nadratowski, et al. Filed by Keybank N.A. Action: seeks to foreclose on a mortgage to secure $162,125 affecting property located at 297 Schwabie Turnpike, Kerhonkson 12446.

Filed Feb. 6.

Tiano, Julia, et al. Filed by Citibank N.A. Action: seeks to foreclose on a mortgage to secure $60,000 affecting property located at 397 Delaware Ave., Kingston 12401.

Filed Feb 6.

Vanleeuwen, Frank A., et al.

Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $240,000 affecting property located at 460 Route 32, Wallkill 12589.

Filed Dec. 27.

Vega, Luis A., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $153,000 affecting property located at 6 Circus Ave., Ellenville 12428. Filed Feb. 4.

Walsh, Patricia, et al. Filed by Carrington Mortgage Services LLC. Action: seeks to foreclose on a mortgage to secure $195,988 affecting property located at 24 Scenic Drive, Poughkeepsie 12603. Filed Feb. 4.

Watson, Stephen G., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $164,957 affecting property located at 1388 Greenville Turnpike, Port Jervis 12771. Filed Dec. 21.

FEBRUARY 18, 2019

25

Facts & Figures Wilbur, Sandra, as heir and distributee of the estate of Rose B. Rotella, et al. Filed by CIT Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 214 RR School Lane, Phoenicia 12464. Filed Feb. 5.

Mechanic’s Liens 26 Fort Worth Place LLC, as owner. $6,178 as claimed by JC Electrical Services Inc., Monroe. Property: 26 Fort Worth Place, Monroe. Filed Feb. 5.

Cumberland Farms Inc., as owner. $16,948 as claimed by Contech Engineered Solutions LLC, Duluth, Georgia. Property: 270 Route 17K, Newburgh. Filed Feb. 8.

EMDF Realty LLC, Monroe, as owner. $66,400 as claimed by ABMG General Contracting Corp., Newburgh. Property: 154 Plank Road N., Newburgh. Filed Feb. 5.

Hopewell Sportsdome Ventures LLC, as owner. $62,600 as claimed

by Pine Bush Equipment Company Inc., Holmes. Property: 2 Auditorium Drive, Hopewell Junction. Filed Feb. 7.

N.D.Y. Ventures LLC, as owner. $13,018 as claimed by The Eagle Leasing Co., Orange, Connecticut.

Property: 238 Tuckers Corner Road, Plattekill. Filed Feb. 4.

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If you or your firm is interested in framing an article or award from our newspaper or obtaining a reprint of a particular story Please contact

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

Starlight Holding LLC, as owner. $106,112 as claimed by Savage Equipment Company Inc., Hewitt, New Jersey. Property: in Newburgh.

Filed Feb. 6.

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

Doing Business As Suresky Hyundai Inc., d.b.a.

Genesis of Goshen, 2 Hatfield Lane, Goshen 10924. Filed Jan. 4.

Suresky Hyundai Inc., d.b.a.

Suresky Hyundai Genesis, 2 Hatfield Lane, Goshen 10924. Filed Jan. 4.

Suresky Hyundai Inc., d.b.a.

Suresky Hyundai, 2 Hatfield Lane, Goshen 10924. Filed Jan. 4.

Partnerships 21 Sewer and Drain, 21 Clemson Park, Middletown 10940, c/o Tyler T. Littner and Bernard J. Hagan.

Filed Dec. 31.

26

FEBRUARY 18, 2019

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Nova Elite Sports, 283 Robinson Ave., Newburgh 12550, c/o Juan Luis and Adrian Daniel Fuentes. Filed Dec. 27.

P and P Home Services, 2 Woodland Drive, Highland 12528, c/o Chantel Passerelli and Marvin Alfred Peralta Liva. Filed Jan. 31.

Sole Proprietorships Angel White Laundry Care, 15 Nayside Drive, Hurley 12443, c/o Diane K. Wright. Filed Feb. 4.

August Consulting, 5 Pischke Road, Campbell Hall 10916, c/o Sania Khan. Filed Dec. 28.

Avery’s Construction and Remodeling, 652 Broadway, Ulster Park 12487, c/o Edwin C. Mazara.

Filed Feb. 6.

Baked By Kenya, 12 Boyd Road, Monroe 10950, c/o Kenya Salaudeen. Filed Jan. 2.

Barnhouse Creative Consulting, 69 St. Josen Road, Accord 12404, c/o Cynthia A. Lampman-Davern. Filed Feb. 5.

Boughton Tech, 672 Broadway, Kingston 12401, c/o Shawn A. Boughton. Filed Feb. 4.

Bruno’s Pizzeria, 3218 Route 9W, Saugerties 12477, c/o Sandra A. Patterson. Filed Feb. 6.

Charlie The Plumber, 114 W. Shokan Heights, West Shokan 12494, c/o Charles Robert Planz.

Filed Feb. 6.

Farmhouse Bakery, 9 White Lands Road, Stone Ridge 12484, c/o Denise Van Aken. Filed Feb. 4.

Flawless Fish Tanks, 50 Jimal Drive, Middletown 10941, c/o Gerod S. Evans. Filed Jan. 2.

Green Bear Drone Services, P.O. Box 282, Montgomery 12549, c/o James E. Bakun. Filed Dec. 28.

Hygienics by Taylor, 169 Ulster Ave., Saugerties 12477, c/o Taylor Price. Filed Feb. 5.

JJ Solutions, 18 Pleasant View Ave., Newburgh 12550, c/o Janet E. Mitchell Answer. Filed Dec. 31.

Kararchitecture, 94 Brinic Farm Road, Stone Ridge 12484, c/o Karin R. Reynolds. Filed Feb. 1.

Keith Davis Mechanical, 3893 Route 28A, West Shokan 12494, c/o Keith J. Davis. Filed Feb. 5.

Lavish Lifts, 56 Watkins Ave., Apt. A, Middletown 10940, c/o Lee A. Forman. Filed Dec. 31.

Lime Lion Creative, 184 Post Road, Slate Hill 10973, c/o Kristi E. Redmond. Filed Dec. 31.

M and M Transportation Services, 62 Highrose Ridge Way, Middletown 10940, c/o Silvo A. Morales.

Filed Dec. 28.

Mariuccia’s Gypsy Kitchen, P.O. Box 161, Port Ewen 12466, c/o Mary Ellen Pioli. Filed Feb. 5.

Massage By Jun, 102 Lucas Ave., Kingston 12401, c/o Aniceto V. America Jr. Filed Feb. 6.

Mikes Auto, 2078 Route 6, Middletown 10940, c/o Miguel Alvarado.

Filed Jan. 2.

Moreno Income Tax, 97 North St., Middletown, c/o Rogelio Moreno.

Filed Jan. 2.

New York Dressage, 16 Almond Tree Lane, Warwick 10990, c/o Kimberly Ann Martin. Filed Jan. 3.

No Doubt Design, 108 Parkdale Drive, New Windsor 12553, c/o Michael Vincent Cahill, Jr. Filed Dec. 27.

OCNYtech, 13 Rockridge Drive, Highland Mills 10930, c/o Michael Lawrence DeLeon. Filed Dec. 31.

Over the Moon, 89 Boniface Drive, Pine Bush, c/o Suzanne Russell.

Filed Jan. 3.

Ray’s Home Improvements, 39 Berkman Drive, Middletown 10941, c/o Ray C. Ortiz. Filed Jan. 3.

Renee Stanley-Cruise Planners, 124 Creek Side Drive, Shandaken 12480, c/o Renee N. Stanley. Filed Feb. 5.

Restaurante Jarocho’s, 52 9W, New Windsor 12533, c/o Elvia Camacho. Filed Dec. 27.

Ro-Go Property Management, 240 Lakeside Road, Newburgh, c/o James A. Rogulski. Filed Dec. 31.

Sophisticatz Wedding and Event Planning, 2 Marey Cane Road, Greenwood Lake 10925, c/o Nicole L. Campbell. Filed Jan. 2.

Stories Preserved for Generations to Come, 350 Water St., 5-3, Newburgh 12550, c/o Susan A. Valentine. Filed Jan. 3.

Transformed Treasures, 3 Myrtle Ave., Greenwood Lake 10925, c/o Susan M. Velez. Filed Jan. 2.

LEGAL NOTICES Notice of Formation of Leaders of the Wave, LLC filed with SSNY 12/28/2018.

Office: West. County. SSNY desig. agent of LLC upon whom process against it may be served. SSNY shall mail copy of process to LLC: 10 California Road, Mt. Vernon, NY 10552. Purpose: any lawful act or activity. #61995 Notice of Formation of Bright Future Montessori Daycare, LLC Art. of Org. filed with SSNY on 10/01/2018. Off. 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, 249 Lee Avenue Yonkers, N.Y 10705. Purpose:any lawful purpose. #61996 ASA Focus Groups, LLC. Filed 12/14/18 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 243 Park Avenue, Eastchester, NY 10709 Purpose: all lawful #61997 Notice of Formation of Somers Pointe Restaurant & Catering, LLC Art. of Org. filed with SSNY on 1/4/19.

Office Location: Westchester Cty. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 19 Elmwood Avenue, West Harrison, NY 10965. Purpose: any lawful purpose. #61998 Notice of Formation of DiNapoli Family Real Estate Fund, LLC Art. of Org. filed with SSNY on 1/4/19. Office Location: Westchester Cty. SSNY designated as agent of the LLC upon whom process against it may be served.

SSNY shall mail process to the LLC, 19 Elmwood Avenue, West Harrison, NY 10965.

Purpose: any lawful purpose. #61999 Notice of Formation of Delta Tech Systems, LLC, Art. Of Org. filed with SSNY on 12/27/2018. 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, 308 Tompkins Ave, Mamaroneck, NY 10543. Purpose: any lawful purpose. #62000 Edcon II, LLC. Filed 1/3/19 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 49 Mount Vernon Avenue, Mount Vernon, NY 10550 Purpose: all lawful #62001 E M V Contracting NY LLC. Filed 12/27/18 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 3 Westchester View Lane, White Plains, NY 10603 Purpose: all lawful #62002 Good Living Painting Co LLC. Filed 12/28/18 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 50 Dover Lane, Yonkers, NY 10710 Purpose: all lawful #62003

Adriatic Remodeling LLC. Filed 1/2/19 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 372 Central Park Avenue 1B, Scarsdale, NY 10583 Purpose: all lawful #62004 Notice of Formation of Newopps Investors LLC. Art. Of Org. filed with SSNY on 10/16/2017. Offc.Loc: Westchester Cty. SSNY design. as agent of the LLC upon whom process against it may be served.SSNY shall mail process to the LLC,23 David Drive New Rochelle,NY 10804. Purpose:any lawful purpose. #62005 Notice of Formation of V & R Home Improvement LLC. Arts. of Org. filed with SSNY on 01/08/2019. Office location: Westchester County.

SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to 302 Sherman Ave, Peekskill, NY 10566. Purpose: any lawful act or activity. #62006 NOTICE OF FORMATION of Simply Arranged LLC. Arts of Org filed with SSNY on 12/13/2018. Westchester County. SSNY designated agent of LLC upon whom process may be served and shall mail copy to 152 Heatherdell Road, Ardsley, NY 10502. Purpose: Any lawful act. #62007 Caroline Lasky, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 11/9/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to Courtney Gahr, 107 Union Ave., Harrison, NY 10603. General Purpose. #62008 NOTICE OF FORMATION of Clar(e)ification MAC, LLC. Arts. of Org. filed with NY Sec. of State (NYSS) 12/18/2018. Exist Date 1/1/2019. Office: Westchester Co. NYSS designated agent upon whom process may be served. NYSS shall mail process to the LLC at 9 William Puckey Drive, Cortlandt Manor, NY 10567. Purpose of LLC: Any lawful purpose. #62010 NOTICE OF FORMATION of perlmutter associates LLC. Arts of Org filed with SSNY on 1/03/2019. Westchester County. SSNY designated agent of LLC upon whom process may be served and shall mail copy to 727 Bedford Road, Bedford Corners New York, 01549.

Purpose: Any lawful act. #62012 DonaLina LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 1/11/19. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 333 Main Street, Armonk, NY 10504.

Purpose: Any lawful purpose. #62013

Crowe Road LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 1/11/19. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 333 Main Street, Armonk, NY 10504.

Purpose: Any lawful purpose. #62014 LevelSix LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 1/11/19. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 333 Main Street, Armonk, NY 10504.

Purpose: Any lawful purpose. #62015 Notice of Formation of 14 SOUTH GREELEY LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 11/16/18. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: One New King Street, Suite 201, West Harrison, NY 10604.

Purpose: any lawful act or activity. #62016 Notice of formation of Northeastern American Restaurant Company LLC. Art. of Org. filed with the SSNY on 12/21/2018. Office loc: Westchester Cty. SSNY designated as agent of the LLC upon whom process against it may be served.

SSNY shall mail process to the LLC, 347 Central Park Ave Unit C Scarsdale, NY 10583. Purpose: Any lawful purpose. #62017 Barrister Legal Search, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 11/7/2018. Cty: Westchester.

SSNY desig. as agent upon whom process against may be served & shall mail process to 707 Westchester Ave., Ste. 411, White Plains, NY 10604. General Purpose. #62018 RJD3 Enterprises LLC. Filed 1/17/19 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 119 Pondfield Rd #978, Bronxville, NY 10708 Purpose: all lawful #62019 RJD9 Enterprises LLC. Filed 1/17/19 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 119 Pondfield Rd #978, Bronxville, NY 10708 Purpose: all lawful #62020 Leading Ethics LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 1/18/2019.

Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to BlumbergExcelsior Corporate Services, Inc., 16 Court St., 14TH Fl., Brooklyn ,NY 11241.

General Purpose. #62022 Umbrella Investors LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 11/13/2018. Cty: Westchester.

SSNY desig. as agent upon whom process against may be served & shall mail process to 731 Main St., New Rochelle, NY 10801. General Purpose. #62023

Tribal Towels LLC. filed on 01/14/2019 in Westchester County. SSNY desig. as agent upon whom process may be served & shall mail process to registered agent, US Corp.

Agents, Inc. 7014 13th Ave, Ste 202 Brooklyn, NY 11228.

Principal bus. address of LLC is: 18 Richbell Road, White Plains NY, 10605. Purpose: all lawful #62024 Notice of Formation of Ninewoniv, LLC Art. Of Org. filed with SSNY on 1/24/19.

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, 11 Fisher Ct Apt 7E, White Plains, NY 10601.

Purpose: any lawful purpose. #62025 Notice of formation of Limited Liability Company.

Name: Calcagno Preservation MM LLC (ìLLCî). Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on November 15, 2018. NY office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served.

The SSNY shall mail a copy of any process to Calcagno Preservation MM LLC, c/o The Mulford Corporation, 1511 Central Park Avenue, Yonkers, New York 10710.

Purpose/character of LLC is to engage in any lawful act or activity. #62026 Notice of formation of Limited Liability Company.

Name: Calcagno Preservation Partners LLC (ìLLCî). Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on November 15, 2018. NY office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served.

The SSNY shall mail a copy of any process to Calcagno Preservation Partners LLC, c/o The Mulford Corporation, 1511 Central Park Avenue, Yonkers, New York 10710.

Purpose/character of LLC is to engage in any lawful act or activity. #62027 Notice of Formation of A & M 27, 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 120 Hyatt Avenue, Yonkers, NY 10704. Articles of Organization of the LLC filed with the SSNY on 1/3/2019. Purpose: Any lawful act(s). #62029 Notice of Formation of 140 Winfred 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 17 South MacQuesten Parkway, Mt. Vernon, NY 10550. Articles of Organization of the LLC filed with the SSNY on 1/3/2019.

Purpose: Any lawful act(s). #62030

Geese Be Gone LLC Art. of Org. filed with NY Secretary of State on January 3, 2019. Office located in WESTCHESTER COUNTY. 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: 10 BRIDLESIDE LANE NORTH SALEM, NY 10560 (the LLCís primary business location).

LLC may engage in any lawful act or activity for which a limited liability company may be formed. #62031 Notice of Formation of K3 Media Collective LLC Art. Of Org. filed with SSNY on 12/13/2018. 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, 2 Tall PInes Dr., Bedford Corners, NY 10549. Purpose: any lawful purpose. #62032 Notice of Formation of Tristate Estates LLC. Art. of Org. filed with SSNY on 1/23/19. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to the LLC, 222 Purchase St, Suite 195, Rye, NY 10580. Purpose: Any lawful purpose. #62033 Notice of Formation of KO Fire Protection Engineering Services, PLLC. Of Org. filed with SSNY on 11/5/18. Offc.

Loc: Westchester Cty. SSNY desig. as agent of the PLLC upon whom process against it may be served. SSNY shall mail process to the PLLC, 79 South Highland Avenue Apt. C6 Ossining, NY 10562.

Purpose: any lawful purpose. #62034 Notice of Formation of LLC: CJM INNOVATIVE MARKETING LLC , Articles Of Org. filed with SSNY on 11/8/ 2018 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, 1251 Underhill Ave, Yorktown Hts., NY 10598. Purpose: any lawful purpose. #62035 NOTICE OF FORMATION OF TALKTOME TECHLANGUAGE THERAPY PLLC. Arts of Org. filed with SSNY on 1/24/19. Office loc. Westchester County.

SSNY designated as agent upon whom process may be served. SSNY shall mail a copy of any process against the PLLC: MAYA FELDMAN 7 RANDY LN PLEASANTVILLE NY 10570 The principal business address of the PLLC is: 7 RANDY LN PLEASANTVILLE NY 10570 Purpose: any lawful act or activity #62041

Four Jax LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 11/21/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to PO Box 264, Pleasantville, NY 10570.

General Purpose. #62042

Tom Schirmacher Studio LLC. Art. of Org. filed 2/6/19.

Office in Westchester Co. SSNY designated for service of process and shall mail to Reg. Agent: Thomas Law Firm, 175 Varick St, NY, NY 10014. Purpose: Any lawful activity #62049

Notice of Formation of Hairvine Salon LLC Art. Of Org. filed with SSNY on 01/25/19. 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, 480 Main St, Armonk, NY, 10504.

Purpose: any lawful purpose. #62043

Notice of Formation of LUMINA LIFECARE LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 1/28/19. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Maura Milligan Newman, 114 Bellair Drive, Dobbs Ferry, NY 10522. Purpose: any lawful act or activity. #62051

Notice of Formation of Global Learning Unlimited, LLC. filed with SSNY on 9/16/18. Offc.

Loc: 22 Leland Avenue, New Rochelle, NY 10805. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the: Global Learning Unlimited, LLC, 22 Leland Avenue, New Rochelle, NY 10805. Purpose any lawful purpose. #62044 Notice of formation of Cellar & Sawdust Contracting + Design, LLC. Articles of formation filed with New York Secretary of State (SSNY) on 1/14/19. Office located in Westchester County.

SSNY designated as agent upon which process may be served. SSNY shall mail a copy of process to: 25 Rosehill Ave, Tarrytown, NY 10591, the principal business location of LLC. Purpose of business is any lawful act or activity. #62045 36 Haven Ave. Realty LLC. Filed 1/25/19 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 14 Senator Levy Drive, Suffern, NY 10901 Purpose: all lawful #62046 NOTICE OF FORMATION of CSRC LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 10/15/2018.

Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served and shall mail process to: CSRC LLC, 109 Appleby Drive, Bedford, NY 10506, principal business address.

Purpose: any lawful activity. #62047 FMBJ608 LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 1/4/2019. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 112 Forest Ave., New Rochelle, NY 10804.General Purpose. #62048

WCBJ

Notice of Formation of RIMBY LLC Art. Of Org. filed with SSNY on 2/7/19.

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, 1 Bronxville Rd #6M, Bronxville, NY 10708.

Purpose: any lawful purpose. #62052 Notice of Formation of FiveSixty LLC Art. Of Org. filed with SSNY on 1/9/19.

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, P.O. Box 342, Yonkers, NY 10705. Purpose: any lawful purpose. #62053 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: SKINCARE BY KRISTEN A. EVANS LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 02/15/17.

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: Tony Braca, CPA, 700 Summer St, Suite 1K, Stamford, CT 06901.

Purpose: any lawful business activity. #62050 Notice of Formation of DePaola Development, LLC Art. Of Org. filed with SSNY on 01/25/19. 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, 51 Hillcrest Ave, Ardsley, NY 10502. Purpose: any lawful purpose. # 62040 K.A.R Styless Boutique, LLC. Art. of Org. filed with the SSNY on 2/11/2019. Office: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served.

SSNY shall mail copy of process to the LLC, 98 North Evarts Avenue, Elmsford, NY 10523.Purpose: Any lawful purpose. # 62054

FEBRUARY 18, 2019

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JOIN US IN 2019 Each year, Westfair Communications hosts these must-attend events, providing a forum for industry leaders to have innovative and thoughtprovoking dialogues while making meaningful connections.

Mark your calendar so you don’t miss out!

MARCH 5 Family-Owned Business Awards 5:30 – 7:30 p.m.

1133 Westchester Avenue, White Plains

W

APRIL 4 Women’s Wealth, Health and Wellbeing 11:30 a.m. – 1 p.m.

APRIL 9 Celebration and Launch 5:30 – 7:30 p.m.

APRIL 30 Real Estate 11:30 a.m. – 1 p.m.

MAY 9 Top Wealth Advisors 2019 5:30 – 7:30 p.m.

Fairfield County

DOCTORS of DISTINCTION 2019

MAY 23 Fairfield County Doctors of Distinction 5:30 – 7:30 p.m.

JUNE 3 40 Under 40 5:30 – 7:30 p.m.

SEPTEMBER 24 Westchester County Doctors of Distinction 5:30 – 7:30 p.m.

OCTOBER 29 Brand Building 11:30 a.m. – 1 p.m.

NOVEMBER 21 Millennial Awards 5:30 – 7:30 p.m.

For more information, visit westfaironline.com/events-2019/ For event information, contact: Tracey Vitale at tvitale@westfairinc.com.

For sponsorship inquiries, contact: Marcia Pflug at mpflug@wfpromote.com or 203-733-4545.