Westchester County Business Journal 033015

17 | ELDER CARE March 30, 2015 | VOL. 51, No. 13

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Pace competes for students with tuition breaks

BY DANIELLE BRODY dbrody@westfairinc.com

The Pace University School of Law recently announced two initiatives to make education more affordable in the coming academic year. The school in White Plains will freeze tuition and offer what it says is the nation’s first tuition matching program for out-of-state students.

The tuition matching program will allow students throughout the U.S. to attend Pace for the in-state tuition rate for public law schools in their home states. With the tuition freeze, Pace Law’s full-time tuition will remain at $45,376 next year.

“As our reputation grows we find ourselves competing with state-supported law schools that often have highly subsidized

CUSTOM CREATIONS PAGE 2

tuitions, so if we want to get the best students from around the country we have to be competitive with those schools,” said Pace Law School Dean David Yassky. “That’s why we’re telling students right off the bat, you can come to New York, get a quality legal education in the heart of the world’s legal marketplace and you can do it affordably. That’s the message to prospective students.”

Out-of-state students qualify for the matching program as long as they meet certain criteria, including a ranking in the top 50 percent of applicants, said Pace Law spokeswoman Joan Gaylord. The tuition break is renewable provided a student remains in good standing.

In-state tuition rate at public law schools across the country are substantially lower » PACE, page 6

Kara Schwartz holds the prototype of a pump in her Yorktown home office. Photo by Danielle Brody

State shuts off IDA �inancial support for nonpro�its

BY JOHN GOLDEN jgolden@westfairinc.com

A STATE OFFICE HAS ORDERED industrial development agencies to end their practice of assisting nonprofit organizations with agency money, leading Westchester County officials to explore legal options while affected nonprofits in the region search for alternate funding sources for their work with small businesses and entrepreneurs.

The Westchester County Industrial Development Agency in 2014 provided a total of

$409,000 to five nonprofits for their job creation and business support services. The largest share, $200,000, went to the Westchester Putnam Workforce Investment Board, a board of government and private-sector appointees that oversees onestop employment centers with the state Department of Labor and workforce development programs in the two counties.

To support nonprofits that assist small businesses, the county IDA last year awarded $70,000 to the Women’s Enterprise Development Center

in White Plains; $64,000 to the Procurement Technical Assistance Center program of the Rockland Economic Development Corp; $50,000 to SCORE Westchester, the county chapter of the Service Corps of Retired Executives; and $25,000 to Community Capital New York, an alternative lender based in Hawthorne.

But when leaders from those nonprofits appeared before the county IDA board in January to make their cases for renewed or increased funding from the agency in 2015, they learned that

those funds might no longer be available.

County and IDA officials had recently received a policy directive from the state Authorities Budget Office stating that an IDA “may not, under any circumstances, award grants or make loans of its own monies.” The authority to make such grants or loans is not an implied power of a public benefit corporation, and the statutory restrictions on that practice are “clear and unambiguous,” the ABO noted.

IDAs and other public » IDA, page 6

Biz

Designer creates shoe line for working women on the go

WCBJ

BY DANIELLE BRODY

®

dbrody@westfairinc.com

K

ara Schwartz went from designing knitwear as a New York City fashion executive to building a shoe line from scratch on her home kitchen counter.

After years of commuting from Westchester to the city for her fashion career, Schwartz had foot and back pain from carrying different pairs of shoes for the walk to the office, the work day and evening events. “I was just constantly schlepping them back and forth,” said Schwartz, who lives in Yorktown, where she grew up.

Schwartz graduated from the Fashion Institute of Technology with a specialty in knitting and began her career in menswear soon after. She worked with companies such as Ralph Lauren, The Apparel Group and Tricots St. Raphael. She would wear comfortable shoes to work — never sneakers, she said — and go through the day changing into different shoes that she brought with her or kept at her desk.

About four years ago, she came up with the idea to create a comfortable, quality shoe that would be suitable for multiple occasions.

She spent about two years prototyping, a process that involved molding and casting using clay, glue guns, sewing machines, mixing containers and chemicals on her kitchen counter — also known as “the lab” to her two sons — on nights after work and on weekends.

In December she launched Flop Girl, a line of shoes with interchangeable heel clips and clip-on accessories that make them wearable for different styles and occasions.

Schwartz is in the process of changing the company name to Kara Mac. Her full-time commitment to the shoe company started last year when she attended a three-day workshop with Daymond John, a fashion entrepreneur and judge on ABC’s “Shark Tank.” A week later, Schwartz received a call asking if she wanted to meet John. She stayed up until midnight in the days leading up to the meeting, hammering molds and creating a presentation in a metal suitcase that came with her husband’s barbecue set.

Last May, she met John in his office in the Empire State Building for what was booked in his busy schedule as a 45-minute meeting.

It ran an hour and a half.

“The four words that made me quit my job the next day were, ‘This can be huge,’” Schwartz said of John’s reaction to her business. She gave up a fashion executive’s salary of nearly $300,000 a year.

John’s team wrote her business plan and helped her find funding. Schwartz said cre-

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Shoe prototypes and accessories line a table in Kara Schwartz’s home office. Photo by Danielle Brody

ating the boots — and shoes and accessories — took bootstrapping. She said she drew heavily on her savings and took out an installment loan.

A few months ago, an old friend in Los Angeles invested in the company and joined as a co-founder and partner, Schwartz said.

Schwartz has patents pending for her design of the interchangeable heel system, in which horseshoe-shaped clips called “sole sisters” fit into the heels, and the accessories for the front of the shoe called “clipsters.”

She hired an engineer to turn shoe models into digitized three-dimensional images.

Schwartz said she spent about $60,000 to develop, engineer and build a rapid prototype using 3-D printing, apply for patents and set up the business structure.

For manufacturing, Schwartz worked with two agents who helped her find leather in a factory in Brazil that also produced shoes for Tory Burch and Kate Spade. The leather is high quality and is hammered so her shoes mold to women’s feet in about two hours of wear, she said. She invested an additional $35,000 in the initial production order and shipment costs from Brazil.

The three shoe types currently for sale are the “patent party,” a ballet flat with a heel, the “smokin hot slipper” and the “Betty boot.”

“I live in these,” she said, gesturing to the Betty boots she wore under cuffed jeans.

Grabbing a crystal sole sister and holding it up to her heel, she said, “This was my New Year’s.”

Accessories, which range from casual to formal, cost about $12 to $15, with the most expensive handmade jeweled clipster priced at $45.

She is prototyping a pump, a sandal with accessories that clip into the shoe’s T-strap and bridal shoes.

Schwartz said the design, production and delivery of products to customers in

her business is much faster than the fashion industry’s traditional pace. “It’s so different than the way I’ve worked my entire career.

Because we worked one year to one and a half years ahead of time to design, merchandize, style, price, sell, so on so forth.”

Doing all aspects of production is also a change for the former fashion executive. She taught herself to use Adobe Illustrator and Photoshop. “For all those years that I worked in the fashion industry, I had assistants to do all that stuff for me,” she said.

Schwartz sells directly to consumers online and on Etsy, an e-commerce site for handmade goods. She recently put some merchandise in Beehive, a designer collective boutique in Mount Kisco.

She gives other women the opportunity to host trunk shows to sell her products. She supplies the products and the women keep a portion of their sales earnings. More than 11 women have hosted parties, and more are joining, she said.

Schwartz has also sold her products at trade shows. At the Massachusetts Conference for Professional Women, she said she reached her desired audience of women who often travel for their work. “I could not run my credit card swiper fast enough,” she said.

Schwartz works from her home, which serves as her office, design lab and fulfillment center. Her inventory occupies the back half of her kids’ playroom.

Schwartz’s long-term goal is to open a store on Fifth Avenue where women and children can design and build their shoes on site. It would be like a Build-A-Bear Workshop for shoes, she said.

“They’ll come home and the dad will say, ‘Did you make a purchase?’ And they’ll go, ‘We didn’t just make a purchase, we made a memory,’” Schwartz envisioned, with a sweep of her arm.

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Surveillance law proves useful to business owners

BY COLLEEN WILSON cwilson@westfairinc.com

O

ne year ago, Tony Russo, a co-owner of Aries Fine Wine & Spirits in White Plains, said installing a surveillance camera system at his business was something he wanted to do but felt a city ordinance forcing him to do so infringed on his personal rights.

One year later — and a month after certain city businesses were supposed to have purchased and installed surveillance systems — Russo said, “Nobody likes to be forced to spend money, but when you think about it, it’s really a benefit.”

Russo said the business is still in the process of buying and installing the cameras, and thinks it will need four or five for the roughly 3,500-square foot store.

“You have to figure 500 bucks for the installation and the cost of it,” he said. “It can be a significant expense for somebody and that’s why it’s taken us some time to pick the right one.”

The law, adopted by the White Plains Commons Council, requires all stores that sell alcohol, cash checks or buy or sell precious metals, as well as pharmacies, pawn

shops and any other shop open between midnight and 4 a.m., install surveillance cameras and store videos for at least a week after recording.

The cameras must be outfitted by each

“It’s a very affordable system. They could go to any vendor that they wanted,” he said.

“Most of them have camera systems anyway.”

Kevin Nunn, executive director of the White Plains Business Improvement District,

THE WHITE PLAINS POLICE DEPARTMENT DOES NOT PLAN ON INSPECTING SHOPS THAT ARE SUPPOSED TO HAVE THE CAMERAS, BUT IF THE VIDEO IS NEEDED AND IS NOT AVAILABLE, STORE OWNERS WHO HAVEN’T PROPERLY INSTALLED THE EQUIPMENT COULD BE SUBJECT TO $250-A-DAY FINES AND UP TO 15 DAYS IN JAIL.

entrance or exit regularly used by customers or employees. They must film during business hours and two hours after closing, and should be able to have a clear focus on an individual’s face who enters or exits the facility within about 15 feet of the doors, the law says.

White Plains Commissioner of Public Safety David E. Chong said his department received little pushback from business owners.

also said he had not heard any grumblings from businesses after the bill passed.

“There were a couple of businesses, primarily because of costs, that had concerns” about the ordinance, Nunn said. But for an organization that usually supports less regulation, Nunn said, this was an instance where you “might overcome your natural instinct as a business organization.”

Russo said he hoped the cameras would help him catch people using fraudulent cred-

it cards at his shop.

“If they go in and use a stolen credit card to buy product, it’s like that product is money,” he said. “So the cameras are quite a good idea.”

Gene Mjeshtri, the manager at USA Service Pro Auto Shop on Mamaroneck Avenue, said he was relieved he had installed cameras at his service station after his business was robbed of about $90,000 recently.

“Without the cameras I don’t think we were going to get anything,” Mjeshtri said, adding that the business installed the surveillance equipment about five years ago.

White Plains police arrested a Mount Vernon man in the robbery and charged him with grand larceny.

The arrest, Chong said, was “strictly due to us being able to retrieve video and releasing it to the mass media. We were flooded with phone calls and tips.”

The White Plains police department does not plan on inspecting shops that are supposed to have the cameras, but if the video is needed and is not available, store owners who haven’t properly installed the equipment could be subject to $250-a-day fines and up to 15 days in jail.

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Bramson spotlights downtown development Concrete in State of the City address plants return

BY DANIELLE BRODY dbrody@westfairinc.com

N

ew Rochelle Mayor Noam Bramson focused on the importance of revitalizing the city’s downtown to improve the economy in his annual State of the City address March 24. He said the city is in a good position for development.

“We have a better opportunity right now than at any other moment in our lives,” Bramson said, “Years of preparation have brought us to the cusp of something special.”

Bramson delivered the annual speech at the Davenport Club in New Rochelle. The Democrat has been mayor since 2006.

Bramson said that while the downtown has made progress with new housing, entertainment and dining, not enough has been done.

“Those good things together have not yet achieved the critical mass that makes a place as a whole ignite,” Bramson said. “The trend lines are all moving in the right direction; they just haven’t moved far enough.”

Last year, the more than 300-year-old city hired a branding firm to issue a survey to residents about the strengths and weak-

nesses of the city and help spur economic growth through marketing. Bramson said the responses from more than a thousand residents revealed a communitywide “inferiority complex,” which he attributed to the state of the downtown.

The health of the downtown is linked to the city’s tax base, property values and access to jobs, Bramson said, adding that CEOs want to move their offices to places they know their employees would like to live. With the fierce competition for talented younger professionals, Bramson said he wants to make the city more desirable for that generation of workers.

In December, the city entered into an agreement with real estate partnership RDRXR to develop and redevelop the downtown with residential, retail, commercial and public spaces. Bramson said the developers aim to make the process transparent with “crowdsourced placemaking,” a community outreach process that will include traditional presentations, meet-ups and social media. The process begins April 1. Community members can register on crowdsourcenr.com or visit local offices to give their opinions.

Bramson said New Rochelle has the ability to “race forward” because of a good national and regional economy, a good plan and good leadership.

“When I talk about leadership, I am not referring to one mayor or six council members, I am talking about leadership from all of us,” Bramson said.

Bramson also touted some of the city’s recent accomplishments, including the lowest crime rate in more than 50 years, the fourth-lowest city property tax rate in New York state and the highest volume of local sales in New Rochelle’s history. He also described ongoing initiatives to promote the arts, encourage energy efficiency, improve local parks and help youths prepare for school and work.

“If we get this right, if we take advantage of the good economy, execute a good plan, show ourselves to be good leaders, and give everyone from the biggest fan to the biggest skeptic a good reason to feel that their investment in this city is paid back in full, then it’s not just our bank accounts and budgets that will be enriched by the right kind of development — it’s our city’s soul,” Bramson said.

to TZB site

C

oncrete pouring devices used for the Tappan Zee Bridge replacement project returned to the construction site recently after part of one collapsed in December and temporarily halted concrete production.

Tappan Zee Constructors LLC, the joint venture that has designed and run the project that is estimated to cost $3.9 billion, announced on Friday that two concrete pouring batch plants passed a required test that has allowed them to return to work.

A silo, which is used to hold the stonesand concrete mix, fell onto two nearby silos sitting on floating plants on the Hudson River about three months ago.

Tappan Zee Constructors also announced that work recently resumed on reinforcing steel in the main span of the bridge following the two-month winter shutdown.

— Colleen Wilson

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PACE — From page 1

than Pace’s, according to a press release from the university. This year’s tuition at the University of Arkansas Law School is $14,508. In-state resident tuition rates for public law schools in Florida, Texas and Massachusetts are $22,230, $33,162 and $18,402, respectively. The program could save out-of- state students tens of thousands of dollars on their legal education, according to Pace.

Yassky said since the recession, applications to law schools have decreased by half because students are concerned about the affordability of education and debt.

At Pace, application numbers decreased by more than 50 percent from 2011 to 2014, according to information the school submitted to the American Bar Association.

Enrollment numbers stayed steady from 2005 to 2011, at around 750 students each year. By 2014, however, enrollment had declined to 507 students.

Yassky, who joined Pace Law School as dean last spring, said the school looks at its tuition strategy on an ongoing basis. The new program is an effort to get quality students from across the country. Most of the student body is from New York, he said. The vast majority of students in recent entering classes were residents from New York, New Jersey and Pennsylvania.

Pace has responded to the recession by increasing its financial aid budget in the past few years, Yassky said.

“We are already devoting a pretty healthy budget to financial aid for students and what this does is just make it clear to students from around the country that we will compete for the best students with the low tuition of subsidized schools,” he said.

Yassky said the need for legal service is growing with regulations becoming a part of economic life. He said in a couple of years, there will not be enough lawyers to meet the demand. Pace is trying to do its part, he said.

Eric T. Schneiderman at the request of the Authorities Budget Office director.

Schneiderman was responding to the ABO’s concern that IDAs often use revenues to support civic, charitable or educational causes unrelated to their public mission or to provide seed money for loan programs managed by other public entities. The attorney general concluded that an IDA may not provide grants or loans from its revenues to

public or private interests.

“In terms of the nonprofit world, there are very few agencies being impacted” by the loss of IDA funding, said Anne Janiak, executive director of the Women’s Enterprise Development Center. At WEDC, the IDA’s $70,000 in annual funding supported entrepreneurship training sessions conducted in both English and Spanish, seminars and one-on-one counseling sessions for women owning or starting businesses, according to the IDA annual report.

Operating on a $900,000 budget in 2014, which included an approximately $244,000 federal grant, WEDC stood to be less affected by the change in practice than other IDA-funded agencies.

“IDAs have been under scrutiny for a while” by the state, Janiak said. “You can understand why this opinion came down.

It’s more in line with transparency, good government, the way things should operate — even though it’s disappointing. I understand the rationale behind it even if it affects us directly.”

Janiak said WEDC officials will be “knocking on a lot of doors” to replace the IDA funds. “Where there’s a will, there’s a way,” she said.

At the regional Procurement Technical Assistance Center in Pearl River, program manager Liz Kallen in February said the center’s program in Westchester to assist and train business clients in obtaining government contracts for their companies could end for 2015 without the $64,000 contribution from the county IDA. PTAC clients in Westchester County reported contract awards that totaled approximately $41.5 million in federal fiscal year 2014, she said.

Kallen said the absence of the PTAC program in Westchester would be “a tremendous loss” to the county’s economic development efforts and could have a long-term effect on small businesses in the county.

At SCORE Westchester, the annual financial contribution from the county

IDA has largely comprised the all-volunteer nonprofit’s entire operating budget. “It definitely would have a huge impact on us,” said Natasha Roukos, a retired IBM Corp. executive who serves as chairman of the approximately 40-member SCORE chapter.

Roukos said the annual award is used to maintain the SCORE website and publish printed materials to attract people to its free workshops for small businesses.

After sending out its online newsletter, “We have anywhere from 10 to 30 registrations for our workshops,” he said. Roukos said those attendance numbers likely will drop if SCORE can no longer afford to promote its sessions.

The chairman said contributions to SCORE from other organizations have ranged from $1,000 to $3,000. “It will take a lot more of those to make up for the IDA,” she said.

“We’re pursuing other funding sources but we have no commitments,” Roukos said.

Westchester Deputy County Executive Kevin J. Plunkett, who also serves as vice chairman of the county IDA board, said the IDA’s attorney found that the Authorities Budget Office directive “is pretty clear” in prohibiting the IDA from continuing its support of nonprofits. County Executive Robert P. Astorino has asked that the IDA attorney explore whether its authorizing state legislation can be amended to expressly allow the suspended donations, Plunkett said.

Plunkett said Astorino also has asked the attorney for the county Local Development Corp. to explore changing the county statute that established the agency so as to shift financial support of nonprofits from the IDA to the LDC, “to the extent that it has the funding to do that.” The 2-yearold LDC currently does not have sufficient revenue for that, he said.

“We hope that our lawyers from the LDC and the IDA can come up with a way to get this thing done,” Plunkett said.

IDA — From page 1

authorities were directed to immediately end their financial support to public or private entities unless that power is specifically permitted in the legislation that created them.

The January directive from Albany followed a legal opinion on the powers of an industrial development agency issued in September by state Attorney General

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March 30, 2015

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BY ROGER R. YERGEAU

M

Save on taxes with charitable planning

ost of us are now concerned about having our 2014 income taxes prepared by April 15. As you prepare to file, it might be the time to reduce your 2015 tax burden with the use of charitable planning.

Taxpayers now have had two full tax years under the American Taxpayer Relief Act of 2012. Different groups have seen different effects on their income tax burden under the 2012 law. The tax act change implemented higher income tax rates for upper-income taxpayers and modest changes for itemized deductions. Charitable gifts deductions were not changed, leading upper-income taxpayers and their advisers to recognize the need to reduce income taxes through the use of prudent charitable planning.

Charitable planning can help relieve some of the burden placed on the taxpayer due to the following: • Income taxes. Upper-income taxpayers have seen their top tax bracket raised to 39.6 percent. Should an upper income taxpayer have passive income, the Medicare

tax of 3.8 percent will be added, making the top federal tax bracket 43.4 percent.

• Capital gains tax. Currently there are three capital tax rates: 0 percent for low-income taxpayers, 15 percent for midlevel taxpayers and 20 percent for top-tier taxpayers. The Medicare tax of 3.8 percent is added to the applicable tax rate, thus raising the top capital gains rate to 23.8 percent.

The taxpayer who has significant capital gains is also likely to be in the top income tax bracket.

• Appreciated property. Many taxpayers have appreciated property and are reluctant to sell when they would have to pay top capital gains tax rates. Last year, home prices increased by 11 percent and the Dow Jones industrial average reached 18,000. With the large tax burden, taxpayers may feel they are locked in with the appreciated assets.

TAX STRATEGIES FOR 2015 For the past several years, Congress has extended the option for IRA owners older than age 70½ to give up to $100,000

J O I N US AT

V N S W E S T CH E S T E R ’ S

TUESDAY, MAY 12, 2015 5:30 – 8:30 pm Willow Ridge Country Club 123 North Street Harrison, NY MASTER OF CEREMONIES

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For information on Sponsorships, Silent Auction Contributions, Journal Ads and Tickets, email Joyce Infante at jinfante@vns.org or visit www.vns.org/donate/order-spring-gala-tickets

to a charity through an IRA custodian-tocharity transfer. The latest extension ended on Dec. 31.

Congress at the last minute last year almost passed the Supporting America’s Charity Act. This act would have permanently extended the IRA charitable rollover and even expanded limits for conservation gifts and gifts of wholesome foods. There was strong bipartisan support for the bill but it failed to pass due to Congressional procedural rules.

Watch for possible passage of this bill in 2015 or another annual extension. If extended, it gives taxpayers a couple of different forms of income tax relief. Since the IRA rollover is direct from the IRA custodian to the charity, this will not be included in the taxpayer’s taxable income.

The alternative minimum tax exemption is being phased out for higher-income taxpayers. Thus, the use of an IRA rollover prevents these funds from being subject not only to income taxes but to the alternative minimum tax. Not having to add the minimum required distribution to one’s

income through the use of the IRA charitable rollover will substantially lower the tax burden for many taxpayers.

Another thing to consider is that gifts of appreciated property or stocks bypass capital gains and are deducted based on the assets’ fair market value. The taxpayer should keep in mind the 30 percent limit of adjusted gross income when making gifts of appreciated assets.

Once a taxpayer has used 30 percent of adjusted gross income in gifts of appreciated assets, he may want to consider using cash gifts of up to 20 percent of adjusted gross income. The combination of 20 percent of AGI (cash gifts) and 30 percent of AGI (appreciated property) will give taxpayers in the upper brackets the maximum income tax savings of 50 percent.

Roger R. Yergeau is a retired principal partner of Agent Support Group, a life insurance brokerage in Elmsford. He is the volunteer director of planned giving for the Open Door Foundation Inc. in Ossining. He can be reached at ryergeau@odfmc.org.

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INBRIEF MALL OPERATOR RAISES OFFER TO TAKE OVER RIVAL The Macerich Co. board of directors is reviewing a new offer by its shopping mall competitor, Simon Property Group, to acquire the company at a share price that is $4.50 higher than Simon’s unsolicited bid rejected recently by Macerich directors.

Simon on March 20 made what the Indianapolis-based mall owner and operator called its best and final offer of $95.50 per share of Macerich stock, with half payable in cash and half in shares of Simon common stock. The new offer raises the total value of the proposed acquisition to $23.2 billion,

according to Simon, from the $22.4 billion offer that the Macerich board unanimously rejected on March 17, saying it substantially undervalued the company.

Macerich directors said Simon’s purchase in November of 5.71 million shares of Macerich stock, amounting to a 3.6 percent interest in the company, and Simon’s intent to sell selected Macerich assets to General Growth Properties Inc., a Chicagobased real estate investment trust, was “stockholder-unfriendly” and raised serious legal questions that could scuttle any deal.

The Macerich board adopted governance changes designed to thwart “coercive takeover attempts.”

Based in Santa Monica, Calif., Macerich, a real estate investment trust listed on the New York Stock Exchange, operates the renovated Cross County Shopping Center in Yonkers for

its owner, Brooks Shopping Centers LLC, and owns and operates Danbury Fair, the second-largest shopping mall in Connecticut.

A major mall owner in the lower Hudson Valley, Simon Property Group operates The Galleria at White Plains and The Westchester mall in White Plains, Jefferson Valley Mall in Yorktown Heights, The Shops at Nanuet in Rockland County and Woodbury Common Premium Outlets in Central Valley in Orange County.

When announcing his company’s new purchase offer, David Simon, chairman and CEO of Simon Property Group, called Macerich’s adopted measures to prevent a takeover both “extreme” and “disappointing.” He restated his company’s desire to work with Macerich on a mutually beneficial agreement and avoid “a protracted, multiyear proxy battle.” Simon said the company

believes there are no legal or other impediments to closing the deal.

As of press time, the Macerich board said it is reviewing the revised offer with financial and legal advisers.

CUOMO LOOKS TO INCENTIVIZE BROADBAND UPGRADES Gov. Andrew M. Cuomo recently launched a campaign pushing his $500 million proposal to bring high-speed Internet access to all New Yorkers by the end of 2018.

The program proposed by the governor would use $500 million from bank settlements to incentivize private companies to bring high-speed broadband to unserved areas and expand access in underserved areas. The governor’s office said broadband providers will contribute, on average, at least 50 percent of the capital needed, pushing the size of the program past $1 billion.

Broadband, with a standard download speed set by the Federal Communications Commission at 25 megabits per second, is not available to more than 25 percent of the state’s population, according to a statement released by Cuomo’s office. And more than half of the population in 46 of New York’s 62 counties, including Sullivan and Ulster counties in the mid-Hudson Valley region, did not have access to broadband as of July.

Under the governor’s plan, Internet companies would have to provide speeds of at least 100 megabits per second, with limited exceptions in which 25 Mbps rates would be allowed.

The Cuomo administration is also charging the state’s Regional Economic Development Councils with providing comprehensive plans that identify the most needy areas and cost-effective ways to deliver access to broadband.

STERLING NATIONAL BANK PARTNERS WITH AMERIPRISE Montebello-based Sterling National Bank and Ameriprise Financial Inc. recently announced their launch of a program that will provide Sterling clients with investment and financial planning services from the wealth management teams at Ameriprise.

Sterling clients have access to these services immediately.

“This new program will allow us to expand the range of financial advisory services and investment options we can provide to our clients,” said Jack Kopnisky, president and CEO of Sterling National Bank, in a statement. “The wealth management expertise that Ameriprise brings to the table is very complimentary with existing offerings and the profile of our client base. They also share with us a deep understanding of our market and a commitment to high-touch, personalized service.”

Sterling National Bank, the principal subsidiary of Sterling Bancorp, in November announced plans to buy Yonkers-based

8

March 30, 2015

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Hudson Valley Holding Corp., the holding company for Hudson Valley Bank. Hudson Valley Bank has 17 branches in Westchester County, including five in Yonkers, while Sterling National Bank has 26 branches in New York and New Jersey.

VILLAGE OF OSSINING LAUNCHES CIVIC ENGAGEMENT WEBSITE

Village of Ossining officials are seeking ideas and feedback from residents on the redevelopment of the village’s downtown Market Square area on a newly launched website operated by a Kansas City company that works with municipalities to engage citizens interactively in community initiatives.

The website, “Village of Ossining — Become Part of the Conversation,” is at villageofossining.mindmixer.com. Village officials in a press release said it allows citizens to communicate and collaborate with community decisionmakers and other residents on a variety of topics and initiatives. Feedback from the site will be used by village trustees in planning the village’s future, they said.

With the launch, the village board is seeking input on the redevelopment of Market Square and existing parking lots at the intersection of Main and Spring streets.

Ossining Mayor Victoria Gearity called the central downtown project “the key to growing our vibrant local economy.”

Over the next three months the village will post questions covering all aspects of the redevelopment, including buildings, architecture, site elements, amenities and uses.

“We set a goal for 2015 to engage the public on what Ossining wants to see happen at the heart of our downtown,” Gearity said in the announcement. “My colleagues and I on the board of trustees are excited that this new online platform enables us to hear from the community in a quantitative way.”

Operated by Mind Mixer, a 5-year-old technology company in Kansas City, Mo., that provides governments, schools and organizations with an online platform for civic engagement, the Ossining website measures and tracks participation, identifying the most interested citizens and most compelling topics. MindMixer’s tools will also allow the village to communicate back with citizens throughout the planning process.

ments and liens, on its website.

Marcotte, R-Eastchester, New Rochelle and Tuckahoe, proposed combining the databases on one Web page so homeowners can find a contractor and easily check if the contractor has any liens or judgements against them. She said easier access to online information will help people protect themselves.

Marcotte, who chairs the Board of Legislators’ Budget and Appropriations Committee, said on average, homeowners will spend about $3,000 on home improvements every year.

“ThePerez best advice for anyone considering TWB a WCBJ home improvement job and considering 7.375” h the hiringwofx a7.125” contractor is do your home2/24/15 work, ask for references, don’t pay cash and get a written contract,” Marcotte said in a statement. “Too often, and as we know, this is not the case, and when someone can finally figure out that they have been scammed ... it is too late.”

Marcotte’s proposal has been sent to the Board of Legislators’ legislation and infrastructure committees for review.

His recommendations included hiring trusted security professionals, keeping systems patched and updated, and limiting access to your business’ financial systems.

Among the most noteworthy suggestions was that companies should buy a separate laptop solely for business transactions and use an Ethernet connection rather than Wi-Fi. Stender said the laptop should be shut down and completely unplugged when company business is not being conducted.

Stender was joined by a panel including Miranda Alfonso-Williams, principal consultant for WAM Consulting Group, Darren Hayes, a professor and director of cybersecurity at Pace University, and Sean Murray, assistant vice president at Chubb Specialty Insurance.

The event was supported by Mercy College and sponsored by M&T Bank, Meridian Risk Management and Tompkins Mahopac Bank.

— John Golden, Colleen Wilson and Danielle Brody

CYBERSECURITY PANEL EDUCATES SMALL-BUSINESS OWNERS ON RISK The Westchester County Association hosted an event for its members and other attendees March 19 about the dangers of cyber vulnerability and how businesses can be proactive against data breaches.

“It’s not so much about their corporation initially,” David W. Stender, the keynote speaker, said, but first “about them protecting their own information.”

Stender, whose background includes the role of associate chief information officer for cybersecurity at the IRS, provided general tips to business owners on how they can protect themselves and their companies.

“The biggest challenge is they don’t have the expertise to properly deal with (cybersecurity),” Stender said.

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arl R. Rábago, executive director of the Pace Energy and Climate Center, said it was shortly after a meeting about a year ago that he was “fresh in the middle of a conversation” about the Northeast solar market being “disparate” and “inefficient” that he got a group together to apply for federal funding to better connect the solar communities in different states.

In January, the group, Northeast Solar Energy Market Coalition, was approved and awarded a $600,000 cooperative agreement for three years from the U.S. Department of Energy.

The coalition combines nine state solar industry associations and representatives from Pennsylvania to Maine, including SolarConnecticut and the New York Solar Energy Industry Association, and two participating universities, Pace University and the State University of New York at Albany.

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The coalition’s plan, said Rábago, who is co-leading the program, is to “be the voice for solar in the Northeast” by learning the market landscape, identifying best practices and communicating with regulators, stakeholders and other Northeast associations.

“The state-by-state (market) is already well-established and well served by state

groups,” Rabago said. “But it ends up with the political borders being the business borders and that’s a limit to growth and it’s a limit to efficiency.”

Rábago summed up the Energy Department’s involvement as an opportunity to lift the attention from “state-level grindstones” and “maximiz(e) the solar markets in other states.”

Fifty artists chosen for awards

F

irst Niagara Bank honored the 50th anniversary of ArtsWestchester with a $50,000 donation at a March 24 ceremony at which the White Plains organization’s “50 for 50” awards to area artists were announced.

ArtsWestchester officials said the Buffalo-based bank’s contribution will help underwrite the nonprofit’s anniversary initiatives this year, including the countywide ARTSEE Festival of New Work, its artist-inresidency programs and its effort to create more than 50 new arts and business partnerships.

“Improving the quality of life in the communities we serve is at the heart of our philanthropic mission,” said Robert Cerminaro, senior vice president and tristate market executive at First Niagara, “and we believe in the cultural value that ArtsWestchester and its outstanding programs bring to our community.”

The 50 artists were selected through a competitive nomination process for the quality of their artistic work and their cultural contributions to the community.

All reside or work in Westchester County.

They will receive $1,000 prizes at an ArtsWestchester luncheon April 16.

“Working artists are the lifeblood of a creative community and we believe it’s important to honor them and recognize their contributions,” said Janet Langsam, CEO of ArtsWestchester.

Here is a list of winners by their artistic disciplines: Choreographers: Sidra Bell, White Plains; David Neumann, Thornwood; Nalini Rau, Yorktown Heights; Maxine Sherman, Bronxville; Bettijane Sills, White Plains;

Rebeca Tomas, Sleepy Hollow; Eduardo Vilaro, Ardsley-on-Hudson.

Composers: Tim Armacost, Hastingson-Hudson; Derek Bermel, Brooklyn; Hayes Biggs, Bronxville; Chester Biscardi, Bronxville; K.J. Denhert, Ossining; Laura Kaminsky, Bronx; Bruce Odland, Croton-onHudson; Michael Shapiro, Chappaqua.

Filmmakers: Michael Levi Harris, New York; Dave Steck, Yonkers; Andrew Young and Susan Todd, Croton-on-Hudson; Chris Wedge, Katonah.

Performance artist: Marcy B. Freedman, Croton-on-Hudson.

Playwright: Howard Meyer, Poughkeepsie.

Poets: Suzanne Cleary, Peekskill; Marie Howe, Bronxville.

Visual artists: Nancy Bowen, Purchase; Andrew Courtney, Croton-on-Hudson; Susan Cox, Pound Ridge; Thomas Doyle, Mount Kisco; Richard Haas, Yonkers; Carla Rae Johnson, Peekskill; Martin Kruck, New Rochelle; Malcolm McDougall III, Dobbs Ferry; John Maggiotto, Hastings-onHudson; Bibiana Huang Matheis, Pawling; Creighton Michael, Mount Kisco; Jill Parry, Mamaroneck; Jerry Pinkney, Croton-onHudson; Lise Prown, Peekskill; Marilyn Richeda, South Salem; Christopher Robbins, Bedford; Dyan Rosenberg, North Salem; Marisa Scheinfeld, Waccabuc; Peri Schwartz, New Rochelle; Barbara Segal, Yonkers; Peter Sis, Irvington; Neil Waldman, White Plains; Antoinette Wysocki, Pleasantville; Ed Young, Hastings-on-Hudson; Luca Zordan, Hastings-on-Hudson.

Writers: Karen Engelmann, Dobbs Ferry; Brian Morton, Bronxville.

— John Golden

ASK ANDI

BY ANDI GRAY

Don’t hope for the best; plan for it customers? Forget it. Requests for things that are so out of the box they’re unlikely to generate any profit? Send the lead to some other firm to waste their time and energy.

That’s what you get to do when you have more leads than you need to meet the year’s goals.

Looking for a good book? Try “Sales and Market Forecasting for Entrepreneurs”

by Tim Berry.

Andi Gray is president of Strategy Leaders Inc., strategyleaders.com, a business-consulting firm that specializes in helping entrepreneurial firms grow. She can be reached by phone at 877-238-3535.

Do you have a question for Andi? Send it via email to AskAndi@strategyleaders.

Visit AskAndi.com for an entire library of Ask Andi articles.

PCSB Customers Diane Farrell and Ed Galligan Owners of Carmel Flower Shop

C NAM OUNT UT

Y

THOUGHTS OF THE DAY: A robust sales function is essential to the growth and development of every company. Not everything you expect to sell will close; that’s where probabilities come into play. Figuring out how to focus on the likely closers, instead of wasting time on the sexy ones, will help everyone feel more successful. It’s a matter of dividing the sales job into smaller buckets and then tackling each one separately.

Having more than enough possibilities allows your company to choose the best.

How do you know if you have a robust enough sales operation going? You collect information about all the prospects everyone is talking to, including the stage of sales they are at (introduction, qualification, proposal, negotiation or closing) and the size of the potential project(s) being proposed.

You track progress, building that prospect list and moving prospects through the sales cue.

Each sales stage has its own discrete probability, based on history. For example, of all the prospects you’re introduced to, you may close only one in 10, giving the introduction stage a 10 percent probability.

If you close one proposal for every three that get sent out, that gives the proposal stage a 33 percent probability. The negotiation stage may have a 50 percent probability if you find your company is closing one of every two prospects that get to final negotiations. If you find that not all clients actually implement, use the closing bucket to account for those losses. For example, let’s say there’s a 10 percent fall-off once clients agree to come on board; that closing stage has a 90 percent probability.

Put all of your prospects into one spreadsheet. Ask people to estimate the size of each job or client. If a client has multiple opportunities, list each one separately. Put a date on expected date to close. Compare the stage of the sale to the closing date, and don’t be afraid to challenge what’s there.

For example, if the prospect is listed in the

introduction stage, and the close date is next week, the forecasted closing date may be overly optimistic. If the person charged with selling to the prospect only lists a few big opportunities, when they typically close lots of smaller ones, find out why there isn’t much listed and why the size of the prospects listed is so much large than what your salesperson typically works on.

Challenge everyone in sales to describe what it will take to move prospects through the funnel of sales activities, from intro to close. Keep track of prospects that seem to have stalled and discuss what else can be done to move them along. Look for patterns — what closes, what doesn’t. Develop qualifying questions to help salespeople home in on the “best fit” prospects.

Practice, practice, practice. The more you and your sales team work with a forecast and talk about the gaps, the better you will all get at determining what’s likely to happen and what’s “pie in the sky.”

Break down the big task of forecasting what kind of revenue will come in this year.

Work by category. Answer these questions to appropriately focus the sales effort. What kind of rollover already is on the books?

What additional business will come from existing customers? How many new customers need to be found? What size? By when?

Don’t expect to be 100 percent correct with the forecast. Know how many sales are needed to hit this year’s goals for profit and growth. Use the forecast to get into the ballpark of what’s likely. Figure out early on in the year if you need to beef up sales efforts or can make do with what you have.

Trust your gut. If the forecast feels right, keep on planning. If something feels off, go back and look at the details until you fix your gut or figure out the problem.

Also look at history. If you traditionally close most of your business in the first quarter, but the forecast is pointing toward big third and fourth quarters, consider moving the closing dates out.

Add on 30 to 90 days or more to allow time from close to collecting your money.

Once things do close, get invoices out immediately. Call to verify invoices have been received and approved and ask for a date when invoices will be paid. Add that on to the back end of your forecast so you have some idea of how funds will flow.

Gear your business to have more sales than it could possible make use of. That gives everyone in the organization the luxury of turning away less-than-perfect opportunities. Low margin bids? Turn them down. Unrealistic demands from potential

P

We’re trying to figure out what we can count on for sales this year. We’re struggling with optimistic estimates and timing. People get excited when they talk to new prospects, and we’ve lost our share of “sure winners” we were certain we’d get. How can we plan for growth under these circumstances?

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BY JULIE LUSTHAUS

What you need to know about franchising your business

I

f you are a successful business owner, franchising may be an attractive method to take your growing business — and profit margins — to the next level. Indeed, development of a franchise system can be a great way to help your business continue its success on a larger scale. With franchising, the brand grows but the unit investment and unit management costs are incurred by independent franchisees.

People often think “burgers and fries” when thinking about business systems that are franchised. However, the world of franchising is quite diverse, and business systems in many different industries are developed through franchising. In addition to restaurants, other sectors include retail, hospitality, real estate, optical, recreation, business services, child care and home improvement services.

Generally, franchises fall into two categories. They either operate in the retail sector or in any of the service industries.

For retail franchises, franchisors may offer anything from full store franchises to kiosk franchises to store-in-a-store franchises that offer all product lines, one product line or a combination of the product lines. Similarly, for service franchises, franchisees can offer a full assortment of services, one specific service or a combination of services. The types of franchises that may be offered are varied, each as unique as the particular business model developed by the franchisor.

The concept Franchising is a method of expanding your business by licensing your trademark and business system to a franchisee who pays you a fee for the right to operate a franchise using your business system and your trademark. The franchisee will conduct its business operations in accordance with standards and specifications you establish.

Along with granting the right to use the franchisor’s trademark and business system, franchisors will typically provide franchisees with preopening training, post-opening training and overall support.

The advantages Because franchisees incur the costs of opening their own unit, franchising will allow you to expand your business without expending significant capital per unit.

Keeping your costs low per each unit reduces your risk while increasing the overall return on your investment.

Franchising also allows you to grow your business on a much faster level than you

12

March 30, 2015

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Julie Lusthaus

would generally be able to do on your own.

Additionally, not having to manage each unit on a day-to-day basis will allow you to devote more time to developing your brand and strengthening its presence in the marketplace.

Many other advantages exist, including reducing your exposure to risks relating to signing leases, additional financing and vicarious liability for acts of employees.

Deciding to franchise The following are some of the questions you should think about to help you determine whether you can franchise your business: • Do you have a proven business concept?

Potential franchisees want to know that your franchise business concept has proven to be successful. Success can be measured in many different ways, including the profitability of your business, the number of years you have operated your business, the number of units you have operated, the size of your operation and the strength and awareness of your brand.

• Do you have a strong brand?

Other than the value of the knowledge of how to operate your business, much of the value associated with purchasing a franchise is attributed to the strength of the brand. Is your brand known?

• Can you teach others how to operate your business?

One of the keys to franchising is teaching franchisees how to duplicate the way you operate your business. The easier it is to teach your proven business methods to a Franchising, page 13

T

Dyson Foundation announces CEO transition

he Dyson Foundation in Millbrook announced March 19 that Diana M. Gurieva in June will step down as president of the mid-Hudson Valley charitable organization after 24 years as its dayto-day leader.

Andrea L. Reynolds, president and CEO of the Community Foundations of the Hudson Valley, will succeed her as president of the private, grant-making foundation. Dyson Foundation officials said Gurieva will continue to serve as an adviser after the transition.

“I am profoundly grateful to Diana Gurieva for so faithfully representing my family’s charitable interests over the last 24 years,” said Robert R. Dyson, chairman of the 58-year-old foundation, in the announcement. “Equally important, Diana has served the people of the Hudson Valley just as faithfully. Her tireless efforts have literally helped hundreds of thousands of people. Her legacy is well established and greatly appreciated.”

Reynolds has led the Community Foundations of the Hudson Valley since

2005, when it was called the Community Foundation of Dutchess County. The foundation grew to include Ulster and Putnam counties, becoming the Community Foundations of the Hudson Valley, and increased its total assets from $22 million to $51 million.

Reynolds manages a six-person staff and oversees more than 530 charitable funds with annual grants of $3.2 million.

Nancy Rossi Brownell, chairperson of the community foundation in Poughkeepsie, in the announcement said Reynolds over the

last decade “has taken our philanthropic institution to new heights. We will miss her terribly but understand that this is a fantastic opportunity that she could not pass up. We wish her well and look forward to working with her in the future.”

Reynolds previously worked at the Community Foundation of Greater Memphis for 10 years, rising to positions as executive vice president and chief operating officer of the then $250 million organization.

— John Golden

Franchising — From page 12

franchisee, the quicker it is for that franchisee to be up and running, and the likelier that franchisee will be able to duplicate the success of your business.

• Does your business have regional, national and/or international appeal?

The more marketable your franchise system is across various geographic areas, the greater the chance of success for your franchise system. Some franchise concepts do not work in certain geographic areas as well as in others. It is important to understand how marketable your franchise concept is and what geographic areas your franchise concept would appeal to. This market analysis would help you maximize the potential of your franchise system in those geographic areas that your franchise would operate in.

What you need to know Before a franchisor is legally permitted to sell a franchise, the franchisor must comply with certain rules promulgated by the Federal Trade Commission and/or statutes enacted by the state the franchisor is selling from or the state the franchisor is selling into. The purpose of these is to require the franchisor to provide the potential franchisee with information for the franchisee to use to make an informed decision as to whether to purchase the franchise.

This information is contained in a Franchise Disclosure Document. Some states, such as New York, require franchisors to register their disclosure documents with the state before offering franchises for sale.

If you are considering franchising your business, be sure to speak with your professional advisers such as a franchise attorney and your accountant before taking any steps to franchise your business.

Attorney Julie Lusthaus is a partner in the firm of Einbinder & Dunn LLP, with offices in White Plains and Manhattan. She focuses her practice in the area of business and franchise law. She can be reached by phone at 914-6648040 or by email at jcl@ed-lawfirm.com.

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13

THELIST: HOME BUILDERS

WESTCHESTER COUNTY

HOMEBUILDERS

WESTCHESTER COUNTY

Ranked by largest home; listed alphabetically in the event of a tie.

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

Top local executive(s) Title Year company established

1

Robertson Contracting

Bryan Robertson Founder 1989

40,000

5

2

Brenner Builders

Kevin Brenner President NA

27,000

NA

Luxury, custom homebuilding

3

Legacy Construction Northeast LLC

Christopher Yaroscak, Tom Yaroscak, Nicole Riess, Joe Luppino Founders 2005

12,000

NA

Custom homebuilding, renovations and remodeling

Murphy Brothers Contracting

Christopher Murphy, Sean Murphy Partners 1979

12,000

4

Custom homebuilder, whole-home renovations, distinctive club renovations and equestrian facilities

Sunrise Building & Remodeling Inc.

Eric Messer Owner 1986

10,000

60

Home remodeling and building

JBC Development LLC *

Barry Cohen Managing member 1997

6,500

NA

Land and residential developments and custom homebuilding

Peak Construction

Bill Metzger President and owner 1994

6,500

NA

Additions, remodeling, new home construction, roofing, siding, home restoration

The Ruby Group

Pete Berman CEO 2002

5,250

8

Developer, construction manager, builder and design/build

Habitat for Humanity of Westchester

Jim Killoran CEO and executive director 1988

4,400

NA

Homebuilding projects in partnership with families in need

Empire State Builders

Thomas Christensen CEO 1985

4,000

NA

Framing foundations, roofing, siding, windows, doors, decks, kitchens, baths, masonry, carpentry, gutters, basements, additions, extensions

The Blair Interiors Group Ltd.

Linda Blair President 1995

3,000

NA

Additions, design-build, interior design and decorating

Greg Fillippone 1992

NA

NA

Renovations, new construction, kitchens and bathrooms

L.B. General Construction Inc.

Louis Bujaj Owner and general contractor 2004

NA

NA

Interior restoration and renovation, custom built homes and residential remodeling

Noble Construction Management

Bernie Kuehl and Brian Hauck Owners WND

NA

NA

Construction, contracting, custom homes and renovations

46 Plainfield Ave., Bedford Hills 10507 666-0152 • robertsoncontracting.com

362 Adams St., Bedford Hills 10507 242-4707 • brennerbuilders.com

4 MacDonald Ave., Armonk 10504 273-4511 • legacydevelopmentllc.com

416 Waverly Ave., Mamaroneck 10543 424-3422 • murphybrothers.com

4

510 N. State Road, Briarcliff Manor 10510 762-8453 • sunrisebuilding.com

5

Pound Ridge 10576 764-0152 • jbcdevelopers.com

282 Katonah Ave., Suite 168, Katonah 10536 277-7300 • peakconstruction.biz

6

330 Route 17A, Goshen 10924 845-651-3800 • rubygrp.com

7

524 Main St., New Rochelle 10801 636-8335 • habitatwc.org

White Plains Mall, 200 Hamilton Ave., White Plains 10601 682-0003 • empirestatebuilders.com

9

1 Chase Road, Scarsdale 10583 472-8159 • blairinteriorsgroup.com

Not Ranked

8

A.F. & Sons Inc.

529 Central Park Ave., No. 210, Scarsdale 10583 723-5699 • af-sons.com

51 Fowler Ave., Yonkers 10701 424-4135 • lbgeneralconstruction.com

2 Depot Plaza, Suite 303C, Bedford Hills 10507 646-6253 • nobleconstruction.net

Largest home built Number of home-building Services to date contracts awarded in 2014 (square feet)

This list is a sampling of homebuilders serving the region. If you wish your company to be included in our next listing, please contact Danielle Renda at drenda@westfairinc.com. * NA

14

Address withheld at company's request.

Not available.

March 30, 2015

WCBJ | HV Biz

New home design and construction, renovation and remodeling, kitchens, baths and new additions

Nonprofit marks a century of tracking youths’ needs

BY DANIELLE BRODY dbrody@westfairinc.com

S

ince its start in the Progressive era at the turn of the 20th century, the purpose of the Westchester Children’s Association has always been the same, said Executive Director Cora Greenberg.

The WCA, which this year embarked on its second century, is known for publishing annual data reports on the status of the county’s children and convening groups to make changes to benefit youths. Its goal is to “identify children’s unmet needs, make those needs known to the public and policymakers and mobilize to see that those needs are met,” Greenberg said.

The association has been a leader in the movement to raise the age of adult criminal responsibility in New York state from age 16 to 18. New York is one of two states that does not treat 16- and 17-year-olds as juveniles. The WCA compiled data that shows youths in adult jails and state prisons are more likely to suffer from abuse and sexual assault and relapse into crime.

Greenberg said the WCA “mobilizes for change,” leading the raise-the-age effort in 2013 by encouraging people to contact Gov. Andrew Cuomo in support of the initiative.

Out of all the letters Cuomo received, about 25 percent were from Westchester, she said.

In early 2014, he appointed a commission to address the issue.

“We’re driving the bus and we’re getting a lot of people to get on the bus with us,” Greenberg said.

The organization, operating on an approximately $900,000 budget this year, does not take government money and is funded by private donations. “We’re not dependent on people liking us,” Greenberg said.

Because the association is privately funded, Greenberg said, it has a good opportunity to inspire change and give people in coalitions a voice. “We have the kind of independence that gives us a little more freedom to do that,” she said.

The WCA started as an offshoot of the State Charities Aid Association more than a century ago. In the early 1900s, a group of “wealthy white do-gooders” concerned about the poor formed the White Plains-based Westchester County Children’s Committee under that state agency, Greenberg said.

In 1913, a request to the children’s committee from the Westchester commissioner of the poor for a report about the needs of children living in poverty started what

would launch the WCA and its mission in producing. From the results of the report, the group recommended the county hire its first children’s welfare workers, then raised the money to hire them. These six workers became the start of the Division of Family and Child Welfare in the Westchester County Department of Social Services.

In 1914, the group broke off as the Westchester Children’s Association. It incorporated in 1923.

“Since then we’ve had pretty much the same mission,” Greenberg said. The way the

organization has carried out this mission has evolved throughout the century.

For years, WCA volunteers, mostly nonworking women, led their own projects through town chapters. The WCA gradually changed to a staff-driven operation after the early 1990s, Greenberg said. Today it has seven employees, five of whom are full time, and gets support from volunteers. Greenberg has been with the nonprofit since 1994.

In its 100 years, the organization has launched and run services on its own as a WCA, page 16

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WCA — From page 15

catalyst to social change, Greenberg said.

The WCA established a child guidance center in White Plains, the county’s first shelter for runaway and homeless youths in Valhalla and a child care center in the Yonkers Family Court.

When public funding became available, the WCA handed over those services to other organizations so it could focus on its specialty in producing data that leads to social change.

“We decided there are lots of people out there that can do services, but we’re the only ones that can do advocacy the way we do it,” Greenberg said.

Limarie Cabrera, WCA director of data analysis, said the association in the past produced a 300-page book of data about Westchester children. People would call asking for a summary of the information. “There was a demand for data that was distilled to its simplest essence,” she said.

With the rise of social media about five years ago, the staff started creating infographics and sharing them on Facebook and Twitter. Cabrera said she has been using new technology and learning from the business world on how to organize the information.

With the tools she uses, she can create inter-

active data cheaply or at no expense that would have cost at least $10,000 a few years ago, she said. “It’s an exciting time to be in the data business,” she said.

Last year, the WCA discontinued the book and instead released a six-page print-out for their annual Children by the Numbers report, which is supported by the Westchester Community Foundation and The John P. and Constance A. Curran Charitable Fund. It contains information on demographics, economics, poverty, education, youths and young adults, health and child welfare.

Cabrera said a wide audience wants to see the data, including students, grant writers, nonprofits and businesses. The WCA blog, which is used to share information and data analysis, is viewed across the U.S. and internationally.

“We transformed from a data warehouse to an information provider,” Cabrera said.

Individual towns have asked for their own reports, Cabrera said. The WCA has been approached by organizations for special projects, Greenberg added. Recently, Yonkers chose the WCA to manage the city’s data for the Yonkers Thrives Partnership, a new program to improve the education and lifelong success for children and youths in

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March 30, 2015

WCBJ | HV Biz

Cora Greenberg, executive director of the Westchester Children’s Association, in her White Plains office.

Photo by Danielle Brody

Yonkers.

Greenberg said the association has done “little bits” of fee-for-service work, but the Yonkers project would be their first substantial subcontract. “It could be another revenue stream for us,” she said.

The WCA is also piloting its own initiative, GPS 4 Kids, to bring industry leaders together from different sectors and agree to address pressing issues. She said she and her

staff attend many meetings, and based on all the people that are working to help, more could be done. “We should be getting more bang for our buck,” she said.

She hopes that a diverse group of industry leaders can gather resources to do something to benefit kids’ lives. Greenberg said that as a neutral, credible nonprofit, the century-old association is a good candidate to lead the charge.

SPECIAL REPORT ELDER CARE

Puppets animate their puppeteers at Wartburg

BY JOHN GOLDEN jgolden@westfairinc.com

A

t Wartburg, the provider of senior care services in Mount Vernon, Director of Volunteers Ann Frey was skeptical when Josh Rice, a graduate student in theater at Sarah Lawrence College, came to her last year with a proposal to start an arts program on the Wartburg campus for people with Alzheimer’s disease and related dementias.

Rice had discovered and gotten hooked on the puppeteer’s art at Sarah Lawrence, which has worked closely with Wartburg through the college’s community partnership program. Inspired by a class that explored the use of theater for social change and by an uncle who had lived with dementia under his family’s care, the master’s degree candidate developed his Mnemonic Theatre Project.

Puppets — designing and building them, giving them names and personalities and stories to tell, performing with them before an audience of friends and family — would bring together seniors who share the symptoms of progressive disease in a community of creative play and strengthen and reanimate their minds and motor skills in the process of animating their creations.

“I had to sell Ann on the idea,” Rice said in a phone interview after a recent rehearsal with the New York Philharmonic Orchestra for a London performance next month by Giants Are Small, a multimedia arts production company. “At first she was like, ‘Puppets?’”

“I was pretty hesitant at the beginning,” said Frey. “I didn’t want it to be insulting to people, because puppets are identified with juvenile.”

“He was so enthusiastic that I said, let’s give it a try.” It would be added as a crafts project in Wartburg’s award-winning Creative Aging program. Launched in 2009 and featured on the PBS documentary series “Visionaries” in a segment that will air in April, the program has 500 seniors engaging in a variety of arts and crafts and cultural pursuits that include African drumming, choral music, chime choir, clay work, quilting, collage making, writing and poetry workshops and a “Music and Memory” program using personalized iPods.

Rice, a freelance teacher and teaching artist since graduating from Sarah Lawrence, is directing his third puppetry program at Wartburg in twice-weekly classes this spring. He works with seven nursing home residents in advanced stages of Alzheimer’s and dementia. They have shown more memory recall than previous groups with less advanced symptoms, he said. Rice thinks that might be due to the twice-a-week schedule he adopted after holding once-a-week sessions with previous groups and the morning hour for classes, when the Alzheimer’s and dementia patients are “very chipper.”

“We get them to start building right away,” using a prototype design to make puppets on rods and exercise fine motor skills as they sculpt, paint and dress their head-and-torso creations. “From its very inception of crumpling papers, they have a say in every decision,” he said.

Next Rice engages the novice puppeteers in “creative play.” They bestow names, personalities and voices and create storylines — some grounded in memories summoned from their own lives and others shaped entirely by fantasy and fiction — for their puppets. One woman named a puppet after her brother. Another named her puppet after the son with whom she had a difficult relationship.

“Some of them are a little reticent and some of them are very eager to play,” said Rice. The creative play “is something that happens sometimes without my prompting.

That innate ability to play, I don’t think we ever lose that.”

“A puppet forces you to be present with this object, and bring it to life and bring life into it,” said Rice. “The patients have really responded to it well in that way.”

“A puppet allows them to be free with their imagination and to engage. The theater concept creates community because it’s collaborative and interactive. People laugh and work together, helping each other make choices about their puppets.”

Dubious initially, Frey soon saw the healthy effects the puppetry sessions had on seniors. “They engage with each other,” she said. “That’s a big part of the creative aging program.”

“We immediately saw that this program had great potential. We were just as curi-

Urany Sharpe displays her puppet creation.

Puppetry teacher Josh Rice with Wartburg puppeteers.

ous as Josh to see how the people would react to it” as it moved from the adult day services center to the memory care facility and finally to the nursing home on campus.

“To hear what comes out of their mouth through the puppet is very, very funny,” she said.

For a woman in Wartburg’s memory care facility, the channeled voice was operatically uplifting “We were able to get her to sing an aria

in the show,” said Rice.

“She knew all the words,” said Frey. “It was all in Italian. It all came out through the puppet.”

For the puppeteers’ teacher, “It’s just been so rewarding, to have that sense of accomplishment at the end of the performance.”

“The laughter and the applause and the smiles on their faces were enough to know that this was a great success,” said Frey.

WCBJ | HV Biz

March 30, 2015

17

BY JOSEPH MATTHEWS

A

When children should talk to parents about money

s baby boomers age — and presumably become more sophisticated about personal financial matters — more are finding themselves caretakers for elderly parents.

This duty carries with it the responsibility of ensuring that their parents’ financial position is solid, with sufficient assets as they continue to age. However, discussing finances can be cause anxiety for both adult children and their parents. The choice of words and tone — along with a healthy dose of empathy — can go a long way toward a meaningful conversation.

For many, old age is a time of coping with a series of physical and emotional losses: hearing, eyesight, mobility and memory as well as friendships. A recent survey of issues facing the elderly found that among those who have experienced cognitive decline, 47 percent have had troubles with bills; 36 percent have had difficulty with simple math; 35 percent have made irrational purchases; and 21 percent have depleted their savings accounts.

Discussions of personal finances should not add stress to an already stressful situation. Initiating a discussion on financial

issues allows families to get a head start on creating strategies that will mitigate, if not eliminate, roadblocks to successful and efficient asset management.

If possible, initiate these conversations earlier rather than later, allowing for a clear understanding of parents’ wishes and goals versus crisis management at a later date.

Additionally, parents should consider giving an adult child authority — limited or otherwise — to act on their behalf should the need arise. This can make difficult decisions about their finances less stressful and ensure a trusted loved one is charged with managing their assets.

Do the parents’ assets still focus on long term growth? Would it be better if they had increased current income? Are there shifts in investment needed to better reflect immediate and long-term needs?

Do they still need the tax benefits afforded by municipal bonds? In the quest for high yields, are they taking too many risks? Are their investments too heavily weighted with stock in a former employer?

A first step should be assisting parents in gaining a clear understanding of their financial life, possibly with the help of a financial

adviser who could help organize the parents’ records. Collection and storage of personal information should include: wills, powers of attorney, trust documents, health care directives, financial papers, property papers and tax returns.

In the event of a catastrophe or serious illness, death or disability, these documents will immediately provide access to timely information. Keeping their important documents and financial records organized and readily available could easily become one of the best gifts they can give.

Another early step that will ultimately reduce anxiety is to automate your parents’ bill payments as well as establishing direct deposit for their Social Security and pension benefits. Additionally, some financial advisers offer data aggregation tools that provide secure access to most if not all of their financial life — assets and liabilities — through one secure website. By employing these types of strategies, the adult child will be in a position to effectively and efficiently manage parents’ financial information.

As you take on the responsibility of helping aging parents with their finances, don’t underestimate the level of stress expe-

Joseph Matthews

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Remember, this is about parents’ money, not yours. Although your initial actions will be focused on their assets, you might just find that they lead to a stronger emotional connection between all of you.

Joseph Matthews is a financial adviser with the global wealth management division of Morgan Stanley Smith Barney in Fairfield. He can be reached at 203-319-5165.

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Community health centers fill dental care gap

BY COLLEEN WILSON cwilson@westfairinc.com

W

hen individuals reach the federal retirement age of 65, they become eligible for Medicare, a government health insurance program for the elderly and disabled, but nearly all oral health procedures are excluded from coverage through that program.

In 2012, 25.9 percent of the senior population paid for private dental benefits, according to a study conducted by the Health Policy Institute of the American Dental Association. An article in the Journal of Public Health Dentistry cited statistics from 2004 that found 70 percent of adults 65 and older did not have any dental insurance.

The dental options for seniors, many of whom lose coverage when they retire or if a spouse passes away, are paying for private insurance, purchasing supplemental insurance through Medicare or not having insurance and paying out of pocket. The latter option often occurs because low-income seniors become ineligible for the federaland state-funded Medicaid program for the poor when they turn 65, and few qualify for dual coverage of Medicaid and Medicare.

Some of the only resources available for seniors who cannot afford the extra costs of private or supplemental insurance are community health centers.

In Westchester County, Open Door Family Medical Centers has locations that offer some dental services in Ossining and Port Chester. Janet Bozzone, director of dental services at Open Door, said there aren’t many options in the county for low-income seniors.

Bozzone said her organization focuses on preventative care and the elimination of disease, which includes X-rays, diagnosis, taking care of cavities and dentures, but it doesn’t “have the manpower or facilities” to provide more extensive dental care, like crowns.

Open Door does have a residency program with New York Medical College and Phelps Memorial Hospital Center for services that it cannot provide at its facilities.

“We’re trying to not only provide advance training for the residents, but a service to the community as well,” Bozzone said of the residency program.

Optimus Health Care, a community health center with four locations in Fairfield County, is another affordable option for the

elderly who cannot afford private insurance.

Maribel Rivera de Napoleon, the dental practice manager of Optimus, said it provides “comprehensive” oral care.

The facilities do extractions, dentures and preventative care, much like Open Door, but also crowns and anterior root canal treatment.

Ludwig Spinelli, Optimus CEO, said when Optimus opened its first health center in 1976

there was a “100 percent need” for dental care because there were not that many dentists at the time. Today, it has a 380-person staff and serves roughly 2,000 patients per year in Fairfield County, 25 percent of whom do not have insurance, he said.

“Some of (our patients) are never going to be applicable” for insurance, Spinelli said, which makes “dental care an important piece of our delivery.”

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Scammers home in on seniors via phone ‘It’s where the money is’

BY EVAN FALLOR evan@westfairinc.com

W

hen Don McGran Jr., a security adviser for Fairfield County Bank and a former 30-year veteran of the Ridgefield, Conn., police department, looks at Fairfield County, he sees a vulnerable senior population.

With a median household income of $82,000, Fairfield is one of the wealthiest counties in the U.S., followed closely by neighboring Westchester County’s $79,585 median income. Those two ingredients combine to form a hot spot of predatory calls, letters and emails from scammers hoping to earn thousands of dollars in one day, McGran said. Senior numbers — 15 percent of Fairfield County is above 60

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and New York state has 3.7 million 60-plus seniors — speak to ample opportunities for fraud.

“Quite simply put, it’s where the money is,” he said. “That’s what the bad guys want.”

McGran has been giving his “Protecting your money from scams” presentation throughout Fairfield County’s senior centers, community centers and Rotary clubs for the past three years, warning seniors of the costly danger that lies on the other end of the telephone.

Despite the belief seniors are targeted because of a declining mental state, McGran said it is instead because seniors often have large amounts of cash at their disposal from retirement and grew up in a time when scams like this did not occur. Scams can range anywhere from lottery scams to phony criminal cases to IRS fraud. No matter what the nature of the scam, McGrath said he preaches the same advice.

“Don’t give them the time of day,” McGran said. “The longer you talk to them, the longer they’ll talk you into doing what they want you to do.”

One of the most common scams is the “grandparent scam,” where criminals pose as grandchildren, attorneys or law enforcement in an effort to extort money from seniors.

The way scammers find their targets, McGran said, is through Facebook.

Through social media, they find a younger relative — a niece, nephew or grandchild in most cases — and build a “book” of family information, including the names of other relatives to whom they refer after placing their call, which allows them to easily confirm key details if they are questioned.

McGran said after the initial call and money wire, scammers will often call back a second and a third time for “sentencing fines” and “attorney fees,” which can top $10,000. Some seniors he has spoken with have lost up to $40,000. He said most calls are international, especially from Canada, but he has seen some from California and even as close as from New York City. The scammers, who McGran called “Academy Award winners,” often are articulate, wellspoken and have no accent, making them very believable.

Lyn Bond, director of the Lapham Community Center in New Canaan, Conn.

— where McGran made a presentation last year — said she spoke recently with a senior who was on the receiving end of a “grandparent scam” call. Luckily, she said, the scammer didn’t do his homework.

“Somebody told me they got a ‘grand-

Don McGran Jr.

parent call’ and hung up the phone on them because their grandson is 2 years old,” Bond said. “That one wasn’t going anywhere.”

According to the Federal Trade Commission, one out of every ten “grandparent phone scams” are successful, making it a $5 billion annual business. The National Council on Aging labels “the grandparent scam” one of the top 10 nationwide scams targeting seniors.

The FBI, which has warned local police departments about the increased threat, asks senior victims to report scam calls to its Internet Crime Complaint Center, which reported over $525 million consumer damages from phone scams in 2012. In February 2014, Connecticut U.S. Sen. Chris Murphy wrote a letter to FBI Director James Comey requesting more funds be sent to the state to assist local police enforcement in promoting awareness and prevention in these types of scams.

But on average, only 3 percent to 4 percent of seniors report they have fallen victim to a scam. That’s because they feel embarrassed at the risk of losing independence, the ability to drive, or other privileges, McGran said.

McGran’s presentations differ depending on the town and which scam is trending in what neighborhood. He’s given some 100 talks on the topic, he estimated. He said an IRS scam involving false tax returns is the biggest threat Fairfield County is currently facing.

“This is something that’s going to get worse and worse,” McGran said.

“Prevention is key.”

Home care agency expands as senior population grows

BY EVAN FALLOR evan@westfairinc.com

W

hen Ridgefield Visiting Nurse Association President and CEO Theresa Santoro looks at her organization’s facilities on East Ridge Road, she sees growth. A lot of it.

The number of in-home patients RVNA serves across 27 towns in western Connecticut, now at 1,200, has doubled in the past five years.

Three years ago, the nonprofit had 55 staff members. Now, it’s at 120.

Waiting lists have begun to form for drop-in flu shots, vaccines and health education classes, something Santoro had rarely seen before in her eight years at the organization’s helm.

Though RVNA is perhaps best known for the external services it provides to seniors, Santoro and the organization’s board of directors have known for the past five years that a larger and more modern headquarters would be the only way to adapt to health care reform and the region’s rising senior population.

In December, RVNA, two months after celebrating its centennial anniversary, broke ground on a $9.5 million, 22,000-square-foot facility, the RVNA Center for Exceptional Care. At 27 Governor St., it’s a stone’s throw away from the organization’s current location, but the center will provide 10,000 square feet of additional space for the 100-year-old private nonprofit to expand current care.

“RVNA has just grown incredibly,” Santoro said. “It’s a wonderful problem to have.”

On top of in-home services, the organization does a modest business of post-acute care, a health maintenance program and nutrition and cooking classes — all of which require brick-and-mortar space to operate. The new site will create room for clinics, health education programs and therapy, and will also serve as an administrative headquarters.

RVNA last year purchased a 1.25-acre parcel of property from the Donnelly family, longtime Ridgefield residents and RVNA supporters who owned the property on Governor Street adjacent to Veterans Park.

At that point, ideas began flowing about how to use the space in a cost-effective manner.

“The question was, ‘How do we increase patient quality while keeping costs down?’”

Santoro said.

The organization conducted a feasibility study asking supporters what they thought of a move to a larger facility. Almost all supporters and patients alike were in favor of the project, Santoro said.

Between June 2013 and December 2014, nearly $8 million of the $9.5 million needed to fund the expansion was raised through foundation and private donations. RVNA initiated The Campaign for Tomorrow, the final public phase of fundraising, fifteen months ago and is now less than $500,000 shy of reaching its total cost.

After December’s groundbreaking, winter weather pushed the proposed schedule back about two weeks, Santoro said. The goal is to have construction completed in December or January, with an official opening date soon after.

Santoro said she expects a wave of hires — nurses, therapists and aides — in conjunction with the move, not only to staff the new building but because of the rising senior population that data projections show will continue through 2030.

According to a 2013 U.S. census estimate, seniors age 65 and older make up more than 14 percent of Fairfield County’s population of 940,000 people. In 2000, seniors made up 13 percent of the county population.

RVNA made 43,000 home care visits in the past fiscal year. It launched the Quality Living at Home program in October 2009, an aging-in-place initiative in Ridgefield and Redding that serves as a 24/7 call center for seniors. It has 545 subscribers. Some of RVNA’s programs, including its annual Health and Wellness Fair, are free, but others are covered through insurance.

Renovating the current facility was never an option, Santoro said. The nonprofit has simply outgrown its quarters, which do not provide viable accessibility for the mobility-impaired, a crucial aspect of providing on-site service, she said.

Ridgefield First Selectman Rudy Marconi said he was excited for the expansion and that higher patient intake and a bigger staff would benefit the town as well as RVNA. “It’s a great move for RVNA and a great move for Ridgefield,” Marconi said. “It could add some economic growth to community, which is always welcome.”

Now at 115 donors, the project’s first 100 donors will be enshrined in a centennial circle. Those who still wish to donate can purchase an engraved brick or bench to help RVNA “reach the finish line,” as Santoro put it.

The expansion is still in its early phases of construction, Santoro said, but the RVNA board of directors meets weekly with a construction manager and architect to monitor progress. On March 20, construction crews were pouring cement into the building’s footings.

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INBRIEF COUNTY TO HOLD FAIR FOR SENIORS Businesses and nonprofit organizations are invited to exhibit at the 47th annual Salute to Seniors sponsored by Westchester County government agencies on May 6 at the Westchester County Center in White Plains.

The informational and entertainment event will be from 9:30 a.m. to 2:30 p.m.

Admission and parking are free.

With 17 exhibitor booths, this year’s Health and Wellness Fair will offer nutrition assessments, skin care and dental care information, tai chi exercises and more to visiting seniors.

County officials said a business expo will

include more than 90 vendors with products and services for seniors and caregivers as well as representatives from county and state agencies.

Afternoon entertainment will include performers impersonating the Hollywood “Rat Pack” trio, Frank Sinatra, Sammy Davis Jr. and Dean Martin. Also featured will be a film presentation of active senior programs available in the county, in keeping with this year’s national theme for Older Americans Month in May, “Get into the Act.” Lunches are available but registration is required by calling 914-813-6416 or 914-8136449. Lunch reservations are due by April 21.

Sponsors suggest a meal contribution of $4 per person. Businesses and nonprofit organizations can sign up to exhibit at the business expo by downloading the expo application form at seniorcitizens.westchestergov.com or by calling 914-747-0519.

The Salute to Seniors is sponsored by the county Department of Senior Programs and Services and the Westchester Public/ Private Partnership for Aging Services and is co-sponsored by the county’s parks, recreation and conservation, public works and transportation departments.

For more information, call 914- 813-6300 or visit seniorcitizens.westchestergov.com.

FAMILY MEDICINE RESIDENT JOINS PHELPS MEDICAL GROUP Dr. Anesh Badiwala, a member of the first class that will graduate in June from the family medicine residency program at Phelps Memorial Hospital Center, has accepted a position with Phelps Medical Associates, the hospital’s primary and specialty care medical group, the hospital in Sleepy Hollow announced.

Badiwala started with the residency pro-

gram in 2012 after earning a medical degree at the American University of Antigua and set a personal goal to secure a position with Phelps, he said in the hospital announcement. “The program has accelerated my skills and knowledge with the support of exemplary faculty and medical staff,” he said.

“From the beginning,” said Dr. Shantie Harkison, director of the family medicine residency program, “a fundamental goal of our program has been to cultivate the best and brightest family physician leaders for our community through innovation and partnership. We are very proud of Dr. Badiwala for being one of the first residents to fulfill that vision.”

The residency program at Phelps received national accreditation in 2011 and was designed to help meet the growing shortage of primary care physicians in the U.S. and in Westchester County, hospital officials said. Called the NYMC Phelps Family Medicine Residency Program, it is a collaboration between New York Medical College in Valhalla, Phelps Memorial Hospital Center and Open Door Family Medical Centers, headquartered in Ossining.

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Expertise. Communication. Commitment.

Our specialty programs ensure the best possible care.

Our highly-trained staff can improve your quality of life.

Call us 24 hours/7 days a week for all of your needs.

Corporate Address: 540 White Plains Road, Ste. 300 Tarrytown, NY 10591-5132 • (914) 666-7616

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Putnam Address: 20 Milltown Road, Ste. 101 Brewster, NY 10509-4309 • (845) 278-4068

New York state was recently rated one of the worst states to retire by Bankrate.com, beating only Arkansas.

The financial information site compiles an annual ranking of the best and worst states to retire, factoring in crime rates, weather statistics, government health care quality and the state and local tax burden.

Bankrate.com also considers information from economists and retirement experts.

New York was rated the 49th-best state for retirees. The state ranked the least desirable in terms of tax rates. New York also ranked low for cost of living, at 47th, and community well-being, at 42nd. The state fared better on crime rates, at 17th, health care quality, at 26th, and weather, at 25th.

The five states that made the top of Bankrate’s list were Wyoming, Colorado, Utah, Idaho and Virginia.

“We weren’t looking for the most popular places in the country,” said Chris Kahn, who wrote about the report in an article on Bankrate.com. “Instead, we asked: If you could pick any state to retire in, which would best suit your primary needs.”

Kahn said the list is best used as a conversation starter. The survey took into account state averages, while many states, like New York, are diverse, he said. Other factors the survey did not account for were access to specific hobbies or activities and proximity to retirees’ family and friends.

— John Golden and Danielle Brody

BY RAJ BUDDHAVARAPU

I

We must have the hard discussions at the end of life

stood by the bed of an 85-year-old patient clearly in pain. He was short of breath, caused by the acute pneumonia that had led to his hospitalization.

He suffered from severe pain in the chest and legs. His grown sons were agitated — yet their father’s discomfort was not their sole concern. The patient was refusing all aggressive treatment, and his sons disagreed. But the patient had practiced medicine for more than 50 years; he knew further treatment would not cure him and would cause him to suffer more. Now his sons needed to try to understand what their father’s wishes really were.

As director of geriatrics and palliative care at White Plains Hospital, I encounter similar situations several times a day.

Patients feel powerless, and families face a difficult choice: doing everything possible to save their loved one’s life — even if there is no certainty of a cure — or following their loved one’s wishes to be left in peace. My role is to talk to patients and families about what we as medical experts can do, and what we cannot do. If we cannot cure the disease, we can provide comfort for the patient during a very difficult time.

In the case of the 85-year-old former physician, I spoke to him about what he valued most at this time in his life. He understood that the pneumonia, compromised heart function and fluid in the lungs were life-limiting, and that the pneumonia would eventually claim his life. He did not want to go home; he wanted the hospital to provide palliative care that would block his pain and allow him to ease into death. He feared that if he went home, his wishes may not be carried out in the face of resistance from family members again.

He was assured, after speaking to me, that his wishes would be carried out in the hospital.

Meanwhile, the sons struggled to understand their father’s choice, but they were comforted by talking to a medical professional who could paint a picture of exactly what their father faced. They began to see that the treatment would be more burdensome than the disease. They agreed with their father’s decision, and they and their father were grateful. A few days later, the father died in peace.

Let’s start talking The end of life is a difficult time for patients, families and physicians.

Physicians are trained to fight disease to the end and are uncomfortable initiating a discussion of alternatives with patients and families. Families are reluctant to broach the topic themselves, thinking it is best to defer decisions to medical experts. But as uncomfortable as it is, physicians need to initiate these conversations. I believe it is our responsibility as medical professionals to look beyond the physical to take into consideration the values, culture, spiritual pain and emotional turmoil that beset patients and families.

White Plains Hospital has made it a priority to engage patients in end-of-life discussions. We educate our staff — physicians, hospitalists, specialists, nurses and social workers — on the importance of initiating these discussions. We plan indepth lectures and convene meetings with separate specialty groups. They are shown how to speak to patients and their families about how they are coping with the illness.

In addition, we have developed a screening tool to help clinicians identify patients in need of the discussion. We encourage nurses as well as physicians to use it, as nurses spend more time at the bedside. Patients are made aware that they can feel free to seek a consultation or change in treatment plan at any time.

Our culture has changed Now, more of us are initiating these important discussions. We listen as people unburden themselves, describing the spiritual, mental and emotional pain the disease causes. We carefully describe possible treatment plans and alternatives, highlighting the risks and benefits, and discussing it all until every question is answered.

We make sure the patient and family have the information they need to give informed consent for proposed interventions.

Part of our process is to invite physicians to forums where they can share their experiences and grow more comfortable having these conversations with patients and families. What we are finding is that physicians find the work fulfilling and gratifying. Families are grateful to

have a medical professional guide them through the process. It relieves them of doubt, eliminates the guessing and brings closure, whether aggressive treatment continues or not.

By helping our clinical professionals gain the necessary skills and competencies to engage in sensitive conversations at the end of life, we are fulfilling our commitment to center our care on our patients

while respecting the values and spiritual needs of both them and their families at a crucial time. It is a practice I hope will become commonplace throughout our health care system.

Dr. Raj Buddhavarapu is the director of geriatrics and palliative care at White Plains Hospital. For more information, call 914-681-1072.

A FI V E S TA R I N D E P E N D E N T, A S S I S T E D L I V I N G A N D MEMORY CARE COMMUNITY

HERE, THE WORLD REALLY DOES REVOLVE AROUND YOU.

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ou deserve special treatment, and we know it. From the warm welcome of our concierge to the server who presents you gourmet creations at every meal, you’ll find living here is more like a luxurious stay in a high-rise hotel. Enjoy the personalized comforts of our caring staff, on hand 24 hours a day to cater to your every need. We’re all about helping you live your life to the fullest — with clubs, classes and cultural outings all for the taking.

Personalized comforts for one and only you • Licensed nurses on staff, 24/7 • New in-house physical therapy department • Nationally-acclaimed Memory Care program • Personalized medication and housekeeping assistance • Transportation to doctor’s appointments, shopping, cultural events

Formerly known as Classic Residence by Hyatt

537 Riverdale Avenue, Yonkers, NY 10705 • (914) 709-1234 www.fivestarpremier-yonkers.com WCBJ | HV Biz

March 30, 2015

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BY ANTHONY J. ENEA

The most common misconceptions about elder law planning

H

aving experienced firsthand for almost 30 years the ravages and cruelty inflicted by Alzheimer’s, senile dementia, Parkinson’s, ALS and multiple sclerosis upon individuals and their families, it can be particularly galling to learn that some have unnecessarily spent hundreds of thousands of dollars on their long-term care as a result of misconceptions and/or misinformation they relied upon.

The following are the most common and financially devastating misconceptions: 1. It’s too late to do anything. This misconception is particularly devastating in cases where an unmarried person is already in a nursing home for long-term care or will be shortly. While the individual and his or her family may know of the existence of the five-year look back (period of disqualification for nursing home Medicaid) for assets gifted (with some exceptions), they may be unaware that they can engage in what is commonly referred to as a Medicaid crisis plan.

If properly constructed and imple-

mented, a Medicaid crisis plan can protect approximately 40 to 50 percent of the assets of the individual already admitted or being admitted to a nursing home for long-term care. Without its implementation, one would be required to spend down his or her (nonIRA/retirement) savings until he or she has $14,850 or less in available resources. This can be financially disastrous for someone who has managed to save any money during his or her lifetime.

2. Transfer-of-asset rules apply to community Medicaid. One of the distinct advantages of engaging in Medicaid asset protection planning in New York is that while a nonexempt transfer of assets will create the five-year look back period for nursing home Medicaid, it will not, under current law, have any impact on one’s eligibility for Medicaid home care (community Medicaid).

Thus, hypothetically one could transfer all of his or her savings and still be eligible for Medicaid home care the first of the month after the transfer, assuming one needs assistance with activities of daily living and com-

plies with the rules regarding one’s income (which can also be protected with a pooled community trust).

3. Assets funded in a revocable living trust are protected for Medicaid purposes. The assets used to fund a revocable living trust are counted as available resources for Medicaid eligibility purposes, and Medicaid will be able to place a lien/claim against said assets/resources during your lifetime for the value of the services provided. The only advantage for Medicaid planning purposes of a revocable living trust occurs once the creators of the trust are deceased. Upon their death, the trust becomes irrevocable and thus no longer subject to the imposition of any claims or liens by Medicaid.

4. IRA/retirement assets are countable and available resources for Medicaid eligibility. IRA/retirement assets, irrespective of their amount, are not counted as an available resource for Medicaid eligibility purposes so long as the applicant for Medicaid is receiving their required minimum distribution. Even if one has thousands or millions of

The Bristal Assisted Living | Where Every Day Means More TM

dollars in IRA/retirement assets, he or she could be eligible for Medicaid nursing home or Medicaid home care. Only the minimum required distribution would be considered as countable income to the applicant.

It is important if one has an IRA/retirement account to ensure that said account has named beneficiaries/alternate beneficiaries, and that one’s estate is not named as a potential beneficiary or becomes the beneficiary by default. If one’s estate is the beneficiary of the IRA/retirement, then Medicaid would have a lien/claim against the amount paid to the estate for the value of the services it provided.

I am hopeful the above will help resolve some of the common misconceptions about elder law planning that have resulted in the unnecessary loss of assets to many.

Anthony J. Enea is the managing member of Enea, Scanlan & Sirignano LLP, with of�ices in White Plains and Somers. He can be reached at 914-948-1500 or A.Enea@esslaw�irm.com.

I am living a new chapter in my LifeStory “I really care about other people, so I became a nurse as soon as I raised my family. At St. Francis I served as a cardiac, and then, oncology nurse. After I retired, I volunteered in the gift shop because I just couldn’t stay away from the place.

My two wonderful sons and my grandchildren visit me all the time and think The Bristal is just about the best place in the whole world.

And the staff! Well I couldn’t say enough about how well they treat us.”

For more about Ethel, tune in at thebristal.com/truelifestories

Ethel, Resident of The Bristal

ARMONK | 90 Business Park Drive | (914) 432.8200 WHITE PLAINS | 305 North Street | (914) 681.1800

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P L E A S E V I S I T O U R W E B S I T E F O R A L L L O C AT I O N S I N T H E T R I - S TAT E A R E A • L I C E N S E D B Y T H E D E P T O F H E A LT H • E L I G I B L E F O R M O S T L O N G T E R M C A R E P O L I C I E S

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BY ANTHONY J. ENEA

Form a proper estate plan to protect your children The task is intimidating but vital for single parents

T

aking the time to formulate an estate plan can often seem like a daunting process. This is particularly true for the single parent. The single parent is likely struggling to balance the demands of taking care of the children, home and working a job outside of the home. With these responsibilities, the mere thought of adding anything to the to-do list may seem overwhelming. However, taking the time to develop an estate plan will likely ease some stress since the plan can help ensure that one’s children are provided for according to their wishes in the event of their demise.

Some of the most valuable steps to consider implementing are: 1. Drafting a last will. This document provides specific instructions to loved ones and family members on how assets should be distributed upon your demise and can provide that assets not be distributed to your children until they have reached a specific age. A last will can dictate that the assets be held in a trust for the benefit of your children.

Within the last will you will be able to select who will handle the affairs of your estate and

administer any trust for your children (act as trustee(s)).

2. Appointment of guardians. Arguably, the most important step when creating an estate plan for the benefit of young children is to determine who will be the guardian of the children. It is often recommended to choose guardians that are in a similar age group to the parent or younger. It is important to keep in mind that if the other parent is alive and willing, that individual will likely gain custody of the children regardless of who is nominated as a guardian.

3. Drafting a revocable living trust. A revocable living trust allows the creator of the trust to remain in control of the assets while he or she is alive. It can also manage assets in the event of one’s incapacity and also specify who is to receive the assets upon death. This legal tool can also help to ensure that children and young adults do not receive a large inheritance before they are ready to manage the assets. The revocable trust can have a continuing trust for the children until they have attained a certain age and/or for their life while permitting the trust assets

and income to be used for the health, education, maintenance and support of the child.

4. Utilizing a special needs trust. If one has children with any incapacities or disabilities, it is most important to consider utilizing a third-party special needs trust for said child. This will help ensure that the fund held in said trust can be utilized for the special and supplemental needs of the child without impacting his or her eligibility for Medicaid, Supplemental Security Income or any other federal or state program.

These are just four of the legal tools that can be used to help ensure one’s children are protected. Other tools that can provide additional guidance are advance health care directives, which allow the creator to name an individual to make health care decisions on his or her behalf in the event of incapacity, and a power of attorney for financial affairs, allowing an individual to control bank accounts and other finances when you are unable to do so. It is also wise to review beneficiary designations on life insurance and retirement policies and update them if necessary.

Those who are putting together an estate

Anthony Enea

plan are wise to seek the counsel of an experienced estate planning attorney. This attorney can review your situation and help guide you through the process, helping to form a plan that is more likely to reflect your wishes.

Anthony J. Enea is the managing member of Enea, Scanlan & Sirignano LLP, with of�ices in White Plains and Somers. He can be reached at 914-948-1500 or A.Enea@esslaw�irm.com.

TO ALL THOSE WHO ROSE TO THE CHALLENGE, THANK YOU. The Leukemia & Lymphoma Society’s Light The Night Executive Challenge is a national fundraising competition for blood cancer cures. The Connecticut Westchester Hudson Valley Chapter had 27 participants and raised a total of $128,000.

Congratulations to our winner, Manuel Homem, of Willis Insurance for raising $17,296 and thank you to all of this year’s participants.

Michelle Barone Think Social First Matthew Campbell Laridae Capital Daniel Carlton HM Insurance Group Gary Crisci GE Corporate Dr. Louis DeGennaro The Leukemia & Lymphoma Society Chuck Del Priore Meridian Risk Management Sheilagh DePeter Wilson, Elser, Moskowitz Edelman & Dicker LLP Richard Dutra My Seasons Realty Nancy Hallberg The Leukemia & Lymphoma Society Manuel Homem Willis Insurance - winner For more information: Emily.Genzlinger@lls.org www.lightthenight.org/ctwhv

Michael Jacobson Strategies for Wealth Steven Klapow Berlin Productions Rosemarie Loffredo The Leukemia & Lymphoma Society Joseph Long Strategies for Wealth Lauren McKeon Morgan Stanley Christopher Meyers Houlihan Lawrence Real Estate JR Miller The Leukemia & Lymphoma Society Elizabeth Nunan Houlihan Lawrence Real Estate Teri Rhodes-Butler Belvedere Abstract, Inc. Mark Roithmayr The Leukemia & Lymphoma Society Joseph Solimine, Jr. Meridian Risk Management

Caring for You & Those You Love, in Home & Hospital Settings

914.682.7990 www.ConceptCareNY.com | 50 Main Street, White Plains

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Yonkers Visionary Awards 2015

It takes a vision to build a village

A CALL FOR NOMINATIONS Here’s your opportunity to honor a person whom you feel has made a positive impact on the city of “Gracious Living” by taking part in the Tim League Readers Choice Visionary Award.

Join Mayor Mike Spano, the Westchester County Business Journal, Yonkers Chamber of Commerce, Yonkers Partners in Education, the Yonkers IDA, The Alamo Drafthouse Cinema and Sarah Lawrence College in identifying the most visionary people.

SPONSORS

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March 30, 2015

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Nominations may be submitted through www.westfaironline.com – any questions can be directed to Holly DeBartolo, events manager, at 914-358-0743.

May 7 - Awards Ceremony Hosted by Tim League The Alamo Drafthouse Cinema 2548 Central Ave., Yonkers 11:30 a.m. - 1 p.m.

FACTS& FIGURES BANKRUPTCIES MANHATTAN Awal Feeder 1 Fund Ltd. P.O. Box 2499, Phase III Elizabeth Square, 80 Shedden Road, George Town Grand Cayman KY1-1104, Cayman Islands.

Chapter 15, voluntary. Represented by David Molton. Filed: March 19. Case no.

15-10654-mew.

Awal Finance Co. Ltd. P.O. Box 2499, Phase III Elizabeth Square, 80 Shedden Road, George Town Grand Cayman KY1-1104, Cayman Islands.

Chapter 15, voluntary. Represented by David Molton. Filed: March 19. Case no.

15-10655-mew.

Awal Finance Co. No. 2 Ltd. P.O. Box 2499, Phase III Elizabeth Square, 80 Shedden Road, George Town Grand Cayman KY1-1104, Cayman Islands.

Chapter 15, voluntary. Represented by David Molton. Filed: March 19. Case no.

15-10656-mew.

Awal Finance Co. No. 3 Ltd. P.O. Box 2499, Phase III Elizabeth Square, 80 Shedden Road, George Town Grand Cayman KY1-1104, Cayman Islands.

Chapter 15, voluntary. Represented by David Molton. Filed: March 19. Case no.

15-10657-mew.

Awal Finance Co. No. 4 Ltd. P.O. Box 2499, Phase III Elizabeth Square 80 Shedden Road, George Town Grand Cayman KY1-1104, Cayman Islands.

Chapter 15, voluntary. Represented by David Molton. Filed: March 19. Case no.

15-10658-mew.

Awal Finance Co. No. 5 Ltd. P.O. Box 2499, Phase III Elizabeth Square, 80 Shedden Road, George Town Grand Cayman KY1-1104, Cayman Islands.

Chapter 15, voluntary. Represented by David Molton. Filed: March 19. Case no.

15-10652-mew.

Awal Master Fund. P.O. Box 2499, Phase III Elizabeth Square, 80 Shedden Road, George Town Grand Cayman KY1-1104, Cayman Islands.

Chapter 15, voluntary. Represented by David Molton. Filed: March 19. Case no.

15-10653-mew.

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

Questions and comments regarding this section should be directed to: Bob Rozycki c/o Westfair Communications Inc. 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3680

Blue Dog at 399 Inc. 2440 Broadway, Suite 280, New York 10024. Chapter 11, voluntary. Represented by Paul R. DeFilippo. Filed: March 24. Case no. 1510694-mew.

Nuevo Millennium Corp. 110-27 15 Ave., Flushing 11358. Chapter 7, voluntary. Represented by Barry N. Frank.

Filed: March 20. Case no. 12-10662.

OSO Properties Inc. 852 E. 213th St., Bronx 10469. Chapter 11, voluntary.

Represented by OSO Properties Inc. Filed: March 20. Case no. 15-10673mew.

WHITE PLAINS 173 Cortlandt St. LLC. 150 Cortlandt St., Sleepy Hollow 10591. Chapter 11, voluntary. Represented by George W. Echevarria. Filed: March 20. Case no.

15-22363-rdd.

Armonk Snack Mart Inc. 25 Saint Charles St., Thornwood 10504. Chapter 11, voluntary. Represented by Anne J. Penachio. Filed: March 24. Case no.

15-22375-rdd.

COURT CASES Bayer HealthCare Pharmaceuticals Inc. Filed by Crystal Abraro. Action: diversity-personal injury. Attorney: Todd Michael Miller. Filed: March 19. Case no. 7:15-cv-02066-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Alisha Barclay.

Action: diversity-product liability. Attorney: Christopher A. Seeger. Filed: March 23. Case no. 7:15-cv-02152-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Kristen Filicko. Action: diversity-personal injury. Attorneys: Timothy J. Becker, Rolf Fiebiger and Michael K. Johnson. Filed: March 23. Case no. 7:15-cv-02147-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Jennifer Hunsucker.

Action: diversity-product liability. Attorney: Edward Frances Blizzard. Filed: March 19. Case no. 7:15-cv-02070-CS.

ON THE RECORD

Bayer HealthCare Pharmaceuticals Inc. Filed by Carolyn Loveland.

Action: diversity-medical malpractice.

Attorneys: John J. Driscoll and Gregory J. Pals. Filed: March 23. Case no. 7:15-cv02171-CS.

131-151 Purchase St. Investor 1 LLC, et al, Tuckahoe. Seller: First 131 Purchase Street Associates LLC, et al, New York City. Property: 147 Purchase St., Rye. Amount: $36.5 million. Filed March 20.

Bayer HealthCare Pharmaceuticals Inc. Filed by Brittany Manley.

Action: diversity-medical malpractice.

Attorneys: John J. Driscoll and Gregory J. Pals. Filed: March 19. Case no. 7:15-cv02078-CS.

20 S Broadway LLC, Roslyn. Seller: VIF II/20 South Broadway LLC, Fairfield, Conn. Property: 20 and 26 S. Broadway, Yonkers. Amount: $18 million. Filed March 24.

Bayer HealthCare Pharmaceuticals Inc. Filed by Carey Okurowski.

Filed: diversity-product liability. Attorneys: Christopher A. Seeger. Filed: March 23. Case no. 7:15-cv-02155-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Nanette Sasser. Action: diversity-medical malpractice.

Attorneys: John J. Driscoll and Gregory J. Pals. Filed: March 19. Case no. 7:15-cv02087-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Danelia Vargas. Action: diversity-medical malpractice.

Attorneys: John J. Driscoll and Gregory J. Pals. Filed: March 19. Case no. 7:15-cv02084-CS. Bayer HealthCare Pharmaceuticals Inc. Filed by Jaime Weiler. Action: diversity-personal injury. Attorneys: Timothy J. Becker, Rolf Fiebiger and Michael K. Johnson. Filed: March 20. Case no. 7:15-cv-02130-CS. Canal Asphalt Inc. Filed by the trustees of the Operating Engineers Local 137, 137A, 137B, 137C and 137R Annuity, Pension, Welfare and Apprenticeship Skill Improvement & Safety Funds of the International Union of Operating Engineers. Action: labor: suits by and against labor organizations. Attorney: Giacchino Russo. Filed: March 19. Case no. 7:15-cv-02086-KMK. Core Construction of NY LLC. Trustees of the Operating Engineers Annuity, Pension, Welfare and Apprenticeship Skill Improvement and Safety Funds. Action: employee pension plan. Attorney: Giacchino Russo. Filed: March 19. Case no. 7:15-cv02083-VB.

Bayer HealthCare Pharmaceuticals Inc. Filed by Lien Huynh. Action: diversity-product liability. Attorneys: Mitchell G. Allen, Scott D. Levensten and Leila Watson. Filed: March 19. Case no. 7:15-cv-02071-CS.

Correct Care Solutions LLC, et al.

Filed by Rhonda Rodriguez. Action: 1983 Civil Rights Act. Attorney: Michael Anthony Dean. Filed: March 24. Case no. 7:12-cv-06335-KMK.

Bayer HealthCare Pharmaceuticals inc. Filed by Alison Justice. Action: diversity-medical malpractice.

Attorneys: John J. Driscoll and Gregory J. Pals. Filed: March 20. Case no. 7:15-cv02128-CS.

DEEDS Above $1 million

Bayer HealthCare Pharmaceuticals Inc. Filed by Angela Kinnard.

Action: diversity-product liability. Attorneys: Brett A. Emison. Filed: March 19. Case no. 7:15-cv-02079-CS.

131-151 Purchase St. Invester 1 LLC, et al, Tuckahoe. Seller: Wappanocca Associates LLC, New York City. Property: 16 Wappanocca Ave., Rye. Amount: $1 million. Filed March 20.

131-151 Purchase St. Investor 1 LLC, et al, Tuckahoe. Seller: 151 Purchase Street Associates LLC, New York City. Property: 151 Purchase St., Rye. Amount: $3.5 million. Filed March 20.

Bridge Management Corp., Brooklyn. Seller: A and H II LLC, Southampton. Property: 270-280 Main St., New Rochelle. Amount: $2.9 million. Filed March 24.

Hudson Riley LLC, Bedford. Seller: John Francan, et al, Mount Kisco.

Property: 179 E. Main St., Mount Kisco.

Amount: $2.5 million. Filed March 23.

Below $1 million 11 Rolling Hills Lane Realty LLC, Harrison. Seller: Marie Promuto, Harrison. Property: 11 Rolling Hills Lane, Harrison. Amount: $800,000. Filed March 20.

118 Wagner Avenue LLC, Mamaroneck. Seller: Daniel J. Bochicchio Jr., Mamaroneck. Property: 118 Wagner Ave., Rye. Amount: $425,000. Filed March 24.

150 Purchase LLC, Cos Cob, Conn.

Seller: 150 OH LLC, Dobbs Ferry. Property: 150 Purchase St., 1A and 1B, Rye. Amount: $700,000. Filed March 18.

19 Mill Street LLC, Greenwich, Conn.

Seller: James Payoute, New York City.

Property: 19 Mill St., Rye. Amount: $550,000. Filed March 24.

2475 Central Ave LLC, Eastchester.

Seller: Austin International Realty LLC, Locust Valley. Property: 2475 Central Park Ave., Yonkers. Amount: $920,000.

Filed March 24.

4 Greenmeadow LLC, Eastchester.

Seller: Eunice Matthews, et al, Port Chester. Property: 50 S. Bleeker St., Mount Vernon. Amount: $300,000.

Filed March 18.

538 Graham Avenue LLC, Brooklyn. Seller: John Zallo Jr., et al, Pelham.

Property: 601 MacQuesten Parkway, Mount Vernon. Amount: $500,000.

Filed March 23.

62 West 1st Street LLC, New Rochelle. Seller: Michael Brescia, Yorktown Heights. Property: 62 W. First St., Mount Vernon. Amount: $450,000.

Filed March 24.

73 Hamilton LLC, Yonkers. Seller: Estate of Filippo L. Milio, et al, Yonkers.

Property: 73 Hamilton Ave., Yonkers.

Amount: $500,000. Filed March 24.

84 Park Avenue White Plains LLC, Scarsdale. Seller: Helen B. Squires, Hollis. Property: 84 Park Ave., White Plains.

Amount: $415,500. Filed March 19.

956 Washington Street LLC, Ossining. Seller: Jack’s Realty Company Inc., Wake Forest, N.C. Property: 956 Washington St., Peekskill. Amount: $335,000.

Filed March 20.

Bank of America N.A. Seller: Francis Malara, White Plains. Property: 7 Woodbine Terrace, Greenburgh.

Amount: $540,000. Filed March 23.

Coolen Homes Inc., Pleasantville.

Seller: Nancy B. Flynn, Stuart, Fla. Property: Brook Manor Lane, Mount Pleasant. Amount: $335,000. Filed March 20.

Dreamville Holding LLC, Yonkers.

Seller: Johnny R. Rios, et al, Yonkers.

Property: 47 Cedar Place, Yonkers.

Amount: $437,000. Filed March 20.

Fannie Mae. Seller: Carl Finger, White Plains. Property: 84 Howard St., Mount Pleasant. Amount: $476,817. Filed March 24.

Federal Home Loan Mortgage Corp. Seller: Steve Hollatz, Bronxville.

Property: 170 Furnace Woods Road, Cortlandt. Amount: $371,089. Filed March 24.

Federal National Mortgage Association. Seller: Joseph A. Ruggiero, Yonkers. Property: 956E Heritage, Somers.

Amount: $320,000. Filed March 18.

Frances Realty Inc., Yorktown Heights. Seller: Jane Dupree Butcher, Yorktown Heights. Property: 623 Birdsall Drive, Yorktown. Amount: $174,000. Filed March 23.

Franklin 44 Corp., Armonk. Seller: Richard Raggo, et al, White Plains.

Property: 48 Avondale Road, White Plains. Amount: $805,000. Filed March 19.

Fussbudget II LLC, Armonk. Seller: Norma Hunter, Pound Ridge. Property: 33 Saddle Ridge Road, Bedford.

Amount: $550,000. Filed March 20.

HSBC Bank USA N.A. Seller: Marcelo Poguio, Harrison. Property: 9 Country Club Lane North, Mount Pleasant.

Amount: $999,000. Filed March 20.

HSBC Bank USA N.A. Seller: Peter A. Goldman, Rye Brook. Property: 308 Mallard Way, C8, Peekskill. Amount: $494,037. Filed March 19.

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JPMorgan Chase Bank N.A. Seller: W. Whitfield Wells, West Palm Beach, Fla. Property: 28 Poplar St., Yonkers.

Amount: $531,885. Filed March 20.

K and M Realty Group Ltd., Purchase. Seller: Town of Rye, Port Chester.

Property: Bowman Ave., Rye. Amount: $120,000. Filed March 18.

Kimball Property Development LLC, White Plains. Seller: The Bank of New York Mellon. Property: 68 Brookside Ave., Mount Vernon. Amount: $155,000. Filed March 19.

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Visit WestchesterCountyJobs.com

or call (203) 595-4262 for more information

March 30, 2015

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GOOD THINGS HAPPENING HEART ASSOCIATION HONORS WALLKILL BANK Recognizing that Americans spend an average of 47 hours per week at work, The American Heart Association has created the Fit-Friendly Program, which provides tools to help businesses create a healthier work environment. Wallkill Valley Federal Savings & Loan is the recipient of the Heart Association’s Gold Achievement Award for working to create a Fit-Friendly worksite.

Bank President and CEO Michael Horodyski, and Debbie Pollard, the bank’s wellness program coordinator, have worked together to establish initiatives to help employees pursue a healthier lifestyle. The bank has also brought in a certified nutritionist

RENOVATED LIBRARY REOPENS The reopening of the Monroe Free Public Library was celebrated with a ribbon-cutting ceremony March 18 after a year of renovation by Vertical Ltd., a general construction firm in Monroe.

The construction included a 2,300-square-foot expansion of the building at 44 Millpond Parkway.

Verticon co-owners Alan and Irving Zuckerman are part of the

Michael Horodyski, Michelle Conrad and Debbie Pollard.

to work with employees on making healthier eating choices and held a weight-loss challenge where employees met weekly to weigh in and discuss their diet and fitness goals. They

WHITE PLAINS HOSPITAL RECEIVES 2015 WOMEN’S CHOICE AWARD White Plains Hospital’s Breast Cancer Program has earned the 2015 Women’s Choice Award as one of America’s best breast centers, acknowledging its dedication to providing exceptional patient care and treatment. Breast cancer is the most common form of cancer (excluding skin cancer) among American women, according to the American Cancer Society, and one in

eight women in the U.S. will develop breast cancer during her lifetime.

By carrying the evidence-based designation of the Women’s Choice Award seal, White Plains Hospital’s Breast Cancer Program has signified its commitment to a global mission to elevate the patient experience for women and all patients. White Plains Hospital is one of only approximately

TWO MKMG PHYSICIANS ARE ‘FORTY UNDER 40’ AWARDEES Two physicians from the Mount Kisco Medical Group Karoline S. Nowillo and Jill L. Brodsky, were recipients of the 2015 Forty Under 40 Awards from the Dutchess County Chamber of Commerce’s celebration honoring 40 of the county’s workers who have an outstanding record of performance in their chosen professions.

Nowillo, a plastic surgeon, is committed to restoring form and function

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March 30, 2015

to those who have been effected either from birth or as a result of trauma or cancer. She is also passionate about reconstructive surgery following either partial or total breast removal.

After graduating from the Massachusetts Institute of Technology with undergraduate degrees in biology and Spanish literature, She earned her medical doctorate and

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have also participated in community walk benefits, which combine their desire to help employees get fit with the bank’s continued commitment to community involvement.

300 centers in the U.S. — and only 14 in New York state — to be recognized as one of America’s Best Breast Centers.

The recognition was achieved by meeting specific criteria, including meeting the National Accreditation Program for Breast Centers (NAPBC) standards from the American College of Surgeons; carrying the seal of the American College of Radiologists as a Breast Imaging Center of Excellence; and scoring above-average on the centers for Medicare and Medicaid services patient satisfaction measures.

completed her plastic surgery residency at the Long Island Plastic Surgical Group and a specialty Fellowship in reconstructive microsurgery at Memorial Sloan-Kettering Cancer Center.

Brodsky received her MD from Albany Medical College and completed her pediatric endocrinology residency at Yale Children’s Hospital, New Haven, Conn. She completed her pediatric endocrinology fellowship at The Children’s Hospital of Philadelphia and is board-certified in pediatric Eendocrinology.

family that constructed the original facility whose doors opened for the first time Nov. 22, 1960. The new library will now have a total square footage of 7,700, allowing for more books, expanded office space and a separate space for children’s services.

Additionally, all the building’s windows have been replaced, opening up views of the pond and giving the space a new look and feel.

NEW MEMBER AT MARSHALL DENNEHEY Harold L. Moroknek has joined the Westchester County office of Marshall Dennehey Warner Coleman & Goggin as a shareholder in the casualty department. Previously, he was a name partner with Hodges Walsh Messemer & Moroknek LLP (now Hodges Walsh & Messemer) in White Plains.

Experienced in a wide array of complex casualty liability matters, Moroknek primarily focuses his practice in the area of transportation litigation, representing trucking, bus, paratransit and similar entities in complex and general coverage litigation. He manages the full spectrum of transportation claims arising from such matters, including personal injury, wrongful death, property damage and product

Harold L. Moroknek

liability claims.

He is also experienced in the area of fraud, with an emphasis on medical provider fraud. In this realm, he has assisted carriers in high-value, highprofile cases involving the recovery of monies paid to fraudulent medical providers.

ROCKLAND LEADERS HONORED DURING BLACK HISTORY MONTH Rockland County Legislator Aron B. Wieder honored two community leaders in the chambers of the Rockland County Legislature during Black History Month in February.

The honorees were Cassandra Edwards, executive director of Advocating for Change, for her work in organizing an annual book drive for public school students in East Ramapo.

Ramona Jones was honored for the work she has done as president of

the East Ramapo Parent Teacher Association Council, coordinating all the PTA units within East Ramapo and the activities the units organize for the benefit of students, their families and their schools.

“It is so important that we continue to recognize leaders in the community whose positive contributions help so many and improve the quality of life in Rockland County,” Wieder said in a statement.

DATES

LEGISLATURE PARTICIPATES IN WOMEN’S HISTORY MONTH

Mahon, coordinator of religion programs at St. Anthony’s Church for more than 50 years; Evelyn BautistaMiller, facilitator at EPIC (Every Person Influences Children) workshops in Spanish for Latino families in need of support and guidance; Smriti Sridhara, a long-standing member and

past president of the India Cultural Society of Rockland, which promotes the cultural heritage of India and performs charitable acts within the community; and Sonia Tracey-McCallum, a founder, past president and active member of The Jamaican Civic and Cultural Association of Rockland.

APR. 8 From left, Alden Wolfe chairman of the Rockland County Legislature; Legislator Aney Paul; Evelyn BautistaMiller; Sonia Tracey-McCallum; Smriti Sridhara; and Kathy McMahon.

THE WARWICK VALLEY CHAMBER OF COMMERCE HAS ANNOUNCED A PARTNERSHIP WITH JET VACATIONS AND CASTLE CRUISES AND TRAVEL FOR A TRIO OF TRAVEL EXCURSIONS. An information seminar will be held at 6:30 p.m. April 8 at Warwick Grove Community Center, 8 Hudson St., Warwick. Representatives of both organizations will go over the details of the trips. The chamber has brochures for all the vacations online at warwickcc.org. For more information and seminar reservations, call 845-986-2720.

THROUGH APR. 30

In recognition of National Women’s History Month, Rockland County Legislator Aney Paul paid tribute to four local women of diverse backgrounds who dedicate themselves to community and volunteer services that enrich the lives and well-being of others. Paul presented the women with Distinguished Service Awards during a ceremony held at the Rockland County Legislature.

“These women make a difference in the lives of others through leadership and compassion,” Paul said in a statement. “They are all involved in programs that reach out to and serve our communities. Through their actions, our communities are made stronger, our citizens become enlightened to a wealth of opportunities that will allow them to achieve and progress in society. These women come from multicultural backgrounds and recognize the needs of our diverse communities. I am proud of all they do.”

The honorees were Kathy Mc-

ORANGE REGIONAL MEDICAL CENTER’S art program is presenting an exhibit of local quilts from members of the Country Quilters Guild of Pine Bush and the Warwick Quilters Guild until April 30. The exhibit includes a wide variety of styles, such as art quilts, small quilts, wall hangings, applique, pieced and patchwork pieces and traditional patterns. The exhibit is on view for free at Orange Regional Medical Center at 707 E. Main St., Middletown.

WCC STUDENTS ON CISCO DREAM TEAM During the National Basketball Association’s All-Star Week activities in February, a group of Westchester Community College students showcased their skills behind the scenes in the field of computer networking.

Thirty students from across the tristate area assisted professional network engineers in deploying Cisco access points and switches and provided on-site support at the NBA venues, hotels and fan events in Manhattan and Brooklyn. Five of the student workers were from Westchester Community

College’s Cisco Networking Academy program: Neil Dandridge of the Bronx, Debbie Huyler of Fishkill, Lawrence Smith of Pelham, Oumar Mane of the Bronx and Eric Barton of White Plains.

The student “dream team” worked eight-hour shifts assisting the engineers in wiring the venues and attaching and registering Cisco IP phones to the NBA network. The team also helped set up the various network printers required by every organization, from the car service to the

various media outlets, used throughout the week.

As the week progressed, the students moved into a support role, helping to troubleshoot issues with the network. Westchester Community College students got to team with professional engineers in addition to students from other institutions, including SUNY Adirondack and SUNY Suffolk, along with two lead instructors – Karen Woodard, from SUNY Adirondack, and Steve Leone from Westchester Community College.

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

TWO AGENTS JOIN HOULIHAN LAWRENCE’S SCARSDALE OFFICE Houlihan Lawrence, the Rye Brookbased real estate firm serving New York City’s northern suburbs, recently announced that Sloane A. Worth and Lisa So Chun Son have joined the firm’s Scarsdale office as associate real estate broker and licensed real estate salesperson, respectfully. The office, at 32 Popham Road, serves the communities of

Scarsdale, Edgemont, Eastchester, Hartsdale, Mamaroneck and New Rochelle.

“We are excited to welcome these two talented agents into our growing folds,” said Lewis Arlt, branch manager, in a statement. “Both bring a notable background and unique set of skills that will benefit our core team, and the expanding Houlihan Law-

rence family as a whole.”

Prior to joining Houlihan Lawrence, Worth served as partner and commercial litigation attorney for nearly two decades at the Law Offices of William Hart LLP. Son began her career in real estate in 2009 after founding Equitable Property Tax Reductions Inc., a tax preparation service.

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March 30, 2015

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GOOD THINGS HAPPENING PHELPS DEPARTMENT RECEIVES ACCREDITATION

TRAINING LEADER JOINS WHITE PLAINS COMPANY Renee Fogarty has joined Strategic Training Solutions of White Plains, a Hospitality Resource Group company, as director of learning and development. In this role, Fogarty will lead the company’s development and facilitation of training programs, including human resource manage-

ment consulting and organizational development and new customized training programs.

Prior to joining HRG, she led the global talent management function for Stryker Orthopaedics and previously worked for Nestle, Kraft and PepsiCo.

HOSPITAL PRESIDENT UPDATES THE COMMUNITY

Dr. Owen O’Neill and nurse Elizabeth Smykowski.

The Department of Hyperbaric Medicine at Phelps Memorial Hospital Center in Sleepy Hollow has received accreditation from the Undersea and Hyperbaric Medical Society, a nonprofit organization serving more than 2,400 members from more than 50 countries. The UHMS clinical hyperbaric medicine facility accreditation program rec-

ognizes hyperbaric facilities that meet a high standard of patient care and facility safety.

Hyperbaric oxygen therapy is a medical treatment during which patients breathe pure oxygen while sitting inside a pressurized chamber. Alone and in combination with standard treatment protocols, the therapy increases the amount of

oxygen dissolved in the blood and expedites the growth of new blood vessels. This enables delivery of more oxygen to tissues and organs of the body, which promotes healing of wounds and damaged tissue.

The hyperbaric chamber at Phelps is the largest in the Northeast and one of the largest in the country, Phelps reported.

From left, Drew Fixell, Daniel Blum, Ken Wray and Anthony Giaccio.

Tarrytown Mayor Drew Fixell, Sleepy Hollow Mayor Ken Wray and Sleepy Hollow Village Administrator Anthony Giaccio attended the first Phelps Community Breakfast, held recently at Doubletree Tarrytown, to hear a presentation by Phelps Me-

morial Hospital Center President and CEO Daniel Blum, who outlined Phelps’ new relationship with North Shore-LIJ Health System and described the construction that has begun on a new MRI facility and lobby and entrance to the hospital.

WILSON ELSER ATTORNEY HONORED BY FORDHAM ALUMNI James S. Brown, of counsel in Wilson Elser’s New York City office, was recently honored at the annual Fordham Law Alumni Association luncheon held at Cipriani in New York City.

Brown, a 1972 graduate of Fordham Law School, received the Medal of Achievement Award, the highest honor given by Fordham Law to its alumni.

A veteran trial attorney, Brown has focused on the defense of medical malpractice claims for more than

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March 30, 2015

30 years. He served as chairman of Wilson Elser’s senior trial group, a group of attorneys that reviews the firm’s high-exposure cases and oversees trial-skills training programs for the firm’s associates.

Throughout his career, Brown has represented many of the major New York metropolitan hospitals and their affiliated physicians and staff members at trial. He led a group of attorneys in the representation of one of the major university-affiliated teaching hospitals in New York City.

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James Brown. Photo by Chris Taggart, courtesy Fordham Law School

FACTS & FIGURES MJMM Realty Group LLC, Mahopac.

Seller: GSG Hill Boulevard Holdings LLC, Yorktown Heights. Property: 3505 Hill Blvd., Unit J, Yorktown. Amount: $239,900. Filed March 24.

Nambuzaka LLC, Briarcliff Manor.

Seller: Anne P. Hodge, Sleepy Hollow.

Property: 7 Holland Ave., Mount Pleasant. Amount: $386,100. Filed March 24.

Nationstar Mortgage LLC. Seller: Pete S. Dampf, et al, White Plains. Property: 220 Ferndale Road, Greenburgh.

Amount: $605,945. Filed March 20.

Ritter Realty Partners LLC, New York City. Seller: Certified Homes Inc., Brooklyn. Property: 6 Ritters Lane, Yonkers. Amount: $186,000. Filed March 23.

YONKERS, 30 Midland Ave. Singlefamily residence; .17 acre. Plaintiff: Wells Fargo Bank National Association.

Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester. Defendant: Anna Maj. Referee: Warren Cohen. Sale: April 8, 9 a.m. Approximate lien: $379,230.53.

YONKERS, 34 Roosevelt St. Twofamily residence; .11 acre. Plaintiff: US Bank National Association. Plaintiff ’s attorney: Gross Polowy LLC; 1775 Wehrle Drive, Williamsville. Defendant: Bonifacio Calixto. Referee: Massimo DiFabio. Sale: April 14, 9:30 a.m. Approximate lien: $574,166.98.

JUDGMENTS

Sejdiu Associates LLC, Yonkers. Seller: Dana M. Lang, Shrub Oak. Property: 1105 E. Main St., Yorktown. Amount: $408,500. Filed March 20.

Advanced Auto Repair Center Inc., Yonkers. $2,390 in favor of LKQ Hunts Point Auto Parts Corp., Bronx. Filed March 20.

The County of Westchester, White Plains. Seller: Village of Tarrytown.

Property: Church Street, Greenburgh.

Amount: $145,000. Filed March 20.

All Temp Heating and Cooling Inc., Peekskill. $4,225 in favor of Johnson Controls Inc., New York City. Filed March 17.

U.S. Bank N.A. Seller: Priscilla Augustin-Lumas, et al, Yorktown Heights.

Property: 50 Meadowsweet Road, Cortlandt. Amount: $297,500. Filed March 18.

Beam Construction Inc., White Plains. $9,629 in favor of International Leak Detection LLC, Des Plaines, Ill. Filed March 16.

FORECLOSURES IRVINGTON, 12 Grinnell St. Singlefamily residence; .06 acre. Plaintiff: Generation Mortgage Co. Plaintiff ’s attorney: Schiller & Knapp, 516-786-9069; 950 New Loudon Road, Suite 310, Latham. Defendant: Thomas Reale.

Referee: Robert Ryan. Sale: April 1, 11 a.m. Approximate lien: $528,167.85.

MOUNT VERNON, 9-11 Amsterdam Place. Three-family residence; .11 acre.

Plaintiff: US Bank National Association. Plaintiff ’s attorney: Gross Polowy LLC; 1775 Wehrle Drive, Williamsville.

Defendant: Francis Desir. Referee: Barbara Lerman. Sale: April 14, 10 a.m. Approximate lien: $822,228.26.

MOUNT VERNON, 431 Sixth Ave. Two-family residence; .09 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff ’s attorney: Stein, Wiener & Roth, 516-742-1212; 1 Old Country Road, Suite 113, Carle Place. Defendant: Sonia Drummond. Referee: James Garvey. Sale: April 1, 10 a.m. Approximate lien: $235,019.06.

OSSINING, 20 Linden Ave. Twofamily residence; .2 acre. Plaintiff: US Bank National Association. Plaintiff ’s attorney: Gross Polowy LLC; 1775 Wehrle Drive, Williamsville. Defendant: Mariana Molina. Referee: Massimo DiFabio. Sale: April 14, 9:30 a.m. Approximate lien: $598,216.99.

RYE BROOK, 8 Phyllis Place. Singlefamily residence; .25 acre. Plaintiff: JPMorgan Chase Bank NA. Plaintiff ’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester. Defendant: Kevin O’Shea.

Referee: Paul Noto. Sale: April 8, 10 a.m.

Approximate lien: $193,687.75.

Dameco Industries Inc., Staten Island. $552,105 in favor of SRC Construction of White Plains LLC, White Plains.

Filed March 19.

Hilltop Farms Nurseries Inc., Croton-on-Hudson. $25,509 in favor of Long Island Compost Corp., Westbury.

Filed March 20.

Levites Realty Company LLC, Yonkers. $2,239 in favor of Interstate Waste Services Inc., Teaneck, N.J. Filed March 16.

Orgco Company Inc., Farmingdale. $6,117 in favor of 460 Saw Mill Center Inc., Yonkers. Filed March 18.

PDP Provision Co., Yorktown. $44,879 in favor of Fancy Foods Inc., Bronx. Filed March 13.

Volmar Construction Inc., Brooklyn. $17,939 in favor of Niche Analysis Inc., White Plains. Filed March 19.

W.W. Patenaude Sons Inc., Mechanicville. $328,150 in favor of District Council 9 Painting Industries, Hawthorne. Filed March 17.

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

Austin, Brian W., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $297,000 affecting property located at 216 Somerstown Road, Katonah. Filed June 12.

Brizuela, Juan Oscar, et al. Filed

by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $434,600 affecting property located at 147 MacQuesten Parkway North, Mount Vernon. Filed June 11.

Merenda, Angelo S., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $602,000 affecting property located at 1146 North Ave., New Rochelle 10804. Filed June 11.

Bronfield, Coralie Joseph, et al.

Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 82 Post St., Yonkers 10705. Filed June 12.

Park, Pil Soung, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $1 million affecting property located at 75 Wildway, Bronxville 10708. Filed June 13.

Brown, Aaron, et al. Filed by Citifinancial Co. Action: seeks to foreclose on a mortgage to secure $380,020 affecting property located at 26 S. Stone Ave., Elmsford. Filed June 11.

Pedraza, Celso, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $80,000 affecting property located at 127 S. Broadway, White Plains 10605. Filed June 11.

Brown, Helen, individually and as voluntary administratrix of the estate of the late Patrick Brown, et al. Filed

by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 412 Union Ave., Mount Vernon 10550. Filed June 11.

Caffiero, Michael, et al. Filed by Federal National Mortgage Association.

Action: seeks to foreclose on a mortgage to secure $312,500 affecting property located at 336 Lakeview Terrace, Hawthorne 10532. Filed June 12.

Campoverde, Angel B., et al. Filed

by Astoria Bank. Action: seeks to foreclose on a mortgage to secure $500,000 affecting property located at 47 Soundview St., Port Chester 10573.

Filed June 12.

Caraiani, Michael, et al. Filed by Wachovia Mortgage FSB. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 173 Route 202, Somers 10589.

Filed June 11.

Clark, Diane, et al. Filed by OneWest Bank FSB. Action: seeks to foreclose on a mortgage to secure $328,250 affecting property located at 14 Wild Oaks Road, Goldens Bridge 10526. Filed June 12.

Dixon, Lillian Lucas, et al. Filed

by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 74 Kingbridge Road West, Mount Vernon 10550. Filed June 13.

Falconer, Thomas J., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $348,800 affecting property located at 85 Main St., South Salem 10590. Filed June 13.

Gomez, Manuel, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 726 Shenandoah Ave., Peekskill 10566. Filed June 12.

Hamilton, Nicholas, et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $307,545 affecting property located at 40 Hartley Ave., Mount Vernon 10550. Filed June 11.

Khalid-Kahn, Roy, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $910,000 affecting property located at 45 Shore Road, Pelham. Filed June 11.

Reid, Warren A., et al. Filed by The Bank of New York. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 213 Lawrence St., Mount Vernon 10552.

Filed June 13.

Scelia, Betty Lea, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $364,000 affecting property located at 124 Frederick St., Cortlandt Manor 10567. Filed June 13.

Skydel, Elliot, et al. Filed by LGF Holdings LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 43 Gladstone Road, New Rochelle. Filed June 11.

Soares, Aderaldo G., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $327,750 affecting property located at 2 Yates Ave., Ossining. Filed June 13.

Solly, Patricia, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $327,000 affecting property located at 532 S. 11th Ave., Mount Vernon 10550. Filed June 13.

Speyer, Joseph, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $180,000 affecting property located at 131 Sidney Court, Yorktown Heights 10598. Filed June 11.

Thomas Kevin, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $487,500 affecting property located at 14 Darwood Place, Hartsdale 10530. Filed June 13.

Thomas, Dionne, et al. Filed by Household Finance Realty Corporation of New York. Action: seeks to foreclose on a mortgage to secure $302,810 affecting property located at 25 Leather Stocking Lane, White Plains 10603. Filed June 13.

Vuille, Katherine L., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $319,074 affecting property located at 25 S. Old Post Road, Croton-on-Hudson 10520. Filed June 13.

Ziegenbein, Karhrman, et al. Filed

by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 7 Lakeside Road, Mount Kisco 10549. Filed June 13.

MECHANIC’S LIENS Castle Port Chester LLC, as owner. $372,564 as claimed by CCC Renovation Inc. Property: in Rye. Filed March 16.

Rabina, Jennifer M., as owner. $24,420 as claimed by King Stone and Masonry, Mount Vernon. Property: in Mamaroneck. Filed March 16.

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

Sole Proprietorships A and M Tri-State Logestic, 1133 Midland Ave., No. 5F, Bronxville 10708, c/o Alberto Marte. Filed March 7.

Alaysiana Daycare, 15 Taylor Road, Elmsford 10523, c/o Ajee Rennalls.

Filed March 7.

Bionic Fitness, 210 Washington Ave., Apt. 3L, Mount Vernon 10553, c/o David Kyer. Filed March 7.

City Mandoul, 126 Saratoga Ave., Third floor, Yonkers 10705, c/o Patrick Tedebaye. Filed March 7.

Comizio Orthodontics/Joseph Comizio DDS, 173 Fisher Ave., Eastchester 10709, c/o Joseph Comizio.

Filed March 7.

Dalias Flower Shop, 1 Park Ave., Store No. 3, Yonkers 10703, c/o Romco Amados Rojas. Filed March 7.

Divine Ho Rizoa’s, 941 McLean Ave., Suite 128, Yonkers 10704, c/o Douglas Simmons. Filed March 7.

Simple Equation, 1350 E. Main St., Suite 284, Shrub Oak 10588, c/o Derek E. Johnson. Filed March 7.

Tater Tots, 61 Grandview Ave., First floor, Port Chester 10573, c/o Nidia Serrano. Filed March 7.

Westchester Psychotherapy, P.O. Box 115, Bronxville 10708, c/o Rosemarie E. Feichtl. Filed March 7.

HUDSON VALLEY BUILDING LOANS Above $1 million Pelton Crossing LLC, Clifton, N.J., as owner. Lender: TD Bank N.A., Ramsey, N.J. Property: in Warwick. Amount: $12.5 million. Filed March 20.

Below $1 million Barone, Richard, et al, as owner.

Lender: Rondout Savings Bank. Property: in Rhinebeck. Amount: $305,000.

Filed March 16.

Mid Hudson Development LLC, as owner. Lender: Rhinebeck Bank. Property: in LaGrange. Amount: $175,000.

Filed March 17.

Murphy, Paul W., et al, Brooklyn, as owner. Lender: Ulster Savings Bank, Kingston. Property: 40 Ridgewood Road, Rochester 12446. Amount: $621,760. Filed March 16.

DEEDS

John P. Valencia Landscaping, 164 Sickles Ave., New Rochelle 10801, c/o John P. Valencia. Filed March 7.

Above $1 million

LE, 158 W. Boston Road, Mamaroneck 10543, c/o Ariel Katz. Filed March 7.

136 Clinton Street LLC, Montgomery. Seller: Academy House LLC, Montgomery. Property: in Montgomery.

Amount: $1.4 million. Filed March 23.

Master Carpet Cleaning, 370 Westchester Ave., 6A, Port Chester 10573, c/o Serguey Padron. Filed March 7.

Midrose Tech, 245 Westchester Ave., No. 751, Port Chester 10573, c/o Ramond Angelori. Filed March 7.

MJ Value Services, 2866 Manor St., Yorktown Heights 10598, c/o John Loperfido. Filed March 7.

Rosemarie Elizabeth Photography, P.O. Box 115, Bronxville 10708, c/o Rosemarie E. Feichtl. Filed March 7.

Rosemarie Feichtl, LMHC, P.O. Box 115, Bronxville 10708, c/o Rosemarie E. Feichtl. Filed March 7.

Scrumptious Petals Artisan Cupcakes, 5 Brundige Drive, Goldens Bridge 10526, c/o Lauren Josephine Morales. Filed March 7.

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18 Railroad Avenue Realty LLC, Warwick. Seller: Newgrange Properties Inc., Warwick. Property: in Warwick.

Amount: $1.8 million. Filed March 23.

655 Sterling Mine LLC, Bronx. Seller: Lisa Felicissimo, Monroe. Property: 655 Sterling Mine Road, Tuxedo. Amount: $2.5 million. Filed March 20.

911 Maple LLC, Middletown. Seller: Nancy L. Sobotor-Littell, et al, Warwick.

Property: in Warwick. Amount: $1.1 million. Filed March 19.

Blooming Grove Holdings LLC, New York City. Seller: Mountainville Estates LLC, Mountainville. Property: in Blooming Grove. Amount: $1.3 million.

Filed March 19.

High Barney Road LLC, Montebello.

Seller: Ryan Scott Karben, Pamona.

Property: in Wawayanda. Amount: $4.1 million. Filed March 19.

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FACTS & FIGURES Allen, Keron E., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $251,750 affecting property located at 11 Mearns Ave., Highland Falls 10928.

Filed Sept. 10.

Lazaros, Harry, et al. Filed by Regina Capital II LLC. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 50 Carol Lane, Poughquag. Filed March 11.

Amodeo, Debra J., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $68,500 affecting property located at 3 Garden St., Hyde Park 12538. Filed March 12.

Leon, Iris D., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 95 Creamery Drive, New Windsor 12553. Filed Sept. 9.

Cruz, Peter, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 138 Ridge Road, Highland Mills 10930.

Filed Sept. 9.

Lorenzo, David, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $181,800 affecting property located at 37 Lincoln Circle, Wallkill 12589. Filed March 13.

Holland, Michael S., et al. Filed

by Deutsche Bank Trust Company Americas. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 720 Lucas Avenue Extension, Hurley 12443. Filed March 19.

Lynn, Diana K., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $482,931 affecting property located at 125 Market Lane, Clinton Corners 12514.

Filed March 17.

Howard, Edward V. Jr., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $142,500 affecting property located at 203 Bower Road, Poughkeepsie 12603. Filed March 4.

Iula, Donna M., et al. Filed by Quorum Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $216,000 affecting property located at 40 Alley Road, LaGrangeville 12540. Filed March 5.

Jermyn, Patrick D., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $515,000 affecting property located at 43 Autumn Chase Drive, Hopewell Junction 12533.

Filed March 11.

Johnson, Harold W., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 128 Summit Ave., Hurley 12443. Filed March 19.

Kjellberg, Jan, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $350,300 affecting property located at 75 Corbin Hill Road, Fort Montgomery 10922. Filed Sept. 9.

Kroner, Christie Anne, et al. Filed by Wells Fargo Home Mortgage Inc. Action: seeks to foreclose on a mortgage to secure $224,315 affecting property located at 40 Harrigan Road, Hopewell Junction 12533. Filed March 17.

Lane, Thomas, et al. Filed by Walden Savings Bank. Action: seeks to foreclose on a mortgage to secure $46,516 affecting property located in Crawford.

Filed Sept. 9.

Laporte, Carol, et al. Filed by Christiana Trust. Action: seeks to foreclose on a mortgage to secure $221,000 affecting property located at 737 and 745 Route 44/55, Highland 12528. Filed March 17.

Madden, Cindy L., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 319 Scotchtown Road, Goshen 10924. Filed Sept. 10.

Mahoney, Dawn M., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 3 Hook Road, Unit 73, Hyde Park 12601. Filed March 17.

Marshall, Lionel, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $144,800 affecting property located at 475 Lower Road, Westtown 10998.

Filed Sept. 10.

March 30, 2015

Nigro, Philip J., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $333,000 affecting property located at 25 N. Winter Park Drive, Hopewell Junction 12533. Filed March 12.

Norman-Kiernan, Peg�y, et al. Filed

by Everbank. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 76 S. Hamilton St., Poughkeepsie 12601. Filed March 9.

Nucifore, Jeffrey W., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $105,100 affecting property located at 21 Greenkill Road, Rosendale 12411. Filed March 17.

Ohlson, Heather, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $144,400 affecting property located at 25 Park St., Kingston 12401. Filed March 13.

Pino, Wilma, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $236,000 affecting property located at 1352 Route 44, Pleasant Valley 12569.

Filed March 13.

Plummer, Shirley M., et al. Filed

by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $137,600 affecting property located at 37 Delafield St., Poughkeepsie 12601. Filed March 5.

Matson, Kathleen M., et al. Filed

by JPMC Specialty Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $143,000 affecting property located at 11 Tompkins Ave., Beacon 12508. Filed March 9.

Portfolio Recovery Associates LLC, et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 16 Aspen Road, Hopewell Junction 12533. Filed March 12.

McCanlis, Gordon A., et al. Filed

by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $212,000 affecting property located at 18 Mapleview Road, Poughkeepsie 12603. Filed March 5.

Prescott, Murray, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $320,766 affecting property located at 29 Crescent Drive, Beacon 12508. Filed March 12.

McCaughey, James R., et al. Filed

by Ulster Savings Bank. Action: seeks to foreclose on a mortgage to secure $280,000 affecting property located at 59 Torre Rock Road, Milan 12571. Filed March 11.

Renz, Stacey L., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 35 Poplar Lane, Middletown 10941. Filed Sept. 10.

McIntosh, Audrey E., et al. Filed

by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $150,636 affecting property located at 5108 Chelsea Cove Drive North, Hopewell Junction 12533. Filed March 5.

Rizzo, Frank, et al. Filed by Mortgage Electronic Registration Systems. Action: seeks to foreclose on a mortgage to secure $280,000 affecting property located at 1 Scotse Road, Wappingers Falls 12590. Filed March 10.

Medina, Kyra A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $237,125 affecting property located at 37 Williams Ave., Newburgh 12550.

Filed Sept. 10.

Layne, James J., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $150,228 affecting property located at 150 Patio Road, Middletown 10941. Filed Sept. 9.

32

Miralles, Daniele, et al. Filed by CMB Bank. Action: seeks to foreclose on a mortgage to secure $236,000 affecting property located at 162 N. Cove Road, Verbank 12585. Filed March 11.

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Rogers, Donna, et al. Filed by Freedom Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $274,196 affecting property located at 51 Gretna Woods Road, Pleasant Valley 12569. Filed March 16.

Ruesseler, Jaime, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $274,000 affecting property located at 42 Netherwood Plaza, Salt Point 12578. Filed March 6.

Ruger, Lauren J., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $268,000 affecting property located at 371 Rossway Road, Pleasant Valley 12569. Filed March 19.

Salomons, Imro E., et al. Filed by OneWest Bank F.S.B. Action: seeks to foreclose on a mortgage to secure $562,500 affecting property located at 49 Continental Road, Warwick 10990.

Filed Sept. 10.

Sansone Herrmann, Palma, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $125,000 affecting property located at 7008 Chelsea Cove North, Hopewell Junction 12533. Filed March 16.

Varghese, Manoj M., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $255,399 affecting property located at 1260 North Ave., Beacon 12508. Filed March 5.

Velez, Madeline, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $217,458 affecting property located at 20 Lippert Drive, New Hampton 10958. Filed Sept. 10.

Washington, Helen, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $232,000 affecting property located at 49 Wurts St., Kingston 12401. Filed March 17.

White, Ernest, et al. Filed by GMAC Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $50,000 affecting property located at 68 Van Deusen St., Kingston 12401. Filed March 18.

Williams, Susan, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $308,700 affecting property located at 238 Fishkill Ave., Beacon 12508. Filed March 11.

Winters, Michelle A., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $158,679 affecting property located at 5174 Route 22, Amenia 12501. Filed March 5.

Wysocki, David M., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $348,500 affecting property located at 25 Circle Hill Road, Poughquag 12570. Filed March 9.

Yoquinto, Thomas D., et al. Filed

by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $229,790 affecting property located at 12 Thistle Lane, Middletown 10940. Filed Sept. 10.

Zerilli, Stephen A., et al. Filed by Green Tree Servicing LLC. Action: seeks to foreclose on a mortgage to secure $106,000 affecting property located at 86 Prospect Ave., Goshen 10924. Filed Sept. 10.

MECHANIC’S LIENS 382 Golf Links LLC, Great Neck, as owner. $38,201 as claimed by Alpine Environmental Consultants Inc., Montgomery. Property: 382 Golf Links Road, New Hampton 10958. Filed March 20.

Hughes, Brian, et al, Monroe, as owner. $8,765 as claimed by Peak Construction, Fishkill. Property: 2 Windgate Road, Monroe 10950. Filed March 19.

White Pine Associates LLC, Newburgh, as owner. $2,640 as claimed

by E. Tetz and Sons Inc., Middletown.

Property: 392 Plattekill Road, Marlboro 12524. Filed March 16.

NEW BUSINESSES

Digital Hudson, 298 Ohayo Mountain Road, Woodstock 12498, c/o Timothy H. Moore. Filed March 18.

Domane Pharmaceutical Transport, 15 Sproat St., Middletown 10940, c/o Shane Omar Cargill. Filed June 12.

Fettuccia Yarn, 74 Ulster Delaware Turnpike, Shandaken 12441, c/o Barbara M. Caiti. Filed March 13.

Fulton Accurate Timing, 176 Hawleys Corners Road, Highland 12528, c/o Timothy Fulton. Filed March 19.

G W Moveing and Landscape, 8 Marcy Lane, Middletown 10941, c/o Glenroy A. Watson. Filed June 11.

Goods2Go, 3 Radomsk Way, No. 302, Monroe 10950, c/o Paulette Weisz.

Filed June 10.

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

GreenMountain Enrichment and Empowerment Center, 13 Sapphire Road, Monroe 10950, c/o Karen S. Monteverdi. Filed June 11.

Doing Business As

Hair By Kacie, 45 Ralph Brach Drive, Wallkill 12589, c/o Kacie Hammond.

Filed March 17.

Grafe’s Bike Drive Ltd., d.b.a.

Grafe’s Bike Drive, 67 Washington St., Middletown 10940. Filed June 10.

Torino Pizza Inc., d.b.a. Stella’s Pizza, 353 Carter Ave., Newburgh 12550.

Filed June 10.

Partnerships H and H Cleaning, 11 Frances Place, Tillson 12486, c/o Hannah L. Mason and Michael S. Hornbeck. Filed March 16.

House Envy, 77 Stella Drive, Gardiner 12525, c/o Leslie R. Wayne-Catanzaro.

Filed March 13.

Joe Dietz Electric, 478 Springtown Road, New Paltz 12561, c/o Joseph E. Dietz. Filed March 16.

KANT Even Spell It, 18 Glenwood Drive, Wallkill 12589, c/o Otto J. Dudas.

Filed March 13.

Kelli Gilmore, 29 Village Drive, Saugerties 12477, c/o Kelli Rae Gilmore.

Filed March 17.

One Epic Place, 257 ½ Main St., New Paltz 12561, c/o Julia J. Robbins and Nicole F. Langlois. Filed March 18.

Lady Bug, 9 Valley Ave., Newburgh 12550, c/o Diane Rich. Filed June 10.

Sole Proprietorships

Modern Men, 6 Coach Lane, Newburgh 12550, c/o Almando Churchill Tingling Jr. Filed June 11.

A Plus Auto Detailing, 367 Broadway, Newburgh 12550, c/o Sherlan W. Simpson. Filed June 10.

Above Average Auto, 29 Cotter Road, Highland 12528, c/o Ryan C. Coppola. Filed March 18.

All U Need, 39 Hilltop Drive, Monroe 10950, c/o Sean O’Blenis. Filed June 12.

Be Here Now, 61 S. Partition St., Saugerties 12477, c/o David L. Balaban.

Filed March 18.

BG Canvas Studio, 2 Clermont Lane, Saugerties 12477, c/o Briana Gowen.

Filed March 16.

C and J General Contractor, 198 Ten Broeck Ave., Kingston 12401, c/o Santos Guevara. Filed March 19.

Captain Spotless, 11 Belvedere St., Kingston 12401, c/o Jose V. Sandoval Gonzalez. Filed March 19.

Crane Construction, 4 Michelle Drive, No. 2, Gardiner 12525, c/o Stephen Rodriguez. Filed March 16.

PJ Contracting, 1796 Route 9W, Milton 12547, c/o Paul T. Jean. Filed March 17.

PK Cleaning Service, 30 Fallkill Road, Hyde Park 12538, c/o Philip O. Klotz. Filed March 17.

S Winum Landscaping, 1318 Highway 17, Walden 12586, c/o Seth Winum.

Filed June 12.

The Artist Within, 1213 Route 9W, Marlboro 12542, c/o Patricia M. DeAngelis. Filed March 13.

The Vokar Group, 28 W. Chester St., Kingston 12401, c/o Paul D. Rakov. Filed March 13.

UC Wildlife, 17 John St., Rosendale 12472, c/o Sean Robert Marinucci. Filed March 18.

Yoga Mountain Retreats, 8 Cicero Ave., New Paltz 12561, c/o Wade A. Spiner. Filed March 18.

VISIONARY VACUUM? WHAT MAKES SOME AREAS DAZZLING AND OTHERS JUST PLAIN BORING? This Westfair program on development and real estate will reveal the obstacles to creativity in our local towns, villages and cities. Is there a vision vacuum among our elected and appointed officials or are fear, economics and regulations too overwhelming?

DATE: TUESDAY, MAY 19 TIME: 11:30 A.M. TO 1 P.M. LOCATION: THE WATERS EDGE AT GIOVANNI’S 2748 POST ROAD, DARIEN, CONN.

HEAR WHAT OUR EXPERT PANELISTS HAVE TO SAY DISCUSSION MODERATOR

SAL CAMPOFRANCO

LUIZ ARAGON

RALPH DIBART

W. MARK KEENEY

Founder and Managing Member Luzern Associates LLC Westport

Development Commissioner New Rochelle

Executive Director Business Improvement District, New Rochelle

Managing Partner Abbey Road Advisors LLC Fairfield

SPONSOR

Presented by The Westchester and Fairfield County Business Journals and WAG magazine To RSVP visit westfaironline.com For more information, call Holly DeBartolo at 914-358-0743 or email hdebartolo@westfairinc.com.

WCBJ | HV Biz

March 30, 2015

33

LEGAL NOTICES 722 COMMERCE, LLC, Arts. of Org. filed with the SSNY on 10/17/2014. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 722 Commerce St., Thronwood, NY 10594. Reg Agent: Pellegrino & Company, 22 Saw Mill River Road, Hawthorne, NY 10532. Purpose: Any Lawful Purpose. #59835

Notice of formation of MOUNT KISCO PRODUCTS LLC . Art. Of Org. filed with the Sectíy of State of NY (SSNY) on 02/23/15. Office in Westchester County.

SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 185 McLain Street Mount Kisco, NY 10549. Purpose: Any lawful purpose #59849

NOTICE OF FORMATION OF 4 SCOTT CIRCLE PARTNERS, LLC. Arts of Org filed with Secy of State of NY (SSNY) on 01/07/15. Office location: Westchester County. SSNY designated agent upon whom process maybe served and shall mail copy of process against LLC to principal business address: 645 N. Broadway,White Plains, NY 10603.

Purpose: any lawful act. #59865

ANTHONY BULFAMANTE EQUITIES III LLC, a domestic LLC, filed with the SSNY on 2/10/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 68 Marion Dr., New Rochelle, NY 10804. General Purposes. #59836

Notice of Cert. of Conv. of Redhead Writes, a general partnership, to Redhead Writes LLC, a limited liability company (LLC). Cert. of Conversion filed with SS NY on 2/18/15. Office location: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of any process to: c/o The LLC, 8 Riverview Terr., Irvington, NY 10533.

Purpose: to engage in any lawful act or activity. #59850

Notice of formation of Limited Liability Company (LLC). Name: STAY PRAYED UP, LLC (stayprayerful.org). Articles of Organization were filed with the Secretary of State of New York (SSNY) on 02/02/15. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served.

SSNY shall mail a copy of process to: C/O STAY PRAYED UP, LLC, 77 Locust Hill Ave. Apt. 329, Yonkers NY 10701.

Purpose: Any Lawful Purpose. #59866

Notice of Formation of Dowe Partners LLC. Art. of Org. filed with SSNY on 11/20/14. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served.

SSNY shall mail process to the LLC, 42 Forest Lane, Bronxville,NY 10708.

Purpose: Any lawful purpose #59838 Notice of Formation of RIVERTOWNS STAGING LLC. Arts. of Org. filed with SSNY on 11/19/14. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o THE LLC, 55 Walgrove Ave., Dobbs Ferry, NY 10522. Purpose: all lawful activities. #59840 Notice of Formation of BLUESTONE 53, LLC. Arts. of Org. filed with SSNY on 1/16/15. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o THE LLC, 12 Water St., #204, White Plains, NY 10601. Purpose: all lawful activities. #59841 Notice of Formation of GERALD H. HYMAN, DMD, PLLC Arts. of Org. filed with SSNY on 12/5/14. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o THE LLC, 242 Robert Dr., New Rochelle, NY 10804. Purpose: to engage in the practice of dentistry. #59842 Notice of Formation of 3225 EAST TREMONT ASSOCIATES, LLC. Arts. of Org. filed with SSNY on 1/22/15. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o THE LLC, 12 Water St., #204, White Plains, NY 10601. Purpose: all lawful activities. #59843 Notice of Formation of PROTEALAB LLC. Arts. of Org. filed with SSNY on 12/3/14.

Office location: Westchester County.

SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o THE LLC, 85 Brevoort Ln., Rye, NY 10580. Purpose: all lawful activities. #59844 Notice of Formation of STELLAR SOLUTIONS, LLC. Arts. of Org. filed with SSNY on 1/13/15. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o THE LLC, 66 Miller Ave., Tarrytown, NY 10591. Purpose: all lawful activities. #59845 Notice of Formation of 323 EAST 53RD HOLDING, LLC. Arts. of Org. filed with SSNY on 1/16/15. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o THE LLC, 12 Water St., #204, White Plains, NY 10601. Purpose: all lawful activities #59846 Notice of Formation of 323 EAST 53RD ASSOCIATES, LLC. Arts. of Org. filed with SSNY on 1/16/15. Office location: Westchester County. SSNY designated as agent of LLC whom process against may be served. SSNY shall mail process to: c/o THE LLC, 12 Water St., #204, White Plains, NY 10601. Purpose: all lawful activities. #59847 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). OLIVER ENTERPRIZE, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 02/09/15. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served.

SSNY shall mail a copy of process to: OLIVER ENTERPRIZE, PO BOX 435, Yonkers, New York 10703, principal business location of the LLC. Purpose: any lawful business activity. #59848

34

March 30, 2015

PB VENTURES LLC, a domestic LLC, by way of conversion from a general partnership f/k/a PB Investments filed with the SSNY on 1/28/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Cary Potkin, 13 Rolling Hills Ln., Harrison, NY 10528. General Purposes. #59851 SAIMS LLC, Arts. of Org. filed with the SSNY on 01/15/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 20 Winterberry Ln., Briarcliff Manor, NY 10510. Purpose: Any Lawful Purpose #59852 NOTICE OF FORMATION OF VIA WILLOW, LLC Arts. of Org. filed w/ Secy of State of NY on 02/12/15, Office loc: Westchester Cty, SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 460 North Main St, Port Chester, NY 10573. Purpose: Any lawful activity. #59853

Notice of Formation of Shorepoint Holdings, LLC Art. Of Org. filed with SSNY on 2/27/2015. Office Location: Westchester Cty. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to:Kurt Reich, 624 Oakhurst Rd.Mamaroneck NY 10543.Purpose: any lawful purpose. #59867 Notice of Formation of Rockland Capital LLC. Arts of Org. filed with NY Secy of State (SSNY) on 2/27/15. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 3 Stratford Road, Larchmont, New York 10538. Purpose: any lawful activity. #59868 Notice of Formation of Greenberg & Chester LLC. Art. Of Org. filed with SSNY on 1/23/15. Office in Westchester County.

SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 141 Nob Hill Dr. Elmsford, NY, 10523.

Purpose: any lawful purpose. #59870

Pop & Bessieís, LLC, Art. of Org. filed with Secy. Of State (SSNY) 11/17/14.

Office Location: Westchester County.

SSNY designated as agent of LLC upon whom process against it may be served.

SSNY shall mail copy of process to: The LLC, 80 Guion Place, Apt. 9Y, New Rochelle, NY 10801. Purpose: Any lawful acts or activities. #59855

NOVO CAPITAL ADVISORS LLC, Arts. of Org. filed with the SSNY on 03/03/2015.

Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Michael Nessim, 530 E. 76th St., #9C, NY, NY 10021. Purpose: Any Lawful Purpose. #59871

Notice of Formation of Empire Drafting LLC. Art. Of Org. filed with SSNY on 02/18/15. 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, 740 Gramatan Ave, Mount Vernon, NY 10552.

Purpose: any lawful purpose. #59856

MP FISH LLC, Arts. of Org. filed with the SSNY on 03/03/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: C/O Steinvurzel & Levy Law Group, 34 South Broadway, White Plains, NY 10601. Purpose: Any Lawful Purpose. #59872

Notice of Formation of Karen D. Kipnes, LLC. Art. Of Org. filed with NY Secy. of State (SSNY) on 12/15/14. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC, upon whom process against it may be served. SSNY shall mail process to the LLC, 33 Rock Shelter Road, Waccabuc, NY 10597. Purpose: any lawful purpose #59857 Notice of Formation of TarryTel, LLC. Arts. of Org. filed with SSNY on 02/23/15. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served.

SSNY shall mail process to the LLC, 28 W Elizabeth St, Tarrytown, New York 10591. Purpose: any lawful act or activity. #59859 Notice of Formation of Katonah Consulting, LLC. Art. Of Org. filed with SSNY on Jan. 20, 2015 Office Location: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to: 37 Cedar Road East, Katonah, NY 10536. Purpose: any lawful purpose. #59860 BOATING TIMES NEW YORK, LLC, a domestic LLC, filed with the SSNY on 2/6/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 5 Hilltop Dr., Cortland Manor, NY 10567. General Purposes. #59861 KIMBALL DENTISTRY, PLLC, a Prof. LLC. Arts. of Org. filed with the SSNY on 02/23/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 300 Kimball Ave., Yonkers, NY 10704.

Purpose: To practice the profession of Dentistry. #59864

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PBGS LA ROCHELLE REALTY, LLC, a domestic LLC, filed with the SSNY on 2/17/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 510 North Ave., New Rochelle, NY 10801. General Purposes. #59873 85-87 GAINSBORG AVE LLC , a domestic LLC, filed with the SSNY on 2/5/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Robert Barbera, 4 Mayfair Rd., Elmsford, NY 10523. General Purposes. #59874 321 E 93 LLC, a domestic LLC, filed with the SSNY on 5/25/05. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Vincent Ventura, 1586 First Ave., NY, NY 10028. General Purposes. #59875 Notice of Formation of 30ne- Thirty, LLC. Arts of Org. filed with SSNY on 11/14/2014. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: P.O. Box 1318. 15 South 1st Ave. Mount Vernon, NY 10550. Purpose: any lawful act or activity. #59876 Notice of formation of Limited Liability Company (ìLLCî). Name: BKKJ Property Services LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on 3/4/15.

N.Y. office location: Westchester County.

The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to BKKJ Property Services LLC, 240 Underhill Avenue, Apartment 2, Yorktown Heights, New York 10598. Name/address of each member available from SSNY. Purpose: any lawful activity. #59877

Notice of Formation Artemis Development LLC Arts. of Org. filed with SSNY 3/5/15. Off. Loc.: Westchester Cnty.

SSNY designated as agent of LLC whom process may be served. SSNY shall mail process to: c/o the LLC, 24 Ridge Street, Katonah, NY 10536. Purpose: all lawful activities. #59878 Notice of Formation Action Brand Advisers LLC Arts. of Org. filed with SSNY 3/4/15. Off. Loc.: Westchester Cnty.

SSNY designated as agent of LLC whom process may be served. SSNY shall mail process to: c/o the LLC, 3 Green Acres Drive, Rye, NY 10580. Purpose: all lawful activities. #59879 CGC ADVISORY GROUP LLC, a domestic LLC, filed with the SSNY on 3/3/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served.

SSNY shall mail process to The LLC, 180 Jackson Ave., Pelham, NY 10803. General Purposes. #59880 SIGNATURE PAINT & PAPER, LLC, a foreign LLC, filed with the SSNY on 2/10/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 44 Cliffdale Rd., Greenwich, CT 06831. General Purposes #59881 Notice of formation of Ground Up Estates, LLC. Articles of Org. filed with NY Secretary of State (SSNY) on 4/12/13, office location: Westchester County. Princ. office of LLC: 4 Martine Ave, Suite 612 White Plains, NY 10606.

SSNY designated as agent upon whom process may be served. SSNY shall mail process to the LLC at the addr. of its princ. office. Purpose: Any lawful activity. #59882 Notice of Formation of ALL IN ONE REALTY LLC Art. of Organization filed with SSNY on 11/12/14 Office location Westchester County SSNY designated as Agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, c/o David Nigrelli, Esq. 465 Columbus Avenue, Suite 120, Valhalla, NY 10595 Purpose: any lawful business activity. #59883 190 VALLEY STREET LLC, Arts. of Org. filed with the SSNY on 03/11/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: 427 Manville Rd., Pleasantville, NY 10570. Purpose: Any Lawful Purpose. #59884 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: FETE BOITE, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 1/30/2015. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, 63 2nd Street, Harrison, New York 10528, principal business location of the LLC. Purpose: any lawful business activity. #59886 Notice of Formation of Around Your Town Home Inspections,LLC. Art. Of Org. filed with the Sect’y of State of NY (SSNY) on 2/03/2015. Office in Westchester Counnty. SSNY has been designated as agent of the LLC upon whom process against it may be served.

SSNY shall mail process to: United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228.

Purpose: any lawful purpose. #59887 NOTICE OF FORMATION OF LIMITED LIABILITY COMPANY (LLC). NAME: FPT Consulting, LLC. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 11/24/14. Office location: Westchester County. The NY Secretary of State is designated as the agent of the LLC upon whom process may be served, and the address a copy shall be mailed is 34 Waterview Drive, Ossining, NY 10562 #59888 3 TO 5 DESIGN & CONSULTING LLC, a domestic LLC, filed with the SSNY on 2/6/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to The LLC, 538 Westchester Ave., Rye Brook, NY 10573. General Purposes. #59889 Notice of Formation of Jawdropper Innovations, LLC Art. Of Org. filed with SSNY on 2/12/15. 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, 100 Parkway Road apt 5B, Bronxville, NY 10708. Purpose: any lawful purpose. #59890

Notice of formation of: Start Med Life, LLC. Articles of Organization filed with SSNY on 1/27/15. Office location: Westchester Co. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 1155 Warburton Ave, #4S Yonkers, NY 10701. Purpose: any lawful business activity #59891 Notice is hereby given that an on-premise license, #TBA has been applied for

by Lake Street Restaurant Group LLC to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 97 Lake Street West Harrison NY, 10604. #59892 Notice of Formation of Private Care Registered Professional Nursing, PLLC. Arts. of Org. filed with SSNY on 2/18/15.

Office in Westchester County. SSNY designated as agent of the PLLC upon whom process against it may be served.

SSNY shall mail process to the PLLC, c/o United States Corporation Agents, Inc., 7014 13th Ave, Ste 202, Brooklyn, NY 11228. Purpose: any lawful purpose #59893 Notice is hereby given that an Application for an On-Premises Liquor License, serial number 1284842, has been applied for by the undersigned in a Restaurant under the Alcoholic Beverage Control Law at 2575 2595 Central Park Ave., Yonkers, New York 10710. Westchester County/s/ Sciara Pizza LLC d/b/a Pizza Beat #59894 Notice of Formation of Gosling Media, LLC. Art. Of Org. filed with SSNY on 12/3/15. 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, 12 Gene Place, White Plains, NY 10605. Purpose: any lawful purpose. #59895 Notice of formation of CONEXIS MEDIA, LLC. Art. Of Org. filed with the Sectíy of State of NY (SSNY) on 10/17/14. Office in Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served.

SSNY shall mail process to the LLC, 9 Beck Ave Rye, NY 10580. Purpose: Any lawful Purpose #59896 AKKRO LLC, a domestic LLC, filed with the SSNY on 3/5/15. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to Poko Management, 225 Westchester Ave., Pt. Chester, NY 10573.

General Purposes. #59897 Notice is hereby given that an on-premise license, #TBA has been applied for

by Panini Bros Inc. to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 321 North Main Street Port Chester, NY 10573. #59898 Notice is hereby given that an on-premise license, (EIN#) 46-3975413 has been applied for by Hacienda Azteca Deli Corporation to sell beer, wine and liquor at retail in an on premises establishment.

For on premises consumption under the ABC law at 260 Saw Mill River Road in Elmsford NY 10523. #59899 Sweet Nothings Foods, LLC. Arts of Org. filed with NY Secy of State (SSNY) on 3/20/15 beginning 4/1/15 and perpetually existing. Office location: Westchester County. SSNY is designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Roni L. Jacobson, Esq., 5 Old House Lane, Chappaqua, NY 10514. Purpose: any lawful activity. Dana Jacobson, Organizer (signature), 1 City Place, #1909, White Plains, NY 10601, the business address #59901 FAMILY WELLNESS PHYSICAL THERAPY LLC, a Prof. LLC, Arts. of Org. filed with the SSNY on 03/06/2015. Office loc: Westchester County. SSNY has been designated as agent upon whom process against it may be served. SSNY shall mail process to: 25 Vernon Drive, Scarsdale, NY 10583. Purpose: To Practice The Profession Of Physical Therapy. #59902 Notice of Formation of JOEBMW MOTORSPORT, LLC Art. Of Org. filed with SSNY on 3/3/15. 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, 20 Skywood Court, Yonkers, NY 10710. Purpose: any lawful purpose.

Ad# 59903 Notice of Formation: Williamson and Young LLC. Art. of Org. filed with SSNY 1/22/15. Offc Loc Westchester Cnty.

SSNY design as agent of LLC upon who process against it may be served. SSNY shall mail process to 39 Quaker Hill Dr Croton on Hudson, NY 10520 Purpose: any lawful purpose Ad # 59839

SUMMONS Index No. 61923/2014 D/O/F: August 1, 2014 Premises Address: 443 UNION AVENUE MOUNT VERNON, NY 10550 SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER JAMES B. NUTTER & COMPANY, Plaintiff, -againstANGELA WILLOUGHBY AS HEIR AT LAW AND NEXT OF KIN OF MARGARET WILLOUGHBY; JAMES THOMPSON AS HEIR AT LAW AND NEXT OF KIN OF MARGARET WILLOUGHBY; MICHELLE WILLOUGHBY AS HEIR AT LAW AND NEXT OF KIN OF MARGARET WILLOUGHBY; JOHN DOE 1 THROUGH 50; JANE DOE 1 THROUGH 50, INTENDING TO BE THE UNKNOWN HEIRS, DISTRIBUTES, DEVISEES, GRANTEES, TRUSTEES, LIENORS, CREDITORS, AND ASSIGNEES OF THE ESTATE OF MARGARET WILLOUGHBY WHO WAS BORN ON MAY 31, 1931 AND DIED ON MARCH 22, 2012, A RESIDENT OF THE COUNTY OF WESTCHESTER, THEIR SUCCESSORS IN INTEREST IF ANY OF THE AFORESAID DEFENDANTS BE DECEASED, THEIR RESPECTIVE HEIRS AT LAW, NEXT OF KIN, AND SUCCESSORS IN INTEREST OF THE AFORESAID CLASSES OF PERSON, IF THEY OR ANY OF THEM BE DEAD, AND THEIR RESPECTIVE HUSBANDS, WIVES OR WIDOWS, IF ANY, ALL OF WHOM AND WHOSE NAMES AND PLACES OF RESIDENCE ARE UNKNOWN TO THE PLAINTIFF; EQUITABLE ASCENT FINANCIAL LLC; GROTON & BRUNEY LLC; BOGUSZ JAROSLAW; MT. VERNON HOSPITAL; NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE; PEOPLE OF THE STATE OF NEW YORK; SUMMIT BANK; UNITED STATES OF AMERICA INTERNAL REVENUE SERVICE; WESTCHESTER COUNTY SOCIAL SERVICES; UNITED STATES OF AMERICA O/B/O SECRETARY OF HOUSING AND URBAN DEVELOPMENT;; ‘’JOHN DOES’’ and ‘’JANE DOES,’’ said names being fictitious, parties intended being possible tenants or occupants of premises and corporations, other entities or persons who have, claim, or may claim, a lien against, or other interest in, the premises, Defendant(s), TO THE ABOVE NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED to answer the Complaint in this action, and to serve a copy of your Answer, or, if the Complaint is not served with this Summons, to serve a Notice of Appearance on the Plaintiff’s Attorneys within twenty (20) days after the service of this Summons, exclusive of the day of service, where service is made by delivery upon you personally within the State, or within thirty (30) days after completion of service where service is made in any other manner, and in case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint.

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

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

Sending a payment to your mortgage company will not stop this foreclosure action.

YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. The following notice is intended only for those defendants who are owners of the premises sought to be foreclosed or who are liable upon the debt for which the mortgage stands as security.

YOU ARE HEREBY PUT ON NOTICE THAT WE ARE ATTEMPTING TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. The present amount of the debt as of the date of this summons: $340,469.38, consisting of principal balance of $338,069.18 plus interest of $511.27, Service Fees of $25.00; escrow/impound shortages or credits of $0.00, Mortgage Insurance Premium charges of $138.93; late charges of $0.00; Brokerís Price Opinion, inspection and miscellaneous charges of $0.00; attorney fee $1,450.00 and title search $275.00.

Because of interest and other charges that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive the check, in which event we will inform you.

The name of the creditor to whom the debt is owed: JAMES B. NUTTER & COMPANY. Unless you dispute the validity of the debt, or any portion thereof, within thirty (30) days after receipt hereof, the debt will be assumed to be valid by Rosicki, Rosicki & Associates P.C. If you notify Rosicki, Rosicki & Associates P.C in writing within thirty (30) days after your receipt hereof that the debt, or any portion thereof, is disputed, we will obtain verification of the debt or a copy of any judgment against you representing the debt and a copy of such verification or judgment will be mailed to you by Rosicki, Rosicki & Associates P.C. Upon your written request within 30 days after receipt of this notice, Rosicki, Rosicki & Associates P.C will provide you with the name and address of the original creditor if different from the current creditor.

Note: Your time to respond to the summons and complaint differs from your time to dispute the validity of the debt or to request the name and address of the original creditor. Although you have as few as 20 days to respond to the summons and complaint, depending on the manner of service, you still have 30 days from receipt of this summons to dispute the validity of the debt and to request the name and address of the original creditor.

TO THE DEFENDANTS, except: The Plaintiff makes no personal claim against you in this action.

TO THE DEFENDANTS: If you have obtained an order of discharge from the Bankruptcy court, which includes this debt, and you have not reaffirmed your liability for this debt, this law suit is not alleging that you have any personal liability for this debt and does not seek a money judgment against you. Even if a discharge has been obtained, this lawsuit to foreclose the mortgage will continue and we will seek a judgment authorizing the sale of the mortgaged premises.

Dated: July 30, 2014 Joshua P. Smolow, Esq. ROSICKI, ROSICKI & ASSOCIATES, P.C. Attorneys for Plaintiff Main Office: 51 E Bethpage Road Plainview, NY 11803 516-741-2585 Help For Homeowners In Foreclosure New York State Law requires that we send you this notice about the foreclosure process. Please read it carefully. Mortgage foreclosure is a complex process. Some people may approach you about ìsavingî your home. You should be extremely careful about any such promises. The State encourages you to become informed about your options in foreclosure. There are government agencies, legal aid entities and other non-profit organizations that you may contact for information about foreclosure while you are working with your lender during this process. To locate an entity near you, you may call the toll-free helpline maintained by the New York State Banking Department at 1-877-BANKNYS (1-877-226-5697) or visit the Departmentís website at www.banking.state.ny.us. The State does not guarantee the advice of these agencies. #59885

FACES& PLACES

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WCA WELCOMES NORTH SHORE-LIJ TO WESTCHESTER The Westchester County Association held a private reception at the Westchester Country Club on March 10 to honor Michael Dowling, president and CEO of North Shore-LIJ Health System, and to welcome the Long Island-based health system to Westchester. The expansion of North Shore-LIJ — the largest private employer in New York state and one of the largest health systems in the nation — highlights the rapid growth of the health care and health tech sector, now a $15 billion economic engine in Westchester and the region, and signals Westchester County’s emergence as a national health care hub, WCA officials said.

1. David Battinelli, MD, and Laura Peabody, JD, of North Shore-LIJ. 2. Chris Sclafani and Kevin Conroy, of Mount Kisco Medical Group, and Alan Murray of CareConnect.

3. Amy Allen and Marissa Brett, of WCA, and Michael Dowling of North Shore-LIJ. 4. William Mooney Jr., Russell Carpentieri of Opus Advisory, Joe Simone of Simone Development Cos. and Tom Thornton of North Shore Ventures.

5. Mary Jane O’Connell and Isabelle Frank, of Fordham University, and Kathleen Golisz and Joan Toglia, of Mercy College.

6. Scott Hayworth of Mount Kisco Medical Group, Michael Dowling of North Shore-LIJ and Westchester County Executive Robert Astorino.

7. Anthony Mormile of Tompkins Mahopac Bank, David Crane of Mobile Health One and John Bryan of Citrin Cooperman.

8. Patrice Koeneke of Northern Westchester Hospital, Daniel Blum of Phelps Memorial Hospital and Sue Etkin of Northern Westchester Hospital.

9. Joel Seligman of Northern Westchester Hospital, Ralph Nappi of North ShoreLIJ and Mark Vincent of Northern Westchester Hospital.

10. Michael Dowling of North Shore-LIJ. 11. Michael Kaplowitz, chairman of the Westchester County Board of Legislators.

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WCBJ | HV Biz

March 30, 2015

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2015

ABOVE THE BAR AWAR D S NINTH ANNUAL COUNTYWIDE AWARDS PROGRAM RECOGNIZING OUTSTANDING WESTCHESTER ATTORNEYS

SAVE THE DATE: JUNE

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TUDOR ROOM PACE LAW SCHOOL 78 N. BROADWAY WHITE PLAINS

PRESENTED BY: • CITRIN COOPERMAN • WESTCHESTER COUNTY BUSINESS JOURNAL • PACE UNIVERSITY SCHOOL OF LAW • WESTCHESTER COUNTY BAR ASSOCIATION • WESTCHESTER WOMEN’S BAR ASSOCIATION

Visit westfaironline.com for the nominating process. Each nomination should consist of a minimum of 200 words based on the criteria provided.

Please submit your nomination and a copy of the nominee’s CV no later than April 22. For more information or questions, call Holly DeBartolo at (914) 694-3600, ext. 3006, or email hdebartolo@westfairinc.com.

Nominations close April 22

A CALL FOR

NOMINATIONS Members of the Westchester business and legal communities are encouraged to nominate, pursuant to the criteria, one or more candidates for the following prestigious award categories: PACE SETTER AWARD: Candidate exemplifies overall excellence in professional and community work, prominence in the Westchester legal profession and fierce determination to being as good an attorney as possible. The highest award, the candidate must be well respected by peers and community.

MOST SOCIALLY CONSCIOUS AWARD: Candidate is dedicated to one or more causes in the community as an active member or leader and has a significant history of pro bono legal or government service, which warrant praise and recognition by peers and community.

LEADING HEALTH CARE ATTORNEY: Candidate has concentrated his/her legal expertise within the area of health care and distinguished him/herself as a leading health care attorney among his/her peers.

LEADING REAL ESTATE ATTORNEY: Candidate has concentrated his/her legal expertise within the area of real estate, including land use, development and zoning matters and distinguished him/herself as a leading real estate attorney.

MOST PROMISING PACE LAW SCHOOL STUDENT: Candidate, in his/her third year, who through passion and enthusiasm for the law, high scholastic achievement and initiative and involvement in school and community activities will be a promising member of the legal profession.

“WITHOUT QUESTION WINNING THE ABOVE THE BAR AWARD IS ONE OF THE MANY HIGHLIGHTS OF MY LEGAL CAREER, BUT ITS MEANING IS FAR GREATER. IT CELEBRATES THE RULE OF LAW IN OUR PROFESSION AND IT RECOGNIZES ALL LAWYERS WHO FIGHT FOR THE RIGHTS OF OTHERS.” Tejash V. Sanchala 2012 Above The Bar Award Recipient Leading Labor & Employment Attorney

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