Westchester County Business Journal 090417 by Westfair Business Journal

3 | COMICS AND MORE SEPTEMBER 4, 2017 | VOL. 53, No. 36

New owner plans brownfield cleanup at Ardsley site BY ALEESIA FORNI aforni@westfariinc.com

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Gov. Andrew Cuomo, behind the wheel of a 1955 Corvette, makes the first crossing of the new Gov. Mario M. Cuomo Bridge with Sleepy Hollow resident Armando “Chick” Galella, who also crossed the Tappan Zee bridge the new span replaces at its opening in 1955. The Corvette is owned by Mount Kisco auto dealer Lou Roberti.

New York health plan pioneer shutting down TWB Loan Decision Top 5 Banner Ad 6” w x 1.5” h 7-31-17, 11am

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areConnect, the health insurance subsidiary of Long Island-based Northwell Health and the first provider-owned commercial health plan in New York state, recently announced it will shut down and withdraw from the state insurance market in 2018. The company's offerings were popular in Westchester County, but CareConnect said a costly provision in the Affordable Care Act and policy uncertainty in Washington put it out of business. The company said it will wind down operations over the next year. In the

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In its announcement, Northwell meantime, CareConnect will still pay Health President and CEO Michael J. claims and provide service to members Dowling pointed to uncertainty in health as well as assist policyholders transfercare policy at the federal level for the ring to other health plans. company’s decision to leave the markets Launched in 2013 by Northwell, set up under the Affordable Care Act. formerly the North Shore-LIJ Health “It has become increasingly clear that System, CareConnect is the state’s first provider-owned commercial health » CARECONNECT, page 6 plan. Northwell Health is the state’s largest health care provider with a network of 22 hospitals that includes Northern Westchester Hospital in Mount Kisco and Phelps Hospital in Sleepy Hollow. CareConnect insures 125,000 people and For Community Banks with Assets of $500 Million+ employs 200.

brownfield cleanup site near the village of Ardsley, where a Texas development company last year withdrew plans to build an apartment complex after hearing strong opposition from residents and elected officials, has a new owner. Environmental Liability Transfer, a St. Louis-based environmental liability assumption firm, in May paid $1.85 million to acquire the 11-acre site from Akzo Nobel, the Dutch company that formerly operated a chemical plant on property straddling the Saw Mill River Parkway. Part of the former Akzo Nobel site, west of the parkway in Dobbs Ferry, has been redeveloped as the Chauncey Square shopping center and, more recently, the Rivertowns Square retail, entertainment and residential complex. The St. Louis buyer plans to complete the environmental restoration of the contaminated site and facilitate its redevelopment, said John Kowalik, Environmental Liability Transfer’s marketing and public relations director. The company acquires properties seen as environmental liabilities to their corporate owners, facilitates their cleanup and prepares them for resale. Its services are used in a variety of scenarios, including acquisitions, mergers and bankruptcies.

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GUEST VIEW

By William C. Dudley

On wage inequality and economic mobility Editor’s note: The following remarks were delivered at an Aug. 10 press briefing on the region’s economy at the Federal Reserve Bank of New York, where Dudley has served as president and CEO since 2009.

oday’s briefing will focus on labor market inequality, including wage inequality in our region. Currently, we see comparatively high levels of inequality in the labor market in terms of differences in the wages workers earn. This situation has been in the making for several decades. Since the early 1980s, wages have increased more rapidly for workers toward the top of the income distribution than for the median worker, and much more rapidly than for workers toward the bottom of the distribution. Further, this increase in inequality can be seen throughout the entire distribution of wages.

TECHNOLOGY AND GLOBALIZATION

In my view, two main factors are responsible for this pattern of differential wage growth and the resulting increase in wage inequality. First, advances in technology have dramatically changed the nature of work, increasing the skill requirements for many jobs while displacing others. Second, the pace of globalization has accelerated in recent decades, with increased cross-border trade, investment, immigration and the emergence of global supply chains. Together, these economic forces have contributed to significant job losses in certain sectors, most notably manufacturing. The resulting decline in demand for middle- and lower-skilled workers has resulted in fewer jobs and has depressed wages for many in those industries. Other less important factors behind the rise in inequality include the decline in privatesector labor unions and the falling real value of the minimum wage. At the same time, technological change and globalization have created jobs in areas such as engineering and software development. Demand has been particularly high for knowledge workers, resulting in strong wage growth in certain sectors. Monetary policy can help support economic growth, but it is much less powerful in addressing the structural factors that underpin inequality in the labor market. That said, understanding the causes and consequences of economic inequality is important to the Fed. We are working hard at producing research, information, data and analysis so that we can better understand inequality and participate in an informed debate on how to best address it. One significant initiative within the

SEPTEMBER 4, 2017

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Federal Reserve System is the creation of the Opportunity and Inclusive Growth Institute at the Minneapolis Fed. The Institute conducts research to measure, analyze and make recommendations to improve the economic well-being of all Americans, with a particular focus on structural barriers that limit full participation in economic opportunity and advancement.

LAGGING ECONOMIC MOBILITY

In a free — market economy, some wage inequality is inevitable given variability in individuals’ endowments, skill sets and education levels. These attributes influence the demand for their services and the wages they are paid. We don’t expect those just starting out to have the skills of more experienced workers. But the access and opportunity needed to attain the attributes associated with higher wages may not be uniform — and that is concerning. Inequality reflects impediments to people reaching their potential. These include limits on access to education, credit, transportation and housing. Such impediments may discourage workers from investing in themselves and may lead some to drop out of the labor force. We should all work to ensure that people have opportunities to develop their skills, build human capital and improve their job prospects. To me, inequality is especially problematic when it reflects and reinforces barriers to economic mobility. Too many parents are increasingly pessimistic about their children’s economic future. According to a recent Pew Research Center survey, only 37 percent of American parents think their children will be better off financially than they are. This is a deeply troubling finding. I believe that income inequality is generally less problematic when it does not impede economic mobility and when economic mobility is high. While the “rags to riches” story has been a popular theme in U.S. history, income mobility in the U.S. is now notably lower than in many other advanced economies. Unfortunately, substantial differences in economic mobility exist within the U.S. Important research by Raj Chetty and his co-authors suggests that upward mobility strongly depends on where one grew up. That is, places themselves seem to have a measurable effect on economic outcomes for children as they reach adulthood. In particular, this research indicates that higher upward mobility is associated with areas that are less residentially segregated by race or income and that have higher-quality schools, stronger social networks, greater community involvement and stable family structures. Significantly, they find that places with greater upward economic mobility tend

to have lower income inequality. This evidence suggests that there is a fundamental inequality of opportunity for advancement that is tied to where people live. Reducing inequality of opportunity is something we should all work toward.

DIRECTIONS FOR POLICY

So, what are some specific ways policy can address inequality and improve economic mobility? While this is a difficult and complex set of issues with no easy answers, I do have a few thoughts. First and foremost, we can improve the quality of education for our most vulnerable citizens. Children who attend better schools and attain higher levels of education have more favorable long-term outcomes, including better job prospects and higher earnings. There are large disparities in the quality of education a student receives, which are highly correlated with where that student lives. We need to look for ways to provide higher-quality education regardless of where people live. Reducing the role of local property taxes in school financing to better equalize school quality across locations is one example. In addition, education’s benefits start very early in life and are cumulative. While we need to further strengthen primary and secondary education, there is convincing evidence that educational investments in early childhood have especially high rates of return in terms of lifetime earnings and are associated with many other positive outcomes. Workforce development is another key policy area that can improve economic mobility and reduce inequality. Because of the swift pace of economic change driven by advances in technology and globalization, we ought to step up efforts to help workers build the skills necessary to adapt to change. This means providing these types of services at the local level. These efforts should include innovative workforce development programs, coursework and certifications in key skills that are in demand, and fostering partnerships between higher education institutions and local employers. Here, I would point to Monroe Community College in Rochester as a model of successful collaboration with employers to create job-training programs that align with current employment opportunities. The issues of economic inequality and income mobility are among the most important that we face as a nation and as a region. These issues are particularly relevant for our region because the Second District is home to some of the highest and lowest levels of wage inequality in the country.

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Boston company opens pop culture shop in White Plains mall BY ALEESIA FORNI aforni@westfariinc.com

Boston-based comic shop has opened its doors at The Westchester mall in White Plains. Newbury Comics is more than just a comic book store. Yes, there are shelves stocked with the adventures of Batman, Spiderman and the like, but that’s just scratching the surface of this new 5,000-square-foot wonderland of popular culture. Graphic T-shirts printed with Star Wars characters or David Bowie’s face line the walls of the novelty store. Pokemon, The Legend of Zelda and Harry Potter memorabilia each take up residence on separate tables, offering bobble heads, pillows and stuffed animals. Music lovers will be pleased to find vinyl records, with everything from The Beatles to Outkast. The comic shop, which opened in August, traces its roots to a small storefront on downtown Boston’s eclectic Newbury Street. The store at 268 Newbury St. was founded by Massachusetts Institute of Technology students John Brusger and Mike Dreese in 1978. Initially, the shop sole-

Newbury Comics employee Ben Cleinman samples the wares at the Boston retailer’s new store in The Westchester mall in White Plains.

ly supplied an array of comic books, though it soon expanded to offer music, clothing and other pop culture items. “The key to us remaining competitive has always been driven by a respect for independent ideas and alternative forms of expression,” said company co-founder and CEO Dreese. “We embrace all artistic ideas and let our customers decide what they like.” To maintain its success over the years, Newbury Comics relies on a system of trial and error, experimenting with new items and scrapping any existing products customers

do not react well to, said Duncan Browne, the company's COO. “Newbury Comics has always been very responsive to our customers' tastes and interests,” he said. “We have a long history of anticipating, responding to and evolving with our customers' interests.” Browne credits this close relationship with the customer for the comic shop’s longevity. “Listening to them, finding things they want when or even before they know they want them, constantly trying new things and surprising customers with items they haven't seen before,” Browne said. “(That) is what has kept us healthy and growing when others have not been able to move with the times and survive the changes in customer tastes.” “We’re the fun part of people’s lives,” Dreese said. Now a 400-employee company that recently celebrated its 39th anniversary, Newbury Comics ships its products to customers across the globe. The company operates 27 stores on the East Coast. On Long Island, Newbury Comics last year opened a shop in Roosevelt Field, a mall that, like The Westchester, is owned by Indianapolis-based Simon Property Group. Dreese said the Garden City store has been “extremely well-received by the community” and its success led Newbury Comics to look

to other nearby areas to expand its presence. The Westchester store is roughly 10 percent smaller than the company’s average-sized store, though shops range from 3,500 to 11,000 square feet. “We are able to operate in a fairly wide range of store sizes,” Browne said. Browne said that while the Westchester store offers the same stock as Newbury’s other locations across New England, from board games to onesies, the company refined its product selection to represent “the best of the best. This store has the best selection of items in those categories,” he said. Dreese said the company is thrilled to open in another Simon-owned mall in the region. “Newbury Comics provides a highly stimulating, experiential pop culture environment, which I feel fits in nicely with Simon’s bold vision for the future of the mall,” he said. That vision includes a multimillion-dollar renovation project Simon is undertaking at the 890,000-square-foot, 12-acre mall. Earlier this year, Simon unveiled the mall’s new fourth-floor Savor dining area, along with a new children's play area and technology lounge. Other enhancements at the 150-store mall include modernized elevators and lobbies, all new facades on major mall entrances and new landscaping and flooring.

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TACO PROJECT OPENS AT BOYCE THOMPSON

The Taco Project, the Tarrytown casual taqueria, has officially opened its second location, this one at Yonkers' Boyce Thompson Center. The restaurant opened Aug. 29 with a ceremony attended by state and city officials. Taco Project is the latest tenant to open at the 85,000-square-foot Boyce Thompson Center, a $35 million redevelopment by Simone Development Cos. The adaptive reuse of the former Boyce Thompson Institute, which once operated as a nonprofit horticultural research center, has drawn a mix of medical, retail, banking and restaurant tenants. St. John’s Riverside Hospital, which occupies a newly built standalone building on the site’s north side, began accepting patients at its two-level, 15,000-square-foot medical office in April. Westmed Medical Group, the Purchasebased medical practice, will open an urgent and primary care space in a two-story, 20,000-square-foot addition on the origi-

nal building’s south side. Riverside Dental Health PC and ColumbiaDoctors have leased space in the original building. Tompkins Mahopac Bank opened a branch there last month, while the Italian eatery Fortina is set to open at the center later this year. Other retail tenants will include Plushblow Salon, Ultimate Spectacle and Family Wellness Pharmacy.

YONKERS COMPANY IN BETTER-BATTERY RESEARCH

Yonkers based alpha-En Corp. will work with the research division of Mercedes-Benz and Princeton University to study how its pure lithium metal can help produce the next-generation battery for cars and consumer products. Alpha-En is a clean technology company focused on developing high-purity lithium metal for battery technologies. The company has a patent pending for a process that produces high-purity thin film lithium metal anodes at room temperature, which the company said makes production cheaper and cleaner. According to the Aug. 29 announcement, the study will look at how pure lithium metal nano-rods produced by alpha-En can improve cell performance and battery production for electric vehicles and consumer product applications. The research will be conducted at Princeton. "We are very pleased and proud to be part of this joint research program with one of the world's leading luxury automobile

manufacturers at one of the most preeminent university and research institutions in the world," said Jerome Feldman, alpha-En founder and executive chairman. "Lithium metal batteries have long been considered the Holy Grail of energy storage." The company was founded in 2008 and formerly based in Tarrytown. Last year, alphaEn opened an 8,000-square-foot research and manufacturing center at the iPark Hudson campus at 28 Wells Ave. in Yonkers.

INSTACART EXPANDS INTO SOUTHERN WESTCHESTER

The online grocery delivery service Instacart is expanding its presence into southern Westchester County. The company announced that it will bring its service to parts of Westchester and Rockland counties, as well as the Bronx. The expansion adds 410,000 households to the company's coverage area, which already includes 5.3 million statewide, according to Instacart. Instacart allows customers to shop for groceries online or on the Instacart mobile app. The products can be delivered at a set time, including within an hour. Participating retailers include Fairway Market, CVS, Costco and Petco. Instacart's expansion in Westchester is focused on the southern part of the county: Yonkers, Eastchester, Pelham, Mount Vernon, New Rochelle, Larchmont, Mamaroneck, Tuckahoe and Bronxville.

$25K REWARD FOR FISHKILL ARSON LEADS

The reward for any information regarding an inferno that engulfed Gap Inc.’s distribution center in Fishkill last year has been increased from $15,000 to $25,000. The Bureau of Alcohol, Tobacco, Firearms and Explosives and Gap announced that the reward that will be given for information leading to the conviction of those responsible for the fire that took place on Aug. 29, 2016, at 100 Merritt Blvd. The fire, which officials determined was intentionally set, extensively damaged the 1.3-million-square-foot facility used to receive, sort and ship Gap and Banana Republic merchandise to stores throughout the Northeast. Additionally, a 1.9-million-square-foot building used for packaging Old Navy merchandise sustained smoke damage from the fire, though it remained structurally intact. The investigation by ATF’s National Response Team, conducted in partnership with the state Police, state Office of Fire Prevention and Control, Dutchess County Fire Investigation Division, Dutchess County Sheriff’s Office and the Fishkill Fire Department, is ongoing. Anyone with information about the fire should contact ATF at 888-283-3473, email ATFTips@atf.gov or contact ATF through its website. All tips will be kept confidential. — Ryan Deffenbaugh, Aleesia Forni

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IN COURT

BY BILL HELTZEL bheltzel@westfariinc.com

Mount Vernon judge: tenants' cats not notorious

city court judge in Mount Vernon has struck a blow for landlords and against cat owners over the “open and notorious” exception to no-pet policies. As every savvy New York renter knows, pet restrictions can be bent. There is even case law that supports recalcitrant pet owners. If a landlord knows that a tenant is harboring a pet openly and notoriously but does not promptly enforce a no-pet clause, the restriction can be deemed waived. Hope Horizon Realty evicted Karen A. Johnson and Marie Patterson last year from an apartment at 101 Elm Ave. in Mount Vernon for violating their lease’s no-pet clause. They harbored cats from 2001 to 2016 but failed to establish that the cats were kept in the open or were notorious, Judge Adrian N. Armstrong ruled on Aug. 21. Attempts to contact the women for comment were unsuccessful. The names of their cats and their pedigrees were not disclosed in the judge’s ruling. The tenants claimed that Hope Horizon had acted in bad faith because the landlord had become aware of the cats more than three months before the eviction. One cat had become a permanent resident in 2001. Another took up residency in 2008. Johnson testified that she never hid them. The women argued that maintenance workers who entered the apartment would have seen the traditional accouterments of household pets, such as the litter box and jungle gym. And there were occasions when one of the cats escaped to the third-floor hallway. But the superintendent, two maintenance workers and management personnel testified that they had never seen the cats or evidence of the cats until the apartment was inspected on May 22, 2016. Maintenance worker “Jomo” Obi noticed the cats and immediately reported the transgression to the office, and the tenants were put on notice to remove them. Johnson responded by email that she would do so, the judge noted, but admitted at trial that she had never permanently removed them. The tenants did win a small victory. They had kept the apartment while the case was pending and now they owe $7,321 in rent through August. They claimed that the apartment was in poor condition and they should receive an abatement. The Mount Vernon Building Department

had issued notices of violations last year citing problems with plaster, paint, light fixtures, tiles and water penetration in the walls. A housing inspector testified that the violations were corrected in a timely manner. But there also was a fire in the dwelling below the apartment in July 2016 that caused smoke damage and a dangerous condition, displacing the tenants for several days. Armstrong awarded the cat harborers a $1,500 credit, reducing their rent balance to $5,821.

Citrin Cooperman Corner Family Matters: New York Has Taken a Stance

BY SALLY MAYBRUCH, CPA AND LORRAINE VALLE CITRIN COOPERMAN for employees. Discrimination or retaliation against employees who take or ask about Paid Family Leave will not be tolerated. Failure to comply with withholding or benefit rules can result in substantial penalties.

Fake goods traced to Cortlandt Manor

he suspicious shipments of cellphone accessories that U.S. Customs has intercepted five times at JFK Airport have one thing in common. The intended destinations were associated with a Cortlandt Manor resident. Customs notified Otter Products LLC after each incident that imports bearing its trademarks had been seized. Otter Products, of Fort Collins, Colorado, markets a line of waterproof and durable protective cases for cellphones, tablets and other electronics. The company then bought samples offered for sale on eBay.com, Wallmart.com and Rakuten.com by the importers. The items Otter received bore its trademarks, the company said, but were not authentic. Otter has sued the importers, accusing them of selling bogus merchandise and infringing its trademarks. The complaint, filed in federal court in White Plains on Aug. 23, names Frank C. Tetro, Sell Phone Basement LLC, Spectre Computers Ltd., Kraymerica LLC, and Techsaurus. Tetro did not respond to email and voicemail requests for comment. Customs seized nearly 400 suspicious Otter cases from November 2014 through July 2017. The importer of record was listed four times as Techsaurus, at Tetro’s home in Cortlandt Manor or at locations in Crotonon-Hudson or Yorktown Heights. The fifth shipment was imported by Kraymerica Joseph King at Tetro’s home address. Otter Products also sent cease-anddesist letters, but the illegal importing allegedly continued. The company said it does not know the full extent of illegal activity because Customs rarely catches counterfeit goods. The products intercepted at JFK and the samples purchased online “are merely the tip of the iceberg.” Otter accuses Tetro and his businesses of trademark counterfeiting, trademark infringement, unfair competition and unlawful importation. It is asking the court to restrain the defendants from counterfeiting, importing or distributing merchandise connected to Otter and to order them to destroy all unauthorized materials bearing its trademarks. The lawsuit lists 11 of Otter’s registered trademarks. It is asking the court to award at least $2 million in damages for each mark that has been counterfeited.

SALLY MAYBRUCH

LORRAINE VALLE

New York has enacted a Paid Family Leave (PFL) Benefits Law, said by the NYS Department of Financial Services to be the most comprehensive paid family leave program in the U.S. All private employers subject to New York worker’s compensation law must provide benefit coverage for eligible employees, defined as those who have worked at least 20 hours per week for a minimum of 26 weeks. Beginning on January 1, 2018, eligible employees will have the ability to take time off and receive a portion of their income to: • Care for a family member with a serious health condition; • Bond with a child during the 12 months following birth, adoption, or start of fostering; or • Address issues arising from a family member’s active military service. In 2018, eligible employees will receive half of their average weekly wage, capped at half of the statewide average weekly wage, for up to eight weeks of leave. It is estimated that the maximum 2018 weekly benefit will be $648. When the program is fully phased in, by the year 2021, the maximum benefit will be two thirds of the employee’s average weekly wage, capped at two thirds of the statewide average weekly wage, for up to 12 weeks of leave. WHAT ARE THE RESPONSIBILITIES FOR THE EMPLOYER? Private employers should prepare to obtain coverage through an insurance carrier beginning January 1, 2018. It will generally be included under an employer’s existing disability benefits policy. Employers should contact their disability insurance carrier if they have not been notified already. Paid Family Leave coverage can be funded by employee payroll contributions, which were allowed to be collected as of July 1, 2017, or employers may cover the cost themselves. The premium rate for Paid Family Leave benefits, as well as the maximum employee contribution for coverage, is reset annually. Beginning January 1, 2018, the maximum withholding for 2018 will be $1.65 per week. If a payroll service is used, employers must confirm that the payroll company is compliant with regards to withholding for both full- and part–time employees. Employers must allow an employee to return to the same or a comparable job. Failure to reinstate employees can expose employers to claims. Employers must continue employees’ health insurance while on Paid Family Leave, but may require that employees continue to pay their premium contributions. Employers must ensure that their organizational policies and related policy manuals comply with the new law, including publicly displaying an informational poster

WHAT ARE THE CONSIDERATIONS FOR THE EMPLOYER? Paid Family Leave Policy applies to employees who work in New York, regardless of where the employer is based or where the employee lives. If an employee works in New York for more than 30 days in a calendar year, it is the responsibility of the employer to obtain Paid Family Leave Coverage. It is therefore very important for employers, especially those not based in New York, to maintain awareness of the locations of remote employees in order to remain in compliance. For employers currently exempt from the federal Family and Medical Leave Act (FMLA), PFL provides new challenges and considerations that may not have been present before. For employers currently adhering to FMLA, the addition of PFL and the coordination between the two policies requires special attention. While there are similarities between the two policies (job protection and continuation of health insurance while on leave), there are also marked differences, including the potential reason for the leave. For example, PFL does not apply to an employee’s own health issue, while FMLA does. Employers will need to ensure that their policies for administering leave are current and accurate. While the new policy provides tremendous peace of mind for employees, it can be anxiety provoking for employers. What will happen to you and your business if a key employee is out for 8 – 12 weeks? For small business owners, this thought may cause even more alarm. Planning for business continuity is critical and having strong, creative, business-minded consultants on your team can help structure a unique plan that works for both your industry and your specific business. At Citrin Cooperman, we understand that you and your business need a strategy that is tailored to you, rather than making you work within the constraints of a predefined plan. Paid Family Leave allows employees to focus on personally significant events while still being guaranteed wage replacement, job protection, and continuation of health insurance. The professionals at Citrin Cooperman work with you and for you, so that you can focus on what counts – your business. For more information on New York State’s Paid Family Leave, contact a member of your Citrin Cooperman team or visit https:// www.ny.gov/programs/new-york-statepaid-family-leave. ABOUT THE AUTHORS Sally Maybruch, CPA, is a manager in Citrin Cooperman’s Norwalk office and can be reached at 203.847.4068 or at smaybruch@ citrincooperman.com. Lorraine Valle is a manager in Citrin Cooperman’s New York City office and can be reached at 914.693.7000 or at lvalle@citrincooperman.com. Citrin Cooperman is a full-service accounting and consulting firm with 10 locations along the East Coast. Visit us at www.citrincooperman.com.

A MESSAGE FROM CITRIN COOPERMAN

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SEPTEMBER 4, 2017

CareConnect — » » From page 1

continuing the CareConnect health plan is financially unsustainable, given the failure of the federal government and Congress to correct regulatory flaws that have destabilized insurance markets and their refusal to honor promises of additional funding,” Dowling said. CareConnect also has long argued that it is unfairly penalized by an ACA provision known as risk adjustment. Risk adjustment payments require carriers with particularly healthy customers to transfer money to carriers with relatively unhealthy populations. The payments are designed to prevent insurers from going after only the healthiest customers. CareConnect argues, however, that flaws in the method of calculating the payments force smaller insurers to subsidize larger ones. Northwell when announcing CareConnect’s closing said that the formulas favor established insurers with more in-depth patient histories. This year, CareConnect was hit with a $112 million risk adjustment bill for its small group insurance market offering on the New York State of Health exchange, which it said was about half of its small group revenue. The company said it would have been profitable without the payment and was expecting to face another risk-adjustment payment of

Northwell Health President and CEO Michael J. Dowling

more than $100 million next year. CareConnect previously cited the payments as its reason to raise premium rates on its small group market plans for 2018. The company requested a rate increase of 19.3 percent, which the state later decreased to 15.5 percent. “The continuing uncertainty in Washington about the future of the ACA, intractable regulatory problems and the federal government’s broken promise of socalled ‘risk-corridor’ payments to insurers provide us with no viable path to profitabil-

ity in the foreseeable future,” Dowling said. Northwell Health must now submit a withdrawal plan to the state Department of Financial Services, which regulates New York’s insurance market. The health care provider said CareConnect employees will keep their jobs during the transition. Northwell will also try to find positions for them within its health care system. CareConnect covered more than 13,600 people in Westchester County, according to a Northwell spokesperson. That includes 2,130 Westchester residents who bought qualified individual health plans on the state exchange last year, about 15 percent of the county market, according to state data. CareConnect also covered 227 employees of Westchester companies on the state’s small group exchange, capturing about 75 percent of that market in the county. Outside of the state exchange, CareConnect provided a popular option for small businesses in Westchester County. James P. Schutzer, vice president at J.D. Moschitto & Associates Inc., a White Plains benefits consulting firm, said it’s unfortunate to see the company go. CareConnect, he said, carved out a niche in Westchester’s small business market by building a network with large physician groups in the county, including WestMed Medical Group, CareMount Medical and Westchester Health Associates. CareConnect's network also includes

White Plains Hospital through the Montefiore Health System, Greenwich Hospital through Yale New Haven Health and Northwell’s own Phelps and Northern Westchester hospitals. “When you tie that all together, you have a strong provider network, good physician choice and some of the key hospitals in the county,” Schutzer said. “For the small employers, it was attractive. The pricing was attractive as well.” CareConnect is also one of three companies offering plans to small businesses on the private HealthPass New York exchange. The company offered six plans on the exchange to companies with between two and 100 employees. The withdrawal of CareConnect leaves Westchester with six insurers approved to sell plans in the state’s individual market in 2018 and three carriers for the small group market. “In spite of recent federal efforts to destabilize markets and threats to dismantle or not enforce the ACA, New York’s health care market remains robust and consumers across New York have real choice of coverage,” said state Department of Financial Services Superintendent Maria T. Vullo following CareConnect’s announcement. “DFS will work with CareConnect on an orderly transition to ensure that all of its members know their full options and continue to receive health care coverage without interruption.”

Perspective Rendering

Town of Greenburgh- Westchester County, New York

Brownfield — » » From page 1

Kowalik said the company's strategy "is not to hold distressed assets and wait on market factors to resell." Instead, Environmental Liability Transfer takes "a very proactive approach" when acquiring brownfields and each distressed site it acquires is entered into an environmental remediation program "designed to transform brownfield sites from liabilities to assets." The company recently assisted Shell Global in divesting 135 environmentally distressed oil transfer and refining facilities in Canada. Environmental Liability Transfer has assumed more than $1.5 billion of environmental liability from clients across North America since 2004 and has managed the environmental cleanup of more than 300 brownfield properties. Kowalik said the company is workJPI | 03.19.15 ing to formulate a plan of action for the Ardsley site with the state Department of Environmental Conservation. “Early estimates from our team indicate that we're looking at 12 to 14 months of environmental remediation,” he said. “When this process is complete, the site will be marketed for nonresidential development.”

SEPTEMBER 4, 2017

WCBJ

EDWIN R. KIMSEY JR., AIA ARCHITECT A Texas developer last year dropped plans to build an apartment complex, shown here in a rendering, on the Akzo Nobel site in Ardsley after encountering strong local opposition.

Greenburgh Town Supervisor Paul Feiner is urging the company to construct a power-generating solar farm on the property at 1 Lawrence St. “Solar farms are easier to build on former contaminated sites, create almost

no traffic and are great for the environment,” Feiner said. “We want Greenburgh to become a more sustainable community.” Kowalik said it was "a little premature" to discuss details regarding the site's future. Prior to its sale to Environmental Liability

Transfer, the property was set to be redeveloped as a 272-unit residential complex. Texas-based developer JPI Multifamily Communities had planned to construct on the vacant lot an apartment complex named the Jefferson at Saw Mill, a fourstory 239,000-square-foot building with 438 parking spaces in both a garage and an uncovered lot. But the development, which was the subject of multiple public hearings before the Greenburgh Town Board and a petition signed by more than 1,300 residents, faced an onslaught of opposition from the community. Residents’ grievances ranged from potential flooding risks to the impact the residential units would have on the Ardsley school system. A lack of parking and increased traffic around the property, especially when coupled with the number of large multifamily residences going up in the area, were also chief among their concerns. The Akzo Nobel property, on which JPI had a purchase contract, is directly across the Saw Mill River Parkway from Rivertowns Square, where Lincoln Property Co. earlier this year opened Danforth Apartments, a 202-unit, 277,000-square-foot luxury rental building. Akzo Nobel announced that it had terminated its agreement with JPI in June last year.

First span opens on $3.98B Gov. Mario M. Cuomo Bridge aforni@westfariinc.com

o me, this bridge is more than a structure,” said Gov. Andrew Cuomo, speaking at an Aug. 24 ribbon-cutting ceremony to mark the opening of the first completed span of the 3.1-mile replacement for the aging Tappan Zee Bridge, a sleek $3.98 billion, twin-span Hudson River crossing named in tribute to his father, the late Gov. Mario M. Cuomo. “It’s a symbol,” he said. For 20 years, the governor said, replacing the dangerous Tappan Zee bridge had been talked about in Albany, “a symbol of procrastination, incompetence, government that just talks and government that can’t act.” Now, less than four years after the first steel piles were driven into the river for the new cable-stayed bridge’s foundation, “The opening of this new span shows the world that we have our energy and boldness back, that we will continue to accomplish great things and that we are building bigger and better than we have in decades,” Cuomo said. The construction project, designed and built by Tappan Zee Constructors LLC — a consortium of Fluor Enterprises Inc., American Bridge Co., Granite Construction

A bird’s-eye view of the Aug. 24 ceremony for the opening of the first span of the twin-span, $3.98 billion replacement bridge on the Hudson River.

Northeast Inc. and Traylor Brothers Inc. — remains on budget and on schedule to fully open in 2018, Cuomo said. It is one of the largest infrastructure projects in the nation and the biggest in the history of the New York State Thruway Authority, the bridge’s owner. The new bridge features eight 419-foot towers that stand at a 5-degree angle and have 192 stay cables that, if laid end to end, would stretch 14 miles. More than 110,000 tons of American-made steel are being used to build the bridge. Roughly 7,000 workers have contributed to the project to date, according to the

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state, totaling nearly 9 million work hours. Northbound and westbound drivers on the state Thruway will cross the newly opened span from Westchester to Rockland for the next few months, though state officials have given no definite timetable. Southbound and eastbound drivers will continue to use the old bridge. Each will have four traffic lanes available. Later this fall, the Gov. Mario M. Cuomo Bridge will completely replace the 62-yearold Gov. Malcolm Wilson - Tappan Zee Bridge when four lanes of Westchester-bound traffic are also shifted onto the first span.

"After years of hard work by thousands of dedicated people, we are proud to have traffic on the new bridge for the first time," said Tappan Zee Constructors President Terry Towle. "In addition to maintaining one of the best safety records in the industry, our team has consistently met tight deadlines under extremely challenging conditions." The finished bridge will feature eight general traffic lanes and four breakdown and emergency lanes; space for future bus rapid transit and commuter rail; a bicycle and walking path and viewing areas; cashless tolling and LED lighting.

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WCBJ

SEPTEMBER 4, 2017

BY ALEESIA FORNI

2017

CFO OF THE YEAR AWARDS

NAME THE FINANCIAL LEADER WHO KEEPS YOUR BUSINESS BOOMING For the sixth year, the Westchester County Business Journal and RSM will honor the best financial decision-makers working in Westchester County.

Find out how these CFOs and financial leaders make the most of business challenges through innovation and transformation.

ELIGIBILITY: The CFO of the Year awards are open to any CFO or counterpart (such as controller, financial director or planner) who has worked a minimum of two years for a public or private company in Westchester County.

PRESENTING SPONSORS

NOMINATE AT:

westfaironline.com/events Nominations will be accepted now through Sept. 1. For more information or questions, call Rebecca Freeman at (914) 358-0757, or email rfreeeman@westfairinc.com. 8

SEPTEMBER 4, 2017

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SUPPORTER

BRONZE SPONSORS

ASK ANDI

BY ANDI GRAY

Keeping partners in line I have a partner who is in denial about our cash situation, which right now is tight and likely to get worse before it gets better. Unfortunately my partner’s not willing to make adjustments, even though I’ve tried to explain that we don’t have the money to pay ourselves as much as we used to. What should I do? THOUGHTS OF THE DAY: Your job as an owner is to protect the company’s well-being — for now and for the future. Figure out who can make the decisions and under what conditions. Figure out your bottom line before you go into a negotiation. Know how tough you’re willing to be — and then double it. The company is the source of your and your partner’s income and fringe benefits. If the company does well, you do well. And if the company struggles, you need to take a careful look at sacrifices you may need to make. Even if it hurts. make sure the company has the financial support it needs to succeed, so that when things turn back up you’ll

be in a position to reap the rewards again. Partnerships are governed by written agreements, which usually only get dusted off and referred to when there’s a disagreement. Make sure you’re clear what’s in your partnership agreement. Do you have majority control? Or, are you a minority decision maker — which means you have to influence a decision, but can’t mandate it. Or, are you and your partner 50/50 owners, which means you both need to sign off on any decisions. Some partnership agreements specify conditions under which different partners control various decisions. If you have partnership control, go ahead and mandate the decision. Make it clear you’re sympathetic to your minority partner’s concerns, but that you are first responsible for seeing to the company’s wellbeing. State that you are exercising your right to ensure the company has the best opportunity to prosper based on how cash is used and disbursed. Going into the negotiation, do your homework. What is the company’s situation financially? If you’re not sure how to do that, get a financial analyst to help you. Look ahead three months, six months, a year, etc.

If you need to cut back on expenses, figure out by how much before you decide where it comes from. Look at your options for making cuts. Resist the urge to cut sales, marketing and essential operations. These are your tools for working effectively and getting more business in the future. Cut out perks and fluff, and if that’s not enough, it’s time to look at what’s going to the partners. Talk with your partner about what is easy and hard to give up. Don’t make promises too early. In the beginning you want to gather data so you can figure out the best solutions under a variety of conditions. Decide how soon the cuts need to be implemented and for how long. It’s usually better to get everything you need now than to ask for more sacrifices later. Consider what tasks you and your partner can take on so you can save on other personnel costs. If you don’t have decision control you’re going to have to negotiate. Make a list of what’s in your negotiating toolbox. How essential you are to the successful operation of the business? What would happen to your partner’s lifestyle if you stepped back? What do you know how to do that your partner

doesn’t? How well could your partner run the business if you weren’t available? Keep in mind that without resolving the cash problem through partner sacrifices, the business might be gone anyway. Make it clear you’re not willing to see the company slowly bleed to death. Get your bank, financial advisors and attorneys involved, to talk with both of you. If necessary, hire a mediator. Just deal with the problem while you still have time to fix it. LOOKING FOR A GOOD BOOK? Try “Business Partnership Essentials: A Step-ByStep Action Plan for Succeeding in Business With a Partner: Joint Venture & Partnership Agreement Explained” by Dorene Lehavi. Andi Gray is president of Strategy Leaders Inc., StrategyLeaders.com, a business-consulting firm that teaches companies how to double revenue and triple profits in repetitive growth cycles. Have a question for AskAndi? Wondering how Strategy Leaders can help your business thrive? Call or email for a free consultation and diagnostics: 877238-3535. AskAndi@StrategyLeaders.com. Check out our library of business advice articles: AskAndi.com.

TECH How “ResNet” is Transforming College Students' TALK Mobile Experience on Campus and in the Dorms

tudents aren’t the only ones moving into college dorms this week; their myriad of tech devices are entering campus with them. Each semester, the ratio of device to student increases, and so do the expectations students have on their college or university to be well equipped to support them. Pervasive connectivity is no longer a perk but an expectation. Today, more than ever, colleges are being evaluated by the student. The student is the customer, and they’re looking at the college and its resources as a utility. They expect the wireless to be robust and high-speed, which is why quality Residential Network (ResNet) services have become quite transformative. ResNet allows students to consume college resources on their own time, in their own place. Annese has a long history working with higher education institutions supporting a wide range of their technology needs. We've seen colleges across the State build and maintain enterprise wireless solutions on campus, noticing a common need to provide an experience equally as robust in the residence halls. Designing wireless for a campus equals high-density, open areas, and a multitude of devices and that comes with its own set of challenges for the college. Our ResNet IT offering was developed after noticing a gap in traditional services, because let's face it,

residence halls revolve today around Internet and TV. Students are looking for the same type of experience that they have at home, or that they’re used to in places like cafes and public areas. They want to know that they have reliable Wi-Fi access, and they look to colleges competitively to see who provides those services the best. Providing that experience is heavily dependent on streaming and real-time applications. THREE KEY ADVANTAGES RESNET PROVIDES ARE: 1. Ease and Flexibility: Hours of study are certainly not uniform among a college's student body. Stable internet access allows students the flexibility to complete assignments on their own schedule wherever they happen to be on campus. 2. Less Frustration: The service gives students a single point of contact for their wireless needs. Outages and reduced speed are also greatly reduced or proactively addressed before the student is impacted. 3. Increased Online Safety: The college’s residence network can be more safely controlled with back-end configuration, hardware, and safety measures that help keep student exposure to viruses and malware limited. Through this offering, we have the visibility required to maintain a stable networking environment as well as respond quickly to issues that affect the infrastructure, devices, and students. The Cisco

Meraki dashboard enables us to monitor spectrum visibility, network traffic visibility, access controls, historical trends, and details and statistics that lend to an even deeper layer of troubleshooting capabilities with better design validation, growth planning, and more control over the network. Historically, this type of data collection has required numerous tools, and the correlation has never been as robust. For example, if a student reports an issue with the network, the solution provider would have, at one time, been reliant on the user to explain what they are experiencing and, at best, perform relatively basic device-troubleshooting. ResNet lets us see

exactly where an issue is stemming from and if it is related to signal strength, authentication, or latency. We can see if an access point is down or if there are downstream network related issues. We can also see which content users are accessing most often and prioritize as needed. This data can be communicated to the leaders of ResLife services at the College which is ideal for planning and helps them better understand their student population's specific needs. ResNet is a powerful solution that proves to be a win-win for both the college and the student. Here's to a successful Fall semester! Jason Beiter is one of the subject matter experts leading a breakout session at SightLine 2017, the Northeast’s most exciting technology conference. Taking place Oct. 17-18 at The Albany Capital Center in Albany, NY, the event will feature keynote speaker Theresa Payton, former White House chief information officer and cybersecurity expert. Space is limited. Register at: www.sightline2017.com/Register.

Written by Jason Beiter, Enterprise Solutions Architect at Annese, a ConvergeOne Company

WCBJ

SEPTEMBER 4, 2017

THE

WOMEN’S BLUEPRINT PRESENTED BY:

A DISCUSSION FOR WOMEN IN LEADERSHIP, ENTREPRENEURS AND BUSINESS OWNERS WHAT IS HOLDING US BACK?

AND

Build your personal advisory council, find your own leadership narrative. Create a valuable and scalable business or franchise. Hear from a panel of successful local women who will share their personal journeys.

WHEN:

October 3rd 11:30 A.M. – 1:30 P.M. (LUNCH INCLUDED) $20 ADMISSION

WHERE:

THE OSBORN 101 THEALL ROAD, RYE

KEYNOTE SPEAKER AND MODERATOR Barbara B. Roberts, Entrepreneur in Residence, Columbia Business School Hofstra University NY Chair, Tiger 21 NY Angels

CELEBRATING NATIONAL WOMEN’S SMALL BUSINESS MONTH

HOSTED BY:

TO REGISTER VISIT

Westfaironline.com/ events

FOR FURTHER INFORMATION, PLEASE CONTACT REBECCA FREEMAN AT 914-358-0757

SEPTEMBER 4, 2017

WCBJ

SMALL BUSINESS FINANCE

SPECIAL REPORT

StartupsFINANCING struggle in credit and finance AND DEBT markets to survive and grow

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

hile business startups drive much of the economic productivity and hiring in the U.S., numbers in a recent survey show that entrepreneurs face a daunting path in financing their ventures. The survey, released in August by the New York Federal Reserve, looked at the funding and credit experiences of startups throughout the country. The Fed found that new firms often struggle to find financing needed to stay operational and grow. About one in three startups fail within two years, and half of them fail within five years, according to data cited in the report. That’s despite the role of startups as "primary drivers of U.S. job growth," according to New York Fed community affairs officer Claire Kramer Mills. The Fed’s report found that young firms, defined as small businesses five years or younger in 2016, account for 34 percent of all small employer firms. Young firms also account for nearly all net new job growth and 20 percent of gross job creation, according to the report. About 61 percent of firms no more than 2 years old expect to add jobs, according to the survey, compared with 29 percent of established firms 5 years or older. To help with that growth, startups are seeking funding for expansion at higher rates than established firms. But finding that financing isn’t easy. The Fed found that 58 percent of firms 2 years old or younger reported difficulty with credit availability or accessing funds for expansion, well above the 39 percent of established firms that reported the same problems. Thomas Morley, director of the Rockland Regional Center for the New York Small Business Development Center, said those numbers are consistent with what he sees in this region. "The common sense is that, since much of credit is based on financial history, lenders will look at your financial history. Can you demonstrate an ability to pay?" said Morley. "Well, startups don't have that history." Kim Jacobs, executive director of Community Capital New York, a nonprofit alternative lender to small businesses

About 1/3 of 0–2 year old firms use personal funds as the primary means of funding their business. PRIMARY FUNDING SOURCE BY AGE OF FIRM (% of employer firms) 0–2 years

49%

N=1,006

35%

3–5 years

64%

N=1,117

>5 years

Retained business earnings

Personal funds

25%

69%

N=8,028 CREDIT APPLICATIONS

16%

11%

16%

15%

External financing

73% of startup firms have outstanding debt. N=2,132 FINANCING AND CREDIT PRODUCTS SOUGHT 1,2 (% of startup applicants)

N=1,161

Loan/line of credit AMOUNT OF DEBT, 1,2 At Time of Survey (% of startup firms with debt)

86% N=1,489

Credit card

33%

30% Equity investment

41%

11%

Leasing

10%

Trade

17%

Factoring ≤$25K

86%

of startup applicants sought a loan or line of credit. 15%

4% $25K–$100K

$100K–$250K

$250K–$1M

>$1M

*Categories have been simplified for readability. Actual categories are: ≤$25K, $25,001-$100K, $100,001-$250K, $250,001-$1M, >$1M. Startup firms and higher credit risk firms seek credit cards at a higher rate than older or lower risk firms. Loans and lines of credit are commonly sought across all firm segments.

FINANCING AND CREDIT PRODUCTS SOUGHT BY AGE AND CREDIT RISK, 3 Select Products (% of applicants) Source: Small Business Credit Survey, Federal Reserve Bank of New York. CREDIT CARD

LOAN/LINE OF CREDIT

experience is21%that, you start a headquartered inhaveElmsford, said19%about 1 Among firms >5 years, 69% outstanding debt (N=8,051); hold $25K or less, 31% hold"Our $25K-$100K, 19% hold $100K-$250K, hold $250K-$1M, and 10% hold >$1M (N=5,356). 90% business, whose money are you using?" half of her organization's clients are start2 Percentages may not sum to 100 due to rounding. 87% 84% 84% Morley said. "The only money that's up2016 businesses. SMALL BUSINESS CREDIT SURVEY | REPORT ON STARTUP FIRMS Source: Small Business Credit Survey, Federal Reserve Banks around is your own." Community Capital works with businessThe survey also found credit cards were es in the Hudson Valley and Fairfield County 47%from traditional the second most commonly sought product unable to secure financing 38% 36% works from banks for startups, behind only a loan lenders. Jacobs said the organization or line of credit. About 41 percent of startups more frequently with startups "because it's 19% surveyed applied for a credit card, while 86 just very difficult for them to get fair, responpercent or line credit of credit. sible, transparent and affordable financing Low credit risk Medium/high credit risk Lowapplied credit risk for a loan Medium/high risk Startup applicants were much more likely other places." >5 years (N=808–1,766) >5 years (N=808–1,766) 0–5 years (N=410–465) 0–5 years (N=410–465) than established firms to use credit cards That can be particularly true in the for their businesses on a regular basis, the Hudson Valley and Fairfield County, where "it's a very high-cost area, so the barriers toa credit card,survey 1 Among firms >5 years, 86% applied for a loan/line of credit, 24% applied for 9% applied found. for an equity investment, 9% applied for leasing, 10% applied for trade credit, and 6% applied for factoring (N=3,639). Startup firms entry are high," Jacobs said. "A lot of entre2 Respondents could select multiple options. Response option ‘other’ not shown in chart. See Appendix for more detail. with a higher credit risk 3 Self-reported business credit score or personal credit score, depending on which is used to obtain financing for their business. If the firm uses both, the are also increasingly outscore online lendpreneurs start their business with their highest risk rating is used. ‘Low credit risk’ is a 80-100 business score or 720+ personal credit score. ‘Medium/high credit risk’seeking is a 1-79 business personal credit score. ing sources. About 39 percent of medium ownor <720 resources." 2016 SMALL BUSINESS CREDIT SURVEY | REPORT ON STARTUP FIRMS Business Credit Survey, Federal Reserve Banks andSource: highSmall credit-risk startups reported using The Fed survey found that nationally, online lenders, compared with 10 percent about one-third of startup firms used personal of established firms and 11 percent of low funds as the primary means for the business.

credit-risk startups. For those using online lenders, Jacobs said it's "important to know the right questions to ask." She said that while online lenders can quickly turn around a loan, the terms are not always transparent. They may include higher interest rates or a daily repayment schedule that doesn't match a young business' needs. "The online lenders are particularly tough for startup businesses," Jacobs said. "They may be more useful to more mature businesses because they can manage their limitations better." Citing outside research, the Federal Reserve report noted that the rate of startup creation has been declining for several years. Asked if that applied to Westchester County and the Hudson Valley region, Morley at the Small Business Development Center said it can be hard to measure exactly how many new businesses are startups, rather than LLC entities or spinoffs of established businesses, but overall characterized the area as strong for startups. Still, he said the startup activity his office sees usually has ups and downs. For example, the Rockland center saw an increase in people launching businesses during economic recession in 2008 and 2009, often because they had lost their jobs and had limited employment options. "Employment seems to be a better correlation,” Morley said. “The stronger the job market, the less likely someone is to start a business. Because I can go get a paycheck, I don't take any risk, save some money and I can start a business in a couple years. So, we do see deferral of entrepreneurship when the job market is good." Jacobs said one advantage for the area is the number of organizations offering help to new businesses, including the New York Small Business Development Center, the SCORE Westchester small-business mentoring group and Westchester Community College's training programs. "We are still seeing a lot of really exciting small businesses," Jacobs said. "Everything from great mom-and-pops and on that really add to the vitality of local communities they serve. Locally owned businesses are terrific contributors. They create jobs, pay taxes and are also terrific community stakeholders."

WCBJ

SEPTEMBER 4, 2017

BY NORMAN G. GRILL

Think carefully when choosing C or S corporation structure

ou may be thinking about making the switch from C to S corporation to save taxes. But there is much more to the decision than that, including Affordable Care Act considerations.

MAPPING THE PROS AND CONS

Changing to an S corporation can help

you avoid the double taxation that happens when C corporation earnings are taxed at the corporate level and again when they’re passed through to shareholders as individuals. S corporations are pass-through entities, so their earnings bypass corporate taxes and are taxed at the individual level only. Thus, businesses organized as C corporations can often cut their taxes consid-

erably by becoming S corporations. But this doesn’t necessarily mean that making the switch is always the right thing to do. You might sacrifice some C corporation benefits by changing. Ownership flexibility is one of these C corporation benefits. S corporations can have only 100 individual shareholders, while C corporations can have an unlimited num-

ber. Note, too, that an S corporation may not have a nonresident alien as a shareholder. In addition, S corporations can issue only one class of stock — common or preferred — while C corporations can issue both. Note that issuing different types of common stock shares also can violate this rule. For example, if one set of common stock shares is awarded a higher percentage of the company’s profits, this would result in a second class of shares, which wouldn’t be allowed for an S corporation. However, S corporations can allow different voting rights for different shares of stock without creating a new class of stock.

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The Affordable Care Act has added a new variable to C vs. S corporation decisionmaking. If you are an active participant in an S corporation, your earnings aren’t subject to the net investment income tax (NIIT). (This is a 3.8 percent surtax on certain kinds of investment income that you must pay if your adjusted gross income exceeds a certain level.) But C corporation dividends are subject to the NIIT if otherwise applicable, regardless of the owner’s participation level in the corporation. Plus, if you sell S corporation stock, these proceeds won’t be subject to the NIIT if the owner is an active participant in the S corporation. But proceeds from the sale of C corporation stock are subject to this surtax. Many factors go into the C vs. S corporation decision, including a number of nontax considerations that aren’t covered above. Consider seeking the advice of a qualified professional before making a decision on the corporate structure that suits you best. Norman G. Grill is managing partner of Grill & Partners LLC, certified public accountants and consultants to closely held companies and high-net-worth individuals, with offices in Fairfield and Darien. He can be reached at 203-2543880 or at N.Grill@GRILL1.com.

CONNECT WITH westfair communications

westfaironline.com wagmag.com

BY STEVEN HOFFMAN

How to take the next step in growing your business

usiness innovation runs deep in Fairfield and Westchester counties, which is essential to launching a business and growing it from a startup operation to an established and stable enterprise. However, for many business owners, the next step in the growth process — expanding or diversifying their business operations — can be the most challenging. Small and middle — market businesses know their businesses well and they know where they want to take them. What they might lack is the knowledge of all the available tools that can help them successfully grow their businesses. Here are a few ideas for innovative business owners who are looking to take the next step in their growth.

TAPPING ASSET-BASED LENDING

As its name suggests, asset-based lending, or ABL, is borrowing secured by an asset. This asset could be a company's accounts receivable, inventory and equipment, but it mainly means lending to businesses using assets as collateral. By properly assessing the value of a borrower’s assets and closely monitoring them, an asset-based lender can often make loans even if a business’ financial metrics do not quite meet traditional underwriting guidelines and ratios. In many instances, lenders can use ABL to overcome modest weaknesses in a borrower’s financial profile to extend lines of credit, which provide essential liquidity, precisely when a growing company needs it most.

LOOK TO LEASE RATHER THAN BUY

Leasing equipment, particularly technologyoriented assets, can be a short-term solution when equipment is needed to keep up with demand but you cannot spare the funds for the down payment needed for traditional financing. By leasing, rather than buying needed equipment, business owners can preserve cash and capacity on lines of credit for other purposes. Leasing can give business owners access to the latest equipment available, thereby streamlining processes and boosting productivity. Leasing also enables business owners to align contract terms to match the equipment’s anticipated useful life and provides flexibility for upgrading and replacing equipment on an as-needed basis.

CONSIDER THE SMALL BUSINESS ADMINISTRATION

While this government agency concen-

trates its efforts on small businesses, most of its programs can also assist what we might consider mid-sized businesses. SBA-guaranteed bank financing, wherein the government offers a granting bank a guarantee on the repayment of a major portion of the loan, offers smaller businesses several important advantages over traditional financing. Among these are more liberal requirements about collateral and equity, which can be very helpful for a growing business. A company must be independently owned and operated, not be dominant in its field and must meet SBA employment or sales standards for different business types to qualify for an SBA loan. The SBA provides financing through “preferred lender” banks. A preferred lender is one the SBA selects for its business lending expertise. Preferred lender banks can make certain loans without prior approval from the SBA, as well as provide preferential processing. KeyBank is a preferred SBA lender and frequently uses SBA criteria and procedures to grant SBA-guaranteed loans for purposes such as constructing owner-occupied buildings, purchasing existing buildings, buying equipment, financing increases in inventory or receivables and providing working capital.

STREAMLINE PROCESSES

Managing growth often comes down to managing resources, so the best and largest effort targets the most pressing and profitable opportunity. Tapping your bank for help with treasury services can pay off regarding optimizing time and money spent managing payments. Effective treasury service programs enable business owners to monitor account activity, quickly access information, collect funds more promptly via lockbox or automated clearing house (ACH) and streamline payments processing via ACH and wire transfers. These programs can also help to protect assets with tools that can detect and prevent fraud. In short, there is no one way to manage growth, but there are many ways business owners can tap their bank for tools and insight to help achieve their business objectives. Steven Hoffman is KeyBank senior vice president and business banking sales leader for Upper Hudson Valley and Fairfield County in the bank’s Tarrytown office. He can be reached at 914-333-5724 or by email at steven_hoffman@keybank.com.

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2017 WESTCHESTER COUNTY

NOMINATE A DOCTOR

IN THE FOLLOWING CATEGORIES

ALL IN THE FAMILY: In recognition of husbands and wives, parents and children or siblings who work together in a practice or separately, dedicating their lives to make other lives better. NO LAND TOO FAR: In recognition of a doctor who donates his or her time and expertise to countries where medical care is either nonexistent or at barest minimum. CUTTING EDGE: In recognition of a doctor who spends endless hours working on research and clinical trials to save lives. CARING FOR ALL: In recognition of a doctor who turns no patient away, but rather devotes time and effort to philanthropic cases.

A UNIQUE AWARDS PROGRAM CELEBRATES THE ACCOMPLISHMENTS OF PHYSICIANS IN WESTCHESTER COUNTY JUDGED BY A PANEL TO BE THE MOST EXEMPLARY IN THE PROGRAM’S CATEGORIES. THIS PRESTIGIOUS FIFTH ANNUAL EVENT IS C0-PRESENTED BY BROWN, GRUTTADARO, GAUJEAN, PRATO & SASTOW ATTORNEYS AT LAW; UBS MITCHELL WEALTHCARE AND THE WESTCHESTER COUNTY BUSINESS JOURNAL AND WESTCHESTER COUNTY MEDICAL SOCIETY. Open to nominations from the public, this is an opportunity to recognize those physicians who make an impact each and every day on people’s lives.

NOMINATION DEADLINE: SEPTEMBER 29

SEPTEMBER 4, 2017

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FEMALE TRAILBLAZER: In recognition of a female doctor who has made great strides in empowering other women to advocate for themselves and be aware of their specific medical needs. PROMISE FOR THE FUTURE: In recognition of a medical student who excels in his or her studies and will bring compassionate care and a fresh perspective to the medical profession. LIFETIME ACHIEVEMENT AWARD: In recognition of a physician respected for a lifetime career in the medical profession. To nominate, visit westfaironline.com/events or call Rebecca Freeman at 914-358-0757.

AWARDS PRESENTATION | OCT. 24 | 5:30 P.M. PRESENTING SPONSORS

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SCHOOL LIST PREPARING THE NEX T G ENER ATION

Start the selection process. Top private school open house dates not to miss!

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SEPTEMBER 4, 2017

SCHOOL LIST

TOP PRIVATE SCHOOL OPEN HOUSE DATES NOT TO MISS

ARCHBISHOP STEPINAC HIGH SCHOOL 950 Mamaroneck Ave., White Plains, N.Y. 10605 914-946-4800 // stepinac.org Top administrator: Thomas Collins, president Open house dates: Sunday, Oct. 15, 2-4 p.m.; and Sunday, Oct. 24, 6-8 p.m.

BI-CULTURAL DAY SCHOOL

2186 High Ridge Road, Stamford, Conn. 06903 203-329-2186 // bcds.org Top administrator: Jacqueline Herman Open house dates: Sunday, Nov. 6, 10:30 a.m. to noon Tucked away on a graceful, 13-acre green campus, the Bi-Cultural Day School is a preschool through eighth grade Jewish day school that integrates a STEAM-based, dual curriculum that encourages critical thinking and curious minds. Beginning with the school’s perspective, “Play with a Purpose,” early childhood program, the school’s nationally recognized faculty teachers tailor teaching strategies to suit each child’s individual learning style and cultivate his or her unique interests, needs and abilities.

BRUNSWICK SCHOOL

100 Maher Ave., Greenwich, Conn. 06830 203-625-5800 // brunswickschool.org Top administrator: Thomas Philip Open house dates: Sunday, Nov. 5; time to be declared. Vibrant and growing, Brunswick School has been defined and distinguished for more than 110 years by its commitment to “Courage, Honor, Truth.” The school offers rigorous academics, including an advanced scienceresearch program and 28 advanced-placement courses. It also offers comprehensive arts, drama and music and a renowned language program that includes instruction in Arabic, French, Spanish, Mandarin, Italian, Latin and Greek.

THE CHAPEL SCHOOL

172 White Plains Road, Bronxville, N.Y. 10708 914-337-3202 // thechapelschool.org Top administrator: Michael Schultz, principal Open house dates: Sunday, Oct. 1, 1-2:30 p.m. for sixth through eighth grade; Tuesday, Oct. 3, 7-8:30 p.m. for preschool; and Sunday, Oct. 15, 1-2:30 p.m. for kindergarten through fifth grade In its 71st year, The Chapel School offers an expanding roster of extracurricular programs, which include guitar, recording, violin and cello with Concordia faculty; National Junior Honor Society, technology and communications club, band, drama and musicals, select choir, golf, square, basketball, cross country and track.

CHRISTIAN HERITAGE SCHOOL 575 White Plains Road, Trumbull, Conn. 06611 203-261-6230 // kingsmen.org Top administrator: Brian Modarelli Open house dates: Saturday, Oct. 21, 2 p.m. EAGLE HILL SCHOOL 45 Glenville Road, Greenwich, Conn. 06831 203-622-9240 // eaglehillschool.org Top administrator: Marjorie E. Castro Open house dates: Tuesday, Sept. 19, 9 a.m.; Tuesday, Oct. 17, 9 a.m.; Tuesday, Nov. 14, 9 a.m.; Tuesday, Jan. 23, 2018, 9 a.m.; and for the Foundations Program, Tuesday, Oct. 24, 9 a.m., and Tuesday, Feb. 23, 2018, 9 a.m. FAIRFIELD COLLEGE PREPARATORY SCHOOL 1073 N. Benson Road, Fairfield, Conn. 06824 203-254-4200 // fairfieldprep.com Top administrator: Rev. Thomas M. Simisky Open house dates: Sunday, Oct. 1, 2-4 p.m. FAIRFIELD COUNTRY DAY SCHOOL 2970 Bronson Road, Fairfield, Conn. 06824 203-259-2723 // fairfieldcountryday.org Top administrator: John R. Munro Jr. Open house dates: Monday, Nov. 12, 1-3:30 p.m., family open house; Thursday, Jan. 17, 2017, 10-11:30 a.m. parent lower school look and learn, preschool through third grade; Saturday, Jan. 19, 9-10:30 a.m., parent middle school and supper school session, for fourth through ninth grade students FORDHAM PREPARATORY SCHOOL 441 E. Fordham Road, Bronx, N.Y. 10458 718-367-7500 // fordhamprep.org Top administrator: Christopher Devron Open house dates: Sunday, Oct. 29, 1-4 p.m.

FORMAN SCHOOL

12 Norfold Road, Litchfield, Conn. 06759 860-567-8712 // formanschool.org Top administrator: Adam K. Man Open house dates: Monday, Oct. 9, 8:30 registration, 9 a.m. to noon program In a traditional boarding school setting, students of the Forman School are guided in learning strategies by specialists who are also coaches, mentors and dorm parents. The school’s 100 percent college placement rate reflects the passion for learning that students experience. Its 125-acre campus includes four athletic fields, a gymnasium, a rock-climbing wall, science center, ingenuity lab and dormitories and a new visual and performing arts center includes a 300-seat theater and state-of-the-art classrooms.

FRENCH-AMERICAN SCHOOL OF NEW YORK

Pre-school 85 Palmer Ave., Scarsdale, N.Y. 10583 914-250-0521 Elementary School 111 Larchmont Ave., Larchmont, N.Y. 10538 914-250-0469 Middle and High School 145 New St., Mamaroneck, N.Y. 10543 914-250-0451 fasny.org Top administrator: Joël Peinado Open house dates: Saturday, Nov. 4, and Saturday, Jan. 20, 2018. (To schedule a private tour, contact admissions@fasny.org or call 914-250-0401). A Westchester County independent, coed nursery through grade 12 day school, FASNY’s unique bilingual curriculum, open to non-French speakers from nursery to kindergarten and from ninth to 12th grades, ensures students acquire academic fluency, mental flexibility and open-mindedness key in tomorrow’s world. Double language immersion in preschool brings children to bilingualism, a ninth through 10th grade all-English International Program culminates in an 11th grade IB track, tailored to rising bilingual FASNY students, local non-French speakers, and qualified international students. FUSION ACADEMY FAIRFIELD 2150 Post Road, Suite 304, Fairfield, Conn. 06824 475-888-9256 // fusionfairfield.com Top administrator: Amanda Sylvester Open house dates: date to be declared. FUSION ACADEMY GREENWICH 66 Gatehouse Road, Stamford, Conn. 06902 203-323-2191 // fusiongreenwich.com Top administrator: Maggie Roche Open house dates: Sunday, Sept. 28, 5-7 p.m.; Thursday, Feb. 15, 2018, 10 a.m. to 3 p.m.; and Thursday, April 5, 2018, 6-8 p.m. FUSION ACADEMY WESTCHESTER 701 Westchester Ave., Suite 200E, White Plains, N.Y. 10604 914-285-9036 // fusionwestchester.com Top administrator: Stephanie Gold Open house dates: Thursday, Oct. 12; Wednesday, Nov. 8; and Wednesday, Dec. 6. Times to be declared. GERMAN INTERNATIONAL SCHOOL NEW YORK 50 Partridge Road, White Plains, N.Y. 10605 914-948-6513 // gisny.org Top administrator: Ulrich Weghoﬀ Open house dates: Friday, Oct. 20, 10 a.m.; Friday, Dec. 8, 10 a.m.; and Friday, Jan. 19, 2018, 10 a.m.

OPEN HOUSE | SATURDAY, OCTOBER 28, 2017 | 12 p.m.–4 p.m.

GERMAN SCHOOL OF CONNECTICUT Campus located at Rippowan Middle School 381 High Ridge Road, Stamford, Conn. 06905 203-548-0438 // germanschoolct.org Top administrator: Renate Ludanyi Open house dates: Saturday, Sept. 9, 9:30 a.m. to 12:15 p.m. GREEN MEADOW WALDORF SCHOOL 307 Hungry Hollow Road, Chestnut Ridge, N.Y. 10977 845-356-2514 // gmws.org Top administrator: Bill Pernice, pedagogical administrator Open house dates: Friday, Oct. 13, 9 a.m.; Friday, Dec. 1, 9 a.m.; Friday, Jan. 19, 9 a.m.; Friday, March 16, 9 a.m.; and Friday, May 11, 9 a.m. GREENS FARMS ACADEMY 35 Beachside Ave., Greens Farms, Conn. 06838 203-256-0717 // gfacademy.org Top administrator: Janet Hartwell Open house dates: Tuesday, Oct. 3, 8:30 a.m., Wednesday, Nov. 1, 8:30 a.m., and Thursday, Dec. 7, 8:30 a.m., preschool through fourth grade; and Thursday, Oct. 19, 7 p.m., and Thursday, Nov. 9, 7 p.m., grades five through 12 GREENWICH ACADEMY 200 N. Maple Ave., Greenwich, Conn. 06830 203-625-8900 // greenwichacademy.org Top administrator: Molly H. King Open house dates: Sunday, Oct. 15. Time to be declared. GREENWICH CATHOLIC SCHOOL 41 North St., Greenwich, Conn. 06830 203-869-4000 // gcsct.org Top administrator: Patrice Kopas Open house dates: Sunday, Oct. 15. Time to be declared. THE GREENWICH COUNTRY DAY SCHOOL 401 Old Church Road, Greenwich, Conn. 06830 203-865-5600 // gcds.net Top administrator: Adam Rohdie Open house dates: Sunday, Oct. 22, 1 p.m. THE GREENWICH SPANISH SCHOOL The O’Connor Center 6 Riverside Ave., Riverside, Conn. 06878 203-698-1500 // greenwichspanish.org Top administrator: Rosario Brooks, director Open house dates: date to be declared. THE GUNNERY 22 Kirby Road, Washington, Conn. 06793 860-868-7334 // gunnery.org Top administrator: Peter W. E. Becker Open house dates: date to be declared. HACKLEY SCHOOL 293 Benedict Ave., Tarrytown, N.Y. 10591 914-366-2600 // hackleyschool.org Top administrator: Michael C. Wirtz Open house dates: Saturday, Oct. 28, 9 a.m. to noon, upper and middle schools; Saturday, November 18, 9:30 a.m. to noon, lower school, kindergarten through fourth grade

THE HARVEY SCHOOL

260 Jay St., Katonah, N.Y. 10536 // 914-232-3161 // harveyschool.org Top administrator: Bill Knauer Open house dates: Saturday, October 14, 9 a.m. The Harvey School offers a wide array of extracurricular activities in fine and performing arts, interscholastic sports and community service. The school features an international student program, including week-long and semester-long exchange programs, optional five-day boarding, offering the benefits of a boarding school with the comfort of home on weekends and an award-winning robotics program. IMMACULATE HIGH SCHOOL 73 Southern Blvd., Danbury, Conn. 06810 203-744-1510 // immaculatehs.org Top administrator: Mary R. Maloney Open house dates: Sunday, October 1, 11 a.m. to 1 p.m.

  

Class of 2017 accepted to over 200 Colleges and Universities 93% received Academic Scholarships $34.7 million received in Academic Scholarships

500 West Hartsdale Avenue, Hartsdale, New York | 914.761.3300 | www.mariaregina.org

SEPTEMBER 4, 2017

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IONA PREPARATORY SCHOOL Lower School, grades K-8 173 Stratton Road, New Rochelle, N.Y. 10804 917-699-7744 Upper School, grades 9-12 255 Wilmot Road, New Rochelle, N.Y. 10804 ionaprep.org Top administrator: Brother Thomas Leto Open house dates: Sunday, October 22, noon to 3 p.m., and Wednesday, October 25, 6-8 p.m. for the upper school; and Thursday, November 2, 7 p.m. for the lower school

SCHOOL LIST

TOP PRIVATE SCHOOL OPEN HOUSE DATES NOT TO MISS

JOHN F. KENNEDY CATHOLIC HIGH SCHOOL 54 Route 138, Somers, N.Y. 10589 914-232-5061 // kennedycatholic.org Top administrator: Father Mark G. Vaillancourt Open house dates: Wednesday, October 18, 7-9 p.m., and Sunday, October 22, 1-4 p.m. THE KARAFIN SCHOOL 40-1 Radio Circle, Mount Kisco, N.Y. 10549 914-666-9211 // karafinschool.com Top administrator: Renee L. Donow Open house dates: date to be determined.

KING SCHOOL

1450 Newfield Ave., Stamford, Conn. 06805 203-322-3496 // kingschoolct.org Top administrator: Thomas Main Open house dates: Sunday, Oct. 15, middle school and upper school open house, 1-4 p.m.; Sunday, Nov. 5, lower school open house, 1-4 p.m.; and coﬀee and conversation event, Tuesdays, 9:45 a.m. King School’s personalized approach to teaching and learning is the essence on which the students thrive. King, a preschool through grade 12 independent school, has embraced the “person” in personalization — the student’s passions, goals and challenges. Underpinning the teachers’ deep understanding of each student is a comprehensive student learning profile, introduced in preschool and developed through senior year. LÉMAN MANHATTAN PREPARATORY SCHOOL Lower School 41 Broad St., New York, N.Y. 10004 Upper School 1 Morris St., New York, N.Y. 10004 212-232-0266 // lemanmanhattan.org Top administrator: Maria Castelluccio Open house dates: Tuesday, Sept. 5, lower and upper schools. Time to be declared. MAPLEBROOK SCHOOL 5142 Route 22, Amenia, N.Y. 12501 845-373-8191 // maplebrookschool.org Top administrator: Donna Konkolics Open house dates: date to be declared.

MARIA REGINA HIGH SCHOOL

500 W. Hartsdale Ave., Hartsdale, N.Y. 10530 914-761-3300 // mariaregina.org Top administrator: Valerie Reidy Open house dates: Sunday, Oct. 28, noon to 4 p.m. Celebrating 60 years of excellence, Maria Regina High School is committed to the values of scholarship, service and spirit. The school challenges young women to develop their intellectual potential and talents through individualized academic programs, strong athletic, extracurricular and service opportunities, all in a strong, spirited atmosphere.

THE MASTERS SCHOOL

49 Clinton Ave., Dobbs Ferry, N.Y. 10522 914-479-6400 // mastersny.org Top administrator: Laura Danforth Open house dates: Sunday, Oct. 21, noon, grades nine through 12; and Sunday, Nov. 4, noon, grades five through eight The Masters School is a leading co-ed day and boarding school for grades five through 12 that enriches students’ minds, preparing them for success in college, career and life. Located on 96 beautiful acres, Masters is a diverse and vibrant convergence of ideas, cultures, arts and athletics. All students benefit from an active seven-day campus and an accessible faculty, 60 percent of whom live on campus plus an outstanding performing and visual arts program and athletics program featuring 37 teams and new 75,000-square-foot athletics and arts center.

NEW CANAAN COUNTRY SCHOOL 635 Frogtown Road, New Canaan, Conn. 06840 203-972-0771 // countryschool.net Top administrator: Robert P. Macrae Open house dates: Sunday, Nov. 5, 1-3 p.m., early childhood and lower school open house; Wednesday, Nov. 15, 6:30-8 p.m., middle school open house NORD ANGLIA INTERNATIONAL SCHOOL, NEW YORK 44 E. Second St., New York, N.Y. 10003 212-600-2010 // nordangliaeducation.com Top administrator: Adam Stevens, interim principal Open house dates: private visits available upon request. NOTRE DAME CATHOLIC HIGH SCHOOL 220 Jeﬀerson St., Fairfield, Conn. 06825 203-372-6521 // notredame.org Top administrator: Christopher Cipriano Open house dates: Sunday, Oct. 22, 1:30-2:30 p.m. OAKWOOD FRIENDS SCHOOL 22 Spackenhill Road, Poughkeepsie, N.Y. 12603 845-242-2340 // oakwoodfriends.org Top administrator: Chad Cianfrani Open house dates: date to be declared.

OUR LADY OF FATIMA SCHOOL

225 Danbury Road, Wilton, Conn. 06897 203-762-8100 // olfcatholic.org Top administrator: Stan Steele, principal Open house dates: Monday, Oct. 15; Monday, Feb. 4, 2018 and Monday, April 29, 2018. Times to be declared. A co-educational National Blue Ribbon School offering preschool through eighth grade learning. Small class sizes, individualized instruction, and STEM curriculum allow for mastery of core academic concepts, achieving excellence beyond standardized testing norms. Experienced and caring teachers create a nurturing environment that motivates children to reach their highest potential. A hallmark of the school is the emphasis on “Service above Self” with community events scheduled throughout the year to develop strong character, moral values, and respect for self and others. REGIS HIGH SCHOOL 55 E. 84 St., New York, N.Y. 10028 212-288-1100 // regis.org Top administrator: Fr. Daniel Lahart Open house dates: for residents of the Bronx, Manhattan and Westchester County, Wednesday, Oct. 4, 5:30-8:30 p.m.; for residents of all other areas, Monday, Oct. 9, 1-4 p.m.

RIDGEFIELD ACADEMY 223 W. Mountain Road, Ridgefield, Conn. 6877 203-894-1800 // ridgefieldacademy.org Top administrator: James P. Heus Open house dates: Saturday, Nov. 4, 10 a.m. to noon

RIPPOWAM CISQUA SCHOOL

Lower School 325 W. Patent Road, Mount Kisco, N.Y. 10549 914-244-1200 Upper School 439 Cantitoe St., Bedford, N.Y. 10506 914-244-1250 rcsny.org Top administrator: Colm McMahon Open house dates: Sunday, Oct. 21, 1-3 p.m., upper school open house, grades five through nine; Sunday, Oct. 21, 9 a.m. to 11 p.m., lower school open house, preschool through fourth grade Rippowan Cisqua is opening a new upper campus, which will include a 2,460-square-foot library and media center, a 2,400-square-foot innovation center, two full-floor visual arts studios, two new immersive science labs, a new courtyard and amphitheater, a new dining hall with an outdoor dining terrace, an additional athletics practice field and increased classroom spaces. RUDOLPH STEINER SCHOOL 15 E. 78 St., New York, N.Y. 10075 347-289-7565 // steiner.edu Top administrator: Open house dates: Tuesday, Oct. 24, 7-9 p.m., for nursery through sixth grade, parents only; Tuesday, Oct. 16, 6:30-8 p.m., grades seven through 12, parents and students welcome; open classroom experience, Saturday, Nov. 4, 10:30 a.m. to 1 p.m. for parent-child program, nursery and kindergarten, parents and children welcome; and curriculum night for nursery through grade 12, Wednesday, Nov. 8, 7-9 p.m., parents only

SACRED HEART GREENWICH

1177 King St., Greenwich, Conn. 06831 203-531-6500 // cshgreenwich.org Top administrator: Pamela Juan Hayes Open house dates: Thursday, Oct. 5, 9 a.m. to noon; Thursday, Nov. 2, 9 a.m. to noon; Thursday, Dec. 7, 9 a.m. to noon; Thursday, Jan. 11, 2019, 9 a.m. to noon Founded in 1848, Sacred Heart Greenwich offers a rigorous and integrated program in science, technology, engineering, arts and mathematics (STEAM). Upper school students can enroll in a three-year science research program, which offers internships at medical colleges and research institutions. Students interested in the arts have use of a full performing arts theater, art studies for the lower, middle and upper schools, a storytelling room, an outdoor amphitheater and a broadcast journalism studio. SAINT BARNABAS HIGH SCHOOL 425 E. 240 St., Bronx, N.Y. 10470 718-325-8800 // stbarnabashigh.com Top administrator: Theresa Napoli Open house dates: Thursday, Oct. 19, 6-8 p.m.; and Saturday, Oct. 28, noon to 2:30 p.m. SAINT JOSEPH HIGH SCHOOL 2320 Huntington Turnpike, Trumbull, Conn. 06611 203-378-9378 // sjcadets.org Top administrator: William Fitzgerald Open house dates: Monday, Oct. 15, 1-4 p.m. (pre-register online); Thursday, April 4, 7-8:30 p.m. spring open house SAINT LUKE’S SCHOOL 377 N. Wilton Road, New Canaan, Conn. 06840 203-966-5612 // stlukesct.org Top administrator: Mark Davis Open house dates: Sunday, Oct. 29, noon to 2 p.m., upper school open house; Sunday, Oct. 29, 2:30-4:30 p.m., middle school open house

RYE COUNTRY DAY SCHOOL 3 Cedar St., Rye, N.Y. 10580 914-967-1417 // ryecountryday.org Top administrator: Scott A. Nelson Open house dates: Monday, Oct. 15, lower school; Monday, Oct. 22, upper school; and Monday, Oct. 29, middle school

DISCOVER YOUR

MIGHT

MILLBROOK SCHOOL 131 Millbrook School Road, Millbrook, N.Y. 12545 845-677-8261 // millbrook.org Top administrator: Drew Casertano Open house dates: Sunday, Sept. 23, 9 a.m. to noon

The power of you, unleashed by a Masters education. The Masters School is an independent day and boarding school for grades 5–12 that empowers independent thinkers through active intellectual exploration. Located on 96 beautiful acres, the School embraces a diverse and vibrant convergence of ideas, cultures, arts and athletics. Masters students confidently find their own voices, take risks, develop their talents and emerge ready for college, career and life and motivated to be a power for good in the world.

OPEN HOUSE

Grades 9–12 | Oct 21 at 12 noon Grades 5–8 | Nov 4 at 12 noon

THE MONTFORT ACADEMY 125 E. Birch St., Mount Vernon, N.Y. 10552 914-699-7090 // themontfortacademy.org Top administrator: David Petrillo Open house dates: Monday, Oct. 15, noon to 3 p.m.; and Thursday, Oct. 18, 6-9 p.m.

RSVP to (914) 479-6420 or admission@mastersny.org Private busing options.

49 Clinton Avenue | Dobbs Ferry, NY | mastersny.org

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SEPTEMBER 4, 2017

SCHOOL LIST

TOP PRIVATE SCHOOL OPEN HOUSE DATES NOT TO MISS

SCHOOL OF THE HOLY CHILD

2225 Westchester Ave., Rye, N.Y. 10580 914-967-5622 // holychildrye.org Top administrator: Melissa Dan Open house dates: Saturday, Oct. 14, 1-4 p.m. A college-preparatory school for girls, fifth grade through 12th grade, that strives to develop “women of conscience and action.” Accomplished and dedicated faculty members foster the spiritual development, individual talents and interests of each student. This is realized through rigorous and comprehensive academic, arts, athletics, service and global programs.

SOLOMON SCHECHTER SCHOOL OF WESTCHESTER Lower School, K-5 30 Dellwood Road, White Plains, N.Y. 10605 914-948-3111 Upper School, 6-12 555 W. Hartsdale Ave., Hartsdale, N.Y. 10530 914-948-8333 schechterwestchester.org Top administrator: Michael Kay Open house dates: Sunday, Oct. 5, high school; Sunday, Nov. 12, lower school; and Sunday, Dec. 21, middle school. Times to be declared.

SOUNDVIEW PREPARATORY SCHOOL

370 Underhill Ave., Yorktown Heights, N.Y. 10598 914-962-2780 // soundviewprep.org Top administrator: Ken Cotrone Open house dates: Monday, Oct. 15, 1-3 p.m. Soundview Preparatory School is an independent day school for grades six through 12, offering several academic specialties, including a flexible support center, music production and recording course, a senior internship program, a science research program and expanded AP course offerings.

Small School… Big Opportunities… Endless Possibilities. Our extensive program and personalized college placement process prepare our students to thrive in college and beyond.

260 Jay Street • Katonah, NY 10536 • 914.301.7451 admissions@harveyschool.org • harveybacktoschool.net A coeducational college preparatory school enrolling students in grades 6–12 for day and in grades 9–12 for five-day boarding.

ADMISSIONS OPEN HOUSE: SATURDAY, OCTOBER 14 AT 9 A.M.

THE SPENCE SCHOOL Lower School 56 E. 93rd St., New York, N.Y. 10128 Middle and Upper School 22 E. 91 St., New York, N.Y. 10128 212-289-5940 // spenceschool.org Top administrator: Bodie Brizendine Open house dates: Thursday, Oct. 25, 5:30-7:3- p.m., lower school sampler; and Tuesday, Oct. 30, 5:30-7 p.m., middle and upper school sampler THE STANWICH SCHOOL 275 Stanwich Road, Greenwich, Conn. 06830 203-542-0000 // stanwichschool.org Top administrator: Charles Sachs Open house dates: Thursday, Nov. 2; Thursday, Jan. 18, 2018 (snow date, Thursday, Jan. 25); and Tuesday, April 24, 2018. Times to be declared. THE STORM KING SCHOOL 314 Mountain Road, Cornwall-On-Hudson, N.Y. 12520 845-534-7893 // sks.org Top administrator: Jonathan W. R. Lamb Open house dates: Saturday, Sept. 16, 10 a.m. to noon; Saturday, Oct. 7, 10 a.m. to noon; Saturday, Nov. 4, 10 a.m. to noon; Saturday, April 24, 2018, 10 a.m. to noon; and Saturday, May 19, 10 a.m. to noon

THE URSULINE SCHOOL

1354 North Ave., New Rochelle, N.Y. 10804 914-636-3950 // ursulinenewrochelle.org Top administrator: Eileen F. Davidson Open house dates: Saturday, October 28, 12:30-3:30 p.m.; middle school, Saturday, Feb. 3, 2017, noon to 2 p.m. The mission of The Ursuline School is to educate, inspire and empower a diverse population of 800 young women in sixth grade through 12th grade by providing them with a 21st century Catholic, college-preparatory education. The school belongs to the New York State Public High School Athletic Association and has 33 teams of student athletes. THE WINDWARD SCHOOL Lower School 13 Windward Ave., White Plains, N.Y. 10605 Middle School 40 W. Red Oak Lane, White Plains, N.Y. 10604 Windward Manhattan 202 W. 97 St., New York, N.Y., 10025 914-949-6968 // thewindwardschool.org Top administrator: John J. Russell Open house dates: Thursday, Sept. 7, 12:30 p.m., open house for all of Westchester’s fifth grade students; Thursday, Sept. 7, 1 p.m., open house for all new students in Westchester County attending first through fourth grade TRINITY CATHOLIC HIGH SCHOOL 926 Newfield Ave., Stamford, Conn. 06905 203-322-3401 // trinitycatholic.org Top administrator: Dave Williams Open house dates: Tuesday, Oct. 17. Time to be determined.

Open House Dates: Saturday, November 4, 2017 Saturday, January 20, 2018

French-American School of New York Growing Global Citizens

Accepting non-French speakers: • In Nursery, Pre-K and Kindergarten: Bilingual immersion • In High School: IB Diploma Programme taught in English Bilingual Co-ed School • Nursery (3 years old) through Grade 12 Campuses in Scarsdale, Larchmont, Mamaroneck

www.fasny.org • (914) 250-0401 18

SEPTEMBER 4, 2017

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WHITBY SCHOOL 969 Lake Ave., Greenwich, Conn. 06831 203-869-8464 // whitbyschool.org Top administrator: Simone Becker, head of lower school; Jonathan Chein, head of upper school Open house dates: Sunday, Nov. 5, 1 p.m. WOOSTER SCHOOL 91 Miry Brook Road, Danbury, Conn. 06810 203-830-3900 // woosterschool.org Top administrator: Matt Byrnes Open house dates: Saturday, Oct. 14, 9 a.m.; Tuesday, Nov. 28, 6:30 p.m.; and Sunday, April 22, 2018, 1 p.m.

FACTS & FIGURES COURT CASES Atlas Health Care Linen Services Co. LLC. Filed by the trustees of The National Retirement Fund. Action: E.R.I.S.A. — delinquent contributions. Attorney: Jennifer Oh and David C. Sapp Jr. Filed: Aug. 28. Case no. 7:17-cv06487-NSR. Fred Meyer Jewelers Inc. Filed by Lawrence Young. Action: Americans with Disabilities Act — civil enforcement actions. Attorney: Douglas Brian Lipsky. Filed: Aug. 24. Case no. 7:17-cv06409-VB. Retriever Medical/Dental Payments LLC. Filed by W.H. Evans Consulting Inc. Action: diversity-other contract. Attorney: W. Charles Sipio. Filed: Aug. 25. Case no. 7:17-cv-06436KMK. Rosann Land Improvement Ltd. Filed by Jose Barragan Contreras, Juan Alonzo Orellana and Jorge Yepez. Action: Fair Labor Standards Act. Attorney: Robert David McCreanor. Filed: Aug. 25. Case no. 7:17-cv06453-CS. Selene Finance LLC. Filed by Diana Werner. Action: federal question. Attorney: Richard J. Davis. Filed: Aug. 28. Case no. 7:17-cv-06514.

DEEDS Above $1 million 136-138 Irving Owners LLC, Port Chester. Seller: Tammarende Realty LLC, Yonkers. Property: 136-140 Irving Ave., Rye. Amount: $1.2 million. Filed Aug. 22. 160 Palisade Realty Partners LLC, Scarsdale. Seller: Van-Oak Realty Corp., Yonkers. Property: 160 Palisade Ave., Yonkers. Amount: $1.3 million. Filed Aug. 22. AR Vernon LLC, Brooklyn. Seller: 240 East 3rd LLC, Yonkers. Property: 240 E. Third St., Mount Vernon. Amount: $1.5 million. Filed Aug. 23. National Residential Nominee Services Inc. Seller: Pinaki Kar, et al, Chappaqua. Property: 97 Random Farms Drive, New Castle. Amount: $1.3 million. Filed Aug. 23. NY Luxury Motors of Mount Kisco Inc., Fort Lauderdale, Fla. Seller: Kisco River Properties LLC, Mount Kisco. Property: 41 Kensico Drive, Mount Kisco. Amount: $2.9 million. Filed Aug. 24.

Sell Phone Basement LLC. Filed by Otter Products LLC. Action: trademark infringement (Lanham Act). Attorney: Walter-Michael Lee. Filed: Aug. 28. Case no. 7:17-cv-06429-VB.

Palladium Realty LLC, Purchase. Seller: Renaissance Rental Partners LLC, White Plains. Property: Five Renaissance Square, PH4C, White Plains. Amount: $2.1 million. Filed Aug. 22.

Walmart Stores East LP. Filed by Walter Borys. Action: diversity — notice of removal. Attorney: Patricia A. O’Connor. Filed: Aug. 23. Case no. 7:17-cv-06418-NSR.

Reid S. Broadway LLC, Hartsdale. Seller: The Mauro Group Inc., Yonkers. Property: 201 S. Broadway, Yonkers. Amount: $1.1 million. Filed Aug. 25.

Yonkers Public Schools. Filed by Avinash Sawhney. Action: job discrimination (age). Attorney: Michael Howard Sussman. Filed: June 29. Case no. 7:17-cv-06540-CS.

Wells Fargo Bank N.A. Seller: Gordon B. Fine, Yorktown Heights. Property: 3 Locust Lane, Mount Vernon. Amount: $1.1 million. Filed Aug. 25.

Below $1 million

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: John Golden c/o Westfair Communications Inc. 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3680

113 Capital — 44E Cottage Street LLC, Bedford Corners. Seller: Rye Condos LLC, Port Chester. Property: 44 Cottage Street East, Rye. Amount: $375,000. Filed Aug. 23. 113 Capital—44F Cottage Street LLC, Bedford Corners. Seller: Rye Condos LLC, Port Chester. Property: 44 Cottage St., Rye. Amount: $375,000. Filed Aug. 22. 117 Wyndcliff Road Realty LLC, Yonkers. Seller: City of Yonkers. Property: 117 Wyndcliff Road, Yonkers. Amount: $799,105. Filed Aug. 24.

ON THE RECORD

276653 Holdings Corp., Bronx. Seller: Joseph G. Goubeaud Jr., Mount Vernon. Property: 115 Grandview Ave., Mount Vernon. Amount: $210,010. Filed Aug. 24. 42 Smith LLC, Mamaroneck. Seller: Mazel 42 Smith Street Company LLC, Scarsdale. Property: 42 Smith St., Rye. Amount: $870,700. Filed Aug. 21. 50 Bleecker LLC, Brooklyn. Seller: 4 Greenmeadow LLC, Eastchester. Property: 50 Bleeker Street South, Mount Vernon. Amount: $455,000. Filed Aug. 24. 68 Sanford LLC, Pleasantville. Seller: Bernard and S. Dean Levy Inc., Mount Vernon. Property: S. First Ave., Mount Vernon. Amount: $35,000. Filed Aug. 21. 916 E80SB LLC, Brooklyn. Seller: United Joint Venture LP, Newton Falls, Ohio. Property: 23 Riverview Place, Yonkers. Amount: $315,890. Filed Aug. 21. Bindela Construction LLC, Bronx. Seller: Dianne E. Jordan, et al, Belle Mead, N.J. Property: 195 Inwood Road, Greenburgh. Amount: $595,000. Filed Aug. 23. C2GRE LLC, White Plains. Seller: JoAnn Cambareri, Tarrytown. Property: 48 Ogden Place West, Greenburgh. Amount: $345,000. Filed Aug. 24.

Grace Baptist Church of the City of Mount Vernon, Mount Vernon. Seller: Jeffrey M. Binder, White Plains. Property: 32-34 S. Sixth Ave., Mount Vernon. Amount: $410,100. Filed Aug. 23. HSBC Bank USA N.A. Seller: Christopher Meagher, White Plains. Property: 8 Brundage St., North Castle. Amount: $673,935. Filed Aug. 24. HSBC Bank USA N.A. Seller: Daniel Saul Finger, White Plains. Property: 5 Teramar Way, Greenburgh. Amount: $477,787. Filed Aug. 21. Iron Built Capital LLC, Yonkers. Seller: Lynne A. Adler, Yonkers. Property: 489 McLean Ave., Yonkers. Amount: $225,000. Filed Aug. 22. JSN of NY LLC, Mahopac. Seller: 227 Realty Corp., Hawthorne. Property: 227 Westchester Ave., Rye. Amount: $700,000. Filed Aug. 25. Little Bonnie and Company LLC, Bedford Hills. Seller: Susan C. Gutman, Pompano Beach, Fla. Property: 211 Grove St., Mount Kisco. Amount: $675,000. Filed Aug. 23. LMW Pleasant Realty LLC, New Rochelle. Seller: Janet Chadwick, LaGrangeville. Property: 41 Pleasant St., New Rochelle. Amount: $460,000. Filed Aug. 21.

C2GRE LLC, White Plains. Seller: Liam McLaughlin, White Plains. Property: 21 Limestone Road, North Castle. Amount: $465,600. Filed Aug. 22.

MTGLQ Investors LP. Seller: Christopher Blake Meagher, White Plains. Property: 31 Beekman Ave., Mount Vernon. Amount: $603,829. Filed Aug. 22.

Cartus Financial Corp., Danbury, Conn. Seller: Niall Gordon, et al, Mamaroneck. Property: 3 Country Road, Mamaroneck. Amount: $875,000. Filed Aug. 22.

NYC REO LLC, Whitestone. Seller: Just Cause Properties Inc., Crompond. Property: 4 W. Decatur Road, Cortlandt. Amount: $375,352. Filed Aug. 24.

Cohen Realty USA LLC, New York City. Seller: Daphne Price, et al, Mount Vernon. Property: 139 N. MacQuesten Parkway, Mount Vernon. Amount: $130,000. Filed Aug. 23.

Oconnor Construction LLC, Bronx. Seller: Wells Fargo Bank N.A. Property: 132 Franklin Ave., Mount Vernon. Amount: $153,000. Filed Aug. 25.

Cortlandt Realty Corp., Montrose. Seller: Gary C. White, Montrose. Property: 17 Kings Ferry Road, Cortlandt. Amount: $250,000. Filed Aug. 23.

ODMAV Investors LLC, Cortlandt Manor. Seller: The Bank of New York Mellon. Property: 1119 Elms St., Peekskill. Amount: $225,900. Filed Aug. 24.

Disage Homes LLC, White Plains. Seller: Desiderata Agostino, Greenwich, Conn. Property: 150 N. Broadway, B2E, White Plains. Amount: $175,000. Filed Aug. 22.

RJN Realty Group LLC, Yonkers. Seller: 225 South Broadway LLC, Yonkers. Property: 255 S. Broadway, Yonkers. Amount: $380,000. Filed Aug. 25.

Four-M’s of Westchester Ltd., West Harrison. Seller: James Williams, et al, Cortlandt Manor. Property: 963 Paulding St., Peekskill. Amount: $320,000. Filed Aug. 22.

Santander Bank N.A. Seller: Pasquale Cianciulli, et al, White Plains. Property: 194 Wilmot Road, Eastchester. Amount: $880,871. Filed Aug. 25.

State of New York Mortgage Agency, Mount Laurel, N.J. Seller: Kenneth Bunting, White Plains. Property: 128 Colonial Parkway, 2A, Yonkers. Amount: $334,097. Filed Aug. 22. T11 Funding, White Plains. Seller Peter H. Tilem, White Plains. Property: 65 Cecil Crest Road, Yonkers. Amount: $125,000. Filed Aug. 24. U.S. Bank N.A. Seller: Dennis E. Krolian, White Plains. Property: 173 Washington St., Mount Vernon. Amount: $225,904. Filed Aug. 22. U.S. Bank N.A. Seller: Warren L. Cohen, Tuckahoe. Property: 18 S. Central Ave., Greenburgh. Amount: $440,000 Filed Aug. 23. U.S. Bank Trust N.A. Seller: Jerrice D. Epps, White Plains. Property: 175 Washington Ave., Mount Vernon. Amount: $204,900. Filed Aug. 24. V Mortgage REO 2 LLC, Greenville, S.C. Seller: Michael J. Khader, Yonkers. Property: 7 Rhodes St., New Rochelle. Amount: $356,482. Filed Aug. 24. Weichert Workforce Mobility Inc., Morris Plains, N.J. Seller: Christine V. Valencia, Tarrytown. Property: 28 Trailhead Lane, Greenburgh. Amount: $835,000. Filed Aug. 23.

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Wells Fargo Bank N.A. Seller: Anthony Keogh, White Plains. Property: 3796 Gomer St., Yorktown. Amount: $774,399. Filed Aug. 25.

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Wells Fargo Bank N.A. Seller: Guy T. Parisi, Rye. Property: 556 Lincoln Avenue East, Mount Vernon. Amount: $658,001. Filed Aug. 24.

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Westchester Rising Acquisitions Corp., Brooklyn. Seller: Federal Home Loan Mortgage Corp. Property: 308 Franklin Ave., Mount Vernon. Amount: $181,750. Filed Aug. 25. WP 41 Realty LLC, Port Washington. Seller: Christine Graham, Chappaqua. Property: 31 Van Cortlandt Park Ave., Yonkers. Amount: $165,000. Filed Aug. 21.

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JUDGMENTS Debartolo Landscaping Inc., New Rochelle. $3,473 in favor of Ridgeway Garden Center LLC, White Plains. Filed Aug. 25. Stonewall Contracting Corp., College Point. $815,833 in favor of Berardi Stone Setting Inc., White Plains. Filed Aug. 25.

Shangod 2 Nu Realty LLC, New Rochelle. Seller: Willow Way LLC, San Jose, Calif. Property: 526 S. Ninth St., Mount Vernon. Amount: $125,000. Filed Aug. 22.

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SEPTEMBER 4, 2017

GOOD THINGS PAWSIBILITIES ARE ENDLESS

Auto Reflection 1 by David Curtis.

DIFFERENT VIEWS IN VIEWPOINTS The work of seven Hudson Valley photographers will be featured in an exhibit at Arts MidHudson that opens Sept. 8 with a reception from 5 to 7 p.m., and runs through Oct. 29. These photographers participate in the monthly photo salon held at Arts Mid-Hudson. The works that were selected for the exhibit represent their use of photography to express individual visions. Photographer David Curtis created a body of work based on reflections — how light can be bounced around and images distorted. “Group input inspired me to experiment further with my auto-reflections, both on location and in the digital darkroom. I’ve learned and grown as a photographer from the experience,” Curtis said. Claudia Gorman focused her work on sand dunes photographed at Great Sand Dunes National Park in Colorado and Death Valley National Park in California, inspired by photographers Brett and Edward Weston and Ansel Adams. Other salon members include Arlene Becker, Raimundo Carlos Gaby Júnior, Juliet Harrison, Paolo Nigris and Barbara Todd. Gaby Júnior said, “Our group could be used as a metaphor for the power of photography itself. Photography can raise consciousness through pushing us to see things differently, to pay attention. Images are powerful. Their power lies in the fact that they can transport us to places not previously visited, allowing us to dream by carrying us to worlds beyond ours.” Arts Mid-Hudson is at 696 Dutchess Turnpike in Poughkeepsie. More information at artsmidhudson.org.

CAREMOUNT NAMES NEW PROVIDERS CareMount Medical has announced the addition of six physicians to its group. Monica Gupta specializes in endocrinology and metabolism and is board-certified in internal medicine. She works at CareMount’s Briarcliff Manor location and has privileges at Northern Westchester Hospital. Varun Kumar specializes in gastroenterology and hepatology. He’s seeing patients in Poughkeepsie, Fishkill, and Kingston, and has privileges at Mid-Hudson Regional Hospital and Vassar Brothers Medical Center. Jennifer LaPorta is practicing family medicine at CareMount’s Mount Kisco office and has privileges at Northern Westchester Hospital. Elizabeth Ng specializes in pediatric neurology. She is practicing in Poughkeepsie, Fishkill and Kingston and has privileges at Vassar Brothers Medical Center. Katie Pandolfo is an ophthalmologist. She sees patients at offices in Rhinebeck and Kingston and has privileges at Northern Dutchess Hospital. Cardiologist A. Garvey Rene works at CareMount’s Mount Kisco and Fishkill offices. He holds privileges at Westchester Medical Center and consulting privileges at Northern Westchester Hospital.

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John Pinto with his adopted dogs: Sandy, an 11-year-old Puggle, Fiona, a 2-year-old tripod Dachshund, and Chloe, a 4-year-old Pit Bull. Pinto also is fostering Dasher, a 9-year-old Cocker Spaniel.

Pentegra Retirement Services, a financial company with corporate headquarters in White Plains and its northeast regional office in Shelton, Connecticut, has devised a new program to help bring together retirees and animals in shelters that need permanent homes. It’s called Pentegra Retirement Pawsibilities. By educating retirees about the benefits a pet can provide, Pentegra hopes to add an active, healthy component to its clients’ retirement years. The company points to various studies that show the benefits of adopting a dog or cat, such as providing structure and routine during otherwise inactive retirement days, stress reduction, increased social interaction and physical activity and support for a healthier and happier lifestyle. John Pinto, CEO of Pentegra, said, “We know the many health benefits for anyone with a cat or dog, but think about how much more time a retiree can give an animal in need of a home and how important that relationship can be physically, emotionally and socially to someone who has more time on their hands. It is a win-win and we want to educate our clients on how life-changing this can be.” Pentegra Retirement Pawsibilities provides a list of resources, including the benefits of adopting a shelter animal, a list of shelters and the best searchable adoption websites. The program also offers personal guidance from an animal adoption expert at Pentegra who can assist in making the perfect match. Retirees who adopt and submit copies of the adoption paperwork along with a photo of their new family member will receive a $50 gift card.

BOGDANSKI JOINS THE GIRL SCOUTS Girl Scouts Heart of the Hudson Inc. (GSHH) based in Pleasantville has named Deb Bogdanski as director of development. Her responsibilities will include the expansion of fundraising efforts. Prior to joining GSHH, she was general manager for Frontier Communications in the Hudson Valley markets. Before that, she was with the Orange County Chamber of Commerce and had been chief of staff for former state Assemblywoman Mary McPhillips. In 2011, Bogdanski, an Orange County resident, was inducted into the Hall of Fame created by the organization Leadership Orange. In 2003, she was named as the Women in Business Advocate of the Year by the U.S. Small Business Administration.

HGRF MAKES DONATIONS

The Hudson Gateway Realtor Foundation (HGRF), the charitable arm of the Hudson Gateway Association of Realtors, recently presented a check for $1,000 to April’s Child in White Plains. April’s Child is a nonprofit working to prevent child abuse and neglect and to strengthen families in Westchester County. Laura Schwartz, executive director of April’s Child, expressed appreciation for the donation and noted, “Thanks to their generosity, we are able to provide hope for the future for the children of Westchester and continue our work to ensure that children grow up in a safe and nurturing home.” Among the services offered by April’s Child are volunteer parent-aide programs that teach parenting skills and effective nonviolent discipline methods, anger management, stress relief and child development techniques. There are seminars and workshops for community organizations, as well as a parent hotline. A few days before the April’s Child check presentation, HGRF made a donation of $2,500 to Meals on Wheels of Rockland. It delivers meals to seniors and operates senior activity centers, an adult day care center and an adult learning center. Stephen Papas, director of development at Meals on Wheels, said the foundation’s donation will enable it “to provide over 300 meals to homebound seniors who are desperately in need of nutritional meals.”

NEW BOARD PRESIDENT AT FRIENDS OF KAREN Paul Smadbeck, senior managing director of sales at Cushman & Wakefield, has been elected president of the board of directors for Friends of Karen. The nonprofit organization supports children battling cancer and other life-threatening illnesses and their families in the tri-state area. Smadbeck is a Westchester resident. Friends of Karen has locations in North Salem, New York City and Port Jefferson. Smadbeck joined the board in April 1996. He is a published composer and is a trustee of the Heckscher Foundation for Children.

DATES HAPPENING BOWLING A STRIKE AGAINST HUNGER

$5K FOR CHILDREN’S VILLAGE

The Children’s Village in Dobbs Ferry has received $5,000 from the KeyBank Foundation to support the organization’s Work Appreciation for Youth Program. It provides paid professional mentors to offer foster care for teens who are returning to the community from Children’s Village’s residential campus. The KeyBank Foundation has supported this program since 2015. KeyBank’s Hudson Valley/Metro NY market president Joseph Markey said, “KeyBank understands the power that positive adult mentors can have in teens’ lives to help them grow into independent, productive members of our community. We are proud of our partnership with The Children’s Village, and happy to support the good work that they do for community youth.”

The Seuss’ettes from left: Michelle Taggart, Charlotte Diaz, Heather Decker, Rachael Cox and Luisa Scott.

The Strike Out Hunger Bowl-a-thon took place at the Quinnz Pinz bowling alley in Middletown for the benefit of RECAP’s Nutrition & Advocacy programs. The event generated more than $1,000 for the nonprofit’s food pantry. “We’re thankful for the community support we receive every year for this event,” said Francine Tavares, Human Services Coordinator at RECAP and organizer of the event. “The competition for best dressed was especially fierce this year.” Staff members of a local Head Start staff won trophies as Best Dressed Team for their costumes based on the art of children’s book author Dr. Seuss. Not so coincidentally, they named their team The Seuss’ettes. Other teams carried names such as Motion to Strike, The Dressers and the Gutter Girls. RECAP’s food pantry program will soon kick off its annual Thanksgiving Drive. The most needed donations are turkeys, canned gravy, boxed stuffing, canned yams and sweet potatoes, instant potatoes, pie and cake mix, and canned fruit and vegetables. Monetary donations help cover bulk purchases from local food banks. Donations are accepted until Friday, Nov. 17 at RECAP’s Nutrition & Advocacy Program at 119 E. Main St. in Middletown.

BREAKING GROUND AT THE WALKWAY The Walkway Over the Hudson is a converted railroad bridge spanning the Hudson River from Poughkeepsie on the east to Highland on the west. It was opened Oct. 3, 2009, as a pedestrian walkway as part of the Walkway Over the Hudson State Historic Park. On Aug. 22, the Walkway Over the Hudson nonprofit organization and New York State Office of Parks, Recreation and Historic Preservation (NYSOPRHP) hosted a ceremonial groundbreaking to mark the beginning of construction of the park’s new Ulster Welcome Center — a multipurpose visitors center being built by NYSOPRHP at the bridge’s western approach off of Haviland Road in the Town of Lloyd. The $4.5 million welcome center represents the state’s latest investment in a series of planned improvements. The Walkway attracts nearly 500,000 visitors annually and will be a major hub on Gov. Cuomo’s proposed Empire State Trail. “Construction of the Ulster Welcome Center shows that our partners in New York state government recognize the need to invest in parks and recreational infrastructure,” said Walkway Executive Director Elizabeth Waldstein-Hart. A similar welcome center is planned for the Walkway’s eastern approach in Poughkeepsie, with construction scheduled to begin in 2018.

From left: Roger Grossman of KeyBank with Elisabeth Vieselmeyer and Rick Goerg of The Children’s Village.

TAYLOR JOINS HOMESERVICES

MURRAY PROMOTED AT SOTHEBY’S

MULTZ JOINS WP HOSPITAL

Licensed real estate broker Wendy Triﬀon Taylor has joined the Scarsdale office of Berkshire Hathaway HomeServices Westchester Properties. She had been with Alchemy Properties Inc. where she was involved in more than $1.7 billion in sales of 15 new development properties. Alchemy is a privately held, New York City-based real estate development and investment firm, engaged in acquisitions, development, financing, construction management, repositioning, marketing, leasing and sales. Mark Nadler, director of Westchester sales for HomeServices, said of Taylor, “Her values and stellar reputation are a perfect fit for Berkshire Hathaway.” Taylor has more than 25 years experience in real estate and has lived in Ardsley for 12 years. In addition to real estate, she is passionate about puppies. She had adopted three and, with her daughter, regularly provides foster care to other puppies from Pet Rescue and Paws Crossed until permanent homes can be found for them.

Julia B. Fee Sotheby’s International Realty has promoted Jane Murray to the newly created position of assistant manager for the firm’s Larchmont brokerage. Murray previously served as a sales associate with the company. Sotheby’s reports its Larchmont office is one of the fastest-growing brokerages in Westchester County, increasing its market share by more than any other top 10 office in 2016. “Our exclusive boutique-style operation consistently outperforms market norms with a laser focus on individualized service and the exact results our clients desire — a higher average sale price,” said Carolyn Fugere, manager of the Larchmont office.

White Plains Hospital has announced the appointment of Alan Multz as its associate medical director for quality and complex care. In this role he will be focused on improving patient quality and safety through the multidisciplinary team model. Multz has trained hundreds of medical students, internal medicine residents and pulmonary/critical care fellows during the past 25 years. Multz earned his medical degree from Boston University. He completed an internship, a residency in internal medicine and fellowships in pulmonary medicine and critical care medicine at Montefiore Medical Center/Albert Einstein College of Medicine. He is board-certified in internal medicine, pulmonary medicine, and critical care medicine.

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

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SEPTEMBER 4, 2017

FACTS LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. Bennett, Jacqueline, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $450,000 affecting property located at 240 Abbott Ave., Greenburgh 10523. Filed Aug. 22. Brown, Stacey, et al. Filed by PennyMac Loan Services LLC. Action: seeks to foreclose on a mortgage to secure $304,385 affecting property located at 459 Bellevue Ave., Yonkers 10703. Filed Aug. 21. Davis, Ralph, 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 18 S. Terrace Ave., Mount Vernon 10550. Filed Aug. 21. Gallego, Luis, et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $328,000 affecting property located at 19 Fuller Road, Ossining 10562. Filed Aug. 21. Ginn, Michael, et al. Filed by PNC Bank N.A. Action: seeks to foreclose on a mortgage to secure $930,000 affecting property located at 450 Siwanoy Place, Pelham 10803. Filed Aug. 22. Golden, Vincent, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $50,000 affecting property located at 23 Victoria Ave., Montrose 10548. Filed Aug. 22. Hidalgo, Angel, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $350,200 affecting property located at 54 Babbitt Court, Elmsford 10523. Filed Aug. 22. Kawalek, Catherine M., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $449,500 affecting property located at 342 E. Devonia Ave., Mount Vernon 10552. Filed Aug. 21. McCabe, Richard, et al. Filed by USAlliance Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $89,000 affecting property located at 2 Mildred Ave., Rye 10580. Filed Aug. 22. McCabe, William E., et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $514,570 affecting property located at 9 Hudson St., Croton-on-Hudson 10520. Filed Aug. 21.

Oliva, Anna Lo, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $488,000 affecting property located at 24 Barrett Lane, Port Chester 10573. Filed Aug. 22. Public administrator of Westchester County as the limited administrator of the estate of Leonard Harewood, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $369,750 affecting property located at 31 Pearl St., Mount Vernon 10550. Filed Aug. 22. Simpson, Shannon, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $279,839 affecting property located at 14 High Meadow Trail, Unit A507, Peekskill 10566. Filed Aug. 22. Yusuf, Kudirat, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $330,808 affecting property located at 38 Cornell Ave., Yonkers 10705. Filed Aug. 22.

MECHANICâ&#x20AC;&#x2122;S LIENS

SEPTEMBER 4, 2017

Euro Paving Contracting, 67 Glover Ave., Yonkers 10704, c/o Natalia Martins. Filed July 18. Fellowship of Us, P.O. Box 372, Tarrytown 10591, c/o Moses Sanzo. Filed July 19. Flame Media Group, 137 S. Central Ave., Elmsford 10523, c/o Manjit Singh. Filed July 19. Gerald A. DeFeo CPA, 145 Bedford Road, Suite 201, Armonk 10504, c/o Gerald A. DeFeo. Filed July 18. Gestoria R Us, 134 North Ave., Suite 202, New Rochelle 10801, c/o Yolanny Rodriguez. Filed July 18. Glam Sparkle Clean, 94 Jervis Road, Yonkers 10705, c/o Felicia Maria Bertolini. Filed July 19. Gotham City Kids, 30 Livingston Ave., Dobbs Ferry 10522, c/o Karina Ream. Filed July 20. JoAnne Steiner, 16 Bedford Road, No. 1, Katonah 10536, c/o JoAnne Steiner. Filed July 19.

Keio Academy, as owner. $6,534 as claimed by Tradesource Inc. Property: in Harrison. Filed Aug. 21.

Jony R Painting, 225 Madison Ave., No. 2, Port Chester 10573, c/o Jony O. Ramirez Lopez. Filed July 19.

Lincoln Dobbs Ferry LLC, as owner. $109,592 as claimed by Winsupply Newburgh NY Co., New Windsor. Property: in Greenburgh. Filed Aug. 24.

KWD Executive Services, 11 Kenneth Road, White Plains 10605, c/o Katherine A. Welch. Filed July 18.

Scarsdale Shopping Center Associates LLC, as owner. $53,411 as claimed by Peckham Industries Inc., White Plains. Property: in New Rochelle. Filed Aug. 28. Sweet Hollow Properties LLC, et al, as owner. $19,485 as claimed by Specific Contracting Inc., Yonkers. Property: in Greenburgh. Filed Aug. 22.

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

Sole Proprietorships BlueIQ Innovations, 39 Huntville Road, Katonah 10536, c/o Lee Matthew Nicholson. Filed July 18. C.O. Landscaping, 1321 A Park St., Peekskill 10566, c/o Carlos S. Ortega. Filed July 19.

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Paper Street Hospitality Consulting, 38 McBride Ave., White Plains 10603, c/o Richard J. Longo. Filed July 19. Papilinâ&#x20AC;&#x2122;s Barber Shop, 188 Cortlandt St., Sleepy Hollow 10591, c/o Rafael Mota. Filed July 20. Sondra Harris Public Relations, 12 Main St., No. 3, Irvington 10533, c/o Sondra Harris. Filed July 19. The Hair Palace, 405 Riverdale Ave., Yonkers 10705, c/o David Fernandez. Filed July 19. United Custom Home Designs, 3370 Spruce St., Mohegan Lake 10547, c/o Michael Kulp. Filed July 19. Westchester Boxing Club Port Chester, 400 Westchester Ave., Port Chester 10573, c/o Nicholas J. Delury. Filed July 20.

PATENTS Adjusting prominence of a participant profile in a social networking interface. Patent no. 9,749,432 issued to Corville O. Allen, Morrisville, N.C.; and Bernadette A. Carter, Raleigh, N.C. Assigned to International Business Machines Corp., Armonk.

FIGURES Area code and call durationaware call screening. Patent no. 9,749,468 issued to Tracy C. Allen, Oakland, Calif.; Charles J. Bryant, Binghamton; Kevin D. McKenzie, Poughkeepsie; Ajay K. Moluguru, Allen, Texas; Eileen P. Tedesco, Sharon, Conn.; and Cherri Vidmar, Gilroy, Calif. Assigned to International Business Machines Corp., Armonk. Check operation dispersed storage network frame. Patent no. 9,749,419 issued to Andrew Baptist, Mount Pleasant, Wis.; Wesley Leggette, Chicago, Ill.; Jason K. Resch, Chicago, Ill.; Zachary J. Mark, Chicago, Ill.; Ilya Volvovski, Chicago, Ill.; and Greg Dhuse, Chicago, Ill. Assigned to International Business Machines Corp., Armonk. Configurable wireless switched network. Patent no. 9,750,041 issued to John E. Moore Jr., Brownburg, Ind.; Jeffrey K. Price, Austin, Texas; Robert R. Wentworth, Round Rock, Texas; Stanley C. Wood, Round Rock, Texas. Assigned to International Business Machines Corp., Armonk. Controlling mobile devise access with a paired device. Patent no. 9,749,864 issued to Yu David, Yorktown Heights; Lenny S. Li, Danbury, Conn.; Theresa Y. Tai, Hopewell Junction; and Liangzhao Zeng, Yorktown Heights. Assigned to International Business Machines Corp., Armonk. Coolant and ambient temperature control for chiller-less liquid-cooled data centers. Patent no. 9,750,165 issued to Timothy J. Chainer, Putnam Valley; Milnes P. David, Fishkill; Madhusudan K. Iyengar, Woodstock; Pritish R. Parida, Fishkill; and Robert E. Simons, Poughkeepsie. Assigned to International Business Machines Corp., Armonk. Data services using location patterns and intelligent caching. Patent no. 9,749,804 issued to Brad L. Brech, Rochester, Minn. Assigned to International Business Machines Corp., Armonk. Pump-enhanced, immersion cooling of electronic component(s). Patent no. 9,750,159 issued to Levi A. Campbell, Poughkeepsie; Richard C. Chu, Hopewell Junction; Milnes P. David, Fishkill; Michael J. Ellsworth Jr., Poughkeepsie; Madhusudan K. Iyengar, Foster City, Calif.; Roger R. Schmidt, Poughkeepsie; and Robert E. Simons, Poughkeepsie. Assigned to International Business Machines Corp., Armonk. Server bezel. Patent no. D795,877 issued to David Barron, Ann Arbor, Mich.; Ray C. Laning, Kasson, Minn.; Scott R. LaPree, Rochester, Minn.; Christopher W. Mann, Lakeway, Texas; Stephen P. Mroz, Rochester, Minn.; and Matthew T. Richardson, Austin, Texas. Assigned to International Business Machines Corp., Armonk.

Systems and methods for consensus protocol selection based on delay analysis. Patent no. 9,749,427 issued to Shicong Meng, Fremont, Calif.; Xiaoqiao Meng, Millwood; Jian Tan, Santa Clara, Calif.; Xiao Yu, Atlanta, Ga.; and Li Zhang, Yorktown Heights. Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY BUILDING LOANS Above $1 million Beacon Main St Theater LLC, as owner. Lender: Greater Hudson Bank. Property: in Beacon. Amount: $1.9 million. Filed Aug. 23.

Smith, Lester C. Jr., et al, Prince Frederick, Md, as owner. Lender: Ulster Savings Bank, Kingston. Property: 81 Mulford Road, Greenville 10940. Amount: $540,000. Filed Aug. 15. Sozio, Joseph F., et al, Marlboro, as owner. Lender: Sawyer Savings Bank, Saugerties. Property: Milton Turnpike, Milton 12547. Amount: $225,000. Filed Aug. 22.

DEEDS Above $1 million Chevre Kadishe Anash Inc., Brooklyn. Seller: Isaac Wolhendler, et al, Brooklyn. Property: 48 Raywood Drive, Monroe. Amount: $1 million. Filed Aug. 25. Hugo 215 LLC, Wilmington, Del. Seller: NP Golf LLC, New Paltz. Property: in New Paltz. Amount: $2.6 million. Filed Aug. 22.

Below $1 million Acevedo, Nancy, Plattekill, as owner. Lender: Rondout Savings Bank, Kingston. Property: 12 Rivera Trail, Plattekill 12568. Amount: $125,000. Filed Aug. 23. Angioletti, Ryan J., et al, as owner. Lender: Rhinebeck Bank. Property: in East Fishkill. Amount: $284,330. Filed Aug. 25. Axtmann, Daniel P., et al, as owner. Lender: TEG Federal Credit Union. Property: in Union Vale. Amount: $432,000. Filed Aug. 25. Dow, Eli, as owner. Lender: TD Bank N.A. Property: in Pleasant Valley. Amount: $800,000. Filed Aug. 22. Leiter, Kylene, et al, Shokan, as owner. Lender: Rondout Savings Bank, Kingston. Property: 43 Old Farm Road, Shokan 12481. Amount $248,000. Filed Aug. 21. Pomme Frites Corp., as owner. Lender: NYBDC Local Development Corp. Property: in Fishkill. Amount: $292,500. Filed Aug. 21. Pomme Frites Corp., et al, as owner. Lender: Rhinebeck Bank. Property: in Fishkill. Amount: $367,500. Filed Aug. 21. Sheafe Woods Realty LLC, as owner. Lender: PCSB Bank. Property: in LaGrange. Amount: $287,500. Filed Aug. 22.

Below $1 million 134 South Street LLC, Long Island City. Seller: Historic Newburgh Estates LLC, Newburgh. Property: 134 South St., Newburgh 12550. Amount: $65,000. Filed Aug. 22. 136 South Street LLC, Long Island City. Seller: Historic Newburgh Estates LLC, Newburgh. Property: 136 South St., Newburgh 12550. Amount: $55,000. Filed Aug. 22. 138 South Street LLC, Long Island City. Seller: Historic Newburgh Estates LLC, Newburgh. Property: 138 South St., Newburgh 12550. Amount: $40,000. Filed Aug. 22. 142 South Street LLC, Long Island City. Seller: Historic Newburgh Estates LLC, Newburgh. Property: 142 South St., Newburgh 12550. Amount: $65,000. Filed Aug. 22. 146-172 Mill Street LLC, Newburgh. Seller: City of Newburgh. Property: 210 Mill St., Newburgh. Amount: $230,000. Filed Aug. 18. 226 Main Street Beacon LLC, Beacon. Seller: Mary Sorci, Fishkill. Property: 226 Main St., Beacon 12524. Amount: $404,000. Filed Aug. 18. 28 Hasbrouck Realty Partners LLC, Yonkers. Seller: City of Newburgh. Property: 28 Hasbrouck St., Newburgh. Amount: $2,000. Filed Aug. 21.

BEYOND THE BOTTOM LINE

Conscientious, Proficient, Accomplished

An awards program recognizing outstanding CPAs in Fairfield County, Westchester County and the Hudson Valley.

CALL FOR NOMINATIONS Members of the Fairfield County, Westchester County and Hudson Valley business and accounting communities are encouraged to nominate, pursuant to the criteria, one or more candidates for the following award categories: SUBMIT NOMINATIONS: WESTFAIRONLINE.COM/EVENTS DEADLINE: SEPTEMBER 29

AHEAD OF THE CURVE – A CPA who stays ahead of his or her respective discipline as it relates to new legislation and trends thereby providing exceptional customer service. MOST GENEROUS – A CPA who provides an exemplary level of service and attention to the nonprofit and government sectors and gives back to the community through volunteer work and sharing his or her expertise. TOP ACCOUNTANT UNDER 40 – A promising young CPA who shows a high level of technical expertise and customer service as well as an ability to develop new business.

SAVE THE DATE

AWARDS CELEBRATION NOVEMBER 7 For more information or sponsorship inquiries, contact Rebecca Freeman at 914-358-0757 or rfreeman@westfairinc.com

MOST TRUSTED ADVISOR – A CPA who is customer-focused and gives sound advice to his or her clients, helping them make a positive impact in their business.

BRONZE SPONSORS

INDEPENDENT CPA – A CPA, not associated with a CPA firm, performing accounting responsibilities full time in business, corporate or professional

organizations.

This awards program is co-sponsored by the Westchester and Fairfield County Business Journals, divisions of Westfair Communications Inc.

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SEPTEMBER 4, 2017

FACTS

31 Main St Realty LLC, Slate Hill. Seller: Donna Geba, Glen Spey. Property: 31 Main St., Sparrowbush 12780. Amount: $110,000. Filed Aug. 25.

5 Bush Realty Partners LLC, Yonkers. Seller: City of Newburgh. Property: 5 Bush Ave., Newburgh. Amount: $110,000. Filed Aug. 21.

Aero Star Petroleum Inc., Rosendale. Seller: VEO Express Lanes Inc., Monticello. Property: in Crawford. Amount: $600,000. Filed Aug. 17.

42 Hasbrouck Realty Partners LLC, Yonkers. Seller: City of Newburgh. Property: 42 Hasbrouck St., Newburgh. Amount: $2,000. Filed Aug. 21.

53 Hasbrouck Realty Partners LLC, Yonkers. Seller: City of Newburgh. Property: 53 Hasbrouck St., Newburgh. Amount: $2,000. Filed Aug. 21.

Alsling Realty LLC, Nanuet. Seller: Federal Home Loan Mortgage Corp. Property: 135 Stowe Drive, Poughquag 12570. Amount: $257,000. Filed Aug. 22.

44 Main Street LLC, Monroe. Seller: Gerald N. Jacobowitz. Property: 44 N. Main St., Harriman 10926. Amount: $220,000. Filed Aug. 15.

7even Holding LLC, Fishkill. Seller: Ikram Mrani, Poughkeepsie. Property: 67 Lander St., Newburgh. Amount: $70,000. Filed Aug. 24.

Amsterdam Metalworks LLC, Montgomery. Seller: New York State Commissioner of General Services. Property: in Montgomery. Amount: $149,000. Filed Aug. 23.

FIGURES Amsterdam Two Stables LLC, Amsterdam. Seller: Cranesville Block Company Inc., Amsterdam. Property: in Poughkeepsie. Amount: $376,000. Filed Aug. 22.

Astor Properties International LLC, Forest Hills. Seller: PROF-2013-S3 Legal Title Trust, Chicago, Ill. Property: 32 Liberty St., Newburgh 12550. Amount: $70,000. Filed Aug. 25.

Bayview Loan Servicing LLC, Coral Gables, Fla. Seller: Mary Zugibe Raleigh, Warwick. Property: 51 N. Clinton St., Poughkeepsie 12601. Amount: $289,500. Filed Aug. 18.

Arjay Enterprises LLC, Saugerties. Seller: Residential Mortgage Loan Trust I, St. Paul, Minn. Property: 102 W. Bridge St., Saugerties 12477. Amount: $62,500. Filed Aug. 22.

Bakerstown Estates Realty LLC, Monroe. Seller: Mary Anne Surrette, Highland Mills. Property: in Woodbury. Amount: $225,100. Filed Aug. 24.

Berries and Roses LLC, Monroe. Seller: David D. Case, Highland Mills. Property: 202/200 Roselawn Road, Highland Mills 10930. Amount: $375,000. Filed Aug. 25.

Ascent11 LLC, Port Jervis. Seller: Thomas Mydosh, et al, Otisville. Property: in Mount Hope. Amount: $130,000. Filed Aug. 16.

Barger Properties LLC, Newburgh. Seller: U.S. Bank N.A. Property: 371 N. Elting Corners Road, Highland 12528. Amount: $150,100. Filed Aug. 21.

Castle 2016 LLC, White Plains. Seller: Resi REO Sub LLC, Christiansted, Virgin Islands. Property: 64 Sussex St., Port Jervis 12771. Amount: $24,100. Filed Aug. 22. Castlerock 2017 LLC, White Plains. Seller: Wells Fargo Bank N.A. Property: 5 Mount William St., Port Jervis 12771. Amount: $17,100. Filed Aug. 18. CDXLVIII Broadway LLC, Kingston. Seller: AC Pizza Group LLC, Ocala, Fla. Property: in Kingston. Amount: $265,000. Filed Aug. 18. CEA Property Inc., Newburgh. Seller: Federal Home Loan Mortgage Corp. Property: 42 Faye Ave., New Windsor 12553. Amount: $112,000. Filed Aug. 25. CJM Enterprises, Montgomery. Seller: Wilmington Savings Fund Society FSB. Property: 25 Nob Circle, Newburgh 12550. Amount: $152,900. Filed Aug. 24. County of Orange, Goshen. Seller: John Petriello, et al, Tuxedo. Property: in Tuxedo. Amount: $22,625. Filed Aug. 18.

JOIN US IN REMEMBRANCE FROM SEPT. 9TH - 11TH

Cranesville Block Company Inc., Amsterdam. Seller: GettyMart Inc., Jericho. Property: in Poughkeepsie. Amount: $376,000. Filed Aug. 22. Dallas Manor LLC, Brooklyn. Seller: Erin Barnes, et al, Monroe. Property: 21 Dallas Drive, Monroe. Amount: $354,000. Filed Aug. 22. Dame One LLC, Englewood, N.J. Seller: Boulder Ventures LLC, Brooklyn. Property: 12 Meron Drive, Unit S001, Monroe 10950. Amount: $280,000. Filed Aug. 16. Deep Water Properties LLC, New City. Seller: Vicki Salamouras, Middletown. Property: in Middletown. Amount: $65,000. Filed Aug. 24.

VOLUNTEERNEWYORK.ORG/SERVICE

Deutsche Bank National Trust Co. Seller: Martin R. Goldberg, Middletown. Property: 14 Avenue C, Middletown 10940. Amount: $306,644. Filed Aug. 17. Double R Capital Inc., Poughkeepsie. Seller: Patrick Gartland, Poughkeepsie. Property: 10 Cathy Road, Poughkeepsie 12603. Amount: $111,000. Filed Aug. 22. Duzine Properties LLC, Larchmont. Seller: Michelle Fumagalli, et al, Larchmont. Property: in New Paltz. Amount: $107,500. Filed Aug. 22.

SEPTEMBER 4, 2017

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SEPTEMBER 4, 2017

FACTS

Dynamic Progressive LLC, Gainesville, Fla. Seller: Bayview Loan Servicing LLC, Coral Gables, Fla. Property: 13 Bradner Ave., Middletown 10940. Amount: $106,837. Filed Aug. 21.

Federal National Mortgage Association. Seller: Ned Kopald, Highland Falls. Property: 7 Renfrewshire Drive, Middletown 10941. Amount: $226,612. Filed Aug. 17.

Jie Qian LLC, Danbury, Conn. Seller: FCI Development LLC, Peekskill. Property: 20 Talmadge St., Poughkeepsie. Amount: $134,000. Filed Aug. 18.

Dynamic Progressive LLC, Gainesville, Fla. Seller: Fannie Mae. Property: 28 Genung St., Middletown 10940. Amount: $43,050. Filed Aug. 16.

Federal National Mortgage Association. Seller: Peter Neuman, Cornwall-on-Hudson. Property: 7 Linden Trail, Monroe 10950. Amount: $309,482. Filed Aug. 15.

JPMorgan Chase Bank N.A. Seller: Judith L. Lubinsky, Goshen. Property: 35 Oak Hill Road, Middletown 10941. Amount: $314,053. Filed Aug. 24.

Dynamic Progressive LLC, Gainesville, Fla. Seller: Secretary of Housing and Urban Development, Washington, D.C. Property: 48 Oakland Valley Road, Cuddebackville 12729. Amount: $37,500. Filed Aug. 25. Elchan Group Inc., Monroe. Seller: Carrington Mortgage Services LLC, Anaheim, Ca. Property: 373 Violet Ave., Poughkeepsie 12601. Amount: $68,000. Filed Aug. 22.

Federal National Mortgage Association. Seller: Vern Lazaroff, Port Jervis. Property: 1819 Whispering Hills, Chester 10918. Amount: $360,300. Filed Aug. 25. G and G Orange Homes LLC, Middletown. Seller: Kathleen A. Mills, Yonkers. Property: in New Windsor. Amount: $160,000. Filed Aug. 21.

Elevensix Samsonville LLC, Kerhonkson. Seller: Troy Rex Dunn, et al, Kerhonkson. Property in Rochester. Amount: $222,418. Filed Aug. 18.

Gemmati Properties LLC, Poughkeepsie. Seller: James J. McGowan, Poughkeepsie. Property: 1 Rapalje Road, Fishkill 12524. Amount: $55,500. Filed Aug. 18.

Everything That Is Consulting Inc., Middletown. Seller: Rocco Mansueto, et al, Middletown. Property: in Mount Hope. Amount: $57,000. Filed Aug. 21.

Gemmati Properties LLC, Poughkeepsie. Seller: Kevin Wright, Mahopac. Property: 23 Pine Echo Drive, Poughkeepsie 12601. Amount: $104,000. Filed Aug. 18.

Federal Home Loan Mortgage Corp. Seller: David Gubits, Walden. Property: 410 Sands Road, Middletown 10941. Amount: $94,814. Filed Aug. 16.

Glenbrook LLC, Newburgh. Seller: The Bank of New York Mellon. Property: 60 Balmville Road, Newburgh 12550. Amount: $402,500. Filed Aug. 21.

Federal Home Loan Mortgage Corp. Seller: George Donnelly, et al, New Windsor. Property: 1118 Route 209 and 2 Hemlock Lane, Cuddebackville 12729. Amount: $49,791. Filed Aug. 18.

High Garden Holdings LLC, Tarrytown. Seller: Carl S. Chu, Fishkill. Property: 719 Route 292, Holmes 12531. Amount: $166,500. Filed Aug. 23.

Federal Home Loan Mortgage Corp. Seller: Paul Brite, Newburgh. Property: 23 Maple Drive, Crawford 12721. Amount: $204,285. Filed Aug. 24. Federal National Mortgage Association. Seller: Bruce Townsend, Walden. Property: 22 Second St., Port Jervis 12771. Amount: $182,663. Filed Aug. 17. Federal National Mortgage Association. Seller: Eva C. Abel, Walden. Property: 21 Brook Road, Walden 12586. Amount: $263,287. Filed Aug. 18. Federal National Mortgage Association. Seller: Heather Irber. Property: 2 McDole Road, Ellenville 12428. Amount: $101,826. Filed Aug. 23. Federal National Mortgage Association. Seller: John Skivington, et al, Monroe. Property: 1 Warden Circle, Newburgh 12550. Amount: $283,967. Filed Aug. 18. Federal National Mortgage Association. Seller: Lisa Felicissimo, Monroe. Property: 7 Revere Road, Monroe 10950. Amount: $245,215. Filed Aug. 16.

SEPTEMBER 4, 2017

High Meadows Walden LLC, Monsey. Seller: Martin Goldberg, Middletown. Property: 182 High Meadows Road, Walden 12586. Amount: $110,000. Filed Aug. 23. Highland Operating Ltd., Washingtonville. Seller: William E. Walter, Campbell Hall. Property: 115 Toleman Road, New Windsor 10992. Amount: $90,000. Filed Aug. 18. HSBC Bank USA N.A. Seller: Charles Obremski, Cornwall-on-Hudson. Property: 70 Eisenhower Drive, Middletown 10940. Amount: $477,788. Filed Aug. 25. HSBC Bank USA N.A. Seller: Karen Terwilliger, Newburgh. Property: in Wallkill. Amount: $8,250. Filed Aug. 18. HSBC Bank USA N.A. Seller: Wilfredo Rivera, et al, Newburgh. Property: 206 Fullerton Ave., Newburgh 12550. Amount: $260,468. Filed Aug. 23. Hudson Todd LLC, Beacon. Seller: George E. Schuler, et al, Beacon. Property: 21 W. Main St., Beacon. Amount: $250,000. Filed Aug. 18. Invoss LLC, Middletown. Seller: Michael Santianna, et al, Middletown. Property: in Goshen. Amount: $12,000. Filed Aug. 18.

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Juliano Ventures Inc., Shokan. Seller: Leila Mitchell, et al, Schenectady. Property: in Saugerties. Amount: $80,000. Filed Aug. 24. JWC Jewls LLC, Bronx. Seller: City of Newburgh. Property: 104 Renwick St., Newburgh. Amount: $4,720. Filed Aug. 23. Lanwin Olympia Cornwall LLC, Cornwall-on-Hudson. Seller: Carl B. Sciple, et al, Harvard, Mass. Property: in Cornwall-on-Hudson. Amount: $100,000. Filed Aug. 16. LMG First Realty LLC, Monroe. Seller: Glen A. Plotsky, Port Jervis. Property: 78 Prospect St., Newburgh 12550. Amount: $30,700. Filed Aug. 21. LP Builders Associates LLC, Walden. Seller: Lisa Miller, Walden. Property: 14 Walker St., Walden 12586. Amount: $58,000. Filed Aug. 16. M&T Bank, Buffalo. Seller: Robert W. Fink, Goshen. Property: 11 Third St., Godeffroy 12729. Amount: $99,300. Filed Aug. 23. M&T Bank, Buffalo. Seller: Troy Jackson, et al, Middletown. Property: 14 Riverdale Road, Middletown 10940. Amount: $175,000. Filed Aug. 22. M&T Bank, Getzville. Seller: Karen Durkin, et al, Esopus. Property: 31 Church Hill Road, Esopus 12429. Amount: $666,020. Filed Aug. 23. MAS At Home LLC, Brooklyn. Seller: Dinu Papoiu, et al, Kingston. Property: in Kingston. Amount: $300,000. Filed Aug. 23. Menendez Inc., Floral Park. Seller: The Bank of New York Mellon. Property: 1 Norton St., Newburgh 12550. Amount: $46,900. Filed Aug. 16. Millbrook Golf and Tennis Club Inc., Millbrook. Seller: Jed Karsten Diamond, et al, Millbrook. Property: 67 Route 343, Millbrook. Amount: $355,000. Filed Aug. 24. Mortgage Equity Conversion Asset Trust 2011-1. Seller: Martin R. Goldberg, Middletown. Property: 1901 Route 302, Circleville 10919. Amount: $298,243. Filed Aug. 18. MTGLQ Investors LP. Seller: Carl S. Chu, Fishkill. Property: 17 Village Park Drive, unit 2A, Fishkill 12524. Amount: $249,500. Filed Aug. 18. MTGLQ Investors LP. Seller: Michael E. Catania, Newburgh. Property: 10 Oak St., Chester 10918. Amount: $384,215. Filed Aug. 15.

FIGURES MTGLQ Investors LP. Seller: Tyrone Brown, Yonkers. Property: 39 Concetta Court, Monroe 10950. Amount: $397,203. Filed Aug. 24.

PMP 8 Hamilton LLC, Rhinebeck. Seller: Carol H. Vail, Red Hook. Property: in Red Hook. Amount: $130,000. Filed Aug. 18.

SV2 LLC, New York City. Seller: Sergio Torres, Wallkill. Property: in New Windsor. Amount: $52,000. Filed Aug. 15.

Nationstar Mortgage LLC. Seller: Agnes Barber, Newburgh. Property: 25 School St., Otisville 10963. Amount: $95,000. Filed Aug. 16.

Property Saints Inc., Middletown. Seller: Deutsche Bank National Trust Co. Property: 15 Canterbury Drive, Middletown 10940. Amount: $138,000. Filed Aug. 17.

SV2 LLC, New York City. Seller: Suzanne P. Ostrander, Newburgh. Property: in New Windsor. Amount: $51,000. Filed Aug. 15.

Nationstar Mortgage LLC. Seller: John Fallon, Walden. Property: 6 Kasch Court, Monroe 10950. Amount: $610,699. Filed Aug. 23. NBNY 227 LLC, Newburgh. Seller: JILA1 LLC, Oakland, N.J. Property: in Newburgh. Amount: $370,000. Filed Aug. 24. New Windsor Landscape LLC, Goshen. Seller: The Bank of New York Mellon. Property: 65 Capron St., Walden 12586. Amount: $46,900. Filed Aug. 15. New York-New Jersey Trail Conference Inc., Mahwah, N.J. Seller: OMAC Realty Associates LLC, Lakewood, N.J. Property: 162 Trout Brook Road, Chester 10918. Amount: $175,000. Filed Aug. 24. Newboro Carson LLC, Wurtsboro. Seller: Thomas A. Mueller, et al, Newburgh. Property: 2 Carson Ave., Newburgh. Amount: $165,000. Filed Aug. 16. NJCC-NYS Community Restoration Fund LLC, Chicago, Ill. Seller: John Cappello, Walden. Property: 22 Squirrel Hill Road, Highland Mills 10930. Amount: $292,496. Filed Aug. 22. Nowak 5 LLC, Middletown. Seller: First Falcon Realty Inc., Middletown. Property: in Middletown. Amount: $350,000. Filed Aug. 22. NRZ REO V-2 Corp. Seller: Michael D. Kranis, Poughkeepsie. Property: 207 Second Road, Wappingers Falls 12590. Amount: $250,500. Filed Aug. 24. NYC REO LLC, Whitestone. Seller: David A. Meeker, Montgomery. Property: 65 Ridge Road, Montgomery. Amount: $3,500. Filed Aug. 15. NYC REO LLC, Whitestone. Seller: Nancy DeLuca, Greenwood Lake. Property: 188 Brook Trail, Greenwood Lake. Amount: $2,000. Filed Aug. 24. Paramount Graphix Factory LLC, Port Jervis. Seller: City of Port Jervis. Property: in Port Jervis. Amount: $150,000. Filed Aug. 22. Particles Elementary LLC, Rhinebeck. Seller: Union Free School District No. 6, Amenia. Property: 5833 Elm Ave., Millerton 12546. Amount: $275,000. Filed Aug. 18. Patron Realty Inc., Middletown. Seller: WFT Properties Inc., Ocean Isle Beach, N.C. Property: in Deerpark. Amount: $450,000. Filed Aug. 23.

Prospect Estates LLC, Milton. Seller: Vernon Bevan, et al, New Paltz. Property: in New Paltz. Amount: $330,000. Filed Aug. 24. Raywood Realty LLC, Monroe. Seller: Paksh Holdings LLC, Monroe. Property: in Kiryas Joel. Amount: $275,000. Filed Aug. 18. Raywood Realty LLC, Monroe. Seller: Rifky L. Sofer, Monroe. Property: in Kiryas Joel. Amount: $275,000. Filed Aug. 18. Sakejo Properties LLC, New Windsor. Seller: Wells Fargo Bank N.A. Property: 26 Victoria Drive, Newburgh 12550. Amount: $72,000. Filed Aug. 17. Secretary of Veterans Affairs, Nashville, Tenn. Seller: Frank D. Lombardi, Mahopac. Property: 16 Grand St., Port Jervis 12771. Amount: $147,112. Filed Aug. 23. Secretary of Veterans Affairs. Seller: Alan L. Joseph, Goshen. Property: 35 S. Plank Road, Newburgh 12550. Amount: $134,096. Filed Aug. 16. Shimber LLC, Brooklyn. Seller: Nathan Margulies, Monroe. Property: 21 Israel Zupnick Drive, Unit 201, Monroe 10950. Amount: $55,000. Filed Aug. 23. Simche LLC, Monsey. Seller: Property Invest LLC, Monroe. Property: 2203 Barclay Manor, Newburgh 12550. Amount: $90,000. Filed Aug. 16. Sing W Holdings LLC, New Paltz. Seller: North Mountain Holdings LLC, Kingston. Property: in Kingston. Amount: $123,998. Filed Aug. 21. Sleektech Properties LLC, Brooklyn. Seller: Walden Main LLC, New York City. Property: 58 Main St., Walden 12586. Amount: $152,500. Filed Aug. 16. SPB Investments LLC, Newark, N.J. Seller: Wells Fargo Bank N.A. Property: 20 Parker Ave., Poughkeepsie 12601. Amount: $88,000. Filed Aug. 18. Spring St Group LLC, Monroe. Seller: James R. McCarl, Montgomery. Property: 142 Linden Ave., Middletown 10940. Amount: $27,100. Filed Aug. 22. SRS Property Group LLC, Kingston. Seller: Lucas Meadows LC, Wallingford, Conn. Property: in Ulster. Amount: $799,250. Filed Aug. 22.

SVG No. 1 Family LP, Nanuet. Seller: Mary Jane Holbert, et al, Walden. Property: Vacant Land, Bruyn Turnpike, Wallkill. Amount: $325,000. Filed Aug. 24. The Bank of New York Mellon Trust Company N.A. Seller: Joseph Rushano, et al, Fishkill. Property: 25 E. Bank Road, Poughkeepsie 12603. Amount: $542,000. Filed Aug. 23. The Bank of New York Mellon. Seller: Andrea Pawliczek, Montgomery. Property: 13 Walker Road, Port Jervis 12771. Amount: $140,785. Filed Aug. 15. The Bank of New York Mellon. Seller: Kara J. Cavallo, Walden. Property: 36 Richman Ave., Newburgh. Amount: $125,000. Filed Aug. 21. The Bank of New York Mellon. Seller: Mary E. Zugibe-Raleigh, Warwick. Property: 51 Red Hawk Hollow Road, Wappingers Falls 12590. Amount: $557,500. Filed Aug. 22. The Bank of New York Mellon. Seller: Michael H. Forrester, New Windsor. Property: 4 Elizabeth St., Port Jervis 12771. Amount: $252,676. Filed Aug. 23. The Bank of New York Mellon. Seller: Michael J. Oâ&#x20AC;&#x2122;Connor, Poughkeepsie. Property: 18 Woodland Circle, Hyde Park 12538. Amount: $449,000. Filed Aug. 18. The City of Port Jervis, Port Jervis. Seller: River Country Town Square LLC, Port Jervis. Property: South Maple Avenue, Port Jervis. Amount: $2,500. Filed Aug. 24. The City of Port Jervis, Port Jervis. Seller: Terry Tarbell, Port Jervis. Property: 258-260, 262, and 264 E. Main St., Port Jervis. Amount: $9,250. Filed Aug. 24. The Mazarine Group LLC, Saugerties. Seller: Tango Holdings LLC, Ellenville. Property: 27 Montgomery St., Saugerties. Amount: $155,000. Filed Aug. 21. U.S. Bank N.A. Seller: James R. McCarl, Montgomery. Property: 54 Park Drive, Warwick 10990. Amount: $476,801. Filed Aug. 25. U.S. Bank Trust N.A. Seller: Allan Ahearne, Warwick. Property: 15 Painted Apron Terrace, Port Jervis 12771. Amount: $210,857. Filed Aug. 25.

FACTS U.S. Bank Trust N.A. Seller: Anthony R. LoBiondo, Newburgh. Property: 101 Holmes Road, Newburgh 12550. Amount: $290,000. Filed Aug. 21. U.S. Bank Trust N.A. Seller: John D. Montagnino, et al, Monroe. Property: 34 Noel Drive, Newburgh 12550. Amount: $357,724. Filed Aug. 18. U.S. Bank Trust N.A. Seller: Sarah Ramos, Goshen. Property: 22 Vetri Road, Goshen 10924. Amount: $329,463. Filed Aug. 25. Wells Fargo Bank N.A. Seller: Christopher Cafarelli, et al, Middletown. Property: 35 Hudson View Terrace, Newburgh 12550. Amount: $127,126. Filed Aug. 21. Wells Fargo Bank N.A. Seller: Raymond Juliano, et al, Chester. Property: 9 Stargate Lane, Chester 10918. Amount: $36,450. Filed Aug. 18. Wenzy Inc., Monroe. Seller: Karen Page, et al, Poughkeepsie. Property: 70B Overocker Road, Poughkeepsie 12603. Amount: $20,000. Filed Aug. 24. Wenzy Inc., Monroe. Seller: Karen Page, et al, Poughkeepsie. Property: 70D Overocker Road, Poughkeepsie 12603. Amount: $20,000. Filed Aug. 24. Wenzy Inc., Monroe. Seller: Overocker Road Realty LLC, Poughkeepsie. Property: 70C Overocker Road, Poughkeepsie 12603. Amount: $555,000. Filed Aug. 24. Wilmington Savings Fund Society FSB. Seller: Jeffrey Albanese, Goshen. Property: 106 N. Beacon St., Middletown 10940. Amount: $375,359. Filed Aug. 22. Wilmington Savings Fund Society FSB. Seller: Lars Lilland, et al, Kingston. Property: 34 Indian Spring Lane, Kingston 12401. Amount: $160,278. Filed Aug. 18. Wilmington Savings Fund Society FSB. Seller: Stewart Parks Glenn, Newburgh. Property: 40 Euclid Ave., Middletown. Amount: $165,000. Filed Aug. 15. Wilmington Savings Fund Society FSB. Seller: William A. Ranke, Jr., et al, New Windsor. Property: 19 School House Lane, Newburgh 12550. Amount: $184,648. Filed Aug. 21. Woodbury Complex D LLC, Brooklyn. Seller: Menna Building Corp., Chester. Property: in Woodbury. Amount: $150,000. Filed Aug. 18. YMB Holdings LLC, Suffern. Seller: Jennifer Zahradnik, Washington, D.C. Property: in Hyde Park. Amount: $110,000. Filed Aug. 24.

Yufa Properties LLC, Monroe. Seller: Deborah L. Paone, et al, Bloomington, Minn. Property: 9 Owen Drive, Monroe. Amount: $105,000. Filed Aug. 25.

JUDGMENTS 8’As Contracting Inc., Wallkill. $1,929 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Aug. 22. Above All Auto Repair Inc., Highland. $1,046 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Aug. 23. Artistic Masonry Repairs Inc., New Paltz. $5,965 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Aug. 22. Bangkok Café New Paltz LLC, New Paltz. $423 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 21. Covenant Food Service and Catering Corp., Middletown. $2,806 in favor of Matthews Air Conditioning, Refrigeration and Heating Inc., Westtown. Filed Aug. 22. Da Vinci Merri Maids Inc., Wallkill. $149 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 21. Dan’s Auto Center Inc., Saugerties. $618 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 21. Dyno Nobel Inc., Ulster Park. $1,046 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Aug. 23. Eastern States Supply Company Inc., Kingston. $641 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 21. Grand Street Medical Associates, Kingston. $5,701 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Aug. 23. Horvath Consulting Inc., Saugerties. $1,046 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Aug. 23. Joseph Luma General Contracting Ltd., Kerhonkson. $4,866 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Aug. 22.

Kwik Stop Foods Inc., Goshen. $4,435 in favor of Milk Industry Management Corp. Filed Aug. 23. Lazy Bear Management Corp., Saugerties. $56,604 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Aug. 22. NBC Billing Services Inc., Wallkill. $480 in favor of the New York State Department of Taxation and Finance, Albany. Filed Aug. 21. Woodstock Landscaping and Excavating LLC, West Hurley. $22,968 in favor of the New York State Department of Labor Unemployment Insurance Division, Albany. Filed Aug. 22.

LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. Ackert, Brian Sharp, et al. Filed by CIT Bank N.A. Action: seeks to foreclose on a mortgage to secure $232,500 affecting property located at 44 Joys Lane, Kingston 12401. Filed Aug. 25. Angel, Frank, et al. Filed by Wilmington Trust N.A. Action: seeks to foreclose on a mortgage to secure $341,484 affecting property located at 36 Elizabeth St., Montgomery 12549. Filed July 6. Anzalone, Toni, as executrix of the estate of Lucy M. Buckman, et al. Filed by CIT Bank N.A. Action: seeks to foreclose on a mortgage to secure $349,500 affecting property located at 167 Hilltop Road, Saugerties 12477. Filed Aug. 23. Beals, Kenneth T., et al. Filed by CV XXVII LLC. Action: seeks to foreclose on a mortgage to secure $46,150 affecting property located at 45 Markle Road, Kerhonkson 12446. Filed Aug. 24. Bencomo, Hugo E., et al. Filed by MB Financial Bank N.A. Action: seeks to foreclose on a mortgage to secure $105,000 affecting property located at 118 W. Parmenter St., Newburgh 12550. Filed July 6. Benejan, Robert, et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $268,000 affecting property located at 449 Pocatello Road, Middletown 10940. Filed July 6. Bordanaro, Susan, et al. Filed by Wilmington Trust N.A. Action: seeks to foreclose on a mortgage to secure $412,500 affecting property located at 12 Kathy Court, Fishkill 12524. Filed Aug. 22.

FIGURES Boyle, Keri, et al. Filed by Ulster Savings Bank. Action: seeks to foreclose on a mortgage to secure $247,260 affecting property located at 42 Smith Ave., Kingston 12401. Filed Aug. 24. Bracken, James, et al. Filed by Fifth Third Mortgage Co. Action: seeks to foreclose on a mortgage to secure $253,116 affecting property located at 190 Grahamtown Road, Middletown 10940. Filed July 3. Conroy, Joseph E., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $250,000 affecting property located at 227 Beaver Dam Road, Montgomery 12549. Filed July 5. Decicco, Dean, as heir and distributee of the estate of Joseph J. DeCicco, et al. Filed by James B. Nutter and Co. Action: seeks to foreclose on a mortgage to secure $369,000 affecting property located at 241 Riseley St., Kingston 12401. Filed Aug. 25. Detlefsen, Christopher R., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $173,500 affecting property located at 12 Brewster St., Milton 12547. Filed Aug. 22. Difusco, Alfonso, et al. Filed by PROF-2013-M4 Legal Title Trust II. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 46 Baron Drive, Hopewell Junction 12533. Filed Aug. 21. Djonovic, Danny, et al. Filed by Branch Banking and Trust Co. Action: seeks to foreclose on a mortgage to secure $227,500 affecting property located at 13 Townsend Blvd., Pawling 12564. Filed Aug. 22. Edouard, Reuben Jr., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $292,000 affecting property located at 66 Pewter Circle, Chester 10918. Filed July 3. Effort, Kendall, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $271,000 affecting property located at 1924 New Hackensack Road, Poughkeepsie 12603. Filed Aug. 21. Garcia, Alvaro, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $270,900 affecting property located at 22 Heritage Crossing, Circleville 10919. Filed July 6. Grant, Michael, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $237,500 affecting property located at 26 Toc Road, Lloyd 12528. Filed Aug. 25.

Hasin, David V., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 23 Jill Road, Highland Mills 10930. Filed July 6.

O’Connell, Michelle L., et al. Filed by Caliber Home Loans Inc. Action: seeks to foreclose on a mortgage to secure $160,000 affecting property located at 20 Revere Road, Newburgh 12550. Filed July 5.

Johnson, Kenneth, et al. Filed by Maureen Robson. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 9 and 15 Greenhaven Road, Beekman. Filed Aug. 21.

Pathania, Deborah Bassett, as heir at law and next of kin of Flora E. Bassett, et al. Filed by Live Well Financial Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 24 Elizabeth St., Kingston 12401. Filed Aug. 23.

Joray, Everett, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $105,000 affecting property located at 5 McBride St., Napanoch 12458. Filed Aug. 21. Juarez, Rufino, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $240,000 affecting property located at 110 Tremper Ave., Kingston 12401. Filed Aug. 21. Lopez, Miguel A. Sr., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $54,000 affecting property located at 3 Second St., Port Jervis. Filed July 3. Mastin, Phyllis, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $134,351 affecting property located at 34 Streit Ave., Poughkeepsie 12603. Filed Aug. 23. Mazzamuto, Jamey, 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 17 Shuit Place, Central Valley 10917. Filed July 5. McEckeron, Bonnie, individually and as surviving spouse of Peter McEckron, et al. Filed by Santander Bank N.A. Action: seeks to foreclose on a mortgage to secure $135,000 affecting property located at 94 Foxwell Terrace, Dover 12594. Filed Aug. 18. Molinare, Mary E., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $267,480 affecting property located at 8 Valentino Drive, Highland 12528. Filed Aug. 25. Montesano, Michael, et al. Filed by Mortgage Electronic Registration Systems Inc. Action: seeks to foreclose on a mortgage to secure $296,500 affecting property located at 28 Depot Hill Road, Amenia 12501. Filed Aug. 21. Morey, Shirley A., et al. Filed by Fidelity Bank. Action: seeks to foreclose on a mortgage to secure $208,590 affecting property located at 42 N. Farm Drive, Dover Plains 12522. Filed Aug. 23.

Pousada, Joseph A., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $308,000 affecting property located at 62 Kent Road, Wappingers Falls 12590. Filed Aug. 18. Roloson, Kraig, et al. Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $166,920 affecting property located at 120 Route 209, Port Jervis 12771. Filed July 6. Ruiz, Jose A. Jr., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $103,330 affecting property located at 462 Rye Hill Road, Monroe 10950. Filed July 6. Seminara, Robert J., individually and as the executor of the estate of Roger Faynor, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $175,000 affecting property located at 281 Route 376, Hopewell Junction 12533. Filed Aug. 21. Smith, Jerry, et al. Filed by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $296,456 affecting property located at 57 Wedgewood Drive, Goshen 10924. Filed July 6. Spoto, Joseph V., et al. Filed by KeyBank N.A. Action: seeks to foreclose on a mortgage to secure $120,000 affecting property located at 9 John St., Napanoch 12458. Filed Aug. 21. Storms, Mark, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $76,000 affecting property located at 11 Avenue D, Godeffroy 12729. Filed July 5. Torres, Gilberto, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $280,000 affecting property located at 19 Stori Road, Newburgh 12550. Filed July 6. Walker, Narine, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $212,237 affecting property located at 29 Woodland Ave., Poughkeepsie 12603. Filed Aug. 18.

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SEPTEMBER 4, 2017

FACTS

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FIGURES Warburton, Jennifer, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $115,000 affecting property located at 8 Warren St., Ellenville 12428. Filed Aug. 24. Ward, Byron, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $166,000 affecting property located at 109 S. Grand Ave., Poughkeepsie 12603. Filed Aug. 21. Williams, Vicki, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 26 Park St., Ellenville 12428. Filed Aug. 18. Worth, Kevin P., et al. Filed by HSBC Mortgage Services Inc. Action: seeks to foreclose on a mortgage to secure $220,000 affecting property located at 15 Knapp Terrace, Goshen 10924. Filed July 5. Wutch, Stacey, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $174,775 affecting property located at 227 James St., New Windsor 12553. Filed July 5. Yoﬃe, Joel H., et al. Filed by Wilmington Trust N.A. Action: seeks to foreclose on a mortgage to secure $225,800 affecting property located at 26 Nob Circle, Newburgh 12550. Filed July 6.

MECHANIC’S LIENS 9W Car Wash and Barber Shop Inc., et al, as owner. $41,673 as claimed by Morton Buildings Inc., Morton, Ill. Property: 3101 9W, Saugerties. Filed Aug. 22. Chelsea Property Group Inc., as owner. $6,300 as claimed by Paul Nebrasky Plumbing, Heating, and Cooling Inc., Monroe. Property: 498 Red Apple Court, Central Valley 10917. Filed Aug. 28. HBR Homes LLC, Englewood, N.J., as owner. $17,486 as claimed by E. Tetz and Sons Inc., Middletown. Property: 2, 4, 6, and 8 Timberose Court, Middletown. Filed Aug. 21. Terra Maggius LLC, as owner. $2,550 as claimed by Dave’s Trucking and Excavating, Dover Plains. Property: 3506 Route 22, Amenia 12501. Filed Aug. 24.

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

Doing Business As BB Medical and Dermatolo�y Inc., d.b.a. Luna Dermatolo�y, 216 Route 32, New Paltz 12561. Filed Aug. 24. Caprezi Inc., d.b.a. Cottage Lane Productions, 15 Cottage Lane, Rosendale 12472. Filed Aug. 24. Creen Ventures Inc., d.b.a. Clarence Trucking, 1055 Josephs Blvd., Saugerties 12477. Filed Aug. 24. Cycle Chem Inc., d.b.a. ACV Enviro CC, 1106 River Road, New Windsor 12553. Filed Aug. 24. Era Nail Salon Inc., d.b.a. Diva Nail Spa, 2424 Route 32, Suite 102, New Windsor 12553. Filed Aug. 8. Kanwar Gas Inc., d.b.a. Country Convenience Food Store, 29 Main St., Pine Bush 12566. Filed Aug. 8. SP Industries Inc., d.b.a. SP Scientific, 3538 Main St., Stone Ridge 12484. Filed Aug. 24.

SEPTEMBER 4, 2017

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Hand and Heel Therapy, 190 S. Plank Road, Newburgh, c/o Jennifer R. Zoccoli. Filed Aug. 10. Hector and Son Cleaning Solutions, 206 Ulster Ave., Apt. 2, Saugerties 12477, c/o Hector A. Sierra. Filed Aug. 18. Hope Rocks, 27 Bruin Drive, Saugerties 12477, c/o Joseph George Defino Jr. Filed Aug. 25. Inspiring Minds Childcare, 20 Groff St., Kingston 12401, c/o Samantha Lyn Noldy. Filed Aug. 24. Kenneth Zink, 29 Vinegar Hill Road, Pine Bush 12566, c/o Kenneth Zink. Filed Aug. 22. Pagoda Wellness, 628 Hurley Ave., Hurley 12443, c/o Ashley C. Davidock. Filed Aug. 22. Peru Cuisine Bar and Grill, 1 N. Galleria Drive, Suite 75, Middletown, c/o Brendyn E. Rojas. Filed Aug. 8.

Sole Proprietorships

R-12 Improvements, 148 Cottage St., Middletown 10940, c/o Robert Peter Pantale. Filed Aug. 8.

Aim High Financial Coaching, 688 Hoagerburgh Road, Wallkill 12589, c/o Michael C. Antinucci. Filed Aug. 21.

Raif Remodeling and Restoration, 14 Ryerson Road, Warwick, c/o Matthew Raif. Filed Aug. 5.

Bennett Carpentry Plus, 1101 Samsonville Road, Kerhonkson 12446, c/o Paul H. Bennett. Filed Aug. 22.

Sarah Coppola, Babierge Independent Trust Partner, 156 Bayard St., Port Ewen 12466, c/o Sarah E. Coppola. Filed Aug. 22.

BGK Auto’s, 170 W. Parmenter, Newburgh, c/o Brandin George Knight. Filed Aug. 10. Bright Start, P.O. Box 183, Connelly 12417, c/o Tamara Eliezer. Filed Aug. 18. Brush Textiles, 20 Mount Rose Road, Marlboro 12542, c/o Jessica Margaret Brush. Filed Aug. 23. Carp’s Custom Creations, 110 Sheryl St., Hurley 12443, c/o Mark J. Carpino. Filed Aug. 18. Chin Lee Homestays, 110 Wall St., Kingston 12401, c/o Chin Julia Lee. Filed Aug. 22. Crown Cope Construction, 14 Ryerson Road, Warwick, c/o Matthew Raif. Filed Aug. 5. Cut Unisex Studio, 1 Spruce Drive, Highland Mills 10930, c/o June Marie Danielson. Filed Aug. 5. Easy Life Entertainment, 32 Grandview Place, Florida 10921, c/o Emmanuel Alexander Smalls. Filed Aug. 11.

Glam Trends, 106 Vails Gate Heights Drive, New Windsor 12553, c/o Nicole Wright. Filed Aug. 5.

Smok’d and Grill’d, 709 Harvest Way, Saugerties 12477, c/o Joseph M. Sanford. Filed Aug. 21. Sweet Life Catering Service, 33 Sproat St., Middletown 10940, c/o Thomas Donovan DeSouza. Filed Aug. 8. T.E.R. Enterprises, 60 Mill St., Middletown 10940, c/o Tyler Eric Randolph. Filed Aug. 9. T’s Auto Detailing, 635 Sawkill Road, Kingston 12401, c/o Troy C. Bennett. Filed Aug. 21. That Black Guy, P.O. Box 4101, New Windsor 12553, c/o Arlen Lee Edwards. Filed Aug. 11. Underwater Panther Coalition, 74 Circle Drive, Phoenicia 12464, c/o Matthew Michael O’Neill. Filed Aug. 18. Victoria Cymbal, 55 N. Front St., Kingston 12401, c/o Victoria Cymbal. Filed Aug. 18. West Point Movers, 19 Schneider Ave., Highland Falls 10928, c/o Acen Liyim. Filed Aug. 10.

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SEPTEMBER 4, 2017

LEGAL NOTICES Josh Provides Empowerment LLC Arts. of Org. filed w/ SSNY 7/17/17. Off. in West. Co. SSNY desig. as agt. of LLC whom process may be served. SSNY shall mail process to the LLC, 125 Lake St, Apt 10DN, White Plains, NY 10604. Purpose: any lawful activity. #61272 Busel LLC Arts. of Org. filed w/ SSNY 7/13/17. Off. in West. Co. SSNY desig. as agt. of LLC whom process may be served. SSNY shall mail process to the LLC, 39 Howard St, Sleepy Hollow, NY 10591. Purpose: any lawful activity. #61273 Lissy Carr Events LLC Arts. of Org. filed w/ SSNY 7/11/17. Off. in West. Co. SSNY desig. as agt. of LLC whom process may be served. SSNY shall mail process to the LLC, 151 Barton Rd, White Plains, NY 10605. Purpose: any lawful activity. #61274 Notice of Formation of QUALITY MUSIQ PRODUCTION L.L.C. Art. Of Org. filed with SSNYon 07/11/2017. 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, 738 SOUTH STREET P.O. BOX 2691 PEEKSKILL, NY 10566. Purpose: any lawful purpose. #61275 13 Woodside Ave LLC, Arts of Org. filed with Sec. of State of NY (SSNY) on 7/19/17. Cty: Westchester. SSNY desig as agent upon whom process against may be served & shall mail process 557 Sherman Ave., Thornwood, NY 10594. General Purpose. #61276 150 Lake Avenue Yonkers LLC, Arts of Org. filed with Sec. of State of NY (SSNY) on 6/28/17. Cty: Westchester. SSNY desig as agent upon whom process against may be served & shall mail process 100 S. Van Brunt St., Ste. 3, Englewood, NJ 07631. General Purpose #61277 3225 East Tremont Holding, LLC. Filed 3/3/15 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water Street Suite 204, White Plains, NY 10601 Purpose: all lawful #61278 El Rosso Realty LLC, Arts of Org. filed with Sec. of State of NY (SSNY) on 7/13/17. Cty: Westchester. SSNY desig as agent upon whom process against may be served & shall mail process 1075 Central Park Ave., Ste. 205, Scarsdale, NY 10583-3232. General Purpose. #61279 Notice of Formation of Petgadgets, LLC Art. Of Org. filed with SSNY on 6/12/17. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 11 Jefferson Rd, Scarsdale, NY 10583. Purpose: any lawful purpose. #61280 NOTICE OF FORMATION OF Gordon Ave Properties LLC. Articles of Organization filed with the Secretary of State of NY (SSNY) on 07/18/2017. Office location: WESTCHESTER County. SSNY has been designated as agent upon whom process against it may be served. The Post Office address to which the SSNY shall mail a copy of any process against the LLC served upon him/her is: P.O. Box 248 Briarcliff Manor NY 10510 The principal business address of the LLC is: 132 Gordon Ave Sleepy Hollow NY Purpose: any lawful act or activity. #61281 Notice of Formation of Treat Integrative Wellness, L.L.C. Art. Of Org. filed with SSNY on 7/7/17. 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, 204 Locust Avenue, Cortlandt Manor, NY 10567. Purpose: any lawful purpose. #61282

SEPTEMBER 4, 2017

Bill Orrico Enterprises LLC. Filed 7/25/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water Street Suite 204, White Plains, NY 10601 Purpose: all lawful #61284 2800 Bruckner Associates LLC. Filed 7/18/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water Street Suite 204, White Plains, NY 10601 Purpose: all lawful #61285 2800 Bruckner Holding LLC. Filed 7/18/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water Street Suite 204, White Plains, NY 10601 Purpose: all lawful #61286 Docs Group LLC. Filed 7/18/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water Street Suite 204, White Plains, NY 10601 Purpose: all lawful #61287 CMF Associates LLC. Filed 7/18/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water Street Suite 204, White Plains, NY 10601 Purpose: all lawful #61288 Notice of Formation of Climbing Wolf LLC Article of Organization filed with SSNY on 7/17/2017. Office location: Westchester County. SSNY designated as agent of LLC on whom process may be served. SSNY shall mail process to Climbing Wolf Craft Beer Bar 5 Anderson St. New Rochelle, NY 10805. Purpose: Any lawful business purpose. #61289 Notice of Formation of GREENTREE MAIN LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 6/22/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: C/O Donna Z. Vaccari, 47 Wyndham Close, White Plains, NY 10605-2100. Purpose: any lawful act or activity. #61290 Notice of Formation of GREENTREE WEYMAN LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 6/22/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: C/O Donna Z. Vaccari, 47 Wyndham Close, White Plains, NY 10605-2100. Purpose: any lawful act or activity. #61291 Notice of Formation of The Oak & Avery Group, LLC Art. Of Org. filed with SSNY on 2/16/17. 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 The Kasarda Law Group, LLC, 300 Martine Avenue Suite C2C. White Plains., NY 10601. Purpose: any lawful purpose #61292 Notice of Formation of Kinsio Realty LLC Art. Of Org. filed with SSNY on 7/19/17. 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, 180 S Broadway Suite 101A. White Plains., NY 10605. Purpose: any lawful purpose #61293 Notice of Formation of Ascencio, LLC Art. Of Org. filed with SSNY on 7/5/17. Offc. Loc: 25 Winthrop Ave, Yonkers, NY 10710. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 9900 Spectrum Drive, Austin,TX 78717. Purpose: any lawful purpose. #61294

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Notice of Formation of 36 UPPER HOOK ROAD LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 7/20/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Kenneth Nolan, CBIZ & Mayer Hoffman McCann CPAs, 5 Bryant Park at 1065 Avenue of the Americas, NY, NY 10018. Purpose: any lawful act or activity. #61295 Notice of Formation of 80 UPPER HOOK ROAD LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 7/20/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Kenneth Nolan, CBIZ & Mayer Hoffman McCann CPAs, 5 Bryant Park at 1065 Avenue of the Americas, NY, NY 10018. Purpose: any lawful act or activity. #61296 Notice of Formation of 44-48 UPPER HOOK ROAD LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 7/20/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Kenneth Nolan, CBIZ & Mayer Hoffman McCann CPAs, 5 Bryant Park at 1065 Avenue of the Americas, NY, NY 10018. Purpose: any lawful act or activity. #61297 Notice of Formation of 100-148 GIRDLE RIDGE ROAD LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 7/20/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Kenneth Nolan, CBIZ & Mayer Hoffman McCann CPAs, 5 Bryant Park at 1065 Avenue of the Americas, NY, NY 10018. Purpose: any lawful act or activity. #61298 Notice of Formation of 53-61 UPPER HOOK ROAD LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 7/20/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Kenneth Nolan, CBIZ & Mayer Hoffman McCann CPAs, 5 Bryant Park at 1065 Avenue of the Americas, NY, NY 10018. Purpose: any lawful act or activity. #61299 Notice of Formation of POUND RIDGE WEST LANE LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 7/20/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Kenneth Nolan, CBIZ & Mayer Hoffman McCann CPAs, 5 Bryant Park at 1065 Avenue of the Americas, NY, NY 10018. Purpose: any lawful act or activity. #61300 Notice of Formation of 68 UPPER HOOK ROAD LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 7/20/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: c/o Kenneth Nolan, CBIZ & Mayer Hoffman McCann CPAs, 5 Bryant Park at 1065 Avenue of the Americas, NY, NY 10018. Purpose: any lawful act or activity. #61301 Notice of Formation of 919 SECOND STREET LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 7/24/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 55 Smith Avenue, Mount Kisco, NY 10549. Purpose: any lawful act or activity. #61302

Notice of Formation of CSTAR International LLC. Arts. of Org. filed with SSNY on 7/31/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to CSTAR International LLC, 1 Shonnard Ter. Apt. 3F, Yonkers, NY 10701. Purpose: any lawful act or activity. #61303 Notice of Formation of Alpha Mama, LLC. Arts. of Org. filed with SSNY on 6/7/17. Location: Westchester County, registered address 90 Orchard Ridge Rd Chappaqua, NY 10514. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to: Carter, Ledyard & Millburn LLP, 2 Wall Street NY, NY 10005. Purpose: any lawful act or activity. #61306 Westchester Lifeguard, LLC. Art. of Org. filed with the SSNY on 07/31/2017. Office: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail copy of process to the LLC, 25 Winfield Ave, Harrison, NY 10528. Purpose: Any lawful purpose. #61308 ALLBLA LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 8/2/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 8 Don Ln., White Plains, NY 10607. General Purpose. Latest date to dissolve: 12/31/2099. #61309 CEALM LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 8/2/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 8 Don Ln., White Plains, NY 10607. General Purpose. Latest date to dissolve: 12/31/2099. #61310 Momange LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 7/24/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 10 Appleton Pl., Dobbs Ferry, NY 10522. General Purpose. #61311 Notice of Formation of REEX Properties, LLC. Arts. of Org. filed with SSNY on 8/3/2017. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to Felix Hernandez, 542 Van Cortlandt Park ave 1F Yonkers, NY 10705. Purpose: any lawful act or activity. #61312 Notice of Formation of Muth Capital, LLC Art. Of Org. filed with SSNY on 5/22/17. 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, 16 Iroquois Road Ossining, NY 10562. Purpose: any lawful purpose. #61315 Notice of Formation of Professional General Cleaning LLC. Arts. of Org. filed with SSNY on 05/09/2017. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to 47 Ann Street Apt.1 Ossining, NY 10562 Purpose: any lawful act or activity. #61316 The Cozy Cup, LLC. Art. Of Org. filed with SSNY 03/28/17. Office Location: Westchester Cty. SSNY designated as agent for process & shall mail to: US Corp Agents, 7014 13th Ave. #202 Brooklyn NY 11228 Purpose: all lawful. #61318 Aqua Terrace LLC. Art. of org. Filed with the SSNY on 06/07/17. Office: Westchester County. SSNY designated as agent of the LLC upon whom process against it may served. SSNY shall mail copy of process to the LLC, 44 Fleetwood Ave. #5F, Mount Vernon, NY 10552: Any Lawful purpose #61319

Anjolie Organics, L.L.C. Arts. of Org. filed NY Sec. of State 7/6/17.Princ. off. loc.: Westchester Cty. Sec. of State designated as agent of LLC upon whom process against it may be served. Sec. of State shall mail a copy of process to the LLC: 47 Todd Road, Katonah, NY 10536. Purpose: any lawful business activity. #61321 Notice of Formation of Hubbell Consulting Services, LLC. Art. Of Org. filed with the SSNY on 6/1/17. Office Loc: 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 any process against it served upon him/her to: c/o United States Corporation Agents, Inc., 7014 13th Ave., Suite 202, Brooklyn, NY 11228. Purpose: any lawful activity. #61323 Notice of formation of Deep Ocean Asset Management LLC Articles of organization filed with the Secretary of State of N.Y. (SSNY) on February 28, 2017. Office location: 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, 23 Hollow Ridge Rd, Mt Kisco, NY 10549. Purpose: Any lawful activity. #61324 Arts-NY.com LLC. Articles of Organization filed with the Secretary of State of NY (SSNY) on 07/20/2017. Office location: WESTCHESTER County. SSNY has been designated as agent upon whom process against it may be served. The Post Office address to which the SSNY shall mail a copy of any process against the LLC served upon him/her is: 30 Lexington Drive, Croton-on-Hudson, NY, 10520 Purpose: any lawful act or activity #61327 THE ANNUAL RETURN OF THE G. HAROLD & LEILA Y. MATHERS CHARITABLE FOUNDATION for the calendar year ended December 31, 2016 is available at its principal office located at 800 Westchester Avenue, Suite N-503, Rye Brook, NY 10573 for inspection during regular business hours by any citizen who requests it within 180 days hereof. Principal Manager of the Foundation is DONALD E. HANDELMAN. #61328 Notice of Formation of Philips & Flathead NY, LLC Art. Of Org. filed with SSNY on 6/29/17. 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, 101 Secor Ln, Pelham Manor, NY 10803 . Purpose: any lawful purpose. #61329 4 Wendover Associates LLC Filed 8/7/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water Street Suite 204, White Plains, NY 10601 Purpose: all lawful #61330 Next Era Transportation LLC, Art. of Org. filed with NY Secy. of State on 08/02/2017. Office located in Westchester Co. Secy. of State designated as agent upon which process may be served. Secy. of State shall mail a copy of any process against it served upon him/her to: 99 Young ave Yonkers , NY 10710. LLC may engage in any lawful act or activity for which a limited liability company may be formed. #61332 Notice of formation of Mesh Print Studio, LLC. Art of Org. Filed with SSNY on 08/16/2017. Office Loc. Westchester Cty. David G. Krinick designated as agent of the LLC upon whom process against it may be served. David G. Krinick shall mail copy of process to the LLC, 47 Potter Avenue New Rochelle, NY 10801. Purpose: Any lawful purpose #61333

Notice of Formation of OILIVINGLIFE, LLC Art. of Org. filed with SSNY ON 7/24/17. 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, 102 Richbell Rd C4, Mamaroneck, NY 10543, Attn: Patricia Cattarini. Purpose: any lawful purpose. #61335 Notice of Formation of Prime Franchise Consulting, LLC. Art. Of Org. filed with SSNY on 8/17/17. 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, 23 Jefferson Lane, Bedford NY 10506. Purpose: any lawful purpose. #61336 Binary Strategies LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 8/18/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 9 Walnut Pl., Briarcliff, NY 10510. General Purpose. #61337 Hair Wharf North, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 6/19/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to Madilynn Tiso, 211 Lakeshore Dr., Mahopac, NY 10541. General Purpose. #61338 Notice Of Formation of SLATE FAMILY CARE, LLC filed with SSNY on 6/30/2017. Offc. Loc: Westchester Cty. SSNY design. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 320 Clove Rd. New Rochelle, NY, 10804. Purpose: any lawful purpose #61339 2394 Lorillard, LLC. Arts of Org. filed with SSNY on May 2, 2016. Off Loc: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served and shall mail a copy of any process to 2394 Lorillard, LLC 540 Marietta Ave., Thornwood, NY 10594. Purpose: Any Lawful #61340 Notice of Formation of LIFE PHOTOGRAPHED, LLC, a domestic limited liability company. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 08/15/17. NY Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail a copy of process to the LLC at 17 Stone House Rd., Somers, NY 10589. Purpose: For any lawful purpose. #61341 Name of LLC: SAUVAGE ATELIER L.L.C. Arts. of Org. filed NY Sec. of State 08/10/17. Princ. off. loc.: Westchester Cty. Sec. of State designated as agent of LLC upon whom process against it may be served. Sec. of State shall mail a copy of process to the LLC, c/o SAUVAGE ATELIER LLC, 21308 Town Green Drive, Elmsford, NY 10523, Attn: Nastaran Afrand. Purpose: any lawful activity. #61342 Notice of Formation of Amato Peace, LLC. Art. of Org. filed with the SSNY on 08/22/17. Office: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail copy of process to the LLC, 7 Robbie Road Cortlandt Manor, NY 10567. Purpose: Any lawful purpose. #61343 Declercq Law Firm PLLC. Articles filed w/ SSNY 8/17/17. Office in Westchester Co. SSNY designated for service of process and shall mail to: 75 S. Broadway Ste 400, White Plains, NY 10601. Purpose: Law #61344

Notice is hereby given that an onpremise license, #1116298 has been applied for by Garcia Burrito Corp d/b/a The Burrito Poblano to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 85 Main Street Tuckahoe NY 10707. #61346 Notice is hereby given that an onpremise license, #TBA has been applied for by Up Social Group Inc. to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 623 South Broadway Yonkers NY 10705. #61347 Notice of formation of a domestic limited liability company. The Articles of Organization of TENSEVENTYTHREE, LLC were filed with the Sect'y of State of NY (SSNY) on 07/21/2017. Office location, Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. Principal address is and address to which SSNY shall mail process is The LLC, 12 Schoolhouse Road, Waccabuc, NY 10597 Purpose: any lawful act for which a limited liability company may be formed under the LLCL #61348 Notice of Formation of 17 CYPRESS LANE LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 4/26/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 17 Cypress Lane, Yorktown Heights, NY 10598. Purpose: any lawful act or activity. #61349 Notice of Formation of NATTY HILL Holdings LLC. Filed with SSNY on 8/18/2017. 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, 37 Oxford Rd New Rochelle, NY 10804. Purpose: any lawful purpose. #61350 StepWISEnow Balance Fitness, LLC. Art. Of Org. filed with SSNY 06/22/17. Office Location: Westchester Cty. SSNY designated as agent for process & shall mail to:325 S.Highland Ave, Ste.109, Briarcliff Manor NY 10510. Purpose: all lawful. #61351 7 Glover LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 8/21/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 37 Hickory Hill Rd., Eastchester, NY 10709. General Purpose. #61353 53 Drake Avenue LLC. Arts. of Org. filed with SSNY on 3/21/17. Off.: Westchester County. John DeVivo designated as agent of LLC upon whom process against it may be served, and shall mail copy of process to 711 Main Street, New Rochelle, NY 10801. Purpose: any lawful. #61352 NOTICE OF FORMATION OF NOSHINKU, LLC. Arts of Org filed with Secy of State of NY (SSNY) on 06/28/2017. Office loc: Westchester. SSNY designated as agent upon whom process may be served and shall mail process to the principal business address: 46 Usonia Rd., Pleasantville, NY 10570. Purpose: any lawful acts. # 61271

LEGAL NOTICES SUPPLEMENTAL SUMMONS AND NOTICEñSUPREME COURT OF THE STATE OF NEW YORK, COUNTY OF WESTCHESTER ñBANK OF AMERICA, N.A., Plaintiff, against UNKNOWN HEIRS TO THE ESTATE OF MARY C. IUSI, if living, and if she be dead, any and all persons unknown to plaintiff, claiming, or who may claim to have an interest in, or generally or specific lien upon the real property described in this action; such unknown persons being herein generally described and intended to be included in the following designation, namely: the wife, widow, husband, widower, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors, and assignees of such deceased, any and all persons deriving interest in or lien upon, or title to said real property by, through or under them, or either of them, and their respective wives, widows, husbands, widowers, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors and assigns, all of whom and whose name, except as stated, are unknown to plaintiff, FREDERICK IUSI AS HEIR TO THE ESTATE OF MARY C. IUSI; MARY CELINE BEDKE AS HEIR TO THE ESATE OF MARY C. IUSI; JEANNE VAN LENT AS HEIR TO THE ESTATE OF MARY C. IUSI; CLAIRE WINTJE AS HEIR TO THE ESTATE OF MARY C. IUSI; GRACE SCARBOROUGH AS HEIR TO THE ESTATE OF MARY C. IUSI; SINGER ENERGY GROUP LLC D/B/A ROBINSON OIL; SECRETARY OF HOUSING AND URBAN DEVELOPMENT; UNITED STATES OF AMERICA, THE PEOPLE OF THE STATE OF NEW YORK and JOHN DOE AND JANE DOE #1 through #7, the last seven (7) names being fictitious and unknown to the Plaintiff, the persons or parties intended being the tenants, occupants, persons or parties, if any, having or claiming an interest in or lien upon the mortgage premises described in the complaint, Defendants-Index no. 57482/2016. Original filed with Clerk 5/25/2016 Plaintiff designates Westchester County as the place of trial. The Basis of Venue is that the subject action is situated in Westchester County Premises: 56 South Pine Street Katonah, NY 10536 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 Plaintiffís Attorney(s) within 20 days after the service of this Summons, exclusive of the day of service (or within 30 days after the service is complete if this Summons is not personally delivered to you within the State of New York); the United States of America may appear or answer within 60 days of service hereof; 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. This Supplemental Summons is filed pursuant to Order of the court dated July 11, 2017. NOTICE-YOU ARE IN DANGER OF LOSING YOUR HOME ñ 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 the mortgage company will not stop the 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. We are attempting to collect a debt. Any information obtained will be used for that purpose. The foregoing summons is served upon you by publication pursuant to an order of the Honorable Joan B. Lefkowitz dated and entered July 11, 2017. The object of this action is to foreclose a mortgage and covering the premises known as 56 South Pine Street Katonah, NY 10536 Dated: August 11, 2017. Pincus Law Group, PLLC, Margaret Burke Tarab, Esq. Attorneys for Plaintiff 425 RXR Plaza Uniondale, NY 11556, 516 699-8902 #61331

Supreme Court Westchester County IN THE MATTER OF THE FORECLOSURE OF TAX LIENS BY PROCEEDING IN REM PURSUANT TO ARTICLE ELEVEN OF THE REAL PROPERTY TAX LAW BY THE TOWN OF RYE Index No. 2378/17 NOTICE OF FORECLOSURE PLEASE TAKE NOTICE that on the 2nd day of August, 2017, the Receiver of Taxes, hereinafter, the “Enforcing Officer”, of the Town of Rye, hereinafter, the “Tax District”, pursuant to law filed with the Clerk of Westchester County, a petition of foreclosure against various parcels of real property for unpaid taxes. Such petition pertains to the following parcels: Lot No.

Address

Owners

Amount Due

136.79-1-57

145 Highland St.

Frank & Angela Barchella

$25,000.25

219 Westchester Ave.- 5th Fl. Port Chester, NY 10573 136.79-1-18

141 Highland St.

Frank & Angela Barchella

$38,942.03

219 Westchester Ave.5th Fl. Port Chester, NY 10573 Effect of filing: All persons having or claiming to have an interest in the real property described in such petition are hereby notified that the filing of such petition constitutes the commencement by the Tax District of a proceeding in the court specified in the caption above to foreclose each of the tax liens therein described by a foreclosure proceeding in rem. Nature of proceeding: Such proceeding is brought against the real property only and is to foreclose the tax liens described in such petition. No personal judgment will be entered herein for such taxes or other legal charges or any part thereof. Persons affected: This notice is directed to all persons owning or having or claiming to have an interest in the real property described in such petition. Such persons are hereby notified further that a duplicate of such petition has been filed in the office of the Enforcing Officer of the Tax District and will remain open for public inspection up to and including the date specified below as the last day for redemption. Right of redemption: Any person having or claiming to have an interest in any such real property and the legal right thereto may on or before said date redeem the same by paying the amount of all such unpaid tax liens thereon, including all interest and penalties and other legal charges which are included in the lien against such real property, computed to and including the date of redemption. Such payments shall be made to NICHOLAS C. MECCA, Receiver of Taxes, Town of Rye, 222 Grace Church Street, Port Chester, New York 10573. In the event that such taxes are paid by a person other than the record owner of such real property, the person so paying shall be entitled to have the tax liens affected thereby satisfied of record. Last day for redemption: The last day for redemption is hereby fixed as the 1st day of November, 2017.

SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER Index No. 63520/2015 SUPPLEMENTAL SUMMONS WITH NOTICE BANK OF AMERICA, N.A., Plaintiff, against LUTICIA FLOYD, NATHANIEL KIRKSEY, JR. A/K/A NATHANIEL KIRKSEY, If they be living and if they be dead, the respective heirs-at-law, nextof-kin, distributes, executors, administrators, trustees, devisees, legatees, assignees, lienors, creditors and successors in interest and generally all persons having or claiming under, by or through said defendant who may be deceased, by purchase, inheritance, lien or inheritance, lien or otherwise any right, title or interest in or to the real property described in the complaint, NEW YORK STATE DEPARTMENT OF TAXATION AND FINANCE AND UNITED STATES OF AMERICA,Defendants, To the above named defendants: YOU ARE HEREBY SUMMONED to answer the amended complaint in this action and to serve a copy of your answer, or, if the amended complaint is not served with this supplemental summons, to serve a notice of appearance, on the plaintiff’s attorneys within 20 days after the service of this supplemental summons, exclusive of the day of service (or within 30 days after the service is complete if this summons is not personally delivered to you within the State of New York); 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 foregoing supplemental summons is served upon you by publication pursuant to an Order of the Honorable Joan B. Lefkowitz Justice of the Supreme Court of the State of New York, Westchester County, dated the 21st day of April, 2017 and duly entered in the office of the Clerk of the County of Westchester, State of New York. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT The object of the above captioned action is to foreclose a Mortgage to secure $289,950.00 and interest, recorded in the Office of the County Clerk of Westchester County on January 26, 2009 in Control No. 490220316, which mortgage was assigned to Bank of America, N.A., Successor by Merger to BAC Home Loans Servicing, LP FKA Countrywide Home Loans Servicing, LP by assignment of mortgage dated November 29, 2011, which was recorded in the Office of the County Clerk of Westchester County on December 23, 2011 in Control No. 513493543, covering premises known as 5 SOUTH 14TH AVENUE, MOUNT VERNON, COUNTY OF WESTCHESTER, STATE OF NEW YORK (SECTION 164.84, BLOCK 3015, LOT 35).

Service of answer: Every person having any right, title or interest in or lien upon any parcel of real property described in such petition may serve a duly verified answer upon the attorney for the Tax District setting forth in detail the nature and amount of his or her interest and any defense or objection to the foreclosure. Such answer must be filed in the office of the county clerk and served upon the attorney for the Tax District on or before the date above mentioned as the last day for redemption. Failure to redeem or answer: In the event of failure to redeem or answer by any person having the right to redeem or answer, such person shall be forever barred and foreclosed of all his or her right, title and interest and equity of redemption in and to the parcel described in such petition and a judgment in foreclosure may be taken by default. Enforcing Officer: NICHOLAS C. MECCA Receiver of Taxes Town of Rye 222 Grace Church Street Port Chester, New York 10573 Attorney for Tax District: Tartaglia Law Group LLC 800 Westchester Avenue – N307 Rye Brook, New York 10573 (914) 481-1880 Ad #61345

The relief sought in the within action is a final judgment directing the sale of the premises described above. The Plaintiff also seeks a deficiency judgment against the Defendant, LUTICIA FLOYD, for any debt secured by said Mortgage which is not satisfied by the proceeds of the sale of said premises, unless discharged in bankruptcy. Premises lying and being in the City of Mt. Vernon. BEGINNING at a point on the easterly side of South Fourteenth Avenue, 671.81 feet northerly from the corner formed by the intersection of the northerly side of West Second Street and the easterly side of South Fourteenth Avenue; being a plot 105.20 feet by 28.03 feet by 105.20 feet by 28.03 feet. SECTION 164.84, BLOCK 3015, LOT 35 Dated: Rego Park, New York August 7, 2017 DAVID A. GALLO & ASSOCIATES LLP By: Attorneys for Plaintiff 95-25 Queens Boulevard, 11th Floor Rego Park, New York 11374 (718) 459-9000 #61317

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