Westchester County Business Journal 100917

4 | CITY STANDOFF OCTOBER 9, 2017 | VOL. 53, No. 41

10 | MOUNT VERNON OPENING westfaironline.com

YOUR ONLY SOURCE FOR REGIONAL BUSINESS NEWS

Norwegian Air puts Stewart on Europe’s map

Opportunity builders

PAGE 2

Norwegian Air founder and CEO Bjorn Kjos at the ticket counter at Stewart International Airport. Photo

by Bob Rozycki.

BY BOB ROZYCKI

Leading The PowerLab in southwest Yonkers are, from left, Ray Wilcox, LaMont OyeWale’ Badru and Anthony Bailey. Photo by Ryan Deffenbaugh

bobr@westfairinc.com

Mount Vernon scuttles apartment project, developer says

BY BILL HELTZEL bheltzel@westfairinc.com

T

he NRP Group has withdrawn plans to build 120 market-rate apartments in Mount Vernon and has accused city officials of derailing the project.

Based in Cleveland and the developer of 27,000 apartments in 13 states, NRP

had proposed a $31.5 million project at 1 Bradford Road, at Willson’s Woods Park near Hutchinson River Parkway.

“Not only was the city failing to be a cooperative partner in this development," Jonathan Gertman, NRP Group vice president of development, said in a Sept. 25 letter to Mount Vernon Mayor Richard Thomas, "it was actively attempting to derail the project.”

He said the firm began the project with great enthusiasm and it expected a positive reception. Instead, the Mount Vernon Industrial Development Agency, led by Thomas, frustrated the firm at every turn and acted in "bad faith."

“Certain emissaries from City Hall,” the developer’s letter says, contacted property owner Alan J. Landauer, of White » MOUNT VERNON, page 6

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B

jorn Kjos, the 71-year-old founder and CEO of Norwegian Air Shuttle ASA, is jovial this late summer night after arriving at Stewart International Airport from Bergen, Norway.

Just three months after entering the New York market with his fare-cutting long-haul airline, Kjos was looking to add more Boeing 737 MAXs — 108 MAXs and 42 Dreamliners, he said — and expand the airline’s destinations. A few days later on Sept. 22, Kjos was probably a bit more jovial as the U.S. Department of Transportation had given his U.K. subsidiary the approv» NORWEGIAN AIR, page 6

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Building a workspace and opportunity in Yonkers

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

T

he PowerLab, a co-working and incubator space in southwest Yonkers, celebrated its grand opening last month, a major step for a project that its nonprofit founder hopes will bring new economic opportunity to its neighborhood.

Standing in the 2,700-square-foot former medical space that has been repainted, tiled and decorated with local artwork, Ray Wilcox remarked on how far the space had come following a year of refurbishment. It wasn't easy to get there, he said.

“It’s been a lot of work and a roller coaster for sure,” said Wilcox, a cofounder of the project. “We pushed back our launch four or five times already, but this worked out perfect.”

On the third floor of an office building at 45 Ludlow St., The PowerLab's new office is furnished with an assortment of desks, couches and tables, along with a reception area and a kitchen and café. The project's leaders hope the space will soon be filled with freelancers, entrepreneurs and employees of companies in growing tech fields. It will also be home to a number of workshops and courses that teach skills such as coding and design.

The project was launched from a canvassing initiative started three years ago, the Highland Hill Project. The initiative is led by the Yonkers-based nonprofit Community Governance & Development Council (CGDC), which led an effort to speak with residents in southwest Yonkers and identify needs in the community.

“The primary need that we identified was the lack of economic opportunity,” said Community Governance and Development Council Executive Director LaMont OyeWale’ Badru. “So we had an idea for creating a business incubator as a potential model or solution for that problem that was different than traditional paths to economic development.”

CGDC began work on The PowerLab and partnered with Wilcox and Anthony Bailey, managing partners of Defiant Media Group, a Yonkers-based marketing and business development agency, which oversaw the buildup and launch of the facility.

To help renovate and launch the workspace, CGDC received a $75,000 community development block grant last year from the Yonkers Planning Department. The project also received a $20,000 grant from the Elias Foundation and additional funding for its planning from the Westchester Community Foundation and the Surdna Foundation.

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Publisher Dee DelBello Associate Publisher Anne Jordan Managing Editor John Golden Senior Editor/Digital & Photo Bob Rozycki Creative Director Dan Viteri

A common area at The PowerLab in southwest Yonkers.

In a statement of support, Yonkers Mayor Mike Spano said The PowerLab will “provide needed guidance and opportunities to community members to create businesses by giving them the tools and office space they need to be successful.”

Wilcox said tenants in the office space include a range of local nonprofits.

Membership in the co-working space at The PowerLab costs $185 a month, which includes access to work space, meeting rooms and printing and copying. The PowerLab also offers private office space for $500 per month, though those spaces have already sold out.

A $25 monthly membership provides free or discounted access to The PowerLab's events and access to the work space for an additional $20 per use.

The group is finalizing the operating plan for its incubator program, with plans to launch that operation in February. After that, Badru said, The PowerLab will work to launch a business accelerator program using additional space within the building.

The incubator will offer free workspace to selected startups along with mentorship, business development training and technical support, according to Badru. The accelerator, meanwhile, will target more established companies and help them access capital to grow their operations. Both will prioritize businesses that are based in Yonkers and women- and minority-owned.

CGDC was launched in 2012 to organize an attempt to acquire the former School 19 building at 70 Jackson St. in southwest Yonkers. The nonprofit proposed to convert the school building into a community facility with an urban planning-focused high

school. Ultimately, the city sold the property to Long Island City-based developer Alma Realty Corp., which plans to build an apartment complex there.

CGDC then launched the Highland Hill Project, which aims to assess community needs in the area around the School 19 property to develop a comprehensive plan that will recommend solutions for the neighborhood.

CGDC noted on its website for The PowerLab that one in three residents in southwest Yonkers lives below the poverty line.

“We identified the economic development that needs to occur,” Bailey said. “This is the catalyst for it — providing that space and opportunity for individuals to be here.”

The PowerLab has so far hosted coding and design meetups, talent shows, lunch bag drives for people who are homeless or hungry, yoga sessions and entrepreneurship classes. This summer, the nonprofit worked with the Greyston Foundation and Purchase College to launch a free eightweek entrepreneurship course at the Purchase College Center for Community and Culture in downtown Yonkers.

The PowerLab also plans to partner with an educational institution to launch a coding program, Badru said.

“We think a lot about workforce development, but we're geared more towards the future economy,” Badru said. “We understand that information technology is the future for growth in our communities. So when we focus on job development, our focus is on building skills, like programming, coding and learning IT infrastructure."

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Equality still elusive for women in workplace

BY ALEESIA FORNI aforni@westfariinc.com

I

t’s been more than half a century since the Equal Pay Act was passed by Congress in 1963, but women in the workplace are still striving for true equality, according to panelists at a recent forum regarding women in leadership and business.

In her opening address at Women’s Blueprint, an Oct. 3 luncheon discussion in Rye, Barbara Roberts, the entrepreneur in residence at Columbia Business School, pointed to pay disparity between men and women — a gap that remains, though it has decreased in recent decades.

In 1969, women earned 57 cents for each dollar earned by their male counterparts, she said. Today, women earn roughly 80 cents of the dollar earned by men. That pay disparity is more pronounced in careers where employees have less flexibility, like financial specialists and surgeons.

“It’s when there’s no flexibility, when you can’t come and go for work,” Roberts said. “That’s a very good reason why we see so many entrepreneurs step out and start their own businesses.”

Women tend to rely on that flexibility for a number of reasons, but chief among them is child care. “Child care is still the issue we haven't sorted out,” Roberts said, adding that single, child-free, urban women earn 10 percent more than their male counterparts.

To give employees that flexibility, Maryne Robine, founder of Nantes Solutions, an information technology services company in Stamford, said she offers them flex time and the ability to work remotely. “We have to start trusting our employees,” she said. “With technology now, that’s possible.”

Another hurdle faced by women in leadership positions is gaining trust.

“There are still some lingering biases to women, but I do think we’re really seeing that needle change,” Roberts said.

Robine knows those biases firsthand.

“I was a woman in tech and I think people looked at me like, she’s a woman and she speaks funny. I don’t trust her,’” recalled French-born Robine.

Jennifer Openshaw, founder and CEO of Girls With Impact, a Greenwich nonprofit, said that to overcome some of the obstacles faced in the workplace, women should focus on the value they can bring to an organization. “Then, you become valuable to them and they’re going to pay attention to your needs,” she said.

Women can also be plagued with selfdoubt or a need to be perfect, which can prevent them from applying for new leadership roles, Roberts said.

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Barbara Roberts, entrepreneur in residence at Columbia Business School, speaking at the Women’s Blueprint forum. Photo by Sebastian Flores

“Women only apply to a job when every one of the requirement boxes is checked,” she said. “Every 10 things has to be checked.

Men apply when there’s two of them out of the 10 checks.”

Panelist Blake Leonard, a certified sommelier and brand marketing manager at Stew Leonard’s Wines, said she combats her own self-doubt by shifting her inner dialogue.

“Instead of saying, ‘Can I do this?’ we should ask, ‘How can I do this?’” she said.

Leslie Gordon, president and CEO of The Food Bank for Westchester, advised women to be comfortable being themselves.

“Don’t aspire to be like the men who are in the room,” she said. “You don’t have to be bullish to be a female leader or be super outspoken. You should focus on being good at your business craft.”

She also encouraged women to seek new opportunities and speak up. “Spend time understanding what it takes to get to the next level in your arena and if you don’t know, then ask. I think a lot of times, women don’t do the simple thing, which is ask a question.”

Finding mentors can also be key for women who are starting out in the workplace. When Leslie Gordon first landed her position at The Food Bank for Westchester, she sought out women in leadership positions at other food banks.

“Don’t be afraid to step out. Even if they’re at the C-suite level,” she said.

“They’re just people.”

Women’s Blueprint was sponsored by Bank of America Merrill Lynch and the Westchester and Fairfield County Business Journals.

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Yonkers to NYC: move the bus depot — now!

BY ALEESIA FORNI aforni@westfariinc.com

Y

onkers officials are moving forward with efforts to remove a Metropolitan Transportation Authority bus depot from a valuable 3½-acre piece of real estate on the city’s waterfront.

The parcel of land at 59 Babcock Place, which stretches north of Alexander Street and west of Ravine Avenue on the downtown waterfront, is owned by New York City and leased to the MTA. Yonkers officials say the property is necessary for the city and private developers to complete the city’s master plan for waterfront redevelopment.

“Our message to New York City is very clear: stop taking Yonkers taxpayers for a ride,” Mayor Mike Spano said at a Sept. 28 press conference near the bus lot. “It’s evi-

dent to me that Yonkers is subsidizing the ridership of New York City residents. This bus garage serves no purpose, none whatsoever, to Yonkers residents or its visitors.”

The city plans to extend Alexander Street to a portion of the property and open access to in-the-works residential and commercial developments. Officials say the land could also help with infrastructure and parking necessary to complete its master plan.

“It’s the single most valuable stretch of property here in Yonkers,” Spano said of the top, which is used by the MTA to service bus lines in the northern Bronx.

The land is adjacent to Manhattanbased Extell Development Co.’s proposed six-building, 1,395-unit luxury rental apartment complex, which would be on 22 waterfront acres stretching from the former British International Cable Corp. property at 1 Point St. to the Excelsior

Yonkers Mayor Mike Spano speaks at a Sept. 28 press conference next to the MTA bus depot. Photo by Aleesia Forni.

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Agency held a pair of public hearings during the summer on the possible condemnation of a portion of the bus depot property needed for roadway improvements, which would be the first step to an eventual taking by eminent domain. Yonkers officials say the IDA now has six weeks to determine how it plans to proceed.

“It’s time to give this property back to its rightful owners and that’s the people of our great city of Yonkers,” Spano said.

Spano said his administration has attempted to negotiate a relocation deal for the facility with the MTA and New York City for years.

“This is a textbook example of David versus Goliath,” he said. “New York City believes it can push its locally undesirable land uses onto its smaller, less powerful neighbor to the north.”

In 2015, Spano sent a letter to New York Mayor Bill deBlasio expressing his frustration with the extended process and his hopes that the situation could be resolved without resorting to the courts.

Since that time, Spano said his administration made a number of attempts to find a new site for the MTA bus depot and held multiple conversations with officials of the deBlasio administration in New York City.

According to Yonkers officials, New York City refused to discuss the relocation of the garage unless Yonkers agreed to pay the city $45 million. New York City in 2005 paid $10.5 million to acquire the property from Liberty Lines Express.

Yonkers officials said a third-party appraisal of the MTA bus garage site valued it at roughly $6 million.

At the press conference, Spano also called on Gov. Andrew Cuomo to assist in mediating the situation with both New York City and the MTA. A representative for the MTA directed requests for comment from the Business Journal to New York City. Requests for comment from New York City failed to produce a response.

T:7.375 in

Topping-out at Hudson Park in Yonkers

There’s a place for high drama ... just not in your health plan.

The $85 million tower, called Hudson Park River Club, will include studios and one- and two-bedroom apartments. Photo by Aleesia Forni.

S

T:11.5 in

trategic Capital LLC, the New Jersey-based real estate investment arm of China State Construction Engineering Corp., held a topping-out ceremony for the final piece of its sprawling development along the Hudson River.

Hudson Park, the 16-acre development overlooking the Palisades along the Hudson River, has entered the final stages of construction with a 230,000-square-foot, 213unit tower. The $85 million tower, called Hudson Park River Club, will include studios and one- and two-bedroom apartments.

“This is transformative to our city, to our development and to our future,” Yonkers Mayor Mike Spano said at the Sept. 26 ceremony.

Hudson Park River Club is expected to be completed and ready for leasing in the third quarter of 2018, according to Phillip Gesue, Strategic Capital’s chief development officer.

“It’s exciting for us because topping-out the building is really when you have the turning point and your schedule becomes more clear,” Gesue said.

The property at 1 Alexander St. will also provide a range of amenities, including an indoor pool overlooking the river, a resident lounge and club room, a chef’s kitchen, a fitness center, a recreation area and covered parking.

“This is going to set a new standard of luxury for Yonkers,” Gesue said.

The transit-oriented complex sits across the street from the Yonkers MetroNorth train station. Apartment rentals begin at $1,720 for a one-bedroom and $2,200 for a two-bedroom.

Strategic Capital took over development of the final tower from Stamfordbased Collins Enterprises LLC and broke ground on the 24-story building in September 2015.

“We’re not the original developer, but we get to put the final nail in the coffin, so to speak,” Gesue said.

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Mount Vernon — » » From page 1

Plains, about building a hotel instead.

Landauer ran a home health equipment and supplies business on the site. But in 2013, his company, Landauer Metropolitan, filed for bankruptcy, and the office building and warehouse were closed.

Landauer said an IDA official approached him about six months ago and said, maybe, someone is interested in buying the property for a hotel.

Thomas verified that he would like to see the property used for a hotel, catering center or some sort of retail use. He said the IDA’s objective is to grow the tax base and an apartment building in a park “doesn’t necessarily work well.”

“We have a different vision of the future of our park,” Thomas said. “We did the math and we saw there is a greater value as a commercial-retail activity.”

Thomas said “a number of proposals” have been presented to the city for turning 1 Bradford Road into a “commercial engine.”

“That is absolutely false,” Landauer said.

“As far as I am concerned, this is a fantasy.”

The property has been on the market for four years and vacant for three. No hotel or retail developer has approached him, let alone made an offer, Landauer said.

“I’m the only owner! I would be delighted to sell it. It’s an albatross around my neck right now,” he said. “Where he dreamed up a hotel, I don’t know.”

Gertman said a city official, whom he would not name, contacted him and said he was not acting in his official capacity but was

Norwegian Air — » » From page 1

al to fly to U.S. cities as well, allowing his airline to expand at London’s Gatwick Airport. Norwegian’s flights from the U.K. to the U.S. had been handled by its Norwaybased mother carrier and its unit in Belfast, Northern Ireland.

Norwegian Air’s expanding arc is pushing Stewart Airport skyward as well.

Ed Harrison, general manager of the airport run by The Port Authority of New York and New Jersey, was smiling after meeting Kjos on the tarmac Sept.18.

“This is a stress-free environment for aviation to grow,” Harrison said. “And our strategic aviation assets that we have in the New York metropolitan area, Stewart will play an important part in the growth of the region.”

With Stewart, “The traveling public has options to avoid traffic, to avoid congestion,” he said referring to the problems encountered by those using Newark, John F.

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calling on behalf of investors interested in buying the property as a hotel site. Gertman did not consider the overture as bona fide.

“There’s just not a market for that,” he said.

The property is zoned for multifamily residential use, not for a hotel or retail use. The Mount Vernon City Council has approved the NRP apartment project. What’s more, a hotel or catering hall would draw transient crowds, traffic and noise “that would not add to the bucolic nature of the park,” Gertman said.

NRP was drawn to Mount Vernon because Thomas had pledged to create 8,000 units of market-rate housing in the city. Gertman met with the mayor and city council and was assured that the city did indeed want the apartments. “The mayor’s statements gave us encouragement,” he said, “and we decided to give it a shot.”

The process quickly stalled.

NRP applied for financial assistance from the IDA: a $540,000 sales tax exemption, $400,000 property tax abatement and $236,164 mortgage tax exemption. It proposed a 20-year payment in lieu of taxes agreement that Gertman says was significantly more generous than most such tax abatement agreements.

The IDA had already approved financial assistance for a previous developer, Wood Partners of Atlanta. That company pulled out because of community opposition and, Landauer said, lack of cooperation from City Hall.

A network of community activists has opposed both proposals for the site. “If there is a choice between residential rental and

something else,” said Jane Curtis, “something else wins every time.”

She said the group does not favor a hotel, but some members liken 23-acre Willson’s Woods Park to Central Park, and they would like an attraction similar to Tavern on the Green.

Others would like to see a multipurpose community center, perhaps with an environmental center or bird sanctuary and programs for Mount Vernon High School students. Curtis said these concepts could fit the mayor’s idea of connecting the park to Canal Village by way of a greenway along the Hutchinson River.

NRP held several community meetings to identify concerns and find solutions, said land use attorney Michael D. Zarin, of Zarin & Steinmetz in White Plains.

NRP’s plans put most of the parking inside, to conceal cars. The design was adjusted to conform more with Mount Vernon’s residential architecture. A courtyard and more landscaping were incorporated to make the five-story building look less massive and less industrial. The developer offered to give Westchester County $350,000 for park improvements. The firm also added a food court, to please the mayor.

“We felt we bent over backwards to figure out a solution,” Gertman said.

For months, NRP couldn’t get on the city IDA agenda. Then, the day before the Sept.

13 meeting, he says he was told the project would be discussed. But when the NRP entourage showed up, the project was not on the agenda.

According to an account of the meeting

by Curtis that Gertman verified, NRP representatives pressed for a vote on the project

application, then for a conditional vote, then for a straw vote and then for a “reading” from each member of the board. Each request was met with a firm “No.” NRP withdrew its IDA application for financial assistance and notified the city that it had terminated its contract with Landauer.

“We had to move on,” Gertman said. He said the company will seek opportunities in other Westchester towns.

Thomas said he is focused on value, and his analysis shows that there is a better way to create jobs and lower taxes at this site. He said he made his position clear to NRP for some time. “They just didn’t like the answer.”

Communities have a right to determine their destiny, Gertman said, and encountering resistance and losing deals is part of the business. “But usually we get a fair shake and a fair hearing. That’s the frustrating part - not that we lost.”

Landauer is bitter. The dormant property is costing him about $400,000 a year in mortgage interest, taxes, insurance and upkeep.

According to county property records, a $693,404 loan payment is due on Jan. 1. “This was going to be our retirement,” he said.

Landauer and Gertman and Zarin also expressed sadness for Mount Vernon, a city that they say has great potential and a need for high quality, market-rate housing.

“It’s nice to have a vision. It’s nice to have policy aspirations,” Zarin said. “But when they are not based in reality and the outcome is just to leave the landowner with no possibility of making an economic, productive use of the property and you’re leaving the site vacant and dilapidated, it makes no policy sense.”

Kennedy and LaGuardia airports.

“For airlines to consider Stewart Airport as the low-cost entry point into the New York metropolitan area,” he said referring to landing and gate fees, “this is the airport of choice.”

Harrison’s comments are borne out by Stewart’s numbers.

The airport’s passenger volume in July jumped by 111.4 percent from June numbers — the highest growth rate among Port Authority airports — while handling 29,362 additional passengers.

The growth was led by Norwegian’s arrival from Edinburgh, Scotland, on the evening of June 15, heralding the start of scheduled international flights. During the rest of June, Norwegian carried 4,490 travelers and added 5,952 seats.

Since then, it has added flights to Dublin and Shannon in Ireland, Belfast in Northern Ireland and Bergen in Norway.

“We hope to fly (to) more destinations in Europe and also in the states,” Kjos said, without disclosing specific expansion plans.

“Obviously we are already looking at many

more destinations here in the states," he said.

Norwegian already flies to 14 airports across the U.S. As for the current routes to and from Stewart, Kjos said they are “working very well.”

“That was actually a new test for us.

Would it work to fly a single-aisle (aircraft)?

And with the new MAX aircraft from Boeing, that aircraft had the range to do it and it has worked out perfectly,” he said.

“We can fly from Bergen or Dublin to New York with a single-aisle 737 MAX. We’re the first one in Europe to fly it.”

The two other regional Northeast airports into which Norwegian flies singleaisle, narrow-body MAXs are Bradley International Airport in Windsor Locks, Connecticut and T.F. Green Airport in Warwick, Rhode Island.

“Providence and Hartford are going very well. Providence is more of a seasonal operation and New York is much more of a year-round operation,” Kjos said.

When asked about how Freddie Laker’s Skytrain, which had a short lifespan in the low-cost, long-haul market, Kjos pointed out

that “the internet age wasn’t there.”

“Most of our tickets are sold over the internet; 80 percent we sell over the internet. He (Laker) had to rely on travel agencies and they were owned by his competitors. It wasn’t easy for him. He didn’t have the benefit of flying a modern Dreamliner. So it’s a totally different ball game today.”

“We could not have done this without the new airplanes like the Boeing,” said Kjos.

Earlier in the summer, Norwegian placed an image of Laker on the tail fin of a new Boeing 737 MAX, just as it does for other personalities. The maiden flight of the Laker Skytrain from Gatwick to JFK occurred on Sept. 26, 1977.

Norwegian is third behind Ryanair and Easy Jet in the European low-cost short-haul market.

Asked who will imitate his airline and begin low-cost, long-haul flights, Kjos said, “I don’t know, but I hope it’s good for the passengers. Because more flights over the Atlantic will keep prices low, keep fares down. So competition is the best thing that can happen.’

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PLAN FOR FUTURE VARIABLES

Begin by consulting with a

Next, sit down with family and

Ask your team to explore ways to

diverse group of advisors

staff to gauge their future

create enough liquidity that can

offering specialized expertise.

interest, and ensure that

enable your successors to pay

Include attorneys, company

interested family members

estate taxes and other expenses.

counsel and an estate lawyer.

have the right leadership skills

Gifting wealth, buying life

Designating your personal

and business acumen. If you

financial advisor as the point

decide to sell outside the family,

person can help coordinate the

explore ways to maximize

team’s efforts, while clarifying

the value of your business

the overlap between business

and engage a wide range of

finances and family wealth.

potential strategic buyers.

insurance, refinancing business loans or moving liquid assets to new accounts can greatly simplify things for your successors, but optimizing these strategies requires in-depth planning.4

¹Michael D. Allen, Motivating the Business Owner to Act, SFA2 A.L.I.-A.B.A. 1, at 7 (2001). ²Charles D. Fox IV, Keeping it in the Family: Business Succession Planning, SS039 A.L.I.-A.B.A.2009, 2013 (2011). ³2016 U.S. Trust Insights on Wealth and Worth® Survey. 4Profile: Creating liquidity to meet estate tax liabilities without selling a business, U.S. Trust, 2014.

“Bank of America Merrill Lynch” is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation (“Investment Banking Affiliates”), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp., both of which are registered broker-dealers and Members of SIPC, and, in other jurisdictions, by locally registered entities. Merrill Lynch, Pierce, Fenner & Smith Incorporated and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed. ©2017 Bank of America Corporation. ARTCMYYC 09-17-0358.C

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Entering retirement With changing demographics and increasing life expectancy in the U.S., the term “retirement” is constantly evolving. We at Mitchell WealthCare know that retirement can span multiple decades and may last longer than ever before whether you are a current retiree or approaching retirement. Retirement can thus be looked at as a broader concept broken down into phases. According to a fourth quarter 2013 UBS Investor Watch, 90% of investors under 65 believe they will go through multiple distinct phases of retirement, which, together, may last as long as 30 years.1 The phase in which you will begin retirement comes with specific financial needs, priorities and concerns—planning for these topics can greatly impact the course of your overall retirement experience.

Looking at retirement as a journey with many stages that can span 30 years or more, it is crucial that folks prepare for the many needs and accompanying expenses that may occur. This is why the transition years of retirement are a particularly valuable time to engage in retirement planning and to address topics such as lasting income in retirement, healthcare and medical costs, long-term care expenses, and philanthropic and legacy considerations.

Financial planning can also help to mitigate these challenges that you may face within your portfolios and income over the course of retirement, including inflation, market volatility, unexpected healthcare costs and the risk that you or your spouse will live longer than expected.

We understand that retirement means different things to different people. Perhaps you may not plan to stop working entirely, and may instead redefine priorities to work reduced hours, switch careers, start a business or volunteer, creating a new work / life balance and an increase in free time, leisure activities or travel. Budgeting can become a challenge in retirement if you underestimate the amount of money that may be needed on a daily basis, and spending habits may change once you are no longer working.

Mitchell WealthCare understands these evolving priorities, budgeting challenges and the changing income needs that will accompany them, as well as inflation considerations for estimating cost of living.

Indeed, 59% of investors transitioning to retirement felt maintaining their lifestyle was a key financial-related need, and 58% also highlighted cash flow/income stream as a key need. Those that had already transitioned to retirement also identified maintaining their lifestyle as a key need (58%), “but with an even greater emphasis on cash flow/income stream (66%) now that they have no more work income, and their spending is likely to increase.” For example, each individual living 25 years in retirement that eats 3 meals a day, for 25 years will eat 27,375 meals or 54,750 total meals for a couple. At just $10 per meal that means a couple will spend $547,500 in food alone, not factoring in inflation over that time period.

Ensuring that your cash flow meets your needs can also be looked at more broadly as maintaining financial stability in retirement.

Comprehensive financial planning can help you address and understand key components that can impact your financial stability in retirement, such as income/cash flow, health and medical costs, inflation, long-term care and other insurance considerations. Another planning aspect concerns certain retirement income streams such as Social Security, pensions, and/or required minimum distributions (RMDs) from 401(k) plans or IRAs. Lastly, it is important to be aware of the psychological impact of entering retirement.

If you have worked for many decades, the changes in lifestyle when phasing into retirement are significant. We find that many people view their careers or preretirement priorities as a large part of their identity or consider making significant changes such as downsizing or moving to a new location. There is delicate balance between ackowleding the emotional components of retirement while focusing on the practical elements of planning for financial stability. Mitchell WealthCare is here to help.

Barry P. Mitchell Jr. Managing Director– Wealth Management

Mitchell WealthCare UBS Financial Services Inc. 709 Westchester Avenue, Suite 400 White Plains, NY 10604 914-287-6074

ubs.com/team/themitchellgroup UBS Investor Watch 4Q 2013: 80 is the new 60.

In providing wealth management services to clients, we offer both investment advisory and brokerage services, which are separate and distinct and differ in material ways. For information, including the different laws and contracts that govern, visit ubs.com/workingwithus. © UBS 2017. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC. EXC_0221_Mitchell IS1704213

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IN COURT

BY BILL HELTZEL bheltzel@westfariinc.com

RAPE VERDICT SHADOWS PSYCHOLOGIST’S BANKRUPTCY

A woman who won a verdict for nearly $1 million against a Chappaqua psychologist she accused of rape has taken her claim to bankruptcy court.

The psychologist, William A. Knack, filed for Chapter 11 bankruptcy protection in July, four months after a civil jury in state Supreme Court in Westchester ruled that he had raped Noelle Feldman during a psychotherapy session. His bankruptcy petition automatically suspended the trial court proceedings until the bankruptcy case concludes.

But Feldman of Pound Ridge filed an adversarial complaint within bankruptcy court on Sept. 15 to protect her rape verdict.

Knack began treating Feldman in 2011 at his home office in Chappaqua. In January 2013, Feldman charged that Knack ripped and tore her clothing, bit her and trapped her on a couch during a therapy session. He sexually assaulted her, while making vulgar and threatening remarks as she repeatedly told him to stop and said he was hurting her.

After a seven-day trial in March, a jury found that Knack had committed first-degree rape. Feldman was awarded $250,000 for past pain and suffering, $200,000 for future pain and suffering and $500,000 in punitive damages. A $957,675 judgment, including interest, was entered in April.

Knack asked the judge to set aside the verdict and to either enter a judgment in his favor or order a new trial.

Then he filed for bankruptcy, claiming $640,624 in assets and $1,664,050 in liabilities. The judgment for Feldman is his largest unsecured claim, followed by $83,705 in legal fees he owes to the firm that defended him.

A week after he filed for bankruptcy, Justice Terry Jane Ruderman rejected Knack’s request to overturn the verdict.

Knack, an associate professor of psychology at SUNY-Old Westbury, had challenged Feldman’s credibility and had given the jury an “alternative narrative” of what had happened. She had gone back for therapy, for instance, after the date on which she said she was raped. Knack claimed that on a later date Feldman sexually assaulted him.

Ruderman cited excerpts from two “controlled phone calls” to Knack that Feldman had made in the presence of a New

Castle police detective. Feldman pressed hard, demanding an apology or admission of guilt and she repeatedly described how badly she had been hurt.

“I developed feelings for you,” Knack replied at one point. “I let myself act on those feelings. It f—ked up my judgment, and I acted in a way that I should not have acted.”

Knack explained to the jury that he apologized because Feldman wanted an apology. “The goal really was just to quiet her and get off the phone.”

The jury, Ruderman noted, based the verdict on its assessments of Feldman’s and Knack’s credibility. “The verdict can easily be reconciled with a reasonable view of the evidence,” she ruled, “rejecting defendant’s credibility and accepting plaintiff’s.”

Knack has appealed the judge’s decision. The bankruptcy court has set aside the automatic suspension of the trial court proceedings to allow the appeal to continue.

Feldman is asking bankruptcy court to declare that the civil judgment against Knack cannot be dismissed. A debt cannot be discharged, her attorneys argued, “for willful and malicious injury by the debtor.”

MALL TENANT SUES YONKERS LANDLORD

A discount store at the Mall at Cross County in Yonkers is suing the landlord for $5 million for allegedly refusing to repair a roof that collapsed.

The rooftop parking deck collapsed on Jan. 11 as a contractor was using a heavy Bobcat machine on an area restricted to 4,500 pounds. The Bobcat fell about 30 feet into the store, injuring five people.

The store was sealed off and condemned as unsafe.

NSC Wholesale Holdings of West Hempstead, owner of the National Wholesale Liquidators store, last month sued AAC Cross County Mall in Westchester Supreme Court. The lawsuit also names the parent company, Ashkenazy Acquisition Corp. and founder Ben Ashkenazy.

NSC claims that AAC had ignored structural problems for years at its Yonkers flagship store and that the rooftop work was being done without a permit.

NSC Wholesale Holdings claimed the landlord could realize more profit by not honoring the discount retailer’s lease.

“Refusal to honor their leasehold obligations is part of a nefarious campaign to harass NSC,” the lawsuit states, “so as to drive it out of the property.”

NSC Wholesale Holdings accuses the landlord of breach of lease, constructive eviction, breach of contract, fraud and negligence. It is demanding that AAC restore the building so that it can reopen the business. It is asking for at least $5 million to compensate for lost revenue, profits and inventory.

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OCTOBER 9, 2017

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MacQuesten celebrates grand opening of The Modern

BY BILL HELTZEL bheltzel@westfariinc.com

L

ike it or not, “I own it,” Rella Fogliano said on Sept. 28 at the grand opening of The Modern apartment building in Mount Vernon.

Not only did she build the $31.5 million, 11-story residential structure, she “owns” the design.

The Modern, at 130 Mount Vernon Ave., a block away from the Mount Vernon West train station, has introduced a splash of color in an otherwise drab industrial neighborhood.

Actually, there are many splashes. The façade is a quilt of yellow, orange, red, pink, violet and blue concrete panels.

Fogliano, president of MacQuesten Development in Pelham, did not want to work in beige or red brick.

“I’m having a Kermit the Frog moment,”

The Modern. Photo by Bill Heltzel.

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she told about 50 people assembled on the roof deck, referring to the Sesame Street song, “It’s not easy being green.”

The difficulties of being green can refer to the challenges of certifying a building as green or environmentally friendly. But to Fogliano the song is about being different.

“This building is different,” she said. “I know it can make some people uncomfortable.”

She wanted to bring a Manhattan vibe to Mount Vernon. She wanted to call attention to the city, to build something bold that people won’t forget.

The multicolored exterior is also meant as a kind of homage to a diverse population of races and ethnic groups and cultures.

“The material,” Fogliano said, “yeah, it’s different.”

At least one person at the grand opening found the colorful palette disturbing.

“We were promised a beautiful building,” said Janet W. Snyder. “Instead, we have the ugliest building I’ve ever seen.”

Snyder voted for the design as a member of the city planning board. But MacQuesten, she said, “did a bait and switch.”

The planning board was shown a design

using iridescent Centria metal panels that change color with the movement of the sun.

Instead, the façade consists of Equitone concrete cladding.

“We are forced to accept an unattractive building that’s in the gateway to Mount Vernon,” she said. “It’s really an ugly creation.

The rest of Westchester County is laughing at us.”

"Beauty is in the eye of the beholder," said Joseph Apicella, MacQuesten's managing director of development. He vigorously defended the design and took issue with the "bait and switch" comment.

“MacQuesten Development designed and built The Modern in absolute conformity with the planning board’s regulatory approvals, which Ms. Synder voted for," he said. "Her comments are completely baseless and without merit.”

Fogliano also touted the interior design.

Apartments, for instance, feature imported Italian cabinetry. When the costs of acquiring unique materials and furnishings busted the budget by $1.7 million, “I wrote the check.”

The Modern has one- and two-bedroom apartments, ranging from 654 to 906 square feet. The dwellings are priced as “workforce housing,” with rents pegged below the area’s median income.

Twenty-two units are for people with special needs who receive support services from Community Housing Innovations.

The building includes an indoor recreation space, rooftop recreation area, laundry facility and a combination of indoor and outdoor parking. The ground floor has 9,300 square feet for offices and community space.

It is the first of three that MacQuesten is building around the train station.

Ground will be broken soon at 22 S. West St., for a 17-story tower with 189 apartments and 5,000 square feet of retail space. The apartments will include both market-rate and subsidized rents.

Last year, MacQuesten bought the MetroNorth train station from Davenis Realty Inc., for $3 million. The plan, according to Apicella, is to convert a busy, but dirty and horrible, station into a mixed-use structure that will attract people to the neighborhood.

As to The Modern, Fogliano said, “I hope all of you grow to love it.”

westfaironline.com wagmag.com

D

DEALS&DEEDS

BY JOHN GOLDEN jgolden@westfairinc.com

FOREST CITY SELLING RIDGE HILL AND MORE

Forest City Realty Trust Inc. has definitively agreed to sell its ownership interest in Westchester’s Ridge Hill in Yonkers and nine other regional malls nationwide to QIC Ltd., a government-owned alternative investment firm headquartered in Brisbane, Australia.

The 10 malls are valued at approximately $3.175 billion and Forest City’s ownership share at $1.55 billion.

The sale of Ridge Hill, the approximately 1.3-million-square-foot retail, entertainment and medical office center that Brooklynbased Forest City Ratner Cos. opened in Yonkers in 2011, and five other mall properties are expected to close this year as thirdparty consents are obtained, the companies announced on Oct. 2. The six malls represent $1.24 billion of value and Forest City’s share is valued at approximately $667.5 million.

Forest City, headquartered in Cleveland, agreed to provide the buyer $150 million of seller financing for a period of up to 18 months from closing. Net proceeds for the first six malls, after transaction costs and seller financing, will be approximately $180 million.

The companies said the remaining four malls will be transferred to QIC under a fixed-price option. They represent $1.93 billion of value, of which Forest City’s share is approximately $887 million. Those sales are expected to close as Forest City secures replacement assets or other opportunities into which it will redeploy its ownership stake in those malls.

David J. LaRue, Forest City president and CEO, called the deal “a win-win for all parties, as we continue to focus our business on urban residential, office and mixed-use assets, and QIC acquires full ownership of a U.S. retail presence with high-quality regional malls in strong markets.”

The agreement with QIC follows Forest City’s September announcement that it would sell its majority interest in its 2.1 million-squarefoot New York City and New Jersey retail portfolio to Madison International Realty. The deal, valued at $1 billion and expected to close in the fourth quarter, will give Madison full ownership of the portfolio, which includes the Atlantic Center and Atlantic Terminal shopping malls in Brooklyn.

Forest City and QIC in 2013 formed a joint venture for a portfolio of Forest City's regional malls. With the pending sales to QIC and Madison International, Forest City will have exited from largely all of the shopping center-based retail in its portfolio.

As part of the QIC transaction, Forest City is also transferring its retail operating platform, including most personnel, to QIC. To date, functions, including leasing, marketing, tenant coordination, legal and human resources have transitioned to QIC. Accounting, property management and remaining functions will transfer to QIC as additional closings are achieved.

Steve Leigh, managing director of global real estate for QIC, said the company “is extremely pleased to expand our operations in the U.S. and will continue to invest in these quality assets. We welcome the Forest City operational staff onto our team and are highly confident that we will be able to replicate our strong Australian operating model here in the U.S."

WHITE PLAINS RESTAURANT BUILDING SOLD FOR $2.225M

30th Anniversary Westchester Real Estate Awards Breakfast March of Dimes Greater New York Market Thursday, November 16, 2017 Hilton Westchester • Rye Brook 7:00 a.m.

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189 E. Post Road in White Plains.

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Scarsdale investor Zef Perlleshi has closed his second recent real estate deal in downtown White Plains with the $2,225,000 purchase of a foreclosed vacant restaurant building at 189 E. Post Road.

The 10,000-square-foot property, at the corner of East Post Road and Waller Avenue, was sold in an all-cash transaction by an affiliate of Lane Capital Partners, a Manhattan firm that invests in distressed commercial real estate debt and was deeded the property last year in a foreclosure proceeding against the previous owners, restaurateur Parviz Shakiban and 189 East Post Road Corp.

The building has a 6,000-square-foot dining room and kitchen on the ground floor, with an additional 4,000-square-foot lower level of private banquet space and storage, according to brokers in the deal. It is just off Restaurant Row on downtown Mamaroneck Avenue and about two blocks from Perlleshi’s other recent purchase, a 90,000-square-foot office building at 75 S. Broadway.

John Barrett, head of investment sales at Admiral Real Estate Services in Bronxville, and Haryn Intner, retail leasing and sales agent at Admiral, represented the seller and identified the buyer.

“The property’s superior location will provide significant income to the new owner,” Barrett said, “as we had multiple restaurateurs looking to lease the space from the seller while we marketed the property.” The broker said the location “could also prove to be part of an assemblage for future largescale development. The immediate area has seen four new multifamily development projects, with an additional project proposed.

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OCTOBER 9, 2017

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On bad reviews and rising costs: Hudson Valley chefs speak out

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

M

argins are tight already, so how can the Hudson Valley’s top restaurateurs keep up with increasing costs?

That was the question Peter Kelly, chef and owner of X2O Xaviars on the Hudson in Yonkers and Restaurant X & Bully Boy Bar in Congers, posed to a panel of fellow chefs and restaurant owners last month at the Culinary Institute of America in Hyde Park.

The chefs were gathered at the culinary college’s Marriott Pavilion for the fall kickoff event of The Valley Table’s biannual Hudson Valley Restaurant Week.

“It used to be a lot easier,” said Andy Nusser, executive chef at Tarry Lodge, which has locations in Port Chester, Westport and New Haven. Nusser is a partner in the restaurants with Nancy Selzer and celebrity chefs Mario Batali and Joe Bastianich.

“I think the real thing now is, how do we fix this? Well, you raise your prices. That's what I think everyone is afraid to say out loud, but that's actually what happens.”

When minimum wage goes up a dollar, or restaurants have to provide health insurance for more employees, the answer is to raise the price on menu items as needed, Nusser said.

“So how do you raise prices and stay competitive?” Kelly countered. “I think that's the challenge for all of us.”

Michael Kelly, chef and owner of Liberty Street Bistro in Newburgh, said price can especially be a concern for customers in his city, where he opened the restaurant last year in a downtown historic district. “You can't price-gouge,” he said. “You can't expect people to shell out hundreds of dollars all the time.”

Liberty Street Bistro offers set prices for two-, three- or four-course meals. The system usually allows cheaper menu items such as chicken to balance out the more expensive items such as lobster, Kelly said.

Of course, there are nights where more people want lobster than chicken. “But most of the time, almost all the time, we hit the numbers we want to and come out on top,” he said.

“My wallet’s still empty,” Kelly said with a laugh. “But the restaurant is doing OK, so

one year down and I'm happy with that.

Everyone would like to make more money but you have to be happy with what you're doing too.”

Peter Kelly also asked the chefs about using social media to bring in customers. He noted that restaurants once relied solely on newspaper and magazine reviews for publicity, but today there are fewer publications and more restaurants than can be reviewed.

David DiBari, chef and owner of The Cookery and The Parlor restaurants in Dobbs Ferry, said the amount of information out there can be overwhelming, but social media allows restaurants a way to reach customers outside of traditional outlets.

"It gives people options," he said. "We like options, we like a bunch of information.

We make our own choices. We don’t get told

by The New York Times that this place is four stars; we decide for ourselves."

From a chef's perspective, DiBari described social media as another outlet for creativity.

"I’m creating things," he said. "It gives me the power to create a great dish, take that picture, put that filter on and make it look the way I want to look… I get that shot, I put

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it up, people come. It’s my hands and I have that control. I like that."

Hudson Valley Restaurant Week will run from Oct. 30 through Nov. 12 and feature more than 200 restaurants across Westchester, Rockland, Putnam, Orange, Sullivan, Dutchess and Ulster counties.

Participating restaurants will offer threecourse dinners for $32.95. The event is held every spring and fall.

The panel of restaurateurs also took questions from students and business owners in the crowd. One asked how to respond to negative reviews online, such as on Yelp or Trip Advisor.

Nusser said a negative review can reveal issues that need to be addressed. "The positives outweigh the negatives, you hope, if you're in business. But the negative, if they're valid, they should be addressed," he said.

DiBari added that it's good to reach out to an angry customer and apologize when possible. "Simply, 'We are really sorry, we're looking into that,'" he said.

"If you take a deep breath and look at it and assess what's going on," DiBari added, "you can learn a lot from it and fix the issue as well."

BY LAURENCE P. GOTTLIEB

Hudson Valley’s craft beverages: an industry in ferment

A

mericans spent nearly three times as much money on beer last year than they did on water. And while overall beer sales grew during that period at a rate of 1.9 percent, craft beer sales grew at a rate of 2.9 percent. In fact, regional craft breweries accounted for 73 percent of craft beer industry production volume last year.

If you’ve spent time sampling craft beverages in the Hudson Valley recently, the proof has been right in front of you, with local breweries, cideries, distilleries and wineries thriving all over the region. From longtime juggernaut Captain Lawrence to new breweries like 2-Way in Beacon, with every variety of product and company size in between, we are an economic powerhouse driving significant industry growth.

As craft beer trails begin to crisscross over longstanding wine trails, let’s remember that New York also boasts 385 wineries — fourth most in the nation. New York has also risen to become one of the top five states in the country for craft distilleries.

Thirty-six percent of all craft spirits are distilled in New York, California, Colorado, Texas or Washington.

Warwick Valley Winery & Distillery has even opened a tasting room hosting live music at the popular Woodbury Common Premium Outlets, an internationally renowned retail destination wellknown for the tastemaking and trendsetting brands it features and host to millions of tourists from around the world.

These are primarily independently owned operations that are not just basing their operations here, but hiring here and even sourcing their raw materials and other essential needs from local businesses. All things that the Hudson Valley Economic Development Corp. loves to see — and support.

When HVEDC recognized the potential for the craft beverage industry to boom in the region, we launched the Hudson Valley Food & Beverage Alliance to connect regional craft beverage companies with each other and a wide spectrum of resources including, financial guidance, distributors, marketing, management training and more. HVEDC also strongly lobbied for the Mid-Hudson Regional Economic Development Council to include craft beverage production as a focus in its original five-year strategic plan and ongoing strategy, as well as launched a major advertising, marketing and public relations campaign that effectively positioned the Hudson Valley as the craft beverage epicenter of New York. As a reflection of

this massive effort, HVEDC was honored last year with an Excellence Award for its efforts by the International Economic Development Council.

Yet, we never overlooked the entrepreneurs themselves. That’s why we started the Bet on My Business Academy two years ago, which is HVEDC’s executive education program for food and beverage entrepreneurs, combining intense classroom experiences with job shadowing to directly assist craft beverage producers with expanding their businesses. The program recently graduated its second promising group this year, and the ripple effect from this laser-like approach to education will pay benefits for years to come.

This year also marks our fifth annual Hudson Valley Beer, Wine, Spirits & Cider Summit. The event, coming up on Oct. 12, features a full schedule of educational panels and networking opportunities for craft beverage entrepreneurs. expected to draw hundreds of attendees, it will have a strong focus on providing craft beverage entrepreneurs with the tools needed to expand their businesses.

HVEDC prides itself on being able to connect regional entrepreneurs with influential and pioneering figures in their industries. This year, our keynote speaker is Tom Potter, co-founder and president of New York Distilling Co. in Brooklyn, one of America’s premier craft distilleries.

Potter also co-founded industry juggernaut Brooklyn Brewery in 1987.

The couple behind the rapidly growing national brand Carolla Drinks will also join us. Comedian Adam Carolla and wife Lynette will take part in a one-ontwo interview, sharing their strategies for launching and growing a signature brand using the latest in digital media combined with boots-on-the-ground resources.

These past five years have been a period of exciting growth for the craft beverage industry in the Hudson Valley.

Congratulations and thanks are in order for those craft beverage makers who have established and grown their brands here during this exciting period. HVEDC remains committed to supporting the industry and we hope to continue inspiring other local economic development groups and related organizations to join in and share their resources as well. It’s exactly the kind of growth to which I think we should all raise a glass.

Laurence P. Gottlieb is the president and CEO of Hudson Valley Economic Development Corp. in Goshen. He can be reached at lgottlieb@hvedc.com.

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OCTOBER 9, 2017

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BRIEFLY

TOPPING-OUT FOR WMC PATIENT PAVILION

Westchester Medical Center on Sept. 27 marked the topping-out of the $230 million ambulatory care pavilion under construction on its Valhalla campus.

The 280,000-square-foot building next to the hospital will feature an advanced imaging center, ambulatory surgery center and heart and vascular institute, along with a 20,000-square-foot expansion of private rooms for the medical center and 75,000 square feet of office space for doctors.

Officials with the medical center celebrated the milestone of what the hospital said is the largest hospital construction project in the county in 40 years. Construction is expected to be completed by 2018.

Michael D. Israel, president and CEO of Westchester Medical Center Health Network said they welcome the "significant progress that has been made to date on this one-ofa-kind-facility and look forward to the care, innovative technologies and possibilities for the future that will live within its walls.”

The project is financed through up to $340 million in tax-exempt, municipal bonds

from the county run Local Development Corp. The LDC, which makes tax-exempt financing available to nonprofits, amended its bylaws last year to allow the Westchester Medical Center project to qualify for the bond financing.

The new facility is expected to generate 180 full-time jobs when complete, in addition to 225 construction jobs, by Westchester Medical Center's estimates.

CARECONNECT ANNOUNCES SHUTDOWN STEPS

CareConnect will not write or renew individual policies in 2018 as part of its exit from the state's health insurance market.

The insurer, a subsidiary of Northwell Health, announced on Sept. 29 that it would not write or renew individual policies for calendar year 2018. CareConnect will also stop writing and renewing group policies as of Nov. 30.

In its announcement, the insurer said it would honor all existing health insurance policies through their remaining terms, including group policies that continue into 2018, and will stand behind all medically necessary claims for covered services incurred during that time.

Long Island-based Northwell Health announced in August that it would shut down CareConnect, which was the state's first provider-owned commercial health plan. The company's first plans launched in 2013, following implementation of the

Affordable Care Act. The insurer covered about 125,000 New Yorkers, but said a costly provision in the Affordable Care Act and policy uncertainty in Washington made its business model unsustainable.

Last week's announcement is part of a plan between the insurer and the state Department of Financial Services to wind down CareConnect's operations.

CareConnect customers seeking replacement coverage on the individual market can begin shopping in November through the New York State of Health marketplace for 2018 coverage. Small-business CareConnect customers can enroll through Nov. 15 on the state's Small Business Marketplace for coverage that begins on Dec. 1.

REGENERON’S DERMATITIS DRUG APPROVED IN EUROPE

Regeneron Pharmaceuticals Inc. and its French pharmaceutical partner Sanofi have received approval to market their antibody drug dupilumab in Europe for adults afflicted with the chronic rashes, debilitating itching and other symptoms of moderate to severe atopic dermatitis despite treatment with commonly prescribed skin creams and ointments.

Marketed under the brand name Dupixent, the drug in March was approved for the U.S. market by the Food and Drug Administration. Regeneron, headquartered on the Landmark at Eastview life sciences campus in Greenburgh and Mount

Pleasant, and Sanofi on Sept. 28 announced the European Commission’s authorization to market Dupixent in the European Union.

Made by combining a human antibody with part of an antibody cloned from the cell of a genetically modified mouse, dupilumab targets two key proteins considered to be major drivers of the underlying inflammation in atopic dermatitis and certain other allergic diseases, according to Regeneron and Sanofi. The drug comes in a pre-filled syringe and, after an initial loading dose, can be injected under the skin every other week by the patient.

Dr. George D. Yancopoulos, president and chief scientific officer of Regeneron, said Dupixent “represents the culmination of decades of our scientific research into the biology of allergic diseases such as moderate-to-severe atopic dermatitis.” He said the company continues “to evaluate the potential of dupilumab in the treatment of atopic dermatitis in children and adolescents as well as other allergic inflammatory diseases” driven by those identified proteins.

Dr. Elias Zerhouni, president of global research and development at Sanofi, said the European Commission’s approval "demonstrates our approach of bringing innovative new therapies to those living with the highest unmet medical need and represents an important milestone for people living with moderate-to-severe atopic dermatitis in Europe."

— Ryan Deffenbaugh, John Golden

Westchester’s Premier Printing, Binding & Mailing Facility

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TheMinesPress.com

TO CREATE THE POPCORN IN HERE, PIPCORN HAD TO GO OUT THERE. “With the Chase Mobile® app, we could get out of the office and bring our latest idea to life: creating popcorn using the heat of the sun in Death Valley. Not easy when you have a core business to run and expenses to take care of back in New York. Turns out, that’s exactly what the Chase Mobile® app allowed us to do—stay on top of our business finances while on the road. From there, all we had to do was get a desert-ready food truck, grab some solar cookers and create a snack to match the unforgettable place where it was born, Death Valley.” — —Jen Martin, co-owner of Pipcorn LEARN MORE AT CHASE.COM/BIZCHECKING

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B

Save the date

BRIEFLY

Can’t miss college event 2017

HOME TOWN MEDIA FILES FOR BANKRUPTCY

Mitchell WealthCare will be hosting its fourth annual college night for our next speaker series event.

Please join us for an informative discussion on all topics that concern your child and the college admissions process. Listen to advice on which tests to take, how best to prepare, when to begin the process, how to manage your child’s emotions, what colleges are looking for, and where to find the help for all of it. And needless to say, how to finance your child’s biggest decision.

Thursday, October 19 6:00 p.m.

Hosted by Mitchell WealthCare UBS Financial Services Inc. 709 Westchester Avenue, Suite 400 White Plains, NY 10604 914-287-6074 Location Shenorock Shore Club 475 Stuyvesant Avenue, Rye, NY 10580 Seating is limited.

RSVP Maggie Smith Senior Wealth Strategy Associate maggie.smith@ubs.com

Our panelists this year include: Lynn Carnegie Founder Carnegie Pollack Test Prep Approaching the SAT and ACT

Patrick Dwyer Director of College Counseling Greenwich Academy Building a strong resume, writing the college essay and seeking recommendations

Neal Schwartz President College Planning of Westchester Robert Madden A holistic approach to finding 529 College Savings Plan the right school for your child Consultant, Hartford Funds Implementing a college saving plan

ubs.com/team/themitchellgroup

This event is funded in part or full by Hartford Funds. Carnegie Pollack Test Prep, College Planning of Westchester, Greenwich Academy, Hartford Funds and UBS Financial Services Inc. are not affiliated. This presentation is for informational and educational purposes only and should not be relied upon as investment advice or the basis for making any investment decisions. The views and opinions expressed may not be those of UBS Financial Services Inc. UBS Financial Services Inc. does not verify and does not guarantee the accuracy or completeness of the information presented. As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business and that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. For more information visit our website at ubs.com/workingwithus All 529 Plan provisions, including plan minimums, fees, expenses, requirements, features and benefits vary by state. Before you invest in a Section 529 plan, request the plan’s official statement from your Financial Advisor and read it carefully. The official statement contains more complete information, including investment objectives, charges, expenses and risks of investing in the 529 plan, which you should consider carefully before investing. You should also consider whether your home state or your beneficiary’s home state officers any state tax or other benefits that are only available before you investments in such state’s 529 plan. Section 529 plans are not guaranteed by any state or federal agency. © UBS 2017. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC. EXC_0250_Mitchell

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Home Town Media Group, a chain of weekly newspapers aimed at affluent Westchester communities, has filed for Chapter 11 bankruptcy.

Publisher and CEO Howard Sturman listed assets of $178,680 and liabilities of $382,935 in a Sept. 15 petition.

He listed HTMG Inc. in Port Chester as the largest creditor with an unsecured claim of $290,995.

But the landlord, GHP Hamilton LLC of West Harrison is challenging the legality of the bankruptcy.

Home Town listed an $18,000 debt to GHP for rent of a 2,670-square-foot space at 170 Hamilton Ave. “This is a bad faith bankruptcy filing brought to avoid eviction proceedings,” the landlord’s attorney, Robert B. Weissman, wrote in a letter to bankruptcy Judge Robert D. Drain.

He said the tenant and landlord had agreed to an eviction proceeding in August, and the eviction was scheduled for Sept. 21.

But then Home Town asked White Plains City Court to vacate the order. Judge Eric Press denied the request and on Sept. 25 Home Town was put out of its offices.

Now the media company is asking bankruptcy court to reverse the city court action.

Home Town no longer has access to documents its needs to complete its bankruptcy petition, lawyer Richard A. Roberts said in a letter to Drain.

“My client needs immediate relief or there will not be enough of a business to reorganize.”

Weissman answered that Home Town has falsely claimed that it has an unexpired lease and a security deposit, and he depicted the need to get back in the offices to reorganize as a farce.

“As of its bankruptcy filing,” he said, “it had no lease with which to reorganize.”

Home Town includes five weekly print publications: The City Review of New Rochelle, The Eastchester Review, The Harrison Review, The Mamaroneck Review and The Rye City Review. They reach 40,000 affluent households, according to the company’s media kit.

ORANGE BANK BEGINS PRIVATE BANKING SERVICE

Orange Bank & Trust Co. has launched a private banking service that offers banking and wealth-management services to wealthy individuals and business owners.

The Middletown-based bank announced the service on Sept. 29. The bank's leadership said in a statement that the new private group would "leverage and connect" Orange Bank & Trust's four core businesses — deposits, loans, asset management and trust and estate services. The private group will provide "concierge-level service" to clients maintaining significant banking and wealth business with the bank.

“Our commitment is to offer exclusive, highly-personalized service clients can trust and rely on to help them manage all facets of their financial life," bank President and CEO Michael Gilfeather said. "Clients will enjoy one-on-one service for their banking and wealth needs, all from a private banking team that will include branch managers, lenders, trust officers and investment advisers.”

In August, Orange Bank & Trust opened a branch in Mount Vernon, its fourth in Westchester. The 125-year-old bank has 14 locations across Orange, Dutchess, Rockland and Westchester counties.

FORDHAM ADDS REAL ESTATE MASTER'S PROGRAM

Fordham University will offer a master's degree in real estate, with the first classes starting in January 2018.

The school will offer classes through its Fordham Real Estate Institute at Lincoln Center. Fordham is accepting applications now for the 36-credit graduate degree.

Taught by industry professionals, the master's program will offer classes at Fordham’s Lincoln Center or Westchester campuses, as well as online. Fordham said in its announcement that the program can be completed within a year.

The private university, which is based in the Bronx and includes a Westchester campus in Harrison, launched the Real Estate Institute at its center in Manhattan’s Lincoln Square neighborhood last spring.

The master's program adds on to the Real Estate Institute’s seven real estate certificate programs, which are offered through Fordham’s School of Professional and Continuing Studies.

Fordham will hold an information session on the master's program at 7 p.m. on Oct. 25 at its Westchester campus.

JUICE GENERATION OPENS IN THE WESTCHESTER

New York City-based juice bar Juice Generation has opened within Savor, the revitalized dining area of The Westchester mall in White Plains.

The juice bar offers health-conscious juices, smoothies, fruit bowls, salads and baked items. The 15-year-old company also uses locally grown, organic produce when available in an effort to support small farms and orchards.

“Many of our loyal customers live in

Westchester, so opening a location here was a no-brainer for us,” said the company’s founder, Eric Helms. “When we saw the renderings for (Savor), we knew immediately that it was right for our brand. The team at Simon has redefined the food court experience.”

The company’s store within The Westchester will have a smaller footprint compared with its 17 locations across New York City and Long Island.

“We are delighted to introduce our brand to new customers, while continuing to satisfy long time customers in this market,” Helms added.

At Savor, Juice Generation joins Tomato & Co., Mighty Quinn’s Barbeque, Whitman's and Bluestone Lane, all of which opened earlier this year.

Hai Street Kitchen, a Philadelphia-based Asian-fusion restaurant, and frozen yogurt store 16 Handles are expected to open in the coming weeks within Savor, which is part of a multimillion-dollar renovation begun last year by Simon Property Group, operator of the 890,000-square-foot mall.

CAREMOUNT ADDS PHYSICAL THERAPY

CareMount Medical opened a new physical therapy department at the multispecialty physician group's Jefferson Valley campus.

The practice at 3680 Hill Blvd. is the fourth physical therapy office for CareMount, headquartered in Mount Kisco.

Others are in Poughkeepsie, Hopewell Junction and Mount Kisco.

The orthopedic outpatient facility is staffed by physical therapists who work with CareMount’s orthopedic surgeons, neurosurgeons and pain management physicians. The center's services treat conditions including osteoarthritis, generalized weakness, balance disorders, sports injuries, pre-surgical and post-surgical rehabilitation, Parkinson's disease and multiple sclerosis.

“We are committed to healing patients who experience any form of physical pain due to an injury or illness,” said Dr. Scott D. Hayworth, president and CEO of CareMount Medical. “Working together, our physical therapists will also provide a detailed home therapy routine for ongoing care allowing patients to recover as quickly as possible.”

Founded in 1946 as Mount Kisco Medical Group, CareMount serves more than 550,000 patients in 43 locations throughout Westchester, Putnam, Dutchess, Columbia and Ulster counties.

JOB CUTS TIED TO STERLING-ASTORIA MERGER

The combined bank will operate under the Sterling Bancorp name, while its principal banking subsidiaries will operate under the name of Sterling National Bank. The new bank will have approximately $30 billion in assets, $20 billion in gross loans and over $19 billion in deposits. The combined institution will serve New York City, Westchester County, the Hudson Valley, Long Island and northern New Jersey.

Details on which departments will be affected by the layoffs were not disclosed by a Sterling spokesperson, who confirmed that the cuts were a direct result of the merger.

The layoffs are scheduled to take place on Dec. 29.

HELLER'S SHOES SELLS PLEASANTVILLE BUILDING

The real estate arm of Heller’s Shoes in Mount Kisco has sold the retailer’s vacant location in Pleasantville for $585,000, according to brokers at Admiral Real Estate Services in Bronxville.

In an all-cash deal, Lahel Realty Corp. sold the 3,500-square-foot building at 4 Pleasantville Road to Sammy Properties Inc., an 8-year-old company in New Rochelle owned by Marwan Abdullah. Heller’s Shoes consolidated the Pleasantville operation with its larger store at 92 S. Moger Ave. in Mount Kisco.

Brokers John Barrett and Joan Simon

of Admiral Real Estate Services represented the seller in the transaction. Rob Seitz of Stetson Real Estate in Mamaroneck represented the buyer.

Barrett said the property “was in need of significant investment due to deferred maintenance issues, which was reflected in the sales price. The location, however, is exceptional and allows for a variety of uses.”

CHOICE OF WESTCHESTER MOVES TO NEW SPACE

Choice of Westchester, an agency that assists consumers of mental health services, opened a new facility at 71 North Ave. in New Rochelle. The organization bought the property for $1.56 million in January, according to Westchester County property records, and plans to complete extensive renovations.

The organization will hold a grand opening ceremony on Oct. 18 at 5:30 p.m. that will include a tour of the new facility.

The ceremony will include city and local officials, along with Choice Executive Director Guy Fessenden and members of the organization’s boards of directors.

The nonprofit outreach and advocacy group was previously at 420 North Ave. in New Rochelle. The organization assists clients who need housing, Medicaid, food stamps, Social Security benefits and other assistance.

— Bill Heltzel, Ryan Deffenbaugh, Aleesia Forni, Kevin Zimmerman, John Golden

11TH ANNUAL

Not-for-Profit Educational Leadership Summit Developing a Growth Mindset

Tuesday, October 17, 2017

11:45am - 4:30pm Brae Burn Country Club, Harrison, NY Not-for-Profit Leaders- Join us for a day of learning, and hear from industry experts and consultants, including world renowned consultant Ralph Trombetta of Blue Ocean Strategy, a Meet the Funders panel, and an Event Industry Experts interactive workshop. For more information, please contact Hospitality Resource Group, Inc. 914.761.7111 or email Jenna@HRGinc.net.

Hosted by:

Presented by:

Sponsored by:

Three Yonkers workers and six Norwalk, Connecticut, employees are among the approximately 236 people being laid off by Sterling Bancorp following the completion of its merger with Astoria Financial Corp.

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PLANNING AHEAD

PRESENTED BY:

YOUR SOURCE FOR UPCOMING WESTCHESTER NOT-FOR-PROFIT EVENTS

YOUR BOOK OF MEMORIES OCT. CREATE BENEFITING: Wartburg

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Tell your story by creating pages for a mixedmedia collage book capturing your favorite memories.

TIME: 1 p.m. to 3 p.m.

LOCATION: Pelham Art Center, Pelham TICKET PRICE: Free CONTACT: Email afrey@wartburg.org

ANNUAL ENTERGY NOT-FOROCT. 11TH PROFIT EDUCATIONAL LEADERSHIP

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ANNUAL GAYLE K. LEE HEALTH OCT. 19TH AWARENESS LUNCHEON

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BENEFITING: Cancer Support Team Wendy S. Harpham, MD will be speaking about hope, healing and the promise of Healthy Survivorship. Insights and tips on using hope in healing ways, whatever the challenge, illnessrelated or not.

HONORING: Ruth Lowy Volunteer Award presented to Mary Lee Berridge TIME: 11:30 a.m. to 2 p.m.

LOCATION: Mamaroneck Beach & Yacht Club, Mamaroneck TICKET PRICE: $125; sponsorship opportunities available CONTACT: Email pportero@cancersupportteam. org

SUMMIT

Area not-for-profit community leaders will come together for a day of learning and networking with their peers. This year’s event theme is “Growth Mindset” for not-for-profit organizations.

TIME: 11:45am - 4:30pm LOCATION: Brae Burn Country Club, Harrison, NY TICKET PRICE: No fee; sponsorship opportunities are available CONTACT: Hospitality Resource Group at 761-7111 or email Jenna@HRGinc.net or visit www.hrginc. net/register/nfp-educational-leadership-summit/ to register

LEADERSHIP: 27TH OCT. THOUGHT ANNUAL BROTHERHOOD

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BENEFITING: Westchester Institute for Human Development (WIHD) Activities for all ages including a walk around the oval. Prizes, refreshments & entertainment for all!

TIME: 9 a.m. to 1 p.m.

LOCATION: Glen Island Harbor Club, New Rochelle TICKET PRICE: Free, donations are encouraged.

Sponsorship opportunities available CONTACT: Email developmentteam@wihd.org

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MATTER OF TASTE OCT. A BENEFITING: The Arc Westchester Foundation

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Signature cuisine prepared by the finest chefs in the area, accompanied by a wide assortment of quality wine and craft beer.

HONORING: The Landegger Family and Ric Swierat TIME: 6 to 9 p.m.

LOCATION: On the Oval/Cedarwood Hall/Valhalla TICKET PRICE: $200 per person; sponsorship and journal opportunities available CONTACT: Tricia at Hospitality Resource Group at 761-7111 or email Tricia@HRGinc.net or visit www. arcwestchester.org/amatteroftaste

A CHILD WELFARE SYMPOSIUM

BENEFITING: Fordham Westchester Hosted by St. Christopher’s, Inc. CEO, Dr. Robert Maher. Speakers: James Purcell (COFCCA), Sheila Poole (OCFS), Edward Placke (Green Chimneys), and Frank Spain (Graham Windham) TIME: 1 to 4 p.m.

LOCATION: Fordham Westchester, West Harrison TICKET PRICE: $75 per person; $55 for Students & Alumni CONTACT: Toby Tetenbaum at 367-3235 or email tetenbaum@fordham.edu

OCTOBER 9, 2017

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BENEFITING: African American Men of Westchester & Business Council of Westchester IMMIGRATION REFORM: Pros & Cons for Westchester’s Economy. A panel discussion including Peter Herrero, Maria Trusa, Jonathan Drapkin, and Richard St. Paul. Moderator: Eridania Camacho HONORING: Isabel Villar, Founder & Executive Director - El Centro Hispano TIME: 8 to 10 a.m.

LOCATION: Crowne Plaza, White Plains TICKET PRICE: $50 per person; sponsorship opportunities available CONTACT: Wiley Harrison at 761-7380 or Wiley@thebyb.com

TASTE OF WESTCHESTER NOV. A BENEFITING: Cerebral Palsy of Westchester

FUN FEST/CELEBRATING OCT. FALL ABILITIES

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BREAKFAST

PPHP’S EMPOWER GALA

BENEFITING: Planned Parenthood Hudson Peconic Join PPHP at its Empower Gala and defend access to care. The Keynote Speaker is Dr. Willie J. Parker, reproductive justice advocate who travels as an abortion provider in Alabama and Georgia.

TIME: 6:30 p.m. to 10:30 p.m.

LOCATION: Hilton Westchester, Rye Brook TICKET PRICE: $150 Young Professional, $250 Individual Ticket, sponsorship and journal opportunities available CONTACT: www.pphp.prg/empower2017

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Food and Wine Tasting Event that will feature over 25 of the area’s finest restaurants along with beer, wine, and dessert establishments.

TIME: 6:15 to 8:30 p.m.

LOCATION: Renaissance Westchester Hotel, Harrison TICKET PRICE: $75; after October 13th $125; sponsorship and journal opportunities available CONTACT: Email bridgette.pennelle@ cpwestchester.org

ARTSWESTCHESTER’S GALA 2017

BENEFITING: ArtsWestchester Can a bridge be a work of art? ArtsWestchester believes it can. Please join in celebrating the new Gov. Mario M. Cuomo Bridge and the men and women who have built it at Westchester’s most anticipated HONORING: Isabel Villar, Founder & Executive Director - El Centro Hispano TIME: 6 to 11 p.m.

LOCATION: The Ritz-Carlton, Westchester TICKET PRICE: $600+ per person CONTACT: Email dscates@artswestchester.org

REGINA HIGH SCHOOL OCT. MARIA DIAMOND ANNIVERSARY

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BENEFITING: Maria Regina High School This Diamond Anniversary Gala Benefit promises to be a stellar event that celebrates our history and honors the following people who have helped to keep our school thriving. Let us share old memories and create new memories together. Proceeds from this event will be used to expand and improve our sports field with the addition of a track.

HONORING: The Sisters of the Resurrection, Mr. Neil Clark and The Generoso Pope Foundation / Mr. David Pope TIME: 6:30 to 11:30 p.m.

LOCATION: VIP Country Club, New Rochelle TICKET PRICE: $350 per person; $150 for young Alumnae; sponsorship and journal opportunities available CONTACT: Jenna at Hospitality Resource Group at 761-7111 or email Jenna@HRGinc.net or visit www.

MariaRegina.org

SUBMIT YOUR EVENT Westchester not-for-profit organizations are invited to promote their special events in “Planning Ahead.” To submit an event, visit www.HRGinc.net and click on “Planning Ahead” or for more information, please call 761-7111.

Events are compiled in cooperation with Association for Development Officers Inc. www.adoonline.org

SPOTLIGHT ORGANIZATION:

GILCHRIST INSTITUTE

Gilchrist Institute, a nonprofit mind research and potential development institute, was founded in 1984.

During this time, we have discovered breakthroughs such as: The Laws of Potential – By utilizing biological sciences, religious doctrines and math of nature, the institute discovered irrefutable principles of defining potential.

Natural Thinking and Intelligence (NaTI) – Innate behavioral, thinking and achievement systems within the human psyche. There are three all-encompassing systems each of us possesses, which contain 13 interconnected intelligences.

Human Character Formula – a simple three-step formula for analysis of any type of issue, generating clarity and simplifing decision making. It employs the Laws of Potential.

The institute has developed an educational program, which is based on life skills developed from the Laws of Potential. The program goes into effect this year in a Westchester area college. This will be a model for higher education throughout the country.

Another area of potential achievement is sports development. Utilizing the Laws of Potential and the life-skills format, the institute assists professional and amateur athletes achieve higher degrees of potential. The program incorporates mind-science training for dealing with pressure, game strategies and self-discipline.

Robert J. Flower is the founder and director of the Gilchrist Institute. He has written nine books on natural intelligence and thinking, Laws of Potential and more.

Reviewers have deemed this work, “Mind Blowing!” [Dr. Flower] expertly weaves together the works of Plato, Aristotle, Locke, Newton and Einstein and science and mysticism. The teachings of Lao Tzu, Buddha and Christ blend and coalesce into a comprehensive pattern explainable by science, a pattern that can be used to turn one’s potential into a greater reality.” said Kate St. Amour, BookReview.com The Gilchrist Institute offers advisory and development programs, lectures, seminars and private sessions for a variety of formats, including creativity, organization, achievement, intelligence development, life purpose and mission, decision making and more.

PHOTO GALLERY: GILCHRIST INSTITUTE

Dr. Bob at Mercy College - Bronx_demo with Manali Bhagat 2016. Credit: Filomena Iolascon

Dr. Bob holding a Natural Intelligence Discussion Yonkers NY 2011. Credit: AF Photos

BOBBIE ANNE COX ESQ, Counsel to the Gilchrist Institute

OUR FAMILY OF COMPANIES

Hospitality Resource Group is your “Total Business Link” for all of your meeting and special event needs.

• www.HRGinc.net • 914-761-7111 • info@hrginc.net

Dr. Robert J. Flower

DR. ROBERT FLOWER, THE GILCHRIST INSTITUTE OF ACHIEVEMENT SCIENCES

34 Palmer Ave| Bronxville, NY (914) 779.6299 Email: admin@gilchristforum.com Web: www.drbobflower.com Facebook: https://www.facebook.com/drbobflower Twitter: https://twitter.com/drrflower Medium: https://medium.com/@robertjflower

WHY GIVE? “You know how people say sometimes we are too close to the trees that we can’t see the forest? Well, although I am a board member for the Gilchrist Institute, I never really got into the extent of their message. That is until I attended a talk by Dr. Bob Flower, director at the Yonkers Exchange Club. By the end of the talk, the group and I were astounded by the profoundness of the information that was disseminated.

Helping people pursue their dreams is one thing, but actually providing specific, practical and organized methods for achieving their potential is quite another matter.

This fine organization has taught me to look a little deeper inside myself and do some altering of priorities.”

Dr. Bob teaching at Mercy College - Dobbs Ferry 2016.

Credit: Filomena Iolascon

Dr. Bob with Gorton High School students Yonkers NY 2016. Credit: Filomena Iolascon

#potential #achievement #intelligence #development #enlightenment #drbob #gilchristInstitute #success #NaturalIntelligence #purpose #leadership #lawsofpotential #decisionmaking #organization #businessdevelopment

NONPROFIT WESTCHESTER: ENRICHMENT & ECONOMIC STIMULUS When you think of the arts, maybe you think of the glorious performances

by Yonkers Philharmonic, provocative gallery exhibits at ArtsWestchester or the stunning ceramics created by artists at Clay Art Center.

But did you realize that the arts make a major economic contribution?

Joanna Straub ArtsWestchester recentExecutive Director, Nonprofit ly organized the participaWestchester tion of 107 arts nonprofits in a study by Americans for

the Arts. The results? The arts generate $172.3 million in total economic activity.

How exactly do they do this? Three million people attended performances and exhibits in 2015, but they also went to dinner, hired babysitters and bought souvenirs.

So while the arts make Westchester a great place to live by providing enriching entertainment opportunities, they also support it financially. The whole package helps keep Westchester thriving.

For more information about Nonprofit Westchester, visit www.npwestchester.org and follow us on Facebook.com/npwestchester and Twitter @NPWestchester.

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ASK ANDI

BY ANDI GRAY

Afraid to lose clients We have a huge fear of losing clients. Sometimes it paralyzes us. We’re afraid to stand up to bullies. We don’t raise prices. We’re not clear which clients we really need. We’re unsure if complaints are well deserved or just noise. And we’re not making enough money. This is messed up and we need to fix it. Any suggestions?

THOUGHTS OF THE DAY: When building a business, it’s not just about growing revenue, it’s about growing profits. Review client acquisition and retention practices.

Build your list of ways to improve customer profitability and retain the best clients.

Profits come from profitable clients.

Focus most efforts on the best clients. When responding to squeaky wheels consciously decide whether or not that client is profitable enough to merit the effort.

Create a way to predict prospects’ profit performance. After you’ve gained a few

months of experience go back and test your predictions. Do an annual review of all clients to ensure they remain profitable.

Include the cost of selling, implementing and managing each client.

Take a look at sales over the past several years. How many clients were profitable right from the start? How many clients became profitable with a little bit of work?

How many clients deteriorated in value over time? What trends do you see and where do you need to focus effort to deal with those trends?

Here are 10 suggestions for improving customer profitability.

1. Figure out what work your company does that generates the greatest profit and focus on selling more of that.

2. Build a model that describes the attributes of your best clients; use it to help identify other high profit opportunities.

3. Assign two or more people to going after a list of high-quality targets.

4. Set a goal for the number of clients you can add each year without overly stressing the company.

5. Contact 10 times as many companies as you need to sell each year.

6. Give your best clients awards and publish

the results for all to see; make others want to join that group.

7. Make a list of the least profitable accounts and figure out what needs to change; approach those clients to suggest changes and decide if you keep them based on how well they respond.

8. Get rid of 5 percent of your least profitable volume each year. At the same time implement a plan to add and grow profitable accounts by 10 percent to 20 percent.

9. Raise prices annually, at least enough to keep ahead of GDP growth.

10.Let go of risky opportunities that have low probability of turning around.

And here are six suggestions for retaining the best clients.

1. Look for partnership opportunities with your best clients, things that will tie those clients more closely to your company.

2. At least once a year, tell each high-profit account how much you appreciate their business.

3. Find out where your best clients are going next and develop solutions that will help them get there.

4. Assign your best people to your best accounts.

5. Ask management to get to know their

counterparts personally, including the people in finance, operations, sales, marketing, human resources, research and other important positions.

6. Have a monthly meeting to review results and plans for top accounts, making those accounts the company’s priority.

When things go wrong and you lose a good client, don’t panic. Stuff happens in this world. Do a quick check on how much of the loss might stem from actions your company did or didn’t take and decide what changes to implement. Check to find out if you can get the client back. Then move on, knowing that turnover is a fact of life. Get even by making a concerted effort to get the next great client.

LOOKING FOR A GOOD BOOK? Try “Elite Business Mastery: Your Step-by-Step Insider’s Guide to Grow Your Business and Become Wildly Profitable with Clients You Love” by Kelly Fidel.

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WILMINGTON TRUST RENOWNED INSIGHT

“Shouldn’t you decide what will become of your business?”

Bruce F. Hoffmeister Director of Wealth and Fiduciary Planning Bruce has more than two decades of experience in estate and financial planning for closely held business owners and their families. He is part of a seasoned team of professionals who exemplify Wilmington Trust’s 114-year heritage of successfully advising business owners. Our goal is to help you create a plan for each stage of your business and your life, offering key insights at critical times of transition. For access to knowledgeable professionals like Bruce and the rest of our team, contact Sharon Klein at 212-415-0547.

Heads of successful family businesses are often reluctant to share control and involve other family members in the management process. But do you know what would happen to your business if you suddenly became incapacitated or worse, passed away?

Who would step in to manage day-to-day operations? And even if you have a successor in mind, is that successor ready and capable of stepping up and running the business?

Starting early. Ideally, succession planning should begin the day you take over a business. Of course, that isn’t always realistic given the amount of work running a business takes, but succession planning needs to be a top priority. Most importantly, you will need to decide if you want to keep the business in the family or eventually sell it.

Looking down the road. To make the important decisions, you have to think about how you envision your retirement.

You’ll need to determine if you want to be actively involved in the business in some capacity for the remainder of your life.

You should ask yourself if you want to be chairman of the board and collect the net

income. And you should know whether the business will generate sufficient cash flow to support you and your family in retirement.

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OF BUSI NESS OWNER S HAVE A SP ECI FI C SUCCESSI ON P LAN Source: “The Power of Planning” survey of business owners conducted by Wilmington Trust

Whether you decide to pass down the business to family or sell it outright, there are many planning considerations and strategies you can employ to make the transition a success. That’s where Wilmington Trust comes in. Founded by successful family business leader T. Coleman duPont more than a century ago, we have the heritage and experience to help guide you through every part of the process.

For more insight on the importance of business succession planning, download our latest research at wilmingtontrust.com/ businessowners.

F I D U C I A R Y S E R V I C E S | W E A L T H P L A N N I N G | I N V E S T M E N T M A N A G E M E N T | P R I V A T E B A N K I N G*

This article is for informational purposes only and is not intended as an offer or solicitation for the sale of any financial product or service. This article is not designed or intended to provide financial, tax, legal, accounting, or other professional advice since such advice always requires consideration of individual circumstances. If professional advice is needed, the services of your professional advisor should be sought. *Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services.

Investments: • Are NOT FDIC-Insured • Have NO Bank Guarantee • May Lose Value Wilmington Trust is a registered service mark. Wilmington Trust Corporation is a wholly owned subsidiary of M&T Bank Corporation. Wilmington Trust Company, operating in Delaware only, Wilmington Trust, N.A., M&T Bank, and certain other affiliates provide various fiduciary and non-fiduciary services, including trustee, custodial, agency, investment management, and other services. International corporate and institutional services are offered through Wilmington Trust Corporation’s international affiliates. Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank, member FDIC. ©2017 Wilmington Trust Corporation and its affiliates. All rights reserved.

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OCTOBER 9, 2017

21

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23

THE LIST: MARKETING DIRECTORS

WESTCHESTER WESTCHESTER COUNTY AND REGION

Marketing directors

Listed alphabetically.

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

American Cancer Society

2 Lyon Place, White Plains 10601 800-227-2345 • cancer.org

American Heart Association

301 Manchester Road, Poughkeepsie 12603 845-867-5370 • heart.org

CMO/Marketing director Title(s) Email address (when applicable) Year appointed

Sharon Byers Chief development and marketing officer sharon.byers@cancer.org 2015

Meighan Girgus Chief marketing and programs officer meighan.girgus@heart.org 2009

Balchem Corp.

Bradley Sorrell Director of marketing 2011

Bayer HealthCare Pharmaceuticals

Cynthia North Customer marketing director 2000

52 Sunrise Park Road, New Hampton 10958 845-326-5600 • balchem.com

555 White Plains Road, Tarrytown 10591 366-1800 • healthcare.bayer.com

Burke Rehabilitation Hospital

785 Mamaroneck Ave., White Plains 10605 597-2500 • burke.org

Citrin Cooperman

709 Westchester Ave., White Plains 10604 949-2990 • citrincooperman.com

Emelin Theatre

153 Library Lane, Mamaroneck 10543 698-0098 • emelin.org

Richard Sgaglio Senior administrator, marketing, communications and development 2010

Laura F. Kucera Principal, chief marketing officer 2015

Francesca Carter Marketing director francesca.carter@emelin.org 2015

ENT & Allergy Associates LLP

Richard Effman Director of marketing 2007

Heineken USA

Nuno Teles Chief marketing officer 2014

75 S. Broadway, Suite 300, White Plains 10601 949-3888 • entandallergy.com

360 Hamilton Ave., Suite 1103, White Plains 10601 681-4100 • heinekenusa.com

Houlihan Lawrence

800 Westchester Ave., Suite N-505, Rye Brook 10573 967-7680 • houlihanlawrence.com

IntegraMed Fertility

2 Manhattanville Road, Purchase 10577 253-8000 • integramed.com

International Business Machines Corp.

1 New Orchard Road, Armonk 10504 499-1900 • ibm.com

Mack-Cali Realty Corp.

100 Clearbrook Road, Elmsford 10523 592-4800 • mack-cali.com

March of Dimes

1275 Mamaroneck Ave., White Plains 10605 997-4488 • marchofdimes.org

Gay Prizio Director of marketing and sales, project marketing NA

Jill Hamilton Director of marketing, customer experience jill.hamilton@Integramed.com 2015

Jon C. Iwata Senior vice president, marketing and communications 2008

Ilene Jablonski Senior vice president of marketing at Roseland Residential Trust, a Mack-Cali Company 2011

Chris Maddocks Senior vice president, marketing and communications 2016

MasterCard Inc.

Raja Rajamannar Chief marketing and communications officer 2013

Memorial Sloan Kettering Westchester

Avice Meehan Senior vice president, chief communications officer 2013

2000 Purchase St., Purchase 10577 249-2000 • mastercard.com

500 Westchester Ave., West Harrison 10604 367-7000 • mskcc.org

This list is a sampling of chief marketing officers from a selection of companies located in the region. If you would like to include your CMO in our next list, please contact Danielle Renda at @drenda@westfairinc.com.

Note: * NA

24

OCTOBER 9, 2017

Addresses above contain regional locations, not necessarily company headquarters.

Montefiore Health System is headquartered in the Bronx, but operates four facilities in Westchester County.

Not available.

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

CMO/Marketing director Title(s) Email address (when applicable) Year appointed

Montefiore Health System *

Loreen Babcock Vice president and chief marketing officer 2015

NetJets Inc.

Patrick Gallagher Executive vice president, sales and marketing 2015

111 E. 210 St., Bronx 10467 718-920-4321 • montefiore.org

38 Loop Road, White Plains 10610 877-356-5823 • netjets.com

New York Life Insurance Co.

1 Rockwood Road, Sleepy Hollow 10591 366-4940 • newyorklife.com

NewYork-Presbyterian/ Hudson Valley Hospital

1980 Crompond Road, Cortlandt 10567 737-9000 • hvhc.org

Northern Westchester Hospital

400 E. Main St., Mount Kisco 10549 666-1200 • nwhc.net

Pace University

1 Martine Ave., White Plains 10606 422-4000 • pace.edu

PepsiCo Inc.

700 Anderson Hill Road, Purchase 10577 253-2000 • pepsico.com

Phelps Memorial Hospital Center 701 N. Broadway, Sleepy Hollow 10591 366-3000 • phelpshospital.org

Somnia Anesthesia

10 Commerce Drive, New Rochelle 10801 365-6119 • somniaanesthesiaservices.com

Sotheby's International Realty Affiliates LLC

38 Main St., Tarrytown 10591 332-7070 • sothebysrealty.com

St. John's Riverside Hospital

967 N. Broadway, Yonkers 10701 964-4444 • riversidehealth.org

Kelli Parsons Senior vice president and chief communications and marketing officer 2014

Ellen Bloom Director of marketing and development 2015

Gretchen Mullin Director, marketing and public affairs gmullin@ nwhc.net 2011

Frederica Wald Vice president and chief marketing officer fwald@pace.edu 2012

Greg Lyons Chief marketing officer 2017

Mary Sernatinger Director of marketing and communications msernatinger@northwell.edu 2016

Laura Herrera Vice president, marketing 2008

Kevin Thompson Chief marketing officer 2017

Denise Weizner Mananas Director of marketing, public relations and development 1992

Reckson

Janet Delpozzo Marketing and communications director, SLGreen Realty Corp.

1996

Regeneron Pharmaceuticals Inc.

Myron Hebert Senior director, marketing 2016

(A division of SLGreen) 360 Hamilton Ave., White Plains 10601 750-7200 • regeneron.com

777 Old Saw Mill River Road, Tarrytown 10591 847-7000 • regeneron.com

The Ritz-Carlton New York, Westchester

3 Renaissance Square, White Plains 10601 946-5500 • ritzcarlton.com/Westchester

Universal American Corp.

44 S. Broadway, White Plains 10601 934-0700 • universalamerican.com

Westchester Medical Center

100 Woods Road, Valhalla 10595 493-6813 • westchestermedicalcenter.com

White Plains Hospital

41 E. Post Road, White Plains 10601 681-0600 • wphospital.org

Maureen Stella Director of sales and marketing 2016

Sarah Bell Vice president, marketing 2008

Andy LaGuardia Director of Communications andrew.laguardia@wmchealth.org NA

Dawn French Vice president, community relations and marketing 2010

COUNTY

S

SPECIAL REPORT

Guitars, paint and robotic cats: Eldercare looks to new therapy methods

BY ALEESIA FORNI aforni@westfariinc.com

I

n her room at United Hebrew in New Rochelle, the assisted living facility’s memory care Nightingale Neighborhood, Matilda Fichtenholz likes to sit with the cat on her lap.

She enjoys petting it softly, scratching behind its ears and reminding the cat that he’s a good boy.

Though he may meow periodically, and though his chest rises and falls to simulate breathing, the object of her affection is not actually a cat. Instead, it is a robot designed to serve as a companion for the 98-year-old resident.

“She named him Spookums, which is the name of a cat she had when she was 40 years old,” said Helene Griffin, Fichtenholz’s daughter. “She has always adored cats, so this really hit the sweet spot for her.”

“Spookums” is one of 15 robots used

by United Hebrew in New Rochelle to offer companionship to elderly residents of the senior living facility.

“Our residents put them on their lap, they kiss them, they talk to them,” said Jerome Bagaporo, chief nursing officer at United Hebrew. “One of our residents wants her cat to lay on the side table when she’s sleeping.“ Griffin said the cat has had a transformative effect on her mother, who, like many dementia patients, is easily agitated and suffers from anxiety.

“This cat just has an incredibly calming effect and is totally comforting to her,” she said. “It changed her focus from her suffering, her misery, her asking ‘Why am I here?’ to talking about this cat all the time.”

Created by toy company Hasbro, these robotic cats can also give elderly residents a sense of purpose by having something tangible to take care of.

“That’s a great feeling for someone who may feel a loss of control and confusion as their disease progresses,” said Rita Mabli, president and CEO of United Hebrew. “The cats are amazingly life like and some of our residents with dementia believe they are real, and that’s okay. They nurture and care for their cats and have fun with them.”

While the facility uses living, breathing pets as a therapy method to calm the agitation that often accompanies Alzheimer’s and dementia, the robotic animals are able to serve as a constant companion, no matter the hour.

United Hebrew resident Matilda Fichtenholz holds her robotic cat and is joined by her niece, Renee Braunstein, and daughter, Helene Griffin.

“(Living pets) are not something that are accessible or ready at anytime, especially in the evenings, when signs and symptoms of dementia are more prevalent,” Bagaporo said. “These cats are readily available and they give them a new sense of purpose, which makes them more engaged.”

The robotic animals also serve as a way to open up the lines of communication between patients and their loved ones.

“It actually gives the family a new touchpoint, so they can engage in conversations,” he said. “They can start conversations about what the cat is doing.”

For Griffin, the new means of communication with her mother has been life changing.

“We were able to talk about the cat,” Griffin said, adding that sometimes her mother would tell her the cat had run away earlier but ultimately returned, or that he was being an especially good boy that day.

“It was just a way for us to talk.”

Griffin said that many of the stories her mother shared were memories of her own life and her history as a longtime cat owner.

“This wasn’t a surprise that she would relate to the cat, but it was a surprise how much it sort of changed her from being sort of cranky and anxious to just focused on talking about this cat,” she said.

United Hebrew’s robotic cat program is just one of many of its complementary care practices, which range from robotic babies to art and dance therapy programs.

“Nonpharmacological methods are often as effective or more effective than drug therapies, which may have adverse effects, depending on the individual's other

medical conditions,” Mabli said. “Research supports our experience at United Hebrew, which is that addressing lifestyle factors such as physical activity, social interactions and diet, can have a powerful effect on many of the chronic conditions we experience as we age.”

These methods are increasingly gaining popularity in the eldercare space and are frequently seen as a complement, or even an alternative, to pharmacological treatments.

As at United Hebrew, dance therapy is used as a way to engage residents with Alzheimer's or dementia at the Wartburg, the Mount Vernon provider of senior care services. Gardening groups help forge a sense of purpose for residents of The Westchester Center for Independent and Assisted Living in Yonkers. Other commonly used practices range from meditation and yoga to aromatherapy.

Care providers say these nonpharmacological services are especially important for the ailments that can’t be relieved by prescriptions or medication.

“The emotional pain and spiritual needs, we can’t always address those with pills or other therapies,” said Carol Townsend-Ross, director of clinical services at Hospice of Westchester.

Through its Anna and Louis Shereff Caregiver and Complementary Care Program, Hospice of Westchester provides therapies, including massage, Reiki, reflexology, pet therapy and even a doula at no cost to patients. The program also offers art therapy, which allows patients and their families to use watercolors or acrylic paints

to help express their feelings.

“If a patient has upper torso strength and they want to draw with pastels, we will do that too,” Townsend-Ross said. “It’s a nice diversion.”

The White Plains-based nonprofit recently teamed up with the Music Conservatory of Westchester to provide music therapy services to its end-of-life patients.

“We find music is very effective in relieving physical and emotional and spiritual needs,” Townsend-Ross said. “What happens is the music tends to reduce feelings of isolation, fear and loneliness and it gives the patient a different focus for the amount of time the music therapist is there.”

Similar to the robotic cat program at United Hebrew, music therapy can also open up the lines of communication between patients, their families and caregivers.

“Music, being universal, will help them identify things in the past where they had maybe a feeling of happiness,” she said. “That can help our interdisciplinary team open up that door to talk about their end of life journey.”

Techniques used in music therapy sessions vary depending on each patient’s needs, preferences and goals, said Julie Sherwood, a faculty member of Music Conservatory of Westchester, and a licensed creative arts therapist and board-certified music therapist.

“Active interventions may include a patient playing instruments or singing with the therapist,” she said. “This might include familiar patient-selected songs or patients might create their own music, either with or without lyrics.”

Talking about the lyrics or themes in the music can also serve as an opening for discussion of deeper feelings or concerns, Sherwood said. “It is also common to use music to engage in life review, where songs are used to help patients reconnect with memories of meaningful events and important relationships.”

Other sessions can involve the therapist using music to help an elderly patient relax.

“Rhythm can be used in specific ways to help regulate labored breathing and facilitate increased comfort and relaxation,” Sherwood said.

These music therapy sessions aren’t just for hospice patients, she said.

“Often, family members enjoy participating in music therapy sessions. “This gives them an opportunity to share a relaxing and uplifting experience with their loved one and promotes a deeper sense of connection.”

WCBJ

OCTOBER 9, 2017

25

If you , olled R n ‘ k c o R y for d a e r e r ’ you ork.

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OCTOBER 9, 2017

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BY CHRISTINE TENORE

Y

Talking finances with aging parents

ou may have noticed certain issues with your parents lately, perhaps a fall or a minor injury that has age-related written all over it, or even some issues with short- term memory.

You and certainly your parents find it difficult to discuss, but it may be time to have a family heart-to-heart talk about the future, their care and their finances. It is typically easier for a third party to guide and moderate the discussion, someone experienced in helping families address financial and legal concerns as well as personal care and housing options in a holistic manner for all involved.

If it is difficult to broach this subject. don't feel alone: a survey by the National Endowment for Financial Education found that 70 percent of adults who responded have difficulty talking about who will make financial decisions for elderly family members if or when they no longer can make those decisions on their own. The range of money problems among aging adults varies from something as simple as forgetting to pay an occasional bill to being completely incapable of making any financial decisions because of dementia or Alzheimer's.

While it is generally a good rule to include immediate family members, there also may be cases where children-in-law, siblings or close friends can participate.

Unquestionably these meetings can cause significant stress for all involved.

On the parents' side, they may be worried about losing their independence or admitting any weakness. On their adult children's side, it may be difficult to question their parents' ability to do what they've been doing for most of their lives or to accept evidence of their aging. And, of course, there often are financial issues related to

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inheritance, issues that can easily result in confrontation.

In addition to simply convening the family meeting, there are questions as to who should be involved. It may be helpful to approach your parents first and ask their preference for which family member or members should take the lead in helping.

There are dynamics in each family, good and sometimes not so good, that determine how we relate to each other and what part in the discussion each will take. The opinions of the older children may have more weight than younger siblings in some cases, or there may be one person who already has expertise in financial matters that will serve as a guide for discussions and decision making.

While it is generally a good rule to include immediate family members, there also may be cases where children-in-law, siblings or close friends can participate. The meeting facilitator must decide what works best within the individual family framework, and even if nonfamily members such as caregivers should be included.

Many find that an elder law attorney skilled in facilitating family meetings can help meet your and your parents’ goals. The

attorney you select should provide accurate legal and financial advice under the myriad regulations governing long- term care and to liaison your family with the resources needed for care and placement.

Many families, particularly those new to issues related to aging parents, find they need someone able to gently, smoothly guide everyone with necessary information and assist with creation of needed documentation — all while facilitating meetings with an emphasis on the mutual goals of all parties.

While the actual planning of the meeting initially may seem overwhelming, the end goal is to ensure that the aging family member's care and finances will be handled in the most appropriate manner for both short-term and long-term stability. There is no formulaic solution. Each individual and each family has unique personal needs, health care objectives, life care options and financial issues. All must be addressed together as all are intertwined.

Attorney Christine Tenore is a partner in the Law Of�ices of Eliovson & Tenore in Fair�ield, a �irm specializing in elder law.

She can be reached at 203-336-2566 or ct@connecticutelderlaw.com.

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WCBJ

OCTOBER 9, 2017

27

BY RITA MABLI

R

Why we should treat loneliness in seniors as a chronic disease

emember how easy it was to make friends when you were younger? There were endless opportunities to develop new relationships: high school clubs, college dorms, new jobs, neighborhood groups and professional associations.

But as we age, social networks shrink. There are fewer opportunities to connect.

Now there’s new cause for concern over social isolation in older adults. Numerous studies show loneliness is linked to negative physical and mental health effects such as a greater risk of cardiovascular disease, dementia, depression and increased

risks of hospital readmission and falls. And new research presented at the American Psychological Association’s annual convention this summer shows that loneliness, social isolation and living alone increases our risk of premature death at a rate similar to smoking or obesity. The bottom line is that loneliness is hazardous to your health and it has big implications for Westchester’s aging population.

A GROWING EPIDEMIC

How serious is it? In an age when we are more technologically connected than ever, rates of loneliness are actually on

the rise. More than 44 million adults age 45 and older experience chronic loneliness, according to AARP research. It most often affects people in old age, beginning at about age 80. The deaths of spouses and friends, mobility issues, hearing loss, lack of transportation and lack of opportunities for social interactions are contributing factors. For older women, loneliness may be particularly acute; almost half of women older than 75 live alone, federal data show. Living alone doesn’t always equal loneliness, but it increases the risk of social isolation.

As health care providers, as business

The Visiting Nurse Association

of Hudson Valley family of organizations - providing home health services since 1898.

owners and as responsible citizens, we must address loneliness as we would any other chronic condition or disease. At United Hebrew of New Rochelle, we take great care to identify those at risk for loneliness and connect them to resources to help. But there’s much we can do as a community.

SCREEN FOR LONELINESS

The AARP has launched a campaign called Connect2Affect, to spread awareness of the connection between loneliness and health, and it offers an online self-assessment for individuals to measure how socially isolated they are. It’s a helpful tool and one that may serve as an example for health care providers. For example, our clinicians and staff routinely ask questions about social connections of our residents in our nursing home, assisted living and independent housing facilities. In addition, our home health staff engages their patients around this issue. Loneliness can be measured like a vital sign, and if health care providers are routinely assessing seniors’ risk factors for loneliness and social isolation, they can recommend appropriate interventions when necessary.

CREATE OPPORTUNITIES

VNAHV delivers the best quality professional in-home nursing and rehabilitative services to residents of Westchester and Putnam Counties.

Our carefully screened and New York State-licensed aides offer a wide range of services to help you maintain your independence.

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/

VNAHV.org

Corporate Address: 540 White Plains Road, Ste. 300 Tarrytown, NY 10591

28

OCTOBER 9, 2017

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Our family-centered approach allows you to focus on what matters most - quality of life and time spent with your loved ones.

Putnam Address: 20 Milltown Road, Ste. 101 Brewster, NY 10509

The good news about loneliness is that it is transient, not permanent.

Researchers say increasing social connections can reduce the risk of early death from loneliness and improve the health and well-being of all seniors. One benefit of residing in a senior living community is that residents are offered an array of activities and clubs to suit a variety of interests, such as gourmet cooking, art, dance, fitness, dining out, current events, bridge, history and more. It seems to work for us; the population of seniors living past the age of 100 on our campus has grown so large we have launched a Centenarians Society.

Seniors in Westchester are also fortunate to have the services of the county’s Department of Senior Programs, whose website includes links to senior centers throughout the county, plus a calendar of countywide events of interest to seniors.

Local centers such as the Hugh Doyle Senior Center in New Rochelle host classes and clubs in computer skills, arts, exercise and more. There’s even a vacation club, with day and overnight trips to suit a variety of tastes.

fall can lead to disabling injuries and cause someone to be homebound. Seniors can stay agile and fit with exercise tailored to every fitness level, from yoga and walking to Zumba and dance.

Social isolation is an issue that’s receiving more and more attention. By talking about loneliness with our patients, our employees, our aging parents and our families, we can raise awareness of the connection between loneliness and good health. In addition, we can take steps to shore up our own social connections as we age, to develop and maintain meaningful social relationships. When we do that, we also shore up our foundation for a strong community and greater health and well-being for all of us.

Rita Mabli is president and CEO of United Hebrew of New Rochelle, a multiservice campus of comprehensive care in that Sound Shore city. She can be reached at 914-632-2804 or rmabli@uhgc.org.

We should work together to ensure our aging parents, patients, neighbors and friends know about communities and organizations that support efforts to socially engage seniors.

CREATE TARGETED CONNECTIONS

It may not be enough to make activities universally available. Because of the stigma often associated with loneliness, seniors may not readily seek outside help. Additionally, seniors may not be socially isolated but they still may feel lonely. We have over 600 seniors living in close proximity to one another on our campus and one of our strategies to proactively connect them to our community is our “buddy” program, which establishes a mentor-like relationship to support individuals in learning about the many enriching programs we offer.

These relationships are focused on connecting residents to groups and opportunities within our community. We, like many other senior care organizations in Westchester, also offer opportunities for individuals in the greater community to “adopt” one of our residents and provide companionship.

VOLUNTEER

A most effective intervention to combat loneliness is one that shifts lonely people’s attention and concern away from themselves and toward the greater good.

When they create something for someone else, they will feel good about making a positive contribution. United Hebrew’s Community Service Club regularly engages our residents, including those with dementia, in service projects that benefit local organizations. Often, representatives from those organizations let our seniors know who the beneficiaries are, thus extending the community connection further.

For adult children with aging parents, volunteering together is an excellent way to connect with each other and the community. For individuals with time to volunteer, consider visiting an elderly person on a regular basis. Join a weekly card game at a senior center. Find out about the myriad opportunities to engage with older adults through Volunteer New York!

Teach an elderly person how to use Skype or FaceTime and help them stay in touch with distant family members.

GET MOVING

We must connect our seniors to opportunities to get fit. Besides the obvious benefits of exercise on health, fitness programs offer another opportunity for social connections. Staying healthy and active also increases one’s strength, which contributes to mobility. Fall prevention turns out to be isolation prevention, because a

• Asset Protection • Elder Law • Medicaid Applications (Nursing Home/Home Care) • Guardianships (Contested/Non-Contested) • Wills, Trusts & Estates NEW YORK’S ELDER LAW TEAM

Contact:

ANTHONY J. ENEA, ESQ., MEMBER

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OFFICES: WHITE PLAINS AND SOMERS, N.Y. • 914.948.1500 • WWW.ESSLAWFIRM.COM

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BY ANTHONY J. ENEA

A

Protecting your loved ones and friends from elder abuse

ll too often the roots of elder abuse are to be found in a senior being dependent either emotionally or physically on the alleged abuser. Whether it is a home care attendant, the handyman, a child or loved one, there is very often an existing relationship of one kind or another with the alleged abuser.

In my observation, one of the most common reasons why seniors are victimized is the fact that many seniors do not have regular and consistent contact with loved ones.

Because we no longer have nuclear families, it is not unusual for parents and children to live hundreds, if not thousands of miles apart — thus giving rise to the opportunity for someone to take advantage of a senior. When I inquire of a complaining child or family member as to how often they see their parent, grandparent or loved one; the answer most often is “a handful of times per year.”

Consistent contact with the senior, including regular phone calls and visits, is of utmost importance. Having a close enough

relationship to be able to identify changes in their behavior and cognitive abilities is critical to being able to identify both the potential for abuse and the commission thereof.

For example, one would not know that a home care aid or service provider to the senior is committing financial abuse if there are lengthy lapses of time between visits or calls with the senior.

If a senior has been diagnosed with dementia or the loved one has observed cognitive decline in the senior, it is advisable for the loved one to be in a position to monitor the bank and financial activities of the senior.

This can be accomplished with the senior agreeing to this, or if the senior has approved the loved one as his or her agent under a durable power of attorney or, as the final option, by becoming the court-appointed legal guardian, thus placing the loved one in the position to handle the senior’s financial affairs.

It is also not unusual for family members to be in denial about the signs of cognitive decline by attributing the loss of memory and mental acuity to being common to old

age. However, these signals shouldn’t be trivialized and in fact should be the impetus for taking affirmative action to ensure that the senior is being properly taken care of, both physically and emotionally, and is not left vulnerable to abuse.

Another common occurrence is that a family member will often ignore the signs of potential financial abuse. For example, the child learns that the parent has made a gift to his or her paid caretaker, but the parent provides many reasons to justify the making of the gift. If a child or loved one learns of this, he or she should immediately advise the caretaker’s employer that this occurred and monitor this as a potential problem.

All too often the circumstantial evidence and signs of financial, physical and emotional abuse are readily apparent, but ignored by the senior’s friends and family.

If one becomes concerned that the senior is being abused there are a number of steps one can immediately take.

Confront both the senior and abuser about the alleged abuse.

Contact the senior’s loved ones and friends about the abuse.

Contact Adult Protective Services.

Contact your local district attorney’s office.

Contact an attorney who is experienced in guardianship proceedings and review the option of commencing a guardianship proceeding for the senior.

When financial abuse is present, it is possible to obtain a temporary restraining order as part of a guardianship proceeding to freeze the accounts of the senior to prevent the alleged abuser from having ongoing access to the funds.

Elder abuse is a growing problem.

As people are living longer, their frailties become ripe targets for those seeking to take advantage of them.

Attorney Anthony J. Enea is the managing member of Enea, Scanlan & Sirignano LLP, with of�ices in White Plains and Somers. He is a past chair of the New York State Bar Association’s Elder Law Section.

He can be reached at 914-948-1500 or A.Enea@esslaw�irm.com.

WE PRESERVE FEISTY, INDEPENDENT, AND OUTSPOKEN PERSONALITIES LONGER. We all have a story that makes us who we are.

At United Hebrew of New Rochelle, we focus on what keeps you well and what makes you happy. With a variety of activities and renowned medical care, we will care for you like family.

You can count on United Hebrew’s top-ranked beautiful campus of comprehensive care, where residents lead meaningful lives and age in place safely. Take a tour today.

A Campus of Comprehensive Care Skilled Nursing and Rehabilitation | Willow Towers Assisted Living Willow Gardens Memory Care | AZOR Licensed Home Care Meadow Lane and Soundview Senior Apartments

www.uhgc.org 914-632-2804

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OCTOBER 9, 2017

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Senior housing planned for Rye Brook office building campus

BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

I

n the latest proposal to convert Westchester County’s underutilized office space to other uses, a developer has filed plans to demolish a mostly vacant office building at 900 King St. in Rye Brook and build a 269-unit senior housing campus with age-restricted townhouses and apartments and an assisted living facility.

The proposal comes from the building’s owner, Rye King Associates LLC. The company is an investment partnership led by Manhattan-based commercial real estate firm George Comfort & Sons Inc. The 215,000-square-foot, three-story building lists the administrative offices of Greenwich Hospital as its sole tenant.

The proposal, filed in late July, calls for tearing down the building and putting in its place a senior housing campus that would include a four-story structure with 160 twobedroom apartments at the center of the site, 24 two- and three-bedroom townhouse units on the campus’ western end and about 85 units in a four-story assisted living and memory care facility on the northeast portion of the campus. The townhouse units and the apartments would require at least one resident to be age 55 or older.

Built in 1981 on a 17.3-acre site, the building was initially utilized by IBM before it was left mostly vacant through the 1990s. Toward the end of the decade, Dr Pepper Snapple Group, formerly Cadbury Schweppes Americas Beverages, leased space and occupied the majority of the facility before leaving in 2004.

Since Snapple’s departure, the building has remained mostly vacant. In 2014, about 132,000 square feet of the building was vacant, according to the village’s master plan.

At a village planning board meeting in August, project attorney Anthony Veneziano, of Veneziano & Associates in Armonk, said the project represented a chance to “reposition a somewhat dormant, struggling office building over 200,000 square feet ... into something that fits in with your comprehensive plan, the general development themes going on in adjacent municipalities and provides municipal taxes for you and hopefully with minimal impact.”

The developer has requested the village to consider amendments to the site’s zoning that would allow for additional density and building height, as well as lower the target age of residents for the senior living facilities from 62 to 55 and older.

The village board is lead agency on the project’s review, but has referred the proposal to its planning board for a recommendation. At the August hearing, planning board

The 215,000-square-foot, three-story office building at 900 King Street. Photo by Ryan Deffenbaugh

members expressed concern with the height and density of the project, but adjourned further review until an October meeting.

Peter S. Duncan, president and CEO of George Comfort & Sons, declined to com-

ment on the proposal through a company spokesperson.

The project in Rye Brook marks the second proposal in the county for a George Comfort & Sons property that involves building senior housing. In White Plains, the company is leading a group of investors that has proposed converting the former Good Counsel campus on North Broadway into a mixed use neighborhood and 125-bed assisted living facility, a 400-unit apartment building and a 66-unit student housing structure. The White Plains Common Council is still reviewing the project.

While primarily investing in and managing Manhattan office buildings, George Comfort & Sons also owns and operates The Centre at Purchase, a 676,000-squarefoot office park on Manhattanville Road, in a joint venture with O’Connor Capital

Partners. In Stamford, the company owns the 573,000-square-foot High Point Park and Shippan Landing, a 780,000-square-foot office complex formerly called Harbor Plaza.

The project would mark the latest in a series of office conversions in the county.

Last year, Alfred Weissman Real Estate LLC began site work on a project that would demolish a mostly vacant 75,000-squarefoot office building in Rye to build 135 age-restricted apartments for people 55 and older. In Harrison, several former office buildings along the Platinum Mile have been torn down or are scheduled to be demolished for new uses, including recently a total of five buildings along Corporate Park Drive for separate projects that will create 421 new apartments by Toll Brothers and a 125,000-square-foot Wegmans grocery store.

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Today was another milestone for Patty and our team of cancer experts.

Over twelve years cancer-free. Patty Ferris and Dr. Green, her oncologist, have been through a lot together. From Patty’s diagnosis of breast cancer to her mastectomy, chemo, and many, many follow-up visits. At the White Plains Hospital Center for Cancer Care, every patient’s battle with cancer is our battle, too. And our partnership with Montefiore Health System gives our patients access to breakthrough clinical trials right here in White Plains. It’s this commitment to delivering exceptional care every day that has kept Patty cancer-free for all these years.

Watch her story at exceptionaleveryday.org/survivor

A M E M B E R O F T H E M O N T E F I O R E H E A LT H S Y S T E M

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FACTS & FIGURES BANKRUPTCIES MANHATTAN RNH Realty Corp. 435 E. 79 St., New York 10075. Chapter 11, voluntary. Represented by Stephen A. Grossman.

Filed: Oct. 2. Case no. 17-12764-mew.

Shomara Inc. 227 E. 116 St., Ground floor, New York 10029. Chapter 11, voluntary. Represented by Shomara Inc. Filed: Sept. 29. Case no. 17-12747-jlg.

WHITE PLAINS West 16th Street Owner LLC. 125 W. 16 St., New York 10011. Chapter 11, voluntary. Represented by Arnold Mitchell Greene and Serene K. Nakano. Filed: Oct. 25. Case no. 17-23496rdd.

COURT CASES Archie Comic Publications Inc. Filed by Kappa Printing Group LLC. Action: diversity-other contract. Attorneys: Richard Haggerty and Clay J. Pierce. Filed: Oct. 3. Case no. 7:17-cv07511-VB. Board of Managers of the Vireum Schoolhouse Condominium. Filed

by Scott Michael Moore. Action: discrimination re: property rights (housing). Attorney: Scott Michael Moore.

Filed: Sept. 28. Case no. 7:17-cv-07385NSR. CampGroup LLC. Filed by Karen Rozencwaig and Bryan Rozencwaig.

Action: E.R.I.S.A.– employee retirement. Attorney: Michael E. Quiat.

Filed: Sept. 29. Case no. 7:17-cv-07460.

Commissioner of Social Security.

Filed by Oris Zoraida Vasquez. Action: review of HHS decision (DIWW). Attorney: Daniel Berger. Filed: Sept. 29.

Case no. 7:17-cv-07413-NSR.

The College of Westchester Inc. Filed by Emanuel Delacruz. Action: Americans with Disabilities Act – civil enforcement actions. Attorney: Dana Lauren Gottlieb. Filed: Sept. 29. Case no. 7:17-cv-07398-VB.

Charter School of Educational Excellence, Yonkers. Seller: The Church of Our Lady of the Rosary, Yonkers.

Property: 226 Warburton Ave., Yonkers. Amount: $2.4 million. Filed Sept.

27.

Experian. Filed by Robert Werner.

Action: Fair Credit Reporting Act. Attorney not listed. Filed: Sept. 29. Case no. 7:17-cv-07456.

Muriqi Realty LLC, Astoria. Seller: Lynne Marie Columbres, et al, Bronxville. Property: 42 Dunbar St., Yonkers.

Amount: $1 million. Filed Sept. 25.

FedEx Freight Inc. Filed by Kevin Smith. Action: damages in cases of intentional discrimination in employment. Attorney: Valeria Alexandra Gheorghiu. Filed: Oct. 3. Case no. 7L17cv-07528.

Northern Red Oak X LLC, Livingston Manor. Seller: Catherine B. Feldman, Scarsdale. Property: 27 Hampton Road, Scarsdale. Amount: $2.3 million. Filed Sept. 27.

MTC Limousine & Corporate Coach Inc. Filed by Mohamed Amribet. Action: FLSA– minimum wage.

Attorney: James Patrick Batson. Filed: Oct. 2. Case no. 7:17-cv-07521.

Skyview Motel LLC. Filed by The Independence Project Inc. Action: The Americans with Disabilities Act of 1990. Attorney: Keith Harris. Filed: Oct. 3. Case no. 7:17-cv-07504.

Upstate Construction of Rockland County Inc. Filed by David Braun, Jacob Grossman, Jacob Gestetner, Harriett Friedman, Herman Friedman, Sarah Schlesinger, Sol Schlesinger, Ruth Parness, Ari Parness, Ruchel Litzman, Chesky Litzman, Tili Roth, Fishel Roth, Ester Laufer, Yechial Maier, Malky Greenwald, Mechel Greenwald, Sara Rivka Goldfarb and Daniel Goldfarb. Action: declaratory judgment. Attorney: Norman I. Klein. Filed: Sept. 29. Case no.

7:17-cv-07373-KMK. V&V Stores Inc. Filed by The Independence Project Inc. Action: The Americans with Disabilities Act of 1990. Attorney: Keith Harris. Filed: Oct. 3. Case no. 7:17-cv-07503.

DEEDS Above $1 million 101 Forest Avenue Associates LLC, Rye. Seller: Susan C. Cammarano, et al, Rye. Property: 101 Forest Ave., Rye. Amount: $2.2 million. Filed Sept. 26.

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

ON THE RECORD

35 Fordham Associates LLC, Rye. Seller: Rose Becker, et al, Tarrytown.

Property: 35 Fordham Ave., Rye. Amount: $1.3 million. Filed Sept. 28.

BD2NY LLC, Irvington. Seller: Gustavo Schwed, et al, Irvington.

Property: 5 Daisy Lane, Greenburgh.

Amount: $3.3 million. Filed Sept. 28.

Below $1 million 12 Acorn Terrace Realty Inc., New Rochelle. Seller: Miguel Oliveira, et al, New Rochelle. Property: 12 Acorn Terrace, New Rochelle. Amount: $680,000. Filed Sept. 27.

130 Cox LLC, Yonkers. Seller: Marcia Richards, Yonkers. Property: 130 Cox Ave., Yonkers. Amount: $745,000.

Filed Sept. 25.

142 North 6th Avenue Inc., Mount Vernon. Seller: The Raffaella Curzio Family Trust, Mount Vernon. Property: 142 N. Sixth Ave., Mount Vernon.

Amount: $330,000. Filed Sept. 25.

150 Lake Avenue Yonkers LLC, Englewood, N.J. Seller: HVB Realty Corp., Yonkers. Property: 150 Lake Ave., Yonkers. Amount: $410,000.

Filed Sept. 29.

36Edgewood LLC, New York City.

Seller: Neil A. Postighone, New York City. Property: 36 Edgewood Ave., Mount Vernon. Amount: $660,000.

Filed Sept. 27.

442 North Barry LLC, Midland Park, N.J. Seller: Heather Blanco, et al, Mamaroneck. Property: 442 N. Barry Ave., Rye. Amount: $510,000. Filed Sept. 28.

65 HN Realty Corp., Mount Vernon.

Seller: Lee-Chambers LLC, Mount Vernon. Property: 65 S. Fourth Ave., Mount Vernon. Amount: $652,500.

Filed Sept. 29.

Alba Developers Inc., Bronx. Seller: Nationstar Mortgage LLC. Property: 48 Touissant Ave., Yonkers. Amount: $297,500. Filed Sept. 28.

Barclay Road Corp., Armonk. Seller: Janice Gates Kelly, Scarsdale. Property: Edgemont Road, Greenburgh.

Amount: $630,000. Filed Sept. 25.

Bayview Loan Servicing LLC, Williamsville. Seller: Aldo Vitagliano, Rye. Property: 140 Stevens Ave., Mount Vernon. Amount: $328,000. Filed Sept. 25.

Central Korean United Methodist Church, White Plains. Seller: New York Annual Conference of the United Methodist Church, White Plains.

Property: 25 Oakland Ave., Eastchester. Amount: $736,462. Filed Sept. 26.

Charter School of Educational Excellence, Yonkers. Seller: Roman Catholic Church of St. Margaret, Yonkers. Property: 76 Locust Hill Ave., Yonkers. Amount: $750,000. Filed Sept. 28.

DM Wiring LLC, Bronx. Seller: Claudio Cajamarca, White Plains. Property: 98 Prospect Ave., Greenburgh.

Amount: $212,500. Filed Sept. 26.

Federal National Mortgage Association. Seller: Camille Allen, Harrison. Property: 26 Vail Ave., Peekskill.

Amount: $404,023. Filed Sept. 26.

Federal National Mortgage Association. Seller: Jeffrey M. Binder, White Plains. Property: 127 Randolph Road, Greenburgh. Amount: $373,659.

Filed Sept. 25.

Federal National Mortgage Association. Seller: Lamont Smith, Yonkers. Property: 419 Sixth Avenue South, Mount Vernon. Amount: $229,174. Filed Sept. 27.

High Rise Group Inc., Bellmore.

Seller: PAB Investments LLC, Alexandria, Va. Property: 61 Palisades Ave., Yonkers. Amount: $89,000. Filed Sept. 26.

Hudson Point LLC, Yorktown Heights. Seller: Ronni A. Suessenbach, Cortlandt Manor. Property: 6 Hollowbrook Place, Cortlandt. Amount: $160,050. Filed Sept. 25.

Acqua Capital LLC, et al, White Plains. Seller: Judith Levin, West Nyack. Property: 355 Old Tarrytown Road, Greenburgh. Amount: $196,000. Filed Sept. 27.

Jenny and Carlos LLC, Port Chester.

Seller: 145 North Main Street LLC, Port Chester. Property: 145 N. Main St., Rye. Amount: $800,000. Filed Sept. 26.

Acqua Capital LLC, White Plains.

Seller: Amelia T. Del Vecchio, Thornwood. Property: 120 Teresa Lane, Mamaroneck. Amount: $325,296. Filed Sept. 27.

Jimmy Rosenblum Corp., Mamaroneck. Seller: Acqua Capital LLC, White Plains. Property: 120 Teresa Lane, Mamaroneck. Amount: $440,000. Filed Sept. 27.

JP Greenwich Holdings LLC, Rye Brook. Seller: Sigmund F. Blum, et al, Naples, Fla. Property: 41 Mead Road, North Castle. Amount: $350,000.

Filed Sept. 27.

LA’S Properties in Westchester LLC, Bedford Hills. Seller: Mount Kisco Supply Company Inc., Mount Kisco. Property: Lexington Ave., Mount Kisco. Amount: $149,000. Filed Sept. 25.

LA’s Prperties in Westchester LLC, Bedford Hills. Seller: Mount Kisco Suply Company Inc., Mount Kisco. Property: 369 Lexington Ave., Mount Kisco. Amount: $149,000. Filed Sept. 25.

Mamalute Inc., Purchase. Seller: Marsheela Wells, Gaithersburg, Md. Property: 62 Vineyard Ave., Yonkers.

Amount: $135,000. Filed Sept. 26.

Max 2 Realty LLC, Richmond Hill.

Seller: Susan Lauer Pena, Dobbs Ferry, Property: 167 Buena Vista Ave., Yonkers. Amount: $260,000. Filed Sept.

28.

MTGLQ Investors LP. Seller: Patricia Santoro, et al, Chichester. Property: 1196 Route 35, Lewisboro. Amount: $436,262. Filed Sept. 26.

MTLGQ Investors LP. Seller: Bruce L. Bozeman, Mount Vernon. Property: 3404 Mohegan Ave., Yorktown.

Amount: $255,942. Filed Sept. 26.

Nationstar HECM Acquisition Trust 2016-1. Seller: John A. Sarcone, III, White Plains. Property: 37 Eighth Avenue South, Mount Vernon.

Amount: $365,481. Filed Sept. 27.

Roca Development Corp., Thornwood. Seller: John E. Clark, Spring Lake, N.J. Property: 38 Gedney Circle, White Plains. Amount: $300,000.

Filed Sept. 29.

S Developers LLC, Mount Vernon. Seller: Mary Christine Bridges, Mount Vernon. Property: 50 First Street West, Mount Vernon. Amount: $187,500. Filed Sept. 29.

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Spruce Partners LLC, Mamaroneck. Seller: Mark Barbero, et al, Larchmont. Property: 46 Rockwood Drive, Mamaroneck. Amount: $37,500. Filed Sept. 27.

U.S. Bank N.A. Seller: Francis J. Malara, White Plains. Property: 25 Barker St., 610, Mount Kisco. Amount: $501,092. Filed Sept. 27.

U.S. Bank Trust N.A. Seller: Barbara M. Lerman, Larchmont. Property: 1231 Crestward Ave., Yorktown. Amount: $394,371. Filed Sept. 29.

W.A.S. Holding Corp., Yonkers. Seller: Acqua Capital LLC, White Plains.

Property: 46 Prior Place, Yonkers.

Amount: $320,000. Filed Sept. 27.

WCBJ

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OCTOBER 9, 2017

33

GOOD THINGS APPOINTMENTS AT PACE LAW

With prisoners at the Westchester County Jail in Valhalla, from left: Ayesha Khan, vice president of Food Bank for Westchester; Polly Kerrigan, senior vice president of Family Services of Westchester; Doug DeCandia; Kevin Cheverko, commissioner of the Westchester County Department of Correction; and Westchester County Executive Robert P. Astorino.

SPECIAL HARVEST

Back from left, Alan Kadish and Edward C. Halperin. Front from left, Mark Hasten, Ira Schwartz and Robert G. Lerner.

COLLEGE HONORS FOUR New York Medical College held its annual Founder’s Dinner at the DoubleTree Hilton in Tarrytown. Mount Pleasant Town Supervisor Carl Fulgenzi proclaimed it to be “New York Medical College Day.” Edward C. Halperin, college chancellor and CEO, said, “We had the honor of celebrating four distinguished individuals who have not only made an impact on the college, but have improved the field of health care and beyond.”

Ira Schwartz was awarded The Jackson E. Spears Community Service Award in honor of his service and commitment to the community. The award honors the late Jackson E. Spears, who served as a college trustee from 1943 to 2003. Schwartz joined NYMC in 1980 and has been chairman of the department of microbiology and immunology since 2002.

Mark Hasten was presented with the Alfred DelBello Distinguished Service Award for his work to advance the college’s mission of education and research. The late Alfred DelBello was Westchester county executive and a prominent attorney. Hasten is chairman of the board of trustees of the medical college and Touro College and University System.

Robert G. Lerner received the Golden Faculty Service Award, marking his 50 years at the college. Lerner is vice chairman of department of medicine and chief of hematology at Westchester Medical Center.

Robert J. Lifton was honored with the William Cullen Bryant Award, established to recognize individuals who, in the tradition of the college’s founder, William Cullen Bryant, demonstrate important leadership in health care, science, education, business or the arts.

Lifton’s career as a world-renowned psychiatrist and author spans nearly 70 years.

URBAN RIVER PARTY More than 300 attended Groundwork Hudson Valley’s Urban River Party at X2O Restaurant at the Yonkers pier.

Honored during the event were Wilson Kimball, the city’s commissioner of planning and economic development; Peter Kareiva, director of the Institute for the Environment and Sustainability at UCLA; and, Peter Kelly, chef of the Xaviars Restaurant Group. Groundwork said the three have helped transform Yonkers into a greener, more commercially robust urban center.

The event also recognized Robert Baron, who stepped down at the end of 2016 after being Groundwork’s board chair for 12 years.

The event raised more than $430,000. Based in southwest Yonkers, the group works to help communities reclaim and revitalize environmentally and economically distressed neighborhoods.

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It’s harvest time at farms and gardens all over Westchester, including the one at the Westchester County Jail in Valhalla. Inmates and staff from the Westchester County Department of Correction work with nonprofits to help feed the hungry with food grown right at the jail. In 2016, inmates at the jail’s farm grew more than 1,600 pounds of fruits, vegetables and herbs, helping supplement meals for the hungry provided through Food Bank for Westchester.

Female inmates raised organic produce in garden beds that were built by staff members inside a recreation area of the jail.

Inmate participation in all of the programs is voluntary and applicants are screened for participation.

Under the stewardship of organic farmer Doug DeCandia, the food bank maintains farms on five campuses in the county. In addition to the jail, they are at the Woodfield Cottage juvenile detention facility in Valhalla, the Leake and Watts residential treatment center in Yonkers, the New York School for the Deaf in Greenburgh and the Westchester Land Trust in Bedford.

Janet Donat of Family Services of Westchester said, “Participants discover that nurturing another living thing takes patience, perseverance and a supportive community. By gardening together, participants also learn social skills — cooperation, communication, responsibility, and more — that can help them succeed after they leave jail.”

Former Assistant U.S. Attorney Miriam Rocah will be joining Pace University’s Elisabeth Haub School of Law on Oct. 16 as the school’s first distinguished fellow in criminal justice. Rocah’s appointment is part of the law school’s expansion of its program for aspiring prosecutors and criminal defense attorneys.

In addition to teaching and advising students, she will arrange speakers, symposiums and policy conferences on issues of current importance to practicing attorneys and policymakers in the criminal justice arena.

Rocah said she looks forward to “furthering the law school’s mission by bringing together law enforcement, distinguished practitioners, legal scholars and law students to explore important criminal justice issues.”

Pace Law has appointed Carol Barry, adjunct professor of law, to serve as executive director of the Pace Criminal Justice Institute. She has been with Pace for more than 20 years.

HOSPITAL UNIT HONORED E.J. Ferraro, assistant athletic director of campus recreation at Iona with Laura Saggese.

Photo by Wrap For A Cause.

WRAP AND ROLL No, a van wrap is not some sort of exotic sandwich. It’s a flexible film wrapped around a vehicle for promotional purposes.

We previously reported that Iona College would be decking out one of its vans to promote the Juvenile Diabetes Research Foundation. On Sept. 24, the van, underwritten by Country Bank, was officially unveiled at the foundation’s walk event in New York City. It’s scheduled for an appearance on Oct. 22 at the foundation’s Westchester Walk.

Laura Saggese, founder of the company, which arranges the vehicle wrapping, said, “So many organizations don’t have large enough marketing budgets to broadcast their good works…wrapping a university fleet makes sense: this positions the sponsor as a community leader and most importantly, brings awareness to the charitable cause everywhere that the vehicle travels.”

The Transitional Care Unit at Northern Westchester Hospital in Mount Kisco, which provides short-term skilled nursing and rehabilitative care for patients after hospital discharge, has received a five-star quality rating from the federal government’s Centers for Medicare & Medicaid Services.

The unit is a separate short-term care facility where patients spend five to 14 days transitioning between the hospital and home so they can achieve functional independence. The facility also offers therapeutic recreation, registered dietitians, social work and pharmacy services.

DATES HAPPENING CASDEN JOINS WHITE PLAINS HOSPITAL

Bike riders at the starting line for the Hudson Valley Bike Ride. Photo by Michael Priest Photography

BIKE EVENT RAISES $650K West Point cadets took the Plank Challenge.

HEART WALK

The American Heart Association’s Heart Walk attracted about 1,200 participants to the Kensico Dam on Oct. 1. More than 70 teams had registered online to participate.

In addition to a 5K walk, there were fitness activities, including a “plank challenge” in which participants are timed to see how long they can hold a plank pose. The plank exercise, designed to strengthen the body’s core, involves lying on your belly, placing the hands or forearms directly under the shoulders and rising onto the toes while contracting the glutes and other muscles. Cadets from Company E1 at the U.S. Military Academy at West Point, who volunteered at the event, were among those doing plank exercises.

Some of those sponsoring this year’s Heart Walk were White Plains Hospital, WMC Health/Maria Fareri Children’s Hospital, Fujifilm, Patrick W. Thomas and Mrs. Johanna D. Thomas, New York Presbyterian, Phelps Hospital/Northwell Health, New York Medical College and Stop & Shop.

Andrew Casden has joined White Plains Hospital as its new chief of orthopedic and spine surgery. He is experienced in both traditional and minimally invasive spinal surgery.

Casden received his medical education from the Cornell University Medical College.

He completed his surgical internship at New York Hospital/Cornell Medical Center. He completed his orthopedic residency at the Hospital for Joint Diseases Orthopaedic Institute and a spine fellowship at the Rush-Presbyterian-St. Luke’s Medical Center in Chicago.

Casden previously was an associate professor at Mount Sinai Medical Center and School of Medicine.

A bike ride event has raised more than $650,000 for the Jewish Board of Family and Children’s Services (The Jewish Board). The event took place on Sept. 17 with more than 400 bicyclists meeting on the campus of Purchase College.

Participants were invited to choose the distance that best fit their skill level and interest, ranging from a 10-mile course for families and casual riders to challenging 25- and 62-mile courses. Rest stops were set up along the routes, offering the riders snacks and beverages. Later, there was a barbecue along with raffles and massages for sore muscles.

The Jewish Board operates mental health, domestic violence and supportive housing programs serving people of all religious, ethnic and socioeconomic backgrounds in the New York area as far north as Westchester County and as far south as Staten Island.

‘SHARE THE WARMTH’

Bob Funking, left, co-owner of Westchester Broadway Theatre and Dale Williams, executive director of Midnight Run, check collection boxes at the theater.

Two nonprofits, Midnight Run and Coalition For The Homeless, are working with the Westchester Broadway Theatre in Elmsford on a drive to help those in need make it through the winter. Collection boxes have been set up in the theater’s lobby for men’s and women’s clothing and toiletries. The collection drive, titled “Share the Warmth,” runs through Nov. 22.

While new clothing is most desirable, donors are asked to make sure that used clothing is not torn or stained. Toiletries should be new and in unopened packages. Most needed for men are coats, jackets, hats, gloves, jeans, shirts, T-shirts, tube socks, underwear, sweatpants, sweatshirts, sneakers and boots. Items for women include coats, jackets, hats, gloves, jeans, underwear, socks, pantsuits, dresses, skirts, blouses, shoes and boots. Large clothing sizes are desirable.

Toiletries include bar soap, body wash, comb, hair brush, dental floss, deodorant, shampoo, toothpaste, toothbrushes, mouth wash and baby wipes.

Midnight Run was founded in the late 1980s and is headquartered in Dobbs Ferry. More than 150 organizations work with Midnight Run to collect clothing, prepare food, and make regular nighttime trips to deliver the necessities to homeless people living on the streets.

The Coalition for the Homeless is the nation’s oldest advocacy and direct service organization helping homeless men, women and children.

More information at broadwaytheatre.com.

From left: Nanuet Chamber of Commerce Secretary Kim Tran, Jason Ruiz, George Mollo, Susan Farese, Dennis Maher and his wife, Anita and Risa Hoag.

CHAMBER HONORS The Nanuet Chamber of Commerce has handed out Partnership in Progress awards at its Sept. 26 meeting.

Risa Hoag, NCC’s president, presented Verizon with an award for its support of the 2016 and 2017 Nanuet Street Fairs and other NCC activities. NCC Vice President Susan Farese gave a partnership award to Dennis Maher, owner of Ambulance Brew House, his support of the street fair and commitment to beautifying Nanuet’s Main Street. NCC Treasurer George Mollo presented an award to Jason Ruiz, owner of Advanced Audiology, for his support of the chamber’s activities.

Hoag surprised Mollo with an NCC Leadership Award.

In addition, the chamber revealed its first “Shopping and Dining Map for Nanuet” and the surrounding area. The map was made possible through a grant from Rockland County’s Tourism Office and includes ads from local businesses.

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

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FACTS Wappanocca Based Asset LLC, Ann Arbor, Mi. Seller: Louise L. Vales, Rye. Property: 125 Wappanocca Ave., Rye. Amount: $720,000. Filed Sept.

26.

Weichert Workforce Mobility Inc., Morris Plains, N.J. Seller: Renato DCA Bacchi, Port Chester. Property: 43 Talcott Road, Rye. Amount: $906,000. Filed Sept. 27.

Wells Fargo Bank N.A. Seller: Edward P. Kallen, New City. Property: 670 Locust St., Mount Vernon.

Amount: $493,468. Filed Sept. 26.

Wilmington Savings Fund Society FSB. Seller: Barbara Lerman, Larchmont. Property: 81 Poplar St., Yonkers. Amount: $250,000. Filed Sept. 25.

Wilmington Savings Fund Society FSB. Seller: John M. Crane, Port Chester. Property: 128 S. Sixth Ave., Mount Vernon. Amount: $200,000.

Filed Sept. 28.

Wilmington Savings Fund Society FSB. Seller: Lisa Bluestein, Scarsdale. Property: 40 Morris St., New Rochelle. Amount: $442,633. Filed Sept. 26.

MAMARONECK, 27 Lake Road.

Single-family residence; lot size: .53 acre. Plaintiff: HCNP I LLC. Attorney: Barclay Damon LLP, 315-425-2700; 125 E. Jefferson St., Syracuse 13002. Defendant: Jimmie Sundstorm. Referee: Richard Fontana. Sale: Oct. 11, 11 a.m.

Approximate lien: $1,148,489.17, plus disbursements $3,000.

MOUNT VERNON, 409 Warwick Ave. Two-family residence; lot size: .11 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff’s attorney: McCabe, Weisberg & Conway, 914-636-8900; 145 Huguenot St., Suite 401, New Rochelle 10801. Defendant: Edward Brevard. Referee: Paul Victor.

Sale: Oct. 25, 9 a.m. Approximate lien: $613,325.

NEW ROCHELLE, 40 Lincoln Ave. Single-family residence; lot size: .06 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff’s attorney: Woods Oviatt Gilman LLP, 585-987-2800; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Victor Rosario. Referee: Julia Henrichs. Sale: Oct. 23, 9:15 a.m. Approximate lien: $418,992.28.

FORECLOSURES

NEW ROCHELLE, 81 Van Etten Blvd. Single-family residence; lot size: .53 acre. Plaintiff: Sharestates Investments LLC. Plaintiff’s attorney: Butlers Fitzgerald Fiverson & McCarthy, 212-615-2200; 9 E. 45 St., New York 10017. Defendant: Anyekache Hercles.

Referee: Helene Greenberg. Sale: Oct. 11, 9:30 a.m. Approximate lien: N/A.

EASTCHESTER, 151 Lawrence Ave. Single-family residence; lot size: .18 acre. Plaintiff: Bank of America National Association. Plaintiff’s attorney: Frenkel, Lambert, Weiss, Weisman & Gordon, 631-969-3100; 53 Gibson St., Bay Shore 11706. Defendant: Camille Buonincontri. Referee: Guy Parisi.

Sale: Oct. 17, 9:15 a.m. Approximate lien: $632,612.04.

PEEKSKILL, 1640 Boulevard Ave. Single-family residence; lot size: N/A. Plaintiff: JPMorgan Chase Bank National Assoc. Plaintiff’s attorney: Buckley Madole, 347-329-2071; 28 W. 44 St., New York 10036. Defendant: Maryanne O’Brien. Referee: Francis Terrell.

Sale: Oct. 25, 10:30 a.m. Approximate lien: $270,303.93.

ELMSFORD, 28 Valleyview Road.

Single-family residence; lot size: .26 acre. Plaintiff: HSBC Bank USA National Association. Plaintiff’s attorney: Leopold & Associates PLLC, 914-2195787; 80 Business Park Drive, Armonk 10504. Defendant: Vernell Gray. Referee: Jeffrey Binder. Sale: Oct. 27, 10:30 a.m. Approximate lien: $343,903.52.

HARRISON, 25 Parsons St. Two-family residence; lot size: N/A. Plaintiff: Nationstar Mortgage LLC. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Rafael Villonueva. Referee: Christopher Meagher. Sale: Oct. 23, 9:30 a.m. Approximate lien: $541,525.24.

IRVINGTON, 4 Riverview Road.

Single-family residence; lot size: .31 acre. Plaintiff: Bank of America National Association. Plaintiff attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Adrian Selby. Referee: Christopher Meagher. Sale: Oct. 23, 9 a.m. Approximate lien: $843,386.91.

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OCTOBER 9, 2017

JUDGMENTS 160 W 24th LLC, New York City. $21,056 in favor of Classic Laundry and Linen Corp., Yonkers. Filed Sept.

28.

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

Cavellero, Arthur J., as trustee of the Arthur J. Cavellero Trust, et al. Filed by Emigrant Bank. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 47 Grandview Ave., Dobbs Ferry. Filed Sept. 13.

DeBenedictis, Anthony, et al. Filed

by The Bank of New York Mellon Trust Company N.A. Action: seeks to foreclose on a mortgage to secure $396,000 affecting property located at 84 Festival Court, White Plains 10603. Filed Sept. 13.

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Freifeld, Dorothy, et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $397,700 affecting property located at 3330 Nutley Circle, Yorktown Heights 10598. Filed Sept. 13.

Kotlyar, Stan, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $216,000 affecting property located at 65 McKinley Ave., Unit Cg-8, White Plains 10606. Filed Sept. 12.

Lojano, Jose, et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $290,400 affecting property located at 115 Pine St., Peekskill 10566. Filed Sept. 13.

Pardalis, Athanasios D., et al. Filed

by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $282,000 affecting property located at 32 Osage Drive East, Ossining 10562. Filed Sept. 13.

Pasalic, Eithne, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $770,000 affecting property located at 7 Parkway St., Larchmont 10538.

Filed Sept. 12.

Randazzo, Serafino, et al. Filed

by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $825,000 affecting property located at 10 Tall Pines Lane, Bedford Corners 10549. Filed Sept. 12.

Robins, Eleanor K., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $990,500 affecting property located at 5 Crossway, Scarsdale 10583. Filed Sept. 13.

Rodulfo, Roman, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $255,427 affecting property located at 5 Howard Place, Yonkers 10701. Filed Sept. 12.

Sanchez, Armando U., et al. Filed

by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $417,000 affecting property located at 181 Edgepark Road, Greenburgh 10603. Filed Sept. 13.

Schwartz, Pamela R., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $130,728 affecting property located at 39 Banksville Road, Armonk 10504.

Filed Sept. 12.

Silva, Mary, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $287,500 affecting property located at 281 Croton Dam Road, Ossining 10562. Filed Sept. 13.

Unknown heirs at law of Marvin Calderon, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $610,400 affecting property located at 144-146 Smith St., Port Chester 10573. Filed Sept. 13.

FIGURES MECHANIC’S LIENS Lock Up Ardsley LLC, as owner. $4,709 as claimed by Garden Department Corp., Coram. Property: in Greenburgh. Filed Sept. 29.

Nicola Funicello Trust, as owner. $10,663 as claimed by Plumb-Rite Inc., Ardsley. Property: in Pelham. Filed Sept. 29.

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

Partnerships No Place Home Like Personal Chef and Catering, 15 Chestnut St., Dobbs Ferry 10522, c/o Alberto Alvarez Nunez and Jennifer L. Bahme.

Filed Aug. 8.

Wholesome Moms, 80 Crotona Ave., Harrison 10528, c/o Stephanie Madera and Jovana Pabon-Rodriguez.

Filed Aug. 9.

Sole Proprietorships A Head Start Day Care, 14 S. Bond St., Mount Vernon 10550, c/o Kendra Stevens. Filed Aug. 10.

AO Fountain, 31 Purdy St., Harrison 10528, c/o Dean Kakazu. Filed Aug. 9.

Bag Connection and Belt Connection, 184 Grace Church St., Port Chester 10573, c/o Aleta Herring. Filed Aug. 9.

Delman Chiropractic Center, 1301 Mamaroneck Ave., White Plains 10605, c/o Evan L. Delman. Filed Aug. 10.

G.I.D. Interior Finishes, 686 Corbalis Place, Yonkers 10703, c/o Nathaniel Gidron Jr. Filed Aug. 8.

Get Your Own Head Right Barber, 185 Cortlandt St., Sleepy Hollow 10591, c/o Gerald L. Enzar. Filed Aug. 9.

Healthy Heart Training, 10 Jefferson Place, No. 1D, Mount Vernon 10550, c/o Dennis Brooks. Filed Aug. 9.

Jaime Painting, 118 Depew St., Peekskill 10566, c/o Jaime B. Mendez. Filed Aug. 10.

JD Master Plumbing and Heating, 77 Bronx River Road, Apt. 2B, Yonkers 10704, c/o John David. Filed Aug. 10.

Mary Salgados and Festas, 19 Oakwood Ave., Apt. 1A, White Plains 10605, c/o Marines Carbelim. Filed Aug. 8.

Mercy’s First Semester, 55 Ehrbar Ave., No. 3D, Mount Vernon 10552, c/o William Bunch. Filed Aug. 8.

Raf Crafts, 126 N. Columbus Ave., First floor, Mount Vernon 10553, c/o Michelle V. Bedford. Filed Aug. 9.

RBH Wellbeing, 60 Adams St., No. 723, Bedford Hills 10507, c/o Eduardo M. Iannici. Filed Aug. 8.

Sisters of Tamar, P.O. Box 362, Fleetwood 10552, c/o Betty J. Washington.

Filed Aug. 10.

Style by Soyini, 50 S. Bleeker St., Mount Vernon 10550, c/o Soyini Barnes. Filed Aug. 10.

Susan White Photography, 68 Virginia Ave., No. 1, Dobbs Ferry 10522, c/o Susan White. Filed Aug. 10.

Techstyle AV, 205 Cleveland Drive, Croton-on-Hudson 10520, c/o Walter Schmidt. Filed Aug. 10.

PATENTS Dispersed storage based on estimated life and methods for use therewith. Patent no. 9,781,207 issued to Thomas Franklin Shirley Jr., Wauwatosa, Wis.; and Christopher S. Gladwin, Chicago, Ill. Assigned to International Business Machines Corp., Armonk.

Identity management in a networked computing environment. Patent no. 9,781,220 issued to Kelly Abuelsaad, Poughkeepsie; Lisa Seacat DeLuca, San Francisco, Calif.; Soobaek Jang, Hamden, Conn.; and Daniel C. Krook, Fairfield, Conn.; Assigned to International Business Machines Corp., Armonk.

Locating electronic devices in an electronic equipment rack. Patent no. 9,781,548 issued to Budy D. Notohardjono, Poughkeepsie; Arkadiy O. Tsfasman, Wappingers Falls; and John S. Werner, Putnam Valley. Assigned to International Business Machines Corp., Armonk.

Managing security restrictions on a resource in a defined environment. Patent no. 9,781,121 issued to Mark J. Hoesl, Friendswood, Texas.

Assigned to International Business Machines Corp., Armonk.

Multifunctional sky camera system for total sky imaging and spectral radiance measurement.

Patent no. 9,781,363 issued to Hendrik F. Hamann, Yorktown Heights; and Siyuan Lu, Yorktown Heights.

Assigned to International Business Machines Corp., Armonk.

Obtaining dispersed storage network system registry information. Patent no. 9,781,208 issued to Wesley Leggette, Chicago, Ill.; and Jason K. Resch, Chicago, Ill. Assigned to International Business Machines Corp., Armonk.

Predictive generation of a security network protocol configuration. Patent no. 9,781,162 issued to Linwood H. Overby Jr., Raleigh, N.C.; and Mark T. Wright, Raleigh, N.C. Assigned to International Business Machines Corp., Armonk.

Processing of application peak load. Patent no. 9,781,191 issued to Vivek Kashyap, Beaverton, Ore. Assigned to International Business Machines Corp., Armonk.

Proximity alert and personalized instructions responsive to a physical distress. Patent no. 9,781,247 issued to Venkata V. Gadepalli, Apex, N.C.; Trudy L. Hewitt, Cary, N.C.; Ashok K. Iyengar, Encinitas, Calif.; and James M. Moreno, Georgetown, Texas. Assigned to International Business Machines Corp., Armonk.

Self-directed mobile wireless access points and wireless endpoints for wireless testing. Patent no. 9,781,609 issued to Rachele S. Kurtz, Cary, N.C.; Charles S. Lingafelt, Durham, N.C.; James W. Murray, Durham, N.C.; and James T. Swantek, Canton, Ga. Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY BUILDING LOANS Below $1 million 36 Liberty Street LLC, Newburgh, as owner. Lender: Salisbury Bank and Trust Co., Lakeville, Conn. Property: in Newburgh. Amount: $104,000.

Filed Oct. 2.

47-49 Liberty Street LLC, Newburgh, as owner. Lender: Salisbury Bank and Trust Co., Lakeville, Conn.

Property: in Newburgh. Amount: $203,000. Filed Oct. 2.

Babvani, Zahir, New York City, as owner. Lender: Wallkill Valley Federal Savings and Loan Association, Wallkill. Property: 488 Hillside Road, Cragsmoor 12420. Amount: $800,000. Filed Sept. 26.

Bi Coastal Rehabbers LLC, Walden, as owner. Lender: TEG Federal Credit Union, Poughkeepsie. Property: 79 Susan Drive, Newburgh. Amount: $240,500. Filed Oct. 2.

2017

CFO OF THE YEAR AWARDS

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CHUCK SCHWARTZ • PARACO GAS CORP. SANDRA STARK • BMW OF MT. KISCO CHRISTINA VILLANUEVA • UNITED HEBREW OF

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OCTOBER 9, 2017

37

FACTS Ramms Properties Inc., as owner.

Lender: LendingHome Funding Corp., San Francisco, Calif. Property: 46 Park Drive, Warwick 10990.

Amount: $149,000. Filed Sept. 29.

Rhein, James L., Middletown, as owner. Lender: George R. Miller and Mary L. Miller, Middletown. Property: 12 Linden Place, Middletown.

Amount: $110,000. Filed Oct. 2.

Schain, Marc A., et al, High Falls, as owner. Lender: Rondout Savings Bank. Property: 28 Clove Valley Road, High Falls. Amount: $420,000. Filed Sept. 18.

Tyler, Ronald S., et al, Highland, as owner. Lender: Walden Savings Bank, Montgomery. Property: in Marlborough. Amount: $255,000. Filed Sept.

27.

DEEDS Above $1 million GWL 201 Neelytown LLC, West Hempstead. Seller: Suncap Newburgh LLC, Charlotte, N.C. Property: in Montgomery. Amount: $36.2 million.

Filed Sept. 25.

New Paltz SNF Realty LLC, Airmont. Seller: MacDonald Road Corp., Schenectady. Property: in New Paltz.

Amount: $3.3 million. Filed Sept. 20.

Pax 10 LLC, Yonkers. Seller: Patricia Moriano, et al, Pine Bush. Property: in Pine Bush. Amount: $5.8 million. Filed Sept. 25.

Below $1 million 1005 US 11 LLC, Pearl River. Seller: Secretary of Housing and Urban Development, Washington, D.C. Property: 22 Briarwood Crescent, Newburgh 12550. Amount: $100,000. Filed Sept.

25.

&

FIGURES

43 LTH LLC, Lakewood, N.J. Seller: Charter Solutions LLC, Greenwood Lake. Property: 43 Lutheran St., Newburgh 12550. Amount: $75,000. Filed Sept. 22.

BGRS LLC, Burr Ridge, Ill. Seller: Brian C. Restaino, et al, Wappingers Falls. Property: 24 Fieldstone Blvd., Wappingers Falls 12590. Amount: $258,000. Filed Sept. 27.

Federal National Mortgage Association. Seller: Amir Gadalla, Houston, Texas. Property: 16 Mabel Road, Middletown 10941. Amount: $227,134.

Filed Sept. 25.

513 Galley Hill LLC, Cuddebackville.

Seller: John Anthony Clark, et al, Cuddebackville. Property: in Deerpark.

Amount: $320,000. Filed Sept. 22.

Bluestone Mavericks LLC, Woodstock. Seller: Sylvia Lomagno, et al, West Hurley. Property: in Hurley.

Amount: $350,000. Filed Sept. 21.

Four Acres Properties LLC, Saugerties. Seller: U.S. Bank Trust N.A. Property: 27 Livingston St., Saugerties 12477. Amount: $107,000. Filed Sept.

26.

62 Ricks Road LLC, Woodstock.

Seller: Girls Rock LLC, Glenford.

Property: in Woodstock. Amount: $600,000. Filed Sept. 20.

Cartus Financial Corp., Danbury, Conn. Seller: Jonathan C. Novak, et al, Clintondale. Property: in Plattekill.

Amount: $300,000. Filed Sept. 26.

Alsling Realty LLC, Nanuet. Seller: The Bank of New York Mellon. Property: 169 Biddell Road, Wappinger Falls 12590. Amount $234,000. Filed Sept. 22.

Chestnut Hill NY Inc., Wappingers Falls. Seller: Tri-Serendipity LLC, New Paltz. Property: in Kingston. Amount: $55,000. Filed Sept. 20.

1071 Main LLC, Brooklyn. Seller: Hudson Valley Federal Credit Union, Poughkeepsie. Property: 1071-1073 Main St., Fishkill 12524. Amount: $600,000. Filed Sept. 25.

AMP Rentals Inc., Middletown. Seller: Lokam Realty LLC, Middletown.

Property: in Middletown. Amount: $195,000. Filed Sept. 22.

22 Desilva LLC, North Salem. Seller: Shane Kelder, et al, Kerhonkson. Property: in Olive. Amount: $55,000. Filed Sept. 19.

Bank of America N.A. Seller: Donald Nichol, Walden. Property: 2 Chaucer Court, Middletown 10941. Amount: $322,921. Filed Sept. 25.

33 Middlebush LLC, Montgomery.

Seller: Iglesia Cristiana El Sembrador Inc., Wappingers Falls. Property: 33 Middlebush Road, Wappinger.

Amount: $85,000. Filed Sept. 28.

Bank of America N.A. Seller: John J. Suplina, et al, South Salem. Property: 109 S. Nellie Hill Road, Dover Plains 12522. Amount: $204,000. Filed Sept.

25.

GET WHAT YOU DESERVE

Double R Capital Inc., Poughkeepsie. Seller: Betty Potenza, Poughkeepsie. Property: 10 N. Mission Road, Wappingers Falls 12590. Amount: $98,250.

Filed Sept. 22.

Dynamic Progressive LLC, Gainesville, Fla. Seller: Bank of America N.A. Property: 45 Wood Road, Huguenot 12746. Amount: $67,500. Filed Sept.

25.

Dynamic Progressive LLC, Gainesville, Fla. Seller: Deutsche Bank National Trust Co. Property: 11 Charles St., Port Jervis 12771. Amount: $61,000.

Filed Sept. 25.

Gallo Ventures LLC, Poughkeepsie.

Seller: Pleasant View Subdivision LLC, Poughkeepsie. Property: in Lloyd.

Amount: $55,000. Filed Sept. 18.

Gemmati Properties LLC, Poughkeepsie. Seller: Steven H. Klein, Poughkeepsie. Property: 11 Du Bois Ave., Poughkeepsie 12601. Amount: $24,500. Filed Sept. 26.

Harmony Builders LLC, Woodstock. Seller: Michael L. Stock, Bearsville. Property: in Woodstock.

Amount: $160,000. Filed Sept. 21.

Health Quest Medical Practice PC, LaGrangeville. Seller: Brad Builders Inc., Highland. Property: in Lloyd.

Amount: $725,000. Filed Sept. 19.

High Bridge Place LLC, Gardiner.

Seller: Ethan P. Jackman, Kingston.

Property: in Lloyd. Amount: $30,000.

Filed Sept. 25.

High Bridge Place LLC, Gardiner.

Seller: Tremont Hall Corp., Kingston. Property: in Lloyd. Amount: $320,000. Filed Sept. 25.

High Garden Holdings LLC, Tarrytown. Seller: Tonya Mattatall, Newburgh. Property: 296 Lybolt Road, Middletown 10941. Amount: $125,000. Filed Sept. 22.

HJ Equities LLC, New York City.

Seller: Georganna Millman, Oliverea.

Property: in Shandaken. Amount: $310,000. Filed Sept. 27.

J and J Industrial LLC, Washingtonville. Seller: 8 Hallock LLC, Washingtonville. Property: in Blooming Grove.

Amount: $600,000. Filed Sept. 25.

Keybank N.A. Seller: Jeffrey Albanese, Goshen. Property: 32 Hillside Trail, Monroe 10950. Amount: $81,200. Filed Sept. 25.

Libolt and Sons Inc., Gardiner.

Seller: Michael E. Garrity, et al, Medusa. Property: in Esopus. Amount: $145,000. Filed Sept. 20.

Lory Properties Corp., Stormville.

Seller: Charles E. Stewart III, Pawling.

Property: 40 Kevin Heights, Poughkeepsie 12603. Amount: $123,500.

Filed Sept. 28.

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39

FACTS Matawin Ventures REO 2016-2 LLC. Seller: Christopher A. Montalto, Poughkeepsie. Property: 52 South Road, Holmes 12531. Amount: $407,000. Filed Sept. 27.

MTGLQ Investors LP. Seller: Mark D. Stern, Goshen. Property: 11 Hawk Hills Circle, Otisville 10963. Amount: $220,836. Filed Sept. 22.

Nationstar HECM Acquisition Trust 2016-1. Seller: Geoffrey Eliot Chanin, Goshen. Property: 11 Booth Road, Chester 10918. Amount: $598,732. Filed Sept. 22.

New Hamburg Development Group LLC, Millbrook. Seller: Anthony Pucek, Hopewell Junction.

Property: in Poughkeepsie. Amount: $85,000. Filed Sept. 27.

Nima Contracting Inc., New Windsor. Seller: Allen D. Suran, Beacon. Property: in Beacon. Amount: $120,000. Filed Sept. 28.

Ocean Harbor Realty LLC, Oceanside. Seller: David Maria, et al, Wallkill.

Property: 35 Trapps View Farm Road, Gardiner. Amount: $675,000. Filed Sept. 27.

Owe Jr Properties LLC, Millerton.

Seller: Aperture Foundation Inc., Millerton. Property: in Millerton.

Amount: $675,000. Filed Sept. 27.

Pads for the People LLC, Kingston.

Seller: Siddie Howells, Kingston. Property: 11 Browning Terrace, Kingston.

Amount: $100,000. Filed Sept. 26.

Pilot Blue Hollow LLC, New York City. Seller: The Bank of New York Mellon. Property: 2321 Route 28A, Olive 12461. Amount: $170,000. Filed Sept.

27.

Quicken Loans Inc. Seller: Theoni Stamos-Salotto, Hopewell Junction.

Property: 535 Fitzsimmons Road, Red Hook 12571. Amount: $284,000. Filed Sept. 22.

RSM Stockade Acquisitions 39 LLC, Brooklyn. Seller: Alan Eisenson, et al, Shokan. Property: 39 N. Front St., Kingston 12401. Amount: $495,000.

Filed Sept. 27.

Secretary of Housing and Urban Development. Seller: Christine M. Buckley, et al, Cornwall-on-Hudson.

Property: 50 Old Dutch Hollow Road, Warwick 10925. Amount: $120,000.

Filed Sept. 25.

Selux Corp., Highland. Seller: Hudson Venture Capital LLC, Westbury.

Property: Bellevue Road, Lloyd.

Amount: $735,000. Filed Sept 25.

SGC Builders Inc., New Paltz. Seller: Stacey Savage-Brooks, Woodstock.

Property: in Lloyd. Amount: $55,000.

File Sept. 22.

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OCTOBER 9, 2017

Summit 1000 LLC, West Hurley.

Seller: John F. Ryan, et al, West Hurley. Property: in Hurley. Amount: $123,000. Filed Sept. 27.

SY208 Management LLC, Brooklyn. Seller: Hudson 208 Associates LLC, Washingtonville. Property: 1525 Route 208, Blooming Grove. Amount: $750,000. Filed Sept. 22.

The Bank of New York Mellon.

Seller: Mary E. Zugibe, Warwick. Property: 331 Nina St., New Windsor 12553.

Amount: $504,372. Filed Sept. 25.

The Barn Thrift Shop, Salt Point.

Seller: Janet C. Haberstock, Salt Point.

Property: 853 Dutchess Turnpike, Poughkeepsie. Amount: $390,000.

Filed Sept. 22.

U.S. Bank N.A. Seller: Amy L. Haight, Poughkeepsie. Property: 1906 Cherry Hill Drive, Poughkeepsie 12603.

Amount: $114,500. Filed Sept. 28.

U.S. Bank N.A. Seller: David Viertel, et al, Bar Harbor, Me. Property: 4103 Highway 209, Stone Ridge 12484.

Amount: $249,626. Filed Sept. 18.

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Wilmington Savings Fund Society FSB. Seller: Fred W. Schaeffer, Poughkeepsie. Property: 8 McAllister Drive, LaGrange 12569. Amount: $253,500. Filed Sept. 28.

Wilmington Savings Fund Society FSB. Seller: Karen L. Schuppe, Cornwall-on-Hudson. Property: 127 High Meadows Road, Walden 12586.

Amount: $280,087. Filed Sept. 25.

Wilmington Savings Fund Society FSB. Seller: Mark Starkman, Highland Mills. Property: 337 Logtown Road, Port Jervis 12771. Amount: $210,000. Filed Sept. 25.

Wilmington Savings Fund Society FSB. Seller: Paul Marks, Montgomery.

Property: 262 Long Lane, Bloomingburg 12721. Amount: $318,842. Filed Sept. 25.

YMB Holdings LLC, Suffern. Seller: Charles L. Sundberg Jr., et al, Stanfordville. Property: in Hyde Park. Amount: $115,000. Filed Sept. 27.

JUDGMENTS

FIGURES Alpha Tech Enterprises Inc., Marlboro. $122 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Angela’s Pizza of Catskill Inc., Ulster Park. $861 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Apex and Wise Building Company Inc., Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Arianna’s Restaurant and Pizzeria of Ellenville Inc., Ellenville. $2,837 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Aztlan Lawnscape Inc., New Paltz. $200 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Bearsville Management LLC, Woodstock. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

U.S. Bank Trust N.A. Seller: Andrea Pawliczek, Montgomery. Property: 118 Kingston Ave., Port Jervis 12771.

Amount: $283,341. Filed Sept. 25.

190 Main St., Saugerties. $1,184 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Sept. 26.

U.S. Bank Trust N.A. Seller: Niki Quinn, Wappingers Falls. Property: 38 Kent Road, Wassaic 12592. Amount: $421,500. Filed Sept. 22.

303 Clinton Ave., Kingston. $213 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Veronica Heights LLC, Newburgh.

Seller: Dina L. Parker-Todd, et al, Newburgh. Property: 38 Liberty Street WH, Newburgh 12550. Amount: $85,000. Filed Sept. 22.

8’As Contracting Inc., Wallkill. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Chet-5 Entertainment LLC, Woodstock. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Walden Savings Bank, Montgomery. Seller: Michele Marte Indzonka, Newburgh. Property: in Newburgh.

Amount: $800,000. Filed Sept. 25.

9W Store Inc., Marlboro. $370 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Sept. 19.

Chikara LLC, Saugerties. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Weichert Workforce Mobility Inc., Morris Plains, N.J. Seller: Robert Wilcox, et al, West Hurley. Property: in Hurley. Amount: $299,000. Filed Sept. 20.

A and M Services Inc., Wallkill. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Wells Fargo Bank N.A. Seller: Andrea Durgin Pawliczek, Montgomery.

Property: 11 Ryan Place, Highland Mills 10930. Amount: $481,999. Filed Sept. 22.

AB Legal Resources Inc., Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Wells Fargo Bank N.A. Seller: James E. Nelson, Poughkeepsie. Property: 1 Rita Lane, LaGrangeville 12540.

Amount: $636,500. Filed Sept. 25.

Above All Auto Repair Inc., Highland. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

WF Masters REO LLC, New York City. Seller: Stacey Coburn, Cornwallon-Hudson. Property: 20 Laurel Ave., Cornwall-on-Hudson 12518. Amount: $240,022. Filed Sept. 25.

Wilmington Savings Fund Society FSB. Seller: Andrea D. Pawliczek, Montgomery. Property: 38 Keats Drive, New Windsor 12553. Amount: $368,038. Filed Sept. 25.

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Bivs Transport Inc., Milton. $1,139 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Charles G. Jones Pacers Autos, Ellenville. $1,568 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

CNC Associates Inc., Wallkill. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Comforttech Heating and Cooling Inc., Saugerties. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Doc Orders Inc., Esopus. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Above Standard Construction Inc., West Hurley. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Earleybird Daycare Corp., Highland. $112 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 19.

Ad Specialties Plus, Kingston. $868 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Eastern States Supply Company Inc., Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Empire Waste Services of Ulster County Inc., Ellenville. $245 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

GCIA Inc., Highland. $5,229 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Green Palette Corp., Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Green T Energy Inc., Saugerties. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

H and L Landscaping Company Inc., Ellenville. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Hook Slide Inc., Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Iron Grip Inc., Saugerties. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

J Lent and Sons General Contracting LLC, Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

J Whalen Roofing and Co., Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Jump Start Weight Loss and Wellness, Pine Hill. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Kenlex Distribution Inc., Hurley. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Kinetic Concepts LLC, Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Koala Bear Ltd., Woodstock. $4,562 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 19.

La Tree LLC, West Hurley. $2,992 in favor of the New York State Department of Labor, Albany. Filed Sept. 21.

Land and Sea Mobile Repair, Saugerties. $8,276 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Made By Mel, Glenford. $4,549 in favor of the New York State Department of Taxation and Finance, Albany.

Filed Sept. 26.

Mc Bee’s Family Hair Salon LLC, Wallkill. $104 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Mi Casita Restaurant, Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Next Step Properties Inc., New Paltz. $363 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Orange County Decorative Inc., Pine Bush. $154 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 26.

Pah-Hah Inc., Bearsville. $1,654 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Percy Dixon and Sons LLC, Wallkill. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Petals and Stems, Gardiner. $747 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 19.

Pinegrove Ranch Inc., Kerhonkson. $8,006 in favor of the New York State Department of Labor, Albany. Filed Sept. 21.

Rosendale Bible Church, Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Simhara Portal of the Heart LLC, Stone Ridge. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Soltanoff Chiropractic Center, Kingston. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Spencers Garage LLC, Kingston. $126 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 19.

Stress Free Lawn Care LLC, Lake Katrine. $1,255 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 19.

Congratulations to

Chuck Schwartz

CFO at Paraco Gas on his nomination for Westchester County Business Journal Chief Financial Officer of the Year We thank you for your leadership, vision, and contributions to Paraco Gas.

Charles F. Schwartz, Chief Financial Officer. Mr. Schwartz joined Paraco Gas in December 2007. Mr. Schwartz is a member of the Executive Committee and oversees all corporate administration and finance functions of the company. He comes to Paraco with over 15 years of CFO experience working for public companies in diverse industries.

Prior to joining the company, Mr. Schwartz was Chief Financial Officer of Hometown Auto Retailers, Inc., a regional auto group from 2001 to 2007. From 2000 to 2001 he was the Vice President and Chief Financial Officer for Staples Communications; a nationwide integrator of communications solutions. From 1993 to 2000 he was the Senior Vice President, Chief Financial Officer and Chief of Staff for People’s Choice TV Corporation, a wireless communications company. Mr. Schwartz is a Certified Public Accountant and a member of the AICPA and the NYSSCPA. He holds a BBA degree in accounting from Bernard M. Baruch College in New York City.

Founded in 1968, in Westchester County, Paraco is family owned and operated business recognized as the largest privately held propane company in the Northeast servicing over 85,000 customers from 22 distribution locations.

800 Westchester Avenue Suite S-604, Rye Brook, New York 10573 | ddevivo@paracogas.com Direct Line: (914) 250-3794 | Fax: (914) 251-9454 | Cell: (914) 714-2983

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OCTOBER 9, 2017

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FACTS

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Susmita Inc., Marlboro. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Trail Blazing Events Inc., Marlboro. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Will III Inc., New Paltz. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

SVL Properties LLC, New Paltz. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Tre Gemelli Corp., New Paltz. $307 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 19.

WW Landscaping, Ellenville. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

The Peterson House at the Woodstock Commune Inc., Woodstock. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

The Supply Captain Ltd., Marlboro. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Tondo Custom Concrete LLC, Goshen. $45,782 in favor of Tam Enterprises Inc., Goshen. Filed Sept. 25.

Utah Air Sports Inc., Gardiner. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

UTBS7NJD Inc., New Paltz. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

Wallkill Build and Design Inc., Wallkill. $1,033 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Sept. 27.

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

Any unknown heirs to the estate of Robert Germano, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $423,000 affecting property located at 2257 Route 9G, Staatsburg 12580.

Filed Sept. 28.

FIGURES Becovic, Becir, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $214,650 affecting property located at 2 Lindbergh Place, Poughkeepsie 12603. Filed Sept. 27.

Petroff, Stephen, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $120,000 affecting property located at 8 Old S. Plank Road, Newburgh 12550. Filed Aug. 17.

Bendell, R. Daniel, et al. Filed by Hudson Valley Federal Credit Union.

Action: seeks to foreclose on a mortgage to secure $78,000 affecting property located at 230 Farmer’s Turnpike, Gardiner 12525. Filed Sept.

21..

Roth, Darrin, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $329,095 affecting property located at 607 North Ave., Pleasant Valley 12569.

Filed Sept. 22.

Hale-Rude, Allison T., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $63,000 affecting property located at 119 Metzger Road, Red Hook 12571.

Filed Sept. 25.

Hinostroza, Juan, et al. Filed by HomeBridge Financial Services Inc. Action: seeks to foreclose on a mortgage to secure $173,469 affecting property located at 182 Plattekill Ardonia, Wallkill 12589. Filed Sept. 19.

Unknown heirs of the estate of Douglas F. Walters, et al. Filed

by Fareverse LLC. Action: seeks to foreclose on a mortgage to secure $202,500 affecting property located at 41 and 43 Hartwood Club Road, Sparrowbush 12780. Filed Aug. 18.

Josiah, Abby O., et al. Filed by Trustco Realty Corp. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 104 N. Hamilton St., Poughkeepsie 12601. Filed Sept. 26.

Zoldan, Joel, et al. Filed by TIAA FSB. Action: seeks to foreclose on a mortgage to secure $183,600 affecting property located at 4 Preshburg Blvd., Unit 104, Monroe 10950. Filed Aug. 17.

Llaverias, Cecilia, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $240,000 affecting property located at 14 Pond St., Poughkeepsie 12603. Filed Sept. 26.

MECHANIC’S LIENS

Lombardi-Labreche, Maria, 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 10 Balding Ave., Poughkeepsie 12601.

Filed Sept. 27.

Mannino, Robert S., et al. Filed by Douglas H. Casement. Action: seeks to foreclose on a mortgage to secure $605,500 affecting property located at 826 Dutchess Turnpike, Poughkeepsie. Filed Sept. 25.

Maset, Alicia, et al. Filed by Wells Fargo Home Mortgage Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 3 New Road, Fishkill 12524. Filed Sept. 25.

McGirr, Edward J., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $183,870 affecting property located at 16 Roberts Drive, Accord 12404. Filed Sept. 19.

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Schroeder, John F., et al. Filed by The Berkshire Bank. Action: seeks to foreclose on a mortgage to secure $122,000 affecting property located at 536 Riley Road, New Windsor. Filed Aug. 18.

Jornov, John W., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 19 Gleason Blvd., Pleasant Valley 12569. Filed Sept. 26.

Locurto, Danielle J., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $399,900 affecting property located at 55 Creekside Lane, Mountainville 10953. Filed Aug. 18.

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Russell, Garvin, et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $184,500 affecting property located at 125 Main St., Lake Katrine 12449. Filed Sept. 20.

1 EM LLC, as owner. $53,319 as claimed by Crystal Window and Door Systems Ltd., Flushing. Property: 1 E. Main St., Beacon. Filed Oct. 2.

151 Main St LLC, as owner. $39,517 as claimed by MJ Mechanical Services, Milton. Property: 151 Main St., Beacon.

Filed Sept. 29.

Auerbach, Kenneth, as owner. $1,020 as claimed by Dick’s Concrete Company Inc., New Hampton. Property: in Wawayanda. Filed Sept. 29.

Berkovic, Walter, as owner. $8,000 as claimed by Peter Leach, New Paltz.

Property: Whalen Drive, Montgomery. Filed Sept. 29.

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

Partnerships Sugar Valley Café, 218 Broadway, Newburgh 12550, c/o Carman Rondon-Velez and Dwight A. Monroe.

Filed Sept. 23.

The Vape Shop, 153 Temple Hill Road, Suite 6, Wallkill, c/o Cameron Carpenter and Richard J. Reed. Filed Sept. 26.

Sole Proprietorships Biz Globe, 57 Red Maple Way, New Windsor 12553, c/o Archana Shashikanth. Filed Sept. 22.

Columbia Storage Group, 2673 Route 302, Middletown 10941, c/o Ryan Mosca. Filed Sept. 26.

Ginella Jewelers, 220 Summit Drive, New Windsor 12553, c/o Gino Cracolici. Filed Sept. 26.

Grand Gluten Free Latino Bakery, 4 Seacord Drive, Campbell Hall 10916, c/o Ariana Noel Abramson. Filed Sept.

23.

Jared Kahmar Consulting, 226 W. Main St., Port Jervis 12771, c/o Jared M. Kahmar. Filed Sept. 26.

Lucky House Takeout Restaurant, 785 17M, Monroe, c/o Duan Lin. Filed Sept. 22.

Pine Island Trading Co., 4 Maplewood Drive, Newburgh 12550, c/o Daniel M. Dickinson. Filed Sept. 27.

Sweet Dees Sweet Treats, 578 Silverlake Scotchtown Road, Middletown 10941, c/o Delia Marie Ramos.

Filed Sept. 22.

T-Fab, 123 Carson Ave., Newburgh, c/o Marquis N.E. Taylor. Filed Sept. 26.

Berkovic, Walter, as owner. $8,000 as claimed by Peter Leach, New Paltz.

Property: Beamer Road, Montgomery 12549. Filed Sept. 29.

Lennar OHB LLC, Hamilton, N.J., as owner. $12,000 as claimed by Steven Construction, Newburgh. Property: 29 Sage Court, Middletown 10940.

Filed Sept. 27.

Lennar OHB LLC, Hamilton, N.J., as owner. $12,000 as claimed by Steven Construction, Newburgh. Property: 50 Cyprus Drive, Middletown 10940.

Filed Sept. 27.

NOTICE OF ANNUAL MEETING Notice is hereby given that the Annual Meeting of Members of Consumer Reports will be held at the CR Auto Test Center in Colchester, CT, on October 25, 2017, at 11 a.m.

Members are encouraged to submit their ballot electronically for the annual election of Directors of Consumer Reports, in accordance with the instructions provided with the ballot sent to the email address associated with your membership.

Completed ballots must be received

by Consumer Reports no later than October 16, 2017, at 11:59 p.m.

FALL LINE COMING SOON herdedeferme.com We use only the fur pelts gathered from alpacas that have passed from natural causes; an eco-friendly process that doesn’t harm our furry friends.

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OCTOBER 9, 2017

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OCTOBER 9, 2017

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OCTOBER 9, 2017

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WE KNOW HOW IMPORTANT YOUR FINANCIAL ADVISOR AND CPA ARE This is your chance to show your appreciation for all they do to keep you and your business in good financial shape.

Nominate them for the annual Westfair Communications “CPA and Financial Advisor Award” program.

CALL FOR NOMINATIONS Members of the Fairfield County, Westchester County and Hudson Valley business communities are encouraged to nominate, pursuant to the criteria, one or more candidates for the following categories to be judged by a panel of experts: AHEAD OF THE CURVE • Stays ahead of his or her respective discipline as it relates to new legislation and trends.

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

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OCTOBER 9, 2017

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SAVE THE DATE

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LEGAL NOTICES 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 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 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 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 Notice of Formation of Real Thai Rolled Ice Cream, LLC Art. Of Org. filed with SSNY on 8/29/17. 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, United States Agent Inc. 7014 13th Ave Suite 202 Brooklyn NY 11228. Purpose: any lawful purpose. #61354 Ake Food LLC. Filed 8/25/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 113 New Main Street, Yonkers, NY 10701 Purpose: all lawful #61355 Jumpstart Subject Matter Experts, LLC. Filed 5/22/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: PO Box 1246, White Plains, NY 106061953 Purpose: all lawful #61356 Bruckner Transport LLC. Filed 8/17/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water Street Ste 204, White Plains, NY 10601 Purpose: all lawful #61357 Notice of formation of Coastal Quant Partners, LLC. Articles of Org. filed with NY Secretary of State (SSNY) on August 03, 2017, office location: Westchester County, SSNY is designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, c/o United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228. Purpose: any lawful purpose. #61359

Robotics N Codes for kids, LLC doing business as RoboThink Westchester, NY. Articles of Organization were filed with the Secretary of State of New York (SSNY) on 08/24/17. Office location: Westchester County. SSNY has been designated as agent of the LLC, upon whom process against it may be served. SSNY shall mail a copy of process to: United States Corporation Agents, Inc. 7014 13th Avenue, Suite 202, Brooklyn NY 11228 Principal Business Location: 1 Chateaux Circle, 1K, Scarsdale NY 10583 Purpose: any lawful business activity. #61360 Notice of formation of Limited Liability Company (ìLLCî). Name: 1055 Construction Services LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on September 1, 2017. N.Y. office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to 1055 Construction Services LLC, 1055 Saw Mill River Road, Suite 204, Ardsley, New York 10502. Purpose/character of LLC is to engage in any lawful act or activity. #61361 Notice of formation of Limited Liability Company (ìLLCî).Name: TriMont Development and General Contracting LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on September 1, 2017. N.Y. office location: Westchester County.

The SSNY has been designated as agent of the LLC upon whom process against it may be served.

The SSNY shall mail a copy of any process to TriMont Development and General Contracting LLC, 162 Washington Avenue, New Rochelle, New York 10801. Purpose/character of LLC is to engage in any lawful act or activity. #61362 111-39 76th Road LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 8/31/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 111 N. Central Park Ave., Ste. 400, Hartsdale, NY 10530.

General Purpose. #61363 Notice of Formation of 1075 YONKERS AVENUE LLC. Principal Office Westchester County. Secretary of State of NY (SSNY) designated as agent for service of process. SSNY shall mail a copy of any process served against the LLC to 1075 Yonkers Avenue, Yonkers, NY 10704 Articles of Organization of the LLC filed with the SSNY on August 11, 2017. Purpose: Any lawful act(s) #61365 Notice of formation of 103 Tennessee, LLC. Articles of Organization filed with the Secretary of State of New York SSNY on September 7, 2017. Office location in Westchester County. SSNY has been designated for service of process. SSNY shall mail copy of any process served against the LLC to 38 Truesdale Lake Drive, South Salem, New York 10590. Purpose: any lawful purpose. #61367 41-43 Middle Pond Road Associates LLC. Filed 9/5/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St Ste. 204, White Plains, NY 10601 Purpose: all lawful #61368 41-45 MPR Associates LLC. Filed 9/12/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St. Ste. 204, White Plains, NY 10601 Purpose: all lawful #61369 Bluestone 41-45 LLC. Filed 9/12/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St. Ste. 204, White Plains, NY 10601 Purpose: all lawful #61370 41-43 Middle Pond Road Holding LLC. Filed 9/5/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St. Ste. 204, White Plains, NY 10601 Purpose: all lawful #61371 41-45 MPR Holding LLC. Filed 9/12/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St. Ste 204, White Plains, NY, 10601 Purpose: all lawful #61372

GQBD, LLC. Art. of Org filed with SSNY on 9-5-17. Office loc: WESTCHESTER County. SSNY designated as agent upon whom process against it may be served and shall mail any process to LLC at 75 Random Farms Dr. Chappaqua, NY 10514. Purpose: any lawful #61373

Notice is hereby given that an on-premise license, #TBA has been applied for by Lusiadas Inc. to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 6 Gramatan Ave Mt. Vernon NY 10550. #61384

Notice of Formation of ATLAS Maintenance Services LLC Art. Of Org. filed with SSNY on 9/11/17. 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, 72 Park Dr Mount Kisco, NY 10549. Purpose: any lawful purpose. #61375

BABBITT ROAD PARTNERS LLC Art. of Org. filed with NY Secy. of State on 09/08/2017. 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: 167 Perry Street, 5D, New York, New York 10014 (the LLCís primary business location). LLC may engage in any lawful act or activity for which a limited liability company may be formed. #61385

48 Brookdale LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/15/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to Daniel Demasi, 66 E. Brookside Dr., Larchmont, NY 10538.

General Purpose. #61376 Notice of Formation of OíDonovan Communications, LLC. Art. of Org. filed with SSNY on 9/7/17. Offc.

Loc: Westchester Cty. United States Corporation Agents, Inc., 7014 13th Avenue, Suite 202, Brooklyn, NY 11228 desig. as agent of the LLC upon which process may be served.

US Corp Agents shall mail process to the LLC, 230 Forest Avenue, Rye, NY 10580. Purpose: any lawful purpose. #61377 Notice of formation of Limited Liability Company (ìLLCî). Name: Quintessential Associates LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on September 15, 2017. N.Y. office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to Quintessential Associates LLC, 162 Washington Avenue, New Rochelle, New York 10801. Purpose/character of LLC is to engage in any lawful act or activity. #61378 Notice of Formation of S and S Longview Ave, LLC. Articles of Organization filed with the Secretary of States of New York (SSNY) on 9/15/2017. Office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The Secretary of State shall mail a copy of any process to the LLC at its Principal Business Location, 47 Longview Ave., White Plains, NY 10605, Attn: Stuart Madden. Purpose: Management of Residential Property. #61379 Notice of Formation of Accepted U College Consulting Associates, LLC Art. Of Org. filed with SSNY on 09/05/2017. Offc. Loe: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 140 Warren Ave Hawthorne, NY 10532. Purpose: any lawful purpose. #61380 Notice of formation of PRECISION MASSAGE THERAPY PLLC, Art. Of Org. filed with the Secy. of State of NY (SSNY) on 8/17/17. Office location: Westchester Cty. SSNY designated as agent of the PLLC upon whom process may be served.

SSNY shall mail a copy of process to the PLLC, 50 Main St., Suite 1000, White Plains, NY 10606. Purpose: Practice the profession of Massage Therapy. #61381 Notice is hereby given that an on-premise license, #TBA has been applied for by Iron Vine Corp d/b/a Iron Vine to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 992 Main Street Peekskill NY 10566. #61382 Notice is hereby given that an on-premise license, #TBA has been applied for by Mansion Estates Inc. d/b/a Mansion On Broadway to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 139 North Broadway Rye NY 10603. #61383

CGDG LLC Art. of Org. filed with NY Secy. of State on 09/08/2017. 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: 465 Long Ridge Road, Bedford, New York 10506 (the LLCís primary business location). LLC may engage in any lawful act or activity for which a limited liability company may be formed. #61386 Notice of Formation of ASL Floor Installation & Repair LLC. Arts. of Org. filed with SSNY on 07/07/2017.

Office location: Westchester County.

SSNY designated as agent of LLC upon whom process may be served.

SSNY shall mail process to 674 Harrison Ave Peekskill, NY 10566 Purpose: any lawful act or activity. #61387 Notice of Formation of 990 Mclean LLC. Principal office Westchester County. Secretary of State of NY (SSNY) designated as agent for service of process. SSNY shall mail a copy ofany process served against the LLC to 120 Hyatt Avenue, Yonkers, NY 10704. Articles of Organization of the LLC filed with the SSNY on September 21, 2017’.

Purpose: Any lawful act(s). #61388 R.S. PEPE - AUTOMOTIVE EVENTS, LLC Articles of Organization filed 9/25/17; SSNY; Westchester County, New York; SSNY designated as agent of LLC upon whom process may be served. Address for mailing copy of process: 5 Dove Ct, Ste A, Crotonon-Hudson, NY 10520; Purpose: any lawful purpose; Perpetuity. Name and address of Organizer: Roderick J. MacLeod, Esq., 80 Washington St, Ste 301, Poughkeepsie, NY 12601 #61389 Red Moon Tea LLC. Date of filing Articles of Organization with the Secretary of State (SSNY) 9/21/2017.

The LLC is located in Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The post office address to which the SSNY shall mail a copy of any process against it served is to the registered agent location at c/o United States Corporation Agents, Inc. 7014 13th Ave Suite 202, Brooklyn NY 11228. Purpose of business of LLC is any lawful act or activity. #61390 THE ANNUAL RETURN OF THE PEG SANTVOORD FOUNDATION for the fiscal year ended June 30, 2017 is available at its principal office located at 800 Westchester Avenue, Suite S-618, Rye Brook, NY 105731373 for inspection during regular business hours by any citizen who requests it within 180 days hereof.

Principal Manager of the Foundation is RUSSELL J. HANDELMAN. #61391 Notice of Formation of Rob Purdie, LLC Art. Of Org. filed with SSNY on 8/28/17. 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, 1 Shorthill Rd. Ardsley, NY 10502. Purpose: any lawful purpose. #61392 Notice of Formation of Danny’s Cycles Wolfs Lane LLC Art. Of Org. filed with SSNY on 10/01/17. 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. #61393

Nao LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/18/17. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 240 Central Ave., White Plains, NY 10606 . General Purpose #61394 Notice of Formation of Leveraging Literacy, LLC. Art. Of Org. filed with Secretary of State of New York (SSNY) on 9/18/17. 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, 49 Loh Ave., Tarrytown, NY 10591. Purpose: any lawful purpose. #61395 Notice of Application for Authority to do business in New York of SUNSUP HOME SOLUTIONS LLC (ìLLCî).

Application for Authority filed with the Secretary of State (ìSSNYî) 8/10/17. The LLC formed in Neveda (ìNVî) on 4/20/17. Office location is 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 such process to the LLC c/o 7 Granada Crescent Apt 22, White Plains, NY 10603. Office address is c/o 7 Granada Crescent Apt 22, White Plains, NY 10603. Copies of Certificate of Organization of LLC are on file and may be obtained from the Secretary of State of NV, Nevada State Capitol Building, 101 North Carson Street, Suite 3, Carson City, NV 89701. Purpose of business of LLC is any lawful act or activity. #61396 P.M. Gillen, LLC. Arts. of Org. filed with the SSNY on 09/20/2017. Office: Westchester Cty. SSNY designated as agent of the LLC upon whom process against it may be served.

SSNY shall mail copy of process to the LLC, 47 Keats Ave. Hartsdale, NY 10530. Purpose: Any lawful purpose. #61398 Name of Limited Liability Company (LLC): Clive’s Home Improvement LLC. Date of filing Articles of Organization with the Secretary of State (SSNY) was on 08/07/17.

The LLC is located in Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The post office address to which the SSNY shall mail a copy of any process against it served is at 84 Harding Avenue, White Plains, NY 10606. Purpose of business of LLC is any lawful act or activity. #61399 Notice of Formation of 345 East 80th Street, Apt. 3H, LLC. Art. of Org. filed with Secy of State of NY (SSNY) on 9/5/17. Office location: Westchester. SSNY designated agent upon whom process may be served. SSNY shall mail copy of process served against the LLC to Linda Grace John, 3 Chalmers Blvd, Amawalk, NY 10501. The principal business address of LLC is 3 Chalmers Blvd., Amawalk, NY 10501.

Purpose: any lawful act or activity. #61400 Notice is hereby given that an on-premise license, #TBA has been applied for by Purdy Ave. Syndicate LLC d/b/a Town Dock to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 15 Purdy Avenue Rye NY 10580. #61401

NEW CASTLE FIRE DISTRICT No. 1 ADVERTISEMENT FOR BIDS NOTICE TO CONTRACTORS Sealed bids for the NEW CASTLE FIRE DISTRICT No. 1 ( Owner ) site remediation and demolition project (the Demolition Project ), will be received by the NEW CASTLE FIRE DISTRICT No. 1 Board of Fire Commissioners for the following work: Work consists of all labor, tools, materials and equipment necessary to perform site remediation, asbestos and universal waste abatement, storage tank removal and demolition of building and other structures at 495 King Street, Chappaqua, NY. Bids for the above Contract will be received by the NEW CASTLE FIRE DISTRICT No. 1 Board of Fire Commissioners, until 2:00 pm on October 26, 2017, at the office of the NEW CASTLE FIRE DISTRICT No. 1 Board of Fire Commissioners (the Owner ), 491 King Street, Chappaqua, NY 10514. At such time all Bids shall be publicly opened and read aloud in the Meeting Room of the Owner's Office, 491 South Greeley Avenue, Chappaqua, NY 10514.

CONSTRUCTION MANAGER (CONSTRUCTION MANAGER) WCD GROUP 1350 Broadway, Suite 1904, New York, NY 10018 TELEPHONE: 212-631-9000 Fax: 212-631-8066 Contract Documents, including Instructions for Bidders, Bid Forms, Drawings and Specifications for the proposed project will be available for pickup at the NEW CASTLE FIRE DISTRICT No. 1 (the Owner ), Board of Fire Commissioners' Administrative Office, 491 King Street, Chappaqua, NY 10514, Telephone: 914-238-6287 on the following dates and times: October 5, 6, 9-13, 16, 18, 20, 23 and 25 between 3:00 PM and 5:00 PM. Contractors needing to make alternative arrangements can call the district office at 914-238-6287. Copies of said Contract Documents can be obtained for a refundable fee as described below. Make separate checks or money orders, for each set, payable to NEW CASTLE FIRE DISTRICT No. 1: Contract Documents: $50.00 per each set Shipping and Handling: $15.00 (Non-Refundable) Any Bidder, upon returning the Contract Documents in good condition to the NEW CASTLE FIRE DISTRICT No. 1 will be refunded full deposit on first set and 50% deposit on additional sets, if returned within thirty (30) days.

All Contract Documents may be examined at the Owner's Administrative Office.

All bids shall be submitted on the Bid Forms accompanying the Specifications and in accordance with the Instructions for Bidders and shall not be removed from the Contract Documents. Bids shall be addressed to: NEW CASTLE FIRE DISTRICT No. 1, 491 King Street, Chappaqua, NY 10514, Attention: Anthony Oliveri, Chairperson and shall be in a sealed envelope marked: Bids to be marked: NEW CASTLE FIRE DISTRICT No. 1, DEMOLITION PROJECT Attention: Anthony Oliveri, Chairperson Bids shall be signed by the bidder and if the Bidder is bidding as an individual, the Bidder shall add its business address and place of residence. In the case of a partnership, the names and residence of each partner shall be inserted. In case a bid shall be submitted by or in behalf of a corporation, the corporate name and address of the bidder shall be followed by the signature of the authorized corporate officer and its corporate office shall be set forth therein. In case a bid shall be submitted by or in behalf of a limited liability company, the limited liability company name and address of the bidder shall be followed by the signature of the authorized manager or member and its office shall be set forth therein.

Each Bid must be accompanied by a Bid Bond in substantially in the form provided in the Bid Specifications or Certified Check payable to NEW CASTLE FIRE DISTRICT No. 1 in an amount not less than 5% of the Bid. The NEW CASTLE FIRE DISTRICT No. 1 will hold a Pre-Bid Meeting, located at COMMISSIONERS ROOM, 491 King Street, Chappaqua, NY 10514 on October 12, 2017 at ll:OOAM. The NEW CASTLE FIRE DISTRICT No. 1 is an equal opportunity and affirmative action purchaser. Bids from all vendors, including those from MBEs, WBEs and SBEs are encouraged. Non-collusive bidding certifications must be signed and attached to all bids.

The NEW CASTLE FIRE DISTRICT No. 1 Board of Fire Commissioners reserves the right to reject any and all bids and to award the contract to the Bidder deemed to be for its best interest and further reserves the right to consider bids for a period of forty-five ( 45) days from the date of receipt thereof.

NEW CASTLE FIRE DISTRICT No. 1 Board of Fire Commissioners Dated: 9/28/17 Anthony Olivieri, Chairperson # 61397

Notice is hereby given that an on-premise license, #TBA has been applied for by 92 Purdy Ave. Restaurant Corp. d/b/a Noma’s Restaurant to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 92 Purdy Avenue Port Chester NY 10573. #61402 Blazing Paths With FastPitch Softball LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/29/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 45 Halcyon Ter., New Rochelle, NY 10801. General Purpose. #61403 Notice of Formation of PrepRx, LLC. Arts. ofOrg. filed with SSNY on 01/12/2016. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to PrepRx, LLC, 27 Burnsdale Ave, Valhalla, NY 10595. Purpose: any lawful act or activity. # 61358

WCBJ

OCTOBER 9, 2017

47

You want more: Plans. Access. Value.

THE BENEFITS OF BEING DEMANDING. Empire small business health plans.

More network doctors than anyone.

To make it as a small business in New York, you have to be unwilling to settle. It’s the same with health plans.

At Empire, we give you access to more of New York Magazine’s Top Doctors — 18 years in a row.1 Plus, the largest physician network in our service area — 25% more than the competition.2 And, through the BlueCard network, national access to 93% of providers and 96% of hospitals — more than any other health plan in America.3 Even adult vision care with every plan.

We also have something all savvy business owners want: more plan choices, access and value. So, if you demand more from the people you do business with, talk to Empire today.

Demand more from your health plan.

Call your broker or go to youdemandmore.com.

1

Based on New York Magazine’s 2017 “Best Doctors” issue reflecting data from Castle Connolly Medical Ltd.’s annual database.

2

Empire’s 28-county service area and competitor network information based on Netminder Physician Head Count Summary May 2016.

2017, Blue Cross Blue Shield Association, www.bcbs.com Blue Cross and Blue Shield Association PPO/EPO network comparison data from websites of other national carriers as of 2016. Network data include the BlueCard program’s extensive networks of doctors, hospitals and other providers that participate in independent Blue Cross and Blue Shield plans across the country.

3

Services provided by Empire HealthChoice HMO, Inc. and/or Empire HealthChoice Assurance, Inc., licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans.

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