Westchester County Business Journal 111218 by Westfair Business Journal

WHITE PLAINS APARTMENTS

CONVICTIONS AND JOB APPLICANTS

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6&7 NOVEMBER 12, 2018 | VOL. 54, No. 46

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Dems make gains on state, national levels; Cuomo re-elected, Lamont wins Connecticut

Antonio Delgado

BY KEVIN ZIMMERMAN kzimmerman@westfairinc.com

oth New York and Connecticut have Democratic governors. Andrew Cuomo was named the winner of the New York gubernatorial race shortly after polls closed on Nov. 6, while Republican Bob Stefanowski conceded the Connecticut race to Ned Lamont the following morning. Unofficial results showed Lamont up nearly 18,000 votes to Stefanowski with 94 percent of the state reporting, according to the office of Secretary of the State Denise Merrill, who also won re-election. In congratulating Lamont, outgoing Democratic Gov. Dannel » DEMOCRATS

Two store openings highlight the Cortlandt Crossing Shopping Center.

BY RYAN DEFFENBAUGH ShopRite, rdeffenbaugh@westfairinc.com Homesense new 65,000-squareopenings mark foot ShopRite has opened in Cortlandt milestone Crossing Shopping Center, repa milestone in the for Cortlandt resenting development of the newest retail center in the town from Acadia Crossing Realty Trust.

The opening follows closely that of Homesense, an off-price home goods store that serves as

the plaza’s second anchor tenant and was the first business to open in the newly constructed plaza. ShopRite officials opened the new store for a media tour Nov. 2, as employees scurried to finish stocking fruit displays and tidy up aisles for the premiere. Two days later, the store opened with a ceremony that included corporate and local elected officials. The store marks an expansion in the town for the grocer, which previously operated a smaller store less than a mile away on Route 6 at 2094 East

Main St. That store closed. Jon Paul Lake, store director for the new grocery location, said the company had simply outgrown its former location and wanted to offer customers more choices. The larger space provides wider aisles, a larger customer pickup and delivery center and expansions of the bakery, dairy, meats and fruit and produce departments. The store includes a smoothie bar for customers as well, a new » SHOPRITE

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White Plains: LCOR shifts plans for second Continuum tower to add 36 more apartments, new style of units BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

here’s been a slight change in plans for the second phase of one of White Plains’ most significant downtown apartment developments, The Continuum. The change would bring more units with smaller footprints. The city is reviewing plans from Pennsylvania-based property developer LCOR Inc. that would add 36 apartments to the second phase tower of the Continuum, the more than 500-unit apartment development at 55 Bank St. near the White Plains train station. The first part of the estimated $250 million project — a 16-story tower with 288 apartments — started leasing in late 2017 before celebrating a grand opening this spring. The phase one tower is about 80 percent leased, the development team told the planning board in October. The amended plans for the second tower, the project’s architect said at the October meeting, are driven by changes in market demand the building’s leasing team observed after opening the first tower. “There was a little bit of feedback that the units were too big and they weren't at the right price point,” said Paul Albano, a partner at Manhattan-based SLCE Architects. “We looked at trying to make it a little more efficient.” The developer is seeking an amendment to a site plan the city first approved in 2009 for the property. The new plan increases the apartment unit total on the second tower by 36 to reach 309. The first building, on the north side of the property, contains 288 units. While the towers were initially approved to be the same height, the new plan for the 16-story south tower raises its height about 10 feet and decreases the building width by about 6 feet. With the changes, the square footage for the property actually decreased by about 200 square feet, the development team told the planning board, to about 320,000 square feet. William Null, an attorney representing LCOR, said the changes give the Continuum “a better

NOVEMBER 12, 2018

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A rendering of the Continuum with its second tower planned. Inset photo: The Continuum as it is now.

mix by having the north tower and south tower not be identical.” “When people come to look for places to live, we’ll have a greater variety of options for them,” Null told the planning board. In the first tower, studios range from 523 to 587 square feet and are priced between $2,120 and $2,380 per month, the Business Journal reported at the building’s opening. One-bedrooms range in size from 710 to 732 square feet with monthly rents ranging from $2,680 to $3,020, and two-bedroom residences, ranging from 1,184 to 1,256 square feet, are priced from $3,845 to $4,220 per month. Albano said the change in the second tower would allow LCOR to introduce a new unit type for the property, which he described as a junior one-bedroom. They’d be similar to studios, he said, but with an alcove area. LCOR has also requested a waiver from the city to forgo the addi-

tional 36 parking spaces required for the added units. Null said the developer’s traffic study has indicated the spaces aren’t needed, but they could later be added if the city decides otherwise. The plan will require final approval from the city’s common council. The Continuum represents one of White Plains’ longest-running major development projects, dating back to pre-recession times in the city. LCOR purchased the property, previously a municipal parking lot, from the city for $15.5 million in 2007, with plans to build apartments. But the project stalled following the financial crisis in 2007 and 2008 and subsequent recession. LCOR’s previous financial partner, Lehman Brothers, went bankrupt in 2008. The project languished until 2015, when LCOR announced it had received an $80 million construction loan from Wells Fargo

and had replaced the Lehman Brothers financial partnership with one with the California State Teachers’ Retirement System. The developer also received tax incentives from the Westchester County Industrial Development Agency. LCOR broke ground on the first tower in November 2015 and welcomed the first residents three years later. The apartments have been warmly received in a city that is trying to bring more residential life to the area near its train station. Last year, the city published a request for expressions of interest for three city-owned properties, along with a parcel owned by the city’s Urban Renewal Agency, near its train station. The city is seeking a private partner to develop the land in a way that fits with a mixed-use residential vision White Plains officials established through a million-dollar state planning grant.

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Bronxville, Rye train stations hunt for retailers BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

oth Bronxville and Rye are looking to fill empty storefronts in their train stations. The Metropolitan Transportation Authority published separate requests for proposals to lease retail space. The MTA hired Cushman & Wakefield to help market the properties. The announcement noted that both communities rank often among the most affluent in the U.S. Carl Wunderlich, director of brokerage services at Cushman & Wakefield, said each property is "perfect for a café or amenity use. It’s about convenience and comfort, improving customer amenities and making each venue more appealing for commuters and residents alike who would welcome an upgrade to the current facilities."

The space in the Bronxville station is about 2,800 square feet, according to Cushman & Wakefield, and sits in a train station that serves about 3,300 riders daily during weekdays. The Bronxville space could also work as a smaller office for a company looking for a high-visibility location, Wunderlich said, but retail is the likely use for each space. The Rye train space is about 2,000 square feet. The train station there serves an estimated 2,240 riders daily during the week. Retail operations for both spaces have come and gone through the years, but Wunderlich said the MTA's goal now is to "reactivate" the spaces with tenants that could provide a service for commuters and the surrounding areas. The Bronxville train station, built in 1916, recently received renova-

Bronxville train station.

tions, he said. The ticket offices for both stations would remain in the buildings, the announcement from the MTA and Cushman & Wakefield noted. The MTA will review proposals and choose the tenants. The deadline for proposals at Bronxville is 5 p.m. on Friday, Nov. 16, and for Rye by 5 p.m. on Friday, Nov. 30.

Rye train station. Photos provided by the MTA.

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ShopRite—

offering compared to the previous location. “The old building was a little tight for us, so we were able to expand here to really expand our offerings and try to get as much variety as we can for our guests,” Lake said. “We understand that’s really what our guests want. They want more variety, more choices, at affordable prices.” The tour stressed customer amenities that ShopRite officials say make it stand out in the grocery market. The store has in-house trained artisan butchers, daily deliveries of fresh seafood and a dairy section Lake said is about 40 percent larger to allow for a wider variety of popular niche items, such as gut health probiotics and

Once completed, the plaza will include a 104,000-squarefoot main building and three stand-alone buildings with about 400 parking spaces. Acadia also owns and operates Cortlandt Town

Center, a shopping center across the street that is home to Walmart, Marshalls, PetSmart, Barnes & Noble and Best Buy among other tenants. The ShopRite open-

ing comes just two weeks after Cortlandt Crossing had its first grand opening. Homesense, a Canadian chain of discount home furnishing stores operated by TJX Companies, opened in October in a 25,000-squarefoot store opposite ShopRite as part of a planned expansion into the U.S. “We could not have identified two better anchor tenants to lead the opening of Cortlandt Crossing,” said Christopher Conlon, executive vice president and chief operating officer of Acadia Realty. “These anchors resonate perfectly with the communities in and around Cortlandt, but also provide relevance and enthusiasm with the other retailers we expect to join the project in 2019.” There is a roughly 12,000-square-foot retail

space that sits between Homesense and ShopRite, for which a tenant has not yet been announced. The three stand-alone buildings in the master plan are 9,000, 8,000 and 5,000 square feet. Verizon will open a 3,000-square-foot store in the 9,000-square-foot standalone building, which is still under construction. Conlon told the Business Journal in July that food tenants will be included in the mix for the other spaces. Conlon said Nov. 5 to expect announcements for tenants of the additional spaces next year. Construction of the entire center is expected to wrap up halfway through 2019. Acadia Realty also owns the Bedford Green Shopping Center in Bedford Hills and the Crossroads Shopping Center in White Plains.

beat freshman Republican John Faso 49.8 percent to 47.6 percent with 94 percent of the vote reported. The Democratic Party won at least 35 of the state Senate’s 63 seats as of press time, ending the longstanding Republican dominance of that chamber. The Democrats also have a wide majority in New York’s 150-seat Assembly. In Connecticut, U.S. Sen.

Chris Murphy won re-election handily over Republican opponent Matthew Corey, 58.4-40.5 percent. Democrats also won all five U.S. House seats as John Larson, Joe Courtney, Rosa DeLauro, Jim Himes and Jahana Hayes will represent the state. Hayes will be the first African-American woman to represent Connecticut in Congress.

Democrats—

Malloy took a swipe at President Donald Trump: “Connecticut spoke loud and clear that we stand for fairness, inclusivity and decency — that the politics of President Trump have no home here, that we resoundingly reject his politics of division, falsehoods and empty promises.” The Partnership for Strong Communities, Connecticut’s leading nonpartisan housing policy and advocacy organization, issued a statement congratulating Lamont. “As his administration aims to bring new business development to Connecticut and expand economic opportunity for families, we urge the governor elect to prioritize the continued progress towards ending homelessness, and preservation and expansion of affordable housing options for all residents across the state,” PSC Executive Director Alicia Woodsby said. “With the sixth-highest median housing costs in the country, Connecticut’s high cost of living creates a substantial burden to families’ budgets and to economic growth for local communities and businesses alike,” she said. “Connecticut should be a place anyone can call home, no matter their race, income or hometown and we

organic milks and yogurts. The expanded Cortlandt store represents the latest in a series of investments from the store chain, which is part of the New Jerseybased Wakefern Food Corp., the largest supermarket cooperative in the U.S. ShopRite also last year expanded and renovated its store in Croton-onHudson and plans to open a 70,000-square-foot store in Mount Kisco at 333 N. Bedford Road, a mostly industrial plaza owned by Diamond Properties that the village OK’d for retail use earlier this year. ShopRite is the anchor tenant for Cortlandt Crossing, an estimated $65 million, 130,000-square-foot commercial retail center along the north side of the Route 6 corridor. Acadia started construction in October 2016.

NOVEMBER 12, 2018

GOVERNOR

NEW YORK

SENATOR

37%

59% Andrew Cuomo (D) Marc Molinaro (R)

hope to see the new administration make that a reality.” In addition, Democrats are now in control of both state legislatures, reflecting the general national trend. Of the 435 seats in the U.S. House of Representatives, Democrats are now in control of that chamber, taking control from Republicans: the latest count on Nov. 7 was 219-193, with 23 seats yet to be declared. On the U.S. Senate side, Republicans maintained control by a 51-43 majority, with the remainder of the seats yet to be called. As expected, incumbent New York Gov. Andrew Cuomo cruised past Republican challenger and Dutchess County Executive Marc Molinaro by a 59-36.8 percent majority, with 99 percent of the votes counted. Cuomo, who was

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CONNECTICUT SENATOR

33%

67% Kirsten Gillibrand (D) Chele Farley (R)

first elected in 2010, will begin his third term in January. The governor also underscored what many believed the midterm elections nationwide to be: a referendum on Trump and his policies. “New York is not buying what President Trump is selling,” Cuomo said. “We know his type too well.” Cuomo has repeatedly dismissed persistent talk that he has an eye on running for the presidency in 2020 — talk which is likely to heat up again after his strong showing. U.S. Sen. Kirsten Gillibrand, another potential 2020 candidate, was also easily re-elected, besting Republican challenger Chele Chiavacci Farley, a financial industry veteran and political newcomer, by a 66.6-33.4 percent majority. Democrat Letitia James,

41%

58% Chris Murphy (D) Matthew Corey (R)

the New York City public advocate, became the first African-American woman to be elected state attorney general, defeating Republican lawyer Keith Wofford by a 60.9-33.1 percent majority. Democrat State Comptroller Thomas DiNapoli dispatched his Republican rival Jonathan Trichter, 65-29.8 percent. On the U.S. House of Representatives side, Democrats held all three Westchester County districts: Eliot Engel of the 16th District ran unopposed; Nita Lowey held the 17th with an 87.912.1 percent majority over Joe Ciardullo; and Sean Maloney bested James O’Donnell in the 18th, 55.1-44.9 percent. In the 19th House District, which covers a wide swath of the Hudson Valley, Democratic newcomer Antonio Delgado

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Thousands of new apartments heading to White Plains BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

ith more than 3,000 new apartment units either proposed, under construction or having opened in the past year, it can be difficult to keep track of who is building what where. To help, the Business Journal has compiled a list of some of the apartment development projects in the city over the past year â&#x20AC;&#x201D; big and small. Some have opened, some are under construction and others are still under review by the city. Look through the map, which starts at North Broadway in the city and winds through the downtown, with the following brief descriptions of each development project.

440 HAMILTON

Status: Approved by city Total new apartments: 468 Rose Associates, a longtime residential developer and manager in New York City, received approvals in September for its plan to convert the 350,000-square-foot office tower at 440 Hamilton Ave., long a home to AT&T, into 468 apartments. The project includes additional buildings on a lot on the Barker Avenue side of the property currently used for parking.

HAMILTON GREEN

Status: Approved by city Total new apartments: 860 From Port Chester Street-Works Development, plans here will turn an outdated mall into four distinct apartment towers with an open public green. The mall was approved by the city in September to be replaced by 860 apartments; 85,000 square feet of retail and restaurant space; 27,000 square feet of coworking and flexible office space and a 40,000-square-foot open green space accessible to the public from all four sides of the property

LENNAR MAMARONECK AVENUE APARTMENTS

Status: Approved by city, construction starts early 2019 Total new apartments: 434 City officials gave the OK last year to this 16-story apartment tower complex, which stretches from the corner of East Post Road and Mamaroneck Avenue to the corner of Mamaroneck Avenue and Mitchell Place. Plans call for a mix of studios and apartment units ranging from one to three bedrooms. The apartments would be spread across three building segments on the 2.1-acre site: two 15-story buildings and a 6-story building. Included in the project is 8,000 square feet of ground-level retail and restaurant space on Mamaroneck Avenue.

NOVEMBER 12, 2018

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GOOD COUNSEL

97-111 HALE AVE., 100-104 HALE AVE

LENNAR MAMARONECK AVENUE APARTMENTS

440 HAMILTON

WESTCHESTER PAVILION REDEVELOPMENT

CITY SQUARE

HAMILTON GREEN

199-201 E. POST ROAD

THE CONTINUUM

THE COLLECTION

ONE DEKALB

NORDEN LOFTS

97-111 HALE AVE., 100-104 HALE AVE.

Status: Under city review Total new apartments: 127 Here, two apartment buildings have been proposed for vacant lots by a joint venture of Armonk-based Saber Real Estate Advisors LLC and New Jersey’s Diversified Realty Advisors LLC. The proposal calls for an 8-story building and a 7-story building, across the street from each other, containing 127 apartments total. Each building would have two levels of basement parking, totaling 170 spaces.

CITY SQUARE

Status: Publicly announced Total new apartments: unknown While no official plans have been filed yet, big name Westchester developer Martin Ginsburg announced residential conversion plans shortly after buying the Westchester Financial Center, along with Robert Martin Co. The full vision is to renovate one of the office towers, 50 Main St., and convert half of its neighboring tower at 1-11 Martine Ave. to apartments. Those two buildings would join with an apartment tower on the same block that Ginsburg already owns to create "City Square." City Square's focal point, as Ginsburg described previously, would be a 2-acre central court with a quarter-mile “walk-around” guiding pedestrians through landscaped areas, a water fountain, sculptures and an outdoor lounge and sun deck.

NORDEN LOFTS

Status: Opened in October Total new apartments: 65 The first new apartments to come of the city's rezoning on Westmoreland Avenue, Norden Lofts features 65 apartments from a converted warehouse once home to Norden Systems, an electronics research and development company.

THE COLLECTION

Status: Approved by city Total new apartments: 276 A $120 million project aims to remake the city's downtown eastern entrance

along Westchester Avenue. From the development team behind Rivertowns Square, The Collection will add about 25,000 square feet of retail and restaurant space along with 276 apartments spread between Westchester Avenue and Franklin Avenue. The city approved a site plan for the project in April.

WESTCHESTER PAVILION REDEVELOPMENT

Status: Under city review Total new apartments: 814 Lennar Multifamily Communities made a big splash in White Plains in 2015 when it proposed an estimated $275 million project to tear down the largely vacant Westchester Pavilion mall on South Broadway and Maple Avenue and build in its place two, 24-story residential towers with 707 rental apartGOOD COUNSEL ments and ground-floor retail. The pavilion Status: Under city review has come down, but apartments have yet to Total new apartments: 370 rise in its place. Lennar came back to the city A development team led by Manhattan council in July with revised plans for the site. real estate firm George Comfort & Sons Plans still include two apartment towers, but Inc. has proposed a plan to add a mix now the number of apartments has increased of student housing, apartments and an to 814 units and the amount of retail space assisted living facility to the historic TWB Linda Mosiello Center has been reduced. The city is reviewing campus once home to aSunshine teaching Children’s order WCBJ those plans. of Roman Catholic nuns, Sisters of the 7.375” w x 7.125” h Divine Compassion. 7-27-18 The plan, first proposed in 2016 and THE CONTINUUM revised this year, would stagger apartment units across a 3-story townhouse section and residential building segments that ascend from 4 to 10 stories.

Status: Opened in November 2017 Total new apartments: 288 The first of two apartment towers from developer LCOR on Bank Street near the train

station opened last fall. The 16-story tower features 288 apartments, 3,000 square feet of retail space at ground level and an underground parking garage with 381 spaces.

ONE DEKALB

Status: Under construction, leasing to begin soon Total new apartments: 73 The latest White Plains project from developer David Mann, 1 DeKalb, features 73 luxury apartments with amenities such as a gym and "rooftop oasis" for residents. Construction is wrapping up, with plans to start leasing apartments in about three weeks.

199-201 E. POST ROAD

Plans from New York City development group Sackman Enterprises Inc. would add three floors and 18 new apartments to 199-201 E. Post Road. The plans would also add a renovated restaurant space at the quarter-acre lot, which currently hosts two vacant storefronts.

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NOVEMBER 12, 2018

Milli Award winners announced 1

CBRE

estfair Communications, the publisher of the Westchester County Business Journal, Fairfield County Business Journal and WAG magazine, has announced the winners of its annual Milli Awards, who will be feted Nov. 13 at an evening cocktail reception and ceremony at 1133 Westchester Ave. in White Plains. This year’s millennial winners are: 1. Mark Anthony Abile, Greenwich Hospital 2. Ariella Arias, Gregory Sahagian & Son Awning Company 3. Grace Battaglia, Open Door Family Medical Center 4. Arnold Escandon, Tompkins Mahopac Bank 5. Daniel Guiney, ZRM Brokerage 6. Vanessa Guzman, Monte�iore Health System 7. Lauren Kemp, Morgan Stanley 8. Angie Kim, Purchase College, State University of New York 9. Marc Koch, J.P. Morgan Securities 10. Emily Larkin, The Community Fund of Darien

NOVEMBER 12, 2018

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11. Yesher Larsen, Aquarion Water Company 12. Marla Lewis, Deloitte & Touche 13. Paul Lippolis, Lippolis Electric 14. Kelsie Mania, Westfair Communications 15. Mitchell Mirtil, Westchester Medical Center 16. Amanda Paktinat, American Red Cross of Metro New York North 17. Lindsay Rinehart, Brody and Associates 18. Megan Sullivan, The Local Moms Network 19. Britt Tavello Melitsanopoulos, Stew Leonard's 20. Chris Walters, J.P. Morgan Securities The sponsors of the event are Aquarion, Blue Buffalo, Buzz Creators, Deloitte, Greater Hudson Valley Bank, Greenwich Hospital, J.P. Morgan Securities, Mahopac Bank, McIntyre, Oasis Day Spa, Neiman Marcus, Tompkins Mahopac Bank, UConn and Val’s Putnam Wines and Liquors. To attend the event, contact Event Manager Tracey Vitale at tvitale@westfairinc.com.

LSI Industries closing New Windsor manufacturing facility BY BOB ROZYCKI bobr@westfairinc.com

incinnati-based LSI Industries Inc., a maker of LED lighting, is shutting its New Windsor manufacturing facility and laying off 136 employees. The layoffs will begin Jan. 28 and be completed by June 30, according to a Worker Adjustment and Retraining Notification filed with the New York State Department of Labor. The workers at the facility at 500 Hudson Valley Ave. made indoor lighting products. The company said in a statement that production would be transferred to LSI’s facilities in Erlanger, Kentucky, and Blue Ash, Ohio. The workers are represented by Local 363 of the International Brotherhood of Electrical Workers. The closing is part of

ongoing actions by LSI Industries to “align the company’s supply chain to more cost effectively serve the changing requirements of the lighting market.” The company reported net sales of $83.4 million in the fourth quarter of fiscal 2018, flat compared to the $83.4 million reported in the same period a year earlier. Reported net income was a loss of $2.6 million compared with net income of $696,000 in the fourth quarter of 2017. The company said in a statement that the closing would allow it to “improve utilization of existing manufacturing capacity” and the changes would generate annual savings of about $4 million. Company CFO James E. Galeese said, “We have taken numerous actions over the past few years to improve the efficiency and service capability of our supply chain and the New Windsor produc-

tion transfer is an important next step in our continuous improvement process.” He said, “the decision to close New Windsor and reduce our workforce was difficult given the skills and commitment of the employees at this site.” The company stated that it would record estimated restructuring costs of $2.4 million over the next several quarters. Founded in 1976, LSI Industries is a designer, manufacturer and marketer of lighting, graphics and technology products for both indoor and outdoor applications. The company’s primary markets include gas stations, automotive dealers, convenience stores, quickserve restaurants, grocery, banking, retail, renovation, parking and warehousing. LSI has about 1,200 employees and operates eight facilities throughout the U.S.

LSI Industries makes indoor and outdoor lighting for a number of different markets. Photo courtesy LSI Industries.

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NOVEMBER 12, 2018

ROBERTS REPORT | Alexander Roberts

Westchester may prohibit employers from asking about convictions on job applications

estchester County is poised to enact a law that would prohibit private employers from asking about an individual’s criminal record on the initial job application. It’s called “Ban the Box” or “Fair Chance” legislation and part of a movement to improve the hiring of ex-offenders. It has spread across the country, with 31 states and 150 municipalities adopting such legislation. A public hearing is slated for Nov. 19, after which lawmakers are expected to vote on the proposal. New York state has a law that requires employers to consider an individual applicant’s criminal record before rejecting such a person, but “Ban the Box” laws go further in preventing the employer from even asking about a criminal past on the initial application. Connecticut already has such a law, but gives the employer the right to inquire during the interview. New York City’s law states an employer may

fundamental Judeo-Christian concept of providing an avenue of return to society after prison. We need to improve the odds of gainful employment. I brought one of our employees to the Oct. 9 hearing, a life-skills coordinator with a past record for illegal drug use. He spoke movingly of receiving no callbacks for any jobs except fast food service, despite having worked in office administration and being clean for several years. Banning the box on our job application as a nonprofit, mission-driven organization was a no-brainer. A representative of the Greyston Bakery, run by a nonprofit which makes the cookies for Ben and Jerry’s Ice Cream in Yonkers, talked about having an “open hiring” process where they never ask about conviction records. But it turns out that for-profit firms apply a different calculus.

not ask about a criminal record until after a conditional offer of employment is made. As a nation with 70 million adults with criminal records, including people who have been arrested or convicted, we need to improve the odds of gainful employment for this segment of the population. Too often, a checked box for “Have you ever been arrested or convicted of a crime,” sends a job application into the circular file.

EX-OFFENDERS FACE DISCRIMINATION

I was asked to testif y before Westchester lawmakers in my capacity as executive director of Community Housing Innovations, a nonprofit agency that no longer asks about a job applicant’s criminal record on the initial job application. Employers legally barred from hiring applicants with convictions for specific crimes (such as police officers) would be exempt. Discrimination against ex-offenders contributes to recidivism and goes against the

Alexander Roberts (left) and employee Taj Majors, who testified about the difficulty of getting interviews with employers once they see notice of a criminal record on the initial application.

2018 giving back. is the year of

UNINTENDED CONSEQUENCES OF BAN THE BOX

In support of this legislation, the data show that once an employer has had the chance to

Let us review the accepted proposal for your organization’s last fundraiser or corporate event so we can provide a competitive proposal for your next event. We will donate a gift certificate for $150 to Sam’s of Gedney Way as a thank you for the opportunity. FOR NON-PROFITS: If we cater this year’s

fundraiser, we will donate 5% back in auction items or catering upgrades. FOR CORPORATIONS: If we cater this

year’s corporate event, we will donate 5% back in auction items or catering upgrades to your charity of choice.

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CONTACT David Pellon • david@nyhgroup.com 914.949.3543 • www.caperberryevents.com/nyhgroup

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examine the qualifications of the applicant and meet with him or her, the employer is more willing to hire the applicant. New research, however, raises questions about unintended consequences. Data before and after “Ban the Box” comparing callback rates for people with African-American and Hispanicsounding names show that discrimination gets worse. A study released in July 2016 by the National Bureau of Economic Research found that Ban the Box policies reduce the probabilit y of employ ment for young, low-sk illed black men by 3.4 percentage points and by 2 . 3 percentage points for young, low-skilled Hispanic men. In August of last year, Amanda Agan (Princeton University) and Sonja Starr (University of Michigan Law School) found that although banning the box made it more likely that individuals with criminal records would receive callbacks from prospective employers, it dramatically increased the gap in callbacks between black and white applicants. “… we find that the race gap in callbacks grows dramatically at the BTBaffected companies after the policy goes into effect. Before BTB, white applicants to BTB-affected employers received about 7 percent more callbacks than similar black applicants, but BTB increases this gap to 45 percent.”

STATISTICAL DISCRIMINATION BLAMED

Researchers blame statistical discrimination on the basis of race for the unintended consequences of Ban the Box. Without the information on convictions, employers throw out resumes with African-American or Hispanic-sounding names because they know that these groups are more likely to have criminal records. It’s a form of racial profiling. In response to concerns voiced by The Business Council of Westchester, the proposed county law does not go as far as the New York City law, as it allows employers to ask about criminal convictions at the interview stage and allows background checks. Once the criminal record is disclosed, the proposed law would require an employer to perform an evaluation pursuant to New York Corrections Law Article 23-A. If employment is denied, the employer must provide a written statement on request to the applicant setting forth the reasons for denial of employment based on the same statute. However, while the Business Council will not oppose the law, Executive Vice President John Ravitz said the organization is not supporting it either. “We don’t want to continue to say the county legislature is going to dictate how you operate your business on a daily basis. This doesn’t set the right tone if we want to attract new businesses to Westchester,” Ravitz said. Alexander Roberts is the executive director of Community Housing Innovations Inc. He can be reached at 914-683-1010.

Rye-based Global Gold awarded $23.1 million in Chilean mine rights fight BY BILL HELTZEL bheltzel@westfairinc.com

lobal Gold Corp., a precious metals exploration company based in Rye, has been awarded a $23.1 million default judgment in a long-simmering dispute over gold mine rights in Chile. U.S. District Judge Cathy Seibel on Oct. 29 ordered Amarant Mining Ltd. of Dubai, U.A.E., and Alluvia Mining Ltd. of Channel Island, U.K., to pay the judgment. Whether Global Gold can collect the judgment is another matter. Amarant transferred its mining rights to Alluvia several years ago. Alluvia has been dissolved and the companies have ignored previous arbitration awards. “It appears they have no interest in appearing or being further connected to the arbitral award,” Solomon A. Frager, Global’s attorney, said in a letter to Seibel. “It is no wonder why they would not appear here” in federal court in White Plains.

Global has explored and developed gold and silver mines in Armenia, Canada and Chile. In 2011, it transferred rights to a Chilean mine to Amarant, which then transferred the rights to Alluvia. In 2013, Global negotiated a new payment schedule, according to court documents, but Amarant and Alluvia failed to abide by the terms. Global took the dispute to arbitration and the International Centre for Dispute Resolution ordered the companies to pay Global $2.5 million. Once again, according to court documents, the parties negotiated new terms and once again Amarant and Alluvia failed to honor the deal. Global went back to the arbitrator in 2014 and won a $16.9 million judgment and an order barring the companies from disposing assets. The dispute was complicated when last year Johan Ulander, Amarant’s chairman, was arrested in Sweden on fraud charges. The Chilean mine dispute found its way to federal court last May when Global petitioned to enforce the 2014 arbitration award.

Neither Ulander nor anyone associated with the companies has responded to summonses to answer the complaint. The $23.1 million default judgment includes nearly $16.9 million from the 2014 arbitration award and $6.2 million in interest. Seibel also continued a ban on Amarant and Alluvia on disposing assets until the judgment is paid. She ordered them to provide documents “relating to the issue of whether respondents have diverted funds which could have been used to pay Global Gold.” Global, meanwhile, has been struggling. As of June 30, according to its latest unaudited financial statement, it had assets of $2.5 million and liabilities of $20.9 million, for an $18.4 million deficit. “There is no assurance that the company will obtain the financing that it requires or will achieve profitable operations,” according to the financial statement. There are substantial doubts, Global states, “about the company’s ability to continue as a going concern.”

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ASK ANDI | Andi Gray

Strapped for cash I’VE GOT A BIG CASH CRUNCH COMING UP. WE HAVE A BIG CONTRACT AND THEY’RE NOT MAKING PAYMENTS. WE HAVE EXPENSES THAT JUST WON’T GO AWAY. AND NEW WORK COMING IN THAT NEEDS TO BE WORKED ON. OUR BANK ACCOUNT IS GETTING LOW. OUR CREDIT LINE IS TAPPED OUT. IT’S A GOOD BUSINESS OVERALL, JUST RIGHT NOW THINGS ARE REALLY TIGHT. HOW DO I GET THROUGH THIS PERIOD? THOUGHTS OF THE DAY: Get a handle on what it really costs to operate. Make cuts to get the bottom line positive. Make a plan to pay down the credit line and build up cash. Going forward, protect the company’s cash reserves for times like these. There are probably several contributing factors here, not just because someone decided not to pay you on time. A healthy business has 6 months of overhead in cash reserves on hand. Seems like a lot of money, until you need it and don’t have it. We

NOVEMBER 12, 2018

recommend that you keep the money in the business, but if you keep it at home, make sure it’s only used for the business. As the business grew, the credit line might not have been big enough to handle a growing list of accounts receivable. A credit line should be in place to cover the company’s needs for outstanding accounts receivable. Compare the amount in a/r at 30, 60 and 90 days to the amount of invoices/month. Graph out all 4 to see the trends.

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Your contracts with clients should contain terms for payments that go more than 30 days past due. Beware of big, juicy contracts that require you to carry the a/r for 60 or 90 days. Beef up your sales efforts to get more clients that will do business on 30-day terms. Requiring payment on presentation of invoice or via credit card at time of service is best. There might be overspending going on. Check how much money is left over at the end of the month.

Lack of a clear picture of all of the company’s expenses can cause real problems. Depending on the P&L to tell you what’s going on with expenses is a mistake. In addition to expenses on the P&L, you have to factor in the principal payments on any loans. Someone needs to figure out a schedule of income based on a realistic, not optimistic, estimate of time to collect invoices from various clients. If you think you’re spending too much, check if it’s because of expenses related to delivering new work (cost of goods sold), which is OK. Find out if overspending is coming from overhead. Carrying too much in overhead expenses can be a real killer in any business. Be ruthless. Make cuts. Get spending in line so you can make a profit every month.

Figure out how much revenue less cost of goods sold, otherwise known as gross profit, you need to pay for overhead, principal payments on loans, taxes, distributions to shareholders and to put money in the bank. There’s a lot of demands on profits and most business owners don’t have a good handle on how much profit they need each month. Once you know how much profit, build a plan to grow sales to match the income needed. Be prepared by always having enough cash on hand to get out of trouble, and then some. Bad things can unexpectedly come at any business. Don’t make the mistake of thinking that it will always be smooth sailing, that somehow your business is special. Make sure your company is prepared to

successfully handle whatever life throws its way. BOOK RECOMMENDATION: “How to Read a Balance Sheet: The Bottom Line on What You Need to Know about Cash Flow, Assets, Debt, Equity, Profit . . . and How It All Comes Together,” by Rick Makoujy. Andi Gray is president of Strategy Leaders Inc., StrategyLeaders.com, a business-consulting firm that teaches companies how to double revenue and triple profits in repetitive growth cycles. Have a question for AskAndi? Wondering how Strategy Leaders can help your business thrive? Call or email for a free consultation and diagnostics: 877-238-3535 or AskAndi@ StrategyLeaders.com. Check out our library of business advice articles: AskAndi.com.

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shape the future Building a company that people want to work for, invest in and do business with is at the heart of ESG — a strategy that we’re sharing with Westchester companies to help them create sustainable growth. Michael Cappelli Market Executive Bank of America Merrill Lynch michael.cappelli@baml.com

ESG IS GOOD BUSINESS Companies of all sizes are adopting Environmental, Social and Governance (ESG) principles to positively impact financial performance and society at large. As a guiding strategy, ESG can help attract customers, investors and employees who increasingly value social responsibility. More than a measure of doing good, ESG is an indicator of smart business growth for the future.

Environmental Impact on living and nonliving natural systems, including the air, land and water, as well as complete ecosystems.

Social Capacity to generate trust and loyalty with your workforce, customers and society.

Governance Business systems and processes that ensure creation of long-term value.

CONSUMERS DEMAND ACTION Many people, particularly younger generations, favor companies that demonstrate a greater social purpose. Generation Z and millennials are leading the charge, but research shows that ESG has broad support across most demographic categories. Talking to your customers and employees about ESG can help you assess the value they place on these principles while also reinforcing your commitment. STAKEHOLDER/INVESTOR APPEAL Executives, regulators, investors and other key influencers are increasingly seeing the connection between sustainable success and commitment to addressing product safety, gender diversity, income equality and other issues. Corporate transparency is rising as almost 85% of the S&P 500 published corporate responsibility reports in 2017.1 ESG is also attracting capital and M&A activity from investors who seek value from sustainable companies.

To learn more about ESG strategies for businesses in Westchester, contact us or visit bofaml.com.

1 Flash Report: 85% of S&P 500 Index Companies Publish Sustainability Reports in 2017, March 2018. “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. ©2018 Bank of America Corporation. AR9QYRXB 10-18-0190

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JB Moving Services makes moving easy for Westfair Communications moving over the William L. Butcher Bridge, we might as well have been going to the moon! After purging our files and getting rid of unwanted office furniture, we still had some pieces of legacy furniture to bring, as well as some modern new units we purchased in Stamford. Did I mention office files? Like most companies, we had much more to bring than we originally thought. (The running office joke: this many boxes would qualify us to be on an episode of “Hoarders.”) Even in this digital age, so much equipment is still required to run a successful business. The logistics were daunting. Although we have a mighty staff, it was apparent this would require the expertise of a professional moving company. We found JB Moving Services in Stamford to help us. In business for more than

BY ROBIN COSTELLO rcostello@westfairinc.com

fter more than 20 years as tenants at 3 Westchester Park Drive, our building was sold to a new owner and we learned we would have to relocate. Initially the staff at Westfair Communications, Inc. was excited about the opportunity to set up shop in a brand new location, a space designed just for us, catered to our wants and the evolving needs of our business. After a search of available commercial space on the I-287 corridor, we finally found a perfect spot less than a mile away at 701 Westchester Ave. The documents were signed, and then the reality of executing a corporate move set in. Although we were only

Left to right: Justin James, Jerrel Brandon, Frank Ciccarone. Photograph by Dan Viteri.

33 years, JB Moving Services has moved hundreds of businesses (and residences) in our area. The company has the planning expertise, the skilled staff, the heavy equip-

Thank you to our Lower Hudson Valley Advisory Board and Sponsors for a successful Leewood Golf event! The $50,000 raised will help us deliver personal finance, entrepreneurship and career education to nearly 1,200 K-12 students in Lower Hudson Valley this academic year.

ADVISORY BOARD Michael Bellach Partner, KPMG Irina Damyanidu Vice President, Area Retail Leader, KeyBank Joe McCoy Region Manager, Senior Vice President Commercial Lending, People’s United Bank

Stephen Moroney Senior Vice President Commercial Lending, TD Bank Richard Schnapper Senior Vice President, Capital One Bank Spencer Schwartz Executive Vice President and Chief Financial Officer, Atlas Air Worldwide

SPONSORS ASG Crown Castle KPMG Sterling National Bank

AIG Capital One Bank Edelman Fosina Marketing Group

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For more information and to get involved, visit www.JANY.org or send us an email at info@jany.org.

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ment and the logistical experience to make our move as stress-free as possible. With a great reputation and longstanding history in the industry, JB Moving also had partnerships and subcontractors already in place, which could provide any additional services we might need, such as long- or shortterm storage, discard and disposal services, shredding and skilled office re-fitters. An initial call put us in contact with Will Huntting, the president of the commercial division, who helped us put a plan into action. Stage one was a breakdown of the new units from the office space in Stamford. Stage two was collecting everything from our location. Stage three was a rebuild and making it all fit in our new space. With fingers crossed we took a leap of faith and anxiously waited for our big “moving” weekend. We soon found out we had worried needlessly. Day one of the move was upon us. Anthony Guarracino arrived ahead of schedule with a team of seven strapping men. Wasting no time, they were able to figure out just what needed to be done and the most efficient way to accomplish it. On the second day, a team of four arrived at our previous office space and within 25 minutes removed all the

Will Huntting

remaining items. It was a tornado of efficiency. JB Moving Services had outfitted 12 offices and 6 workstations with a beautiful aesthetic. However, we were most impressed by their professionalism and courtesy. No matter how difficult the task they undertook, they did so respectfully and efficiently all with a smile on their faces. Started in 1985 by Joseph A. Barone Jr., the company prides itself on excellent customer service. He states that his business is now comprised of about 60 percent residential and 40 percent commercial jobs. He believes the key to success is treating customers well and throughout the years evolving the business to offer much more than a traditional moving company. This recipe for success has paid off and enabled

them to recently open a new location at 480 Bunnell St. in Bridgeport. The headquarters is at 222A Selleck Street in Stamford. Both locations are eager to serve clients in Westchester and Fairfield counties for all their residential and commercial moving needs. The degree of quality and service we received far exceeded our expectations. The cost was far less than what we had expected, compared to the great value of what we received. They played an instrumental part in the successful move of our business to our new office space. Without reservation, we would enthusiastically recommend them to any business looking for a partner to assist with a relocation. For more information about JB Moving Services visit movejb.com.

SPECIAL REPORT | Banking

Opportunity knocking? NEW ZONED TAX BREAKS COULD MEAN BIG MONEY FOR INVESTORS IN THE RIGHT WESTCHESTER COMMUNITIES BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

n incentive tucked into the 2017 GOP-led tax cut bill could help drive investments to low-income areas in Westchester County and across the country — but municipal and economic development officials are still taking stock of the benefits of the program as it gets off the ground. The so-called “opportunity zones” are a small part of the Tax Cuts and Jobs Act of 2017. The basic idea of the program is to drive investment to low-income areas by providing favorable tax treatment to investors. The possibilities for investment are somewhat broad — including seed money for startup companies that operate in the designated zones — but the tax incentive is seen as particularly appealing to the real estate industry. Investment banks, real estate funds and startups have already rushed into the market. The Wall Street Journal reported in October that sales of development sites in the 8,700 zones nationwide increased 80 percent in the first three quarters of 2018 year over year. Treasury Secretary Steven Mnuchin has predicted the zones could drive $100 billion in capital investment by opening up “lots of capital that was tied up that never would have been sold to reinvest in these communities,” he told The Hill newspaper. The zones, which were chosen from recommendations by each state government, are set by Census tracts and cover all 50 states, Washington D.C. and U.S. territories. In Westchester, the zones cover a diverse range of communities. There are stretches of downtown blocks in the county’s four most populous cities in Yonkers, New

Rochelle, Mount Vernon and White Plains. The zones include parts of the Long Island Sound communities of Port Chester and Mamaroneck, as well as along the Hudson River in the villages of Sleepy Hollow and Ossining and city of Peekskill. In northern Westchester, designated space can be found in Mount Kisco, Bedford Hills and Shrub Oak. New York state has 514 tracts total, which were chosen based on recommendations from local input and the state’s regional economic development councils. The program allows anyone to invest in each tract through newly created “opportunity funds.” The investment funds can only come from capital gains, such as from selling a home or a stock share at a profit. Ninety percent of a fund’s investments must go to a qualified opportunity zone. In an example from the Urban-Brookings Tax Policy Center, an investor with a $500,000 profit on the stock market could then invest the money into an opportunity fund. In turn, the fund invests the money into one of the zones. The investor can delay capital gains tax on the money until 2026. If he or she holds the investment for seven years, 15 percent of the total tax on the capital gains can be avoided. If the investment is held for 10 years, investors can exclude from tax any capital gains from the investment itself. That means if he or she sells their share of the fund for $600,000, the $100,000 gain could be excluded from tax. The Economic Innovation Group, a Washington, D.C. think tank, first championed the concept. The group’s President and CEO John Lettieri called the program the “most innovative and ambitious federal attempt to encourage long-term private investment in low-income communities in at

A rendering of RXR’s apartment tower development at 26 S. Division St. in New Rochelle. RXR is reportedly raising $500 million to launch an opportunity fund.

There are 8,700 designated opportunity zones nationwide. About 35 million people live in an opportunity zone in the U.S., according to the Treasury Department. Based on U.S. Census data, the zones have an average poverty rate of more than 32 percent, compared with a rate of 17 percent for the average Census tract. least a generation,” in testimony to the U.S. Senate in October. The idea has some bipartisan support. U.S. Sen. Cory Booker, a New Jersey Democrat, sponsored earlier legislation for opportunity zones, arguing they could drive billions in investment to underserved communities in his state. The Tax Policy Center, meanwhile, argued in one analysis that the program “opens the door to big profits for both investors and syndicators, even as the social benefits of the initiative are unclear at best.” Goldman Sachs Group Inc., according to a report from Bloomberg, started setting up opportunity funds just days after the tax bill passed. Online real estate investment platforms, such as Fundrise, have launched opportunity funds as well. RXR Realty, a development firm that is New Rochelle’s master developer, is seeking investors for a $500 million opportunity fund, Bloomberg reported in August. RXR could be in a good position to capitalize on the incentive program, since it already has

built apartments in areas now designated as opportunity zones throughout the tristate, including in Westchester. “One of the things that’s particularly attractive about the opportunity zone program is, in the past, we had to convince capital to look at these areas, but now capital is asking us to target these areas,” RXR Executive Vice President Seth Pinsky told the online business publication Bisnow. “A lot of people are looking into the opportunity zone program as potentially a very valuable opportunity.” In New Rochelle, RXR is building a $300 million, two-tower apartment complex at the intersection of Church and Division streets, an area now designated as an opportunity zone. The development is expected to build more than 700 apartments between the two towers, along with about 25,000 square feet of retail space on the main floor. Luiz Aragon, New Rochelle’s development commissioner, said city officials are optimistic about the opportunity zones program, “knowing the concept here is to empower

the flow of capital into underserved communities across the country.” “The issue,” he said, “is that this is a process and we’re going through the process now to understand what exactly the benefits are. We’re going to understand better once a couple projects have gone through the process.” In Yonkers, the city has three designated tracts focused mostly in the southwest edge of downtown. The city’s opportunity zones include Chicken Island, a 6-acre undeveloped parcel where the city has been trying to find the right development project and builder for more than a decade. At the end of October, the city announced developer AMS Acquisitions had bought the land and planned to build a mix of apartments, a hotel and retail and office space on the lot. Wilson Kimball, commissioner of planning and development for Yonkers, said the city views the opportunity zone tax incentive as another tool to attract investment, along with local IDA incentives and state grants. The city has already received calls about the incentive, she said, adding that “as they roll out the rules and regulations, I think people will be feeling more and more confident in what they can invest in and how they can do it.” In Sleepy Hollow, the designated opportunity zone encompasses much of the village, stretching from the riverfront to Route 9, and including all of the Beekman Avenue central district. It appears to include the former GM assembly factory, a 67-acre site where a joint venture between SunCal and Diversified Realty Advisors is leading a billion-dollar redevelopment that will include homes, apartments, a 140room boutique hotel and retail and office space. Home construction has already started on the site and

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it’s unclear how, or if, the designation would impact future phases of the development. Reached by the Business Journal about the opportunity zone, a project spokesperson said “we’re confident that Sleepy Hollow's designation as an opportunity zone offers potential benefits to the village, and we will continue to monitor any opportunities related to the development.” Similarly, village officials still need to study what exactly the designation could mean for Sleepy Hollow, but Village Administrator Anthony Giacco said it could “help generate interest in the village from developers. We also may be able to use it as a marketing tool to attract business.” The opportunity zones “certainly create a vehicle through which new sources of funds can be found to support community revitalization in the Census tracts,” said Kim Jacobs, the president and CEO of Community Capital New York, a nonprofit alternative lender headquartered in Elmsford. As a certified Community Development Financial Institution (CDFI), Community Capital and the opportunity zone program share a stated goal of driving investment to low-income communities. But Jacobs said the nonprofit lender is still evaluating how to best operate within the program. One possible approach, Jacobs said, would be to serve in more of an advocacy role, pushing to ensure opportunity zone investment creates local jobs and housing that benefits the community. “My organization is taking a look at how we might be able to be an effective conduit between private investors and needed investments in the designated areas,” Jacobs said. “Across the board, CDFIs share a concern that the benefits of these zones accrue not only to the investors, but also to those who live and work in the zones."

NOVEMBER 12, 2018

SPECIAL REPORT | Banking

Nobel laureate forecasts the next possible banking crisis BY PHIL HALL phall@westfairinc.com

“I

t is 10 years since the Lehman Brothers bankruptcy,” observed Robert F. Engle, the 2003 Nobel Prize for Economics laureate, during a recent presentation at Sacred Heart University’s Center for Applied Business Research. “At the time, we had very sketchy theories about systemic risk, whether we could have financial meltdowns or not. Over the last decade, we learned lots of things. We have lots of research now that helps us understand where financial crises come from and how likely they are to happen again.” In a presentation titled “How Much SRISK is Too Much” — the acronym stands for “systemic risk,” where an event impacting a single compa-

ny could trigger the downfall of an industry or economy — Engle compared the current financial services environment to a photograph he took of a volcano in Patagonia. “It is dormant,” Engle said of the majestic mountain where the volcano sleeps. “But if you look closely there is a little wisp of smoke coming out of there. And that’s kind of the analogy we are thinking about with the financial system. Is it really dormant and benign, or are there risks out there that we need to know about?” Engle, who is the Michael Armellino Professor of Finance at New York University’s Stern School of Business, discussed government-conducted stress tests of the largest banks to determine whether they carry enough capital to survive an economic crisis. It is at this level, he added, that problems in understand-

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Robert F. Engle during his presentation at Sacred Heart University on systemic risk. Photo by Phil Hall.

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that you are thinking about the financial crisis being caused by some sort of external shock, which hits the financial sectors and makes banks fail. But when you think about the financial crisis, it’s not so much an external shock, it is really more of an internal shock that shakes the financial sector.” Engle also warned banks that are undercapitalized can make a bad situation worse in how they approach risk stabilization. “They could do nothing and either hope for good luck that time will cure this, or that they will get a bailout,” he said. “They could sell their shares of stocks, because banks often have issues that have not been sold to the public. Or they could sell some of their assets and get dollars from them to pay off the debt.” All of these approaches, Engle warned, create more problems than solutions: hoping for either a lucky break or a government bailout is not realistic, while selling a wave of hitherto unavailable shares would reduce the value of shares already on the market. As for selling off assets, Engle recalled that was used in the Great Recession, when mortgage-backed securities were dumped on the market. Engle pointed out that the federal government required just under $1 trillion to bail out the major financial institutions during the Great Recession. Lehman Brothers, whose bankruptcy triggered the economic meltdown, was not bailed out — and Engle observed that in 2008, Lehman Brothers was the 11th largest financial institution in the country, missing out on federal aid while the nation’s 10 largest financial institution were recipients of funds from the Troubled Asset Relief Program (TARP) signed into law by President George W. Bush on Oct. 3, 2008. Looking ahead, Engle predicted that another meltdown at the level of the 2008 crash would require at least $3.5 trillion to bail out the global financial system. “China looks like it would need $1 trillion to bail out the Chinese banks,” he said, adding that Japan, France, the U.K. and the U.S. would round out a top five of nations posing the greatest risk of a new banking collapse. As for the U.S. banking industry, Engle estimated that Citigroup would need “about $48 billion to recapitalize if we had another financial crisis like the last time.” Other major banking corporations requiring financial bailouts would be Prudential Financial and Goldman Sachs seeking $28 billion infusions each and Morgan Stanley requiring $26 billion, Engle stated. But is this all theory? Engle grimly acknowledged that Trump administration tariffs placed on Chinese goods have “hurt China quite substantially. A lot of the risk we’re facing is China’s response to the policies that we’ve done.” As for his antidote to stave off another banking meltdown, Engle recommended diplomacy rather than trade wars. “We are not doing a very good job,” he said. “We are not really communicating monetary policies and politics among countries. We are all one world and we have to solve these problems together.”

SPECIAL REPORT | Banking

Hudson Valley Federal Credit Union to pay $95,000 for illegally repossessing military service member vehicles BY BILL HELTZEL bheltzel@westfairinc.com

udson Valley Federal Credit Union (HUFCU) has agreed to pay $95,000 in penalties for illegally repossessing vehicles from military service members. The repossessions violated the Servicemembers Civil Relief Act, according to a news release from U.S. Attorney Geoffrey S. Berman. “Financial institutions must recognize and honor their responsibilities to our men and women in uniform,” John Gore, acting assistant U.S. attorney general, said in the news release. The law is meant to protect the legal rights of soldiers, sailors, airmen, marines and coast guardsmen. A contract for a motor vehicle for which a deposit or payments have been made, for instance, may not be rescinded for breach of contract or repossessed without a court order. HVFCU, according to a civil complaint filed Nov. 2 by the government, repossessed at least nine vehicles from service members, without court orders, from 2008 to 2014. The credit union was established in 1963, the complaint states, and is one of the largest credit unions in the country. It has more than $4.4 billion in assets and serves more than 275,000 individuals and businesses in Dutchess, Orange, Putnam and Ulster counties. It was only after a soldier in 2014 and an airman in 2015 filed lawsuits that federal prosecutors became aware of the repossession practices. The government then identified seven more violations. Patrick Clarke, the soldier, and his girlfriend bought a car from Middletown Pontiac Buick GMC in 2007. The dealership assigned its interest in the contract to the credit union and the couple made payments from a joint checking account. Clarke joined the Army in 2009 and was deployed to Camp Casey, South Korea, from December 2009 to December 2010. Clarke and his girlfriend contacted the credit union multiple times, according to the federal complaint, to let it know he was on active duty and stationed overseas. According to Clarke’s lawsuit, HVFCU never checked the Department of Defense online manpower database that is provided to lenders to verify military status. While stationed overseas, the credit union repossessed his vehicle, without obtaining a court order. Clarke was awarded $20,000 in damages in his lawsuit in 2016. Bromberg Law Office of Manhattan was awarded $110,802 in legal fees and costs for defending him. HVFCU was also ordered to contact credit unions to delete or block negative information on his credit reports. The prosecutor’s office notified HVFCU in late 2016 that its repossession practices were being investigated. Prior to August 2014, the federal complaint states, the credit union did

not have written policies or procedures on protecting service members from nonjudicial repossessions. Until late 2014, it had been failing to check the military’s manpower database. The settlement was announced on Nov. 2, the same day the prosecutor filed a complaint. HVFCU agreed to pay six service members $10,000 each, plus any lost equity in their vehicles. One service member, whose vehicle was repossessed but returned within 24 hours,

will get $5,000. The credit union will pay a civil penalty of $30,000 to the federal government. HVFCU, according to the news release, has taken steps to repair the credit of the service members. The prosecutor’s case was handled by Ellen Blain, an assistant U.S. attorney in the office’s civil rights unit. “The men and women of our military deserve our unwavering support,” Mary D. Madden, pres-

ident and CEO of the Poughkeepsie-based credit union, said in a news release, “so when we learned of the Department of Justice’s inquiry in 2016, we immediately reviewed our procedures.” HVFCU agreed to the settlement without admitting any liability, and it refers to the findings as “alleged violations.” It has expanded its annual training on the law and it has set up a website link and telephone number for service members.

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NOVEMBER 12, 2018

THE LIST: Largest Public Companies Ranked by 2017 net revenue* Company Name Address Area code: 914, unless otherwise noted

CEO Title Year company established

WESTCHESTER COUNTY

2017 net revenue*

2016 net revenue*

Type of business

IBM Corp.

Virginia Rometty Chairman, president and CEO 1914

$79.1 billion

$79.9 billion

Develops, manufactures, sells and services advanced information-processing products

PepsiCo. Inc.

Ramon Laguarta CEO 1965

$63.5 billion

$62.8 billion

Manufactures, packages and distributes bottled soft drinks, water, tea and other beverages, as well as snacks

James P. Gorman Chairman and CEO 1935

$37.9 billion

$34.6 billion

Provides various products and financial services to corporations, governments, financial institutions and individuals

360 Hamilton Ave., No. 1103, White Plains 10601 Chairman of the executive board and CEO $27.4 billion 1864 681-4100 • theheinekencompany.com

$24.1 billion

Alcoholic beverage manufacturer

3 4 5 6 7 8 9 10 11 12 13 14

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

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

Morgan Stanley & Co.

(Headquartered in New York City) 2000 Westchester Ave., Purchase 10577 225-5510 • morganstanley.com

Heineken

FUJIFILM Holdings America Corp.

200 Summit Lake Drive, Valhalla 10595 732-857-3280 • fujifilmusa.com

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

Consolidated Edison Inc. (Headquartered in New York City) 178 Theodore Fremd Ave., Rye 10580 800-752-6633 • coned.com

Entergy Corp.

(Headquartered in New Orleans, Louisiana) Broadway, Buchanan 10511 736-8000 • entergy.com

Regeneron Pharmaceuticals Inc.

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

Avon Products Inc.

(Headquartered in New York City) 601 Midland Ave., Rye 10580 935-2000 • avon.com

ITT Corp.

1133 Westchester Ave., White Plains 10604 641-2000 • itt.com

Atlas Air Worldwide Holdings Inc.

2000 Westchester Ave., Purchase 10577 701-8000 • atlasair.com

Prestige Brands

660 White Plains Road, Suite 250, Tarrytown 10591 524-6819 • prestiigebrands.com

Acorda Therapeutics Inc.

420 Saw Mill River Road, Ardsley 10502 347-4300 • acorda.com

Jean-Francois van Boxmeer

Shigetaka Komori Chairman and CEO 1934

$21.8 billion FY ended 3/31/18

$21.7 billion FY ended 3/31/17

Photography and imaging company

Ajay Banga President and CEO 1966

$12.5 billion

$10.8 billion

Global payments company

John McAvoy Chairman, president and CEO 1936

$12.0 billion

$12.1 billion

Provides energy services, including electric and natural gas energy and fiber-optic telecommunications

Leo P. Denault Chairman of the board and CEO 1913

$11.1 billion

$10.8 billion

Energy company specializing in electric power production

Leonard S. Schleifer Founder, president and CEO 1988

$5.9 billion

$4.9 billion

Drug manufacturer

Sherilyn McCoy CEO 1886

$5.7 billion

Manufactures and markets beauty, fashion and homedécor products

Denise L. Ramos CEO and president 1967

$2.6 billion

$2.4 billion

Manufactures highly engineered, customized solutions for the energy, transportation and industrial markets

William J. Flynn President and CEO 1992

$2.1 billion

$1.8 billion

Outsourced aviation services

Ron Lombardi President and CEO 1996

$1 billion FY ended 3/31/18

$806.2 million Independent provider of over-the-counter health care FY ended and cleaning products 3/31/17

Ron Cohen President and CEO 1995

$588.2 million $519.6 million Biotechnology

This list is a sampling of the largest public companies with a headquarters or major office located in the region. If you would like to include your public company in our next list, please contact Peter Katz at pkatz@westfairinc.com Data compiled from SEC filings and other sources. * -- Calendar year unless fiscal year (FY) is indicated.

NOVEMBER 12, 2018

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Facts & Figures BANKRUPTCIES Manhattan Lili’s 200 West 57th Corp., 875 6th Ave., Suite 1006, New York 10001. Chapter 11, voluntary. Lawyer: Lawrence Morrison. Filed Nov. 2. Case no. 18-13353-cgm.

White Plains ARROWPOINT INC., 390 E. Main St., Bedford Hills 10507. Chapter 7, voluntary. Lawyer: Pro se. Filed Oct. 31. Case no. 18-23682-rdd.

COURT CASES New York City Barbados Leather, et al. Filed by Michael Kors, L.L.C. Action: Trademark Infringement (Lanham Act). Attorney for plaintiff: Brent Herbert Blakely. Filed Nov. 1. Case no. 1:18-cv10181-JPO. Bay Hill Jewelers. Filed by Verragio, LTD. Action: Copyright Infringement. Attorney for plaintiff: John Hamilton Keneally. Filed Nov. 1. Case no. 1:18-cv-10140-LLS. Capital Hill Publishing Corp. Filed by Phillip Sullivan Jr. Action: Federal question. Attorney for plaintiff: C.K. Lee. Filed Nov. 5. Case no. 1:18-cv-10243-JPO. Comprecore, L.L.C., et al. Filed by the New York Business Development Corp. Action: Diversity action. Attorney for plaintiff: Meghan Mary Breen. Filed Nov. 1. Case no. 1:18-cv10153-JSR. Diversitex, Inc. Filed by Benartex LLC. Action: Diversity-breach of contract. Attorney for plaintiff: Richard Leigh Furman. Filed Oct. 31. Case no. 1:18-cv-10112-DLC.

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: Peter Rubino c/o Westfair Communications Inc. 701 Westchester Ave., Suite 100J White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3699

Expeditors International of Washington, Inc., et al. Filed by Zim Integrated Shipping Services Ltd. Action: Declaratory judgment. Attorney for plaintiff: Vincent M. DeOrchis. Filed Oct. 31. Case no. 1:18-cv-10047-JGK. Guidepoint Global, L.L.C. Filed by Valentia Villeti, et al. Action: Job discrimination (unlawful employment practices). Attorney for plaintiff: Stuart Lloyd Lichten. Filed Nov 2. Case no. 1:18-cv-10200-VSB. HF Management Services LLC, et al. Filed by Jane Doe. Action: Federal question: Employment discrimination. Attorney for plaintiff: Seamus Patrick Barrett. Filed Oct. 31. Case no. 1:18-cv-10109-JPO. Karisma Hotels and Resorts Corporation Ltd., et al. Filed by Sabrina Leigh Wicker, et al. Action: Discriminatory practices affecting U.S. Senate employees. Attorney for plaintiff: Sharon Jessica Zinns. Filed Nov. 1. Case no. 1:18-cv-10173-PAE. Kennedy International, Inc. Filed by Benson Mills Inc. Action: Copyright infringement. Attorney for plaintiff: Bruce Roy Millar Ewing. Filed Nov. 6. Case no. 1:18-cv-10281. Lenox Hill Hospital, et al. Filed by Elena Strujan. Action: Federal question: Other civil rights. Attorney for plaintiff: N/A. Filed Oct. 31. Case no. 1:18-cv-10079-UA. Nationwide General Insuranc Co., et al. Filed by Margaret Dessau. Action: Diversity action: Attorney for plaintiff: Roger Joel Bernstein. Filed Nov. 1. Case no. 1:18-cv-10142AT. New Street Enterprise, Inc., et al. Filed by Unicorn Crowdfunding Inc. Action: Trademark infringement (Lanham Act). Attorneys for plaintiff: Wendy Brasunas Heilbut and Vivek Jayaram. Filed Oct. 31. Case no. 1:18-cv-10110-PAE. New York State Health Facilities Association Inc., et al. Filed by Samantha Campbell. Action: Federal question: Employment discrimination. Attorney for plaintiff: Silvia Cristina Stanciu. Filed Oct. 31. Case no. 1:18-cv-10105-ALC. Paige Hospitality Group LLC, et al. Filed by Christian Battisti. Action: Federal question: Employment discrimination. Attorney for plaintiff: Brittany Sloane Weiner. Filed Oct. 31. Case no. 1:18-cv-10033-AJN.

ON THE RECORD

SelfHelp Community Services Inc., et al. Filed by Denise Odette Frias-Rodriguez. Action: Job discrimination (unlawful employment practices). Attorneys for plaintiff: Yusha D. Hiraman and Brittany Alexandra Stevens. Filed Nov. 1. Case no. 1:18-cv-10139-JPO.

Washington Heights Parking LLC, New York City. Seller: 1755 Associates LLC, New Rochelle. Property: 376 McLean Ave., Yonkers. Amount: $1.3 million. Filed Oct. 19.

CHF Equities LLC, Chestnut Ridge. Seller: MTGLQ Investors LP. Property: 67 Sky Meadow Place, Greenburgh. Amount: $325,000. Filed Oct. 19.

Naoom LLC, Bronx. Seller: Abacus Consulting Group Inc., Mount Vernon. Property: 55 W. Fifth St., Mount Vernon. Amount: $610,000. Filed Oct. 17.

Below $1 million

State Farm Insurances, et al. Filed by Elena Strujan. Action: Federal question. Attorney for plaintiff: N/A. Filed Nov. 5. Case no. 1:18-cv10280-UA.

1114 Washington LLC, New York City. Seller: Jo Ann Marie Campanella, Pleasantville. Property: 565 Washington Ave., Mount Pleasant. Amount: $595,000. Filed Oct. 17.

Curry-Gio Realty LLC, Peekskill. Seller: Curry Associates Inc., Peekskill. Property: 313 N. James St., Peekskill. Amount: $750,000. Filed Oct. 19.

Nitra LLC, Chestnut Ridge. Seller: Albert W. Cornachio, Rye Brook. Property: 302 Langdon Ave., Mount Vernon. Amount: $260,000. Filed Oct. 15.

The Fader, Inc. Filed by Alec Tabak. Action: Copyright Infringement. Attorney for plaintiff: Richard Liebowitz. Filed Nov. 1. Case no. 1:18-cv-10143-CM.

13 Maurice Avenue LLC, Briarcliff Manor. Seller: Eduardo Gomes, Ossining. Property: 13 Maurice Ave., Ossining. Amount: $525,000. Filed Oct. 17.

Dorchester Next Door LLC, Scarsdale. Seller: Richard A. Kleiger, et al, New Paltz. Property: 106 Dorchester Road, New Rochelle. Amount: $700,000. Filed Oct. 18.

Nitra LLC, Chestnut Ridge. Seller: Ron Zezima, New Rochelle. Property: 547 S. Seventh Ave., Mount Vernon. Amount: $320,000. Filed Oct. 17.

The Metropolitan Museum of Art, et al. Filed by Joseph Gross. Action: The Americans with Disabilities Act of 1990. Attorney for plaintiff: Silvia Cristina Stanciu. Filed Nov. 1. Case no. 1:18-cv-10128-AT.

156 Webster LLC, Eastchester. Seller: Delaurna Murphy, et al, Mount Vernon. Property: 413 S. Eighth Ave., Mount Vernon. Amount: $215,000. Filed Oct. 19.

Federal National Mortgage Association. Seller: Barry Salman, New Rochelle. Property: 19 Elm St, Mount Pleasant. Amount: $674,321. Filed Oct. 15.

PKIS Reallty LLC, Brooklyn. Seller: MTGLQ Investors LP. Property: 354 Egmont Ave., Mount Vernon. Amount: $300,000. Filed Oct. 17.

Westchester Empire City Casino. Filed by Valentina Pruthi. Action: Fair Labor Standards Act. Attorney for plaintiff: N/A. Filed Nov. 6. Case no. 7:18-cv10290-NSR. NY Commissary Inc., et al. Filed by Covington Specialty Insurance Co. Action: Declaratory judgment. Attorney for plaintiff: Eric David Suben. Filed Oct. 31. Case no. 1:18-cv10078-JGK.

DEEDS Above $1 million

26 Yale Associates LLC, Ossining. Seller: Steven R. Araujo, et al, Cortlandt Manor. 68 Dimond Ave., Cortlandt. Amount: $470,000. Filed Oct. 15. 28-30 Fisher Lane LLC, Katonah. Seller: Alyce Fisher Bowman, et al, White Plains. Property: 30 Fisher Lane, Bedford. Amount: $205,000. Filed Oct. 16. 310 Warren Development Corp., Hawthorne. Seller: Gregory McSpedon, Hawthorne. Property: 310 Warren Ave., Mount Pleasant. Amount: $331,000. Filed Oct. 17. 461 South Third Ave LLC, Mount Vernon. Seller: 461-463 South 3rd LLC, Yonkers. Property: 461-463 S. Third Ave., Mount Vernon. Amount: $620,000. Filed Oct. 17.

Artemis Farms New York LLC, West Palm Beach, Florida. Seller: Fair Play Farm LLC, Bedford Corners. Property: 6 Ashfields Lane, North Castle. Amount: $12.5 million. Filed Oct. 19.

6 Riverview Place LLC, Yonkers. Seller: Aurelio Assuncao, et al, Yonkers. Property: 6 Riverview Place, Yonkers. Amount: $775,000. Filed Oct. 19.

Deutsche Bank National Trust Co. Seller: Jerrice Epps, White Plains. Property: 39 Elm St., Mount Pleasant. Amount: $1.1 million. Filed Oct. 19.

AG Duke Realty LLC, Mount Kisco. Seller: Kings Capital Holdings LLC, White Plains. Property: 9 Walnut Place, Mount Pleasant. Amount: $225,000. Filed Oct. 15.

Elite 29 Construction LLC, New York City. Seller: P.G.S. Equities Inc., Yonkers. Property: 1981 Central Park Ave., Yonkers. Amount: $3.5 million. Filed Oct. 19.

Allen USA Enterprises LLC, White Plains. Seller: New York State Association for Retarded Children Inc., Hawthorne. Property: 8 Rutherford Ave., White Plains. Amount: $195,000. Filed Oct. 19.

Petronas Properties Inc., Ossining. Seller: J. Cali Inc., Yorktown. Property: 1223 Park St., Peekskill. Amount: $1.5 million. Filed Oct. 17. Phoenix Development LLC, Bronx. Seller: National Railroad Passenger Corp., Philadelphia, Pennsylvania. Property: 80 Nardozzi Place, New Rochelle. Amount: $1.8 million. Filed Oct. 17.

Arrowrye LLC, San Mateo, California. Seller: Alba T. Pfeffer-Forero, Rye Brook. Property: 17 Arrowwood Circle, 236, Rye. Amount: $602,400. Filed Oct. 17.

Federal National Mortgage Association. Seller: Steven P. Goldenberg, Kew Gardens. Property: 29 Fuller Road, Ossining. Amount: $455,251. Filed Oct. 15. Genesee Fund LLC, Mount Vernon. Seller: Peter Merola, et al, Valhalla. Property: 21 Genesee Trail, Harrison. Amount: $650,000. Filed Oct. 17. Hillside BD LLC, Scarsdale. Seller: Barbara Lerman, Larchmont. Property: 401 Nuber Ave., Mount Vernon. Amount: $127,500. Filed Oct. 15. M&T Bank. Seller: John M. Perone, Larchmont. Property: 1037 Old Post Road, Bedford. Amount: $761,840. Filed Oct. 19.

PMT NPL Financing 2014-1. Seller: Michele L. Bermel, Chappaqua. Property: 180 Arbor Crest, Somers. Amount: $559,829. Filed Oct. 17. Reese Holding Group LLC, Elmsford. Seller: Martha Torresi, Elsmford. Property: 29 S. Mortimer Ave., Greenburgh. Amount: $400,000. Filed Oct. 15. Seasoned Capital LLC, Albany. Seller: Phillana Williams, et al, Mableton, Georgia. Property: 100 Faneuil Place, New Rochelle. Amount: $240,000. Filed Oct. 15. Turvyave LLC, Pleasantville. Seller: Roslyn Katz, Scarsdale. Property: 52 Top of the Ridge Drive, New Rochelle. Amount: $535,600. Filed Oct. 15.

Mariners Pac Ventures LLC, Newport Beach, California. Seller: GFT Property Holdings III LLC, Chicago, Illinois. Property: 234 Linda Ave., Mount Pleasant. Amount: $200,000. Filed Oct. 16.

Wilmington Savings Fund Society FSB. Seller: Jerrice Epps, White Plains. Property: 72 Magnolia Ave., Mount Vernon. Amount: $934,071. Filed Oct. 17.

MFK Properties Corp., Harrison. Seller: Ellsworth-Temple Corp., Harrison. Property: 116-118 Ellsworth Ave., Harrison. Amount: $510,000. Filed Oct. 18.

FORECLOSURES

Michael Anthony Holdings Inc., Mount Vernon. Seller: Vernon P. Forrest, et al, Mount Vernon. Property: 24 S. Terrace, Mount Vernon. Amount: $315,000. Filed Oct. 15. MRIF Management LLC, Boca Raton, Florida. Seller: Lonya Gilbert, Larchmont. Property: 2089 Albany Post Road, Cortlandt. Amount: $469,582. Filed Oct. 17. MTGLQ Investors LP. Seller: John Schmitz, et al, White Plains. Property: 790 Warren Ave., Mount Pleasant. Amount: $410,000. Filed Oct. 15.

BUCHANAN, 8 Lake Drive. Single-family residence; lot size: .51 acres. Plaintiff: Wells Fargo Bank National Association. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 175 Mile Crossing Blvd., Rochester. Defendant: Ayse Arici. Referee: Joseph Maria. Sale: Nov. 14, 9 a.m. Approximate lien: $427,742. MOUNT KISCO, 736 Croton Lake Road. Single-family residence; lot size: 2.0 acres. Plaintiff: Wilmington Savings Fund Society. Plaintiff’s attorney: Knuckles, Komosinski & Eliot, 565 Taxter Road, Suite 509, Elmsford. Defendant: Gaberiele Astrologo. Referee: Francis Malara. Sale: Nov. 13, 9:15 a.m. Approximate lien: $395,350.

BCG LLC, New Rochelle. Seller: SDF Capital LLC, Mamaroneck. Property: 19 Hillside Ave., New Rochelle. Amount: $426,500. Filed Oct. 19.

WCBJ

NOVEMBER 12, 2018

Good Things Happening CAREERS CELEBRATES WORKPLACE SUCCESS

LIGHT THE NIGHT WALK RAISES $600K

CAREERS Support Solutions, which since 1987 has helped individuals with disabilities find meaningful employment in the communities in which they live, held an anniversary celebration at the Crowne Plaza in White Plains on Oct. 25. To date, CAREERS has made more than 2,700 job placements and provided support services to thousands of people with disabilities in Westchester and Putnam counties. Turco’s in Yorktown Heights was named employer of the year. Peter Marshall of S&H Uniforms was named employee of the year. Ellen Bloom, marketing director for New York Presbyterian Hospital was named supervisor of the year. Nina Capitelli of the Mount Vernon school system and Debbie Gabrione of the New York State Education Department’s ACCES-VR program shared the outstanding high school transition support award. The outstanding workplace support award was shared by staff at the Somers and Larchmont Stop&Shop stores. PepsiCo EnAble, a corporate outreach program, which champions inclusion for people with different abilities, was once again the premier sponsor of the event. CAREERS Executive Director Tina Cornish-Lauria said, “We look forward to 31 more years of fostering workplace success for people who want to work”

From left: Amy Ferraro, a walk participant; Nikki Stears; Brian Bryne; and Samantha Crawford. Photo by N. J. McCarthy.

If you noticed an unusual glow in the sky around Kingsland Point Park in Sleepy Hollow on the night of Nov. 3, it was because The Leukemia & Lymphoma Society’s Light the Night Walk was underway. The event raised $600,070 to help combat blood cancer.

Many of the participants know firsthand about the ravages caused by blood cancers. For example, Nikki Stears has been cancer free since August. Brian Bryne recently lost his 26-year-old daughter to leukemia. Master of ceremonies for the event was Samantha Craw-

ford of News12. Participants took a two-mile walk through Sleepy Hollow, starting at Kingsland Point Park. They carried lanterns of different colors: gold to remember ones lost to blood cancer, white to support survivors and red for all those affected.

NEW JOB FOR A MANIKIN

NEW BOARD MEMBERS ENTER HOPE’S DOOR

Two business executives have joined the board of directors of Hope’s Door, a Hawthorne-based nonprofit that seeks to end domestic violence and to empower victims to achieve safety, independence and healing from the trauma of abuse. They are Esmeralda Cruz and Mónica Martínez-Hess. Cruz is the vice president of advertising revenue operations at Frankly Inc., a video platform and service company for broadcasters, and has more than 15 years of digital and business operations experience with start-ups and Fortune 500 companies. Martínez-Hess is a financial professional at New York Life and the vice president of 100 Hispanic Women of Westchester. Debra Kousouros, president of Hope’s Door’s board, said, “They are both bright, energetic and talented individuals who have demonstrated strong leadership skills.”

NOVEMBER 12, 2018

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ZURLO NAMED HGAR’S REALTOR OF THE YEAR

Renee Zurlo of BHG Rand Realty in Central Valley has been named Realtor of the Year for 2018 by the Hudson Gateway Association of Realtors (HGAR). She received the award at HGAR’s 102nd annual meeting held Oct. 29 at the DoubleTree Hotel in Tarrytown. Zurlo has served as president of the Hudson Gateway Multiple Listing Services for the past three years William Jansz, senior officer, bank administration for Trustco Bank, was named the HGAR Affiliate Member of the Year for 2018. Spirit Awards went to Crystal Hawkins Syska of Keller Williams New York Realty in White Plains and Emi Cacace of the Portico Realty Group in Scarsdale and Manhattan. Ray Hollingsworth Falu of Hollingsworth Real Estate in White Plains and Irene Guanill of Meet the Sellers in the Bronx received Extra Mile Awards. The President’s award went to Gail Fattizzi of Westchester Real Estate Inc. in Somers. The Albert P. Schatz Legislative Advocacy Award went to Leah Caro of Park Sterling Realty in Bronxville. Christopher Greco of Richard Greco Real Estate in the Bronx received the Stephanie Crispinelli Humanitarian Award for founding Christopher’s Voice, a nonprofit that helps families of autistic children Richard Herska of BHG Rand Realty in Nyack was honored with the Up & Coming Award. An award created this year in memory of Ed Sumber, HGAR’s legal counsel who passed away in June, was given to John Dolgetta, Sumber’s partner who now serves as HGAR’s outside counsel.

HOSPITAL GALA BRINGS IN $1.7M

From left: Richard Thomas, Jeffrey Brown of Classic Audi, Brian Miller, Jamaal T. Bailey, Mark Schienberg and, in front, the manikin.

A new, state-of-the-art manikin for use in cardiopulmonary resuscitation (CPR) training has been donated to the Mount Vernon Fire Department by Classic Audi. The automobile dealer has been located in the city’s Fleetwood section for 38 years and employs 90 people. “First responders risk their lives protecting our city, so assisting them in their vital training is so important for the safety of our community,” said Brian Miller,

owner of Classic Audi. Mayor Richard Thomas and Fire Commissioner Theodore Beale accepted the gift on behalf of the city at a ceremony also attended by Mark Schienberg, president of the Greater New York Automobile Dealers Association (GNYADA) and state Sen. Jamaal T. Bailey. GNYADA members have donated more than 100 of the resuscitation

training manikins, which cost more than $3,000 each, to local first responders throughout the downstate region. Mount Vernon Fire Captain Robert Trippodo, head of CPR training, said the new manikin will be used immediately to recertify first responders in CPR techniques and that it will enable the department to conduct more state-mandated recertification in-house.

The Friends of White Plains Hospital recently hosted a gala marking the hospital’s 125th anniversary. The sold-out event took place at the Sleepy Hollow Country Club in Briarcliff Manor, the site of the hospital’s first gala in 1956. The gala raised $1.7 million, which will be used to help support the hospital programs and services. The hospital says this was the most successful event in its history. The gala was co-chaired by Wendy Berk of Scarsdale, Anna Cappucci of Harrison and Geralyn Della Cava and Kathleen Winterroll both of Scarsdale. The 800 guests enjoyed a historical video tribute, which explored the hospital’s beginnings and development over the years, followed by dinner, dancing, a silent auction and fireworks display.

GOLFING FOR CPW

The New York State Building Officials Conference (NYSBOC) held its fifth annual golf outing at Westchester Hills Golf Club in White Plains on Oct. 30. The event, benefitting Cerebral Palsy of Westchester (CPW), opened with the Pledge of Allegiance led by CPW’s Adaptive Boy Scout Troop No. 535, alongside former Yankees relief pitcher Mariano Rivera. Rivera and 101 other golfers took part in tournament, followed by an awards dinner and benefit auction. Sal Pennelle, president of NYSBOC, noted that the organization has been a regular supporter of CPW. Since 2012, members have donated holiday gifts to each student in CPW’s school program, and in 2014 chose CPW as its charity of choice. Proceeds from the events have been used for capital improvements to CPW’s main campus in Rye Brook, including renovations to the gym and the construction of a new sensory room. NYSBOC is a group of building officials who meet once a month to review code updates and code enforcements at 42 municipalities in Westchester County. The group currently has 150 active members.

WHITE COAT CEREMONY, NOT SYNDROME

Jane Veron

VERON RECEIVES POINT OF LIGHT AWARD Medical students receive their white coats on stage at NYMC.

Some people fear walking into a doctor’s office. They get nervous, start sweating and their blood pressure shoots up. It’s called “white coat syndrome,” named for the white coats doctors and nurses often wear. At New York Medical College (NYMC) on Oct. 22, however, white coats were a welcome sight as nearly 1,000 guests assembled to witness 202 firstyear medical students formally enrobed during the School of Medicine Class of

2022 White Coat Ceremony. It’s a rite of passage, which marks medical students’ entrance into the medical profession. NYMC President Alan Kadish explained that many historians believe the white coat was modeled after the uniform of the Roman Senate – meant to represent privilege, but also responsibility, obligation and a deep sense of honor. “As you continue to develop into physicians I hope you remember this sense of responsibility, obli-

gation and honor that started here with this White Coat Ceremony,” he said. Keynote speaker Renee Garrick, executive medical director and vice dean for Westchester Medical Center and professor of clinical medicine, said, “Our relationship with our patients should always be something quite special, maybe even sacred. They share with us their innermost fears and anxieties, trust us to heal them if we can and to always put their needs first.”

IMPACT MAKES AN IMPACT

Jeffrey M. Feldman

‘BEST’ DESIGNATION FOR LAW FIRM The law firm Feldman, Kleidman, Coffey, Sappe & Regenbaum LLP based in Fishkill has been named to the 2019 edition of U.S. News - Best Lawyers “Best Law Firms.” The firm has clients throughout the Hudson Valley and into the Albany area. “We appreciate being recognized for our work and the meaningful impact it has on our clients,” said founding partner Jeffrey M. Feldman. The firm has been named to the list every year since 2010. Rankings involve in-depth assessments, including client and lawyer evaluations, peer reviews and other criteria. “The Best Lawyers in America” was first published in 1983. In 2009, the directory began its association with U.S. News & World Report.

Jane Veron, CEO and co-founder of The Acceleration Project (TAP) in Scarsdale, has received a Daily Point of Light Award. The award is given each weekday by Points of Light, which was founded in 1990 by President George H.W. Bush. Veron co-founded TAP in 2012. The nonprofit consulting firm provides strategic and tactical advice to small businesses, entrepreneurs, municipalities and foundations. “The Daily Point of Light Award recognizes exceptional individuals who are using their time, talent, voice and treasure to improve the lives of others,” said Jaqueline Innocent, vice president, Points of Light Recognition Programs. Veron said, “I knew there was this incredible pool of talent, primarily women who left the workforce to care for families, who had extensive skills and experience.” She explained that her idea was to identify, train and mobilize the talent and make it available to business owners who could not afford it. TAP has served about 100 business clients. Veron is involved in more than TAP. She currently is a Scarsdale Village trustee, a trustee of the Scarsdale Foundation, a member of the Harvard Women’s Leadership Board and the Harvard Business School Alumni Board, the Regional Plan Association and Golden Seeds.

CORRECTION In “Good Things Happening” of Nov. 5, we reported that Bernard F. Curry III had been nominated for and received the 2019 TIME Dealer of the Year award. While he was one of 51 nominees, the winner is unknown at this time and is due to be announced at the National Automobile Dealers Association Show in San Francisco in January.

Impact staffers, from left: Kate Wark, Filomena Fanelli and Kristin Delia.

Hudson Valley public relations and marketing firm Impact PR & Communications Ltd. has received honors from the Public Relations Society of America (PRSA). It received five awards for excellence in public relations and communications at the recent Mercury Awards event hosted

by the Westchester/Fairfield and Greater Connecticut Chapters. A team of 12 judges from PRSA’s Central California Chapter evaluated the entries on a numerical scale. PRSA has more than 30,000 members spanning every sector of the communica-

tions industry. “As an active member of the Westchester/Fairfield Chapter of the PRSA, we were excited to participate in the Mercury Awards for the first time,” said Filomena Fanelli, president and CEO of Impact.

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

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NOVEMBER 12, 2018

Facts & Figures NEW ROCHELLE, 2 Argyll Ave. Single-family residence; lot size: .14 acres. Plaintiff: Berkshire Financial Group. Plaintiff’s attorney: McCabe, Weisberg & Conway PC, 145 Huguenot St., Suite 401, New Rochelle. Defendant: Melanie Howlett. Referee: Michael Amodio. Sale: Nov. 14, 10 a.m. Approximate lien: $430,166. NEW ROCHELLE, 20 Trenor Drive. Single-family residence; lot size: .28 acres. Plaintiff: Wells Fargo Bank National Association. Plaintiff’s attorney: Woods Oviatt Gilman LLP, 700 Crossroads Building, 2 State St., Rochester. Defendant: Kwabena McPhee Djan, Referee: Preston Scher. Sale: Nov. 14, 11 a.m. Approximate lien: $790,571. NEW ROCHELLE, 200 Webster Ave. Two-family residence; lot size .11 acres. Plaintiff: HSBC Bank USA National Association. Plaintiff’s attorney: Fein Such & Crane LLP, 1400 Old Country Road, Westbury. Defendant: Jorge Barajas. Referee: Thomas Galluan. Sale: Nov. 13, 10 a.m. Approximate lien: $602,339. OSSINING, 59 Ellis Place. Two-family residence; lot size .05 acres. Plaintiff: US Bank National Association. Plaintiff’s attorney: Gross Polowy LLC, 1775 Wehrle Drive, Williamsville. Defendant: Maria Chuni. Referee: Risa Kass. Sale: Nov. 19, 10:30 a.m. Approximate lien: $662,844. PORT CHESTER, 24 Barrett Lane. Single-family residence: lot size: .17 acres. Plaintiff: US Bank National Association. Plaintiff’s attorney: McCalla Raymer Leibert Pierce LLC, 420 Lexington Ave., New York City. Defendant: Anna Lo Oliva. Referee: Clement Patti. Sale: Nov. 13, 10:30 a.m. Approximate lien: $1,103,401. PURCHASE, 40 Pinehurst Drive. Single-family residence; lot size: .05 acres. Plaintiff: Citizens Bank NA. Plaintiff’s attorney: Rosicki & Rosicki & Associates, 2 Summit Court, Suite 301, Fishkill. Defendant: Spencer Brown. Referee: Joseph Maria. Sale: Nov. 19, 9 a.m. Approximate lien: $520,341. WHITE PLAINS, 126 Manhattan Ave. Single-family residence; lot size: .11 acres. Plaintiff: Fareverse LLC. Plaintiff’s attorney: RAS Boriskin, 900 Merchants Concourse, Westbury. Defendant: Odelle Curry. Referee: Robert Ryan. Sale: Nov. 14, 10 a.m. Approximate lien: N/A. YONKERS, 1 Rex Place. Single-family residence; lot size: .14 acres. Plaintiff: New Penn Financial LLC. Plaintiff’s attorney: RAS Boriskin, 900 Merchants Concourse, Westbury. Defendant: Frank Boggio. Referee: Risa Kass. Sale: Nov. 14, 2 p.m. Approximate lien: N/A. YONKERS, 49 Sweetfield Circle. Single-family residence; lot size: .19 acres. Plaintiff: Bank of America. Plaintiff’s attorney: Aldridge Pite LLP, Marcus Drive, Melville. Defendant: Angela Giantelli. Referee: Joan Iacono. Sale: Nov. 13, 9:30 a.m. Approximate lien: $586,765.

NOVEMBER 12, 2018

YORKTOWN HEIGHTS, 54 Forest Lane. Single-family residence; lot size: 100x100. Plaintiff: Wilmington Savings Fund Society. Plaintiff’s attorney: Knuckles, Komosinski & Elliot, 565 Taxter Road, Suite 509, Elmsford. Defendant: Mark Angelo Labate. Referee: Clement Patti Jr. Sale: Nov. 27, 1o a.m. Approximate lien: $489,994. YORKTOWN HEIGHTS, 171 Hitching Post Lane. Single-family residence; lot size: .11 acres. Plaintiff: JPMorgan Chase Bank NA. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 172 Mile Crossing Blvd. Rochester. Defendant: Anthony Toro. Referee: Joseph Goubeaud. Sale: Nov. 16, 10 a.m. Approximate lien: $283, 685.

JUDGMENTS Artisanal Brands Inc., Bronxville. $46,927 in favor of Thomas Export SAS, Thais, Francia. Filed Oct. 22. Costa Electrical Contractors Corp., Ossining. $36,149 in favor of Elec-Con Trust, Latham. Filed Oct. 22. Detco Construction Inc., Pelham. $17,710 in favor of the Contractors Compensation Trust, Latham. Filed Oct. 22. Drywall and Acoustics of Northeast Inc., Buchanan. $18,116 in favor of the trustees of the District Council 9, White Plains. Filed Oct. 26. Duro Electrical Contracting Corp., Thornwood. $26,272 in favor of Elec-Con Trust, Latham. Filed Oct. 22.

Heslin, Patricia Charles, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $275,000 affecting property located at 346 Read Ave., Tuckahoe 10707. Filed June 13. Hoffman, Peter M., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $1.1 million affecting property located at 65 Stonewall Circle, Harrison 10604. Filed June 13. Horn, Anthony G., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $625,500 affecting property located at 15 Governors Road, Bronxville 10708. Filed June 12. Ortiz-Qureishi, Luisa, et al. Filed by Wilmington Trust. Action: seeks to foreclose on a mortgage to secure $267,900 affecting property located at 3145 Stoneleigh Court, Yorktown Heights 10598. Filed June 12. Taylor, Keith, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $353,600 affecting property located at 25 Florence Ave., White Plains 10607. Filed June 12.

Mechanic’s Liens 204 Brewster LLC, as owner. $12,700 as claimed by Builder Services Group Inc., Brewster. Property: in Scarsdale. Filed Oct. 31. Baywood Hotels, as owner. $370,189 as claimed by Rite Flow Mechanical Corp. Property: in Greenburgh. Filed Oct 31.

Gourmet Express Inc., Pelham. $1,569 in favor of Sysco Metro New York LLC, Jersey City, New Jersey. Filed Oct. 25.

Falcone, Jeffrey, as owner. $19,747 as claimed by Troy Adorno. Property: in New Rochelle. Filed Oct. 31.

Greenwich Riverview LLC, Pleasantville. $8,875 in favor of Evangelista Hair Salon Inc., White Plains. Filed Oct. 23.

Marcello, Melissa B., et al, as owner. $37,778 as claimed by Ferrandino Enterprises LLC, Ridgefield, Connecticut. Property: in Greenburgh. Filed Oct. 31.

On-Bulb Inc., Lakewood, New Jersey. $24,765 in favor of Scarsdale-Fairway LLC, Hartsdale. Filed Oct. 24.

LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. Bancel, Patrick L., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure an undisclosed amount affecting property located at 52 Webster Ave., Apt. 40, New Rochelle 10801. Filed June 13.

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U.S. Bank N.A., as owner. $180,100 as claimed by Gail Bey Trust and Karen El Trust, Yonkers. Property: in Yonkers. Filed Oct. 25. W.P. Mall Realty LLC, as owner. $160,000 as claimed by Salusbury and Company LLC, New York City. Property: in White Plains. Filed Oct. 31.

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

Sole Proprietorships Alter Native, 100 Main St., No. 382, White Plains 10601, c/o Blanca Maigua Saravino. Filed April 5. Cool N Conscience, 40 E. Sidney Ave., No. 2F, Mount Vernon 10550, c/o Dazman Jones. Filed April 5. D and S Barber, 57 Park Hill Ave., Yonkers 10701, c/o Sara Bravo. Filed April 5. Faith and Grind, 632 Warburton Ave., No. 5G, Yonkers 10701, c/o Michael Buffalo. Filed April 5. IG Marina Barber, 262 S. Broadway, Yonkers 10701, c/o Luz Marina Navarro. Filed April 5. Intelligent Analytics Consulting, 17 Boulder Brook Road, Scarsdale 10583, c/o Ming Fang. Filed April 5. Look With Me Coaching, 20 Water Grant St., Apt. 503, Yonkers 10701, c/o Lana J. Cain. Filed April 5. Rising Stay Home Care, 22 Indian Hill Road, Shrub Oak 10588, c/o Alphy Thompson. Filed April 5. UITC Group, 347 N. High St., Mount Vernon 10550, c/o Michael Campbell. Filed April 5.

PATENTS Bandwidth sharing. Patent no. 10,122,652 issued to Michael D. McCarrick, Galena, Ohio. Assigned to International Business Machines Corp., Armonk. Communications of usernames and passwords to a plurality of cloud storages via a plurality of communications protocols that change over time. Patent no. 10,122,832 issued to Matthew G. Borlick, Tucson, Arizona; Lokesh M. Gupta, Tucson, Arizona; Roger G. Hathorn, Tucson, Arizona; Karl A. Nielsen, Tucson, Arizona. Assigned to International Business Machines Corp., Armonk. Consistency level driven data storage in a dispersed storage network. Patent no. 10,122,795 issued to Andrew D. Baptist, Mount Pleasant, Wisconsin; Greg R. Dhuse, Chicago, Illinois; Ravi V. Khadiwala, Bartlett, Illinois; Ilya Volvovski, Chicago, Illinois. Assigned to International Business Machines Corp., Armonk.

Customer touchpoint patterns and associated sentiment analysis. Patent no. 10,123,172 issued to Lisa Seacat DeLuca, Baltimore, Maryland; Dana L. Price, Surf City, North Carolina; Shelbee D. Smith-Eigenbrode, Thornton, Colorado. Assigned to International Business Machines Corp., Armonk. Distributed cellular client tracking. Patent no. 10,123,159 issued to Darryl M. Adderly, Morrisville, North Carolina; Jonathan W. Jackson, Durham, North Carolina; Ajit Jariwala, Cary, North Carolina; Eric B. Libow, Raleigh, North Carolina. Assigned to International Business Machines Corp., Armonk. Eliminating false positives of neighboring zones. Patent no. 10,123,165 issued to Ryan M. Graham, Durham, North Carolina; Jeremy Greenberger, San Jose, California; Ciaran Hannigan, Morrisville, North Carolina; Matthew J. Margolis, Raleigh, North Carolina; Kevin Roisin, Cary, North Carolina. Assigned to International Business Machines Corp., Armonk. Energy management system for a data center network. Patent no. 10,122,653 issued to Casimer M. DeCusatis, Poughkeepsie; Thomas A. Gregg, Highland; Rajaram B. Krishnamurthy, Wappingers Falls; Anuradha Rao, Hopewell Junction. Assigned to International Business Machines Corp., Armonk. Group interference based upon venue zone events. Patent no. 10,123,169 issued to Lisa Seacat DeLuca, Baltimore, Maryland. Assigned to International Business Machines Corp., Armonk. Identification of collaborating and gathering entities. Patent no. 10,122,805 issued to Kirk J. Krauss, Los Gatos, California. Assigned to International Business Machines Corp., Armonk. Inband data gathering with dynamic intermediary route selections. Patent no. 10,122,550 issued to Balan Subramanian, Cary, North Carolina; Christian Lee Hunt, Cary, North Carolina; Denilson Nastacio, Apex, North Carolina; Roger Michael Meli, Raleigh, North Carolina. Assigned to International Business Machines Corp., Armonk. Personalizing data system components and data sources as chatbots in a group chat session. Patent no. 10,122,655 issued to Jeff J. Li, Parkland, Florida; Ivan M. Milman, Austin, Texas; Wendi L. Nusbickel, Boca Raton, Florida. Assigned to International Business Machines Corp., Armonk. Protocol-based key management. Patent no. 10,122,693 issued to Bruce Arland Rich, Austin, Texas; Krishna Kishore Yellepeddy, Austin, Texas; Xiaoyan Y. Zhang, Austin, Texas. Assigned to International Business Machines Corp., Armonk.

Resonant cavity strained group III-V photodetector and LED on silicon substrate and method to fabricate same. Patent no. 10,122,153 issued to Cheng-Wei Cheng, White Plains; Effendi Leobandung, Stormville; Ning Li, White Plains; Devendra K. Sadana, Pleasantville; Kuen-Ting Shiu, Yorktown Heights. Assigned to International Business Machines Corp., Armonk. Retrieving and reusing stored message content. Patent no. 10,122,666 issued to James E. Bostick, Cedar Park, Texas; John M. Ganci Jr., Cary, North Carolina; Stephen G. Meyer, Chicago, Illinois; Kimberly G. Starks, Nashville, Tennessee. Assigned to International Business Machines Corp., Armonk. Slam latch. Patent no. 10,123,447 issued to Brandon R. Christenson, Stewartville, Minnesota; Elias J. Rosedahl, Zumbrota, Minnesota. Assigned to International Business Machines Corp., Armonk. Switching media streams in a client system based on environmental changes. Patent no. 10,122,779 issued to Jeffrey D. Amsterdam, Marietta, Georgia; Christopher E. Holladay, Marietta, Georgia; Ryan L. Whitman, Sunny Side, Georgia. Assigned to International Business Machines Corp., Armonk. User impersonation/delegation in a token-based authentication system. Patent no. 10,122,707 issued to Michael John Fork, Gibsonbourg, Ohio; Vincent Edmund Price, Wake Forest, North Carolina. Assigned to International Business Machines Corp., Armonk.

HUDSON VALLEY BUILDING LOANS Above $1 million Kingston NH Operation LLC, Brooklyn, as owner. Lender: Citizens Bank N.A. Property: 1 Commons Drive, Lake Katrine. Amount: $32.8 million. Filed Oct. 23. Landmark Preservation LP, New York City, as owner. Lender: Wells Fargo Bank N.A. Property: 7974 Main St. and 86 Maple Ave., Hunter 12442, 295 Broadway and 1 Albany Ave., Kingston, Amount: $22.7 million. Filed Oct. 30.

Facts & Figures Below $1 million Clark, Robert S., et al, Stone Ridge, as owner. Lender: Sawyer Savings Bank, Saugerties. Property: 351 High Point Mountain Road, Shokan 12494. Amount: $192,000. Filed Oct. 31. Diorio-Taylor, Laurell, Milton, as owner. Lender: Wallkill Valley Federal Savings and Loan Association, Walden. Property: 62 Hudson Terrace, Marlborough. Amount: $336,000. Filed Oct. 26. Hollenbeck, James C., et al, New Windsor, as owner. Lender: Walden Savings Bank, Montgomery. Property: in Plattekill. Amount: $314,500. Filed Oct. 26. Merrill, Richard Sr., et al, Highland, as owner. Lender: Walden Savings Bank, Montgomery. Property: in Plattekill. Amount: $200,000. Filed Oct. 23. Meyers, Paul A., et al, Bronx, as owner. Lender: Webster Bank N.A. Property: 56 Sycamore Road, Mahopac 10541. Amount: $450,000. Filed Oct. 25. Rider, Christopher M., et al, Tillson, as owner. Lender: Ulster Savings Bank, Kingston. Property: 83 Picnic Woods Road, Lloyd 12515. Amount: $150,000. Filed Nov. 1. Shook, Helen, Olivebridge, as owner. Lender: National Bank of Coxsackie, Coxsackie. Property: in Olive. Amount: $90,000. Filed Oct. 23. Triolo, Vito, et al, Marlboro, as owner. Lender: Walden Savings Bank, Montgomery. Property: in Marlborough. Amount: $295,000. Filed Nov. 5.

DEEDS Above $1 million A and W 7608 Realty LLC, Saugerties. Seller: M.Q.M. Motel Inc., Saugerties. Property: 3127 Route 9W, Saugerties 12477. Amount: $1.4 million. Filed Oct. 30. Hidden Forest MHP LLC, Brooklyn. Seller: Junko LLC, Kingston. Property: in Rochester. Amount: $1.4 million. Filed Nov. 1. Kingston NH Realty LLC, Brooklyn. Seller: NYMED Inc., Lake Katrine. Property: in Ulster. Amount: $26.6 million. Filed Oct. 23. Landmark Preservation Housing Development Fund Corp., New York City. Seller: Granada Buildings Inc., Kingston. Property: in Kingston. Amount: $10.7 million. Filed Oct. 22.

Landmark Preservation Housing Development Fund Corp., New York City. Seller: Ver Noy Kill Development Company Inc., Kingston. Property: in Kingston. Amount: $9.7 million. Filed Oct. 22.

Chichester Farm LLC, Chichester. Seller: Arthur E. Christie, et al, Chichester. Property: in Shandaken. Amount: $657,000. Filed Nov. 1.

Below $1 million

Civil Properties LLC, Saugerties. Seller: Richard J. Praetorius, et al, Saugerties. Property: in Saugerties. Amount: $260,000. Filed Oct. 25.

121 Eastern LLC, Yonkers. Seller: Howard Martin, Mohegan Lake. Property: 121 Eastern Road, Putnam Valley 10579. Amount: $275,000. Filed Oct. 11.

Crestwood Lake Capital LLC, White Plains. Seller: Robert S. Martino, New Paltz. Property: 9 Grove St., New Paltz 12561. Amount: $250,000. Filed Nov. 5.

126 Glenerie Boulevard LLC, Saugerties. Seller: Karen E. Decrosta, et al, Saugerties. Property: in Ulster. Amount: $101,000. Filed Oct. 23.

Deutsche Bank National Trust Co. Seller: Tricia De Angelis, Carmel. Property: 329 Fox Run Lane, Carmel 10512. Amount: $70,000. Filed Oct. 25.

140 Fries Lane LLC, Montgomery. Seller: Jerry J. Sheehan, Wallkill. Property: in Shawangunk. Amount: $137,000. Filed Oct. 24.

Federal Home Loan Mortgage Corp. Seller: Maureen Fleming, Kent Lakes. Property: 9 Woodleigh Road, Putnam Valley 10579. Amount: $463,131. Filed Oct. 22.

180 Developers LLC, Ellenville. Seller: Elieser Reyes, et al, Accord. Property: in Ellenville. Amount: $40,000. Filed Oct. 22. 180 Developers LLC, Ellenville. Seller: U.S. Bank N.A. Property: 1281 Burlingham Road, Pine Bush 12566. Amount: $37,500. Filed Oct. 22. 180 Developers LLC, Ellenville. Seller: Wilmington Savings Fund Society FSB. Property: 19 Kosser Place, Ellenville 12428. Amount: $18,750. Filed Nov. 2. 30 Church Street Highland LLC, Long Beach. Seller: Highland Public Library, Highland. Property: in Lloyd. Amount: $210,000. Filed Oct. 26. 3516 Route 28 LLC, Woodstock. Seller: Eric J. Preisendorfer, et al, Boiceville. Property: 3516 Route 28, Olive. Amount: $100,000. Filed Nov. 2. 49 Cliff Street LLC, Carmel. Seller: Nationstar Mortgage LLC. Property: 19 Locust Drive, Brewster 10509. Amount: $210,000. Filed Oct. 29. 99 Motel Inc., Ellenville. Seller: Village Hospitality Inn Corp., Florida. Property: 66 N. Main St., Ellenville 12428. Amount: $700,000. Filed Oct. 30.

Flippin Crazy LLC, Kingston. Seller: Sharon Ayres, Bloomington. Property: in Kingston. Amount: $135,000. Filed Oct. 23. Glenwood Drive LLC, Brooklyn. Seller: Lori J. Currier Woods, et al, Middletown. Property: in Shawangunk. Amount: $360,000. Filed Oct. 31.

Ulster County Resource Recovery Agency, Kingston. Seller: W. James Mac Naughton, Newton. New Jersey. Property: in Ulster. Amount: $100,000. Filed Oct. 24.

Empire Waste Services of Ulster County Inc., Ellenville. $59,741 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

Mountain Prime 2018 LLC, Pleasant View, Utah. Seller: JPMorgan Chase Bank. Property: 1304 Indian Springs Road, Pine Bush 12566. Amount: $122,620. Filed Oct. 25.

Viewmont Ventures LLC, Germantown. Seller: Bernadette Kane, Maplewood, New Jersey. Property: in Kingston. Amount: $165,000. Filed Oct. 23.

Ered Enterprises Inc., Oliverea. $6,335 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

MTGLQ Investors LP, Greenville, South Carolina. Seller: Cirino M. Bruno, Cochecton. Property: 12 Quincy Road, Putnam Valley 10579. Amount: $684,045. Filed Oct. 12.

Wallkill River Realty LLC, Newburgh. Seller: K and N Wallkill Properties LLC, Wallkill. Property: 34 Wallkill Ave., Wallkill. Amount: $265,000. Filed Nov. 2.

Nationstar Mortgage LLC. Seller: Arlene Hendricks, Esopus. Property: 1490 Route 213, Esopus 12487. Amount: $167,627. Filed Oct. 22.

Weichert Workforce Mobility Inc., Morris Plains, New Jersey. Seller: Daniel Lowe, et al, Mahopac. Property: in Carmel. Amount: $372,500. Filed Oct. 30.

NJCC-NYS Community Restoration Fund LLC. Seller: Christopher R. Detlefsen, Margate, Florida. Property: 12 Brewster St., Milton 12547. Amount: $151,035. Filed Nov. 2. OIA Holding LLC, Pawling. Seller: Branca Consulting Services LLC, Port Chester. Property: in Patterson. Amount: $300,000. Filed Oct. 22. Old Stockade Development LLC, Kingston. Seller: Ulster Savings Bank, Kingston. Property: in Olive. Amount: $162,500. Filed Oct. 25.

House Buyers Corp., Sandy Hook, Connecticut Seller: MTGLQ Investors LP. Property: 119 Route 164, Patterson 12563. Amount: $215,000. Filed Nov. 2.

ONLS LLC, Cold Spring. Seller: Route 9 Holdings LLC, Cold Spring. Property: in Philipstown. Amount: $405,000. Filed Oct. 12.

Hudson Division Properties LLC, Garrison. Seller: Seth W. Sherman, Burlington, Vermont. Property: in Philipstown. Amount: $607,500. Filed Oct. 18.

Patmar United LLC, New Windsor. Seller: Diane Radek, Marlboro. Property: 76 Bingham Road, Marlboro. Amount: $70,000. Filed Nov. 5.

Hudson Valley Federal Credit Union, Poughkeepsie. Seller: P. Daniel Hollis III, Mount Kisco. Property: in Patterson. Amount: $142,632. Filed Oct. 12.

Sirva Relocation Credit LLC. Seller: Robert Vislosky, et al, Mahopac. Property: 30 Hillside Trail, Mahopac 10541. Amount: $750,000. Filed Oct. 15.

Kovacs and Company LLC, Kingston. Seller: Vincent F. Legregni, Kingston. Property: in Kingston. Amount: $340,000. Filed Oct. 31.

SPF Holdings II LLC, Marlboro. Seller: Nancy Acevedo, et al, Wallkill. Property: in Plattekill. Amount: $525,000. Filed Nov. 2.

Lejdina Realty Inc., Newburgh. Seller: John Barley, et al, Milton. Property: 1 Stuart Drive, Marlboro. Amount: $107,000. Filed Oct. 29.

Stonewall Enterprises LLC, Carmel. Seller: Frank Andriola, Mahopac. Property: 111 Maurice Drive, Mahopac 10541. Amount: $130,000. Filed Oct. 30.

Blue Topaz Development LLC, Highland. Seller: U.S. Bank N.A. Property: 34 Donna Lane West, Wallkill 12589. Amount: $122,375. Filed Oct. 24.

M.A.D.D.D. Group LLC, New York City. Seller: Seakill Inc., New Paltz. Property: in New Paltz. Amount: $110,000. Filed Oct. 25.

Bluestone Builders LLC, Kingston. Seller: Federal National Mortgage Association. Property: 67 Miller Lane, Kingston 12401. Amount: $110,000. Filed Nov. 5.

M&T Bank, Getzville. Seller: Gordon B. Fine, Yorktown Heights. Property: 649 Farm to Market Road, Brewster 10509. Amount: $186,141. Filed Oct. 23.

Branca Consulting Services LLC, Port Chester. Seller: 2160 Patterson Corp., Yorktown Heights. Property: in Patterson. Amount: $300,000. Filed Oct. 22.

Maristan Properties Inc., Carmel. Seller: V Mortgage REO 2 LLC, Greenville, South Carolina. Property: 4 Jerome Drive, Brewster 10509. Amount: $85,000. Filed Oct. 30.

Tennis Indoors of New York Inc., Mahopac. Seller: Paul Camarda, Carmel. Property: in Carmel. Amount: $680,000. Filed Oct. 19. Trixie and Screetch LLC, Bearsville. Seller: Charles Zarett, Pompano Beach, Florida. Property: in Woodstock. Amount: $205,000. Filed Oct. 25.

JUDGMENTS 613 Automotive Group Inc., Ellenville. $178,685 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30. Audiogrouch Corp., Kingston. $37,058 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30. Bazar Specialties of Woodstock Inc., Woodstock. $601 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30. Bulkwater Supply Inc., Kingston. $360 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10. Caballero, Ellenville. $103 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 15. Crepe Escape, Lake Katrine. $260 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 15. D and G Beauty Supply and More, Ellenville. $1,144 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 28. Dentist 4 U P.C., Port Ewen. $109 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10. Dun-Rite Commercial Cleaning, Milton. $301 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 15. Elite Mechanical Corp., Kingston. $1,311 in favor of the New York State Department of Labor, Albany. Filed Oct. 12.

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Exovault, Ellenville. $2,114 in favor of the New York State Department of Labor, Albany. Filed Oct. 26. Expresstech Printing Inc., Stone Ridge. $386 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 22. Golden Industrial Park Inc., Ellenville. $892 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 28. Gourmet Vends Inc., Gardiner. $13,457 in favor of New York State Department of Taxation and Finance, Albany. Filed Oct. 10. Green Acres Excavating and Contracting Corp., Highland. $1,047 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 23. Green T Energy Inc., Accord. $1,146 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10. Hudson Valley Paintless Dent Removal Inc., Marlboro. $2,828 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 28. Itâ&#x20AC;&#x2122;s All Good Living Inc., Kingston. $175 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10. Jentrip Ltd., Rosendale. $18,264 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 15. Jesse Cunningham Landscapes, Saugerties. $1,181 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30. Kaznowski and Son Inc., Kingston. $1,099 in favor of the New York State Department of Labor, Albany. Filed Oct. 26. Keifer Lane Realty LLC, Kingston. $994 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 15. Kingston Buffet Inc., Kingston. $110 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

NOVEMBER 12, 2018

Facts & Figures

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La Charla Mexican Restaurant Corp., New Paltz. $2,054 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 22. Lemongrass Corp., New Paltz. $20,197 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30. Menton LLC, New Paltz. $5,044 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

Wine Worldwide Inc., New Paltz. $432 in favor of the New York State Department of Labor, Albany. Filed Oct. 12.

Speckled Frog Playcare, West Camp. $2,594 in favor of the New York State Department of Labor, Albany. Filed Oct. 26.

Woodstock Market Manager Corp., Woodstock. $452 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 22. Zephyr Pub and Grub Inc., Pine Hill. $18,204 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

New World Catering Corp., West Hurley. $18,114 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

Tavern 214 LLC, Phoenicia. $55,743 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

LIS PENDENS

New York Pest Solutions Inc., Saugerties. $5,467 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

TDSJ LLC, Saugerties. $103 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 28. Tettas Food Port, Olivebridge. $2,018 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30. The Beverly Bar Inc., Kingston. $7,636 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 28.

The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. 84-86 6 ½ Station Road Property LLC, et al. Filed by Sterling National Bank. Action: seeks to foreclose on a mortgage to secure $277,500 affecting property located in Goshen. Filed Aug. 24. Badoiu, Marian Catalin, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $197,414 affecting property located at 40 Delaware Trail, Pine Bush 12566. Filed Oct. 30.

Overlook Farms Inc., Milton. $533 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

The Dream Hospitality Inc., Highland. $50,413 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

Pah-Hah Inc., Bearsville. $36,979 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 15.

The Peoples Cauldron, Rosendale. $150 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 28.

Papa Bear Records Inc., Kingston. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

The Wine Store of Marlborough Inc., Marlboro. $27,868 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 22.

Beamon, Faye, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $292,000 affecting property located at 27 Dixon Road, Mahopac 10541. Filed Oct. 24.

Tias Tax Service AAA Well Suited Uniforms, Kingston. $1,047 in favor of the New York State Department of Labor and the Department of Taxation and Finance, Albany. Filed Oct. 23.

Booth, Demarest J. Jr., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 130 Eastern Road, Putnam Valley 10579. Filed Oct. 19.

TJM Construction Services Inc., Kingston. $410 in favor of the New York State Department of Labor, Albany. Filed Oct. 26.

Brosnan, William, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $256,500 affecting property located at 438 S. Ohioville Road, New Paltz 12561. Filed Oct. 24.

Pustarfi Contracting Inc., Lake Katrine. $1,921 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 22. R and R Lawns, Kingston. $3,245 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 15. Red Leaf Exteriors Inc., Marlboro. $2,941 in favor of the New York State Department of Labor, Albany. Filed Oct. 12. Root By Cindy, New Paltz. $100 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 28.

WCBJ

Sole Spa Inc., Wallkill. $259 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

Taste of Italy Pizzeria and Restaurant LLC, Kingston. $168 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 22.

On Wall Street Inc., Kingston. $882 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 22.

NOVEMBER 12, 2018

V-S Trucking, Kingston. $101 in favor of the New York State Department of Taxation and Finance, Albany. Filed Sept. 28.

Mitre Construction Ltd., Phoenicia. $563 in favor of New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

Nickel Electric Inc., Wallkill. $2,816 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 10.

Rose’s Tavern, Modena. $5,418 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

Tughill Snowmobile Works LLC, Saugerties. $1,623 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 22.

Baxter, Malcolm, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $303,050 affecting property located at 19 Ridgeview Drive, Patterson 12563. Filed Oct. 18.

Brown, Theresa Ann, et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $91,514 affecting property located at 2 N. Gate Drive, Walden 12586. Filed Aug. 22.

Facts & Figures Felice, Janel M., et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $180,800 affecting property located at 292 E. Chester St., Kingston 12401. Filed Oct. 30.

Licata, Paul M., et al. Filed by Homebridge Financial Services Inc. Action: seeks to foreclose on a mortgage to secure $201,465 affecting property located at 29 Werner Ave., Florida 10921. Filed Aug. 24.

Cherian, Abraham, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $250,750 affecting property located at 603-607 Old Stage Road, Saugerties 12477. Filed Oct. 22.

Ferracane, Betty, et al. Filed by Loandepot.com LLC. Action: seeks to foreclose on a mortgage to secure $194,596 affecting property located at 4179 Route 9W, West Camp 12490. Filed Oct. 29.

Lugbauer, Douglas B., et al. Filed by Citimortgage Inc. Action: seeks to foreclose on a mortgage to secure $289,275 affecting property located at 17 Olympus Drive, Mahopac 10541. Filed Oct. 24.

Chervil, Lynda, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $305,000 affecting property located at 55 Cascade Road, Warwick 10990. Filed Aug. 24.

Fox, Dennis, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $148,000 affecting property located at 49 Meadowbrook Drive, Kingston 12401. Filed Nov. 5.

Marsh, Gregory, et al. Filed by Citibank N.A. Action: seeks to foreclose on a mortgage to secure $417,000 affecting property located at 16 Ridgefield Road, Warwick 10990. Filed Aug. 24.

Conroy, Peter, et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $165,750 affecting property located at 76 Union St., Montgomery 12549. Filed Aug. 24.

Gadonniex, Anthony, et al. Filed by New Penn Financial LLC. Action: seeks to foreclose on a mortgage to secure $375,250 affecting property located at 29 Glen Rock Circle, Highland. Filed Oct. 30.

Matteson, Kenneth Everett Jr., et al. Filed by Citibank N.A. Action: seeks to foreclose on a mortgage to secure $50,000 affecting property located at 39 Mcalpin Ave., Mahopac. Filed Oct. 24.

Degennaro, Kevin P., et al. Filed by New Penn Financial LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 63 Old Firehouse Road, Plattekill 12568. Filed Oct. 22.

Greens, Covington, et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $165,000 affecting property located at 504 Covington Green Lane, Patterson 12563. Filed Oct. 12.

Mazzelli, Julie, et al. Filed by Freedom Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $257,254 affecting property located in Warwick. Filed Aug. 22.

Delamere, Siobhan, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $234,838 affecting property located at 87-91 Ellen Ave., Mahopac 10541. Filed Oct. 23.

Keller, Daniel N., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $139,374 affecting property located at 25 Old Route 9W, Saugerties 12477. Filed Nov. 5.

Cercena, Catherine A., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $343,400 affecting property located in Carmel. Filed Oct. 15.

Dellarossa, Isabella, et al. Filed by Wilmington Saving Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $616,500 affecting property located at 11 Fox Hollow Road, Brewster 10509. Filed Nov. 1. Descrespigny, Emma, et al. Filed by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $ affecting property located at 51 Crossroad Court, Kent 10512. Filed Oct. 26. DiMarco, Carmen, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $500,000 affecting property located at 34 Morningstar Drive, New Paltz 12561. Filed Oct. 23. Engelhardt, Matthew, et al. Filed by New Penn Financial LLC. Action: seeks to foreclose on a mortgage to secure $376,475 affecting property located at 43 Seven Oaks Lane, Brewster 10509. Filed Oct. 23. Felder, Melody M., et al. Filed by Caliber Home Loans Inc. Action: seeks to foreclose on a mortgage to secure $88,000 affecting property located at 77 Capron St., Walden 12586. Filed Aug. 22.

Kilpatrick, Heather E., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $232,000 affecting property located at 11 Cooks Lane, Gardiner 12525. Filed Oct. 30. Krycerick, Edward Jr., et al. Filed by Statebridge Company LLC. Action: seeks to foreclose on a mortgage to secure $231,450 affecting property located at 324 Union Valley Road, Mahopac 10541. Filed Oct. 23. Lacour, Vincent, as heir to the estate of Vincent Lacour, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $175,000 affecting property located at 14 Ipswich Road, Patterson 12563. Filed Oct. 29. Laurel, Dion, et al. Filed by Lakeview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $96,080 affecting property located at 97 Woodys Lane, Ellenville 12428. Filed Oct. 30. Lepore, Anthony, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $243,000 affecting property located at 483 Route 42, Shandaken 12480. Filed Oct. 29.

Miranda, Gustavo L., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $160,341 affecting property located at 180 Milton Turnpike, Milton 12547. Filed Oct. 29. Mitchell, Lorianne, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $180,000 affecting property located at 1135 Dogwood St., Kingston 12401. Filed Oct. 31. Noga, Russell, et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $249,375 affecting property located at 25 Warwick Road, Carmel 10512. Filed Oct. 19. O’Callahan, Colleen Ann, et al. Filed by Hudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $61,110 affecting property located at 72 Ose Road, Highland 12528. Filed Nov. 2. O’Connor, John M., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $85,000 affecting property located at 34 Birchwood Drive, Highland Mills 10930. Filed Aug. 22. O’Toole, Joseph, et al. Filed by Freedom Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $444,647 affecting property located at 9 Wild Turkey Lane, Rock Tavern 12575. Filed Aug. 24.

Pait, Larry, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $215,000 affecting property located at 533 Oscawana Lake Road, Putnam Valley 10579. Filed Oct. 15. Pangburn, Kenneth P., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $450,000 affecting property located at 284 Dewitt Mills Road, Kingston 12401. Filed Oct. 25.

Summo, Helene, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $120,000 affecting property located at 400 Haviland Drive, Patterson 12563. Filed Oct. 30. Sunko, Todd, et al. Filed by Towd Point Mortgage Trust 2017-5. Action: seeks to foreclose on a mortgage to secure $94,095 affecting property located at 64 Brunswick Ave., New Paltz 12561. Filed Oct. 30.

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

Partnerships Eclipse Electrical, 43 Nelson Haff Road, Saugerties 12477, c/o Zachary Tassone and Michael Manning. Filed Oct. 2.

Pretto, Donald, et al. Filed by Flagstar Bank FSB. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 19 Old Stage Road, Saugerties 12477. Filed Nov. 1.

Unknown heirs of the estate of Ramon A. Lebron, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 63 Krystal Lane, Plattekill 12568. Filed Nov. 1.

Przybocki, Ronald B., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $370,400 affecting property located at 32 Feiertag Road, Middletown 10941. Filed Aug. 23.

Vycital, Gregory E., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $160,481 affecting property located at 87 Kentview Drive, Carmel 10512. Filed Oct. 22.

Przyslupski, Jennifer, et al. Filed by Midfirst Bank. Action: seeks to foreclose on a mortgage to secure $186,558 affecting property located at 143 Riley Road, New Windsor 12553. Filed Aug. 23.

Wasserbach, Christian R., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $56,450 affecting property located at 509 Route 212, Saugerties 12477. Filed Nov. 1.

Raggo, Charlene, et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $263,023 affecting property located at 30 Craft Road, Kent Lakes 10512. Filed Oct. 16.

Wattoo, Riaz A., et al. Filed by E*Trade Bank. Action: seeks to foreclose on a mortgage to secure $503,200 affecting property located at 27 Bristol Drive, Middletown 10941. Filed Aug. 22.

Rosado, Luz, et al. Filed by Live Well Financial Inc. Action: seeks to foreclose on a mortgage to secure $285,000 affecting property located at 8 Orfeo Road, Wallkill 12589. Filed Oct. 24.

Weir, Kevin, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $187,790 affecting property located at 10 Wayne Ave., Fort Montgomery 10922. Filed Aug. 24.

Saldicco, Donald, et al. Filed by Wilmington Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 93 Tonetta Lake Way, Brewster 10509. Filed Oct. 12.

Witz, Georgeanne, et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $211,211 affecting property located at 16 Amy Lane, Middletown 10941. Filed Aug. 22.

Salzmann, James A., et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $156,000 affecting property located at 110 First St., Connelly 12417. Filed Oct. 30.

Mechanic’s Liens

Nino General Construction, 70 Liberty St., Kingston 12401, c/o Saturnino Navarrete Tapia. Filed Oct. 3.

Drummond, Lauren, as owner. $3,252 as claimed by Adams Plumbing and Heating Inc., Patterson. Property: 35 Gates Drive, Patterson 12563. Filed Oct. 12.

Odds and Errands Shopping Service, 332 Lucas Ave., Kingston 12401, c/o Matthew S. Perconti. Filed Oct. 4.

Schessel, Marc S., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $300,829 affecting property located at 4 Jacobs Lane, New Paltz 12561. Filed Nov. 5.

Sole Proprietorships Ants tree Service, 185 Willow Tree Road, Milton 12547, c/o Anthony R. Squires. Filed Oct. 3. Ayala’s Taxes, 223 Vineyard Ave., Apt. 2, Highland 12528, c/o David Ayala-Irizarry. Filed Oct. 3. Emily Kerekes, 1077 Route 28A, Hurley 12491, c/o Emily Victoria Kerekes. Filed Oct. 1. Hart Embroidery Designs, 170 Plattekill Ardonia Road, Wallkill 12589, c/o James W. Sarvis Jr. Filed Oct. 3. Heaven Unlimited, 95 Eighmey Road, Willow 12495, c/o Laurie Heaven. Filed Oct. 3. Jim Taylor Plumbing and Heating, P.O. Box 363, Clintondale 12528, c/o Joseph E. Kulaga. Filed Oct. 4. M and E Junk Removal, 735 Route 44/55, Plattekill 12528, c/o Einar G. Normann. Filed Oct. 3. Maria’s Efficient Cleaning Services, 367 Albany Ave., Kingston 12401, c/o Chetrom Mangra. Filed Oct. 1.

The S.M.A.R.T. Equestrian, 42 Wardwell Lane, Woodstock 12498, c/o Jeannine L. Knudsen. Filed Oct. 2.

Smith, Lisa J., et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $268,000 affecting property located at 125 Pancake Hollow Road, Highland 12528. Filed Nov. 2.

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NOVEMBER 12, 2018

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LEGAL NOTICES Notice of formation of 173 Maple LLC Art.of Org. filed w/ SSNY on Sept 7, 2018 office location: Westchester County SSNY designated as agent of the LLC upon who prcess against it may be served. SSNY shall mail process to: Gregg Anderson 1695 Croton Lake Rd Yorktown Heights, NY 10598 Purpose: any lawful purpose #61895 Hunter Drive-In LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/24/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 315 North Broadway, Sleepy Hollow, NY 10591. General Purpose. #61896 Notice of Formation of Same Day Solutions, LLC Art. Of Org. filed with SSNY on 9/19/18. 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, 84 Hyatt Avenue, Yonkers, NY 10704. Purpose: any lawful purpose. #61898 LASER ELECTRIC SERVICES LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 08/06/2018. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, 137 Pelham Rd., New Rochelle, New York 10805, principal business location of the LLC. Purpose: any lawful business activity. #61899 Notice of formation of Pavilion Coaching Services LLC. Articles of Organization filed with the Secretary of State of New York SSNY on 05/31/2018. Office location: Westchester. SSNY is designated for service of process. SSNY shall mail copy of any process served against the LLC 19 John Cava Lane Cortlandt Manor, NY 10567 Purpose: any lawful purpose. #61900

Nectar De Fete LLC. Art. Of Org. Filed with NY Secy of State on 17/19/2018. Office location: Westchester County. SSNY desig. as agent upon whom process may be served. SSNY shall mail a copy to the LLC 20 Van Cortlandt Pl. Cortlandt Manor NY 10567. Purpose: any lawful purpose #61901 Name of LLC: GPS Funding LLC. Application for Authority of Connecticut LLC filed with NY Sec. of State 9/21/18. Princ. off. loc.: Westchester Cty. Sec. of State designated as agent of LLC upon whom process against it may be served. Sec. of State shall mail a copy of process to the LLC, 2 Dearfield Drive, Suite 3, Greenwich, CT 06831: Purpose is any lawful activity. #61902 49 Chestnut Street LLC Filed 9/27/18 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 65-22 79th Place, Middle Village, NY 11379 Purpose: all lawful #61903 Giacinto Realty Holdings LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 7/19/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 671 Bronx River Rd., Unit 5K, Yonkers, NY 10704. General Purpose. #61905 Rubenstein & Cohen LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 10/5/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 155 White Plains Rd., Tarrytown, NY 10591. General Purpose. #61906 NOTICE OF FORMATION OF ROYAL UNISEX SALON, LLC. Arts of Org filed with the State of NY (SSNY) on 8/28/2018. Office in Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to:Careta Ali, 255 E Prospect Ave. Apt 1F, Mount Vernon NY 10550. Purpose: any lawful purpose or activity. #61907

Notice of Formation of SECOND DERIVATIVE INVESTORS, LLC. Articles of Organization filed with Secretary of State of New York (SSNY) on 07/23/2014. Office location: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC to Francis J. Saldutti, 149 Old Stone Hill Rd., Pound Ridge, NY 10576. Purpose: any lawful purpose or activity. #61908 Pac Your Bags LLC. Filed 5/14/18 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 100 South Bedford Road, Ste 340, Mount Kisco, NY 10549 Reg. Agent: United States Corporation Agents, Inc. @ 7014 13th Avenue, Suite 202, Brooklyn, NY 11228 Purpose: all lawful #61909 Gilbertís Global LLC. Auth. filed SSNY 8/17/18. LLC org. in DE 6/21/18. Princ. off loc & addr: Westchester Co, 1 Carstensen Rd, Scarsdale, NY 10583. SSNY desig. as agent of LLC upon whom proc. may be served & shall mail proc. to CSC, 251 Little Falls Dr., Wilmington, DE 19808, reg. agt. Cert. of Form on file: SSDE, Townsend Bldg., Dover, DE 19901. Purp.: any lawful purpose. #61910 Melike Trucking LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/25/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 14 Martens Place, C-2, Mount Vernon, NY 10550. General Purpose. #61911 Notice of Formation of Nantahala Strategies, LLC Art. of Org. filed with SSNY on 09/14/18. 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, 25 Neperan Rd. Apt 3, Tarrytown, NY 10591. Purpose: any lawful purpose. #61912

Notice of Application for Authority to do business in New York of MCCARTNEY STUCKY LLC (ìLLCî). Application for Authority filed with the Secretary of State (ìSSNYî) 10/10/18. LLC formed in Missouri (ìMOî) 8/30/18. Office location is Westchester County. SSNY has been designated as agent of LLC upon whom process against it may be served. SSNY shall mail a copy of such process to LLC at 411 Theodore Fremd Ave., Suite 206 South, Rye, NY 10580. Office address in MO is 330 W. 47th St., Suite 250, Kansas City, MO 64112. Copies of Articles of Organization of LLC are on file and may be obtained from the Secretary of State of MO, 600 W. Main St., Jefferson City, MO 65101. Purpose of business of LLC is any lawful business or purpose. #61913 Notice of the formation of JOHN HAMM CONSTRUCTION DEVELOPMENT LLC. Art. Of Org, filed with SSNY on 8-27-18, SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process for any lawful purpose, to: the LLC, 1 Glenwood Ave, Yonkers, NY 10701. #61916 FURNITURE AMERICAN PLUS, LLC. Arts.of Org. filed with the Secy of STAte of NY (SSNY) on 9/28/18. Off Loc: Westchester County. SSNY designated agent upon whom proccess may be served and shall mail copy to LLC c/o 32 Park Ave. Apt 3A White Plains, NY 10603. Purpose: all lawful #61917 NOTICE OF FORMATION of HarleyVine Design LLC. Arts. of Org. filed with Secy. of State of NY (SSNY) on 6/7/18. Offc. Loc.: Westchester Cty. SSNY desig. as agent of LLC upon whom process against it may be served. SSNY shall mail process to: Amy R. Ecker, 47 London Ter., New Rochelle, NY 10804. Purpose: any lawful purpose. #61918

Notice of Formation of Little Mademoiselle, LLC. Arts. of Org. filed with SSNY on 7/23/18. Office location: Westchester County. SSNY designated as agent of LLC upon whom process may be served. SSNY shall mail process to 118 Pinesbridge Road, Katonah, New York 10536. Purpose: any lawful act or activity. #61919 North No South LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 10/18/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to LLC c/o 21 Pines Bridge Road, Yorktown Heights, NY 10598. General Purpose. #61920 Notice of formation of SDC SOLAR I, LLC. Arts of Org. filed with SSNY on 8/24/18. Office loc. Westchester County. SSNY designated as agent upon whom process may be served. SSNY shall mail copy of any process to: Anna Parker 471 Milton Rd. Rye, NY 10580. Purpose: any lawful act or activity. #61922 Notice is hereby given that an on-premise license, #TBA has been applied for by 129 Sixth Corp d/b/a Richie’s Pelham Pub to sell beer, wine, liquor and cider at retail in an on premises establishment. For on premises consumption under the ABC law at 129 6th Street Pelham NY 10803. #61923 Notice of Formation of SR Life and Leadership Coaching LLC. Of Org. filed with SSNY on 9/19/18. 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, 6 Bird Lane, Rye, NY 10580. Purpose: all lawful. #61924

Notice of Formation of Gate House Lane, LLC, a domestic Limited Liability Company (LLC). Articles of Organization filed with the Secretary of State of NY (SSNY) on 9/11/2014. NY Office location: WESTCHESTER County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail a copy of any process against the LLC served upon him/her to The LLC, 501 East 79th Street, #10E, New York, New York 10075. Purpose: Any lawful act or activity. #61925 Old Quarry Farm, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 10/17/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 272 Hardscrabble Rd., North Salem, NY 10560. General Purpose. #61926 The Annual Return of the The Karen E Kohler Charitable Foundation For the calendar year December 31, 2017 Is available at its principal office located at 752 North Street, Ste 9B, Greenwich, CT 06831-3107 for inspection during regular business hours by any citizen who requests it within 180 days hereof. Trustee of the Foundation is Karen E. Kohler #61927 Lincoln Ave WH LLC Filed 10/18/18 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 4 Wendover Road, Eastchester, NY 10709 Purpose: all lawful #61928 Luceno Project Management, LLC has filed articles of organization with the Secretary of State of NYS on 11/02/2018. The offices of this company are located in Westchester County, NY. The Secretary of State has been designated as agent of the limited liability company upon whom process against it may be served. The address to which the Secretary of State shall mail a copy of any process against the limited liability company served upon him or her is 110 Travers Ave, Mamaroneck, NY 10543. The company is organized to conduct any lawful business for which limited liability companies may be organized. #61929

WCBJ

Notice of Formation of Pro Carpenters, LLC Art. Of Org. filed with SSNY on 10/12/2018. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC,33 Hawley Street Apt 1,White Plains,NY,10606 . Purpose: any lawful purpose #61930 120 Saw Mill, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 10/31/2018. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to: 89 Edison Ave., Mt. Vernon, NY 10550. General Purpose. #61931 The Articles of Organization of Palmer Developers, LLC (the Company ) were filed with the Secretary of State of the State of New York on October 3, 2018. The office of the Company is located in Westchester County, New York. The Secretary of State has been designated as agent of the Company upon whom process against it may be served. The post office address within or without the State to which the Secretary of State shall mail a copy of any process against the Company served upon him or her is: 25 Round Hill Drive, Yonkers, New York 10701. The Company was formed for any lawful business purpose or purposes permitted under the New York Limited Liability Company Act. # 61914 NOTICE OF FORMATION OF GERM JAIL LLC. Articles of Organization filed with the Secretary of State of NY (SSNY) on 10/17/2018. Office location: WESTCHESTER County. SSNY has been designated as agent upon whom process against it may be served. The Post Office address to which the SSNY shall mail a copy of any process against the LLC served upon him/her is: JACQUELINE NEW 37 NETHERMONT AVE WHITE PLAIN NY 10603 The principal business address of the LLC is: 37 NETHERMONT AVE WHITE PLAINS NY 10603. Purpose: any lawful act or activity # 61915

NOVEMBER 12, 2018

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“Fiduciary” is a popular term these days, but it’s not new to us. Our firm was founded on the principle of providing advice in the best interest of our clients. To make your most complex wealth decisions in these uncertain times, it’s critical to partner with someone whose interests are aligned with yours. For advice you can trust, rely on us. For a deeper understanding of the benefits of a fiduciary advisor, call Sharon Klein and her team at 212.415.0547. Download our white paper Is Your Advisor Putting Your Best Interest First? at wilmingtontrust.com/fiduciary.

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