Westchester County Business Journal 111317 by Westfair Business Journal

7 | MOUNT VERNON FEUD NOVEMBER 13, 2017 | VOL. 53, No. 46

YOUR ONLY SOURCE FOR REGIONAL BUSINESS NEWS

The case for Kingston PAGE 2

Shawna Chahanovich stands at the bar of Duo Bistro, a restaurant she co-owns in Kingston’s Uptown Stockade Business District, which this fall won a $10 million state revitalization grant. Photo by Ryan Deffenbaugh.

Region’s homebuyers could be casualties of GOP tax plan BY ALEESIA FORNI aforni@westfariinc.com

hose planning to take out a mortgage to purchase a new place to live in Westchester or Fairfield counties may have other tax-related factors to consider when hunting in the housing market. Republicans in the House of Representatives this month rolled out their tax-overhaul bill, which would aim to simplify the tax code by slashing itemized deductions and the number of tax brackets. Included in the GOP’s Tax Cuts and Jobs Act is a provision that would cap the mortgage interest deduction at

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IDA likes latest version of New Rochelle public works facility BY BILL HELTZEL bheltzel@westfariinc.com

harles B. Strome III was pleased with the plans for a new public works facility. As city manager of New Rochelle, he has seen some 15 plans to replace the outmoded City Yard at 224 Main St. Now time is running out. The city must shut down and decontaminate the public works yard to make way for the $300 million Pratt Landing mixed-use development at Echo Bay. “This is one of my happier moments,” Strome, chairman of the city’s Industrial Development Agency, said at the Nov. 2 meeting about plans for 70 Nardozzi Place. The IDA board gave the project preliminary approval and set a public hearing for Nov. 29. The developers, Simone Development Cos. in the Bronx and G&S Investors in Manhattan, are asking the IDA for tax relief for the $48 million project. They want an exemption from the mortgage recording tax, an exemption from an estimated $2 million in sales tax on construction and equipment purchases and a property tax abatement estimated at $308,000 a year for 25 years. The project is eligible for tax deductions because it includes commercial components. Public works would use 130,000 square feet on the ground level for offices and a garage. The second level would include 37,000 square feet for an LA Fitness health club, 3,000 square feet for retail and

Because the median home price in $500,000 of a home’s value, slashing in the U.S. is roughly $202,000, the tax half the current cap of $1 million. change could have a limited effect on Though the proposed change would the nation’s overall housing market. not impact existing homeowners, it However, that change could be more prowould affect those who plan to apply for nounced in Westchester County where a new mortgage. the median sale price for a single-family “If I’m buying an $800,000 house and now I can only deduct $500,000 » TAX PLAN, page 6 » NEW ROCHELLE, page 6 of my mortgage, I’ve got $300,000 that I can’t deduct,” said R Craig Scher, a broker with CS Realty & Your Home Town Bank Low Closing Costs No Borrower Paid PMI Relocation Services Inc. in Harrison, “and Up to 97% Loan to Value Friendly, Local Service I’m going to have to facVisit www.TrustcoBank.com For More Details. tor that into my buying *PMI - Private Mortgage Insurance. Lender paid Private Mortgage Insurance on loans over 89.5% Loan-to-value. Please note: a house.” We reserve the right to alter or withdraw these products or certain features thereof without prior notification. NMLS #474376 LENDER

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Historic Kingston makes a comeback BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

tanding in front of the late 18thand 19th-century buildings that make up much of Kingston’s historical Uptown Stockade Business District, Mayor Steve Noble described the turbulent past of city’s main business district. “This will hopefully be the last boom and bust cycle that uptown will have,” Noble said. “We've gone up, gone down, gone up, down. Hopefully this year we start to make that progress where it's not going to go down anymore.” Walking through the district in the Ulster County city of about 23,000, signs of a boom are clear. Coffee shops, eateries and boutique shops line Wall and North Front streets, which make up the main block in the compact business district. “We have that mix of artists, techies and food,” said Noble, a lifelong resident of the city who was elected to his first term in 2016. “It's really close to everything we think you need for a sustainable business community and environment to live in.” In September, the city received a $10 million grant from the state’s Downtown Revitalization Initiative to help build on its momentum. The city won the second round of the annual grant competition by focusing on the Uptown Stockade Business District, a historic section of the city that has seen an influx of small businesses and development.

HISTORY

The “stockade” in its title dates to Kingston’s roots as a Dutch settlement. Following a series of skirmishes between Dutch settlers and the indigenous Esopus tribe in the region, New Amsterdam governor Peter Stuyvesant in 1658 ordered the raising of a 14-foot wooden stockade to fortify the new village. By the mid-20th-century the stockades were long gone, but the former village stood as Kingston’s main business district and the shopping hub of Ulster County, with department stores such as Sears and Woolworth’s. Then came the rise of shopping malls and plazas in the region during the 1970s and '80s, pulling customers away from the downtown stores and hollowing out the district’s retail core. A decade later, Noble said, the city relaxed zoning in the district to allow for residential uses above storefronts. The change brought residents into the struggling retail district. “And when people started to live up here, they said ‘whoa, we need some services,’” the mayor said. “Then during the '90s and into the 2000s, we really started to see signs of a renaissance.” Kingston has three main business dis-

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tricts, a remnant of when the village of Kingston was combined with the waterfront village of Roundout to create the city in 1872. The former village of Roundout marks Kingston’s riverfront district, while two miles north is the uptown stockade district. Between the two is City Hall and the more residential midtown district that surrounds it. The Uptown Stockade Business District, Noble said, offered the compact “downtown” the state was looking for in the grant competition, even if it is technically uptown. The population within the boundaries of the district is about 4,600, nearly 20 percent of the city's residents.

THE COMEBACK

The district is home to historical structures such as the Senate House, the meeting place of the first New York State Senate, and the Old Dutch Church, home to the First Reformed Protestant Dutch Church of Kingston, which dates to 1659 and is one of the oldest continuously existing congregations in the nation. It also features Dietz Stadium, a 1,500seat stadium that’s home to high school football games and the semiprofessional Kingston Stockade FC soccer team. BSP Kingston, an entertainment complex with multiple performance spaces on Wall Street, draws top indie and alternative acts. Thomas A. Collins, managing director of SVN Deegan-Collins Commercial Realty in Kingston, said the location of the Ulster County government offices in the district attracts a number of law, real estate, financial and insurance offices. The district is also home to offices for technolo�y companies such as Exago and DragonSearch. “Kingston has been discovered by a segment of the metropolitan artisan and technolo�y base that is leaving the New York area seeking quality of life and affordability,” Collins said. “Kingston offers both of those things.” “Within the past five years (the city) has definitely come back,” said Shawna Chahanovich, a co-owner of Duo Bistro, a restaurant at 299 Wall St. in the district. Chahanovich and the three other owners of the restaurant moved from nearby Saugerties in 2012 to open Duo and expanded the business four years later to include a larger serving space and a pantry next door. “When we came, I would say half of Wall Street was pretty empty,” Chahanovich said. “But within the past three years a bunch of retail and restaurants have popped up.”

GROUND-UP JOB CREATION

A series of developments planned for the stockade district likely helped the city’s case for the downtown revitalization grant.

They include The Kingston Food Exchange, an estimated $8 million project from local developer BBG Ventures LLC that will turn an abandoned 18,000-square-foot former Woolworth’s store on Wall Street into a food and beverage hall with a market, commercial kitchen and business incubator. New York City developer Charles Blaichman has purchased four historical buildings in the Uptown Stockade District that he will convert into a network of boutique hotels with a total of 43 rooms. JM Development Group of New Windsor has teamed up with Kingston-based Herzog Supply Co. on a proposed $48 million project, The Kingstonian, on the corner of Fair and North Front streets at the uptown district’s north end. Identified as a priority project by the Mid-Hudson Regional Economic Development Council, the mixeduse Kingstonian would include a pedestrian plaza, 129 market-rate apartments, 9,000 square feet of retail space and a 38-room boutique hotel. The project would be built around a 450-space parking garage, with 250 spaces dedicated to the city’s use in an area where a lack of parking is a common complaint. On the outskirts of the district, two nonprofits are collaborating to create a hub for jobs in the film industry. Stockade Works, a nonprofit led by actor and director Mary Stuart Masterson, has teamed up with local nonprofit developer RUPCO to launch an estimated $9 million media and technolo�y center in an abandoned 75,000-squarefoot warehouse. Called The Metro, the space would feature a soundstage, production and editing space, a screening room, theater and co-working space. The projects represent an approach to economic development that is focused on helping smaller business and largely avoids attempts to land major employers. The wounds are still fresh in the city from when IBM shut down its operations there in 1994 and laid off 1,400 people. Since then, Noble said, the city has had to find a way to make up for the “mass exodus” that followed the loss of jobs. “We're not trying to bring a big box store here or to bring 1,000 jobs,” he said. “We want to see how we can help support those companies that are creating 5 and 15 and 20 jobs.”

WHAT’S NEXT

Kingston officials held the first public input meeting for the $10 million grant on Oct. 30. The city needs to finalize a plan for how to spend the state dollars by March. The emphasis will be on assisting shovelready projects that can be completed within the next two years, Noble said. “I feel like we've been planning for decades for this kind of opportunity, and now we're ready to just go.”

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NOVEMBER 13, 2017

Panel addresses transitioning Indian Point’s 950 workers to other jobs BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

s Indian Point Ener�y Center edges toward its 2021 planned closing date, a state labor official said the three-year time frame before the Buchanan nuclear plant starts winding down operations creates some unusual opportunities. Mario J. Musolino, executive deputy commissioner of the state Department of Labor, said the state is typically given only a short notification of a plant or business closing. Most often that comes through a Worker Adjustment and Retraining Notification Act notice. “The fact that there is a multiyear time horizon gives us an opportunity to take advantage of that time and do some intelligent planning,” Musolino said at a Nov. 3 forum concerning Indian Point at the Desmond-Fish Library in Garrison. Nine months have passed since state officials confirmed that plant owner and operator Enter�y Corp. would shut down both Indian Point reactors by 2021 as part of a legal settlement with the state and environmental group Riverkeeper.

At the forum, hosted by The Journal News and Hudson River Sloop Clearwater, local and state officials spoke in optimistic terms about transitioning the plant’s large workforce into local jobs. But the challenges ahead for the surrounding communities were clear. “There definitely will be ripple effects,” said Ross Gould, ener�y sector program manager for Workforce Development Institute, a Long Island nonprofit. “Anytime you see the closure of a large facility, whether it be an IBM or a Kodak, a large employer in the area, there are ripple effects.” There are about 950 workers at the plant, about 550 of whom are unionized. That total includes 350 utility workers and about 200 in security personnel, according to numbers from Musolino. On top of having the extra time to prepare, Musolino said the specialized nature of much of the Indian Point workforce gives its employees an advantage in seeking new employment. “This isn’t the same thing as when we see a large retailer closing or a mall closing, where folks are really competing with each other in a labor market that might be fairly limited,” he said.

The state has begun preliminary talks with the New York State Ener�y Research and Development Authority (NYSERDA), the New York Power Authority and local utilities about job opportunities for displaced workers, Musolino said. “We know a lot of workers will be easily transferable into jobs that are going to exist over the next couple years.” As many as 40 percent of employees are also retirement eligible, Musolino said. But, he cautioned, “being retirement eligible doesn’t mean that’s the choice you want to make.” Enter�y has said employees will be offered relocation opportunities at its other facilities in the country and is maintaining employment levels during Indian Point’s final operating years. “It’s an interesting challenge because, of course, while we’re talking about transition of a workforce, the plant stays open,” Musolino said. “And we have to figure out how to make sure the plant stays open with the appropriate workforce and appropriate security.” Musolino is a member of the state's Indian Point closure task force, which last met in September. The task force has begun work on a reuse study for the plant’s site

that is due April 30, 2018. To lead that study, NYSERDA has hired D.L. English Consulting Inc., a Massachusetts-based firm focused on the ener�y industry. Cortlandt Town Supervisor Linda Puglisi gave an update at the forum on a local task force developed to prepare for the plant’s closure. “We all knew that the plants would close eventually,” Puglisi said at the forum. “We were just a little surprised that they were closing this soon.” Cortlandt will lose $900,000 per year in revenue without Indian Point, according to the town, about 2 percent of its budget. Even harder hit will be Buchanan, where Indian Point is located. The village is set to lose $3.5 million per year, a little less than half its annual budget. The Hendrick Hudson School District, meanwhile, could lose $23 million per year, about one-third of its annual budget. Cortlandt plans to hire an economic development consultant to identify development opportunities on town-owned and underutilized private land that could help make up for the lost revenue from Indian Point. Earlier this year, the town board » INDIAN POINT, page 15

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» » From page 1

home was $680,000 in this year’s third quarter. “It’s going to affect everybody in the $500,000 to $1 million price range, and that’s Westchester County,” said Scher. “That’s the meat and potatoes. That’s the spot.” The effect could be similar in Fairfield County, which saw a median home price of $410,000 for the third quarter. “In lower Fairfield, that can take people out of the equation, basically,” Michael Barbaro, president of the Connecticut Association of Realtors, said of the impact the proposed tax changes could have on homebuying here. For Barbaro, another significant item in the Republican plan is a $10,000 cap on deductions of state and local property taxes. “In some states, it isn’t that significant, but in Connecticut, if you eliminated that deduction, your taxable income goes up significantly,” Barbaro said. “I think Connecticut is a casualty of war here.” Barbaro said that tax change will affect

decisions made by any new buyer in the Fairfield County market. “It’s pushing your lending ability down,” he said. “If you take that property tax deduction away from them, their monthly buying power goes down, and it’s going to force people into New Haven County or it forces them into lower-priced homes in that market.” Fairfield is one of nine counties in the country where the average annual property tax tops $10,000. Others include Rockland and Nassau counties in New York; Essex, Bergen, Union and Morris counties in New Jersey; and California’s Marin County. Topping that list is Westchester, the county with the highest annual property tax in the country, where residents pay an average of $16,500 per year. “For Westchester County, for our prices, it will definitely negatively impact the sales,” said Scher. “To what extent, we won’t know until that happens, but you can definitely say the effect won’t be good.” Mark Seiden, broker-owner of Mark Seiden Real Estate Team in Briarcliff Manor, said the changes included in the

GOP’s plan have the potential to be “pretty terrible” for the area. “The big challenge we have with this is we really feel that housing pretty much drives the economy,” he said. “If you start hurting or stifling the housing market, you really could be hurting the economy.” Still, Seiden said, the lure of living in Westchester County and other areas surrounding New York City could prove powerful enough to negate the tax law changes. “People are used to paying whatever they need to pay to be here,” he said, “because if people were not willing to pay to be here, why in God’s green earth would anyone pay the property taxes that people have to pay in Westchester?” New York State Association of Realtors CEO Duncan R. MacKenzie said he thinks the new plan would have a negative impact on the state’s homeowners. “It will lessen the value of the property tax deduction and it cuts a host of other key housing-related tax incentives,” he said. Those cuts include restrictions on the capital gains exemption homeowners use today when they sell their home. Page 19

Tax Plan —

"This legislation closely tracks with the House Republican Blueprint for tax reform, which threatens home values and takes money straight from the pockets of homeowners," National Association of Realtors President William E. Brown said in a statement. Brown said the bill outlines a less favorable deal than what homeowners have now and hampers the homeownership incentive. "Tax hikes and falling home prices are a one-two punch that homeowners simply can't afford," he said, adding that the National Association of Realtors’ 1.3 million members “cannot support a bill that takes homeownership off the table for millions of middle-class families.” Despite a negative impact on certain homebuyers and owners, Barbaro thinks the legislation still could move forward. “I personally think it will pass,” he said. “I think in general the country and voters have an appetite for a simpler tax structure,” and eliminating deductions is one way to achieve that. “I think we’re lucky to keep any portion of a mortgage deduction in the equation.”

Rendering of the project for 70 Nardozzi Place.

New Rochelle — » » From page 1

209 rooftop parking spaces. A five-story tower would contain 70,000 square feet for a self-storage facility. The property is next to Interstate 95 and squeezed in between a Home Depot and a Costco Wholesale store. G&S Investors built the Costco in the late 1990s. Simone built a structure on the opposite side of Nardozzi Place that houses an Ashley Furniture HomeStore and Party City. The 3.9-acre site is not big enough to contain all of public works. The city is using

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eminent domain to take 54 Nardozzi Place, where Paul Spadaccini runs Auto Sunroof of Larchmont, for additional offices and a fueling station. The Beechwood transfer station will continue to be used for storing salt, handling yard waste and parking garbage trucks. The parcel at 70 Nardozzi is tight. Designers had to allow enough room inside for large trucks to turn around, and it would be mostly building with little landscaping. As anyone who has tried to get to Costco or Home Depot on a weekend knows, traffic on Nardozzi Place can be a nightmare. The new building would increase traffic substan-

tially, according to the project’s environmental assessment, and public works would be open from 5 a.m. to 11 p.m. every day. But Strome said most trucks would be leaving at 7 a.m. and returning at 3 p.m. on weekdays, when people are not shopping. The city would contribute $22.6 million to the project, including $17.9 million to build the shell and $4.7 million to equip it. It would lease the space from the developers for $260,000 a year for 45 years, with the possibility of extending the deal to 65 years. If the city tried to build the facility on its own, Strome said, it would probably cost 30

to 40 percent more. “I take particular pride in this,” he said. “This is not an easy thing to build.” Construction could begin by the end of the year and be finished in 14 to 18 months. About 200 construction workers would be employed. “This is something we’ve been struggling with ever since I’ve been on council, which is six years,” said Ivar Hyden, a member of the IDA board. “This is by far the best plan that we’ve seen.” “It’s the best plan,” said Luiz Aragon, commissioner of development, “at the best price.”

Judge won’t toss developer’s charges against Mount Vernon mayor BY BILL HELTZEL bheltzel@westfariinc.com

federal judge has dismissed charges against the city of Mount Vernon by a developer who claims it was harassed, but allowed the case to continue against Mayor Richard Thomas. Blue Rio LLC and its principal, New York City developer Peter Fine, co-founder of Atlantic Development Group, accused the city and mayor of political retribution for refusing to hire a particular consultant and for speaking about their dispute with the Westchester County Business Journal. The federal lawsuit, filed in March, also names Michael Gianatasio, a private safety consultant who is president of Universal Engineering Services PC in New Rochelle. The lawsuit states Gianatasio is a relative of the city’s deputy police commissioner, Joseph Spiezio, a political supporter of the mayor. While the complaint does not identify Gianatasio as the consultant recommended to Blue Rio, it depicts him as being deputized to carry out a campaign of harassment. The dispute centers on the La Porte Apartments at 203 Gramatan Ave., where Blue Rio was building 159 units of affordable workforce housing and retail space. Thomas introduced Fine to a consultant at a private lunch on March 18, 2016, according to the lawsuit, and called the consultant a “friend and adviser.” If Fine needed to reach Thomas, “he should do so through the consultant.” Later that summer, the consultant allegedly asked Fine to hire him. Fine declined. On Oct. 18, 2016, Gianatasio visited the worksite, accompanied by a building inspector with an order to stop work. The order was not issued, but the incident was the first of many, the lawsuit claims, in which Gianatasio visited the site, sometimes accompanied by officials from public works, the building department, parking bureau, police department and fire department. The city issued a stop-work order on Dec. 30, shutting down the project. Then Frank DeLeonardis, the owner of the building next door on whose roof the developer had staged construction work, demanded $20,000 to repair damages he claimed construction workers had caused and another $20,000 to allow Blue Rio to continue to use the roof. The stop-work order was lifted on Jan. 4, but Gianatasio allegedly told Blue Rio that another order would be issued if the developer did not agree to DeLeonardis’ terms. Blue Rio sued DeLeonardis in Westchester

Supreme Court to get access to his roof. The Business Journal asked Thomas to comment on the lawsuit and on Blue Rio’s allegations of harassment. Thomas then allegedly called a friend and partner of Fine’s and threatened to “investigate the shit out of you guys.” The Feb. 23 Business Journal news story quotes a Blue Rio attorney: “The city is putting its thumb on the scale until we pay.” Thomas was quoted as saying the project had genuine safety issues and he was looking forward to an apolo�y from Blue Rio. On March 9, Thomas allegedly told Fine and a partner that “nothing is going to move” on the LaPorte project until the developer retracted comments in the Business Journal. Later that day, inspectors from the federal Occupational Safety and Health Administration visited the site in response to an emergency complaint from the mayor’s office about safety violations. Gianatasio argued that the lawsuit should be dismissed against him because he was merely a consultant. U.S. District Judge Vincent Briccetti rejected that position in an Oct. 26 opinion. Gianatasio had repeatedly inspected the site and repeatedly threatened to issue stop-work orders, he ruled, suggesting that he had been deputized to enforce building codes and code violations. Blue Rio claimed that its First Amendment right to freedom of association was violated when city officials retaliated against Fine for not hiring the consultant. Its First Amendment right to free speech was violated when Thomas wouldn’t issue permits unless the developer apologized for statements made to the newspaper. “Although it is a close call,” Briccetti ruled, “plaintiffs had met their burden of pleading retaliatory motive.” But the judge ruled that Blue Rio had failed to establish a conspiracy claim against Thomas and Gianatasio or that the city itself was liable for Thomas’ actions. “The mere fact that a mayor performs actions in violation of constitutionally protected rights,” Briccetti ruled, “does not render those actions a policy or custom of the municipal government.” Thomas also argued that he is entitled to qualified immunity. Briccetti disagreed, citing case law. Qualified immunity is meant to protect “all but the plainly incompetent or those who knowingly violate the law.” Without the benefit of a “fuller factual record,” he ruled, the court cannot conclude yet whether Thomas could reasonably believe that his actions did not violate clearly established law.

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NOVEMBER 13, 2017

White Plains approves French-American School BY RYAN DEFFENBAUGH rdeffenbaugh@westfairinc.com

he White Plains Common Council on Nov. 6 approved a plan by the French-American School of New York (FASNY) to build a campus on the former site of Ridgeway Country Club, ending a controversial seven-year review process. The council voted 5-2 in favor of a resolution approving the site plan for a 640-student school for grades 6 through 12 on a parcel of the 129-acre property previously developed by the golf course with parking, tennis courts and athletic fields. The school will also create and maintain a 51-acre nature conservancy with bike trails open to the public. That plan is scaled down from the school's original proposal. In 2010, the school bought the former country club for $11 million and unveiled plans a year later to consolidate its Larchmont, Scarsdale and Mamaroneck campuses into new facilities on the property. The school’s original plan was for a five-building campus for students from preschool through 12th grade and a 78-acre nature conservancy. The reduced plan came out of a legal settlement between the school and White Plains. The school challenged the city's

An early rendering of the campus.

review process in state Supreme Court in September 2015, a month after the council voted down a motion to close a part of Hathaway Lane near the property. The city council had previously approved an environmental impact statement for the project that required the road's closure. In April 2016, state Supreme Court Judge Joan B. Lefkowitz denied a motion from the city to dismiss the school's lawsuit and accused the council of waging a "war of attrition" through the protracted review process. Five months later, the Common Council approved a settlement agreement with the school. The city agreed to review the school's reduced plan, with oversight from the state court.

The school's plan has been strongly opposed by some White Plains residents near the golf course property, led by the Gedney Association, a group representing the Gedney Farms neighborhood. The neighbors have fought the project over concerns that it is too big for the neighborhood and would damage an environmentally sensitive site. The plan originally included 950 students on the campus. Hathaway Lane, a previous sticking point, remains open. The city council's approval came with some additional stipulations. The school agreed to a 15-year moratorium on any expansion of school facilities on three parcels of the property not used by the campus. The school will also provide community benefits, such as need-based scholarships to

MASTERY OF THE BROAD LEGAL LANDSCAPE AS CLOSE AS YOUR BACKYARD While Wilson Elser remains an industry leader in insurance coverage and defense, we also maintain a practice dedicated to representing accountants and offer a wide variety of related commercial and transactional services via a cadre of attorneys accomplished in their respective areas of law. The firm draws on its extensive resources in New York City and offices throughout the country to best serve its clients’ needs. To learn more, contact: Peter Larkin at peter.larkin@wilsonelser.com or 914.872.7847 or Thomas Manisero at thomas.manisero@wilsonelser.com or 914.872.7229. Peter, Tom and the other 148 attorneys in our White Plains office stand ready to help with virtually any or all of your legal needs. After all, it’s the neighborly thing to do.

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White Plains residents. Because the site was designated as environmentally sensitive, the approval required a super majority of five votes from the seven-member council. Council members Milagros Lecuona and Dennis Krolian voted against the proposal. Lecuona praised FASNY as an institution, but said the current proposal was unacceptable. Ultimately the swing vote came from Nadine Hunt-Robinson, who voted against the project in past motions. She said the review process helped create a better proposal on a smaller scale and more community benefit. "This is how it is supposed to work," Hunt-Robinson said. "We are supposed to have that push, that pull. That give and take." Mayor Thomas Roach described the school's review as the most thorough in his time with the city. He said the plan has been modified to maximize community benefits while mitigating the impact on surrounding neighborhoods. "I don’t minimize the serious nature of a project of this size on the community and I do recognize that many in the neighborhood will be very unhappy with the decision that we are making here this evening," Roach said. "But I do think it’s important to note that this was not done in a cavalier fashion."

THE ROBERTS REPORT

ver since I heard a lecture from Malcolm Gladwell, author of “The Tipping Point,” I have been fascinated by “framing,” as in how a public issue is framed. Gladwell asked the audience why Canada has had universal health care since 1984, while we continue to fight about it in the U.S. over 30 years later. He answered the question by explaining that Canada spent a lot of time debating how to frame the issue of health care long before it was presented to their Parliament. Some framed the argument for universal health care as needing to be accessible to all, others that it be efficient and cost-effective, and still others that it provide maximum choice for patients. After many months of debate, a consensus emerged that accessibility was the most important value and the nation united around the goal of free health care for everyone. While important, the other ideals of cost effectiveness and choice became details to be worked out. Similarly, faced with a 2009 federal consent decree that required Westchester County’s 31 overwhelmingly white municipalities to address zoning barriers to affordable housing, most of us, advocates and opponents alike, assumed that the federal court order would be fully followed under threat of severe sanctions. But that’s not what happened; in retrospect the issue’s framing more than anything else contributed to a missed opportunity.

THE “INTEGRATION ORDER”

Westchester was cited for failure to do an Analysis of Impediments to Fair Housing that took into account zoning that made construction of multifamily and affordable housing nearly impossible in the named municipalities. The county’s certifications of compliance, labeled “false or fraudulent” by a federal judge, put the county at risk of paying back up to $150 million in federal grants and fines. And so County Executive Andy Spano agreed to do a proper Analysis of Impediments, promote inclusionary zoning and construct at least 750 units of affordable housing over seven years. Spano’s opponent in the 2009 election, a county legislator given little chance of success, truthfully framed the settlement as an “integration order” because the legal basis for the violation rested on the “disparate impact” on African-Americans and Hispanics caused by the lack of affordable housing. Highly restrictive or “exclusionary” zoning has helped maintain de facto segregation of wealthy communities since racial discrimination was outlawed by the 1968 Fair Housing Act.

BY ALEXANDER ROBERTS

Astorino’s winning frame Unfortunately for advocates, integration orders have represented a losing message frame for affordable housing since President Nixon’s HUD Secretary George Romney tried to use the Fair Housing Act to penalize communities for failing to address exclusionary zoning. Neither has forced busing proven particularly popular.

ASTORINO’S GAMBLE PAYS OFF

While recognizing the unpopularity of inteTWB Gordon gration orders as a message frame, Astorino WCBJ added another that proved irresistible, por7.375” w x 7.125” h traying the consent decree as an “assault on 10/30/17 home rule.” Never mind that the 750 required units represented only 107 per year in a county the size of all five boroughs of New York City combined, or that 50 percent of the housing developed under the consent decree is going

to whites. The twin frames of “integration order” and “violation of home rule” developed by his administration proved too strong for the federal monitor or the U.S. Justice Department, which enabled Westchester to evade its 120-day consent decree obligation to produce an analysis of impediments acceptable to HUD for seven years. A county executive who could have faced fines for contempt of court -- as happened to the mayor of Yonkers in a 1980s desegregation case -- and used a strate�y of “total obstructionism,” according to a federal Court of Appeals ruling, has apparently triumphed with the election of Donald Trump and a new HUD secretary hostile to the concept of disparate impact. In doing so, Astorino appears to have pulled off one of the biggest upsets in state history, eclipsing his success win-

ning as a Republican in a county that is 2-to-1 Democrat. (Astorino on Nov. 7 was defeated in his bid for a third term by Democratic State Sen. George Latimes.) As someone who actively supported the consent decree, I must nevertheless admit to some admiration for the county executive, who never wavered in his message despite the risk of sanctions. Everyone, including the county executive, acknowledges the need for affordable workforce housing that keeps the economy growing and preserves social mobility. But until we find a winning frame that allows the public to accept it “in their backyard,” affordable housing will continue to be a hard sell in the suburbs. Alexander Roberts is executive director of Community Housing Innovations Inc., in White Plains. He can be reached at aroberts@chigrants.org or 914-683-1010.

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ASK ANDI

BY ANDI GRAY

Reading between the lines I used to be able to read how people were feeling by observing their body language. Now communication is mostly over email and phone and that makes it harder for me to get clues as to what a person is feeling or how a person is reacting to what I have to say. Any suggestions? THOUGHTS OF THE DAY: Any skill gets better with practice, including reading clues as to how others are feeling and reacting. It takes time and patience to figure out the signs. Interpreting what’s going on around us is key to more effective leadership. Start with your own communication. The more comfortable you are at dealing with emotion-laden conversations, whether in person or virtually, the more likely you’ll be able to capture and interpret the clues that are coming your way. Think about how much effort you put into diagnosing what’s behind the messages being sent to you. How open are you at hearing “hard truths” — things that might not be

so complimentary but are nonetheless true. How likely is it that you’ll correctly hand out praise or deliver negative feedback in a way that motivates someone? Build your interpretive skills and you’ll improve your ability to read others’ communications in any form. Wipe out all the assumptions you have about the person with whom you’re corresponding. Give them an opportunity to communicate with you without bias on your part. For people with whom you regularly correspond, review every communication in an overall context. Is this typical, more emphatic, more critical, more congratulatory, more anything, than usual? In this situation, is the communication coming more quickly or slowly than usual? Typos and grammatical errors from someone who is usually precise can indicate the topic is more urgent to the sender. Is the person speaking with personal conviction in first person — “I” — or trying to put words into other people’s mouths through the use of third person — “they.” The “I” messages are often believed to be more forthright and trustworthy while speaking on behalf of others can be inter-

preted as less honest. “I” messages can also signal that a person is seeking to be more noticed as in, “pay attention to me.” Consider the modifiers that people use. Our interpretation of messages is influenced by the use of positive vs. negative words, with the tendency to believe more of what is said in the positive. Tone also has a multiplier effect. Be conscious when you’ve had multiple interactions with the same party and whether your perception is skewing positive or negative, accepting or challenging based on historical context. Limiters such as “but” and “except” can be clues that what you’re being told is not a complete and forthright picture of what’s going on. When a correspondent is expressing ambivalence about a subject, he or she may really be expressing a largely negative interpretation or reaction. The payoff for better interpretation of communications can be substantial: enhanced working relationships, better quality results and, ultimately, higher net income. Ask direct questions to get to the information you want. Don’t beat around the bush, as you may distract the person with

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whom you’re communicating. If you suspect something is going on under the surface, just ask a simple question: Is something else going on? Is there anything else of which I should be aware? What’s the real problem here? Take a look at the vibes your own email and voicemail communications send out. Be okay with a positive approach, as that tends to make readers and listeners more comfortable and ready to receive the rest of your message. When you’re on the receiving end, check out your bias and be willing to investigate motivation rather than making unconscious assumptions. Just because you can’t see them smiling, doesn’t mean they aren’t. LOOKING FOR A GOOD BOOK? Try “Business Communication: In Person, In Print, Online” by Amy Newman and Scot Ober. Andi Gray is president of Strategy Leaders Inc. in Stamford, a business consulting firm that teaches companies how to double revenue and triple profits in repetitive growth cycles. Call or email for a free consultation and diagnostics: 877-2383535, AskAndi@StrategyLeaders.com.

Latimer easily defeats Astorino for county executive BY BILL HELTZEL bheltzel@westfariinc.com

illiam M. Mooney Jr. sensed something was up in the Westchester county executive election when he went to his White Plains polling place on election morning, Nov. 7. The parking lot was jammed and at 6:45 a.m., when typically three to five people would be voting, at least 75 were in line. “That told me right away,” said Mooney, president of the Westchester County Association, “the race was over.” His instinct bore out. George Latimer, the Democrat state senator, easily defeated two-term incumbent Robert Astorino, the Republican, 116,767 votes to 89,463, according to unofficial election results. Mooney was not surprised that Latimer won, in a county where far more Democrats than Republicans are registered. But he was surprised by the margin of victory. Astorino had twice demonstrated that a Republican can win in off-year elections, if Democrats stay at home. He won easily in 2013, 56 to 44 percent, and in 2009, 57 to 43 percent. The difference this year was the turnout. More than 206,000 votes were cast. That’s about 23,000 more votes than four years ago and 42,000 more than eight years ago. The increase in Democrat support was even more stark, about 36,000 more votes than 2013 and 46,000 more than 2009. The 14 percent margin of victory, 57 percent for Latimer to 43 percent for Astorino, mirrors the results from 2003, another high turnout year. Astorino, the newcomer, lost that county executive contest to incumbent Andy Spano by 58 to 42 percent. The question is, Why? Why did so many people go to the polls on a cold rainy day? Antipathy to Donald Trump may have been a big factor. “Westchester was a snapshot of what happened across the country last night,” said John Ravitz, executive vice president of The Business Council of Westchester. “I think voters are concerned about the leadership in Washington, and they used last night as an opportunity to voice their protests,” Ravitz said. Consumers and business people in Westchester and the Northeast in general, Mooney said, tend to be uncomfortable with the president’s positions on taxes, Medicaid and health care. Helen Schaub, political director of the 1199 SEIU health care union, also cited the Trump effect. “There was a lot of pent-up ener�y around the results of last year’s election and

George Latimer.

about people being concerned about what’s happening nationally,” she said. Mooney said union and Democrat opposition to a couple of ballot issues may have been an even greater factor than antiTrump sentiment.

Schaub said one ballot issue, convening a state constitutional convention, did indeed motivate union members. They feared that a convention could put at risk constitutional articles that already protect collective bargaining, pensions and public health. The proposed constitutional convention was defeated statewide and by an 81 to 19 percent majority in Westchester. Ravitz said the business community expects to work with the new county executive to promote Westchester as a smart place for businesses to come and grow. “For us, it has always been important to have a balanced county budget that protects our bond rating and doesn’t have oneshots and fiscal gimmicks.” Mooney said that the county’s portion of property taxes, about 15 percent, leaves some room to address infrastructure. “There have been eight years of not spending any money,” he said. “If you want

to correct infrastructure and create a better business environment, you have to spend money. That’s a healthy thing.” The Business Council, said President Marsha Gordon in a news release, looks forward to partnering with Latimer to promote economic development and job creation. Latimer pledged to partner with the two business organizations when interviewed by the Business Journal on election night. He said his administration will be about more than controlling taxes. “It will be about jobs. It will be about housing. It will be about transportation. It will be about health care.” He said economic development will focus not only on the Interstate 287 and Interstate 684 corridors, but on the inner cities. “I think the business community is going to find that Democrat though I may be, they’re going to have a sound, intelligent business partner in the county government.”

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IN COURT

BY BILL HELTZEL bheltzel@westfariinc.com

YONKERS COMPANY CLAIMS VP STOLE TRADE SECRETS FOR SON

A Yonkers military contractor has sued a former company executive for allegedly stealing customer trade secrets. Crestwood Technolo�y Group Corp. claims that Patrick Dunn, its former executive vice president of development, may have given confidential company information to his son, head of a Maryland company that is a direct competitor. Crestwood sells electronic components to the military, aerospace and defense industries, commercial aviation and other businesses. The company was founded in 2000 and employs fewer than 100 people. “What lawsuit?” Dunn responded to an email request for his side of the story. He did not respond to a second email that attached a copy of the complaint. Dunn began working for Crestwood in January 2016, at $300,000 a year. Part of his

Crestwood Technology Group

job was to cultivate relationships with the company’s top 25 customers. He agreed to keep all company information confidential, according to the lawsuit filed last month in federal court in White Plains. Employees also are required to take annual training on ethics and security standards. They may not, for instance, forward customer information to nonsecured servers or email accounts, including their personal accounts. Some employees also have to be cleared by the U.S. Department of the Navy to work on sensitive government contracts. Crestwood suspended Dunn from March 30 to June 19 because of a pending debarment by the Navy for something that happened before he joined the company. the lawsuit does not explain what those actions were. Dunn was reinstated in June. But on Sept.

MAZDA DEALER SUES OVER TERMINATED FRANCHISE

19, according to the lawsuit, a technolo�y officer discovered that Dunn had forwarded 37 confidential company emails, from 2014 to the present, to his private Gmail account. The messages allegedly contained customer information and preferences. An investigation identified another 61 messages that were forwarded or printed concerning clients with revenues of at least $5 million, the lawsuit claims. Dunn also allegedly switched his company cellphone number to his personal Verizon account. Crestwood believes that Dunn gave stolen client lists and other information to his son, Scott Dunn, owner-operator of Beltway Electronics Co., a direct competitor founded in 2016 in Cockeysville, Maryland. Dunn moved to Townson, Maryland, on Sept. 20 and Crestwood fired him on the following day. He has refused to return any of the allegedly stolen information, the lawsuit states, or the company cellphone. Crestwood accuses Dunn of misappropriation of trade secrets, computer fraud, unfair competition and theft. Crestwood is asking the court to order Dunn not to use or share any of the company information and to return trade secrets and destroy his copies, bar him and any Beltway Electronics representatives from soliciting Crestwood’s customers, return the company cellphone and award unspecified damages for the harm he allegedly caused.

Mazda White Plains has sued Mazda Motor of America to stop it from terminating its franchise agreement. The Premier Collection, owner of the Mazda franchise, is in the process of demolishing and rebuilding showrooms for three car brands, according to the lawsuit filed last month in Westchester Supreme Court. It had asked for Mazda’s consent to move new car sales to a temporary location, but Mazda refused. The dispute concerns The Premier Collection’s plans to build showrooms that comply with auto manufacturers’ standards. Mazda America requires dealers to provide a “Retail Evolution 3” facility that provides a certain appearance, amenities and layout. Premier also operates Subaru and Volvo dealerships at the same location, 258 E. Main St. in Elmsford, that also must provide “image compliant facilities.” The East Main Street site is too small to satisfy standards for all three car companies. So Premier, the lawsuit states, is demolishing everything and setting up temporary operations elsewhere. Premier had already been running used car sales and its Mazda parts and service operation at 235 Tarrytown Road in White

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Plains. The plan was to also temporarily move new car sales to that site. Subaru and Volvo would move to 500 Tarrytown Road and then back to Main Street when their new showrooms are built. Then 500 Tarrytown Road would become the permanent site for the Mazda franchise. Under the dealer agreement and state law, Mazda White Plains must get the automaker’s consent to relocate operations. Mazda rejected the request in June. The dealer notified Mazda last month that it would have to temporarily halt new car sales. Mazda America responded on Oct. 12 that it was terminating the dealer agreement in 15 days. “While Mazda previously indicated it would be amenable to White Plains moving,” the complaint states, “it suddenly backtracked and claimed that the permanent relocation premises was too small.” The new location, previously used by a Nissan dealer, according to the complaint, is larger than the Main Street location. Mazda White Plains said state law bars automakers from forcing dealers to build a certain type of facility, withholding consent to relocate or terminating a franchise agreement “without due cause and absent of good faith.” By rejecting the request to relocate temporarily, the dealer claims, Mazda forced it to suspend new car sales.

Mazda White Plains also has challenged Mazda’s relocation rejection with the state Department of Motor Vehicles, claiming that the automaker violated the New York Franchised Vehicle Dealer Act. A hearing is scheduled for Nov. 16. Mazda America has filed to move the lawsuit to federal court in White Plains. The law firm representing Mazda did not respond to a request for comment.

HUDSON GATEWAY REALTORS HONOR THEIR OWN

Stephanie Liggio holds her 2017 Affiliate Member of the Year award. Photo by John Vecchiolla.

Barry Kramer, principal brokerowner at Westchester Choice Realty in Scarsdale, has been named Realtor of the Year for 2017 by the Hudson Gateway Association of Realtors.

Kramer was one of seven award recipients honored on Oct. 30 at the 101st annual meeting of the White Plains-based Realtors group at the DoubleTree Hotel in Tarrytown. Stephanie Liggio, of Judicial Title Insurance Agency in Rye Brook, was named Hudson Gateway’s Affiliate Member of the Year. A Realtor for more than 20 years, Hudson Gateway officials said Kramer in that time has served on more than 15 association committees. He chairs its Realtors Political Action Committee and in January will begin a one-year term as Hudson Gateway president. He is the former chairman of the Westchester County Human Rights Commission. Prior to his real estate career, Kramer was a theater manager, a travel agency owner and an avid international bicyclist. Liggio, director of business development for Judicial Title Insurance Agency, was cited by Hudson Gateway Association of Realtors officials as a constant supporter of the organization and the Women’s Council of Realtors, having planned that group’s annual fashion shows for many years. For the past two years, she has served on the Hudson Gateway Realtor Foundation Committee and has been instrumental in planning its various fundraisers and annual gala. Other award winners were:

Spirit Award, Robert Shandley, of Better Homes and Gardens Rand Realty in White Plains; Extra Mile Award, Debra Budetti, of ERA Insite Realty in White Plains; President’s Award, Pamela Jones, of Coldwell Banker Residential Brokerage in White Plains, who serves as secretary/treasurer for the association board of directors; Albert P. Schatz Legislative Advocacy Award, Clayton Livingston, of Coldwell Banker Residential Brokerage in Crotonon-Hudson; Stephanie Crispinelli Humanitarian Award, Matt Rand, managing partner of Better Homes and Gardens Rand Realty in New City. Rand also serves as president of the board of directors of People to People, Rockland County’s largest food pantry; Up & Coming Awards, Aimee DeCesare, of North Country Sotheby’s International Realty in Croton-on-Hudson, and Angie Primus Gilford, of Primford Homes Realty in the Bronx. The Hudson Gateway Association of Realtors is a nonprofit trade association covering nearly 11,000 real estate professionals doing business in Westchester, Putnam, Rockland, and Orange counties as well as in the Bronx and Manhattan. It is the second largest Realtor association in New York and one of the largest in the country. — John Golden

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Fail or nail: A guide to better press releases

or those unfamiliar with public relations, the term “press release” can be a catchall for what people think we do. You know, your news is typed into a predefined format, sent to the media and reporters beat down your door to cover it — right? Not exactly. Here are some dos and don’ts to keep in mind whether you’re writing your own press release or working with a PR firm to help you along.

DO INCLUDE ALL OF THE DETAILS, QUOTES AND VISUALS

The five W’s — who, what, where, when and why — need to be in the first paragraph of all press releases. Don’t bury the goods! Think of any question a reporter might have and address it. Do not try to create intrigue or leave out key information in an effort to get the reporter to call you. Sometimes, if a release is well written, it will get picked up verbatim. Include one or more relevant quotes and a high-quality photo to add visual appeal. If there is an opinion to be expressed in the release, use it in a quote. Finally, don’t forget to proofread.

DO KEEP IT BRIEF

Skip those five-page press releases. In the words of the immortal Sweet Brown, “Ain’t nobody got time for that.” Stick to the important facts and highlights of your news, if possible keeping to no more than two pages of content in a standardsize font. If you are covering a complex academic, scientific or financial topic, be sure to translate industry jargon into common language. For example, a general assignment producer on a TV station may not understand terms that a 20-year veteran reporter covering complex business issues would know.

DON’T WRITE A LOVE STORY TO YOURSELF

Always include a brief, one-paragraph boilerplate — the quick “about the company” snapshot that explains where it’s based, its mission and how to get in touch — at the end of the release. It should succinctly explain what you do. If it’s a joint release, include the boilerplate of your collaborators. Reporters will use the boilerplate as shorthand to describe you in the story. Do not pack it with jargon or acronyms.

DO MAKE IT NEWSWORTHY

Because something is significant to

NOVEMBER 13, 2017

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Filomena Fanelli

you or your company doesn’t necessarily mean it’s newsworthy to the readers or viewers of a particular news outlet. Chances are, for instance, your company’s new website or 24th anniversary won’t appeal to a broad audience. This may be tough to swallow, especially when your CEO thinks these milestones should be in the news. Instead, write a press release that’s extremely targeted. Your news might not be relevant to the front page of your daily newspaper, but it could be of interest to a specialized trade publication or even a blog that caters to your line of business. Another option is to skip the press release altogether and self-publish with a big splash to the internal audience you know will love to hear about it. Feature it as a story on your website or send an email newsletter to your database. Share it on your social media channels so you can go straight to your customers and employees.

DO MAKE IT TIMELY

If your news really is newsworthy, the time to act is now. Write that press release and get out to the media. Waiting a couple of months to share your fantastic news means it won’t get the media coverage it would have received if it was shared when still fresh. The word “news” implies, as the first three letters indicate, that you are sharing something new.

DON’T CONFUSE FORMATS

A classic, full-blown press release is not always what is needed to get the word out. If you have a big, media-worthy announcement or a camera-ready event or speaker to publicize, you may actually need media alert, with a simple listing, including the five Ws of why reporters or photographers should come out and cover you and what they will see when they get there. Other possible formats to consider are letters to the editor, opinion/ editorial pieces — also known as op-eds — and captioned photos. Mixing up the way you reach out and to whom will garner better results than a slew of press releases will.

DON’T USE A RELEASE INSTEAD OF A SIMPLE PITCH

If you know your news would be relevant to a particular reporter, pitch it straight to him or her. There’s no need to send it to everyone and their mama every time. Make the reporter feel special by giving him or her an exclusive, the PR industry term for when a specific story is offered to one party only and not shared elsewhere until that member of the media prints the piece or breaks the segment.

Offering an exclusive helps build relationships and goodwill and I can tell you from experience, it will pay off later. If a reporter isn’t interested in covering your news, immediately pitch it to another reporter or go ahead with your release as originally planned. As you can see, there are many unwritten rules when it comes to press releases and breaking these rules can get under the skin of reporters and public relations professionals alike, putting your news at the bottom of the pile or worse, in a recycling bin. In an evolving industry like public relations, that serves another changing industry, journalism, don’t give the media an excuse not to publish your news. Don’t hesitate to hire a PR professional. Even if you can’t bring on a firm full time, you may be able to benefit from a consulting session to help you successfully navigate the world of media relations. Filomena Fanelli is the CEO and founder of Impact PR & Communications Ltd., a public relations firm and certified women’s business enterprise based in Poughkeepsie. She can be reached at 845-462-4979 or at filomena@prwithimpact.com.

Indian Point — » From page 4

approved a plan to put aside $100,000 per year into a reserve account to prepare as well. Puglisi said the village will look to negotiate a new PILOT agreement with Enter�y, “to extend payments to our area including during the decommissioning years. We have just started to have that dialogue.” The panel on workforce development is the latest in a series of community discussions addressing the plant’s closing. On Oct. 30, the natural gas advocacy group Empire Ener�y Forum hosted a panel discussion at Iona College on replacing the 2,000 megawatts that Indian Point generates. The panel featured a presentation from Rosemary Scanlon, a former chief economist for the Port Authority of New York and New Jersey. Scanlon consulted with the New York Building Congress to publish a report on the 10-year outlook for New York City’s electricity supply, particularly focused on the loss of Indian Point. The report’s recommendations include new transmission capacity to reach renewable sources upstate and new pipeline capacity for natural gas into New York City and Westchester County.

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Multimillion-dollar renovation for Peekskill’s Blue Mountain Plaza

From left, McDonald’s franchisee owner Carlos Wong, Fred Schwalb of Kurtsam Realty, Joanne Landau of Kurtsam Realty and McDonald’s franchisee operations head Victor Wong. Photo courtesy Kurtsam Realty

BY ALEESIA FORNI aforni@westfariinc.com

M BEWARE Outside companies are soliciting BUSINESS JOURNAL readers for plaques and other reproductions of newspaper content without our consent. If you or your firm is interested in framing an article or award from our newspaper or obtaining a reprint of a particular story Please contact

Marcia Rudy of Westfair Communications directly at (914) 694-3600 x3021.

NOVEMBER 13, 2017

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ultimillion-dollar plans are in store for Blue Mountain Plaza, a 66,000-squarefoot shopping center just north of the PeekskillBuchanan border. “We’re bringing an up-to-date shopping center that’s completely refurbished to an area that needs some refurbishing,” Kurtsam Realty Corp. property manager Fred Schwalb said of the complex at 20 Welcher Ave. in Peekskill. The shopping center’s roughly $10 million improvement project includes expansions and renovations to an existing McDonald’s restaurant and CVS Pharmacy. Both companies plan to invest their own money in the redevelopments. Kurtsam Realty Corp., the Croton-onHudson owner of the property, also plans to revive the exterior of the entire shopping complex, which is just off the Welcher Avenue exit of Route 9. “When the entire project is complete, we’ll have a state-of-the-art center that provides high-quality, easy-access shopping and services for the entire area,” Schwalb said. The first phase of the center’s revival wrapped earlier this month, when the 3,200-square-foot McDonald’s opened the doors of its newly-renovated eatery. The nearly $1 million project features digital menu boards and touch-screen kiosks for ordering. The restaurant also plans to launch a smartphone app for mobile ordering. “This has always been an excellent location for us and we anticipate an increase in business as a result of the modernization,” said McDonald’s franchise owner Carlos Wong. On the opposite side of the shopping center, CVS plans to expand its footprint from 3,600 to approximately 14,000 square feet. The larger pharmacy, set to open late next year, will also offer a drive-through lane for prescription pickups.

“In today’s neighborhood shopping center market, a large pharmacy is just as important as a grocer used to be,” Schwalb said. “To accommodate that (expansion) meant playing musical chairs with the other tenants.” As part of the expansion, CVS will take over a retail space that is now occupied by the Trustco Bank. The bank plans to move into what will be a newly constructed building on the south end of the center. Longtime tenants Chinatown Kitchen, Forever Yours Flowers and Golden Scissors Hairdresser will be between CVS and the bank, along with a newly added shoemaker Sole Man. The complex’s anchor tenant, Green Grocer, is also undergoing an interior renovation, and the supermarket’s 34,700-squarefoot building will also soon have a new facade. The grocer took over the space from longtime anchor, A&P, which operated at Blue Mountain from 1959 until its closing in 2015. “Our aim is to bring consumers healthy, affordable and convenient one-stop food shopping,” said Green Grocer store owner Alex Davashi. Other improvements to the center will include repaving and restriping the parking areas, new outdoor lighting and upgraded landscaping. The complex’s third building on the west side of the property will also see the expansion of Go No Sen Karate. Kurtsam officials believe these improvements to the shopping center will enhance the customer experience. “Parents can drop their kids off at karate, do a quick food shop and pick up a prescription,” Schwalb said. “Others can have a meal, drop off their shoes for repair and have a haircut.” Kurtsam Realty President Joanne Landau pointed to the revival of Peekskill’s downtown, along with the recently opened gaming and entertainment center at Charles Point Marina as signs of the area’s resurgence. “It’s finally starting to happen,” she said “We’re excited to be a part of that.”

SPECIAL REPORT

BANKING

Patriot Bank survey spotlights student savings and struggles with debt

BY ALEESIA FORNI aforni@westfariinc.com

truggles with paying off mounting credit card debt, while still hoping to save extra cash for the future, are plaguing students across Westchester and Fairfield counties, according to a Patriot Bank survey. In the survey, which polled students in Westchester, Fairfield and surrounding counties, the Stamford-headquartered bank found that 66 percent of college-level respondents had a credit card and more than 41 percent of those students are having a difficult time paying off that debt. “They’re seeing that they may not be able to carry their debt, along with apartment living and having a car, as easily as they thought they would,” said Patriot Bank Executive Vice President Judith Corprew. Seventy-nine percent of college-aged respondents said they have a savings account, while 12 percent said they have mutual fund investments and 42 percent have already initiated a retirement plan. For high school students who responded to the survey, 76 percent have a savings account and 43 percent have a college savings plan. Of the college students surveyed, 60 percent said they regularly set aside savings, while 40 percent reported that they do not save at all. Those rates are slightly lower for students in high school, with 56.5 percent of respondents to the survey reporting that they save money for the future. “What I see when I’m reading this (survey report) is that there are students coming out of their house and they may have been taught to put a little bit of money away, but they’re not totally prepared for what it means once you’ve signed your name or slid that card,” Corprew said. “You’re now responsible for that debt.” Along with amassing credit card debt, school loans continue to be a concern for many college-aged students. Of the college survey group, 41 percent reported that they have taken out student loans. When asked how long it would take to pay off their student debt after graduation, 16 percent of respondents said less than 5 years; 22 percent said between 6 to 10 years; 7 percent said from 11 to 19 years; and 11 percent said it would take more than 20 years to repay.

FREQUENCY COLLEGE STUDENTS SAVE

Weekly Bi-Weekly Monthly

28% 36% 28%

LESS THAN 6 TIMES PER YEAR

EXPECTED LENGTH OF REPAYMENT TIME

16% 6-10 YEARS 22% 11-19 YEARS 7% LESS THAN 5 YEARS

20 YEARS NOT APPLICABLE

11% 44%

Source: Patriot Bank

“It’s scary,” Corprew said. “You could be paying for (your student loans) almost like a mortgage for another 20 years.” About 56 percent of high school students surveyed expect to apply for a student loan, while 13 percent were still undecided whether they would require such college loans. More than one-fifth of high schoolers expected they will not need to apply for a student loan, while 9 percent said that they did not have plans to attend college. According to the consumer site NerdWallet, more than 1.4 million potentially eligible students and their families failed to fill out a Free Application for Federal Student Aid (FAFSA) application last year or did so incorrectly. The site also estimates that almost half, or 747,579, of those students would have been eligible for some of the available $2.7 billion in U.S. college financial aid left on the table last year. “Students and parents need to educate

themselves about FAFSA because the financial stakes are so high,” said Corprew, who heads community partnerships at Patriot Bank. “Providing young people with tools to make smart money management decisions is critical.” Patriot Bank officials said the survey findings highlight the importance of teaching students fundamental financial skills like building a budget, understanding and controlling debt and planning for the future. “Focusing more time and attention on teaching high school and college students to be financially literate is a building block to success and financial independence,” said Richard Muskus Jr., president of Patriot Bank. “Lacking these skills can be become a lifelong burden.” Starting in spring of this year, Patriot Bank unveiled its latest series of financial literacy educational programs, which included dozens of events with students, military vet-

COLLEGE STUDENTS PREFERRED PAYMENT METHODS

Credit card

17%

Cash

22%

Debit Card

22%

erans and community and nonprofit groups aimed at improving financial literacy. “We worked with veterans who went straight into the service out of high school without ever learning financial fundamentals, which put them at a disadvantage when it was time to re-enter the civilian world,” Muskus said. The bank has also partnered with financial literacy firm Banzai Inc. to offer the company’s web-based educational curriculum to students in 15 schools in the neighboring New York and Connecticut counties. Patriot Bank, which has seven branches in Fairfield County and two in Westchester, has sponsored the program at no cost to students or school districts. Banzai is an interactive online program that gives students a firsthand look at managing their own finances, providing them with real-life experiences without the risk of any real-life consequences. The 21st-century teaching tool was distributed to schools chosen by their economic demographic in Stratford, Stamford, Norwalk, Bridgeport, Mount Vernon, Port Chester, White Plains and Yonkers. In both Connecticut and New York, students are not required to take courses on personal finance prior to their graduation from high school. “When we educate our young people by giving them this important financial knowhow, we are empowering them to be our future leaders, creators of new businesses and an integral part of our nation’s economy,” said Mount Vernon Mayor Richard Thomas, who helped lead a financial literacy education program at Mount Vernon High School for more than 100 students.

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NOVEMBER 13, 2017

BRIEFLY

STERLING AND NEW YORK JETS PARTNER

Sterling National Bank has been named the official commercial bank of the New York Jets in a new multiyear partnership announced last month by the National Football League team and the bank headquartered in Montebello in Rockland County. Bank officials said the partnership is

the bank’s first alliance with a professional sports team. In addition to the official designation as the Jets’ bank, the partnership gives Sterling an opportunity to deepen its banking relationship with organizations in the Jets Partner Alliance network, including middle-market business owners. Established in 2014, the Jets Partner Alliance is a B2B platform encompassing all of the team’s suite and corporate partners. “We are very excited about partnering with a team that shares our core values and regional roots,” said David S. Bagatelle, president of Sterling’s New York Metro Markets. “We anticipate building upon this partnership year-round — beyond football season — to help support the unique needs of the New

York Jets and their partnership network.” Sterling and the Jets began their partnership this fall at the start of the 2017 NFL season. Nine weeks into the season, the Jets had a 4-5 record with Sterling as its commercial bank. The Jets on Nov. 5 defeated the Buffalo Bills, 34-21. An intrastate banking rival of Sterling National, Buffalo-based M&T Bank, is the longtime official commercial bank of the Bills.

age the bank's loan portfolio and supervise its lending teams, reporting to and working directly with bank President Richard A. Muskus Jr.

SCOTT LAUGHINGHOUSE JOINS PATRIOT BANK

Patriot Bancorp N.A. has hired Scott Laughinghouse as executive vice president and chief lending officer. The 30-year banking veteran will manScott Laughinghouse

Before joining Patriot, Laughinghouse served as chief lending officer and senior vice president of the First American International Bank in Brooklyn. Before that, he was chief commercial credit and lending officer at Lake Sunapee Bank in Newport, New Hampshire. Patriot said the headcount at its Stamford headquarters has grown by 42 percent over the last 18 months. The bank recently posted third-quarter pretax earnings of $1.7 million and quarterly net income exceeding $1 million, both milestones for the Stamford institution.

RECHLER TO KEYNOTE WCA LEADERSHIP DINNER

Barry Fenstermacher Headmaster, The Harvey School

True Local Means Connecting to our Communities. Banking that affects us all for the better. “I'm finishing my 30th year at The Harvey School, and PCSB Bank has been a very close business partner almost the entire time I've been the head of the school. We have needed to expand over the years to match our ongoing success, and PCSB Bank helped us grow almost three fold. We also serve the same communities that the bank does, and the bank understands how those relationships work. Our parents, employees and even myself are personally customers of the bank, so everything they do directly affects this community in many different ways. And how PCSB Bank has treated us will affect many generations of our students to come. That's more than just a bank, it's a community institution.”

Serving Putnam, Dutchess, Westchester and Rockland Counties Since 1871.

PCSB.com 18

NOVEMBER 13, 2017

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914-248-7272

The Westchester County Association will host its annual Fall Leadership Dinner Nov. 16 with keynote speaker Scott Rechler, chairman and CEO of RXR Realty. The 67th annual dinner, to be held at the Westchester Marriott in Tarrytown, will honor Sterling National Bank CEO and President Jack L. Kopnisky and Kevin W. Dahill, president and CEO of Suburban Hospital Alliance of New York State. Rechler's RXR Realty has invested heavily in downtown residential and retail development in New Rochelle and Yonkers, while also unloading much of its county office portfolio. The Long Island company is currently leading a downtown development effort in New Rochelle after the city hired RDRXR at New Rochelle LLC — a joint venture of RXR Realty and Renaissance Downtowns — as its master developer in 2015. In Yonkers, the company has teamed up with Rising Development for the $190 million mixed-use Larkin Plaza. Kopnisky will receive the WCA's Alfred B. DelBello Visionary Leadership Award, while Dahill will receive the Leadership Award. The dinner begins at 5:30 p.m. Tickets are $300 for WCA members and $350 for nonmembers. — Ryan Deffenbaugh, Kevin Zimmerman, John Golden

BY ALICE FERREIRA

Value of a good reputation is something you can take to the bank

he reputation of your business is the most important asset of any organization. We often hear it is our employees, but if your organization is not held in high regard, you are likely not retaining or recruiting those great employees. Others may think it is the product and services, but again, if you are not perceived as reliable, trustworthy or creative, then your customers are likely looking elsewhere to buy their coffee, build their deck, or secure a commercial loan. However, most businesses do not focus on reputation, as it is seen as an intangible and its value likely not showing up on the annual business goals or on the balance sheet. However, CEOs are starting to see the value in reputation management. A recent U.S. survey by PR giant Burson-Marsteller found that 95 percent of chief executives believed that corporate reputation plays an important or very important role in the achievement of business objectives. And not in a moment of crisis when most organizations endure significant business loss or worse, closure of the business. Banks, in particular, should be ultrasensitive given most banks suffered reputational damage following the financial crisis and the need to slowly gain back trust. We are now seeing it appear as a critical business priority that is on the top of the priority list. This past June, the Reputation Institute released its 7th annual Survey of U.S. Bank Reputations report. We are happy to report that there are measurable incremental gains in customers’ and future customers’ faith in banks again. The Institute looked at the overall reputation of the banking industry and ranked banks from all over the country, identifying the key aspects of reputation and which banks are doing it best. At the same time, the annual Connecticut Bank Prospect Benchmark study, based on more than 400,000 consumer and business reviews of banks and credit unions across New England, found that one component of reputation management, community contributions or community affairs, is making a significant impact on growing and retaining business for Connecticut banks. The study determined that community contribution increases consideration of your bank by prospects or future customers by an average of 136 percent. For current customers, it increases their long-term loyalty by 91 percent. This further proves that a thoughtful and disciplined community program continues to be a critical component of the overall mar-

keting effort of the bank. Alongside its public relations, social media, advertising and brand efforts, community affairs can be one of the most effective strategic levers to business performance and success. According to the latest Edleman GoodPurpose study, 73 percent of consumers would switch brands if a different brand of simiar quality supported a good cause. And if you are utilizing all your marketing channels to create awareness of those aligned causes, the percentage should increase substantially. Traditional approaches to community affairs is making a donation to a local charity and getting employees to come out to support the cause. However, we know that to impact the bottom line in a demonstrable way, there needs to be a disciplined and sustained program that is developed and managed as carefully as a new product rollout or cybersecurity initiative. To kick start or re-vamp your community affairs program, there are three simple ways to ensure your organization can have a competitive edge: Tailor your efforts to the core of your business. Tying your philanthropic efforts based on the expertise of your people, products and services to the community issues and needs is critical to enhancing your reputation. This is the only way to make an impact — by targeting “talent and treasure” to what’s important to your business. Tell compelling and personal stories. Beyond the numbers, find customers and partners who have relevant stories that demonstrate to prospects that one of your core values is to serve the communities in which you work and live. Tell these stories in the most compelling and engaging ways — videos, infographics and surprise community partner visits to your next employee town hall. Create community impact reports. Provide bite-size information to showcase how the volunteerism and charitable efforts are making a difference in the communities you serve. The impact reports should be shared with all key stakeholders including government officials, media and chief information officers, among others. Whether you are already doing all this or need to start today, true bottom line is that banks that want to be the best and be recognized as the best, need to always put their best foot forward for customers and the community. Alice Ferreira is the head of corporate communications for Webster Bank, headquartered in Waterbury. She can be reached at ACFerreira@websterbank.com or by phone at 203-578-2610.

Trust When it comes to banking you can count on us.

The relationships we develop with our customers are more than a series of business transactions… they’re built on honesty, integrity and reliability. Start your relationship with Lakeland Bank today. Hudson Valley Commercial Lending Team

845-827-3153

LakelandBank.com WCBJ

NOVEMBER 13, 2017

SBA loans in NY top $1B in FY 2017

YOUR PARTNER OF CHOICE FOR MULTIFAMILY LENDING ACQUISITION | REFINANCE | REHABILITATION | CONSTRUCTION FREDDIE MAC SELLER SERVICER | FHA MAP APPROVED LENDER

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UNCOMMON EXPERTISE. UNMATCHED IMPACT. communityp.com I 914.747.2570

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oans to small business owners backed by U.S. Small Business Administration guarantees increased 36 percent in number and 15 percent in dollar amount in the SBA’s New York district in the 2017 federal fiscal year, putting the district office over $1 billion in annual loan program lending for the first time. The district office — which covers New York City, Long Island and Westchester, Dutchess, Orange, Putnam, Rockland, Sullivan and Ulster counties in the Hudson Valley region — approved a total of $1,016,502,422 in SBA loans from area lenders. Nationwide, the SBA approved more than 68,000 loans in the 7(a) and 504 loan programs that provided more than $30 billion to small businesses in the fiscal year that ended Sept. 30. In Westchester County, 213 SBAguaranteed loans amounting to just under $75 million were given to business owners in the 2017 fiscal year, up 20 percent in number from the previous year, according to SBA officials in Manhattan. The loans supported more than 1,400 jobs throughout the county in industries such as catering, fitness and recreation, restaurants, performing arts, janitorial and nursery and garden centers. In the seven-county lower Hudson Valley region, the SBA guaranteed 500 loans worth $191 million. The New York district added 35 lenders in 2017 that did not participate in the federal loan programs in 2016. TD Bank made more SBA loans, 898, than any other lender. NewBank, based in Flushing, Queens, loaned the greatest dollar volume at $119 million. “Our numbers are through the roof,” New York District Director Beth Goldberg said. “We guaranteed more loans than any other district.” Goldberg said 36 percent of the region’s SBA loans were under $50,000; 42 percent went to minority-owned businesses; and 16 percent, or $160 million, went to womenowned businesses. Goldberg attributed the increase to the district office staff’s work to address the “pain points” of SBA lenders and make them more comfortable with the SBA Loan guarantee as

another “tool in their toolboxes” when meeting with small business owners looking for financing. “This significant increase would not have been possible without our lending partners,” she said. “Going forward, we want to increase SBA 504 lending,” Goldberg said. The program provides small businesses with long-term, fixed rate financing to acquire fixed assets. The loans are available through Certified Development Companies, SBA’s communitybased partners. The 504 lending program “makes it possible for small business owners to purchase their building for as little as 10 percent down,” Goldberg said. “We really want to spread the word so we can help entrepreneurs move from tenant to owner-occupant.” In the Hudson Valley, the top five SBA lenders by number of loans were JPMorgan Chase, with 81; TD Bank, 75; Manufacturers and Traders Trust Co., 59; Empire State Certified Development Corp., 40 and KeyBank, 24. The top five lenders by dollar amount in the Hudson Valley were Empire Certified Development Corp. $40,726,000; Manufacturers and Traders Trust Co., $11,393,800; Noah Bank, a minority-owned bank headquartered in Elkins Park, Pennsylvania, $9.12 million; Celtic Bank Corp., based in Salt Lake City, $7,886,400; and Cross River Bank, based in Fort Lee, New Jersey, $7,768,100. In Westchester County alone, the top five SBA lenders in number of loans were TD Bank, with 42; JPMorgan Chase Bank, 39; Wells Fargo, 14; Citibank and Manufacturers & Traders Trust Co., both with 11; and New Millennium Bank, headquartered in Fort Lee, with nine loans. The top five lenders in Westchester County by dollar amount were Empire State Certified Development Co., $8,866,000; Newtek Small Business Finance Inc. in New York City, $5,917,400; Live Oak Banking Co., of Wilmington, North Carolina, $5,165,000; TCF National Bank, based in Wayzata, Minnesota, $4,995,500; and NewBank, $4,540,000. The Small Business Administration also launched an upgraded online lender referral tool, Lender Match, in the recently ended fiscal year. It connects small business borrowers with participating SBA lenders.

NEWS NOON @

NOVEMBER 13, 2017

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LARGEST PUBLIC COMPANIES THE LIST: Largest Public Companies

Westchester County WESTCHESTER COUNTY

Ranked by 2016 net revenue.

1 2

Company Name Address Area code: 914, unless otherwise noted

CEO Title Year company established

2016 net revenue

2015 net revenue

Type of business s

IBM Corp.

Virginia Rometty Chairman, president and CEO 1914

$79.9 billion

$81.7 billion

Develops, manufactures, sells and services advanced informationprocessing products

PepsiCo. Inc.

Indra K. Nooyi Chairman of the board and CEO 1965

$63.1 billion

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

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

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

Morgan Stanley & Co.

$62.8 billion

James P. Gorman Chairman and CEO 1935

$34.6 billion

$35.2 billion

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

Jean-Francois van Boxmeer Chairman of the executive board and CEO 1864

$24.1 billion

$23.8 billion

Alcoholic beverage manufacturer

Shigetaka Komori Chairman and CEO 1934

$21.9 billion

Photography and imaging company

John McAvoy Chairman, president and CEO 1936

$12.1 billion

$12.6 billion

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

Leo P. Denault Chairman of the board and CEO 1913

$10.8 billion

$11.5 billion

Energy company specializing in electric power production

Ajay Banga President and CEO 1966

$10.8 billion

$9.7 billion

Global payments company

Sherilyn McCoy CEO 1886

$5.7 billion

$6.1 billion

Manufactures and markets beauty, fashion and home-décor products

Regeneron Pharmaceuticals Inc.

Leonard S. Schleifer Founder, president and CEO 1988

$4.9 billion

$4.1 billion

Drug manufacturer

ITT Corp.

Denise L. Ramos CEO and president 1967

$2.4 billion

$2.5 billion

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

Atlas Air Worldwide Holdings Inc.

William J. Flynn President and CEO 1992

$1.8 billion

Outsourced aviation services

Prestige Brands

Ron Lombardi President and CEO 1996

$806.2 million

$714.6 million

Independent provider of over-thecounter health care and cleaning products

Acorda Therapeutics Inc.

Ron Cohen President and CEO 1995

$519.6 million

$492.7 million

Biotechnology

3 4 5 6 7

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

Heineken

360 Hamilton Ave., No. 1103, White Plains 10601 681-4100 • theheinekencompany.com

FUJIFILM Holdings America Corp. 200 Summit Lake Drive, Valhalla 10595 732-857-3280 • fujifilmusa.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, La.) Broadway, Buchanan 10511 736-8000 • entergy.com

MasterCard Worldwide

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

8 9

Avon Products Inc.

(Headquartered in New York City) 601 Midland Ave., Rye 10580 935-2000 • avon.com 777 Old Saw Mill River Road, Tarrytown 10591 847-7000 • regeneron.com

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

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

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

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

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 company in our next list, please contact Danielle Renda at drenda@westfairinc.com. Note:

Information collected from public proxy statements and financial reports. WCBJ

NOVEMBER 13, 2017

November 28 • 11:30 AM - 1:30 PM The Water’s Edge at Giovanni’s Darien, CT

More Than Pink Luncheon

Program: Christina Baker Kline author of “The Orphan Train: A Novel” in conversation with Kristi Olds, WFSB Honoree: Camelia Lawrence, MD St. Vincent’s Medical Center

KomenLuncheon.org #MoreThanPink 22

NOVEMBER 13, 2017

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Connecticut Communities Most Impacted by Breast Cancer

High Late-Stage Diagnosis Rate, High Mortality Rate, and High Incidence Rate High Late-Stage Diagnosis Rate and High Mortality Rate High Incidence Rate High Late-Stage Diagnosis Rate

Connecticut is among the states with the highest incidence of breast cancer in the United States. Nearly 3,000 women and men will be diagnosed annually in Connecticut. Towns with high late-stage diagnosis are an indication that individuals may not have access to adequate breast cancer services. The programs we fund help overcome barriers to screening and treatment so all our neighbors can access the care they need. For more information visit KomenNewEngland.org

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NOVEMBER 13, 2017

MILLI AWARDS2017 5:30 p.m.

ENJOY THE NIGHT 8-10 p.m. AFTER PARTY

Dinner, drinks, networking, raffle prizes, magician and more!

6:15 p.m.

• Opening remarks by Doug Cedrone, co-owner of Beer Noggin • Presentation of Milli Awards

NOV. 14

AT 1133 WESTCHESTER AVE. WHITE PLAINS

Join Blockheads, 40 Mamaroneck Avenue, White Plains for the Official Milli Award After Party! Enjoy delicious food and drinks with honorees, friends and family! Milli Honorees will receive a $25.00 gift certificate to Blockheads (valid for 11/14 only) Milli Event attendees will receive a $10.00 gift certificate to Blockheads (valid for 11/14 only)

TO REGISTER VISIT WWW.WESTFAIRONLINE.COM/EVENTS FOR QUESTIONS AND SPONSORSHIP INQUIRIESCONTACT REBECCA FREEMAN AT 914-358-0757 OR RFREEMAN@WESTFAIRINC.COM

#MilliAwards2017 SILVER SPONSORS:

PRESENTED BY:

BRONZE SPONSORS:

www.columbiaradiology.com

BENEFITTING:

NOVEMBER 13, 2017

SUPPORTERS:

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FACTS & FIGURES BANKRUPTCIES MANHATTAN 1485 Second Avenue Restaurant LLC. 1485 Second Ave., New York 10021. Chapter 11, voluntary. Represented by James B. Glucksman. Filed: Oct. 2. Case no. 17-13121-smb. 28th Street Management Inc. 25 E. 86th St., Apt. 9F, New York 10028. Chapter 11, voluntary. Represented by Brett S. Moore. Filed: Nov. 6. Case no. 17-13153-mkv. Advanced contracting solutions LLC. 1160 Commerce Ave., Bronx 10462. Chapter 11, voluntary. Represented by Tracy L. Klestadt, Brendan M. Scott and Fred Stevens. Filed: Nov. 6. Case no. 17-13147-shl. Downtown Taxi Management LLC. 25 E. 86th St., Apt. 9F, New York 10028. Chapter 11, voluntary. Represented by Brett S. Moore. Filed: Nov. 6. Case no. 17-13152-mkv. Tunnel Taxi Management LLC. 25 E. 86th St., Apt. 9F, New York 10028. Chapter 11, voluntary. Represented by Brett S. Moore. Filed: Dec. 6. Case no. 17-13151-mkv. Woodside Management Inc. 25 E. 86 St., Apt. 9F, New York 10028. Chapter 11, voluntary. Represented by Warren J. Martin Jr. and Brett S. Moore. Filed: Nov. 6. Case no. 17-13150-mkv.

POUGHKEEPSIE MFB Properties LLC. 3 Fernwood Drive, Greenwood Lake 10925. Chapter 11, voluntary. Represented by Mike Pinsky. Filed: Nov. 3. Case no. 17-36876cgm.

Items appearing in the Westchester County Business Journal’s On The Record section are compiled from various sources, including public records made available to the media by federal, state and municipal agencies and the court system. While every effort is made to ensure the accuracy of this information, no liability is assumed for errors or omissions. In the case of legal action, the records cited are open to public scrutiny and should be inspected before any action is taken. Questions and comments regarding this section should be directed to: John Golden c/o Westfair Communications Inc. 3 Westchester Park Drive, Suite G7 White Plains, N.Y. 10604-3407 Phone: 694-3600 • Fax: 694-3680

COURT CASES 145 Windsor Highway LLC. Filed by Owen Harty. Action: Americans with Disabilities Act — enforcement. Attorney: Peter Erik Sverd. Filed: Nov. 2. Case no. 7:17-cv-08427-CS. Access Solutions Group LLC. Filed by Scottsdale Insurance Co. Action: declaratory judgment. Attorney: Sharon Angelino. Filed: Nov. 2. Case no. 7:17-cv-08429-KMK. Ansiga Corp. Filed by Olvin Arauz. Action: Fair Labor Standards Act. Attorneys: Richard Elliot Blum and Julia Blair Mosse. Filed: Nov. 2. Case no. 7:17-cv-08401-NSR. ARS National Services Inc. Filed by Sara Soifer. Action: 1692 Fair Debt Collection Act. Attorney: Daniel Harris Kohn. Filed: Nov. 2. Case no. 7:17-cv08483-NSR. Bank of America National Assoc. Filed by Ephraim Eisenberg. Action: Telephone Consumer Practice Act of 1991. Attorney: Daniel Harris Kohn. Filed: Nov. 11. Case no. 7:17-cv-08398NSR. Borrelli Partners Insurance Agency LLC. Filed by Liberty Mutual Insurance Co. Action: diversityother contract. Attorney: John Gerard Stretton. Filed: Nov. 7. Case no. 7:17-cv08602. Capital Management Services LP. Filed by Avruhum Vanchozker. Action: 1692 Fair Debt Collection Act. Attorney: Daniel Harris Kohn. Filed: Nov. 6. Case no. 7:17-cv-08592. Colonel’s Limited LLC. Filed by Rachid Achoual, Muhammad Sultan and Kamal Rahamtalla. Action: Fair Labor Standards Act. Attorneys: Andrea Marie Downing and Foster S. B. Friedman. Filed: Nov. 2. Case no. 7:17cv-08420.

ON THE RECORD

Genesco Inc. Filed by Bruce Rupp. Action: job discrimination (age). Attorney: HP Sean Dweck. Filed: Nov. 1. Case no. 7:17-cv-08381-KMK. H2 Candy & Nuts Inc. d.b.a. Sweet Rainbow. Filed by Sonia Garcia Mestizo and Maura Amastal. Action: federal question — employment discrimination. Attorney: Robert Philip Valletti. Filed: Nov. 3. Case no. 7:17-cv08519. House of Nutrition LLC d.b.a. Jungle Nutrition, a New York unknown entity, f.k.a. Stimpson’s House of Nutrition. Filed by Nutrition Distribution LLC, d.b.a. Athletic Xtreme. No action listed. Attorney: Edward Andrew Paltzik. Filed: Nov. 3. Case no. 7:17-cv-08527. Johnson & Johnson Consumer Inc., et al. Filed by Maureen S. Douglas. Action: diversity-product liability. Attorney: Donald Alan Migliori. Filed: Nov. 6. Case no. 7:17-cv-08568.

United States of America. Filed by Dexter Pickett. Action: motion to vacate/correct illegal sentence. Attorney not listed. Filed: Nov. 30. Case no. 7:17-cv-08379-KMK. W.C. Greens Corp. Filed by Owen Harty. Action: Americans with Disabilities Act — civil enforcement actions. Attorney: Peter Erik Sverd. Filed: Nov. 1. Case no. 7:17-cv-08430KMK.

DEEDS Above $1 million

Minuteman Mall LLC. Filed by Own Harty. Action: Americans with Disabilities Act — civil enforcement actions. Attorney: Peter Erik Sverd. Filed: Nov. 2. Case no. 7:17-cv-08424KMK.

330 North Main St LLC, New York City. Seller: 330 North Main Street LLC, Mount Vernon. Property: 330 N. Main St., Rye. Amount: $1.8 million. Filed Nov. 3.

Moodna Creek Development Ltd. Filed by Basil Seggos. Action: real property tort to land — liability. No attorney listed. Filed: Nov. 7. Case no. 7:17-cv-08611.

460 North Main Street Realty Inc., Port Chester. Seller: Frank Rende Realty Corp., Port Chester. Property: 460 N. Main St., Rye. Amount: $1.5 million. Filed Nov. 2.

Morano Landscape Garden Designs Ltd. Filed by Elsa Chavez and Carlo Escamilla. Action: Fair Labor Standards Act. Attorneys: Michael John Borrelli, Alexander Todd Coleman and Caitlin Duffy. Filed: Nov. 3. Case no. 7:17-cv-08484-VB.

The Permanent Mission of the Republic of Namibia, New York City. Seller: Mamoon Zamir, et al, Rye. Property: 8 Flagler Drive, Harrison. Amount: $4.4 million. Filed Nov. 1.

Mount Vernon City School District. Filed by Bruce Purse. Action: Americans with Disabilities Act — employment. Attorney: Robert S. Powers. Filed: Nov. 6. Case no. 17-cv-08565.

Distribution Cooperative Network of New York Inc. Filed by Robert L. Lefebvre. Action: tort claim. Attorney: Laura-Michelle Horgan. Filed: Nov. 1. Case no. 7:17-cv-08458-VB.

MRS BPO LLC. Filed by Hirsch Soifer. Action: 1692 Fair Debt Collection Act. Attorney: Daniel Harris Kohn. Filed: Nov. 2. Case no. 7:17-cv-08476VB.

FDR Services Corporation of New York. Filed by the trustees of the Laundry, Dry Cleaning Workers and Allied Industries Retirement Fund, Workers United. Action: E.R.I.S.A.— delinquent contributions. Attorney: David C. Sapp Jr. Filed: Nov. 2. Case no. 7:17-cv-08353-VB.

Proactive Lighting Solutions LLC, et al. Filed by Energy Reduction Assets LLC, et al. Action: diversity action. Attorney: Brendan Markham Goodhouse. Filed: Nov. 3. Case no. 7:17-cv08372-VB.

Gasdick Stanton Early P.A. Filed by Samantha Stephenson. Action: 1692 Fair Debt Collection Act. Attorney: Daniel Zemel. Filed: Nov. 11 Case no. 7:17-cv-08390-CS.

Selip & Stylianou LLP. Filed by Sara Soifer. Action: 1692 Fair Debt Collection Act. Attorney: Daniel Harris Kohn. Filed: Nov. 2. Case no. 7:17-cv08489-KMK.

Purchase College State University of New York. Filed by Valentin Concha. Action: job discrimination (race). Attorney: Nathaniel K. Charny. Filed: Nov. 2. Case no. 7:17-cv-08501-NSR. Ralex Services Inc. d.b.a. Glen Island Center For Nursing and Rehabilitation. Filed by Ann Marie Rosenblum. Action not listed. Attorney: Howard Todd Schragin. Filed: Nov. 6. Case no. 7:17-cv-08584.

Wildey 74 LLC, Lakewood, N.J. Seller: 74 Wildey LLC, Pleasantville. Property: 74 Wildey St., Greenburgh. Amount: $1 million. Filed Nov. 3.

Below $1 million 13 Spring Street LLC, Bronx. Seller: Pauline E. Rockett, Tarrytown. Property: 13 Spring St., Greenburgh. Amount: $160,000. Filed Oct. 31. 2361-63 Hoffman Street Realty LLC, Yonkers. Seller: Michael Pistolesi, et al, White Plains. Property: 35 Lake St., White Plains. Amount: $625,000. Filed Oct. 31. 25 River Street LLC, Tuckahoe. Seller: Sylvia Rizzo, Tuckahoe. Property: 25 River St., Eastchester. Amount: $525,000. Filed Nov. 1. 28G Hillside Inc., Elmsford. Seller: Marc Molloy, White Plains. Property: 28G Hillside Terrace, 85, White Plains. Amount: $289,000. Filed Nov. 2.

355 Mundy LLC. Seller: U.S. Bank N.A. Property: 355 Mundy Lane, Mount Vernon. Amount: $385,000. Filed Nov. 2. 380 Riverdale Realty LLC, Yonkers. Seller: Yonkers Trading LLC, Yonkers. Property: 380 Riverdale Ave., Yonkers. Amount: $950,000. Filed Nov. 1. 510 NY LLC, Bronx. Seller: Charles W. Buhlinger, White Plains. Property: 510 Midland Ave., 3C, Yonkers. Amount: $127,884. Filed Nov. 1. 60 Temple Street LLC, Old Greenwich, Conn. Seller: Raphael Amelio Jr., Harrison. Property: 60 Temple St., Harrison. Amount: $250,000. Filed Nov. 1. AVBDesigns Inc., Elmsford. Seller: Craig Shenkman, et al, Somers. Property: 347A Heritage Hills, Somers. Amount: $245,000. Filed Oct. 30. Bank of America N.A. Seller: Joy Joseph, White Plains. Property: 144 Ravine Ave., 1A, Yonkers. Amount: $204,267. Filed Oct. 31.

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Bank of America N.A. Seller: Peter Howard Tilem, White Plains. Property: 30 Meadow Road, Cortlandt. Amount: $286,140. Filed Nov. 2.

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C2GRE LLC, White Plains. Seller: Andrew Szczesniak, White Plains. Property: 47 Sylvan Place, New Rochelle. Amount: $333,100. Filed Oct. 31.

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CIT Bank N.A. Seller: Carlos D. Calvelo, White Plains. Property: 36 Acker Ave., Ossining. Amount: $573,359. Filed Nov. 1.

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Cornerstone Properties 2016 LLC, Hawthorne. Seller: Henry H. Groth, et al, Ardsley. Property: 96 Ridge Road, Greenburgh. Amount: $660,000. Filed Oct. 31. DB1G LLC, Garden City. Seller: HSBC Bank USA N.A. Property: 17 Lenox Ave., Mount Vernon. Amount: $290,000. File Oct. 31.

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Deutsche Bank National Trust Co. Seller: Ted Novick, White Plains. Property: 11 Todd Place, Ossining. Amount: $760,531. Filed Nov. 3. Elkris Realty LLC, Scarsdale. Seller: 127 North Highland Avenue Inc., Ossining. Property: 127 N. Highland Ave., Ossining. Amount: $689,000. Filed Nov. 1. Federal National Mortgage Association. Seller: Michele L. Bermel, Chappaqua. Property: 42 Palace Place, Rye. Amount: $403,887. Filed Oct. 31.

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NOVEMBER 13, 2017

GOOD THINGS

FAMILY SERVICES PRAISES WOLFF’S SELECTION

Youngsters participating in the STEM event in Mamaroneck.

IONA LEADERSHIP AWARD

LIONS PROMOTING PEACE POSTERS

There was an error in the caption information provided to us for this photo as used in the Oct. 30 issue. Shown from left are: Rick Cole Jr., Iona’s vice president for athletics administration; Joseph J. DePaolo; Sydney Thompson, recipient of the 2017-18 Joseph J. DePaolo Endowed Leadership Award; Scott Shay of Signature Bank; and Nick Cavataro, Iona’s swimming and diving head coach.

The Larchmont, Mamaroneck and New Rochelle Lions Clubs are hosting a poster contest and the Larchmont Lions invited children to take part in a STEM (science, technology, engineering, math) Alliance “Making in Community-For Community Event” at Derecktor Shipyards in Mamaroneck. The Lions International Peace Poster Contest is an annual worldwide competition for 11- to 13-year-olds, encouraging them to express their vision of world peace through art. This year’s theme is “The Future of Peace.” Last year’s contest had more than 600,000 entries. This year’s international winner will be announced at a United Nations event next spring, honoring the Lions on their centennial year. The Larchmont, Mamaroneck and New Rochelle Lions Clubs are conducting the contest in cooperation with Sts. John & Paul School, Rye Neck School, The French-American School and Albert Leonard Middle School. A winning poster from each school will be selected by a panel of judges. The winning posters will advance to the international competition.

Port Chester-based Family Services of Westchester is expressing its pride in the selection of one of its board members for the Westchester County Senior Citizen Hall of Fame. He’s Nicholas Wolﬀ, known to many in the county for his community service as well as his real estate businesses. Wolff was selected by a panel of judges appointed by Westchester County’s Department of Senior Programs and Services. He will join 69 other seniors and County Executive Robert P. Astorino at an induction ceremony scheduled for Dec. 1 at the Westchester Marriott Hotel in Tarrytown. In its 35th year, the Senior Citizen Hall of Fame recognizes community members who have exemplified the true spirit of service. Wolff joined Family Services board of directors more than a decade ago. Wolff is a past president of the Rotary Club of White Plains and has served on the board for the White Plains Child Day Care Center, United Way, the White Plains Library Association and Friends of the White Plains Public Schools.

From left: William Porter, the Rev. Mark Connell, Julie Pipolo and Joseph Sperduto.

A 100TH BIRTHDAY AT THE BRISTAL

SAN MIGUEL ACADEMY BESTOWS HONORS At the Westchester Country Club in Rye on Oct. 26, the San Miguel Academy of Newburgh held its “Defying the Odds” dinner and honored benefactors who give their time as well as funds. The academy is a tuition-free school serving 68 at-risk boys, grades 5 through 8. It relies on contributions and does not receive funding from the New York Archdiocese or the state. Its graduates go on to high school and, in most cases, college. Recipients of the academy’s Impact Awards were: Gary Dulanski, president of The Dulanski Group in Purchase and his wife, Helena, who live in Chappaqua; William Porter of Sleepy Hollow, who is also director of admissions for the Harvey School in Katonah; Julie Pipolo of Newburgh, owner of the skincare salon SkinWestchester; and Joseph Sperduto of White Plains, of the White Plains-based CPA firm Sperduto Spector & Company. Rev. Mark Connell, executive director of the school, said, “Without their selfless work, and that of so many others, all of these young men would not be defying the odds stacked against them. I thank the entire Westchester, Fairfield and Orange county communities for their ongoing support of both time and money.”

NOVEMBER 13, 2017

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From left: Andrea Stewart-Cousins, Robert P. Astorino, Leslie Gordon, PepsiCo Foundation Vice President Sue Norton and Tom Roach.

‘FEED A FAMILY’ CAMPAIGN KICKOFF The Food Bank for Westchester launched its second annual “Feed a Family” campaign with an announcement at the White Plains Public Library, one of its mobile food pantry sites. The goal is to raise funds to provide 2,000 holiday meals for Westchester families. The cost per meal is $25. Instead of just being limited to Thanksgiving, the meals will be offered throughout the holiday season. Leslie Gordon, the food bank’s president and CEO, said, “Everyone deserves a nutritious meal this holiday season and together with the community’s support, we can help ‘feed families.’” Westchester County Executive Robert P. Astorino, state Sen. Andrea Stewart-Cousins and White Plains Mayor Tom Roach were among those on hand. They joined with others in handing out turkeys, chickens and other holiday meal ingredients to more than 100 individuals.

Oct. 21 was a day for celebration at The Bristal Assisted Living at Armonk. That’s when one of its residents, May Stein, celebrated her 100th birthday. Born on Oct. 21, 1917, Stein lived in Brooklyn prior to her move to Armonk. She had completed a successful career as a teacher of third-grade students. She has two children, four grandchildren and four great-grandchildren. North Castle Councilwoman Barbara DiGiacinto, Stein’s son Norman and executives from The Bristal were among those who gathered to celebrate.

DATES HAPPENING ROSE HONORED BY TRADE GROUP

From left: Westchester Jewish Community Services COO Bernie Kimberg; WJCS board President Neil Sandler; Kevin Plunkett; Pat Lemp, Alan Trager; Assemblyman David Buchwald; Liane Nelson and Michael Orth, acting commissioner, Westchester County Department of Community Mental Health.

One of the Pocket Ranger app’s pages.

CALLING ALL PARKS USERS

Be sure to bring your smartphone when you set off to explore Westchester’s parks, but don’t forget to install the free Westchester County Parks Pocket Ranger app. The Westchester Parks Foundation recently received a $24,000 grant from Con Edison to help with continued funding for the app, which was launched in 2013 and received initial grants from Fujifilm and Verizon. Joanne Fernandez, foundation chairperson, said, “So many families in our county use the Pocket Ranger to navigate through the 18,000 acres of parks, trails and open spaces, so it is a useful resource in our community.” Pocket Ranger is the first mobile app of its kind for a county park east of the Mississippi. Among the features are GPS positioning, a calendar of events, search features and weather alerts. To download the app, visit iTunes or Android Market.

From left, Andrea Stewart-Cousins, Marvin Krislov and Johnnetta Cole.

KRISLOV BECOMES PACE PRESIDENT Marvin Krislov was inaugurated as the eighth president of Pace University during a ceremony held in the Goldstein Health and Fitness Center on Pace’s Pleasantville campus. Representatives of more than 50 U.S. colleges and universities joined Pace faculty, students and alumni in representing the academic community. In his speech, Krislov said, “We must embrace challenges while holding fast to our core values. We will change lives and educate our future leaders from every segment of our society. We will continue to make the American dream a reality for our students.” Among the other speakers were state Sen. Andrea Stewart-Cousins who is a Pace alumna and Johnnetta Cole, who had been the first African-American female president of Spelman College and was director of the Smithsonian Institution’s National Museum of African Art. Stephen J. Friedman, past president of Pace, presented the Presidential Medallion to Krislov.

Jonathan F.P. Rose, president of Rose Companies. LLC, which has offices in Katonah and Stamford as well as New York City, Albuquerque, Seattle and Denver, was named as the first member of the Multifamily Executive Hall of Fame at the annual MFE Awards ceremony held recently in Las Vegas. The awards honor developers of multifamily housing. Rose has deep roots in Westchester. His company has worked on projects in White Plains, Mamaroneck, Pocantico Hills and elsewhere. Rose was born in New Rochelle and raised in Scarsdale. In addition to the Hall of Fame recognition for Rose himself, Jonathan Rose Cos. received a 2017 Multifamily Executive Award in the community service category for its work on Squire Village in Manchester, Connecticut. One of Connecticut’s largest subsidized housing developments, the 379-unit property was acquired by Rose and institutional partners in May 2016. A multimillion-dollar renovation program, included installation of solar roofs and a freestanding, 7,000-square foot community center.

FOUNDATION DONATES TO CHILDREN’S VILLAGE Some of the youngsters at The Children’s Village in Dobbs Ferry recently took a few minutes away from classes and their other responsibilities to pose for a picture with representatives of the Hudson Gateway Realtor Foundation. They were visiting the campus to present the organization with a $2,500 donation in support of its work. Each year, The Children’s Village serves more than 10,000 at-risk children and their families. Programs include short-term residential programs, shelters, street outreach, foster and adoptive homes, a community center in Harlem, programs for youth involved with the juvenile justice system and a host of family support services.

WJCS RENAMES TREATMENT CENTER Westchester Jewish Community Services (WJCS) has announced a new name for its Treatment Center for Trauma and Abuse. The center now is called the Trager Lemp Center: Treating Trauma and Promoting Resilience. Its renaming was made possible by an anonymous gift. The center is named after the first two directors who launched and advanced its work: WJCS CEO Alan Trager and Pat Lemp, the organization’s assistant executive director of clinical services. The current director of the center is Liane Nelson, chief psychologist for WJCS. The center was created in 1982 and was a pioneer in bringing the issue of child abuse out of the shadows so it can be dealt with properly and effectively. During a renaming event, Deputy County Executive Kevin Plunkett presented WJCS with a proclamation on behalf of Westchester County.

Marie Spencer, left, reviews nursing quality indicators with Stephanie Campbell, Burke’s assistant director of nursing.

BURKE RECEIVES NURSING AWARD Burke Rehabilitation Hospital in White Plains has been awarded the 2017 National Database of Nursing Quality Indicators Award for Outstanding Nursing Quality by Press Ganey, a health care research and analysis firm. The award is given to the top-performing organization across 17 quality measures in each of seven categories: academic medical center, teaching hospital, community hospital, pediatric hospital, rehabilitation hospital, psychiatric hospital and international. Marie Spencer, a vice president and the chief nursing officer at Burke, said, “This award is a testament to the dedication, commitment and compassion of our nursing staff. As an award winner in 2011 and 2017, Burke nurses have demonstrated their ongoing commitment to patient safety and outcomes.”

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

WCBJ

NOVEMBER 13, 2017

FACTS

WEST HARRISON, 40 Underhill Place. Two-family residence; lot size: N/A. Plaintiff: Frenkel, Lambert, Weiss, Weisman & Gordon, 631-9693100; 53 Gibson St., Bay Shore 11706. Defendant: Judith Mandujano-Cari. Referee: Christopher Meagher. Sale: Nov. 13, 9:15 a.m. Approximate lien: $774,592.09.

ARDSLEY, 630 Ashford Ave. Single-family residence; lot size: .1 acre. Plaintiff’s attorney: Gross Polowy LLC, 716-204-1700; 1775 Wehrle Drive, Williamsville 14221. Defendant: Michelle Muse. Referee: Francis Malara. Sale: Nov. 20, 10 a.m. Approximate lien: $1,839,687.46.

MOUNT VERNON, 240 Tecumseh Ave. Single-family residence; lot size: .11 acre. Plaintiff: Residential Credit Solutions. Plaintiff’s attorney: RAS Boriskin, 516-280-7675; 900 Merchants Concourse, Westbury 11590. Defendant: Nadine Heron. Referee: Ian Spier. Sale: Nov. 15, 10:30 a.m. Approximate lien: N/A.

WHITE PLAINS, 44 Richbell Road. Single-family residence; lot size: N/A. Plaintiff: Deutsche Bank National Trust Co. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Jose Rodriguez. Referee: N/A. Sale: Nov. 14, noon. Approximate lien: $653,277.26.

BEDFORD, 19 Westfield Road. Single-family residence; lot size: 4.2 acre. Plaintiff: U.S. Bank National Association. Plaintiff’s attorney: Sheldon May & Associates, 516-763-3200; 255 Merrick Road, Rockville Centre 11570. Defendant: Jonathan Paul Williams. Referee: Anthony Centone. Sale: Dec. 4, 9:30 a.m. Approximate lien: $3,851,881.39.

MOUNT VERNON, 322 S. Third Ave. Two-family residence; lot size: 1 acre. Plaintiff: Bayview Loan Servicing LLC. Plaintiff’s attorney: Stein, Weiner & Roth, 516-742-1212; 1 Old Country Road, Suite 113, Carle Place 11514. Defendant: Jeromio Edwards. Referee: Linda Markowitz. Sale: Nov. 14, 10 a.m. Approximate lien: $407,137.38.

YONKERS, 9 Floral Lane. Singlefamily residence; lot size: .08 acre. Plaintiff: The Bank of New York Mellon. Plaintiff’s attorney: Woods Oviatt Gilman LLP, 585-987-2800; 700 Crossroads Building, 2 State St., Rochester 14614. Defendant: Susan Caras. Referee: Julia Henrichs. Sale: Nov. 16, 9:30 a.m. Approximate lien: $304,299.93.

ELMSFORD, 47 S. Stone Ave. Twofamily residence; lot size: .12 acre. Plaintiff: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Aracely Delgado. Referee: Joseph Maria. Sale: Nov. 20, 9 a.m. Approximate lien: $859,618.71.

NEW ROCHELLE, 9 the Court. Single-family residence; lot size: .51 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff’s attorney: Woods Oviatt Gilman LLP, 585-9872800; 700 Crossroads Building, 2 State St., Rochester 14614. Defendant: Maureen Webb. Referee: Julia Henrichs. Sale: Nov. 14, 9 a.m. Approximate lien: $430,299.09.

YONKERS, 42 Elissa Lane. Twofamily residence; lot size: 08 acre. Plaintiff: McCabe, Weisberg & Conway PC, 914-636-8900; 145 Huguenot St., Suite 401, New Rochelle 10801. Defendant: Kenny Morales. Referee: Judith Rearden. Sale: Nov. 15, 9:30 a.m. Approximate lien: $588,035.07.

Willow Place Gardens LLC, Brooklyn. Seller: Leonard Burg, et al, Mount Vernon. Property: 463 Seventh Avenue South, Mount Vernon. Amount: $90,000. Filed Nov. 2.

Global Real Estate USA Inc., New York City. Seller: Pasquale Pilenza, et al, Eastchester. Property: 17 Knollwood Road, Eastchester. Amount: $850,000. Filed Nov. 3.

FORECLOSURES

Immobiliare Assets LLC, South Salem. Seller: Robert J. Kaplan, et al, Yorktown Heights. Property: 9 Tompkins Road, Somers. Amount: $250,000. Filed Nov. 1. Immobiliare Assets LLC, West Harrison. Seller: Edward P. Isakson, Ossining. Property: 8 Duers Court, Ossining. Amount: $225,900. Filed Nov. 2. M&T Bank. Seller: Kenneth L. Bunting, White Plains. Property: 22 Winthrop Lane, Greenburgh. Amount: $800,000. Filed Oct. 30. MJD Contracting Corp., Jefferson Valley. Seller: Virginia Strong, Yonkers. Property: 872 Taconic Woods Road, Yorktown. Amount: $126,500. Filed Oct. 31. MTGLQ Investors LP. Seller: Jay B. Hashmall, White Plains. Property: 27 Robertson Ave., Greenburgh. Amount: $568,504. Filed Nov. 2. PennyMac Loan Services LLC, Westlake Village, Calif. Seller: Joseph A. Maria, White Plains. Property: 17 Eighth Avenue South, Mount Vernon. Amount: $707,742. Filed Oct. 30. Sharp Enterprises LLC, Mount Vernon. Seller: Nationstar Mortgage LLC. Property: 150 S. Sixth Ave., Mount Vernon. Amount: $207,074. Filed Oct. 31. The Bank of New York Mellon. Seller: Reverse Mortgage Solutions Inc. Property: 10 Longdale Ave., Greenburgh. Amount: $13,050. Filed Oct. 30. U.S. Bank N.A. Seller: Gary Rikoon, Yorktown Heights. Property: 72 Bleloch Ave., Peekskill. Amount: $843,859. Filed Nov. 2. U.S. Bank N.A. Seller: Thomas F. Cathcart, Hartsdale. Property: 629 South St., Peekskill. Amount: $140,000. Filed Oct. 31. U.S. Bank Trust N.A. Seller: Richard A. Glickel, West Nyack. Property: 4 Charles St., White Plains. Amount: $604,601. Filed Oct. 30.

HARTSDALE, 40 S. Washington Ave. Single-family residence; lot size: .25 acre. Plaintiff: Citibank National Association. Plaintiff’s attorney: Gross Polowy LLC, 716-204-1700; 1775 Wehrle Drive, Williamsville 14221. Defendant: Jin Yang. Referee: David Gelfarb. Sale: Nov. 20, 9:15 a.m. Approximate lien: $922,716.17. KATONAH, 13 Fisher Lane. Singlefamily residence; lot size: .4 acre. Plaintiff: HSBC Bank USA National Association. Plaintiff’s attorney: Leopold & Associates PLLC, 914-219-5787; 80 Business Park Drive, Armonk 10504. Defendant: Bruno Decaudin. Referee: John Sarcone. Sale: Nov. 17, 10 a.m. Approximate lien: $793,986.25. MOUNT KISCO, 39 Weavers Hill. Single-family residence; lot size: .01 acre. Plaintiff: Nationstar Mortgage LLC. Plaintiff’s attorney: Gross Polowy LLC, 716-204-1700; 1775 Wehrle Drive, Williamsville 14221. Defendant: Grace Sims. Referee: Joseph Ruggiero. Sale: Nov. 20, 10 a.m. Approximate lien: $584,835.92. MOUNT VERNON, 59 Oak St. Twofamily residence; lot size .05 acre. Plaintiff: U.S. Bank National Association. Plaintiff’s attorney: RAS Boriskin, 516-280-7675; 900 Merchants Concourse, Westbury 11590. Defendant: Monica Douse. Referee: Julie Cherico. Sale: Nov. 20, 10 a.m. Approximate lien: N/A.

United Nations Federal Credit Union, Long Island City. Seller: John G. Molloy, Somers. Property: 138 Sprout Brook Road, Cortlandt. Amount: $165,000. Filed Nov. 2.

NOVEMBER 13, 2017

FIGURES

MOUNT VERNON, 146 South Sixth Ave. Two-family residence; lot size: .12 acre. Plaintiff: Federal National Mortgage Association. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 877-759-1835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Andrea Peart. Referee: Ryan Karben Sale: Nov. 14, 9:30 a.m. Approximate lien: $455,609.08.

Global Real Estate USA Inc., New York City. Seller: Chun Chen, et al, Scarsdale. Property: 536 Tompkins Ave., Rye. Amount: $725,000. Filed Nov. 3.

HSBC Bank USA N.A. Seller: Denis Krolian, White Plains. Property: 617 Woodland Hills Road, Greenburgh. Amount: $356,995. Filed Nov. 1.

WCBJ

OSSINING, 75 Underhill Road. Single-family residence; lot size: .38 acre. Plaintiff: JPMorgan Chase Bank National Association. Plaintiff’s attorney: Shapiro, DiCaro & Barak, 877-7591835; 175 Mile Crossing Blvd., Rochester 14624. Defendant: Gloria Sanchez. Sale: John Sarcone. Sale: Nov. 20, 10 a.m. Approximate lien: $610,386.10. PEEKSKILL, 504 Mallard Way. Single-family residence; lot size: .14 acre. Plaintiff: Deutsche Bank National Trust Co. Plaintiff’s attorney: Leopold & Associates PLLC, 914-219-5787; 80 Business Park Drive, Armonk 10504. Defendant: Wellington Beheran. Referee: Frank Malara. Sale: Nov. 20, 9:30 a.m. Approximate lien: $349,103.60. PLEASANTVILLE, 23 Old Farm Road South. Single-family residence; lot size: 1.41 acre. Plaintiff: Wells Fargo Bank National Association. Plaintiff’s attorney: Rosicki & Rosicki & Associates, 845-897-1600; 2 Summit Court, No. 301, Fishkill 11254. Defendant: Mario Finkbiner. Referee: Charles D’Agostino. Sale: Nov. 16, 10 a.m. Approximate lien: $785,243.51. PORT CHESTER, 37 Francis Lane. Single-family residence; lot size: .26 acre. Plaintiff: U.S. Bank National Association. Plaintiff’s attorney: RAS Boriskin, 516-280-7675; 900 Merchants Concourse, Westbury 11590. Defendant: Bernardo Fernandez. Referee: Joseph Ruggiero. Sale: Nov. 20, 9:45 a.m. Approximate lien: N/A.

YONKERS, 81 Madison Ave. Twofamily residence; lot size: .11 acre. Plaintiff: Citibank National Association. Plaintiff’s attorney: Jeffrey Kosterich & Associates, 914-395-0055; 68 Main St., Tuckahoe 10707. Defendant: Badusha Redzeposki. Referee: Julie Cherico. Sale: Nov. 20, 10 a.m. Approximate lien: $120,765.43. YONKERS, 111 Hoover Road. Single-family residence; lot size: .09 acre. Plaintiff: Fremont Investments & Loan. Plaintiff’s attorney: McCabe, Weisberg & Conway PC, 914-6368900; 145 Huguenot St., Suite 401, New Rochelle 10801. Defendant: Kim Traub. Referee: Theodore Brundage. Sale: Nov. 15, 9:45 a.m. Approximate lien: $492,232.03.

JUDGMENTS Daniel Florals and Events Inc., Port Chester. $10,798 in favor of J. Merullo Imports Inc., Plainview. Filed Nov. 2. M.C. Landscape Group Inc., Mamaroneck. $4,313 in favor of Durso Trucking Services Inc., Congers. Filed Nov. 2. Makan Land Development-One LLC, Harriman. $5,528 in favor of Consolidated Edison Co., New York. Filed Oct. 31. Northeast Diving Services, North Salem. $2,565 in favor of Mark Warren Electric Sales. Filed Oct. 31.

LIS PENDENS The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. Any unknown heirs to the estate of Margaret Magnuson, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $498,550 affecting property located at 2 Greenwood Lane, Valhalla 10595. Filed Sept. 27. Applewhite, Anderson, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $480,000 affecting property located at 47 Eighth Ave., Mount Vernon 10550. Filed Sept. 26. Avila, Monica, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $375,891 affecting property located at 43 Dogwood Road, Cortlandt Manor 10567. Filed Sept. 27. Castillo, Winston, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $435,372 affecting property located at 33 Woodbine St., Yonkers 10704. Filed Sept. 27.

Heyman, Alan H., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $624,000 affecting property located at 436 Pleasantville Road, Briarcliff Manor. Filed Sept. 28. Koller, Marlaina, et al. Filed by Carrington Mortgage Services LLC. Action: seeks to foreclose on a mortgage to secure $273,100 affecting property located at 222 Gailmore Drive, Yonkers 10710. Filed Sept. 26. Leader, Jeffrey, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $1.3 million affecting property located at 69 West Lane, Pound Ridge 10576. Filed Sept. 29. Lopez, Sergio, et al. Filed by CIT Bank N.A. Action: seeks to foreclose on a mortgage to secure $815,000 affecting property located at 56 Northfield Road, New Rochelle 10804. Filed Sept. 29. Malinari, Agnes G., et al. Filed by Credit Suisse First Boston Mortgage Securities Corp. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 18 Laurel Road, Pound Ridge 10576. Filed Sept. 28.

Catarella, Robert, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 98 Paulding Place, Chappaqua 10514. Filed Sept. 27.

Mew, Ian D., et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 106 Hutchinson Blvd., Mount Vernon 10552. Filed Sept. 28.

Esquivel, Jose M., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $279,000 affecting property located at 43 Emmett Terrace, New Rochelle 10805. Filed Sept. 28.

Mogrovejo, Walter, et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $388,430 affecting property located at 21 Jefferson Ave., White Plains 10606. Filed Sept. 29.

Gangemi, Gloria, et al. Filed by Ocwen Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 12 Shelly Ave., Hartsdale 10530. Filed Sept. 26.

Munro, Alice, et al. Filed by Reverse Mortgage Solutions Inc. Action: seeks to foreclose on a mortgage to secure $261,609 affecting property located at 415 E. Prospect Ave., Mount Vernon 10553. Filed Sept. 26.

Garguilo, Ellen M., et al. Filed by Live Well Financial Inc. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 7 Southgate Drive, Cortlandt Manor 10567. Filed Sept. 29.

Public administrator of Westchester County as temporary public administrator to the estate of Frances Olga Ferris, et al. Filed by Nationstar HECM Acquisition Trust 2016-3. Action: seeks to foreclose on a mortgage to secure $544,185 affecting property located at 54 Narragansett Ave., Ossining 10562. Filed Sept. 28.

Graham, Johanna, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $350,000 affecting property located at 60 S. Fifth Ave., Mount Vernon 10550. Filed Sept. 28. Harvey, Lilieth A., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $399,750 affecting property located at 15 Liberty Ave., New Rochelle 10801. Filed Sept. 27.

Rainone, Joseph, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $499,000 affecting property located at 25 Highland Ave., New Rochelle 10801. Filed Sept. 28. Rosario, Kimberly Wilkes, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 437 Old Tarrytown Road, White Plains 10603. Filed Sept. 26.

FACTS Ryan, John J., et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $161,500 affecting property located at 16-3 Club Court, Ossining 10562. Filed Sept. 26. Tapia, Jiddu, et al. Filed by Wells Fargo USA Holdings Inc. Action: seeks to foreclose on a mortgage to secure $361,440 affecting property located at 34 Winchester Ave., Peekskill 10566. Filed Sept. 29. Thime, Audrey M., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 36 Riverdale Ave., Port Chester 10573. Filed Sept. 28. Velardo, Michael, et al. Filed by PCSB. Action: seeks to foreclose on a mortgage to secure $300,000 affecting property located at 6 Apple Farm Road, New Castle. Filed Sept. 28. Wilson, Carolyn, et al. Filed by Carrington Mortgage Services LLC. Action: seeks to foreclose on a mortgage to secure $280,726 affecting property located at 77 Lorraine Terrace, Apt. 335B, Mount Vernon 10553. Filed Sept. 29. Zellner, Barbara S., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $635,000 affecting property located at 2 Turner Drive, Chappaqua 10514. Filed Sept. 28.

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

Doing Business As Ad Infinitum Inc., d.b.a. Calendar Warehouse, 121 Trenor Drive, New Rochelle 10804. Filed Sept. 1. All Surface Cleaning and Restoration Corp., d.b.a. Ceiling Solutions, 87-35 81 Ave., Glendale 11385. Filed Sept. 1. Anticipate Technology Solutions Inc., d.b.a. Teamlogic IT No. 63207, 75 S. Broadway, Suite 400, White Plains 10601. Filed Sept. 1. C and C 888 Inc., d.b.a. Elmsford Wine and Spirits, 111 E. Main St., Elmsford 10523. Filed Sept. 1. Compass Group USA Inc., d.b.a. Champion Vending USA, 50 Seaview Blvd., Port Washington 11050. Filed Sept. 1. Davie Goldie Fences Inc., d.b.a. Dave’s Fences, 3 Pine Ave., Ossining 10562. Filed Sept. 1.

Gabroe Corp., d.b.a. 360 Degrees Café, 45 Rogers Drive, New Rochelle 10804. Filed Sept. 1. JB Kind Corp., d.b.a. Kind Rider, 121 King St., Unit 2, Chappaqua 10514. Filed Sept. 1. NYC Oil Corp., d.b.a. Waste Harvest, 233 Washington St., Mount Vernon 10553. Filed Sept. 1. Pearl Electric Inc., d.b.a. Etricity L.V. Solutions, 72 E. Main St., New Rochelle 10801. Filed Sept. 1. Zafar Zaidi Memorial Society Inc., d.b.a. Zafar Zaidi Memorial Cultural Society, 128 Mansion Ave., Yonkers 10704. Filed Sept. 1.

Sole Proprietorships Central AP and S, 16 Marble Ave., Pleasantville 10570, c/o Donna Towers. Filed Aug. 31. Denis Tangney Custom Carpentry, 233 Elwood Ave., Hawthorne 10532, c/o Denis Tangney. Filed Aug. 31. Frank’s Asset Recovery, 100 The Crossway, Yonkers 10701, c/o Francesco Pellegrino. Filed Sept. 1. Gabriel Scavello Painting, 356 Columbine Court, Yorktown Heights 10598, c/o Gabriel Scavello. Filed Sept. 1. Hudson Corn and Lemonade, 563 S. Broadway, No. 2G, Yonkers 10705, c/o Carmen Perez. Filed Aug. 31. Janati Fine Antique Rugs, 22 Hillside Terrace Road, White Plains 10601, c/o Mehrvash Janati. Filed Aug. 31. Serrano and Family Contractor, 50 Otsego St., Yonkers 10704, c/o Angelo Serrano. Filed Aug. 31. Three R’s Cars, 2292 Crompond Road, Cortlandt Manor 10567, c/o Robby R. Teichman. Filed Sept. 1.

PATENTS Adjustable computing component rack. Patent no. 9,814,155 issued to Aaron R. Cox, Tucson, Ariz.; Jason E. Minyard, Phoenix, Ariz.; Camillo Sassano, Durham, N.C.; and Kevin L. Schultz, Raleigh, N.C. Assigned to International Business Machines Corp., Armonk. Allocating distributed storage and task execution resources. Patent no. 9,813,501 issued to Ahmad Alnafoosi, Streamwood, Ill. Assigned to International Business Machines Corp., Armonk.

FIGURES

Assessment of best-fit cloud deployment infrastructures. Patent no. 9,813,318 issued to Ilyas Iyoob, Pflugerville, Texas; and Aaron Michael Yan, Austin, Texas. Assigned to International Business Machines Corp., Armonk.

Below $1 million

Angell, Isaac M., et al, as owner. Lender: Bank of Millbrook. Property: in Stanford. Amount: $200,000. Filed Oct. 31.

10 Lookout Trail LLC, Spring Valley. Seller: Vicente Morales, et al, Wales, Fla. Property: in Blooming Grove. Amount: $40,000. Filed Oct. 27.

Broadcast notification using social networking systems. Patent no. 9,813,457 issued to John Ham, San Francisco, Calif.; and Matthew Schlicht, San Francisco, Calif. Assigned to International Business Machines Corp., Armonk.

Dunn, Devin P., et al, Gardiner, as owner. Lender: Walden Savings Bank, Montgomery. Property: in Gardiner. Amount: $344,250. Filed Oct. 27.

1105 Route 28 LLC, Hopewell Junction. Seller: Drake Petroleum Company Inc., Waltham, Ma. Property: in Woodstock. Amount: $100,000. Filed Oct. 30.

Coordination of video and/or audio recording. Patent no. 9,813-748 issued to Kelly Abuelsaad, Somers; Gregory J. Boss, Saginaw, Mich.; Soobaek Jang, Hamden, Conn.; and Randy A. Rendahl, Raleigh, N.C. Assigned to International Business Machines Corp., Armonk. Method and system for secure document exchange. Patent no. 9,813,388 issued to Heather Maria Hinton, Austin, Texas; and Ivan Matthew Milman, Austin, Texas. Assigned to International Business Machines Corp., Armonk. Printed circuit-board edge connector. Patent no. 9,814,140 issued to Brian Samuel Beaman, Apex, N.C. Assigned to International Business Machines Corp., Armonk. Roaming instant messaging. Patent no. 9,813,511 issued to Christina M. Cruz, Mableton, Ga.; Charles B. Price Jr., Decatur, Ga.; and Van Staub, Smyrna, Ga. Assigned to International Business Machines Corp., Armonk. Tracking messages in a mentoring environment. Patent no. 9,813,369 issued to Stella Lee Taylor, Armonk. Assigned to International Business Machines Corp., Armonk. Trust-based computing resource authorization in a networked computing environment. Patent no. 9,813,423 issued to Kelly Abuelsaad, Poughkeepsie; Lisa Seacat DeLuca, San Francisco, Calif.; Soobaek Jang, Hamden, Conn.; and Daniel C. Krook, Fairfield, Conn. Assigned to International Business Machines Corp., Armonk

EXR LLC, as owner. Lender: RS Lending Inc., San Francisco, Calif. Property: 72 Hudson St., Port Jervis 12771. Amount: $35,712. Filed Nov. 6. Gasparro, Natasha L., Highland, as owner. Lender: Mid-Hudson Valley Federal Credit Union, Kingston. Property: 88 New Paltz Road, Lloyd. Amount: $80,000. Filed Nov. 2. Jolly, James, Kerhonkson, as owner. Lender: Sawyer Savings Bank, Saugerties. Property: 68 VanTine Road, Kerhonkson 12446. Amount: $357,000. Filed Oct. 30. JRKB Properties LLC, Pine Bush, as owner. Lender: Walden Savings Bank, Montgomery. Property: in Crawford. Amount: $250,000. Filed Nov. 1. Lagrutta, Joseph, Newburgh, as owner. Lender: Walden Savings Bank, Montgomery. Property: 39 Bay View Terrace, Newburgh. Amount $212,500. Filed Nov. 2. Schmidt, Erik Arthur, et al, as owner. Lender: Ulster Savings Bank. Property: in Red Hook. Amount: $436,000. Filed Nov. 1. Valentine, Christian, Sugar Loaf, as owner. Lender: Walden Savings Bank, Montgomery. Property: in Minisink. Amount: $125,000. Filed Nov. 1. Walson LLC, Howard Beach, as owner. Lender: Patch of Land Lending LLC, Los Angeles, Calif. Property: 33 Robin Drive, Middletown 10940. Amount: $71,000. Filed Nov. 6.

DEEDS

HUDSON VALLEY

Above $1 million

BUILDING LOANS

30-32 Vassar Road LLC, Poughkeepsie. Seller: Arslanian Isbirian Realty Co., et al, Poughkeepsie. Property: 26 and 30-32 Vassar Road, Poughkeepsie. Amount: $1.6 million. Filed Oct. 27.

Above $1 million DMS Consolidators Ltd., as owner. Lender: Mahopac Bank. Property: in Beacon. Amount: $8.2 million. Filed Oct. 30.

ML Hotel Property LLC, New York City. Seller: ML Lodge LP, Greenwich, Conn. Property: 3110 Route 44/55, Gardiner. Amount: $2.1 million. Filed Oct. 30.

1251 Kings Highway LLC, Chester. Seller: Ruth W. Laroe, et al, Naples, Fla. Property: 1251 Kings Highway, Chester. Amount: $670,000. Filed Oct. 26. 180 Developers LLC, Ellenville. Seller: Congregation Woodridge Kollel, Woodridge. Property: in Ellenville. Amount: $119,000. Filed Oct. 26. 19 Jimal Drive LLC, Monsey. Seller: The Bank of New York Mellon. Property: 19 Jimal Drive, Middletown 10940. Amount: $65,000. Filed Oct. 30. 217-219A First Street LLC, Lakewood, N.J. Seller: Circle Manor Apartments Inc., Paramus, N.J. Property: 217, 219, and 219A First St., Newburgh. Amount: $330,000. Filed Oct. 30. 230 Schunnemunk LLC, Highland Mills. Seller: Robert Bertolotti, et al, Highland Mills. Property: in Woodbury. Amount: $575,000. Filed Oct. 23. 33 Lutheran LLC, Monroe. Seller: GKC Associates, Newburgh. Property: 33 Lutheran St., Newburgh 12550. Amount: $95,000. Filed Oct. 25. 49 Walnut LLC, Chester. Seller: Joseph P. Kavalam, et al, Montgomery. Property: in Montgomery. Amount: $285,000. Filed Oct. 30. 613 New Hampton LLC, Greenvale. Seller: Salvatore A. Pistone, et al, Milford, Pa. Property: in Wawayanda. Amount: $437,500. Filed Oct. 23. 63 Woodbury LLC, Highland Mills. Seller: Westlake Services LLC, Los Angeles, Ca. Property: 63 Woodbury Road, Highland Mills 10930. Amount: $290,000. Filed Oct. 23. 76 Champlin LLC, Hyde Park. Seller: Deutsche Bank National Trust Co. Property: 20 Washington St., Middletown 10940. Amount: $111,000. Filed Oct. 24. 770 Development LLC, Greenvale. Seller: County of Ulster, Kingston. Property: Country Club Road, Wawarsing. Amount: $4,052. Filed Oct. 30. 81 Liberty LLC, Newburgh. Seller: John C. Powell, et al, Newburgh. Property: 79-81 Liberty St., Newburgh. Amount: $120,000. Filed Oct. 23.

Advantage Enterprises LLC, Long Island City. Seller: Peter L. Austin, Waldwick, N.J. Property: in Harriman. Amount: $100,000. Filed Oct. 30. ARC and Meridian LLC, New Paltz. Seller: Lucinda Wells, Saugerties. Property: in Saugerties. Amount: $265,000. Filed Oct. 30. Ascanga Realty Corp., Hopewell Junction. Seller: State of New York Mortgage Agency, New York City. Property: 19A Carnaby St., Unit 19A, Wappinger 12590. Amount: $50,000. Filed Oct. 31. Autom Properties LLC. Seller: Nationstar HECM Acquisition Trust 20165-1. Property: 76 Hulse Ave., Middletown 10940. Amount: $52,000. File Oct. 25. Beauty Barn Hair Studio LLC, Marlboro. Seller: HZ Realty Inc., Newburgh. Property: 293 Windsor Highway, New Windsor. Amount: $270,000. Filed Oct. 25. Cool Farm House LLC, Brooklyn. Seller: Michelle Marie Le Pouezat, Sunnyside. Property: in Shandaken. Amount: $158,000. Filed Nov. 1. Correymeela LLC, Crownsville, Md. Seller: Robert F. Barringer, et al, Olivebridge. Property: in Olive. Amount: $300,000. Filed Nov. 1. Deerpark Partners LLC, Port Jervis. Seller: Bayview Loan Servicing LLC, Coral Gables, Fla. Property: 25 Barcelow St., Port Jervis 12771. Amount: $39,900. Filed Oct. 23. Deutsche Bank National Trust Co. Seller: Frank A. Lombardi, Middletown. Property: 123 Blake Road, Maybrook 12543. Amount: $178,197. Filed Oct. 23. Deutsche Bank National Trust Co. Seller: George Lithco, Walden. Property: 129 S. Plank Road, Newburgh 12550. Amount: $164,93. Filed Oct. 30. Deutsche Bank National Trust Co. Seller: Joseph Steffy, Newburgh. Property: 48 Millpond Road, Mount Hope 10963. Amount: $360,705. Filed Oct. 23. Deutsche Bank National Trust Co. Seller: Judith Lubinsky, Goshen. Property: 31 Greencrest Road, Goshen 10924. Amount: $995,260. Filed Oct. 30. Deutsche Bank National Trust Co. Seller: Mary Z. Raleigh, Warwick. Property: 404 Concord Lane, Middletown 10940. Amount: $120,499. Filed Oct. 26. Deutsche Bank National Trust Co. Seller: Ralph L. Puglielle Jr., New Windsor. Property: 40 Maple Ave., Chester 10918. Amount: $544,020. Filed Oct. 23.

WCBJ

NOVEMBER 13, 2017

FACTS Deutsche Bank National Trust Co. Seller: Ronald Salvato, Goshen. Property: 11 Greenway Terrace, Middletown 10941. Amount: $322,608. Filed Oct. 23. Diplomat Property Manager LLC. Seller: Martin Hersh, Liberty. Property: 27 Paradise Hill, Mountainville 10953. Amount: $193,463. File Oct. 23. E-Ville Properties II Ltd., Nanuet. Seller: Canal Street Ellenville LLC, Ellenville. Property: in Wawarsing. Amount: $48,500. Filed Nov. 2. East Coast Investors International LLC, Monroe. Seller: Christopher Montevirgen, et al, Goshen. Property: 330 Round Lake Terrace, Monroe 10950. Amount: $107,000. Filed Oct. 26. EGDG Realty Holdings LLC, Bronxville. Seller: Deutsche Bank National Trust Co. Property: 31 Greencrest Road, Goshen 10924. Amount: $260,925. Filed Oct. 30. EGDG Realty Holdings LLC, Bronxville. Seller: Secretary of Veterans Affairs, Washington, D.C. Property: 491 Toleman Road, Rock Tavern 12575. Amount: $155,000. Filed Oct. 26. Elchan Group Inc., Monroe. Seller: The Bank of New York Mellon. Property: 134 Crum Elbow Road, Hyde Park 12538. Amount: $114,000. Filed Oct. 30. Fannie Mae. Seller: Anthony LoBiondo, Newburgh. Property: 54 Willow Creek Road, Washingtonville 10992. Amount: $578,469. Filed Oct. 23. Federal Home Loan Mortgage Corp. Seller: Marcia Jacobowitz, Walden. Property: 245 Tompkins Road, Montgomery 12549. Amount: $389, 884. Filed Oct. 23. Federal National Mortgage Association. Seller: Anthony LoBiondo, Newburgh. Property: 36 Highview Drive, Blooming Grove 12577. Amount: $233,969. Filed Oct. 23. Federal National Mortgage Association. Seller: Jeffrey Wright, et al, Walden. Property: 456 Route 32, Wallkill 12589. Amount: $286,000. Filed Oct. 26. Federal National Mortgage Association. Seller: Lori Greico, et al, Highland Falls. Property: 216 Edgewood Drive North, Newburgh 12550. Amount: $182,122. Filed Oct. 23. Federal National Mortgage Association. Seller: Mikhail Kuns, et al, Middletown. Property: 362 Scotchtown Road, Goshen 10924. Amount: $248,103. Filed Oct. 23. Gemmati Properties LLC, Poughkeepsie. Seller: Raphael J. Basso, Poughkeepsie. Property: 16 Guerney Drive, Hyde Park 12538. Amount: $99,000. Filed Nov. 2.

NOVEMBER 13, 2017

Grand Heights Real Estate Inc., Montgomery. Seller: Aldo R. O’Campo, Newburgh. Property: in Newburgh. Amount: $58,000. Filed Oct. 26. Gwenie’s Girls LLC, Saugerties. Seller: Luiz Silva, Saugerties. Property: in Saugerties. Amount: $100,000. Filed Oct. 30. HF2M Inc. Seller: Bank of America N.A. Property: 671 County Highway 1, Warwick. Amount: $93,450. Filed Oct. 30. Historic Main Street LLC, Saugerties. Seller: P.A. Lawrence Inc., Saugerties. Property: in Saugerties. Amount: $450,000. Filed Nov. 2. HSBC Bank USA N.A. Seller Peter F. Matera, Westpark. Property: 14 Rambling Brook Lane, Poughkeepsie 12601. Amount: $252,500. Filed Oct. 31. HSBC Bank USA N.A. Seller: Mark Specthrie, Middletown. Property: 36 Harth Drive, New Windsor 12553. Amount: $175,016. Filed Oct. 30. Irish Jack Enterprises LLC, Phoenicia. Seller: County of Ulster, Kingston. Property: 57-61 Main St., Shandaken. Amount: $23,078. Filed Oct. 30. JDS Home Buyers LLC, Suffern. Seller: Wells Fargo Bank N.A. Property: 119 Witchtree Road. Woodstock 12498. Amount: $80,100. Filed Oct. 27. JNJ Land Company LLC, Goshen. Seller: Mark D. Stern, Goshen. Property: 185 N. Church St., Goshen 10924. Amount: $200,000. Filed Oct. 30. Klyde Properties LLC, New Windsor. Seller: S.D.C. Realty Corp., New Windsor. Property: in New Windsor. Amount: $125,000. Filed Oct. 30. Klyde Properties LLC, New Windsor. Seller: S.D.C. Realty Corp., New Windsor. Property: in New Windsor. Amount: $430,000. Filed Oct. 30. Klyde Properties LLC, New Windsor. Seller: S.D.C. Realty Corp., New Windsor. Property: in New Windsor. Amount: $20,000. Filed Oct. 30. Makai Real Estate LLC, Brooklyn. Seller: Sandra Pietri, et al, Huguenot. Property: 52 Boxbaum Road, Huguenot 12746. Amount: $200,000. Filed Oct. 30. Mavraj Properties LLC, Wallkill. Seller: Fratto Realty Corp, Wappingers Falls. Property: in Poughkeepsie. Amount: $375,000. Filed Oct. 30. Mechanicstown Fire District, Middletown. Seller: Dalvanie K. Powell-Filmore, et al, Bronx. Property: in Wallkill. Amount: $20,000. Filed Oct. 30.

WCBJ

Moonlight Meadows Farm LLC, Fishkill. Seller: Perry Gusikoff, et al, LaGrangeville. Property: 670 Waterbury Hill Road, LaGrangeville 12540. Amount: $880,000. Filed Nov. 1. MTGLQ Investors LP. Seller: Alan L. Joseph, Goshen. Property: 420 King Road, Middletown 10940. Amount: $259,427. Filed Oct. 24. MTGLQ Investors LP. Seller: Nancy J. Schneider, Washingtonville. Property: 6 McLaughlin Way, Washingtonville 10992. Amount: $460,630. Filed Oct. 24. MTGLQ Investors LP. Seller: Robert B. Hunter, Monticello. Property: 41 Meriline Ave., New Windsor 12553. Amount: $366,942. Filed Oct. 30. Navy Federal Credit Union, Vienna, Va. Seller: Alan L. Joseph, Goshen. Property: 17 Upper Hillman Road, Warwick 10990. Amount: $193,622. Filed Oct. 23. New Directions Enterprise LLC, Cornwall-on-Hudson. Seller: Secretary of the U.S. Department of Housing and Urban Development, Washington, D.C. Property: in Newburgh. Amount: $175,000. Filed Oct. 27. New Wave Pool and Spa LLC, Newburgh. Seller: Stephen J. McLean, Montgomery. Property: 798 Bullville Road, Crawford. Amount: $65,000. Filed Oct. 26. New Wave Pool and Spa LLC, Newburgh. Seller: Stephen J. McLean, Montgomery. Property: 398 Collabar Road, Crawford. Amount: $43,300. Filed Oct. 26. NFLDRAFT LLC, New York City. Seller: Hudson Valley Property Ventures LLC, Kingston. Property: in Kingston. Amount: $700,000. Filed Oct. 30. NRZ REO V-2 Corp. Seller: Michael Catania, Newburgh. Property: 35 Willow Lane, New Windsor 12553. Amount: $159,143. Filed Oct. 30. Old Silo Farm LLC, Wassaic. Seller: Washed Aggregate Resources Inc., Weston, Conn. Property: 495 Old Route 22, Amenia 12501. Amount: $200,000. Filed Oct. 27. Palisades Interstate Park Commission, Bear Mountain. Seller: Open Space Institute Land Trust Inc., New York City. Property: in Blooming Grove. Amount: $806,000. Filed. Oct. 25. Par Middletown LLC, Monsey. Seller: Mary Zugibe, Warwick. Property: 14 Par Court, Middletown 10940. Amount: $272,000. Filed Oct. 23. PHH Mortgage Corp. Seller: Robert Rametta, Goshen. Property: 288 S. William St., Newburgh 12550. Amount: $147,959. Filed Oct. 26.

FIGURES Pok Acquisitions LLC, New York City. Seller: Karan Garewal, Mount Kisco. Property: in Poughkeepsie. Amount: $200,000. Filed Oct. 30. Pok Beacon LLC, Beacon. Seller: Daniel Aubry, New York City. Property: in Kingston. Amount: $50,393. Filed Oct. 30. Prag Realty of New York Inc., Monroe. Seller: Woodbury Complex A LLC, Brooklyn. Property: 29 Alleghany Cross, Woodbury. Amount: $220,000. Filed Oct. 30. Real Estate Market Services LLC, Warwick. Seller: Timothy J. Ring, Florham Park, N.J. Property: in Newburgh. Amount: $52,500. Filed Oct. 30. Saggese Properties LLC, Montgomery. Seller: MTGLQ Investors LP. Property: 1991 Goshen Turnpike, Middletown 10941. Amount: $85,000. Filed Oct. 30. Sangmi Property LLC, Newburgh. Seller: James V. DiLorenzo Jr., Newburgh. Property: in Newburgh. Amount: $340,000. Filed Oct. 23. Santander Bank N.A. Seller: Michael Somers, et al, Goshen. Property: 1048 Lakes Road, Monroe 10950. Amount: $395,589. Filed Oct. 27. SBH Properties LLC, Pawling. Seller: Joseph S. DiMauro, Brewster. Property: in Pawling, Amount: $175,000. Filed Oct. 31. Secretary of Housing and Urban Development. Seller: Gary M. Schuster, Walden. Property: 35 Robertson Drive, Middletown 10940. Amount: $229,296. Filed Oct. 27. Security From Above LLC, Spring Valley. Seller: JFK Memorial LLC, Monroe. Property: in Blooming Grove. Amount: $75,000. Filed Oct. 27. Seneco Enterprises LLC, Middletown. Seller: International Union of Operating Engineers, Springfield, N.J. Property: in Wallkill. Amount: $585,000. Filed Oct. 25. State of New York Mortgage Agency. Seller: John E. Bach Jr., Goshen. Property: 6 Mount Hope Ave., Otisville 10963. Amount: $125,000. Filed Oct. 23. Stephen Taya Property Development LLC, Cold Spring. Seller: City of Newburgh. Property: 197 N. Miller St., Newburgh. Amount: $8,930. Filed Oct. 30. Stephen Taya Property Development LLC, Cold Spring. Seller: City of Newburgh. Property: 195 N. Miller St., Newburgh. Amount: $1,000. Filed Oct. 30. Stephen Taya Property Development LLC, Cold Spring. Seller: City of Newburgh. Property: 193 N. Miller St. and 192 Dubois St., Newburgh. Amount: $8,930. Filed Oct. 30.

Stephen Taya Property Development LLC, Cold Spring. Seller: City of Newburgh. Property: 194 Dubois St., Newburgh. Amount: $800. Filed Oct. 30.

Washed Aggregate Resources II LLC, Wassaic. Seller: Washed Aggregate Resources Inc., Weston, Conn. Property: 4352 Route 22, Amenia 12501. Amount: $75,500. Filed Oct. 27.

Strategic Success Inc., Newburgh. Seller: Home Loan Investment Bank F.S.B. Property: 43 Delaware Road, Newburgh 12550. Amount: $115,000. Filed Oct. 27.

Wells Fargo Bank N.A. Seller: Geoffrey Chanin, Goshen. Property: 41 Sherman Ave., Walden 12586. Amount: $614,506. Filed Oct. 23.

The Bank of New York Mellon Trust Company N.A. Seller: Frantz Bruno, et al, Middletown. Property: 17 Woodlake Drive, Unit 17, Middletown 10940. Amount: $90,000. Filed Oct. 23. The Bank of New York Mellon. Seller: Judith L. Lubinsky, Goshen. Property: 165 Watkins Ave., Middletown 10940. Amount: $276,813. Filed Oct. 23. U.S. Bank N.A. Seller: Carla Wise, Goshen. Property: 34 County Route 17, Pine Bush 12566. Amount: $229,657. Filed Oct. 30. U.S. Bank N.A. Seller: Edward Bruno, Pine Bush. Property: 43 Old Greenville, Port Jervis 12771. Amount: $123,908. Filed Oct. 30. U.S. Bank N.A. Seller: Frank D. Lombardi, Mahopac. Property: 171 Darin Road, Warwick 10990. Amount: $233,163. Filed Oct. 27. U.S. Bank N.A. Seller: John Bach, Goshen. Property: 20 Walnut Lane, Middletown 10940. Amount: $245,919. Filed Oct. 23. U.S. Bank N.A. Seller: Raju Sundaran, Walden. Property: 107 Baldwin Lane, Newburgh 12550. Amount: $199,830. Filed Oct. 23. U.S. Bank N.A. Seller: U.S. Bank Trust N.A. Property: 215 N. Miller St., Newburgh 12550. Amount: $287,529. Filed Oct. 23. U.S. Bank Trust N.A. Seller: Allison Grace Cappella, Walden. Property: 64 Station Road, Salisbury Mills 12577. Amount: $352,165. Filed Oct. 30.

Wells Fargo Bank N.A. Seller: Jeffrey Albanese, Goshen. Property: 16 Firemens Lane, Newburgh 12550. Amount: $292,302. Filed Oct. 30. Wells Fargo Bank N.A. Seller: Noelia Rodriguez, Poughkeepsie. Property: 28 Edgar St., Poughkeepsie 12603. Amount: $337,000. Filed Oct. 30. Wilmington Savings Fund Society FSB. Seller: Andrew K. Grechniv, Hopewell Junction. Property: 406 Old Mill Road, Southfields 10975. Amount: $217,423. Filed Oct. 23. Wilmington Savings Fund Society FSB. Seller: Diane Foley, Wappingers Falls. Property: 124 Route 82, Fishkill. Amount: $171,000. Filed Oct. 31. Wilmington Savings Fund Society FSB. Seller: Kendra Green-Newell, Goshen. Property: 201 St. Andrews Road, Montgomery 12586. Amount: $328,428. Filed Oct. 23. Wilmington Savings Fund Society FSB. Seller: Michael D. Kranis, Poughkeepsie. Property: 18 Bement Ave., Poughkeepsie 12601. Amount: $201,500. Filed Nov. 1. Wilmington Savings Fund Society FSB. Seller: Robert Meunier, Monroe. Property: 464 Meri Lane, Unit 464, Monroe 10950. Amount: $314,597. Filed Oct. 26. Wings Over Water Millbrook Ltd., Brewster. Seller: TD Bank N.A. Property: 2647 Route 44, Washington. Amount: $215,000. Filed Oct. 27.

JUDGMENTS

U.S. Bank Trust N.A. Seller: John E. Bach Jr., Goshen. Property: 42 Waring Road, Newburgh. Amount: $200,000. Filed Oct. 26.

Aztlan Lawnscape Inc., New Paltz. $96 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

U.S. Bank Trust N.A. Seller: Paul C. Brite, Newburgh. Property: 933 Route 211 West, Middletown 10940. Amount: $235,885. Filed Oct. 26.

Blkstart LLC, Olivebridge. $150 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Ulster County Habitat For Humanity Inc., Kingston. Seller: Gerald A. Vergilis, Beacon. Property: in Kingston. Amount: $27,000. Filed Oct. 27.

DBTL Realty Corp., Woodstock. $365 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Urrego Brothers LLC, New Milford, N.J. Seller: Beverly Jasmine Guity, Middletown. Property: 145 Ruth Court, Middletown 10940. Amount: $100,000. Filed Oct. 23.

Don Juan Mexican Restaurant Inc., Kerhonkson. $1,297 in favor of the New York State Department of Labor, Albany. Filed Oct. 30.

FACTS Green Heat Inc., Stone Ridge. $262 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

TP Diesel Inc., Claryville. $23,592 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Hudson Valley Pool League Inc., Highland. $299 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

Walden Plaza LLC, Marlboro. $104 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3.

Jai Ganesh Kirpa Corp., Milton. $914 in favor of the New York State Department of Labor, Albany. Filed Oct. 30.

Weiss Custom Builders Inc., Kingston. $129 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

Jentrip Ltd., Rosendale. $19,318 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

LIS PENDENS

Kaycee Enterprises Inc., Highland. $165 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3. Lost In Space Auctions, Saugerties. $6,554 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30. Mario’s Pizza, Port Ewen. $4,006 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30. Menton LLC, New Paltz. $2,217 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3. Moe’s Lawncare, Highland. $2,091 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30. Nichols and Nichols and Builders LLC, Olivebridge. $106 in favor of the New York State Department of Taxation and Finance, Albany. Filed Nov. 3. Northwoods at Rosewood Gardens Realty, Rensselaer. Seller: Dynalink Communications, New York City. Filed Oct. 17. Rascal’s Bar and Grille Ltd., New Paltz. $2,068 in favor of the New York State Department of Labor, Albany. Filed Oct. 30. RN Installations Inc., Middletown. Seller: AF Rockland Plumbing Supply Corp., Harrison, N.J. Filed Oct. 18. Teamsters Local 445 Welfare Fund, Rock Tavern. $14,080 in favor of Pension Fund Local 445, Rock Tavern. Filed Oct. 25. The Chris O’Leary Band, Highland. $145 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30. Toy Backer LLC, Hurley. $208 in favor of the New York State Department of Taxation and Finance, Albany. Filed Oct. 30.

The following filings indicated a legal action has been initiated, the outcome of which may affect the title to the property listed. Acoraci, Genevieve J., et al. Filed by HSBC Mortgage Corporation USA. Action: seeks to foreclose on a mortgage to secure $350,000 affecting property located at 51 S. Main St., Florida 10921. Filed Sept. 13. Any unknown heirs to the estate of Thomas Ewanich, et al. Filed by Quicken Loans Inc. Action: seeks to foreclose on a mortgage to secure $214,000 affecting property located at 49 Pine Hill Road, Highland Mills 10930. Filed Sept. 14. Bennett, William J. Jr., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure $200,000 affecting property located at 3 Birchwood Drive, Woodbury 10930. Filed Sept. 15.

Contorino, Mario, et al. Filed by Atlantic Capital Funding LLC. Action: seeks to foreclose on a mortgage to secure $325,000 affecting property located in Chester. Filed Sept. 11. Daly, Matthew C., et al. Filed by Caliber Home Loans Inc. Action: seeks to foreclose on a mortgage to secure $230,743 affecting property located at 45 Grand St., Warwick 10990. Filed Sept. 13. Dobson, Michelle J., et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 3 Olev Lane, New Paltz 12561. Filed Oct. 27. Dooley, William T., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $172,000 affecting property located at 10 Fite Road, Saugerties 12477. Filed Oct. 31. Dubois, Keith, et al. Filed by Sterling National Bank. Action: seeks to foreclose on a mortgage to secure $80,000 affecting property located at 59 Borden Ave., Pine Bush 12566. Filed Sept. 13. Duggins, Kimberly M., et al. Filed by New Penn Financial LLC. Action: seeks to foreclose on a mortgage to secure $294,566 affecting property located at 56 Highrose Ridge Way, Middletown 10940. Filed Sept. 15. Dwyer, Joan, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $206,000 affecting property located at 14 Kinderhook Drive, Poughkeepsie 12603. Filed Oct. 31.

Bondi, Susan, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $373,000 affecting property located at 5 Townsend Road, LaGrangeville 12540. Filed Oct. 30.

Elias, Jeffrey, et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $302,364 affecting property located at 18 Shepard Road, Warwick 10990. Filed Sept. 11.

Brown, Ardis, as executrix of the estate of Gale Brownlee, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $390,000 affecting property located at 7 Downer Lane, Woodstock 12498. Filed Oct. 30.

Foster, Kevin R., et al. Filed by Mortgage Electronic Registration Systems Inc. Action: seeks to foreclose on a mortgage to secure $240,000 affecting property located at 26 Robin Hill Drive, Poughkeepsie 12603. Filed Oct. 30.

Casey, Shaun, et al. Filed by BAC Home Loans Servicing LP. Action: seeks to foreclose on a mortgage to secure $292,986 affecting property located at 29 Dorothy Drive, Monroe 10950. Filed Sept. 13.

Fratto, Margaret, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $116,000 affecting property located at 747 Route 49, Middletown 10940. Filed Sept. 13.

Cecchini, Susan E., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $102,500 affecting property located at 163 Cannon St., Poughkeepsie 12601. Filed Oct. 31.

Hartley, Richard S., et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $183,000 affecting property located at 1427 Route 208, Monroe 10950. Filed Sept. 12.

Cirone, Donna M., et al. Filed by Santander Bank N.A. Action: seeks to foreclose on a mortgage to secure $125,000 affecting property located at 5 Park Circle, Rosendale 12440. Filed Oct. 30.

Hrabowsky, Robert, heir to the estate of Johanna Hrabowsky, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $190,000 affecting property located at 63 Dosen Road, Middletown 10940. Filed Sept. 14.

FIGURES Johnson, King, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $114,498 affecting property located at 12 Third St., Port Jervis 12771. Filed Sept. 15. Karen, Kenneth, et al. Filed by Federal National Mortgage Association. Action: seeks to foreclose on a mortgage to secure $260,000 affecting property located at 124 Dug Road, Chester 10918. Filed Sept. 11. Keegan, John C., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $320,000 affecting property located at 15 Plymouth Rock Court, Washingtonville 10992. Filed Sept. 14. Kelly, Jami, et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $219,950 affecting property located at 35 Regina Road, Highland Mills 10928. Filed Sept. 18. Kim, Sharon, as heir and distributee of the estate of George Nishimura, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $435,000 affecting property located at 783 Route 284, Minisink1 10998. Filed Sept. 14. King, Natalya L., et al. Filed by Central Mortgage Co. Action: seeks to foreclose on a mortgage to secure $323,200 affecting property located at 109 Barr Lane, Unit B1, Monroe 10950. Filed Sept. 12. Lake, Raymond Jr., et al. Filed by Wilmington Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 41 Lakeview Ave., Poughkeepsie 12601. Filed Oct. 31. Lee, Joseph, et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure $159,505 affecting property located at 33 Cindy Lane, Middletown 10941. Filed Sept. 18. Lunde, Laura T., et al. Filed by JPMorgan Chase Bank N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 90 S. Main St., Florida 10921. Filed Sept. 13. Manley, Joseph P., et al. Filed by HSBC Bank USA N.A. Action: seeks to foreclose on a mortgage to secure $235,040 affecting property located at 74 Weyants Lane, Newburgh 12550. Filed Sept. 15. Marano, Rachel, et al. Filed by Bayview Loan Servicing LLC. Action: seeks to foreclose on a mortgage to secure $194,500 affecting property located at 25 Mohawk Drive, Milton 12547. Filed Nov. 2.

Martin, Amy DeAngelis, et al. Filed by M&T Bank. Action: seeks to foreclose on a mortgage to secure $139,156 affecting property located at 21 Edith Ave., Saugerties 12477. Filed Oct. 30.

Sanchez, Sonia, et al. Filed by Irmgard Fabian. Action: seeks to foreclose on a mortgage to secure $35,000 affecting property located in Gardiner. Filed Nov. 1.

Martire, Dawn Marie, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 99 Pirog Road, Shawangunk 12566. Filed Nov. 2.

Scarpelli, John A. Jr., et al. Filed by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $835,000 affecting property located at 12 Sachs Court, Hopewell Junction 12533. Filed Oct. 30.

Mazariego, Carlos, et al. Filed by JPMC Specialty Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $195,500 affecting property located at 3 Kramer Kourt, Saugerties 12477. Filed Nov. 1.

Schneider, Kristina, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $108,746 affecting property located at 53 Country Club Drive, Florida 10921. Filed Sept. 15.

Milano, William J. Jr., et al. Filed by MTGLQ Investors LP. Action: seeks to foreclose on a mortgage to secure $340,000 affecting property located at 61 Sycamore Drive, Montgomery 12549. Filed Sept. 11.

Schroeder, Robert Jr., et al. Filed by Capital One N.A. Action: seeks to foreclose on a mortgage to secure $124,500 affecting property located at 42 Schroeder Lane, Walden 12586. Filed Sept. 14.

Milburn, Andy, et al. Filed by Bank of America N.A. Action: seeks to foreclose on a mortgage to secure $100,000 affecting property located at 16 Dubois Lane, New Paltz 12401. Filed Nov. 2.

Sims, Deva, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $284,000 affecting property located at 3428 Route 208, Campbell Hall 10916. Filed Sept. 13.

Mitchell, Steven L., et al. Filed by PHH Mortgage Corp. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 432 Binnewater Road, Kingston 12401. Filed Nov. 2.

Stelecki, Wayne, as heir at law and next of kin of Shigeko Strelecki, et al. Filed by Fareverse LLC . Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 1791 Greenville Turnpike, Port Jervis 12771. Filed Sept. 12.

Moran, Meghan B., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $152,250 affecting property located at 17 Creekview Court, Wappingers Falls 12590. Filed Oct. 27. Moran, Robert E., et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 29 Baird Court, Walden 12586. Filed Sept. 13. Pauly, Barbara A., et al. Filed by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $72,000 affecting property located at 89 Berme Road, Port Jervis 12771. Filed Sept. 12. Phelan, Mary T., et al. Filed by Deutsche Bank National Trust Co. Action: seeks to foreclose on a mortgage to secure an unspecified amount affecting property located at 16 Gibson Road, Goshen 10924. Filed Sept. 18. Reali, Angelique, et al. Filed by U.S. Bank Trust N.A. Action: seeks to foreclose on a mortgage to secure $138,000 affecting property located in Wappinger. Filed Oct. 30. Sanchez, Sonia, et al. Filed by Irmgard Fabian. Action: seeks to foreclose on a mortgage to secure $34,200 affecting property located in Gardiner. Filed Nov. 1.

Steller, John W., et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $400,000 affecting property located at 6 Park Place, Newburgh 12550. Filed Sept. 14. Stewart, Sandra, et al. Filed by Wilmington Savings Fund Society FSB. Action: seeks to foreclose on a mortgage to secure $263,200 affecting property located at 45 Beyers Road, Montgomery 12549. Filed Sept. 12. Stopanio, Eric, et al. Filed by Ditech Financial LLC. Action: seeks to foreclose on a mortgage to secure $228,000 affecting property located at 17 Rose Place, Central Valley 10917. Filed Sept. 15. Sullivan, Jon C., et al. Filed by Citizens Bank N.A. Action: seeks to foreclose on a mortgage to secure $25,000 affecting property located at 110 Lauren Tice Road, Saugerties 12477. Filed Nov. 1. Sutherland, Daniele, et al. Filed by U.S. Bank N.A. Action: seeks to foreclose on a mortgage to secure $167,200 affecting property located at 2305 Whispering Hills Drive, Chester 10918. Filed Sept. 12.

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NOVEMBER 13, 2017

FACTS The minister of the Temple of Divine Wisdom, et al. Filed by The Bank of New York Mellon. Action: seeks to foreclose on a mortgage to secure $19,500 affecting property located at 15 Dubois St., Kingston 12401. Filed Nov. 2. Vencat, Shiva, et al. Filed by MidHudson Valley Federal Credit Union. Action: seeks to foreclose on a mortgage to secure $180,000 affecting property located at 116 Canaan Road, New Paltz. Filed Oct. 27. Vomero, Jennifer M., et al. Filed by CitiMortgage Inc. Action: seeks to foreclose on a mortgage to secure $165,000 affecting property located at 15 Excelsior Ave., Middletown 10940. Filed Sept. 11. Weber, Scott C., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $192,000 affecting property located at 56 Oak Hill Road, Westtown 10998. Filed Sept. 18. Wheeler, Jerold, heir to the estate of John V. Wheeler, et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $505,875 affecting property located at 6 Glen Ridge Road, East Fishkill 12533. Filed Oct. 31. Wilson, Kristen E., et al. Filed by Wells Fargo Bank N.A. Action: seeks to foreclose on a mortgage to secure $197,417 affecting property located at 66 Ravine St., Kingston 12401. Filed Nov. 2.

Zambuto, Elizabeth, et al. Filed by Central Mortgage Co. Action: seeks to foreclose on a mortgage to secure $298,320 affecting property located at 490 Orchard Drive, Wallkill 12589. Filed Nov. 3.

Partnerships

Zimmerman, George H. Jr., et al. Filed by Nationstar Mortgage LLC. Action: seeks to foreclose on a mortgage to secure $350,000 affecting property located at 49 S. Cross Road, LaGrangeville 12540. Filed Oct. 30.

Stallard Inspections, 105 Schipps Lane, Maybrook 12543, c/o Travis A. Stallard and Johanna Stallard. Filed Oct. 19.

MECHANIC’S LIENS Annunziata, Umberto, et al, as owner. $2,822 as claimed by Alt Excavation and Construction, Hyde Park. Property: 43 Sherwood Heights, Wappingers. Filed Oct. 27. MCRJ Realty Corp., as owner. $4,500 as claimed by Allt Excavating and Construction, Hyde Park. Property: 2245 South Road, Poughkeepsie. Filed Oct. 27. MCRJ Realty Corp., as owner. $4,500 as claimed by Allt Excavating and Construction, Hyde Park. Property: 10 IBM Road, Poughkeepsie. Filed Oct. 27.

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

FIGURES Creative Endeavors, 18 Elm St., Tillson 12486, c/o Ingrid Ann Jacobsen. Filed Oct. 31.

In Caring Hands, 45 Hunt Road, Walkill 12589, c/o David A. Bergsma. Filed Oct. 30.

Dave’s Custom Woodworks, 56 Burleigh Road, New Paltz 12561, c/o David M. Clayton. Filed Oct. 24.

Inca by the Lake, 91 Baileys Gap Road, Highland 12528, c/o Ryan M. Howell. Filed Oct. 31.

DLS, 5 Old Country Road, Otisville 10963, c/o David L. Titsworth. Filed Oct. 19.

Karhu Moon, 258 Cottekill Road, Cottekill 12419, c/o Heidi M. Spadter. Filed Oct. 26.

Stuff Hudson Valley, 285 Hidden Valley Road, Kingston 12401, c/o Daniel J. Goodwin and Monik M. Geisel. Filed Oct. 25.

Done Right Handyman, 49 Morning Star Drive, New Paltz 12561, c/o Dustin R. Curcio. Filed Oct. 30.

Laura Finestone Consulting, P.O. Box 362, Accord 12404, c/o Laura M. Finestone. Filed Nov. 1.

SOLE PROPRIETORSHIPS

Fiyah New York Entertainment, 158 Henry St., Apt. 1, Kingston 12401, c/o Rasheed Abubaker Shepard. Filed Nov. 2.

Lori Powell, 54 Main St., Hurley 12443, c/o Dolores Elizabeth Powell. Filed Nov. 3.

Nu Media, 721 Broadway, U-45, Kingston 12401, c/o Corey D. Haywood and Jessica Lynee Crawford. Filed Oct. 30.

1000 Words Photography, 694 Broadway, Kingston 12401, c/o Christina E. Williamson. Filed Oct. 25. ADM Bookkeeping, 430 Vineyard Ave., Highland 12528, c/o Barbara Elizabeth Marshall. Filed Oct. 25. Aguilar Landscaping, 235 Smith Ave., Kingston 12401, c/o Juan Salvador Aguilar Gamez. Filed Oct. 26. Blue Locomotive, 3746 Atwood Road, Stone Ridge 12484, c/o Paul David Koster. Filed Nov. 2. Colucci and Sons Construction, 170 Mountainview Road, Tillson 12486, c/o Deborah Lautman-Colucci. Filed Nov. 1.

Forest Dryad Products, 458 Yeagerville Road, Napanoch 12458, c/o Stephen Selwyn. Filed Oct. 26. Hudson Valley Buccaneers, 227 Ridgeview Road, Kerhonkson 12446, c/o Darrial W. Kouhout. Filed Oct. 24. Hudson Valley Market Wise, 35 Country Club Drive, Mount Marion 12456, c/o Mykel Robert Binder. Filed Nov. 3. Hudson Valley Wedding Yoga, 34 Grandview Ave., Kingston 12401, c/o Jacquelyn Potente Nash. Filed Oct. 30.

Lyric Hospitality, 57 Main St., Bloomington 12411, c/o Eric Travis Andrew Ploutz. Filed Oct. 30. Murphy’s Ink, 504 Wilbur Ave., Kingston 12401, c/o Ira T. Murphy. Filed Oct. 26. Northern Medical Billing, 196 Altamont Drive, Hurley 12443, c/o Ashishkumar R. Shah. Filed Nov. 3. Novias Bridal Boutique, 900 Ulster Ave., Kingston 12401, c/o Maria A. Cabrera. Filed Oct. 24.

Overlook Private Client Group, 33 Basin Road, Suite 6, West Hurley 12491, c/o Michael B. Lamonda. Filed Oct. 23. Racism, Reconciliation, and the Blues, P.O. Box 909. North Blenheim 12131, c/o George R. Kilby Jr. Filed Nov. 1. River Internet, 676 Ohayo Mountain Road, Glenford 12433, c/o Benjamin D. Montanelli. Filed Nov. 1. Royal Glow, 17 High Ridge Road, Monroe 10950, c/o Robert M. Brooks. Filed Oct. 19. Steps to College, 9 Van Alst St., New Paltz 12561, c/o Susan F. Weatherly. Filed Oct. 25. Stockade Maids, 387 Washington Ave., Kingston 12401, c/o Kelly D. Davis. Filed Oct. 27. Straight Line Flooring, 2781 Route 9, Livingston 12541, c/o Anthony P. Colini. Filed Oct. 30. Swirl, 3-5 Clinton Ave., Ellenville 12428, c/o Daniel A. Foster. Filed Oct. 24. TMC Transportation, 7105 Route 209, Wawarsing 12489, c/o Thomas M. Carpenter, Jr. Filed Oct. 24.

Ojala Ventures, 20 Ulster Ave., Saugerties 12477, c/o Stacey Lynn Estrella. Filed Oct. 26.

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NOVEMBER 13, 2017

LEGAL NOTICES Notice of Formation of 990 Mclean LLC. Principal office Westchester County. Secretary of State of NY (SSNY) designated as agent for service of process. SSNY shall mail a copy ofany process served against the LLC to 120 Hyatt Avenue, Yonkers, NY 10704. Articles of Organization of the LLC filed with the SSNY on September 21, 2017’. Purpose: Any lawful act(s). #61388 R.S. PEPE - AUTOMOTIVE EVENTS, LLC Articles of Organization filed 9/25/17; SSNY; Westchester County, New York; SSNY designated as agent of LLC upon whom process may be served. Address for mailing copy of process: 5 Dove Ct, Ste A, Croton-onHudson, NY 10520; Purpose: any lawful purpose; Perpetuity. Name and address of Organizer: Roderick J. MacLeod, Esq., 80 Washington St, Ste 301, Poughkeepsie, NY 12601 #61389 Red Moon Tea LLC. Date of filing Articles of Organization with the Secretary of State (SSNY) 9/21/2017. The LLC is located in Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The post office address to which the SSNY shall mail a copy of any process against it served is to the registered agent location at c/o United States Corporation Agents, Inc. 7014 13th Ave Suite 202, Brooklyn NY 11228. Purpose of business of LLC is any lawful act or activity. #61390 Notice of Formation of Rob Purdie, LLC Art. Of Org. filed with SSNY on 8/28/17. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 1 Shorthill Rd. Ardsley, NY 10502. Purpose: any lawful purpose. #61392 Notice of Formation of Danny’s Cycles Wolfs Lane LLC Art. Of Org. filed with SSNY on 10/01/17. Offc.Loc: Westchester Cty. SSNY desig.as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 101 Secor Ln, Pelham Manor, NY 10803 . Purpose: any lawful purpose. #61393 Nao LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/18/17. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 240 Central Ave., White Plains, NY 10606 . General Purpose #61394

NOVEMBER 13, 2017

Notice of Formation of Leveraging Literacy, LLC. Art. Of Org. filed with Secretary of State of New York (SSNY) on 9/18/17. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 49 Loh Ave., Tarrytown, NY 10591. Purpose: any lawful purpose. #61395

Notice of Formation of 993 Lenox Road LLC. Of Org. filed NY Secy. of State on 12/09/2016. Offc. Loc: 993 Lenox Road Brooklyn NY 11212. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 993 Lenox Road Brooklyn, NY 11212. Purpose: any lawful purpose. #61404

Notice of Application for Authority to do business in New York of SUNSUP HOME SOLUTIONS LLC (ìLLCî). Application for Authority filed with the Secretary of State (ìSSNYî) 8/10/17. The LLC formed in Neveda (ìNVî) on 4/20/17. Office location is Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of such process to the LLC c/o 7 Granada Crescent Apt 22, White Plains, NY 10603. Office address is c/o 7 Granada Crescent Apt 22, White Plains, NY 10603. Copies of Certificate of Organization of LLC are on file and may be obtained from the Secretary of State of NV, Nevada State Capitol Building, 101 North Carson Street, Suite 3, Carson City, NV 89701. Purpose of business of LLC is any lawful act or activity. #61396

Good Shepherdís Estate, LLC. Art. Of Org. filled with the SSNY on 9/22/17. Off. Loc: SSNY Westchester cty. desig. as agent upon whom process against it may be served. SSNY shall mail copy of process of the LLC at : 415 McClellan Ave. Mount Vernon, NY 10553. Purpose: any lawful purpose #61405

P.M. Gillen, LLC. Arts. of Org. filed with the SSNY on 09/20/2017. Office: Westchester Cty. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail copy of process to the LLC, 47 Keats Ave. Hartsdale, NY 10530. Purpose: Any lawful purpose. #61398 Clive’s Home Improvement LLC. Arts of Org filed with SSNY on 08/07/17. Off. Loc: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served & shall mail copy to: 84 Harding Avenue, White Plains, NY 10606. Purpose: any lawful #61399 Notice of Formation of 345 East 80th Street, Apt. 3H, LLC. Art. of Org. filed with Secy of State of NY (SSNY) on 9/5/17. Office location: Westchester. SSNY designated agent upon whom process may be served. SSNY shall mail copy of process served against the LLC to Linda Grace John, 3 Chalmers Blvd, Amawalk, NY 10501. The principal business address of LLC is 3 Chalmers Blvd., Amawalk, NY 10501. Purpose: any lawful act or activity. #61400 Blazing Paths With FastPitch Softball LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/29/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 45 Halcyon Ter., New Rochelle, NY 10801. General Purpose. #61403

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Notice of Formation of Peaceful Provisions LLC. Art. of Org. filed with SSNY on 10/6/17. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 2851 Fox Hall St., Mohegan Lake, NY 10547. Purpose: any lawful act or activity. #61406 4300 Purchase Associates, LLC. Filed 9/18/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 12 Water St. Ste. 204, White Plains, NY 10601 Purpose: all lawful #61407 500 Commerce LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 9/26/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to John Piazza, 3 West Stevens Ave., Hawthorne, NY 10532. General Purpose. #61408 THE MITCHELL LEGAL GROUP, PLLC. Arts of Org filed with SSNY on 10/06/17. Off loc: Westchester County. SSNY has been designated as agent of the PLLC upon whom process may be served and shall mail copy to: The PLLC, 950 North Avenue, New Rochelle, NY 10804 Purpose: any lawful #61410 Notice of Formation of MODA Training LLC. Art. Of Org. filed with SSNY on 09/05/2017. Office Location: Westchester. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to: 42 Doeview Lane, Pound Ridge NY 10576. Purpose: any lawful purpose. #61411 NJE Chemservices, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 10/12/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to Neal J. Earhart, 1 Renaissance Sq., Unit 25E, White Plains, NY 10601. General Purpose. #61412

Elecsys Engineering Group PLLC. Articles filed w/ SSNY 9/28/17. Office in Westchester Co. SSNY designated for service of process and shall mail to: 195 Evan Dr, Ossining, NY 10562. Purpose: P.E #61413 Notice of Formation of SMARTERKIDS CONSULTING LLC. Filed with SSNY on 8/29/2017. Offc.Location: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 161 Harvard Dr Hartsdale, NY 10530. Purpose: any lawful purpose. #61414 Notice of Formation of JM Global Sales, LLC Art. Of Org. filed with SSNY on 10/12/17. Offc. Loc.: Westchester Cty. SSNY desig.as agent of the LLC upon whom process against it may be Served. SSNY shall mail process to the LLC, 21 Frances Place, Pleasantville, NY 10570. Purpose: any lawful purpose. #61416 Notice of formation of J J Cameran, LLC. Art. of Org. filed with SSNY on 9/14/2017. Offc. Loc: Westchester Cty. SSNY design. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 105 Florence Street, Mamaroneck, NY 10543. Purpose: any lawful purpose. #61417 216-24 115th Ave, LLC. Filed 9/12/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 40 Memorial Highway 36G, New Rochelle, New York, 10801 Purpose: all lawful #61418 Empire State Diamonds, LLC Filed 10/4/17 Office: Westchester Co. SSNY designated as agent for process & shall mail to: 1139 West Boston Post Road, Mamaroneck, NY 10543. Purpose: all lawful #61419 Ad Spin Media LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 10/11/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 406 Field Point Rd., Greenwich, CT 06830. General Purpose. #61420 LifeSafe Systems LLC. Articles filed w/ SSNY 10/20/17. Office in Westchester Co. SSNY designated for service of process and shall mail to: 27 Mohawk Ln, Yorktown Heights, NY 10598. Purpose: Any lawful activity #61421 Empire South Broadway, LLC, Arts. of Org. filed with the SSNY on 10/18/17. Office location: Westchester County. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: The LLC c/o James Heffernan. 10 Plymouth Road. Rye, NY 10580. General Purposes. #61423

Notice is hereby given that an on-premise license, #TBA has been applied for by BSWP LLC d/b/a BLT Steak to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 221 Main Street White Plains NY 10601. #61425 Notice is hereby given that an on-premise license, #TBA has been applied for by Homestyle Food at Chappaqua Crossing Inc to sell beer, wine and liquor at retail in an on premises establishment. For on premises consumption under the ABC law at 1 Brown River Road Valhalla NY 10595. #61426 Notice of formation of Limited Liability Company (ìLLCî). Name: Mulford Yonkers Preservation LLC. Articles of Organization filed with the Secretary of State of the State of New York (ìSSNYî) on October 25, 2017. N.Y. office location: Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. The SSNY shall mail a copy of any process to Mulford Yonkers Preservation LLC, 1511 Central Park Avenue, Yonkers, New York 10710. Purpose/character of LLC is to engage in any lawful act or activity. #61427 Vernon Snacks LLC, Art. Of Org. filed with NY Secy. Of State on 10/30/2017. Office is located in Westchester County. Secy. Of State designated as agent upon which process may be served. Secy. Of State shall mail a copy of any process against it served upon him/her to: 517 Riverdale Avenue ñ Apt. 3B Yonkers, NY 10705 (the LLCís primary business location). LLC may engage in any lawful act or activity for which a limited liability company may be formed. #61428 378 Elwood Avenue LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 10/20/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 378 Elwood Ave., Hawthorne, NY 10532. General Purpose. #61429 Aleph Rug LLC. Art. Of Org. filed with SSNY on 10/18/2017. Office Location: Westchester County. SSNY designated as agent of the LLC upon whom process against it may be served. SSNY shall mail process to: Aleph Rug LLC, 255 Huguenot Street, #2101, New Rochelle, NY, 10801. Purpose: any lawful purpose. #61430 Notice of Formation of Bubbenmoyer Audio Services LLC. Art. Of Org. filed with SSNY on 10/30/17. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 7 Overlook Rd, Dobbs Ferry, NY 10522. Purpose: any lawful purpose. #61431

SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF WESTCHESTER Plaintiff designates WESTCHESTER as the place of trial situs of the real property SUPPLEMENTAL SUMMONS Mortgaged Premises: 1561 STRAWBERRY ROAD MOHEGAN LAKE, NY 10547 Section: 15.12 Block: 1 Lot: 24 INDEX NO. 58975/2012 ONEWEST BANK FSB, Plaintiff, vs. KELLY FREVE, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF GLADYS E. TURNER A/K/A GLADYS C. TURNER; any and all persons unknown to plaintiff, claiming, or who may claim to have an interest in, or general or specific lien upon the real property described in this action; such unknown persons being herein generally described and intended to be included in the following designation, namely: the wife, widow, husband, widower, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors, and assignees of such deceased, any and all persons deriving interest in or lien upon, or title to said real property by, through or under them, or either of them, and their respective wives, widows, husbands, widowers, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors and assigns, all of whom and whose names, except as stated, are unknown to plaintiff; KIM ROBERTSON, AS HEIR AND DISTRIBUTEE OF THE ESTATE OF GLADYS E. TURNER A/K/A GLADYS C. TURNER, if living, and if she/he be dead, any and all persons unknown to plaintiff, claiming, or who may claim to have an interest in, or general or specific lien upon the real property described in this action; such unknown persons being herein generally described and intended to be included in the following designation, namely: the wife, widow, husband, widower, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors, and assignees of such deceased, any and all persons deriving interest in or lien upon, or title to said real property by, through or under them, or either of them, and their respective wives, widows, husbands, widowers, heirs at law, next of kin, descendants, executors, administrators, devisees, legatees, creditors, trustees, committees, lienors and assigns, all of whom and whose names, except as stated, are unknown to plaintiff; SECRETARY OF HOUSING AND URBAN DEVELOPMENT; VENUS S. RODRIGUEZ; ANTHONY BLAKE; PEOPLE OF THE STATE OF THE NEW YORK; THE UNITED STATES OF AMERICA, “JOHN DOE 1 to JOHN DOE 25”, said names being fictitious, the persons or parties intended being the persons, parties, corporations or entities, if any, having or claiming an interest in or lien upon the mortgaged premises described in the complaint, Defendants. To the above-named Defendants YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your answer, or, if the complaint is not served with this summons, to serve a notice of appearance on the Plaintiff’s Attorney within 20 days after the service of this summons, exclusive of the day of service (or within 30 days after the service is complete if this summons is not personally delivered to you within the State of New York) in the event the United States of America is made a party defendant, the time to answer for the said United States of America shall not expire until (60) days after service of the Summons; and in case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT THE OBJECT of the above caption action is to foreclose a Mortgage to secure the sum of $544,185.00 and interest, recorded on September 12, 2007 in Control # 472490070, of the Public Records of WESTCHESTER County, New York, covering premises known as 1561 STRAWBERRY ROAD, MOHEGAN LAKE, NY 10547. The relief sought in the within action is a final judgment directing the sale of the premises described above to satisfy the debt secured by the Mortgage described above. WESTCHESTER County is designated as the place of trial because the real property affected by this action is located in said county. NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME If you do not respond to this summons and complaint by serving a copy of the answer on the attorney for the mortgage company who filed this foreclosure proceeding against you and filing the answer with the court, a default judgment may be entered and you can lose your home. Speak to an attorney or go to the court where your case is pending for further information on how to answer the summons and protect your property. Sending a payment to the mortgage company will not stop the foreclosure action. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. Dated: September 13, 2017 Westbury, New York RAS BORISKIN, LLC Attorney for Plaintiff BY: DANIEL GREENBAUM, ESQ. 900 Merchants Concourse, Suite 106 Westbury, NY 11590 516-280-7675 #61424

LEGAL NOTICES Dr. Dayna McCarthy Medical P.L.L.C., Arts of Org. filed with Sec. of State of NY (SSNY) 9/21/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to Dayna McCarthy, 451 E. 83rd St., Apt. PHA, NY, NY 10028. Purpose: Medicine. #61432 Notice of formation of Drafting Direct LLC a domestic LLC. Articles of Organization filed with the Secretary of State of New York (SSNY) on 10/26/17. Office location: Westchester. SSNY is designated as agent upon whom process against the LLC may be served. SSNY shall mail process to: Drafting Direct LLC, 90 State Street, Suite 700, Office 40, Albany, NY 12207. Purpose: Any lawful purpose. #61433

Notice of Formation of Golden Lotus LLC Date of filing Articles of Organization with the Secretary of State of New York (SSNY) is 9/5/2017. The LLC is located in Westchester County. The SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of any process to the LLC at 301 Roaring Brook Road, Chappaqua, NY 10514. Purpose of business of LLC is any real estate activity. #61434 Notice of formation of Limited Liability Company (LLC): CRYPTAGE, LLC, Articles of Organization were filed with the Secretary of State of New York (SSNY) on 8/11/06. Office location: Westchester County. SSNY is designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: CRYPTAGE LLC, 565 Broadway #3i, Hastings on Hudson, NY 10706, its principal business location. Purpose: any lawful business activity. #61435

Tricia Caracappa Design, LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 11/1/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to 5 Buckbee Pl., Katonah, NY 10536. General Purpose. #61436 Notice of Formation of 348 WHIPPOORWILL DEVELOPMENT LLC. Arts. of Org. filed with the Secy of State of NY (SSNY) on 9/29/17. Office location: Westchester County. SSNY designated as agent of LLC upon whom process against it may be served. SSNY shall mail process to: 345 Whippoorwill Road, Chappaqua, NY 10514. Purpose: any lawful act or activity. #61437

POLL-VAULTER, LLC Articles of Organization were filed with the Secretary of State of New York (SSNY) on 10/30/2017 Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: The LLC, 14 Cedar Lane, Chappaqua, New York 10514, principal business location of the LLC. Purpose: any lawful business activity. #61438 EdVaults LLC. Articles of Organization were filed with the Secretary of State of New York(SSNY) on 07/17/17. Office location: Westchester County. SSNY has been designated as agent of the LLC upon whom process against it may be served. SSNY shall mail a copy of process to: The EdVault LLC, Michael Tarnow, 6 Robins Nest Lane, Larchmont,NY 10538. Purpose: Any lawful activity. #61439

Notice of Formation of Rachel Dalton Voice Over LLC filed with SSNY on 09/19/17. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, 39 Horton St. Rye, NY 10580. Purpose: any lawful purpose. #61440

Legacy Generator Company LLC, Arts of Org. filed with Sec. of State of NY (SSNY) 11/2/2017. Cty: Westchester. SSNY desig. as agent upon whom process against may be served & shall mail process to Erika Goyzueta, 121 S. Broadway, Irvington, NY 10533. General Purpose. #61442

Notice of Formation of Chuck Gracie & James, LLC Art.of Org. filed with SSNY on 11/7/17. Offc. Loc: Westchester Cty. SSNY desig. as agent of the LLC upon whom process against it may be served. SSNY shall mail process to the LLC, PO Box 287 Mohegan Lake., NY 10598. Purpose: any lawful purpose. #61441

The annual return of the St. Augustine Foundation LTD for the calendar year 2016 is available at its principal office located at 538 Riverside Avenue, Yonkers NY 10705 for inspection during regular business hours by any citizen who requests it within 180 days hereof. Principal Manager of the Foundation is John E. Fitzgerald. #61443

LEGAL NOTICE Ruby Red Innovation LLC has filed articles of organization with the Secretary of State of NYS on 11/07/2017. 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 95 Round Hill Drive, Briarcliff Manor, NY 10510. The company is organized to conduct any lawful business for which limited liability companies may be organized. #61444 Notice of Registration of Pollack & Kozupsky LLP. Cert/Reg. filed with SSNY 9-28-17. Office location: Westchester County. SSNY designated as agent for process. SSNY shall mail copy of process to: c/o Beth Pollack, 119 Cedar Hill Rd. Bedford, NY 10506 Purpose: To practice the profession of law. #61415

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NOVEMBER 13, 2017

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