Thursday, Dec 14th

Last updateThu, 14 Dec 2017 10am

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Beware of Postal Mailboxes

mailboxFishingAs we move into a digital age, cyber crime has become our primary security concern. However, using devices no more high-tech than a string and some glue, thieves successfully steal checks, mail, and identities through a process so simple that we often miss it. It's called "Mailbox Fishing."

The crime is simple: thieves create a makeshift fishing rod by attaching an adhesive substance such as a rodent glue trap to a pole or string and "fish" mail out of blue US postal mailboxes. While unsuspecting victims believe they are safely mailing their cards, letters and bills, thieves have other plans. As the Westchester County District Attorney's office explains on its website: "Once your mail is stolen, any enclosed personal checks might be "washed," or wiped clean of all handwriting using an acetone solution and rewritten to change the payee and payment amount. The check will later be cashed or deposited and the money withdrawn. Often times, the check writer won't know for a month or more that the check has gone missing."

Last week, a Scarsdale resident was the victim of mailbox fishing, which resulted in theft of over $20,000 from her bank account through check forgery. She mailed nine checks at the US postal mailbox located on the corner of Maple and Summit Aves in White Plains. Five days later, she learned from her bank that her checks were stolen out of the mailbox and the amounts and payees were altered. Her signature was the only thing to remain from the original checks. Thieves presented three checks for cashing at there different banks, two such checks were rewritten for $9980.00, and upon the attempted cashing of the fourth check, the bank suspected fraud and the account was closed. While the money has been returned, the thieves still remain at large, and the Scarsdale police are now involved in trying to track down the criminals, who are likely part of a larger ring that is plaguing Westchester with this mailbox fishing scheme.

Earlier this year, Scarsdale Police arrested a man who had fished mail out of the mailboxes located on Woodland Place and on Chase Road in front of the Scarsdale Post Office. Mailboxes at other locations in Scarsdale, including the mailbox at the five corners in Heathcote, and a mailbox on Boulevard, have also been the targets of mailbox fishing. Other Westchester towns are confronting similar issues. The Yonkers Police Department has reported that the postal service is in the process of upgrading door style mailboxes in Yonkers to the drop-slot variety to help prevent mailbox theft. In Tuckahoe, residents also have complained about being victims of mailbox fishing, and in Tarrytown Police posted a warning on Facebook to "Beware of Mailbox Fishing!"

New York City has been struggling with this crime for a while, prompting NYPD to send out a tweet with tips to help stay safe from mailbox theft.

Scarsdale Detective Joe Serio has been investigating mailbox fishing and working with the other police departments in the county and the US postal police to help reign in the criminals responsible for the rash of mailbox theft. He recommends always walking your mail into the post office to either deliver it into a mail slot inside the post office or to hand it to a postal worker directly. As the Scarsdale resident who recently fell victim to mailbox theft summed it up: "I always thought that the blue mailboxes were a safe way to mail letters and bills. I wish I had known that they are no longer secure. It would have only taken me a few extra minutes to walk my mail into the post office. I definitely will make this my routine from now on."

New Tax Code Could Hit Scarsdale Hard

homepricesScarsdale residents and Scarsdale home values could both take a big hit when the new tax bill is enacted. At present the differences between the House and Senate versions of the tax bill will be reconciled by a conference committee and then enacted into law, but both versions include provisions that will be costly to many Scarsdale residents.

Both versions would hurt New York residents and especially residents in areas with high property taxes like Scarsdale as they limit the property tax deduction to $10,000 per year and completely eliminate deductions for state and local income taxes (SALT). According to the New York Times, Westchester County taxpayers are among 12 national counties that take the highest SALT deductions, with 47% of residents taking an average deduction of $34,300. However in Scarsdale, where the homeowner of an average house pays about $35,000 in real estate taxes alone, the impact of the loss of this deduction would be far greater.

The two bills differ on the deduction for mortgage interest. The limit for mortgage interest deductions are $500K for the House bill and $1mm for the Senate bill.

Moody's Analytics predicts that the elimination of the SALT deduction will cause housing prices to fall about 10%, as homes will have greater carrying costs per month and be less affordable to prospective buyers. If the House version of the bill is passed and mortgage interest deductions are capped at $500,000 in debt, this could further impact homebuyers and the Scarsdale real estate market.

David Gussman a Scarsdale resident and mortgage professional provided this back-of-the-envelope example of how a typical Scarsdale home buyer stands to fair under the new code:

Assuming a $10K property tax deduction is passed and the mortgage limit is reduced to a maximum size of $500K for deductibility of interest, Gussman determined that a new home buyer making about $500K per year buying a $1.7mm home in Scarsdale and taking a $1mm dollar mortgage could see the after-tax cost of the mortgage payment and property taxes increase by about 20% in comparison to the payment under the current tax code. The after tax cost of the 30-year fixed rate mortgage and property tax payments under the current law is $5,140 per month and after the changes it would be $6,140 per month, for a difference of $1,000 a month.

The impact will be different for different homebuyers depending upon their level of income, particular tax situation and which elements are included in the final version of the tax bill.

David Gussman is a mortgage professional who has managed ~$80B of non-agency mortgage bonds at Fannie Mae and ran product and technology for a company that collected information on every mortgage in America and provided data and analytics to holders of mortgage risk. He currently makes investments in start-up specialty finance companies and advises companies in the real estate/mortgage space. He lives in Scarsdale with his family.

New Retailers Coming to Town and more from Village Hall

AmericanBeechTreeGood news for downtown Scarsdale. At the Village Board meeting on Tuesday night November 14, Amy Nadasdi and Dalya Kahn reported on efforts by The Acceleration Project (TAP) to revitalize the Village center. TAP has been providing consulting services to current and potential businesses and has been successful at working with Village landlords to attract some new retailers to town.

The two reported that Rudy's Music Shop is coming to Scarsdale from Manhattan, and that Bango Bowls will soon be serving Acai fruit bowls and smoothies on Harwood Court. They also said that Bobby Vans is considering opening a family friendly restaurant in the site formerly occupied by Wuji.

TAP has now stepped in to manage the Chamber of Commerce and the "Light the Dale" tree lighting will be held in Scarsdale Village on December 1. The farmers market on Thursdays will be moved to an indoor location for the winter months.

All good!

Mayor's Comments:

Mayor Dan Hochvert asked drivers not to pass school buses that are stopped to pick up or drop off children.

He discussed the enforcement of a law that bars leaf piles in streets and reported that many landscapers are following the rules and they are not piling the leaves in the street. He said there appears to be fewer piles on the streets this year and asked residents to thank their neighbors who are complying with the rules and keeping Village streets passable

He also said that the creation of a dog park is under discussion. The Village may do a survey to find out if people would like one and to consider possible locations.

Batting Cages:

In other news, the Scarsdale Little League has contributed $50,000 to provide and maintain batting cages at Crossway Field #3. These will include batting machines. Residents of west Quaker Ridge were consulted and had no objections. Both the SHS Varisity and JV baseball teams will use the batting cages for training.

Heritage Tree:

Trustees approved a resolution to designate an American Beech tree in Chase Park as a Heritage Tree, signifying it is "unique and of importance to the community based on its species, size, age, location and/or historical significance. The tree joins an historic White Oak at the Womans' Club, Dawn Redwood trees at Library Pond, a Sugar Maple grove at Fox Meadow School and Tulip trees at Hyatt Field Park that have also been designated as Heritage Trees.

Speed Limits Around Schools:

Trustees held a hearing and approved a resolution to codify the speed limit on two streets near two elementary schools. Between 7 am and 6 pm on school days the speed limit is 15 miles per hour near Fox Meadow School on Butler Road between Brewster Road and Brite Avenue and in front of Greenacres Schhool at Huntington Avenue from Brewster Road to Montrose Road.

These speed limits are now included on a longer list of streets around Edgewood, Fox Meadow and Greenacres Elementary Schools where the speed limit on school days between 7 am and 6 pm is 15 mph to safeguard children.

Land Use:

Prior to the Village Board meeting, the village land use boards reported to trustees on activities and their thoughts: The Zoning Board of Appeals and BAR submitted brief summaries to the trustees. The Planning Board read a list of themes that it has encountered. The points raised by the land use boards included FAR, setbacks, roof lines, zoning "bonus" spaces, subdivisions, tree removal, rock removal, signage, etc. These items were raised as issues for the trustees to reflect and consider possible review or study.

Mold Found in Greenacres School Classrooms and Basement

water inflitration(Updated November 23, 2017) Confirming what many have suspected for years, the Scarsdale School District released recent findings of mold testing at Greenacres School in an email to parents from School Superintendent Dr. Thomas Hagerman and Assistant Superintendent Stuart Mattey on Wednesday November 22nd.  The report says the testing was done on October 11 and October 28, 2017.

Interior mold scores are measured in relation to mold scores on the outside of a building. Mold scores greater than 150 indicate a moderate probability that mold is originating inside the building and mold scores greater than 250 indicate a high probability.

According to the report, fungal growth has occurred in the basement of the school.In most samples from the basement, the mold score was 300, which is the maximum value on this scale, indicating the highest probability that the mold is from an interior source.

The humidity in the basement ranged from 63% to 71% and in the classrooms from 43% to 53%.  In the gym humidity reached 65%.  These readings were taken when the temperature in the rooms were in the 50's.  According to the report, "Humidity levels greater than 30% increase the potential for mold growth, and high humidity, 60% or greater can cause biological contamination."

Samples collected in the psychologists office, classroom 7A and 9 had scores of ranging from 164-204.

In classroom 2B, 22 and 35, the teacher's lounge, the scores range from 191-250 which indicate a moderate probability that the spores originated inside the classrooms. Mold was found on all three levels of the school.

It should be noted that the building does not have a full concrete foundation. Some areas have dirt crawl spaces and it appears that the rooms above these crawl spaces are the areas with the mold. The report done by Regulatory Compliance of Thornwood does not include testing of the dirt crawl spaces or information on how mold could be remediated there. Dehumidifiers were installed in the basement on one side of the school but these do not seem to be effective at eradicating mold in that area.greenacresrendering

The letter says, "Because there were some elevated scores for mold, the District will be following all the recommendations in the last few paragraphs of the abstract. This work will be performed over the Thanksgiving weekend. Re-testing of the affected areas will be scheduled for next week. We will also be sharing these results once in hand."

After years of hearing anecdotal reports about mold in the school, Scarsdale10583 sent a Freedom of Information Law (FOIL) request to Assistant Superintendent Mattey on July 21, 2017 requesting environmental reports, work orders for mold remediation and complaints from parents, students and teachers about excess moisture or mold from 1996 to 2015. The FOIL request was acknowleged, but despite multiple reminders to Mattey and School Board President William Natbony to date no information has been received. Their lack of response is against the law.  You can see the FOIL request here.

The Board of Education and Administration are in the process of finalizing plans for a major bond referendum to fund an addition to Greenacres School that leaves the older of the portions intact. If the mold is deemed to be an issue, they may need to rethink the proposal.

See the report on the district website here:

Two Shopping Events in Scarsdale This Week

shoppingbagsShop and Share in Scarsdale Village

On Wednesday November 15th, from 12-9pm, retailers I Am More Scarsdale, Wilson and Son Jewelers and Rothmans will donate 10% of all proceeds to the Sharing Shelf of Family Services of Westchester. There will be wine and spirits and delicacies at each shop provided by Cooked & Co and Zachys.

I Am More Scarsdale is having a trunk show featuring a new line of shoes and boots and will also feature new styles from existing vendors. Check out new offerings at Wilson and Son Jewelers and Rothmans as well.

Ladies Night Out at the Golden Horseshoe

On Thursday night November 16 from 5-8 pm, stop by the Golden Horseshoe for Ladies Night Out at Beginnings, Cheryl's Closet, Current Home and Shoe-Inn.

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