Barry P. Debany

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/4605/DSCN7802.jpg" alt="Barry P. Debany" height="443" width="590" border="0"> </td> </tr><tr><td> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Barry P. Debany</b> <br> <br>TARRYTOWN OFFICE:<br> 303 South Broadway Suite 103<br><br />Tarrytown, NY 10591<br> <br>Phone: 914-366-4900<br> <br>FAX: 775-254-1326 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:Barry@debanyfinancial.com"> Barry@debanyfinancial.com</a> <br> </td> </tr> </table> <br> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p>Email should not be used to enter trades.</p><p class="MsoNormal" style="margin: 0in 0in 0pt">L0112232902[exp0513]</p> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA2_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/A/TA2_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/A/TA2_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=137" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Impact of Inflation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=126" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Net Worth</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>A balance sheet summarizes your assets and liabilities and reveals your net worth.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=142" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Mortgage Acceleration</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator can help you determine how soon you can pay off your mortgage.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=140" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Home Affordability</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate of the maximum amount of financing you can expect to get when you begin house hunting.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/A/TA2_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2836" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">The Difference Between the Debt and the Deficit</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3113" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Is Your Business Ready for a Structure Change </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2841" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Current Economic Conditions and the Prospect for Inflation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Inflation jumped up to 3.2% in April. That’s still below the 50-year average but it may be little consolation for anyone who has been to a gas station or a grocery store recently. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2887" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">HOT TOPIC: Are Housing Troubles Standing in the Way of Growth?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> In the wake of past recessions, the housing industry provided a meaningful economic boost. This time around, the pace of the recovery has been more sluggish than expected, and ongoing weakness in the housing sector may be to blame.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/A/TA2_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/A/TA2_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>January 27, 2012 @ 10:36 PM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>12,660.46</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 74.17</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,816.55</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 11.27</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$NDX" target="mondo"><strong>Nasdaq 100</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,461.77</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 7.14</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,316.33</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 2.10</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TNX" target="mondo"><strong>10 Year Treasury Note</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1.90</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 0.03</strong></font></td></tr> <tr><form action="http://www.emerald.idmanagedsolutions.com/stocks/quote?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/A/TA2_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/A/TA2_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/A/TA2_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/A/TA2_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/A/TA2_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> </table></div></body></html>