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Notes: S&P 500, Gold, DJ-UBS Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT TR Index does include reinvested dividends and the three-, five-, and
10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods. Sources: Yahoo! Finance, Barrons, djindexes.com, London Bullion Market Association. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. N/A means not applicable.
CHILDREN ARE TARGETED FOR IDENTITY THEFT FAR MORE OFTEN than you might think. Thats right. A 2012 report from Carnegie Mellon CyLab found children are targeted for identity theft 35 times more frequently than adults. Thats because the unused social security numbers assigned to children for tax purposes are uniquely valuable to identity thieves. These numbers can be paired with any name and address and used for many years. Often the theft isnt discovered until a child applies for a student loan or a job, or tries to buy a mobile phone or a car. The report is based on 42,000 identity protection scans of children, ages 18 and under, that were completed during 2009 and 2010. Researchers found social security numbers for more than 4,300 children 10.2 percent of those scanned were being used by someone else (a stranger, a parent, or another family member) to: Buy homes and automobiles Establish credit card accounts Secure employment and get drivers licenses
The youngest victim was five months old. The victim of the largest fraud (about three-quarters of a million dollars) was a 16-year-old girl. The first step in protecting your childs social security number is to check with credit bureaus and find out whether a file has been opened using your childs social security number. In many cases, even if the number is being used, your childs full identity has not been stolen. In addition to contacting credit bureaus, watch for warning signs your childs social security number may be in play. These include receiving: Pre-approved credit card offers in your childs name Notices from the IRS indicating your child didnt pay income taxes Calls from collection agencies asking for your child
Source: Child Identity Theft, Richard Power, Carnegie Mellon CyLab; Federal Trade Commission Consumer Information, Child Identity Theft, August 2012
If you would like to learn more about how to protect your child from identity theft, visit the Federal Trade Commissions web site at www.ftc.gov, and click on Privacy and Identity, Repairing Identity Theft, and then Child Identity Theft.
P.S. Please feel free to forward this commentary to family, friends, or colleagues. If you would like us to add them to the list, please reply to this e-mail with their e-mail address and we will ask for their permission to be added. Securities offered through LPL Financial, Member FINRA/SIPC.
* This newsletter was prepared by Peak Advisor Alliance. Peak Advisor Alliance is not affiliated with the named broker/dealer. * The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. * The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market. * Gold represents the London afternoon gold price fix as reported by the London Bullion Market Association. * The DJ Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998. * The DJ Equity All REIT TR Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones. * Yahoo! Finance is the source for any reference to the performance of an index between two specific periods. * Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. * Past performance does not guarantee future results. * You cannot invest directly in an index. * Consult your financial professional before making any investment decision. * To unsubscribe from The Monarch Report please reply to this e-mail with Unsubscribe in the subject line, or write us at krista.bowen@lpl.com.
Sources: http://online.barrons.com/mdc/public/page/9_3063-economicCalendar.html?mod=BOL_Nav_MAR_other http://www.cbsnews.com/8301-505123_162-57569576/world-stocks-fall-on-slumping-german-economy/ http://finance.yahoo.com/news/decent-rally-perhaps-time-pause-201302503.html http://online.wsj.com/article/BT-CO-20130215-712155.html http://www.investopedia.com/university/bonds/bonds3.asp#axzz2LGPvivPS http://www.investopedia.com/terms/l/law-of-supply-demand.asp#axzz2LGPvivPS http://www.finra.org/Investors/ProtectYourself/InvestorAlerts/Bonds/P204318 http://www.consumeraffairs.com/news/identity-theft-increasingly-targeting-children-012813.html http://www.cylab.cmu.edu/files/pdfs/reports/2011/child-identity-theft.pdf http://www.experian.com/ask-experian/20111123-what-to-do-when-daughters-ssn-is-being-used-to-open-creditcards.html http://www.consumer.ftc.gov/articles/0040-child-identity-theft#Warning http://thinkexist.com/quotes/top/occupation/economist/