Resource Center > Newsletters Newsletters At McCrate, DeLaet & Co., we know that an informed client is our best customer. And the Internet is a great education resource, with endless amounts of information just a click or two away. But sometimes it's nice to have help sorting through the virtual noise and clutter, so we have selected a few helpful articles for you to view. Check back often, for all the latest information on ways to manage your business and personal financial needs more effectively. When clicking on a link below you will be directed to another site. We are not responsible for the content of any such site, and do not endorse or approve that content.   Client Line Identity theft is a serious problem. Even if you personally haven’t been a victim, there’s a good chance you know someone who has. Congress has already passed legislation addressing the problem. A provision of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) charged a coalition of government agencies with the task of jointly developing rules to combat identity theft. The resulting regulation is known as the “Red Flags” Rule. Loose Change Got a handle on how much risk you can take? Filling out a risk profile questionnaire can be helpful, but it may not tell the whole story. Questionnaires generally focus on one aspect of risk — your risk tolerance. But there are other elements of risk that are just as important to consider when you’re choosing investments. Perspectives As the markets rebounded during the fourth quarter of 2009, outright fear has been assuaged but anxiety still runs high as inflation rates, the state of the housing market, and the unemployment rate remain at bear-market levels.  As we begin the new year, now is a perfect time to assess how these factors and the items below may affect your financial portfolio and how you can position yourself for success in 2010.