* We take our subscribers' privacy rights seriously. The names have been changed to protect their identities.

You see... most adults have over a 50% chance that they are owed something, according to a Denver Post survey. So, we've spent the past few weeks cross-referencing unclaimed property accounts in all 50 States with the names in our subscriber files.

After this exhaustive process, we estimate that more than 50,000 S&A subscribers could have unclaimed money they know nothing about.

And since just about everyone is looking for ways to get extra cash right now, we've put together this FREE Special Report to help you find it.

In the following pages, we list the names of dozens of people with unclaimed cash... how much they're owed... and most importantly, how to claim this money now.

So, how do you know if you have unclaimed money...?

Well, if you can answer "yes" to any of the following questions, there's a good chance there's unclaimed cash in your name.

1. Have you had a relative pass away?

Did a loved one pass away without leaving accurate records? Did some of their assets go "undetected?" Did they forget to list a savings or checking account in their will?

You'll never know unless you check.

83-year-old Arlene G., for example, received an insurance check for $525,327 after her late husband didn't account for it in his will. "I had no idea the money was there," she told a local paper.

Arnold J. in Louisiana found out that his father, who died in 1987, had a credit union account worth $17,421.61 that went unaccounted for.

A Montgomery County, Maryland man recently received $355,000 in stock – money that had gone undetected among his late father's assets. 

URGENT: D. Larson, last known to live in Toledo, Ohio is owed $252, 806.73. Mr. Larson, if you're out there, please claim your money.

2. Have you ever owned a dividend-paying stock?

Have you received every dividend check owed to you? Did your financial institution mail your dividend checks to the wrong address? Were you given shares of stock as a kid, only to forget about them?

All these scenarios are common.

Theresa S. from Denver, for example, recently found she had $21,177 in uncollected stock dividends, sitting in the State's unclaimed property office (financial institutions usually turn over unclaimed property to state and federal government, until the rightful recipient claims them).

Jason P. from Baton Rouge recently learned that the state office had $750,000 in stocks and dividends waiting for him, from an investment account he lost track of years ago.

And relatives of an elderly Maryland woman recently discovered she had un-cashed dividend checks worth more than $200,000.

URGENT: The Texas Unclaimed Property office is currently looking for J. Jordan, of Dallas. He has $240,577.66 waiting for him in his name. Mr. Jordan, are you reading this?

3. Have you ever changed your address?

Did you move and forget to give a forwarding address to a financial institution? Does a former employer have an un-cashed check waiting for you?

This is another common way folks leave behind large sums of cash...

Claire W. from Northwest Baltimore recently learned that she had $40,000 in stock listed with the state under a name and address she hadn't used in years.

Samuel S. of Longmont, CO found he had a $220 paycheck coming from an employer he worked for in the 1990s. "It's extra money I need," he said.

URGENT: E. Haskins, last known to live in Bowling Green, Ohio has a $42,463.12 check waiting for him at the State's unclaimed property office. Mr. Haskins, if you're reading this – the state of Ohio wants you to claim this check.

4. Have you taken part in company stock or pension plans?

Did you switch jobs and forget to transfer or recover your pension or 401(k)? Did you own shares in company stock, only to forget about them after you left?

Gary M. of Wisconsin bought $100 worth of GE's stock through an employee stock program in the early 1980s. Eventually, he switched jobs and forgot about the money. Today it's worth $2,500. "It's a blessing," Gary told a local paper. "It's been able to keep me one step ahead."

Ralph S. from Ohio discovered he owned $3,366 worth of stock in a company he worked for in the 1970s. "I had no idea it was out there," he told the press.

And there's a ton of money in forgotten pensions too...

"Pensions may be going the way of the dinosaur, but there's still plenty of cash left from people who forgot to claim them. There's about $133 million in unclaimed pension funds," says Gary Pastorius of the Pension Benefit Guaranty Corp.

URGENT: T. Janowitz, last known address in Kirkland, WA is owed $37,191.31. Mr. Janowitz, there's a lot of money waiting for you.

5. Have you ever held a bank account?

What ever happened to your old childhood bank account? Did you switch banks and forget to close an account? Are there inactive bank accounts somewhere in your name?

It's easy to lose track of bank accounts, especially when they're small. The good thing is that they can grow big over time, with the magic of interest.

Kayla G. of Hollywood, FL stands to reclaim more than $5,000 from a bank account she left behind years ago.

Harry R. from Utah recently discovered $12,000 in a forgotten account from a family company.

URGENT: The State of Nevada is looking for a man with a bank account that's grown to more than $2.7 million. Is this you?

More places your unclaimed cash may be hiding. . .

Have you ever held savings bonds? Right now, there are more than $15 billion worth of savings bonds that have stopped earning interest but have yet to be claimed, according to the U.S. Treasury Department. Do any belong to you?

Filed a tax return? The IRS was recently looking for nearly 97,000 people who were owed more than $80 million in tax refunds. That's an average of more than $820 per person! Are you on the list?

Held a stock certificate? A Tulsa, OK woman received stock and cash worth more than $940,000. She thought inherited stock certificates from her father had been destroyed. Are there lost stocks in your name?

Received a personal check? Michael B. of Orlando recently discovered an un-cashed check for $400, just sitting in Florida's Bureau of Unclaimed Property. Are there any lost checks made out to you?

Does your family have old property claims? A Washington, DC man learned he had $186,000 for him from an old "right-of-way" property claim dating back to the 1800s! Do similar claims for you exist?

A few more possibilities...

Abandoned property Lost social security payments Contents of safe deposit boxes Long-lost relatives' estates Lost refunds Unclaimed inheritances Oil and gas royalty payments Unreturned security deposits Child support payments Utility and phone companies Individual retirement accounts Personal savings Un-cashed money orders Unused gift certificates Life insurance policies

If you answered, "yes" to ANY of these questions... chances are good there's unclaimed cash in your name...

Here's what to do now.

How to claim your cash

Before I go any further, let me explain who I am, and why I've sent you this report.

My name is Brian Hunt.

I'm the Research Director at Stansberry & Associates Investment Research. My job consists of tracking down and researching just about every investment opportunity under the sun...

But I read something recently (that has nothing to do with investing) that I simply could not ignore...

Did you know that U.S. state and federal governments are currently holding more than $32 BILLION in unclaimed money and other assets?

$32 BILLION.

So, I began to wonder... who do they owe all that money to... do any of our readers have unclaimed cash they don't know about... and how can these folks claim what's rightfully theirs?

For example, did you know that in Florida, there's more than $1 BILLION dollars in unclaimed money? In fact, government officials recently compiled a list of more than 8 million people who are owed money there. In other words, if you live in Florida, chances are good that you or someone you know is going to have some money.

Or, did you know that the Georgia Department of Revenue currently holds more than $684 million in unclaimed property, yet only $12 million of it was claimed last year? Again, if you live here, chances are good there's money owed to you.

Armed with this information, we took on a research project to see who might have unclaimed cash in our reader files. As it stands, we estimate thousands of S&A subscribers – in all 50 states – may have unclaimed money.

Remarkable, right?

Next, to help our readers take advantage of the situation; we put together a comprehensive research guide on how to find and collect unclaimed cash. It's called: How to Find Unclaimed Money in Your Name.

How can this report help you?

This report details the two most comprehensive online databases that will show you any money you're owed. 

The first is a free, State-endorsed national database. It's a collection of State governments working together to reunite owners with their unclaimed property. This database is user-friendly, simple to navigate, and free to use. The search box is at the top of the page. One box for your first name. One box for your last. It takes less than 10 seconds. You can try other family members' names as well.

The second database was opened to the public in 1995. Today, it catalogs over 30 million unclaimed accounts and continues to add new ones every day. Its records go back as far as the early 1900's, so you can even search the names of your deceased relatives. This database is also user-friendly and easy to use.

Most importantly, each database will provide you with all of the detailed account information needed to contact the financial institution holding your money. So you'll know how, when, and where to get your money.

It couldn't be any easier.

We used these resources ourselves to find folks on S&A's staff with unclaimed money. Porter Stansberry and Matt Badiali, for example, both had unclaimed shares of stock given to them when they were young. Blue Cross Blue Shield apparently owed Steve Sjuggerud handfuls of money too.

Of course, if you prefer to contact the institutions holding your money, rather than using a database, we'll show you how to do that too. Our report provides the contact information for the unclaimed property offices in all 50 States, the District of Columbia, Puerto Rico, the U.S. Virgin Islands – and Quebec, British Columbia and Alberta.

So, is it worth a few extra seconds to find out if there's cash out there, for you?

We think so...

Everything you need to know is laid out simply and clearly in our new Special Report, How to Find Unclaimed Money in Your Name.

The best part is, I'd like to send this report to you absolutely FREE of charge.

Let me explain what I mean...

FREE report explains everything you need to know

I'd like to send you this research report on the unclaimed cash opportunity, free of charge, when you try a subscription to our 12% Letter investment research advisory, which details dozens of unique ways to generate extra income, and get more cash.

The 12% Letter is written by one of our top analysts, Tom Dyson.

Tom's been an equity analyst his entire life. Much of his formal training came on the trading floor at Citigroup – the largest bond-trading firm in the world. There, trades of as much as $4 billion passed over his desk every single day.

In short, Tom's specialty is finding "off-the-beaten-path" ways to make money – without taking big risks.

For example...

Tom found an unusual business in America that is one of the most profitable companies in the world – and is increasing the dividend it pays shareholders by about 30% every year. Since November 2002, the company has increased its dividend to shareholders by an incredible 552%. If you buy this company today, I expect you will collect an easy 250% gain over the next few years – even if the share price goes nowhere.

He found another dividend-paying company in America (located in Southern California) that's unlike any other business I've ever seen. In short, this company wants to pay you a monthly check, every single year, for as long as you own it. As of October 2008, The Monthly Paycheck Company, as Tom calls it, has paid monthly dividends for 38 STRAIGHT YEARS. They've increased the dividend 51 times in the past 13 years! Since going public, the Monthly Paycheck Company has returned 2,471% gains – which includes a check sent to your house or brokerage account, every single month. These results are more than 2,000% better than the stock market as a whole during the same period (measured by the S&P 500 Index).

Since Tom's started writing The 12% Letter, after leaving the world of corporate finance behind, we think he's taught a lot of people how to find unique ways to make a fortune from their investments.

Some of these nice folks have written us recently. For example...

"Love monthly checks..."

"I have been receiving monthly checks since I subscribed to 12% Letter last year. Thanks for the recommendation and I would recommend to anyone who wants to "TURBO CHARGE" their retirement saving."

– Samuel Charles, Trenton, NJ

"Plan to retire in one year..."

"I am using the 12% newsletter as my primary source of investment for my retirement income. I plan to retire within a year."

– Harry Childes, Coral Gables, FL

"Just collect the checks..."

"I don't want to have to find the time to monitor my trades and with The 12% Letter, I don't need to... just collect the checks."

– Rick Thames, Pasadena, CA

"7 Payments per month..."

"[The 12% Letter] is exactly what I wanted and needed. I was looking for income with some chance of increasing stock price and the recommendations have done exactly that. I average 7 payments per month, or about 80 per year for about $140,000.

– Stewart Monahan, Indianapolis, IN

The basic premise of The 12% Letter is simple: Tom will show you unique ways to collect huge amounts of income and dividends, often as high as 12% or more, without taking big risks.

Every month, he reports on the highest-paying opportunities in the market. He'll show you everything you need to know to make three times as much money as you'd make with typical stocks, with far less risk, and far less work.

Here's another example of the high-return investments opportunities I'm talking about...

How to Multiply Every Dividend You Get
(Turn a paltry 2% dividend into 50% or more) 

Did you know there's a way to multiply every dividend you get...?

And turn an ordinary 3%, 4%, 5% payout into 30%, 50%, 100% or more?

Well, there is... simply by taking advantage of an obscure corporate loophole that was once reserved strictly for the employees of America's biggest Blue Chip companies.

Don't worry, you don't have to use options or sell covered calls... or do anything tricky or speculative like that. All you have to do is make one small change in the way you buy stocks.

This is one of those things Tom picked up while working the bond desk at Citigroup – one of those "secrets" professionals use almost exclusively yet the average investor rarely hears about.

In fact, The Journal calls it "the best kept secret on Wall Street."

While he was at Citigroup, Tom saw first-hand how this secret enabled his co-workers and some in-the-know shareholders to earn an enormous 34% on their initial stake – while most other folks were getting the company's regular 2% dividend.

Amazing, right?

But probably the most shocking thing he uncovered about this income secret is that companies are actually forbidden from advertising it to the general public. So unless you've worked for one of these companies before, or know someone who has, you probably have no clue it even exists.

He even took advantage of this "dividend boost" himself. And when he left the firm a few years ago he did some digging and found that the same program is available at lots of other firms as well.

It's quite possibly the most lucrative corporate perk ever created.

What kind of difference does this little-known income boost make?

Just ask 61-year-old Johnson & Johnson shareholder, Bernard Cantwell.

While most shareholders take home the company's "advertised" 2.7% dividend, Cantwell earns a whopping 39% on his initial stake!

That translates into an incredible $3,900 per year in dividends for every $10,000 invested. Compare that to the $270 most folks get from the regular dividend – and you'll see what a difference this boost can make in your finances.

So far, Cantwell's made more than $81,000 since he began boosting dividends. As he said recently, "I will probably never sell this stock."

And Cantwell's not the only one...

5% multiplied into 43% – 74-year-old AT&T shareholder David Schaffer is another example. While most shareholders earn the company's "usual" 5% dividend, Schaffer multiplied his to an unbelievable 43%! That's nearly 8-times bigger than normal. So far he's profited more than $84,000!

5.5% multiplied into 32% – Or how about 42-year-old DaimlerChrysler shareholder, Annette Riordan. Regular Chrysler shareholders get less than a 5.5% dividend. Riordan however, was able to multiply hers to an incredible 32%. That's nearly 6-times bigger than normal. So far, she's profited more than $14,000 in just a few short years. Incredible, isn't it?

That's why this is the perfect investment strategy for these bad economic times.

But the best thing about this unique corporate loophole is that once you start taking advantage of it, your dividends never stop growing.

In other words, it's possible for your dividend yields to grow to 100%... 200%... or more on America's safest stocks.

Because Tom's been involved with this unique benefit firsthand, he'll show you exactly how it all works and how you can begin using this secret to get fantastic dividends – just like America's top executives do.

The full details are included in his special report: The Dividend Boost. This report will tell you exactly how this program works and how you can get involved.

He'll even show you how you can start multiplying the dividends you're already getting – from the stock you already own.

Just like the report on unclaimed money, The Dividend Boost is yours free, simply for taking a trial subscription to The 12% Letter.

So, is The 12% Letter right for you? Of course, only you can decide. But I have to warn you, it's not for everyone...

Why this may not be for you

You won't find the next big thing in The 12% Letter.

If you want information on hot investment trends or risky penny stocks... this is not the place to look.

Instead, Tom simply investigates the best opportunities in the world to collect enormous dividends and unique opportunities to earn extra cash.

In short, his philosophy is simple: Make sure you can get paid.

If you buy a typical stock, you have no idea when or if you'll ever get your money back.

But instead of holding regular stocks, with the hopes of cashing out one day, we suggest you try a different approach. Get paid for your investments instead. And start collecting thousands of dollars every month in extra income.

You won't know for sure if The 12% Letter is right for you until you try it.

That's why we've tried to make it as easy as possible for you to give it a no-risk, no-obligation look. Just let us know you want to give it a try, and we'll send you everything described in this letter.

The total 12% Letter package includes:

Special Report #1: How to Find Unclaimed Money in Your Name. Most adults have more than a 50% chance they have unclaimed money. Armed with this information, we took on a research project to see who might have unclaimed cash in our reader files. We estimate thousands of S&A subscribers—in all 50 states—with unclaimed money they know nothing about. This report details the two most comprehensive online databases that will show you any money you're owed.  Most importantly, each database will provide you with all of the detailed account information needed to contact the financial institution holding your money, so you'll know how, when, and where to get your money.

Special Report #2: The Dividend Boost. While most folks earn tiny 2%-6% dividends on Blue Chips (like Pepsi, Johnson & Johnson, and AT&T) savvy Americans are secretly multiplying these small yields to dizzying heights – earning an incredible 30%-50% on the exact same shares. In this report you'll learn the full details of these rarely advertised programs including the names of my top 4 "dividend boost" companies, who to contact in each firm, how to buy shares, and much, much more.

Plus you'll get Tom's full 12% Letter report every month on the best current way to collect large dividends and extra cash... and our DailyWealth email, which keeps you updated on what's going on in the markets, and what Tom's investigating next.

Then, I'd like you to take the next six (6) months to decide whether or not you want to keep your subscription. That should give you plenty of time to see Tom's work firsthand, and to see how it performs.

If you decide The 12% Letter is not for you, no problem – just let us know and we'll send you a refund. There's simply no sense in doing business together if you're not happy.

So, how much does The 12% Letter cost, and how can you immediately receive everything I've mentioned here?

Well, before I give you the details...

There's one more unique opportunity I'd like to tell you about. I recommend you take advantage of this situation right away...

BOOST Your Savings Rate

Most Americans put their savings in an ordinary bank account – and collect a tiny 2% to 3% interest a year.

But I'd like to tell you about a unique opportunity offered at one of the safest institutions in America, which has averaged more than 25% a year for the last 14 years.

It gets better: If you invest your money, the company will send you a dividend check, every single month. This unique company has got a perfect track record. It hasn't missed a dividend payout since going public 14 years ago. In fact, it's increased dividends every year since 1994.

A $10,000 investment back then would be worth more than $250,000 dollars today.

Can you say that about your savings account?

This unique "Stock Market Savings Account" is taking the investment community by storm. Just look at what a few people who have taken advantage of the situation are saying:

•	"It's the best thing I've ever done with my money. I've made tens of thousands of dollars... and I've been paid every single month since then... Over the past three years, I've collected about $9,000 in monthly dividend payments. And I still get a check... every single month. It's never failed me."
	--J.C. Riley, Hot Springs, AR

•	"I first got involved in 1994. I heard about it from my parents. I've collected a check every month for the last 14 years. It still comes to my mailbox every single month.
	--Benjamin Singer, Fort Meade, MD

•	"What's great about this... is that I've never seen [anything] so consistent in increasing their dividends, and paying those dividends, without fail, on the same day every month. Now... the annual income is over $5,000 per year. This is one of the best investments I ever made. I've recommended it to friends and family over the years, absolutely."
	--Casey Fitzsimmons, Orange County, CA

If you take a trial subscription to The 12% Letter, we'll send you all the details you need to get started right away – FREE of charge – in my Special Report called, The Stock Market Savings Account.

Here's how to get started today...

Special offer for new 12% Letter subscribers

Many readers pay $99 a year for Tom's research. But if you agree to try The 12% Letter today, I'd like to offer you an even better deal...

A full year of research and reports for just $49.50.

Here's everything you'll get:

Special Report #1:  How to Find Unclaimed Money in Your Name
Special Report #2: The Dividend Boost
Special Report #3: The Stock Market Savings Account

Sign up today and you'll receive instant access (within 15 minutes) to all of these reports on our subscribers-only website.

You will also begin receiving The 12% Letter on the third Tuesday of each month, sent first by e-mail, then by regular mail too.

The way I look at it, the longer you wait to get in on these investment opportunities, the less money you will have for retirement.

Quite frankly, I believe The 12% Letter and our investment reports will change the way you invest forever. And I hope this will be the beginning of a long relationship.

If we help you make a lot of money, you'll most likely keep reading our research.

But on the other hand, if you're not completely happy, we'll gladly give you a refund, just for giving Tom's service a try.

To get started, and to get instant access to all of the investment research I described in this letter, Subscribe Now

Sincerely,



Brian Hunt,
Research Director, Stansberry & Associates Investment Research

P.S. I meant what I said about being happy with The 12% Letter – which is why I'm prepared to offer you the best guarantee I can think of. I would like you to have the next six (6) months to decide if Tom's research is right for you. In other words, sign up today, and you will have six full months to decide whether or not you want to pay for his research. If not, let us know any time during that period, and you'll receive a full refund – no questions asked. If you decide after the first six months that my research isn't right for you, we'll still give you a prorated refund. That's a promise.