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November 2019 Newsletter




Are you Prepared for a Bear Market?

As you prepare for retirement, it may be helpful to know that there are some potential realities that traditional retirement advice may overlook or ignore. If you’ve ever visited New York City, you may have seen the famous bull statue in the financial district.

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Ancient Games That Changed The Rules ¹

Nine Men’s Morris

A precursor to Tick-Tack-Toe, Nine Men’s Morris is a game in which counters are placed on a grid with the aim of creating lines of three. Once all the pieces are down, they can be moved one space per move. Whenever a player forms a row of three, he can remove one of his opponent’s pieces from the board. The first player down to two pieces loses.

People across the world could create their own easily. Some dated as far back as 1440 B.C. have been found carved into rocks in Sri Lanka, Bronze Age Ireland, and ancient Troy. Fans even carved the board into seats, walls, and tombstones across England.


Mancala refers to a family of games with the same basic method of play. Known as count-and-capture games, there is some evidence to suggest that they may be the earliest games played. To play the game, all you need is a patch of soft ground and a handful of seeds or pebbles. Rows of holes are dug alongside one another, and players distribute counters one at a time in a path round the board. There are a number of goals; but the key to victory in every version is basically to count really fast.



Financial Well-Being and the Importance of Feeling Secure

When it comes to discussing your finances, it can sometimes feel like a complex math problem. There’s a bottom line that you’re trying to make add up, and the way to get there is by exploring facts and figures.

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Sweet Potato Bites ²

Need a last-minute Thanksgiving appetizer? Look no further, this one's sure to be a hit!

Let's Get Baking!



E.T.S. Financial Services, LLC. is not affiliated or endorsed by the Social Security Administration or any government agency.

Investment advisory services are offered by First Advisors National, LLC, a Registered Investment Advisor in the State of Georgia.

Some of these materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.


Eric Scoggins
© ETS Financial Services, LLC.

3460 Summit Ridge Parkway
Suite 601

Duluth, GA 30096
T: (770) 652-3496



© ETS Financial Services, LLC.
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Suite 2
Hoschton, GA 30548



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