It Takes Courage to Change

the World

We were recently approached by a very large credit union here in Tucson, to help them

expand their wealth management and insurance divisions. Quite an undertaking, and if it’s in

the cards, as they say, things will come together!! Nonetheless, we were honored that they

thought of us, and knew of our reputation in the community.

Why do I bring this up? Because our industry is a constantly changing one, and if we don’t

stay ahead of the competition by offering you MORE, (through MOORE !!) somebody else

will!! That’s the nature of business. And as a friend of mine once told me, in the world of

business, “you will either be the lawn, or the lawnmower.” We choose to be the latter!

And so we are constantly innovating, doing our very best to bring you value-added

opportunities, products and services with increased utility, and unmatched customer attention

and service. It takes a certain amount of courage to step outside of the box, and do things (we’ve

just launched LTC Concierge) that makes the competition irrelevant. We will change the world?

Perhaps we will, one life, one family at a time.

What about you? Are you out to change the world, or is it “business as usual?” We challenge

you to go out and make a difference, one life, one family at a time!!

To a prosperous and healthy 2019,

Your Team at Moore Financial Strategies

January 2019 Volume 8, Issue 1

MOORE FINANCIAL

STRATEGIES

“Providing the

information you need to

make informed financial

decisions – none of my

clients have ever lost a

dime with my Safe

Money Strategies!”

Find us on the Web: www.moorefs.com

6711 E Camino Principal Tucson AZ 85715 (520) 296-4464 mark@moorefs.com

Pet owners have known for generations that pets bring joy and fulfillment to their lives. Scientists have researched the

topic over the years and have been able to repeatedly prove that pet ownership does in fact add to the quality of a

person's life. It’s a proven scientific fact that people with pets are healthier and live longer. We’ve known this for at

least 150 years. Dogs and cats are best for us but even birds, fish and horses can all be beneficial to our long-term

health and vitality.

Higher survival rates of heart attack patients who owned pets.

Petting a dog can reduce blood pressure

Interacting with animals can increase people's level of the hormone oxytocin

Taking the dog for daily walks helps us to get much needed exercise

Caring for an animal gives many people a feeling of purpose

Pet owners have less depression

Your spouse, kids, grandkids, great grand kids are wonderful but having a special friend pet friend

around can provide friend pet friend around can provide benefits that none of those people in your

life can. You can even borrow a pet for a while to experience the benefits without commitment!

Contact the national Humane Society for more details at

(866) 720-2676 or online at humanesociety.org

One of the most comprehensive studies into this

topic involved 3.4 million people over a period

of 12 years. The results were conclusive: pets

really do make a difference in people’s

lives. But the study also revealed some

unexpected, yet interesting, fact patterns.

Ownership of hunting dog breeds was

associated with a decreased risk of CVD,

cardiovascular disease. And having any

other type of pure bred dog appeared

to lower the mortality risk for all other

causes as well.

However, the study does mention too it

is possible that the reason people with pets

are healthier might be as simple as they get more

exercise as a result of playing with and walking a

dog. So the good news is that even if you are not

able to have pets for any reason you might be

just fine by getting more exercise anyhow.

The bottom line is that many studies show

people who get plenty of exercise and

love in their lives tend to live longer! If

you do those few simple things your

life will be longer and happier!

Click HERE for instructions on how to play Sudoku!

Studies Prove: having pets prolongs life!

National Institute of Health: “Staying cognitively active throughout life—via social engagement or intellectual stimulation—is associated with a lower risk of Alzheimer’s disease.”

There are many decisions to be made

around this time of year that can create

stress and take the fun out of the “season to

be jolly.” Every day there are more

decisions to make and more actions to take.

All of this “holiday stress” is compounded by

the normal level of stress on the job, in the

family, and multiple other sources. The way

many choose to manage all this stress is

overindulging in food, alcohol, watching TV,

and other behaviors that lead to negative

feelings toward yourself. Does any of this

sound familiar? Millions of people just try to

survive all this madness.

Here are 9 ways you can actually thrive and

emerge from the holidays ready for a good

start to the New Year. Thriving is not a word

that you may hear on a regular basis. It

means to prosper and to grow vigorously.

Surviving the holidays is most people’s goal.

After Christmas, they need a vacation to

recover from their vacation. Survivors,

however, do not grow from challenging

events of the holidays described above.

They are merely exhausted and glad they

are over.

Now, go and thrive – not just survive – the

holidays!

Cryptocurrency: Good Investment or Scam?

Cryptocurrencies are a digital currency in which encryption techniques are used to regulate the generation of units of

currency and verify the transfer of funds, operating independently of a central bank. Cryptocurrencies (such as Bitcoin) are

in the news daily. FINRA is issuing this Alert to warn investors to be cautious when considering the purchase of shares of

companies that tout the potential of high returns associated with cryptocurrency-related activities without the business

fundamentals and transparent financial reporting to back up such claims. Do your research before purchasing shares of any

company offering investment opportunities in cryptocurrency. And don’t be fooled by unrealistic predictions of returns and

claims made through press releases, spam email, telemarketing calls or posted online or in social media threads.

These actions may be signs of a classic "pump and dump" fraud. The SEC suspended trading in a number of

securities due to questions regarding the accuracy of cryptocurrency-related activities.

Especially in today’s “hot” cryptocurrency environment, it’s easy for companies or their

promoters to make glorified claims about new products, services and other cryptocurrency-

related connections. And, even when legitimate companies flock to a hot, new sector,

fraudsters almost always follow suit, exploiting the news to launch their latest frauds du jour.

Follow these tips to avoid costly mistakes.

Do not say "yes" to cryptocurrency stock purchases from an aggressive cold caller, even

if the claims sound plausible, particularly if the recommended stocks are very low-priced.

Don't feel guilty about hanging up. Not answering at all, or putting down the phone, are

generally the best and safest responses to a cold caller or anyone aggressively pitching

low-priced stocks or other investment opportunities.

Be suspect of anyone who makes guarantees that an investment will perform a certain

way, or makes pushy sales pitches that encourage you to “act now.”

Use FINRA BrokerCheck® to the check registration status of, and additional information about,

the people and firms who tout these opportunities.

Verify claims made by the company in the SEC's EDGAR database online. But remember, the fact that

a company that has registered its securities with the SEC doesn't mean that the company will be a good investment.

Be wary of stocks with huge spikes in price: this could signal potential manipulation or fraud.

Know where the stock trades and pay attention to any cautions associated with the stock. Most stock pump-and-dump

schemes tend to be quoted on an over-the-counter (OTC) quotation platform like the OTC Markets, which provides

icons to warn investors of concerns associated with a given company. A lack of warnings doesn't necessarily mean the

company will be a good investment.

Contact the US Securities and Exchange Commission

with questions or concerns about these investments www.SEC.gov

Be sure and tune in every Saturday morning or afternoon and listen to "Smart Money Moves"

7-8 AM on 790 KNST AM or online at www.790KNST.com

Synthetic Motor Oil: Top Benefits Motor oil is motor oil, right? Yes and no. Not all motor oil is created equal. Thanks to advances in technology, synthetic motor oil offers many benefits over its conventional counterpart. We’ll tell you what they are in a sec. But first, let’s start with the basics. What does motor oil do for your vehicle?

Oil is the blood of the engine. It’s the #1 thing you can do for your car. Motor oil helps:

Reduce friction and wear between engine parts. Protect your car’s vital components. Control hot and cold temperature variation. Improve the reliability, efficiency, and lifespan of your vehicle.

So what is synthetic oil? Many people get confused about the word, synthetic. While the exact definition depends on who you ask, it all comes down to two pieces of the puzzle:

The Base: Synthetic oil is more chemically-engineered than conventional oil, so its molecules are more uniform in shape and size, with fewer impurities. Only high-quality synthetic oils, such as Pennzoil Platinum®, use a base of natural gas. Conventional oils and lesser synthetic oils use crude oil as a base, which tends to have more impurities.

The Additives: Motor oil formulas today are roughly 20% additives. Both conventional and synthetic oils use additives. The difference is usually a matter of quality. Synthetic oils often come with higher-quality additives that protect, clean and do not degrade as quickly between oil changes.

Is synthetic oil better? OK, so synthetic oil has fewer impurities and better additives—but what does that actually mean for you and your vehicle? Top synthetic oil, such as Pennzoil Platinum, benefits can include:

Better hot and cold temperature performance, so you enjoy worry-free start-ups in freezing weather, and less burn-off when it’s scorching.

Enhanced resistance to motor oil breakdown due to oxidation and extreme heat.

Improved fuel economy, so you can save money on gas! Reduced engine drag for better horsepower. Less engine sludge, thanks to fewer impurities. Less frequent oil changes, which saves time (always follow your manufacturer

scheduled maintenance intervals). Greater engine wear protection.

Is synthetic oil right for my vehicle? The advantages we just listed make synthetic oil, like Pennzoil Platinum, a better option for most vehicles. Always refer to your specific vehicle manufacturer’s guidelines before choosing a motor oil type. Synthetic oil costs more than conventional oil. But for most vehicles, the benefits speak for themselves in the long run.

www.Pennzoil.com

Limited Time Only

For a limited time, Fidelity & Guaranty Life is increasing the initial interest rate for the

FG Guarantee-Platinum® 5, a single premium fixed deferred annuity, to 3.70% for new

annuity contracts issued on or after March 14, 2018. This initial rate is subject to change

at our sole discretion at any time. This initial rate is guaranteed for the first 5 contract

years only and is thereafter subject to change.

Along with this competitive initial interest rate, FG Guarantee-Platinum 5 offers: • Free withdrawals of all accumulated interest

• 30-day surrender charge free window after each 5-year rate guarantee period

Contact us today for more information!

Moore Financial Strategies 6711 N Camino Principal, Tucson, AZ 85715 (520) 296-4464 moorefs.com

1This initial interest rate is effective for new annuities with a minimum premium deposit of $20,000 issued on or after March 14, 2018 for

the first 5 contract years only. Thereafter, the company may declare at its sole discretion a new rate which could be lower. This initial

rate is also subject to change for new contracts at our sole discretion at ANY TIME. Surrender charges and market value adjustments

apply to withdrawals in excess of the accrued interest during the “guarantee periods” which are 5 years. There is a 30 day window at the

end of each 5 year guarantee period where you may withdraw all or part of your annuity value without application of surrender charges

or market value adjustment. A new guarantee period and surrender charge period will begin after the end of the previous ones. The

surrender charge is 9 percent in the first year and declines by 1 percent each year for the next four years and repeats for each successive

period. Annuities are long-term savings vehicles that are subject to limitations and conditions, state availability and certain suitability

requirements. Please see the applicable product brochure that is available from your licensed insurance professional for details.

Annuity contracts issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA. www.fglife.com. No bank guarantee. Not FDIC/

NCUA/NCUSIF insured. May lose value if surrendered early. Subject to state availability.

Product form numbers: FGL SPDA-MY-F (7-04) ICC14-1095 (06-14); et al.

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