Speros Financial Life Insurance Happy New Year’s Eve

Speros Financial Life Insurance Happy New Year’s Eve
http://www.sperosfinancial.com/ 602-531-5141
Hope ya’ll have a Happy New Year’s Eve tonight! Be safe and have fun bringin in the New Year!!
Lets all start the year off Right!!

Vasilios "Voss" Speros 602-531-5141
480-840-2000 #lifeinsuranceQuote #LongTermCare
http://www.sperosfinancial.com/
http://www.sperosfinancial.blogspot.com/
http://www.linkedin.com/pub/vasilios-%22voss%22-speros/60/722/67b
https://plus.google.com/u/0/110837956257670674290/posts
http://www.pinterest.com/voss53/speros-financial/
voss5335@gmail.com
85018

— with Terry E Kurtzer and 2 others in Phoenix, AZ.

Speros Financial Life Insurance Tip of the day

Speros Financial Life Insurance Tip of the day
http://www.sperosfinancial.com/ 602-531-5141
Lead by example and Start a tradition that will pass its way down. Lock in your child's or grandchild's Insurability early, Permanent Life Insurance Savings Plan, for their future.

Vasilios "Voss" Speros 602-531-5141 480-840-2000
#lifeinsuranceQuote #LongTermCare
http://www.sperosfinancial.com/
http://www.sperosfinancial.blogspot.com/
http://www.linkedin.com/pub/vasilios-%22voss%22-speros/60/722/67b
https://plus.google.com/u/0/110837956257670674290/posts
http://www.pinterest.com/voss53/speros-financial/
voss5335@gmail.com
85018

— in Phoenix, AZ.

Speros Financial Life Insurance Tip of the day

 

Speros Financial Life Insurance Tip of the day
http://www.SperosFinancial.com/ 602-531-5141
Every day we get older, you will only be your youngest today.
The same goes for life insurance, every day the premium goes up.
Lock in your premium today at the youngest you will be.

Vasilios “Voss” Speros 602-531-5141 / 480-840-2000
#LifeInsuranceQuote #LongTermCare
http://www.sperosfinancial.blogspot.com/
http://www.linkedin.com/pub/vasilios-%22voss%22-speros/60/722/67b
https://plus.google.com/u/0/110837956257670674290/posts
http://www.pinterest.com/voss53/speros-financial/
voss5335@gmail.com
85018

— in Phoenix, AZ.

Speros Financial Life Insurance Tip of the Day

Speros Financial Life Insurance Tip of the Day
www.vasiliossperos.nylagents.com 602-531-5141
Did you know, Cash Value Life Insurance or permanent life insurance can be used to pay your long term care premiums later in life? When you retire you can change your permanent life insurance policy do it pays for its self and use the remaining cash value to pay for long term care.

Vasilios "Voss" Speros 602-531-5141
480-840-2000 #lifeinsurance #LifeInsuranceQuote
http://www.sperosfinancial.blogspot.com/
http://www.linkedin.com/pub/vasilios-%22voss%22-speros/60/722/67b
https://plus.google.com/u/0/110837956257670674290/posts
http://www.pinterest.com/voss53/speros-financial/
vsperos@ft.newyorklife.com
voss5335@gmail.com
85018

— in Phoenix, AZ.

Speros Financial Life Insurance Mid Week Tip

Speros Financial Life Insurance Mid Week Tip

www.vasiliossperos.nylagents.com 602-531-5141

5 Easy Budgeting Tips to Start That Retirement Account

Don't know where to begin? Start here...

Are you looking to start saving for retirement and don’t know where to begin? The best thing to do is start with small steps. Starting the habit of savings is half the battle. The key is to begin saving in small amounts as your income allows. The traditional thinking is to save at least 10-12% of your income in a savings vehicle of your choice.

If you’re in your 20s, you have a lot of time before retiring and can save smaller amounts. If you start saving in your 30s and 40s, you’ll need to save significantly more per month to reach your retirement goals.

No matter where and when you start, the point is to start. Even if you save a few dollars a month, it will add up over time. Below are 5 easy ways to start budgeting and begin to build your retirement account.

1 – Set An Automatic Deposit

Most banks will let you set up an automatic deposit on the same day each month. That’s an easy way to set a specific amount aside without having to even think about it. You can always adjust it up or down, depending on your income and expenses. Consistency is the key, even if it’s only $10 a month. You can also designate part of your paycheck to be directly sent to a savings account or to have a percentage contributed to a 401(k), which will go directly toward your retirement savings goal.

2 – Get The Company Match With A 401k

If your employer offers a 401k, definitely take advantage of it, because it’s free money that you can put toward retirement. Most employers will match at a certain percentage of your contributions, up to a certain amount.
For example, if your employer matches 50% of all your contributions up to 6% of your income, and you make $40,000 a year, you would get $1,200 from your employer. That’s because you would contribute $2,400 to maximize on that 6%, and then get an additional 50% of that from your employer.

3 – Spend Your Cash, Save Your Change

Only spend the bills and keep the change every time you buy something. You’ll be surprised how much you can save if you stick to it! When the coffee can is full, take it to a Coinstar machine, get the cash and deposit it in your savings or retirement account. This is a great way to establish the habit of saving.

4 – Use Your Tax Return Money To Open A Retirement Account

Many people splurge when they get their tax refund from the IRS. Rather than spending it, use it to open a new retirement savings account. This is an easy way to get yourself set up and on your way to saving. If you make it a rule to deposit your tax return money in your retirement account every year, you’ll be putting that hard-earned cash to good use.

5 – Just A Got A Raise? Use It As Savings

Every time you get a raise, bump up your savings by $10. This will help you adjust to saving more and more in comfortable amounts. This will also condition you to keep a healthy perspective as your income rises.
Final Word
Remember, you don’t have to know everything about retirement planning or have a counseling session with a professional financial advisor to begin saving for retirement. When you’re ready to sit down and do some serious planning, that can come later.
The point is to open a savings account and start saving what you can now.

Vasilios "Voss" Speros 602-531-5141
480-840-2000 #lifeinsurance
http://www.sperosfinancial.blogspot.com/
http://www.linkedin.com/pub/vasilios-%22voss%22-speros/60/722/67b
https://plus.google.com/u/0/110837956257670674290/posts
http://www.pinterest.com/voss53/speros-financial/
vsperos@ft.newyorklife.com
voss5335@gmail.com
85018

— in Phoenix, AZ.

Speros Financial Life Insurance Tuesday Tip!

Speros Financial Life Insurance Tuesday Tip!
www.vasiliossperos.nylagents.com 602-531-5141

Mom always said you can never be too prepared. And now that you’ve endured many downpours without an umbrella and blizzards without snow boots, you’ve started to think: maybe she was right after all. 

Now that you’re a grown-up yourself, you know being prepared goes well beyond warm hats and dry boots. So how do you ensure a bright and secure future for the people you care about most? The answer’s simple: life insurance.

Why life insurance? Because it can provide the guarantees and benefits that make the difference between dreams coming true - or just remaining dreams. And in the spirit of preparedness, we’ve teamed up with the LIFE Foundation - a nonprofit dedicated to helping consumers make smart life insurance decisions - to help people like you discover the benefits of protecting the people you love.

You can start by reading the stories of the Donaca family.  They have an appreciation for the benefits of life insurance.

Shane Donaca- Go hard or go home

"Go hard or go home" was Shane Donaca’s motto. And he brought that passion and intensity to every aspect of his life, from racing motorcycles, to building a large commercial construction business, to spending time with his wife, Kim, and their three children. Because so many people depended on Shane, his insurance Agent, Kris Preble, wanted to ensure he had adequate life insurance coverage, and together they constructed a plan that added to his existing coverage. 

Soon after, while riding his motorcycle one afternoon, Shane hit an embankment and suffered fatal injuries. Although Shane had signed his amended life insurance contract just 12 hours before his death, his family received the full death benefit. Kim was able to pay off all the company’s debts and still has the money the family needs to continue their lifestyle. "Life insurance is an amazing gift,” says Kim. “I don’t have to lie awake at night worrying about money or about getting another job so I can put my children through school." 

Vasilios "Voss" Speros 602-531-5141
480-840-2000 #lifeinsurance
http://www.sperosfinancial.blogspot.com/
http://www.linkedin.com/pub/vasilios-%22voss%22-speros/60/722/67b
https://plus.google.com/u/0/110837956257670674290/posts
http://www.pinterest.com/voss53/speros-financial/
vsperos@ft.newyorklife.com
voss5335@gmail.com
85018

— in Phoenix, AZ.

Speros Financial Life Insurance Monday Tip

Speros Financial Life Insurance Monday Tip

As an all-pro quarterback, Boomer Esiason knows about being blindsided. But no hit was as tough as losing his mother when he was 7. Learn more about Boomer’s story and how life insurance could have made his road to college and the NFL a bit easier.
http://www.lifehappens.org/boomer/

A record-setting NFL quarterback, and now a seasoned radio and TV

broadcaster—that’s how most people know Boomer Esiason. But before his

fame on and off the gridiron came a tough road for Boomer and his family.

When he was just 7, Boomer’s mother, Irene, who was 37, died of cancer.

That left Boomer, his father and his two teenage sisters to create a life for

themselves. A three-hour daily commute to work in New York City left

Boomer’s father, Norman, with little free time, but he always made sure he

supported Boomer, both on and off the field. The family was also forced to

rely on friends and relatives, as Boomer’s mother died without life insurance

and there was little money left each month to pay for any extra help. “I was

handed a life lesson early, growing up with one parent,” says Boomer, “It

wasn’t the easiest life—my dad sacrificed a lot.”

Through determination, hard work and the support

of his father, Boomer was able to leverage his talent

at football to gain a full scholarship to the University

of Maryland. He then went on to become one of

the most successful quarterbacks in NFL history

during his 14-year career, leaving the game in 1997

in the top 10 of many quarterback career statistical

categories.

From the beginning, Boomer has protected his

family—wife, Cheryl, and their children, Sydney

and Gunnar—with life insurance. And as his career

as a radio and TV broadcaster has grown, his life

insurance coverage has grown as well. It has become

especially important to Boomer, given that Gunnar

is fighting cystic fibrosis and will need financial

support throughout his life. “Life happens at the

most unexpected of times, and life insurance is about

protecting the future and the people you love,” he

says. “Remember, if something happens and you

haven’t done the planning, the people you leave

behind will feel the brunt of your mistakes.”

Numbers make a difference, especially when it

comes to protecting your family with life insurance. 

Vasilios "Voss" Speros 602-531-5141
480-840-2000 #new #york #lifeinsurance
http://www.sperosfinancial.blogspot.com/
http://www.linkedin.com/pub/vasilios-%22voss%22-speros/60/722/67b
https://plus.google.com/u/0/110837956257670674290/posts
http://www.pinterest.com/voss53/speros-financial/
http://www.vasiliossperos.nylagents.com/
vsperos@ft.newyorklife.com
voss5335@gmail.com
85018

— in Phoenix, AZ.

Speros Financial Life Insurance Friday Tip

Speros Financial Life Insurance Friday Tip
Christmas is creeping up on us. While you are out shopping and driving around with everyone else on the road, be safe. What would your family do if you got hit by a car? Make Life Insurance one of your Gifts this year for your family. Contact Speros Financial for a Quote!
Vasilios “Voss” Speros 602-531-5141
480-840-2000 #New #York #LifeInsurance

http://www.sperosfinancial.blogspot.com/
http://www.linkedin.com/pub/vasilios-%22voss%22-speros/60/722/67b
https://plus.google.com/u/0/110837956257670674290/posts
http://www.pinterest.com/voss53/speros-financial/
http://www.vasiliossperos.nylagents.com/
vsperos@ft.newyorklife.com
voss5335@gmail.com
85018

— in Phoenix, AZ.

Speros Financial Life Insurance Tip for Thursday

Speros Financial Life Insurance Tip for Thursday
$1,000,000 at retirement only provides $40,000 a year. What if you don’t make it to retirement, What if you don’t make it home tonight? Will $40,000 replace your income that your family is counting on for the rest of their lives? Do you have enough #LifeInsurance?

Vasilios “Voss” Speros 602-531-5141
480-840-2000 #New #York #Life Insurance
http://www.sperosfinancial.blogspot.com/
http://www.linkedin.com/pub/vasilios-%22voss%22-speros/60/722/67b
https://plus.google.com/u/0/110837956257670674290/posts
http://www.pinterest.com/voss53/speros-financial/
http://www.vasiliossperos.nylagents.com/
vsperos@ft.newyorklife.com
voss5335@gmail.com
85018

— in Phoenix, AZ.