Profile cover photo
Profile photo
Santiago Majam (Santy)
35 followers -
Excellence in Life Insurance Selling and Agency Management
Excellence in Life Insurance Selling and Agency Management

35 followers
About
Posts

Post has attachment

Post has attachment

Post has attachment
Add a comment...

Post has attachment
Protecting your biggest asset can just be a simple phone call away. Watch this video!
Add a comment...

Post has attachment
The Cost of Waiting: If there’s an income gap on your road to retirement, start building a bridge. Whatever you do, don’t delay. That’s because time is on your side—until it isn’t: Thanks to the power of compounding, the sooner you start sa...ving, the less money you need to save to reach your goals; by contrast, the longer you wait, the more you have to put away to make up lost ground. Free consultation with Santy, call 1-800-YOU-KEEP, email youkeep@ptd.net. Visit our website at www.youkeepus.com.
Add a comment...

Post has attachment
Increase your savings and investments regularly
Each year, increase the amount you save, even if it’s by a small amount. Raise your 401(k) contribution by 1 percent annually and put an extra $10 into your savings account when you can. Finally, talk to a financial advisor about investment options that fit your style and appetite for risk.Do a financial tune-up each summer to make sure you are making the right monetary decisions. Then head down the road to savings and debt-free living by putting a plan together. Your future self will surely thank you. Request free consultation with Santy, call 1-800-YOU-KEEP, email youkeep@ptd.net, visit our website at www.youkeepus.com.
Add a comment...

Post has attachment
How do you strike a balance between Saving for Retirement and Paying of Debt? For free consultation, call Santy at 1-800-YOU-KEEP, or email youkeep@ptd.net. Visit our website at www.youkeepus.com.
Add a comment...

Post has attachment
Index Annuities with Contractual Guarantees – Retirement Savings Without Investment Risk!
Ask yourself this. Does it make sense to risk the loss of your savings and earnings by keeping your money in stocks, bonds, or mutual funds? Or by pa...ying taxes on your earnings if those earnings can still be lost after you’ve paid the taxes?
Or does it make better sense to keep your money in an Index Annuity that contractually guarantees to grow and protect both your savings and your earnings without market risk or annual taxation?
Learn more, email Santy at YouKeep@ptd.net to watch the informational video on Indexed Annuities with Contractual Guarantees. Visit our website at www.youkeepus.com. See More
Photo
Add a comment...

Post has attachment
7 Tips for Retirement Readiness:
Given that people have unique circumstances and need, there’s no one size fits all approach to retirement planning.  So it can be difficult to know what specific information is relevant for your personal situation. For example, Baby Boomers are more likely to be saving for retirement outside of work, and work during retirement  Read some retirement readiness tips which are applicable to everyone, regardless of age. Click https://www.facebook.com/notes/you-keep-financial-network/7-tips-for-retirement-readiness/539301559531300
Consult Santy free of charge, call 1-800-YOU-KEEP or email youkeep@ptd.net. Visit our website at www.youkeepus.com.
Add a comment...

Post has attachment
5 FINANCIAL TIPS FOR NEW GRADUATES:
Get Free Consultation and Quote with Santy, call 1-800-YOU-KEEP or email YouKeep@ptd.net. Visit our website at
www.YouKeepUs.com
Thousands of students will graduate from college and enter the workforce for the first time this month. For many, this is when adulthood begins. Paying bills, opening a retirement account and understanding insurance can be overwhelming. However, through carefully budgeting, planning and the five financial tips for new graduates below, you can quickly learn how to survive on your own.
 
1. Open an IRA.
 For recent graduates, retirement may seem like an eternity. However, it doesn’t mean that you shouldn’t start planning for retirement. Explore the tax advantages of a Roth IRA. Roth IRAs contributions are not tax-deductible, meaning you don’t receive a tax deduction for contributions now. However, unlike other IRAs, Roth IRA distributions are generally tax-free. If you expect to be in a higher tax bracket when you retire, a Roth IRA may minimize your overall taxes in the long run. Please note earned income is needed to contribute to a Roth IRA.
2. Contribute to your company’s 401(k) plan.
 If your company offers a 401(k) plan, contribute at a minimum the amount they will match now, when you have fewer expenses. The longer you wait to save, the harder it will be to catch up. For example, if you start saving at age 25, the average American will only have to save 5.8% of their salary. In comparison, start saving at 45 and you will need to put away 21.4% of your salary.1 That’s a big difference, especially because you may have more expenses when you are older, such as kids and a mortgage.
 3. Live within your financial means.
 Once you get your first paycheck, it may be tempting to rent a fancy apartment or open up a few credit cards with promising perks. However, avoid accruing credit card debt or spending more than you can afford. With high interest rates, credit card debt can be very hard to get out of. One way to avoid spending too much is by finding affordable housing. Generally, you should spend no more than 30% of your salary on rent. Living with roommates is also a good way to reduce your overhead. 
4. Manage your student loans.
 As college becomes more expensive, students are taking on more debt. As a result, student loan delinquencies are on the rise.2 Unlike other forms of debt, student loans cannot be forgiven through bankruptcy. A loan default could destroy a recent
graduate’s credit, making it harder to rent an apartment or purchase a home. Therefore, it’s extremely important to stay on top of your loan payments. Use a student loan calculator* to calculate your monthly payments. Stick to a budget, know your student loan repayment options, and payoff your loans with the highest interest rates first.  
 5. Prepare for your future.
 After graduation, set the tone for the rest of your life by staying on top of your finances. Retirement may be a long way off but it’s better to be prepared. Start saving for retirement now, avoid accumulating additional debt and establish good financial habits. Your future self will thank you.
 
*Transamerica Retirement Solutions.
2http://www.nytimes.com/2014/02/20/business/economy/the-hefty-yoke-of-student-loan-debt.html
All investments involve risk, including loss of principal, and there is no guarantee of profits. Shares of the Funds may only be sold by offering the Funds’ Prospectus and/or Summary Prospectus. You should consider the investment objectives, risks, charges, and expenses of the Funds carefully before investing. The Prospectus contains this and additional important information regarding the Funds. The Prospectus should be read carefully before investing.
 Transamerica is prohibited by law from providing tax or legal advice outside the company. The information contained in this article is intended solely to provide general summary information and is not intended to serve as legal or tax advice applicable to certain matters or situations. For legal or tax advice concerning your situation, please consult your attorney or professional tax advisor. Although care has been taken in preparing this material and presenting it accurately, Transamerica disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it.
For more info: Contact Santy, call 1-800-YOU-KEEP or email YouKeep@ptd.net. Visit our website at www.YouKeepUs.com
Photo
Add a comment...
Wait while more posts are being loaded