Anthony Perez at Steele Insurance https://www.aperezsia.com/ Taking care of our clients everyday Thu, 03 Oct 2019 01:29:20 +0000 en-US hourly 1 https://wordpress.org/?v=6.0.2 https://www.aperezsia.com/wp-content/uploads/2018/11/cropped-o-32x32.jpg Anthony Perez at Steele Insurance https://www.aperezsia.com/ 32 32 Why life insurance is important https://www.aperezsia.com/why-life-insurance-is-important/ Thu, 03 Oct 2019 01:21:24 +0000 http://www.aperezsia.com/?p=1572 One of the most fundamental questions you should ask yourself when contemplating life insurance is this: Will someone in my life be adversely effected (from a financial standpoint) by my untimely death? This is different from “Will someone be sad by my untimely death?” I will be sad. But I do not want to assume […]

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One of the most fundamental questions you should ask yourself when contemplating life insurance is this: Will someone in my life be adversely effected (from a financial standpoint) by my untimely death? This is different from “Will someone be sad by my untimely death?” I will be sad. But I do not want to assume your financial liabilities.

  • If You Were To Die Tomorrow, Who Would Assume Your Debt? If you own a home, a business, or have personal liabilities, someone else will become responsible for those liabilities (generally your next of kin). Therefore, your spouse, your parents or your siblings could end up having to pay your debts after the good Lord takes you.
  • Do You Have Children? Guess what? If you have kids and you don’t have life insurance, you may have put your entire family at risk. I know that seems a bit harsh but it is a potential reality. Enough said on that.
  • Are You A Business Owner? What would happen to your business if something were to happen to you? Do you have a succession plan? If you a business owner and do not have a succession plan, speak to a financial advisor to get you on track to help you create one. This could mean purchasing some type of insurance product and creating some documents determining who would inherit your business and its assets and liabilities.
  • How Much Insurance Do You Need? This is not an easy question to answer and everyone is different. First, it depends on the variables I mentioned above. It also depends on your age, your sex (men are generally more expensive to insure than women), and how much insurance you can afford. The general formula used by insurance agents is somewhere between 7-10 times your annual salary. For example, if you make $100,000/year, you should consider buying somewhere between $700,000 to $1,000,000 of insurance. That being said, if your life is complicated (kids, business, lots of debt), you should probably look to increase that amount. Again, consider seeking the advice of a financial advisor who understands your financials before making this decision.

source: https://www.forbes.com/sites/kristinmerrick/2017/05/11/yes-you-probably-need-life-insurance-and-heres-why/#78f9a7d67f30

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Evacuation Preperation https://www.aperezsia.com/evacuation-preperation/ Thu, 25 Apr 2019 20:50:22 +0000 http://www.aperezsia.com/?p=1526 Here is a list from California Fire on steps to prepare for an evacuation. If time permits, follow these steps to ensure the best odds PRE-EVACUATION PREPARATION STEPS When an evacuation is anticipated, follow these checklists (if time allows) to give your home the best chance of surviving a wildfire. Home Evacuation Checklist – How […]

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Here is a list from California Fire on steps to prepare for an evacuation. If time permits, follow these steps to ensure the best odds

PRE-EVACUATION PREPARATION STEPS

When an evacuation is anticipated, follow these checklists (if time allows) to give your home the best chance of surviving a wildfire.

Home Evacuation Checklist – How to Prepare for Evacuation:
Inside the House

  • Shut all windows and doors, leaving them unlocked.
  • Remove flammable window shades, curtains and close metal shutters.
  • Remove lightweight curtains.
  • Move flammable furniture to the center of the room, away from windows and doors.
  • Shut off gas at the meter; turn off pilot lights.
  • Leave your lights on so firefighters can see your house under smoky conditions.
  • Shut off the air conditioning.

Outside

  • Gather up flammable items from the exterior of the house and bring them inside (patio furniture, children’s toys, door mats, trash cans, etc.) or place them in your pool.
  • Turn off propane tanks.
  • Move propane BBQ appliances away from structures.
  • Connect garden hoses to outside water valves or spigots for use by firefighters. Fill water buckets and place them around the house.
  • Don’t leave sprinklers on or water running, they can affect critical water pressure.
  • Leave exterior lights on so your home is visible to firefighters in the smoke or darkness of night.
  • Put your Emergency Supply Kit in your vehicle.
  • Back your car into the driveway with vehicle loaded and all doors and windows closed. Carry your car keys with you.
  • Have a ladder available and place it at the corner of the house for firefighters to quickly access your roof.
  • Seal attic and ground vents with pre-cut plywood or commercial seals.
  • Patrol your property and monitor the fire situation. Don’t wait for an evacuation order if you feel threatened.
  • Check on neighbors and make sure they are preparing to leave.

Animals

  • Locate your pets and keep them nearby.
  • Prepare farm animals for transport and think about moving them to a safe location early.

Source:
http://www.readyforwildfire.org/Pre-Evacuation-Preparation/

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Houston home sales break records in 2018, but slowdown appears on horizon https://www.aperezsia.com/houston-home-sales-break-records-in-2018-but-slowdown-appears-on-horizon/ Thu, 10 Jan 2019 16:20:40 +0000 http://www.aperezsia.com/?p=1466 Oil prices are down, the stock market is in flux, and mortgage rates are higher. But the Houston housing market keeps chugging along. Home sales in 2018 again shattered sales and price records, even as once white-hot markets in other parts of the country softened. Despite the lingering effects of Hurricane Harvey, rising mortgage rates […]

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Oil prices are down, the stock market is in flux, and mortgage rates are higher. But the Houston housing market keeps chugging along.

Home sales in 2018 again shattered sales and price records, even as once white-hot markets in other parts of the country softened. Despite the lingering effects of Hurricane Harvey, rising mortgage rates and growing concerns about a slowing national economy, home sales in Houston ended the year nearly 4 percent above the previous record, set in 2017, while the median sales price climbed to $237,500, 3 percent above the previous record, the Houston Association of Realtors reported Wednesday.

The combined value of more than 82,000 homes sold last year soared to $28 billion, up more than 20 percent from 2017.

The region’s housing market has proved itself remarkably resilient in recent years, powering through the last oil bust with rising sales and prices with the help of a growing population, a diversifying local economy and a strong national one. But real estate analysts and agents say the record run may come to an end in 2019.

The local market remains challenged by relatively a low inventory of homes for sale, while rising mortgage rates and new tax laws that places some limits on the mortgage interest deductions and property taxes are taking some of the luster off home ownership. Already, home sales have slowed.

In December, single-family home sales were down 4.1 percent compared with the same month in 2017 — the second straight month of declining year-over-yearsales, according to the Houston Realtors Association.

“When I talk to other Realtors, I think the second half of the year was really slow,” said real estate agent Shad Bogany. “Builders were telling us it was slow. Certain neighborhoods, we’re not getting any traffic at all, especially where you had resales and new homes in the same neighborhood.”

The major culprit appears to be mortgage rates. The average rate on a 30-year mortgage jumped to nearly 5 percent in 2018, from lows near 3 percent in recent years. While rates have again retreated, falling last week to 4.5 percent, experts said buyers took note of the trends.

Anticipating higher rates, they rushed to purchase homes early in the year, frontloading 2018 sales, said Patrick Jankowski, senior vice president of research for the Greater Houston Partnership.

Source: https://www.houstonchronicle.com/business/real-estate/article/Houston-real-estate-market-breaks-records-13520756.php

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Customized car insurance coverage https://www.aperezsia.com/customized-car-insurance-coverage-2/ Sat, 15 Sep 2018 09:03:12 +0000 http://localhost/insurers/?p=78 Insuring California vehicles – from two wheels to twelve! As an independent insurance agency, Steele Insurance Agency works with many insurance companies and can help you compare protection and prices to find the coverage and value that’s right for you. As a local, real, live member of your community, I know how to get you […]

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Insuring California vehicles – from two wheels to twelve!

As an independent insurance agency, Steele Insurance Agency works with many insurance companies and can help you compare protection and prices to find the coverage and value that’s right for you.

As a local, real, live member of your community, I know how to get you the right insurance for your vehicle. Whether your insurance needs are for hitting the winter trails, taking a summer drive, or just the everyday commute, I can help you find the right insurance to keep you covered.

Our commitment is to serving you

Steele Insurance Agency knows that in California, there are as many unique insurance needs as we have neighbors who live here! To talk about your insurance needs, contact me today!

Vehicle Insurance

– The insurance protection you need whenever you’re on the move.

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Get the best homeowners insurance https://www.aperezsia.com/get-the-best-homeowners-insurance-2-2/ Sat, 15 Sep 2018 09:02:24 +0000 http://localhost/insurers/?p=75 Property Insurance Insurance protection to help you feel secure at home Steele Insurance Agency is on your side. As an independent insurance agent, I review multiple insurance companies and compare protection and prices to find the best value for you. I am your neighbor – I am a real member of your community. I know […]

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Property Insurance

Insurance protection to help you feel secure at home

Steele Insurance Agency is on your side. As an independent insurance agent, I review multiple insurance companies and compare protection and prices to find the best value for you.

I am your neighbor – I am a real member of your community. I know what’s important for your homeowners insurance policy in California, and am committed to being your advocate in times of need.

Our commitment is to serving you

Steele Insurance Agency knows that in California, there are as many unique insurance needs as we have neighbors who live here! To talk with me about your insurance needs, contact me today.

Home Insurance

– Insurance protection for the things that matter most to you.

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Life insurance https://www.aperezsia.com/life-insurance-is-a-contract-between-2/ Sat, 15 Sep 2018 09:01:09 +0000 http://localhost/insurers/?p=72 Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made to your family when you are gone. Don’t leave the future of you and your loved ones to chance. Anthony can help you find the right life insurance coverage […]

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Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made to your family when you are gone.

Don’t leave the future of you and your loved ones to chance. Anthony can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs.

Life changes – so should your policy

For each of our neighbors in California, the right life insurance will be unique for you and dependent on your personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” and our help at Steele Insurance Agency include:

  • You recently married or divorced
  • You have a new child or grandchild
  • You have opened or expanded a business
  • Your health or your spouse’s health has deteriorated
  • You are providing care or financial assistance to a parent
  • Your child or grandchild requires assistance or long-term care
  • You recently purchased a new home
  • You are planning for a child or grandchild’s education
  • You are concerned about retirement income
  • You have refinanced your home mortgage in the past six months
  • You or your spouse recently received an inheritance
  • You have a sizable estate

California – What you need to know about life insurance

Anthony can help you select the best life insurance coverage for your needs. There are several different types of life insurance products available – the most common include:

  • Term Life Insurance
    Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period. Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
  • Whole Life Insurance
    Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.
  • Universal Life Insurance
    Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.

So what type of life insurance is best for you? Talk with Anthony at Steele Insurance Agency today at: 707-469-3281 so I can assist in identifying the best protection for you.

What are the advantages of life insurance?

Having the right life insurance is essential to planning for your present, and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

Advantages of the life insurance death benefit: When you pass away, your life insurance provides income tax-free money to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need. Your policy can help provide security for your business security as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Advantages of Living Benefits: The cash value growth of a permanent life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

The right life insurance coverage for each and every one of our neighbors in California is unique – Talk with me today to find out how to protect your family and your future with the right life insurance.

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