Some speakers list the power handling as a maximum figure, some quote as a continuous figure. In the past I have had speakers that have been listed as 100watts peak power, with 50 watts continuous power. Some speakers simply list a maximum SPL (sound pressure level), this can be calculated (not entirely accurate but close) as every doubling of the amplifier power produces 3db SPL increase... ie. speakers that are rated at 1 watt = 93db at 1meter, would be...96db 2 watts...99db at 4 watts...102db at 8 watts...105db at 16 watts...108db at 32 watts...111db at 64 watts (it takes 10db SPL increase to interpret a doubling in volume)
It is easier to overdrive speakers with an amp that does not have enough power and is driven into distortion than with an amp of more power that has lots of reserve.
If you hear any distortion from your speakers you are too loud. Turn the volume down slightly and put a mark at the volume setting. Do not go above this level until you have cash in your pocket and a short list of your next speakers