Betting on Your Future: 5 Differences Between Whole and Term Life Insurance

In many ways comparing whole and term life insurance is like comparing apples and oranges. Although they both offer death benefits, everything else is different.

Term life insurance costs less initially and runs for a specific term, hence the name. The policy guarantees premiums only for the initial term and if you renew it, the premiums may change. The policy itself has no collateral value and you cannot use it as an asset to borrow money.

Whole life insurance tends to cost more initially, but the premiums are guaranteed to stay at that level for the life of the policy. The policy can be used as collateral to borrow money against.

The advantages of term life

Term life insurance is a great option when you cannot afford the protection offered by whole life or when you need coverage for a specific time period. Your initial premiums are less than whole life, but will increase at the end of the term whether it is 1-year, 5-years or whatever length the term runs for.

Term life insurance is perfect for families that are growing or to supplement existing insurance when cash resources are scarce. There is no cash value on term life insurance so it cannot be borrowed against, keeping its value full during the entirety of its course.

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Advantages of whole life insurance

As opposed to term life, whole life insurance provides death benefits. It also accumulates value while it is active. You are eligible for dividends on the value and you can borrow money against it.

The biggest advantage, however, is that once you have been approved for whole life insurance, it can never be cancelled as long as you pay your premiums. No matter what happens, you will have life insurance and your death benefits will be paid.

Comparing apples and oranges

It’s easier to look at the benefits in comparison to each other:

Term Whole

  • Death benefits Death benefits
  • Premiums guaranteed for initial term Premiums guaranteed for life of policy
  • Inexpensive initially, premiums may rise Higher initial price, premiums never increase
  • No value other than death benefits In addition to death benefits, offers loans against accrued value or surrenders
  • Conversion to whole life may be available No conversion necessary

When it comes to insurance, some is better than none, but having the wrong kind of insurance can make it difficult to use it the way you need it, not just the way it is set up.

The entire debate between whole life vs term life insurance can be summed up with this example:

  • If you had a term policy that you had maintained for 30 years, through multiple premium increases, it would still only be worth its face value if you died.
  • If you had a comparable whole life insurance policy, through the same number of years, your premiums would not have changed from day one and you would be able to borrow against the value of the policy or surrender some of the value to put cash in your pocket.

The increase in premiums through the term policy would have brought the total spending to a roughly equal state but the whole life policy would be worth far more because you can do more with it than just pay off the beneficiaries when you die.

With term life, you are betting against an insurance company that you will die before the policy expires, while with whole life, you are betting that you will live long enough for the policy to be worth more than its paper value.

Gordon Hayward’s Net Worth

Gordon Hayward is a professional basketball player in the National Basketball Association.  On July 4th of this year, Gordon agreed to sign a deal that would make him a Boston Celtic.  Prior to signing a contract with Boston, Gordon spent his first seven seasons of his NBA career with the Utah Jazz.  At 27 years of age, Gordon Hayward’s net worth sits at $20 million.

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Gordon Hayward

Born and raised in Indiana, Gordon played his high school basketball at Brownsburg High School and went on to play his college ball at Butler University in Indianapolis.  While in college, Hayward excelled in his freshman season.  He started all 32 games for the Bulldogs that year and averaged over 13 points per game and earned the award for the conference’s newcomer of the year.  He followed it up with a magical sophomore season where he averaged nearly 16 points per game and led his team to the championship game before losing to the Duke Blue Devils.  After his second season at Butler, Hayward decided to enter the NBA draft.  He was selected ninth overall by the Utah Jazz.  He just finished up his seventh season with the Jazz, and his most recent season was his most productive.  He averaged a career high for points per game at nearly 22 a contest.  His stellar performance during the 2016-2017 campaign earned him his first All-Star appearance.  His eight points and four steals in the all-star game helped the West division seal a victory over the East.

A very large percentage of Gordon Hayward’s net worth comes from his on the court earnings.  Back in 2014, Hayward and the Jazz agreed on a contract extension that was worth $63 million over four years.  This contract helped validate Hayward’s accomplishments.  However, the deal would be cut a year short as Hayward agreed to a contract with the Boston Celtics.  His contract with Boston will significantly increase Gordon Hayward’s net worth in the coming years.  He signed a four year, $128 million contract with Boston.  As it currently sits, Hayward will be the highest paid Celtic for the upcoming season and the third highest paid NBA player behind only Steph Curry and Lebron James.

Off the court, Hayward claims to be a huge fan of video games, and he has even played in the IGN Pro League.  In 2016, Hayward signed a deal with the video game company, HyperX.  Additionally, he has done a few local commercials for companies in the Utah area.

On a personal note, Hayward is married to his wife Robyn.  The couple has two kids together.  Hayward is a good tennis player and even won a club-level charity tennis tournament.  Hayward has also appeared in a commercial for St. Jude Children’s Research Hospital and is a participant in the organization’s “Fan for Life” campaign.

 

How a Business Broker Can Help You Find the Right Buyer

Whether you built your business from the ground up or purchased it from someone else, it’s easy to become heavily emotionally invested in it. This can color your perceptions of its value, and even lead to hurt feelings when a potential buyer isn’t as interested or willing to pay a premium as you think they should be. This undermines your ability to successfully negotiate a deal.

If you’ve asked yourself, “How can I sell my business in Spokane?” or in anywhere else in the U.S., the answer is to find a business broker who specializes in your niche, and your geographic region. Here’s what a business broker offers you.

Preparing for the Sale

Much of the work of a successful sale occurs well before you sign sale documents. Preparing your business to navigate due diligence, streamlining your operations, and other simple strategies can increase the value of your business, while making it more attractive to a potential buyer. A business broker can help you determine strategies that will make your business more attractive in advance of a sale.

Unbiased Assessments and Feedback

Don’t let emotions color your judgment. A business broker offers objective feedback that establishes realistic expectations. This objective feedback offers actionable insights that can help you choose the right buyer, competently negotiate price, and take steps to optimize the value and operations of your business.

Accessing Buyers

Business brokers know buyers. They know who is in the market, and who might be if the price and business are right. Most business owners don’t know how to find buyers, or they worry that searching for a buyer will scare off employees and lower the value of their business. Don’t rely on word of mouth or cold calling former partners. Work with a broker who can connect you not only to a group of buyers, but to the right buyer for your business. 

Protecting Your Business

If people get wind of your plans to sell, there can be far-reaching reverberations. Management and staff may jump ship. Lenders may be scared off. Key employees may attempt to leverage the news into a share of the sales proceeds.

A skilled business broker can widen the search for the right buyer while doggedly protecting your business’s confidentiality. This is something business owners are rarely able to accomplish on their own. It’s also a strategy that saves time and money, while shortening the path to a successful sale. 

Negotiating the Transaction

You need to run your business, not waste your time haggling over price or stressing about the impact of the sale on your operations. A business broker helps you seamlessly navigate the transaction, including negotiating key details. This lends a professional sheen to the transaction process, and can make your business more attractive to experienced buyers, who may not want to deal with a harried business owner. 

Saving Time and Money

Your time is the most valuable asset you have. It’s the only thing you can’t get back. Consider how much time you might spend negotiating a sale. Now think about how you bill your time. That gives you insight into how much your wasted time is worth. Consider also that when you spend time on the transaction, you take time away from vital operations. This can send your business into disarray, and potentially even lower the value of your business. A broker saves you time, money, and stress by taking care of the day-to-day management of the sale for you. That frees you to run your business—or maybe even take a day or two off.

Joey Graceffa Net Worth

Joey Graceffa is a YouTube sensation who has made a name for himself through his two YouTube channels.  At just 26 years old, Joey has more than a billion views on his YouTube channels.  His main channel has nearly 8 million subscribers.  Joey Graceffa’s net worth comes from a number of sources, but it is mainly supported by his social media accounts.

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JOEY GRACEFFA NET WORTH: $4 MILLION

Joey’s net worth of a staggering $4 million dollars is supported mostly through partnerships and ad revenue from his YouTube channel.  Additionally, he is also a published author and his books can be purchased from Amazon.  Graceffa has appeared on the show, The Amazing Race, twice.  He first appeared in season 22 and then returned to compete in The Amazing Race: All-Stars.  In his main YouTube channel, Joey can be seen doing various videos covering his life, different products and his adventures.  He also has a second YouTube channel where he focuses on Minecraft.  Currently, his second YouTube channel has over 2 million subscribers.

Joey was born in 1991 in Massachusetts.  He has two siblings and documents the alcoholism his mother faced in his book In Real Life: My Journey to a Pixelated World.  He graduated in 2009 from Marlborough High School and enrolled in Fitchburg State College where he decided to major in film.  Despite growing up on the east coast, Graceffa currently lives in Los Angeles, California.

We can expect that Joey Graceffa’s net worth will continue to increase over time.  Social media influencers have become increasingly popular over the past few years through various channels such as YouTube, Vine, and Instagram to name a few.  Joey can be seen on his Instagram account promoting a variety of products.  An article written about Graceffa nearly two years ago estimates that the star earns nearly $400,000 a year from all of his income sources.  Due to the increase in traffic on his YouTube channels along with an increase of social media followers, we can expect his earnings to be nearing a million dollars a year in the very near future.

Because of the work nature of social media influencers, Joey is his own boss.  Although he claims to be a tireless worker, Graceffa has the ability to make his own hours.  He is consistently making various connections to continue the expansion of his brand.  In many of his YouTube videos along with his Instagram posts he can be seen interacting with other social media personalities.  These connections have become very important to helping social media stars continue to grow their followers and visibility.  Based on his number of Instagram followers, Graceffa most likely makes thousands and tens of thousands of dollars per sponsored post.  Advertisers are flocking to individuals like Graceffa with advertising dollars because they feel their audience can be more targeted.

4 Tips to Get a Great Deal on a Car Loan

How to Save a Quick $250 in Your Yearly BudgetUnfortunately, more and more Americans are having a difficult time making their car payments on time. Although it’s not a significant portion of overall Americans just yet, the statistics don’t lie and people seem to be having a tougher time paying off their car loans.

Since the great recession, the number of subprime car loans has risen, so there are more borrowers that are struggling financially. This is obviously one of the major reasons why people are finding it so tough to pay for their cars.

To help make it easier on you, we will share four excellent tips that you can implement right away to get a great deal on a car loan. If you use the suggestions, your loan will be much more affordable over the long term.

  1. You Should Keep on Top of Your Credit Reports

In order to qualify for the best car loan possible, you have to make sure everything on your credit report is in good standing.

As an example, let’s say there are five errors on all three of your credit reports from TransUnion, Experian, and Equifax.

If these errors remain, they are going to lower your credit score. So you have to dispute them and take the necessary steps to have them corrected.

Once they are fixed, your credit score will rise and you’ll be able to attain a much lower interest rate for your car loan.

Because of all this, it is advisable to look at your credit record and even consider paying a fee to check your current score.

  1. Shop around with Multiple Lenders

You’re certainly willing to shop around to get the best vehicle, right? So why not shop around to check out multiple lenders?

Don’t get financing from the first lender to come along. See if you could find a better deal by approaching multiple auto lenders.

By going this route, you’ll be able to avoid paying a higher interest rate. Most people have a tendency to obtain financing at the dealership. But you’re smarter than that, so you’re going to do what’s right and get quotes from multiple lenders so that you can get a better interest rate.

  1. Choose a Shorter Loan If You Can Afford It

At this point, cars and other motor vehicles have become more and more expensive. And since these vehicles are more expensive, the life of the loan has become that much longer.

As a matter of fact, many people end up financing their new car for seven, eight, or even nine years in total. You can plainly see that even though the monthly payment will be lower with the longer term, you’re also going to pay more money over the long run by paying more interest.

Typically, these seven to nine year loans will have much higher interest rates than a shorter-term loan. It’s in your best interest to try and limit your car loan length as best you can, and if you can keep it to 48 months or less you’ll be much better off.

  1. Don’t Overextend Yourself

When buying a new car, many people have a belief that they can easily afford the monthly payment. And this is especially true if they happen to get a really good deal on a new car.

So, instead of paying whatever the dealership tells you, work on negotiating instead. Tell them that you would like to get a better deal and do what you can to lower your monthly payment.

Conclusion

If you use these four tips, you’ll have no trouble getting an excellent deal on a new car loan.

The Lottery Won’t Save You, But Smart Money Management Can

create your monthly budgetWorrying about money is a major stressor. Financial problems can wreak havoc on your physical and emotional health, your relationships, and virtually every aspect of your life. It is little wonder, then, that many folks who are struggling with their finances nurture dreams of a miraculous save, a deus ex machina such as a huge lottery or sweepstakes win. Accordingly many people spend more money than they should on lottery tickets and scratch-off games, with low-income people being among the most vulnerable to the (mostly) false hope that money will fall into their hands if they spend half of their paycheck on the next Mega-Millions game.

Don’t let your big dreams blind you to reality

Don’t misunderstand us. There’s nothing wrong with buying an occasional lottery ticket, or even daydreaming about what you would do if you won, but don’t pin all of your hopes and dreams on a big win. If you are truly struggling financially you’re far better off looking for more realistic solutions to your problems.

Setting and living within a budget that covers your expenses and allows you to have a decent quality of life, while still managing to contribute to your savings on a regular basis, is essential. While this can be a lot more difficult to do than to say, it is doable for most people.

One area where too many people get off that track is in accumulating more debt than they can handle on a regular basis. It is essential that you avoid debt unless it is necessary or will actually improve your financial condition. If you decide that you do need to take on a debt, you need to really know what that debt is going to cost you, and to shop around for the best source of credit.

Comparison sites for example provide you with a side-by-side comparison of the terms and costs of different lenders’ offerings on many types of loans The site also has tools such as financial calculators, and advice on how to best manage your household finances, so you don’t find yourself struggling and wishing for a windfall.

Most people know at some level that they could be smarter about managing their money. Nevertheless the siren song of the lotto calls to millions of people.

A tax on the poor?

Unfortunately, some of the most financially vulnerable, who can least afford to spend money for things that have virtually no chance of benefitting them, are the most likely to heed that call, to their detriment. It is not too difficult to understand the appeal, especially when someone who can barely afford the basic necessities has the promise of a $1 billion-plus jackpot dangled before them, such as has been the case with the American Powerball lottery. Visions of acquiring previously unimaginable wealth can be profoundly seductive when you barely have enough money to buy groceries for the week. And the tantalizing suggestion that somebody is going to win, so I have as good a chance as anyone, makes it exceedingly easy to part with a couple of dollars for a ticket, or even to cut back a bit on the groceries to buy more tickets, thus improving your chances.

What is not emphasized in the commercials is the fact that the jackpot is bigger because more people are buying tickets, diminishing your virtually nonexistent likelihood of winning even further. Add to that the fact that late in 2015, the table of available Powerball numbers from which to choose the winning five grew from 59 to 69, further reducing dramatically the chances that anyone will win. The pot gets bigger, and people’s fantasies are whetted to the point where they end up spending more of the money they really need for other things. It’s no wonder that some financial experts consider the Powerball lottery a state-sanctioned swindle. Other countries, including the UK, have similar games in place for one reason – they are a tremendous source of fast and easy revenue.

In 2009, the UK newspaper the Telegraph reported about a study by a think tank that showed people on low incomes spent disproportionate amounts on money on the National Lottery, adding credence to widespread claims that it is a tax on the poor. And the same phenomena can be seen in other countries that sponsor lotteries and sweepstakes.

Your chances of winning are slim, and it won’t solve all of your problems anyway

Aside from the fact that you’re more likely to be hit by a comet or be killed in a wreck on the drive to the store to buy your tickets, actually winning the lottery has proved to be as much a curse as a blessing for too many people. A 2010 study conducted by the National Endowment for Financial Education (NEFE) found that even if you win the big prize, there is a 70% likelihood that you’ll be broke again within five years. Those money problems you had before you won? They will likely be there, only greatly multiplied, because most people adapt quickly to the dramatic change in scale, only to find themselves with a crushing burden of debt and tax payments after the cash runs out. And we won’t even get into the pressure from friends, acquaintances, and long-lost relatives who seem to magically appear, hands out, when they discover you’ve come into a pot of gold.

The bottom line is that the lottery won’t save you, but wise money management can save you from a world of stress, and money management is something that anyone can learn. Besides, if you learn to be smart about the money you have now, you’ll be far more likely to be smart if you ever do come into a fortune.

Klay Thompson Net Worth

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Klay Thompson is a professional American basketball player for the Golden State Warriors.  Thompson is recently coming off his second NBA championship with the Warriors.  The 27 year old is a three time NBA All-Star and the 2016 NBA Three-Point Contest champion.  Back in 2014, Thompson signed a massive deal with the Warriors worth nearly $70 million for four years.  Because of this deal, Klay Thompson’s net worth currently sits at $14 Million.

Thompson was born in Los Angeles and attended Santa Margarita Catholic school for his high school years.  He went on to play his college ball at Washington State University.  Klay was a three-year starter for the Cougars and averaged over 21 points per game in his junior season before declaring for the NBA draft.  He currently sits as the schools 3rd all-time leading scorer.

Klay Thompson’s net worth has increased dramatically over the past two years.  He was drafted #11 overall in the 2011 NBA draft by the Golden State Warriors and has spent his whole NBA career with the team.  His first contract he signed with the team was worth over $4 million for two seasons.  Being a first round pick, Golden State had the option to keep Thompson on their team for the following two years and they did just that.  Before the start of the 2014-2015 NBA season, Thompson and the Warriors agreed to a rookie extension that would be worth almost $70 million in guaranteed money.  This massive contract has helped contribute to a great deal of his net worth.

Living in California does hurt Thompson in terms of his net worth accrual.  He is subject to not only the federal but also the state of California’s highest tax brackets at 39.6% and 13.3% respectively.  Even despite these high taxes he has to pay, Thompson has done a good job sealing up a number of endorsements to further grow his wealth.  Klay’s shoe deal with Anta, a Chinese shoe brand, paid him around $3 million annually; however, he recently signed an extension with the shoe company and is expected to earn closer to $9 million annually through the deal.  His shoe deal coupled with his chocolate milk endorsement among others, has allowed him to expand his brand beyond the basketball court.

On a personal note, Thompson has a younger and older brother, both who play professional sports.  Klay’s father, Mychal Thompson, played in the NBA with a number of teams in the 1970’s and 80’s.  Klay and his father are the fourth father-son duo to have earned NBA titles as players.

We can expect Klay’s net worth to continue to increase throughout his NBA career.  With two years remaining on his current contract, he will make an average of over $18 million for the next two years.  After he plays out his current contract, he should expect another hefty payday if he continues to play at the all-star caliber that he has been known to.

2018 Roth IRA Contribution Limits

2018 Roth IRA Contribution Limits

We all know that we should be saving for retirement.  Whether you have a 401k, a pension, or an IRA, retirement accounts give individuals great tax breaks to help them prepare for their golden years.  It is often reported that people misjudge how much they will need in retirement.  The rule of thumb for a long time has been you need your retirement income to supplement 80% of your income when you were working; however, this number is different for everyone based on a number of factors.  One thing is certain.  Maxing out your retirement accounts never hurts.  For 2017, the IRA contribution limits stayed the same as they were in 2016.  You could contribute up to $5,500 towards your IRA, and if you were 50 or older you can contribute an additional $1,000 bringing your total yearly contribution limit to $6,500.  The 2018 Roth IRA contribution limits won’t be released until October of this year, but we can speculate what they might be.

Each year, the Internal Revenue Service (IRS) sets the income and contribution limits for IRA’s.  The last year that the IRS raise the contribution limit was for the tax year of 2013.  The contribution amounts for traditional and Roth IRA’s are the same each year.  They are evaluated and raised based on inflation.  The IRS will raise contribution limits in increments of $500.  This means that the next time they are raised, people under the age of 50 will be able to contribute a maximum of $6,000 a year to their IRA, while people over the age of 50 will be able to most likely contribute $7,000 a year.  In order for this raise in contribution limits to take place, inflation would need to be around 9% over a period of time for this to occur.

9% of $5,500 = $495

This would be near the $500 increment level the IRS would like to see to raise the contribution limits.

Since the last time the IRS raised contribution limits in 2013, inflation has risen by about 6.5% based on data tables.  This means that another 2.5% increase in inflation would be needed for the IRS to raise the contribution limits for traditional and Roth IRA’s.  With all of this being said, the most likely scenario is that 2018 Roth IRA contribution limits will remain unchanged.  A more likely scenario would be a raise in the contribution limits for 2019.

Despite the fact that the 2018 Roth IRA contribution limits won’t change, the IRS will still probably change some limits.  The limit they will change, and almost always do, is the income limits associated with eligibility for participation in IRA’s.  For 2017, the IRS raised the income phase-out limit to $118,000 for single earners and $186,000 for married, joint filling earners, raises of $1,000 and $2,000 respectively.

There are still many months to wait until the IRS reveals their 2018 Roth IRA contribution limits.  An increase in the limit would allow individuals to save an additional $500 a year in a tax-advantaged account.  Although an increase is doubtful, we can still remain hopeful.

Budget Smart, Invest Wise

Getting the Best Return for your Auto Insurance Dollar

3 ways to save money on car insurance

Investments are all about getting the best return for your money. A stock that doubles in price can make a person rich, while one that loses value can cost them time and money. The same principles hold true when it comes to insurance, specifically auto insurance.

Auto insurance fees are a variable amount that can be affected by several factors. A safe driving record, the amount of your deductible and your credit rating can all affect the cost of your insurance. Managing these factors will allow you to spend less on insurance.

Insurance as an investment

By treating insurance as an investment, you can take control of the spending and create a policy that is right for you while still being within your budget. You want to maximize your benefits – in case of an accident – while minimizing your investment.

There are the limits, of course. Setting up a policy that doesn’t cover any of the factors you are concerned with is wasteful of time and money. Having too much coverage for policy issues that you do not need is also wasteful.

There are three areas that can be adjusted by the policyholder to lower your payments.

  • Increasing the deductible. By having a higher deductible, you can reduce the down payment and monthly fees for your car insurance. However, if you do have an accident, your out-of-pocket expenses will be higher than for someone with a low deductible. If you, and the other drivers of your vehicle have safe driving records, it is a risk that can be worth taking.
  • Combining policies. Using the same company for auto and home insurance allows you to combine policies and allows the insurance company to use a ‘low-risk’ homeowner’s policy to underwrite some of the cost of a ‘high-risk’ auto insurance policy. Bundling policies gives the insurance companies an incentive to lower your rates.
  • Carry the correct coverage for your vehicle. Over insuring a vehicle wastes your money. If you don’t need comprehensive coverage – for example, if the car is paid off and older – then the money you are spending for coverage is much higher than it needs to be.

There are plenty of other factors that can affect individual insurance policies, exploring your options, as tedious and frustrating as it sounds, can save you considerable sums.

Credit rating can be important

The way your credit rating affects your insurance rate varies from state to state and it is difficult to give a comprehensive overview. Speak with your car insurance company to get an idea of how much weight your credit rating will have on your insurance.

In most cases, improving your credit rating will have a positive effect on your insurance premiums. Improving your credit rating is a valuable goal in itself but the savings you can get through insurance can increase the benefits.

Compare auto insurance companies

Educating yourself about the options you have with your current or potential insurance companies can mean an enormous difference in both your policy and your payments. Monitoring your policy and how your credit rating affects it can make a significant difference.

Getting cheap car insurance with points on your record is possible. Taking safe driver courses and keeping your driver’s record clean will help and there is a specific time limit for when points go away. Shopping around for insurance can give you an idea on which companies will give you the best rate, no matter the current state of your record.

Once you know how the factors affect each other, you can make well-informed decisions on the type and amount of insurance that is best for you and your situation. Treating the purchase of insurance like it was an investment is easy, because that is exactly what it is.

Allegiant Air Review

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The official start to summer begins on June 21st, but the warm weather and sunshine makes it feel like we are already in it.  Summer means kids out of school, pleasant weather and vacations.  Vacationing during the summer months has become a staple of many families across the U.S.  Whether you are travelling to visit family, going to the beach, or trekking through a national park, summer presents many individuals the opportunity to get out and about.  Nowadays, people are electing to fly more than ever.  Airlines have become more competitive with their fares in an effort to boost travel by air.  One of these airlines who is known for having great deals on flights is Allegiant Air.

Allegiant Air, or just Allegiant as it is more commonly known, is a budget airline based out of Las Vegas, NV.  Founded in the late 90’s as WestJet Express, Allegiant has rapidly gained popularity among passengers looking for cheap fares throughout the U.S.  With nearly 100 aircraft serving approximately 150 destinations, Allegiant has expanded its reach from coast to coast.  In this Allegiant Air review, I will discuss the positives and negatives of the airline along with some pertinent information you need to know before you book your summertime travel.

Allegiant Air Review: Positives

Probably the biggest positive in terms of Allegiant is the price of their fares.  I know of people who have booked round trip tickets for less than $100 on many occasions.  The earlier you plan and book your trip, the better the price.  Like most flights these days, Allegiant flights aren’t always booked to capacity.  This means that if there is an open seat you would feel more comfortable in you may go ahead and switch.  They also tend to fly into smaller airports.  The benefit of this is you have less crowds and TSA lines to deal with, and you can sometimes find flights into airports that the likes of Delta and American won’t touch.  Finally, their smartphone app and website make it easy to book and manage your flights just like the big airlines, so you don’t have to sacrifice convenience.

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Allegiant Air Route Map

Allegiant Air Review: Negatives

Of course there are also negatives to flying Allegiant Air.  First and foremost, when you book your flight, you need to stick with it.  Changing your flight or cancelling it results in lost money for you the customer.  Secondly, their customer service isn’t the greatest.  I’ve found myself calling before about a simple question only to find myself waiting for 45 minutes on the phone with no answer.  Lastly, as is the case with many budget airlines, they charge for the extras.  This means you have to pay extra for a carry-on or checked bag.  It also means that you don’t get any free refreshments.  Drinks, including soft drinks and snacks, are extra.

Conclusion:

If you are a planner and enjoy planning trips months in advance, Allegiant is definitely an airline to look at.  Even with paying for an extra bag or two, they are often times still cheaper than larger airlines.  The planes offer standard comfort, and  Allegiant oftentimes has direct flights that few other airlines can offer to varying destinations.