A Comprehensive Cars.com Review

Many of us have read about Cars.com online or in the latest issue of USA Today. They’ve been endorsed by national news outlets and are most often associated with the online sale, trade and purchase of a new or used car. What some people might not know are the actual benefits of using their website. The benefits are actually pretty amazing, and might be more of what you are bargaining for when it comes to buying and maintaining your car.

Benefit 1: Research Car Models

So many times people go into a car dealership and get charged extortionate sticker prices, because they simply don’t know what a car is worth. Cars.com is a great place to know exactly what you are getting, the true value of the car, and just what you should be paying for your new or used car. With an easy comparison on cars.com, you can look at just about every make and model you might like to buy. All while comparing payments and learning just how much you should put down in order to finance your next car. You can also review a dealer, review a car, and read others reviews for honest comparisons by consumers just like you.

Benefit 2: The American-Made Index

Cars.com has come out a rating system, with something so many people look for in a car, a rating system that tells the consumer just how American their car really is. If you want to know what it takes to call a car American, look no further. In 2017, “Cars.com has revamped its longstanding American-Made Index for the first time. Over the AMI’s 11-year history, the number of models meeting our original criteria has fallen due to the globalization of automobile manufacturing — from more than 60 vehicles in the AMI’s inaugural year to eight last year. By the original requirements, only three 2017 models would have qualified this year.” If you’re looking to buy American made cars with American made parts, www.cars.com is the place to look for your next vehicle. Quite often buyers want to know if their engine was completely sourced in the U.S. Or they really want to know that an American vehicle was manufactured by an American car company. You can find all of that out and more in The American-Made Index.

Benefit 3: Service & Repair Options

Cars.com doesn’t just help you buy, sell and trade cars. They don’t just tell you which cars are American made and which hybrids offer more value for money when bought new. Cars.com actually offers you even more with their service and repair options. Not only can you get a service estimate and find a service center, you can also read some great advice on car service and repairs. Cars.com offers expert service advice on maintenance, brakes, coolant systems, drive trains and transmissions, electrics, engines, and so much more. Whether you are trying to figure out what is wrong with your car, or how to fix something yourself, their comprehensive advice is well worth the read. You can also read up on the latest safety recalls and notices, so you are on the up and up when it comes to keeping you safe on the open road.

Cars are an essential part of some people’s daily lives. They get you too and from work, take your kids to practice and summer camp, get some people to and from school, and often are the centerpiece of summer road trips and family vacations. That’s why it’s important to really be knowledgeable on cars and Cars.com can keep you in the know.

Luis Coronel Net Worth

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Luis Coronel is an American singer who was born in Tuscon, Arizona.  At 21 years of age, the singer is known for his Latin music from the Mexico region.  Earlier this year, the young sensation signed on with record label Sony Music Latin.  With so much music and promise ahead of him, the young star has a net worth that sits at $1.8 million.

Luis began his singing career at the age of six in his church’s choir.  An avid boxer throughout his youth, the singer sang after one of his matches, and his life would forever change.  He soon developed a social media following for his singing talent which eventually led him to be signed by DEL Records at 16 years old.  Luis Coronel net worth is derived mostly from his record deals.  After spending over four years with DEL Records, Luis signed on with Sony Music Latin and joined the likes of Jennifer Lopez, Enrique Iglesias, Marc Anthony and others.  The young singer has racked up many awards throughout his early career, but probably the greatest one to date he received in 2014, the Latin Billboard Music Awards for New Artist of the Year.

Coronel has released two studio albums, one in 2013 and his sophomore album in 2014.  His debut album, Con la frente en alto, reached as high as 80 on the US Billboard top 200 charts.  He followed this album up with an even more successful second album, Quiero ser tu dueño.  His second album made it all the way to number 33 on the US Billboard top 200 list and even was able to clench the top spot for the US Top Latin Albums during the year.

Developing a number of hits such as “Escápate” and “Será más fácil” has allowed Luis to focus on his touring.  He is currently on tour with Latin mega-star Prince Royce.  This tour should allow him to continue to grow his following, especially on YouTube where he has over 600k subscribers to his channel.

We can expect Luis Coronel net worth to continue to increase over the coming years and potentially decades.  At 21 years old, he has a long and promising music career ahead of him.  If Luis Coronel can continue on his path to creating hits and top selling albums, he can easily match the success of his tour mate Prince Royce.  Prince Royce is 28 years of age and has been in the business substantially longer than Coronel.  Prince Royce has over four million subscribers to his YouTube channel and a net worth in excess of $14 million.  Can Luis be the next Marc Anthony?  If he is able to see such success than there is no limits to the height of his net worth.  The likes of Anthony and Enrique Iglesias have a net worth that stretches close to the nine figure range.

Sidney Crosby Net Worth

Sidney Crosby is a professional hockey player for the Pittsburgh Penguins of the National Hockey League (NHL).  Nicknamed “Sid the Kid”, Crosby recently completed his twelfth season with the Penguins where he helped lead the team to yet another NHL Stanley Cup championship.  Originally from Canada, Crosby was drafted first overall by the Penguins in the 2005 NHL draft and has remained with the team ever since.  His career earnings for the Penguins is close to the nine figure range.  This has helped Sidney Crosby’s net worth skyrocket over the years.  As of 2017, Sidney Crosby’s net worth sits at $50 million.

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Crosby was born in 1987 in the province of Nova Scotia in Canada.  At just 29 years old, Crosby has garnered accolades thus far in his career that many could only dream of.  Sidney has helped the Penguins win three Stanley Cup championships since his arrival, most recently back to back for the 2015-2016 and 2016-2017 seasons.  He led the NHL in goals scored this past season which isn’t surprising considering he has totaled nearly 400 goals during his twelve season NHL career.  In addition to his NHL success, Crosby has also helped lead team Canada to back to back gold medals in the 2010 and 2014 Winter Olympics.

When Sidney first got drafted back in 2005, his first contract was worth $11 million for three years.  The Penguins quickly recognized the great player he would become and in 2007 he signed a five year contract worth over $8 million a year.  His top play continued, and knowing that they didn’t want to lose their franchise player, the Penguins signed Crosby to a 12 year $104 million contract in 2012.  If Sidney plays out the remaining contract he has with Pittsburgh, he will have earned more than $150 million for his NHL career.  To put that in perspective, the highest paying contract that NHL great Wayne Gretzky earned during his hall of fame career was a two year deal for $13 million in the late 1990’s.

The majority of Sidney Crosby’s net worth comes from his professional hockey earnings with the Penguins and team Canada; however, his top-notch play has led to numerous endorsements that have helped increase it further.  It is estimated that Crosby’s current endorsement deals pay him more than $4 million annually.  At the time of signing his endorsement with Rebook, it was the largest endorsement deal for any professional hockey player.  Coming off his second straight Stanley Cup championship, Sidney Crosby’s net worth should continue to increase significantly through further endorsements along with his future career earnings.

Upon getting drafted by the Penguins in 2005, Sidney lived with Penguin great Mario Lemieux for five years before purchasing his own place.  Crosby is very active in the community and in 2009 he created the Sidney Crosby Foundation that benefits children.  At under six feet tall and 200 pounds, Crosby isn’t the biggest of hockey players, but he sure is one of the best.

Ricky Stenhouse Jr. Net Worth

Ricky Stenhouse Jr. is an American professional racing driver on the NASCAR circuit.  Born in Memphis, TN, Ricky was raised and grew up just south in Olive Branch, Mississippi.  Stenhouse began racing at the age of six, and has grown his passion into a full-time job.  At just 29 years old, Ricky has been able to acquire a significant amount of wealth for someone who will turn 30 later this year.  Ricky Stenhouse Jr. net worth currently sits at $20 million.

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Ricky Stenhouse Jr. net worth has grown rapidly over the past few years.  In 2017 alone, Stenhouse has already racked up two wins at some of the biggest tracks on the circuit.  Thus far through the year, he has won the 2017 GEICO 500 at Talladega Motor Speedway and the 2017 Coke Zero 400 at Daytona.  A member of Roush Fenway Racing, Ricky currently drives the number 17 Fastenal car for the team.  Although he has seen quite the success through the 2017 season, Stenhouse has racked up the awards for a while now.  In 2010, he won the NASCAR Nationwide Series Rookie of the Year award.  He followed that award up with the 2013 NASCAR Sprint Cup Series Rookie of the Year award.  In both 2011 and 2012, he was the NASCAR Nationwide Series champion.

The majority of Ricky Stenhouse Jr. net worth comes from his earnings on the race track.  With the solid finishes he has posted throughout the season, his earnings are estimated to be between $3 to $5 million a year for his on the track earnings.  In 2016, the top paid drivers earned anywhere between $10 to $20 million for the year between on track earnings and endorsements.  Before this season, Ricky wasn’t as well known as he is now.  His two wins at Talladega and Daytona have helped make him a household name.  His relationship with fellow NASCAR driver, Danica Patrick, doesn’t hurt as well from a publicity standpoint.  With his two wins thus far this season, Ricky’s on track earnings should be the highest of his career.  Couple that with the many endorsements that will come along, and his earnings for 2017 could exceed eight figures.  We can expect Ricky Stenhouse Jr. net worth to likely increase to about $25 million by this time next year.  It is also expected that his net worth will continue to increase with racing success.  Big names in racing such as Jeff Gordon and Dale Earnhardt Jr. have a net worth that easily exceeds $100 million.  Granted, both are ending or have ended their racing careers and have had many years to build such wealth.

Ricky is fairly young for a racer on the NASCAR circuit.  At just 29 years of age, he has many more years of competitive racing ahead of him.  Some say he definitely has the potential to be among racing’s elites and with that comes a much higher net worth for Ricky.

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.

 

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.

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

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.

Renasant Bank Review

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Many of us are familiar with the national banks that stretch across the U.S.  These include Bank of America, Wells Fargo, Chase and others.  While often times we assume banking with the big banks is the best, that is sometimes not the case.

During the recent financial recession, a lot of pressure came down on smaller, local and regional banks.  No matter what bank it was, they all saw their stock price take a nose dive.  Renasant Bank began over 100 years ago in Mississippi.  Throughout it’s century long existence, the bank has continued to expand over the years.  Today, they have more than 175 locations spanning across the Southeast.  States where they operate include: Mississippi, Alabama, Tennessee, Georgia and Florida.  Renasant Bank is a full-service bank that offers everything from checking and savings accounts to loans and wealth management services.  This Renasant Bank review illustrates many of the benefits one can receive from a smaller, regional bank versus a national bank.  Below are the three biggest benefits received from this regional bank.

Benefit 1: Free Mobile Deposit: Today the popularity of smartphones have made mobile banking a must.  Nearly every bank has an app where you can access your banking services.  The development of the smartphone led to the creation of mobile deposit.  When mobile deposits were first introduced, many banks charged their customers for this service and some still do.  However with Renasant Bank, mobile deposit is completely free and deposits made before 6:00 PM can usually be expected to post to your account the next day.  This has become the most popular banking service of the modern day and has led to branch closings which ultimately leads to lower costs for banks around the country.

Benefit 2: ATM Fees Covered: We are living in a country where cash becomes less of a necessity each and every day, but there are still many places that prefer the green money to the plastic.  The main reason for this would be that businesses don’t have to worry about paying the credit card processing fees.  With the existence of all-cash places, the need for it is still out there.  While you can often times withdraw money from a grocery store or your bank’s branch for free, it isn’t always the most convenient.  Because of a lack of regional and national presence, many smaller banks reimburse you for such fees and Renasant Bank is no different.  It is always reassuring to know that when are in a crunch and need cash ASAP that you won’t be subjected to the sometimes $10 fee.

Benefit 3: More Personal Service: Some individuals are inclined to support the communities they live in.  They feel a personal obligation to help out their local economy.  This goes for grocery stores, small business and also banks.  When you bank with a smaller, more regional bank, you are more likely to build a personal connection with the people in that branch.  Thus, often times they will work with you on various things such as loans that bigger banks sometimes won’t.

Banking is an essential part of every day life.  Maybe you are younger and looking to open a bank account.  Maybe you feel a lack of trust or professionalism with your current bank.  Looking into smaller banks like Renasant can be a great option for many.