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Articles by Lance Cothern

Lance is a licensed Certified Public Accountant (CPA) in the state of Virginia and he covers money management, budgeting, financial products, and more. He is also the founder of Money Manifesto, a personal finance blog, where he writes about his family's relationship with money. Education: B.B.A. in Accounting from James Madison University.

The Difference Between Long-Term vs. Short-Term Capital Gains Photo of Lance Cothern Lance Cothern The Difference Between Long-Term vs. Short-Term Capital Gains New investors may not be familiar with the terms: long-term capital gains and... The Roth IRA 5-Year Rule: Ensure that Your Withdrawals Are Tax-Free Learn about the Roth IRA 5-year rule, which may restrict your ability to make tax-free withdrawals of your earnings. How to Invest in IPOs (Initial Public Offerings) Learn how to invest in IPOs (initial public offerings) and buy shares of companies that are about to become listed on the stock market. How to Trade Options Photo of Lance Cothern Lance Cothern How to Trade Options You may have heard about the concept of trading options before. If you have no... How Much Does a Financial Advisor Cost? Photo of Lance Cothern Lance Cothern How Much Does a Financial Advisor Cost? Personal finance is a complex topic to master. At the same time, it’s an... How to Invest in Oil Companies, Producers, ETFs & Mutual Funds Learn how you can invest in the oil industry, whether that is through oil company stocks, ETFs, or mutual funds. 702(j) Retirement Plans: Same as Life Insurance? Learn about 702(j) retirement plans and how they work -- especially if they function similar as life insurance as opposed to nest egg savings. How Couples Can Use a Spousal IRA to Save More for Retirement Photo of Lance Cothern Lance Cothern How Couples Can Use a Spousal IRA to Save More for Retirement You’ve probably heard of a traditional IRA and a Roth IRA. What you may not have... When You Need to Start Thinking About Buying Life Insurance Photo of Lance Cothern Lance Cothern When You Need to Start Thinking About Buying Life Insurance Find out which questions to ask yourself to know when it is the right time to start thinking about buying life insurance. Life Insurance Medical Exams: What to Expect Find out what to expect during a medical exam for life insurance purposes, including the next steps after you find out the results.