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.

How to Calculate and Minimize Capital Gains Taxes on Your Investment Profits Learn how capital gains taxes apply to investment profits and find out how to calculate and reduce short-term or long-term capital gains taxes. How Long Can You Stay on Your Parents’ Health Insurance Plan? Photo of Lance Cothern Lance Cothern How Long Can You Stay on Your Parents’ Health Insurance Plan? Health insurance coverage is both confusing and expensive, especially if you’ve... Is Your Social Security and Disability Covered If You File for Bankruptcy? Photo of Lance Cothern Lance Cothern Is Your Social Security and Disability Covered If You File for Bankruptcy? The bankruptcy process is complicated and shouldn't be taken lightly. No matter... How Retirees Should Handle Retirement Funds During a Recession Find out how retirees should manage their retirement funds during recession so that their investment portfolios still provide cash with some growth potential. Should You Use a Solo 401(k) to Save for Retirement? Learn how solo 401(k)s work to help the self-employed and business owners save for retirement. Compare this plan to SEP IRAs, SIMPLE IRAs, and regular IRAs. Umbrella Insurance: What is Covered and When Does it Make Sense? Photo of Lance Cothern Lance Cothern Umbrella Insurance: What is Covered and When Does it Make Sense? When you purchase home and auto insurance, you have to choose how much liability... Life Insurance for Expats and U.S. Citizens Living Abroad Photo of Lance Cothern Lance Cothern Life Insurance for Expats and U.S. Citizens Living Abroad Expats and U.S. citizens living abroad have reasons why they chose to live outside... Dollar-Cost Averaging: An Investment Strategy to Avoid "Timing the Market" Learn about the dollar-cost-averaging investment strategy for long-term growth that doesn‘t worry about the ups and downs of the stock market. How to Save for Retirement When You’re Unemployed Learn how you can still save for retirement when you're unemployed or lost your job -- consider the different accounts that you still have for investing. What Are Futures? How Do They Work as Investments? Photo of Lance Cothern Lance Cothern What Are Futures? How Do They Work as Investments? If you read any investing focused sites such as CNBC, chances are you’ve heard the...