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.

New 20-Year Treasury Bonds: Pros and Cons to Consider Before Investing Find out about the pros and cons of investing in the new 20-year Treasury bonds, a new form of low-risk investment to help diversify a portfolio. Tax Efficient Investing: Put Investments in the Right Places to Reduce Taxes Owed Photo of Lance Cothern Lance Cothern Tax Efficient Investing: Put Investments in the Right Places to Reduce Taxes Owed Investing is tricky on so many levels. You have to figure out what to invest in,... How to Save on Life Insurance With the Ladder Strategy Photo of Lance Cothern Lance Cothern How to Save on Life Insurance With the Ladder Strategy A person’s need for life insurance coverage changes as they grow older. Initially,... 8 Business Checking Account Fees to Watch Out For See the most common fees associated with business checking accounts so that you know what to watch out for when picking a checking account for your business. 5 Signs You Need a New Checking Account Find out how your checking account could be hurting your finances and what you should look for in the best checking account for you. How to Protect Against Wage Garnishments, Bank Levies Photo of Lance Cothern Lance Cothern How to Protect Against Wage Garnishments, Bank Levies When you have creditors coming after you to repay the debt you owe, life can be... How to Help Manage the Finances of Aging Parents Photo of Lance Cothern Lance Cothern How to Help Manage the Finances of Aging Parents Getting old is a fact of life. Unfortunately, people may start to lose their... What Happens If You Need an Early Withdrawal from a 529 Plan? Learn about the penalties and taxes that may apply to early withdrawals (aka. unqualified withdrawals) from a 529 saving plan that was for education costs. Why You Should Pay Attention to the Expense Ratio on Mutual Funds and ETFs Learn all about expense ratios and the impact on the returns of your investments. Find out what fees are included in the costs. Do You Need a CPA or CFP for Financial Advice? Photo of Lance Cothern Lance Cothern Do You Need a CPA or CFP for Financial Advice? Figuring out how to manage your finances can be difficult for even the simplest...