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 Get Life Insurance If You're Overweight or Obese Learn about the process of getting life insurance if you're overweight or obese, as it will have an impact on your eligibility, premiums, and coverage limits. Should I Give a Business Debit Card to an Employee? Photo of Lance Cothern Lance Cothern Should I Give a Business Debit Card to an Employee? Running a small business is a challenging but rewarding endeavor. Every day... What is a Credit Card Hardship Program and Do You Qualify? Photo of Lance Cothern Lance Cothern What is a Credit Card Hardship Program and Do You Qualify? If you’re staring at your credit card bills and wondering how you’re going to make... Should You Open a Cash or Margin Brokerage Account? Learn how margin brokerage accounts work compared to cash brokerage accounts, including the risks involved with margin trading -- such as margin calls. What to Do If You Haven’t Been Paying Quarterly Taxes Find out what you should do when you haven't been paying your estimated quarterly taxes, especially when you may not be able to pay owed taxes all at once. How to Choose the Right Family Health Insurance Plan Photo of Lance Cothern Lance Cothern How to Choose the Right Family Health Insurance Plan Health care costs are continuing to rise. This puts a strain on your family’s... What to Do If You're Claimed Wrongly as a Dependent on Someone Else's Tax Return Photo of Lance Cothern Lance Cothern What to Do If You're Claimed Wrongly as a Dependent on Someone Else's Tax Return Being claimed as a dependent on someone else’s tax return or claiming a dependent... Brokerage Account vs. IRA: What is the Difference? Learn out about the difference between a brokerage account and an IRA. Find out which one suits your investments. 403(b) vs. Roth IRA: Which is Better for Your Retirement Savings? Compare a 403(b) plan to a Roth IRA -- both of which are popular accounts for retirement savings. Learn to choose the best option for you. Can You Use a Personal Checking Account for Your Business? Photo of Lance Cothern Lance Cothern Can You Use a Personal Checking Account for Your Business? Yes. Technically, you could use a personal checking account for your business. It...