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.

What is the Historical Average Stock Market Return? Learn about the historical average stock market returns to estimate the growth of your investment and retirement portfolios. When to Sell Your Stocks: Whether for Profit or at a Loss Photo of Lance Cothern Lance Cothern When to Sell Your Stocks: Whether for Profit or at a Loss Investing is likely a cornerstone of your wealth-building plan. Saving for... How Hybrid Life Insurance Can Also Pay for Long-Term Care Photo of Lance Cothern Lance Cothern How Hybrid Life Insurance Can Also Pay for Long-Term Care As you plan for your financial future, you may have come across some scary... Accidental Death & Dismemberment Insurance vs. Life Insurance: The Differences Learn how accidental death + dismemberment coverage is different from life insurance as both policies will pay death benefits. Domestic Partner Health Insurance: How Does It Work?. Find out how domestic partner health insurance can be used to extend healthcare coverage (and save money on premiums) to couples who may not yet be married yet. Indexed Universal Life Insurance: How Does It Work? Photo of Lance Cothern Lance Cothern Indexed Universal Life Insurance: How Does It Work? People generally build assets over time with the goal to one day retire. In the... Pregnancy & Health Insurance: How to Get the Right Coverage Photo of Lance Cothern Lance Cothern Pregnancy & Health Insurance: How to Get the Right Coverage Whether you’re pregnant or hoping to get pregnant, one thing is for... Long Term Disability Insurance: How Does It Work? Learn how long term disability insurance cover workers who may not be able to bring in income after a serious injury and when a private policy makes sense. What Does a Financial Advisor Do to Help Improve Your Finances? Learn how financial advisors can help you along your financial journey, from answering questions about complex financial matters to handling your investments. Should You Reinvest Dividends or Take the Cash? Photo of Lance Cothern Lance Cothern Should You Reinvest Dividends or Take the Cash? In the world of investing, a profitable investment isn't just defined as one that...