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.

Which U.S. Banks Offer Foreign Currency (Multicurrency) Accounts? Find out which U.S. banks offer foreign currency accounts -- also known as multi-currency accounts -- to personal banking customers. Who Can You Claim as a Dependent on Your Tax Return? Photo of Lance Cothern Lance Cothern Who Can You Claim as a Dependent on Your Tax Return? When you’re filing your taxes, you’ll need to know who you can claim as a... The Best Personal Loans in Arkansas for 2024 Photo of Lance Cothern Lance Cothern The Best Personal Loans in Arkansas for 2024 Personal loans allow you to borrow money without putting up collateral. This can... The Best Checking Accounts in Maryland for 2024 Find out which local Maryland banks offer the best checking accounts based on account fees and other features -- and compared to online checking options. How to Calculate Your Tax Bracket During Retirement Find out how to calculate your income tax bracket during retirement and determine the tax rate on any income, capital gains, and retirement fund distributions. Can You Opt Out of Paying Social Security Taxes? Photo of Lance Cothern Lance Cothern Can You Opt Out of Paying Social Security Taxes? When you received your first paycheck, you were probably in for a rude awakening.... 7 Options If You Don’t Have Health Insurance From an Employer Photo of Lance Cothern Lance Cothern 7 Options If You Don’t Have Health Insurance From an Employer Having health insurance is important. Without health insurance, one visit to... Roth IRA Contribution Limits for 2023 and 2024: How to Maximize Tax-Free Growth Find out how much you can contribute to a Roth IRA in 2023 and 2024, especially if you're concerned about eligibility due to high income. Foreign Bank Accounts: Reporting & Tax Rules That You Have to Worry About If you have (or are thinking about) a foreign bank account, learn about the rules regarding reporting and taxes to ensure that the IRS doesn't come after you. New 20-Year Treasury Bonds: Pros and Cons to Consider Before Investing Photo of Lance Cothern Lance Cothern New 20-Year Treasury Bonds: Pros and Cons to Consider Before Investing The U.S. Treasury hasn’t issued a 20-year bond since 1986, roughly 34 years ago....