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 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... Split-Dollar Life Insurance Plans: How Do They Work? Photo of Lance Cothern Lance Cothern Split-Dollar Life Insurance Plans: How Do They Work? Getting life insurance from a life insurance company can help protect the finances... Life Insurance vs. Annuities: How Are They Different? Learn the differences between life insurance and annuities when it comes to beneficiaries and overall financial value How to Get Cash Out of Your Life Insurance Policy Find out how you can get cash out of your life insurance policy if you need to tap the cash value to pay for an emergency or other expenses. Life Insurance & Suicide: Does Life Insurance Pay for Suicidal Death? Photo of Lance Cothern Lance Cothern Life Insurance & Suicide: Does Life Insurance Pay for Suicidal Death? People buy term life insurance and other types of life insurance to cover their... Return of Premium Rider For Term Life Insurance When It Expires And You Don’t Die Photo of Lance Cothern Lance Cothern Return of Premium Rider For Term Life Insurance When It Expires And You Don’t Die Term life insurance is often the most cost-effective solution to protect your... Who Should Have Survivorship (Joint) Life Insurance? Learn how survivorship life insurance (also known as joint life insurance) works and who should consider this type of policy. What The Payroll Tax Deferral Really Means for Your Paycheck Find out what the payroll tax deferral, under President Trump's executive order, will affect you and your paycheck for 2021. What Are Accelerated Death Benefits and How Do They Work? Photo of Lance Cothern Lance Cothern What Are Accelerated Death Benefits and How Do They Work? You have many options when you buy life insurance. Your goal should be to get the...