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.

Umbrella Insurance: What is Covered and When Does it Make Sense? Learn how umbrella insurance works to provide additional coverage to your standard policies -- with the goal of protecting your assets as a whole. Life Insurance for Expats and U.S. Citizens Living Abroad Photo of Lance Cothern Lance Cothern Life Insurance for Expats and U.S. Citizens Living Abroad Expats and U.S. citizens living abroad have reasons why they chose to live outside... Dollar-Cost Averaging: An Investment Strategy to Avoid "Timing the Market" Photo of Lance Cothern Lance Cothern Dollar-Cost Averaging: An Investment Strategy to Avoid "Timing the Market" Investing can be complicated, especially for someone getting started.  You have... 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? Learn what it means to trade futures contracts as investments for the purpose of hedging, price protection, and speculation for profits. 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? Photo of Lance Cothern Lance Cothern Life Insurance vs. Annuities: How Are They Different? If you’re drawing up your retirement plan, you may have been subjected to a sales... 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? Learn how life insurance companies handle policyholders who commit suicide and how suicidal death affects the benefits payout to beneficiaries. 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...