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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.

The Best Checking Accounts in Hawaii for 2025 Photo of Lance Cothern Lance Cothern The Best Checking Accounts in Hawaii for 2025 Finding the perfect checking account can feel overwhelming. You likely have... Who pays interest taxes on joint bank accounts? Discover who is responsible for paying interest taxes on joint bank accounts and learn how to navigate this financial topic effectively. 5 ways to get tax-free income in retirement Find out how you can get tax-free income in retirement to ensure that more money stays in your pocket during the later years of your life. How to Open a Brokerage Account: What You Need to Start Investing Photo of Lance Cothern Lance Cothern How to Open a Brokerage Account: What You Need to Start Investing If you want to start investing, opening a brokerage account is usually the first step... Short-Term Health Insurance: What Is and Isn't Covered Photo of Lance Cothern Lance Cothern Short-Term Health Insurance: What Is and Isn't Covered You may come across short term health plans for many reasons. Maybe your employer... 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. Facet Wealth Financial Advisor 2025 Review Our review of Facet Wealth looks at the financial-advisory firm's fees, access to Certified Financial Planners, and their services. How to Determine If That Raise or New Job is Worth Relocating For Photo of Lance Cothern Lance Cothern How to Determine If That Raise or New Job is Worth Relocating For Assessing the raise amount in conjunction with other factors like relocation costs... Can Credit Card Reward Points Be Transferred Upon Death? Photo of Lance Cothern Lance Cothern Can Credit Card Reward Points Be Transferred Upon Death? Credit card reward points typically cannot be transferred upon death, as most... Got a Raise? Why Your Paycheck May Be Less Than You Expected When you received a raise and realize that your paycheck didn't increase by much, learn how to find out why your gross pay was lower than expected.