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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.

Inheriting a 401(k): How to Manage the Assets Photo of Lance Cothern Lance Cothern Inheriting a 401(k): How to Manage the Assets Inheriting a 401(k) often comes at an unfortunate time. Someone close to you... How to Calculate and Minimize Capital Gains Taxes on Your Investment Profits Learn how capital gains taxes apply to investment profits and find out how to calculate and reduce short-term or long-term capital gains taxes. How Long Can You Stay on Your Parents’ Health Insurance Plan? Find out how long you can stay under your parents' health insurance policy and the options you have available when you no longer qualify for coverage. Is Your Social Security and Disability Covered If You File for Bankruptcy? Photo of Lance Cothern Lance Cothern Is Your Social Security and Disability Covered If You File for Bankruptcy? The bankruptcy process is complicated and shouldn't be taken lightly. No matter... How Retirees Should Handle Retirement Funds During a Recession Photo of Lance Cothern Lance Cothern How Retirees Should Handle Retirement Funds During a Recession Recessions can be extremely scary for the average person’s finances. They can be... Should You Use a Solo 401(k) to Save for Retirement? Learn how solo 401(k)s work to help the self-employed and business owners save for retirement. Compare this plan to SEP IRAs, SIMPLE IRAs, and regular IRAs. 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.