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Blaine Koehn

Author: Blaine Koehn

Blaine Koehn is a former small business manager, long-time educator, and seasoned consultant. He’s worked in both the public and private sectors while riding the ups-and-downs of self-employment and independent contracting for nearly two decades. His self-published resources have been utilized by thousands of educators as he’s shared his experiences and ideas in workshops across the Midwest. Blaine writes about money management and decision-making for those new to the world of finance or anyone simply sorting through their fiscal options in complicated times.

Credit Card Statistics That Will Shock You: Data 411

Choosing the right credit card is like choosing the right automobile, or your favorite restaurant. It won’t be the same for everybody, and what’s important to you often changes over time as well. Sometimes your circumstances evolve; sometimes your goals aren’t the same as they were before. Maybe you’d simply like to have several different ...

What Can I Do to Avoid A Personal Loan?

I know what you’re thinking. “Dude, are you sure you’re writing for the correct blog? I thought you guys were all about hooking people up with lenders and yay personal loans! If I avoid a personal loan, aren’t you doing everything wrong?” I prefer to think of it in terms of helping people get themselves ...

Mortgage Loan Statistical Overview: By the Numbers

Most of us want at least THREE things from home-buying experience. First, we want to FEEL GOOD about it. We want to believe we’ve settled on the right house, negotiated a good price, and locked in a decent interest rate with the right lender. Second, we want to UNDERSTAND IT, at least enough that we ...

Small Business Loan Statistical Overview: By the Numbers

According to the U.S. Small Business Administration (SBA), a small business is a business with fewer than 500 employees. Well, sort of. Most of the time. Maybe, under certain circumstances. Small Business Loan Statistics & Definitions: I’ll bet you thought basic definitions would be the easy part, didn’t you? As it turns out, what counts ...

Auto Loan Statistical Overview: By the Numbers

The data show not all Americans are benefiting from the strong labor market… The share of subprime borrowers who fell well behind on car payments the last three months of the year was the highest since the second quarter of 2010. ~ Bloomberg.com (February 12th, 2019) I told a girl I can start right away, ...
Credit Card Basics Spelled Out: Credit 101

Credit Card Basics Spelled Out: Credit 101

“Money is a terrible master but an excellent servant.” ~ P.T. Barnum, entertainer and entrepreneur “The desire of gold is not for gold. It is for the means of freedom and benefit.” ~ Ralph Waldo Emerson, American author, speaker, and philosopher “The handy thing about credit cards is they’re a great way to pay off ...
Pros and Cons of Small Business Loans:

Pros and Cons of Small Business Loans: Steady Growth

Can we talk shop for a moment? I know you’ve been wondering if it’s time. Is it time to get serious about that home business you keep wanting to try? Is it time to expand that part-time work you actually like more than your “real job” so that maybe it becomes your “real job”? Or ...

Mortgage Loan Basics Spelled Out: Lending 101

Let’s talk mortgage loan basics: A mortgage is a loan on property – for example, your home – which is paid back over time to the lender along with an agreed upon interest rate. What makes it different than a simple “loan” is that the lender has the right to take over the property if ...

Business Loan Basics Spelled Out: Loans 101

In many ways, business loans are very similar to any other sort of loan you might consider. You evaluate your needs, prepare your financial information, and shop for a lender willing to offer terms you consider acceptable. As with any other loan, the better your credit history, the better the terms you’re likely to be ...

Auto Loan Basics Spelled Out: Lending 101

Ever notice how there are things it feels safe to ask about and other things you feel like you’re supposed to just magically… know? A friend of mine recently mentioned she’d purchased a car. She told me the color, make, and model. I asked about the engine, its features, and how it felt to drive. ...