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.
A Guide to Purchase-Money Mortgage

A Guide to Purchase-Money Mortgage

Purchase-money mortgages are largely utilized by potential home buyers who do not have enough money in the bank for a traditional down payment on a home. And by folks who have bad credit and are unable to get approved for a mortgage through a bank or other lender. Unlike traditional bank mortgages, purchase-money mortgages come with mostly non-negotiable and quite high-interest rates.

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How Applying for a Student Loan Feels Different These Days

How Applying for a Student Loan Feels Different These Days

Parents and students will agree that there’s an increased sense of uncertainty today when it comes to pursuing higher education plans. Even those who have set aside college funds for their children might now be dealing with unemployment, and so now must seriously look into available higher education loan opportunities.

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Is Debt Consolidation Better than a Balance Transfer Card?

Is Debt Consolidation Better than a Balance Transfer Card?

Not all debt is evil. Debt is a tool that allows us to make major purchases like homes or vehicles on affordable terms. Responsible use of debt allows us to weather rough times while still putting food on the table and meeting basic needs. But sometimes, you need a bit of help organizing and paying it off. Let’s look into debt consolidations versus balance transfer cards.

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Everything You Need to Know About Collateral Loans

Everything You Need to Know About Collateral Loans

You’re probably familiar with several types of collateral loans without being aware that’s what they’re called. If you’ve ever paid for a home over time or financed an automobile, you’ve probably used a collateral loan. In a typical mortgage, the home itself acts as security for the loan; if you don’t make your house payments, [...]

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Your Educational Guide On How to Pay for College

Your Educational Guide On How to Pay for College

Find all about various ways to pay for college. We’re talking about saving, grants and scholarships, as well as student loans. Review this guide for more information!

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How To Finance A Mobile Home: Park or Drive Here

How To Finance A Mobile Home: Park or Drive Here

RV life and traveling sound like so much fun. And when you calculate the cost, you’ll see that traveling in an RV can save you a lot of money. So let’s talk about how to finance a mobile home.

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How to Use A Personal Loan for A Major Purchase

How to Use A Personal Loan for A Major Purchase

There are as many varieties of loans as there are borrowers and lenders, and unless we stop and think about the specifics of what’s in front of us, we’ll most likely agree to the first offer that waves “low monthly payments” or “zero percent interest” in front of us like a hypnotist’s shiny watch. Any offer that doesn’t hold up well to a few simple questions probably isn’t a very good offer.

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Auto Refinancing to Help Save More Money

Auto Refinancing to Help Save More Money

Auto refinancing is a valid option whatever your situation. It’s not for everyone in every situation, but it’s worth looking at long enough to decide whether or not it’s right for you right now.

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Small Business Loan Statistical Overview: By the Numbers

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 As it turns out, what counts as a “Small Business” often depends on the type of business being discussed [...]

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Pros and Cons of Small Business Loans: Steady Growth

Pros and Cons of Small Business Loans: Steady Growth

We live in complicated economic times. It’s never been easy to own or manage your own business, but the past several years have certainly added wrinkles most of us never anticipated. Then again, you didn’t get where you are by playing things too safe. Small business owners understand perhaps better than anyone the need to [...]

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