Mike Ginsberg’s Posts

It Takes Two to Tango. Maybe Three.

November 20th, 2014
Prison bars

We recently learned how the Feds busted up a crime ring involving debt collectors. According to the press announcement, the Justice Department and the FBI arrested seven offenders for their roles in a fraudulent debt collection operation that, over the course of five years, targeted more than 6,000 consumers across the United States and stole […]

Remember Mortgage Crisis: Lowering Down Payments Might Not Be the Answer

November 17th, 2014
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The mortgage market is over $8 trillion, and nearly 70 percent of all consumer debt, so changes in the mortgage market have a huge impact on all other areas of consumer debt, which supports credit grantors, ARM service providers, and many other industries. On October 20th, shortly after the release of our last mortgage blog […]

Celebrate our Veterans Every Day

November 11th, 2014
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Nearly 20 years ago, my wife and I bought our first home, a townhouse located in a neighborhood with other young family first-time home owners. Over the next few years, we got to know our neighbors and realized how fortunate we were to live near so many other couples with young families. What we did […]

Every Business is Saleable. The question is what price?

November 6th, 2014
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I strongly believe every business is saleable. Top performing businesses in a desirable market will always attract considerable buyer attention. What about underperformers that operate in less desirable markets? Yes, they are sold too. Every business is saleable provided the owner is flexible with price, deal terms and the time it takes to sell. If […]

When Considering Value, What Does the Buyer Think About?

October 30th, 2014
Deciding Which Door to Choose 2

Come on, admit it. The sale of your business has crossed your mind. Maybe not today but if you own a business, the thought of selling it has crossed your mind, and more than once. Maybe you’re at your wits end dealing with a disgruntled employee or a needy client and the notion of turning […]

Subprime Auto Collections – A growth market for ARM companies or the latest bubble about to burst?

October 22nd, 2014
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As we recall, painfully well, the Great Recession was largely about a housing bubble created by consumers eager to borrow and investors desperate for profits. The warning signs of the developing financial crisis were silenced in large part by securitization and a lack of regulatory oversight. Is another bubble market emerging in the subprime auto […]

The Mortgage Market and the Importance of Existing Home Sales

October 20th, 2014
housing

We are now more than halfway through October and that means the home buying season has more or less come to an end. Over the next two weeks, data will be released on new residential construction and existing and new home sales for September (click here). When this happens, existing home sales usually gets the […]

Critical Mistakes to Avoid When It Comes Time to Sell a Business

October 14th, 2014
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By definition, business owners wear a lot of hats. Throughout their professional careers, owners are head cheerleaders, chief bottle-washers, disciplinarians, mentors, negotiators, even therapists. However, most business owners never sell a business until it comes time for them to sell their own, so very few can add the title of “business broker” to their collection […]

Important Factors for ARM Professionals Formulating 2015 Budgets and Strategic Plans

October 6th, 2014
private equity

As we enter Q4, the home stretch for the year, some ARM professionals are wrapping up their strategic planning sessions and formulating their budgets for 2015. If you read the national headlines last week, you heard that September’s U.S. unemployment rate fell from 6.1% to 5.9%, slipping under 6% for the first time since 2008. […]

Farewell Derek Jeter

October 2nd, 2014
jeter

You don’t have to be a New York Yankees enthusiast like me to know that Derek Jeter retired from the game of baseball last Sunday. It was publicized practically everywhere. At a time when the NFL is dealing with the horrific actions of some of its marque players, sports enthusiasts are craving a feel-good story. […]

LATEST BLOGS

It Takes Two to Tango. Maybe Three.

November 20, 2014

We recently learned how the Feds busted up a crime ring involving debt collectors.

According to the press announcement, the Justice Department and the FBI arrested seven offenders for their roles in a fraudulent debt collection operation that, over the course of five years, targeted more than 6,000 consumers across the United States and stole more than $4 million.

The outrageous offenses listed in the sealed complaint include claims the defendants... ....
» see this post    » all posts


Remember Mortgage Crisis: Lowering Down Payments Might Not Be the Answer

November 17, 2014

The mortgage market is over $8 trillion, and nearly 70 percent of all consumer debt, so changes in the mortgage market have a huge impact on all other areas of consumer debt, which supports credit grantors, ARM service providers, and many other industries. On October 20th, shortly after the release of our last mortgage blog (click here), FHFA Director Mel Watt announced that mortgage-finance companies Fannie Mae and Freddie Mac would start backing loans with... ....
» see this post    » all posts


Celebrate our Veterans Every Day

November 11, 2014

Nearly 20 years ago, my wife and I bought our first home, a townhouse located in a neighborhood with other young family first-time home owners. Over the next few years, we got to know our neighbors and realized how fortunate we were to live near so many other couples with young families. What we did not realize at that time was how fortunate we really were to purchase the house we did.

By definition, townhouses are connected to adjoining houses so you get... ....
» see this post    » all posts


EVENTS

DBA International's 18th Annual Conference


ARIA Resort and Casino
Las Vegas, NV
February 3rd-5th, 2015

DBA International's 18th Annual Conference - Passport to the Future - is one of the most well attended events in the industry attracting more than 1,500 attendees. As a sponsor, your company will receive unprecedented exposure to potential clients and leaders in the receivables industry. Providing opportunities for exceptional lead generation.......

» see this event's details



2015 Larger Market Participant Summit


FHI360 Conference Center
Washington, D.C.
April 23rd, 2015

insideARM.com and the iA Institute host the third annual Larger Market Participant Summit.

This exclusive event caters to the unique interests of the larger firms in the ARM industry, with unparalleled peer networking, best practice discussion, panels focused on the latest issues... and no exhibit hall.


For senior executives only,.......

» see this event's details


Collection and Recovery Solutions 2015


Four Seasons Hotel
Las Vegas, NV
May 6th-8th, 2015

This content rich educational conference gives the techniques, strategies and resources for maximizing collection and recovery outcomes. Our goal is to enrich the intensity of the conference for the exhibitor, attendee and sponsor alike with an unparalleled learning experience. This is an exclusive gathering of industry professionals like none.......

» see this event's details