Kaulkin Ginsberg's Blogs

Semiannual Wealth Outlook: Collection Liquidation Results May Improve Amidst Positive Wage and Disposable Income Trends

May 18th, 2017

When analyzing the economy and its interaction with the ARM industry, wealth-related economic metrics may be the most important indicator for growth. At its core, the economy is healthy when individuals, on average, are earning and spending more money, and economic livelihood is expanding, while the ARM industry is strongest when collection liquidation results are on the rise. As such, it makes sense that wealth metrics are the perfect tool for analyzing the strength of the economy and ARM industry

The Rise of Artificial Intelligence and its Impact on the Economy

May 17th, 2017

Discussions on robotics and artificial intelligence, and the role they will play in society and the economy have been going on for quite some time. Manufacturing and service-based industries have been a particular area of focus for automation since it promises more cost-efficient operations by removing the largest variable expense line – people. But as robots (e.g., machines and computer/engineering programs) continue becoming the norm and optimal method for getting things done, what are the impacts on the ever-changing economy and ARM industry?

E-Commerce: Growing into a Massive Industry

May 10th, 2017

In 2016, US retail sales exceeded $1.2 trillion – a more than three-fold increase since 1992 – yet employment in the retail sector fell by nearly third since peaking in 2001. Shifting consumer preferences and investments in online shopping services are the driving factors behind this trend that could lead to new and exciting opportunities for the ARM industry.

The Fading American Dream

May 9th, 2017

The "American Dream" advocates equal opportunity for all and that the next generation should live healthier, richer, and better overall lives than the last. However, researchers found in a study examining data over a 45-year period that this "dream" is becoming exceedingly hard to achieve, and Kaulkin Ginsberg believes this could have a profound impact on the ARM industry.

Trump’s Proposed Tax Cuts Creates More Questions Than Answers

May 5th, 2017

The Trump Administration’s current tax plan may have created more questions than answers due to its lack of details on how the government would cover all of the tax cuts being proposed. That said, the one-page document still provides a good benchmark for where the administration intends to take tax reform.

New York State Now Offers Free College Tuition: The Potential Beginning of a Major Nationwide Trend

April 27th, 2017

The Department of Education contract for debt collection services is one of the most lucrative and sought after contracts today by ARM companies. However, state-level legislation like The Excelsior Scholarship could have profound effects on the student loan market.

Non-Employment Index: An Alternative Employment Stat

April 26th, 2017

The U.S. unemployment rate is a popular measure for looking at the health of the U.S. economy, but alternative measures like the non-employment index may provide even greater insight. In this blog, Kaulkin Ginsberg’s analysts examine the strength of the U.S. economy using this alternative measure and its relation to the ARM industry.

Healthcare: The Ever-Growing Industry

April 25th, 2017

The healthcare industry is one of the most widely analyzed industries in the US due to its seemingly never ending growth. As such, it’s no surprise the ARM industry is so focused on the potential impact of a repeal and replace bill for the ACA.

The American Health Care Act: Potential Effects on ARM

March 20th, 2017

Seven years after former President Barack Obama signed his signature bill, The Patient Protection and Affordable Care Act (ACA), there may actually be a repeal and replacement bill, hopefully fixing some of the problems incurred through the ACA. However, It’s not clear whether this new bill will correct all of the problems associated with the ACA without creating a few new problems of its own.

Semiannual Employment Outlook for Q4 2016: Continued Optimism

March 17th, 2017

Kaulkin Ginsberg’s market intelligence team is optimistic about the current U.S. employment environment, specifically as it relates to the ARM industry. Overall, we believe the data suggests a significant increases in consumer spending will take place that will eventually drive debt accumulation throughout the economy, and thereby increasing revenue potential for the ARM industry.


How will the Growing Peer-to-Peer Lending Industry Impact the ARM Industry?

October 24, 2017

Who do small-business owners turn to when they don't have enough internal capital but want to invest? Traditional commercial banks, or peer-to-peer lenders?....

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The Impacts of the Recent Hurricanes on the Economy and the ARM Industry

October 19, 2017

In the past few months, the U.S. was devastated by a series of hurricanes. Do natural disasters have long- or short-term affects the accounts receivable management industry? ....

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Are Effective Strategic Planning Resources Available for ARM Companies?

October 17, 2017

It's that time of year again. Owner-operators and executives are getting together to set plans for 2018. Are there any effective strategic planning resources available to the ARM industry?....

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Kaulkin Ginsberg Company Releases Middle Market ARM Benchmarking Report

October 12, 2017

Kaulkin Ginsberg Company announced it's release of the middle-market ARM Benchmarking Report available to KG Prime Universal members.....

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Kaulkin Ginsberg Company to Release Exclusive and Comprehensive Index

September 13, 2017

Kaulkin Ginsberg Company will release an exclusive and comprehensive index detailing the economy's effect on the ARM industry. ....

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The Kaulkin Ginsberg Fall 2017 Fellowship Semester Begins

September 12, 2017

Kaulkin Ginsberg Company, in conjunction with the University of Maryland, College Park's Department of Economics, began its fall 2017 fellowship semester earlier this month for the fourth year.....

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