Receivables Turnover Ratio gives a snapshot of how well a company does by extending credit. The ratio is computed by putting the number of credit sales over the total amount of outstanding receivables. If a company is not able to efficiently collect on credit that it has extended to its customers or debtors, it will have a low Receivables Turnover Ratio. The top number is the amount of new receivable accounts opened during a period, and the lower number is the total number of outstanding receivable accounts. A much larger bottom number suggests that they are not able to efficiently collect on and close their receivables. Continue reading...
Student loan delinquencies are climbing to multi-year highs as repayment pressures mount. With more borrowers falling 30 and 90 days behind, financial stress is reshaping the credit landscape. Here’s how investors can potentially capitalize on growth in loan servicing, debt recovery, and credit monitoring sectors—using data-driven AI tools to manage risk. Continue reading...
Housing and consumer credit are showing early signs of strain even as major indexes remain stable. Historically, this divergence has preceded broader market turbulence—making risk management and adaptive trading strategies increasingly important. Continue reading...
Student loan debt in the United States has been a topic of concern for years, and the numbers for 2022 paint a complex picture of the challenges faced by borrowers and the evolving policies designed to address this issue. With total student loan debt reaching a staggering $1.77 trillion in June 2023, it's evident that higher education comes at a high price. This article delves into the key statistics, trends, and the outlook for student loan debt in 2022 and beyond. Continue reading...
Is the AI market entering bubble territory? Several indicators—from extreme valuations to rising bankruptcies—echo patterns seen before the Dot-Com crash. Here are seven signals investors should monitor and how traders are positioning for both upside and risk. Continue reading...
The mortgagor is the borrower in a mortgagor/mortgagee relationship, where the mortgagee is the lending institution that makes the mortgage loan. Mortgages are used to purchase real property, usually single family homes. The purchase of a home with a mortgage and the payments on the mortgage are one of the largest financial decisions or obligations that a mortgagor will ever make. If a mortgagor is delinquent on payments, he or she might be categorized as a home debtor, and the loan would be subject to foreclosure. If there is a foreclosure, the bank or lender will reposes the house, evict the former owner, and sell the house as quickly as possible, sometimes through an auction. Continue reading...
HASP came into being in 2009 in response to the housing market crash that made life very difficult for many Americans. Also known as the Making Home Affordable Plan. It called for the creation of various programs and support for lending institutions, consumers, and Fannie Mae and Freddie Mac. The Homeowner Affordability and Stability Program (HASP) has three main parts. Part one is to aid responsible homeowners who are suffering from falling home prices and have become underwater on their mortgages. Continue reading...
The HPA was enacted to protect consumers from the unscrupulous practices of some private mortgage insurance companies, which were not informing consumers of the consumer’s right to cancel their mortgage insurance at least by the time the individual had paid off 80% of their home. Consumers may be required to pay for private mortgage insurance to protect the lending institution if the borrower makes an initial payment of less than 20% of the value of the home. By law, lenders cannot require borrowers to have PMI after 80% of the original value of the mortgage has been paid off. Continue reading...
One investment niche that often goes unnoticed amidst the glamour of stocks and traditional real estate is property tax liens. These legal claims against assets serve as an alternative investment avenue for those seeking above-average returns. In this article, we will delve into what property tax liens are, how to invest in them, and the potential disadvantages associated with this investment vehicle. Continue reading...
Mortgage-backed securities (MBS) are products that bundle mortgages together and are traded like securities for sale on the markets. Typically investment banks build these products by bundling mortgages with different interest rates and risk premiums, with the hope of the investor gaining a higher yield than can be found from traditional risk-free products, like U.S. Treasuries. Mortgage-backed securities got an infamous name during the 2008 financial crisis, as many of the packaged loans were subprime in nature. Many MBS products lost incredible value during the crisis, particularly following ruling FAS 157, which required banks to mark their value to market. Continue reading...
The Great Recession, often linked to the Great Financial Crisis (GFC), remains a stark reminder of the devastating consequences of unchecked lending and investing practices in the housing market. As we delve into the annals of economic history, it becomes evident that this period, which spanned from December 2007 to April 2009, left an indelible mark on the housing market and the global economy at large. Continue reading...
Also simply called Receivables, the Accounts Receivable line on a General Ledger will contain the amounts owed to the company which are due to be received in the near future. If a company offers financing for the items it sells, or it has regular payments coming in for things such as rent, leases, monthly subscription or membership fees, and so on, they will have substantial numbers in their accounts receivable. Continue reading...
Collections companies are known as Bill Collectors, and their jobs are to extract as much payment from those who are past-due on payment obligations as they can to settle an account or to bring it current. When people do not pay their credit card companies back within about 150 days, the card company will pass the debt off to a collections company. Other businesses who do their own billing will also sometimes find it necessary to pass off the obligation to the collections company. Continue reading...
A lien is a legal filing through which a third party lays claim to certain assets, such as a person’s home, until an amount owed to them is paid. There are mechanic’s liens, judgment liens, and tax liens, any of which could be applied to a person’s home. A lien is a document serving as notice that a significant amount of money is owed to a third party and that certain assets of the debtor may be used to cover the obligation, becoming the property of the lien-holder if the debt is not paid in time. Continue reading...
Layoffs just surged to their highest January level since the financial crisis, raising concerns about labor-market momentum in 2026. As companies cut costs and uncertainty grows, investors are watching which sectors will suffer—and which may benefit from the shift. Continue reading...
America’s savings cushion is shrinking fast. With $469 billion wiped out since April and debt burdens rising, consumer spending patterns are shifting. Discount retailers and staples may gain, while discretionary and subprime lenders face pressure. Here’s how investors can position for a lower-savings 2026 economy. Continue reading...
A pivotal earnings week is underway as major banks, asset managers, and AI-driven tech leaders report results. From JPMorgan and Goldman Sachs to TSMC and BlackRock, see what earnings reveal about dealmaking, AI demand, and market direction in 2026. Continue reading...
Unrealized losses at U.S. banks remain high—and 2026 could bring major shifts depending on where interest rates go next. This breakdown explores the risks, scenarios, and how AI-powered trading tools like Tickeron’s Trend Trader help investors navigate the volatility in financial stocks. Continue reading...
IRS Link to Form — Found Here Form 1099-DIV is used to report dividend income and distributions from investments, and is usually filed by the company making the distribution. The taxpayer will only use the form as a reference for reporting on other forms, such as the Schedule B if the distributions are over $1,500. Mutual funds are a common source of the 1099-DIV, since they have to distribute their gains to shareholders every year. Continue reading...
IRS Link to Publication — Found Here The Publication 17 is a very large and detailed guide to help individuals correctly file their federal income tax returns. Form 1040, 1040-A, and 1040-EZ are the return forms used by individuals for federal income tax, but most people won’t know which one to use without either consulting a tax professional or reading this handy 290-some-odd page document. There are many ins-and-outs when it comes to filing federal income tax returns, and Publication 17 is robust enough to clear up many of the questions that might be asked by non-professional filers and CPAs alike. Issues such as filing status, charitable contributions, and a list of instructions for deductions individuals can take, are all listed, among other things. Continue reading...