Your SlideShare is downloading. ×

Thanks for flagging this SlideShare!

Oops! An error has occurred.

×

Introducing the official SlideShare app

Stunning, full-screen experience for iPhone and Android

Text the download link to your phone

Standard text messaging rates apply

Consumer Snapshot April 2013

147
views

Published on

Published in: Economy & Finance, Business

0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total Views
147
On Slideshare
0
From Embeds
0
Number of Embeds
1
Actions
Shares
0
Downloads
3
Comments
0
Likes
0
Embeds 0
No embeds

Report content
Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
No notes for slide

Transcript

  • 1. www.ProsperDiscovery.comConsumer Snapshotapril 2013
  • 2. © 2013, Prosper®discoverysentiment strategyapril 2013Disclaimer: Prosper Business Development and its affiliated companies (“Prosper”) make no warranties, either expressed or implied, concerning: data gathered or obtained from any source; the present orfuture methodology employed in producing the statistics; or the data and estimates represent only the opinion of Prosper and reliance thereon and use thereof shall be at the user’s own risk.
  • 3. © 2013, Prosper®sentimentSource: Monthly Consumer Surveyconsumer confidencethose very confident/confident in chances for a strongeconomy climbs to 40.1% in Aprilvery confident/confident in chances for a strong economy{adults 18+}25.0%27.0%29.0%31.0%33.0%35.0%37.0%39.0%41.0%sure, an increase is great but….sentiment is volatile – we haven’t seen any consecutivemonths of increase since Q3 2012Thomson Reuters/University of Michiganpreliminary index of consumer sentiment for April 2013declined to a nine month low (source)
  • 4. © 2013, Prosper®sentimentSource: Money.MSN.com Screenshotconsumer confidencethose very confident/confident in chances for a strongeconomy climbs to 40.1% in AprilDow Jones Industrial Average Indexsure, an increase is great but….sentiment is volatile – we haven’t seen any consecutivemonths of increase since Q3 2012Thomson Reuters/University of Michiganpreliminary index of consumer sentiment for April 2013declined to a nine month low (source)what about the stock market?one out of three Americans judges the health of the U.S.economy by the performance of the stock market
  • 5. Source: Harris Interactive Study for Everest CollegeRead More: Stressed Out at Work? Its Getting Worse, Study Shows83% of American workers feelstressed out by their jobs, up from73% a year ago.1. Low Pay2. Unreasonable Workload3. Annoying Co-Workers, Commuting (tie)4. Working a Job not the Chosen Career5. Poor Work / Life Balance
  • 6. © 2013, Prosper®strategySource: Monthly Consumer SurveyWhich of the following financial steps are you planning to take in the next 3months? {adults 18+}financial stressdespite the uptick in confidence this month,consumers’ financial plans become moreconservative compared to March0% 5% 10% 15% 20% 25% 30% 35% 40%Decrease overall spendingPay down debtIncrease savingsPay with cash more oftenMar-13 Apr-13
  • 7. © 2013, Prosper®strategyfinancial stressdespite the uptick in confidence this month,consumers’ financial plans become moreconservative compared to Marchskinny piggy banksfebruary’s personal saving rate (ratio of personalsaving to disposable personal income) was 2.6%(source)Source: U.S. Department of Commerce: Bureau of Economic Analysis/FRED0.01.02.03.04.05.06.07.08.09.0Jan-02 Aug-03 Mar-05 Oct-06 May-08 Dec-09 Jul-11 Feb-13PercentU.S. personal saving rate
  • 8. © 2013, Prosper®strategyfinancial stressdespite the uptick in confidence this month,consumers’ financial plans become moreconservative compared to Marchskinny piggy banksfebruary’s personal saving rate (ratio of personalsaving to disposable personal income) was 2.6%(source)off the grocery list {adults 18+ who are trimming their lists}shorter shopping listsone out of three is trimming his/her grocery listsdue to current personal financial situation – thisfigure rises particularly among the 35-54 year oldsSource: Monthly Consumer Survey1. Impulse Items (62%)2. Magazines (40%)3. Snack Items (39%)4. Candy (38%)5. Cookies (37%)6. Name Brands in General (35%)Least Likely to give up?Coffee
  • 9. © 2013, Prosper®discoveryhappiness & the economy0%2%4%6%8%10%12%14%16%18%44%46%48%50%52%54%56%58%60%62%%PlanningtoBuyVehicleinNext6MonthsHappinessScoreHappiness Score Plan to Buy Vehicle*Light WeightVehicle SalesR= .73as Happiness fluctuates, intentions to buy anew car/truck in next 6 months tend tomove in same directionrelationship between the Happiness Score &Light Weight Vehicle Sales was examinedby time shifting the data onemonth (happiness leading) a strongcorrelation (r=.73) was identifiedhappy people buy carsfor more…visit ProsperDiscovery.comSource: Monthly Consumer Survey; U.S. Department of Commerce: Bureau of Economic Analysis/FRED
  • 10. © 2013, Prosper®thanksvisit ______________________to access:Consumer Snapshot InsightCenter™PowerPoint Slides…and moreProsper Insights & Analytics™400 W Wilson Bridge Rd, Ste 200Worthington, OH 43085info@goProsper.comProsperDiscovery.comConsumerSnapshot.comMessier 82 image source