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Consumer Snapshot April 2013
Consumer Snapshot April 2013
Consumer Snapshot April 2013
Consumer Snapshot April 2013
Consumer Snapshot April 2013
Consumer Snapshot April 2013
Consumer Snapshot April 2013
Consumer Snapshot April 2013
Consumer Snapshot April 2013
Consumer Snapshot April 2013
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Consumer Snapshot April 2013

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  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

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