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Consumer Snapshot May 2013
Consumer Snapshot May 2013
Consumer Snapshot May 2013
Consumer Snapshot May 2013
Consumer Snapshot May 2013
Consumer Snapshot May 2013
Consumer Snapshot May 2013
Consumer Snapshot May 2013
Consumer Snapshot May 2013
Consumer Snapshot May 2013
Consumer Snapshot May 2013
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Consumer Snapshot May 2013

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  • 1. www.ProsperDiscovery.comConsumer Snapshotmay 2013
  • 2. © 2013, Prosper®discoverysentiment strategymay 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 wobble in May, decreasing slightly to 39.3%very confident/confident in chances for a strong economy{adults 18+}consumers struggle with uncertaintysentiment is volatile – we haven’t seen any consecutivemonths of increase since Q3 201230%32%34%36%38%40%42%
  • 4. © 2013, Prosper®sentimentSource: Monthly Consumer Surveyconsumer confidencethose very confident/confident in chances for a strongeconomy wobbles in May, decreasing slightly to 39.3%layoff predictions over the next six months{adults 18+}consumers struggle with uncertaintysentiment is volatile – we haven’t seen any consecutivemonths of increase since Q3 2012unemploymenteight out of ten consumers feel that there will be “more”or the “same” number of layoffs over the next sixmonths, increasing slightly over a year agoMore, 24.8%Same, 55.4%Fewer, 19.8%wait a minute…isn‘t the US unemployment rate in decline?
  • 5. © 2013, Prosper®sentimentU.S. unemployment rate / labor force participation rate0.02.04.06.08.010.012.061.562.062.563.063.564.064.565.065.566.066.5Civilian Labor Force Participation Rate Civilian Unemployment RateLaborForceParticipationRate(%)CivilianUnemploymentRate(%)Source: U.S. Department of Labor: Bureau of Labor Statistics
  • 6. © 2013, Prosper®40%42%44%46%48%50%52%54%56%58%May-07Sep-07Jan-08May-08Sep-08Jan-09May-09Sep-09Jan-10May-10Sep-10Jan-11May-11Sep-11Jan-12May-12Sep-12Jan-13May-13All/Most of the Time Sometimes/NeverstrategySource: Monthly Consumer Surveyhow often do you feel that there is "too much month at the end of your paycheck"?{adults 18+}“too much month”consumers seem a bit more comfortable intheir ability to meet monthly spendingdemands compared to the Great Recessionand years followingGreat RecessionDebt CeilingCrisishowever among those 25 to 34, this gap isrelatively non-existent, with the challengesof child rearing, mortgages, student loandebt, etc. evident among this group
  • 7. © 2013, Prosper®strategySource: Monthly Consumer Surveyfeeling “Worse Off” financially compared to a year ago{adults 18+}feeling “worse off” financiallywhile 25-34 years are the most likely to feel afinancial pinch from month-to-month, the other agegroups aren’t immune to monetary struggles0%5%10%15%20%25%30%35%Adults18+18-24 25-34 35-44 45-54 55-64 65+about third of those 45+ are feeling “worse off”financially compared to a year ago, perhapsrevealing pressures of paying down mortgages,college tuition, student loans, AND preparing forretirement…what about saving?
  • 8. © 2013, Prosper®strategySource: U.S. Department of Commerce: Bureau of Economic Analysis/FREDU.S. personal saving rate0.01.02.03.04.05.06.07.08.09.0May-07Sep-07Jan-08May-08Sep-08Jan-09May-09Sep-09Jan-10May-10Sep-10Jan-11May-11Sep-11Jan-12May-12Sep-12Jan-13Percentspending at the expense of savingthe US personal saving rate remains at lowsnot seen since just before the Great Recession
  • 9. © 2013, Prosper®strategyhow much of your annual income do you estimate you will save this year?[adults 18+]spending at the expense of savingthe US personal saving rate remains at lowsnot seen since just before the Great RecessionSource: Monthly Consumer Survey0%1 to 10%11 to 20%21 to 50%More than 50%savings plansnearly half of consumers plan to save just1% to 10% of their income this year22.7% anticipates saving 0% - though animprovement over a year ago (25.1%)younger consumers maintain the mostaggressive savings outlookslearned a lesson?
  • 10. © 2013, Prosper®discoveryhappiness score [by generation, indexed to adults 18]members of the Silent generation identifiedas happiest in America, followed byBoomers, Gen X, and Millennialsas the number of candles on birthdaycakes increase, so does happiness?for more…visit ProsperDiscovery.comSource: American Pulse™90 95 100 105 110 115MillennialsGen XBoomersSilentoverall happiness increases with ageother findings:Boomers tend to be happier with their love livesversus other generationsMillennials are happier with their work lives /government compared to older generationsKey: Millennials (1983 – 1995), Gen X (1965 – 1982), Boomers (1946 – 1964), Silent (born pre-1946)
  • 11. © 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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