1. Consumer Snapshot
february 2013
www.ProsperDiscovery.com

2. february 2013
1 2 3
sentiment strategy discovery
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future 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.
© 2013, Prosper®

3. sentiment
very confident/confident in chances for a strong economy
{adults 18+}
40.0%
consumer confidence
38.0% rises month-over-month, consistent with University of
Michigan/Thomson Reuters consumer sentiment gauge
36.0% (preliminary February 201 reading)
3
34.0%
32.0%
30.0%
28.0%
26.0%
Source: Monthly Consumer Survey
© 2013, Prosper®

4. sentiment
expecting “more” layoffs over the next 6 months
{adults 18+}
More U.S. Unemployment Rate consumer confidence
35.0% 10.0%
rises month-over-month, consistent with University of
9.0%
30.0% Michigan/Thomson Reuters consumer sentiment gauge
8.0% (preliminary February 201 reading)
3
Expecting “More” Layoffs
U.S. Unemployment Rate
25.0% 7.0%
employment
6.0%
20.0%
those expecting “more” layoffs reaches highest
5.0%
February reading in 3 years, as U.S. unemployment
15.0%
4.0% remains a stagnant 7.9% for January
10.0% 3.0%
2.0%
5.0%
1.0%
0.0% 0.0%
Feb-10 Feb-11 Feb-12 Feb-13
Source: Monthly Consumer Survey, Bureau of Labor Statistics
© 2013, Prosper®

5. sentiment
how have new “fiscal cliff” tax laws impacted spending?
consumer confidence
rises month-over-month, consistent with University of
Michigan/Thomson Reuters consumer sentiment gauge
(preliminary February 201 reading)
3
employment
those expecting “more” layoffs reaches highest
February reading in 3 years, as U.S. unemployment
remains a stagnant 7.9% for January
policy
are consumers feeling the effects of the new
“fiscal cliff” federal tax laws?
© 2013, Prosper®

6. strategy
fiscal cliff tax laws
deal passed on New Year’s Day raised taxes for
3 out of 4 Americans in 201 according to the
3,
Tax Policy Center
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7. strategy
how have the new “fiscal cliff"federal tax laws affected the spending,
saving, or budgeting plans of your household for 201 {adults 1
3? 8+}
Greatly fiscal cliff tax laws
Impacted,
16.7% deal passed on New Year’s Day raised taxes for
3 out of 4 Americans in 201 according to the
3,
Tax Policy Center
Little or No impact
Impact,
2 out of 5 reported “little or no impact” on
41.8%
finances; just as many feel “somewhat” impacted
more than one out of ten have been “greatly” impacted
Somewhat
Impacted,
41.5%
Source: Monthly Consumer Survey
© 2013, Prosper®

8. strategy
top 5 ways consumers are financially coping with new
“fiscal cliff” tax laws {adults 18+}
fiscal cliff tax laws
Spending less overall
deal passed on New Year’s Day raised taxes for
3 out of 4 Americans in 201 according to the
3,
Watching for sales more often Tax Policy Center
impact
Reducing dining out
2 out of 5 reported “little or no impact” on
finances; just as many feel “somewhat” impacted
Using coupons more often
more than one out of ten have been “greatly” impacted
Spending less on clothing
cope
0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 3 out of 4 households report that they are taking
Adults 18+ HH Earning Under $50K HH Earning $50K+ measures to financially cope with the new
fiscal cliff tax laws
Source: Monthly Consumer Survey
© 2013, Prosper®

9. discovery
happiness & the economy
happy people buy houses
new discovery provides support that happiness is a leading indicator of key
economic markers: happiness & housing
The correlation was examined between the Happiness Score and
thousands of government data points, resulting in more than 6,000
correlation coefficients.
The observations were time shifted one month (with happiness leading)
and relationships were identified with people’s overall happiness and the
following:
New Private Housing Permits (r=.79)
New Private Housing Starts (r=.75)
New Private Housing Under Construction (r=.61)
for more…
visit ProsperDiscovery.com
© 2013, Prosper®

10. thanks
visit ConsumerSnapshot.com access:
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Consumer Snapshot InsightCenter™
PowerPoint Slides
…and more
Prosper Insights & Analytics™
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Worthington, OH 43085
info@goProsper.com
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© 2013, Prosper®