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Consumer Snapshot February 2013

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Prosper Business Development

The document summarizes consumer sentiment and behavior in February 2013 based on a monthly consumer survey. It finds that consumer confidence rose month-over-month consistent with other measures. While those expecting layoffs reached a 3-year high, 2 in 5 reported little impact from new tax laws, though 1 in 10 felt greatly impacted. Top copings included spending less overall, watching for sales, and using coupons more. A new discovery also found a correlation between happiness and housing starts.

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Consumer Snapshot february 2013 www.ProsperDiscovery.com
february 2013 1 2 3 sentiment strategy discovery Disclaimer: 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 or 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 users own risk. 息 2013, Prosper速
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 息 2013, Prosper速
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 息 2013, Prosper速
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? 息 2013, Prosper速
strategy fiscal cliff tax laws deal passed on New Years Day raised taxes for 3 out of 4 Americans in 201 according to the 3, Tax Policy Center 息 2013, Prosper速
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 Years 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 息 2013, Prosper速
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 Years 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 息 2013, Prosper速
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 peoples 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 息 2013, Prosper速
thanks visit ConsumerSnapshot.com access: ______________________to Consumer Snapshot InsightCenter PowerPoint 際際滷s and more Prosper Insights & Analytics 400 W Wilson Bridge Rd, Ste 200 Worthington, OH 43085 info@goProsper.com ProsperDiscovery.com Messier 82 image source 息 2013, Prosper速

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Consumer Snapshot February 2013

  • 1. Consumer Snapshot february 2013 www.ProsperDiscovery.com
  • 2. february 2013 1 2 3 sentiment strategy discovery Disclaimer: 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 or 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 users own risk. 息 2013, Prosper速
  • 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 息 2013, Prosper速
  • 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 息 2013, Prosper速
  • 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? 息 2013, Prosper速
  • 6. strategy fiscal cliff tax laws deal passed on New Years Day raised taxes for 3 out of 4 Americans in 201 according to the 3, Tax Policy Center 息 2013, Prosper速
  • 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 Years 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 息 2013, Prosper速
  • 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 Years 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 息 2013, Prosper速
  • 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 peoples 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 息 2013, Prosper速
  • 10. thanks visit ConsumerSnapshot.com access: ______________________to Consumer Snapshot InsightCenter PowerPoint 際際滷s and more Prosper Insights & Analytics 400 W Wilson Bridge Rd, Ste 200 Worthington, OH 43085 info@goProsper.com ProsperDiscovery.com Messier 82 image source 息 2013, Prosper速