1. www.ProsperDiscovery.com
Consumer Snapshot
may 2013

2. © 2013, Prosper®
discoverysentiment strategy
may 2013
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 user’s own risk.

3. © 2013, Prosper®
sentiment
Source: Monthly Consumer Survey
consumer confidence
those very confident/confident in chances for a strong
economy wobble in May, decreasing slightly to 39.3%
very confident/confident in chances for a strong economy
{adults 18+}
consumers struggle with uncertainty
sentiment is volatile – we haven’t seen any consecutive
months of increase since Q3 2012
30%
32%
34%
36%
38%
40%
42%

4. © 2013, Prosper®
sentiment
Source: Monthly Consumer Survey
consumer confidence
those very confident/confident in chances for a strong
economy wobbles in May, decreasing slightly to 39.3%
layoff predictions over the next six months
{adults 18+}
consumers struggle with uncertainty
sentiment is volatile – we haven’t seen any consecutive
months of increase since Q3 2012
unemployment
eight out of ten consumers feel that there will be “more”
or the “same” number of layoffs over the next six
months, increasing slightly over a year ago
More, 24.8%
Same, 55.4%
Fewer, 19.8%
wait a minute…
isn‘t the US unemployment rate in decline?

5. © 2013, Prosper®
sentiment
U.S. unemployment rate / labor force participation rate
0.0
2.0
4.0
6.0
8.0
10.0
12.0
61.5
62.0
62.5
63.0
63.5
64.0
64.5
65.0
65.5
66.0
66.5
Civilian Labor Force Participation Rate Civilian Unemployment Rate
LaborForceParticipationRate(%)
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-07
Sep-07
Jan-08
May-08
Sep-08
Jan-09
May-09
Sep-09
Jan-10
May-10
Sep-10
Jan-11
May-11
Sep-11
Jan-12
May-12
Sep-12
Jan-13
May-13
All/Most of the Time Sometimes/Never
strategy
Source: Monthly Consumer Survey
how 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 in
their ability to meet monthly spending
demands compared to the Great Recession
and years following
Great Recession
Debt Ceiling
Crisis
however among those 25 to 34, this gap is
relatively non-existent, with the challenges
of child rearing, mortgages, student loan
debt, etc. evident among this group

7. © 2013, Prosper®
strategy
Source: Monthly Consumer Survey
feeling “Worse Off” financially compared to a year ago
{adults 18+}
feeling “worse off” financially
while 25-34 years are the most likely to feel a
financial pinch from month-to-month, the other age
groups aren’t immune to monetary struggles
0%
5%
10%
15%
20%
25%
30%
35%
Adults
18+
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, perhaps
revealing pressures of paying down mortgages,
college tuition, student loans, AND preparing for
retirement
…what about saving?

8. © 2013, Prosper®
strategy
Source: U.S. Department of Commerce: Bureau of Economic Analysis/FRED
U.S. personal saving rate
0.0
1.0
2.0
3.0
4.0
5.0
6.0
7.0
8.0
9.0
May-07
Sep-07
Jan-08
May-08
Sep-08
Jan-09
May-09
Sep-09
Jan-10
May-10
Sep-10
Jan-11
May-11
Sep-11
Jan-12
May-12
Sep-12
Jan-13
Percent
spending at the expense of saving
the US personal saving rate remains at lows
not seen since just before the Great Recession

9. © 2013, Prosper®
strategy
how much of your annual income do you estimate you will save this year?
[adults 18+]
spending at the expense of saving
the US personal saving rate remains at lows
not seen since just before the Great Recession
Source: Monthly Consumer Survey
0%
1 to 10%
11 to 20%
21 to 50%
More than 50%
savings plans
nearly half of consumers plan to save just
1% to 10% of their income this year
22.7% anticipates saving 0% - though an
improvement over a year ago (25.1%)
younger consumers maintain the most
aggressive savings outlooks
learned a lesson?

10. © 2013, Prosper®
discovery
happiness score [by generation, indexed to adults 18]
members of the Silent generation identified
as happiest in America, followed by
Boomers, Gen X, and Millennials
as the number of candles on birthday
cakes increase, so does happiness?
for more…
visit ProsperDiscovery.comSource: American Pulse™
90 95 100 105 110 115
Millennials
Gen X
Boomers
Silent
overall happiness increases with age
other findings:
Boomers tend to be happier with their love lives
versus other generations
Millennials are happier with their work lives /
government compared to older generations
Key: Millennials (1983 – 1995), Gen X (1965 – 1982), Boomers (1946 – 1964), Silent (born pre-1946)

11. © 2013, Prosper®
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