BESPOKE Market Intelligence Consumer Pulse Dashboard
Consumer Sentiment
Consumer Confidence
Spending Categories
Employment
Income / Job Security
Personal Finances
Stock Market View
Investor Sentiment
Gas Prices
Financials
Credit Card Payments
Renting / Mortgage
Recent Home Purchases
Future Home Purchases
Real Estate Sites / Apps
Home Improvement
Recent Auto Purchases
Expected Auto Purchases
Health Insurance Costs
Healthcare Utilization
Healthcare
Autos
Housing
Healthcare Procedures
Mortgage Delinquencies
Accounts, Traffic, Purchases, ASPs: Past Month
Smartphone Retention Rates (AAPL; Android)
Streaming Services (NFLX; P; AMZN)
Social Media (FB; TWTR; LNKD)
E-Commerce (AMZN; EBAY; GRPN; ZU; OSTK)
Drug Stores (WAG; RAD; CVS)
Home Improvement Retail (LOW; HD; SHLD)
Department Stores (M; SKS; JWN; DDS; JCP; KSS)
Restaurants (MCD; YUM; CMG; WEN; DNKN; PNRA; SBUX)
Dollar Stores / Big Box (FDO; DG; DLTR; FIVE; WMT; TGT)
Airlines (DAL; AAL; UAL; JBLU; LUV)
Online Travel (PCLN; OWW; EXPE; TZOO)
Consumer Electronics (AAPL; GOOG; AMZN; MSFT; NOK)
New Apple Products (AAPL)
Theme Parks (DIS; SIX; MCAI; SEAS; FUN)
Smartphone Ownership (AAPL; BBRY; AMZN; MSFT)
Sector Specific (Click Buttons to View)
Stock Specific (Click Buttons to View)
Summary Pages (Click Buttons to View)
Consumer Macro (Click Buttons to View)
Summary Data Map
Sentiment
Labor Market
Consumer Finances
Housing
Retail Traffic / Activity
Overall
Key Takeaways
Consumer Heat Map
Stock Recommendations
Investors
Interest Rates and Risk
Return to DashboardBESPOKE Market Intelligence
Key Takeaways – Data MapSeptember Readings
At right is our Data Map that summarizes all of the indicators that we’reable to pull from our monthly survey. The most recent reading is shownunder “Current”, and we highlight whether it got better or worse versusthe prior month and this month the prior year.
Overall consumer data was weaker this month, led lower by Housing (anarea that had been a key driver of sentiment) and Activity, where almostevery single category registered MoM declines. Overall confidence wasstronger, as gas prices eased, and labor market indicators were basicallyrobust as hours worked, unemployment, and jobless claims all fellsequentially. For both categories, though, September 2015 is looking lessconstructive that September 2014.
That said, there are some positives. While Sentiment and Labor are weakversus 2015, Housing and Activity are much stronger. We also note thatwhile the stock market crash had major impacts on investors (bears andbulls have totally flipped versus last year and market pessimism hassurged), there don’t appear to be other direct impacts. FinancialConditions versus the average person improved, Confidence in financeswas nearly unchanged, and macro job concerns didn’t move upsignificantly. Overall, our Pulse data confirms what we’ve seen from otherindices: stock market declines are only having a specific impact, not ageneral one.
SEPTEMBER 2015
Current
Current Conditions
vs. Aug 2015 (M/M) Last Month
Current Conditions
vs. Sep 2014 (Y/Y) Last Year
Sentiment
Consumer Confidence (Economy) 2.75 Better 2.68 Better 2.70
Consumer Confidence (Finances) 2.88 Worse 2.89 Worse 2.95
Discretionary Spending 2.70 Worse 2.71 Worse 2.78
Living Paycheck to Paycheck 48.9 (%) Better 49 (%) Worse 42.6 (%)
Financial Condition vs. Average Person 3.06 Better 3.03 Worse 3.13
Labor
Weekly Hours Worked (Across Industries) 38.0 Better 37.6 Worse 38.5
Unemployed and Looking for Work 8 (%) Better 9.3 (%) Worse 6.6 (%)
US Unemployment Outlook 3.03 Same 3.03 Same 3.03
Filed for Unemployment Assistance 5.3 (%) Better 5.9 (%) Worse 3.7 (%)
Concerns About Job Security 3.62 Worse 3.61 Worse 3.58
Finances
Consumer Debt 2.63 Worse 2.60 Worse 2.57
Credit Card Delinquencies 12.0 Better 13.2 Worse 8.0
Personal Income 3.32 Worse 3.40 Better 3.27
Housing
Building Permits 2.7 (%) ↑ 2.4 (%) ↑ 1.9 (%)
Recent Purchases (past three months) 2.4 (%) ↓ 3.8 (%) ↓ 3 (%)
Planned Purchases (in next year) 7.2 (%) ↓ 7.7 (%) ↑ 5 (%)
Mortgage Delinquencies (2+ months) 7.6 (%) ↓ 6.9 (%) ↑ 6.1 (%)
Refinanced Mortgage in Past Year 7.8 (%) ↓ 8.4 (%) ↑ 5.7 (%)
Activity
Retail Traffic (Visits Per Respondent)
Drug Stores 0.92 ↓ 0.99 ↓ 1.02
Big Box / Dollar 1.77 ↓ 1.81 ↓ 1.85
Home Improvement 1.25 ↓ 1.30 ↓ 1.31
Department Stores 0.83 ↓ 0.90 ↑ 0.88
Purchase Activity (Purchases Per Respondent)
E-Commerce 1.41 - 1.41 ↑ 1.40
Consumer Electronics 0.60 ↓ 0.62 ↑ 0.46
Airlines 0.28 ↓ 0.29 ↑ 0.27
Restaurants 2.26 ↓ 2.37 ↓ 2.46
Healthcare
Hospital Utilization (past month) 8.1 (%) ↓ 8.3 (%) ↑ 7.8 (%)
Physician Utilization (past month) 22.3 (%) ↓ 24.5 (%) ↓ 23.1 (%)
Insured 87.7 (%) ↓ 89.3 (%) ↓ 89.5 (%)
Autos
Purchases (past three months) 6 (%) ↓ 6.7 (%) ↑ 5.7 (%)
Expected Purchases (next six months) 9.9 (%) ↓ 10.4 (%) ↑ 7.2 (%)
Investors
Risk Tolerance 2.84 ↓ 2.92 ↑ 2.87
View of Stock Market 2.78 ↓ 3.04 ↓ 3.16
Bullish Sentiment 16 (%) ↓ 24.6 (%) ↓ 32.2 (%)
Bearish Sentiment 35.5 (%) ↓ 20.1 (%) ↑ 16.6 (%)
Bespoke Consumer Pulse Data Map
BESPOKE Market Intelligence
Key Takeaways – Heat MapConsumer Pulse surveys 1,500 to 2,000 Americans, with geographic distributions in-linewith the US Census. The survey always takes place during the week containing the 12th ofthe month and poses 100 questions that we group in to six sections: Sentiment, LaborMarkets, Personal Finances, Housing, Activity, and Investors. By breaking down ConsumerPulse into these sections, we are able to show not only top-down sentiment trends andtheir drivers, but individual areas of strength or weakness with respect to demand,budget, and trends.
The next eight pages break down key trends we saw for each of these areas, includingactionable single-stock or ETF trade ideas that are supported by the data from the survey.Our single-stock takeaways are provided on page 4, and a summary of each category atright is provided on pages 6-10. Following our category summaries, we delve intodetailed analysis of individual questions, broken up by section. The Heat Map at rightshows the high-level assessment of this month’s report, but it’s important to note thatour findings are difficult to summarize with one “net” reading. This month saw twolagging areas (Sentiment and Labor) improve sharply, while two of the former leaders(Housing and Activity) take a pause, at least for the month of September.
Changes in Heat Map Versus Last Month
- Labor Market: Lower unemployment, more hours.
- Housing: Declines in most indicators MoM, but still much improved versus 2014.
- Consumer Sentiment: Lower gas prices mean higher sentiment, regardless of stocks.
- Consumer Activity: Broad-based declines in activity in every sector we track.
- Personal Finances: Mixed this month, with some delinquency improvements.
- Investor Sentiment: Huge shifts as stock crashes kneecap bullish sentiment.
SEPTEMBER 2015
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Bespoke Consumer Heat Map
Outer Band: Year-
Over-Year Change
Inner Band: Month-Over-Month Change
Better Same Worse
Positive Neutral Negative
Inner Band
Outer Band
BESPOKE Market Intelligence
Key Takeaways – Stock PicksThe stocks below are names that have positive and negative catalysts based on the data we gathered fromconsumers.
LHCG (LHC Group Inc) – Healthcare prices have stabilized per our respondents’ perceptions, and that isaccretive to healthcare services companies. With a growing share of the population receiving Medicare, wealso like LHCG as its primary customers are Medicare recipients. (Page 26)
AMZN (Amazon Inc) – Amazon continues to grow its nascent streaming service and is also proving extremelysuccessful growing purchase volumes over the past few months, especially amongst lower incomeconsumers. (Pages 33 and 36)
MCD (McDonald’s Corp) – McDonald’s has been able to keep foot traffic trending sideways for severalmonths, and we think that the traffic trends are going to start benefiting shares more materially. (Page 44)
JWN (Nordstrom Inc) – Nordstrom is extremely challenged in an environment where shopping is shiftingonline and high income consumers (who are by far JWN’s most important customers) are trying to get ahandle on big equity market declines. (Page 42)
PNRA (Panera Bread Company) – Panera’s share of foot traffic has been on a persistent downtrend for ayear, despite a ramp up in the stock’s price. It’s quite vulnerable here, in our view, and is worth paring backexposure having made a large and persistent move since lows in the middle of 2014. (Page 44)
SEPTEMBER 2015
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LHC Group Inc (LHCG): Last Six Months
Amazon Inc (AMZN): Last Six Months
McDonald's Corp (MCD): Last Six Months
25
30
35
40
45
50
55
350
400
450
500
550
600
85
87
89
91
93
95
97
99
101
103
Nordstrom Inc (JWN): Last Six Months
65
67
69
71
73
75
77
79
81
83
Panera Bread Company (PNRA): Last Six Months
150
160
170
180
190
200
210
BESPOKE Market Intelligence
Key Takeaways: Sentiment
Gas prices continued to decline with the typical consumer registering a decline in recent pricetrends. While not as significant as the observed impact in late 2014 and early 2015, we’ve seena sharp trend towards cheaper gas for the average American. How much lower gas prices cango from here remains unclear as oil has stopped falling and moved largely sideways for the pastmonth. That said, we think the impact is completely unambiguous and it does suggest thatmore optimism from consumers this month may be somewhat unsustainable.
Between our last reference period and the current one, stocks declined over 10% and enteredtheir first real correction since 2011. What’s more, the declines were extremely sharp anddidn’t have clear catalysts given economic developments and international headlines during thedrop. While market participants are of course aware of some key drivers (positioning and Chinaforemost amongst them, in our view), there was no large narrative of slower economic activity.The fact that the internals of our sentiment index (shown on a net basis with components atright) are quite positive also suggests that the stock market drama had little impact on thetypical person in this country. Sharp declines in negative sentiment and a gradual rise inpositives are indicators that the gas price declines impacting all are more important thanretirement account declines felt by some.
Key Takeaways
- Gas price changes are a tailwind for confidence going forward.
- Uniform improvement in consumer sentiment is entirely the gas price effect.
SEPTEMBER 2015
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1.661.48
2.19
2.712.92
3.49 3.51
3.10 2.97
2.15
Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Noticed Change In Gas Prices (Tracker)
Much Lower
Lower
Same
Higher
Much Higher
20.8
38.9
-18.0
-30
-20
-10
0
10
0
10
20
30
40
50
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Confidence in the Economy (%)
Positive or Very Positive (Left Axis)Negative or Very Negative (Left Axis)Net (Right Axis)
BESPOKE Market Intelligence
Key Takeaways: Labor Market
For most of our survey’s history, the chart at right hasn’t trended very much, with jumpsand falls every few months. It shows the percentage of not employed workers who filedfor unemployment assistance in the past month; a proxy for new joblessness or firings.Over the last three months, the indicator has moved lower each month. We view this asa constructive sign for labor demand, with businesses consistently less inclined to reduceheadcount.
Another strong sign for labor demand is the hours worked average, which gained backsome of its recent declines. With new firings falling and hours rising month-over-month,it’s hard to view the labor market as soft despite weak total employment figures asshown on page 14. The share of respondents who are retired also hit a multi-month high,explaining part of the recent drop in total employment reported by our respondents.
Key Takeaways
- Third straight monthly decline in new unemployed, the best streak in our survey’s history.
- Uptick in hours worked points to steady labor demand.
SEPTEMBER 2015
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4.8
5.8
3.7
4.1
5.4
6.7
3.9
6.0
6.9
4.2
5.1
6.96.1 5.9
5.3
0
2
4
6
8
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Not Employed: Filed For Unemployment Assistance In Past Month (%)
37.3
38.4
38.5
39.7
38.738.4
37.938.2
37.9
38.338.5
37.7
37.737.6
38.0
36
38
40
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Hours Worked: Average
11.912.0
15.4
14.214.1
11.7
13.7
12.512.0
13.1
12.4
13.213.0
11.6
13.8
10
11
12
13
14
15
16
Share of Respondents That Are Retired
BESPOKE Market Intelligence
Key Takeaways: Finances
While expected spending based on our tracker charted at right isn’t exactly crashing, it’sreached its lowest levels we have recorded. At this time last year, our tracker was 0.08points higher. To reiterate what we’ve shared previously, we don’t consider the level ofthe tracker to be particularly important, but where it sits in relation to previous instancesis. By that analysis, our data suggests the consumer is looking to spend less than at anypoint in the previous 14 months. We caution that previous declines in consumerspending intentions haven’t necessarily resulted in large declines in activity, but we dosee the current spending intentions drop as quite worrying.
While consumer spending intentions are low this month, realized activity has beenaccelerating notably, with headphones, smartphones, laptops, gaming consoles, and TVsall trending higher over the past year. So while consumers continue to feel lesscomfortable about their finances (despite pay increases) and are expecting to tightentheir belts, some measures of spending look quite robust. This is an interesting puzzle,but does suggest what spending we do see is extremely sustainable as it is coming purelyfrom wage gains and not from dissavings via higher debt or lower absolute savings rates.
Key Takeaways
- Expected spending tracker hits lowest level we have recorded.
- Reported actual spending is much, much higher than expected spending.
SEPTEMBER 2015
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Expected Spending On Discretionary Items, Next Few Months (Tracker)
5 - Much More
4 - More
3 - Same
2 - Less
1 - Much Less
2.1
3.13.7
5.45.8
6.9
12.7
13.4
0
2
4
6
8
10
12
14
16
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Purchased During Past Month (%)
Stereo System
Desktop Computer
Printer
Gaming Console
Tablet
Laptop Computer
TV
Headphones
Smartphone
BESPOKE Market Intelligence
Key Takeaways: Housing
Recent home purchases reached their lowest levels in almost a year during September,falling to 4.6% of respondents. Purchases within the last three months, which broadlytrack purchases within the last year, fell sharply from their highest levels in our survey’shistory to the lowest levels since March. Neither bodes well for the trajectory of homepurchases in the near-term, and indicates that the slowdown in existing and pendinghome sales we have seen in official stats recently is likely to persist a few more monthsdespite robust new home sales, permitted housing starts, and actual housing starts.
Less interest in home improvement also appears to be hitting home improvementretailers. As shown on page 23, home improvement interest is waning, and with it is foottraffic at major home improvement retailers from recent project-doers. As shown, everymajor retailer’s rolling three month visit percentage fell MoM, with the largest declineshitting general retailers like Walmart and Target.
Key Takeaways
- Home Purchase activity is slowing, with recent purchases falling especially fast.
- Visits to home improvement retailers look to be slowing thanks to less home improvement activity.
SEPTEMBER 2015
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2.4
4.6
0
1
2
3
4
5
6
7
8
9
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Home Purchase Tracker (%)
Within the past three months
Within the past year
28.130.1
21.7 21.7
26.0
0
5
10
15
20
25
30
35
Home Depot Lowe's Walmart Target Sears
Has Done a Home Improvement Project During Past Month - Visited Retailer During Past Month (3 Month
Rolling Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
BESPOKE Market Intelligence
Key Takeaways: Activity
Activity at department stores hit its lowest levels in October last year; we may see similaractivity this year as part of a broad downtrend in visits to physical locations. At right weshow that more than half of consumers have not visited a department store in the lastmonth. For individual stores, visits have trended lower consistently. We shouldabsolutely expect a trend up for the holiday season but given the secular pressure onretail foot traffic we would be somewhat surprised if it surpassed last holiday season’slevels.
At right we show the percentage of respondents who have visited traditional retailoutlets (segmented into broad retailers and department stores) versus the percentagethat have purchased a product online in the past month. As shown, a growingpercentage of retail is shifting online, and that’s having impacts on foot traffic and salesfor traditional retailers while only having a mixed impact on the total value of goodsconsumers purchase.
Key Takeaways
- Visits to department stores continue to trend lower, partially due to seasonality.
- Online purchase activity is steadily increasing, stealing share from traditional retailers.
SEPTEMBER 2015
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2.15.6
8.1
18.922.323.5
52.4
0
10
20
30
40
50
60
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Have Visited in the Past Month (%)
Bloomingdales
Sak's FifthAvenueDillard's
Nordstrom
JC Penney
Macy's
Kohl's
None of theabove
73.0
47.6
82.9
30
35
40
45
50
55
60
65
60
65
70
75
80
85
90
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Consumer Spending Habits: Online Purchases vs Store Visits, % of All Respondents
Purchased Item Online (Left Axis)
Visited Big Box/Dollar Store (Right Axis)
Visited Department Store (Left Axis)
BESPOKE Market Intelligence
Key Takeaways: Investors
Our tracker for views of the stock market fell off a cliff, dropping 0.26 points, the biggestdrop MoM in our history. Investors are now net negative for the second time since oursurvey began. This is largely to be expected given three straight quarterly declines for USequities, including the August rollover. For the most part, these are a lagging orcoincident indicator but we can say that our data do not suggest investors are dealingwith the decline in stocks as a minor hiccup.
Interestingly, while stocks are declining, more interest is flowing towards the market. In acertain sense, we would view elevated interest in the market as contrarian; both duringincreases and declines in prices. The theory would be that the marginal investor is drawnin to market chatter at just the wrong time, with smart money moving the opposite wayahead of prices. Regardless of the validity of this theory, we do think the highest readingin our series coming during the steepest declines in asset prices are a general indicator ofthe “car crash” effect; you know you should turn away, but the brutality keeps youwatching.
Key Takeaways
- Investor views of the stock market most negative on record.
- “Car crash” effect as interest in the stock market rises.
SEPTEMBER 2015
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Jul
Aug Sep
Oct
Nov
De
c
Jan
Feb
Ma
r
Ap
r
Ma
y
Jun
Jul
Aug Sep
Current View of the Stock Market (Tracker)
5 - Very Positive
4 - Postitive
3 - Neutral
2 - Negative
1 - Very Negative
35.8
42.0
38.6
40.5
37.6
42.0
39.2
39.6
38.8
40.742.0
38.9
40.6
44.1
45.1
30
32
34
36
38
40
42
44
46
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Follow Stock Market On A Regular Basis? (%)
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BESPOKE Market Intelligence
Consumer Confidence SEPTEMBER 2015
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20.8
38.9
-18.0
-30
-20
-10
0
10
0
10
20
30
40
50
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Confidence in the Economy (%)
Positive or Very Positive (Left Axis)Negative or Very Negative (Left Axis)Net (Right Axis)
44.1 44.5
42.6
42.0
44.1
43.0
44.7
43.2
45.8
43.4
46.6
46.8
49.4 49.048.9
38
40
42
44
46
48
50
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
"Living Paycheck to Paycheck": Agrees or Strongly Agrees (%)
7.5
35.7 36.9
18.0
1.1 0.9
8.7
34.336.9
17.7
1.8 0.7
6.6
32.2
39.5
18.2
2.60.9
0
5
10
15
20
25
30
35
40
45
Very Negative Negative Neutral Positive Very Positive N/A
Confidence In The Economy (%)
Jul
Aug
Sep
11.3
19.517.4
25.9
23.0
2.9
0
5
10
15
20
25
30
StronglyDisagree
Disagree Neither AgreeNor Disagree
Agree Strongly Agree N/A
"I consider myself living paycheck to paycheck" (%)
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BESPOKE Market Intelligence
Gas Prices SEPTEMBER 2015
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17.2
56.1
13.0
7.9
1.14.7
0
10
20
30
40
50
60
Much lower Lower Same Higher Much Higher I don't know
Noticed Change In Gas Prices (%)
1.661.48
2.19
2.712.92
3.49 3.51
3.10 2.97
2.15
Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Noticed Change In Gas Prices (Tracker)
Much Lower
Lower
Same
Higher
Much Higher
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Discretionary Spending SEPTEMBER 2015
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11.4
23.1
50.4
14.0
1.10
10
20
30
40
50
60
Much Less Less Same More Much More
Expected Spending On Discretionary Items, Next Few Months (%)
Expected Spending On Discretionary Items, Next Few Months (Tracker)
5 - Much More
4 - More
3 - Same
2 - Less
1 - Much Less
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BESPOKE Market Intelligence
Employment SEPTEMBER 2015
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4.8
5.8
3.7
4.1
5.4
6.7
3.9
6.0
6.9
4.2
5.1
6.96.1 5.9
5.3
0
2
4
6
8
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Not Employed: Filed For Unemployment Assistance In Past Month (%)
Expectations For US Unemployment Level One Year From Now (Tracker)
5 - Much Better
4 - Better
3 - Same
2 - Worse
1 - Much Worse
50.7
14.5
8.0
7.3
13.8
5.7
0 20 40 60
Employed, working fulltime (LeftAxis)
Employed, working parttime (RightAxis)
Not employed, looking for work (RightAxis)
Not employed, NOT looking for work
Retired
Disabled, not able to work
Employment Status (%)
4.3
22.1
39.9
28.8
2.5 2.5
0
5
10
15
20
25
30
35
40
45
Much worse Worse Same Better Much better N/A
Expectations For US Unemployment Level One Year From Now (%)
50.7
14.5
8.0
0
5
10
15
20
50
52
54
56
58
60
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Employment Status (%)Employed, working fulltime (Left Axis)
Employed, working parttime (Right Axis)
Not employed, looking for work (Right Axis)
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BESPOKE Market Intelligence
Income and Job Security SEPTEMBER 2015
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37.3
38.4
38.5
39.7
38.738.4
37.938.2
37.9
38.338.5
37.7
37.737.6
38.0
36
38
40
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Hours Worked: Average
4.7
10.5
39.2 39.6
6.0
0
5
10
15
20
25
30
35
40
45
Much less Less Same More Much more
Current Income vs. One Year Ago (%)
Current Income vs. One Year Ago (Tracker)
5 - Much More
4 - More
3 - Same
2 - Less
1 - Much Less
24.2
32.8
24.8
12.9
3.71.6
0
5
10
15
20
25
30
35
StronglyDisagree
Disagree NeitherAgree NorDisagree
Agree StronglyAgree
N/A
"I am concerned that I will lose my job" (%)
"I am concerned that I will lose my job" (Tracker)
5 - Strongly Disagree
4 - Disagree
3 - Neither
2 - Agree
1 - Strongly Agree
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BESPOKE Market Intelligence
Personal Finances SEPTEMBER 2015
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8.6
41.5
53.4
40.5
4.7
0
10
20
30
40
50
60
Very Negative Negative NeitherNegative nor
Positive
Positive Very Positive
Current Feelings Towards Personal Finances (%)
Current Feelings Towards Personal Finances (Tracker)
5 - Very Positive
4 - Positive
3 - Neutral
2 - Negative
1 - Very Neg.
5.7
22.3
46.7
21.6
3.6
0
10
20
30
40
50
Much worse Worse Same Better Much better
Feelings Towards Personal Finances vs 1 Year Ago (%)
Feelings Towards Personal Finances vs 1 Year Ago (Tracker)
5 - Very Positive
4 - Positive
3 - Neutral
2 - Negative
1 - Very Neg.
4.9
23.7
37.6
28.4
5.4
0
5
10
15
20
25
30
35
40
Very Negative Negative NeitherNegative nor
Positive
Positive Very Positive
Financial Condition Compared to the Average Person (%)
Financial Condition Compared to the Average Person (Tracker)
5 - Much Better
4 - Better
3 - Same
2 - Worse
1 - Much Worse
5 - Much Better
4 - Better
3 - Same
2 - Worse
1 - Much Worse
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BESPOKE Market Intelligence
Credit Card Payments SEPTEMBER 2015
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6.3
17.2
45.9
17.8
6.7 6.0
0
5
10
15
20
25
30
35
40
45
50
Much less Less Same More Much more N/A
Credit Card Debt vs. One Year Ago (%)
5.2
6.8
88.0
82
84
86
88
90
92
94
0
2
4
6
8
10
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Date of Last Credit Card Payment: Consumers With Credit Cards (%)
1-3 months ago
4-6 months ago
Within the past month (Right Axis)
Balance Kept On Credit Cards (Tracker)
5 - $5k - $9k
4 - $2.5k - $5k
3 - $1k - $2.5k
2 - $1 - $1k
1 - $0
72.4
4.2
2.1
1.2
0.3
2.1
17.7
0 20 40 60 80
Within the past month
1-3 months ago
4-6 months ago
7-9 months ago
10-12 months ago
More than a year ago
I don't have any credit cards
Date of Last Credit Card Payment (%)
36.4
26.3
10.4
8.9
8.4
5.6
1.9
0.6
0.6
0.8
0 10 20 30 40
$0
$1-$999
$1,000-$2,499
$2,500-$4,999
$5,000-$9,999
$10,000-$19,999
$20,000-$29,999
$30,000-$39,999
$40,000-$49,999
$50,000+
Balance Kept On Credit Cards (%)
Credit Card Debt vs. One Year Ago (Tracker)
5 - Much More
4 - More
3 - Same
2 - Less
1 - Much Less
Proprietary Research / bespokeintel.com19
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Renting / Mortgage SEPTEMBER 2015
Return to Dashboard
1.6
10.2
36.7
51.5
0 10 20 30 40 50 60
Other
Living with parents, children,relatives, etc.
Rent
Own
Living Situation (%)
Sep Aug Jul
0.7
4.3
32.7
62.3
0 20 40 60 80
Military / Other
Multi-Family House
Apartment / Condo / Townhouse
Single Family House
Type of Residence (%)
Sep Aug Jul
Monthly Rent (Tracker)
5 - $4k - $5k
4 - $2k - $3k
3 - $1k - $2k
2 - $500 - $1k
1 - Under $499
16.3
51.4
27.7
3.3
0.5
0.7
0.2
0 10 20 30 40 50 60
Under $499
$500-$999
$1,000-$1,999
$2,000-$2,999
$3,000-$3,999
$4,000-$4,999
$5,000+
Monthly Rent (%)
28.7
6.4
26.8
25.7
7.2
1.9
0.9
0 5 10 15 20 25 30 35
I do not have amortgage
Under $499
$500-$999
$1,000-$1,999
$2,000-$2,999
$5,000+
I don't know
Monthly Mortgage Payment (%)
Monthly Mortgage Payment (Tracker)
5 - $4k - $5k
4 - $2k - $3k
3 - $1k - $2k
2 - $500 - $1k
1 - Under $499
20Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Mortgage Delinquencies SEPTEMBER 2015
Return to Dashboard
7.6
5.8
0
2
4
6
8
10
12
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Last Mortgage Payment Tracker (%)
2+ Months Ago
1 Month Ago5.8
6.8
5.7
4.2
6.3 6.5
4.2
6.05.3
6.8
7.5 7.5
5.9
8.4 7.8
0
1
2
3
4
5
6
7
8
9
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Refinanced Mortgage Within the Past Year (%)
86.6
7.6
1.3
0.9
0.7
0.2
0.2
2.5
0 20 40 60 80 100
Within the past month
1 month ago
2 months ago
3 months ago
4 months ago
5 months ago
6 months ago
>6 months ago
Last Time Made A Mortgage Payment(%)
39.5
7.8
4.2
9.6
9.6
4.9
5.1
9.9
4.3
5.2
0 10 20 30 40
Never
Past Year
1 year ago
2 years ago
3 years ago
4 years ago
5 years ago
6 - 12 years ago
12 or more
Not Applicable
Last Time Refinanced Mortgage (%)
21Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Recent Home Purchases SEPTEMBER 2015
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2.4
4.6
0
1
2
3
4
5
6
7
8
9
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Home Purchase Tracker (%)
Within the past three months
Within the past year
2.4
4.6
26.1
18.5
17.2
29.5
1.5
0 5 10 15 20 25 30 35
Within the pastthree months
Within the pastyear
1-5 years ago
6-10 years ago
11-15 years ago
16+ years ago
NA
Date of Home Purchase (%)
25.6 26.9
29.9
25.0
28.428.0
28.9
23.0
27.526.7
27.928.6
29.6
24.6
28.8
20
22
24
26
28
30
32
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Home New Construction At Purchase (%)
2.3
2.6
1.8
2.52.2
2.8
2.3
1.9
1.5
3.33.1
2.7
2.1
2.9 2.3
0
1
1
2
2
3
3
4
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Home Listed for Sale? (%)
5.95.7
5.0
6.4
7.3
5.9 5.8
6.5
7.97.7
8.1
6.9 7.0
7.7
7.2
4
5
5
6
6
7
7
8
8
9
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Likely or Very Likely to Purchase a Home in the Next Year (%)
22Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Future Home Purchases SEPTEMBER 2015
Return to Dashboard
1.4
2.11.9
1.6
3.02.7
1.7
1.3
2.1
3.03.3
2.3
2.5
2.4
2.7
0
1
1
2
2
3
3
4
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
All Respondents: Have You Applied For A Building Permit in the Past Month? (%)
56.1
24.9
11.9
4.1 3.1
0
10
20
30
40
50
60
Very Unlikely Unlikely SomewhatLikely
Likely Very Likely
Likelihood of Purchasing a House in the Next Year (%)
23Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Real Estate Sites / Apps SEPTEMBER 2015
Return to Dashboard
1.84.66.1
15.7
32.7
39.1
0
10
20
30
40
50
60
Jul
Au
g
Sep
Oct
Nov
Dec Jan
Feb
Mar
Apr
May Jun
Jul
Au
g
Sep
Favorite Website/App for Searching for Real Estate(%)
Redfin
Other
Trulia
Realtor.com
Zillow
N/A
29.5
2.7
4.9
22.5
3.3
5.2
0
5
10
15
20
25
30
35
Sept Oct Nov Dec Jan Feb Mar Apr MayJune July Aug Sep
Real Estate App Use (Rolling Three Month Percentages): Likely or Very Likely To Purchase A
Home
Realtor.com
Redfin
Trulia
Zillow
Other
Not Applicable
24Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Home Improvement SEPTEMBER 2015
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17.7
11.2
8.0
8.1
23.6
31.4
0 5 10 15 20 25 30 35
In the past month
In the past three months
In the past six months
In the past year
More than a year ago
Never started project
Last Time Starting Home Improvement Project (%)
17.7
11.2
0
4
8
12
16
20
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Last Time Starting A Home Improvement Project (%)
In the past month
In the past three months
73.5
26.5
20
22
24
26
28
30
32
34
62
64
66
68
70
72
74
76
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Do-It-Yourself vs. Hiring Someone (%)
Do-it-yourself
Hired someone (Right Axis)
44.1
33.2
20
25
30
35
40
45
50
55
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep
Plans to Start a Home Improvement Project in the Next Six Months (%)
Home Owners All Respondents
25Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Recent Auto Purchases SEPTEMBER 2015
Return to Dashboard
6.0
11.5
10.1
13.1
12.3
6.2
7.7
16.7
5.4
11.1
0 5 10 15 20
Within the past three months
Within the past year
1 year ago
2 years ago
3 years ago
4 years ago
5 years ago
6 - 12 years ago
12+ years ago
I do not own an automobile
When Did You Purchase Your Primary Automobile (%)
16.7
15.2
12.5
9.5
7.6
0
5
10
15
20
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Manufacturer Purchased/Leased - Majors (%)Toyota/Lexus OtherGM (Chevrolet, Buick, Cadillac) Ford/LincolnHonda Chrysler/Jeep/DodgeNissan/Infiniti
4.9
3.0
2.3
1.51.10.8
0
2
4
6
8
10
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Manufacturer Purchased/Leased - Minors (%)
Hyundai Subaru
BMW Volkswagen
Volvo Mercedes
Audi Tesla
5.2
5.6 5.75.5 5.6
5.4
4.1
4.9
5.7 5.65.3
5.8
6.6 6.7
6.0
3
4
5
6
7
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Purchased or Leased Primary Automobile in Past Three Months (%)
26Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Expected Auto Purchases SEPTEMBER 2015
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53.4
46.6
40
45
50
55
60
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Purchased Car During Past Three Months: Used vs New (%)
Used
New
9.9
14.7
75.4
66
68
70
72
74
76
78
80
0
5
10
15
20
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Plans to Purchase/Lease Vehicle in the Next Six Months (%)
Yes (Left Axis) Maybe (Left Axis) No (Right Axis)
49.9
32.6
17.5
0
10
20
30
40
50
60
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Plans to Purchase/Lease Vehicle in the Next Six Months (%)Used
NewI don't know
2.3
5.7
8.0
9.5
9.8
10.6
11.0
11.4
15.2
15.2
22.3
24.6
31.1
31.8
37.1
37.9
0 10 20 30 40 50 60
Tesla
Volvo
Mercedes
Volkswagen
Other
BMW
Audi
Subaru
Hyundai
I don't know
Nissan/Infiniti
Chrysler/Jeep/Dodge
Honda
Ford/Lincoln
GM (Chevrolet, Buick,…
Toyota/Lexus
Which Type of Automobile Most Likely To Lease/Purchase Next 6 Months? (%)
Sep
Aug
Jul
27Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Health Insurance Costs SEPTEMBER 2015
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3.27
3.33
3.41
3.20
3.25
3.30
3.35
3.40
3.45
3.50
3.55
Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Healthcare Costs vs Year Ago (%)
Overall Healthcare Costs CopayDeductible Premium
5 - Much Higher4 - Higher3 - Same
2 - Lower1 - Much Lower
3.0 4.2
45.8
33.1
7.96.1
0
5
10
15
20
25
30
35
40
45
50
Much lower Lower Same Higher Much higher N/A
Overall Healthcare Costs vs Year Ago (%)
2.0 3.3
55.7
22.5
7.3 9.2
0
10
20
30
40
50
60
Much lower Lower Same Higher Much higher N/A
Deductible vs Year Ago (%)
2.5 3.9
56.5
22.1
5.69.4
0
10
20
30
40
50
60
Much lower Lower Same Higher Much higher N/A
Copay vs Year Ago (%)
1.74.3
47.9
30.9
7.6 7.6
0
10
20
30
40
50
60
Much lower Lower Same Higher Much higher N/A
Premium vs Year Ago (%)
87.6
89.089.5
88.1
87.0
85.9
88.8
90.9
88.4
87.788.5 88.2
88.1
89.3
87.7
83
84
85
86
87
88
89
90
91
92
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Do You Have Health Insurance? (%)
2.6
3.2
8.0
9.1
15.2
49.5
44
46
48
50
52
54
56
58
0
2
4
6
8
10
12
14
16
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Type of Health Insurance (%)None of the above OtherMedicaid Self-Purchased / ExchangeMedicare Employer (Right Axis)
28Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Healthcare Utilization SEPTEMBER 2015
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8.1
9.9
9.6
6.3
5.1
50.6
10.3
0 10 20 30 40 50 60
Within the past month
1-3 months ago
4-6 months ago
7-9 months ago
10-12 months ago
More than a year ago
I have never visited a…
Last Hospital Visit (%)
8.1
9.9
4
5
6
7
8
9
10
11
12
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Last Hospital Visit (%)
Within the past month 1-3 months ago
22.3
23.7
20
21
22
23
24
25
26
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Last Doctor's Visit (%)
Within the past month 1-3 months ago
22.3
23.7
16.5
7.2
6.9
20.6
2.7
0 5 10 15 20 25
Within the past month
1-3 months ago
4-6 months ago
7-9 months ago
10-12 months ago
More than a year ago
Not Applicable
Last Doctor's Visit (%)
29Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Healthcare Procedures SEPTEMBER 2015
Return to Dashboard
22.1
26.2 26.124.4
26.424.7 24.8
27.2
24.8 25.627.5
24.7
0
5
10
15
20
25
30
Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Dental Visits (%)
0.6
1.41.1 1.1
0.9
1.21.1
1.4
0.7
1.41.2 1.3
3.9 3.9 3.8 3.6 3.53.3
4.4
3.5 3.53.2
4.2 4.2
0.5 0.3 0.2 0.3
0.7 0.6
0.2
0.7 0.7 0.70.4 0.3
0
1
2
3
4
5
Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Elective Surgery (%)Cosmetic or Plastic Surgery Orthopedic Visit or Surgery Lasik Surgery
73.0
68.268.9
70.6
68.5
70.269.6
67.2
70.3
69.1
66.7
69.4
63
64
65
66
67
68
69
70
71
72
73
74
Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
None of the Above (%)
31.8
23.6
23.4
12.311.9
11.5
0
5
10
15
20
25
30
35
40
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Purchased During Past Month - Majors (%)
Apple
Samsung
Other
Amazon
Sony
Microsoft
30Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Consumer Electronics SEPTEMBER 2015
Return to Dashboard
11.3
5.35.34.5
2.72.1
0
2
4
6
8
10
12
14
16
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Purchased During Past Month - Minors (%)
LG
Nintendo
HTC
Panasonic
Nokia
Blackberry
2.1
3.13.7
5.45.8
6.9
12.7
13.4
0
2
4
6
8
10
12
14
16
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Purchased During Past Month (%)
Stereo System
Desktop Computer
Printer
Gaming Console
Tablet
Laptop Computer
TV
Headphones
Smartphone
1.9
2.6
3.5
4.8
5.45.4
6.4
9.6
0
2
4
6
8
10
12
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Plans to Purchase Next Month (%)
Stereo System
Desktop Computer
Printer
Headphones
Gaming Console
Tablet
Laptop Computer
TV
Smartphone
31Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
New Apple Products SEPTEMBER 2015
Return to Dashboard
42.7
21.2
0
10
20
30
40
50
Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep
Have Purchased or Ordered iPhone 6 or 6 Plus (%)
Existing iPhone Owners All
75.2
24.8
0
10
20
30
40
50
60
70
80
90
Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep
Owns iPhone 6 or 6 Plus: Which Model (%)
iPhone 6 iPhone 6 Plus
25.3
17.2
0
5
10
15
20
25
30
35
Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep
Made Effort to Learn About Apple Watch (%)
Existing iPhone Owners All
3.9
2.9 2.8
0
1
1
2
2
3
3
4
4
5
July Aug Sep
iPhone Owners: Has Purchased / Ordered An Apple Watch (%)
6.5
2.6 2.4
1.9
3.2 3.1
0
1
2
3
4
5
6
7
July Aug Sep
iPhone Owners: Has Purchased / Ordered An Apple Watch (%)
Male
Female
2.51.7 1.7
3.3 3.1
4.6
6.0
4.8
2.3
10.0
4.7
2.4
0
2
4
6
8
10
12
July Aug Sep
iPhone Owners: Has Purchased / Ordered An Apple Watch (%)
$0 - $49,999$50,000 - $99,999$100,000 - $199,999$200,000 +
5.0
2.2
4.6
6.9
5.3
3.1
2.12.7
0.7
2.8
2.0 1.8
0.0
1.5
5.0
0
1
2
3
4
5
6
7
8
July Aug Sep
iPhone Owners: Has Purchased / Ordered An Apple Watch (%) 18 to 24
25 to 34
35 to 44
45 to 54
55 to 64
32Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Smartphone Ownership SEPTEMBER 2015
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75.3 74.9
77.6
79.4
82.3
80.2 80.1
81.8 81.2
83.284.8
85.9 86.0 85.684.7
68
70
72
74
76
78
80
82
84
86
88
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Do You Own A Smartphone (%)
24.4
53.0
0
10
20
30
40
50
60
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Smartphone Brand Ownership - Majors (%)
Samsung
Apple
3.1
9.4
0
2
4
6
8
10
12
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Smartphone Brand Ownership - Minors (%)
Blackberry
Amazon
Microsoft
Nokia
HTC
LG
3.1
8.0
12.9
22.5
8.6
32.8
12.3
0 5 10 15 20 25 30 35
iPhone 4 or Earlier
iPhone 4S
iPhone 5
iPhone 5S
iPhone 5C
iPhone 6
iPhone 6 Plus
Current iPhone Owners: What Model Do You Currently Own? (%)
43.3
55.3
66.374.4
0
10
20
30
40
50
60
70
80
$0 - $49,999 $50,000 - $99,999 $100,000 - $199,999 $200,000 +
Apple iPhone Ownership Income Breakdown(Rolling 3 Month Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
53.658.8
49.946.1
50.3
42.0
43.4
0
10
20
30
40
50
60
70
18 to 24 25 to 34 35 to 44 45 to 54 55 to 64 65 to 74 75 or older
Apple iPhone Ownership Age Breakdown(Rolling Three Month Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
47.4
55.3
30
35
40
45
50
55
60
Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep
iPhone Owners: Gender Breakdown (Rolling Three Month Percentage)
Male Female
33Proprietary Research / bespokeintel.com
The chart below shows the percentage of Apple owners who owned Apple previously and the percentage of Samsung owners who owned Samsung previously.
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Smartphone Retention Rates SEPTEMBER 2015
Return to Dashboard
0.7
0.9
2.3
3.9
4.9
6.3
9.3
9.6
23.3
38.7
0 5 10 15 20 25 30 35 40 45
Amazon
Microsoft
Nokia
Blackberry
HTC
Other (please specify
Regular Cell Phone
LG
Samsung
Apple
Which Smartphone Brand Did You Own Previously (%)
Sep Aug Jul
0.6
1.2
1.2
1.3
2.4
5.4
7.0
27.7
53.2
0 10 20 30 40 50 60
Blackberry
Amazon
Microsoft
Nokia
HTC
Other (please specify)
LG
Samsung
Apple
Which Smartphone Most Likely To Purchase (%)
Sep Aug Jul
0.3
0.4
0.6
0.7
0.9
0.9
1.0
3.7
91.4
0 10 20 30 40 50 60 70 80 90 100
Nokia
Blackberry
LG
Amazon
Microsoft
HTC
Other (please specify)
Samsung
Apple
Current iPhone Owners: Plan to Purchase (%)
Sep Aug July
0.3
0.3
0.3
1.0
1.3
2.2
4.2
6.4
84.0
0 20 40 60 80 100
Nokia
Amazon
Blackberry
Microsoft
HTC
LG
Other (please specify)
Apple
Samsung
Current Samsung Owners: Plan to Purchase (%)
Sep Aug July
0.6
1.0
1.5
2.5
4.3
4.3
7.5
9.6
66.2
0 20 40 60 80
Microsoft
Amazon
Nokia
HTC
LG
Blackberry
Regular Cell Phone
Samsung
Apple
Current iPhone Owners: Brand Owned Last (%)
Sep Aug July
0.0
1.0
2.6
3.2
6.7
7.1
8.3
9.0
54.5
0 10 20 30 40 50 60
Amazon
Microsoft
Blackberry
Nokia
HTC
Apple
Regular Cell Phone
LG
Samsung
Current Samsung Owners: Brand Owned Last (%)
Sep Aug July
90.7
57.0
40
50
60
70
80
90
100
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May June July Aug Sep
Retention Rates Over the Past Upgrade Cycle: Apple vs Samsung (%)
Apple Samsung
Owned Previously Will Buy Next
Most Recent Upgrade Cycle
34Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Streaming Services SEPTEMBER 2015
Return to Dashboard
59.6 61.6
47.140.4
30.526.4
14.2
0
10
20
30
40
50
60
70
18 to 24 25 to 34 35 to 44 45 to 54 55 to 64 65 to 74 75 or older
Netflix Subscribers Age Breakdown(Rolling 3 Month Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
41.6 39.9
30.4
19.816.2
10.44.2
0
10
20
30
40
50
18 to 24 25 to 34 35 to 44 45 to 54 55 to 64 65 to 74 75 or older
Pandora Subscribers Age Breakdown(Rolling 3 Month Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
1.72.1
3.3
12.613.0
23.1
28.2
33.9
44.5
0
10
20
30
40
50
60
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Do You Have An Account With Any Of The Following Streaming Services? (%)
Beats Music
Redbox Instant
iRadio
Spotify
Hulu
Amazon Prime
Pandora
None of theaboveNetflix
17.218.0
29.8
42.6
68.0
0
10
20
30
40
50
60
70
80
90
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Which Two Do You Use Most Often? (%)
Spotify
Hulu
Amazon Prime
Pandora
Netflix
35Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Social Media Accounts SEPTEMBER 2015
Return to DashboardNext: Engagement
29.0
31.6
75.4
15
25
35
45
55
65
75
85
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Social Media Sites: Has Account - Majors (%)
Facebook0.7
5.25.7
11.1
14.5
17.6
0
5
10
15
20
25
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Social Media Sites: Has Account - Minors (%)
Slingshot
Vine
Kik
None
Snapchat
0.5
1.7
2.6
3.6
6.7
8.5
14.3
15.8
18.5
19.8
23.5
80.8
0 10 20 30 40 50 60 70 80 90
Slingshot
Vine
Kik
Not Applicable
Snapchat
Other
Social Media Websites: Which Two Do You Use Most Often? (%)
Sep Aug Jul
82.9 83.476.3 73.9
67.3 64.5
52.4
0
10
20
30
40
50
60
70
80
90
18 to 24 25 to 34 35 to 44 45 to 54 55 to 64 65 to 74 75 or older
Facebook Accounts Age Breakdown(Rolling 3 Month Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
21.4
31.9 32.4 35.6 34.332.9
19.3
0
5
10
15
20
25
30
35
40
45
18 to 24 25 to 34 35 to 44 45 to 54 55 to 64 65 to 74 75 or older
LinkedIn Accounts Age Breakdown(Rolling 3 Month Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
47.6
41.3
33.628.8
18.8
12.69.9
0
10
20
30
40
50
60
18 to 24 25 to 34 35 to 44 45 to 54 55 to 64 65 to 74 75 or older
Twitter Accounts Age Breakdown(Rolling 3 Month Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
35Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Social Media Engagement SEPTEMBER 2015
Return to DashboardPrevious Page
67.3
17.5
4.7
2.7
2.9
4.8
69.9
17.1
4.1
2.8
4.5
1.6
0 20 40 60 80
Today
Within thepast week
Within thepast month
Within thepast year
More thana year ago
Never
Facebook Visits (%)
18-24 Years Old
All Respondents
24.6
11.5
6.7
5.2
3.6
48.4
47.2
14.6
6.5
6.1
3.7
22.0
0 20 40 60
Today
Within thepast week
Within thepast month
Within thepast year
More thana year ago
Never
Instagram Visits (%)
18-24 Years Old
All Respondents
9.4
14.4
12.3
8.7
8.6
46.5
9.3
8.5
10.2
6.5
7.3
58.1
0 20 40 60 80
Today
Within thepast week
Within thepast month
Within thepast year
More thana year ago
Never
LinkedIn Visits (%)
18-24 Years Old
All Respondents
13.0
15.5
12.3
11.4
6.8
41.0
21.5
15.4
9.8
12.2
6.1
35.0
0 10 20 30 40 50
Today
Within thepast week
Within thepast month
Within thepast year
More thana year ago
Never
Pinterest Visits (%)
18-24 Years Old
All Respondents
15.7
14.4
9.5
8.5
8.0
44.0
25.2
16.3
8.9
10.6
11.4
27.6
0 10 20 30 40 50
Today
Within thepast week
Within thepast month
Within thepast year
More thana year ago
Never
Twitter Visits (%)
18-24 Years Old
All Respondents
3.7
4.9
5.2
6.9
4.9
74.4
8.1
13.4
9.3
12.2
11.0
45.9
0 20 40 60 80
Today
Within thepast week
Within thepast month
Within thepast year
More thana year ago
Never
Vine Visits (%)
18-24 Years Old
All Respondents
14.2
7.2
3.6
4.6
3.8
66.6
41.9
14.6
5.7
7.7
4.9
25.2
0 20 40 60 80
Today
Within thepast week
Within thepast month
Within thepast year
More thana year ago
Never
Snapchat Visits (%)
18-24 Years Old
All Respondents
8.5
6.0
3.0
3.8
3.4
75.3
11.4
8.9
1.6
6.9
5.3
65.9
0 20 40 60 80
Today
Within thepast week
Within thepast month
Within thepast year
More thana year ago
Never
WhatsApp Visits (%)
18-24 Years Old
All Respondents
11.8
9.3
3.7
4.9
11.0
59.3
0 20 40 60 80 100
Today
Within the past week
Within the past month
Within the past year
More than a year ago
Never
Kik Visits (%)
18-24 Years Old
All Respondents
2.7
1.9
1.7
1.3
0.7
91.6
5.3
2.4
2.4
2.8
1.6
85.4
0 20 40 60 80 100
Today
Within the past week
Within the past month
Within the past year
More than a year ago
Never
Slingshot Visits (%)
18-24 Years Old
All Respondents
3.70
4.51
3.013.50
3.14
3.94
2.83
3.563.28 3.38
Most Recent Visit to Social Media Sites (Weighted Average)
Jul Aug Sep5 - Today
4 - Past Week
3 - Past Month
2 - Past Year
1 - Longer
36Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
E-Commerce SEPTEMBER 2015
Return to DashboardNext: ASPs
51.2
63.0 63.3 63.8
0
10
20
30
40
50
60
70
80
$0 - $49,999 $50,000 - $99,999 $100,000 - $199,999 $200,000 +
Purchased on Amazon in Past Month Income Breakdown (Rolling Three Month Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
19.922.1 21.0
26.0
0
5
10
15
20
25
30
$0 - $49,999 $50,000 - $99,999 $100,000 - $199,999 $200,000 +
Purchased on eBay in Past Month Income Breakdown (Rolling Three Month Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
10.7
20.021.8 18.1
0
5
10
15
20
25
30
$0 - $49,999 $50,000 - $99,999 $100,000 - $199,999 $200,000 +
Purchased on Groupon in Past Month Income Breakdown (Rolling Three Month Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
0.5
2.9
3.1
4.2
4.6
5.6
15.4
21.0
27.0
56.8
0 10 20 30 40 50 60 70
Liquidity Services
Zulily
Overstock
Not Applicable
Living Social
Etsy
Groupon
Ebay
None of the Above
Amazon
Have Purchased Items During Past Month (%)
Sep Aug Jul
36Proprietary Research / bespokeintel.com
We asked respondents if they purchased an item at each retailer during the past month and then asked them to enter in the amount they spent.
Please note that for retailers with less than ~30 visits, median spending results may not be statistically significant.
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
E-Commerce ASPs SEPTEMBER 2015
Return to DashboardPrevious Page
70
317
85
43
46
232
8
856
41
0 200 400 600 800 1000
Living Social
Ebay
Etsy
Zulily
Overstock
Groupon
Liquidity Services
Amazon
Wayfair
Online Retailers: Visits
Sep Aug Jul
25.00
30.00
27.50
50.00
70.00
32.00
100.00
45.00
90.00
0 20 40 60 80 100 120
Living Social
Ebay
Etsy
Zulily
Overstock
Groupon
Liquidity Services
Amazon
Wayfair
Online Retailers: Median Spend Per Visit ($)
Sep Aug Jul
37Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Drug Stores SEPTEMBER 2015
Return to DashboardNext: ASPs
32.5
34.6
12.3
1.4
0 5 10 15 20 25 30 35 40
CVS
Walgreens
Rite Aid
Duane Reade
Drug Stores: Purchased From Store In Past Month (%)
Sep Aug Jul
1.8
13.3
33.436.5
40.3
0
10
20
30
40
50
60
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Have Visited in the Past Month (%)
Duane Reade
Rite Aid
None of theabove
CVS
Walgreens
37Proprietary Research / bespokeintel.com
We asked respondents if they purchased an item at each retailer during the past month and then asked them to enter in the amount they spent.
Please note that for retailers with less than ~30 visits, median spending results may not be statistically significant.
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Drug Stores ASPs SEPTEMBER 2015
Return to DashboardPrevious Page
551
607
200
27
0 100 200 300 400 500 600 700
CVS
Walgreens
Rite Aid
Duane Reade
Drug Stores: Visits
Sep Aug Jul
20.00
20.00
20.00
20.00
0 5 10 15 20 25
CVS
Walgreens
Rite Aid
Duane Reade
Drug Stores: Median Spend Per Visit ($)
Sep
Aug
Jul
38Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Home Improvement Retailers SEPTEMBER 2015
Return to DashboardNext: ASPs
8.5
24.4
29.7
34.835.8
43.5
0
5
10
15
20
25
30
35
40
45
50
Jul
Au
g
Sep
Oct
Nov
Dec Jan
Feb
Mar
Apr
May Jun
Jul
Au
g
Sep
Shopped at Retailers for Home Improvement Items in Past Month (%)
Sears
Target
None
Walmart
Lowe's
Home Depot
28.130.1
21.7 21.7
26.0
0
5
10
15
20
25
30
35
Home Depot Lowe's Walmart Target Sears
Has Done a Home Improvement Project During Past Month - Visited Retailer During Past Month (3 Month
Rolling Percentages)
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
39Proprietary Research / bespokeintel.com
We asked respondents if they purchased an item at each retailer during the past month and then asked them to enter in the amount they spent.
Please note that for retailers with less than ~30 visits, median spending results may not be statistically significant.
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Home Improvement ASPs SEPTEMBER 2015
Return to DashboardPrevious Page
65.00
67.00
60.00
50.00
75.00
0 20 40 60 80 100
Home Depot
Lowe's
Walmart
Target
Sears
Home Improvement: Median Spend Per Visit ($)
Sep Aug Jul
551
607
200
27
504
0 100 200 300 400 500 600 700
Home Depot
Lowe's
Walmart
Target
Sears
Home Improvement: Visits
Sep Aug Jul
4.3
19.5
2.9
13.7
18.0
2.9
8.4
0 5 10 15 20 25
Dillard's
Macy's
Bloomingdales
JC Penney
Kohl's
Sak's Fifth Avenue
Nordstrom
Department Stores: Visited Website In Past Month (%)
Sep Aug Jul
2.15.6
8.1
18.922.323.5
52.4
0
10
20
30
40
50
60
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Have Visited in the Past Month (%)
Bloomingdales
Sak's FifthAvenueDillard's
Nordstrom
JC Penney
Macy's
Kohl's
None of theabove
4.7
17.6
1.0
19.4
21.0
0.94.5
59.4
6.9
26.8
3.2
24.4
29.7
2.49.1
42.2
8.5
29.9
3.6
18.5
31.8
3.0
12.2
41.5
6.8
29.4
5.1
18.122.0
4.0
18.6
42.4
0
10
20
30
40
50
60
70
Dillards Macy's Bloomingdales JC Penney Kohl's Sak's FifthAvenue
Nordstrom None of theAbove
Have Visited in the Past Month (Three Month Rolling %): Income Breakdown
>$50,000 $50,000-$99,9999 $100,000-$199,9999 >$200,000
39Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Department Stores SEPTEMBER 2015
Return to DashboardNext: ASPs
39Proprietary Research / bespokeintel.com
We asked respondents if they purchased an item at each retailer during the past month and then asked them to enter in the amount they spent.
Please note that for retailers with less than ~30 visits, median spending results may not be statistically significant.
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Department Stores ASPs SEPTEMBER 2015
Return to DashboardPrevious Page
85
336
31
285
355
36
122
0 100 200 300 400 500
Dillard's
Macy's
Bloomingdales
JC Penney
Kohl's
Sak's Fifth Avenue
Nordstrom
Department Stores: Visits
Sep Aug Jul
100.00
100.00
187.50
50.00
50.00
115.00
100.00
0 50 100 150 200
Dillard's
Macy's
Bloomingdales
JC Penney
Kohl's
Sak's Fifth Avenue
Nordstrom
Department Stores: Median Spend Per Visit ($)
Sep Aug Jul
40
BESPOKE Market Intelligence
Restaurants SEPTEMBER 2015
Return to Dashboard
-30 -20 -10 0 10 20
Taco Bell
Jack in the Box
Chipotle
Starbucks
Panera
Burger King
Wendy's
Sonic
Denny's
Pizza Hut
McDonald's
Dunkin' Donuts
KFC
Popeye's
Month/Month Change In Traffic (%)
15.119.821.7
24.9
43.8
0
10
20
30
40
50
60Have Visited in the Past Month - Major Restaurants
(%)Dunkin'Donuts
Burger King
Wendy's
Taco Bell
Starbucks
McDonald's
4.5
6.6
8.4
10.7
12.8
13.5
0
2
4
6
8
10
12
14
16
18
20Have Visited in the Past Month - Other Restaurants
(%) Denny's
Jack in theBoxPopeye's
Sonic
Pizza Hut
Panera
KFC
Chipotle4.65.2
10.611.612.012.2
14.414.7
17.617.7
20.722.5
25.828.6
46.8
0 10 20 30 40 50
Denny'sJack in the Box
Popeye'sChipotle
PaneraKFC
Dunkin' DonutsPizza Hut
SonicNone of the Above
Burger KingStarbucksWendy'sTaco Bell
McDonald's
Visits During Past Month (Three Month Rolling Percentages): South
3.24.2
7.77.98.3
9.511.8
13.315.9
17.818.4
20.024.9
37.540.9
0 5 10 15 20 25 30 35 40 45
Dunkin' DonutsPopeye'sDenny'sPanera
SonicPizza Hut
KFCWendy'sChipotle
Burger KingNone of the Above
Jack in the BoxTaco Bell
StarbucksMcDonald's
Visits During Past Month (Three Month Rolling Percentages): West
2.03.9
6.09.1
10.811.612.0
16.418.118.5
21.622.9
24.027.9
51.4
0 10 20 30 40 50 60
Jack in the BoxDenny's
Popeye'sSonic
Dunkin' DonutsKFC
Pizza HutChipotle
None of the AbovePanera
Wendy'sStarbucks
Burger KingTaco Bell
McDonald's
Visits During Past Month (Three Month Rolling Percentages): Midwest
0.42.83.4
6.08.48.4
11.712.9
15.918.2
19.922.322.3
36.638.5
0 5 10 15 20 25 30 35 40 45
Jack in the BoxSonic
Denny'sPopeye's
KFCPizza HutTaco BellChipotle
PaneraWendy's
Burger KingStarbucks
None of the AboveDunkin' Donuts
McDonald's
Visits During Past Month (Three Month Rolling Percentages): Northeast
5.57.6
8.38.7
10.4
12.2
12.3
12.4
12.419.8
20.621.2
23.8
26.6
47.7
4.3
7.1
6.516.2
16.0
12.2
16.4
11.1
10.129.6
17.1
21.0
18.024.4
42.2
0 10 20 30 40 50 60
Denny'sJack in the Box
Popeye'sPanera
ChipotlePizza Hut
Dunkin' DonutsKFC
SonicStarbucks
None of the AboveWendy's
Burger KingTaco Bell
McDonald's
Visits During Past Month (Three Month Rolling Percentages): Lower Income
$50,000 - $99,999$0 - $49,999
4.6
6.0
6.2
9.0
9.6
10.614.7
16.3
19.6
19.719.9
20.1
21.238.4
41.5
3.4
5.65.1
7.3
7.39.6
15.8
12.416.9
16.420.9
27.1
19.841.8
42.4
0 10 20 30 40 50
Denny'sJack in the Box
Popeye'sKFC
SonicPizza Hut
Burger KingNone of the Above
Dunkin' DonutsWendy'sTaco Bell
PaneraChipotle
StarbucksMcDonald's
Visits During Past Month (Three Month Rolling Percentages): Higher Income
$200,000 +
$100,000 - $199,999
41Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Dollar Stores / Big Box SEPTEMBER 2015
Return to DashboardNext: ASPs
4.1
13.3
17.119.4
26.2
40.7
60.0
0
10
20
30
40
50
60
70
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Have Visited in the Past Month (%)
Five Below
Family Dollar
None
Dollar General
Dollar Tree
Target
Walmart
35.4
23.4
66.4
17.5
30.4
12.24.4
0
10
20
30
40
50
60
70
80
Target DollarGeneral
Walmart FamilyDollar
Dollar Tree Five Below None of theAbove
Visits During the Past Month (Rolling Three Month Percentages): HHI < $50,000
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
50.5
15.4
60.1
10.6
23.419.2
0.30
10
20
30
40
50
60
70
80
Target DollarGeneral
Walmart FamilyDollar
Dollar Tree Five Below None of theAbove
Visits During the Past Month (Rolling Three Month Percentages): HHI $50,000-$99,999
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
55.9
10.4
52.8
6.3
28.6
15.6
5.7
0
10
20
30
40
50
60
70
Target DollarGeneral
Walmart FamilyDollar
Dollar Tree Five Below None of theAbove
Visits During the Past Month (Rolling Three Month Percentages): HHI $100,000-$199,999
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
55.4
5.6
40.7
2.8
24.4 21.6
9.6
0
10
20
30
40
50
60
70
Target DollarGeneral
Walmart FamilyDollar
Dollar Tree Five Below None ofthe Above
Visits During the Past Month (Rolling Three Month Percentages): HHI $200,000+
Sept Oct Nov Dec Feb Mar Apr July Aug Sep
95.00
50.00
15.00
60.00
17.00
11.00
0 20 40 60 80 100
Target
Dollar General
Walmart
Family Dollar
Dollar Tree
Five Below
Big Box: Median Spend Per Visit ($)
Sep Aug Jul
41Proprietary Research / bespokeintel.com
We asked respondents if they purchased an item at each retailer during the past month and then asked them to enter in the amount they spent.
Please note that for retailers with less than ~30 visits, median spending results may not be statistically significant.
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Dollar Stores / Big Box ASPs SEPTEMBER 2015
Return to DashboardPrevious Page
614
292
905
201
395
258
0 200 400 600 800 1000 1200
Target
Dollar General
Walmart
Family Dollar
Dollar Tree
Five Below
Big Box: Visits
Sep Aug Jul
42Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Airlines SEPTEMBER 2015
Return to Dashboard
1.21.9
2.2
4.55.0
6.2
6.8
0
2
4
6
8
10
12
Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Have Flown In Past Month (%)
Spirit
Jetblue
Other
United
Delta
American
Southwest
44Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Online Travel Agencies SEPTEMBER 2015
Return to Dashboard
53.8
4.9
5.2
7.8
9.4
19.0
0 10 20 30 40 50 60
Other / I don't know
Trivago
Orbitz
Kayak
Priceline
Expedia
If Booking A Trip Today, Which Website Would You Go to First? (%)
Sep Aug Jul
75.8
1.6
2.9
4.5
5.1
10.0
0 20 40 60 80 100
Other / NA
Trivago
Kayak
Orbitz
Priceline
Expedia
Booked a Flight in Past Three Months (%)
Sep Aug Jul
77.1
2.2
2.7
3.7
4.4
9.7
0 20 40 60 80 100
Other / NA
Kayak
Trivago
Orbitz
Priceline
Expedia
Booked Hotel In Past Three Months (%)
Sep Aug Jul
49Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Theme Parks SEPTEMBER 2015
Return to Dashboard
78.1
2.1
3.6
6.0
6.6
11.6
0 20 40 60 80 100
None of the above
Busch Gardens
Seaworld
Universal Studios
Six Flags
Disney world / Disneyland
Plans To Visit Theme Parks: Next Six Months (%)
Sep Aug Jul
45Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Investors Stock Market View SEPTEMBER 2015
Return to Dashboard
Jul
Aug Sep
Oct
Nov
De
c
Jan
Feb
Ma
r
Ap
r
Ma
y
Jun
Jul
Aug Sep
Current View of the Stock Market (Tracker)
5 - Very Positive
4 - Postitive
3 - Neutral
2 - Negative
1 - Very Negative
4.3
31.2
46.3
14.1
1.9 2.2
0
5
10
15
20
25
30
35
40
45
50
VeryNegative
Negative Neutral Positive VeryPositive
N/A
Current View of Stock Market (%)
35.8
42.0
38.6
40.5
37.6
42.0
39.2
39.6
38.8
40.742.0
38.9
40.6
44.1
45.1
30
32
34
36
38
40
42
44
46
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Follow Stock Market On A Regular Basis? (%)
7.1
11.210.7
9.0 8.7
11.1
9.8
7.7
9.8
11.4
12.7
11.0
11.3
9.89.5
6
7
8
9
10
11
12
13
14
15
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Do You Currently Have Any Investments In Gold (%)
46.1
46.2
50.851.9
48.5
49.0
45.5
47.6
45.2
43.1
41.540.5 40.8
39.838.5
38
40
42
44
46
48
50
52
54
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
Invests in Stocks, Bonds, Commodities, Real Estate, or Other Financial Products (%)
45Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Interest Rates and Risk SEPTEMBER 2015
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1.04.8
32.5
56.8
2.1 2.8
0
10
20
30
40
50
60
VeryNegative
Negative Neutral Positive VeryPositive
N/A
Expectations for Interest Rates One Year From Now (%)
Jul
Au
g
Sep
Oct
Nov
Dec Jan
Feb
Ma
r
Ap
r
Ma
y
Jun
Jul
Au
g
Sep
Expectations for Interest Rates One Year From Now (Tracker)
5 - Much Higher
4 - Higher
3 - Same
2 - Lower
1 - Much Lower
4.6
22.4
56.6
12.6
1.5 2.2
0
10
20
30
40
50
60
VeryNegative
Negative Neutral Positive VeryPositive
N/A
Risk Currently Willing to Take vs One Year Ago (%)
Jul
Au
g
Sep
Oct
Nov
De
c
Jan
Feb
Mar
Ap
r
Ma
y
Jun
Jul
Au
g
Sep
Risk Currently Willing to Take Compared to One Year Ago (Tracker)
5 - Much More
4 - More
3 - Same
2 - Less
1 - Much Less