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Consumer Analysis: All Analysis Jul 03, 2008Labor Market Deterioration Continued in June Employment losses are broad-based, the unemployment rate remained elavated, and real income declined. Jul 02, 2008 Disaster for Vehicle Sales in June Consumers and auto dealers turn away from gas guzzlers in droves. Jun 27, 2008 Inflation Edges Up as Energy Prices Increase Inflation picked up slightly in May, thanks mainly to higher fuel costs. Jun 25, 2008 House Prices, Wealth and Spending Pin-pointing capital losses on housing assets depends on the price measure. Jun 18, 2008 Mortgage Equity Withdrawal Tumbles The full impact of falling MEW is waiting in the wings. Jun 16, 2008 Tax Rebates: Spending, but Not Happy About It? Retail data suggest rebates are being spent. Jun 13, 2008 Are Consumers Better Off Than Last Year?…Probably Not Real wages are falling across nearly every industry. Jun 04, 2008 Truck Sales Downshift Again Vehicle sales suffer as consumer preferences go through a sea change. May 13, 2008 Healthy Gain in April Retail Sales Excluding Autos Sales still dominated by food and energy prices. May 09, 2008 Brief Downturn and Rapid Jobs Recovery Fewer jobs created in expansion; fewer will be lost in recession. May 08, 2008 Demand for Consumer Credit Increases Consumers utilize both revolving and non-revolving credit. May 05, 2008 Banks Put the Squeeze on Lending Reduction in the availability of credit poses a challenge to spending. May 05, 2008 Cash-Out Refinancing Slams on the Brakes Share taking larger loan amount hits multiyear low. May 02, 2008 A Kinder, Gentler Recession This labor market downturn will be brief and comparatively painless. Apr 04, 2008 Convincing Evidence of Recession in March Jobs Report Labor market contraction has become a self-reinforcing trend. Apr 03, 2008 ABA Delinquency Rates Verify Weakening Credit Quality As stress on households intensifies. Mar 28, 2008 The Wait Is Over: Inflation Is Finally Coming Down Core prices showed weaker growth in February. Mar 25, 2008 ICSC, Redbook Sales Week Ending March 22 Weakest year-over-year growth in nearly five years by one measure. Mar 14, 2008 Stepping Out of the Labor Force Declining labor force participation reflects poor employment prospects. Mar 12, 2008 Financial Obligations Remain High Even though growth in debt payments is at a nearly 14-year low. Mar 07, 2008 The Recession Is Here Job losses in two consecutive months more than likely signal recession. Mar 06, 2008 Record High Energy Prices Exacerbate Consumer Woes Consumers scale back energy consumption. Feb 29, 2008 Inflation Weighs on Consumers Despite the current economic downturn, inflation for consumer goods and services remains stubbornly high. Feb 26, 2008 ICSC, Redbook Sales Week Ending February 23 Minor improvement in sales growth by one measure. Feb 20, 2008 ICSC, Redbook Sales Week Ending February 16 Energy prices and recession fears weigh on sales. Feb 15, 2008 E-commerce Sales Growth Rebounds in the Fourth Quarter Year-ago growth slows as headwinds strengthen. Feb 14, 2008 Home Cash-Outs: The ATM Is Closed The relationship between refi activity and cash-out volumes weakens. Feb 12, 2008 Mortgage Help Intensifies Policymakers step up efforts to help bail out mortgage borrowers. Feb 07, 2008 The Labor Market in Recession The recession outlook now calls for job declines through the first half of 2008. Feb 05, 2008 ICSC, Redbook Sales Week Ending February 2 Year-over-year growth below 2% for fifth consecutive week. Feb 04, 2008 Vehicle Sales Hit the Skids in January Weakening labor market weighs on consumer spending power. Feb 01, 2008 January Employment Report Tips the Scale for Recession January employment report confirms contraction in U.S. economy. Jan 31, 2008 Inflation Pushes the Limits But underlying fundamentals don't support further acceleration. Jan 30, 2008 Consumers Star Once Again Despite modest growth, real spending leads in the third quarter. Jan 29, 2008 Confidence Stabilizing? Conference Board index reversed December gains, but falls no further. Jan 18, 2008 One Step Closer to a Fiscal Stimulus Package President Bush calls for "rapid" tax relief. Jan 16, 2008 Inflationary Trends Remain Under Control Lower energy prices were some relief this month. Jan 15, 2008 ICSC, Redbook Sales Week Ending January 12 Weakest year-over-year growth since July 2003 by one measure. Jan 14, 2008 Job Seekers Need Not Despair in 2008 The economy will create plenty of jobs in 2008, even if it sinks into recession. Jan 04, 2008 Job Market Ends 2007 on a Sour Note The job market is now following suit with the rest of the economy. Jan 04, 2008 Vehicle Sales Improve Slightly as 2007 Ends But automakers cannot put a good spin on a bad situation. Jan 02, 2008 ICSC, Redbook Sales Week Ending December 29 Strong last-minute shopping puts a floor under sales. Dec 26, 2007 Consumers in 2008: Not a Pretty Picture Lower credit quality, spending and wealth growth. Dec 07, 2007 A Near-Perfect Jobs Report Spending growth hinges on the job market...and so far, so good. Dec 04, 2007 High-Income Households Drive Aggregate Spending Half of households account for 72% of spending. Nov 30, 2007 Underlying Inflation Continues to Hold Steady But energy prices accelerated again in October. Nov 28, 2007 More Evidence of Eroding Mortgage Credit Quality Fed data confirm household finances are stretched. Nov 20, 2007 ICSC, Redbook Sales Week Ending November 17 Retailers cross fingers as holiday shopping season approaches. Nov 15, 2007 Energy Takes Up a Larger Chunk of Spending No relief in sight as oil prices remain elevated. Nov 13, 2007 ICSC, Redbook Sales Week Ending November 10 Retailers crossing fingers as holiday season quickly approaches. Nov 09, 2007 Waiting for the Bottom to Drop Out of the Job Market The job market is much weaker than it looks. Nov 07, 2007 Consumer Credit Growth Hits a Speed Bump Weak demand for autos weighs on nonrevolving credit. Nov 05, 2007 Banks Tighten the Vise on Lending It's no longer a subprime story; prime borrowers pinched as well. Nov 02, 2007 October's Employment Situation: Too Good to Last The rebound in payroll growth hides worrying trends. Oct 31, 2007 Wage Growth Holds Up, for Now Developing slack in the labor market points to slower wage growth. Oct 05, 2007 No Slowing Down Demand for Consumer Credit Rebound in vehicle sales bolsters demand for nonrevolving. Oct 05, 2007 Only Moderate Job Growth Despite the rebound, there is ample evidence that the labor market is moderating. Oct 02, 2007 ICSC, Redbook Sales Week Ending September 29 Sales growth stalls following two weeks of hefty declines. Sep 26, 2007 Credit Problems Remain Isolated to Mortgages Slower hiring will lead to a deterioration in other segments. Sep 17, 2007 Equity Markets Supported Wealth in the Second Quarter Continued borrowing undercut housing wealth. Sep 17, 2007 The Effects of an Aging Population on Income and Spending Changing demographics will weigh on median income growth more than spending. Sep 14, 2007 More Job Declines? Further erosion in business and consumer confidence could send the economy into recession. Sep 11, 2007 Income Is Increasing...for Now Good news in the Census Bureau's recent income report may be overshadowed by current data. Sep 10, 2007 Consumers Turn to Credit Cards in July Installment credit continues to advance, led by revolving credit. Sep 07, 2007 Housing and Credit Woes Cast a Pall Over Labor Market Though August data overstate the weakness. Sep 06, 2007 Chain Store Sales Show No Financial Market Contagion Though August sales growth is modest. Sep 05, 2007 ICSC, Redbook Sales Week Ending September 1 Another week, another batch of soft sales reports. Aug 31, 2007 No Break from Moderate Spending Trend Spending growth is unlikely to accelerate over the near term. Aug 31, 2007 PCE Inflation Continues to Moderate Slower growth in energy prices helps lower the topline index. Aug 31, 2007 Confidence Crushed by Financial Turmoil But indices remain divergent and decline may have ended. Aug 30, 2007 Snapshot of Regional House-Price Trends Industrial Midwest, previously hot housing markets among weakest. Aug 28, 2007 Fed Data Suggest Mortgage Woes Are Contained Tight labor markets keep credit card delinquencies in check. Aug 28, 2007 2006 Household Income Highlights Real median household income up for second straight year. Aug 28, 2007 Confidence Drop in August Confirmed by Conference Board Confidence drops to one-year low. Aug 24, 2007 401(k) Plans Record Solid Growth in 2006 Average account increases for fourth consecutive year. Aug 22, 2007 Investor Jitters Slam Consumer Confidence Sentiment falls to lowest level since Hurricane Katrina. Aug 15, 2007 Inflationary Pressures Continue to Moderate Tame energy prices keep a lid on topline inflation in July. Aug 10, 2007 Downhill from Here for Jobs Preponderance of indicators points to weaker employment trends. Aug 08, 2007 Installment Credit Rises Modestly Weak auto sales will crimp demand for nonrevolving credit. Aug 01, 2007 Rise in July Confidence Confirms Lack of Trend Job and income growth offsets many weights. Jul 31, 2007 Income Growth Remains Moderate in June Revisions lift wages, personal income, and saving. Jul 31, 2007 ICSC, Redbook Sales Week Ending July 28 Sales improve as back-to-school shoppers hit the stores. Jul 06, 2007 Another Solid Employment Report in June The housing market has dampened job creation much less than expected. Jul 05, 2007 Vehicle Sales Take a Turn for the Worse Domestic vehicles and light trucks were especially hard hit. Jul 02, 2007 New Rules with Small Impacts Neither new lending nor pricing rules will have major effects. Jun 29, 2007 A Decent but Not Spectacular Spending Report Second quarter U.S. consumption growth tracking below 2%. Jun 15, 2007 Core Inflationary Trends Moderate Even though energy prices are a constant source of volatility. Jun 01, 2007 Where Are the Construction Job Losses? The payroll survey is likely not fully capturing housing's downturn. May 31, 2007 Mutual Funds Garner Growing Share of Household Wealth Comprehensive ICI report focuses 2006 investment industry trends. May 31, 2007 No Spring in Spring for Housing Housing activity remains muted at the height of the selling season. May 21, 2007 Mortgage Credit Quality in Trouble Payment resets will ensure things will get worse before they improve. May 16, 2007 Slower Growth in Internet Sales But the sales continue to gain ground on brick-and-mortar stores. May 14, 2007 Subprime Woes Force Banks to Tighten Lending Standards May extend downturn in housing market. May 08, 2007 Installment Credit Growth Bounces Back in March Rising gas prices and strong retail sales lift revolving credit. May 03, 2007 Apparel Inflation Returns The result of shifting cyclical, structural, and political factors. May 01, 2007 More Evidence That Housing Has Yet to Hit Bottom Rising homeowner vacancy rate bodes ill for wealth accumulation. Apr 27, 2007 Wage Growth Accelerates as Labor Markets Tighten For now, wage growth helps ease the pain from rising energy prices. Apr 24, 2007 Home Equity Extraction Boosted Personal Spending According to analysis by Greenspan and Kennedy. Apr 18, 2007 Corn for Ethanol: Modest Impact on Food Prices Corn prices slightly noticeable at retail level. Apr 16, 2007 The Labor Market's Demographic Headwinds Steady job growth has failed to raise the labor force participation rate appreciably. Apr 09, 2007 Installment Credit Growth Slows Demand will accelerate, particularly for revolving credit. Apr 06, 2007 What Jobs Slowdown? Trend job growth is still around 150,00 per month and the job market is tighter than ever. Apr 03, 2007 Why Has the Saving Rate Declined? The decline has been broad-based across population groups. Mar 21, 2007 Bad Loans Heighten Risks for Consumers The troubles in the subprime market will weaken consumer spending, but only slightly. Mar 20, 2007 ICSC, Redbook Sales Week Ending March 17 Sales improve but gas prices are back on consumers' radar. Mar 19, 2007 Downshift in Hiring Activity Businesses are turning more cautious about staffing expansions. Mar 01, 2007 Core Price Growth Picks Up in January Overall index lower due to volatility in energy prices. Feb 27, 2007 Fed Data Confirm Erosion in Mortgage Credit Quality Credit quality will be tested this year. Feb 21, 2007 ICSC, Redbook Sales Week Ending February 17 Sales growth posts second consecutive decline. Feb 13, 2007 ICSC, Redbook Sales Week Ending February 10 Sales are inconsistent, typical for this time of year. Feb 12, 2007 |
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