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Consumer Sector
Research
 
 
CONSUMER MONITOR 2024
 
September   IS IT TOO LATE?
August  

WHO IS “THE CONSUMER”? 

July   WHAT MAKES A SOFT LANDING TURN HARD?
June  

IT’S HARD TO LEAD WITH LAGGING INDICATORS!

May   SHOULD WE WORRY?
April   WHEN SO LITTLE SEEMS LIKE TOO MUCH
March   FROM SHORTAGES TO EXCESSES? WHAT WE WORRY ABOUT TODAY
February  

UNABLE OR UNWILLING

January  

WHAT HAS BEEN - WHAT WILL BE

  2023
 
December  

A LOOK BACK BEFORE WE STEP AHEAD

November  

HEADS DOWN, TAILS UP

October   PAYING THE BILLS
September  

READ THIS TO UNDERSTAND THE CONSUMER TODAY

August   SLOW BUT GROW
July  

A RECESSION FOR SOME - A RECOVERY FOR OTHERS

June   PAYING THE BILLS
May  

WHO'S IN CHARGE?

April  

THE CRYSTAL BALL IS GETTING LESS CLOUDY

March  

ON THE PRECIPICE

February   ALL THAT MATTERS
January   WHO, WHAT AND WHEN? - THE CONSUMER 2023 PUZZLE
  2022
 
December  

FORECASTING HISTORY 

November   THE END IS NEAR
October  

DEMOGRAPHIC DESTINY

September  

THE CONSUMER KNOWS BEST

August  

NEITHER WILLING NOR READY, BUT ARE THEY ABLE?

July  

ALMOST OVER, OR YET TO BEGIN?THE POST-COVID 2022 RECESSION

June   THEY CAN ALWAYS CHANGE THEIR MINDS
May   THE ONLY REMAINING EXCESS
May     
April   THEN AND NOW
March   TRANSITIONING TO A SHORTAGE 0F DEMAND
February   TRYING TO SEE THROUGH THE MESSY DATA
January  

WHAT THE REAL WORLD LOOKS LIKE

  2021
 
December  

SOME CERTAINTIES FOR 2022

November   SHORTAGES?  WHAT'S "REAL"?
October  

WILL THE CONSUMER JUST SAY "NO"?

September  

SEARCHING FOR THE "NEW NORMAL"

August   HANDOUT & FORECAST TABLE
August  

A LOOK TO THE FUTURE FORECAST CHART BOOK

July   BEEN THERE AND DONE THAT
June  

PANDEMIC, YES.  RECESSION?  MAYBE.

May   ONLY AS MUCH INFLATION AS THE CONSUMER CAN AFFORD?
April  

FORECASTING IN THE FOG

March   INFLATION THROUGH THE EYES OF THE CONSUMER
February   BEFORE & AFTER
January   MORE MONEY
  2020
 
December   SIX FEET APART
November   HERE WE GO AGAIN?
October   COMPLETE CONFUSION
September  

WHO WE ARE WILL DETERMINE WHAT WILL BE

August   AND THE WINNER IS...
July   MORE RECOVERY QUESTIONS
June   WHEN AND WHERE:  THE BACK TO WORK OUTLOOK
May   WHEN 2+2=5?
April   FURLOUGHED OR FIRED?
March   A VERY CLOUDY FUTURE
February   GIMME CREDIT
January   GREAT EXPECTATIONS
  2019
 
December  

THE BOY WHO CRIED WOLF

November   BETTER OFF THAN A YEAR AGO?
October   NOT A GOOD TIME TO BE DATA DEPENDENT
September   DEMOGRAPHIC CYCLICALITY
August   INTO THE FALL
July  
OUTLOOK 2019-2021
THE GROWTH CHALLENGE
June   HAPPY TENTH BIRTHDAY!
May   NOT ENOUGH CONSUMERS
April   TOO SLOW TO GO?
March   WILL WE RECOVER AGAIN?
February   NOT A GREAT WAY TO START A YEAR
January   EVERYONE IS READY BUT FOR WHAT?
  2018
 
December   WHAT HAPPENS NOW?
November   BEFORE IT'S TOO LATE
October   HEADS OR TAILS?
September   NOT IF, BUT WHEN
August  
IS THE CONSUMER GLASS HALF FULL OR HALF EMPTY?  The Economic Outlook, Part 2
July   WHILE WE WAIT...
June   A LOOK AT JOB GROWTH AS A SUM OF THE PARTS
May   WHAT HAPPENS WHEN...
April   WILL SPRING COME FOR THE CONSUMER THIS YEAR?
March   WHAT'S REALLY GOING ON WITH THE CONSUMER
February   FOR BETTER OR FOR WORSE?
January   EVERYONE GETS A RAISE
  2017
 
December   A TAX REFORM POSITIVE
November   WEALTHY AND WISE
October   RECOVERY CENTENNIAL
September   BLAME IT ON ?
August   PROBABLE PATHS
July  

NO ONE CAN FORECAST A RECESSION

June   FUNDAMENTAL FLAWS
May   PLAYING IT SAFE
April   PEAKS AND LAGS - THE HARD AND SOFT DATA
March   WATCHES AND WORRIES
February   QUESTIONS WITH NO ANSWERS
January   WILL THE NEW YEAR REMAIN HAPPY?
  2016
 
December   Holiday Spirits
November   HOLIDAY SPIRITS
October   ARE THEY BACK?
September   FACT OR FICTION?
August   TRANSITION TIME
July  
THE NEW EMPLOYMENT PARADIGM
June   DON'T LOOK BACK
May   SHATTERING THE MYTHS
April   THE CONSUMER KNOWS BEST
March   WEATHER OR NOT?
February   FROM HERE TO TOMORROW
January   IS IT OVER YET?
  2015
 
December   SOMETHING NEW TO WORRY ABOUT
November   GOOD NOT GREAT
October   PERHAPS A PAUSE
September  

CURING OR CREATING AN ECONOMIC HANGOVER?

August   BENEATH THE SURFACE
July   FORECAST TIME - MORE OF THE SAME
June   WHICH WAY NOW?
May   FINANCIALLY SOUND
April   WHO'S IN CHARGE?
March   READY, WILLING & ABLE?
February   AN INTUITIVE VIEW
January   A GLASS HALF EMPTY OR HALF FULL?
  2014
 
November  

READY & ABLE, BUT UNWILLING

October   WHAT'S WRONG WITH THE WORLD TODAY
September   A LITTLE CAUTION
August  

A MORE SUSCEPTIBLE ECONOMY - A LOOK TO 2015-2016

July   GENERATIONAL GDP
June   THE GRAYING OF CONSUMPTION
May   THE PAUSE, AND THEN
April   AFTER THE THAW
April  
April  
March   OUR 2014 WISH LIST
February   Handout
February   WHAT DO YOU DO WITH AN OLD RECOVERY
January   YOU CAN'T GO BACK
  2013
 
December   OUT WITH THE OLD - IN WITH THE NEW, OR MORE OF THE SAME?
November   ALL YOU NEED TO KNOW
October   FIGHTING THE FALL
September   THE CONSUMER HAS RECOVERED - NOW WHAT?
August   50 MONTHS AND COUNTING
July   THE OUTLOOK FOR EMPLOYMENT
June   TIME TO WORRY?
May   THE CONSUMER AND THE ACA - A NEW NECESSITY
April   WEALTH - PAST, PRESENT AND FUTURE
March   SEARCHING FOR NORMAL
February   CAN $200 BILLION DO IN THE CONSUMER?
January   IN THE EYES OF THE BEHOLDER
  2012
 
December   FOLLOW THE MONEY
November   CLIMB OVER THE HILL OR FALL OFF THE CLIFF?
October   AFTER THE ELECTION, WHAT NEXT?
September   IT'S ALL ABOUT BORROWING
August   WHAT A DIFFERENCE A DECADE MAKES
July   WORLD GROWTH TRAVEL TRACKER & UPDATED CENSUS WORLD POPULATION PROJECTIONS
June   CONSUMER WEALTH AND FINANCES
May   CLARITY EMERGING
April   MODELERS ADRIFT
March   THE PRECIPICE OF CHANGE
February   FEINT CYCLE
January   AS GOOD AS IT GETS?
  2011
 
December   A HAPPY NEW YEAR?
November   THE SEASON TO SPEND
October   THE EFFECTS OF AGE
September   WHY IS THE CONSUMER SO SAD?
August   WHAT MOST PEOPLE DON'T KNOW ABOUT THE CONSUMER TODAY - THE FORECAST & STRATEGIC THOUGHTS
July   EMPLOYMENT BUBBLES BURSTING:  THE OUTLOOK THROUGH 2013
June   GETTING OLDER ONE YEAR AT A TIME
May   EARLY BOOMERS IMPACT ON THE FUTURE
April   A WEALTHY BUT SLOWER GROWING ECONOMY - TIME TO RETHINK POTENTIAL ECONOMIC GROWTH ESTIMATES
March   FACTS AND FICTION
February   THE AGE OF DISCRETION
January   A LOOK BACK AS WE ANTICIPATE WHAT'S AHEAD
  2010
 
December   NO GRINCH THIS YEAR BUT... "Oh tell me I may sponge away the writing on this stone!"
November   SEPARATING THE CYCLE FROM THE TREND
October   A CHANGED CONSUMER TABLEAU
September   THE DEMOGRAPHICS OF INVESTING AND SPENDING
August   A GLASS HALF FULL! A LOOK AT TODAY AND TOMORROW
June   NEITHER BORROWERS NOR LENDERS
May   BEYOND THE REBOUND - HOUSING'S PERFECT STORM
April   WHAT A DIFFERENCE A YEAR MAKES
March   DATA CONSPIRACY
February   GOLDILOCKS AND THE 2010-11 ECONOMY
January   OLD AND IN DEBT
  2009
 
December   CONSUMER MYTHS
November   WHAT WEAK RECOVERY?
October   THE CONSUMER SPENDS
September   Inescapable Truths
August   ARE YOU A FUTURIST OR A FORECASTER?
July   THE WORLD AS WE KNOW IT

June   ECONOMY, RECONSIDERED
May   WILL SAVING SINK THE ECONOMY?
April   WHATS GOOD, WHATS BAD, WHATS NEW
March   A RECOVERY - ONE STEP AT A TIME - The 2009-2010 Outlook
February   DIMINISHED WEALTH - Findings from the 2007 Survey of Consumer Finances & Implications for Today
January   ON A WHIM AND A PRAYER
  2008
 
December   LOOKING FOR THE TROUGH
November   The Current Consumer Crisis
October   CAUSE AND EFFECT
September   TIME TO RAISE YOUR FORECAST?
August   SEARCHING FOR AND FINDING SOME POSITIVES
July   FROM PEAK TO TROUGH
June   WHAT HAS TO HAPPEN
May   THE SHAPE OF THINGS TO COME
April   EMPLOYMENT OUTLOOK & SUBPRIME LOANS - PROBLEMS OF THE FEW SPELL TROUBLE FOR EVERYONE
March   TAXES RAISE THE FLOOR -- WEALTH LOWERS THE CEILING
February   FORECAST TABLE
February   DAMNED IF YOU DO AND DAMNED IF YOU DON'T!
January   THE "REAL TIME" ECONOMY
  2007
 
December   WHAT THE CONSUMER SAYS
November   WHAT KIND OF RECOVERY?
October   WHAT'S BEHIND & WHAT'S AHEAD
September   THE ONLY WAY OUT!? FORECLOSURE NOT BANKRUPTCY
August   IT'S STILL ALL ABOUT WEALTH!? WHAT'S AHEAD
July   WHEN THE FUTURE IS TODAY
June   WHAT IF?
May   MORE THAN A HOME!
April   SEEING THE TREES THROUGH THE FOREST
March   CONSUMER CRISIS!
February   (MIS)UNDERSTANDING THE ECONOMY
January   A SLOWER 2006 - NOW WHAT FOR 2007?
  2006
 
December   THE BABY BOOM & THEIR PARENTS
November   LOOKING FORWARD, NOT BACKWARD!
October   ENERGY, HOUSING & HOLIDAY!
September   CREDIT COMES DUE
August   SOFT OR HARD LANDING AHEAD?
July   WHO'S BOTHERED, WHY, AND WHAT IT MEANS
June   THE 2007 OUTLOOK
May   NEWTON'S LAW
April   PIECES OF THE CONSUMER PUZZLE
March   WEAKENING CONSUMER FINANCES - A FIRST PREVIEW OF THE FRB 2004 SURVEY OF CONSUMER FINANCES
February   SHORT TERM ILLUSIONS VS THE TRENDS
January   NEW YEAR THEMES
  2005
 
December   ...AND A QUESTIONABLE NEW YEAR!
November   THE DEMOGRAPHICS OF CONSUMER DEMAND
October   ACCUMULATING CONSUMER WOES
September   THE CONSUMER BEFORE & AFTER KATRINA
August   WEIGHING THE PROS AND CONS
July   THE RECOVERY - 43 MONTHS AND COUNTING
June   IS HOUSING THE KEY TO THE ECONOMIC OUTLOOK?
May   AN OLD WORLD!
April   HIGHER INTEREST RATES AND THE CONSUMER
March   IT'S ALL ABOUT WEALTH
February   CAN THE CONSUMER DO IT AGAIN IN 2005?
January   WHEN THE CONSUMER DOESN'T CYCLE
  2004
 
December   A WORLD OF DEMOGRAPHICS
November   POSITIVES ABOUND, NEGATIVES EVOLVE
October   ENERGY, THE FOURTH QUARTER AND THE CONSUMER
September   WEATHER OR NOT, THE CONSUMER WILL SPEND!
August   FALTERING RECOVERY OR JUST DOUBTFUL DATA?
July   WHAT MATTERS MOST?
June   HURDLES
May   THE OUTLOOK: A GOOD OR GREAT 2005?
April   THE CONSUMER CAN AFFORD HIGHER INTEREST RATES
March   IS THE CONSUMER PRICE INDEX THE COST OF LIVING?
February   LET THE PARTY CONTINUE!
January   IS THE GLASS HALF EMPTY OR HALF FULL?
  2003
 
December   AND A HAPPY NEW YEAR!
November   LOOK WHO'S WORKING NOW!
October   WHY IT WILL BE A MERRY 4Q FOR THE CONSUMER
September   DECADE OF THE CONSUMER
August   HOW DEMOGRAPHICS SAVED THE CONSUMER
July   RECOVERY REWARDS & RISKS: THE 2003-2004 FORECAST
June   TAXES & THE DEMOGRAPHICS OF DEFLATION
May   IS INFLATION THE COST OF LIVING?
April   CONSUMER WEALTH & FINANCES BY AGE & INCOME
March   SURVIVING WAR & WEATHER
February   FIT, TRIM AND READY TO GROW: CONSUMERS ARE IN BETTER SHAPE THAN YOU THINK
January   RELATIVELY OPTIMISTIC
  2002
 
December   A YEAR OF LITTLE PROGRESS!
November   CHALLENGING THE CONSENSUS
October   TO SPEND OR NOT TO SPEND? HOLIDAY 2002 BEGINS!
September   NO BUBBLE - JUST AFFORDABLE
August   THE CONSUMER SURVIVE AND THE ECONOMY FAIL?
July   MID-YEAR REVIEW & OUTLOOK
June   FORECAST: THE CONSUMER AND THE 2002-2003 ECONOMIC RECOVERY
May   UNDERESTIMATING CONSUMER FINANCES
April   UNDERESTIMATING THE CONSUMER
March   WHAT KIND OF RECOVERY?
February   STOP LOOKING IN THE REAR VIEW MIRROR
January   THE MISUNDERSTOOD CONSUMER
  2001
 
December   HOW DO WE KEEP THE CONSUMER SPENDING?
November   THE CONSUMER & THE ECONOMY - A CHARTBOOK
October   THE CONSUMER AFTER SEPTEMBER 11
September   ANXIOUS & UNCERTAIN: THE CONSUMER & THE WAR ON TERRORISM
August   DISAPPEARING EXCESSES
July   WHAT WILL THE CONSUMER DO?
June   THE 2001-2002 FORECAST
May   THE DEMOGRAPHICS OF CONSUMER FINANCES
April   INTO THE MAKE OR BREAK QUARTER!
March   THE BIGGEST NET WORTH DECLINE EVER RECORDED: WILL THE SECOND HALF REBOUND BE GOOD ENOUGH?
February   WHERE TO HIDE IF A RECESSION ARRIVES
January   WHAT COULD GO WRONG WITH OUT FORECAST?
  2000
 
December   HOW MUCH SLOWING IS TOO MUCH?
November   NOT ENOUGH WORKERS, OR NOT ENOUGH JOBS?
October   HOW IMPORTANT ARE REALIZED CAPITAL GAINS?
September   A SOFT LANDING MIGHT 'FEEL' PRETTY HARD!
August   NOT ALL BAD, BUT NOT ALL GOOD!
July   NOT THE REAL SLOWING-YET
June   THE 2001 ECONOMIC FORECAST: A CHALLENGED CONSUMER
May   DELAYED DAMAGE
April   A TOUGH TO KILL CONSUMER
March   THE FEDERAL RESERVE BOARD BATTLES THE DEMOGRAPHICS!
February   A THREATENED CONSUMER!
January   A REVIEW AND PREVIEW
  1999
 
December   CONSUMER SPENDING IN THE NEW ECONOMY AND THE NEW YEAR
November   SLOWLY BUT LIKE A GLACIER: HOW DEMOGRAPHICS LOWER WAGE COSTS
October   MOMENTUM CHARTS
October   THE BATTLE OF SPENDING & SAVING! SPEND NOW & SAVE LATER
September   A DELICATE BALANCE
August   A UNIQUE ENDING
July   SO MUCH BORROWING! HOW MUCH RISK?
June   THE CONSUMER FORECAST FOR THE MILLENNIUM
May   THE CURRENT STATE OF THE CONSUMER ECONOMY - A CHARTROOM
April   THE 2Q 1999 CONSUMER SLOW DOWN

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