Page 1
BESPOKE Market Intelligence Consumer Pulse Dashboard
Consumer Sentiment
Consumer Confidence
Spending Categories
Employment
Income / Job Security
Personal Finances
Stock Market View
Interest Rates / Risk
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
Page 2
Return to DashboardBESPOKE Market Intelligence
Key Takeaways – Data MapMay Traffic
At right is our Data Map that summarizes all of the indicators that we’re able to pull from our monthlysurvey. The most recent reading is shown under “Current”, and we highlight whether it got better or worseversus the prior month. Overall, there continues to be a healthy degree of optimism from the consumer,which is a good sign for upcoming spending.
Overall indicators were mixed, with deteriorating sentiment despite improvement in income gains. As wediscuss in our “Sentiment” summary on page 6, we think rising gas prices are the direct cause of thesentiment changes. Other indicators were mixed with labor markets deteriorating slightly on the month.Finances are once gain the worst category despite income gains.
From an optimist’s perspective, traffic improved dramatically on a number of indicators this month, with bigjumps in home improvement, e-commerce, restaurants, and auto expected purchases. Housing also remainsby far the brightest sector we track, with all kinds of leading indicators continuing to perk up.
Investors remain very bullish, which is why both current and historical Investor readings are now, in our view,negative.
MAY 2015
Current Month/Month Historical
Sentiment
Consumer Confidence (Economy) 2.76 Worse 2.84
Consumer Confidence (Finances) 3.02 Worse 2.98
Discretionary Spending 2.80 Better 2.79
Living Paycheck to Paycheck 46.6 (%) Worse 43.3 (%)
Financial Condition vs. Average Person 3.10 Same 3.10
Labor
Weekly Hours Worked (Across Industries) 38.0 Better 38.0
Unemployed and Looking for Work 6.1 (%) Better 6.3 (%)
US Unemployment Outlook 3.08 Worse 3.10
Filed for Unemployment Assistance 5.1 (%) Worse 4.2 (%)
Concerns About Job Security 3.65 Better 3.64
Finances
Consumer Debt 2.63 Worse 2.54
Credit Card Delinquencies 13.8 (%) Worse 13.2 (%)
Personal Income 3.39 Same 3.39
Housing
Building Permits 3.3 (%) ↑ 3.1 (%)
Recent Purchases (past three months) 2.7 (%) ↓ 2.8 (%)
Planned Purchases (in next year) 8.1 (%) ↑ 7.6 (%)
Mortgage Delinquencies (2+ months) 7.8 (%) ↑ 6.1 (%)
Refinanced Mortgage in Past Year 7.5 (%) ↑ 6.6 (%)
Activity
Retail Traffic (Visits Per Respondent)
Drug Stores 0.94 ↑ 0.93
Big Box / Dollar 1.60 - 1.60
Home Improvement 1.67 ↑ 1.45
Department Stores 0.89 ↓ 0.87
Purchase Activity (Purchases Per Respondent)
E-Commerce 1.10 ↑ 1.03
Consumer Electronics 0.65 ↑ 0.57
Airlines 0.28 ↑ 0.24
Restaurants 2.30 ↑ 2.16
Healthcare
Hospital Utilization (past month) 8.8 (%) ↑ 7.5 (%)
Physician Utilization (past month) 22.1 (%) ↓ 23.6 (%)
Insured 88.5 (%) ↑ 87.8 (%)
Autos
Purchases (past three months) 5.3 (%) ↓ 5.7 (%)
Expected Purchases (next six months) 10.6 (%) ↑ 10.2 (%)
Investors
Risk Tolerance 2.93 ↓ 2.94
View of Stock Market 3.27 - 3.27
Bullish Sentiment 37.4 (%) ↓ 35.1 (%)
Bearish Sentiment 12.8 (%) ↑ 10.5 (%)
Bespoke Consumer Pulse Data Map
Page 3
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 75 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. Housing remains a majorbright spot and labor markets had a solid reading for the moth of May. One bearishindicator that continue to accelerate are delinquencies in both mortgages and credit carddebt, which hit new series highs despite rising incomes and employment.
Changes in Heat Map Versus Last Month
- Labor Market: Continued improvement.
- Housing: Solid leading indicator and traffic activity.
- Consumer Sentiment: Negative month-over-month, but only modestly.
- Consumer Activity: Bounce-back with large gains in numerous categories.
- Personal Finances: Moderate weakening led by continued rises in delinquency.
- Investor Sentiment: Bullishness and positive sentiment at new series highs.
Bespoke Consumer Heat Map
MAY 2015
Outer Band: Current Conditions
Inner Band: Month-Over-Month Change
Better Same Worse
Positive Neutral Negative
Inner Band
Outer Band
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Page 4
BESPOKE Market Intelligence
Key Takeaways – Stock PicksThe stocks below are names that have positive and negative catalysts based on the data we gathered fromconsumers. Longs are names focused on housing and consumer credit. Shorts are names that are alsoconsumer facing, but are starting to break down technically or have run up significantly.
ITB (iShares U.S. Home Construction) – We love housing right now and almost all of our data suggests thathousing market activity continues to improve throughout the country. We especially like trends in homeimprovement spending and plans to purchase. ITB gives broad exposure to builders. (page 8)
WFC (Wells Fargo & Co) – Wells Fargo’s traditional banking business can only benefit from increasedmortgage lending that would come with a more rapid market turnover. As an added benefit the large moneycenter bank will see EPS tailwinds from a rate hike if one happens this year as we expect. (page 20)
RAD (Rite Aid) – While traffic hasn’t fallen off a cliff for RAD, we don’t like the slow, steady downtrend inshare that we’ve seen from the name. After a huge run since last December, now is the time to exit. (page38)
LNKD (LinkedIn Corp) – After a disastrous report last month, we think LNKD isn’t done falling as traffic trendsare less than inspiring for the name. Even worse, more than half of young consumers (18-24) have nevervisited the site. (page 34 and 35)
SBUX (Starbucks) – Starbucks continues to trend higher and we think the slight slowdown in traffic we’veseen is due to rebound further following a big gain this month.
MAY 2015
iShares U.S. Home Construction (ITB): Last Six Months
Wells Fargo & Co (WFC): Last Six Months
Rite Aid Corp (RAD): Last Six Months
23.00
24.00
25.00
26.00
27.00
28.00
29.00
30.00
50.00
51.00
52.00
53.00
54.00
55.00
56.00
57.00
58.00
5.00
5.50
6.00
6.50
7.00
7.50
8.00
8.50
9.00
9.50
LinkedIn Corp (LNKD): Last Six Months
170.00
190.00
210.00
230.00
250.00
270.00
290.00
Starbucks (SBUX): Last Six Months
38.00
40.00
42.00
44.00
46.00
48.00
50.00
52.00
54.00
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Page 5
40
42
44
46
48
50
52
-25
-20
-15
-10
-5
0
5
10
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Economic Sentiment Versus Income Gains
Positive Minus Negative Sentiment (%, Left Axis)
% Reporting "Higher" or "Much Higher" Income (Right Axis)
BESPOKE Market Intelligence
Key Takeaways: Sentiment
At right we show the recent divergence between sentiment and income. As shown, the netsentiment reading (“Positive” and “Very Positive” less “Negative” and “Very Negative”) hasdiverged sharply from the percentage of consumers reporting “Higher” or “Much Higher”income over the past year. From the start of our data set through January, the two had move uplargely in tandem. This is intuitive; as consumers see better income gains, they should becomemore confident. But since January, there’s been a sharp divergence. Why?
The answer is gas prices. Starting in December, we began capturing sentiment on gas prices byasking consumers if they had noticed changes in gas prices recently. On our tracker, higherresponses indicate consumers see gas prices rising, while lower responses indicate consumerssee gas prices falling. As shown at right, the tracker perfectly captures the movement down insentiment amongst our survey respondents since the start of the year. In other words, our datashow that consumers’ perceptions of the economic outlook is highly dependent on gas prices.
What does that mean for consumer spending? It’s not entirely clear. Activity tracked by oursurvey didn’t indicate that spending surged in response to low gas prices, so we don’tnecessarily expect the increase in prices to pinch spending, despite the negative sentimentimplications. That said, consumer free cash flow isn’t growing as fast as it was in the fall, so thatcould put further downward pressure on spending after a lackluster start to the year.
Key Takeaways
- Economic sentiment has detached from reported income gains
- Gas prices play a large role in this dynamic
MAY 2015
1.00
1.50
2.00
2.50
3.00
3.50
4.00-25
-20
-15
-10
-5
0
5
10
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Economic Sentiment Versus Gas Price Changes
Positive Minus Negative Sentiment (%, Left Axis)
Change In Gas Price Tracker (Right Axis, Inverted Scale)
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Page 6
BESPOKE Market Intelligence
Key Takeaways: Labor Market
At right we show our summary of the distribution of the labor force. Currently, 67.2% ofrespondents have a job, down from highs of 73.2% in February. The share of thosereporting they work part time has averaged 14% since last July when our survey beganand currently stands at 14.8%, while full time workers have averaged 55% ofrespondents, currently standing lower at 52.4%. That said, both the unemployed whoare not looking for a job and unemployed looking for work currently sit below theiraverages. Overall our data show slow progress at best with regards to unemployment,but progress over the last year.
Looking at expectations, the situation is somewhat less optimistic. At below-right weshow our tracker for US unemployment rate expectations. As shown, the tracker hasdeclined every month since January except April, currently sitting above series lows butstill much lower than recent peaks. While we haven’t seen a dramatic spike inunemployment, this particular indicator shows a much less robust labor market over thepast few months.
Key Takeaways
- Fully employed rate stable but below peak
- Unemployment expectations slip somewhat
MAY 2015
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Population & Labor Force
Disabled, not able to work
Not employed, NOT looking for work
Not employed, looking for work
Retired
Employed, working parttime
Employed, working fulltime
2.98 3.03 3.03 3.04 3.14 3.15 3.19 3.13 3.09 3.10 3.08
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Expectations For US Unemployment Level One Year From Now (Tracker)
5 - Much Better
4 - Better
3 - Same
2 - Worse
1 - Much Worse
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Page 7
BESPOKE Market Intelligence
Key Takeaways: Finances
Broad price expectations have been very stable as measured by our survey, but there hasbeen some variation. The bottom and subsequent recovery have closely tracked gasolineprices at the pump. This is positive to a point: higher incomes have come with the higherprices, and the increases indicate that prices are more resilient than they were earlier inthe economic recovery when deflation was a significant possibility.
Looking at one specific component of price increases, renters reported the highestmonthly rent paid in our series history. We would note that like broad price increases,higher rents are not a strictly negative thing. Higher rents incentivize purchases of homesat the expense of renting, thus catalyzing more building activity. While we don’t foreseean explosion in rents, we do think our tracker should continue to trend up over time asvacancy rates are very, very low on a national basis, suggesting there’s pricing poweravailable for landlords.
Key Takeaways
- Inflation expectations have picked up, mostly due to gas price increases
- Rent has jumped from near series lows to new series highs in two months
MAY 2015
8.919.5710.24
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Average Expected Price Increased (Tracker)
Next Year
Next Five Years
Next Ten Years
1 - Down 15% or more
2 - Down 10-14%
13 - Up 15% or more
12 - Up 10-14%
11 - Up 6-9%
10 - Up 5%
9 - Up 3-4%
8 - Up 1-2%
7 - Same
6 - Down 1-2%
5 - Down 3-4%
4 - Down 5%
3 - Down 6-9%
2.15 2.19 2.10 2.20 2.11 2.14 2.15 2.20 2.12 2.16 2.24
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Monthly Rent (Tracker)
1 - Under $499
7 - $5,000+
4 - $2,000-$2,999
3 - $1,000-$1,999
2 - $500-$999
5 - $3,000-$3,999
6 - $4,000-$4,999
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Page 8
BESPOKE Market Intelligence
Key Takeaways: Housing
We continue to be constructive on the housing market based on our data, both from amacroeconomic perspective and with respect to companies operating in the space. Forconsumers, refinancing is a positive for cash flow as current mortgage rates are near theirlows despite a slight increase over the past few months. With large numbers ofconsumers never having refinanced, there’s still some juice for debt service ratios to besqueezed out through refinancing, although we do fully admit there isn’t much left.
In terms of new construction, robust building permit activity is evident relative to a yearago, when permit activity was less than half its current level. More building permitactivity means more building which has knock-on effects throughout the economy giventhe labor and material intensive nature of construction.
Key Takeaways
- Refinancing activity has been picking up
- Building permit applications hit a new series high
MAY 2015
5.8
6.8
5.7
4.2
6.3 6.5
4.2
6.05.3
6.67.5
0
2
4
6
8
10
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Refinanced Mortage Within the Past Year (%)
1.4
2.11.9
1.6
3.02.7
1.7
1.3
2.1
3.13.3
0
1
2
3
4
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Applied For a Building Permit in the Past Month (%)
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Page 9
BESPOKE Market Intelligence
Key Takeaways: Activity
While not technically one of our “Activity” indicators, we noticed this month thatsentiment towards the largest non-housing purchase consumers make has made anincredibly steady rise over the past 10 months. As shown at right, intent to purchase avehicle was almost 5% when we started our survey but over the course of the last 10months the series has moved upwards with remarkable consistency. This isn’t just folksmoving off the fence! “Maybe” answers have moved sideways, so we view this answer asa very strong indicator of consumer confidence.
Last month we noticed huge declines in traffic to restaurants, but as shown in the activityindicator at right, there were healthy, broad-based bounces in traffic for most chains. Wewouldn’t view any one name’s traffic as an indicator, but in aggregate the breadth ofgains is a helpful way to think about how much activity is going on.
Key Takeaways
- Expectations for car purchases have nearly doubled versus the start of our survey
- Traffic bounced back for restaurants
MAY 2015
-35% -30% -25% -20% -15% -10% -5% 0% 5% 10% 15% 20% 25% 30% 35%
Dunkin Donuts
Panera
None of the above
Sonic
Denny's
McDonald's
Burger King
Taco Bell
Shake Shack
Wendy's
Pizza Hut
Chipotle
KFC
Starbucks
Popeye's
Month/Month Change in Traffic (%)
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15.6
10.6
73.8
70
72
74
76
78
80
0
5
10
15
20
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Plans to Purchase/Lease a Vehicle in the Next Six Months (%)
MaybeYesNo (Right Axis)
Page 10
BESPOKE Market Intelligence
Key Takeaways: Investors
Once again, we show at right that stock market sentiment amongst investors hit a newseries high in our data. We think that the steady rise is more because of extremely lowstock market volatility rather than excess enthusiasm. Note the crash in sentiment forOctober when stocks fell to within a whisker of a 10% correction and similar reactionsduring a volatile December. Either way though, one thing we are certain of is the factthat elevated sentiment can’t last, whether it be because of a normal correction orbecause of irrational exuberance. For what it’s worth, that exuberance term (borrowedfrom former Fed Chair Alan Greenspan) strikes us as the less likely cause of the steadyrise in sentiment.
One reason we think that is the risk appetite investors are expressing. As shown at right,that currently stands below highs, and on a weighted average investors want to take lessrisk than they did last year.
Key Takeaways
- New high in stock market sentiment
- Risk appetite is elevated but at a less extreme high than sentiment
MAY 2015
3.06 3.12 3.162.98
3.26 3.14 3.19 3.25 3.27 3.27 3.28
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Current View of the Stock Market (Tracker)
5 - Very Positive
4 - Positive
3 - Neutral
2 - Negative
1 - Very Negative
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2.84 2.93 2.87 2.80 2.86 2.86 2.86 2.92 2.94 2.94 2.93
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Risk Currently Willing to Take Compared to One Year Ago (Tracker, %)
5 - Much More
4 - More
3 - Same
2 - Less
1 - Much Less
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7.0
29.8
36.6
24.0
2.0 0.7
7.6
26.8
40.6
21.0
2.81.3
8.2
31.0
39.1
18.6
2.1 1.1
0
10
20
30
40
50
Very Negative Negative Neutral Positive Very Positive N/A
Confidence in the Economy (%)
Mar Apr May
12.5
20.6
18.0
25.1
21.5
2.3
0
10
20
30
Strongly Disagree Disagree Neither AgreeNor Disagree
Agree Strongly Agree N/A
"I consider myself living paycheck to paycheck" (%)
44.144.5
43.5
42.0
44.1
43.0
44.7
43.2
45.8
43.3
46.6
40
41
42
43
44
45
46
47
48
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Agrees or Strongly Agrees, Tracker
Proprietary Research / bespokeintel.com 11
20.7
39.2
-18.5
-25
-20
-15
-10
-5
0
5
10
0
10
20
30
40
50
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Confidence in the Economy (%)
Positive or Very Positive (Left Axis)Negative or Very Negative (Left Axis)Net (Right Axis)
BESPOKE Market Intelligence
Consumer Confidence MAY 2015
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Page 12
Proprietary Research / bespokeintel.com 12
59.0
34.3
2.7 1.9 0.3 1.70
10
20
30
40
50
60
70
MuchLower
Lower Same Higher Muchhigher
I don'tknow
January: Noticed Changes in Gas Prices
31.8
39.6
3.9
21.5
0.8 2.4
0
10
20
30
40
50
60
MuchLower
Lower Same Higher Muchhigher
I don'tknow
February: Noticed Changes in Gas Prices
1.661.48
2.18
2.712.92
3.49
0.0
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
4.5
5.0
Dec Jan Feb Mar Apr May
Noticed Changes In Gas Prices: Tracker
6.4
34.7
16.7
36.0
1.94.4
0
10
20
30
40
50
MuchLower
Lower Same Higher Muchhigher
I don'tknow
April: Noticed Changes in Gas Prices
12.7
38.9
11.6
30.3
2.9 3.6
0
10
20
30
40
50
MuchLower
Lower Same Higher Muchhigher
I don'tknow
March: Noticed Changes in Gas Prices
BESPOKE Market Intelligence
Gas Prices MAY 2015
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2.9
19.0
11.9
52.7
9.54.1
0
10
20
30
40
50
60
MuchLower
Lower Same Higher Muchhigher
I don'tknow
May: Noticed Changes in Gas Prices
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9.1
21.8
51.8
15.0
2.3
0
10
20
30
40
50
60
Much Less Less Same More Much More
Expected Spending on Discretionary Items, Next Few Months (%)
Proprietary Research / bespokeintel.com
2.77 2.75 2.76 2.87 2.85 2.74 2.71 2.79 2.81 2.79 2.80
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Expected Spending on Discretionary Items, Next Few Months (Tracker)
1 - Much Less
2 - Less
3 - Same
4 - More
5 - Much More
BESPOKE Market Intelligence
Discretionary Spending MAY 2015
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Page 14
4.8
5.8
4.74.1
5.4
6.7
3.9
6.0
6.9
4.2
5.1
0
2
4
6
8
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Filed For Unemployment Assistance in Past Month (%)
52.4
14.8
6.1
0
5
10
15
20
50
52
54
56
58
60
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Employment Status Tracker (%)Employed, working full-time (Left Axis)
Employed, working part-time (Right Axis)
Not employed, looking for work (Right Axis)
52.4
14.8
9.1
6.1
12.4
5.2
0 10 20 30 40 50 60
Employed, working fulltime
Employed, working parttime
Retired
Not employed, looking for work
Not employed, NOT looking for work
Disabled, not able to work
Employment Status (%)
3.1
22.8
38.8
30.0
1.9 1.9
0
10
20
30
40
Much worse Worse Same Better Much better N/A
Expectations for US Unemployment Level One Year From Now (%)
2.98 3.03 3.03 3.04 3.14 3.15 3.19 3.13 3.09 3.10 3.08
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Expectations For US Unemployment Level One Year From Now (Tracker)
5 - Much Better
4 - Better
3 - Same
2 - Worse
1 - Much Worse
Proprietary Research / bespokeintel.com15
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Employment MAY 2015
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Page 15
3.3
9.7
36.4
43.5
7.1
0
10
20
30
40
50
Much less Less Same More Much more
Current Income vs. One Year Ago (%)
28.6 28.024.9
14.1
3.41.1
0
10
20
30
40
StronglyDisagree
Disagree NeitherAgree NorDisagree
Agree StronglyAgree
N/A
"I am concerned that I will lose my job" (%)
3.30 3.27 3.27 3.28 3.35 3.34 3.37 3.40 3.34 3.39 3.39
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Current Income vs. One Year Ago (Average Response)
1 - Much Less
5 - Much More
4 - More
3 - Same
2 - Less
3.56 3.56 3.56 3.64 3.64 3.64 3.64 3.64 3.68 3.64 3.65
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
"I am concerned that I will lose my job" (Tracker)
5 - Strongly Disagree
4 - Disagree
3 - Neither
2 - Agree
1 - Strongly Agree
37.3
38.8
38.5
39.8
38.7
38.5
38.1
38.3
38.0
38.7 38.5
35.0
36.0
37.0
38.0
39.0
40.0
41.0
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Hours Worked Average
Proprietary Research / bespokeintel.com16
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Income and Job Security MAY 2015
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Page 16
4.5
19.7
46.5
24.8
4.5
0
10
20
30
40
50
60
Much worse Worse Same Better Much better
Feelings About Personal Finances vs. One Year Ago (%)
6.7
26.2
34.2
28.5
4.5
0
10
20
30
40
Very Negative Negative Neutral Positive Very Positive
Sentiment Toward Personal Finances (%)
2.96 2.96 2.95 3.04 3.02 2.97 2.97 3.00 3.02 3.02 2.98
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Sentiment Toward Personal Finances Tracker
1 - Very Negative
2 - Negative
3 - Neutral
4 - Positive
5 - Very Positive
3.02 2.99 2.96 3.00 3.03 2.97 3.01 3.01 3.07 3.04 3.05
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Feelings About Personal Finances vs. One Year Ago (Tracker)
5 - Much Better
4 - Better
3 - Same
2 - Worse
1 - Much Worse
3.3
24.6
37.2
29.1
5.9
0
10
20
30
40
50
Much worse Worse The Same Better Much better
Financial Condition Compared to the Average Person (%)
3.12 3.07 3.13 3.21 3.12 3.10 3.07 3.13 3.12 3.10 3.10
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Financial Condition Compared to the Average Person (Tracker)
5 - Much Better
4 - Better
3 - Same
2 - Worse
1 - Much Worse
Proprietary Research / bespokeintel.com17
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Personal Finances MAY 2015
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Page 17
70.2
4.6
1.5
1.5
1.2
2.5
18.4
0 10 20 30 40 50 60 70 80 90 100
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 (%): All Respondents
35.7
26.6
12.2
8.7
7.3
5.8
1.2
1.1
0.6
0.9
0 10 20 30 40 50
$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 Respondents Keep on Credit Cards After Monthly Payment (%)
5.57
8.2
85.22
80
82
84
86
88
90
92
94
0
2
4
6
8
10
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Date of Last Credit Card Payment (Tracker, %)
1-3 months ago (Left Axis)4+ months ago (Left Axis)Within Past Month (Right Axis)
2.64 2.39 2.57 2.54 2.56 2.68 2.66 2.56 2.64 2.54 2.63
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Average Balance Respondents Keep on Credit Cards After Monthly Payment10 - $50,000+
9 - $40,000-$49,999
8 - $30,000-$39,999
7 - $20,000-$29,999
6 - $10,000-$19,999
5 - $5,000-$9,999
4 - $2,499-$4,999
3 - $1,000-$2,499
2 - $1-$999
1 - $0
7.2
17.4
46.4
16.0
6.4 6.6
0
10
20
30
40
50
60
Much less Less Same More Much more N/A
Credit Card Debt vs. One Year Ago (%)
3.00 2.95 2.99 2.98 2.96 3.05 3.02 2.98 2.96 2.96 2.97
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Credit Card Debt vs. One Year Ago (Tracker)
5 - Much More
4 - More
3 - Same
2 - Less
1 - Much Less
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Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Credit Card Payments MAY 2015
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Page 18
0.7
4.3
32.8
62.2
0 10 20 30 40 50 60 70
Military / Other
Multi-Family House
Apartment / Condo / Townhouse
Single Family House
Living Situation (%): Type of Residence
May
Apr
Mar
1.1
12.3
37.5
49.0
0 10 20 30 40 50 60
Other (please specify)
Living with parents, children,relatives, etc.
Rent
Own
Living Situation (%): Own vs. Rent
May
Apr
Mar
22.3
46.4
25.2
5.3
0.6
0.0
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 (%)
2.15 2.19 2.10 2.20 2.11 2.14 2.15 2.20 2.12 2.16 2.24
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Monthly Rent (Tracker)
1 - Under $499
7 - $5,000+
4 - $2,000-$2,999
3 - $1,000-$1,999
2 - $500-$999
5 - $3,000-$3,999
6 - $4,000-$4,999
29.8
7.2
23.2
25.8
7.6
2.4
0.8
0.8
2.3
0 10 20 30 40
I do not have a mortgage
Under $499
$500-$999
$1,000-$1,999
$2,000-$2,999
$3,000-$3,999
$4,000-$4,999
$5,000+
I don't know
Monthly Mortgage Payment (%)
2.69 2.67 2.64 2.69 2.67 2.63 2.62 2.70 2.68 2.75 2.71
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Average Monthly Mortgage Payment (Tracker)
1 - Under $499
5 - $3,000-$3,999
4 - $2,000-$2,999
3 - $1,000-$1,999
2 - $500-$999
6 - $4,000-$4,999
7 - $5,000
Proprietary Research / bespokeintel.com19
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Renting / Mortgage MAY 2015
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Page 19
85.7
5.4
1.2
2.3
0.8
0.2
0.4
4.1
0 10 20 30 40 50 60 70 80 90 100
Within the past month
1 month ago
2 months ago
3 months ago
4 months ago
5 months ago
6 months ago
More than 6 months ago
When Was the Last Time You Made a Mortgage Payment? (%)
7.8
5.4
0
2
4
6
8
10
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Last Mortgage Payment Tracker (%)
2+ Months ago 1 Month Ago
20
38.1
7.5
4.3
9.9
10.4
5.0
5.4
8.9
2.5
7.9
0 10 20 30 40 50
I have never refinanced my mortgage
Within the past year
1 year ago
2 years ago
3 years ago
4 years ago
5 years ago
6 – 12 years ago
12 or more years ago
Not Applicable
Last Time Refinanced Mortgage (%)
5.8
6.8
5.7
4.2
6.3 6.5
4.2
6.05.3
6.67.5
0
2
4
6
8
10
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Refinanced Mortage Within the Past Year (%)
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BESPOKE Market Intelligence
Mortgage Delinquencies MAY 2015
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Page 20
2.6
2.7
5.8
21.2
21.9
17.4
28.4
0 5 10 15 20 25 30 35
NA
Within the past three months
Within the past year
1-5 years ago
6-10 years ago
11-15 years ago
16+ years ago
Date of Home Purchase (%)
2.7
5.8
0
2
4
6
8
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Date of Home Purchase (Tracker, %)
Within the past three months Within the past year
21
25.6
26.9
29.9
25.0
28.4 28.028.9
23.0
27.526.7
27.9
20
22
24
26
28
30
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Home Was a New Construction When Purchased (%)
2.32.6
1.8
2.52.2
2.8
2.3
1.91.5
3.33.1
0
1
2
3
4
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Home Owners: Home Currently Listed For Sale (%)
1.4
2.11.9
1.6
3.02.7
1.7
1.3
2.1
3.13.3
0
1
2
3
4
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Applied For a Building Permit in the Past Month (%)
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BESPOKE Market Intelligence
Recent Home Purchases MAY 2015
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Page 21
53.3
24.6
14.0
4.4 3.7
0
10
20
30
40
50
60
70
Very Unlikely Unlikely SomewhatLikely
Likely Very Likely
Likelihood of Purchasing a House in the Next Year (%)
22
5.9 5.7
5.0
6.4
7.3
5.8 5.86.4
7.97.6
8.1
4
6
8
10
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Likely or Very Likely to Purchase House in the Next Year (%)
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BESPOKE Market Intelligence
Future Home Purchases MAY 2015
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Page 22
40.0
29.6
15.3
8.0
4.92.3
0
10
20
30
40
50
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Favorite Website/App for Searching for Real Estate (%)
Not Applicable
Zillow
Realtor.com
Trulia
Other
Redfin
23Proprietary Research / bespokeintel.com
36.8
25.2
8.0
10.4
16.0
3.7
0
10
20
30
40
50
Sept Oct Nov Dec Jan Feb Mar Apr May
Likely or Very Likely to Purchase Home in the Next Year: Favorite Website/App for Real Estate Search (Rolling Three
Month Percentages)
Zillow
Realtor.com
Other
Trulia
N/A
Redfin
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Real Estate Sites / Apps MAY 2015
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18.0
10.2
8.9
9.0
22.8
31.1
0 10 20 30 40
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 a home improvement project
Last Time Starting a Home Improvement Project (%)
0
10
20
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Last Time Starting a Home Improvement Project (Tracker, %)
In the past month In the past three months
24
71.9
28.1
0
10
20
30
40
50
60
70
80
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Do-it-Yourself vs. Hiring Someone (%)
Do-it-yourself Hired someone
37.7
51.2
25
30
35
40
45
50
55
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Plans to Start a Home Improvement Project in the Next Six Months (%)
All Respondents Home Owners
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BESPOKE Market Intelligence
Home Improvement MAY 2015
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Page 24
17.3
15.214.0
10.7
9.99.5
7.8
0
5
10
15
20
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Which Manufacturer Did You Purchase or Lease? - Majors (%)
GM (Chevrolet, Buick, Cadillac) Toyota/Lexus Other
Honda Ford/Lincoln Chrysler/Jeep/Dodge
Nissan/Infiniti
25
6.6
4.13.7
2.5
2.11.6
0
2
4
6
8
10
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Which Manufacturer Did You Purchase or Lease? - Minors (%)
Hyundai Subaru Mercedes Volkswagen
Volvo Audi BMW Tesla
5.3
10.9
9.7
14.2
12.3
7.1
9.5
16.5
5.3
9.2
0 5 10 15 20 25
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 or lease your primary automobile? (%)
5.25.6 5.7 5.5 5.6 5.4
4.14.9
5.7 5.75.3
0
2
4
6
8
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Purchased or Leased Primary Automobile in Past Three Months (%)
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BESPOKE Market Intelligence
Recent Auto Purchases MAY 2015
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Page 25
25.2
24.2
17.8
16.8
15.5
14.5
14.2
10.9
9.9
9.2
7.9
7.1
6.1
5.1
5.1
1.5
0 10 20 30 40
Honda
Toyota/Lexus
GM (Chevrolet, Buick, Cadillac)
Ford/Lincoln
Nissan/Infiniti
I don't know
Chrysler/Jeep/Dodge
Hyundai
Other
Subaru
BMW
Volkswagen
Audi
Mercedes
Volvo
Tesla
Which type of automobile would you be most likely to purchase/lease in next six months?
May
Dec
Nov
26
51.4
46.9
40
45
50
55
60
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Purchased Car During Past Three Months: Used vs. New (%)
Used New
15.6
10.6
73.8
70
72
74
76
78
80
0
5
10
15
20
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Plans to Purchase/Lease a Vehicle in the Next Six Months (%)
MaybeYesNo (Right Axis)
46.6
37.4
16.0
0
10
20
30
40
50
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Plans/Lease to Purchase Vehicle in Next Six Months: Used vs. New (%)
Used New I don't know
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BESPOKE Market Intelligence
Expected Auto Purchases MAY 2015
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Page 26
2.76.5
43.6
33.6
7.4 6.2
0
10
20
30
40
50
MuchLower
Lower Same Higher MuchHigher
NA
Overall Healthcare Costs vs. Past Year (%)
1.96.5
53.2
23.9
5.39.2
0
10
20
30
40
50
60
MuchLower
Lower Same Higher MuchHigher
NA
Copay vs. Past Year (%)
2.05.2
53.5
21.4
6.911.0
0
10
20
30
40
50
60
MuchLower
Lower Same Higher MuchHigher
NA
Deductible vs. Past Year (%)
2.45.6
43.7
32.5
6.88.9
0
10
20
30
40
50
MuchLower
Lower Same Higher MuchHigher
NA
Premium vs. Past Year (%)
3.39
3.273.29
3.15
3.30
3.45
3.60
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Healthcare Costs vs. Past Year (Tracker)
Overall Copay Deductible Premium
5 - Much Higher4 - Higher3 - Same2 - Lower1 - Much Lower
27
87.6
89.089.5
88.1
87.0
85.9
88.8
90.9
88.487.8
88.5
84
85
86
87
88
89
90
91
92
93
94
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Do you have health insurance?
3.0
4.5
9.510.2
16.6
56.1
50
52
54
56
58
60
62
64
66
68
0
5
10
15
20
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Type of Health Insurance
None of the above OtherMedicaid Self-Purchased / ExchangeMedicare Employer Provided (Right Axis)
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BESPOKE Market Intelligence
Health Insurance Costs MAY 2015
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8.8
10.3
11.0
4.5
6.0
48.9
10.6
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 hospital
Last Hospital Visit (%)
8.8
10.3
4
6
8
10
12
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Last Hospital Visit (Tracker, %)
Within the past month 1- 3 months ago
28
22.1
25.6
14.9
6.9
7.1
18.8
4.7
0 10 20 30
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 (%)
22.1
25.6
20
22
24
26
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Last Doctor's Visit (Tracker, %)
Within the past month 1-3 months ago
Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Healthcare Utilization MAY 2015
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Page 28
29Proprietary Research / bespokeintel.com
22.1
26.2 26.124.4
26.624.7 25.0
27.2
0
5
10
15
20
25
30
Oct Nov Dec Jan Feb Mar Apr May
Dental Visits (%)
0.6
1.41.1 1.1 0.9
1.2 1.11.4
3.9 3.9 3.8 3.63.1 3.3
4.4
3.5
0.5 0.3 0.2 0.30.6 0.6
0.20.7
0
1
2
3
4
5
6
Oct Nov Dec Jan Feb Mar Apr May
Elective Procedures (%)
Cosmetic or Plastic Surgery Orthopedic Visit or Survery Lasik Surgery
73.068.2 68.9 70.6 68.7 70.2 69.3 67.2
0
10
20
30
40
50
60
70
80
Oct Nov Dec Jan Feb Mar Apr May
None of the above (%)
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BESPOKE Market Intelligence
Healthcare Procedures MAY 2015
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Page 29
36.9
25.3
21.2
15.1
14.511.8
11.6
0
10
20
30
40
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Brand Purchased in Past Month - Majors (%)
Apple
Samsung
Other
Amazon
Sony
LG
Microsoft
30
6.9
6.14.9
4.7
3.9
2.7
0
2
4
6
8
10
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Brand Purchased in Past Month - Minors (%)
Google
Nintendo
HTC
Panasonic
Nokia
Blackberry
13.4
12.1
7.26.96.2
5.14.7
3.1
0
3
6
9
12
15
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Consumer Electronics: Purchased During the Past Month (%)
None of the above
Smartphone
Headphones
Laptop Computer
Tablet
TV
Gaming Console
Printer
Desktop Computer
9.9
7.2
5.8
7.1
2.93.74.7
2.0
0
3
6
9
12
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Consumer Electronics: Plans to Purchase Next Month (%)
Smartphone
Laptop
TV
Headphones
Tablet
Printer
Desktop Computer
Gaming Console
Stereo System
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BESPOKE Market Intelligence
Consumer Electronics MAY 2015
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Page 30
31Proprietary Research / bespokeintel.com
5.9 6.9
12.1 12.414.5 12.9 15.3
20.2
14.7 15.2
25.2 26.7
31.6 31.934.4
39.7
0
10
20
30
40
Oct Nov Dec Jan Feb Mar Apr May
Has Purchased or Ordered iPhone 6 or 6 Plus
All Consumers Existing iPhone Owners
78.7 75.2 76.571.7
79.171.9 72.1 71.3
21.324.8 23.5 28.3
20.928.1 27.9 28.7
0102030405060708090
100
Oct Nov Dec Jan Feb Mar Apr May
Owns iPhone 6 or 6 Plus: Which Model?
iPhone 6 iPhone 6 Plus
17.2
10.213.0
10.9 10.2 9.8
15.518.4
27.3
18.6 19.816.8
18.416.3
25.8 25.8
0
10
20
30
Sept Oct Nov Dec Jan Feb Apr May
Made Effort to Learn About Apple Watch
All Consumers Existing iPhone Owners
3.4
0.0
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
All
iPhone Owners: Has Purchased / Ordered An Apple Watch
4.1
2.8
0.0
1.0
2.0
3.0
4.0
5.0
Male Female
iPhone Owners: Has Purchased / Ordered An Apple Watch
6.5
4.4
2.0 1.8 1.6
0.0
1.0
2.0
3.0
4.0
5.0
6.0
7.0
18 to 24 25 to 34 35 to 44 45 to 54 54 to 64
iPhone Owners: Has Purchased / Ordered An Apple Watch
2.9
3.84.1
2.3
0.0
1.0
2.0
3.0
4.0
5.0
$0 - $49,999 $50,000 -$99,999
$100,000 -$199,999
$200,000 +
iPhone Owners: Has Purchased / Ordered An Apple Watch
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BESPOKE Market Intelligence
New Apple Products MAY 2015
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Page 31
32
75.3 74.9
77.679.4
82.3
80.2 80.181.8 81.2
83.184.8
70
80
90
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Owns a Smartphone (%)
53.6
24.4
20
30
40
50
60
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Smartphone Ownership: Brand - Majors (%)
Apple
Samsung
7.77.5
3.3
1.61.3
0.20.3
0
2
4
6
8
10
12
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Smartphone Ownership: Brand - Minors (%)
Other
LG
HTC
Nokia
Blackberry
Microsoft
Amazon
Proprietary Research / bespokeintel.com
39.3
50.657.9
63.8
0
10
20
30
40
50
60
70
80
90
100
< $50,000 $50,000-$99,999 $100,000-$199,999 $200,000+
Apple iPhone Ownership Income Breakdown (Rolling 3 Month Percentages)
Sept Oct Nov Dec Jan Feb Mar Apr May
43.241.2 41.5 41.0
43.645.6
43.3
40.441.5
50.8
48.246.0
47.0
50.3
53.9
50.649.3
50.6
30
40
50
60
Sept Oct Nov Dec Jan Feb Mar Apr May
Apple iPhone Ownership Gender Breakdown (Rolling Three Month Percentages)
Male Female
48.2 50.245.8
41.2
47.843.7
0
10
20
30
40
50
60
18-24 25-34 35-44 45-54 55-65 65-74
Apple iPhone Ownership Age Breakdown (Rolling Three Month Percentages)
Sept Oct Nov Dec Jan Feb Mar Apr May
7.0
11.6
13.2
22.4
8.2
26.8
10.8
0 5 10 15 20 25 30
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?
May
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Smartphone Ownership MAY 2015
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Page 32
2.0
3.7
4.8
6.6
8.8
9.7
24.2
39.5
0 10 20 30 40
Nokia
Blackberry
HTC
Other
Regular Cell Phone
LG
Samsung
Apple
Which smartphone brand did you own last before your current smartphone? (%)
May
Mar
Feb
53.9
90.7
40
50
60
70
80
90
100
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Real Retention Rates: Apple vs. Samsung (%)
Samsung Apple
1.3
2.3
5.8
7.4
8.0
10.3
10.9
53.4
0 10 20 30 40 50 60
Blackberry
Nokia
HTC
Other
Regular Cell Phone
LG
Apple
Samsung
Current Samsung Owners: What did they own last (%)
May
Apr
Mar
33
2.9
5.5
5.7
29.1
53.5
0 10 20 30 40 50 60
HTC
Other (please specify)
LG
Samsung
Apple
Smartphone Owners: Which brand will you purchase next? (%)
May Apr Mar
0.7
0.7
0.9
4.1
92.2
0 10 20 30 40 50 60 70 80 90 100
Blackberry
HTC
Other
Samsung
Apple
Apple iPhone Owners: Plans to Purchase Next (%)
May Apr Mar
1.6
1.9
2.3
7.7
85.2
0 10 20 30 40 50 60 70 80 90
HTC
LG
Other
Apple
Samsung
Samsung Smartphone Owners: Plans to Purchase Next (%)
May Apr Mar
Proprietary 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.
2.2
2.3
3.8
4.8
8.5
9.5
66.8
0 10 20 30 40 50 60 70
HTC
Other
Blackberry
LG
Regular Cell Phone
Samsung
Apple
Current iPhone Owners: What did they own last? (%)
May
Apr
Mar
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Smartphone Retention Rates MAY 2015
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Page 33
34
45.8
32.629.8
21.4
14.612.6
4.10
10
20
30
40
50
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Do you currently have an account with any of the following streaming services? (%)
Netflix
None of the above
Pandora
Amazon Prime
Hulu
Spotify
iRadio
70.6
45.2
28.2
18.6
16.2
0
10
20
30
40
50
60
70
80
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Which two services do you use most often? (%)
Netflix
Pandora
Amazon Prime
Hulu
Spotify
Proprietary Research / bespokeintel.com
57.6 56.7
44.3
37.2
26.5
18.5
11.1
0
10
20
30
40
50
60
18-24 25-34 35-44 45-54 55-64 65-74 75+
Netflix Subscribers Age Breakdown (Rolling 3 Month Percentages)
Sept Oct Nov Dec Jan Feb Mar Apr May
45.841.6
29.2
22.0
15.711.6
5.3
0
10
20
30
40
50
60
18-24 25-34 35-44 45-54 55-64 65-74 75+
Pandora Subscribers Age Breakdown (Rolling 3 Month Percentages)
Sept Oct Nov Dec Jan Feb Mar Apr May
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Streaming Services MAY 2015
Return to Dashboard
Page 34
0.4
2.1
2.9
3.6
6.6
8.5
12.9
17.3
19.2
19.8
25.3
78.5
0 10 20 30 40 50 60 70 80 90
Slingshot
Vine
Not Applicable
Kik
WhatsApp
Snapchat
Other
Twitter
Pinterest
LinkedIn
Instagram
Facebook
Social Media Websites: Which two do you use most often? (%)
May
Apr
Mar
35Proprietary Research / bespokeintel.com
72.5
34.032.8
32.530.8
20
30
40
50
60
70
80
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Social Media Sites: Has Account (Majors)
Facebook
Twitter
Instagram
LinkedIn
Pinterest
16.9
16.2
9.3
7.9
0
5
10
15
20
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Social Media Sites: Has Account (Others)
Snapchat
None
WhatsApp
Kik
Vine
Slingshot
18.8
36.331.2
37.232.9
29.2
17.3
0
10
20
30
40
50
18-24 25-34 35-44 45-54 55-64 65-74 75+
LinkedIn Accounts Age Breakdown (Rolling 3 Month Percentages)
Sept Oct Nov Dec Jan Feb Mar Apr May
49.5
39.1
34.3
25.9
18.6
10.37.6
0
10
20
30
40
50
18-24 25-34 35-44 45-54 55-64 65-74 75+
Twitter Accounts Age Breakdown (Rolling 3 Month Percentages)
Sept Oct Nov Dec Jan Feb Mar Apr May
79.082.6
74.770.2
65.559.7
47.6
0
10
20
30
40
50
60
70
80
90
100
18-24 25-34 35-44 45-54 55-64 65-74 75+
Facebook Accounts Age Breakdown (Rolling 3 Month Percentages)
Sept Oct Nov Dec Jan Feb Mar Apr May
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Social Media Accounts MAY 2015
Return to DashboardNext: Engagement
Page 35
35Proprietary Research / bespokeintel.com
4.51
3.91
4.51
3.42 3.38 3.38
3.16 3.17
3.38
Facebook Pinterest Instagram Snapchat Twitter WhatsApp Kik LinkedIn Vine
Social Media Visit Frequency (Weighted Average)
Apr
May
Within the past month (3)
More than a year ago (1)
Within the past year (2)
Within the past week (4)
Today (5)
15.2
6.6
4.0
4.0
2.5
67.6
37.7
16.2
6.1
7.7
2.8
29.6
0 10 20 30 40 50 60 70 80 90 100
Today
Within the past week
Within the past month
Within the past year
More than a year ago
Never
Snapchat Visits (%)
18-24 Years Old
All Respondents
8.7
3.7
3.6
2.6
2.6
78.8
9.3
4.5
2.8
6.5
4.5
72.5
0 10 20 30 40 50 60 70 80 90 100
Today
Within the past week
Within the past month
Within the past year
More than a year ago
Never
WhatsApp Visits (%)
18-24 Years Old
All Respondents
6.2
3.1
2.8
3.2
4.6
80.1
15.0
4.5
6.9
7.3
9.3
57.1
0 10 20 30 40 50 60 70 80 90 100
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
2.9
2.2
1.2
0.9
1.1
91.7
6.5
4.0
1.2
1.2
1.6
85.4
0 10 20 30 40 50 60 70 80 90 100
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
9.2
17.1
14.0
10.0
7.8
41.9
8.9
11.7
9.7
7.7
5.7
56.3
0 10 20 30 40 50 60 70 80 90 100
Today
Within the past week
Within the past month
Within the past year
More than a year ago
Never
LinkedIn Visits (%)
18-24 Years Old
All Respondents
14.8
17.1
11.2
10.1
5.8
40.9
20.6
16.6
10.5
8.9
9.7
33.6
0 10 20 30 40 50 60 70 80 90 100
Today
Within the past week
Within the past month
Within the past year
More than a year ago
Never
Pinterest Visits (%)
18-24 Years Old
All Respondents
16.8
14.1
10.7
10.0
7.7
40.8
31.6
18.2
10.9
12.1
8.5
18.6
0 10 20 30 40 50 60 70 80 90 100
Today
Within the past week
Within the past month
Within the past year
More than a year ago
Never
Twitter Visits (%)
18-24 Years Old
All Respondents
5.3
5.0
5.1
8.5
4.7
71.5
13.0
9.3
10.1
19.4
7.3
40.9
0 10 20 30 40 50 60 70 80 90 100
Today
Within the past week
Within the past month
Within the past year
More than a year ago
Never
Vine Visits (%)
18-24 Years Old
All Respondents
68.2
14.8
5.4
2.8
3.1
5.8
68.8
13.0
6.5
3.6
3.2
4.9
0 10 20 30 40 50 60 70 80 90 100
Today
Within the past week
Within the past month
Within the past year
More than a year ago
Never
Facebook Visits (%)
18-24 Years Old
All Respondents
27.3
9.5
5.9
5.3
5.2
46.8
49.0
12.6
6.5
5.7
4.9
21.5
0 10 20 30 40 50 60 70 80 90 100
Today
Within the past week
Within the past month
Within the past year
More than a year ago
Never
Instagram Visits (%)
18-24 Years Old
All Respondents
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Social Media Engagement MAY 2015
Return to DashboardPrevious Page
Page 36
0.7
1.9
2.2
3.7
4.5
4.7
5.7
15.5
21.9
30.8
52.9
0 10 20 30 40 50 60
Liquidity Services
Wayfair
Zulily
Overstock
Not Applicable
Living Social
Etsy
Groupon
eBay
None of the above
Amazon
Have Purchased Items During Past Month (%)
May
Apr
Mar
36Proprietary Research / bespokeintel.com
11.2
19.120.5 20.2
0
10
20
30
< $50,000 $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 Jan Feb Mar Apr May
21.7 22.320.5
14.9
0
10
20
30
< $50,000 $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 Jan Feb Mar Apr May
48.0
55.559.7
67.6
0
10
20
30
40
50
60
70
80
< $50,000 $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 Jan Feb Mar Apr May
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
E-Commerce MAY 2015
Return to DashboardNext: ASPs
Page 37
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.
27.00
30.00
35.00
38.00
42.50
45.00
50.00
98.00
110.00
30.00
25.00
30.00
30.00
50.00
40.00
12.00
52.50
100.00
0 20 40 60 80 100 120
Groupon
Living Social
Etsy
Ebay
Zulily
Amazon
Liquidity Services
Overstock
Wayfair
Online Retailers: Median Spend Per Visit
May
Apr
210
66
79
285
26
699
9
49
25
181
42
59
261
31
656
3
32
27
0 200 400 600 800
Groupon
Living Social
Etsy
Ebay
Zulily
Amazon
Liquidity Services
Overstock
Wayfair
Online Retailers: Visits
May
Apr
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
E-Commerce ASPs MAY 2015
Return to DashboardPrevious Page
Page 38
40.339.3
32.8
13.2
1.60
10
20
30
40
50
July Aug Sept Oct Nov Dec Jan Mar Apr Apr May
Have Visited in the Past Month (%)
Walgreens
CVS
None of theaboveRite Aid
DuaneReade
37Proprietary Research / bespokeintel.com
38.0
1.6
11.2
34.0
35.2
0 10 20 30 40 50
None of the above
Duane Reade
Rite Aid
CVS
Walgreens
Have Purchased from Store in the Past Month (%)
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Drug Stores MAY 2015
Return to DashboardNext: ASPs
Page 39
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.
20.00
20.00
20.00
31.00
20.00
20.00
20.00
25.00
0 5 10 15 20 25 30 35
CVS
Walgreens
Rite Aid
Duane Reade
Drug Stores: Median Spend Per Visit
May
Apr
414
425
144
18
343
417
139
16
0 100 200 300 400 500
CVS
Walgreens
Rite Aid
Duane Reade
Drug Stores: Visits
May
Apr
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Drug Stores ASPs MAY 2015
Return to DashboardPrevious Page
Page 40
44.2
39.536.6
28.025.2
11.1
0
10
20
30
40
50
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Shopped at Retailers For Home Improvement Items in Past Month (%)
Home Depot
Lowe's
Walmart
None of the above
Target
Sears
38Proprietary Research / bespokeintel.com
26.5
28.8
14.6 16.116.4
0
10
20
30
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 Jan Feb Mar Apr May
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Home Improvement Retailers MAY 2015
Return to DashboardNext: ASPs
Page 41
470
392
649
471
110
0 100 200 300 400 500 600 700
Home Depot
Lowe's
Walmart
Target
Sears
Home Improvement Retailers: Visits
May
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.
75.00
67.50
60.00
50.00
52.50
0 20 40 60 80
Home Depot
Lowe's
Walmart
Target
Sears
Home Improvement Retailers: Median Spend Per Visit
May
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Home Improvement ASPs MAY 2015
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Page 42
39
24.823.8
21.0
7.27.1
2.52.2
0
10
20
30
40
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Have Visited in the Past Month (%)
Kohl's Macy'sJC Penney NordstromDillards' Bloomingdale'sSak's Fifth Avenue
Proprietary Research / bespokeintel.com
5.5
19.0
1.6
20.5 19.6
1.3
5.0
57.9
7.8
28.6
3.4
25.5
32.1
2.7
8.4
42.6
6.0
33.6
3.3
17.9
30.9
2.4
10.9
41.6
7.4
36.2
6.4
17.6
26.1
4.3
16.0
40.4
0
10
20
30
40
50
60
Dillard's Macy's Bloomingdales JC Penney Kohl's Sak's FifthAvenue
Nordstrom None of theAbove
Have Visited in the Past Month (Three Month Rolling Percentages): Income Breakdown
< $50,000 $50,000-$99,999 $100,000-$199,999 $200,000+
2.6 2.1
28.6
7.9
22.9
9.2
28.5
2.9 2.4
29.2
8.7
24.1
10.5
30.2
0.0
0.2
0.4
0.6
0.8
1.0
1.2
1.4
1.6
1.8
2.0
0
10
20
30
40
Bloomingdales Sak's Fifth Ave Kohl's Dillard's JC Penney Nordstrom Macy's
Spre
ad
Ro
llin
g P
erc
en
tage
-P
ast
Thre
e M
on
ths
"Wealth Effect" (%) - All Respondents vs. Respondents Who Report Higher Incomes
All RespondentsFiltered - Consumers That Have Reported Higher or Much Higher Income Than One Year AgoSpread
63.2
2.1
2.3
3.4
6.7
14.3
15.4
18.3
0 20 40 60 80
None of the above
Sak's Fifth Avenue
Bloomingdales
Dillard's
Nordstrom
JC Penney
Kohl's
Macy's
Have Visited Website in the Past Month (%)
61.8
1.3
1.3
2.8
4.5
13.4
15.2
17.2
0 20 40 60 80
None of the above
Bloomingdales
Sak's Fifth Avenue
Dillard's
Nordstrom
JC Penney
Macy's
Kohl's
Have Purchased from Store or Website in the Past Month (%)
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Department Stores MAY 2015
Return to DashboardNext: ASPs
Page 43
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.
50.00
50.00
53.00
70.00
85.00
100.00
200.00
45.00
70.00
50.00
75.00
59.00
100.00
110.00
0 50 100 150 200 250
JC Penney
Dillard's
Kohl's
Macy's
Sak's Fifth Avenue
Nordstrom
Bloomingdales
Department Stores: Median Spend Per Visit
May
Apr
168
37
219
193
19
56
17
175
27
216
192
17
52
17
0 50 100 150 200 250
JC Penney
Dillard's
Kohl's
Macy's
Sak's Fifth Avenue
Nordstrom
Bloomingdales
Department Stores: Visits
May
Apr
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Department Stores ASPs MAY 2015
Return to DashboardPrevious Page
Page 44
40
1.2
7.0
7.6
7.6
8.610.2
11.3
12.0
12.6
13.4
19.8
21.8
22.9
23.726.3
46.7
2.4
7.9
7.2
8.416.7
14.3
16.810.7
12.3
13.2
14.6
29.9
23.8
21.8
24.3
47.6
0 10 20 30 40 50
Shake Shack
Denny's
Jack in the Box
Popeye's
Panera
Chipotle
Dunkin' Donuts
Sonic
KFC
Pizza Hut
None of the Above
Starbucks
Wendy's
Burger King
Taco Bell
McDonald's
Visits During Past Month (Three Month Rolling Percentages): Lower Income
$50,000-$99,999
< $50,000
2.3
5.6
6.3
6.5
7.6
9.5
11.2
14.1
15.9
16.9
17.2
18.6
21.4
22.035.7
2.1
5.2
3.1
4.2
6.3
10.4
9.4
10.9
22.9
21.9
20.8
19.3
15.6
23.4
40.1
0 10 20 30 40 50
Shake Shack
Jack in the Box
Denny's
Popeye's
Sonic
KFC
Pizza Hut
Burger King
Chipotle
Dunkin' Donuts
None of the Above
Taco Bell
Wendy's
Panera
Starbucks
Visits During Past Month (Three Month Rolling Percentages): Higher Income
$200,000+
$100,000-$199,999
43.1
28.4
23.522.020.2
19.8
10
20
30
40
50
60
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Have Visited During the Past Month (%) - Top Restaurants
McDonald's
Starbucks
Taco Bell
Wendy's
None of the above
Burger King
12.812.7
12.211.710.1
8.37.97.1
1.7
0
10
20
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Have Visited During the Past Month (%) - Others
Chipotle
Pizza Hut
Panera
Dunkin Donuts
KFC
Sonic
Jack in the Box
Popeye's
Denny's
Shake Shack
0.9
2.3
4.0
4.8
6.7
10.0
10.1
13.2
14.9
17.3
17.3
21.3
22.0
25.9
37.1
41.4
0 10 20 30 40 50 60
Jack in the Box
Sonic
Shake Shack
Denny's
Popeye's
KFC
Pizza Hut
Chipotle
Taco Bell
Panera
None of the Above
Burger King
Wendy's
Starbucks
Dunkin' Donuts
McDonald's
Visits During Past Month (Three Month Rolling Percentages): Northeast
1.3
6.0
6.4
10.2
10.4
12.4
12.4
13.1
14.9
17.6
18.1
22.7
23.3
25.2
26.2
46.7
0 10 20 30 40 50 60
Shake Shack
Jack in the Box
Denny's
Popeye's
Chipotle
Dunkin' Donuts
KFC
Panera
Pizza Hut
None of the Above
Sonic
Burger King
Starbucks
Taco Bell
Wendy's
McDonald's
Visits During Past Month (Three Month Rolling Percentages): South
1.6
2.3
4.9
5.5
6.9
10.9
13.0
13.7
15.5
17.5
17.6
22.5
22.9
25.4
27.6
51.4
0 10 20 30 40 50 60
Shake Shack
Jack in the Box
Denny's
Popeye's
Sonic
Dunkin' Donuts
KFC
Pizza Hut
Chipotle
None of the Above
Panera
Burger King
Starbucks
Wendy's
Taco Bell
McDonald's
Visits During Past Month (Three Month Rolling Percentages): Midwest
1
3.5
5.4
7.7
7.8
10.7
11.7
11.8
13.8
14.7
17.5
17.8
19.4
26.6
37.6
39.4
0 10 20 30 40 50 60
Shake Shack
Dunkin' Donuts
Popeye's
Panera
Sonic
Pizza Hut
Denny's
KFC
Chipotle
Wendy's
Burger King
Jack in the Box
None of the Above
Taco Bell
Starbucks
McDonald's
Visits During Past Month (Three Month Rolling Percentages): West
-35% -30% -25% -20% -15% -10% -5% 0% 5% 10% 15% 20% 25% 30% 35%
Dunkin Donuts
Panera
None of the above
Sonic
Denny's
McDonald's
Burger King
Taco Bell
Shake Shack
Wendy's
Pizza Hut
Chipotle
KFC
Starbucks
Popeye's
Month/Month Change in Traffic (%)
BESPOKE Market Intelligence
Restaurants MAY 2015
Return to Dashboard
Page 45
60.1
39.9
26.3
19.017.414.1
3.60
10
20
30
40
50
60
70
July Aug Sept Oct Nov Dec Mar Mar Apr Apr May
Have Visited in the past Month (%)Walmart
Target
DollarTreeNone ofthe aboveDollarGeneralFamilyDollarFiveBelow
41Proprietary Research / bespokeintel.com
36.5
23.1
66.2
17.9
31.7
4.0
15.7
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 < $50,000
Sept
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
47.5
16.8
62.3
12.3
28.7
5.2
14.7
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 $50,000-$99,999
Sept
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
52.9
7.0
52.0
6.9
16.6
3.2
17.3
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
Jan
Feb
Mar
Apr
May
52.6
4.2
32.3
5.7
11.5
2.6
31.3
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 $200,000+
Sept
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Dollar Stores / Big Box MAY 2015
Return to DashboardNext: ASPs
Page 46
11.00
12.00
17.00
20.00
50.00
50.00
10.00
15.00
12.00
19.00
45.00
50.00
0 10 20 30 40 50 60
Dollar Tree
Five Below
Dollar General
Family Dollar
Target
Walmart
Dollar Stores / Big Box: Median Spend Per Visit
May
Apr
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.
245
27
147
109
390
632
256
41
151
105
411
636
0 100 200 300 400 500 600 700
Dollar Tree
Five Below
Dollar General
Family Dollar
Target
Walmart
Dollar Stores / Big Box: Visits
May
Apr
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Dollar Stores / Big Box ASPs MAY 2015
Return to DashboardPrevious Page
Page 47
42
5.14.7
5.35.7
3.0
1.82.1
0
2
4
6
8
10
Sept Oct Nov Dec Jan Feb Mar Apr May
Have you taken a flight in the past month? (%)
American
United
Delta
Southwest
Jetblue
Spirit
Other
Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Airlines MAY 2015
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44Proprietary Research / bespokeintel.com
53.1
4.3
6.3
9.6
8.9
17.8
0 10 20 30 40 50 60
Other / NA
Trivago
Orbitz
Kayak
Priceline
Expedia
If Booking a Trip Today, Which Website Would You Go to First? (%)
May
Apr
Mar
80.6
1.6
4.6
4.9
5.0
8.8
0 10 20 30 40 50 60 70 80 90 100
Other / NA
Trivago
Kayak
Priceline
Orbitz
Expedia
Booked a Flight in Past Three Months (%)
May
Mar
Feb
81.0
2.5
2.9
4.5
5.6
8.4
0 10 20 30 40 50 60 70 80 90 100
Other / NA
Trivago
Kayak
Orbitz
Priceline
Expedia
Booked Hotel In Past Three Months (%)
May
Mar
Feb
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Online Travel Agencies MAY 2015
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Page 49
49Proprietary Research / bespokeintel.com
71.2
3.0
3.1
3.8
5.0
6.7
10.1
10.9
0 10 20 30 40 50 60 70 80
None
Cedar Point
Busch Gardens
Other
Seaworld
Universal Studios
Six Flags
Disney
Plans to Visit Theme Parks: Next Six Months
May
Mar
Feb
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Theme Parks MAY 2015
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Page 50
35.8
42.0
38.6
40.5
37.6
42.0
39.2
39.638.8
40.6
42.0
35
37
39
41
43
45
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Follows Stock Market on a Regular Basis (%)
1.6
11.2
46.3
33.0
4.4 3.6
0
10
20
30
40
50
VeryNegative
Negative Neutral Positive VeryPositive
N/A
Current View of Stock Market (%)
45
3.06 3.12 3.162.98
3.26 3.14 3.19 3.25 3.27 3.27 3.28
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Current View of the Stock Market (Tracker)
5 - Very Positive
4 - Positive
3 - Neutral
2 - Negative
1 - Very Negative
37.8
54.7
7.5
0
10
20
30
40
50
60
70
July Aug Sept Oct Nov Dec Mar Apr May
Fear That There Will be a Stock Market Crash in the Next Year (%)
Not at all concernedSomewhat concernedVery concerned
7.1
11.2 10.7
9.0 8.7
11.19.8
7.7
9.811.1
12.7
0
3
6
9
12
15
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Do You Currently Have Any Investments in Gold? (%)
Proprietary Research / bespokeintel.com
46.1 46.2
50.851.9
48.5 49.0
45.5
47.6
45.2
43.3
41.5
40
45
50
55
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Invests in Stocks, Bonds, Commodities, Real Estate, or Other Financial Products (%)
Proprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Investors Stock Market View MAY 2015
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Page 51
1.15.8
29.6
57.4
3.2 2.9
0
10
20
30
40
50
60
Muchlower
Lower Same Higher Muchhigher
N/A
Expecations for Interest Rates One Year from Now (%)
3.7
16.5
61.4
14.1
1.4 2.9
0
10
20
30
40
50
60
70
Much less Less Same More Much more N/A
Risk Currently Willing to Take Compared to One Year Ago (%)
Interest
46
3.54 3.57 3.58 3.45 3.56 3.50 3.51 3.56 3.61 3.52 3.57
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Expectations for Interest Rates One Year from Now
5 - Much Higher
4 - Higher
3 - Same
2 - Lower
1 - Much Lower
2.84 2.93 2.87 2.80 2.86 2.86 2.86 2.92 2.94 2.94 2.93
July Aug Sept Oct Nov Dec Jan Feb Mar Apr May
Risk Currently Willing to Take Compared to One Year Ago (Tracker, %)
5 - Much More
4 - More
3 - Same
2 - Less
1 - Much Less
Proprietary Research / bespokeintel.comProprietary Research / bespokeintel.com
BESPOKE Market Intelligence
Investors Interest Rates and Risk MAY 2015
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