Category Archives: Cash-Strapped Consumers

US Housing market plauged by lack of housing supply and capable buyers as prices climb

US Housing market plauged by lack of housing supply and capable buyers as prices climb

Tematica’s Chief Macro Strategist Lenore Hawkins has been rather vocal on the two issues hitting the domestic housing market – a lack of supply and escalating prices that are shrinking the pool of potential buyers. While one would think homebuilders would respond with more affordable housing, they are also contending with increases to their own […]

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$1.5 trillion student loan debt, $1.1 trillion auto loan debt and ~$1 trillion in credit card debt -what could go wrong?

$1.5 trillion student loan debt, $1.1 trillion auto loan debt and ~$1 trillion in credit card debt -what could go wrong?

It’s that time again, an update on the degree of consumer borrowing as tallied by Federal Reserve data. For those of us that have been watching other consumer spending, debt and savings metrics, the results come  as little surprise and serve to confirm not only our Cash-strapped or Middle-Class Squeeze investing theme. The data also […]

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American brands are heading where the middle class is growing

American brands are heading where the middle class is growing

Plain and simple, we are seeing more American retail and brand companies from Starbucks to Walmart tie their growth prospects to the rising middle class in Asia, and China in particular. We here at Tematica are not surprised given prospects for discretionary spending to be had compared to here in the US where debt service […]

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De Beers – the latest company to pivot its business model due to thematic headwinds

De Beers – the latest company to pivot its business model due to thematic headwinds

De Beers is changing its tune on artificial or man-made diamonds. This is the latest company to pivot its business model in response to one of our investment themes, in this case it’s the Cash-strapped Consumer and the inability to pay the big bucks for actual diamonds as they contend with rising debt loads eating […]

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Surging private label credit card delinquencies are the latest warning sign for consumer spending

Surging private label credit card delinquencies are the latest warning sign for consumer spending

We continue to receive confirming signals for our Cash-strapped Consumer investing theme like the ones below contained inside a new report from Equifax. The report leads with the news that private label credit card delinquencies have been on the rise, hitting their highest level since 2011. Certainly not good thing on its own, but even […]

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Discounts & coupons are the primary driver behind growth in mobile app shopping

Discounts & coupons are the primary driver behind growth in mobile app shopping

A new report from App Annie confirms what we’ve already suspected when it comes to our Connected Socity – that consumers are increasingly using mobile apps to shop. Per the report, consumer spending has more than doubled, exceeding $86 billion in 2017, up more than 105% since 2015. Interestingly, while time spent in apps increased by […]

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40% of Americans can’t cover a $400 emergency expense; 25% have no retirement savings

40% of Americans can’t cover a $400 emergency expense; 25% have no retirement savings

We keep hearing the mainstream media talk about the improving economy and the falling employment rate, but beneath the headlines and talking heads, we’ve seen consumer debt continue to climb. Why? Because those who don’t have sufficient funds either have to borrow, the likely option, on in some cases sell something. This has increased borrowing […]

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