Category Archives: Cash-Strapped Consumers

Inflation Rising While Wages Are Falling

Inflation Rising While Wages Are Falling

Inflation rising while hourly earnings have fallen in 5 of the past 6 months. The Fed will find it is under further pressure to hike and/or taper, which applies the brakes to any economic acceleration from tax cuts and more government spending.

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Our Scarce Resource theme once again drives food inflation 

Aside from uncovering data points that support our thematic perspective, we also like to connect the dots between our themes as well, given the potential for one theme to be a catalyst for the other. We’ve seen that in the past with droughts — a recurring aspect of our Scarce Resource theme  — and we […]

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Cash-strapped consumer want more digital coupons

In a recent Thematic Signal post, we shared that Apple (AAPL) is making in roads with Apple Pay as smartphones account for a growing percentage of digital commerce. We lamented on the lack of loyalty program support in Apple Pay, but it is becoming increasingly clear that shoppers want digital couponing. Currently there are third […]

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Bankrate findings raise questions on consumer spending

Normally here at Tematica we love to get new data, but time to time we get confirming data that puts a sour taste in our mouth. New findings from Bankrate offer support for our Cash-Strapped Consumer investing theme, and it ties with something we’ve been talking about on our Cocktail Investing podcast – rising consumer […]

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Rising consumer credit card debt to be a headwind to GDP in 2018

We are starting to get not only holiday sales results from the likes of Kohl’s (KSS) and others, but also December same-store-sales results from Tematica Investing Select List resident Costco Wholesale (COST) and its retail brethren. Thus far the results are positive and in some cases much better than expected, but when we see we […]

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Size Matters – When it Comes to Employment

Size Matters – When it Comes to Employment

I have written quite a few posts this week about our investing theme of the Cash-Strapped Consumer, sharing data that explains why so many are still struggling and how this economic pain point creates investing opportunities. Yesterday I showed how the growth in income since the financial crisis has been well below historical norms, which […]

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What could go wrong with consumer borrowings back to record levels and a Fed bent on boosting rates?

What could go wrong with consumer borrowings back to record levels and a Fed bent on boosting rates?

Coming out of the Great Recession, consumers scaled back spending to get their financial houses in order, and reduce their outstanding debt that was run up over the prior years. This was prompted in part by the shedding of jobs during the recession that put consumers in a financial bind, and it hit the economy in […]

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