Sentences with phrase «consumers at all income levels»

Reward programs should be tailored to consumers at all income levels, he says.

Not exact matches

Their debt now is in excess of 160 % of disposable income, a level that suggests consumers will be more inclined to get right with their lenders than to continue spending at their post-crisis pace.

That holds true for consumers over 40 at all income levels.

However, at nearly 63 times current earnings - a whopping p / e ratio, to be sure - even if the firm were to grow its profit to the level of Berkshire - $ 8.5 billion - it would still lack the liquid assets and marketable securities the house that Warren Buffett built has, and it would not have a diversified income stream, making it far more vulnerable to changes in the competitive landscape; a major concern when you contemplate that Google operates in an industry where dramatic shifts consumer behavior can happen overnight.

I would argue that the mechanism that forced up the savings rates in the Soviet Union and other Warsaw Pact economies seems to have been the scarcity of consumer goods: income levels among workers were generally not too bad, but these workers could only convert income into consumption with great difficulty, if they got in the right line at the right store early enough.

Next we subtracted the average spending for someone at that income level, which includes things such as consumer spending, charitable giving and interest on debt.

Consumer confidence remains at historically high levels, household income growth remains robust and the level of household wealth relative to current incomes is still high, even given the recent developments in the share market.

European consumer confidence has held steady at high levels and retail sales growth has been solid, underpinned by improving employment and total income growth that reached a 3.7 % annual pace last month.

Among the evidence that would shift our expectations in this regard would be: material equity market deterioration, further weakness in regional Fed and purchasing managers indices, a slowing in real personal income, a spike in new claims for unemployment toward the 340,000 level, an abrupt drop in consumer confidence about 10 - 20 points below its 12 - month average, and at least some amount of slowing in employment growth and aggregate hours worked.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

At this point, the bank believes the disparity between house prices / consumer debt and household income growth will finally be reduced to less concerning levels.

Given our deep level of indebtedness — hey, our debt - to - income ratio is at a whopping 167 % — Canadian consumers can expect to feel some financial effects following an interest rate hike.

Hiring is on the rise, job openings are at a near record level, and spending on consumer services, such as recreation, is likely to strengthen as incomes rise.»

Kiplinger found that consumer confidence is gaining strongly, hiring is on the rise, job openings are at a near - record level, and spending on consumer services is likely to strengthen as incomes rise.

Researchers at MIT's Sloan School of Management recently analyzed over a decade's worth of credit card mailings collected between 1999 and 2011 by the market research company Mintel Comperemedia and found a significant association between consumers» income and education levels and the types of offers they received.

As a general trend, developing countries suffer more food losses during the production stages, while food waste at the retail and consumer level tends to be higher in middle and high - income regions.

At any age or income level, consumers are constantly looking for ways to save money.

Methodology: GOBankingRates surveyed all 50 states, analyzing eight data points that served as determining factors in the ranking: (1) median household income, sourced from the Census Bureau in 2015 dollars; (2) median home listing price as of June 2017, sourced from Zillow; (3) food spending, using the grocery index sourced from Missouri Economic Research and Information Center and multiplying it against the average amount spent on food from the BLS consumer spending survey from July 2015 - July 2016; (4) employee health insurance premium contribution, sourced from the Commonwealth Fund; (5) annual child care costs for an infant and a 4 - year - old, sourced from Child Care Aware of America; (6) whether the state offers paid time - off for family leave; (7) whether the state has expanded the earned - income Tax Credit at the state level; (8) whether the state expanded Medicaid coverage as part of the Affordable Care Act.