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​It has been stated, over and over, that in good times you prepare for war and in bad times you prepare for peace. Today, THIS IS NONSENSE!

May 30, 2023
​Attention All Retailers, Especially Those in The Furniture Industry.

Recently I did a marketing plan for a new client that wants to enter a specific retail category.
​
Doing my Due-Diligence, I was obligated to "show them the truth" as to what is happening on our economy, TODAY!

It has been stated, over and over, that in good times you prepare for war and in bad times you prepare for peace.

Today, THIS IS NONSENSE! And I’ll tell you why.

Our economy is a mess and the future is very bleak under this administration and its policies. There is no time to prepare for good times, it’s time to get defensive and prepare for war. Here’s why.

JUST THE FACTS

HEADWINDS WE MAY FACE
​

9,000,000 ADULTS are moving back home. I doubt they can afford furniture or most any retail expenditures other than bare necessities
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​PLUS

​The most troubling information in the GDP report is the precipitous drop in real disposable income, which fell over $1 trillion in 2022. For context, this is the second-largest percentage drop in real disposable income ever, behind only 1932, the worst year of the Great Depression.

https://www.shtfplan.com/headline-news/an-economic-sign-that-hasnt-happened-since-the-peak-of-the-great-depression-in-1932

PLUS
​

Forty-five million Americans have student loan debt — that's about one in 7 Americans (13.5%), according to an analysis of January 2022 census data. Those ages 25-to-34 are the most likely to hold student loan debt, but the greatest amount is owed by those 35 to 49 — more than $600 billion, federal data show. 
AND… that’s the furniture retailer's sweet spot for demographics.
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  • The outstanding federal loan balance is $1.635 trillion and accounts for 93.1% of all student loan debt.
  • 43.8 million borrowers have federal student loan debt.
  • The average federal student loan debt balance is $37,338 while the total average balance (including private loan debt) may be as high as $40,114.
​PLUS

The Evolving Banking Crisis For Small And Regional Banks

Small commercial banks accounted for 57.3% of the $2.752 trillion in mortgage loans and 45.2% of the $2.071 trillion in consumer loans in 2022, according to data from S&P Global Market Intelligence.
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​"There's likely to be less credit expansion as a result of this, banks are going to be a bit stingier, they'll want to see their loans-to-deposit ratio decline and have more cash on hand," Varvares said.

Credit tightening at US regional banks would limit Fed's historic rate push | S&P Global Market Intelligence (spglobal.com)

Where do small and mid-sized retailers get their credit lines from?

Where do 1st time home-buyers get their mortgages from?

AND….IT GETS WORSE.

2023 Credit Card Debt Statistics

Americans Have An Absolute Mountain Of Credit Card Debt — $986 Billion, To Be Exact.

Total Household Debt Charts Biggest Rise in 20 Years.

Total household debt increased by 8.5% in 2022 and now stands at a record $16.9 trillion. That’s $2.75 trillion higher than it was pre-pandemic.
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THE BREAKDOWN OF THE DEBT

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billnapier@napiermkt.com
​612.217.1297


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Contact Us
  • HOME
    • Home Furnishings "STUFF"
    • About Us
    • Commitment To Our Veterans
    • Free Marketing Analysis - No Strings-No Sales Pitch
  • Social Platforms
  • Technologies
  • Marketing Integration
    • Free Marketing Analysis - No Strings-No Sales Pitch
    • How Social Media is Changing Brand Building & Retail
    • Brick & Mortar Retail Touch Points Exposed
    • The Secret to a Good Mobile Website for Retailers
    • U.S. Newspaper Revenues Hit 50-Year Low in 2012
    • Future Retail Trends-2015
    • The Power Of Gen Y in Today’s And Tomorrow's Workplace [INFOGRAPHIC]
    • Brick And Mortar Retailers May Become Extinct If They Do Not Embrace The New Economy >
      • A Retailer's Guide to Webrooming
      • INFOGRAPHIC - Do men and women shop differently online?
    • How Big Is Amazon {INFOGRAPHIC}
    • Why retailers must excel in the 4 Cs instead of just the 4 Ps
    • E-tailers: Tips, Trends, and Reasons E-Commerce is About to Boom
    • Is Texting The New Marketing Engagement Frontier
    • Which Social Network's Users Make the Most Money? [INFOGRAPHIC]
    • 120 Awesome Marketing Charts, Graphs and Statistics
    • What It Costs A Business To Do Social Marketing
    • The NEW Retail Demographics
    • More Shoppers Reach for Mobile to Browse, Buy >
      • Online Reviews Influence Shoppers Most, but Print Catalogs Trump Social Networks
      • How Shoppers Use Smartphones to Save Money
      • Age, Gender Determine 'Go-To' Devices
  • MY RETAIL RANTS BLOG
  • CONTACT US
    • free marketing help desk