February 9, 2019 · Financial Planners · (No comments)

Do It Yourself (DIY) Consumers in the U.S.


Sandip Paul

As the worst economic downturn in living memory stretches relentlessly into 2009, American consumers in every walk of life are searching for new ways to cope with their diminished financial circumstances and to empower themselves by taking more control of their lives in uncertain times. One increasingly popular survival strategy adopted by more and more American consumers is to take on routine chores and tackle major projects themselves rather than paying others to do them.

This completely new Packaged Facts report takes an in-depth look at the exploding population of do-it-yourselfers (DIYers) in remarkably diverse sectors of the economy, including home improvement, food gardening, financial services, automotive and beauty care. By drilling down into Experian Simmons National Consumer Study (NCS) data, the report highlights what makes DIY consumers tick and shows how they differ from their do-it-for me (DIFM) counterparts. The report reveals how the DIY movement is taking hold throughout the American economy, creating both challenges and opportunities for marketers in a wide range of industries.

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The report begins with an assessment of the trends shaping the DIY consumer movement and an evaluation of the opportunities created by the shift toward self-sufficiency on the part of American consumers. The next chapter provides an overview of the demographics of DIY consumers and an analysis of the size and projected growth of the DIY consumer population. The report continues with separate chapters on DIYers in five major areas: home improvement, food gardening, financial services, automotive and at-home beauty care. Each chapter includes a demographic profile of DIYers, highlights key DIY consumer attitudes, analyzes DIY consumer shopping behavior and assesses the importance of DIY consumers to marketers in each area.

About the Author

Dr. Robert Brown and Ms. Ruth Washton have written more than 30 Packaged Facts reports analyzing demographic trends and marketing strategies in key consumer segments. Topics have ranged from kids to mature consumers to multicultural groups such as Hispanics and African Americans. Dr. Brown and Ms. Washton have co- authored several Financial Times Business Reports on strategic business issues and have provided market and competitor intelligence studies for clients in a variety of industries. Dr. Brown has a B.S. from Georgetown University and a Ph.D. degree from The George Washington University. Ms. Washton has a B.A from Skidmore College and an M.A. from the State University of New York.

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March 29, 2018 · Financial Planners · (No comments)

By John Tracey

An individual usually resorts to loans and credit schemes, when he does not possess the required financial resources to meet the financial requirements in his life. However, although such loans help you out when you need them, if not repaid in time, the pile of debts could be too big a burden for any individual to bear. Non repayment or delayed payment of your loans could create a number of financial problems like giving the debtor a bad credit ranking and piling on the multiple debts on his shoulders. When the bad debts have accumulated to a substantial level, it may then become impossible for the debtor to repay the loans, without help from professionals. Also, a person with bad debt may find it difficult to get financial loans or assistance from other lenders in times of need, due to his adverse credit history. However, some lenders have realized this difficult situation for such category of borrowers with bad debts and hence, have introduced the specific category of bad debt personal loans, to help them meet all their financial requirements easily.

So, even if one suffers from a poor credit ranking and has a number of bad debts to his name, he can still reap the benefits of the bad debt personal loans, which may be used to meet any financial crisis in the borrower’s life. Such loans do not require any credit verification by the lender and can be used as a personal loan for any financial purpose as deemed fit by the borrower. The important criteria are to select a reliable lender, who can provide the most feasible solutions to bad debtors in the form of bad debt personal loans.

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Most of the lenders offering the bad debt personal loans have their own online website, which not only serves as the best source of information on these loans, but can be also used to apply for and get access to these loans. The online processing of the loan application, transaction and repayment, make the entire process of applying for and getting these loans, one of the most convenient and fast options for the borrower. Also, such loans can be procured on both the secured and unsecured formats and the rate of interest on the loans will also be determined according to the terms and nature of the loan selected.

As the bad debt personal loans are available through online processing, require no credit verification of the borrower and may not even require a security if selected with care, most bad debt borrowers find this to be the most feasible option for raising instant cash when the situation demands it. So, be it the repayment of your bad debts or improving your credit history, or perhaps an emergency financial payment like medical bills, the bad debt loans are the perfect answer to every emergency financial query of the borrower. Apply through online processing and get instant access to funds through the secure and convenient method of online processing from the comfort and security of your home or office.

About the Author: John Tracey understands the need for good quality loan advice and dealing with bad debt loan for a long time. To know more about bad debt loans, bad debt consolidation loans, bad debt personal loans and bad debt unsecured personal loan that best suits your needs visit




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February 16, 2018 · Financial Planners · (No comments)

By Amy Nut

We frequently hear about offshore bank accounts in the news or in the movies because those trying to hide money for criminal reasons usually utilize these accounts so that they are not caught up in their shenanigans. However, that is not all an offshore bank account is about. In fact, having an offshore bank account means saving tax dollars and some may have other reasons behind it. Just because someone has a bank account outside of the country doesn’t mean they are a robber or a member of the mob.

Nevertheless, there are some legal implications and some things that must be kept in mind. One of those things is the fact that it is not legal for a United States citizen to open an offshore bank account. Sure, you may be protecting your money from creditors or from high taxes, but you could get yourself into trouble. This is how some become convicted of tax evasion, but it is very possible that the long arm of the law will not reach your offshore account.

Another risk is the fact that your money doesn’t have the protection of the government. Your money is subject to the laws of the country that it is in. This means that a coup or some accounting scheme could occur that would cause you to lose all of your money. That is when you must ask yourself which country you want to open your offshore account in. Should you choose Switzerland, Bermuda, the Bahamas, or the Caymans? This can certainly be a difficult decision.

Best countries

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First of all, you don’t have to be wealthy to have an offshore bank account. Second of all, you do not have to be present to open it and you do not have to visit the bank at any time during the life of the account. For example:

– If you open an account in Switzerland, you can do it via e-mail or in person if you are in the country. Swiss bank accounts are quite secret and that is why so many choose them. They operate much like American banks and keep certain private matters such as divorce private. Switzerland does not change their laws under American pressure like some other countries do.

– Opening an offshore account in Bermuda doesn’t require you to be present at the bank. The account can actually be opened by mail, along with proof of identity. Many of their banks are known for serving clients all over the world and this has made offshore banking in Bermuda quite popular.

– The Bahamas are also known for their secrecy due to their privacy laws. This makes offshore banking in the Bahamas a huge business. They are also compliant with international laws with attractive incentives for their bankers.

– The Caymans are also one of the best because of the similarity to a U.S. bank account. Then there is the possibility of keeping your identity a secret. The Caymans do not encourage tax evasion, but they do not report deposits in the accounts or interest gained from those deposits.

Being safe

Offshore banks do not report your income to the IRS like U.S. banks do, so they use an honor system. This means that it is up to you to report your income, but changing laws and other factors can cause issues if you do not comply with the laws of your own country. However, offshore accounts keep matters private and keep others from learning of your affairs. That is why such accounts are so popular amongst people all over the world.

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