Semcasting's Affluence Indicators provide a 360-degree perspective of household affluence across the United States. The Affluence Indicators measure affluence from over a dozen vantage points, including important factors that impact wealth such as tax rates, local cost of living, household composition, and life stage. Measuring household income in the context of situational household influences can greatly improve a marketer's ability to identify candidates who have both the capacity to make a buying decision as well as determing their likelihood to purchase.
Business Owners at Home
- Empowers marketers to reach a select group of professionals at home where they are more inclined to review direct mail
- Identifies over 9 million business owners and self-employed professionals and links them to their home addresses and household demographics
Charitable Giving Rank
- Verifies the best prospective donors and provides insight on the relative amount they are likely to give
- Donors scoring in the top decline of Semcasting's rank donated 77% more than the average gift amount
Discretionary Income Index
- Resource-based index of household spending capacity rather than strictly a measure of available assets
- Compares earnings and equity to debt: looking at length of residence, age, presence and age of children, local tax rates, invested assets, home equity loans, projected savings, with indicators of cash flow and spending behavior
- Combines local-level models with household-level life stage data and the Premium Income Estimate to make our data more accurate than other available sources, which are mostly based on national credit usage
Equity Investor
- Ranks all households and their likelihood to be in the market for equity investments
- Utilizes the Home Value Estimate with coverage of over 90 million homes. The Home Equity LOC also considers length of residence, income, life stage and discretionary income in order to create a more accurate score for a broader range of home owners
- ITA compliant and does not use any restricted credit information. It is an ITA score for households that may be good candidates for a line of credit
Home Loan to Value
- Calculated from current market valuation data, the loan to value ratio measures available equity in the home as percent of current home value
Home Value Estimate
Enables marketers to target based on a household's property value
Contains 16 million more home value records than the other leading provider of home value data
IRA & 401K Investor
- Ranks all households and their likelihood to be in the market for IRA and or 401K investments
Invested Assets
- Considers income, house location, home value, cost of living and discretionary income
- Invested assets are determined by combining this information with longevity, household composition and lifestyle
Life Insurance Targeting Index
- Derived from over nine years of anonymous survey data collected by the Board of Governors of the Federal Reserve System
- Uses survey research data in combination with known life insurance holders and other demographic and behavioral data elements to create an index and score all the households in the U.S. for the likelihood to purchase a Whole Life or Term Life policy
Mutual Fund Investor
- Ranks all households and their likelihood to be in the market for mutual fund investments
Net Worth
- Determined from a large sample of households nationwide with known incomes, assets and discretionary spending; information is combined with other financial and life stage data to create a predictive model
- Assembled at a local level to factor in longevity, composition of the household and cost of living over time
Premium Income Estimate
- Constructed from hundreds of local-level predictive models from a large national distribution of self-reported and actual incomes
- Reflects local housing costs, cost of living, tax rates and other factors, and cover incomes up to $2 million per household
- Measures are 30% more accurate than equivalent modeled scores from other data providers. Households with earnings in excess of $150,000 are more accurate more than 60% of the time
Time Share Owners Propensity
- Ranks prospects for time share property owners based on known time share owners an over nine 9 years of survey data collected by the Board of Governors of the Federal Reserve System
Recession Sensitivity Ranking (RSR)
- Identifies households under most financial pressure in the current economy versus those that are least affected
Vacation Propensity Ownership
- Uses known owners of vacation property and time shares owners with over 9 years of survey data collected by the Board of Governors of the Federal Reserve System
- Identifies vacation locations, affluence metrics for owners and a number of other demographic and behavioral factors
- Validates and back tests against known vacation property and time share owners to isolate 55% of known vacation property owners within the top 25% of the scoring range
Vehicle Consideration Sets
- Projects a household's propensity to acquire a particular type of automobile
- Based on a large national sample of auto ownership information, incorporate affluence, cost of living, regional influences and household age and composition, among other factors
- Contains consideration sets that are available with 100% coverage for 21 different categories of automobile models
Vehicle Value Index
- Reflects a ranking of household's propensity to invest in an automobile and at what level on a scale of 1-10
- Integrated household incomes, home values, discretionary income and household composition into a predictive model that also includes a large national sample of auto ownership
Wealth ID
- Indexed ranking of household wealth
- Local incomes, household composition and cost of living are important factors in measuring wealth
