CODEBOOK FOR 1992 SCF ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Survey of Consumer Finances Board of Governors of the Federal Reserve System Mail Stop 153 Washington, DC 20551 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- To: Users of this tape From: Arthur Kennickell, SCF Project Director Date: September 20, 1999 Subject: Description of the Final Release of the 1992 SCF ----------------------------------------------------------------------------- This codebook serves as the authoritative guide to the variables included on the final public version of the 1992 SCF dataset. However, not every variable included in this codebook is actually in the public use dataset. Among other things, the dataset does NOT include most variables related to the sample design, details of geography, or the 3-digit industry and occupation codes. The authoritative list of the variables included is given at the end of this documentation. Please consult that list to determine whether a given variable is available to you. For a general overview of the findings of the 1992 SCF, see Arthur Kennickell and Martha Starr-McCluer, "Changes in Family Finances from 1989 to 1992: Evidence from the Survey of Consumer Finances," Federal Reserve Bulletin, October 1994. In addition to this file, the full public dataset consists of three other pieces. The main dataset, which contains most of the survey variables, is a 374 megabyte file (stored as a SAS transport file). A file of of 32 megabytes contains 999 replicate weights and multiplicity factors intended to be used for variance estimation. Other documentation is available from http://www.federalreserve.gov/pubs/oss/oss2/92/scf92home.html. The main data values are stored using variable names corresponding to the numbers given in the codebook below prefixed by an "X." We have tried, insofar as it was possible, to retain the variable numbering system used for the 1989 SCF. Each of these variables in the main dataset has a "shadow" variable that describes--in almost all cases--the original state of the variable (i.e., whether it was missing for some reason, a range response was given, etc.). An exception is reported values which have been imputed or otherwise altered to protect the privacy of respondents (see below). Such values are not flagged in any systematic way. Users who so desire may use the shadow variables to restore the data to something very close to their original condition. The shadow variables have the same numbers as the main variable, but have a prefix of "J." A list of the values taken by the shadow variables follows: ----------------------------------------------------------------------------- Definitions of the "J" Variables (1992 version) 0 = value reported on original tape (possibly altered during editing, but no evidence on problem sheets to this effect -- NOTE: problem sheet information is not comprehensive). 1 = question is inapplicable for R (e.g., R has no checking account so value of checking account is coded as zero -- NOTE: there are no zeros in the dataset other than such values). 2 = data moved from another location (not including re-arranging columns in a grid); data moved from another location and added to data already at new location (e.g., wage income from spouse reported in independent adult part of section Y added to data reported for R in Section T). 3 = data provided for a question with a branch structure, but not known which branch data should be in (e.g., AGI given, but filing status unknown). 4 = evidence that data imputed from marginal notes. 8 = recode of survey variables, no missing values in antecedents. 9 = recode of survey variables, insufficient data collected to compute value, not imputed. 10 = part of reported value reported elsewhere and edited out here (e.g., wage income of NPEU member also reported at X5701 along with income of PEU resulting in J5702=10) or entire reported value reported elsewhere and edited out here (e.g., all of wage income of NPEU member reported at X5701 resulting in X5701=5, J5701=10, X5702=0 and J5702=14). 12 = in case of regular installment loans where term is DK, non-missing typical payment moved to monthly payment section. 13 = coded value overridden after editing completed 14 = value set to inap given hard-code decision (12, 13 or 15) 15 = hard-coded imputation determined during cleaning. 16 = other reassignment resulting from cleaning that overrides reported data (e.g., the cleaning of the institutions grid in Section A). 17 = value of originally missing data item implied by other variable(s). 24 = Range Card response: A. $1 to $100 25 = Range Card response: B. $101 to $500 26 = Range Card response: C. $501 to $750 27 = Range Card response: D. $751 to $1,000 28 = Range Card response: E. $1,001 to $2,500 29 = Range Card response: F. $2,500 to $5,000 30 = Range Card response: G. $5,001 to $7,500 31 = Range Card response: H. $7,501 to $10,000 32 = Range Card response: I. $10,001 to $25,000 33 = Range Card response: J. $25,001 to $50,000 34 = Range Card response: K. $50,001 to $75,001 35 = Range Card response: L. $75,001 to $100,000 36 = Range Card response: M. $100,001 to $250,000 37 = Range Card response: N. $250,001 to $1,000,000 38 = Range Card response: O. $1,000,001 to $5,000,000 39 = Range Card response: P. $5,000,001 to $10,000,000 40 = Range Card response: Q. $10,000,001 to $25,000,000 41 = Range Card response: R. $25,000,001 to $50,000,000 42 = Range Card response: S. $50,000,001 to $100,000,000 43 = Range Card response: T. More than $100,000,000 44 = Range Card response < 0: A. -$1 to -$100 45 = Range Card response < 0: B. -$101 to -$500 46 = Range Card response < 0: C. -$501 to -$750 47 = Range Card response < 0: D. -$751 to -$1,000 48 = Range Card response < 0: E. -$1,001 to -$2,500 49 = Range Card response < 0: F. -$2,500 to -$5,000 50 = Range Card response < 0: G. -$5,001 to -$7,500 51 = Range Card response < 0: H. -$7,501 to -$10,000 52 = Range Card response < 0: I. -$10,001 to -$25,000 53 = Range Card response < 0: J. -$25,001 to -$50,000 54 = Range Card response < 0: K. -$50,001 to -$75,001 55 = Range Card response < 0: L. -$75,001 to -$100,000 56 = Range Card response < 0: M. -$100,001 to -$250,000 57 = Range Card response < 0: N. -$250,001 to -$1,000,000 58 = Range Card response < 0: O. -$1,000,001 to -$5,000,000 59 = Range Card response < 0: P. -$5,000,001 to -$10,000,000 60 = Range Card response < 0: Q. -$10,000,001 to -$25,000,000 61 = Range Card response < 0: R. -$25,000,001 to -$50,000,000 62 = Range Card response < 0: S. -$50,000,001 to -$100,000,000 63 = Range Card response < 0: T. Less than -$100,000,000 150 = original response was DK. 151 = original response was NA (includes refusals, interviewer errors, and missing data resulting from editing decisions). Does not include data missing as a result of missing higher-order questions. 152 = original response missing as a result of missing information for a higher-order question (typically a YES/NO cut question). In this case, the higher-order question has been imputed in such a way as to render response appropriate. 153 = refused 154 = some, DK how many (see B6). 160 = unresolved data problem (none should remain in final dataset). 179 = data missing because of questionnaire error, or data not collected 180 = recode variable, missing because data not collected for sub-group, data to be imputed. 181 = recode variable, some, but not all components originally missing. 182 = recode variable, all components originally missing. 188 = for property value, only assessed value given. 197 = override of reported information with (at least partially) imputed data (e.g., number/type of institution in Section A is overridden after imputation of institutions to account for new institutions). 198 = override of reported/inap. information (e.g., R says has 1 IRA, but 2 institution types reported; institution reference refers to Section A column, but column inap) -- value set to missing. 199 = used for absent spouse for J104 or J105 when X104 OR X105 < 0. General instructions for J variable coding for recoded variables: When a recoded variable is taken directly from another single X variable, it should have the same J variable code. When a recoded variable may come from a single variable in the original X variables, or as the result of a calculation based on some number of X variables, it is important to distinguish the information content in the J variables. When the value is taken directly, the J variable should have exactly the same value as that for the X variable's shadow J variable. When some calculation is involved, this should be reflected in the J variable -- codes 8, 181, and 182. When a recode cannot be computed because some part of the underlying information was not collected for some subset of cases, the recode's J variable should be coded 9 or 180. ----------------------------------------------------------------------------- The missing data in the survey have been imputed five times by drawing repeatedly from an estimate of the conditional distribution of the data. These imputations are stored in five replicates ("implicates") of each data record. Thus, the number of observations in the dataset (19,530) is five times the actual number of respondents (see below in the weight section of the codebook for a discussion of the use of these implicates). The imputation procedure is described in detail in "Imputation of the 1989 Survey of Consumer Finances: Multiple Imputation and Stochastic Relaxation", by Arthur Kennickell. For a general discussion of multiple imputation and its uses, see MULTIPLE IMPUTATION FOR NONRESONSE IN SURVEYS by Donald B. Rubin, John Wiley and Sons, 1987. The multiple imputations allow users to estimate the amount of uncertainty in estimates that is due to imputation. To do so, one could make a given estimate separately with each of the five implicates and compute the standard error of that estimate. For users who want to estimate only simple statistics such as means and medians ignoring imputation error, it will probably be sufficient to divide the weights by 5. Users who want to estimate more complex statistics, particularly regressions, should be cautious in their treatment of the implicates. Many regression packages will treat each of the five implicates as an independent observation and correspondingly inflate the reported significance of results. Users who want to calculate regression estimates, but who have no immediate use for proper significance tests, could either average the dependent and independent values across the implicates or multiply their standard errors by the square root of five. Users who use the SAS procedure PROC UNIVARIATE are warned that only the FREQ option will compute a weighted median--the WEIGHT option will not do so. Most of the data in the survey are for a subset of the household unit referred to as the "primary economic unit" (PEU). In brief, the PEU consists of an economically dominant single individual or couple (married or living as partners) in a household and all other individuals in the household who are financially dependent on that individual or couple. For example, in the case of a household composed of a married couple who own their home, a minor child, a dependent adult child, and a financially independent parent of one of the members of the couple, the PEU would be the couple and the two children. Summary information is collected at the end of the interview for all household members who are not included in the PEU. Throughout the codebook, we refer to the "head" of the household. The use of this term is euphemistic and merely reflects the systematic way in which the dataset is organized. The head is taken to be the single core individual in a PEU without a core couple. In a PEU with a central couple, the head is taken to be either the male in a mixed-sex couple or the older individual in the case of a same-sex couple. No judgment about the internal organization of the households is implied by this organization of the data. When the original respondent was someone other than the person determined to be the head in this sense, all data (including response codes) were systematically swapped with that person's spouse or partner. The variable X8000 indicates which cases have been subjected to such rearrangement. Because the SCF sample is not an equal-probability design, weights play a critical role in interpreting the survey data. The main dataset also contains the final nonresponse-adjusted sampling weights. These weights are intended to compensate for unequal probabilities of selection in the original design and for unit nonresponse (failure to obtain an interview). The weight (X42001) is a partially design-based weight constructed at the Federal Reserve using original selection probabilities and frame information along with aggregate control totals estimated from the Current Population Survey. The population defined by the weights for *each implicate* (see above) is 95.9 million households. This weight is a relatively minor revision of the consistent weight series (X42000) maintained for the SCFs beginning with 1989 (For a detailed discussion of these weights, see "Consistent Weight Design for the 1989, 1992, and 1995 SCFs and the Distribution of Wealth," by Arthur B. Kennickell and R. Louise Woodburn, Review of Income and Wealth, Series 45, Number 2, June 1999, pp. 193-215 or the longer version given on the SCF web site at http://www.federalreserve.gov/pubs/oss/oss2/method.html). The nature of the revisions to the consistent weights is described in "Revisions to the SCF Weighting Methodology: Accounting for Race/Ethnicity and Homeownership," by Arthur Kennickell (see SCF web site). A version of the revised weight has been computed for all the surveys beginning with 1989, and this variable has been added to the public versions of the SCF datasets. A file of associated replicate weights has also been added. Users should be aware that the sum of each of the weights over all sample cases and imputation replicates is equal to five times the number of households in the sample universe. The original weight first released with the 1992 data (X41000) follows the design of the consistent weights exactly. However, because there have been some minor changes in the data since the original release of the final data, the weights changed slightly when the consistent weights were reestimated as a group. The original weights are retained in the dataset for historical reasons. Although the weights should produce reliable results at the level of broad aggregates (e.g., net worth and income), it is important to remember that many of the variables collected in the SCF are highly skewed in their distribution and that many such variables will apply to only a relatively small fraction of the sample. In the SCF group at the Federal Reserve, we routinely review our calculations for the presence of overly-influential outliers, and robust techniques are applied when appropriate. We encourage other users to exercise similar care in analyzing the data. Because we are unable to give users any sample information about cases in the dataset, they will be unable on their own to compute reasonable estimates of the sampling variances of their estimates. To facilitate such estimation, we have included a file of replicate weights and multiplicity factors corresponding to X42001. Using detailed information about the original sample design, we selected 999 sample replicates from the final set of completed cases in a way intended to capture the important dimensions of sample variation (See Arthur Kennickell, Douglas McManus and Louise Woodburn, "Weighting design for the 1992 Survey of Consumer Finances" for details). For each survey case and each replicate, the file contains a weight and the number of times the case was selected in the replicate. We computed weights for each replicate using exactly the same procedures we used for the main weights. Replicate weights were computed only for the first implicate of each case. For most purposes, users will probably want to multiply the weight times the multiplicity: in all cases the sum of the weights times the multiplicities equals the total number of households. To estimate the sampling variance of the mean of family income, for example, a user would estimate the mean 999 times using the replicate weights and compute the standard error of that estimate. An estimate of the standard error due to these two sources is given by the square root of the sum of the estimated sampling variance and 6/5 times the imputation variance. The replicate weights associated with this release of the data were recomputed along with the main weight to ensure consistency with the 1989 and 1995 SCFs. The ordering of the variables in the codebook often differs from that in the original questionnaire. For example, all installment debt questions are in one place in the codebook, but were asked throughout the questionnaire. In some other cases, two sets of questions that requested the same information of different populations have been merged (e.g., lines of credit for homeowners and non-homeowners were originally asked separately, but have been merged in a single set of variables here). With the exception of a few variables (e.g., marital history, where the complex underlying questions have been recoded into a standard format), the original questions appear in the codebook with the appropriate variable numbers. Because question ordering is important in understanding the effective meaning of many questions, users of the data are encouraged to consult the copy of the questionnaire included here for a precise guide to where and how the underlying questions were asked. We have not made an effort to include summary variables (e.g., net worth) in the dataset. Although it is complicated to construct such variables, it is our belief that a substantial amount of judgment is involved in selecting which variables to include, and that analysts should make their own decisions. However, at the end of this file, we have included code to compute net worth according to our routine definitions. To protect the privacy of individual respondents, the data in this release have have been systematically altered by several means to minimize the possibility of identifying any survey respondent. For some discrete variables, small or unusual cells were collapsed as noted in the variable descriptions below. Continuous variables were rounded. Data were also blurred by other unspecified means. In addition, a number of other cases were identified for more extensive treatment. Some of these cases were selected on the basis of extreme or unusual data values. Other cases were selected at random. For each of these cases, a selection of critical variables was set to missing and statistically imputed subject to constraints designed to ensure that any distortions induced in key population statistics would be minimal. The geographic identifiers included here have been systematically altered for a subset of respondents by swapping their locations with those of otherwise similar respondents. It is important to note that aside from the cell collapsing, there is no key in this codebook or in the dataset that would allow users to identify directly either which data items have been smoothed or otherwise altered, or which cases were selected for imputation of critical values (that is, the shadow variables in this dataset may not always reflect the true original status of every variable). Although this blurring of the data will have some effect on analysis, that effect should be negligible in almost every case. For further details on the procedures taken to protect the identity of respondents, see "Disclosure review and its implications for the 1992 Survey of Consumer Finances", Gerhard Fries Barry Johnson and R. Louise Woodburn. Users who feel that the restrictions imposed on the public dataset are too constricting are encouraged to submit written proposals for expanded data release, and those requests will be given serious consideration in the release of data from future surveys. Under the original numbering system (XX1), the sample design is apparent from the identification numbers. Thus, each case included in the public version of the dataset has been given an identification number (YY1), which is intended to mask the knowledge of which cases were drawn from the SCF list sample. It is not possible to know with certainty from the information provided in the public version of this dataset which cases derive from the list sample. Because we routinely use the original numbers internally, users who direct questions to us about specific cases might want to be sure to emphasize that they are using the external ID number to avoid confusion. We have spent many hours searching for errors in the data. Many seeming inconsistencies are actually in the raw data and appear to have no obvious reconciliation (most prominently the fact that X5729-- total income--is not always equal to the sum of the income components). Other types of inconsistencies may have been induced as a byproduct of imputation, even though elaborate checks are built into the imputation routines. We ask our colleagues who use this dataset to help us find the remaining resolvable inconsistencies. Our presumptions is always that the respondent understood each question and reported accurately, and that the process of transcription and coding did not distort that information. In the relatively small number of cases where other information led us beyond a reasonable doubt of the validity of the data, we have changed data, either by altering that value directly or by setting it to missing and imputing it. It is likely that some users will have trouble understanding the organization of the data at first. If after having framed a focused question and exhausted all of your local resources your problem persists, you may call Gerhard Fries at ((202) 452-2578 or e-mail m1gxf00@frb.gov) or me ((202)-452-2247 or e-mail m1abk00@frb.gov)). We prefer correspondence via e-mail. While we would like to be helpful to you, please realize that we have very limited resources to devote to user services. We hope that by persistence, you will almost always be able to figure out what you need by consulting the questionnaire and the codebook below. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- LIST OF VARIABLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- IMPORTANT NOTE: not all variables listed below appear in the public use dataset -- see list of included variables near the end of this file. ***************************************************************************** SAS CODE for rounding of dollar amounts * rounding dollar amounts; ARRAY AMT {*} X412-X414 X420 X421 X423 X424 X426 X427 X429 X430 X505 X510 X513 X518 X521 X526 X602 X604 X607 X612 X614 X617 X619 X623 X627 X631 X635 X703 X708 X716 X717 X721 X804 X805 X808 X812 X813 X904 X905 X908 X912 X913 X1004 X1005 X1008 X1012 X1013 X1035 X1039 X1040 X1044 X1104 X1108 X1109 X1115 X1119 X1120 X1126 X1130 X1131 X1136 X1202 X1206 X1210 X1211 X1215 X1219 X1220 X1224 X1405 X1408-X1410 X1415 X1417 X1505 X1508-X1510 X1515 X1517 X1605 X1608-X1610 X1615 X1617 X1619 X1621 X1706 X1709 X1714 X1715 X1718 X1722 X1723 X1730 X1806 X1809 X1814 X1815 X1818 X1822 X1823 X1830 X1906 X1909 X1914 X1915 X1918 X1922 X1923 X1930 X2002 X2003 X2006 X2007 X2010 X2012 X2013 X2016 X2017 X2020 X2105 X2112 X2117 X2209 X2213 X2214 X2218 X2309 X2313 X2314 X2318 X2409 X2413 X2414 X2418 X2422 X2424 X2425 X2506 X2510 X2514 X2515 X2519 X2606 X2610 X2614 X2615 X2619 X2623 X2625 X2626 X2714 X2718 X2719 X2723 X2731 X2735 X2736 X2740 X2814 X2818 X2819 X2823 X2831 X2835 X2836 X2840 X2914 X2918 X2919 X2923 X2931 X2935 X2936 X2940 X3121 X3124 X3126 X3129-X3132 X3221 X3224 X3226 X3229-X3232 X3321 X3324 X3326 X3329-X3332 X3335-X3337 X3408-X3410 X3412-X3414 X3416-X3418 X3420-X3422 X3424-X3426 X3428-X3430 X3506 X3510 X3514 X3518 X3522 X3526 X3529 X3610 X3620 X3630 X3706 X3711 X3716 X3718 X3721 X3804 X3807 X3810 X3813 X3816 X3818 X3822 X3824 X3826 X3828 X3830 X3833 X3835 X3902 X3906 X3908 X3910 X3915 X3918 X3920 X3922 X3930 X3932 X3939 X3942 X4003 X4005 X4006 X4010 X4011 X4014 X4018 X4022 X4026 X4030 X4032 X4112 X4131 X4204 X4207 X4210 X4214 X4220 X4224 X4226 X4229 X4304 X4307 X4310 X4314 X4320 X4324 X4326 X4329 X4404 X4407 X4410 X4414 X4420 X4424 X4426 X4429 X4436 X4509 X4520 X4532 X4540 X4605 X4613 X5306 X5311 X5318 X5326 X5334 X5418 X5426 X5434 X5504 X5507 X5510 X5513 X5516 X5604 X5608 X5612 X5616 X5620 X5624 X5628 X5632 X5636 X5640 X5644 X5648 X5702 X5704 X5706 X5708 X5710 X5712 X5714 X5716 X5718 X5720 X5722 X5724 X5726 X5729 X5732 X5734 X5751 X5804 X5809 X5814 X5818 X5821 X5823 X5926 X5928 X6403 X6415 X6418 X6421 X6432 X6436 X6437 X6439 X4712 X4731 X4804 X4807 X4810 X4814 X4820 X4824 X4826 X4829 X4904 X4907 X4910 X4914 X4920 X4924 X4926 X4929 X5004 X5007 X5010 X5014 X5020 X5024 X5026 X5029 X5036 X5109 X5120 X5132 X5140 X5205 X5213 X8163 X8164 X8166 X8167 X8168 X7575 X7805 X7828 X7851 X7815 X7838 X7861 X7817 X7840 X7863 X7824 X7847 X7870 X7905 X7928 X7951 X7915 X7938 X7961 X7917 X7940 X7963 X7924 X7947 X7970 X7633-X7639 X7641 X7651 X7652 X7666 X7697-X7699 X7724-X7726; DO I = 1 TO DIM(AMT); IF (0 < AMT{I} < 5) THEN AMT{I}=1; IF (5 <= AMT{I} < 1000) THEN DO; AMT{I}=MAX(1,ROUND(AMT{I},10)); END; IF (1000 <= AMT{I} < 10000) THEN DO; AMT{I}=ROUND(AMT{I},100); END; IF (10000 <= AMT{I} < 1000000) THEN DO; AMT{I}=ROUND(AMT{I},1000); END; IF (1000000 <= AMT{I}) THEN DO; AMT{I}=ROUND(AMT{I},10000); END; IF (-1000 <= AMT{I} < - 5) THEN DO; AMT{I}=ROUND(AMT{I},10); END; IF (-10000 <= AMT{I} < -1000) THEN DO; AMT{I}=ROUND(AMT{I},100); END; IF (-1000000 < AMT{I} < -10000) THEN DO; AMT{I}=ROUND(AMT{I},1000); END; IF .Z < AMT{I} <= -1000000 THEN AMT{I}=-1000000; END; An important exception to this rounding rule is amounts that were reported in an hourly frequency (e.g., X4112). If the hourly amount is greater than $25, then the above rounding rule applies. Otherwise, the amount is rounded to the nearest $.10. ***************************************************************************** !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ----------------------------------------------------------------------------- MISC. CONTROL FILE DATA AND WEIGHTS ----------------------------------------------------------------------------- YY1 Case ID for external users Y1 Equivalent for X1 for external users XX1 Internal case ID (4-digit) -- identical for all imputation replicates X1 Internal replicate ID number -- XX1*10 + imputation replicate number (1-5) 7591 Interviewer ID No. (4-digit) (entered from cover of quex) .N NA 2 Interviewer ID No. from SMS (more reliable than X7591) 30500 External ID number for interviewers created by assigning a random number to take the place of the original ID (created from X2). 30501 Field manager ID number from SMS 30502 External ID number for field managers created by assigning a random number to take the place of the original ID (created from X30501). 4 Day case logged in. 1-31 3 Month case logged in. 1. January (reinterviewed cases) 6. June 7. July 8. August 9. September 10. October 11. November 12. December (reinterviewed cases) 8095 Year case logged in 1992. 1993. 9 List sample indicator. 1. List sample case 0. Not list sample case ----------------------------------------------------------------------------- 30001 PSU number SELF-REPRESENTING PSU 301 New York, NY 302 Los Angeles, CA 303 Chicago, IL 304 Philadelphia, PA 305 Detroit, MI 306 San Francisco, CA 307 Washington, DC 308 Dallas-Ft. Worth, TX 309 Houston, TX 310 Boston, MA 311 Nassau-Suffolk, NY 312 St. Louis, MO 313 Pittsburgh, PA 314 Baltimore, MD 315 Minneapolis, MN 316 Atlanta, GA NONSELF-REPRESENTING PSU, SMSA 317 Buffalo, NY 318 Newark, NJ 319 Albany, NY 320 Providence, RI 321 New Haven, CT 322 Harrisburg, PA 323 Atlantic City, NJ 324 Manchester, NH 325 Cleveland, OH 326 Milwaukee, WI 327 Dayton, OH 328 Kansas City, MO 329 Des Moines, IA 330 Columbus, OH 331 Grand Rapids, MI 332 Fort Wayne, IN 333 Steubenville, OH 334 Saginaw, MI 335 Madison, WI 336 Birmingham, AL 337 Charleston, SC 338 Jackson, MS 339 Columbus, GA 340 Miami, FL 341 Tampa, FL 342 Jacksonville, FL 343 Lakeland, FL 344 McAllen, TX 345 Waco, TX 346 Johnson City, TN 347 Wheeling, WV 348 Oklahoma City, OK 349 Knoxville, TN 350 Richmond, VA 351 Charlotte, NC 352 San Diego, CA 353 Seattle, WA 354 Portland, OR 355 Denver, CO 356 Anaheim, CA 357 Riverside, CA 358 Fresno, CA 359 Eugene, OR 360 Phoenix, AZ 361 Provo, UT NONSELF-REPRESENTING PSU, NON-SMSA 362 Lawrence Co., PA 363 Schuyler Co., NY 364 Gardner, MA 365 Sanilac, MI 366 Starke, IN 367 Ramsey, ND 368 Phillips Co., KS 369 La Salle, IL 370 Mower, MN 371 Cape Girardeau, MO 372 Crenshaw, AL 373 Bulloch, GA 374 Vernon Pr., LA 375 Citrus Co., FL 376 Hale Co., TX 377 Monroe Co., AR 378 Bedford Co., TN 379 Nicholas Co., KY 380 Montgomery Co., VA 381 Robeson Co., NC 382 El Dorado, CA 383 Alamosa, CO 384 Carbon Co., WY 30002 Number of cases in PSU. 0. Inap. (not an area-probability sample case) 30003 Number of ineligible cases in PSU. 0. Inap. (not an area-probability sample case) 30004 Number of completed cases in PSU. 0. Inap. (not an area-probability sample case) 30005 Design-based nonresponse-adjusted area-probability weight. Where "wi" is the inverse of the original probablity of selection for case i, this weight is given by wi * (X30002-X30003)/X30004. Implicit in this calculation is the assumptions that nonresponse is uniform at the PSU level. 0. Inap. (not an area-probability sample case) 30006 Sample disposition code. COMPLETED CASES 61 Completed case (in-person) 62 Completed case (telephone) 65 Converted case (in-person) 66 Converted case (telephone) 60 Partial complete (partial interview accepted as complete) NIRS (non-interview reports) LIST SAMPLE ONLY 80 Refusal - postcard returned 81 R deceased 82 Unable to locate 83 Unavailable during field period 84 R moved out of range 85 Refusal by gatekeeper 86 R institutionalized AREA PROBABILITY ONLY 71 Vacant HU 72 Not an HU 73 Seasonal vacant 74 No contact 75 Vacant trailer space 76 Sample incorrect 77 No eligible respondent BOTH LIST AND AP SAMPLES 90 Language barrier 91 Refusal/breakoff - no reason 92 Refusal/breakoff - too long 93 Refusal/breakoff - too invasive/personal 94 Refusal/breakoff - gov't involvement 95 Other 30007 Seqid for the 1990 SOI file. ONLY AVAILABLE IN LOCKED LINK FILE NOT TO BE INCLUDED ON ANY ROUTINE USE FILE! 0. Inap. (not a list sample case) 30008 List sample design weight. 0. Inap. (not a list sample case) 30009 List sample wealth-index stratum number. 0. Inap. (not a list sample case) 30010 Design-based nonresponse adjustment for list sample (SWE(STRATUM)/SWC(STRATUM)). 0. Inap. (not a list sample case) 30011 Design-based nonresponse-adjusted list weight (X30008 * X30009). 0. Inap. (not a list sample case) 30029 List design weights post-stratified to stratum counts and to geographic totals computed from the entire SOI file. 0. Inap. (not a list sample case) 30016 Number of sample cases in list stratum. 0. Inap. (not a list sample case) 30017 Number of ineligible list sample cases in stratum. 0. Inap. (not a list sample case) 30018 Number of completed list sample cases in stratum. 0. Inap. (not a list sample case) 30019 Weighted (using original unadjusted design weight) number of eligible cases in stratum. 0. Inap. (not a list sample case) 30020 Weighted (using original unadjusted design weight) number of completed cases in stratum. 0. Inap. (not a list sample case) 30027 Weighted (using original unadjusted design weight) number of inelligible cases in stratum. 0. Inap. (not a list sample case) 30023 List sample financial income post-stratum, defined in terms of all interest income reported on page 1 of IRS Form 1040. 0. Inap. (not a list sample case) 30024 Divorce-adjusted wealth index stratum. When joint filers had divorced since the sample was drawn, the original wealth index was divided in half and the stratum number was recomputed using the original classes. 0. Inap. (not a list sample case) 30012 Number of area-probability sample cases in PSU. 0. Inap. (not an area-probability sample case) 30013 Number of eligible area-probability sample cases in PSU. 0. Inap. (not an area-probability sample case) 30014 Number of completed area-probability sample cases in PSU. 0. Inap. (not an area-probability sample case) 30015 Unadjusted area probability sample design weight 0. Inap. (not an area-probability sample case) 30021 Area probability segment number 0. Inap. (not an area-probability sample case) 30025 Paired PSUs (segments for self-representing PSUs) for variance estimation. 1-32: pairs constructed from segements in self-representing PSUs 33-100: paired non-self-representing PSUs 0. Inap. (not an area-probability sample case) 30022 Census region 1. Northeast 2. North central 3. South 4. West 30074 9-level Census Division Code 1. Northeast: New England Division (CT, ME, MA, NH, RI, VT) 2. Northeast: Middle Atlantic Division (NY, NJ, PA) 3. South: South Atlantic Division: (DE, DC, FL, GA, MD, NC SC, VA, WV) 4. South: East South Central Division: (AL, KY, MS, TN) 5. South: West South Central Division: (AR, LA, OK TX) 6. Midwest: East North Central Division (IL, IN, MI OH WI) 7. Midwest: West North Central Division (IA, KS, MN, MO, NE, ND, SD) 8. West: Mountain Division (AZ, CO, ID, MT, NV, UT, WY, NM) 9. West: Pacific Division (AK, CA, HI, OR, WA) 30026 Reinterview status for cases with ineligible data. 1. Successfully reinterviewed 5. Unsuccessfully reinterviewed, data deleted 3. Unsuccessfully reinterviewed, data never entered 0. Inap. (not reinterviewed) 30028 Case critical item check indicator 3 = critical item check run on both programs and no missing critical items found, 2 = critical item check run and at least 1 critical item in Program 1 or Program 2 was missing, 1 = critical item checks were not run (or rerun) or there is some reason why the critical item flag was missing (these would include the re-fielded cases and other cases which were re-entered after the initial critical item check was run). 30030 State where PSU is located Standard two-character code ----------------------------------------------------------------------------- WEIGHTS XWGT Post-stratification analysis weight as of 9/30/93 (the first public release of the data). WARNING! Because the weight is partially data-based (see Kennickell, McManus and Woodburn) and the final imputations here differ from the intitial values in the first public release, this weight is NOT compatible with the final version of the data. It is included here only for historical purposes. X41000 Version of X42000 that was included in the first release of the final SCF 92 data. This variable is included only for historical reasons. X42000 Original Kennickell-Woodburn consistent weight. X42001 Revised Kennickell-Woodburn consistent weight: accounts for systemative deviations from CPS estimates of homeownership by racial/ethnic groups. This weight should be used for all estimations using the final 1992 SCF data for which weights are appropriate. ----------------------------------------------------------------------------- REPLICATE WEIGHTS AND MULTIPLICITY FACTORS ----------------------------------------------------------------------------- As noted in the introduction, there is one additional data file which contains replicate weights and multiplicity factors to be used in estimating sampling variances. The file corresponds to the main weight X42001. The replicate weights are of the form WT1Bi, where i=1,...999 The multiplicity factors are of the form MMi, where i=1,...999 Replicate weights with a given index correspond to multiplicity factors with the same index. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- HOUSEHOLD LISTING ----------------------------------------------------------------------------- 8000 Respondent and spouse/partner variables reversed to male/oldermale/older female and spouse/partner in all subsequent occurences in dataset (data rearranged except when male not living at sampled address). Also, all response categories altered to reflect this change. 1. Reversed 5. Not reversed 13 Respondent: Age computed from date of birth 18 Spouse: Age computed from date of birth Code age .N NA 14 Respondent: "Imputed age" 19 Spouse: "Imputed age" (IF HHL AGE=COMPUTED AGE, THE IMPUTED AGE=SAME. IF HHL AGE=COMPUTED AGE +/- 2 YEARS, THEN IMPUTED AGE= COMPUTED AGE (I.E., BASED ON DATE OF BIRTH). IN ALL OTHER CASES, COMPUTED AGE DERIVED FROM BEST INFORMATION AVAILABLE IN THE IW.) (IMPUTED AGE WAS USED IN CONVERSIONS OR CALCULATIONS INVOLVING AGE OF R/S.) Code age For the public use tape, this age variable is top-coded at 95. 100 Indicator for inclusion of income, debt, assets, etc. of an absent spouse in the interview. 1. Included in Iw 5. Not included in Iw 0. Inap. (No absent spouse) 101 Number of people in the household according to the HHL. Code total # of persons in HHL 8020(#1) Before we start the interview, I need to (re-)list the people who 102(#2) live here and obtain some basic information about each one. Let's 108(#3) start with you--how old are you? 114(#4) 120(#5) HHL-A. Relationship to Respondent 126(#6) 132(#7) If a spouse or partner 202(#8) 1. RESPONDENT is present in HH, he/ 208(#9) 2. Spouse of Respondent she must be coded as 214(#10 3. "Partner" of Respondent person #2. 220(#11) 4. Child (incl. in-laws) 226(#12) 13. Child of Partner Child (04) here 5. Grandchild includes step and 6. Parent (incl. in-laws) adopted children 7. Grandparent (incl. in-laws) and child's spouse. 8. Aunt/uncle Code foster child 9. Cousin in 36. 10. Niece/nephew 11. Sister/brother (incl. in-laws) 12. Great grandchild 29. Other relative 31. Roommate 32. "Friend" (exc. 3) 33. Relative of Partner (except Child, code 13) 34. Boarder or roomer/lodger 35. Paid help (maid, etc.) 36. Foster child 39. Other unrelated person 45. Absent spouse 0. Inap. (No further persons) 8021(#1) HHL-B. SEX 103(#2) 109(#3) 1. Male 115(#4) 2. Female 121(#5) 0. Inap. (No further persons) 127(#6) 133(#7) 203(#8) 209(#9) 215(#10) 221(#11) 227(#12) 8022(#1) HHL-C. AGE 104(#2) 110(#3) Code AGE 116(#4) 122(#5) -1. Less than one year 128(#6) 0. Inap. (No further persons) 134(#7) For the public use tape, the first age variable is top-coded at 95. 204(#8) 210(#9) 216(#10) 222(#11) 228(#12) HHL1. (ASK OF ALL PERSONS 18 AND OLDER, EXCEPT SPOUSE) (Are you/Is [RELATIONSHIP] currently married or living with a partner, separated, divorced, widowed, or (have you/has [he/she]) never been married? (RECORD IN COL. D. ABOVE.) 8023(#1) HHL-D. MARITAL STATUS 105(#2) 111(#3) 1. (M) Married 117(#4) 2. (P) Living with a partner If Person is 17 or 123(#5) 3. (S) Separated less, assume marital 129(#6) 4. (D) Divorced status=6, do not code 135(#7) 5. (W) Widowed NA for persons 0-17. 205(#8) 6. (NM) Never married 211(#9) 7. Married but spouse in institution (nursing home/jail) 217(#10) or outside U.S. (not available to be sampled 223(#11) elsewhere) (X8023 only) 229(#12) 8. Married but spouse not current resident of HU or in institution (eligible for sampling at another residence) (X8023 only) 12. Corresponds to 7 for spouse field (X105 only) 13. Corresponds to 8 for spouse field (X105 only) 0. Inap. (No further persons; person under 18) NOTE: in some cases, interviewers asked this question of people who were aged less than 18. These cases were reviewed, and all responses were set to zero except for a few cases where the person might plausibly be married. However, it is important to note that because this question was not asked of everyone under 18, this set of married people under 18 is not indicative of the true number of such individuals. For the public use tape, responses of 7, 8, 12, and 13 are set to 1. HHL2. (ASK FOR ALL PERSONS 18 YEARS AND OLDER, EXCEPT RESPONDENT AND SPOUSE) Does (he/she) usually live here? (RECORD IN COL. E. ABOVE.) 8024(#1) HHL-E. USUALLY LIVES HERE? 106(#2) 112(#3) 1. YES (incl. R and Spouse/Partner) 118(#4) 2. Child (17 and under) living in HU for part of each 124(#5) year 130(#6) 5. NO 136(#7) 0. Inap. (No further persons; person under 18) 206(#8) NOTE: in some cases, interviewers asked this 212(#9) question of people who were aged less than 18. 218(#10) It is important to note that because this question 224(#11) was not asked of everyone under 18, this 230(#12) distinction does not necessarily relect the true distribution of the population. HHL3. INTERVIEWER. IS AT LEAST ONE (1) HOUSEHOLD MEMBER 18 YEARS OR OLDER -- OTHER THAN R/SPOUSE HHL4. (ASK ABOUT ALL [related] ADULTS 18 YEARS AND OLDER EXCEPT RESPONDENT AND SPOUSE) Does (RELATIONSHIP) depend on you (and your [husband/wife/partner]) for most of (his/her) support or is (he/she) financially independent for the most part? (RECORD IN COL. F. ABOVE.) 8098(#1) HHL-F. 107(#2) 113(#3) 1. FINANCIALLY DEPENDENT 119(#4) 5. FINANCIALLY INDEPENDENT 125(#5) 12. Absent spouse 131(#6) 0. Inap. (No further persons; person under 18) 137(#7) NOTE: in some cases, interviewers asked this 207(#8) question of people who were aged less than 18. 213(#9) However, it is important to note that because this 219(#10) question was not asked of everyone under 18, this 225(#11) distinction does not necessarily reflect the true 231(#12) distribution of the population. ----------------------------------------------------------------------------- FINANCIAL INSTITUTIONS ----------------------------------------------------------------------------- 305 A5. The next few questions are about the financial institutions that you do business with. With how many financial institutions do you (and your family living here) currently have accounts or loans, or regularly do personal financial business? Include banks, savings and loans, credit unions, brokerages, loan companies, and so forth, but not institutions where you have only credit cards or business accounts. (This variable retains the original value reported by the respondent (contrast 8300 below) except when the original value of this variable was missing.) Code NUMBER -1. NONE .S. SOME, EXACT NUMBER UNKNOWN 8300 R. Inferred number of institutions. When institutions were reported (or in some cases, imputed) after the institution data were collected, except in the case of bank-type credit cards the interviewers were instructed to go back and fill in this information for each new institution. This procedure worked imperfectly. This variable takes X305 as its base and adds additional institutions whenever a commercial bank, savings and loan, credit union, or brokerage was reported without a link to the institution data. Where more there are than the 6 institutions on which detailed information was collected, the total number of institutions was augmented as appropriate. In cases where any of the first six institutions have been inferred, the detailed information (location and how R does business) has been imputed. Code NUMBER -1. NONE 306 A5.10 Do you (or your family living here) have a card that allows you to deposit or withdraw money from (this/these institutions) using a cash machine? 1. YES 5. NO 0. Inap. (No institutions listed, no further institutions) 307 A5.11 # OF INSTITUTIONS (FROM A5) Code NUMBER 0. Inap. (No institutions listed) 308(#1) A6. (SHOW CARD 1). (About Institution #[1/2/3/4/5/6]), 312(#2) what kind of institution is this? (Is it a 316(#3) commercial bank, a savings and loan or savings 320(#4) bank, a credit union, a finance or 324(#5) loan company, a brokerage, or what?) 328(#6) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No institutions listed, no further institutions) FINANCIAL INSTITUTIONS MASTER REFERENCE LIST 1. Institution #1 from Card A 2. Institution #2 from Card A 3. Institution #3 from Card A 4. Institution #4 from Card A 5. Institution #5 from Card A 6. Institution #6 from Card A 11. Commercial bank; "trust company" 12. Savings & loan association or savings bank 13. Credit union 14. Finance or loan company 15. Store or dealer 16. Brokerage company; "mutual fund"--NFS 17. Insurance company 18. Mortgage company 19. Contractor or developer 20. Prior owner 21. Automobile finance company; GMAC; Ford CDT 22. Doctor or hospital; dentist 23. Lawyer 24. Accountant 25. Employer 26. Friend or relative (not codeable above) 27. Individual lender/advisor (not codeable above) 28. Pension administrator 31. Real estate (investment) company 32. School/college/university 33. Local/county/state government (exc. 42) 34. Special federal government agency: FMHA; SBA; VA; FHA; HUD; NDSL 35. Federal government general or NA agency; IRS 37. Self/spouse (manages own trust) 38. Bank or general purpose credit card company: VISA; Carte Blanche; MasterCard (except American Express, code 51) 39. Union 40. Church 41. AARP (American Association of Retired Persons) 42. Courts 50. (Sears)/Discover Card (V415-418 only) (Code "Sears" mention in 15) 51. American Express/Optima Card 52. AT&T Card 61. Other membership organization: AAA; NEA; NTA (V415-418 only) 62. Tribal and similar organizations 75. Foreign institution type 92. Money market (mutual) funds, NFS 93. Farm related lenders, not codeable above or NA if membership group or government agency 94. Investment/management companies or consultants--NEC 95. Non-financial institution (exc. 40-42, 61) -1. Combinations of types of financial institutions -7. OTHER 309(#1) A7. How (do you/does your family) mainly do business with 313(#2) this institution (--by cash machine, in person, by 317(#3) mail, by phone, or some other way)? (NOT ASKED IF 321(#4) NON-FINANCIAL INST.) 325(#5) 329(#6) 1. BY ATM 2. IN PERSON--R or R's messenger If adjacent boxes 3. BY MAIL checked, code 4. BY PHONE smallest number. 5. Payroll deduction; direct deposit 6. DON'T DO REG. BUSINESS -7. OTHER 9. ELECTRONIC TRANSFER 10. CHECK, NFS 11. R's agent or manager 0. Inap. (No institutions listed, no further institutions) 310(#1) A8. Roughly, how many miles is the office or cash machine of 314(#2) this institution from the home or workplace of the person 318(#3) who uses it most often? (ACCEPT RANGE.) (IF R ASKS: WE WANT 322(#4) THE CLOSER OF THE DISTANCE FROM HOME OR WORKPLACE.) 326(#5) (NOT ASKED IF NON-FINANCIAL INST.) 330(#6) Code MILES 51. OVER 50 MILES 992. FOREIGN LOCATION 993. LOCATED AT WORK -1. LESS THAN A MILE -7. LOCAL PHONE OR POST BOX 0. Inap. (No institutions listed, no further institutions) 311(#1) A9. INTERVIEWER: IS THERE ANOTHER FINANCIAL INSTITUTION? 315(#2) 319(#3) 1. Yes 323(#4) 2. No 327(#5) 0. Inap. (No institutions listed, no further institutions) ----------------------------------------------------------------------------- DEBIT AND CREDIT CARDS ----------------------------------------------------------------------------- 7582 B4. Do you (or anyone in your family living here) have any debit cards? (A debit card is a card that you can present when you buy things that automatically deducts the amount of the purchase from the money in an account that you have). 1. YES 5. NO 0. Inap. (No institutions listed, no further institutions) 7581 B4.1 . How many such cards do you (and your family living here) have? (READ ONCE: Please do not count duplicate cards for the same account or any business or company accounts.) Code NUMBER 0. Inap. 7580 B4.2 Please look at the Institutions Card. (Is this/are these) 7579 with any of the institution(s) on the Institutions Card, or from someplace else? (CHECK ALL THAT APPLY.) [IF INSTITUTIONS CARD: Which institution(s)?] [IF "SOMEPLACE ELSE": What type(s) of institution(s)?] See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No institutions listed, no further institutions) 9200 R. Type of institution. 9201 See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No institutions listed, no further institutions) 410 B5. Now I have some questions about credit cards. Do you (or anyone in your family living here) have any credit cards or charge cards? (Please do not include debit cards.) 1. YES 5. NO TYPES OF CARDS: EXAMPLES #1: BANK-TYPE CARDS: Visa, Mastercard, Discover, Optima #2: STORE CARDS: Sears, K-Mart, furniture, clothing and other stores #3: GASOLINE CARDS: Gasoline Cards such as Shell, Exxon, BP, Texaco, Amoco #4: GENERAL PURPOSE CARDS: American Express, Diners Club, Carte Blanche #5: OTHER TYPES OF CARDS: Airline, Car Rental, or other 411 (#1) B5.1 How many different (EXAMPLES) cards do you (and your family 419 (#2) living here) have? 422 (#3) (READ ONCE: Please do not count duplicate cards for the 425 (#4) same account or any business or company accounts.) 428 (#5) Code # ACCTS -1. NONE .S. SOME, DK HOW MANY 0. Inap. (No credit cards) 412 (#1) B6-A. On your last bill, roughly how much were the new 420 (#2) charges made to (this/all these) account(s)? 423 (#3) (ACCEPT RANGE.) 426 (#4) 429 (#5) Code $ amount -1. NONE 0. Inap. (No credit cards, no TYPE cards) 413 (#1) B8-A. After the last payment(s) (was/were) made on (this/these) 421 (#2) account(s), roughly what was the balance still owed on 424 (#3) (this/all these) account(s)? 427 (#4) 430 (#5) Code $ amount -1. NONE 0. Inap. (No credit cards, no TYPE cards) 414 (#1) B9. What is the maximum amount you could borrow on (this/all of these) account(s); that is, what is your total credit limit? Code actual amount -1. No limit 0. Inap. (No credit cards, no bank-type cards) 7578 B9.1 When you chose (this/these) card(s), how important was the interest rate that is charged on the balances -- very important, somewhat important, or not important? 1. VERY IMPORTANT 2. SOMEWHAT IMPORTANT 3. NOT IMPORTANT 415 (#1a) B10. Please look at the Institutions Card. (Is this/are 416 (#1b) these) with any of the institution(s) on the 417 (#1c) Institutions Card, or from someplace else? 418 (#1d) (CHECK ALL THAT APPLY.) [IF INSTITUTIONS CARD: Which 7500 (#1e) institution(s)?] [IF "SOMEPLACE ELSE": What type(s) of institution(s)?] Code up to 5 mentions See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No credit cards, no bank-type cards, no additional institutions) 9082(#1a) R. Type of institution 9151(#1b) 9152(#1c) Code type of intsitution 9153(#1d) See FINANCIAL INSTITUTIONS master reference list 9202(#1e) 0. Inap. (No credit cards, no bank-type cards, no additional institutions) 431 B11. INTERVIEWER: SEE B6, COLUMNS A and B. DOES R HAVE ANY CARDS IN COLUMN A OR B? 1. YES 5. NO 0. Inap. (No credit cards) 432 B12. Thinking only about Visa, Mastercard, Discover, Optima and store cards, do you almost always, sometimes, or hardly ever pay off the total balance owed on the account each month? 1. ALMOST ALWAYS 3. SOMETIMES 5. HARDLY EVER 0. Inap. (No credit cards, no bank or store credit cards) 7577 B13. (Other than store accounts where you have credit cards), do you have any charge accounts at stores where you owed money after your last payment? 1. YES 5. NO 0. Inap. (No credit cards, no bank or store credit cards) 7576 B14. How many such accounts do you have where you owe money? CODE # ACCOUNTS 0. Inap. (No credit cards at stores where owed money after last payment) 7575 B15. After these last payment(s) (was/were) made on (this/these) accounts, what was the balance still owed on (this/all these) account(s)? CODE $ ACCOUNTS 0. Inap. (No credit cards at stores where owed money after last payment) ----------------------------------------------------------------------------- PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- 501 D1. INTERVIEWER CHECKPOINT: WHERE DOES R LIVE? 1. R LIVES ON A RANCH OR FARM 2. R LIVES IN A MOBILE HOME 3. ALL OTHERS R LIVES ON FARM/RANCH 502 D2. Now I have some questions about this property. About how many acres is this (farm/ranch)? Code ACRES 0. Inap. (Does not live on a farm) 503 D3. Do you (or anyone in your family living here) operate a farming or ranching business on this property? (IF R CLAIMS THE FARM ON HIS INCOME TAX, THEN THE FARM IS A BUSINESS FOR OUR PURPOSES.) 1. YES 5. NO 0. Inap. (Does not live on a farm) 504 D3.1 Do you (or anyone in your family living here) rent out any part of this property to others? 1. YES 5. NO 0. Inap. (Does not live on a farm, farm business) 505 D3.2 How much rent do you collect each month?--$ AMOUNT Code actual amount -1. NONE 0. Inap. (Does not live on a farm, farm business, no rent) 506 D3.2 PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not live on a farm, farm business, no rent) 507 D4. What part of this property is used for the farming or ranching business? Code PERCENT to 2 decimal places 9995. ALMOST ALL -1. VERY LITTLE 0. Inap. (Does not live on a farm, no farm business) 7574 D4. What part of this property is used for the farming or ranching business? Code # ACRES -1. VERY LITTLE 0. Inap. (Does not live on a farm, no farm business) 508 D5. What is the legal ownership status of this (farm/ranch). Do you (or your family living here) own this (farm/ranch), do you own part of it, do you rent it, is it all owned by a business, or what? 1. OWNS ALL 2. OWNS PART 3. RENTS 4. OWNED BY A BUSINESS 5. SHARECROPPER 6. Housing is paid for by someone outside PEU (including owned by NPEU); owned by relative outside PEU; R pays only taxes -7. OTHER 0. Inap. (Does not live on a farm, no farm business) R OWNS ENTIRE FARM 509 D5.1. Does the (farming/ranching) business pay any rent for the use of the property? 1. YES 5. NO 0. Inap. (Does not live on a farm, no farm business, does not own entire farm) 510 D5.2. How much rent do you (or your family living here) collect each month?--$ AMOUNT Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own entire farm, business does not pay rent) 511 D5.2. PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not live on a farm, no farm business, does not own entire farm, business does not pay rent) 513 D5.3. Could you tell me the current value of all the land and the buildings -- that is, about what would it bring if it were sold today? Do not include any farm animals, implements or crops. Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own entire farm) FARM/RANCH OWNED BY A BUSINESS 514 D5.4 Do you (or your family living here) pay the business any rent for this house? 1. YES 5. NO 0. Inap. (Does not live on a farm, no farm business, farm not owned by a business) 515 D5.5. In what month and year did you move into this (farm/ranch)?--MONTH Code MONTH 0. Inap. (Does not live on a farm, no farm business, farm not owned by a business) 516 D5.5. In what month and year did you move into this (farm/ranch)?--YEAR Code YEAR 1901. 1901 or earlier 0. Inap. (Does not live on a farm, no farm business, farm not owned by a business) R OWNS PART OF FARM/RANCH 517 D6. Does the (farming/ranching) business pay you (or your family living here) any rent for the use of the property? 1. YES 5. NO 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) 518 D6.1. How much rent do you (or your family living here) collect each month? -- AMOUNT Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, farm does not pay rent) 519 D6.1. PER 2. Week 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months -7. Other 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, farm does not pay rent) 520 D7. Do you (or anyone in your family living here) pay any rent for this property? 1. YES 5. NO 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) 521 D7.1. How much rent do you (or your family living here) pay each month? -- AMOUNT Code actual amount -1. NONE 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, does not pay rent) 522 D7.1. PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, does not pay rent) 523 D8. I will ask you more about the business operation later. Now I'd like to ask about the part of the property that you (and your family living here) personally own. About what percent of the total property is that? Code PERCENT to 2 decimal places 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) 7573 D8. I will ask you more about the business operation later. Now I'd like to ask about the part of the property that you (and your family living here) personally own. About what percent of the total property is that? Code # ACRES 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) 526 D10. Could you tell me the current value of the entire part of the land and building you own? I mean, what would it bring if it were sold today? Do not include any farm animals, implements or crops. Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) R LIVES IN MOBILE HOME 601 D11. Now I have some questions about your home. Do you (or your family living here) own both this mobile home and site or lot, do you own only the mobile home, do you own only the site, do you rent both the home and site, or what? 1. OWN BOTH HOME AND SITE 2. OWN ONLY SITE 3. OWN ONLY HOME 4. RENT BOTH -7. NEITHER OWNS NOR RENTS 0. Inap. R OWNS ONLY SITE 602 D11.1 About how much rent do you pay on this home each month? Code actual amount -1. Nothing; zero 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 603 D11.1 PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 604 D11.2 Could you tell me the current value of the site? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 605 D11.3 In what month and year did you purchase this site?--MONTH (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Code MONTH 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 606 D11.3 In what month and year did you purchase this site?--YEAR Code YEAR 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 608 D11.3 INTERVIEWER CHECKPOINT: GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 607 D11.4 How much did this site cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) R NEITHER OWNS NOR RENTS MOBILE HOME 609 D11.5 How is that? 1. Housing is part of job compensation; live-in servant; housekeeper; gardener; farm laborer 2. Housing is a gift paid for by someone outside HU; owned by relative outside HU; R pays only taxes 3. Sold home, has not moved yet 4. Living in house which will inherit; estate in process 5. Living in temporary quarters (garage, shed) while home is under construction 0. Inap. (Does not liven in mobile home, owns or rents mobile home) 610 D11.6 In what month and year did you move into this mobile home? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, owns or rents mobile home) 611 D11.6 In what month and year did you move into this mobile home? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, owns or rents mobile home) R OWNS ONLY MOBILE HOME 612 D12. About how much rent do you pay on this site each month? Code actual amount -1. Zero; pays no rent 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 613 D12. PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 614 D12.1 Could you tell me the current value of this mobile home? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 615 D12.2 In what month and year did you purchase this mobile home? --MONTH (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Code MONTH 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 616 D12.2 In what month and year did you purchase this mobile home? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 618 D12.2 INTERVIEWER CHECKPOINT: GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not live in mobile home, other than owns only mobile home) For the public use tape, the response of 1 is set to 5. 617 D12.3 How much did this mobile home cost when you originally acquired it ? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (Does not live in mobile home, other than owns only mobile home) R RENTS MOBILE HOME AND SITE 619 D13. About how much rent do you pay on this home and site each month? Code actual amount -1. NONE -2. Rental housing fully subsidized 0. Inap. (Does not live in mobile home, does not rent mobile home and site) 620 D13. PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not live in mobile home, does not rent mobile home and site) 621 D13.1 In what month and year did you move into this mobile home? --MONTH Code MONTH 0. Inap. (Does not live in mobile home, does not rent mobile home and site) 622 D13.1 In what month and year did you move into this mobile home? --YEAR Code YEAR 0. Inap. (Does not live in mobile home, does not rent mobile home and site) R OWNS BOTH MOBILE HOME AND SITE 623 D14. Could you tell me the current value of this home and site? I mean, about what would they bring if they were sold today? Code actual amount 0. Inap. (Does not live in mobile home, does not own mobile home and site) 624 D15. Were the site and mobile home purchased separately? 1. YES 5. NO 0. Inap. (Does not liven in mobile home, does not own mobile home and site) 625 D15.1 In what month and year did you purchase this mobile home? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) 628 D15.1 INTERVIEWER CHECKPOINT: GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 626 D15.1 In what month and year did you purchase this mobile home? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 627 D15.2 How much did the mobile home cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 629 D15.3 In what month and year did you purchase this site?--MONTH (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 632 D15.3 GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 630 D15.3 In what month and year did you purchase this site?--YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 631 D15.4 How much did this site cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (Does not live in mobile home, does not own mobile home and site, mobile home and site purchased together) 633 D15.5 In what month and year did you purchase this mobile home and site?--MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately) (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) 636 D15.5 GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately) 634 D15.5 In what month and year did you purchase this mobile home and site?--YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately) 635 D15.6 How much did the mobile home and site cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately) 701 D16. Now I have some questions about your home. Do you (and your family living here) own this (house and lot/apartment/farm/ranch), do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or what? 1. OWNS OR IS BUYING; LAND CONTRACT 2. PAYS RENT 3. CONDO 4. CO-OP 5. TOWNHOUSE ASSOC. 6. RETIREMENT LIFETIME TENANCY -7. NEITHER OWNS NOR RENTS 0. Inap. (Lives on farm run as business, lives in mobile home) 7572 D16.1 Are you required to pay regular fees to an association or property management group in order to live here? 1. YES 5. NO 0. Inap. (Lives on farm run as business, lives in mobile home, house not condo/co-op/townhouse) 703 D16.2 How much are your fees? Code actual amount -1. NONE/No regular payment/No typical payment 0. Inap. (Lives on farm run as business, lives in mobile home, house not condo/co-op/townhouse) 704 D16.2 PER 2. Week 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months -7. Other 0. Inap. (Lives on farm run as business, lives in mobile home, house not condo/co-op/townhouse) D16.3 INTERVIEWER OBSERVATION: DOES R LIVE IN MULTIPLE HU STRUCTURE? R NEITHER OWNS NOR RENTS 705 D16.4 How is that? 1. Housing is part of job compensation; live-in servant; housekeeper; gardener; farm laborer 2. Housing is a gift paid for by someone outside PEU (including owned by NPEU); owned by relative outside PEU; R pays only taxes 3. Sold home, has not moved yet 4. Living in house which will inherit; estate in process 5. Living in temporary quarters (garage, shed) while home is under construction 0. Inap. (Lives on farm run as business, lives in mobile home, owns or rents house) -7. Other For the public use tape, responses of 5, and 6 are set to -7. 706 D16.5 In what month and year did you move into this home?--MONTH Code MONTH 0. Inap. (Lives on farm run as business, lives in mobile home, owns or rents house) 707 D16.5 In what month and year did you move into this home?--YEAR Code YEAR 0. Inap. (Lives on farm run as business, lives in mobile home, owns or rents house) For the public use tape, the year is bottom-coded at 1920. R PAYS RENT 708 D17. How much rent do you pay a month for this (house/ apartment/farm/ranch)? Code actual amount -1. NONE -2. Rental housing fully subsidized 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) 709 D17. PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) 710 D17.1 Does that include some or all utilities? 1. YES, ALL 3. YES, SOME 5. NO 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) 711 D17.2 Do you rent it furnished or unfurnished? 1. FURNISHED 3. PARTIALLY FURNISHED 5. UNFURNISHED 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) 712 D17.3 In what month and year did you move into this (house/ apartment/farm/ranch)?--MONTH Code MONTH 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) 713 D17.3 In what month and year did you move into this (house/ apartment/farm/ranch)?--YEAR Code YEAR 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) R LIVES IN MULTIPLE HU STRUCTURE 702 D16a. INTERVIEWER CHECKPOINT: OBSERVATION 1. R LIVES IN MULTIPLE HU STRUCTURE 2. ALL OTHERS 0. Inap. (Lives on farm run as business, lives in mobile home) 714 D18. Do you own the entire building or just your unit? 1. ENTIRE BUILDING 2. JUST R'S UNIT 0. Inap. (Lives on farm run as business, lives in mobile home, does not own house, does not live in a multiple HU structure) 715 D18a. The next few questions are about the entire property. How many housing units are in this building? Code UNITS 95. 95 units or more 0. Inap. (Lives on farm run as business, lives in mobile home, does not own house, does not live in a multiple HU structure) ALL HOMEOWNERS EXCEPT MOBILE HOMES/FARMS OWNED BY A BUSINESS 716 D19. (The following questions about your home refer to your unit only). What is the current value of this (home and land/apartment/property)? I mean, about what would it bring if it were sold today? (IWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR HOUSE AND LOT, APARTMENT, BUILDING, FARM, OR RANCH.) Code actual amount 0. Inap. (Lives on farm run as business, lives in mobile home, does not own house) 719 D20. In what month and year did you first purchase any part of this property?--MONTH Code MONTH 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) 720 D20. In what month and year did you first purchase any part of this property?--YEAR Code YEAR 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) For the public use tape, the year is bottom-coded at 1920. 718 D20. GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) 717 D21. How much did it cost when you first acquired it? Code actual amount 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) 721 D22. What are the real estate taxes per year on this (home and land/apartment/property)? Code actual amount -1. NONE/No regular payment/No typical payment 0. Inap. (Lives on farm owned by a business, rents farm, does not own house) 722 D22. PER 2. Week 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months -7. Other 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) ----------------------------------------------------------------------------- PRINCIPAL RESIDENCE MORTGAGES/LAND CONTRACTS ----------------------------------------------------------------------------- 723(1) D23. Is there a mortgage or land contract on this (home and land/apartment/ property)? (DO NOT INCLUDE HOME EQUITY LOANS OR LINES OF CREDIT) 1. YES, MORTGAGE 2. YES, LAND CONTRACT 5. NO 0. Inap. (Not homeowner) 830(2) D40. Do you have a second mortgage or a land contract on this property? (Please do not include any home equity lines of credit.) [INTERVIEWER: A HOME EQUITY LINE OF CREDIT IS AN AGREEMENT WHERE THE R CAN BORROW AT ANY TIME USING THE HOUSE AS COLLATERAL, UP TO SOME LIMIT. A HOME EQUITY LOAN IS A FIXED LENGTH, FIXED MONTHLY PAYMENT LOAN.] 1. YES, 2ND MORTGAGE 2. YES, LAND CONTRACT 5. NO 0. Inap. (Not homeowner, no first loan) 931(3) D40.1 Do you have any other loans that use this property as collateral? (Please do not include any home equity lines of credit.) 1. YES 5. NO 0. Inap. (Not homeowner, no second loan) 724 D24. Is the first or main mortgage a federally guaranteed mortgage, such as FHA or VA? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, 1st loan is land contract) 725 D24.1 Does this mortgage carry any type of private mortgage insurance or PMI against default? (IF R ASKS: DO NOT INCLUDE MORTGAGE LIFE INSURANCE.) 1. YES 5. NO 0. Inap. (Not homeowner, no loan, 1st loan is land contract, FHA/VA loan) 726 D25. Is it an FHA mortgage, a VA mortgage, or is it from some other program? 1. FHA (Federal Housing Admin.) 2. VA 3. Federal Land Bank 4. "Fannie Mae" (Federal National Mortgage Assn) 5. "Freddie Mac" (Federal Home Loan Mortgage Corp) 6. Other governmental guarantor 7. Other non-governmental guarantor -7. OTHER 0. Inap. (Not homeowner, no loan 1st loan is land contract, not FHA/VA loan) 727 D26. Why did you choose this type of loan? CREDIT TERMS/COST OF LOAN 1. Interest rate--low(er)/reasonable/best available rates 4. Finance charges low(er) or none (other than interest or NA if includes interest) 5. Amount of the down payment 6. Size of (monthly) payments; payment amount; longer contracts--more time to pay off loan 9. Easier to get credit--require less information/ collateral; less stringent rules for giving credit; get credit approval faster; no red tape 25. Credit terms/arrangements--NA what; "affordable terms" 26. Give the best (a better) deal--NA how 29. Other credit terms or cost of loan CHARACTERISTICS OF CREDIT INSTITUTION 31. Good reputation--reputable, well known; honest; stable; reliable; experienced; professional 41. Availability of credit: "they would lend me the money"; "I could qualify for a loan"; "only place I could get a loan"; was eligible; qualified; a veteran (VA loan) 49. Other characteristics of credit institution MISCELLANEOUS 80. No choice; only source/lender/institution (not 41); "only place in town" 81. Familiarity; R has previous/good experience dealing with institution; has (other) accounts there, been treated well/fairly in past; am a credit union member 83. Recommended or arranged by dealer/store/contractor/ realtor 84. Recommended by others 88. Convenient/Easy--n.e.c. 90. Reason for lender choice related to item purchased-- "assumed mortgage" (i.e., lender choice already made when R chose this house) (low priority) 91. Like/Trust them--NA why 0. Inap. (Not homeowner, no loan, 1st loan is land contract, not FHA/VA loan) 801(1) D27. About the (mortgage/land contract/second mortage/other 901(2) loan), in what month and year did you obtain or last 1001(3) refinance it?--MONTH Code MONTH 0. Inap. (Not homeowner, no loan, no further loans) 802(1) D27. About the (mortgage/land contract/second mortage/other 902(2) loan), in what month and year did you obtain or last 1002(3) refinance it?--YEAR Code YEAR 0. Inap. (Not homeowner, no loan, no further loans) 803(1) D27.1 Was this (mortgage/land contract) assumed from the 903(2) previous owner? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, no further loans) 804(1) D28. How much did you borrow or refinance? 904(2) 1004(3) Code actual amount 0. Inap. (Not homeowner, no loan, no further loans) 805(1) D29. How much is still owed on this loan? 905(2) 1005(3) Code actual amount 0. Inap. (Not homeowner, no loan, no further loans) 806(1) D30. How many years or payments did you agree upon when the loan 906(2) was taken out or refinanced?--# YEARS 1006(3) Code # YEARS -1. NO SET # 0. Inap. (Not homeowner, no loan, no further loans) 807(1) D30. How many years or payments did you agree upon when the loan 907(2) was taken out or refinanced?--# PAYMENTS 1007(3) Code # PAYMENTS -7. Number of years reported and no regular payments on loan. Number of payments cannot be computed. -1. NO SET # 0. Inap. (Not homeowner, no loan, no further loans) 9154(1) R. Term of loan in months 9155(2) 9156(3) Code # MONTHS 0. Inap. (Not homeowner, no loan, no further loans) 808(1) D31. How much are the payments and how often are they due? 908(2) 1008(3) Code actual amount -1. NO REG. PAYMENTS; NONE 0. Inap. (Not homeowner, no loan, no further loans, no set # payments) 809(1) D31. PER 909(2) 1009(3) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months 12. Bimonthly -7. Other 0. Inap. (Not homeowner, no loan, no further loans, no set # payments) 810(1) D32. Do the payments include property taxes or home owners insurance? (Which?) 1. TAXES ONLY 2. INSURANCE ONLY 3. BOTH 4. NEITHER 0. Inap. (Not homeowner, no loan, no further loans, no set # payments, no regular payments) 811(1) D33. Will the regular payments repay the loan completely, or 911(2) will there be a balance payable, or "balloon" payment, 1011(3) when the loan is due? 1. REPAY COMPLETELY 2. BALLOON 0. Inap. (Not homeowner, no loan, no further loans, no set # payments, no regular payments) 812(1) D33.1 What will the balance due or balloon payment be? 912(2) 1012(3) Code actual amount 0. Inap. (Not homeowner, no loan, no further loans, no set # payments, no regular payments, no balloon) 813(1) D34. What is the typical payment and how often is it made? 913(2) 1013(3) Code actual amount -1. NO TYPICAL PAYMENTS: NONE 0. Inap. (Not homeowner; no loan; no further loans; set number of payments and regular payments) 814(1) D34. PER 914(2) 1014(3) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Not homeowner; no loan; no further loans; set number of payments and regular payments) 815(1) D34.1 When do you expect this loan to be repaid? 915(2) 1015(3) Code YEAR 0. Inap. (Not homeowner; no loan; no further loans; set number of payments and regular payments) 7571(1) D34.2 Are you paying off this loan ahead of schedule, 7570(2) behind schedule, or are the payments about on 7569(3) schedule? 1. On schedule 2. Ahead of schedule 3. Behind schedule 816(1) D35. What is the current annual rate of interest being charged 916(2) on the loan? 1016(3) Code % to 2 decimal places (ex. 10 3/4 = 1075) -1. Zero; no interest 0. Inap. (Not homeowner, no loan, no further loans) 817(1) D36. Please look at the Institutions Card. Is the loan 917(2) with any of the institutions on the Institutions Card, or 1017(3) from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (Not homeowner, no loan, no further loans) 9083(1) R. Type of institution in X817 9084(2) 9085(3) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (Not homeowner, no loan, no further loans) 7568(1) D36.1 Is this the same institution as the one from which you originally took out this loan? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, no further loans) 918(2) D37. Was the money from this loan used for the purchase of this 1018(3) home or for some other purpose? (What other purpose?) Use LOAN PURPOSE Master Code, except: 0. Inap. (Not homeowner, no loan, no further loans) 819(1) D38. (SHOW CARD 3) What is the most important reason you chose this lender? (Was it because they were recommended to you, because they had low interest rates, because of the location of their offices, because you had done other business with them, because it was easier to qualify for the loan, or for some other reason?) 1. RECOMMENDED 2. LOW INTEREST 3. LOCATION 4. OTHER BUSINESS 5. EASY TO QUALIFY; only place that would give us a loan 6. MANY/SPECIAL SERVICES IN ONE PLACE 10. Low fees/service charges 11. Personal relationship; they know me; know/like them; freindly; R/Spouse works there 21. No choice--assumed existing debt and lender from previous owner 22. No choice--financed through contractor/developer/ prev. owner/builder and this was their financial institution 23. Advertisement 24. Convenient hours 25. No particular reason 26. No other institutions -7. OTHER including combinations 0. Inap. (Not homeowner, no loan) 820(1) D39. Is this an adjustable rate (mortage/loan); 920(2) that is, does it have an interest rate 1020(3) that can rise or fall from time to time? 1. YES 5. NO 0. Inap. (Not homeowner, no loan) 821(1) D39.1 Does the change in your interest rate depend on some other interest rate? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, not adjustable rate) 822(1) D39.2 On what other rate does it depend? 1. Consumer Price Index; "CPI"; "cost of living" 2. GNP (Gross National Produce) Deflater 3. Prime (interest) Rate; LIBOR 4. Treasury Bill Rate; "T-Bill rate" 5. "Current rate" or "going rate"--NFS 6. District/regional rate 11. FHLBB (Fed. Home Loan Bank Board) 12. FSLIC (Fed. Savings and Loan Ins. Corp.) 13. Fannie Mae 14. Bank CD rate 15. Federal Funds Rate 16. Misc. bond indices -7. Other 0. Inap. (Not homeowner, no loan, not adjustable rate, rate doe not depend on another rate) 823(1) D39.3 How often can your interest rate change in a given year? Code number of times -1. Continuously floating 0. Inap. (Not homeowner, no loan, not adjustable rate) 824(1) D39.3 PER 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only/in total 11. 6 months 12. Bimonthly 13. Every 3 years 14. At 7 years 15. Continuously floating rate; whenever rate changes -7. Other 0. Inap. (Not homeowner, no loan, not adjustable rate) 825(1) D39.4 When the interest rate on your mortgage changes, does the size of your monthly payments also change? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, not adjustable rate) 826(1) D39.5 What is the most the rate can rise at any one time? (POINTS = PERCENTAGE POINTS) Code % to 2 decimal places (ex. 10 3/4 = 1075) -2. NO LIMIT 0. Inap. (Not homeowner, no loan, not adjustable rate) 828(1) D39.6 What was the interest rate on this mortgage when you first got it? Code % to 2 decimal places -2. NO LIMIT 0. Inap. (Not homeowner, no loan, not adjustable rate) 827(1) D39.7 What is the highest the rate can go over the life of the loan? Code % to 2 decimal places -2. NO LIMIT 0. Inap. (Not homeowner, no loan, not adjustable rate) 829(1) D39.8 Is this a convertible mortgage; that is do you have an option to convert it to a mortgage with a fixed interest rate? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, not adjustable rate) FOR OTHER LOANS ASSOCIATED WITH HOME PURCHASE, SEE "CONSUMER LOANS" ----------------------------------------------------------------------------- LINES OF CREDIT ----------------------------------------------------------------------------- 1101 D52. Do you (or anyone in your family living here) have a home equity line of credit, or any other lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. (IF R ASKS: A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A LENDER THAT ALLOWS R TO BORROW UP TO AN AGREED UPON LIMIT AND PAY IT OFF AS R DESIRES. A HOME EQUITY LINE OF CREDIT IS A LINE OF CREDIT SECURED BY THE EQUITY IN R'S HOME.) (ASKED OF HOMEOWNERS) D68. Do you (or anyone in your family living here) have any lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. (IF R ASKS: A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A LENDER THAT ALLOWS R TO BORROW UP TO A SPECIFIED LIMIT AND PAY IT OFF AS R DESIRES.) (ASKED OF NON-HOMEOWNERS) 1. YES 5. NO 1102 D53. How many lines of credit do you (and your family living here) have? (ASKED OF HOMEOWNERS) Code # LINES OF CREDIT 0. Inap. (No lines of credit) 7563 D68.1 How many lines of credit do you (and your family living here) have? (ASKED OF NON-HOMEOWNERS) Code # LINES OF CREDIT 0. Inap. (No lines of credit) 7562 D69 # OF LINES OF CREDIT 1103 (#1) D53.1 Is (this/the largest/next) line of credit secured by the 1114 (#2) equity in your home? 1125 (#3) 1. YES 5. NO 0. Inap. (No lines of credit, no further lines of credit) 1104 D53.2 What is the maximum amount you could borrow on this line 1115 of credit? 1126 Code actual amount 0. Inap. (No lines of credit, no further lines of credit) 7561 (#1) D69.1 What is the maximum amount you could borrow on 7560 (#2) (this/the largest/the next largest) line of credit? 7559 (#3) (ASKED FOR NON-HOMEOWNERS) Code actual amount 0. Inap. (No lines of credit) 1105 D53.3 Are you currently borrowing any money against this line of 1116 credit? (ASKED FOR HOMEOWNERS) 1127 1. YES 5. NO 0. Inap. (No lines of credit, no further lines of credit) 7558 (#1) D69.2 Are you currently borrowing any money against this line 7557 (#2) of credit? (ASKED OF NON-HOMEOWNERS) 7556 (#3) 1. YES 5. NO 0. Inap. (No lines of credit) 1106 (#1a) D53.4 What was the money used for? (What was its major use?) 1107 (#1b) (ASKED FOR HOMEOWNERS) 1117 (#2a) D69.3 What was the money used for? (What was its major use?) 1118 (#2b) (ASKED FOR NON-HOMEOWNERS) 1128 (#3a) 1129 (#3b) Use LOAN PURPOSE Master Code, except: 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1108 D53.5/ How much is currently owed? 1119 D69.4 1130 Code actual amount 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1109 D53.6/ What is the typical payment and how often is it made? 1120 D69.5 1131 Code actual amount -1. NO TYPICAL PAYMENTS; NONE 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1110 D53.6/ PER 1121 D69.5 1132 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum;one payment only -7. Other 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1111 D53.7/ What is the current annual rate of interest being 1122 D69.6 charged on this loan? 1133 Code % -1. Zero; no interest 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1112 D53.8/ (Please look at the Institutions Card.) Is this 1123 D69.7 line of credit with any of the institutions on 1134 the Institutions Card, or from someplace else? (IF the Institutions Card: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that? (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 9087 R: Type of institution 9088 9089 See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1113 D53.9/ INTERVIEWER: IS THERE ANOTHER LINE OF CREDIT? 1124 D69.8 1135 1136 D53.10/ What is the total amount that you (and your family D70 living here) currently owe on all other remaining lines of credit? Code actual amount -1. Nothing; zero 0. Inap. (No lines of credit, no further lines of credit) ----------------------------------------------------------------------------- ADDITIONS AND IMPROVEMENTS TO PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- 1201 D54. Have you (and your family living here) ever made any major additions or done extensive remodeling to this property? 1. YES 5. NO 0. Inap. (Not homeowner) 1202 D54.1 Roughly what was the total cost of all such major additions or remodeling? Code actual amount 0. Inap. (Not homeowner, no home improvements) FOR LOANS ASSOCIATED WITH HOME IMPROVEMENTS, SEE "CONSUMER LOANS" ----------------------------------------------------------------------------- RENT OUT PART OF PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- 1223 D67. Do you or anyone in your family here) rent out any portion of this (house or lot/apartment/mobile home/building) to others? (ASKED OF RS WHO DO NOT LIVE ON FARM/RANCH) 1. YES 5. NO 0. Inap. (Not homeowner, lives on farm or ranch) 1224 D67.1 How much rent do you collect each month? Code actual amount -1. NONE 0. Inap. (Not homeowner, lives on farm or ranch, no rent) 1225 D67.1 PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Not homeowner, lives on farm or ranch, no rent) ----------------------------------------------------------------------------- LAND CONTRACTS AND NOTES FOR REAL ESTATE SALES ----------------------------------------------------------------------------- 1401 E1. Have you (or anyone in your family living here) ever sold real estate for which you loaned money to the buyer? Please include accepting a note, land contract or mortgage from the buyer. (IF YES, SAY: We do not want to include any property owned by a business which you own or have an interest in.) 1. YES 5. NO 1402 E2. Does the buyer still owe (you/your family) money on any of these notes, land contracts, or mortgages? 1. YES 5. NO 0. Inap. (Never sold real estate) 1403 E2.1 Altogether, on how many such loans (are you/is your family) owed money? Code # NOTES/LAND CONTRACTS/MORTGAGES 95. 95 or more 0. Inap. (Never sold real estate, no money still owed) LOAN/LAND CONTRACT 1404 E3. (About the [largest/next] loan ...) Is it a land 1504 contract, a mortgage, or something else? 1604 1. LAND CONTRACT 2. MORTGAGE 3. SOMETHING ELSE 0. Inap. (Never sold real estate, no money still owed, no other loan) 1405 E4. How much are you (and your family) owed on this note? 1505 1605 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is mortgage) 1406 E5. In what month and year was this (mortgage/land contract) 1506 taken out?--MONTH 1606 Code MONTH 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1407 E5. In what month and year was this (mortgage/land contract) 1507 taken out?--YEAR 1607 Code YEAR 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1408 E6. How much did (you/your family) lend the borrower? 1508 1608 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1409 E7. How much is still owed on this (mortgage/land contract)? 1509 1609 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1410 E8. How much are the (mortgage/land contract) payments and how 1510 often are they due? 1610 Code actual amount -1. NO REGULAR PAYMENTS; NONE 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1411 E8. PER 1511 1611 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum 11. Twice per year; every 6 months -7. Other 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments) 1412 E9. How many years or payments were agreed upon when the 1512 (mortgage/land contract) was taken out?--# YRS 1612 Code # YRS -1. NO SET NUMBER 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments) 1413 E9. How many years or payments were agreed upon when the 1513 (mortgage/land contract) was taken out?--# PAYMENTS 1613 Code # PAYMENTS 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments) 1414 E10. Will the regular payments pay off the (mortgage/land 1514 contract) completely or will there be a balance payable or 1614 "balloon" when the (mortgage/land contact) is due? 1. REPAY COMPLETELY 5. BALLOON 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments) 1415 E10a. What will the balance payable or balloon payment be? 1515 1615 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note, no regular payments, no balloon) 1416 E11. Do you (or your family living here) still owe any money on 1516 loans for this property? 1616 1. YES 5. NO 0. Inap. (Never sold real estate, no money still owed, no other loan) 1417 E11.1 How much do you still owe? 1517 1617 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, nothing still owed) E12 INTERVIEWER: IS THERE ANOTHER LOAN/LAND CONTRACT? 1619 E13. About how much in total is owed to (you/your family) on the remaining notes, land contracts or mortgages? Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan) 1620 E13.1 Do you (or your family here) still owe any money on loans for these other properties? 1. YES 5. NO 0. Inap. (Never sold real estate, no money still owed, no other loan) 1621 E13.2 Altogether how much (do you/does your family) still owe? Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, nothing still owed) ----------------------------------------------------------------------------- OTHER REAL ESTATE ----------------------------------------------------------------------------- 1700 E14. Do you (or anyone in your family living here) own any (other) real estate such as a lot, vacation home, time share, apartment building, commercial property, or other investment property, including properties owned in partnership with other people? 1. YES 5. NO 7555 E14.1 Are any of these properties owned by a business? (IF yes say: I'll ask about these properties later). 1. YES 5. NO 1701 E15. How many properties that are not owned by a business do you (and your family living here) own or have an interest in? Code # PROPERTIES -1. NONE 0. Inap. (No property) 1703 E16. EDITOR PRECODE--BUSINESS/JOB CONNECTION 1803 1903 1. This property associated with Bus #1 at M5a 2. " " " " Bus #2 " " 3. " " " " Bus #3 " " 4. This property is associated with business listed at M5a, BUT it is a) a business beyond #3 (at M19a-c) or (b) associated with more than one M5a business or (c) NA which business 5. Property not associated with a business at M5a-M19c or a property at E2 6. This property is associated with R's main job (at R2 or R14) 7. This property is associated with S/P's main job (at S2 or S14) LOTS/LAND 10. Farm/ranch--any mention 11. Land only: lot, tract, acreage; building lots; "farmland" 12. Land and (seasonal) residence (exc. 14); "house + 50 acres" 13. Land and some other type of structure 14. Land and trailer/mobile home SEASONAL RESIDENCE 21. Seasonal/vacation house (winter/summer home; cottage; hunting cabin) 22. Trailer/Mobile home 25. Time-share ownership--any OTHER REAL ESTATE 40. One single family house 41. Multiple single family houses 42. Duplex; 2 unit residential 43. Triplex; 3 unit residential 44. Fourplex; 4 unit residential 45. 5 or more unit residential 46. "Apartment house"-NA # units; "rental" units or property--NFS 47. Other business/commercial property (exc. 41-46) 48. Business/commercial and residential combination 49. Condominium (include NA if own use or if one unit or a building) 50. Residential 51. Garage -7. Other, including combinations 0. Inap. (No property, no additional property) 1704 E17. Is this property owned by you (and your family living 1804 here), is it owned jointly with others, owned by a 1904 partnership, or what? 1. OWNED BY R/SPOUSE 2. OWNED JOINTLY 3. PARTNERSHIP 4. REAL ESTATE INVEST TRUST 5. TIMESHARE 6. Managed trust of similar legal arrangememt -7. OTHER including combinations 0. Inap. (No property, no additional property) 1705 E17.1 What percentage of the property do you (and your family 1805 living here) own? 1905 (SET TO 10000 WHEN E17=1) Code PERCENT to 2 decimal places 10000. ALL 0. Inap. (No property, no additional property) NOTE: For timeshares, ownership is always taken as 100 percent. 1706 E18. How much in total is this property worth; I mean what 1806 would it bring if it were sold today? (EXCEPT FOR 1906 TIME SHARE, WE WANT THE TOTAL VALUE NOT JUST R'S SHARE. FOR E18-E33, NOTE IF R ONLY KNOWS THEIR SHARE.) Code actual amount -1. NOTHING 0. Inap. (No property, no additional property) 1707 E19. In what month and year did you first acquire any 1807 part of this property? (When did R acquire it?)--MONTH 1907 Code MONTH 0. Inap. (No property, no additional property) 1710 E19. CHECKPOINT: GIFT/INHERITANCE 1810 1910 1. Checked 5. Not checked 0. Inap. (No property, no additional property) 1708 E19. In what month and year did you first acquire any 1808 part of this property? (When did R acquire it?)--YEAR 1908 Code YEAR 0. Inap. (No property, no additional property) For the public use tape, the year is bottom-coded at 1920. 1709 E20. What was the total purchase price? (If 1809 gift/inheritance, ask value when received.) 1909 Code actual amount -1. NOTHING 0. Inap. (No property, no additional property) 1711 E21. Are there any outstanding loans or mortgages on this 1811 property? 1911 1. YES 5. NO 0. Inap. (No property, no additional property) 1712 E22. In what month and year did you obtain the loan or last 1812 refinance the loan?--MONTH 1912 Code MONTH 0. Inap. (No property, no additional property, no loan) 1713 E22. In what month and year did you obtain the loan or last 1813 refinance the loan?--YEAR 1913 Code YEAR 0. Inap. (No property, no additional property, no loan) 1714 E23. How much was borrowed or refinanced? 1814 1914 Code actual amount 0. Inap. (No property, no additional property, no loan) 1715 E24. How much is still owed? 1815 1915 Code actual amount 0. Inap. (No property, no additional property, no loan) 1716 E25. How many years or what number of payments were 1816 agreed upon when the loan was taken out?--# YEARS 1916 Code # YEARS -1. NO SET NUMBER 0. Inap. (No property, no additional property, no loan) 1717 E25. How many years or what number of payments were 1817 agreed upon when the loan was taken out?--# PAYMENTS 1917 Code # PAYMENTS -7. Number of years reported and no regular payments on loan. Number of payments cannot be computed. -1. NO SET NUMBER 0. Inap. (No property, no additional property, no loan) 9157 (1) R: Term of loan in months 9158 (2) 9159 (3) Code amount -1. NO SET NUMBER 0. Inap. (No property, no additional property, no loan) 1718 E26. How much are the payments and how often are they due? 1818 1918 Code actual amount -1. NO REGULAR PAYMENTS; NONE 0. Inap. (No property, no additional property, no loan, no set # or payments) 1719 E26. PER 1819 1919 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months -7. Other 0. Inap. (No property, no additional property, no loan, no set # or payments) 1720 E27. Do the payments include property taxes or insurance? 1820 (Which?) 1920 1. TAXES 2. INSURANCE 3. BOTH 4. NEITHER 0. Inap. (No property, no additional property, no loan, no set # or payments, no regular payments) 1721 E28. Will the regular payments repay the loan completely or 1821 will there be a balance payable, or "balloon" payment when 1921 the loan is due? 1. REPAY COMPLETELY 5. BALLOON 0. Inap. (No property, no additional property, no loan, no set # or payments, no regular payments) 1722 E28.1 What will the balance due or balloon payment be? 1822 1922 Code actual amount 0. Inap. (No property, no additional property, no loan, no set # or payments, no regular payments, no balloon) 1723 E29. What is the typical payment and how often is it made? 1823 1923 Code actual amount -1. NO TYPICAL PAYMENTS; NONE 0. Inap. (No property; no additional property; no loan; number of payments not "NO SET #" and payments not "NO REGULAR PAYMENTS") 1724 E29. PER 1824 1924 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No property; no additional property; no loan; number of payments not "NO SET #" and payments not "NO REGULAR PAYMENTS") 1725 E30. When do you expect this loan to be repaid? 1825 1925 Code YEAR 0. Inap. (No property; no additional property; no loan; number of payments not "NO SET #" and payments not "NO REGULAR PAYMENTS") 7554 E30.1 Is this loan being paid off ahead of schedule, 7553 behind schedule or are the payments about on 7552 schedule? 1. ON SCHEDULE 2. AHEAD OF SCHEDULE 3. BEHIND SCHEDULE 1726 E31. What is the current annual interest rate being charged on 1826 the loan? 1926 Code % to 2 decimal places -1. Zero; no interest 0. Inap. (No property, no additional properties, no loan) 1727 E32. Does this loan have an adjustable rate; that is does it 1827 have an interest rate that can rise and fall from time to 1927 time? 1. YES 5. NO 0. Inap. (No property, no additional properties, no loan) 1728 E33. (Please look at the Institutions Card.) Is this loan 1828 with any of the institutions on the Institutions Card, 1928 or from someplace else? (IF the Institutions Card: which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No property, no additional properties, no loan) 9099 (1) R: Type of institution 9100 (2) 9101 (3) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No property, no additional properties, no loan) 1729 E34. Did (you/your family living here) receive any income from 1829 this property in 1991? 1929 1. YES 5. NO 0. Inap. (No property, no additional properties) 1730 E34.1 How much gross income did (you/your family) receive? 1830 1930 Code actual amount -1. NOTHING 0. Inap. (No property, no additional properties, no income) E35 INTERVIEWER: IS THERE ANOTHER PROPERTY? 2001 E36. About the remaining properties that you (and your family living here) own, are any of these vacation homes or land you use for recreational purposes? 1. YES 5. NO 0. Inap. (3 or fewer properties) 2002 E36.1 How much in total is your (family's) share of these vacation homes or recreational property worth? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties) 2003 E36.2 What was your (family's) total purchase price for these properties? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (3 or fewer properties, no recreational properties) 2004 E36.2 GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (3 or fewer properties, no recreational properties) 2005 E36.3 Are there any mortgages or loans outstanding against these vacation homes or recreational land? 1. YES 5. NO 0. Inap. (3 or fewer properties, no recreational properties) 2006 E36.4 Altogether, about how much is owed on your (family's) share of these mortgages or loans? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties, no mortgage) 2007 E36.5 How much are the payments on these loans or mortgages and how often are they due? Code actual amount -1. NO REGULAR PAYMENT; NONE 0. Inap. (3 or fewer properties, no recreational properties, no mortgage) 2008 E36.5 PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (3 or fewer properties, no recreational properties, no mortgage) 2009 E36.6 Did you (or your family living here) receive any income in 1991 from renting out these vacation homes or recreational land? 1. YES 5. NO 0. Inap. (3 or fewer properties, no recreational properties) 2010 E36.7 Altogether, how much gross income did (you/your family) receive? Code actual amount 0. Inap. (3 or fewer properties, no recreational properties, no rent) 2011 E36.8 Are there any remaining properties you own that you have not told me details about? (ASKED DIRECTLY WHERE >=4 PROPERTIES AND E36=YES, INFERRED OTHERWISE FOR ALL HAVING >=4 PROPERTIES) 1. YES 5. NO 0. Inap. (3 or fewer properties) 2012 E37. For the remaining properties that you own, about how much in total is your (family's) share worth? I mean, what could you sell them for? Code actual amount -1. Nothing, almost nothing 0. Inap. (3 or fewer properties, no remaining properties) 2013 E37.1 About how much was your (family's) total purchase price for these properties? (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Code actual amount -1. Nothing; zero 0. Inap. (3 or fewer properties, no remaining properties) 2014 E37.1 GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (3 or fewer properties, no remaining properties) 2015 E37.2 Are there mortgages or loans outstanding against these properties? 1. YES 5. NO 0. Inap. (3 or fewer properties, no remaining properties) 2016 E37.3 Altogether, about how much is owed on your (family's) share of these mortgages or loans? Code actual amount -1. NOTHING 0. Inap. (3 or fewer properties, no remaining properties, no mortgage) 2017 E37.4 How much are the payments on these loans or mortgages and how often are they due? Code actual amount -1. NO REGULAR PAYMENT; NONE 0. Inap. (3 or fewer properties, no remaining properties, no mortgage) 2018 E37.4 PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (3 or fewer properties, no remaining properties, no mortgage) 2019 E37.5 Did you (or your family living here) receive any income in 1991 from renting out any of these other properties? 1. YES 5. NO 0. Inap. (3 or fewer properties, no remaining properties) 2020 E37.6 Altogether, how much gross income did (you/your family) receive in 1991? Code actual amount 0. Inap. (3 or fewer properties, no remaining properties, no rent) _____________________________________________________________________________ BUSINESSES ----------------------------------------------------------------------------- 3103 F3. Now I would like to ask you about any businesses you may own. Do you (and your family living here) own or share ownership in any privately-held businesses, farms, professional practices or partnerships? (SEE INSTRUCTION IN BOX ABOVE.) (asked of Rs who do not operate farm/ranch business, inferred for others) 1. YES 5. NO 3104 F4. Do you (or anyone in your family living here) have an active management role in any of these businesses? (INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.) (asked of Rs who do not operate farm/ranch business, inferred for others with businesses) 1. YES 5. NO 0. Inap. (No businesses) F2. Including your (farm/ranch) business here, in how many (farms/ranches), privately-held businesses, professional practices or partnerships do you (or your family living here) own or share ownership in and have an active management role? (INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.) (asked of Rs who operate farm/ranch business) F2.1 READ THE FOLLOWING: I will ask you first about your (farm/ranch) business. When we talk about the value of farm assets and liabilities here, please do not include the value of properties and loans I have already recorded. (INTERVIEWER: WE ONLY WANT TO PICK UP FARM IMPLEMENTS, LIVESTOCK, CROPS, ETC AND OPERATING LOANS OTHER THAN MORTGAGES RECORDED IN SECTION D.) RECORD # OF BUSINESSES (FROM F2) IN BOX F5 AT TOP OF NEXT PAGE, THEN SKIP TO QUESTION F5.1. 3105 F4.1 In how many businesses do you (or anyone in your family living here) have an active management role? (asked of Rs who do not operate farm/ranch business) Code # BUSINESSES 0. Inap. (No businesses, no businesses with active management role) For the public use tape, the number of such businesses is top-coded at 25. 3106 F5 # OF BUSINESSES 3107 F5.1 What kind of business is (it/the largest business/the next 3207 business) -- that is, what does the business make or do? 3307 1. Farm; nursery; train dogs; forest management; agricultural services; landscaping; fisheries 2. Restaurant; bar 3. Auto repair; car wash 4. Direct sales: Amway; Avon; Mary Kay; Tupperware; Stanley Home products 5. Contracting; construction services; plastering; painting; plumbing 6. Real estate; insurance 7. Professional practice, incl. law, medicine, architecture; accounting; bookkeeping 8. Beauty shop; barber shop 9. Manufacturing, incl. printing/publishing; oil field services 10. Gas station 11. Food/liquor store 12. Other retail and/or wholesale business (exc. 2, 4, 10,11) 13. Trucking; moving and storage; warehousing 14. Repair services (exc. auto, code 3): appliances, TV, upholstery, furniture, shoes 15. Personal services (exc. beauty shop, code 8): hotel, dry cleaners, funeral home 16. Entertainment services, incl. dance studio, drive-in theatre 17. Business management and consulting services 18. Other business services (exc. 17): advertising, equipment rental, computer programming, auctioneering, pest control 19. Banks and brokerage firms; mortgage/finance company 20. Communications; (cable) TV or radio stations 21. Goods 22. Investments -7. Other, incl. businesses operated outside U.S., other combinations of businesses 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3108 F6. How did you (or your family living here) first acquire this 3208 business; was it bought or invested in, started by you, 3308 inherited, given to you, or what? 1. BOUGHT/INVEST/BECAME PARTNER 2. STARTED 3. INHERITED 4. GIVEN -7. OTHER 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3110 F8. In what year did you (start/acquire) the business? 3210 3310 Code YEAR 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3111 F9. How many employees does it have including you (and members 3211 of your family)? 3311 Code # EMPL -1. No one working in business; business is about to be sold 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) For the public use tape, the number of employees is top-coded at 25000. 3112 F9.1 INTERVIEWER CHECKPOINT: R LIVES ALONE. 3212 3312 F9.2 Which members of your family living here work in the business? (Asked for R does not live alone, inferred for R lives alone) 3113 F9.2 A. R 3213 3313 3114 F9.2 B. SPOUSE 3214 3314 3115 F9.2 C. ADULT CHILD 3215 3315 3116 F9.2 D. OTHER ADULT IN HH 3216 3316 3117 F9.2 E. OTHER--Person(s) under 18 in HH 3217 3317 1. Checked 5. Not checked 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3118 F9.3 (Other than you [and your husband/wife/partner]), 3218 how many hours does the (other/most involved) family 3318 member work in this business in a normal week? Code HRS -1. None; zero hours 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, no one in family living there other than respondent and spouse works for business) 3119 F9.4 Is it a partnership, a sole proprietorship, a subchapter S 3219 corporation, another type of corporation, or what? 3319 1. PARTNERSHIP or related type 2. SOLE PROPRIETORSHIP 3. SUBCHAPTER S 4. OTHER CORPORATION, including C corporation 6. Foreign business type -7. OTHER 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3120 F10. Are you (or your family living here) using personal assets 3220 as collateral or did you have to cosign or guarantee any 3320 loans for this business? 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3121 F10.1 How much is guaranteed or collateralized? 3221 3321 Code actual amount 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, no cosigned loans or loan guarantees) 3122 F10.2 Did I record this earlier? 3222 3322 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, no cosigned loans or loan guarantees) 7551 F10.3 Which loan was that? 7550 7549 Code which loan up to 5 characters 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, no cosigned loans or loan guarantees, not recorded earlier) 3123 F11. (Other than guarantees,) does the business owe you (or 3223 your family living here) any money? 3323 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3124 F11.1 How much is owed? 3224 3324 Code actual amount 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, business does not owe R money) 3125 F12. Do you (or your family living here) owe the business any 3225 money? 3325 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3126 F12.1 How much do you owe? 3226 3326 Code actual amount 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, R and family do not owe business money) 3127 F12.2 Did I record this earlier? 3227 3327 1. YES 5. NO 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, R and family do not owe business money) 7548 F12.3 When was it mentioned? 7547 7546 Code which loan up to 5 characters 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role, R and family do not owe business money, not recorded earlier) 3128 F13. What percentage of the business do you (and your family 3228 living here) own? 3328 Code PERCENT to 2 decimal places 10000. ALL 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3129 F14. What is the net worth of your share? What could you 3229 sell it for? 3329 Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3130 F15. If you sold the business now, what would be the cost basis 3230 for tax purposes of this share? (What was your original 3330 investment?) Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3131 F16. What were the gross receipts or gross sales of the 3231 business as a whole in 1991? 3331 Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3132 F17. What was the business's total net income before taxes in 3232 1991? 3332 Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3134 F19 INTERVIEWER CHECKPOINT: IS THERE ANOTHER BUSINESS? 3234 3334 3335 F19.1 For the remaining business(es) you (and your family living here) own and actively manage, what could you sell your share for? (What is your share worth?) Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3336 F19.2 If you sold (these businesses/this business) now, what would be the cost basis for tax purposes of your share? (What was your original investment?) Code actual amount -1. NOTHING 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3337 F19.3 What was the total net income you (and your family living here) received from (these businesses/this business) in 1991? Code actual amount -1. NONE 0. Inap. (No businesses, no businesses with active management role, no further businesses with active management role) 3401 F20. Do you (or anyone in your family living here) own or have an interest in any other businesses or partnerships where you do not have an active management role? (Asked if R has business with managment interest, inferred for others with businesses) 1. YES 5. NO 3402 F20.1 How many of these (other) businesses or partnerships do you (and your family living here) own or share ownership in? Code NUMBER 0. Inap. (No businesses, no businesses without management role) #1: Limited partnerships #2: Other partnerships #3: S-corporations #4: Other corporations #5: Sole proprietorships #6: Other types 3407(#1) F20.2 Is it a sole-proprietorship, a limited partnership, 3411(#2) another type of partnership, a Subchapter S-corporation, 3415(#3) another type of corporation, or what? (ASKED IF 3419(#4) ONLY ONE BUSINESS) 3423(#5) F21. (I need to know what type of businesses these are.) Are 3427(#6) any of them (TYPE: Limited Partnerships, Other Partnerships, S-Corporations, Sole Proprietorships, Other Types)? (ASKED IF MORE THAN ONE BUSINESS) 1. YES 5. NO 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role) 7545 F21.7 Were you (or any of your family living here) ever involved in the active management of (this business/any of these businesses)? 1. YES 5. NO 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role) 3408(#1) F20.3 What could you sell your (family's) share for? (What is 3412(#2) it worth?) (ASKED IF ONLY ONE BUSINESS) 3416(#3) F22 What could you sell your (family's) share of all these 3420(#4) (TYPE) for? (What is it worth?) (ASKED IF MORE 3424(#5) THAN ONE BUSINESS) (INTERVIEWER: DOES R or S WORK 3428(#6) FOR A BUSINESS REPORTED IN THIS SECTION?) F22.1 Limited partnerships F22.2 Other partnerships F22.3 Subchapter S corporations F22.4 Other corporations F22.5 Sole proprietorships F22.6 Other type Code actual amount -1. Nothing; zero -2. LOSS; negative amount 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role) 3409(#1) F20.4 If you sold this (business/partnership) now, what would be 3413(#2) the cost basis for tax purposes? (What was your original 3417(#3) investment?) (ASKED IF ONLY ONE BUSINESS) 3421(#4) F23 If you sold these (TYPE) now, what would be the cost basis 3425(#5) for tax purposes of these shares? (What was your original 3429(#6) investment?) (ASKED IF MORE THAN ONE BUSINESS) F23.1 Limited partnerships F23.2 Other partnerships F23.3 Subchapter S corporations F23.4 Other corporations F23.5 Sole proprietorships F23.6 Other type Code actual amount -1. Nothing; zero -2. LOSS; negative amount 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role) 3410(#1) F20.5 What was the total net income you (and your family living 3414(#2) here) received from this (business/partnership) in 1991? 3418(#3) (ASKED IF ONLY ONE BUSINESS) 3422(#4) F24 What was the total net income you (and your family living 3426(#5) here) received from all such (TYPE) in 1991? (ASKED 3430(#6) IF MORE THAN ONE BUSINESS) Code actual amount -1. Nothing; zero 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role) F24.1 Limited partnerships F24.2 Other partnerships F24.3 Subchapter S corporations F24.4 Other corporations F24.5 Sole proprietorships F24.6 Other type 7544 F22 INTERVIEWER: DOES R OR S WORK FOR A BUSINESS REPORTED IN THIS SECTION? 1. RESPONDENT DOES 3. SPOUSE DOES 4. RESPONDENT AND SPOUSE DO 5. NO 0. Inap. (No businesses, no businesses without management role no TYPE businesses with active management role) ----------------------------------------------------------------------------- VEHICLES ----------------------------------------------------------------------------- 2101 G1. Are you (or anyone in your family living here) currently leasing any cars or other vehicles? (IF YES, SAY: Do not include any vehicle that is leased by a business.) 1. YES 5. NO 2102 G2. Altogether, how many cars or other vehicles do you (and your family living here) lease?--VEHICLE #1 Code # LEASED VEHICLES 0. Inap. (No leased vehicle) 2103 G3. What make and model is the (newest/next) vehicle? 2110 Enter MAKE/MODEL as given by R up to 25 characters 25 Spaces. Inap. (No leased vehicles) 2104 G4. What model year is it? 2111 Code YEAR 0. Inap. (No leased vehicles) For the public use tape, the model year is bottom-coded at 1940. 8163 (1) R: Value of vehicle 8164 (2) 2105 G5. How much are your monthly lease payments? 2112 Code $ amount -1. NO REGULAR PAYMENT; NONE 0. Inap. (No leased vehicles) 2106 G5. PER 2113 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No leased vehicles) 2107 G5.1 How many years or months was the original lease? 2114 (YRS) Code YRS 0. Inap. (No leased vehicles) 2108 G5.1 How many years or months was the original lease? 2115 (MOS) Code MOS 0. Inap. (No leased vehicles) 2109 G6 INTERVIEWER: IS THERE ANOTHER VEHICLE? 2116 2117 G6.1 Altogether, about how much per month are the lease payments on your other leased vehicle(s)? Code actual amount -1. NO REGULAR PAYMENTS; NONE 0. Inap. (No leased vehicles) 2118 G6.1 PER 1. Day 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No leased vehicles) 2201 G7. Do you (or anyone in your family here) own any cars, or any kind of truck, van, or jeep-type vehicle? Do not include motorcycles, tractors, snow blowers, etc. or any vehicles owned by a business. 1. YES 5. NO 2202 G7.1 Altogether, how many such cars or other vehicles do you (and your family living here) own? Code # OWNED VEHICLES 0. Inap. (No owned vehicle) 2203 G8. What type of vehicle is (it/the newest/the next)--(a car, 2303 van, jeep, pickup, or what?) 2403 1. CAR 2. VAN 3. JEEP/SPORT-UTILITY 4. PICKUP 5. Antique/classic/collector vehicle 6. Truck (except pickup) -7. OTHER 0. Inap. (No owned vehicle) For the public use tape, Antique/classic/collector vehicle (5) is set to -7. 2204 G9. What make and model is it? (2-WORD ANSWER: MAKE AND MODEL) 2304 2404 Enter MAKE/MODEL as given by R up to 25 characters 25 Spaces. Inap. (No owned vehicles) 2205 G10. What model year is it? 2305 2405 Code YEAR 0. Inap. (No owned vehicles) For the public use tape, the model year is bottom-coded at 1940. 8166 (1) R: Value of vehicle 8167 (2) 8168 (3) Code amount 0. Inap. (No owned vehicles) 7543 G11 Did you buy it new or used? 7542 7541 1. NEW 2. USED 0. Inap. (No owned vehicles) 7540 G11.1 In what year did you buy it? 7539 7538 Code Year 0. Inap. (No owned vehicles) 2422 G23.1 How much (is/are all) the other such vehicle(s) that you (and others in your family living here) own worth in today's prices? Code actual amount 0. Inap. (No owned vehicles) FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS" 2501 G24. Do you (or anyone in your family living here) have any (other) vehicles that are owned by a business but which you also use regularly for personal purposes? 1. YES 5. NO 2502 G24.1 How many such vehicles do you (or someone in your family living here) regularly use? Code # BUSINESS VEHICLES 0. Inap. (No business vehicles) 2503 G25. Do you (or anyone in your family here) own any other vehicles such as a motorhome, RV, boat, or airplane? (INTERVIEWER: DO NOT INCLUDE TRACTORS OR LAWN MOWERS.) 1. YES 5. NO 2504 G25.1 Altogether, how many of these other vehicles do you (and your family living here) own? Code # VEHICLES 0. Inap. (No other vehicle) 2505 G26. What type of vehicle is (it/the newest/the next)--(Is it a 2605 motorhome, RV, airplane, boat, or what?) 1. MOTORHOME (one piece that you drive) 2. RV (hauled by a car or truck); "trailer"--NA type; "travel trailer" 3. AIRPLANE; helicopter 4. BOAT 11. Motorcycle; motor scooter 12. Snowmobile 13. Golf cart 14. Non-automobile off-road vehicle 15. Misc. construction vehicle -7. OTHER 0. Inap. (No other vehicle) For the public use tape, Motorhomes (1) and RVs (2) are combined in 1; Boats (3) and Airplanes (4) are combined in 3; and Golf carts (13) and Snowmobiles (12) are combined in 12. 2506 G27. About how much is this (TYPE OF VEHICLE) worth? 2606 Code actual amount 0. Inap. (No other vehicle) G39 INTERVIEWER: IS THERE ANOTHER VEHICLE? 2623 G39.1 How much (is/are all) the other such vehicle(s) that you (and others in your family living here) own worth? Code actual amount 0. Inap. (No other vehicle) FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS" ----------------------------------------------------------------------------- EDUCATION LOANS ----------------------------------------------------------------------------- 7801 H1. Not counting credit cards or loans you may have told me about in detail, do you (and your family living here) own any money or have any loans for educational expenses? 1. Yes 5. No 7802 H2. How many such loans do you have? Code total # 0. Inap. (No loan) 7803 H3. (About the [largest/next] loan), in what month 7826 and year was this loan taken out? -- MONTH 7849 7903 Code MONTH (01-12) 7926 0. Inap. (No loan) 7949 7804 H3. (About the [largest/next] loan), in what month 7827 and year was this loan taken out? -- YEAR 7850 7904 Code YEAR 7927 0. Inap. (No loan) 7950 7805 H4. How much was borrowed or financed, not counting 7828 the finance charges? 7851 7905 7928 Code actual amount 7951 0. Inap. (No loan) 7806 H5. Are you paying this loan now? 7829 7852 7906 1. Yes 7929 5. No 7952 0. Inap. (No loan) 7807 H6. When will you start paying on this loan? -- MONTH 7830 7853 7907 Code MONTH (01-12) 7930 0. Inap. (No loan, paying on loan now) 7953 7808 H6. When will you start paying on this loan? -- YEAR 7831 7854 7908 Code YEAR 7931 0. Inap. (No loan, paying on loan now) 7954 7809 H7. Is interest accumulating on the loan? 7832 7855 7909 1. Yes 7932 5. No 7955 0. Inap. (No loan, paying on loan now) 7810 H8. When did you start paying this loan? (TAKE MOST 7833 RECENT TIME R BEGAN PAYING ON LOAN) -- MONTH 7856 7910 Code MONTH (01-12) 7933 0. Inap. (No loan, not paying on loan now) 7956 7811 H8. When did you start paying this loan? (TAKE MOST 7834 RECENT TIME R BEGAN PAYING ON LOAN) -- YEAR 7857 7911 Code YEAR 7934 0. Inap. (No loan, not paying on loan now) 7957 7812 H9. Is this a regular installment loan where you 7835 pay a fixed dollar amount each month for a 7858 fixed number of months until the loan is 7912 repaid, or some other kind? 7935 7958 1. Regular installment 2. Other kind 0. Inap. (No loan, not paying on loan now) 7813 H10. How many monthly payments or years were agreed upon 7836 when the loan was received? -- YEARS 7859 7913 7936 Code # YEARS 7959 -1. NO SET # 0. Inap. (No loan, not paying on loan now, not regular installment loan) -7. Term given in number of payments and PER for payment not available to compute number of years 7814 H10. How many monthly payments or years were agreed upon 7837 when the loan was received? -- PAYMENTS 7860 7914 Code # PAYMENTS 7937 -1. NO SET # 7960 0. Inap. (No loan, not paying on loan now, not regular installment loan) 9173() R. Term of loan in months 9174() 9175() 9176() 9177() 9178() 7815 H11 How much are the monthly payments? -- AMOUNT 7838 7861 Code $ amount 7915 -1. NO REGULAR PAYMENTS; NONE 7938 0. Inap. (No loan, not paying on loan now, not 7961 regular installment loan) 7816 HH11 PER 7839 7862 7916 2. Week 7939 4. Month 7962 5. Quarter 6. Year -7. Other 0. Inap. (No loan, not paying on loan now, not regular installment loan) 7817 H11.1 What is the typical payment and how often is it made? 7840 -- AMOUNT 7863 7917 Code $ amount 7940 -1. NO REGULAR PAYMENTS; NONE 7963 0. Inap. (No loan, not paying on loan now, not regular installment loan) 7818 H11.1 PER 7841 7864 2. Week 7918 4. Month 7941 5. Quarter 7964 6. Year -7. Other 0. Inap. (No loan, not paying on loan now, not regular installment loan) 7819 H12. In what month and year do you expect this loan to be 7842 repaid? -- MONTH 7865 7919 Code MONTH (01-12) 7942 0. Inap. (No loan, not paying on loan now, 7965 regular installment loan) 7820 H12. In what month and year do you expect this loan to be 7843 repaid? -- YEAR 7866 7920 Code MONTH (01-12) 7943 0. Inap. (No loan, not paying on loan now, 7966 regular installment loan) 7821 H13. Is this loan being paid off ahead of schedule, 7844 behind schedule, or are the payments about on 7867 schedule? 7921 7944 1. On schedule 7967 2. Ahead of schedule 3. Behind schedule 0. Inap. (No loan, not paying on loan now, regular installment loan) 7822 H14. What is the annual rate of interest being charged on 7845 this loan? 7868 7922 Code % to 2 decimal places 7945 -1. Zero; no interest 7968 0. Inap. (No loan) 7823 H15. Please look at the Institutions Card. Is this loan 7846 with any of the Institutions on the Institutions 7869 Card, or from someplace else? (IF INSTITUTIONS CARD: 7923 WHICH INSTITUTION?) (IF SOMEPLACE ELSE: WHAT TYPE OF 7946 INSTITUTION IS THAT?) 7969 INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No loan) 9203 R. Type of institution. 9204 9205 See FINANCIAL INSTITUTIONS master reference list 9206 0. Inap. (No loan) 9207 9208 7824 H16. How much is still owed on this loan? 7847 7870 7924 Code actual amount 7947 0. Inap. (No loan) 7970 7825 H17. INTERVIEWER: IS THERE ANOTHER LOAN? 7848 7871 1. Yes 7925 5. No 7948 0. Inap. (No loan) 7971 ----------------------------------------------------------------------------- CONSUMER LOANS ----------------------------------------------------------------------------- THIS SECTION CONTAINS LOANS ORIGINALLY ASKED IN SECTION D (OTHER LOANS FOR THE PURCHASE OF THE PRINCIPAL RESIDENCE -- LOANS 7 BELOW, HOME IMPROVEMENT LOANS -- LOANS 8 AND 9 BELOW), SECTION G (OWN VEHICLES -- LOANS 10 THROUGH 13 BELOW, OTHER VEHCICLES -- LOANS 14 THROUGH 16 BELOW), AND SECTION H (ALL CONSUMER LOANS -- LOANS 1 THROUGH 6 BELOW). NOTE: THERE MAY BE SOME DEVIATIONS FROM THE STRUCTURE OF INAPPLICABLE ANSWERS NOTED BELOW. IN CASES WHERE THE RESPONDENT DID NOT KNOW WHETHER THE TYPE OF LOAN WAS "REGULAR INSTALLMENT" OR DID NOT KNOW THE TERM OF THE LOAN, RESPONDENTS WERE ASKED ABOUT THEIR TYPICAL PAYMENTS AND WHEN THEY EXPECT THE LOAN TO BE REPAID. DATA WILL REMAIN IN THESE VARIABLES WHEN THE LOAN TYPE IS SUBSEQUENTLY IMPUTED TO BE "REGULAR INSTALLMENT" OR IN ALL CASES WHERE THE TERM WAS MISSING. WHILE THIS MAY CAUSE SOME CONFUSION, IT SEEMS THE BEST WAY OF PRESERVING THE ORIGINAL RESPONSES TO THE QUESIONNAIRE. SECTION I. OTHER LOANS I1. Not counting credit cards or loans you have already told me about, do you (and your family living here) owe any money on loans for: I1.1 ..household appliances, furniture, or hobby or recreational equipment? I1.2 ..loans for educational expenses or medical bills? I1.3 ..loans from friends or relatives? I1.4 ..any other loans? (IF R ASKS: INCLUDE CHECKING ACCOUNT OVERDRAFTS. DO NOT INCLUDE LIFE INS. POLICY LOANS.) 1. YES 5. NO I2.1 FOR EACH "YES", ASK: How many such loans do you have? I2.2 I2.3 Code # I2.4 0. Inap. 2709 I3. IWER CHECKPOINT: ADD TOTAL NUMBER OF LOANS FROM I2.1 - I2.4 Code TOTAL # -1. NONE 2710(1a) I4. What was (this/the largest/the next) loan for?--LOAN #1 2727(2a) 2810(3a) 2827(4a) 2910(5a) 2927(6a) LOAN PURPOSE MASTER CODE HOME PURCHASE, ADDITION OR REPAIR OF CURRENT RESIDENCE 01. Own home purchase 03. Home improvement or addition (incl. assessments for sewer/ sidewalk, etc.) 04. Home repairs/maintenance/upkeep CAR/HOUSEHOLD DURABLE GOODS 10. Car 11. Refrigerator 12. Stove/Range; microwave oven 13. Dishwasher 14. Freezer 15. Air conditioner 16. Washing machine (incl. washer/dryer combination) 17. Dryer 18. Furniture (excluding pianos and organs--see 34); lamps; mattress and spring combinations; rug and/or carpet; other household furnishings 20. Vacuum cleaners 23. Home computer; calculator; computer terminal 24. Truck/jeep/utility vehicle 25. Combination of appliances (incl. TV); "appliances"--NA type 26. Combination of furniture + appliances 29. Other appliances or durable goods; sewing machine; typewriter SMALL/INDOOR HOBBY OR ENTERTAINMENT GOODS 31. Stereo; phonograph (may include radio); include sound equipment, amplifiers here; radio (AM or FM); tuner; CB equipment; tape recorder, tape player (cassette or reel-to- reel); CD player 34. Piano; organ 35. Musical instruments (excluding pianos and organs) 36. TV--color or black and white; "home entertainment center" (incl. combination TV, radio, phonograph); video cassette recorder/player (VCR); video camera (Cam-corder) 49. Other small/indoor hobby or entertainment items (incl. pool tables and regular cameras) 50. Power tools and yard equipment OUTDOOR HOBBY AND RECREATION GOODS 61. Boat; boating equipment (including trailer) 63. Motorcycles; bicycle; moped; snowmobiles; off-road vehicles 65. Camper-trailers; "RV"--NFS 67. Cottage; vacation property; mobile homes--seasonal residence (if current residence, code 01); "motorhome"; "second home" 69. Other outdoor recreation items; horse SAVINGS AND INVESTMENTS High 71. Invest in Bus #1 (from Section M) Priority 72. " " Bus #2 " " " 73. " " Bus #3 " " " 74. Invest in own business, other than 71-73 or NA which or all 75. Business investment (own) (exc. 71-74), incl. businesses now defunct 76. Other asset investment; bought stocks/bonds; IRA deposit; gold; "investment" -- NFS 78. Investment real estate (incl. cemetery plots and additions and repairs to investment property); farmland (exc. 71-74); include businesses of self-employed R's who don't report a business in the M section 79. Other investments SPECIAL EXPENSES 81. Travel/vacation expenses 82. Medical/dental expenses; attorney's fees 83. Education/school expenses 84. Tax and insurance expenses (exc. vehicle, code 93) 85. Weddings/funerals 88. Moving expenses 89. Other special expenses; encyclopedia; health membership MISCELLANEOUS PERSONAL NEEDS 90. "Personal loan"--NA what for 91. Bill consolidation; "bills" 92. Personal items, incl. clothing, jewelry 93. Vehicle repair/upkeep (incl. insurance) 94. Gifts; goods or gifts of money; "Christmas" 95. Living/general expenses 96. Loans made to others; "loaned friend/son money for a house" -7. Other (incl. combinations) 0. Inap. (No loan) 1032(7) D41. Do you (and your family living here) owe money on any (other) loans used for the purchase of this property, such as loans from relatives or the seller? (Please do not include any home equity lines of credit.) (OTHER LOANS FOR PURCHASE OF PRINCIPAL RESIDENCE) 1203(8) D54.2 Other than what I have already recorded, do you (or your family living here) owe any money on loans taken out for these projects? (HOME IMPROVEMENT LOANS) 1218(9) D65. Do you owe money on more than one loan for home additions or improvements? (HOME IMPROVEMENT LOANS) 2206(10) G12. Not counting any loans I've already recorded, is any money 2306(11) still owed on loans for this (MAKE/MODEL)? 2406(12) (OWN VEHICLE GRID) 2423(13) G23.2 Not counting loans I have already recorded, is any money still owed on loans for (this/these) vehicle(s)? (LOANS ON OWN VEHICLES BEYOND THE 3RD VEHICLE) 2507(14) G28. Not counting any loans that I have already recorded, is any 2607(15) money still owed on loans for this (TYPE OF VEHICLE)? (OTHER VEHICLE GRID) 2624(16) G39.2 Not counting loans I have already recorded, is any money still owed on loans for (this/these) vehicle(s)? (LOANS ON OTHER VEHICLES BEYOND THE 2ND VEHICLE) 1. YES 5. NO 0. Inap. (Not homeowner/no home improvements on current own home/only 3 or fewer own vehicles/ only 2 or fewer other vehicles) 2712(1) I5. In what month and year was this loan taken out?--MONTH 2729(2) 2812(3) 2829(4) 2912(5) 2929(6) 1033(7) D42. In what month and year was this loan taken out?--MONTH 1204(8) D55. In what month and year was the most recent such loan taken out?--MONTH 2207(10) G13. In what month and year was the loan taken out?--MONTH 2307(11) 2407(12) 2508(14) G29. In what month and year was the loan taken out?--MONTH 2608(15) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code MONTH (01-12) 0. Inap. (No loan) 2713(1) I5. In what month and year was this loan taken out?--YEAR 2730(2) 2813(3) 2830(4) 2913(5) 2930(6) 1034(7) D42. In what month and year was this loan taken out?--YEAR 1205(8) D55. In what month and year was the most recent such loan taken out?--YEAR 2208(10) G13. In what month and year was the loan taken out?--YEAR 2308(11) 2408(12) 2509(14) G29. In what month and year was the loan taken out?--YEAR 2609(15) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code YEAR (1949-1990) 0. Inap. (No loan) 2714(1) I6. How much was borrowed or financed, not counting the 2731(2) finance charges? 2814(3) 2831(4) 2914(5) 2931(6) 1035(7) D43. How much was borrowed, not including finance charges? 1206(8) D56. How much was borrowed, not including finance charges? 2209(10) G14. How much was borrowed or financed? 2309(11) 2409(12) 2510(14) G30. How much was borrowed or financed, not counting the 2610(15) finance charges? (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code actual amount 0. Inap. (No loan) 2715(1) I7. Is this a regular installment loan where you pay a fixed 2732(2) dollar amount each month for a fixed number of months 2815(3) until the loan is repaid, or some other kind? 2832(4) 2915(5) 2932(6) 1036(7) D44. Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? 1207(8) D57. Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? 2210(10) G15. Is this a regular installment loan where you pay a fixed 2310(11) dollar amount each month for a fixed number of months 2410(12) until the loan is repaid, or some other kind? 2511(14) G31. Is this a regular installment loan where you pay a fixed 2611(15) dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) 1. REGULAR INSTALLMENT 2. OTHER KIND 0. Inap. (No loan) 2716(1) I8. How many monthly payments or years were agreed upon when 2733(2) the loan was received?--# PAYMENTS 2816(3) 2833(4) 2916(5) 2933(6) 1037(7) D45. How many monthly payments or years were agreed upon when the loan was received?--# PAYMENTS 1208(8) D58. How many monthly payments or years were agreed upon when the loan was received?--# PAYMENTS 2211(10) G16. How many monthly payments or years were agreed upon when 2311(11) the loan was received?--# PAYMENTS 2411(12) 2512(14) G32. How many monthly payments or years were agreed upon when 2612(15) the loan was received?--# PAYMENTS (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code # PAYMENTS -7. Number of years reported and no regular payments on loan. Number of payments cannot be computed. -1. NO SET # 0. Inap. (No loan, type of loan "OTHER KIND") 2717(1) I8. How many monthly payments or years were agreed upon when 2734(2) the loan was received?--# YEARS 2817(3) 2834(4) 2917(5) 2934(6) 1038(7) D45. How many monthly payments or years were agreed upon when the loan was received?--# YEARS 1209(8) D58. How many monthly payments or years were agreed upon when the loan was received?--# YEARS 2212(10) G16. How many monthly payments or years were agreed upon when 2312(11) the loan was received?--# YEARS 2412(12) 2513(14) G32. How many monthly payments or years were agreed upon when 2613(15) the loan was received?--# YEARS (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code # YEARS -1. NO SET # 0. Inap. (No loan, type of loan "OTHER KIND") -7. Term given in number of payments and PER for payment not available to compute number of years 9160(7) R. Term of loan in months 9161(8) 9162(10) Code # months 9163(11) -1. No set term 9164(12) 0. Inap. (No loan) 9165(14) 9166(15) 9167(1) 9168(2) 9169(3) 9170(4) 9171(5) 9172(6) 2718(1) I9. How much are the monthly payments? 2735(2) 2818(3) 2835(4) 2918(5) 2935(6) 1039(7) D46. How much are the monthly payments? 1210(8) D59. How much are the monthly payments? 1220(9) D65.2 Altogether, how much are the monthly payments? 2213(10) G17. How much are the monthly payments? 2313(11) 2413(12) 2425(13) G23.4 How much are the total monthly payments on (this/these) loans? 2514(14) G33. How much are the monthly payments? 2614(15) 2626(16) G39.4 How much are the total monthly payments on (this/these) loan(s)? Code $ amount -1. NO REGULAR PAYMENTS; NONE 0. Inap. (No loan, type of loan "OTHER KIND," "NO SET # OF PAYMENTS) 7527(1) I9 7526(2) 7525(3) 7524(4) 7523(5) 7522(6) 7567(7) D46 PER 7565(8) D59 PER 1221(9) D65.2 PER 7537(10) G17 PER 7536(11) 7535(12) 2426(13) G23.4 PER 7531(14) G33 PER 7530(15) 2627(16) G39.4 PER I9 PER (NOTE: NOT ASKED FOR LOANS 1-8, 10-12, AND 14-15) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No loan, type of loan "OTHER KIND," "NO SET # OF PAYMENTS) 2719(1) I10. What is the typical payment and how often is it made? 2736(2) 2819(3) 2836(4) 2919(5) 2936(6) 1040(7) D47. What is the typical payment, and how often is it made? 1211(8) D60. What is the typical payment, and how often is it made? 2214(10) G18. What is the typical payment and how often is it made? 2314(11) 2414(12) 2515(14) G34. What is the typical payment and how often is it made? 2615(15) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code $ amount -1. NO TYPICAL PAYMENT; NONE 0. Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS") 2720(1) I10. PER 2737(2) 2820(3) 2837(4) 2920(5) 2937(6) 1041(7) D47. PER 1212(8) D60. PER 2215(10) G18. PER 2315(11) 2415(12) 2516(14) G34. PER 2616(15) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum; one payment only 11. Twice per year; every 6 months 12. Bimonthly -1. NO REGULAR PAYMENTS -7. Other 0. Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS") 2721(1) I11. In what month and year do you expect this loan to be 2738(2) repaid?--MONTH 2821(3) 2838(4) 2921(5) 2938(6) 1042(7) D48. In what month and year do you expect this loan to be repaid?--MONTH 1213(8) D61. In what month and year do you expect this loan to be repaid?--MONTH 2216(10) G19. In what month and year do you expect this loan to be 2316(11) repaid?--MONTH 2416(12) 2517(14) G35. In what month and year do you expect this loan to be 2617(15) repaid?--MONTH (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code MONTH 0. Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS") 2722(1) I11. In what month and year do you expect this loan to be 2739(2) repaid?--YEAR 2822(3) 2839(4) 2922(5) 2939(6) 1043(7) D48. In what month and year do you expect this loan to be repaid?--YEAR 1214(8) D61. In what month and year do you expect this loan to be repaid?--YEAR 2217(10) G19. In what month and year do you expect this loan to be 2317(11) repaid?--YEAR 2417(12) 2518(14) G35. In what month and year do you expect this loan to be 2618(15) repaid?--YEAR (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code YEAR -1. NEVER; won't ever be repaid 0. Inap. (No loan; loan "REGULAR INSTALLMENT;" number of payments not "NO SET #" and monthly payments not "NO REGULAR PAYMENTS") 2723(1) I12. How much is still owed on this loan? 2740(2) 2823(3) 2840(4) 2923(5) 2940(6) 1044(7) D49. How much is still owed on this loan? 1215(8) D62. How much is still owed on this loan? 1219(9) D65.1 Altogether, how much is still owed on other loans for additions or improvements? 2218(10) G20. How much is still owed on this loan? 2318(11) 2418(12) 2424(13) G23.3 Altogether, about how much is still owed on (this/these) , loan(s)? (ACCEPT RANGE.) 2519(14) G36. How much is still owed on this loan? 2619(15) 2625(16) G39.3 Altogether, about how much is still owed on (this/these) loan(s)? (ASKED DIRECTLY FOR CASES WITH "OTHER KIND" OF LOAN, FOR CASES WITH NO SET # OF PAYMENTS, AND FOR CASES WITH NO REGULAR MONTHLY PAYMENTS; COMPUTED FOR ALL OTHER CASED USING TERMS OF LOAN) Code actual amount 0. Inap. (No loan) 2724(1) I13. What is the current annual rate of interest being charged 2741(2) on this loan? 2824(3) 2841(4) 2924(5) 2941(6) 1045(7) D50. What is the current annual rate of interest being charged on this loan? 1216(8) D63. What is the current annual rate of interest being charged on this loan? 2219(10) G21. What is the current annual rate of interest being charged 2319(11) on this loan? 2419(12) 2520(14) G37. What is the current annual rate of interest being charged 2620(15) on this loan? (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) Code % to 2 decimal places -1. Zero; no interest 0. Inap. (No loan) 7521(1) I12.1 Is this loan being paid off ahead of schedule, 7520(2) behind schedule or are the payments about on schedule? 7519(3) 7518(4) 7517(5) 7516(6) 7566(7) D49.1 Are you paying off this loan ahead of schedule, behind schedule or are the payments about on schedule? 7564(8) D62.1 Are you paying off this loan ahead of schedule, behind schedule or are the payments about on schedule? 7534(10) G20.1 Is this loan being paid off ahead of schedule, 7533(11) behind schedule or are the payments about on schedule? 7532(12) 7529(14) G36.1 Is this loan being paid off ahead of schedule, 7528(15) behind schedule or are the payments about on schedule? 1. On schedule 2. Ahead of schedule 3. Behind schedule 0. Inap. (No loan) 2725(1) I14. (Please look at the Institutions Card.) Is this loan with any of the institutions on the Institutions Card, 2742(2) or from someplace else? 2825(3) (IF the Institutions Card: Which institution?) 2842(4) (IF SOMEPLACE ELSE: What type of institution is that?) 2925(5) 2942(6) 1046(7) D51. Please look at the Institutions Card. Is the loan with any of the institutions on the Institutions Card, or from someplace else? (IF the Institutions Card: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) 1217(8) D64. (Please look at the Institutions Card.) Is the loan with any of the institutions on the Institutions Card, or from someplace else? (IF the Institutions Card: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) 2220(10) G22. (Please look at the Institutions Card.) Is the loan with any of the institutions on the Institutions Card, 2320(11) or from someplace else? 2420(12) (IF the Institutions Card: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) 2521(14) G38. (Please look at the Institutions Card.) Is the loan with any of the institutions on the Institutions Card, 2621(15) or from someplace else? (IF the Institutions Card: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No loan) 9107(1) R: Type of institution 9108(2) 9109(3) 9110(4) 9111(5) 9112(6) 9086(7) R: Type of institution 9090(8) R: Type of institution 9102 (10) R: Type of institution 9103 (11) 9104 (12) 9105 (14) R: Type of institution 9106 (15) (NOTE: NOT AVAILABLE FOR LOANS 9, 13, AND 16) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No loan) ----------------------------------------------------------------------------- FINANCIAL AND OTHER ASSETS, MISC. ----------------------------------------------------------------------------- 3501 N1. Now I'd like to ask about different types of assets that you might have. First, do you (or anyone in your family living here) have any checking accounts? 1. YES 5. NO 3502 N2. Have you (or anyone in your family living here) ever had a checking account? 1. YES 5. NO 0. Inap. (R has checking account) 3503 N2.1 (SHOW CARD 12) Looking at this list, please tell me which is the most important reason (you don't/your family doesn't) have a checking account. 1. DON'T WRITE ENOUGH CHECKS TO MAKE IT WORTHWHILE 2. MINIMUM BALANCE IS TOO HIGH 3. DO NOT LIKE DEALING WITH BANKS 4. SERVICE CHARGES ARE TOO HIGH 5. NO BANK HAS CONVENIENT HOURS OR LOCATION 20. Don't need/want an account 21. Credit problems; bankruptcy 95. Don't have (enough) money 96. Can't manage/balance a checking account -7. OTHER 0. Inap. (R has checking account) 3504 N3. (Not using the booklet.) How many checking accounts do you (and your family living here) have? (IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS ONLY IF THEY ARE USED AS CHECKING ACCOUNTS) Code # ACCOUNTS 0. Inap. (No checking accounts) 3505(#1) N4. (Please look at the Institutions Card.) (Thinking 3509(#2) about your main checking account, the one 3513(#3) used to write most of your checks, / About the next 3517(#4) account) is this account with any 3521(#5) of the institutions on the Institutions Card, 3525(#6) or from someplace else? (IF the Institutions Card: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK THE INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No checking accounts, no further checking accounts) 9113 (1) R: Type of institution 9114 (2) 9115 (3) 9116 (4) 9117 (5) 9118 (6) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No checking accounts, no further checking accounts) 3506(#1) N5. How much is in this account? (What was the average over 3510(#2) the last month?) 3514(#3) 3518(#4) Code actual amount 3522(#5) -1. Nothing; zero 3526(#6) 0. Inap. (No checking accounts, no further checking accounts) 3507(#1) N6. Is this a money market-type account? 3511(#2) 3515(#3) 1. YES 3519(#4) 5. NO 3523(#5) 0. Inap. (No checking accounts, no further 3527(#6) checking accounts) 7600(#1) N6.1 INTERVIEWER CHECKPOINT: IS R MARRIED OR LIVING 7602(#2) WITH A PARTNER? 7604(#3) 7606(#4) 1. YES 7608(#5) 5. NO 7610(#6) 0. Inap. (No checking accounts, no further checking accounts) 7601(#1) N6.2 Is this a joint account with your 7603(#2) husband/wife/partner, is the account in your name, 7605(#3) your (husband's/wife's/partner's) name, or something 7607(#4) else? 7609(#5) 7611(#6) 1. JOINT ACCOUNT 2. RESPONDENT'S ACCOUNT 3. SPOUSE'S ACCOUNT 4. Other family member's account 5. CHILD ONLY 6. CHILD AND RESPONDENT'S/SPOUSE 7. OTHER RELATIVE 8. OTHER RELATIVE WITH RESPONDENT OR SPOUSE 9. UNRELATED PERSON, NFS 10. UNRELATED PERSON WITH RESPONDENT OR SPOUSE 50. Trust account 51. Personal business account -7. OTHER 0. Inap. (No checking accounts, no further checking accounts, not married/living with partner) 3508 N7 INTERVIEWER: Is there another account? 3512 3516 3520 1. YES 3524 5. NO 3528 0. Inap. (No checking accounts, no further checking accounts) 3529 N8. How much is in all your (family's) remaining checking accounts? (What was the average over the last month?) Code actual amount 0. Inap. (No checking accounts, no further checking accounts) 3530 N9. (SHOW CARD 13) Which of the reasons on this card is the most important reason (you/your family living here) chose the institution that you did for your main checking account? Was it because of the location of their offices, because they had the lowest fees or minimum balance requirement, because you were able to obtain many services at one place, because they offered safety and an absence of risk, or some other reason? 1. Recommended; reputation 2. Low interest rate on loans 3. LOCATION OF OFFICES 4. Other business done here 5. Easy to qualify (for credit); only place that would give us a loan 6. MANY SERVICES IN ONE PLACE 7. LOW FEES or service charges; they pay interest on account(s); best interest on accounts 8. SAFETY 9. Other convenience mentions: payroll deduction feature; "convenience"--NFS; best service 11. Personal relationship; they know me; know/like them; R/Spouse works there; friendly 12. Spouse opened the account 13. Bank bought by another institution 14. Always done business there; banked there a long time 23. Advertisement 24. Convenient hours 25. No particular reason 26. No other institutions 27. Gift for opening account; other promotion -7. OTHER 0. Inap. (No checking accounts) 3531 N9.1 For how many years (have you/has someone in your family living here) done business with this institution? Code YEARS -1. LESS THAN ONE YEAR 0. Inap. (No checking accounts) 3601 N10. Do you (or anyone in your family here) have any Individual Retirement Accounts, that is, IRA or Keogh accounts? 1. YES 5. NO #1: Respondent #2: Spouse #3: Other family members N10.1 Who has IRA or Keogh accounts? 3602 N10.1 RESPONDENT 3612 N10.1 SPOUSE ACCOUNTS 3622 N10.1 OTHER PERSONS 1. YES 5. NO (or: no spouse or partner in PEU: X107^=1/no other PEU members: (X113, X119, X125, X131, X137, X207, X213, X219, X225, X231)^=1) 0. Inap. (No IRA/Keogh accounts: X3601^=1) 3603 N11. How many IRA and Keogh accounts [do you/does (PERSON)] have? 3613 3623 Code # ACCTS 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) N12. About (PERSON'S) accounts (are these/is this an) IRA or Keogh account(s)? (CHECK ALL THAT APPLY.) 3604 N12.1 IRA 3614 3624 1. Checked (IRA) 5. Not checked 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) 3605 N12.2 KEOGH 3615 3625 1. Checked 5. Not checked 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) 3606 (#1a) N13. (Please look at the Institutions Card.) (Is this/Are 3607 (#1b) they) with any of the institutions on the 3608 (#1c) Institutions Card, or from someplace else? 3609 (#1d) (CODE ALL THAT APPLY.) 7501 (#1e) (IF the Institutions Card: Which institution(s)?) 3616 (#2a) (IF SOMEPLACE ELSE: What type(s) of institution(s)? 3617 (#2b) (INTERVIEWER: UPDATE CARD IF NEW INSTITUTION MENTIONED.) 3618 (#2c) See FINANCIAL INSTITUTIONS master reference list 3619 (#2d) 7502 (#2e) 0. Inap. (No IRA or Keogh accounts, PERSON has no 3626 (#3a) IRA or Keogh accounts) 3627 (#3b) 3628 (#3c) 3629 (#3d) 7503 (#3e) 9119 (#1a) R: Type of institution 9120 (#1b) 9121 (#1c) 9122 (#1d) 9209 (#1e) 9123 (#2a) 9124 (#2b) 9125 (#2c) 9126 (#2d) 9210 (#2e) 9127 (#3a) 9128 (#3b) 9129 (#3c) 9130 (#3d) 9211 (#3e) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) 3610 N14. How much in total is in (PERSON'S) account(s)? 3620 3630 Code actual amount 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) 3611 N14.1 INTERVIEWER: IS THERE ANOTHER HOUSEHOLD MEMBER WITH 3621 AN ACCOUNT? 0. Inap. (No IRA or Keogh accounts, PERSON has no IRA or Keogh accounts) 3631 N15. How is the money in (this/all of your [family's]) IRA and Keogh account(s) invested? Is most of it in CDs or other bank accounts, most of it in stocks, most of it in bonds or similar assets, or what? 1. CD'S/BANK ACCOUNTS; "money market" 2. STOCK; "mutual funds" 3. BONDS/SIMILAR ASSETS; T-bills; Treasury notes 4. Combination of 1, 2, and 3; "mixed"/"diversified"--NFS 5. Combination of 2 & 3 above 6. Combination of 1 & 2 above 7. Life insurance; annuities 8. Real estate; other investments -7. OTHER (incl. combinations exc. 5 & 6 above) 0. Inap. (No IRA or Keogh accounts) 3701 N16. Not including any accounts I have already recorded, do you (or anyone in your family here) have any money market accounts? 1. YES 5. NO 3702 N16.1 Altogether, how many money market accounts do you (and your family living here) have? Code # OF MONEY MARKET ACCOUNTS 0. Inap. (No money market accounts) 3703(#1) N17. Does the (largest/next) account have check-writing 3708(#2) privileges? 3713(#3) 1. YES 5. NO 0. Inap. (No money market accounts, no further money market accounts) 3704(#1) N18. Is this a tax-free money market account? 3709(#2) 3714(#3) 1. YES 5. NO 0. Inap. (No money market accounts, no further money market accounts) 3705(#1) N19. (Please look at the Institutions Card.) Is this 3710(#2) account with any of the institutions on the 3715(#3) Institutions Card, or from someplace else? (IF the Institutions Card: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No money market accounts, no further money market accounts) 9131 (1) R: Type of institution 9132 (2) 9133 (3) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No money market accounts, no further money market accounts) 3706(#1) N20. How much is in this account? 3711(#2) 3716(#3) Code actual amount -1. Zero; none now 0. Inap. (No money market accounts, no further money market accounts) 7612(#1) N20.1 CHECKPOINT: Look at the HHL (page HHL-1). Is R 7614(#2) married or living with a partner? 7616(#3) 1. YES 5. NO 0. Inap. (No money market accounts, no further money market accounts) 7613(#1) N20.2 Is this a joint account with your 7615(#2) (husband/wife/partner), is the account in your name, your 7617(#3) (husband's/wife's/partner's) name, or something else? 1. JOINT ACCOUNT 2. RESPONDENT'S ACCOUNT 3. SPOUSE'S ACCOUNT 5. CHILD ONLY 6. CHILD AND RESPONDENT'S/SPOUSE 7. OTHER RELATIVE 8. OTHER RELATIVE WITH RESPONDENT OR SPOUSE 9. UNRELATED PERSON, NFS 10. UNRELATED PERSON WITH RESPONDENT OR SPOUSE 50. Trust account -7. OTHER 0. Inap. (No money market accounts, no further money market accounts, not married/living with partner) 3707(#1) N21 INTERVIEWER: Is there another account? 3712(#2) 3717(#3) 1. YES 5. NO 0. Inap. (No money market accounts, no further money market accounts) 3718 N21.1 How much is in all your (family's) remaining money market accounts? Code actual amount 0. Inap. (No money market accounts, no further money market accounts) 3719 N22. Do you (or anyone in your family here) have any CDs or certificates of deposit at financial institutions? (IF YES, SAY: Please do not include CDs that are part of IRAs or Keoghs.) (IF R ASKS: CDs ARE CERTIFICATES HELD FOR A SET PERIOD OF TIME THAT MUST BE CASHED OR RENEWED AT THE MATURITY DATE.) 1. YES 5. NO 3720 N22.1 Altogether, how many such CDs do you (and your family living here) have? Code # CERTIFICATES 0. Inap. (No CDs) For the public use tape, the number of CD's is top-coded at 150. 3721 N22.2 What is the total dollar value of (this/all these) CDs? Code actual amount 0. Inap. (No CDs) 3722 N22.3 (Please look at the Institutions Card.) (Is this/Are 3723 these) CDs with any of the institutions on the 3724 Institutions Card, or from someplace else? 3725 (CHECK ALL THAT APPLY) 7618 (IF the Institutions Card: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No CDs, no further institutions) 9134 (1) R: Type of institution 9135 (2) 9136 (3) 9137 (4) 9214 (5) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No CDs, no further institutions) 7619 N22.4 CHECKPOINT: Check the HHL (page HHL-1). Is R married or living with a partner? 1. YES 5. NO 0. Inap. (No CDs) 7620 N22.5 Is (the money in this CD/most of the money in these CDs) held jointly with your (husband/wife/partner), is (it/most of it) in your name, your (husband's/wife's/partner's) name, or something else? 1. JOINT ACCOUNT 2. RESPONDENT'S ACCOUNT 3. SPOUSE'S ACCOUNT 5. CHILD ONLY 6. CHILD AND RESPONDENT'S/SPOUSE 7. OTHER RELATIVE 8. OTHER RELATIVE WITH RESPONDENT OR SPOUSE 9. UNRELATED PERSON, NFS 10. UNRELATED PERSON WITH RESPONDENT OR SPOUSE 11. R and Spouse have equal holdings in separate accounts 12. Other arrangements between R and Spouse 50. Trust account -7. OTHER 0. Inap. (No CDs) 3801 N23. Do you (or anyone in your family living here) have any (other) accounts at banks, savings and loan associations, or credit unions? These could be passbook accounts, share accounts, Christmas Club accounts, or any other type of savings account. 1. YES 5. NO 3802 N23.1 Altogether, how many such accounts do you (and your family living here) have? Code # ACCOUNTS 0. Inap. (No savings accounts) 3803(#1) N24. (Please look at the Institutions Card.) Is the 3806(#2) (next) largest account with any of the 3809(#3) institutions on the Institutions Card, or 3812(#4) from someplace else? 3815(#5) (IF the Institutions Card: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No savings accounts, no further savings accounts) 9138 (#1) R: Type of institution 9139 (#2) 9140 (#3) 9141 (#4) 9142 (#5) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No savings accounts, no further savings accounts) 3804(#1) N25. How much is in this account? 3807(#2) 3810(#3) Code actual amount 3813(#4) 3816(#5) -1. Nothing; zero 0. Inap. (No savings accounts, no further savings accounts) 7621(#1) N25.1 CHECKPOINT: Check the HHL (page HHL-1). Is R 7623(#2) married or living with a partner? 7625(#3) 7627(#4) 7629(#5) 1. YES 5. NO 0. Inap. (No savings accounts, no further savings accounts) 7622(#1) N25.2 Is this a joint account with your 7624(#2) (husband/wife/partner), is the account in your 7626(#3) name, your (husband's/wife's/partner's) name, 7628(#4) or something else? 7630(#5) 1. JOINT ACCOUNT 2. RESPONDENT'S ACCOUNT 3. SPOUSE'S ACCOUNT 4. Other family member's account 5. CHILD ONLY 6. CHILD AND RESPONDENT'S/SPOUSE 7. OTHER RELATIVE 8. OTHER RELATIVE WITH RESPONDENT OR SPOUSE 9. UNRELATED PERSON, NFS 10. UNRELATED PERSON WITH RESPONDENT OR SPOUSE -7. OTHER 0. Inap. (No savings accounts, no further savings accounts, not married/living with partner) 3805(#1) N26 INTERVIEWER: Is there another account? 3808(#2) 3811(#3) 3814(#4) 1. YES 3817(#5) 5. NO 0. Inap. (No savings accounts, no further savings accounts) 0. Inap. (No savings accounts, no further savings accounts) 3818 N26.1 How much is in all your (family's) remaining such accounts? Code actual amount -1. Nothing; zero 0. Inap. (No savings accounts, no further savings accounts) 3819 N27. Do you (or anyone in your family here) have any shares in mutual funds? (IF YES, SAY: Please do not include any pension-type, thrift-saving, 401-K, or IRA/Keogh plans, or accounts I have already recorded.) 1. YES 5. NO 3820 N27.1 In how many different mutual funds (do you/does your family) own shares? (INTERVIEWER: WE WANT THE NUMBER OF FUNDS, NOT THE NUMBER OF FUND MANAGEMENT COMPANIES.) Code # MUTUAL FUNDS 0. Inap. (No mutual funds) N28 I need to know what type(s) of mutual fund(s) (this is/these are)? (Is it/Are any of them)... 3821 N28.1 Stock Funds 3823 N28.2 (Are any of them) Tax-Free Bond Funds 3825 N28.3 (Are any of them) Government or Government backed Bond Funds 3827 N28.4 (Are any of them) other Bond Funds 3829 N28.5 Combination funds or any other mutual funds (INCLUDE "DK TYPE" HERE) 1. YES 5. NO 0. Inap. (No mutual funds) N29 What is the total market value of all of the (TYPE) that you (and your family living here) have? 3822 N29.1 Stock Funds 3824 N29.2 (Are any of them) Tax-Free Bond Funds 3826 N29.3 (Are any of them) Government or Government backed Bond Funds 3828 N29.4 (Are any of them) other Bond Funds 3830 N29.5 Combination funds or any other mutual funds (INCLUDE "DK TYPE" HERE) Code actual amount 0. Inap. (No mutual funds, no TYPE mutual funds) 3831 N30. Overall has there been a gain or loss in the value of all these mutual fund shares since you (or someone in your family here) obtained them? 1. GAIN 3. NEITHER GAIN NOR LOSS 5. LOSS 0. Inap. (No mutual funds) 3832 N30.1 How much have they gained in value since they were obtained?--PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No mutual funds, loss or no change in value of mutual funds) 3833 N30.1 How much have they gained in value since they were obtained?--AMOUNT Code actual amount -2. Virtually all 0. Inap. (No mutual funds, loss or no change in value of mutual funds) 3834 N30.2 How much have they lost in value since they were obtained?--PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No mutual funds, gain or no change in value of mutual funds) 3835 N30.2 How much have they lost in value since they were obtained?--AMOUNT Code actual amount -2. Virtually all 0. Inap. (No mutual funds, gain or no change in value of mutual funds) 3901 N31. Do you (or anyone in your family here) have any U.S. government savings bonds? (THESE MAY BE CALLED SERIES EE OR HH. THEY CAN BE PURCHASED BY PAYROLL DEDUCTION.) 1. YES 5. NO 3902 N31.1 What is the total face value of all the savings bonds that you (and your family) have? Code actual amount 0. Inap. (No savings bonds) 3903 N32. Do you (or anyone here) have any other corporate, municipal, government, or other type of bonds or bills? (IF YES, SAY: Please do not include any bonds or bills held in pension accounts or trusts, or in accounts I have already recorded.) 1. YES 5. NO 3904 N32.1 How many different bonds or bills do you (or your family) own? Code # BONDS OR BILLS 0. Inap. (No bonds or bills) For the public use tape, the number of bonds is is top-coded at 150. N33. I need to know what type(s) of bond(s) or bill(s) (this is/these are)? (Is it/Are any of them)... 3905 N33.1 Mortgage-backed bonds such as those from "Ginnie-Mae", "Fannie-Mae" or "Freddie-Mac" 3907 N33.2 U.S. Government bonds or Treasury bills 3909 N33.3 State or municipal bonds, or other taxfree bonds 7631 N33.4 Foreign bonds 7632 N33.5 Corporate or any other type of bonds (INCLUDE "DK TYPE" HERE) 1. YES 5. NO 0. Inap. (No bonds or bills) N34 What is the total face value of all of the (TYPE) that you (and your family living here) have? 3906 N34.1 Mortgage-backed bonds such as those from "Ginnie-Mae", "Fannie-Mae" or "Freddie-Mac" 3908 N34.2 U.S. Government bonds or Treasury bills 3910 N34.3 State or municipal bonds, or other taxfree bonds 7633 N34.4 Foreign bonds 7634 N34.5 Corporate or any other type of bonds (INCLUDE "DK TYPE" HERE) Code actual amount 0. Inap. (No bonds or bills, no TYPE bonds or bills) N34.6 What is the total market value of all of the (TYPE) that you (and your family living here) have? 7635 N34.7 Mortgage-backed bonds such as those from "Ginnie-Mae", "Fannie-Mae" or "Freddie-Mac" 7636 N34.8 U.S. Government bonds or Treasury bills 7637 N34.9 State or municipal bonds, or other taxfree bonds 7638 N34.10 Foreign bonds 7639 N34.11 Corporate or any other type of bonds (INCLUDE "DK TYPE" HERE) Code actual amount 0. Inap. (No bonds or bills, no TYPE bonds or bills) 3913 N35. Do you (or anyone in your family living here) own any publicly traded stock? (IF YES, SAY: Please do not include any stock held through mutual funds, pension accounts or trusts, or in accounts or businesses that I have already recorded.) 1. YES 5. NO 3914 N36. In how many different companies do you (or your family living here) own stock? Code # COMPANIES 0. Inap. (No publicly traded stock) For the public use tape, the number of companies is top-coded at 150. 3915 N37. What is the total market value of this stock? Code actual amount 0. Inap. (No publicly traded stock) 3916 N38. Overall has there been a gain or loss in the value of this stock since you (or someone in your family here) obtained it? 1. GAIN 3. NEITHER GAIN NOR LOSS 5. LOSS 0. Inap. (No publicly traded stock) 3917 N38.1 How much has it gained in value since it was obtained? --PERCENT Code PERCENT to 2 decimal places -2. Virtually all 0. Inap. (No publicly traded stock, loss or no change in value of publicly traded stock) 3918 N38.1 How much has it gained in value since it was obtained? --AMOUNT Code actual amount -2. Virtually all 0. Inap. (No publicly traded stock, loss or no change in value of publicly traded stock) 3919 N38.2 How much has it lost in value since it was obtained? --PERCENT Code PERCENT to 2 decimal places 0. Inap. (No publicly traded stock, gain or no change in value of publicly traded stock) 3920 N38.2 How much has it lost in value since it was obtained? --AMOUNT Code actual amount -2. Virtually all 0. Inap. (No publicly traded stock, gain or no change in value of publicly traded stock) 3921 N39. Of your (family's) stock, is any of it stock in a company where you (or anyone in your family living here) work or have worked? 1. YES 5. NO 0. Inap. (No publicly traded stock) 3922 N39.1 What is the total market value of this stock in the company? Code actual amount 0. Inap. (No publicly traded stock, no publicly traded stock in company where work) 7640 N39.2 Of your family's stock, is any of it stock in a company headquartered outside of the United States? 1. YES 4. Yes, but included with company stock 5. NO 0. Inap. (No publicly traded stock, no publicly traded stock in company where work) 7641 N39.3 What is the total market value in dollars of this stock? Code actual amount 0. Inap. (No publicly traded stock, no publicly traded stock in company where work, company not headquartered outside of U.S.) 3923 N40. Do you (or anyone in your family here) have a brokerage account for the purchase or sale of stocks and other securities? 1. YES 5. NO 0. Inap. (No publicly traded stock) 3924 (1) N40.1 (Please look at the Institutions Card.) (Is 3925 (2) this/Are these) accounts with any of the 3926 (3) institutions on the Institutions Card, or from someplace 3927 (4) else? (CHECK ALL THAT APPLY.) 7642 (5) (IF the Institutions Card: Which institution(s)?) (IF SOMEPLACE ELSE: What type(s) of institution(s)?) (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No publicly traded stock, no brokerage account, no further institutions) 9143 (1) R: Type of institution 9144 (2) 9145 (3) 9146 (4) 9212 (5) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No publicly traded stock, no brokerage account, no further institutions) 3928 N40.2 Over the past year, about how many times did you (or anyone in your family living here) buy or sell stocks or other securities through a broker? (ACCEPT RANGE.) Code # TIMES -1. NONE 0. Inap. (No publicly traded stock, no brokerage account) For the public use tape, the number of time the R traded stock is top-coded at 300. 3929 N40.3 Not including any accounts you've told me about, do you (or anyone in your family living here) have a "cash" or "call money" account at a stock brokerage? (IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY RECEIVED FROM THE SALE OF STOCK UNTIL THE MONEY IS REINVESTED.) 1. YES 5. NO 0. Inap. (No publicly traded stock, no brokerage account) 3930 N40.4 What is the total dollar value of all the cash or call money accounts that you (and your family living here) have? Code actual amount -1. Zero; nothing now 0. Inap. (No publicly traded stock, no brokerage account, no call account) 3931 N40.5 Other than loans you have already told me about, do you (or anyone in your family living here) have any margin loans at a stock brokerage? 1. YES 5. NO 0. Inap. (No publicly traded stock, no brokerage account) 3932 N40.6 Altogether, what is the current balance on these margin loans? Code actual amount 0. Inap. (No publicly traded stock, no brokerage account, no margin loans) 3933 N41. Do you (or anyone in your family here) receive income from or have assets in a trust, annuity, or managed investment account that you have not already told me about? (IF YES, SAY: Please do not include pension-type accounts, or any assets that I have already recorded.) 1. YES 5. NO N42. What are these; are they legal trusts, annuities, or managed investment accounts? (CHECK ALL THAT APPLY) 3934 N42.1 LEGAL TRUSTS 3935 N42.2 ANNUITIES 3936 N42.3 MANAGED INVESTMENT ACCOUNTS; other non-pension retirement account 3937 N42.4 OTHER: 1. Checked 5. Not checked 0. Inap. (No trusts, annuities, or managed investment accounts) 3938 N43. Are any of these set up so that you (or your family living here) are legally entitled only to the income and do not have an equity interest? 1. YES 5. NO 0. Inap. (No trusts, annuities, or managed investment accounts) 3939 N43.1 How much income did (you/your family living here) receive from these income-only trusts, annuities, or accounts in 1991? Code actual amount -1. ZERO; none yet 0. Inap. (No trusts, annuities, or managed investment accounts; no income-only accounts) 3940 N43.2 Do you (or your family living here) also have annuities, trusts, or managed investment accounts in which you (or your family) have an equity interest? 1. YES 5. NO 0. Inap. (No trusts, annuities, or managed investment accounts; no income-only accounts) 3941 N43.3 What is the total dollar amount of your (family's) interest in these accounts? (Asked if R has income-only accounts) Code actual amount 0. Inap. (No trusts, annuities, or managed investment accounts; no equity interset in such accounts) 3942 N44. What is the total dollar value of your (family's) interest in all annuities, trusts, or managed investment accounts? (Asked if R does not have income-only accounts) Code actual amount 0. Inap. (No trusts, annuities, or managed investment accounts; no equity interest in such accounts) 3943 N45. Who manages your (family's) trusts, annuities, or 3944 investment accounts,--is it any of the institutions on 3945 the Institutions Card, or are they managed by someone else? 3946 (CHECK ALL THAT APPLY.) 7643 (IF the Institutions Card: Which institution(s)?) (IF SOMEPLACE ELSE: What type of institution(s) or who manages them?) (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No trusts, annuities, or managed investment accounts; no further institutions) 9147 (1) R: Type of institution 9148 (2) 9149 (3) 9150 (4) 9213 (5) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No trusts, annuities, or managed investment accounts; no further institutions) 3947 N46. How is the money in these trusts and managed accounts invested? Is most of it in stocks, most of it in bonds or other interest-earning assets, or what? 1. STOCKS; "mutual fund" (exc. money market) 2. BONDS/INTEREST/CDs/money market 3. Real estate 5. Combination of 1 & 2; "mutual funds and CD's" 6. "Mixed"; "diversified" 7. Life insurance; annuities 8. Tangible assets other than real estate 9. Intangible assets, n.e.c. -7. OTHER; combination of 1, 2 & 3 0. Inap. (No trusts, annuities, or managed investment accounts) 4001 N47. Do you (or anyone in your family living here) have any life insurance? Please include individual or group policies, but not accident insurance. 1. YES 5. NO 4002 N48. Are any of these group or individual term insurance policies? (IF R ASKS: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES. MANY SUCH POLICIES ARE ISSUED THROUGH EMPLOYERS AND UNIONS.) 1. YES 5. NO 0. Inap. (No life insurance) 4003 N48.1 What is the current face value of all the term life policies that you (and your family living here) have? Code actual amount 0. Inap. (No life insurance, no term insurance) 4004 N48.2 Do you have any policies that build up a cash value or that you can borrow on? (If R asks: these are sometimes called "whole life" or "straight life"). N49. Do you have any policies that build up a cash value or that you can borrow on? (IF R ASKS: THESE ARE SOMETIMES CALLED "WHOLE LIFE" OR "STRAIGHT LIFE".) 1. YES 5. NO 0. Inap. (No life insurance, no term insurance) 4005 N49.1 What is the current face value of all of the policies that build up a cash value that you (and your family living here) have? (THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH.) Code actual amount 0. Inap. (No life insurance, no whole-life insurance) 4006 N49.2 What is the total cash value of these policies? (THE CASH VALUE OF A POLICY IS WHAT THE INSURANCE COMPANY WOULD PAY IF THE POLICY WERE SURRENDERED BEFORE DEATH.) (EDITED TO BE GROSS CASH VALUE WHEN REPORTED AS NET) Code actual amount -1. Zero; none yet 0. Inap. (No life insurance, no whole-life insurance) 4007 N49.3 Are you (or your family) borrowing against these policies? 1. YES 5. NO 0. Inap. (No life insurance, no whole-life insurance) 4008 N49.4 (ASK ONLY IF AN AMOUNT WAS GIVEN IN N49.2) Is the cash value you just gave me net of any loans you have against the policy or is it the gross cash value? (IF R ASKS: THE NET VALUE IS THE TOTAL CASH VALUE MINUS ANY LOANS.) 1. NET 2. GROSS 3. Value reported at N49b reported as net, but recoded to gross 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4009 N49.5 Did I record these loans earlier in the interview? 1. YES 5. NO 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 7645 N49.6 Where did you tell me about the loans? code up to 5 characters 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance, loan not recorded earlier) 8175 R: Link code for loan mentioned earlier 1. B10, #1 2. B10, #2 3. B10, #3 4. B10, #4 5. D36, col. 1 6. D36, col. 2 7. D36, col. 3 8. D51 9. D53h, col. 1 10. D53h, col. 2 11. D53h, col. 3 12. D64 13. E33, col. 1 14. E33, col. 2 15. E33, col. 3 16. G22, col. 1 17. G22, col. 2 18. G22, col. 3 19. G38, col. 1 20. G38, col. 2 21. H14, col. 1 22. H14, col. 2 23. H14, col. 3 24. H14, col. 4 25. H14, col. 5 26. H14, col. 6 101. Link not made 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4010 N49.7 How much is currently borrowed? Code actual amount 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4011 N49.8 Typically how often (do you/does your family) make payments on these loans and how large are the payments? Code $ amount -1. NO TYPICAL PAYMENTS -2. NONE 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4012 N49.8 PER 2. Week 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months 12. Bimonthly -7. Other 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4013 N49.9 What is the current annual rate of interest being charged on these loans? Code % to 2 decimal places -1. Zero; none 0. Inap. (No life insurance, no whole-life insurance, not borrowing against whole-life insurance) 4014 N49.10 How much in total are the yearly premiums for these policies that build up a cash value? Code actual amount -1. NO TYPICAL PREMIUMS -2. NONE 0. Inap. (No life insurance, no whole-life insurance) 4015 N49.10 PER 2. Week 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months 12. Bimonthly -1. NO REGULAR PAYMENTS -7. Other 0. Inap. (No life insurance, no whole-life insurance) 4016 N50. (Other than this term insurance) What is the current face value of all the life insurance that you (and your family living here) own? Code $ amount 0. Inap. (No life insurance) 4017 N51. We have talked about various types of savings, investments, and loans. Other than what I have already recorded, are you (or anyone in your family living here) owed any money by friends, relatives outside the immediate family, businesses, or others? (WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS HERE.) 1. YES 5. NO 4018 N51.1 Altogether, how much are you owed? Code actual amount 0. Inap. (No other loans owed to R) 4019 N52. Other than pension assets, do you (or anyone in your family living here) have any other substantial assets that I haven't already recorded - - for example, artwork, precious metals, antiques, futures contracts, oil and gas leases, future proceeds from a lawsuit or estate that is being settled, royalties, or something else? (DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING ACCOUNTS HERE.) 1. YES 5. NO 4020 (1) N52.1 (About the most valuable of these ..) What kind of asset 4024 (2) is it? 4028 (3) 1. Gold 2. Silver (incl. silverware) 3. Other metals or metals NA type 10. Jewelry; gem stones (incl. antique) 11. Cars, motorcyles, other vehicles (antique or classic) 12. Antiques; furniture 13. Art objects; paintings; sculpture 14. (Rare) books 15. Coin collections 16. Stamp collection 17. Guns 18. Real estate (exc. cemetery) (overflow from C20) 19. Cemetery plots 20. China; figurines; crystal 21. Musical instruments 22. Livestock; horses 23. Oriental rugs 24. Furs 25. Other collections, incl. baseball cards, records, wine 61. Loans to friends/relatives 62. Other loans/debts owed to R 63. Cash, n.e.c. 64. Future proceeds from a lawsuit 65. " " " an estate 66. Deferred compensation 71. Oil/gas/mineral leases or investments 72. (Commodity) futures contracts 73. Royalties 74. Non-publicly traded stock 75. Computers; equipment; tools 76. Other investments or loans to R's businesses -7. Other 0. Inap. (No other assets, no additional other assets) For the public use tape, Future proceeds from a lawsuit (64) and Future proceeds from an estate (65) are combined in 64; antiques and furniture (12), rare books (14), and oriental rugs (23) are combined in 12; Other loans/debts owed to R (62) and Other investments or loans to R's businesses (76) are combined in 62; and Oil/gas/mineral leases or investments (71) and (Commodity) futures contracts (72) are combined in 71. 4022(#1) N52.2 What is the total dollar value that you (and your family 4026(#2) living here) have in (TYPE)? 4030(#3) Code actual amount 0. Inap. (No other assets, no additional other assets) 4031 N53. Do you (or anyone in your family living here) owe any other money not recorded earlier? (WE DO NOT WANT TO INCLUDE ANY LOANS BETWEN FINANCIALLY DEPENDENT FAMILY MEMBERS.) 1. YES 5. NO 4032 N53.1 How much is owed? Code actual amount 0. Inap. (No other money owed) 7646 N54 INTERVIEWER: HAS R MENTIONED ANY ACCOUNTS IN THIS SECTION? 1. YES 5. NO 0. Inap. (No other assets, no additional other assets) 7647 N55 Thinking about all the accounts we have talked about, are any of the accounts you have told me about held in some currency other than U.S. dollars? 1. YES 5. NO 0. Inap. (No other assets) ----------------------------------------------------------------------------- CURRENT JOB ----------------------------------------------------------------------------- R1. We are interested in your present job status. Are you working now, temporarily laid off, unemployed and looking for work, disabled and unable to work, retired, a student, a homemaker, or what? (CODE ALL THAT APPLY.) (SHOW CARD 14.) R49 We are interested in your(husband's/wife's/ partner's) present job status. Is (he/she) working now, temporarily laid off, unemployed and looking for work, disabled and unable to work, retired, a student, a homemaker, or what? (CODE ALL THAT APPLY.) (SHOW CARD 14) IF R/S IS "WORKING NOW" AND ANY OTHER CATEGORY, ASK ALL FOLLOW-UP QUESTIONS AND GO TO R2/R50. 4100 R1 SUMMARY OF OCCUPATION STATUS AND WORKING NOW 4700 R49 SUMMARY OF OCCUPATION STATUS AND WORKING NOW CURRENTLY WORKING FOR PAY: 11. Worker only 12. Worker + disabled 13. Worker + retired 14. Worker + student 15. Worker + homemaker 16. Worker + unemployed/looking for work 17. Worker + temporarily laid off (NO at R1.1, YES at R1.3, R2=current job) NO CURRENT WORK FOR PAY: 20. Temporarily laid off only (R2=job laid off from, to which R expects to return [YES or DK at R1.1]) 21. Temporarily laid off--does not expect to return to job and no current work 30. Unemployed and looking for work 50. Retired only 52. Disabled only "Homemaker" is a low priority working status coded only in 80 and 15. For other combina- tions including "Homemaker", choose a code on the basis of the other item(s) checked. 70. Student only 80. Homemaker/other not in labor force only 90. Unpaid family workers: R's who volunteer that they work in a family business or farm and are unpaid. (Do not include here "volunteer work" for charitable or non-profit organizations.) 96. Other combination incl. WORKER 97. Other (incl. combination) not including WORKER 199. Absent spouse not included in IW -7. OTHER 0. Inap. (No spouse) NOTE: The use of code 199 is not systematic. In some cases, the respondent provided employment information for the absent spouse; because this information may be useful for some purposes, it has been retained in the data--in particular, X4700 has a value other than 199 or 0. In other cases where very little or no information was provided, the code 199 was used for X4700, and all subsequent employment variables were set to zero; in addition, all spouse demographic variables from X6101 onward were set to zero. 4101 R1.1 Do you expect to go back to this job? 4701 R49.1 Does (he/she) expect to go back to this job? 1. YES 5. NO 0. Inap. (No spouse, not temporarily laid off) 4102 R1.2 When did you last work on this job?--MONTH 4702 R49.2 When did (he/she) last work on this job? MONTH Code MONTH 0. Inap. (No spouse, not temporarily laid off) 4103 R1.2 When did you last work on this job?--YEAR 4703 R49.2 When did (he/she) last work on this job? YEAR Code YEAR 0. Inap. (No spouse, not temporarily laid off) 4104 R1.4 When did you (retire/become disabled)? 4704 R49.4 When did (he/she) (retire/become disabled)? Code YEAR 0. Inap. (No spouse, not retired/disabled) 4105 R1.3/R1.5 Are you doing any work for pay at the present time? 4705 R49.3/R49.5 Is (he/she) doing any work for pay at the present time? 1. YES 5. NO 0. Inap. (No spouse, currently working) 4106 R2. Next are some questions about your current, main job. Do you work for someone else, are you self-employed, or what? 4706 R50. Next are some questions about (his/her) current, main job. Does (he/she) work for someone else, is (he/she) self employed, or what? 1. SOMEONE ELSE 2. SELF-EMPLOYED 3. partnership -7. OTHER 0. Inap. (No spouse, not currently working) 4107 R2. EDITOR PRECODE: BUSINESS/JOB CONNECTION (R NOT SE) R14. MARK BOX (BUSINESS IS FROM SECT. F) (R SE) 4707 R50 EDITOR PRECODE: BUSINESS/JOB CONNECTION (S NOT SE) R62 MARK BOX (BUSINESS IS FROM SECT. F) (S SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working) 7401 R3. What is the official title of your job? (The title that your employer uses?) (R NOT SE) R4. What sort of work do you do on your main job? (Tell me a little more about what you do.) (R NOT SE) R14. What sort of work do you do? (Tell me a little more about what you do.) R14.1 IWER: DOES R WORK FOR A BUSINESS REPORTED IN SECTION F? (R SE) 7411 R51. What is the official title of (his/her) job? (The title that (his/her) employer uses?) (S NOT SE) R52. What sort of work does (he/she) do on (his/her) main job? (Tell me a little more about what (he/she) does.) (S NOT SE) R62. What sort of work does (he/she) do? (Tell me a little more about what (he/she) does.) R62.1 IWER: DOES S WORK FOR A BUSINESS REPORTED IN SECTION F? CHECK F22. (S SE) Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, not currently working) For the public use tape, the 1980 occupation codes were collapsed using the SAS code that follows below. *************************************************************************** Code to collapse occupations *************************************************************************** ARRAY OCC {*} X7401 X7405 X7407 X7409 X7411 X7415 X7417 X7419; DO I=1 TO DIM(OCC); IF (3 <= OCC{I} <=37) THEN OCC{I}=1; IF (43 <= OCC{I} <=199) THEN OCC{I}=1; IF (203 <= OCC{I} <=235) THEN OCC{I}=2; IF (243 <= OCC{I} <=285) THEN OCC{I}=2; IF (303 <= OCC{I} <=389) THEN OCC{I}=2; IF (403 <= OCC{I} <=407) THEN OCC{I}=3; IF (413 <= OCC{I} <=427) THEN OCC{I}=3; IF (433 <= OCC{I} <=469) THEN OCC{I}=3; IF (473 <= OCC{I} <=499) THEN OCC{I}=6; IF (503 <= OCC{I} <=699) THEN OCC{I}=4; IF (703 <= OCC{I} <=799) THEN OCC{I}=5; IF (803 <= OCC{I} <=859) THEN OCC{I}=5; IF (863 <= OCC{I} <=889) THEN OCC{I}=5; IF (905 <= OCC{I} <=905) THEN OCC{I}=3; END; *************************************************************************** 7402 R5. What kind of business or industry do you work in--that is, what do they make or do at the place where you work? (R NOT SE) R14.2 What industry do you work in? That is, what do they do or make? (What industry do you typically work in?) (R SE) 7412 R53 What kind of business or industry does (he/she) work in that is, what do they make or do at the place where (he/she) works? (S NOT SE) R62.2 What industry does (he/she) work in? That is, what do they do or make? (What industry does (he/she) typically work in?) (S SE) Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, not currently working) For the public use tape, the 1980 industry codes were collapsed using the SAS code that follows below. *************************************************************************** Code to collapse industries *************************************************************************** ARRAY IND {*} X7402 X7406 X7408 X7410 X7412 X7416 X7418 X7420; DO I=1 TO DIM(IND); IF (10 <= IND{I} <=31) THEN IND{I}=1; IF (40 <= IND{I} <=50) THEN IND{I}=2; IF (60 <= IND{I} <=60) THEN IND{I}=2; IF (100 <= IND{I} <=392) THEN IND{I}=3; IF (500 <= IND{I} <=571) THEN IND{I}=4; IF (580 <= IND{I} <=691) THEN IND{I}=4; IF (700 <= IND{I} <=712) THEN IND{I}=5; IF (721 <= IND{I} <=760) THEN IND{I}=5; IF (400 <= IND{I} <=472) THEN IND{I}=6; IF (761 <= IND{I} <=791) THEN IND{I}=6; IF (800 <= IND{I} <=802) THEN IND{I}=6; IF (812 <= IND{I} <=892) THEN IND{I}=6; IF (900 <= IND{I} <=932) THEN IND{I}=7; END; *************************************************************************** 4110 R6. How many hours do you work on your main job in a normal week? (R NOT SE) R14.5 How many hours do you work (for yourself/in this business) in a normal week? (R SE) 4710 R54 How many hours does (he/she) work on (his/her) main job in a normal week? (S NOT SE) R62.5 How many hours does (he/she) work (for himself/for herself/in this business) in a normal week? (S SE) Code # HOURS 95. 95 hours or more; "all the time"; "24 hours a day" 0. Inap. (No spouse, not currently working) 4111 R7. (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks do you work on this job in a normal year? (R NOT SE) R14.6 (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks per year do you work on this job? (R SE) 4711 R55 (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks does (he/she) work on this job in a normal year? (S NOT SE) R62.6 (READ SLOWLY) Counting paid vacations as weeks of work, how many weeks per year does (he/she) work on this job? (S SE) Code # WEEKS 0. Inap. (No spouse, not currently working) 4125 R14.7 How are you paid? Are you paid a regular salary or wages? (ONLY ASKED IF R SE) 4725 R62.7 How is (he/she) paid? Is (he/she) paid a regular salary or wages? (ONLY ASKED IF SPOUSE SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not self-employed) 4112 R8. About how much do you earn before taxes on your main job? (Is that per hour, week, month, year, or what?) (R NOT SE) R14.8 How much in salary or wages are you paid before taxes? (R SE -- NOT ANSWERED UNLESS 4125/6 = 1) 4712 R56 About how much does (he/she) earn before taxes on (his/ her) main job? (Is that per hour, week, month, year, or what?) (S NOT SE) R62.8 How much in salary or wages is (he/she) paid before taxes? (S SE -- NOT ANSWERED UNLESS 4725/6 = 1) Code actual amount -1. Zero; take no pay out of business 0. Inap. (No spouse, not currently working) 4113 R8. PER (R NOT SE) R14.8 PER (R SE) 4713 R56 PER (S NOT SE) R62.8 PER (S SE) 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months 12. Bimonthly 14. By the job 18. Hour -7. Other 0. Inap. (No spouse, not currently working) 4127 R14.9 Do you (also) receive a portion of the net earnings, or some other kind of income? (R SE) 4727 R62.9 Do you (also) receive a portion of the net earnings, or some other kind of income? (S SE) 1. Yes 5. No 0. Inap. (No spouse, not currently working, not self-employed) 4131 R14.10 (In addition to regular salary,) how much do you personally receive from the business before taxes? (What did you get in 1991?) (ONLY ASKED IF R SE) 4731 R62.10 (In addition to regular salary,) how much does (he/she) personally receive from the business before taxes? (What did (he/she) get in 1991?) (ONLY ASKED IF S SE) Code actual amount -1. Zero; none in 1991 0. Inap. (No spouse, not currently working, not self-employed, no non-wage/salary income from job) 4132 R14.10 PER (ONLY ASKED IF R SE) 4732 R62.10 PER (ONLY ASKED IF S SE) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No spouse, not currently working, not self-employed, no non-wage/salary income from job) 4114 R9 About how many employees work for this company or organization, including all locations? (Is it fewer than 10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?) (ONLY ASKED FOR R NOT SE; INFERRED FROM SECTION F WHERE POSSIBLE; OTHERWISE, IMPUTED) 4714 R57 About how many employees work for this company or organization, including all locations? (Is it fewer than 10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?) (ONLY ASKED FOR S NOT SE; INFERRED FROM SECTION F WHERE POSSIBLE; OTHERWISE, IMPUTED) 1. LESS THAN 10 2. 10 TO 19 3. 20 TO 99 4. 100 TO 499 5. 500 OR MORE 0. Inap. (No spouse, not currently working) 4115 R10. How many years in total have you worked for this employer? (R NOT SE) R14.3 How many years have you worked for (yourself/this business)? (R SE) 4715 R58. How many years in total has (he/she) worked for this employer? (S NOT SE) R62.3 How many years has (he/she) worked for (himself/herself/ this business)? (S SE) Code # YEARS 1. ONE YEAR OR LESS 0. Inap. (No spouse, not currently working) For the public use tape, the number of years is top-coded at 60. 7679 R10. How many years in total have you worked for this employer? (R NOT SE) R14.3 How many years have you worked for (yourself/this business)? (R SE) 7706 R58. How many years in total has (he/she) worked for this employer? (S NOT SE) R62.3 How many years has (he/she) worked for (himself/herself/ this business)? (S SE) Code YEAR 0. Inap. (No spouse, not currently working) 4116 R11. How many years do you expect to continue working for this employer? (ACCEPT RANGE.) (R NOT SE) R14.4 About how many years do you expect to continue working for (yourself/this business)? ACCEPT RANGE (R SE) 4716 R59. How many years does (he/she) expect to continue working for this employer? (ACCEPT RANGE.) (S NOT SE) R62.4 About how many years does (he/she) expect to continue working for (himself/herself/this business)? ACCEPT RANGE (S SE) Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, not currently working) 7680 R11. How many years do you expect to continue working for this employer? (ACCEPT RANGE.) (R NOT SE) R14.4 About how many years do you expect to continue working for (yourself/this business)? ACCEPT RANGE (R SE) 7707 R59. How many years does (he/she) expect to continue working for this employer? (ACCEPT RANGE.) (S NOT SE) R62.4 About how many years does (he/she) expect to continue working for (himself/herself/this business)? ACCEPT RANGE (S SE) Code AGE -1. NEVER STOP 0. Inap. (No spouse, not currently working) 4117 R12. Are you covered on this job by a union or employee- association contract? (R NOT SE) R14.11 Are you covered on this job by a union or employee- association contract? (R SE) 4717 R60. Is (he/she) covered on this job by a union or employee association contract? (S NOT SE) R62.11 Is (he/she) covered on this job by a union or employee association contract? (R SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working) 7681 R13 Do you have any type of insurance other than Social Security, that would help provide you with income in the event that you became disabled? (R not SE) R14.12 Do you have any type of insurance other than Social Security, that would help provide you with income in the event that you became disabled? (R SE) 7708 R61 Does (he/she) have any type of insurance other than Social Security, that would help provide (him/her) with income in the event that (he/she) became disabled? (S not SE) R62.12 Does (he/she) have any type of insurance other than Social Security, that would help provide (him/her) with income in the event that (he/she) became disabled? (S SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working) INFORMATION LINKED FROM 1992 CURRENT POPULATION SURVEY BY OCCUPATION CODE 8112 (R) R: Average for occupation group of fraction of last 52 8113 (S) weeks worked; multipled by 10 8114 (R) R: Average for occupation group of hours worked per year 8115 (S) in 1992; multiplied by 10 8116 (R) R: Fraction of occupation group unemployed in 1992; 8117 (S) multiplied by 1000 8169 (R) R: Unconditional mean wage for occupation group in 1992 8170 (S) For each occupation group, regressions were run separately for males and females of the log of annualized wages on a constant, a spline on age (AGE, MAX(0, AGE-35), MAX(0,AGE-55)), a dummy variable for part-time employment (1 = working 20 or fewer hours per week), a dummy variable for self-employment (1 = self-employed), a dummy for race (1 = Hispanic or non-white), and dummy variables for years of education (1 = : 12 years of education, some college or an Associate's degree, Bachelor's degree, higher degree than Bachelor's degree). If there were too few people in a CPS 3-digit occupation group, either the SCF case was matched to a neighboring occupation group, or the match was made at the level of the 2-digit occupation code. Some of the model coefficients may be identically zero where there are too few cases in the appropriate cells in the CPS to identify the coefficients. 8105 (R) R: 10000 * Intercept 8106 (S) 8099 (R) R: For age in [1, 35]: 10000 * Coefficient of AGE 8100 (S) 8101 (R) R: For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35) 8102 (S) 8103 (R) R: For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55) 8104 (S) 8318 (R) R: 10000 * Coefficient of dummy for part-time employment 8319 (S) 8320 (R) R: 10000 * Coefficient of dummy for self-emlpoyment 8321 (S) 8322 (R) R: 10000 * Coefficient of dummy for Hispanic or nonwhite 8323 (S) 8324 (R) R: 10000 * Coefficient of dummy for 12 years of education 8325 (S) 8326 (R) R: 10000 * Coefficient of dummy for some college or 8327 (S) Associate's degree 8328 (R) R: 10000 * Coefficient of dummy for Bachelor's degree 8329 (S) 8330 (R) R: 10000 * Coefficient of dummy for higher degree than 8331 (S) Bachelor's degree 8107 (R) R: 10000 * Standard error log regression 8108 (S) 8109 (R) R: Annualized level of expected income from regression 8111 (S) (corrected for non-zero expectation of error term for level) ----------------------------------------------------------------------------- CURRENT JOB PENSIONS ----------------------------------------------------------------------------- 4135 R15. Many employers have pension or retirement plans, and some provide tax-deferred plans such as thrift, savings, 401K's, profit sharing, or stock ownership plans, some plans span multiple jobs, for example, TIAA, CREF, union plans, etc. Are you included in any pension or retirement plans, or in any tax-deferred savings plans connected with the job you just told me about? (DO NOT INCLUDE SOCIAL SECURITY.) IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY: "We covered those earlier in the interview. Here, I just want to find out about other plans operated through your employer." (R NOT SE) R14.13 Aside from IRA or Keogh plans, are you included in any pension plans or tax-deferred savings plans through (your work/the business)? (R SE) 4735 R63. Many employers have pension or retirement plans, and some provide tax-deferred plans such as thrift, savings, 401K's, profit sharing, or stock ownership plans, some plans span multiple jobs, for example, TIAA, CREF, union plans, etc. Is (he/she) included in any pension or retirement plans, or in any tax-deferred savings plans connected with the job you just told me about? (DO NOT INCLUDE SOCIAL SECURITY.) IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY: "We covered those earlier in the interview. Here, I just want to find out about other plans operated through (his/her) employer." (S NOT SE) R62.13 Aside from IRA or Keogh plans, is (he/she) included in any pension plans or tax deferred savings plans through [(his/her) work/the business? (S SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working) 4136 R16. Does your employer offer any such plans? (ONLY ASKED IF R NOT SE) 4736 R64. Does (his/her) employer offer any such plans? (ONLY ASKED IF SP NOT SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working, included in pension plan on main job, self-employed) 4137 R16.1 Are you eligible to be included in any of these plans? (ONLY ASKED IF R NOT SE) 4737 R64.1 Is (he/she) eligible to be included in any of these plans? (ONLY ASKED IF SP NOT SE) 1. YES 5. NO 0. Inap. (No spouse, not currently working, included in pension plan on main job, self-employed, plan not offered) 4138 R16.2 Will you be eligible if you continue to work for this employer? (ONLY ASKED IF R NOT SE) 4738 R64.2 Will (he/she) be eligible if (he/she) continues to work for this employer? (ONLY ASKED IF SP NOT SE) 1. YES 3. DEPENDS 5. NO 0. Inap. (No spouse, not currently working, included in pension plan on main job, self-employed, plan not offered, eligible to be included in plan) 4139 R17. In how many different plans of this sort are you included on this job? (ONLY ASKED IF R NOT SE) 4739 R65. In how many different plans of this sort is (he/she) included on this job? (ONLY ASKED IF SP NOT SE) Code # PLANS 0. Inap. (No spouse, not currently working, not included in pension plan on main job) 4140 R17.1 Are you currently receiving benefit payments from any retirement plans from this job? 4740 R65.1 Is (he/she) currently receiving benefit payments from any retirement plans from this job? 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job) 4141 R17.2 I'll ask about the benefits later. Are there any retirement or savings plans from this job where you are not yet drawing benefit payments? 4741 R65.2 I'll ask about the benefits later. Are there any retirement or savings plans from this job where (he/she) are not yet drawing benefit payments? 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, not receiving benefits from any plans on main job) 4201 R17.3/R18. How many such plans do you have? (ASKED IF SOME PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS, INFERRED FOR OTHER CASES WITH PLANS) 4801 R65.3/R66. How many such plans does (he/she) have? (ASKED IF SOME PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS, INFERRED FOR OTHER CASES WITH PLANS) Code # PLANS--NOT YET RECEIVING BENEFITS 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job) 4202(1) R19. (Is this/About the (next) most important of these plans, 4302(2) is it) a pension or retirement plan, or a tax-deferred 4402(3) savings plan of some sort? (IF R ASKS: 401-K, 403-B, ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL TAX-DEFERRED SAVINGS PLANS.) 4802(1) R67. (Is this/About the (next) most important of these plans, 4902(2) is it) a pension or retirement plan, or a tax-deferred 5002(3) savings plan of some sort? (IF R ASKS: 401 K, 403 B, ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL TAX DEFERRED SAVINGS PLANS.) 1. PENSION OR RETIREMENT 2. TAX-DEFERRED SAVINGS -7. OTHER 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans) 4203(1) R20. (SHOW CARD 15). I would like to know what general type of plan 4303(2) this is. (In the most common pension or retirement plan, 4403(3) the monthly retirement benefit paid is usually based on a formula involving age, years of service and salary. In other plans, money is accumulated in an account for you until your retirement.) Is your (first/next) plan like the formula plan or account plan? ("2" FILLED IN HERE IF R19=2) 4803(1) R68. (SHOW CARD 11). I would like to know what general type of plan 4903(2) this is. In the most common pension or retirement plan, 5003(3) the monthly retirement benefit paid is usually based on a formula involving age, years of service and salary. In other plans, money is accumulated in an account for you until your retirement.) Is (his/her) (first/next) plan like the formula plan or account plan? ("2" FILLED IN HERE IF R67=2) 1. TYPE A (FORMULA) 2. TYPE B (ACCOUNT) 3. BOTH A & B 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans) FORMULA-TYPE PENSIONS AND MIXTURE PLANS 4204(1) R21. For that part of your plan where 4304(2) money is accumulated in an account, how much is in the 4404(3) account? 4804(1) R69. For that part of (his/her) plan where money is accumulated 4904(2) in an account, how much is in the account? 5004(3) Code actual amount -1. Zero; nothing yet 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like both types A and B) 7685(1) R21.1 How long have you been in the plan? 7687(2) R69.1 How long has (he/she) been in the plan? 7689(3) 7712(1) 7714(2) 7716(3) Code # years 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like both types A and B) 4205(1) R22. Do you currently make contributions to this plan? 4305(2) (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY 4405(3) DEDUCTIONS, UNION DUES OR OTHER SOURCES) 4805(1) R70. Does (he/she) currently make contributions to this plan? 4905(2) (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY 5005(3) DEDUCTIONS, UNION DUES OR OTHER SOURCES) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B) 4206(1) R23. What percent of your pay or amount of money per month or 4306(2) year do you currently contribute?--PERCENT 4406(3) 4806(1) R71. What percent of (his/her) pay or amount of money per 4906(2) month or year does (he/she) currently contribute? PERCENT 5006(3) Code PERCENT to 2 decimal places -2. Cannot convert, wage variable is negative or zero 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not make contributions) 4207(1) R23. What percent of your pay or amount of money per month or 4307(2) year do you currently contribute?--AMOUNT 4407(3) 4807(1) R71. What percent of (his/her) pay or amount of money per month 4907(2) or year does (he/she) currently contribute? AMOUNT 5007(3) Code actual amount -2. Cannot convert, wage variable is negative or zero 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not make contributions) 4208(1) R23. PER 4308(2) 4408(3) 4808(1) R71. PER 4908(2) 5008(3) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 12. Bimonthly -7. Other 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B R/S does not make contributions) 4209(1) R24. At what age do you expect to start receiving benefits from 4309(2) this plan? -- AGE 4409(3) 4809(1) R72. At what age does (he/she) expect to start receiving 4909(2) benefits from this plan? 5009(3) Code AGE -1. DON'T EXPECT BENEFITS 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B) 7686(1) R24. At what age do you expect to start receiving benefits from 7688(2) this plan? -- YEARS 7690(3) 7713(1) R72. At what age does (he/she) expect to start receiving 7715(2) benefits from this plan? 7717(3) Code IN YEARS -1. DON'T EXPECT BENEFITS 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B) 4210(1) R25. About how much do you expect your benefits to be? (As a 4310(2) proportion of your pay at retirement, or as an amount per 4410(3) month or year when you start receiving them?)--AMOUNT 4810(1) R73. About how much does (he/she) expect (his/her) benefits 4910(2) to be? [As a proportion of (his/her) pay at retirement, 5010(3) or as an amount per month or year when (he/she) starts receiving them?]--AMOUNT Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not expect benefits) 4211(1) R25. PER 4311(2) 4411(3) 4811(1) R73. PER 4911(2) 5011(3) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 8. Lump sum; one payment only 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not expect benefits) 4212(1) R25. About how much do you expect your benefits to be? (As a 4312(2) proportion of your pay at retirement, or as an amount per 4412(3) month or year when you start receiving them?)--PERCENT 4812(1) R73. About how much does (he/she) expect (his/her) benefits 4912(2) to be? [As a proportion of (his/her) pay at retirement, 5012(3) or as an amount per month or year when (he/she) starts receiving them?] PERCENT Code PERCENT to 2 decimal places 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, R/S does not expect benefits) 4213(1) R26. If you were to (leave this job/sell this business) now, 4313(2) would you start receiving a monthly or annual pension 4413(3) benefit now, would you receive one later, would you get a cash settlement now, would you get nothing or what? (IF R SAYS "ROLL OVER" MARK "CASH SETTLEMENT".) 4813(1) R74. If (he/she) were to (leave this job/sell this business) 4913(2) now, would (he/she) start receiving a monthly or annual 5013(3) pension benefit now, would (he/she) receive one later, would (he/she) get a cash settlement now, would (he/she) get nothing or what? (IF R SAYS "ROLL OVER" MARK "CASH SETTLEMENT".) 1. Monthly or annual BENEFIT NOW If multiple 2. Monthly or annual BENEFIT LATER checks, code smallest # 3. CASH SETTLEMENT now; "Roll Over" checked. 4. NOTHING -7. OTHER incl. any combinations; "lump sum later" 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B) 4214(1) R26.1 About how much per month would you receive? 4314(2) 4414(3) 4914(1) R74.1 About how much per month would (he/she) receive? 4914(2) 5014(3) Code $ amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, if R/S left job now would get cash settlement/ nothing/other) 7691(1) R26.1 PER 7692(2) 7693(3) 7718(1) R74.1 PER 7719(2) 7720(3) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 8. Lump sum; one payment only 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, if R/S left job now would get cash settlement/ nothing/other) 4215(1) R27 INTERVIEWER: Is there another plan? (R) 4315(2) 4415(3) 4815(1) 4915(2) 5015(3) R75 INTERVIEWER: Is there another plan? (S) 1. Yes 5. No 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type A/A&B, if R/S left job now would get cash settlement/ nothing/other) ACCOUNT-TYPE PENSIONS 4216(1) R28. (Could you tell me a little more about this plan?) Is it 4316(2) a thrift or savings plan, a 401K, a Supplemental Retirement 4416(3) Account (SRA), a profit-sharing plan, or what? 4816(1) R76. (Could you tell me a little more about this plan?) Is it 4916(2) a thrift or savings plan, a 401K, a Supplemental Retirement 5016(3) Account (SRA), a profit-sharing plan, or what? 1. THRIFT OR SAVINGS; "Savings and Investment plan" 2. 401k/403b/SRA 3. PROFIT SHARING 4. STOCK PURCHASE, ESOP (Employee Stock Option Plan) 7. DEFERRED COMPENSATION 11. IRA; IRA/SEP 12. Defined-contribution plan; TIAA-CREF 13. Money purchase plan 14. Tax-deferred annuity (TDA) -7. OTHER 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4217(1) R29. For how many years altogether have you been included in 4317(2) this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME 4417(3) PLAN.) 4817(1) R77. For how many years altogether has (he/she) been included 4917(2) in this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME 5017(3) PLAN.) Code # YEARS 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4218(1) R30. (Does your employer/Does the business) make contributions 4318(2) to this plan? 4418(3) 4818(1) R78. [Does (his/her) employer/Does the business] make 4918(2) contributions to this plan? 5018(3) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4219(1) R30.1 What percent of your pay or amount of money per month or 4319(2) year does (your employer/the business) contribute?-- 4419(3) PERCENT 4819(1) R78.1 What percent of (his/her) pay or amount of money per 4919(2) month or year does [(his/her) employer/the business] 5019(3) contribute? PERCENT Code PERCENT to 2 decimal places -1. None -2. Cannot convert, wage variable is negative or zero -3. Irregular contribution 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, employer does not contribute to plan) 4220(1) R30.1 What percent of your pay or amount of money per month or 4320(2) year does (your employer/the business) contribute?-- 4420(3) AMOUNT 4820(1) R78.1 What percent of (his/her) pay or amount of money per 4920(2) month or year does [(his/her) employer/the business] 5020(3) contribute? AMOUNT Code actual amount -1. None -2. Cannot convert, wage variable is negative or zero -3. Irregular contribution 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, employer does not contribute to plan) 4221(1) R30.1 PER 4321(2) 4421(3) 4821(1) R78.1 PER 4921(2) 5021(3) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 17. Irregular contribution -7. Other 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, employer does not contribute to plan) 4222(1) R31. Do you currently make contributions to this plan? (IF R 4322(2) ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS, 4422(3) UNION DUES, OR OTHER SOURCES.) 4822(1) R79. Does (he/she) currently make contributions to this plan? 4922(2) (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY 5022(3) DEDUCTIONS, UNION DUES, OR OTHER SOURCES.) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4223(1) R31.1 What percent of your pay or amount of money per month or 4323(2) year do you currently contribute?--PERCENT 4423(3) 4823(1) R79.1 What percent of (his/her) pay or amount of money per month 4923(2) or year does (he/she) currently contribute? PERCENT 5023(3) Code PERCENT to 2 decimal places -2. Cannot convert, wage variable is negative or zero 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, R/S does not contribute to plan) 4224(1) R31.1 What percent of your pay or amount of money per month or 4324(2) year do you currently contribute?--AMOUNT 4424(3) 4824(1) R79.1 What percent of (his/her) pay or amount of money per month 4924(2) or year does (he/she) currently contribute? AMOUNT 5024(3) Code actual amount -2. Cannot convert, wage variable is negative or zero 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, R/S does not contribute to plan) 4225(1) R31.1 PER 4325(2) 4425(3) 4825(1) R79.1 PER 4925(2) 5025(3) 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, R/S does not contribute to plan) 4226(1) R32. Roughly how much money is in your account at present? 4326(2) (WE WANT THE AMOUNT GROSS OF ANY LOANS AGAINST THIS 4426(3) ACCOUNT.) 4826(1) R80. Roughly how much money is in (his/her) account at present? 4926(2) (WE WANT THE AMOUNT GROSS OF ANY LOANS AGAINST THIS 5026(3) ACCOUNT.) Code actual amount -1. Zero; none yet 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4227(1) R33. Can you borrow against that account? 4327(2) 4427(3) 4827(1) R81. Can (he/she) borrow against that account? 4927(2) 5027(3) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4228(1) R34. Do you currently have a loan against that account? 4328(2) 4428(3) 4828(1) R82. Does (he/she) currently have a loan against that account? 4928(2) 5028(3) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, cannot borrow aginst account) 4229(1) R34.1 What is the amount of the loan balance? 4329(2) 4429(3) 4829(1) R82.1 What is the amount of the loan balance? 4929(2) 5029(3) Code actual amount 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, cannot borrow against account, no loan against account) 4230(1) R34.2 Did you tell me about this loan earlier? 4330(2) 4430(3) 4830(1) R82.2 Did you tell me about this loan earlier? 4930(2) 5030(3) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, cannot borrow against account, no loan against account) 7694(1) R34.3 Where did you tell me about this loan? 7695(2) 7696(3) 7721(1) 7722(2) 7723(3) R82.3 Where did you tell me about this loan? Code up to 5 characters 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, cannot borrow against account, no loan against account, did not tell about this loan earlier) 4231(1) R35. If you needed money in an emergency, could you withdraw 4331(2) some of the funds in that account? (CODE "YES" EVEN IF 4431(3) WITHDRAWAL INVOLVES PENALTY.) 4831(1) R83. If (he/she) needed money in an emergency, could (he/she) 4931(2) withdraw some of the funds in that account? (CODE "YES" 5031(3) WITHDRAWAL INVOLVES PENALTY.) 1. YES 5. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4232(1) R36. If you were to (leave this job/sell the business) now, 4332(2) would you lose all, some, or none of the money in this 4432(3) account? 4832(1) R84. If (he/she) were to (leave this job/sell the business) 4932(2) now, would (he/she) lose all, some, or none of the money 5032(3) in this account? 1. ALL 3. SOME 5. NONE -7. OTHER 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4233(1) R36.1 What proportion would you lose? 4333(2) (ASKED IF R36=SOME OR OTHER, FILLED IN IF R36=ALL) 4433(3) -- PERCENT 4833(1) R84.1 What proportion would (he/she) lose? 4933(2) (ASKED IF R84=SOME OR OTHER, FILLED IN IF R84=ALL) 5033(3) -- PERCENT Code PERCENT to 2 decimal places -1. Nothing 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, would lose none) 7697(1) R36.1 What proportion would you lose? 7698(2) (ASKED IF R36=SOME OR OTHER, FILLED IN IF R36=ALL) 7699(3) -- AMOUNT 7724(1) R84.1 What proportion would (he/she) lose? 7725(2) (ASKED IF R84=SOME OR OTHER, FILLED IN IF R84=ALL) 7726(3) -- AMOUNT Code $ AMOUNT -1. Nothing 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B, would lose none) 4234(1) R37. How is the money in this account invested? Is it mostly in 4334(2) stocks, mostly in interest earning assets, is it split 4434(3) between these, or what? 4834(1) S85. How is the money in this account invested? Is it mostly in 4934(2) stocks, mostly in interest earning assets, is it split 5034(3) between these, or what? 1. MOSTLY OR ALL STOCK; stock in company 2. MOSTLY OR ALL INTEREST EARNING; guaranteed insurance contract (GIC) 3. SPLIT 4. real estate -7. OTHER 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4235(1) R38. INTERVIEWER: Is there another plan? 4335(2) R86. INTERVIEWER: Is there another plan? 4435(3) 4835(1) 4935(2) 5035(3) 1. YES 2. NO 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, plan not like type B) 4436 R39. (IF 4 OR MORE) Altogether how much do you have in your account balance(s) for any other pension plans or savings plan(s) from this job? 5036 R87. (IF 4 OR MORE) Altogether how much does (he/she) have in (his/her) account balance(s) for any other pension plans or savings plan(s) from this job? Code actual amount -1. NOTHING 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans) 4437 R39a. Altogether, what other benefit payments do you expect to receive from (this/these) other pension plan(s) from this job? 5037 S39a. Altogether, what other benefit payments does (he/she) expect to receive from (this/these) other pension plan(s) from this job? 1. Thrift or Savings -1. NONE -7. OTHER 0. Inap. (No spouse, not currently working, not included in pension plan on main job, receiving benefits from all plans on main job, no further plans, account balance given at R/S39) ----------------------------------------------------------------------------- SECOND JOBS ----------------------------------------------------------------------------- 4501 R40. Are you doing any other work for pay now, such as a second job, the military reserves, or (another) business of your own? 5101 R88. Is (he/she) doing any other work for pay now, such as a second job, the military reserves, or (another) business of (his/her) own? 1. YES 5. NO 0. Inap. (No spouse, not currently working) R40.1 Is this a second job, the military reserves, your own business, or what? (CODE ALL THAT APPLY.) 4502 R40.1 A. SECOND JOB 4503 R40.1 B. MILITARY (Reserves including Cost Guard, National Guard Service) 4504 R40.1 C. BUSINESS 4505 R40.1 D. OTHER: S40.1 Is this a second job, the military reserves, (his/her) own business, or what? (CODE ALL THAT APPLY.) 5102 R88.1 A. SECOND JOB 5103 R88.1 B. MILITARY (Reserves including Cost Guard, National Guard Service) 5104 R88.1 C. BUSINESS 5105 R88.1 D. OTHER: 1. Checked 5. Not checked 0. Inap. (No spouse, not currently working, no second job) 4506 R40.2 IWER: DOES R WORK FOR A BUSINESS REPORTED IN SECTION F? 5106 R88.2 IWER: DOES R WORK FOR A BUSINESS REPORTED IN SECTION F? CHECK F22. 1. YES 5. NO 0. Inap. (No spouse, not currently working, no second job, not working for a business) 4507 R41. How many hours do you work on these other jobs in a normal week? 5107 R89. How many hours does (he/she) work on these other jobs in a normal week? Code # HOURS -2. 95 hours or more; "all the time"; "24 hours a day" -1. None; hours accounted for in main job 0. Inap. (No spouse, not currently working, no second job) 4508 R42. Counting paid vacations as weeks of work, how many weeks do you work on these other jobs in a normal year? 5108 R90. Counting paid vacations as weeks of work, how many weeks does (he/she) work on these other jobs in a normal year? Code # WEEKS 0. Inap. (No spouse, not currently working, no second job) 4509 R43. About how much do you earn before taxes from these other jobs? (Is that per hour, week, month, year, or what?) 5109 R91. About how much does (he/she) earn before taxes from these other jobs? (Is that per hour, week, month, year, or what?) Code actual amount -1. Zero; Nothing yet; Unpaid work in family business/farm 0. Inap. (No spouse, not currently working, no second job) 4510 R43. PER 5110 R91. PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 14. By the job 18. Hour 0. Inap. (No spouse, not currently working, no second job) 4511 R44. Thinking about all your current work for pay, do you consider yourself to be working full-time or part-time? (IF R IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS WHEN R IS WORKING".) 5111 R92. Thinking about all (his/her) current work for pay, does(he/she) consider (himself/herself) to be working full-time or part-time? (IF S IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS WHEN S IS WORKING".) 1. FULL-TIME 2. PART-TIME 0. Inap. (No spouse, not currently working) ----------------------------------------------------------------------------- WORK HISTORY ----------------------------------------------------------------------------- WORK HISTORY FOR THOSE CURRENTLY WORKING FULL-TIME 4512 R45. (READ SLOWLY:) Now I have a few questions about your past jobs. Including any periods of self-employment, the military, and your current job, since you were 18, how many years have you worked full-time? (Roughly how many years?) 5112 R93. (READ SLOWLY:) Now I have a few questions about (his/her)past jobs. Including any periods of self- employment, the military, and (his/her) current job, since (he/she) was18, how many years has (he/she) worked full-time for all or most of the year? (Roughly how many years?) Code # YEARS -1. LESS THAN 1 YEAR 0. Inap. (No spouse, R/S44 not full-time) 4513 R45.1 Including any self-employment and your current job, for how many different employers have you worked in full-time jobs lasting one year or more? 5113 R93.1 Including any selfemployment and (his/her) current job, for how many different employers has (he/she) worked in full-time jobs lasting one year or more? Code # EMPLOYERS -1. None; not yet worked a full time year 0. Inap. (No spouse, R/S44 not full-time) 4514 R45.2 Now, not counting your current job, have you ever had a full-time job that lasted for three years or more? 5114 S93.2 Now, not counting (his/her) current job, has (he/she) ever had a full-time job that lasted for three years or more? 1. YES 5. NO 0. Inap. (No spouse, R/S44 not full-time, less than 1 year of full-time employment) 4515 R45.3 I want to know about the longest such job you had. Did you work for someone else, were you self-employed, or what? 5115 R93.3 I want to know about the longest such job (he/she) had. Did (he/she) work for someone else, was (he/she) self- employed, or what? 1. SOMEONE ELSE 2. SELF-EMPLOYED 3. partnership -7. Other 0. Inap. (No spouse, R/S44 not full-time, no past job of 3 or more years) 7405 R45.4 What sort of work were you doing when you left that job? (Tell me a little more about what you did.) 7415 R93.4 What sort of work was (he/she) doing when (he/she) left that job? (Tell me a little more about what [he/she] did.) Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 7406 R45.5 What kind of business or industry did you work in -- that is, what did they make or do at the place where you worked? 7416 R93.5 What kind of business or industry did (he/she) work in -- that is, what did they make or do at the place where (he/she) worked? Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4518 R45.6 In what year did you start working at that job? 5118 R93.6 In what year did (he/she) start working at that job? Code YEAR 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4519 R45.7 In what year did you stop working at that job? 5119 R93.7 In what year did (he/she) stop working at that job? Code YEAR -1. Didn't stop; still working in this job 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4520 R45.8 About how much were you earning before taxes when you stopped? (Is that per hour, week, month, year, or what?) 5120 R93.8 About how much was (he/she) earning before taxes when (he/she) stopped? (Is that per hour, week, month, year, or what?) Code actual amount -1. Nothing; zero; "had a loss" 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4521 R45.8 PER 5121 R93.8 PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 18. Hour 0. Inap. (No spouse, R/S44 not full-time, no past jobs of 3 or more years) 4522 R45.9 Since you were 18, have there been years when you only worked part-time? 5122 R93.9 Since (he/she) was 18, have there been years when (he/she) only worked part-time? 1. YES 5. NO 0. Inap. (No spouse, R/S44 not full-time) 4523 R45.10 About how many years in total did you work part-time? 5123 R93.10 About how many years in total did (he/she) work part-time? Code # YEARS -1. None 0. Inap. (No spouse, R/S44 not full-time, never worked part-time for most of a year) 4524 R45.11 Thinking now of the future, when do you expect to stop working full-time? -- YEARS 5124 R93.11 Thinking now of the future, when does (he/she) expect to stop working full-time? -- YEARS Code YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not full-time) 7728 R45.11 Thinking now of the future, when do you expect to stop working full-time? -- AGE 7727 R93.11 Thinking now of the future, when does (he/she) expect to stop working full-time? -- AGE Code AGE -1. NEVER STOP 0. Inap. (No spouse, R/S44 not full-time) 4525 R45.12 Do you expect to work part-time after that? 5125 R93.12 Does (he/she) expect to work part-time after that? 1. YES 5. NO 0. Inap. (No spouse, R/S44 not full-time, never expects to stop working full-time) 4526 R45.13 In what year do you expect to stop working altogether? -- YEAR 5126 S45.13 In what year does (he/she) expect to stop working altogether? -- YEAR Code YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not full-time, never expects to stop working full-time, does not expect to work part-time after ending full-time work) 7700 R45.13 In what year do you expect to stop working altogether? -- AGE 7729 S45.13 In what year does (he/she) expect to stop working altogether? -- AGE Code AGE -1. NEVER STOP 0. Inap. (No spouse, R/S44 not full-time, never expects to stop working full-time, does not expect to work part-time after ending full-time work) WORK HISTORY FOR THOSE CURRENTLY WORKING PART-TIME 4527 R46. Now I have a few questions about your past work. Including any periods of self-employment and your current job, since you were 18, about how many years in total have you worked part-time for all or most of the year? (Roughly how many years?) 5127 R94. Now I have a few questions about (his/her) past work. Including any periods of self-employment and (his/her) current job, since (he/she) was 18, about how many years in total has (he/she) worked part-time for all or most of the year? (Roughly how many years?) Code # YEARS -1. LESS THAN 1 YEAR 0. Inap. (No spouse, R/S44 not part-time) 4528 R46.1 Since you were 18, have you ever worked full-time for pay --including any self-employment and the military? 5128 R94.1 Since (he/she) was 18, has (he/she) ever worked fulltime for pay -- including any selfemployment and the military? 1. YES 5. NO 0. Inap. (No spouse, R/S44 not part-time) 4529 R46.2 How many years have you worked full-time for all or most of the year? (Roughly how many years?) 5129 R94.2 How many years has (he/she) worked full-time for all or most of the year? (Roughly how many years?) Code # YEARS -1. None 0. Inap. (No spouse, R/S44 not part-time, never worked full-time) 4530 R46.3 INTERVIEWER CHECKPOINT -- SEE R46.2 5130 R94.3 INTERVIEWER CHECKPOINT -- SEE R94.2 1. R/S HAS WORKED FULL-TIME AT LEAST 5 YEARS OR DK 2. ALL OTHERS 0. Inap. (No spouse, R/S not part-time, never worked full-time) 4531 R46.4 In what year did you last work full time for pay? 5131 R94.4 In what year did (he/she) last work full time for pay? Code YEAR 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time 5 or more years) 4532 R46.5 About how much did you earn before taxes that year? (Is that per hour, week, month, year, or what?) 5132 R94.5 About how much did (he/she) earn before taxes that year? (Is that per hour, week, month, year, or what?) Code actual amount -1. Nothing; zero; "had a loss" 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time 5 or more years) 4533 R46.5 PER 5133 R94.5 PER 1. Day 2. Week 4. Month 5. Quarter 6. Year -7. Other 18. Hour 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time 5 or more years) 4534 R46.6 Including any self-employment and your current job, for how many different employers have you worked in full-time jobs lasting one year or more? 5134 R94.6 Including any self-employment and (his/her) current job,for how many different employers has (he/she) worked in full-time jobs lasting one year or more? Code # EMPLOYERS -1. None 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4535 R46.7 I want to know about the longest full-time job you had. Did you work for someone else, were you self-employed, or what? 5135 R94.7 I want to know about the longest fulltime job (he/she)had. Did (he/she) work for someone else, was (he/she) self-employed, or what? 1. SOMEONE ELSE 2. SELF-EMPLOYED 3. partnership -7. OTHER 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 7407 R46.8 What sort of work were you doing? (Tell me a little more about what you did.) 7417 R94.8 What sort of work was (he/she) doing? (Tell me a little more about what [he/she] did.) Code 3-digit 1980 Census OCCUPATION Code 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 7408 R46.9 What kind of business or industry did you work in -- that is, what did they make or do at the place where you worked? 7418 R94.9 What kind of business or industry did (he/she) work in that is, what did they make or do at the place where (he/she) worked? Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4538 R46.10 When did you start working at that job? 5138 R94.10 When did (he/she) start working at that job? Code YEAR 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4539 R46.11 When did you stop working full-time at that job? 5139 R94.11 When did (he/she) stop working full-time at that job? Code YEAR -1. Didn't stop; still working (part-time) at that job 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4540 R46.12 About how much were you earning before taxes when you stopped? (Is that per hour, week, month, year, or what?) 5140 R94.12 About how much was (he/she) earning before taxes when (he/she) stopped? (Is that per hour, week, month, year, or what?) Code actual amount -1. Nothing; zero; "had a loss" 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4541 R46.12 PER 5141 R94.12 PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 18. Hour 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4542 R46.13 In what year did you last work full-time for pay? 5142 R94.13 In what year did (he/she) last work fulltime for pay? Code YEAR 0. Inap. (No spouse, R/S44 not part-time, never worked full-time, worked full-time fewer than 5 years) 4543 R46.14 Thinking now of the future, do you expect to do any full -time work for pay? 5143 R94.14 Thinking now of the future, does (he.she) expect to do any full-time work for pay? 1. YES 5. NO 0. Inap. (No spouse, R/S44 not part-time) 4544 R46.15 In what year do you expect to start working full-time? 5144 R94.15 In what year does (he/she) expect to start working full-time? Code # YEARS 0. Inap. (No spouse, R/S44 not part-time, does not expect to work full-time in future) 4545 R46.16 And in what year do you expect to stop working full-time? -- YEARS 5145 R94.16 And in what year does (he/she) expect to stop working full-time? -- YEARS Code # YEARS -1 . NEVER STOP 0. Inap. (No spouse, R/S44 not part-time, does not expect to work full-time in future) 7701 R46.16 And in what year do you expect to stop working full-time? -- AGE 7730 R94.16 And in what year does (he/she) expect to stop working full-time? -- AGE Code AGE -1. NEVER STOP 0. Inap. (No spouse, R/S44 not part-time, does not expect to work full-time in future) 4546 R46.17 In what year do you expect to stop working for pay altogether? -- YEARS 5146 R94.17 In what year does (he/she) expect to stop working for pay altogether? -- YEARS Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, R/S44 not part-time, never expects to stop full-time work) 7702 R46.17 In what year do you expect to stop working for pay altogether? -- AGE 7731 R94.17 In what year does (he/she) expect to stop working for pay altogether? -- AGE Code AGE -1. NEVER STOP 0. Inap. (No spouse, R/S44 not part-time, never expects to stop full-time work) WORK HISTORY FOR THOSE CURRENTLY RETIRED/DISABLED, HOMEMAKER, STUDENT, OR OTHER 4601 R47. Since you were 18 have you ever worked full-time for pay? 5201 R95. Since (he/she) was 18 has (he/she) ever worked full time for pay? 1. YES 5. NO 0. Inap. (No spouse, currently working) 4602 R47.1 How many years have you worked full-time for all or most of the year? Include any periods of self-employment, and the military. (Roughly how many years?) 5202 R95.1 How many years has (he/she) worked full time for all or most of the year? Include any periods of self-employment, and the military. (Roughly how many years?) Code # YEARS -1. None 0. Inap. (No spouse, currently working, never worked full-time) 4603 R47.2 INTERVIEWER CHECKPOINT 5203 R95.2 INTERVIEWER CHECKPOINT 1. R HAS WORKED AT LEAST 5 YEARS OR MORE FULL-TIME OR DK 2. ALL OTHERS 0. Inap. (No spouse, currently working, never worked full-time) 4604 R47.3 When did you last work full-time for pay? 5204 R95.3 When did (he/she) last work full time for pay? Code YEAR 0. Inap. (No spouse, currently working, never worked full-time, worked full-time 5 years or more) 4605 R47.4 About how much did you earn before taxes that year? (Is that per hour, week, month, year, or what?) 5205 R95.4 About how much did (he/she) earn before taxes that year? (Is that per hour, week, month, year, or what?) Code actual amount -1. Nothing; zero; "had a loss" 0. Inap. (No spouse, currently working, never worked full-time, worked full-time 5 years or more) 4606 R47.4 PER 5206 R95.4 PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 18. Hour 0. Inap. (No spouse, currently working, never worked full-time, worked full-time 5 years or more) 4607 R47.5 Including any self-employment and your current job, for how many different employers have you worked in full-time jobs lasting one year or more? 5207 R95.5 Including any self-employment and (his/her) current job, for how many different employers has (he/she) worked in full-time jobs lasting one year or more? Code # EMPLOYERS -1. None 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4608 R47.6 I want to know about the longest full-time job you had. Did you work for someone else, were you self-employed, or what? 5208 R95.6 I want to know about the longest full-time job (he/she) had. Did (he/she) work for someone else, was (he/she) self-employed, or what? 1. SOMEONE ELSE 2. SELF-EMPLOYED 3. partnership -7. OTHER 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 7409 R47.7 What sort of work were you doing when you left that job? (Tell me a little more about what you did.) 7419 R95.7 What sort of work was (he/she) doing when (he/she) left that job? (Tell me a little more about what [he/she] did.) Code 3-digit 1980 Census OCCUPATION Code 0. Inap. 7410 R47.8 What kind of business or industry did you work in -- that is, what did they make or do at the place where you worked? 7420 R95.8 What kind of business or industry did (he/she) work in -- that is, what did they make or do at the place where (he/she) worked? Code 3-digit 1980 Census INDUSTRY Code 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4611 R47.9 In what year did you start working at that job? 5211 R95.9 In what year did (he/she) start working at that job? Code YEAR 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4612 R47.10 In what year did you stop working at that job? 5212 R95.10 In what year did (he/she) stop working at that job? Code YEAR 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4613 R47.11 About how much were you earning before taxes when you stopped? (Is that per hour, week, month, year, or what?) 5213 R95.11 About how much was (he/she) earning before taxes when (he/she) stopped? (Is that per hour, week, month, year, or what?) Code actual amount -1. Nothing; zero; "had a loss" 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4614 R47.11 PER 5214 R95.11 PER 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 18. Hour 0. Inap. (No spouse, currently working, never worked full-time, worked full-time less than 5 years) 4615 R47.12 Since you were 18, were there any years when you (only) worked part-time for all or most of the year? 5215 R95.12 Since (he/she) was 18, were there any years when (he/she) (only) worked part-time for all or most of the year? 1. YES 5. NO 0. Inap. (No spouse, currently working) 4616 R47.13 For about how many years did you work part-time (for all or most of the year)? 5216 R95.13 For about how many years did (he/she) work part-time (for all or most of the year)? Code # YEARS -1. None 0. Inap. (No spouse, currently working, never worked part-time) 4617 R47.14 Do you expect to work for pay in the future? 5217 R95.14 Does (he/she) expect to work for pay in the future? 1. YES 5. NO 0. Inap. (No spouse, currently working) 4618 R47.15 In what year do you expect to start working? 5218 R95.15 In what year does (he/she) expect to start working? Code # YEARS 0. Inap. (No spouse, currently working, does not expect to work in future) 4619 R47.16 Will any of that be full-time work? 5219 R95.16 Will any of that be full-time work? 1. YES 5. NO 0. Inap. (No spouse, currently working, does not expect to work in future) 4620 R47.17 In what year do you expect to start working full-time? 5220 R95.17 In what year does (he/she) expect to start working full-time? Code # YEARS 0. Inap. (No spouse, currently working, does not expect to work in future, does not expect to work full-time in future) 4621 R47.18 And in what year do you expect to stop working full-time? -- YEARS 5221 R95.18 And in what year does (he/she) expect to stop working full-time? -- YEARS Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, currently working, does not expect to work in future, does not expect to work full-time in future) 7703 R47.18 And in what year do you expect to stop working full-time? -- AGE 7732 R95.18 And in what year does (he/she) expect to stop working full-time? -- AGE Code AGE -1. NEVER STOP 0. Inap. (No spouse, currently working, does not expect to work in future, does not expect to work full-time in future) 4622 R47.19 In what year do you expect to stop working for pay altogether? -- YEARS 5222 R95.19 In what year does (he/she) expect to stop working for pay altogether? -- YEARS Code # YEARS -1. NEVER STOP 0. Inap. (No spouse, currently working, does not expect to work in future, does not expect to work full-time in future, never expects to stop full-time work in future) 7704 R47.19 In what year do you expect to stop working for pay altogether? -- AGE 7733 R95.19 In what year does (he/she) expect to stop working for pay altogether? -- AGE Code AGE -1. NEVER STOP 0. Inap. (No spouse, currently working, does not expect to work in future, does not expect to work full-time in future, never expects to stop full-time work in future) INFORMATION LINKED FROM 1992 CURRENT POPULATION SURVEY BY OCCUPATION CODE FOR PRIOR JOB 8171 (R) R: Unconditional mean wage for occupation group in 1992 8172 (S) For each occupation group, regressions were run separately for males and females of the log of annualized wages on a constant, a spline on age (AGE, MAX(0, AGE-35), MAX(0,AGE-55)), a dummy variable for part-time employment (1 = working 20 or fewer hours per week), a dummy variable for self-employment (1 = self-employed), a dummy for race (1 = Hispanic or non-white), and dummy variables for years of education (1 = : 12 years of education, some college or an Associate's degree, Bachelor's degree, higher degree than Bachelor's degree). If there were too few people in a CPS 3-digit occupation group, either the SCF case was matched to a neighboring occupation group, or the match was made at the level of the 2-digit occupation code. Some of the model coefficients may be identically zero where there are too few cases in the appropriate cells in the CPS to identify the coefficients. 8125 (R) R: 10000 * Intercept 8126 (S) 8119 (R) R: For age in [1, 35]: 10000 * Coefficient of AGE 8120 (S) 8121 (R) R: For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35) 8122 (S) 8123 (R) R: For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55) 8124 (S) 8332 (R) R: 10000 * Coefficient of dummy for part-time employment 8333 (S) 8334 (R) R: 10000 * Coefficient of dummy for self-emlpoyment 8335 (S) 8336 (R) R: 10000 * Coefficient of dummy for Hispanic or nonwhite 8337 (S) 8338 (R) R: 10000 * Coefficient of dummy for 12 years of education 8339 (S) 8340 (R) R: 10000 * Coefficient of dummy for some college or 8341 (S) Associate's degree 8342 (R) R: 10000 * Coefficient of dummy for Bachelor's degree 8343 (S) 8344 (R) R: 10000 * Coefficient of dummy for higher degree than 8345 (S) Bachelor's degree 8127 (R) R: 10000 * Standard error log regression 8128 (S) 8129 (R) R: Annualized level of expected income from regression 8130 (S) (corrected for non-zero expectation of error term for level) ----------------------------------------------------------------------------- SOCIAL SECURITY, CURRENTLY RECEIVED PENSIONS, PENSIONS TO BE RECEIVED IN THE FUTURE ----------------------------------------------------------------------------- 5301 R96. Are you (or your [husband/wife/partner]) currently receiving Social Security benefit payments, or any other type of pension, retirement, or disability benefit payment? (DO NOT INCLUDE SUPPLEMENTAL SECURITY INCOME (SSI). INTERVIEWER: IF R ANSWERED "YES" AT R17.1 OR S ANSWERED "YES" AT R65.1 THAT PENSION SHOULD BE REPORTED HERE.) 1. YES 5. NO 5302 R96.1 Do these include Social Security benefit payments? 1. YES 5. NO 0. Inap. (Not receiving pension or Social Security income) R96.2 Are you both receiving Social Security payments or is only one of you? [Which one?] IWER: CHECK PERSON(S) (RESP, SPOUSE) IN R96.3 THEN ASK FOLLOWUP QUESTIONS R96.4-R96.6 FOR EACH. 5303 R96.3 RECIPIENT -- RESPONDENT 5308 R96.3 RECIPIENT -- SPOUSE 1. Checked 5. Not checked (including no spouse) 0. Inap. (not receiving pension or Social Security benefits: X5301^=1; not receiving Social Security: X5302^=1) 5304 R96.4 Are the payments for retirement, disability or 5309 survivors benefits? 1. RETIREMENT 2. DISABILITY 3. Widow's/survivor's benefits -7. Other 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits) 5305 R96.5 How long (have you/has he/has she) received these 5310 benefits? -- YEARS Code # YEARS 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits) 7734 R96.5 How long (have you/has he/has she) received these 7735 benefits? -- SINCE 19__ Code SINCE WHAT YEAR 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits) 5306 R96.6 How much (do you/does he/does she) receive each month or 5311 year? Code actual amount 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits) 5307 R96.6 PER 5312 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Not receiving pension or Social Security income, no spouse, PERSON not receiving Social Security benefits) 5313 R97. Are you (or your [husband/wife/partner]) currently receiving any other retirement, pension, or disability benefit payments? 1. YES 5. NO 0. Inap. 5314 R97.1 Not counting Social Security, how many retirement, pension or disability benefit payments are you (and your [husband/wife/partner]) currently receiving? (DO NOT INCLUDE INCOME FROM IRA AND KEOGH ACCOUNTS ALREADY REPORTED.) (ASKED IF R/S RECEIVING SOCIAL SECURITY BENEFITS, INFERRED FOR OTHERS) Code # PENSION/DISABILITY PAYMENTS 0. Inap. (Not receiving pension or Social Security income) R97.2 (For the first/second/next benefit) who is receiving these benefit payments, you or your (husband/wife/partner), and what kind are they? IWER: MARK ONE RECIPIENT AND TYPE OF BENEFIT FOR ALL BENEFITS REPORTED. THEN ASK FOLLOWUP QUESTIONS R97d- R97h FOR EACH BENEFIT. 5315(#1) RECIPIENT 5323(#2) 5331(#3) 1. RESPONDENT 5415(#4) 2. SPOUSE 5423(#5) 0. Inap. (Not receiving pension or Social Security income, no spouse) 5431(#6) R97.3 Is this a benefit from your current job, past job, a disability or military benefit, spouse's pension or something else? 5316(#1) TYPE OF BENEFIT 5324(#2) 5332(#3) 1. CURR JOB PENS 5416(#4) 2. PAST JOB PENS 5424(#5) 3. DISABILITY 5432(#6) 4. MILITARY (retirement or disability) 5. SPOUSE PENS 11. Union pension -7. OTHER 0. Inap. (Not receiving pension or Social Security income, no further benefits) For the public use tape, Union pension (11) and Past job pension (2) are combined in 2. 5317(#1) R97.4 How long have (you/he/she) received this benefit? 5325(#2) -- YEARS 5333(#3) 5417(#4) Code # YEARS 5425(#5) 0. Inap. (Not receiving pension or Social Security 5433(#6) income, no further benefits) -1. 0 years, since 1992 7736(#1) R97.4 How long have (you/he/she) received this benefit? 7738(#2) -- SINCE 19__ 7740(#3) 7742(#4) Code SINCE WHAT YEAR 7744(#5) 0. Inap. (Not receiving pension or Social Security 7746(#6) income, no further benefits) 5318(#1) R97.5 How much is received each month or year? 5326(#2) 5334(#3) Code actual amount 5418(#4) 0. Inap. (Not receiving pension or Social Security 5426(#5) income, no further benefits) 5434(#6) 5319(#1) R97.5 PER 5327(#2) 5335(#3) 5419(#4) 5427(#5) 4. Month 5435(#6) 6. Year 0. Inap. (Not receiving pension or Social Security income, no further benefits) 5320(#1) R97.6 Has this benefit been increased when the cost of living 5328(#2) has increased? 5336(#3) 5420(#4) 1. YES 5428(#5) 5. NO 5436(#6) 0. Inap. (Not receiving pension or Social Security income, no further benefits) 5321(#1) R97.7 INTERVIEWER CHECKPOINT: IS R LEGALLY MARRIED? 5329(#2) 5337(#3) 5421(#4) 1. YES 5429(#5) 5. NO 5437(#6) 0. Inap. (Not receiving pension or Social Security income, no further benefits) 5322(#1) R97.8 If (RECIPIENT) were to die, what percent of this benefit 5330(#2) would (you/your husband/your wife) continue to receive or 5338(#3) would the benefits stop? 5422(#4) 5430(#5) Code PERCENT to 2 decimal places 5438(#6) -1. STOP -7. OTHER 0. Inap. (Not receiving pension or Social Security income, no further benefits, no spouse) 7737(#1) R97.9 IS THERE ANOTHER BENEFIT? 7739(#2) 7741(#3) 7743(#4) 1. YES 7745(#5) 5. NO 0. Inap. (Not receiving pension or Social Security income, no further benefits) 5501 R98. Have you (or your [husband/wife/partner]) ever received a cash settlement from a pension or retirement plan of a previous job? 1. YES 5. NO 5502 R98.1 How many different cash settlements have you (or your [husband/wife]) received? Code # CASH SETTLEMENTS 0. Inap. (No cash settlements) R98.2 Who received (this/the first/second/etc) cash settlement, you or your (husband/wife/partner)? 5503(#1) WHO 5506(#2) 5509(#3) 1. RESPONDENT 5512(#4) 2. SPOUSE 5515(#5) 0. Inap. (No cash settlements, no further settlements) R98.3 What was the amount of this (first/second/third/ fourth/fifth) cash settlement? 5504(#1) AMOUNT 5507(#2) 5510(#3) Code actual amount 5513(#4) 0. Inap. (No cash settlements, no further settlements) 5516(#5) R98.4 In what year was (this/the first/second/ third/fourth/fifth) cash settlement received? 5505(#1) YEAR RECEIVED 5508(#2) 5511(#3) Code YEAR 5514(#4) 0. Inap. (No cash settlements, no further settlements) 5517(#5) 7747(#1) R98.5 INTERVIEWER: Is there another settlement? 7748(#2) 7749(#3) 1. YES 7750(#4) 5. NO 0. Inap. (No cash settlements, no further settlements) 5601 R99. Now I want to ask about future pension benefits that you (and your[husband/wife/partner]) have earned rights to from your past or current jobs. Aside from Social Security and any pension benefits you have already told me about, do you (and your [husband/wife/ partner]) expect to receive any (other) pension benefits in the future? 1. YES 5. NO 5602 R99.1 How many such benefits do you (and your [husband/wife/ partner]) expect to receive in the future? Code # FUTURE BENEFITS 0. Inap. (No other future pension benefits) 5606(A) R99.2 Who expects to receive (this/the largest/the next) benefit? 5614(B) 5622(C) 1. RESPONDENT 5630(D) 2. SPOUSE 5638(E) 0. Inap. (No other future pension benefits) 5646(F) 5603(A) R99.3 About (this/the largest/the next) benefit, is this from a 5611(B) pension plan where a certain amount of money is 5619(C) accumulated in an account for you, a formula plan that 5627(D) will give you a specific amount of income each month or 5635(E) year when you retire, or what? 5643(F) 1. INCOME FORMULA 2. ACCOUNT 3. BOTH 0. Inap. (No other future pension benefits, no further future pension benefits) 5604(A) R99.4 How much is in the account now? 5612(B) 5620(C) Code actual amount 5628(D) 0. Inap. (No other future pension benefits, no 5636(E) further future pension benefits, an income-formula 5644(F) pension) 5605(A) R99.5 Is this part of an IRA, Keogh or pension I 5613(B) recorded earlier? (Which?) 5621(C) 5629(D) 1. R claimed YES IRA/KEOGH, but no such IRA/KEOGH 5637(E) 2. R claimed YES PENSION, but no such PENSION 5645(F) 5. NO 0. Inap. (No other future pension benefits, no further future pension benefits, not account-type pension) 5607(A) R99.6 When do you expect these benefits to start? __ AGE 5615(B) 5623(C) Code AGE 5631(D) 0. Inap. (No other future pension benefits, no 5639(E) further future pension benefits) 5647(F) 7751(A) R99.6 When do you expect these benefits to start? YEARS 7752(B) 7753(C) Code YEARS 7754(D) 0. Inap. (No other future pension benefits, no 7755(E) further future pension benefits) 7756(F) 5608(A) R99.7 About how much per month do you expect them to be? 5616(B) 5624(C) Code $ amount 5632(D) -1. NONE 5640(E) 0. Inap. (No other future pension benefits, no 5648(F) further future pension benefits) 5609(A) R99.7 PER 5617(B) 5625(C) 5633(D) 5641(E) 2. Weekly 5649(F) 4. Month 5. Quarter 6. Year -7. Other 8. Lump sum; one payment only 0. Inap. (No other future pension benefits, no further future pension benefits) 5610(A) R99.8 INTERVIEWER: Is there another benefit? 5618(B) 1. YES 5626(C) 5. NO 5634(D) 5642(E) 0. Inap. (No other future pension benefits, no further future pension benefits) ----------------------------------------------------------------------------- INCOME, AGI, MISC. ----------------------------------------------------------------------------- T1. We have talked about various sources of income. Now we would like to get the overall picture of all the different sources of income that you and members of your family living here had in 1991. Did anyone have income from wages and salaries, including bonuses, overtime and commissions? (RECORD IN COLUMN T1 AND ASK T2 FOR EACH SOURCE OF INCOME AS IT IS MENTIONED.) 5701 T1.1 WAGES AND SALARIES? 5703 T1.2 Did (you/anyone) have income or loss from a professional practice, business or farm? (Other than wages or salaries) 5705 T1.3 ...non-taxable investments such as municipal bonds? 5707 T1.4 ...other interest income? 5709 T1.5 ...dividends? 5711 T1.6 ...net gains or losses from the sale of stocks, bonds, or real estate? 5713 T1.7 ...net rent, trust income, or royalties from any other investment or business? 5715 T1.8 ...unemployment or worker's compensation? 5717 T1.9 ...child support or alimony? 5719 T1.10 Did (you/anyone) have income from ADC AFDC, food stamps, or other forms of welfare or assistance, such as SSI? 5721 T1.11 ...income from Social Security or other pensions, annuities, or other disability or retirement programs? 1. YES 5. NO 5702 T2.1 In total, how much income from (SOURCE) did you (and your 5704 T2.2 family) receive in 1991, before deductions for taxes and 5706 T2.3 anything else? [WRITE LOSSES ( ).] 5708 T2.4 5710 T2.5 Code actual amount 5712 T2.6 0. Inap. (No SOURCE income) 5714 T2.7 5716 T2.8 5718 T2.9 5720 T2.10 5722 T2.11 5723 T1.12 Did you (or anyone in your family living here) have income from any other sources? (What other sources?) 1. YES 5. NO 5725(1st) T1.12 PROBE: What other sources? 5727(2nd) 1. Settlements: from lawsuits, divorce, insurance 2. Gambling winnings; prize money 3. Education scholarships or grants (not incl. loans); G.I. Bill; "fellowships" 4. Honorarium 11. "IRA", NFS; IRA withdrawal 12. Inheritance/gifts 13. Other help/support from relatives 14. Repayment of debts 15. Income tax refund 21. Care of foster child in the home 22. Housing subsidy/rent paid by some (gov't) agency 23. Trustee fee; executor fee 30. Sale of asset (coding as capital gain/loss has priority) -7. Other 0. Inap. (No other income, no additional sources of other income) For the public use tape, Education (3), Honoraria (4), Care of foster children (21), and Other (-7) are combined in -7. 5724(1st) T2.12 In total, how much income from (SOURCE) did you (and your 5726(2nd) family) receive in 1991, before deductions for taxes and anything else? [WRITE LOSSES ( ).] Code actual amount 0. Inap. (No other income, no additional sources of other income) 5729 T3. How much was the total income you (and your family living here) received in 1991 from all sources, before taxes and other deductions were made? NOTE: Raw data of 1 indicates that Q2.1-Q2.12 added up by us Code actual amount -1. Zero; no income 8182 R: Sum of values given in T2a through T2n Code amount 5730 T4. Did you (and your family living here) receive more than $30,000 in 1991? T4.1 Was it $50,000 or more? T4.2 Was it $100,000 or more? T4.3 Was it $250,000 or more? T4.4 Was it $5,000 or more? T4.5 Was it $10,000 or more? T4.6 Was it $20,000 or more? 1. Less than $5,000 2. $5,000 - $10,000 3. $10,000 - $20,000 4. $20,000 - $30,000 5. $30,000 - $50,000 6. $50,000 - $100,000 7. $100,000 - $250,000 8. $250,000 or more 0. Inap. (Q2.1-Q2.12 added up) 7650 T4.7 Is this income unusually high or low compared to what you would expect in a "normal" year, or is it normal? 1. HIGH 2. LOW 3. NORMAL 5731 T5. During 1991, did you (or anyone in your family living here) pay any alimony or child support? 1. YES 5. NO 5732 T5.1 Altogether, how much alimony and/or child support did you (and your family) pay in 1991? Code actual amount 0. Inap. (Paid no alimony or child support) 5733 T6. During 1991, did you (or anyone in your family living here) provide any (other) financial support for relatives or friends who do not live here? 1. YES 5. NO 5734 T6.1 How much support did you (and your family) pay? Code actual amount 0. Inap. (Provided no financial support) T6.2 To whom was this support given? (Anyone else?) (CODE ALL THAT APPLY.) 5735 T6.2 CHILDREN UNDER 18 5736 T6.2 CHILDREN 18 AND OVER 5737 T6.2 PARENTS (IN-LAW) 5738 T6.2 GRANDCHILDREN 5739 T6.2 GRANDPARENTS 5740 T6.2 SIBLINGS (IN-LAW) 5741 T6.2 NIECE/NEPHEW 5742 T6.2 FRIEND 5743 T6.2 OTHER 1. Checked 2. Aunt/uncle (5743 only) 5. Not checked -7. Other (5743 only) 0. Inap. (Provided no financial support) 5744 T7. Did you (or your [husband/wife/partner]) file or do you expect to file a 1991 Federal Income tax return? 1. YES 5. NO 6. NOT YET FILED 5745 T7.1 INTERVIEWER CHECKPOINT -- see HHL, p.1. Is R married/living with partner? 1. RESPONDENT MARRIED/LIVING WITH PARTNER 2. ALL OTHERS 5746 T7.2 Did/will you and your (husband/wife/partner) file a joint return, did/will you file separately, or did/will only one of you file? (Which one?) 1. FILE JOINTLY 2. FILE SEPARATE 3. ONLY R FILE 4. ONLY S FILE 0. Inap. (Did not file 1991 return, not married) T7.3 Did/will you (or your [husband/wife/partner]) file a Schedule C, E or F with your return? (CODE ALL THAT APPLY (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME OR SELF-EMPLOYMENT, "E" IS FOR TRUST AND PARTNERSHIP INCOME, AND "F" IS FOR FARM INCOME.) 5747 T7.3 A. SCHED C 5748 T7.3 B. SCHED E 5749 T7.3 C. SCHED F 5750 T7.3 D. NO 1. Checked 5. Not checked 0. Inap. (Did not file 1991 return, filed separately, only respondent/spouse/partner filed) 5751 T7.4 What was/will be your (and your [husband's/wife's/partner's]) total adjusted gross income (AGI) on your 1991 return? (What do you think it will be?) (FORM 1040, LINE 3) Code actual amount -1. Zero; nothing 0. Inap. (Did not file 1991 return, filed separately, only respondent/spouse/partner filed) (IF R WAS NOT MARRIED IN 1991 OR R WAS MARRIED TO A DIFFERENT PERSON, ASK FOR ADJUSTED GROSS INCOME (AGI) ON THE FORM R FILES AND NOTE ANY COMPLICATIONS IN THE MARGIN.) T7.5 Did you file a Schedule C, E or F with your return? (CODE ALL THAT APPLY.) (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME OR SELF-EMPLOYMENT, "E" IS FOR TRUST AND PARTNERSHIP INCOME, AND "F" IS FOR FARM INCOME.) 7758 T7.5 A. SCHED C 7759 T7.5 B. SCHED E 7760 T7.5 C. SCHED F 7761 T7.5 D. NO 1. Checked 5. Not checked 0. Inap. (Did not file 1991 return, filed jointly, only spouse/partner filed ) 7651 T7.6 What will be your total adjusted gross income (AGI) on your 1991 tax return? (What do you think it will be?) (ASKED OF RESPONDENTS FILING SEPARATELY.) Code actual amount -1. Zero; nothing 0. Inap. (Did not file 1991 return, filed jointly, only spouse/partner filed ) T7.7 Did your (husband/wife/partner) file a Schedule C, E, or F with your return? (CHECK ALL THAT APPLY.) (ONLY SPOUSE FILED OR WILL FILE) 7762 T7.7 A. SCHED C 7763 T7.7 B. SCHED E 7764 T7.7 C. SCHED F 7765 T7.7 D. NO 1. Checked 5. Not checked 0. Inap. (Did not file 1991 return, filed jointly, only respondent filed) 7652 T7.8 What was (his/her) total adjusted gross income (AGI) on your 1991 tax return? (What do you think it will be?) Code actual amount -1. Zero; nothing 0. Inap. (Did not file 1991 return, filed jointly, only respondent filed) ----------------------------------------------------------------------------- INHERITANCES, MISC. ----------------------------------------------------------------------------- 5801 X1. Have you (or your [husband/wife/partner]) ever received an inheritance, or been given substantial assets in a trust or in some other form? 1. YES (Include if mentioned, inheritances to R's resident "dependent" children--if not from R or spouse. 5. NO 5802 X2. How many of these have you (or your [husband/wife/partner]) ever received? See explanation with 8999 below. Code # OF INHERITANCES, TRUSTS, OTHER TRANSFERS 0. Inap. (Never received inheritances) 8357 Value of X2 reported by the respondent. Often respondents reported that a property, business, etc was inherited or was acquired as a gift, but the asset was not reported in the summary inheritance questions in Section X. A set of rules was used to incorporate these assets in the summary measures. For each asset the respondent reported as an inheritance/gift each inheritance/gift/trust in Section X was examined to see if there was a plausible match. When no match could be made, the asset was put into the next empty data field in the summary measures. Where data needed to be moved and all four summary positions were already used, the additional values were added to the fourth position. All imputations were conditioned on available parital information. To determine which variables were added it is only necessary to compare X5802 and X8357. If X8357 < X5802 then the positions higher than the value of X8357 were added. To determine whether additional amounts were added to the mop-up variable X5818, compare X5818 with the original value of that variable given by X8187. In all cases, flag variables X8183-X8186 indicate which assets, it any, were linked with or added to the amounts in the summaray inheritance variables. 5803(#1) X3. (Thinking about the [largest/next largest] of these) was 5808(#2) that an inheritance, a trust, or what? (CODE ALL THAT 5813(#3) APPLY.) 1. INHERITANCE 2. TRUST 3. Gift 4. Settlements; insurance; lawsuits 5. Inheritance and gift (1 & 3 checked) 6. Inheritance and trust (1 & 2 checked) -7. OTHER 0. Inap. (Never received inheritances, no further inheritances) 5804(#1) X4. What was its approximate value at the time it was 5809(#2) received? 5814(#3) 5818(#4) X8. How much altogether were any others you have received? Code actual amount -1. Nothing; zero 0. Inap. (Never received inheritances, no further inheritances) 8187 Original value of X5818. See X8357 above for explanation. 5805(#1) X5. In what year was it received? 5810(#2) 5815(#3) Code YEAR 0. Inap. (Never received inheritances, no further inheritances) 5806(#1) X6. From whom was it received? 5811(#2) 5816(#3) 1. GRANDPARENT 2. PARENT (incl. in-law or step-parent) 3. CHILD 4. AUNT/UNCLE 5. SIBLING 6. FRIEND 7. Cousin 11. Deceased spouse 12. Deceased ex-spouse -7. OTHER 0. Inap. (Never received inheritances, no further inheritances) For the public use tape, Child (3) and Other (-7) are combined in -7; Deceased spouses (11) and Deceased ex-spouses (12) are combined in 11. 5807(#1) X7. INTERVIEWER CHECKPOINT (SEE X2). Is there another 5812(#2) inheritance, trust or transfer? 5817(#3) 1. YES 5. NO 0. Inap. (Never received inheritances, no further inheritances) 8183 (#1) R: Link code for inheritance/gift reported as source of 8184 (#2) an asset earlier in the questionnaire 8185 (#3) (Multiple links may be established: 8186 (#4) these links are created by successively summing multiple link codes multiplied by 100 -- e.g. 1506 indicates that there were unlinked assets reported at a grid/mop-up location (this implies that the linked asset was < the value reported in Section X), the principal residence was inherited or received as a gift, and all of these assets are included in variable 5818). 1. Mobile home site only (Question D11d) 2. Mobile home only (Question D12c) 3. Mobile home site only (Question D15b) 4. Mobile home only (Question D15d) 5. Mobile home and site (Question D15f) 6. Other principal residence (Question D20) 7. Other real estate (Question E20, property #1) 8. Other real estate (Question E20, property #2) 9. Other real estate (Question E20, property #3) 10. Other vacation real estate (Question E36b) 11. Other investment real estate (Question E37a) 12. Active management business (Question M6, business #1) 13. Active management business (Question M6, business #2) 14. Active management business (Question M6, business #3) 15. No link identified 0. Inap. (Never received inheritances, no further inheritances) 5819 X9. Do you (or your [husband/wife/partner]) expect to receive a substantial inheritance or transfer of assets in the future? 1. YES 5. NO 5820 X9.1 Is that likely to involve a large amount of money, a moderate amount, or what? 1. LARGE 2. MODERATE 3. Small (volunteered) -7. OTHER 0. Inap. (Does not expect future inheritance) 5821 X9.2 IWER: RECORD AMOUNT IF R VOLUNTEERS IT Code actual amount 0. Inap. (Does not expect future inheritance) 5822 X10. During 1991, did you (or anyone in your family living here) make charitable contributions of money or property totaling $500 or more? (Do not include political contributions.) 1. YES 5. NO 5823 X10.1 Roughly, how much did (you/your family) contribute? Code actual amount 0. Inap. (Did not make charitable contributions) 7662 X10.2 During 1991, did you (or any one in your family living here) volunteer an average of one hour or more a week to any charitable organizations? Please do not include time volunteered for political causes.) 1. YES 5. NO 5824 X11. Some people think it is important to leave an estate or inheritance to their surviving heirs, while others don't. Which is closer to your (and your [husband's/wife's]) feelings? Would you say it is very important, important, somewhat important, or not important? 1. VERY IMPORTANT 2. IMPORTANT 3. R & S DIFFER 4. SOMEWHAT IMPORTANT 5. NOT IMPORTANT 5825 X12. Do you (and your [husband/wife/partner]) expect to leave a sizeable estate to others? 1. YES 3. POSSIBLY 5. NO ----------------------------------------------------------------------------- MISC. DEMOGRAPHICS ----------------------------------------------------------------------------- 5901 Y1. I'd now like to ask you some questions about your background. What is the highest grade of school or year of college you completed? 6101 Y17. I'd now like to ask you some questions about your (husband's/wife's/partner's) background. What is the highest grade of school or year of college (he/she) completed? Code number of years -1. NO EDUCATION 0. Inap. (No spouse) 5902 Y1.1 Did you get a high school diploma or pass a high school equivalency test? 6102 Y17.1 Did (he/she) get a high school diploma or pass a high school equivalency test? 1. YES 5. NO 0. Inap. (No spouse, more than 12 years of education) 5903 Y1.2 Since completing your formal education, have you had on- the-job training or other vocational training lasting 100 hours or more? 6103 Y17.2 Since completing (his/her) formal education, has (he/she) had on-the-job training or other vocational training lasting 100 hours or more? 1. YES 5. NO 0. Inap. (No spouse, more than 12 years of education) 5904 Y1.3 Did you get a college degree? 6104 Y17.3 Did (he/she) get a college degree? 1. YES 5. NO 0. Inap. (No spouse, 12 years or less of education) 5905 Y1.4 What is the highest degree you have earned? 6105 Y17.4 What is the highest degree (he/she) earned? 1. ASSOCIATES 2. BACHELORS 3. MA/MBA 4. PHD 5. MD; DDS 6. LAW 7. Other professional certification (e.g., RN, cosmetology) -7. OTHER 0. Inap. (No spouse, 12 years or less of education, no college degree) For the public use file, PHD (4), MD; DDS (5) and LAW (6) are combined in 4. 5906 Y2. Have you ever been in the military service? 6106 Y18. Has (he/she) ever been in the military service? 1. YES 5. NO 0. Inap. (No spouse) 5907 Y3. What is the month and year of your birth?--MONTH 6107 Y19. What is the month and year of (his/her) birth?--MONTH Code MONTH 0. Inap. (No spouse) 5908 Y3. What is the month and year of your birth?--YEAR 6108 Y19. What is the month and year of (his/her) birth?--YEAR Code YEAR 1890. 1890 or earlier 0. Inap. (No spouse) 5909 Y4. Are you American Indian, Asian, Hispanic, black, white, or another race? (SHOW CARD 16) 1. AMERICAN INDIAN/ESKIMO/ALEUT 2. ASIAN 3. HISPANIC 4. BLACK 5. WHITE -7. OTHER For the public use file, American Indian/Eskimo/Aleut (1) and Asian (2) and OTHER (-7) are combined in -7. 5910 Y5. Now I'd like to ask some questions about your family living elsewhere. Altogether, including children from previous marriages and adopted children, how many sons and daughters do you (or your [husband/wife/partner]) have who do not live with you? Code # CHILDREN -1. NONE 5911 Y5.1 How many of them are 25 or older? Code # 25 OR OLDER -2. ALL OF THEM -1. NONE 0. Inap. (No children outside home) 5912 Y5.2 And how many of them are less than 18 years old? (INFERRED WHERE Y5a = ALL OF THEM) Code # LESS THAN 18 -2. ALL OF THEM -1. NONE 0. Inap. (No children outside home) 5913 Y6. How many living brothers and sisters do you have? 6109 Y20. How many living brothers and sisters does (he/she) have? Code # BROTHERS/SISTERS -1. NONE 0. Inap. (No spouse) 5914 Y6.1 How many are older than you? 6110 Y20.1 How many are older than (he/she) is? Code # OLDER -2. ALL -1. NONE 0. Inap. (No spouse, no living siblings) 5915 Y7. INTERVIEWER CHECKPOINT: See R's marital status in household listing 1. MARRIED; INCLUDING SPOUSE AWAY IN SERVICE 2. PARTNER 3. SEPARATED 4. DIVORCED 5. WIDOWED 6. NEVER MARRIED R CURRENTLY MARRIED 5916 Y7.1 In what month and year were you married? -- MONTH Code MONTH 0. Inap. (Not married) 5917 Y7.1 In what month and year were you married? -- YEAR Code YEAR 0. Inap. (Not married) 5918 Y7.2 Is this your first marriage or have you been married before? 1. FIRST MARRIAGE 5. MARRIED BEFORE 0. Inap. (Not married) 5919 Y7.3 Altogether, how many times have you been married, including your currently marriage? 2. TWO 3. THREE 4. FOUR OR MORE 0. Inap. (Not married, only married once) 5920 Y7.4 Did any of these marriages end with you being widowed? 1. FIRST MARRIAGE 5. MARRIED BEFORE 0. Inap. (Not married, married less than three times) 5921 Y7.5 How many? Code # times widowed 0. Inap. (Not married, married less than three times, married more than twice but never widowed) R CURRENTLY SEPARATED 5922 Y8 In what month and year were you separated? -- MONTH Code MONTH 0. Inap. (Not separated) 5923 Y8 In what month and year were you separated? -- YEAR Code YEAR 0. Inap. (Not separated) 5924 Y8.1 In what year did this marriage begin? Code YEAR 0. Inap. (Not separated) 6026 Y14. Now I'd like to ask about your parents. Is your mother still living? 6120 Y23. Is your (husband's/wife's/partner's) mother still living? 1. YES 5. NO 0. Inap. (No spouse) 6027 Y14.1 What is her age? 6121 Y23.1 What is her age? Code AGE 0. Inap. (No spouse, mother not living) 6028 Y14.2 Is your father still living? 6122 Y23.2 Is your (husband's/wife's/partner's) father still living? 1. YES 5. NO 0. Inap. (No spouse) 6029 Y14.3 What is his age? 6123 Y23.3 What is his age? Code AGE 0. Inap. (No spouse, father not living) ----------------------------------------------------------------------------- MARITAL HISTORY RECODE VARIABLES ----------------------------------------------------------------------------- 8001 (R) R: Total number of marriages (incl. current partner) 8013 (S) Code number 0. None 8002 (R) R: Total number of times divorced 8014 (S) Code number 0. None; Inap. 8003 (R) R: Total number of times widowed 8015 (S) Code number 0. None; Inap. 8004 R: Month current marriage or partnership began Code month 0. Inap. 8005 R: Year current marriage or partnership began Code year 0. Inap. 8006 (R) R: Month most recent past marriage ended (or separated) Code month 0. Inap. 8007 (R) R: Year most recent past marriage ended (or separated) 8016 (S) Code year 0. Inap. 8008 (R) R: Year most recent past marriage began 8017 (S) Code year 0. Inap. 8009 (R) R: Year next most recent marriage ended Code year 0. Inap. 8010 (R) R: Year next most recent marriage began Code year 0. Inap. 8011 (R) R: Age at first marriage 8018 (S) Code age 0. Inap. 8012 (R) R: Total number of years married, H 8019 (S) Code number of years 0. Inap. 5925 Y8.2 Do you receive support from your (husband/wife), do you pay support, or is there no support involved? (ASKED OF SEPARATED RESPONDENTS) 1. RECEIVE SUPPORT 2. NO SUPPORT INVOLVED 3. PAY SUPPORT 0. Inap. 5926 Y8.3 How much do you receive? (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT) Code actual amount 0. Inap. 5927 Y8.3 PER (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. 5928 Y8.4 How much do you pay? (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT) Code actual amount 0. Inap. 5929 Y8.4 PER (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. 5930 Y8.5 Are the assets and debts that you've told me about in this interview owned mainly by you, are they owned jointly with your (husband/wife), or what? (ASKED OF SEPARATED RESPONDENTS) 1. OWNED BY R 2. OWNED JOINTLY -7. OTHER 0. Inap. 5931 Y8.6 Is this your first marriage or have you been married before? (ASKED OF SEPARATED RESPONDENTS) 1. FIRST MARRIAGE 5. MARRIED BEFORE 0. Inap. (Not separated) 5932 Y8.7 Altogether, how many times have you been married, including your current marriage? (ASKED OF SEPARATED RESPONDENTS) 2. TWO 3. THREE 4. FOUR OR MORE 0. Inap. (Not separated, only married once) 5933 Y8.8 Did any of these marriages end by your being widowed? (ASKED OF SEPARATED RESPONDENTS) 1. YES 5. NO 0. Inap. (Not separated, married less than three times) 5934 Y8.9 How many? (ASKED OF SEPARATED RESPONDENTS) Code # times 0. Inap. (Not separated, married less than three times, married more than twice but never widowed) R CURRENTLY DIVORCED 6001 Y9. In what month and year were you divorced? -- MONTH Code MONTH 0. Inap. (Not divorced) 6002 Y9. In what month and year were you divorced? -- YEAR Code YEAR 0. Inap. (Not divorced) 6003 Y9.1 In what year did this marriage begin? Code YEAR 0. Inap. (Not divorced) 6004 Y9.2 Was that your first marriage or had you been married before? 1. FIRST MARRIAGE 5. MARRIED BEFORE 0. Inap. (Not divorced) 6005 Y9.3 Altogether, how many times have you been married? 2. TWO 3. THREE 4. FOUR OR MORE 0. Inap. (Not divorced, only married once) 6006 Y9.4 Did any of these marriages end by your being widowed? 1. YES 5. NO 0. Inap. (Not divorced, married less than three times) 6007 Y9.5 How many? Code # times 0. Inap. (Not divorced, married less than three times, married more than twice but never widowed) R CURRENTLY WIDOWED 6008 Y10. In what month and year were you widowed? -- MONTH Code MONTH 0. Inap. (Not widowed) 6009 Y10. In what month and year were you widowed? -- YEAR Code YEAR 0. Inap. (Not widowed) 6010 Y10.1 In what year did this marriage begin? Code YEAR 0. Inap. (Not widowed) 6011 Y10.2 Was that your first marriage or had you been married before? 1. FIRST MARRIAGE 5. MARRIED BEFORE 0. Inap. (Not widowed) 6012 Y10.3 Altogether, how many times have you been married? 2. TWO 3. THREE 4. FOUR OR MORE 0. Inap. (Not widowed, only married once) 6013 Y10.4 Did any of these marriages end in divorce? 1. YES 5. NO 0. Inap. (Not widowed, married less than three times) 6014 Y10.5 How many? Code # times 0. Inap. (Not widowed, married less than three times, married more than twice but never divorced) R LIVING WITH PARTNER 6015 Y11. In what month and year did you start living with your partner? -- MONTH Code MONTH 0. Inap. (Not living with partner) 6016 Y11. In what month and year did you start living with your partner? -- YEAR Code YEAR 0. Inap. (Not living with partner) 6017 Y11.1 Have you ever been married? (to some one else)? 1. YES 5. NO 0. Inap. (Not living with partner) 6018 Y11.2 Altogether, how many times have you been married? (LEGAL MARRIAGES) 1. ONE 2. TWO 3. THREE 4. FOUR OR MORE 0. Inap. (Not living with partner, living with partner but not married before) 6019 Y11.3 Did any of these marriages end in divorce? 1. YES 5. NO 0. Inap. (Not living with partner, living with partner but only married once before) 6020 Y11.4 How many? Code # times 0. Inap. (Not living with partner, living with partner but only married once before, living with partner and married at least twice but never divorced) R HAS HAD TWO MARRIAGES 6021 Y12. When did your first marriage begin? -- YEAR Code MONTH 0. Inap. (Never had at least two marriages) 6022 Y12.1 And when did that marriage end? -- YEAR Code YEAR 0. Inap. (Never had at least two marriages) 6023 Y12.2 Did that marriage end in divorce or were you widowed? 4. DIVORCED 5. WIDOWED 0. Inap. (Never had at least two marriages) 6024 Y13. At what age were you first married? Code AGE 0. Inap. (Never had at least three marriages including present marriage) 6025 Y13.1 Finally, for about how many years in total have you been married (including your current marriage)? (ACCEPT RANGE) Code # YEARS 0. Inap. (Never had at least three marriages including present marriage) 6111 Y21. Has your (husband/wife/partner) been married before? 1. YES 5. NO 0. Inap. 6112 Y22. Altogether, how many times was your (husband/wife/partner) married before? Code NUMBER 0. Inap. 6113 Y22.1 When did (his/her) first marriage begin? Code YEAR 0. Inap. 6114 Y22.2 And when did that marriage end? Code YEAR 0. Inap. 6115 Y22.3 Did that marriage end in divorce, or was (he/she) widowed? 3. Separated and not yet divorced 4. DIVORCE 5. WIDOWED 0. Inap. 6116 Y22.4 Did any of these marriages end by your (husband/wife/ partner) being widowed? 1. YES 5. NO 0. Inap. 6117 Y22.5 How many? Code # TIMES WIDOWED 0. Inap. 6118 Y22.6 At what age was your (husband/wife/partner) first married? Code YEARS OLD 0. Inap. 7663 Y22.6 At what age was your (husband/wife/partner) first married? Code YEAR 0. Inap. 6119 Y22.7 Finally, for about how many years in total has your (husband/wife/partner) been married? (ACCEPT RANGE) Code YEARS 0. Inap. ----------------------------------------------------------------------------- HEALTH AND HEALTH INSURANCE ----------------------------------------------------------------------------- 6030 Y15. Now I'd like to ask you about your health; would you say your health is excellent, good, fair, or poor? 6124 Y24. Now I'd like to ask you some questions about your family's health; would you say your (husband's/wife's/partner's) health in general is excellent, good, fair, or poor? 1. EXCELLENT 2. GOOD 3. FAIR 4. POOR 0. Inap. (No spouse) 6201 Y25 INTERVIEWER CHECKPOINT: See household listing. Are there one or more adults with independent finances? READ: For the rest of the questions in the interview, please include the adults in your household who have independent finances. 1. ONE OR MORE ADULTS WITH INDEPENDENT FINANCES 2. ALL OTHERS 6301 Y29. Are you or anyone in your household (including family members with independent finances) currently eligible to receive benefits from any government health insurance programs, such as Medicare, Medicaid, or CHAMPUS, VA, or other military programs? (R DOES NOT LIVE ALONE) Y27. Are you currently eligible to receive benefits from any government health insurance programs, such as Medicare, Medicaid, or CHAMPUS, VA, or other military programs? (R LIVES ALONE) 1. YES 5. NO Y29.1 Which program is that? (Anything else?) (CODE ALL THAT APPLY.) (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE ELIGIBLE FOR MEDICAID. CHAMPUS IS FOR ACTIVE MILITARY.) (R DOES NOT LIVE ALONE) Y27.1 Which program is that? (Anything else?) (CODE ALL THAT APPLY.) (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE ELIGIBLE FOR MEDICAID. CHAMPUS IS FOR ACTIVE MILITARY.) (R LIVES ALONE) 6302 Y27.1/Y29.1 MEDICARE 6303 Y27.1/Y29.1 MEDICAID (include MediCal) 6304 Y27.1/Y29.1 VA/CHAMPUS 6305 Y27.1/Y29.1 OTHER 1. Checked 5. Not checked 0. Inap. (Not eligible for any government health insurance programs) 6306 Y29.2 Is everyone living here covered by (this/one of these) program(s)? 1. YES 5. NO 0. Inap. (Not eligible for any government health insurance programs) Y29.4 Who is not covered? (Anyone else?) (CODE ALL THAT APPLY.) 6308 Y29.4 R 6309 Y29.4 SPOUSE 6310 Y29.4 CHILD(REN) UNDER 18 6311 Y29.4 CHILD(REN) 18 AND OVER 6312 Y29.4 FATHER (IN-LAW) 6313 Y29.4 MOTHER (IN-LAW) 6314 Y29.4 OTHER: 1. Checked 2. Grandchild (6314 only) 5. Not checked 0. Inap. (Not eligible for any government health insurance programs, everyone covered by government health insurance programss) 6315 Y29.3 Are you or anyone covered by any other type of health coverage such as employer or union plans, or Blue Cross-Blue Shield, a Health Maintenance Organization (HMO) or some other health insurance? (R DOES NOT LIVE ALONE) Y30. Are you or anyone covered by any (other) type of health coverage such as employer or union plans, or Blue Cross-Blue Shield, a Health Maintenance Organization (HMO) or some other health insurance? (R DOES NOT LIVE ALONE) Y27.2 Are you covered by any other type of health coverage such as employer or union plans, or Blue Cross-Blue Shield, a Health Maintenance Organization (HMO) or some other health insurance? (R LIVES ALONE) Y28. Are you covered by any type of health coverage such as employer or union plans or Blue Cross-Blue Shield, a Health Maintenance Organization (HMO), or some other health insurance? (R LIVES ALONE) 1. YES 5. NO Y31. Is this coverage obtained through your employer, former employer, or union, (your [husband's/wife's/partner's] employer, former employer, or union,) through direct payments to an insurance company, or AARP or what? (CODE ALL THAT APPLY.) (R DOES NOT LIVE ALONE) Y28.1 Is this coverage obtained through your employer or former employer, a union, through direct payments to an insurance company, or AARP or what? (CODE ALL THAT APPLY.) (R LIVES ALONE) 6316 Y28.1/Y31. R'S EMPLOYER (incl. R's own business) 6317 Y28.1/Y31. R'S FORMER EMPLOYER 6318 Y28.1/Y31. R'S UNION 6319 Y31. S'S EMPLOYER 6320 Y31. S'S FORMER EMPLOYER 6321 Y31. S'S UNION 6322 Y28.1/Y31. DIRECT PAYMENT 7767 Y28.1/Y31. AARP 6323 Y28.1/Y31. OTHER: 1. Checked 2. Employer of HU member (except R or Spouse) (6323 only) 3. Through a relative outside the HU (incl. Ex-spouse); former spouse's employer (R lives alone) (6323 only) 5. Not checked 0. Inap. (No private health insurance coverage) Y31.1 How is this coverage paid for -- by you, by an employer, by you and an employer, by a relative, or what? (CODE ALL THAT APPLY.) (R DOES NOT LIVE ALONE) Y28.2 How is this coverage paid for -- by you, by an employer, by you and an employer, by a relative, or what? (CODE ALL THAT APPLY. (R LIVES ALONE) 6324 Y28.2/Y31.1 A. R/FAMILY 6325 Y28.2/Y31.1 B. EMPLOYER (incl. R's or S's own business) 6326 Y28.2/Y31.1 C. RELATIVE 6327 Y28.2/Y31.1 D. FORMER EMPLOYER 6328 Y28.2/Y31.1 E. OTHER: 1. Checked 2. Employer of someone else in HH other than R/Spouse (6328 only) 3. Employer of person outside HH, incl. relatives/ ex-spouse (6328 only) 5. Not checked 0. Inap. (No private health insurance coverage) 7666 Y31.2 How much do you (and your family living here) pay each month for insurance? -- AMOUNT (R DOES NOT LIVE ALONE) Y28.3 How much do you pay each month for this insurance? -- AMOUNT (R LIVES ALONE) Code $ amount 0. Inap. (No private health insurance coverage, coverage not paid by respondent/family) 7667 Y31.2 PER Y28.3 PER 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months 12. Bimonthly -7. Other 0. Inap. (No private health insurance coverage, coverage not paid by respondent/family) 6329 Y31.3 Is everyone in your household covered by at least one of these private health programs? 1. YES 5. NO 0. Inap. (No private health insurance coverage) Y31.4 Who is not covered (including those with independent finances)? (Anyone else?) (CODE ALL THAT APPLY.) 6330 Y31.4 A. R 6331 Y31.4 B. SPOUSE/PARTNER 6332 Y31.4 C. CHILD(REN) UNDER 18 6333 Y31.4 D. CHILD(REN) 18 AND OVER 6334 Y31.4 E. FATHER (IN-LAW) 6335 Y31.4 F. MOTHER (IN-LAW) 6336 Y31.4 G. OTHER: 1. Checked 2. Other adult relative(s) (6336 only) 3. Non-relative(s) (6336 only) 5. Not checked 0. Inap. (No private health insurance coverage, everyone covered by private health insurance) 6337 Y32. (SHOW CARD 17) This is a list of reasons why some people don't have health insurance. Which number best describes why (you/some members of your household) are not covered? 1. TOO EXPENSIVE, CAN'T AFFORD HEALTH INSURANCE 2. CAN'T GET INSURANCE BECAUSE OF POOR HEALTH, AGE, OR ILLNESS 3. DON'T BELIEVE IN HEALTH INSURANCE 4. NOT MUCH SICKNESS IN THE FAMILY; WE HAVEN'T NEEDED INSURANCE; haven't gotten around to it 5. DISSATISFIED WITH PREVIOUS INSURANCE 6. JOB LAYOFF OR JOB LOSS; 11. Not covered (on job) yet, but will be soon 15. Not eligible 18. Not offered by employer 27. Processing delays 30. Foreign insurance that does not cover the U.S. 95. Those without private insurance are already covered by Medicare/Medicaid -7. OTHER 0. Inap. (All covered by private/government health insurance. NOTE: corrects questionniare error.) ----------------------------------------------------------------------------- FINANCES OF OTHER ECONOMIC UNITS WITHIN THE HOUSEHOLD ----------------------------------------------------------------------------- 6401 Y33. INTERVIEWER CHECKPOINT 1. 1 OR MORE ADULTS WITH INDEPENDENT FINANCES (COL. F MARKED "INDEP") 2. ALL OTHERS 0. Inap. (R lives alone) 6402 Y34. I'd like to ask some questions just about the other adults 18 and over who live with you (and your family) but have independent finances. (Does he/Does she/Do any of these other adults) receive any income from wages or salaries? 1. YES 3. YES, amount edited out earlier 4. YES, but no evidence of account earlier 5. NO 0. Inap. (No adults with independent finances) 6403 Y34.1 Roughly how much total income did (he/she/they) have from wages and salaries in 1991 before taxes and deductions? (ACCEPT RANGE.) Code actual amount -1. Zero; none in 1991 0. Inap. (No adults with independent finances, independent adults have no wages/salaries) 6404 Y34.2 Did you include this amount in the income you told me about earlier in this interview? (IF R TOLD ONLY ABOUT PART, MAKE NOTE.) 1. YES 3. YES, amount edited out earlier 5. NO 0. Inap. (No adults with independent finances, independent adults have no wages/salaries) 7668 Y34.3 Where did you tell me about this income? Code up to 5 characters 0. Inap. (No adults with independent finances, independent adults have no wages/salaries, did not include this income earlier) 6405 Y35. (Does he/Does she/Do they) receive income from any other sources (such as social security, a pension, disability payments, public assistance, or income from a business or other assets)? 1. YES 5. NO 0. Inap. (No adults with independent finances) Y35.1 What other sources of income (does he/does she/do they) have? (CODE ALL THAT APPLY.) 6406 Y35.1 A. SOCIAL SECURITY 6407 Y35.1 B. PENSIONS 6408 Y35.1 C. DISABILITY 6409 Y35.1 D. PUBLIC ASSISTANCE 6410 Y35.1 E. INTEREST INCOME 6411 Y35.1 F. DIVIDENDS 6412 Y35.1 G. BUSINESS 6413 Y35.1 H. REAL ESTATE 6414 Y35.1 J. OTHER 1. Checked 5. Not checked 0. Inap. (No adults with independent finances, independent adults have no income from other sources) 6415 Y35.2 Roughly how much total income did (he/she/they) have from (all these/this) source(s) in 1991 before taxes and deductions? Code actual amount -1. Zero; none in 1991 0. Inap. (No adults with independent finances, independent adults have no income from other sources) 6416 Y35.3 Did you include this amount in the income you told me about earlier in this interview? (IF R ONLY TOLD ABOUT PART, MAKE NOTE.) 1. YES 3. YES, amount edited out earlier 4. YES, but no evidence of account earlier 5. NO 0. Inap. (No adults with independent finances, independent adults have no income from other sources) 7669 Y35.4 Where did you tell me about this income? Code up to 5 characters 0. Inap. (No adults with independent finances, independent adults have no income from other sources, did not include this income earlier) 6417 Y36. (Does he/Does she/Do any of them) have any cars or other vehicles? 1. YES 5. NO 0. Inap. (No adults with independent finances) 6418 Y36.1 Roughly, how much (is this/are these) vehicle(s) worth in today's prices? (ACCEPT RANGE.) Code actual amount -1. Zero; worth nothing 0. Inap. (No adults with independent finances, independent adults have no vehicles) 6419 Y36.2 Did you include this/these vehicles in the ones you told me about earlier in this interview? (IF R ONLY TOLD ABOUT PART, MAKE NOTE.) 1. YES 3. YES, amount edited out earlier 4. YES, but no evidence of account earlier 5. NO 0. Inap. (No adults with independent finances, independent adults have no vehicles) 7670 Y36.3 Where did you tell me about this/these vehicles? Code up to 5 characters 0. Inap. (No adults with independent finances, independent adults have no vehicles, did not include this income earlier) 6420 Y37. (Does he/Does she/Do they) have any bank accounts, savings accounts, or savings bonds? 1. YES 5. NO 0. Inap. (No adults with independent finances) 6421 Y37.1 Roughly, how much in total (does he/does she/do they) have in bank accounts, savings accounts, or savings bonds? (ACCEPT RANGE.) Code actual amount -1. Zero; account with no balance 0. Inap. (No adults with independent finances, independent adults have no accounts/savings bonds) 6422 Y37.2 Did you include this amount when you told me about these items earlier in this interview? (IF R ONLY TOLD ABOUT PART, MAKE NOTE.) 1. YES 3. YES, amount edited out earlier 4. YES, but no evidence of account earlier 5. NO 0. Inap. (No adults with independent finances, independent adults have no accounts/savings bonds) 7671 Y37.3 Where did you tell me about these items? Code up to 5 characters 0. Inap. (No adults with independent finances, independent adults have no accounts/savings bonds, did not include this income earlier) 6423 Y38. (Does he/Does she/Do they) have any other assets (such as stocks, bonds, a business, or any properties, including any part of the [house/apartment] you live in)? 1. YES 5. NO 0. Inap. (No adults with independent finances) Y38.1 What other kinds of assets (does he/does she/do they) have? (CODE ALL THAT APPLY.) 6424 Y38.1 A. R'S HOME 6425 Y38.1 B. STOCKS 6426 Y38.1 C. BONDS 6427 Y38.1 D. MUTUAL FUNDS 6428 Y38.1 E. MONEY MARKET FUNDS 6429 Y38.1 F. BUSINESS 6430 Y38.1 G. OTHER REAL ESTATE 6431 Y38.1 H. OTHER 1. Checked 5. Not checked 0. Inap. (No adults with independent finances, independent adults have no other assets) 6432 Y38.2 Roughly, how much in total (does he/does she/do they) have in (all these/this) asset(s)? (ACCEPT RANGE.) Code actual amount -1. Zero value; currently a loss 0. Inap. (No adults with independent finances, independent adults have no other assets) 6433 Y38.3 Did you include this amount in the assets you told me about earlier in this interview? (IF R ONLY TOLD ABOUT PART, MAKE NOTE.) 1. YES 3. YES, amount edited out earlier 4. YES, but no evidence of account earlier 5. NO 0. Inap. (No adults with independent finances, independent adults have no other assets) 7672 Y38.4 Where did you tell me about this/these asset(s)? Code up to 5 characters 0. Inap. (No adults with independent finances, independent adults have no other assets, did not include this income earlier) 6434 Y39 INERVIEWER CHECKPOINT: "R's HOME" MARKED IN Y38.1 1. YES 5. NO 0. Inap. (No adults with independent finances, independent adults have no other assets) 6435 Y39.1 What share of this home (does he/does she/do they) own? Code PERCENT to 2 decimal places 0. Inap. (No adults with independent finances, independent adults do not own part of R's home) 6436 Y39.2 What is the present value of this home? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (No adults with independent finances, independent adults do not own part of R's home) 6437 Y39.3 What is the amount still owed on all the mortgages, land contracts and loans on the home? (ACCEPT RANGE.) Code actual amount -1. NOTHING 0. Inap. (No adults with independent finances, independent adults do not own part of R's home) 6438 Y40. Not including any debts (he/she/they) owe(s) you (or your [husband/wife/partner]), (does he/does she/do they) have any debts? (IF R ASKS: DO NOT INCLUDE MORTGAGE ON R'S HOME.) 1. YES 5. NO 0. Inap. (No adults with independent finances) 6439 Y40.1 Roughly how much in total are (his/her/their) debts? Code actual amount 0. Inap. (No adults with independent finances, independent adults do have any debts) 6440 Y40.2 Did you include these debts when you told me about the household debts earlier in this interview? (IF R ONLY TOLD ABOUT PART, MAKE NOTE.) 1. YES 3. YES, amount edited out earlier 4. YES, but no evidence of account earlier 5. NO 0. Inap. (No adults with independent finances, independent adults do have any debts) 7673 Y40.3 Where did you tell me about these debts? Code up to 5 characters 0. Inap. (No adults with independent finances, independent adults do have any debts, did not include this income earlier) ----------------------------------------------------------------------------- EXPECTATIONS AND ATTITUDES ----------------------------------------------------------------------------- 301 A1. I'd like to start this interview by asking you about your expectations for the future. Over the next five years, do you expect the U.S. economy as a whole to perform better, worse, or about the same as it has over the past five years? 1. BETTER 2. WORSE 3. ABOUT THE SAME 302 A2. Five years from now, do you think interest rates will be higher, lower, or about the same as today? 1. HIGHER 2. LOWER 3. ABOUT THE SAME 303 A3. Over the next five years, do you expect your total (family) income to go up more than prices, less than prices, or about the same as prices? 1. UP MORE 2. UP LESS 3. ABOUT THE SAME 304 A4. Over the past five years, did your total (family) income go up more than prices, less than prices, or about the same as prices? 1. UP MORE 2. UP LESS 3. ABOUT THE SAME 7586 A4.1. At this time, do you have a good idea of what your (family's) income for the next year will be? 1. YES 5. NO 401 B1. Now I would like to ask you some questions about how you feel about credit. In general, do you think it is a good idea or a bad idea for people to buy things on the installment plan? 1. GOOD IDEA 3. GOOD IN SOME WAYS, BAD IN OTHERS 5. BAD IDEA B2. People have many different reasons for borrowing money which they pay back over a period of time. For each of the reasons I read, please tell me whether you feel it is all right for someone like yourself to borrow money... 402 B2.1 first, to cover the expenses of a vacation trip? 403 B2.2 next, to cover living expenses when income is cut? 404 B2.3 (next,) to finance the purchase of a fur coat or jewelry? 405 B2.4 (next,) to finance the purchase of a car? 406 B2.5 finally, to finance educational expenses? 1. YES 5. NO 407 B3. In the past five years, has a particular lender or creditor turned down any request you (or your [husband/wife/partner]) made for credit, or not given you as much credit as you applied for? (PROBE: Turned down, or not as much credit?) 1. YES, TURNED DOWN 3. YES, NOT AS MUCH CREDIT 5. NO 408 B3.1 Were you later able to obtain the full amount you (or your husband/wife/partner) requested by reapplying to the same institution or by applying elsewhere? 1. YES 3. DID NOT REAPPLY 5. NO 0. Inap. (Not turned down) 7585 B3.2 On the most recent occasion, what reasons were you (or your husband/wife/partner) given for being turned down for credit or unable to get as much credit as you applied for? 50. FAMILY BACKGROUND 51. FAMILY SIZE 52. MARITAL STATUS 53. SEX 54. COMBINATION MARITAL STATUS AND SEX 55. AGE 56. RACE 57. PERSONAL CHARACTER/REPUTATION 58. HEALTH 59. OTHER PERSONAL CHARACTERISTIC 61. NEED TO HAVE CHECKING/SAVINGS ACCOUNT AT INSTITUTION 62. NO CREDIT HISTORY 63. CREDIT REPORTS FROM CREDIT BUREAU 64. CREDIT RECORDS FROM OTHER INSTITUTIONS 65. LACK OF ASSETS 66. AMOUNT OF DEBT 69. OTHER CREDIT CHARACTERISTICS 71. TIME ON CURRENT JOB 72. JOB, TYPE OF WORK 73. LACK OF JOB 74. LACK OF HOMEOWNERSHIP 75. TIME AT CURRENT ADDRESS 76. AMOUNT OF INCOME 77. SOURCE OF INCOME 78. WHERE YOU LIVE 79. OTHER FINANCIAL CHARACTERISTICS 81. LACK OF FAMILIARITY/EXPERIENCE 82. PREVIOUS BAD EXPERIENCE 83. INSTITUTION IS MORE STRICT 87. DISCRIMINATION, RED-LINING 88. INCONVENIENT, DIFFICULT 89. OTHER MISCELLANEOUS 90. DIDN'T APPROVE OF LOAN PURPOSE 91. LOAN TOO LARGE FOR SOURCE TO HANDLE 92. INTEREST -1. NONE, NO REASON GIVEN -7. OTHER 7584 B3.3 What type of credit did you apply for? 1. MORTGAGE 2. CAR LOAN 3. OTHER INSTALLATION PLAN 4. CREDIT CARD 6. STORE ACCOUNT 17. EQUITY LOAN 18. Business/investment loan 19. Line of credit 20. Personal loan 21. Consolidation loan -7. OTHER 409 B3.4 Was there any time in the past five years that you (or your husband/wife/partner) thought of applying for credit at a particular place, but changed your mind because you thought you might be turned down? 1. YES 5. NO 7583 B3.5 On the most recent occasion, why did you (or your husband/wife/partner) think you might be turned down? 50. FAMILY BACKGROUND 51. FAMILY SIZE 52. MARITAL STATUS 53. SEX 54. COMBINATION MARITAL STATUS AND SEX 55. AGE 56. RACE 57. PERSONAL CHARACTER/REPUTATION 58. HEALTH 59. OTHER PERSONAL CHARACTERISTIC 61. NEED TO HAVE CHECKING/SAVINGS ACCOUNT AT INSTITUTION 62. NO CREDIT HISTORY 63. CREDIT REPORTS FROM CREDIT BUREAU 64. CREDIT RECORDS FROM OTHER INSTITUTIONS 65. LACK OF ASSETS 66. AMOUNT OF DEBT 69. OTHER CREDIT CHARACTERISTICS 71. TIME ON CURRENT JOB 72. JOB, TYPE OF WORK 73. LACK OF JOB 74. LACK OF HOMEOWNERSHIP 75. TIME AT CURRENT ADDRESS 76. AMOUNT OF INCOME 77. SOURCE OF INCOME 78. WHERE YOU LIVE 79. OTHER FINANCIAL CHARACTERISTICS 81. LACK OF FAMILIARITY/EXPERIENCE 82. PREVIOUS BAD EXPERIENCE 83. INSTITUTION IS MORE STRICT 87. DISCRIMINATION, RED-LINING 88. INCONVENIENT, DIFFICULT 89. OTHER MISCELLANEOUS 90. DIDN'T APPROVE OF LOAN PURPOSE 91. LOAN TOO LARGE FOR SOURCE TO HANDLE 92. INTEREST -1. NONE, NO REASON GIVEN -7. OTHER 3001 I16. R HAS ANY TYPE OF LOAN OR DEBT? CODE ALL THAT APPLY. REFER TO INSTITUTIONS CARD. 1. R HAS ANY TYPE OF LOAN OR DEBT -- MORTGAGE, HOUSING LOAN, PROPERTY, VEHICLE OR OTHER LOANS 2. ALL OTHERS 3. CHECKED "NO DEBTS," BUT R HAD DEBTS 4. CHECKED "DEBTS," R HAD NO DEBTS 3002 I17. (SHOW CARD 5) Thinking about the loan or mortgage that you took out most recently, what was the main reason you chose the lender that you did? Was it because of the location of their offices, because they had the best interest rates, because you were able to obtain many services at one place, because they were recommended by someone else, or some other reason? 1. RECOMMENDED 2. INTEREST RATES 3. LOCATION OF OFFICES 4. Other business done here 5. Easy to qualify (for credit); only place that would give us a loan 6. MANY/SPECIAL SERVICES IN ONE PLACE 7. Low fees/service charges 11. Personal relationship; they know me; know/like them; freindly; R/Spouse works there 21. No choice--assumed existing debt and lender from previous owner 22. No choice--financed through store/dealer and this was their financial institution 23. Advertisement 24. Convenient hours 25. No particular reason 26. No other institutions 27. Privacy -7. OTHER 0. Inap. (R has no loans) 3003 I18. (READ SLOWLY:) Again thinking about the same loan, roughly how far was the office where the application was made from the home or workplace of the person who made the application? (IF R ASKS: WE WANT THE CLOSER OF THE DISTANCE FROM HOME OR OFFICE.) (ACCEPT RANGE.) Code MILES 51. OVER 50 MILES -1. LESS THAN A MILE 0. Inap. (R has no loans) 3004 I19. Now thinking of all the various loan payments you made during the last year, were all the payments made the way they were scheduled, or were payments on any of the loans sometimes made later or missed? 1. ALL PAID AS SCHEDULED 5. SOMETIMES GOT BEHIND OR MISSED PAYMENTS -1. Payments not due/started yet -7. Other 0. Inap. (R has no loans) 3005 I19.1 Were you ever behind in your payments by two months or more? 1. YES 5. NO 0. Inap. (R has no loans, all payments made as scheduled) 3006 J1. Now I'd like to ask a few questions about your (family's) 3007 savings. People have different reasons for saving. What 7513 are your (family's) most important reasons for saving? 7514 7515 1. Children's education; education of grandchildren 2. Own education; spouse's education; education--NA for whom 3. "For the children/family"--NFS; "to help the kids out" 11. Buying own house (code summer cottage in 12) 12. Purchase of cottage or second home for own use 13. Buy a car 14. Home improvements/repairs 15. To travel; take vacations 16. Buy durable household goods, appliances, home furnishings; hobby items; for other purchases not codable above or not further specified; "buy things when we need/want them"; moving/special occasions 17. Burial; funeral expenses 18. Charitable or religious contributions 21. Buying (investing in) own business/farm; equipment for business/farm 22. Retirement; old age 23. Reserves in case of unemployment 24. In case of illness; medical/dental expenses 25. Emergencies; "rainy days"; other unexpected needs; for "security"/independence 26. Investment reasons (to get interest, to be diversified, to buy other forms of assets) 27. To meet contractual commitments (debt repayment, insurance, taxes, settlement, etc.); to pay off house 28. "To get ahead"; for the future; to advance standard of living 29. Ordinary living expenses/bills 30. To move 90. Had extra income; saved because had the money left over--no other purpose specified 91. Wise/prudent thing to do; good discipline to save 92. Liquidity; to have cash available/on hand -1. Don't/can't save; "have no money" 0. Inap. (No additional reason) 3010 J2. Are there any forseeable major financial obligations that you (and your family) expect will have to be met in the future, such as educational expenses, health care costs, and so forth? (IF R ASKS, THE FUTURE MEANS THE NEXT FIVE TO TEN YEARS.) 1. YES 5. NO 3011 J2.1. (SHOW CARD 6) What kinds of obligations are these? 3012 (CODE ALL THAT APPLY.) 3013 7512 7511 Code up to 5 mentions 1. EDUCATION: R'S CHILDREN (incl. step & adopted children); grandchildren 2. EDUCATION: OTHERS (incl. R & spouse) 3. HEALTH CARE: SELF/SPOUSE 4. HEALTH CARE: OTHERS (incl. elderly parents/disabled child) 5. Health care/Medical expenses -- NA for whom 11. General support for R/spouse in retirement or old age 12. General support for (disabled) child/grandchild; "raising my grandson" 13. General support for parents 14. General support for others or NA for whom 21. Home purchase (incl. vacation home) 22. Purchase of car or other large durable goods 23. Burial expenses 24. Taxes 25. Home repairs/improvements 26. Weddings, vacations, moving and other special expenditures 31. Business/investment; start/expand own business 35. Settlement; legal expenses 41. Bills/living expenses--NFS -7. OTHER 0. Inap. (No financial obligations, no additional financial obligations) 3008 J3. (SHOW CARD 7) In deciding how much of their (family) income to spend or save, people are likely to think about different financial planning periods. In planning your (family's) saving and spending, which of the time periods listed on this page is most important to you (and your [husband/wife/partner])? 1. NEXT FEW MONTHS 2. NEXT YEAR 3. NEXT FEW YEARS 4. NEXT 5 - 10 YEARS 5. LONGER THAN 10 YEARS -1. R only says: "no savings"/"can't (don't) save" 3009 J4. Which is the least important to you? 1. NEXT FEW MONTHS 2. NEXT YEAR 3. NEXT FEW YEARS 4. NEXT 5 - 10 YEARS 5. LONGER THAN 10 YEARS -1. R only says: "no savings"/"can't (don't) save" 3014 J5. (SHOW CARD 8) Which of the statements on this page comes closest to the amount of financial risk that you (and your [husband/wife/partner]) are willing to take when you save or make investments? (READ ANSWERS ONLY IF NECESSARY) If more than one box checked, code smallest category #. 1. TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN SUBSTANTIAL RETURNS. 2. TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN ABOVE AVERAGE RETURNS. 3. TAKE AVERAGE FINANCIAL RISKS EXPECTING TO EARN AVERAGE RETURNS. 4. NOT WILLING TO TAKE ANY FINANCIAL RISKS. J6. (SHOW CARD 9) Which of the following statements on this page comes closest to describing you(r) (and your [husband's/wife's/partner's]) saving habits? (CODE MORE THAN ONE ONLY IF NECESSARY.) (READ ANSWERS ONLY IF NECESSARY.) 3015 J6-1. DON'T SAVE -- USUALLY SPEND MORE THAN INCOME 3016 J6-2. DON'T SAVE -- USUALLY SPEND ABOUT AS MUCH AS INCOME 3017 J6-3. SAVE WHATEVER IS LEFT OVER AT THE END OF THE MONTH--NO 3018 J6-4. SAVE INCOME OF ONE FAMILY MEMBER, SPEND THE OTHER 3019 J6-5. SPEND REGULAR INCOME, SAVE OTHER INCOME 3020 J6-6. SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH 1. Checked 5. Not checked 3023 J7. (SHOW CARD 10) How would you rate the retirement income you (expect to) receive from Social Security and job pensions? 1. TOTALLY INADEQUATE 2. 3. ENOUGH TO MAINTAIN LIVING STANDARDS 4. 5. VERY SATISFACTORY 3024 J8. (SHOW CARD 10) When making major decisions about borrowing and saving, some people shop around for the very best terms while others don't. Where would your family be on the scale? 1. ALMOST NO SHOPPING 2. 3. 4. 5. A GREAT DEAL OF SHOPPING 7510 J9. Over the past year, would you say that (your/your family's) spending exceeded (your/your family's) income, that it was about the same as your income, or that you spent less than your income? (Spending should not include any investments you have made.) 1. SPENDING EXCEEDED INCOME 2. SPENDING EQUALLED INCOME 3. SPENDING WAS LESS THAN INCOME 7509 J9.1. Did any of that spending include purchases of a home or automobile or spending for any investments? 1. YES 5. NO 0. Inap. (spending did not exceed income) 7508 J9.2. Including only monthly payments on your house or car and leaving aside any spending on investments, over the past year, would you say that (your/your family's) spending exceeded (your/your family's) income, that is was about the same as your income, or that you spent less than your income? 1. SPENDING EXCEEDED INCOME 2. SPENDING EQUALLED INCOME 3. SPENDING WAS LESS THAN INCOME 0. Inap. 7507 J9.3. To make up the difference, did you borrow additional money, did you spend out of savings or investments, or did you do something else? 1. BORROWED MONEY 2. SPENT OUT OF SAVINGS/INVESTMENTS 3. Got behind on payments; didn't pay bills 4. Help from others 5. Possible respondent error #1: cut back on expenses 6. Possible respondent error #2: got addititional income -7. OTHER 0. Inap. (spending did not exceed income) 7506 J9.4. Did any of that spending include purchases of a home or automobile or spending for any investments? 1. YES 5. NO 0. Inap. (spending did not equal income) ----------------------------------------------------------------------------- LINKAGE TO PENSION PROVIDER ----------------------------------------------------------------------------- 6501 Y42. END OF IW REFERENCE: RESPONDENT'S EMPLOYMENT/PENSION INFORMATION 1. R IS COVERED BY PENSION ON CURRENT JOB (1 OR MORE PLANS AT R18, P. 82) 2. ALL OTHERS 6502 Y43. END OF IW REFERENCE: SPOUSE'S EMPLOYMENT/PENSION INFORMATION 3. R IS NOT MARRIED/LIVING WITH PARTNER 4. S IS COVERED BY PENSION ON CURRENT JOB 5. ALL OTHERS ----------------------------------------------------------------------------- INTERVIEWER OBSERVATIONS ----------------------------------------------------------------------------- 6503 ZZ1. RELATIONSHIP OF R TO INFORMANT: 1. R IS INFORMANT 2. Spouse of Informant; partner of Informant 3. Child " " 4. Parent " " 5. Roommate/friend 6. Employer of Informant (e.g., maid was Informant) 7. Aunt/uncle 8. Grandchild 9. Grandparent (incl. in-laws) 10. Cousin 11. Niece/nephew 12. Sister/brother (incl. in-laws) 13. Great grandchild 14. Other relative -7. OTHER: R IS __________ OF INFORMANT 6504 ZZ2. TYPE OF STRUCTURE IN WHICH FAMILY LIVES: 0. IW NOT CONDUCTED AT R'S HOME (low priority code) 1. TRAILER; MOBILE HOME 2. DETACHED SINGLE FAMILY HOUSE 3. 2-FAMILY HOUSE, 2 UNITS SIDE BY SIDE 4. 2-FAMILY HOUSE, 2 UNITS ONE ABOVE THE OTHER; "duplex"--NA whether 3 or 4 5. DETACHED 3-4 FAMILY HOUSE 6. ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW) 7. APARTMENT HOUSE (4 OR FEWER UNITS) 8. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR LESS) 9. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR MORE) 10. APARTMENT IN PARTLY COMMERCIAL STRUCTURE 11. Gov't. housing "projects"--not codeable above 12. CO-OP/CONDO/NFS -7. OTHER ZZ3. NEIGHBORHOOD: Look at the structures on R's block and CODE as many as apply. 6505 ZZ3. VACANT LAND (include "lake", "farmland") 6506 ZZ3. TRAILER/MOBILE HOME 6507 ZZ3. DETACHED SINGLE FAMILY HOUSE 6508 ZZ3. 2-FAMILY HOUSE; SIDE BY SIDE OR ONE ABOVE THE OTHER 6509 ZZ3. DETACHED 3-4 FAMILY HOUSE 6510 ZZ3. ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW) 6511 ZZ3. APARTMENT HOUSE (4 OR FEWER UNITS) 6512 ZZ3. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR LESS) 6513 ZZ3. CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR MORE) 6514 ZZ3. COMMERCIAL OR INDUSTRIAL STRUCTURE 6515 ZZ3. PARK; golf course 6516 ZZ3. SCHOOL OR OTHER GOV'T. BUILDING 6517 ZZ3. VACANT BUILDING 7768 ZZ3. FARM 6518 ZZ3. OTHER 1. Checked 2. Gov't/Housing Project--not codeable above 5. Not checked 0. Inap. (Interview not conducted in R's home) 6519 ZZ4. BUILDINGS IN THE IMMEDIATE NEIGHBORHOOD (LOOK UP AND DOWN THE BLOCK) ARE: 1. ALL RESIDENTIAL 2. MOSTLY RESIDENTIAL 3. ABOUT EQUALLY RESIDENTIAL AND NONRESIDENTIAL 4. MOSTLY NONRESIDENTIAL 5. NONE IN VIEW; 0. Inap. (Interview not conducted in R's home) 6520 ZZ5. HOUSING STRUCTURES ON BLOCK ARE: 1. 0-20 FEET APART 2. 21-100 FEET APART 3. OVER 100 FEET APART 0. Inap. (Interview not conducted in R's home) 6521 ZZ6. CONDITION OF BUILDING EXTERIOR IS: 1. CLEAN AND SOUND 2. SOME PAINT PEELING OR CRACKS IN MASONRY 3. NEEDS SUBSTANTIAL PAINTING, REFILLING, OR REPAIR 4. DILAPIDATED 0. Inap. (Interview not conducted in R's home) 6522 ZZ7. CONDITION OF THE EXTERIOR OF BUILDINGS ON BLOCK IN GENERAL (BOTH SIDES OF STREET) LOOKS: 1. BETTER THAN R'S 2. AS GOOD AS R'S 3. WORSE THAN R'S 4. NO OTHER BUILDINGS IN VIEW; Inap. (Interview not conducted in R's home) 6523 ZZ8. PLEASE RATE THE PHYSICAL CONDITION OF THE INTERIOR OF THE HU: 1. EXCELLENT: WALLS AND CEILINGS HAVE NO CRACKS; PAINT OR PANELLING IS IN GOOD CONDITION 2. GOOD: NEEDS SOME MINOR PAINTING OR REFINISHING 3. FAIR: NEEDS MAJOR INTERIOR WORK--HOLES AND/OR CRACKS NEED PATCHING, PAINTING NEEDED, ETC. 4. POOR: SOME WALLS OR CEILINGS NEED REPLACEMENT 0. Inap. (Interview not conducted in R's home) 6524 ZZ9. NEIGHBORHOOD RESIDENTS SEEM TO BE: 1. ALL BLACK 2. ALMOST ALL BLACK 3. HALF BLACK AND HALF NON-BLACK 4. ALMOST ALL NON-BLACK 5. ALL NON-BLACK 0. Inap. (Interview not conducted in R's home) 6525 ZZ10. R'S UNDERSTANDING OF THE QUESTIONS WAS . . . 1. EXCELLENT 2. GOOD 3. FAIR 4. POOR 6526 ZZ11. R'S ABILITY TO EXPRESS (HIMSELF/HERSELF) WAS . . . 1. EXCELLENT 2. GOOD 3. FAIR 4. POOR 6527 ZZ12. WAS R SUSPICIOUS ABOUT THE STUDY BEFORE THE INTERVIEW? 1. NO, NOT AT ALL SUSPICIOUS 2. YES, SOMEWHAT SUSPICIOUS 5. YES, VERY SUSPICIOUS 6528 ZZ13. WAS R SUSPICIOUS ABOUT THE STUDY AFTER THE INTERVIEW? 1. NO, NOT AT ALL SUSPICIOUS 2. YES, SOMEWHAT SUSPICIOUS 5. YES, VERY SUSPICIOUS 6529 ZZ14. OVERALL, HOW GREAT WAS R'S INTEREST IN THE INTERVIEW? 1. VERY HIGH 2. ABOVE AVERAGE 3. AVERAGE 4. BELOW AVERAGE 5. VERY LOW ZZ15. OTHER PERSONS PRESENT AT THE INTERVIEW: (CODE ALL THAT APPLY.) 6530 ZZ15 CHILDREN UNDER 6 6531 ZZ15. CHILDREN 6 & OVER 6532 ZZ15. SPOUSE 6533 ZZ15. OTHER RELATIVES 6534 ZZ15. OTHER ADULTS 6535 ZZ15. NO ONE 1. Checked 5. Not checked 6536 ZZ16. DID R REFER TO DOCUMENTS TO ANSWER QUESTIONS? 1. FREQUENTLY 2. SOMETIMES 4. RARELY 5. NEVER ZZ17. WHICH DOCUMENTS DID R REFER TO? (CODE ALL THAT APPLY) 6537 ZZ17. LOAN DOCUMENTS 6538 ZZ17. CHECKING; SAVINGS; INVESTMENTS 6539 ZZ17. PENSION DOCUMENTS 6540 ZZ17. INCOME TAX RETURN 7769 ZZ17. OTHER 7770 ZZ17. BILLS 7771 ZZ17. PAY STUBS 7772 ZZ17. OTHER RECORDS 1. Checked 5. Not checked -1. None 0. Inap. (Did not refer to documents) 7504 ZZ18. IN WHAT LANGUAGE WAS THE SURVEY CONDUCTED? 1. English 2. Spanish ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- BANK MARKET STRUCTURE VARIABLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- The following variables relate to the structure of the banking markets in which the respondent lives. These variables come from files maintained by the Financial Structure Section. This information is matched to the survey data at the level of the MSA where possible, or at the county level otherwise. X8460 Geographic linkage variable used in FRB bank structure data: values less than 1000 are MSA, and other values are 10,000*(state FIPS code)+(county FIPS code). ********************************************************* NOT INCLUDED IN THE PUBLIC DATASET ********************************************************* X8461 Percentage market share of the four largest commercial banks in the MSA or county where the respondent lives. (CM_CR4 in FRB bank structure data: maximum value=100) ********************************************************* NOT INCLUDED IN THE PUBLIC DATASET ********************************************************* X8462 Percentage market share of the four largest commercial banks, thrifts and credit unions in the MSA or county where the respondent lives. (CR4_ALL in FRB bank structure data: maximum value=100) X8463 Herfindahl index (sum of squared percentage market shares of commercial banks in the MSA or county where the respondent lives. (100*CM_HERF in FRB bank structure data: maximum value=100) ********************************************************* NOT INCLUDED IN THE PUBLIC DATASET ********************************************************* X8464 Herfindahl index (sum of squared percentage market shares of commercial banks, thrifts and credit unions in the MSA or county where the respondent lives. (100*HERF_ALL in FRB bank structure data: maximum value=100) ********************************************************* NOT INCLUDED IN THE PUBLIC DATASET ********************************************************* ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- 1992 SURVEY OF CONSUMER FINANCES REVISED EDITING INSTRUCTIONS GENERAL EDITING INSTRUCTIONS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Recording 1. FM's must write in the interviews in GREEN ink only. Editors must use RED ink only. The Editing Supervisors must use BLUE pencil and must initial all decisions they make. Deleting Items 2. Never erase an interviewer's entries. Instead, delete them by circling them out. The interviewer's entries must always remain readable even after deletion. Editing marks may be erased if editing changes are made. Moving Items 3. When it is necessary to move a response from one part of the interview to another, circle the item out, and enter it in the new place. Be sure to place a note at the old place stating where the item was moved to and why. Add another note at the new place stating where the item was moved from. Explanatory 4. Explanatory notes should also be made (in addition to Notes item 3 above) whenever a decision is made which might not be apparent to someone reviewing the interview. THE REASON FOR YOUR EDITING SHOULD BE MADE CLEAR. Missing 5. Edit a response missing whenever a question was skipped Responses which should have been asked. The Golden Rule 6. READ ALL MARGINAL NOTES and the THUMBNAIL SKETCH (on the back page) and utilize the information contained in them in your editing. If any information from them will be lost due to following the editing instructions, or if it contradicts other information, or you do not know how to incorporate it, see the Editing Supervisor. WE DO NOT WANT TO LOSE ANY IMPORTANT INFORMATION CONTAINED IN MARGINAL NOTES. Multiple 7. If more than one response is given by R, for questions Responses where we code only one response, code the first answer given (lowest coded response). Filter 8. MAKE SURE FILTER QUESTIONS ARE CHECKED Questions a. If a filter question was left blank but the questions contingent upon it were answered, you can edit the filter question to agree with the contingent Q's. b. If a filter question was left blank and the questions contingent upon it were also left blank, the filter question should be NA'd, unless the I'wer has circled or underlined a skip instruction at the filter Q indicating which box was meant. Then the appropriate filter box may be edited in. c. If, however, the filter question was checked and the series of questions contingent upon it were left blank, the filter question should be left as is and the contingent questions that follow should be NA'd. Ranges and 9. If a range is given, circle it out and edit it to the midpoint Rounding of the range. Range Card 10. Whenever Range Card was used, the I'wer should have recorded a letter. Editors should edit the range card letter to a leading 9, zero fill plus the numerical equivalent of the alphabet (A=1, B=2, C=3, etc). RANGE CARD A $1 to $100 B $101 to $500 C $501 to $750 D $751 to $1,000 E $1,001 to $2,500 F $2,501 to $5,000 G $5,001 to $7,500 H $7,501 to $10,000 I $10,001 to $25,000 J $25,001 to $50,000 K $50,001 to $75,000 L $75,001 to $100,000 M $100,001 to $250,000 N $250,001 to $1,000,000 O $1,000,001 to$5,000,000 P $5,000,001 to $10,000,000 Q $10,000,001 to $25,000,000 R $25,000,001 to $50,000,000 S $50,000,001 to $100,000,000 T More than $100,000,000 Cents Recorded 11. If dollars and cents are recorded in amount fields OTHER THAN HOURLY WAGES, circle out the cents portion. However, if you are using such a number for calculations, use the cents. Supervisor's 12. When an editor makes a decision with the help of an Decisions editing supervisor or a study director, he/she should record the initials of the person who helped them next to the explanatory note. Editors' Problem 13. The purpose of the "Problem Sheet" is to provide a more Case Summary complete description of certain types of problem cases. There is no formal "Problem Sheet". Use the inside back cover and post-it notes as your "Problem Sheet. The information will be used to review decisions made, to provide additional data for the imputation process, and to give a more complete picture of the case than the data alone allows. Information should be added in all the following circumstances: a. Whenever there are marginal notes or other volunteered information that is not captured in the editing/coding, especially dollar amounts and including responses to questions that Interviewers asked in error. b. When a decision has been made that was somewhat arbitrary and could have been made another way using the information provided. In these cases, all information relevant to the decision should be recorded. c. Wherever specifically instructed to do so in the Edit Instructions. d. When requested to do so by the Editing Supervisor. e. When an item must be NA'd because only "partial" information is known, record the "partial" information which would otherwise be lost. f. When significant detail is volunteered about assets or debts in "mop-up" questions which will not otherwise be incorporated into the data. g. When certain "wide" ranges are edited to their midpoints they should also be recorded. These "wide" ranges are whenever: THE TOP OF THE RANGE WIDTH THE RANGE IS... AND IS AT LEAST... UNDER 100,000 10,000 or more 100,000-1,000,000 100,000 or more OVER 1,000,000 1,000,000 or more Problem Sheets should be written in BLACK PENCIL or INK. Complicated or complex marginal notes and problems can be xeroxed and attached. They should be left in the Interview and removed by the check-editor. Double Counting 14. Editors need to be continually on the lookout for instances where the respondent has reported the same information twice. In many cases, a marginal note from the I'wer will signal double-counting; if the note is clear, edit accordingly; if it is not so clear, you will have to use your best judgment and, if necessary, see the Editing Supervisor. In all cases, where a marginal note leaves significant doubt about whether or not an amount is double-counted, put it on a Problem Sheet, whether your best judgment has led you to edit it out or not. In some cases, you will suspect double-counting only because the same amount occurs in two different places. If the number is a simple, whole amount (such as $2,000), you will only be able to suspect, but do nothing. If, however, the number is precise (say, $2,212, or better yet, $2,212.48), you may (depending on the circumstances) have clear evidence for double-counting. See the Editing Supervisor if it is not certain. The question-by-question instructions that follow will include specific instructions where double-counting is likely to occur and should be watched for, so be especially alert in these places. In some cases where double-counting is found, data will be removed from one location; in other cases, the double counting will be allowed to stay in both places. Cases of special note follow: Section F: A debt owed by R or other PEU member to a family (F12-F123) business listed at F12- F12.3 can also be reported at I4-I14. Section R: Amounts listed as cash settlements at R98.3 can be double- (R98-R98.5) counted in other sections. If the cash settlement is the source of funds, they may be validly double-counted as investments or holdings in accounts. Section Y: Information that appears in Section Y as assets or debts of (Y33-Y40.3) Financially Independent household members and in the other sections of the I'w will be removed from the other sections and left in Y33-Y40.3, with the exception of the data on R's home (Y39-Y39.3). Section X: Assets that appear in Section X and also in earlier sections may be left in both places, since Section X refers to the source of the assets, and the earlier sections about how it's currently held. Section T: Income amounts that are reported in other places in the interview and in Section T should be left in both places. Section T asks for all income and stands independently of the other sections except where noted. General Rule 15. If it is necessary to split $ amounts in order to move for Splitting only a part of a debt, income, or asset to either a Items different place in the Interview or out of the interview, one should use all available evidence and common sense to decide on the proportions. If no evidence at all is available, you should split the amount(s) in equal parts. IN ALL UNCLEAR CASES, however, you must get the help and advice of the Editing Supervisor or have the Editing Supervisor review the procedure you used and you must write it on a Problem Sheet. Financially 16. The information about financially independent adults Independent living in the HU is to be edited out of all Adults sections except the HHL and: a. F9.2, where they can legitimately be recorded as working in R/S's business. b. Section Y, where their assets, and health insurance debts are recorded. Editing 17. a. When adding or deleting columns to or Grids from a grid be sure the checkpoints at the bottom of the grid are edited to reflect the changes made; also change the #'s in the phrase "ONLY ___ LOANS (SAVINGS ACCTS, etc.)" so they agree. b. After editing out columns, renumber the remaining columns by circling out the #'s in the column headings. c. If an item is edited out of a full grid, thus creating an empty column, and there is information entered in the following mop-up Q's, move it forward into the empty column. d. If amounts from the "mop-up" questions following a grid must be entered into a grid column and the amount in the mop-up Q is a lump sum of more than one item, split the amount proportionately. If unclear how to split, see the Editing Supervisor. In any case, write up what you did on a Problem Sheet. e. After all deletions or additions to a grid take care to edit the filter # entered in the box before the grid to the correct new total # of items (i.e., after editing a "tractor" out of the vehicle grid, which also contains a car and pick-up truck, be sure to edit the control box at G25.1 to "2"). "Partners" 18. For the purposes of this study, a "Partner" is assumed to play the same financial role in a P.E.U. as does a "Spouse" and, for this reason, "Partners" are handled in the Interview exactly the same as "Spouses." If you, however, think you have found evidence that an Interviewer did not treat a "Partner" the same or that a particular "Partner" might be better considered (financially) a "Friend" or "Roommate", bring the problem to the attention of the Editing Supervisor and write them on a Problem Sheet. Confidential 19. If confidential information (such as names, Info names of businesses, etc.) is found in the interview or in the TN, you should blot it out with a black pen. If information would be lost because of this, edit non-identifying information in to replace it in green pencil (i.e., if the name of R's business is written in the TN, blacken it out and write in "R's business"). Loan/Mortgage 20. If a marginal note indicates that a Mortgage or Payments Reg. Installment payment reported is not the payment amount agreed on (for example, if R is "prepaying" on a loan), edit the payment to the payment amount formally agreed to (or NA it if that amount is not known) and write it and the amount actually being paid on a Problem Sheet. Checking Type of 21. In the grid in Section A, R is asked to enter Financial Inst. information on the financial institution he/she does business with in columns labelled "INSTITUTION #1-#6". In later grids at Q's D36, D51, D53.8, D64, D69.7, E33, G22, G38, H15, I14, N4, N19 and N24, these "INSTITUTIONS" are referred to in code boxes 01-06. In these Q's only one box should be checked in each column of the grid. If more than one is checked you should edit it to one using the following rules: a. If category 1-6 and category 11-97 are checked, edit it to only category 1-6 if, on checking at A6, it is found that category 1-6 is the same type of financial institution as category 11-97. b. If they are found to be different types, or more than one of category 11-97 boxes are checked, see the Editing Supervisor. IF "FINANCIAL INST" Q IS "CHECK ALL THAT APPLY" However, at B8, B10, N13, N22.3, N40.1 and N45 the instructions in the questions are to "(CHECK ALL THAT APPLY)". For these you should ONLY make sure that the number of items mentioned at the beginning of the sequenceis not LESS THAN the number of institutions checked. If they are, then see the Editing Supervisor, unless rule a. above applies. INSTITUTIONS CARD The types of accounts listed on the institutions card will not always correspond to the organization of the data in the questionnaire. For example, some people may list a money market account on the card, but report the account in the checking account grid in Section N. Some people list institutions where they formerly held accounts. However, the card may also be useful as an editing device. For example, a respondent may report that she has a checking account at a commercial bank while the institutions card shows a checking account at an institutions that we know is a commercial bank from the information in Section A. In some cases, when a respondent is asked directly, he may refuse to tell us if he has some type of asset or debt that he has already revealed to us on the card. In such cases, you may edit in the asset or liability. Edit Fractional 22. At various places in the Interview (D30, D45, Years D58, E9, E25, G16, G32, H10, I8) R is asked to respond with ___# YRS or ___# PYMTS. If the responses to any of these is a fractional number of years in the # YRS blank (e.g., "1-1/2" YRS), these should be edited out of the # YRS blank and the corresponding number of payments should be computed and edited into the # PYMTS blank, as per the following: a. At D30, E9 and E25 the Q just before or following specifies the frequency with which the payments are made (i.e., $___ PER ___) and the number of payments would be computed from that (e.g., if "1-1/2 YEARS" paid PER "QUARTER" to "6" # PYMTS). b. For the rest, the # of payments should be computed assuming one payment per month (e.g., "1-1/2" YRS = "18" # PYMTS). c. If any marginal notes or information should indicate that some other "regular" frequency of payments is reported than the frequency formally agreed on (because the loan is being prepaid, for instance), then use the frequency agreed upon to compute the # of payments and it should also be noted on the Problem Sheet. $___ PER ___ 23. Throughout this interview, dollar amounts are asked for as $___ PER___ where the PER frequency is left optional for the R. These are coded in two variables and the "PER" variable contains codes for "WEEK", "BIWEEKLY", "MONTH", "QUARTER", "YEAR" and "Other-MAKE A CARD" and, in addition, "DAY" when wages are asked for. Thus, THERE IS NO REASON FOR YOU TO EDIT THESE UNLESS SPECIALLY INSTRUCTED, even if the Q asks for an answer in a different time period than the R answers in (e.g., N49.10 asks for "yearly premium"; you should not edit a response of $"20" PER "MONTH"). Grid Control 24. At the beginning of most of the grids in the Questions interview (D53, E2.1, E15, F2, Boxes F4.1, G2, G7.1, G7.1, G25.1, H2, I3, N3, N16.1, N23.1, R18, R97.1, R98.1 and X2) are large boxes which function as CONTROL BOXES for the grid. The number in the box should be equal to or greater than the number of items recorded in the grid. a. If the grid does not have a set of "mop-up" questions at the end of it, in which more than one item may be lumped, then the number in the grid will match or be greater than the number of items entered in the columns of the grid. b. If the grid does have a set of "mop-up" questions at the end, then the number in the box must be at least as large as the number of columns in the grid plus the number known to be in the mop-up questions. c. If you edit items into or out of a grid, you must edit the filter box for it, to keep it consistent with the grid and mop-up questions. Gift/Inheritance 25. Throughout the interview (at D11.3, D12.2, Boxes D15.1, D15.3, D15.5, D20, E19, E36.2, and E37.1), when the value of an asset is asked, a "GIFT/INHERITANCE" checkpoint is included. Whenever you encounter one of these and marginal notes or information says that the asset, or part of the asset, was a gift or inheritance, you should: a. Make sure the 1 is circled. b. Make sure the value given was the value of the asset when it was received. c. If an asset was received as a gift or inheritance in parts, at different times, see the Editing Supervisor. d. If 1 is not circled, editors should circle 2. Business Debts 26. In Sections G, H, I, N and at E1-E13.2 you are and Assets instructed to edit out "business" debt or assets in order not to double-count them, as they are assumed to be included in Section F. Whenever so instructed, we mean "business" debts and assets to be defined as follows: a. The "business" is a business that R or some other PEU member owns or has an interest in which is included in Section F as an active or passive business. If R or a PEU member does self-employed work but does not consider it to constitute a "business" (and does not list it in Section F), then any income producing assets they use or debt they incur for it are "personal" and these assets and debts and should be left in. An example of this would be an R who owns a tow truck (which he still owes money on) to do part-time towing, but does not consider that he has a business, so answers F3 "NO". You would leave his tow truck in the Section G grid. b. The "business asset" should be owned "in the name of" the business rather than being owned as a "personal" asset by the PEU. Likewise, the business should be liable for the debt rather than the PEU. Thus, if R borrows money for his business in his name and he is liable for it, it is not "business debt." Also, if R's business owns an asset (like a car), but R uses it, it is a "business asset." NOTE: Solely owned proprietorships (see F9-4) are particular problems and in general you should consult the Editing Supervisor if you encounter "business" debt or assets for a solely owned proprietorship outside of Section F. Seasons 27. If MONTH is NA, but season is given, code: Winter = 02 Summer = 08 Spring = 05 Fall = 11 # of years = 28. For all Q's asking "# of years", code "01" less than 1 will include one year or less but will not include "NONE". ABBREVIATIONS USED IN EDITING DU Dwelling Unit = HU Housing Unit I'w Interview EU Economic Unit Mtg Mortgage Ed. Sup. Editing Supervisor NA Not Ascertained FU Family Unit OCC Occupation HU Housing Unit PEU Primary Economic Unit Inap Inapplicable Unit Pmt Payment I'er Interviewer R Respondent IND Industry S Spouse USEFUL DEFINITIONS 1. HOUSING UNIT (HU): a. A one-family house or half of a two-family house, or b. An apartment or flat in an apartment house or other building, or c. A trailer or mobile home (as long as it has cooking facilities), or d. Living quarters in back of stores, over garages, etc., or e. A rooming house. We do not sample institutions such as old people's homes, sanitariums, convents, military bases, dormitories, etc., which contain ten or more unrelated families. 2. FAMILY UNIT (FU): A Family Unit is a group of persons living in the same Housing Unit who are related to each other by blood, marriage, or adoption. Couples who are living as married are treated as if they were married. 3. PRIMARY ECONOMIC UNIT (PEU): The members of the FU that includes the Respondent, who are Financially Dependent upon the R. For our purposes, the PEU consists of all the people listed in the HH Listing Box who are not checked "INDEP" in Column F. LISTING BOX -- P. 1, HHL1-HHL5 FS INITIAL THE INTERVIEW AT THE TOP LEFT OF PAGE 1 TN READ THE THUMBNAIL ON LAST PAGE AND Y41 FOR ADDITIONAL INFORMATION AND TO LOCATE TROUBLE SPOTS IN THE INTERVIEW. UNDERLINE USEFUL INFORMATION IN RED. HHL CHECK WHETHER THE INTERVIEW SHOULD HAVE BEEN TAKEN. If you find BOX an interview taken: 1. where the current PEU did not live in the HU at the time the I'wer first went to the HU (except for list sample cases). 2. where the R is not a member of the PEU. 3. at a place which does not fit our definition of a HU. Take it to the Editing Supervisor. The decision whether to accept it or not will be made elsewhere. HHL CHECK THE LISTING BOX AND EDIT OUT NON-HU MEMBERS BOX 1. The listing box should contain all persons living in the housing unit at the time the interviewer first had contact with the household. 2. It should not include visitors or persons who are not currently living in the HU. 3. Edit out non-HU members (by circling in red) and writing an explanatory note. Use information from the HHL as well as the rest of the Interview and the TN. In cases where the situation is complex, the final test is whether or not the person could have, theoretically speaking, been interviewed somewhere else at the time that the interviewer CALLED ON THE HU for the first time. In order to ascertain the date of the interviewer's first call it is necessary to obtain this information from the Cover Sheet in the Field Control Office. See a Check Editor or Supervisor for this. As much as possible, the judgment of the Interviewer should be maintained. If it is unclear if a person should be included or not and the Interviewer has included them (and thus their financial information), then usually we should include them. Likewise, if it would mean NA'ing a lot of data because the Interviewer did not not include them, then we shouldn't. 4. If you edit anyone out of the HHL box you must also edit out any financial information for the person from the interview. You should take any such cases to the Editing Supervisor and you must write it up on a Problem Sheet. 5. If you edit any children of R, Spouse or Partner out of the Listing Box you must edit them into Y5-Y5.2 (the number of children of R and Spouse/Partner living elsewhere). HHL COL D CHECK MARITAL STATUS AND MOVE SPOUSE/PARTNER TO LINE 2: 1. Check that the marital status for R and Spouse/Partner is the same -- either both married or both living with a partner (M or P). If there are any discrepancies, bring them to the attention of a supervisor. 2. If R reports "married," but is not currently living with his/her spouse, the R may either be separated or the spouse may be living in an institution, be away in the military, maintain a separate address during the week, etc. a. If the R and spouse are actually separated, change the marital status and edit the questionnaire to remove the spouse to the degree this is possible and mark the case for review by an editing supervisor. b. If the spouse is temporarily away or regularly returns, we would like to include the spouse in the questionnaire. Code the spouse marital status using the "7" or "8" code and leave any assets and liabilities reported in the questionnaire. If the R does not include all of the assets and liabilities of the spouse, make the case for review by an editing supervisor. Code residence status 4 (see below for explanation). 3. If the spouse/partner is not listed on the second line, renumber the HH members, giving the spouse/partner #2. Draw an arrow from the S/P to line 2 indicating that the spouse/partner should be entered on Line 2. 4. NOTE: "S" means "Separated" (not "single"). "NM" means "Never Married." 5. If a child/stepchild of R/S is over 18 and marital status is not marked, code it missing. HHL COL E PRECODE RESIDENT STATUS Read over any marginal notes and use the following code for each person in the HHL box. RESIDENT STATUS CODE For codes 2-4 and 7, circle out the YES or NO response and enter the new code in the middle of COL. E. For codes '1' and '2', underline the "1" or "2" in green. HHL COL F PRECODE THE ECONOMIC UNIT Code the "economic unit" to which each person in the listing box belongs. Enter the code to the left of the center bar of COL. F, under 'FINANC DEPEND'. Use the following code; R is always coded '1'. If it is unclear whether a person is FINANCIALLY DEPENDENT or INDEPENDENT or which EU a person should be a member of, see the Editing Supervisor. EU MEMBERS The debts, assets and income of all PEU members (coded 1) should be included in FINANCIAL Sections A-X and none of them should be included in Y33-Y43. Likewise, all INFO IN all persons not in the PEU (i.e., in 2nd, 3rd, etc. EU) should have their finances WRONG PLACE reported in Y33-Y40.2 and should not be reported in Sections A-X (with the exception of house value and mortgage information to be explained later). Thus, if you edit anyone into or out of the PEU or you find any evidence that anyone's finances are reported in the wrong place, you must edit them to agree with the HHL box and it should be entered on a Problem Sheet. If there are any doubts concerning this issue, you should bring the Interview to the Editing Supervisor. PARTNER If any Spouse or Partner is marked "FINANC INDEP": OR SPOUSE MARKED 1. If it is a partner marked "INDEP" and their finances are clearly reported in INDEP. Y33-Y43 and not in Sections A-X the "partner" should be edited to "friend" in the HHL box. If their finances are included in Sects. A-X and not in Y33/Y43, edit COL F of the HHL box to 'FINANC DEPEND'. 2. If it is a spouse marked "INDEP", COL F should be edited to "FINANC DEPEN". In either of the above cases, the Interview should be taken to the Editing Supervisor and a Problem Sheet written up. UNDER 18 If a person under 18 years old is marked "INDEP": MARKED INDEP 1. If it is clear that their finances are reported in Y33-Y43 and not in Sections A-X, leave things as they are. 2. If their finances have not been included in Y33-Y43, but instead in Sections A-X, edit them to "FINANC DEPEND". SECTION A: ATTITUDES AND FINANCIAL INSTITUTIONS A5, A5.11 Check that the number entered at A5 agrees with the number entered in the box at A5.11. If does not, see the Editing Supervisor. A5.11 Edit the # INST entered in the box at A5.11 is equal to or greater than the number of Institutions recorded in A6-A9 for Columns #1- #6. If R reports more than 6 institutions, the number in this box may be greater than 6 even though only 6 institutions will be listed in the grid. A6-A9 FINANCIAL INSTITUTIONS GRID 1. Columns should be neither added to this grid nor deleted. If, however, more than six institutions are entered in the columns, edit those beyond six out. There should only be six institutions listed in the columns. See the Editing Supervisor if there is any confusion here concerning which institution R regarded as #1, #2, etc. A7 If R chose more than one response, take the first one in the list. SECTION B: ATTITUDES TOWARD CREDIT/CREDIT CARDS B6-B10 CREDIT CARD GRID 1. If R does not know how many cards of a particular type other family members have, or the balance on those cards, the interviewer is instructed to make a marginal note. Enter this information on a Problem Sheet. 2. Edit out all credit cards in the name of a business (including businesses that the PEU has an interest). Do not, however, edit out credit cards in R's or PEU members' names but which may be used for business. 3. Check Column E credit card type. If it is clear that a credit card listed in COL E really belongs in one of the other columns, edit the information into its proper location. Most commonly a store credit card will have been entered here and should be edited to COL B. a. Telephone cards (other than cards like the AT&T Universal Card which are a Visa/Mastercard and a telephone credit card) should be removed. B6,B10 Check the Number of Financial Institutions against the Number of Bank-Type Cards. COL A If there are more institutions checked at B10 than the # of accounts entered at B6, see the Editing Supervisor. SECTION D: HOUSING STATUS (D1-D22) D1 1. Check that the correct sequence was followed at interviewer checkpoint. Check ZZ2 and D16 to help in identifying problems. 2. See farm guidelines, p. 24. D5 OWNERSHIP STATUS OF FARM/RANCH 1. Check that R's who live on farms or ranches have gone through the own/rent sequence appropriately. Look for marginal notes that explain any unusual situations, and bring these to the attention of the supervisor if the sequence marked does not appear to incorporate all information. 2. If PEU are tenant farmers: A tenant farmer rents his farm and pays rent in cash. For people in these classifications, make sure the "RENTS" box is checked at D5. Check the rent amount given at D17; if it is given as a dollar amount, leave it as is. If R "doesn't know", edit it to DK. In either case, write it on the Problem Sheet if the rent, or part of the rent, is not paid in money. 3. If the "OTHER" box at D5 is marked, examine the response to see if it should be edited to boxes 1-4 only if the proper skips have been followed. If the response should remain in the 'OTHER' box, write it on a Problem Sheet. D5.3 Edit as per D19 below. FARM EDIT GUIDELINES We have arrived at a set of guidelines for handling farms that we think will be fairly clear in most cases. The guidelines are: For farm owners and operators: 1. D5.3 (or D10) will contain the value of all the land and structures on the farm that the PEU owns; and D20 should be the total cost of all the property and structures on the farm that the PEU owns. 2. Frequently farmland that is not adjacent to the land the home is located on is reported in section E. Such property and any associated debt should be moved from the E section to the appropriate section D sequences. 3. The above assumes that the PEU actively manages a farming business that is reported in the F15-F19 sequence. The amounts in F14 and F15 will contain the following: F14 Only the value of implements, crops, farm animals, and anything else except the value of the land and structures. F15 The amount that was paid for all of the above. In all cases these items will need to be checked by the Editing Supervisor. For all cases that do not fit the situations outlined above, see the Editing Supervisor. D11, D11.5 MOBILE HOMES: 1. Look for marginal notes that explain any unusual situations, and bring these to the attention of the supervisor if the sequence marked does not incorporate all relevant information. Write such cases on a Problem Sheet. 2. If "NEITHER OWNS NOR RENTS" is marked, examine the responses to see if R owns any part of the site or mobile home. If so, edit D11 and follow-up questions appropriately to agree with the information you have. If there is any uncertainty about how to code D11, see the Editing Supervisor. D16-D16.2 HOUSE/APARTMENT/FARMHOUSE OWNERSHIP STATUS: 1. Look for marginal notes that explain any unusual situations. If the sequence marked does not appear to incorporate all information, bring these to the attention of the Editing Supervisor. Write up any problem cases on a Problem Sheet. 2. If R mentions Homeowners' Association at D16, edit it to '5. TOWNHOUSE ASSOC.' 3. a. If the home is owned wholly or partly by a business owned by the PEU (in Section F), see the Editing Supervisor. b. If R owns the home with people in the household who are not part of the PEU, be sure the value and mortgage reported in Section D corresponds ONLY to R's share. The entire value of the property and the mortgage are reported in Section Y, Q.39.2 and Q.39.3. 4. If "R LIVES IN MULTIPLE HU STRUCTURE" is checked at D16.3, check the responses to D18 and D18.1. 5. If "NEITHER OWNS NOR RENTS" is checked, read the explanation given at D16.4 and check that the correct sequence was taken. a. If it appears that R owns any part of his/her home, edit D16 to "OWNS OR IS BUYING" and edit the follow-up questions appropriately, using all the information given. If there is any uncertainty, see the Editing Supervisor and write any problem cases on the Problem Sheet. b. If R's housing is fully subsidized by the government, including military personnel, edit D16 to "PAYS RENT". DEFINITIONS D16.3 In principle, when R lives in a multiple HU structure and R owns more than the unit he lives in, we only want the details on only R's unit in Section D with the remaining value reported in Section E. Where possible, edit the data in this way. However, particularly for smaller structures (duplexes, triplexes, houses with basement or garage apartments), it will be virtually impossible to make a separation. In such cases, make a note on the problem sheet and accept the data for the entire structure. D17-D17.3 IF PEU PAYS RENT: 1. If R pays for both room and board, edit out the amount paid for board. If the amount paid is not known, assume half of what is paid is rent. If this seems unreasonable, see the Editing Supervisor. 2. We want the rent most recently paid (or due). For example, if "the rent was just raised to $275, but when the rent was paid last it was $260," edit it to $260 per month. If R mentions several different rents paid over the past year and gives an average, edit to the rent last paid (or due). 3. If the rent is shared with other EU's, edit D17 to the PEU's share only. If several "Independent Adult" roommates share the rent with R and the proportions are unknown, split the total rent equally among them and edit D17 to R's share. If the situation is more complex, see the Editing Supervisor. 4. FOR TENANT FARMERS -- see D5. D17.1 Water is not assumed to be a utility for purposes of D17.1. If "Yes, water" or "only water," edit the response to "NO" D17.2 If only stove and/or refrigerator are provided, edit D17.2 to "UNFURNISHED" if it is not already so marked. D17.3 If R "lived here before," moved out and then moved back, edit D17.3 to date R moved back this time. If R lived in another apartment in this building or project before moving to this apartment, edit D17.3 to date R moved to this apartment. D18, D18.1 Look for marginal notes here explaining any unusual situations. If it is unclear how such information should be coded, see the Editing Supervisor. Write it up on a Problem Sheet if there are any unusual or confusing situations. Check ZZ2 for clarification. D19 FOR HOME (FARM) OWNERS: 1. The house value at D19 should include the part R owns. For farmers this includes the house, farm buildings, and contiguous farm land. 2. If R says they have been offered $80,000 but wouldn't take less than $100,000, code the midpoint. 3. If R has been offered more than the actual value of the property ("I've been offered $50,000, but it's actually worth only $30,000"), code the amount offered. D19 4. If part of the house is owned by persons with independent finances or with people who do not live in the HU, include only the part of the property actually owned by the PEU. The total value of the property owned by all people in the HU should be given at Y39.2 when there are HU members with independent finances. If a part of the house is owned by someone outside the HU, mark the case for review by an editing supervisor. D20 DATE OF PURCHASE: 1. In cases where multiple dates are given at D21 (purchase date, the house occupancy date, and/or the date of the mortgage), edit in the date as per the following priorities: Record the uncoded dates on the Problem Sheet. 2. If the house was purchased/inherited/built in increments, edit it to the priorities above for the earliest increment of the house itself (not incl. land purchases). 3. If farmers bought their farm in increments, use the date the earliest part was purchased. 4. If the house was inherited (the GIFT/INHERITANCE box at D20 is checked), this date should be the date inherited. D21 If R bought a house furnished, do not attempt to separate out the value of the furnishings. D22 Add land and house taxes together if they are given separately. If the period of taxes is not given, write in "YEAR." D23 If R reports both "YES, MORTGAGE" and "YES, LAND CONTRACT" at D23, check the grid to make sure that at least two columns of the grid have been filled out. If they have, edit D23 to "YES, MORTGAGE" and follow that sequence. If at least two columns of the mortgage grid have not been filled out, see the Editing Supervisor. D27-D40.1 THE MORTGAGE GRID 1. Be on the lookout for any unusual or confusing mortgage arrangements which may be problems. Take them to the Editing Supervisor and, if necessary, write them up on the Problem Sheet. 2. Mortgages reported in this grid should always be left in unless it is clear: a. that it is not the home the PEU is currently living in (move these debts to E15-E34, "Other Property"); b. the home the PEU is currently living in is not collateral for the mortgage (these may be moved to D41-D51, D54-D65.2 or elsewhere) depending on the purpose and type of the loan; c. the PEU is not liable for the mortgage. d. NOTE: Another exception would be a HOME EQUITY LINE OF CREDIT (see Quick Reference Guide for definition) that was NOT a first mortgage. These should be edited out of COL B or C for D27-D40 or D41-D51 and moved to D53-D53.9. In all these cases see the Editing Supervisor and the case should be written up on the Problem Sheet. 3. If it is discovered that the PEU does not own any of the home and are living rent-free, D16 will have to be edited to NEITHER OWNS NOR RENTS, and Section D re-edited. If R only owns part of the property, only include the part of the mortgage that R is responsible for. The total amount outstanding on the mortgage that is the responsibility of the R and any people with independent finances should be reported in Section Y, Q.39.3. See the Editing Supervisor and write this up on a Problem Sheet. 4. If it is found that the mortgage is partly or wholly assumed or paid for by a business in Section F owned by the PEU, you should see the Editing Supervisor. 5. If marginal notes indicate that the payments change during the life of the mortgage for reasons other than variable interest or balloon payments (which are handled by the grid), see the Editing Supervisor and put it on the Problem Sheet. Examples of these would be "negative amortization" or "graduated payments". 6. Co-ops may have mortgages on the entire building, as well as on the PEU's unit. If you encounter any such as these, edit them to include only PEU's unit. D27, D28, In the case of assumed mortgages, the data in D27, D28, and D30 D30 should be as of the date that the mortgage was assumed by the PEU, not the date it was originally taken out by the seller. D27.1 Beware of confusions between "seller-provided" mortgages (where the seller provides the financing for the mortgage and the PEU pays the seller) and "assumed" mortgages where the PEU takes over the payments from the seller. For "seller-provided" mortgages, D27.1 should be edited to "NO". D29 If D29 is NA, do NOT compute it from D30 and D31; leave it blank. D30 1. If D30 is answered in a fractional # of years, edit it as per the GENERAL INSTRUCTION 22a. 2. If "NO SET #" is checked, check D52-D53.10 for possible double-counting. If double-counting is found, see the Editing Supervisor. D36 Edit the Type of Institution at D36 as per GENERAL INSTRUCTION 21. D37 Precode the purpose of the 2nd mortgage at D37 using the LOAN PURPOSE CODE. D40, D40.1 Check that the D40 and D40.1 boxes are checked correctly after all editing of this section is finished. D41-D51 OTHER HOME LOANS 1. Watch for cases here which have: a. HOME EQUITY LINE OF CREDIT loans, which should be in D52- D53.10. b. 2nd and 3rd Mortgages (for which the home is clearly noted as being collateral) which should be in COLUMNS B & C of the D27-D40 mortgage grid; c. Home improvement loans (purpose clearly stated), for which the home is not collateral, should be in D54-D65.2. If you think you have found any of these, see the Editing Supervisor. They should be edited to their proper place. If you find such a loan here double-counted with one in D52- D53.10, the Section I loan grid, or D54-D65.2, edit it out here and leave it in its proper place. These should be written on the Problem Sheet. 2. If more than one "other" loan is itemized here, leave the largest (in terms of the amount borrowed) here and move any other to the grid at I3-I15 (where they should be coded "01" for loan purpose). D45 If D45 is answered in a fractional # of years, edit it as per the GENERAL INSTRUCTION 22. D51 Edit the type of institution at D51 as per GENERAL INSTRUCTION 21. D53 Edit the # LINES OF CREDIT entered in the box at D53 to be consistent with the number recorded in Columns #1-#3 of the grid and D53.10 as per GENERAL INSTRUCTION 24. D53.1-D53.10 THE HOME EQUITY LINES OF CREDIT (HELC) GRID 1. If a HELC here is double counted in the Mortgage grid at D27- D39, leave it in there if it is the first mortgage; leave it in here if it is not a first mortgage; put it on a Problem Sheet in either case. 2. Check for Credit Cards which may be included or double-counted here. They should be edited out of this sequence to Section B. If they are double counted, remove them from Section B and put the information on a Problem Sheet. If they can't be separated out of Section B, see the Editing Supervisor. 3. Edit out any business lines of credit found here. D53.4 Pre-code the purpose of the loan using the LOAN PURPOSE CODE If the purpose of the loan is coded "10" (to purchase a car), check the "owned vehicle" grid (G8-G23) to see if this loan is double-counted there. a. If it clearly is, edit the debt out of the vehicle grid. b. If it may be, but it is not clear, see the Editing Supervisor. NOTE: A car used for business purposes (but not owned by the business) may be left here. D53.8 Edit the type of institution at D53.8 as per GENERAL INSTRUCTION 21. D53.10 If the PEU has more than three HELC, any money owed on these surplus lines will be entered at D53.10. D54-D65.2 ADDITIONS AND IMPROVEMENTS 1. Check marginal notes to make sure R has not failed to include an addition such as "landscaping", "built a garage", or some other exterior addition which he/she thought should not be included but which is an addition. If you find such cases, bring them to the Editing Supervisor. 2. Additions on farms and businesses should be edited out. But additions on the farmhouse, or that part of a business which contains the PEU's home, should be left in. 3. If a home was built in increments and an addition seems to be one or more of the increments, take it to the Editing Supervisor. Building of the home and its cost and loans should not be here. LOANS FOR ADDITIONS 1. If a loan here is clearly collateralized by the house, it should be moved to column 2 or 3 in the mortgage grid. 2. If you find a loan here that is clearly a Home Equity Line of Credit, it should be moved to D53-D53.10. 3. Loans here that are double-counted in the mortgage or HELC sections should be edited out here and left in those sections. D58 If D58 is answered in a fractional # of years, edit it as per the GENERAL INSTRUCTION 22. D64 Edit the type of institution at D64 as per GENERAL INSTRUCTION 21. D65-D65.2 If another home addition and improvement loan is at D65-D65.2 and marginal notes provide more information on it than can be contained in D65.1 and D65.2, move it to the loan grid at I1-I15, if there is an available column there. LINES OF CREDIT FOR NON-OWNERS ONLY: D69.7 Edit the type of institution at D69.7 as per GENERAL INSTRUCTION 21--"CHECK ALL THAT APPLY". D68.1 Check that the # LINES OF CREDIT (LOC) recorded in the & D69 blank at D68d is the same number as is entered in the box at D69 on the next page. If it is not, see the Editing Supervisor. D69 Edit the # LINES OF CREDIT (LOC) entered in the box at D69 to be consistent with the number recorded in Columns #1-#3 of the grid. SECTION E: OTHER PROPERTIES, LAND CONTRACTS E2.1 Edit the # NOTES/LAND CONTRACTS/MORTGAGES entered in the box at E2.1 to be consistent with the number recorded in Columns #1-#3 of the grid and E13-E13.2 as per GENERAL INSTRUCTION 24. E3-E13.2 NOTES/LAND CONTRACTS/MORTGAGES OWNED 1. Check for double-counting of properties between E3-E11 (sold) and E16-E34.1 (currently owned). If a property is clearly listed in both places, leave it here and edit it out of E16- E34.1. If you suspect double-counting but it's not clear, take it to the Editing Supervisor. 2. Edit out all notes, land contracts or mortgages held or owned by any business that the PEU owns or has an interest in. E9 If E9 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22. E11.1 If E11 is YES: Check the amount the PEU still owes at E11.1 and the amount it is still owed at E4 or E7. If the amount at E11.1 is considerably larger than the amount at E4 or E7, and there are marginal notes, write them on the Problem Sheet. E15 Edit the # PROPERTIES entered in the box at E15 to be consistent with the number recorded in Columns #1-#3 of the grid and E36- E37.6, as per GENERAL INSTRUCTION 24. E15-E37.6 THE OTHER PROPERTY OWNED GRID 1. Do NOT edit out "any property owned by a business that [PEU] has an interest in" as instructed by the question at E14, unless it is perfectly clear that the property is included or is the same as the business listed in Section F. If you suspect that it is, but it is not perfectly clear, see the Editing Supervisor. These will be flagged with a special code (see PROPERTY LINK CODE below). 2. Do edit out properties owned by limited partnerships where R is a limited partner if you find them in this section (UNLESS R or the PEU member owning them are GENERAL PARTNERS). Edit them out of here (E16-E34.1) AND edit them into the F20-F24.6 section on passive businesses. See the Editing Supervisor for such cases and write them up on the Problem Sheet. 3. Burial Plots, if listed here, should be moved to N52.1-N52.3. If there is any debt on them, move that to the Section I loan grid. 4. Mobile Homes should be included here, unless they are the current residence of the PEU. (See definition at G8, note 3.) 5. Be particularly alert in this section for unusual or confusing situations. Take anything that seems suspicious to the Editing Supervisor. E16 Precode each property, using the PROPERTY LINK CODE, above the PROPERTY # heading for each column. If you are unsure which code to use for a property, see the Editing Supervisor. E17 1. If "Limited Partnerships" are noted here, see E15-E37.6, item 2 above. 2. Box 1 "OWNED BY R" is meant to include ownership by R's Spouse, either with R or alone. E17.1-E33 Value and Debt on Property 1. If marginal notes indicate that only the PEU's share is recorded in E18-E29, compute and edit E18, E20, E23, E24 and E26 to the totals for the property using the PEU's share at E17.1. 2. If the PEU owns TIMESHARE property, then leave E18-E29 as only the PEU's share and edit E17 to "OWNED BY R unless the share is owned together with other people outside the PEU.". If the entire value and debt on TIMESHARE property is given, compute and edit it to the PEU's share only. 3. Except for item 2 above, if E17.1 is NA or DK and it appears that E18, E20, E23 and E24 are only the PEU's share, then NA E18, E20, E23 and E24 and put this on the Problem Sheet. E25 If E25 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22a. E33 Edit the Type of Institution at E33 as per GENERAL INSTRUCTION 21. E34.1 Gross Income from Property E36.7 E37.6 1. If there is any clear indication at E34.1, E36.7 or E37.6 that the income amount given is "net" (see definition in Quick Reference Guide) instead of "gross", NA the amount and write the details on the Problem Sheet. 2. If Income was received from the property other than RENTAL income (such as parking fees, etc.) include them in the total. Total income from the property is wanted here, despite the wording ("renting out") of the questions at E36.6 and E37.5. SECTION F: BUSINESSES F1, F2 Check D1; if "R LIVES ON A RANCH AND FARM" is checked AND D3 is checked "YES", then box "R OR R"S FAMILY OPERATE FARM/RANCH BUSINESS ON THEIR PROPERTY" should be checked at F1 and there should be at least one business at F2 connected to the farm or ranch. If not, bring the Interview to the Editing Supervisor. F2, F4.1, Edit the number entered in "# BUSINESSES" at F4.1 to be F5 consistent with the number entered in the control box at F5. If R reports a business that is double-counted at N35 as publicly-traded stock, remove the business from Section F. F5 Edit the # OF BUSINESSES entered in the box at F5 to be consistent with the number recorded in Columns #1-#3 and F19.1-F19.3 of the grid. F6 If more than one box is checked or marginal notes are inconsistent with the box checked at F6, edit the boxes to one choice to indicate how the PEU originally acquired the business. If necessary, edit the date at F8 to agree with the editing of F6. F9.4 If R reports that a business is a "limited partnership" at F9.4, it should be moved to F20-F24.6 (PASSIVE BUSINESSES), but only if it is clearly stated that they (the PEU) are "limited partners" and not general partners. If the limited partnership is moved to F20-F24.6, all the details of the business should be written on the Problem Sheet and, if it is the only business, F4 should be edited to "NO". F10, F10.1 CHECK FOR CURRENT COLLATERALIZED LOAN 1. If F10 has been marked YES, but the answer to F10.1 indicates that R does not currently have a personal loan (i.e., F10.1 is "nothing"), edit F10 to NO. F14, F15 Edit to include only PEU's share. F16, F17 If the net income reported in F17 exceeds the gross receipts reported in F16, leave the inconsistency unless there are explanatory notes which support reversing the figures at F16 & F17. If any explanatory information is available, write it on the Problem Sheet. F20.1, Check the number of other (non-actively managed) businesses F21.1-21.6 reported at F20.1. It should be equal to or greater than the number of types of businesses ("YES" boxes) checked for F21.1 - F21.6. See the Editing Supervisor if it is not. SECTION G: VEHICLES G2 Edit the # LEASED VEHICLES entered in the box at G2 to be consistent with the number recorded in Columns #1, #2 and G6.1 as per GENERAL INSTRUCTION 24. G3-G6.1 THE LEASED VEHICLE GRID 1. Move any vehicles which are leased by a business but used by the PEU for personal purposes to G24. These would include those leased by a business that the PEU has an interest in. If the vehicle is leased by a business but not used by PEU for personal purposes, then edit them out. 2. Edit out all leased motorhomes, travel trailers, motorcycles, snowmobiles, all-terrain vehicles as well as tractors and mowers from G3-G6.1 G7.1 Edit the # OWNED VEHICLES entered in the box at G7.1 to be consistent with the number recorded in Columns #1-#3 and G23.1- G23.4, as per GENERAL INSTRUCTION 24. G8-G23.4 THE OWNED VEHICLE GRID 1. Move any vehicles owned by a business (including any the PEU has an interest in) but used by the PEU for personal purposes to G24. If there are already vehicles at G24, and you are not sure whether the ones you are moving are already included there, leave them out and record all details on the Problem Sheet. Those owned by a business but not used for personal purposes should be edited out. 2. Edit out any vehicles: a. not in running order b. not licensed now nor planned for licensing in 1993 c. not yet purchased, or ordered but not yet received d. not owned by the PEU. 3. Check for double-counting of debt in Section I. If you find any, edit it out of Section I and leave it here. If it is a part of a larger debt in Section I, leave it in Section I and remove the debt from Section G. G8 Type of Vehicle 1. Move all motorhomes, travel trailers, motorcycles, snowmobiles, and all-terrain vehicles to G25.1-G39.4 and write the description of the vehicle on a Problem Sheet. 2. Edit tractors/mowers out. If they are for personal use and have debt, move debt to Section I. 3. Edit mobile homes to Section D and the mortgage grid if it is the current residence of the PEU or to the Section E Other Property Grid if it is not. DEFINITION G16 If G16 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22. G22 Edit the type of institution at G22 as per GENERAL INSTRUCTION 21. G23.1-G23.4 If there is more information about cars and the debt volunteered at G23.1-G23.4 than can be captured in the Q's, write it on the Problem Sheet. G24 Do not include vehicles leased by a business which the PEU uses regularly for personal purposes; write these on the Problem Sheet if found. G25.1 Edit the # (Other) VEHICLES box at G25.1 to be consistent with the number recorded in Columns #1, #2 and G39.1-G39.4 in the OTHER VEHICLE GRID as per GENERAL INSTRUCTION 24. G26-G39.4 THE OTHER VEHICLE GRID Edit as per the Car Grid, G8-G23.4, items 2a-d & 3 and G8, items 2 & 3. G32 If G32 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22. G38 Edit the type of institution at G38 as per GENERAL INSTRUCTION 21. G39.1-G39.4 If there is more information on the vehicles in G39.1-G39.4 volunteered than can be captured in the Q's, write it on the Problem Sheet. SECTION H: EDUCATION LOANS H2 Edit the # OF LOANS entered in the box at H2 to be consistent with the number recorded in Columns #1-#6 (including LOANS #4-#6 on the EXTRA LOANS PAGES), as well as the number of loans from the grid that were moved to N53.1, as per GENERAL INSTRUCTION 24. H3 If the loan was taken out in several parts over time, we want the date that the earliest part was taken out. H4 If the loan was taken out in several parts over time, we want the total of all the borrowing. H8 R may have started paying on a loan more than once and then had payments deferred because she returned to school. In such cases, take the most recent date that payments began. In cases where the R has stopped paying at some point for reasons other than an official deferral, we want the date that payments were last official scheduled to begin. H10 If H10 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22. H11 For regular installment loans where payments are not currently being made, edit H11 to '9995. No payment being made.' If they are behind or not paying the full payment amount, edit H11 to the amount they should pay and put the other information on a Problem Sheet. H11.1 For loans and debts on which payments are not being made, edit the "typical payment" to $"0" PER _____. H15 Edit the type of institution at H15 as per GENERAL INSTRUCTION 21. SECTION I: LOANS I1.1-1.4 1. In general, the number of loans recorded in I1.1-1.4 should sum to the number recorded in the box at I3, except when 2 or more smaller loans have been combined into one column to fit into the grid and are counted as only one loan there. In that case, I1.1- 1.4 will sum to the actual number of loans and the box at I3 will reflect the number after being combined. If you edit loans into or out of the grid you must change the numbers recorded in I1.1- 1.4, as well as the I3 control box. 2. If it should be necessary to distinguish between the categories of I1.1-1.4 assume 1.1 and 1.2 have high priority and 1.4 has low priority. I3 Edit the # OF LOANS entered in the box at I3 to be consistent with the number recorded in Columns #1-#6 (including LOANS #4-#6 on the EXTRA LOAN PAGES), as well as the number of loans from the grid that were moved to N53.1, as per GENERAL INSTRUCTION 24. I4-I15 THE (OTHER) LOAN GRID 1. EXCLUDE: a. Business or farm debt that the PEU is not personally liable for. If it is unclear whether the business/farm or the PEU is liable, check F10-F10b. If it is still unclear, leave it in and write it on the Problem Sheet. b. Past due bills, UNLESS: 1) a specific repayment arrangement has been made; or 2) the bill is more than 3 months past due; or 3) it amounts to $200 or more. c. Debts which R clearly has no intention of repaying. d. Credit card debt (this should be edited to Section B). e. Intra-PEU debt (i.e., owed by one PEU member to another PEU member). f. Education loans (these should be edited to Section H) 2. INCLUDE: a. Back taxes. b. Money borrowed from a pension plan. c. Medical debt (of $200 or more). d. Loans for home improvements which R listed here (unless it is double-counted at D55-D65.2, then it should be left there only). e. Defaulted co-signed notes: loans which a PEU member had co-signed for someone else and for which the PEU member now assumes the obligation. These must also be written on the Problem Sheet. f. Intra-HU debt: debt that a PEU member owes to an Independent Adult living in the HU. g. All other debts or loans owed by a member of the PEU listed by R in this section and not edited out or moved by any of the other instructions here, or found anywhere else in the interview and not excluded by any instructions here. I4 Code the purpose of the loan at I4 using the LOAN PURPOSE CODE. Code the first two mentions if more than one is given. If the purpose of a loan is investment in a business reported in Section F and the loans shows up at F10-F10.1, edit F10.2 to "YES" and note the appropriate loan in Section I at F10.3. I5 1. For REGULAR INSTALLMENT loans (I7=1), if marginal notes indicate that the date that the loan was taken out is different than when the payments started, edit I5 to the date the payments started. If it is known that the date is different, but it is not known the date they started, write it on the Problem Sheet. 2. If payments haven't started yet, but date is known when they will start, edit I5 to that date. I7 1. I7 should be edited to "REGULAR PAYMENTS" in all cases in which current regular monthly payments have been agreed upon, including overdue bills which the PEU has made "arrangements" for. 2. I7 should be edited to "OTHER KIND" for: a. loans not yet due or not yet being paid on; b. past due bills on which no "arrangements" have been made; c. loans for which the regular payments agreed on are not monthly (i.e., "twice a month," "quarterly"). NOTE: In these cases, payments, and the frequency of them, should be edited to I10. You will have to NA I11 & I12 UNLESS R volunteered them. I8 If I8 is answered in a fractional # of years, edit it as per GENERAL INSTRUCTION 22. I9 For regular installment loans where payments are not currently being made, edit I9 to '9995. No payment being made.' If they are behind or not paying the full payment amount, edit I9 to the amount they should pay and put other information on a Problem Sheet. I10 For loans and debts on which payments are not yet being made, edit the "typical payment" to $"0" PER ___. I13 If the current interest rate for medical bills owed to doctors, dentists and medical facilities is NA or DK, leave it NA/DK. I14 1. Edit the type of institution at I14 as per GENERAL INSTRUCTION 21. 2. For medical debts owed to doctors, hospitals or dentists, precode "22". I18 Edit the number of miles written in the blank to check boxes "LESS THAN A MILE" or "OVER 50 MILES" whenever appropriate. LOAN PURPOSE MASTER CODE Precode purpose of loan at D37, D53.4, D70 and I4 using this code. Precode up to 2 mentions in each location. HOME PURCHASE, ADDITION OR REPAIR OF CURRENT RESIDENCE 01. Own home purchase 03. Home improvement or addition (incl. assessments for sewer/ sidewalk, etc.) 04. Home repairs/maintenance/upkeep CAR/HOUSEHOLD DURABLE GOODS 10. Car 11. Refrigerator 12. Stove/Range; microwave oven 13. Dishwasher 14. Freezer 15. Air conditioner 16. Washing machine (incl. washer/dryer combination) 17. Dryer 18. Furniture (excluding pianos and organs--see 34); lamps; mattress and spring combinations; rug and/or carpet; other household furnishings 20. Vacuum cleaners 23. Home computer; calculator; computer terminal 24. Truck/jeep/utility vehicle 25. Combination of appliances (incl. TV); "appliances"--NA type 26. Combination of furniture + appliances 29. Other appliances or durable goods; sewing machine; typewriter SMALL/INDOOR HOBBY OR ENTERTAINMENT GOODS 31. Stereo; phonograph (may include radio); include sound equipment, amplifiers here; radio (AM or FM); tuner; CB equipment; tape recorder, tape player (cassette or reel-to- reel); CD player 34. Piano; organ 35. Musical instruments (excluding pianos and organs) 36. TV--color or black and white; "home entertainment center" (incl. combination TV, radio, phonograph); video cassette recorder/player (VCR); video camera (Cam-corder) 49. Other small/indoor hobby or entertainment items (incl. pool tables and regular cameras) 50. Power tools and yard equipment OUTDOOR HOBBY AND RECREATION GOODS 61. Boat; boating equipment (including trailer) 63. Motorcycles; bicycle; moped; snowmobiles; off-road vehicles 65. Camper-trailers; "RV"--NFS 67. Cottage; vacation property; mobile homes--seasonal residence (if current residence, code 01); "motorhome"; "second home" 69. Other outdoor recreation items; horse SAVINGS AND INVESTMENTS 71. Invest in Bus #1 (from Section F) 72. " " Bus #2 " " " 73. " " Bus #3 " " " 74. Invest in own business, other than 71-73 or NA which or all 78. Investment real estate (incl. cemetery plots and additions and repairs to investment property); farmland (exc. 71-74); include businesses of self-employed R's who don't report a business in the F section 79. Other investments SPECIAL EXPENSES 81. Travel/vacation expenses 82. Medical/dental expenses; attorney's fees 83. Education/school expenses 84. Tax and insurance expenses (exc. vehicle, code 93) 85. Weddings/funerals 88. Moving expenses 89. Other special expenses; encyclopedia; health membership MISCELLANEOUS PERSONAL NEEDS 90. "Personal loan"--NA what for 91. Bill consolidation; "bills" 92. Personal items, incl. clothing, jewelry 93. Vehicle repair/upkeep (incl. insurance) 94. Gifts; goods or gifts of money; "Christmas" 95. Living/general expenses 97. Other (incl. combinations) 98. DK 99. NA SECTION N: FINANCIAL ASSETS N1-N43.1 GENERAL SECTION N INSTRUCTIONS 1. Watch for accounts and assets that belong wholly or partly to a business or to persons not in the PEU. a. If they belong wholly to the business or person outside the HU, edit them out unless the business is a "sole proprietorship", in which case see the Editing Supervisor. b. If they belong to an INDEPENDENT ADULT, check to make sure they are included at Y37-Y38.3, and edit them out here. c. If they are owned jointly with the PEU, and it is not clear how to split them, leave them in, but NA the amount. Write these on the Problem Sheet. 2. Watch for margin notes or specific $ amounts reoccurring in different places which would indicate the double-counting of assets within Section N. Amounts double-counted in two different places in Section N should be left in the most specific type of account, unless otherwise instructed (e.g., if listed in a savings account and as an IRA--edit it out of the savings account and leave it in the IRA). 3. Assets from pension and profit sharing plans may be held in a variety of ways and could be double counted in both Section N and Section R. Check assets and accounts in this section against pension accounts for current jobs at R21, R32, R69 and R80 and against pension accounts from past jobs at R99.3 and R99.4. If double counting is found, edit it out of Section N and leave it in Section R, except for IRA's which may be left in the R99.2 - R99.7 future pension grid and the N11-N14 IRA grid if R99.7 is marked "YES, IRA/KEOGH". If assets are found in this Section N which are clearly labelled as being part of R's or S's current or future pension or profit-sharing plans and which are not double-counted in Section R see the Editing Supervisor. For SEP-IRAs, see Note 2 at N12. 4. Check for instances where a R has not known total figures because they did not know a component -- possibly because an account belongs to another FU member (for example, R may not know the amount of a daughter's U.S. Government bonds, but does know the amount of his/her own bonds). In these cases, NA the amount and write the known, given amount on the Problem Sheet, as well as noting there that there is also an unknown amount. 5. Edit out any accounts that were not set-up at the time of the first contact for the Interview. 6. Be sure that accounts which are jointly held by two people in the PEU are only counted once. 7. If margin notes anywhere in Section N, except at N41-N46, indicate that the assets listed are part of a CMA or FMA, take it to the Editing Supervisor. N3 Edit the # of Checking ACCOUNTS entered in the box at N3 to be consistent with the number recorded in Columns #1-#6 of the Checking Account Grid and N8 as per GENERAL INSTRUCTION 24. THE CHECKING ACCOUNT GRID N4 Edit the type of institution at N4 as per GENERAL INSTRUCTION 21. N6 Check all accounts checked "YES" at N6 against the money market grid at N17-N20 for double-counting. If any of them are clearly double- counted, edit them out of the checking account grid and leave them in the money market grid. NOTE: If that would edit all of the PEU checking accounts out, leave the first one listed in, and edit its counterpart out of the money market grid. NEVER edit the main checking account (account #1) out of the checking account grid. See the Editing Supervisor in such cases. N8 If more detail is given concerning the remaining checking accounts than is asked for at N8, enter it on the Problem Sheet. N10-N14 THE IRA, KEOGH ACCOUNT GRID 1. Watch particularly for double-counting here with pension plans as per instruction 3 at the beginning of this section. 2. However, if a SEP-IRA (Simplified Employee Pension) is listed here and is not double-counted in Section R, leave it in this grid and precode a "2" under the "IRA" box at N12. N11, N13 Edit the type of institution at N13 as per GENERAL INSTRUCTION 21 --"CHECK ALL THAT APPLY". N14.1 Be sure the correct skips are marked at the bottom of each column. (This grid is not filled in sequentially, but in order of who has an IRA/KEOGH account.) THE MONEY MARKET GRID N16.1 Edit the # OF MONEY MARKET ACCOUNTS entered in the box at N16.1 to agree with the number recorded in Columns #1-#3 and N21.1 as per GENERAL INSTRUCTION 24. N19 Edit the type of institution at N19 as per GENERAL INSTRUCTION 21. N21.1 If more detail is given concerning the remaining money market accounts than is asked for at N21.1, enter it on the Problem Sheet. N22-N22.5 CERTIFICATES OF DEPOSIT 1. Be particularly alert to double-counting with IRA's at N11- N14; edit them out of here if such double-counting is found. 2. Watch for double-counting also with Section R. See GENERAL SECTION N INSTRUCTIONS item 3 if you find any. N22.1, Edit the type of institution at N22.3 as per GENERAL INSTRUCTION 21--"CHECK ALL N22.3 THAT APPLY". N23.1 Edit the # of Savings ACCOUNTS entered in the box at N23.1 to agree with the number of savings accounts recorded in Columns #1-#5 and N26.1 as per GENERAL INSTRUCTIONS 24. N24-N26 THE SAVINGS ACCOUNT GRID 1. This grid is intended to pick up any other savings-type accounts that have not been included in earlier grids. Watch for double-counting with checking account, IRA, CD and Money Market grids; edit them out of here if found. Move any such assets to their proper grids if they are found clearly marked here and not there. 2. Include here passbook, statement savings and credit union share accounts, Christmas Clubs and all other savings accounts, as well as accounts at foreign banks, unions, AARP or other organizations, building and loan associations, and colleges. N24 Edit the type of institution at N24 as per GENERAL INSTRUCTION 21. N26.1 If more detail is given concerning the remaining savings accounts than is asked for at N26.1, enter it on the Problem Sheet. N28.1-N28.5 MUTUAL FUND GRID 1. Watch for double-counting of mutual funds with pension funds in Sections R as per instruction 3 for this section. 2. Check for double-counting of: a. STOCK FUNDS at N28.1 and stock at N37 & N39, and b. BOND FUNDS at N28.2-N28.4 and bonds at N31.1, N32.1 or N33.1-N33.4. If any are found, leave them here at N28.1-N28.4 and edit them out of the later section(s). N32 BONDS AND BILLS Check that the number entered in the # BONDS OR BILLS blank is not less than the number of boxes checked "YES" at N33.1-N33.4. N33.1- Watch for double-counting of bonds with pension funds in N33.4 Section R as per instruction 3 for this section. N37, N39 PUBLICLY TRADED STOCK 1. Watch for double-counting with pension or profit sharing funds in Section R as per instruction 3 for this section. 2. Check for consistency between N37 & N39.1 if N39 is "YES". a. N39.1 must be equal to or less than N37. b. If N36 is "1", then N37 and N39.1 must be the same. If either of the above is not true, see the Editing Supervisor. 3. If there is any indication that the amount of N39.1 includes stock in a business in Section F, see the Editing Supervisor. 4. Stock which is clearly not publicly traded and can be separated from publicly traded stock should be moved to N52-- "other assets." You should check Section F for double- counting. N40.1-N40.6 BROKERAGE ACCOUNTS If any significant extra detail (not codeable in N40.1-N40.6) regarding a brokerage account (such as the amount due on a margin account) is volunteered by R, add it to the Problem Sheet. N41-N46 TRUSTS, ANNUITIES, AND MANAGED INVESTMENT ACCOUNTS 1. Check the margin notes in this sequence for any indication that the assets recorded are double-counted in any of the accounts reported earlier in this section. If you find any, see the Editing Supervisor. 2. If R mentions a "limited time annuity" and any details are given in margin notes, add them to the Problem Sheet. N47-N50 LIFE INSURANCE Exclude life insurance policies whose beneficiary is a business in Section F. N48, N48.1 If "burial insurance" is mentioned at N48-N48.1, leave it. N49.5 If the loan is reported earlier in the interview, edit the loan out of the earlier location and change N49.5 to 3. If there is any ambiguity about the loan, see the Editing Supervisor. N51, N51.1 MONEY OWED TO THE PEU 1. Exclude: a. money owed to a PEU business; b. money owed to one PEU member by another PEU member c. money that R doesn't expect to be repaid, including "probably won't." 2. If at N51 a note says the PEU is owed money by a business in Section F, check F11-F11.1 to determine if it is included there: a. if it is, edit it out of here (N51-N51.1). b. if it is not, move it to F11-F11.1. c. if you are unsure about the double-counting, take it to the Editing Supervisor. 3. Money owed to the PEU by a business that has been sold should be left here. N52-N52.3 OTHER ASSETS 1. Move items that should be included in other sections to their appropriate place. If you have doubts concerning whether or not to move something, see the Editing Supervisor. a. Move any vehicles found here (including antique and valuable vehicles) to Section G. Assume that there is no debt on them unless there is contrary evidence. 2. Some items which should be included here: a. antique and valuable items and collections b. silver, gold, jewelry c. cash 3. Do not edit items out just because the value seems small. 4. Move any future inheritances or estates mentioned here to X9 and delete them from here. N53-N53.1 OTHER DEBTS 1. Edit out any debts which have been listed in other sections. 2. Move all bills of $200 or more whose purpose is clear to the Section I loan grid if they meet the qualifications there. 3. Debts for business purposes should be moved to the Section I loan grid if is clear that the PEU is personally liable. (A bankruptcy debt for an unincorporated business or debt on a business no longer in operation would be examples.) SECTION R: EMPLOYMENT OF RESPONDENT R1 1. Check that a two-digit occupation status code has been precoded in green next to the status boxes. If not, see an occupation coder or the Editing Supervisor. 2. If R mentions here that his/her work is 'volunteer' work, see the Editing Supervisor. R1.4 RETIREMENT DATE 1. If both "RETIRED" and "DISABLED" are checked at R1 AND two dates are given at R1.4, edit R1.4 to the date which is consistent with the green two-digit occupation status code. 2. If R has retired twice (2 dates are given), keep only the most recent date. Put the other date on a Problem Sheet. This will occur often with career military persons who go on to second careers. R2 CHECK SELF-EMPLOYMENT 1. If the "RUN MY OWN BUSINESS" box at R2 is checked, edit R2 to "SELF-EMPLOYED." 2. Make sure no self-employed persons followed the "SOMEONE ELSE" sequence. If they did, move the information in R3-R12 to the appropriate matching questions at R14-R13. R8 should be moved to R14.8 and R15 to R14.13. 3. If you are unsure whether you should consider someone "SELF- EMPLOYED," see the Editing Supervisor. NOTE: A person does not need to have a business listed in Section F to be self-employed. Not all self-employed people own businesses. R3, R4 MAIN OCCUPATION: R WORKS FOR SOMEONE ELSE 1. Check that there is a three-digit green precode to the left of R3 and R5. If either is missing, see an occupation coder or the Editing Supervisor. 2. If R's response to R3 and R4 seems to include two different jobs, one of them should have been moved to R's second job at R40-R44. Check in these cases to see that a second job is at R40-R44; if it is not, see an occupation coder or the Editing Supervisor. R7 EDIT WEEKS WORKED 1. Edit any non-week response to # of WEEKS normally worked, assuming 4.3 weeks to a month. 2. For teachers and other school personnel: a. Do not edit teachers or "school personnel" to 52 weeks worked, if the answer is less. b. Check that the salary reported at R8 is consistent with the # WEEKS R reported at R7. If not, edit the salary to an annual basis. 3. Note that Q reads "...in a normal year." If R answers that he/she hasn't worked for a full year yet and it is reasonably clear that the job is not seasonal, edit R7 to 52 weeks. R8 1. If the salary/wages are given "after taxes", NA R8 and record the details on the Problem Sheet. 2. If R says he/she isn't paid: a. If R does volunteer work (such as with United Way, church work, etc.), take it to the Editing Supervisor and put it on a Problem Sheet if R works more than 35 hrs/week. b. For those whose income is "paid in kind", include the value of the "in kind payment" in or as their wage (e.g., someone who manages an apartment building and receives their own rent free as their wage earns the value of their rent). c. Whenever the marginal notes or amounts for the above are unclear, write the information on the Problem Sheet. R14, R14.1 MAIN OCCUPATION: SELF-EMPLOYED 1. Check that the three digit occupation and industry codes are precoded to the left of R14 and R14.1. See an occupation coder or the Editing Supervisor if they are missing. 2. If R's response to R14 and R14.1 seems to be two different jobs, edit as per instruction 2 for R3, R4. R14.6 Edit R14.6 as per instructions for R7. R14.7- Edit R14.7-R14.10 using all information available. If it is not clear which box should be R14.10 checked, see the Editing Supervisor. R14.8 or For those who work in a family business or farm without wages, edit R14.10 to '0' per 'WK'. R14.10 R17.1 IF RECEIVING BENEFITS 1. If R17.1 is "YES", check R97.3 to verify that "CURR JOB PENS" is checked, for at least one column, for this R. (NOTE: RECIPIENT is found checked at the top of the column). 2. If R17.1 is "NO", check that the # PLANS entered in R17 agrees exactly with the # OF PLANS entered in the box at R18. If they do not, see the Editing Supervisor. R17.2 If R17.2 is "YES", check that the # PLANS--NOT YET RECEIVING BENEFITS at R17.3 agrees exactly with the # OF PLANS entered in the box at R18. If they do not, see the Editing Supervisor. R18 Edit the # OF Pension or Retirement PLANS entered in the box at R18 to be consistent with the number of plans recorded in Columns #1-#3 and R39-R39.1 as per GENERAL INSTRUCTION 24. R21 Double-check that amounts at R21 are not double-counted in Section N. If they are, edit them out of Section N. R23 If "Employer Contributions" are mentioned, write this on the Problem Sheet. R26 If more than one box is checked, priority code the lowest number and the benefit amount at R26.1, consistently if possible. R30.1, R31.1 Check these questions for complex responses (e.g., "match 2% and then 1/2 of next 4%). If you find one, take it to the Editing Supervisor and put it on the Problem Sheet. R32 Double-check N14, N20, N25 and N28.1-N28.5 to make sure the amounts mentioned here at R32 are not double-counted there. If they are, edit them out of the location in Section N and leave them here in Section R. R36 Check for write-in responses at R36. 1. If "I wouldn't get anything until I retire," check the "OTHER" box and NA the "PERCENT" at R36.1. 2. If "It would roll over into another account," check the "NONE" box, unless marginal notes indicate this is not true. R39.1 If anything is entered in R39.1, enter it on the Problem Sheet. R41-R43 If it is necessary to edit in R's second job at R40-R40.2 and it is clear that R has already included all of his HOURS, WEEKS and INCOME for this job in R6-R8 with his main job and it is unclear how to separate them you should leave them in R6-R8 and code R41-R43 "0", unless the job being edited in is Military Reserve or National Guard. In that case, see R41, R42 below. R41, R42 If R's second job is the Military Reserve or the National Guard and R41 (# HOURS) and R42 (# WEEKS) are NA or DK, assume 20 hours per week for 13 weeks. R43 EDIT SECOND JOB EARNINGS 1. Edit any dollars per hour responses at R43 to dollars per week using the hours given at R41. 2. Edit other responses to R43 as per R8. 3. In addition, edit the following cases to $"0" per week if their earnings are NA: a. Wives who work on the family farm or in the family business but who haven't reported it as their main job and report no second job. (For wives who do report it as a job, but without pay--see note 4b at R8.) b. Those cases specified for R41-R43 above. WORK HISTORY--FULL TIME NOW R45.4 & Check that three-digit OCC and IND codes have been precoded to the left of R45.4 and R45.5. R45.5 R45.6 & 1. Edit "YEARS AGO" to "19___" by subtracting the number of "years ago" given from R45.7 the year of the Interview. 2. If there was a break in service between the 'START' date at R45.6 and the 'STOP' date at R45.7, write the break details on the Problem Sheet. R45.11, 1. If R answers with a range, edit it to the midpoint and record the range on a Problem R45.13 Sheet. 2. The intention of the question is to find when R plans to stop working full-time for good. If R answers that he/she plans to stop, but then start again at a later date, NA the response or edit it to the data consistent with the intent of the question, if that is known. WORK HISTORY--PART TIME NOW R46.4 Edit "# YEARS AGO" to "19___" as per instructions for R45.6 and 45.7. R46.8 & Check that three-digit OCC and IND codes have been precoded to the left of R46.8 AND R46.9. R46.9. R46.10 & Edit "# YEARS AGO" to "19___" as per instructions for R45.6 and R45.7. R46.11 WORK HISTORY--NOT WORKING NOW R47.7 & Check that three-digit OCC and IND codes have been precoded to the left of R47.7 and 47.8. R47.8 R47.15 - 1. Edit "AT AGE" to "IN ___ YEARS" as per instructions for R45.13 R47.14 and R45.16. R47.15 - 2. If R answers with a range, edit it to the midpoint and record the range on a Problem R47.19 Sheet. R49 CHECK FOR CONSISTENCY BETWEEN R49 AND HHL BOX 1. If R49 is checked "R. IS MARRIED/LIVING WITH PARTNER" then: a. R should have "M" or "P" circled in column D of the b. The SPOUSE SECTION should be completed. c. If the SPOUSE SECTION is blank, see the Editing Supervisor. 2. If R49 is checked "ALL OTHERS" then R will not have "M" or "P" circled box nor should a SPOUSE SECTION be included with the Interview. a. If a SPOUSE SECTION is complete in this case, see the Editing Supervisor and then print "DO NOT CODE" in large letters across the cover of the booklet. R49-R95.2 Edit the SPOUSE SECTION as per R1-R47.19 above. All Q #s in the SPOUSE SECTION correspond to the Qs in the R Section. R96.4-R96.6 SOCIAL SECURITY PAYMENTS 1. Edit out all non-Social Security payments; if in doubt, see the Editing Supervisor. 2. Edit out SSI payments (Supplemental Security Income) and if it was received in 1992, check T1.11 & T2.11 to make sure it is included there. 3. Edit out all Social Security benefits for anyone except the Respondent and the Spouse/Partner (however, make sure they are included at T2.12 before you do). 4. "SURVIVORS BENEFITS": a. if they are for a widowed person 62 or over, leave them here and edit R96.4. "RETIRE"; b. Otherwise, leave as it is. 5. If Social Security benefits for minor HH children are being received (e.g., disability), include the amount with the payment of the adult who is receiving them. R96.4 If both "RETIRE" and "DISAB" are checked, and there are no notes to explain why: 1. If the person is 62 years old or older, edit to "RETIRE". 2. If under 62, edit to "DISAB". R96.5 Edit "SINCE" to "# YEARS" for both columns as per instructions at R10. R96.6 1. Check that R96.6 (S.S. benefits being received) is not double- counted at R97.5 (other benefits being received) or at R97.7 (benefits expected to be received in the future). If any are, edit them out of the inappropriate place. NOTE: Benefits for which no payment has yet been received are expected benefits. 2. If a single amount is given for both R & S, and is based all or mostly on the earnings of one individual, split the amount and allocate 2/3 to the primary wage earner and 1/3 to the other person. R97.1 1. Edit the # PENSIONS/DISABILITY PAYMENTS entered in the box at R97.1 to agree with the number recorded in columns 1-6 (FIRST BENEFIT-SIXTH BENEFIT) as per GENERAL INSTRUCTION 24. R97.3 If "CURR JOB PENS" is checked in any column, after ascertaining the RECIPIENT from the top of the column: 1. Check the Recipient's job status at R1-R6 or R49-R55 to verify they have a current job. 2. Check R17.1 or R63 to verify that they reported that they are receiving benefits from it. 3. If information is inconsistent, see the Editing Supervisor. 4. Delete SSI if reported here. If it was received in 1992, check T1.11 and T2.11 to make sure it is included there. R98.1 Edit the # CASH SETTLEMENTS entered in the box at R98.1 to be consistent with the number recorded in Rows #1-#5. R98.2-R98.4 CASH SETTLEMENT GRID Cash settlements may match assets reported elsewhere, especially in Section N. Leave any double reporting, since the question is concerned only with the source of the asset. SECTION T: INCOME T1-T7.8 GENERAL SECTION INSTRUCTIONS 1. Section T should contain the 1991 income of all of the current PEU, i.e., the PEU members who are included in the HHL box. This may be a problem for recently married, divorced, or separated Rs. Edit out any income clearly not belonging to the current PEU and bring to the Editing Supervisor any unclear cases or cases where 1991 income of a current PEU member has been left out. NOTE: If a deceased spouse was in the Household during 1991, include his/her income. 2. If income of a financially independent household member is reported in Section T, it should be moved to Section Y, if it is not already included there. 3. Do not force consistency between this section (T) and any of the other sections of the Interview unless specifically directed to by these instructions or unless important 1991 income information will not be reported anywhere else in the Interview. Thus, for example, if R reports an income amount at E34.1 (where income from property is asked for), but does not report any income at T1.7, you should not change T1.7. However, if R mentions an income component in a margin note somewhere in the Interview which will not be coded anywhere else, edit it in to T2.1-T2.12 if it is not there. In all cases, check with the Editing Supervisor before editing any income into the T section. T1.1-T1.12 & Check consistency between T1 and T2 for income T2.1-T2.12 components 1-12. 1. If T1 is checked "NO" or left blank and an amount is entered in T2, edit T1 to "YES", unless it is clear that the Interviewer checked the wrong box or entered the amount in the wrong place. 2. If T1 is checked "YES" but T2 is left blank, NA T2, unless there is some indication what the amount should be (e.g., "I already told you that"). 3. Otherwise, the boxes at T1 should not be changed, unless specifically directed to by these instructions or the Editing Supervisor, even if T1 is checked "NO" but you know from evidence in other sections of the Interview that the PEU had income from this source (e.g., an amount is reported at E34.1 but T1.7 is checked "NO"). 4. Losses are only expected to appear at T2.2, T2.6, T2.7, and T2.11. Mark all losses clearly with parentheses. If losses are reported at any other location, see the Editing Supervisor. T2.1-T2.12 1991 INCOME COMPONENTS Edit all non-yearly amounts in T2.1-T2.12 to annual amounts for 1991. Use all information given in margin notes and, in the absence of other evidence, assume 12 months, 52 weeks and 26 bi-weekly periods in a year and 4.3 weeks in a month. T2.3 This should include income from tax-free bonds/mutual funds/money market funds. If these are reported elsewhere in T2.1-T2.12, move them here to T2.3, but only if clearly specified as 'tax-free'. T2.10 If R's housing is partially or fully subsidized by a governmental unit (learned from the TN or marginal notes), check T1.10 "YES" and write in 'SUBSIDIZED RENT'. Enter the amount at T2.10 if it is known, NA if it is not. If the rent subsidy is included in the amount given at T2.10, move it to T1.12 if the amount is known. If it can't be separated, code T2.10 as given and record on the Problem Sheet that Subsidized Rent is included. T2.12 1. Move items listed at T2.12 that belong in T2.1-T2.11 to their proper location. Move the types below to the locations noted: TYPE OF INCOME MOVE TO: Net gain from sale of business............................T2.6 Child care income.........................................T2.1 U.S. Army VAQ (HOUSING ALLOWANCE) pay.....................T2.1 Jury duty pay.............................................T2.1 Corporate Board of Directors fees.........................T2.1 Deferred compensation (from a job)........................T2.1 2. Edit out: Tax refunds Student Loans Employer contributions to Pension Plans 3. Leave in T1.12: Money from relatives IRA withdrawals T3 Do not edit T3 for consistency with its components. In general, T3 should not be edited at all (i.e., it should be kept as independent as possible from T2.1-T2.12) EXCEPT: 1. If T3 is missing (i.e., left blank), edit NA into the blank. 2. If R volunteers information in marginal notes at T3 which is a codeable response or which must be added or subtracted from the response given, you should edit it in. E.g., "$25,000" (at T3) "and the commission I mentioned before" (volunteered). Otherwise, you should leave any codeable response at T3 unedited. a. If R volunteers "just add it up", then just add it up (i.e., sum T2.1-T2.12). 3. As indicated at T4-T4.6 below. T4-T4.6 If, in the process of responding to T4-T4.6, R volunteers a codeable response for T3 (e.g., at T4.6 R states "more like $150,000" or T4.2 R volunteers "$24,000"), you should move the response to T3 and edit out the DK/REF box checked there. T6 1. DO NOT edit out gifts or presents to others (including to relatives and friends). Thus, you would not edit out "Christmas present to mother" and "We gave brother $2000 for his birthday". 2. Edit charitable contributions to other than relatives and friends to X10.1. Thus, "sent $40 per month to an orphan child in Mexico" should be moved to X10.1. 3. Also, edit out loans which it is clear are expected to be repaid. T7 For R's recently divorced or separated, and not living with their spouse, check T7.1-7.4 to make sure they are edited as follows: 1. T7.1 must be checked "ALL OTHERS". 2. T7.4 should be only the AGI of the current PEU. If it includes the income of the separated/divorced spouse, or may include it, leave T7.4 as is but write it on the Problem Sheet. 3. If there is any indication that R and the divorced/separated spouse filed their 1991 taxes jointly (i.e., box is checked or marginal note says so), put this information on a Problem Sheet. SECTION X: CHARITY AND INTER-FAMILY TRANSFERS X1-X8 Assets mentioned in Section X may match amounts listed in Section N or other places in the I'w. Leave the double counting, since this section is concerned with the source of the asset. We want all of the assets reported as inherited in Sections D, E, and F to appear here as well. X2 Edit the # OF INHERITANCES, TRUSTS, OTHER TRANSFERS entered in the box at X2 to be consistent with the number recorded in Columns #1-#3 and X8 as per GENERAL INSTRUCTION 24. X5 If more than one date is given at X5, indicating more than one inheritance from the same source, leave the earliest and move the other(s) to the next columns, if they are available. If there are no empty column(s) to edit them to, move them to the mop-up Q at X8. X10 If R volunteered time (not money or property) and gave charitable contributions in that way, edit it out. SECTION Y: RESPONDENT DEMOGRAPHICS GENERAL INSTRUCTIONS ON DEMOGRAPHICS Y7-Y23.2 Edit these questions to agree with other information in the Interview and in the HHL box. See the Editing Supervisor if you are unsure. Y5 If R mentions "children" in the Interview but none are in the HHL box and "NONE" is checked at Y5, see the Editing Supervisor. Y7 Check the CHECKPOINT at Y7 for accuracy and make sure the appropriate sequence has been followed. Y8.5 For separated Rs: This question should be consistent with the information reported in other sections. If R reports, for example, assets are mostly 'OWNED BY R', edit all sections to reflect only the R's assets, debts, and income. If they are 'OWNED JOINTLY', make the sections consistent with this response. If you have reason to believe the data do not reflect what the R reported in Y8.5, take the interview to the Editing Supervisor. Y16 Check the CHECKPOINT at Y16 to agree with the HHL box and to make sure the appropriate sequence was followed. Y25 Check the CHECKPOINT at Y25 to agree with the HHL box and to make sure the appropriate sequence has been followed. Y33 Check the CHECKPOINT at Y33 to agree with the HHL box and to make sure the appropriate sequence has been followed. Y34.2 1. If Y34.2 is checked "YES", edit the amount reported at Y34.1 out of T2.1-T2.12 and T3. Then edit this question (Y34.2) from "YES" to "3" to indicate that the information was double-counted but is now corrected. 2. If it is unclear where or whether the amount at Y34.3 is double- counted, see the Editing Supervisor and put the information on the Problem Sheet. If the amount is not moved out of the income section, leave Y34.2 marked "YES". Pg. 56, Y35.3: Copy question at Y34.2 with necessary changes Y36.2 If Y36.2 is checked "YES", check the vehicle grids at G8-G23.4 and G2.2-G39.1 and see if you can determine with assurance which of the vehicles there is the one whose value is specified at Y36.1. If you can, edit that vehicle out of the G section and edit this Q as per Y34.2, item 1. If it is not clear which vehicle is specified, then do nothing and leave Y34.2 checked "YES". Y37.2 If Y37.2 is checked "YES" edit the amount reported at Y37.1 out of: ACCOUNT LOCATION PAGE # N5 & N8 74, 75 N14 77 N20 & N22.1 78, 79 N22.2 79 N25 & N26.1 80, 81 N31.1 83 and edit Y37.2 as per instruction for Y34.2, item 1. If it is clear that the amount at Y37.1 is only part of the amount in the account (i.e., it is a joint account with a PEU member), edit out only the amount specified. If, however, the amount is the whole account, then edit the account out, remembering to adjust the # of accounts at that location. Y38.2 If Y38.3 is checked "YES", edit the amount reported at Y38.2 (except for the amount which is reported at Y39.2, if yes at Y38.1 is checked) out of the following locations depending on which boxes are checked at Y38.1: Edit Y38.3 as per instructions for Y34.2 (unless 01 is circled at Y38.1 in which case you should leave Y38.1 "YES"). Y39 Check the CHECKPOINT at Y39 to agree with Y38.1 and to make sure the appropriate sequence has been followed. Y39.1 If the house is owned only by people actually living there, this should be the percent no owned by the PEU. If the house is owned in part by people who do not live there, this figure should be the percent of the part of the house owned by the PEU and the people with independent finances. Y39.2-Y39.3 Be sure that the dollar figures reported here are the total for all people living in the HU, not just the share belonging to the people with independent finances. If the PEU owns any part of the house or is responsible for any of the mortgage, the share of the PEU should show up in Section D Y42-Y43 CHECK FOR ACCURACY OF THESE CHECKPOINTS If R is covered by a pension on a current job, 1 at Y42 should be circled; if S is covered by a pension on a current job, 2 at Y43 should be circled. If either of these are not consistent, bring to the Editing Supervisor. SECTION ZZ: OBSERVATION ZZ2 CHECK TYPE OF STRUCTURE There should be just one box checked at ZZ2. If more than one is checked, edit out all but one. You can probably determine which is right by checking Section D. If not, see Editing Supervisor. *********************************************************************** *********************************************************************** *********************************************************************** *********************************************************************** MISC. RECODED VARIABLES *********************************************************************** *********************************************************************** X. VEHICLES 8346 place holder for imputed value of x2103 8347 place holder for imputed value of x2110 8348 place holder for imputed value of x2204 8349 place holder for imputed value of x2304 8350 place holder for imputed value of x2404 XIII. FINANCIAL ASSETS 4016 n50.face val oth life in 8174 intrm var - original value of 4006 4019 n52.if other assets 8173 number of other assets (N52) --------------------------------------------------------------------------- --------------------------------------------------------------------------- List of variables included on the public-use tape --------------------------------------------------------------------------- --------------------------------------------------------------------------- J14 J19 J100 J101 J102 J103 J104 J105 J106 J107 J108 J109 J110 J111 J112 J113 J114 J115 J116 J117 J118 J119 J120 J121 J122 J123 J124 J125 J126 J127 J128 J129 J130 J131 J132 J133 J134 J135 J136 J137 J202 J203 J204 J205 J206 J207 J208 J209 J210 J211 J212 J213 J214 J215 J216 J217 J218 J219 J220 J221 J222 J223 J224 J225 J226 J227 J228 J229 J230 J231 J301 J302 J303 J304 J305 J306 J308 J309 J310 J312 J313 J314 J316 J317 J318 J320 J321 J322 J324 J325 J326 J328 J329 J330 J401 J402 J403 J404 J405 J406 J407 J408 J409 J410 J411 J412 J413 J414 J415 J416 J417 J418 J419 J420 J421 J422 J423 J424 J425 J426 J427 J428 J429 J430 J431 J432 J501 J502 J503 J504 J505 J506 J507 J508 J509 J510 J511 J513 J514 J516 J517 J518 J519 J520 J521 J522 J523 J526 J601 J602 J603 J604 J606 J607 J608 J609 J611 J612 J613 J614 J616 J617 J618 J619 J620 J622 J623 J624 J626 J627 J628 J630 J631 J632 J634 J635 J636 J701 J702 J703 J704 J705 J707 J708 J709 J710 J711 J713 J714 J715 J716 J717 J718 J720 J721 J722 J723 J724 J725 J726 J727 J802 J803 J804 J805 J806 J807 J808 J809 J810 J811 J812 J813 J814 J815 J816 J817 J819 J820 J821 J822 J823 J824 J825 J826 J827 J828 J829 J830 J902 J903 J904 J905 J906 J907 J908 J909 J911 J912 J913 J914 J915 J916 J917 J918 J920 J931 J1002 J1004 J1005 J1006 J1007 J1008 J1009 J1011 J1012 J1013 J1014 J1015 J1016 J1017 J1018 J1020 J1032 J1034 J1035 J1036 J1037 J1038 J1039 J1040 J1041 J1043 J1044 J1045 J1046 J1101 J1102 J1103 J1104 J1105 J1106 J1108 J1109 J1110 J1111 J1112 J1114 J1115 J1116 J1117 J1119 J1120 J1121 J1122 J1123 J1125 J1126 J1127 J1128 J1130 J1131 J1132 J1133 J1134 J1136 J1201 J1202 J1203 J1205 J1206 J1207 J1208 J1209 J1210 J1211 J1212 J1214 J1215 J1216 J1217 J1218 J1219 J1220 J1221 J1223 J1224 J1225 J1401 J1402 J1403 J1404 J1405 J1407 J1408 J1409 J1410 J1411 J1412 J1413 J1414 J1415 J1416 J1417 J1504 J1505 J1507 J1508 J1509 J1510 J1511 J1512 J1513 J1514 J1515 J1516 J1517 J1604 J1605 J1607 J1608 J1609 J1610 J1611 J1612 J1613 J1614 J1615 J1616 J1617 J1619 J1620 J1621 J1700 J1701 J1703 J1704 J1705 J1706 J1708 J1709 J1710 J1711 J1713 J1714 J1715 J1716 J1717 J1718 J1719 J1720 J1721 J1722 J1723 J1724 J1725 J1726 J1727 J1728 J1729 J1730 J1803 J1804 J1805 J1806 J1808 J1809 J1810 J1811 J1813 J1814 J1815 J1816 J1817 J1818 J1819 J1820 J1821 J1822 J1823 J1824 J1825 J1826 J1827 J1828 J1829 J1830 J1903 J1904 J1905 J1906 J1908 J1909 J1910 J1911 J1913 J1914 J1915 J1916 J1917 J1918 J1919 J1920 J1921 J1922 J1923 J1924 J1925 J1926 J1927 J1928 J1929 J1930 J2001 J2002 J2003 J2004 J2005 J2006 J2007 J2008 J2009 J2010 J2011 J2012 J2013 J2014 J2015 J2016 J2017 J2018 J2019 J2020 J2101 J2102 J2104 J2105 J2106 J2107 J2108 J2111 J2112 J2113 J2114 J2115 J2117 J2118 J2201 J2202 J2203 J2205 J2206 J2208 J2209 J2210 J2211 J2212 J2213 J2214 J2215 J2217 J2218 J2219 J2220 J2303 J2305 J2306 J2308 J2309 J2310 J2311 J2312 J2313 J2314 J2315 J2317 J2318 J2319 J2320 J2403 J2405 J2406 J2408 J2409 J2410 J2411 J2412 J2413 J2414 J2415 J2417 J2418 J2419 J2420 J2422 J2423 J2424 J2425 J2426 J2501 J2502 J2503 J2504 J2505 J2506 J2507 J2509 J2510 J2511 J2512 J2513 J2514 J2515 J2516 J2518 J2519 J2520 J2521 J2605 J2606 J2607 J2609 J2610 J2611 J2612 J2613 J2614 J2615 J2616 J2618 J2619 J2620 J2621 J2623 J2624 J2625 J2626 J2627 J2709 J2710 J2713 J2714 J2715 J2716 J2717 J2718 J2719 J2720 J2722 J2723 J2724 J2725 J2727 J2730 J2731 J2732 J2733 J2734 J2735 J2736 J2737 J2739 J2740 J2741 J2742 J2810 J2813 J2814 J2815 J2816 J2817 J2818 J2819 J2820 J2822 J2823 J2824 J2825 J2827 J2830 J2831 J2832 J2833 J2834 J2835 J2836 J2837 J2839 J2840 J2841 J2842 J2910 J2913 J2914 J2915 J2916 J2917 J2918 J2919 J2920 J2922 J2923 J2924 J2925 J2927 J2930 J2931 J2932 J2933 J2934 J2935 J2936 J2937 J2939 J2940 J2941 J2942 J3001 J3002 J3003 J3004 J3005 J3006 J3007 J3008 J3009 J3010 J3011 J3012 J3013 J3014 J3015 J3016 J3017 J3018 J3019 J3020 J3023 J3024 J3101 J3103 J3104 J3105 J3107 J3108 J3110 J3111 J3113 J3114 J3115 J3116 J3117 J3118 J3119 J3120 J3121 J3122 J3123 J3124 J3125 J3126 J3127 J3128 J3129 J3130 J3131 J3132 J3207 J3208 J3210 J3211 J3213 J3214 J3215 J3216 J3217 J3218 J3219 J3220 J3221 J3222 J3223 J3224 J3225 J3226 J3227 J3228 J3229 J3230 J3231 J3232 J3307 J3308 J3310 J3311 J3313 J3314 J3315 J3316 J3317 J3318 J3319 J3320 J3321 J3322 J3323 J3324 J3325 J3326 J3327 J3328 J3329 J3330 J3331 J3332 J3335 J3336 J3337 J3401 J3402 J3407 J3408 J3409 J3410 J3411 J3412 J3413 J3414 J3415 J3416 J3417 J3418 J3419 J3420 J3421 J3422 J3423 J3424 J3425 J3426 J3427 J3428 J3429 J3430 J3501 J3502 J3503 J3504 J3505 J3506 J3507 J3509 J3510 J3511 J3513 J3514 J3515 J3517 J3518 J3519 J3521 J3522 J3523 J3525 J3526 J3527 J3529 J3530 J3531 J3601 J3602 J3603 J3604 J3605 J3606 J3607 J3608 J3609 J3610 J3612 J3613 J3614 J3615 J3616 J3617 J3618 J3619 J3620 J3622 J3623 J3624 J3625 J3626 J3627 J3628 J3629 J3630 J3631 J3701 J3702 J3703 J3704 J3705 J3706 J3708 J3709 J3710 J3711 J3713 J3714 J3715 J3716 J3718 J3719 J3720 J3721 J3722 J3723 J3724 J3725 J3801 J3802 J3803 J3804 J3806 J3807 J3809 J3810 J3812 J3813 J3815 J3816 J3818 J3819 J3820 J3821 J3822 J3823 J3824 J3825 J3826 J3827 J3828 J3829 J3830 J3831 J3832 J3833 J3834 J3835 J3901 J3902 J3903 J3904 J3905 J3906 J3907 J3908 J3909 J3910 J3913 J3914 J3915 J3916 J3917 J3918 J3919 J3920 J3921 J3922 J3923 J3924 J3925 J3926 J3927 J3928 J3929 J3930 J3931 J3932 J3933 J3934 J3935 J3936 J3937 J3938 J3939 J3940 J3942 J3943 J3944 J3945 J3946 J3947 J4001 J4002 J4003 J4004 J4005 J4006 J4007 J4008 J4009 J4010 J4011 J4012 J4013 J4014 J4015 J4017 J4018 J4019 J4020 J4022 J4024 J4026 J4028 J4030 J4031 J4032 J4100 J4101 J4103 J4104 J4105 J4106 J4110 J4111 J4112 J4113 J4114 J4115 J4116 J4117 J4125 J4127 J4131 J4132 J4135 J4136 J4137 J4138 J4139 J4140 J4141 J4201 J4202 J4203 J4204 J4205 J4206 J4207 J4208 J4209 J4210 J4211 J4212 J4213 J4214 J4216 J4217 J4218 J4219 J4220 J4221 J4222 J4223 J4224 J4225 J4226 J4227 J4228 J4229 J4230 J4231 J4232 J4233 J4234 J4302 J4303 J4304 J4305 J4306 J4307 J4308 J4309 J4310 J4311 J4312 J4313 J4314 J4316 J4317 J4318 J4319 J4320 J4321 J4322 J4323 J4324 J4325 J4326 J4327 J4328 J4329 J4330 J4331 J4332 J4333 J4334 J4402 J4403 J4404 J4405 J4406 J4407 J4408 J4409 J4410 J4411 J4412 J4413 J4414 J4416 J4417 J4418 J4419 J4420 J4421 J4422 J4423 J4424 J4425 J4426 J4427 J4428 J4429 J4430 J4431 J4432 J4433 J4434 J4436 J4437 J4501 J4502 J4503 J4504 J4505 J4507 J4508 J4509 J4510 J4511 J4512 J4513 J4514 J4515 J4518 J4519 J4520 J4521 J4522 J4523 J4524 J4525 J4526 J4527 J4528 J4529 J4531 J4532 J4533 J4534 J4535 J4538 J4539 J4540 J4541 J4542 J4543 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