youyour familyyouyou and your family living hereHave you included all your accounts?Have you included the accounts for all the people in your family living here?you do theyou and your family do theyouyou or your family living hereyouyou and your familyyourselfyourselvesDo youDoes your familydo youdoes your familyyouyou or someone in your family living hereyouryour family'syouyou or any of your family living hereyou don't havenot everyone living here hasyou are notnot everyone living here isyouyou or anyone in your family living hereyouanyoneDo youDoes anyone in your family living hereyouyou or any adult in your family living herehave youhas someone in your family living hereyouyou personallyyou doyour family doesyouyour family living hereyouyou or someone in your family hereyou don'tyour family doesn'tyouyou and others in your family living herein your name or something else?held jointly, or is it in your name_fill_t_1youyou or anyone else_fill_t_2youryour family'syour totalyour total familyyouryour and your familyyouyou and your familyRetirementYesNohusbandwifespousepartnerhusbandwifespousepartnerand your husbandand your wifeand your spouseand your partnerand your husband'sand your wife'sand your spouse'sand your partner'sor your husbandor your wifeor your spouseor your partnerhusbandwifespousepartnerand your husbandand your wifeand your spouseand your partnerand your husband'sand your wife'sand your spouse'sand your partner'sor your husbandor your wifeor your spouseor your partnerREFUSED/DON'T KNOW NOT ALLOWED HEREDUPLICATE ANSWERZERO NOT ALLOWED HERECORRECT PREVIOUS RESPONSERespondent IDPRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007 Month of IWPRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007 Day of IWPRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007 Year of IWPRELOADED VARIABLE. FOR TESTING ONLY, ENTER: R's legal marital status in 2007 1. *MARRIED 3. *SEPARATED 4. *DIVORCED 5. *WIDOWED 6. *NEVER MARRIEDPRELOADED VARIABLE. FOR TESTING ONLY, ENTER: Spouse's/Partner's legal marital status in 2007 1. *MARRIED 3. *SEPARATED 4. *DIVORCED 5. *WIDOWED 6. *NEVER MARRIEDPRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007: live on farm 1 YES 5 NOPRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007: live in mobile home 1 YES 5 NOPRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007: do not live on farm/mobile home 1 YES 5 NOPRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007: legal ownership farm/ranch 1. *Owns all 2. *Owns only part 4. *Owned by a business 0. inapplicablePRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007: ownership status mobile home 1. *Own both home and site 2. *Own only site 3. *Own only home 4. *Rent both -7. *Neither own nor rent 0. inapplicablePRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007: ownership status all others 1. *Owns or is buying/land contract 2. *Pays rent 3. *Condo 4. *Co-op 5. *Townhouse Association 6. *Retirement Lifetime Tenancy 8. *OWN ONLY PART -7. *Neither owns nor rents 0. inapplicablePRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007: month moved into homePRELOADED VARIABLE. FOR TESTING ONLY, ENTER: 2007: year moved into homePRELOADED VARIABLE. FOR TESTING ONLY, ENTER: have an actively managed business at time of 2007 interview 1 YES 5 NOPlease choose your font size.Default14161820{type}: {count} {num}Interview begin dateInterview begin timeFOR TESTING ONLY: <br/><br/>Date:{#Q1673}CURRENT MONTHcurrent dayCURRENT YEARLAST YEAR -- YEAR MINUS 1NEXT YEAR -- YEAR PLUS 1FOR TESTING ONLY: <br/><br/>Date:{#Q1673}<br/>MONTH: {#Q4}<br/>YEAR: {#Q5}<br/>Last YEAR:{#Q55}<br/>Next YEAR:{#Q1733}ENTER THE MONTH AND YEAR OF THE 2007 INTERVIEW-THIS WILL BE A PRELOAD<span class="INTVR">INTERVIEWER: CHOOSE LANGUAGE TO CONDUCT INTERVIEW IN.</span>ENGLISHSPANISHDON'T KNOWREFUSED<span class="INTVR">INTERVIEWER: ARE SHOWCARDS AVAILABLE TO THE R FOR THIS INTERVIEW</span>SHOWCARDS AVAILABLESHOWCARDS NOT AVAILABLEIN PERSONON THE PHONESTART OF CONFIRMATION SCREEN<span class="INTVR">THIS STATEMENT MUST BE READ TO ALL RESPONDENTS:</span> This interview is completely voluntary and confidential, and all the information collected will be used for statistical purposes only. Because this interview is a part of the Survey of Consumer Finances, I will be asking a number of questions that have dollar answers. The most useful answer is always an exact amount that truly reflects your situation. However, this is not always possible--you may not know the figure, or you may not feel comfortable answering. Because your answers are so important to the study, I am allowed to collect dollar ranges when no better information is available. Of course, if there is a question you cannot answer or do not want to answer, we will move on at that point. Feel free to consult any knowledgeable person or use any records and notes at any time during this interview. And please ask questions when anything is not clear.END OF CONFIRMATION SCREENNumber of members of the PEUNumber of non-members of PEUHHL: RELATIONSHIPS<span class="INTVR">INTERVIEWER: IS INTERVIEW BEING CONDUCTED WITH THE 2007 RESPONDENT? (SELECT 'YES' IF A PROXY IS ANSWERING FOR THE 2007 RESPONDENT.)</span>CONFIRMING: RESPONDENT IS THE SAME PERSON AS THE 2007 RESPONDENT.CONFIRMING: RESPONDENT IS THE SPOUSE/PARTNER OF THE 2007 RESPONDENT.{txt}RelationshipRESPONDENTSPOUSEPARTNERCHILDGRANDCHILDPARENTGRANDPARENTAUNT/UNCLECOUSINNIECE/NEPHEWSISTER/BROTHERGREAT GRANDCHILDOTHER RELATIVEROOMMATEFRIENDBOARDER OR ROOMER/LODGERPAID HELPFOSTER CHILDOTHER UNRELATED PERSONDON'T KNOWREFUSEDBefore we start the interview, I need to list the people who live with you and obtain some basic information about each one. Let's start with you. <span class="INTVR">CODE SEX WITHOUT ASKING. IF NECESSARY, SAY:</span> I am required to ask your sex.MALEFEMALEDON'T KNOWREFUSEDMONTH:CodesDON'T KNOWREFUSEDDAY:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSEDAGE FROM DOBSo, you are {#Q14A1} years old?YES, CONTINUENO, FIX BIRTHDATENO, ENTER AGEDON'T KNOWREFUSEDHow old are you? AGE:CodesDON'T KNOWREFUSEDATTENTION: Age is a critical detail for this interview. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time.TERMINATE INTERVIEWGO BACK AND CHANGE DOB/AGEPOSSIBLE R AGE ERROR. Rs COMPUTED AGE OF {#Q14A1} DIFFERENT FROM REPORTED AGE OF {#Q16A1}. PLEASE EXPLAIN DIFFERENCE.Are you currently married or living with a partner, separated, divorced, widowed, or have you never been married?MARRIEDLIVING WITH PARTNERSEPARATEDDIVORCEDWIDOWEDNEVER MARRIEDDON'T KNOWREFUSEDtext fillspousepartnerUSUALLY LIVE WITH YOUDON'T KNOWREFUSEDDoes your {#_sptext} live with you now?DON'T KNOWREFUSEDDoes your {#_sptext} usually live with you?DON'T KNOWREFUSEDDo you live with a partner?DON'T KNOWREFUSEDDoes anyone else live with you? <br/>DON'T KNOWREFUSEDFOR TESTING ONLY: Q26A1 = {#Q26A1}RelationshipRESPONDENTSPOUSEPARTNERCHILDGRANDCHILDPARENTGRANDPARENTAUNT/UNCLECOUSINNIECE/NEPHEWSISTER/BROTHERGREAT GRANDCHILDOTHER RELATIVEROOMMATEFRIENDBOARDER OR ROOMER/LODGERPAID HELPFOSTER CHILDOTHER UNRELATED PERSONDON'T KNOWREFUSED<span class="INTVR">IF POSSIBLE, CODE WITHOUT ASKING. IF NECESSARY, ASK:</span> What is your {#_sptext}'s sex?MALEFEMALEDON'T KNOWREFUSEDheshehe or shehisherhis or herhimherhim or herHow old is your {#_sptext}? AGE:CodesDON'T KNOWREFUSEDSILENT: LARGE DIFFERENCE IN Rs AGE OF {#Q16A1} AND S/Ps AGE OF {#Q16A2}. PLEASE CONFIRM.Is {#_spgendtext} 18 or over?DON'T KNOWREFUSEDIs your partner currently married, separated, divorced, widowed, or has {#_spgendtext} never been married?MARRIEDLIVING WITH PARTNERSEPARATEDDIVORCEDWIDOWEDNEVER MARRIEDDON'T KNOWREFUSEDDoes {#_spgendtext} usually live here?DON'T KNOWREFUSEDDo you and your {#Q7A2} have shared finances?SHARED FINANCESNOT SHARED FINANCESDoes anyone else live with you?DON'T KNOWREFUSEDMarital status - 86 CodesSpouse or partner assumed to be a part of the PEU1. NO spouse or partner in the PEU2. Spouse or partner included in the PEUmarriedliving togetherWere you and your {#_sptext} {#_qhhl2} as long ago as {#dateof2007int}?DON'T KNOWREFUSEDATTENTION: This is a critical detail for this interview. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time.TERMINATE INTERVIEWGO BACK AND CHANGE DOB/AGEFOR TESTING ONLY: Q26A2 = {#Q26A2} marstat = {#marstat} peustat = {#peustat}What is the next person's relationship to you? <span class="INTVR">CODE RELATIVES OF SPOUSE/PARTNER THE SAME AS R'S RELATIVES</span>RESPONDENTSPOUSEPARTNERCHILDGRANDCHILDPARENTGRANDPARENTAUNT/UNCLECOUSINNIECE/NEPHEWSISTER/BROTHERGREAT GRANDCHILDOTHER RELATIVEROOMMATEFRIENDBOARDER OR ROOMER/LODGERPAID HELPFOSTER CHILDOTHER UNRELATED PERSONDON'T KNOWREFUSED<span class="INTVR">IF POSSIBLE, CODE WITHOUT ASKING. IF NECESSARY, ASK:</span><br/>What is that person's sex?MALEFEMALEDON'T KNOWREFUSEDheshethat personhisherhis or herHow old is {#_HHgendtext}? <span class="INTVR">{instruction}</span> AGE:CodesDON'T KNOWREFUSEDUNUSUAL DIFFERENCE IN AGE OF R AND CHILD/GRANDCHILD/GREAT GRANDCHILD/FOSTER CHILD. PLEASE CONFIRM.Is {#_HHgendtext} 18 or older? <br/>DON'T KNOWREFUSEDIs your {#Q7} currently married or living with a partner, separated, divorced, widowed, or has {#_HHgendtext} never been married?MARRIEDLIVING WITH PARTNERSEPARATEDDIVORCEDWIDOWEDNEVER MARRIEDDON'T KNOWREFUSEDDoes {#_HHgendtext} usually live with you? <br/>DON'T KNOWREFUSEDDoes your {#Q7} depend on you {#\._andHWP} for most of {#_HHgendtext2} support or is {#_HHgendtext} financially independent for the most part? <span class="INTVR">TREAT LIVE-IN SERVANTS AS FINANCIALLY INDEPENDENT</span>FINANCIALLY DEPENDENTFINANCIALLY INDEPENDENTPAID HELP IS USUALLY FINANCIALLY INDEPENDENT. YOU HAVE SELECTED FINANCIALLY DEPENDENT. PLEASE CONFIRM.Does anyone else live with you? <br/>DON'T KNOWREFUSED<span class="INTVR">IF NECESSARY: CONFIRM WITH R. TO CORRECT, BACK UP NO MORE THAN A FEW SCREENS OR MAKE AN [F2] COMMENT.</span> <table border="1"><tr bgcolor="silver"><td><font color="darkblue">RELATIONSHIP</font></td><td><font color="darkblue">SEX</font></td><td><font color="darkblue">AGE</font></td><td><font color="darkblue">MARITAL</font></td><td><font color="darkblue">LIVE HERE</font></td><td><font color="darkblue">FINANCIAL DEPENDENCE</font></td></tr><tr><td>{#Q7A1}</td><td>{#Q8A1}</td><td>{#Q16A1}</td><td>{#Q20A1}</td><td>{#Q21A1}</td><td></td></tr><tr><td>{#Q7A2}</td><td>{#Q8A2}</td><td>{#Q16A2}</td><td>{#Q20A2}</td><td>{#Q21A2}</td><td>{#Q25A2}</td></tr><tr><td>{Q7_0}</td><td>{Q8_0}</td><td>{Q16_0}</td><td>{Q20_0}</td><td>{Q21_0}</td><td>{Q25_0}</td></tr><tr><td>{Q7_1}</td><td>{Q8_1}</td><td>{Q16_1}</td><td>{Q20_1}</td><td>{Q21_1}</td><td>{Q25_1}</td></tr><tr><td>{Q7_2}</td><td>{Q8_2}</td><td>{Q16_2}</td><td>{Q20_2}</td><td>{Q21_2}</td><td>{Q25_2}</td></tr><tr><td>{Q7_3}</td><td>{Q8_3}</td><td>{Q16_3}</td><td>{Q20_3}</td><td>{Q21_3}</td><td>{Q25_3}</td></tr><tr><td>{Q7_4}</td><td>{Q8_4}</td><td>{Q16_4}</td><td>{Q20_4}</td><td>{Q21_4}</td><td>{Q25_4}</td></tr><tr><td>{Q7_5}</td><td>{Q8_5}</td><td>{Q16_5}</td><td>{Q20_5}</td><td>{Q21_5}</td><td>{Q25_5}</td></tr><tr><td>{Q7_6}</td><td>{Q8_6}</td><td>{Q16_6}</td><td>{Q20_6}</td><td>{Q21_6}</td><td>{Q25_6}</td></tr><tr><td>{Q7_7}</td><td>{Q8_7}</td><td>{Q16_7}</td><td>{Q20_7}</td><td>{Q21_7}</td><td>{Q25_7}</td></tr><tr><td>{Q7_8}</td><td>{Q8_8}</td><td>{Q16_8}</td><td>{Q20_8}</td><td>{Q21_8}</td><td>{Q25_8}</td></tr><tr><td>{Q7_9}</td><td>{Q8_9}</td><td>{Q16_9}</td><td>{Q20_9}</td><td>{Q21_9}</td><td>{Q25_9}</td></tr></table>CORRECTADD MORECodesDON'T KNOWREFUSEDCodesDON'T KNOWREFUSEDAs we go through the interview, I will be asking you about various kinds of financial matters -- sometimes just for you, but usually for you and your family living here. By "your family living here" I mean only the following people... <table border="1"> <tr bgcolor="silver"><td><font color="darkblue">RELATIONSHIP</font></td><td><font color="darkblue">SEX</font></td><td><font color="darkblue">AGE</font></td></tr> <tr><td>RESPONDENT</td><td>{#Q8A1}</td><td>{#Q16A1}</td></tr><tr><td>{sprel}</td><td>{spgend}</td><td>{spage}</td></tr><tr><td>{Q7_0}</td><td>{Q8_0}</td><td>{Q16_0}</td></tr><tr><td>{Q7_1}</td><td>{Q8_1}</td><td>{Q16_1}</td></tr><tr><td>{Q7_2}</td><td>{Q8_2}</td><td>{Q16_2}</td></tr><tr><td>{Q7_3}</td><td>{Q8_3}</td><td>{Q16_3}</td></tr><tr><td>{Q7_4}</td><td>{Q8_4}</td><td>{Q16_4}</td></tr><tr><td>{Q7_5}</td><td>{Q8_5}</td><td>{Q16_5}</td></tr><tr><td>{Q7_6}</td><td>{Q8_6}</td><td>{Q16_6}</td></tr><tr><td>{Q7_7}</td><td>{Q8_7}</td><td>{Q16_7}</td></tr><tr><td>{Q7_8}</td><td>{Q8_8}</td><td>{Q16_8}</td></tr><tr><td>{Q7_9}</td><td>{Q8_9}</td><td>{Q16_9}</td></tr></table>CodesDON'T KNOWREFUSEDThis is the end of the HHL SectionFOR TESTING ONLY: WHERE WOULD YOU LIKE TO GO? Number in PEU = {#PEUNum} Number in NPEU = {#NPEUNum}B: Credit Attitudes and Credit CardsD: Principal Residence, Lines of CreditE: Real Estate Loans to OthersF: BusinessesG: VehiclesH: Education LoansI: Other LoansJ: Attitudes About Saving and InvestingN: Financial AssetsR: Work and PensionsT: Income, Taxes, SupportX: Inheritances, CharityY: Demographics, Health, Independent HH MembersZ: DebriefingHHL end dateHHL end timeA: ATTITUDES AND FINANCIAL INSTITUTIONSI'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?BetterWorseAbout the sameDON'T KNOWREFUSEDOver the next year do you expect the economy to perform better, worse, or about the same as now?BetterWorseAbout the sameDON'T KNOWREFUSEDWhat numberOn a scale from one to five, where one is almost no shopping, three is moderate shopping, and five is a great deal of shopping, whereDON'T KNOWREFUSEDWhen making decisions about borrowing money or obtaining credit, some people shop around for the very best terms while others don't. {#_Q34text} would {#_famfill1} be on the scale? <span class="INTVR">IF R SAYS 'I DON'T BORROW', SAY: What did you do the last time you borrowed?</span>DON'T KNOWREFUSEDPlease look at this list. What sources of information doI am going to read you a list. Please tell me which sources of information(){#_Q36listfill} you {#_andHWP} use to make decisions about borrowing or credit? {#_openparen}Do you call around, read newspapers, magazines, material you get in the mail, use information from television, radio, the internet, or advertisements? Do you get advice from a friend, relative, lawyer, accountant, banker, broker, or financial planner? Or do you do something else?{#_closeparen} <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> ENTER RESPONSE #1:NEVER BORROWDON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #3:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #4:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #5:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #6:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #7:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #8:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #9:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #10:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #11:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #12:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #13:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #14:DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDWhat numberOn a scale from one to five, where one is almost no shopping, three is moderate shopping, and five is a great deal of shopping, whereWhen making saving and investment decisions, some people shop around for the very best terms while others don't. {#_Q38text} would {#_famfill1} be on the scale?DON'T KNOWREFUSEDPlease look at this list. What sources of information doI am going to read you a list. Please tell me what sources of information{#_Q39text} {#_famfill2} use to make decisions about saving and investments? {#_openparen}Do you call around, read newspapers, magazines, material you get in the mail, use information from television, radio, the internet, or advertisements? Do you get advice from a friend, relative, lawyer, accountant, banker, broker, or financial planner? Or do you do something else?{#_closeparen} <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> ENTER RESPONSE #1:DO NOT SAVE/INVESTDON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #3:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #4:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #5:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #6:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #7:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #8:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #9:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #10:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #11:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #12:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #13:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #14:DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDSection A end dateSection A end timeNow 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? <span class="INTVR">IF R SAYS THEY DO NOT NEED TO BORROW FOR ANYTHING, SAY:</span> What do you think in general?Good ideaGOOD IN SOME WAYS, BAD IN OTHERSBad ideaDON'T KNOWREFUSEDHave you {#_orHWP_shared} applied for any type of credit or loan in the last two years? <span class="INTVR">INCLUDE PRE-APPROVED CREDIT THAT R ACCEPTED</span>DON'T KNOWREFUSEDIn the past two years, has a particular lender or creditor turned down any request you {#_orHWP} made for credit, or not given you as much credit as you applied for? <span class="INTVR">IF YES, PROBE:</span> Turned down, or not as much credit? <span class="INTVR">IF TURNED DOWN AND NOT AS MUCH CREDIT, ASK WHICH IS MORE RECENT</span>Yes, turned downYes, not as much creditNoDON'T KNOWREFUSEDWere you later able to obtain the full amount you {#_orHWP} requested by reapplying to the same institution or by applying elsewhere?Did Not ReapplyDON'T KNOWREFUSEDturned down for credit?unable to get as much credit as you applied for?On the most recent occasion, what reasons were you {#_orHWP} given for being {_QB2}CodesDON'T KNOWREFUSEDWhat type of credit did you apply for?MortgageCar loanOther installment loanCredit CardLine of creditOtherDON'T KNOWREFUSED<span class="INTVR">PLEASE SPECIFY.</span>CodesDON'T KNOWREFUSEDWas there any time in the past two years that you {#_orHWP} thought of applying for credit at a particular place, but changed your mind because you thought you might be turned down?DON'T KNOWREFUSEDOn the most recent occasion, why did you {#_orHWP} think you might be turned down?CodesDON'T KNOWREFUSEDNow I have some questions about credit cards and charge cards. Do {#_famfill14} have any credit cards or charge cards? <span class="INTVR">IF YES:</span> Please do not include debit cards.<br/> <span class="INTVR">DO NOT INCLUDE CARDS USED ENTIRELY FOR BUSINESS.</span>DON'T KNOWREFUSEDHow many different credit card and charge card accounts do {#_famfill14} have? Please do not count duplicate cards for the same account or any business or company accounts. <span class="INTVR">INCLUDE ALL THE FAMILY'S CARDS, NOT JUST THE CARDS USED MOST OFTEN. DO NOT INCLUDE GIFT CARDS.</span>CodesDON'T KNOWREFUSEDthis accountthese accountss{correct_it}<br/>On your last bill{#_QB5_2}, how much were the new charges made to {#_QB5_1}? <span class="INTVR">IF R DID NOT RECEIVE A BILL LAST MONTH, CODE ZERO. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Numberpayment waspayments werebalancetotal balancethis accountall these accounts{correct_it}<br/>After the last {#_QB6_1} made, what was the {#_QB6_2} still owed on {#_QB6_3}? <span class="INTVR">WE WANT THE TOTAL AMOUNT OWED, NOT THE MINIMUM PAYMENT. CODE ZERO IF ALL ACCOUNTS WERE PAID IN FULL. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Numberthis accountall of these accounts{correct_it}<br/>What is the maximum amount you could borrow on {#_QB7_1}; that is, what is your total credit limit? <span class="INTVR">WE WANT THE TOTAL CREDIT LIMIT, NOT JUST THE AMOUNT OF REMAINING CREDIT AVAILABLE. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDo you have any charge or revolving charge accounts at stores where you owed money after your last payment?Do you or your family living here have any charge or revolving charge accounts at stores where you owed money after your last payment?How many such accounts do you have where you owe money?How many such accounts do you or your family living here have where you owe money?After the last payments were made on these accounts, what was the balance still owed on all these accounts?After the last payment was made on this account, what was the balance still owed on this account?DThinking about all your cards, d{#_Q90}o you almost always, sometimes, or hardly ever pay off the total balance owed on the account each month?Always or almost alwaysSometimesHardly everDON'T KNOWREFUSED{QFill}<br/><span class="INTVR">DO NOT INCLUDE ACCOUNTS WHERE R DOES NOT OWE MONEY.</span>DON'T KNOWREFUSED{correct_it}<br/>{QFill} <span class = "INTVR">WE WANT THE TOTAL AMOUNT OWED, NOT THE MINIMUM PAYMENT. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDThis is the end of Section BSection B end dateSection B end timeINSERT PRELOAD VARIABLES LATER FOR Q107/Q134/Q185 AND THEN WE CAN UPDATE THE TEXT FILLS IN THIS SECTION. FOR NOW ENTER IF OWN OR RENT.ownrentfarm or ranchfarm or ranch owned by a businessmobile homecondominiumcooptownhousehousehomerental propertyhome you neither owned nor rentedacquiredmoved into_qd1txt3live on that properyown that residencerent that residencehave that homeWhen we last interviewed your household, your residence was a {#_qd1txt1} that you {#_qd1txt2} in {year}. Do you still {#_qd1txt3}?DON'T KNOWREFUSEDATTENTION: Homeownership is a critical detail in family finances. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time.TERMINATE INTERVIEWGO BACK AND OWNERSHIP<span class = "INTVR">CHECKPOINT: OWN/RENT</span>OWNRENT/OTHERPRELOAD-Q206 IN 2007own entire building and own unit separatelynoPlease tell me the value of just your unit.{correct_it}<br/>What is the current value of that property? I mean, without taking any outstanding loans into account, about what would it bring if it were sold now? {qd3} <span class = "INTVR">INTERVIEWER: IF R AND FAMILY THERE OWN ONLY PART OF THE PROPERTY, THE AMOUNT SHOULD REFER TO THE PART THEY OWN; FOR FARMS/RANCHES, INCLUDE ALL OWNED LAND AND STRUCTURES. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberIs that property the same as your current main residence?DON'T KNOWREFUSED{correct_it}<br/>How much rent do {#_famfill2} pay? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDid you move to a different city? <span class = "INTVR">TREAT CITIES IN THE SAME METROPOLITAN AREA OR LOCATIONS IN THE SAME COUNTY AS THE SAME CITY.</span>DON'T KNOWREFUSEDWhy did you move from that home? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> ENTER RESPONSE #1:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhy did you move? <span class = "INTVR">(CODE ALL THAT APPLY)</span>Home foreclosedRent/costs too highNeeded more/different spaceRetiredChanged jobsShorten commuteHealth reasonsTo be near other relativesOTHER (SPECIFY)PLEASE SPECIFY.CodesDON'T KNOWREFUSEDWhat was the selling price for your home?CODE AMOUNTDID NOT SELL THE HOMEDON'T KNOWREFUSED{correct_it}<br/>Enter amount. <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberWhat year was that?CodesDON'T KNOWREFUSEDDid you attempt to contact the lender to work out an arrangement to avoid foreclosure?DON'T KNOWREFUSED<span class = "INTVR">INTERVIEWER OBSERVATION: WHERE DOES R LIVE?<br/>IF INTERVIEW NOT DONE AT R'S HOME, ASK:</span><span class = "INTVR">INTERVIEWER OBSERVATION: WHERE DOES R LIVE?<br/>IF INTERVIEW NOT DONE AT R'S HOME, ASK:</span> Do you live on a farm or ranch, in a mobile home, in a house or apartment, or in some other type of home? <span class = "INTVR">IF R LIVES IN ANY STRUCTURE ON A FARM/RANCH, CODE FARM OR RANCH.</span>R LIVES ON A RANCHR LIVES ON A FARMR LIVES IN A MOBILE HOME/RVR LIVES IN HOUSE/TOWNHOUSE/APARTMENT/OTHERranchfarm(house and lot/apartment)ranchesfarmsranchfarm(house/apartment)Now I have some questions about this property. About how many acres is this {#Q96}, including any acres that you rent or rent out to others? <span class = "INTVR">INCLUDE ALL ACREAGE IN NON-CONTIGUOUS PIECES OF LAND THAT ARE USED AS A PART OF THE FARM/RANCH OPERATION.</span>CodesDON'T KNOWREFUSEDDo {#_famfill14} operate a farming or ranching business on this property? <span class = "INTVR">(IF R CLAIMS THE FARM ON HIS INCOME TAX, THEN THE FARM IS A BUSINESS FOR OUR PURPOSES.)</span>DON'T KNOWREFUSEDWhat part of this property is used for {#Q96}ing?ENTER PERCENTAGEENTER ACREAGEVery littleAlmost allDON'T KNOWREFUSEDENTER PERCENTAGE:CodesDON'T KNOWREFUSEDENTER ACREAGE:CodesDON'T KNOWREFUSEDWhat is the legal ownership status of this {#Q96}? Do {#_famfill5} own this {#Q96}, do you own part of it, do you rent it, is it all owned by a business, or another arrangement? <span class="INTVR">IF THE PROPERTY IS OWNED THROUGH A TRUST THE PEU SET UP, TREAT IT AS OWNED BY THEM.</span> <span class="INTVR">DO NOT CODE 'OTHER' IF R OWNS ANY PART.</span>Owns allOwns only partSharecropperRents/Leases allOwned by a businessOtherDON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDINTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED (And how often is that amount collected?)DON'T KNOWREFUSED(And how often is that amount collected?) PLEASE SPECIFY.CodesDON'T KNOWREFUSED{correct_it}<br/>Could you tell me the current value of all the land and buildings - that is, what would it bring if it were sold today? Do not include any farm animals, implements or crops. <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberCURRENT VALUE OF FARM/RANCH IS LESS THAN $5000. CONFIRM THIS IS CORRECT WITH R.Do {#_famfill5} pay the business any rent for this property?DON'T KNOWREFUSED<table border="1"><tr><td>JAN = 1</td><td>APR = 4</td><td>JUL = 7</td><td>OCT = 10</td></tr><tr><td>FEB = 2</td><td>MAY = 5</td><td>AUG = 8</td><td>NOV = 11</td></tr><tr><td>MAR = 3</td><td>JUN = 6</td><td>SEP = 9</td><td>DEC = 12</td></tr></table><p/> MONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSEDINTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED (And how often is that amount collected?)DON'T KNOWREFUSED(And how often is that amount collected?) PLEASE SPECIFY.CodesDON'T KNOWREFUSEDDo {#_famfill14} pay any rent for this property?DON'T KNOWREFUSED{correct_it}<br/>How much rent do {#_famfill5} pay? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberI will ask you more about the business operation later. Now I'd like to ask about the part of the property that {#_famfill2} personally own. About what percent of the total property is that?ENTER PERCENTAGEENTER ACREAGEDON'T KNOWREFUSEDENTER PERCENTAGE:CodesDON'T KNOWREFUSEDENTER ACREAGE:CodesDON'T KNOWREFUSED{correct_it}<br/>Could you tell me the current value of the entire part of the land and buildings you own? I mean, what would it bring if it were sold today? Do not include any farm animals, implements or crops. <span class = "INTVR">INCLUDE BOTH ACREAGE OWNED DIRECTLY AND ACREAGE CO-OWNED WITH OTHERS OUTSIDE THE PEU. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberCURRENT VALUE OF FARM/RANCH IS LESS THAN $5000. CONFIRM THIS IS CORRECT WITH R.<span clase="INTVR">DO NOT INCLUDE ANY SHARE OF THE RENT PAID BY THE NPEU.</span>Now I have some questions about your home. Do {#_famfill5} 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 another arrangement?Own both home and siteOwn only siteOwn only homeRent bothNeither own nor rentDON'T KNOWREFUSED{correct_it}<br/>How much rent do you pay on this home? {Q134instr} <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>Could you tell me the current value of the site? I mean, about what would it bring if it were sold today? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberMONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSED{correct_it}<br/>How much did this site cost when you originally acquired it? <span class = "INTVR">(INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberHow is that?CodesDON'T KNOWREFUSEDIn what month and year did you move into this mobile home?<br/><table border="1"><tr><td>JAN = 1</td><td>APR = 4</td><td>JUL = 7</td><td>OCT = 10</td></tr><tr><td>FEB = 2</td><td>MAY = 5</td><td>AUG = 8</td><td>NOV = 11</td></tr><tr><td>MAR = 3</td><td>JUN = 6</td><td>SEP = 9</td><td>DEC = 12</td></tr></table> MONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSED{correct_it}<br/>How much rent do you pay on this site? {Q134instr} <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>Could you tell me the current value of this mobile home? I mean, about what would it bring if it were sold today? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberMONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSED{correct_it}<br/>How much did this mobile home cost when you originally acquired it? <span class = "INTVR">INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much rent do you pay on this home and site? {Q134instr} <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberIn what month and year did you move into this mobile home?<br/><table border="1"><tr><td>JAN = 1</td><td>APR = 4</td><td>JUL = 7</td><td>OCT = 10</td></tr><tr><td>FEB = 2</td><td>MAY = 5</td><td>AUG = 8</td><td>NOV = 11</td></tr><tr><td>MAR = 3</td><td>JUN = 6</td><td>SEP = 9</td><td>DEC = 12</td></tr></table> MONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSED{correct_it}<br/>Could you tell me the current value of this home and site? I mean, about what would they bring if they were sold today? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberWere the site and mobile home purchased separately?DON'T KNOWREFUSEDMONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSED{correct_it}<br/>How much did the mobile home cost when you originally acquired it? <span class = "INTVR">INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberMONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSED{correct_it}<br/>How much did this site cost when you originally acquired it? <span class = "INTVR">INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberMONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSED{correct_it}<br/>How much did the mobile home and site cost when you originally acquired it? <span class = "INTVR">INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberNow I have some questions about your home. Do {#_famfill2} own this {#Q96}, do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or something else?Owns or is buying/land contractPays rentCondoCo-opTownhouse AssociationRetirement Lifetime TenancyNeither owns nor rentsOWN ONLY PARTDON'T KNOWREFUSEDHomeownership is a critical detail in family finances. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time.TERMINATE INTERVIEWGO BACK AND CHANGE OWNERSHIPHow is your housing provided?CodesDON'T KNOWREFUSED{#_famfill14a} own any part of this {#Q96}?DON'T KNOWREFUSED<span class="INTVR">IN THE FOLLOWING QUESTIONS ABOUT VALUE AND LOANS, INCLUDE ONLY R'S SHARE; IF R KNOWS ONLY TOTALS FOR THE WHOLE PROPERTY, MAKE NOTES WHERE APPLICABLE</span> What percent of the property do {#_famfill2} own? ENTER PERCENT:CodesDON'T KNOWREFUSEDAre you required to pay regular fees to an association or property management group {#_q187fill}?DON'T KNOWREFUSEDPlease do not include any property taxes included with your payment--I will ask about the taxes in a moment. <span class = "INTVR">INTERVIEWER: IF R CANNOT SEPARATE PROPERTY TAXES FROM THE REMAINDER OF THE CO-OP FEE, MAKE A NOTE.</span>{correct_it}<br/>How much are your fees? {_q188text} <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number<span class="INTVR">INTERVIEWER OBSERVATION:<br/><br/>DOES R LIVE IN MULTIPLE HU STRUCTURE?<br/>(CONFIRM WITH R IF NECESSARY)</span>Do you live in a building with multiple units?{#_Q192text}MONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSED{correct_it}<br/>How much rent do {#_famfill5} pay for this {#Q96}? <span class = "INTVR">IF RENT IS SUBSIDIZED, PROBE FOR DETAILS AND MAKE NOTE. IF R SHARES RENT WITH ROOMMATES NOT IN THE PEU, INCLUDE ONLY R'S (FAMILY'S) SHARE OF THE RENT. INCLUDE ANY FEES FOR PARKING WITH RENT. {Q134instr} IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDoes the rent include some or all utilities?Yes, allYes, someNoDON'T KNOWREFUSEDDo you rent it furnished or unfurnished?FurnishedPartially furnishedUnfurnishedDON'T KNOWREFUSEDMONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSEDDo {#_famfill2} own the entire building or just your unit? {coop} <span class="INTVR">IF R OWNS MULTIPLE UNITS, BUT NOT THE WHOLE BUILDING, CODE 'JUST R'S UNIT' AND INCLUDE ADDITIONAL UNITS LATER AS OTHER REAL ESTATE.</span>Entire buildingJust R's unitDON'T KNOWREFUSEDHow many housing units are in this building?CodesDON'T KNOWREFUSEDDo you own your unit separately from the rest of the building?DON'T KNOWREFUSEDThe following questions about your home refer to your unit only.<br/><br/>What is the current value of this (home and land/apartment/property)? I mean, without taking any outstanding loans into account, about what would it bring if it were sold today?The following questions refer to the entire building.<br/><br/>What is the current value of this (home and land/apartment/property)? I mean, without taking any outstanding loans into account, about what would it bring if it were sold today?What is the current value of this (home and land/apartment/property)? I mean, without taking any outstanding loans into account, about what would it bring if it were sold today?How much would you get if you gave up your rights to remain there?<br/><br/><span class = "INTVR">IF THE ONLY VALUE IS AN AMOUNT TO BE RETURNED TO R'S HEIRS AT THE TIME OF DEATH, RECORD THAT VALUE. IF THERE IS NO VALUE UNDER ANY CIRCUMSTANCES, RECORD ZERO DOLLARS.</span>{correct_it}<br/>{#_Q207text} <span class = "INTVR">{property} IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberCURRENT VALUE OF HOUSE IS LESS THAN $5000. CONFIRM THIS IS CORRECT WITH R.MONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSED{correct_it}<br/>How much did it cost when you originally acquired it? <span class = "INTVR">IF PROPERTY WAS PURCHASED SEPARATELY, WE WANT THE TOTAL COST OF LAND AND HOUSE. INCLUDE RENOVATION AND CONSTRUCTION COSTS INCURRED BEFORE R MOVED IN. INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Numberthis home and landthis landthis homethis farmthis ranchthe part of the ranch you ownthe part of the farm you ownthis unitthis property{correct_it}<br/>What are the real estate taxes on {#_Q214text}? <span class = "INTVR">{instruction} IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberUNUSUALLY HIGH PROPERTY TAX RATE: {#Q214} PER {Q216}. DOES THIS INCLUDE OTHER PAYMENTS?homehome and landapartmentpropertyIs there a mortgage or land contract on this (home/home and land/apartment/property) or another type of loan that uses this property as collateral? <span class = "INTVR">IF YES, SAY: </span>Please do not include home equity lines of credit. <span class = "INTVR">INTERVIEWER: IF R SAYS BOTH MORTGAGE AND LAND CONTRACT, CHOOSE MORTGAGE. IF R SAYS REVERSE ANNUITY MORTGAGE, CODE MORTGAGE AND MAKE A NOTE [F2].</span>Yes, mortgageYes, land contractNoDON'T KNOWREFUSEDIs the first or main mortgage an FHA, VA or other federally guaranteed mortgage? <span class = "INTVR">FANNIE MAE AND FREDDIE MAC SHOULD NOT BE INCLUDED AS FEDERALLY GUARANTEED.</span>DON'T KNOWREFUSEDIs it an FHA mortgage, a VA mortgage, or is it from some other program?FHAVAOtherDON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDWhy did you choose this type of loan?CodesDON'T KNOWREFUSEDland contractmortgageloan<br/><table border="1"><tr><td>JAN = 1</td><td>APR = 4</td><td>JUL = 7</td><td>OCT = 10</td></tr><tr><td>FEB = 2</td><td>MAY = 5</td><td>AUG = 8</td><td>NOV = 11</td></tr><tr><td>MAR = 3</td><td>JUN = 6</td><td>SEP = 9</td><td>DEC = 12</td></tr></table> MONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSEDCHECKPOINT: PROPERTY PURCHASE DATE AND MORTGAGE DATE, HOW IS THIS CALCULATED?1. PROPERTY WAS PRINCIPAL RESIDENCE IN 2007 (QD1=YES) AND EITHER NO MORTGAGE IN 2009 (Q272A1=NO) OR MORTGAGE YEAR<2007 (Q226A1<2007) --> SKIP TO P09335/QD192. PROPERTY WAS NOT PRINCIPAL RESIDENCE IN 2007 (QD1=NO) AND EITHER NO MORTGAGE IN 2009 (Q272A1=NO) OR MORTGAGE YEAR SAME AS PURCHASE YEAR (Q226A1=Q211) --> SKIP TO P09335/QD193. ALL OTHER WITH A MORTGAGE (Q272A1=YES) --> CONTINUE4. ALL OTHER WITHOUT A MORTGAGE (Q272A1=NO) --> SKIP TO Q274Did you take out this {#_Q225text} to : refinance or rollover an earlier loan, modify an earlier loan, borrow additional money on your home equity, or something else? <span class = "INTVR">IF R SAYS "REFINANCED AND BORROWED ADDITIONAL MONEY," CODE "BORROWED ADDITIONAL MONEY"</span>Refinance or rollover an earlier loan,Borrow additional money on your home equity,Modified the loanORIGINALLY PAID CASH AND TOOK OUT LOAN LATERDON'T KNOWREFUSEDrefinance your loanto borrow additional moneyhave your loan modifiedWhat was the most important factor in your decision to {#_qd13}?LOWER THE MONTHLY PAYMENTAVOID A SCHEDULED INCREASE IN MONTHLY PAYMENTWANTED TO BORROW MORE AGAINST THE HOMEOTHER (SPECIFY)DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDrefinance your loanborrow more on this loanseek a modification on this loanWhat sources of information did you use in deciding to {#_qd14}? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> ENTER RESPONSE #1:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #3:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #4:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #5:DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDrefinancingnegotiationmodificationDid you contact the lender, did the lender contact you, did you seek help from a homeowner assistance program, or did you do something else to begin the {#_qd15}?CONTACTED THE LENDERCONTACTED BY THE LENDERCONTACTED A HOMEOWNER ASSISTANCE PROGRAMOTHER (SPECIFY)DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDthe lender contacted youyou contacted the lenderyou homeowner assistance programWere you behind in your payments at the time {#_qd16text}?DON'T KNOWREFUSEDWhat terms of your loan were modified? <span class = "INTVR">CODE ALL THAT APPLY</span>OUTSTANDING BALANCE REDUCEDOVERDUE AMOUNT ADDED TO OUTSTANDING BALANCEINTEREST RATELENGTH OF THE LOANPAYMENTSOTHER (SPECIFY)DON'T KNOWREFUSEDWhat was the name of the modification program?CodesDON'T KNOWREFUSEDIn the past two years, did you consider refinancing your mortgage or seeking a modification with the lender?DON'T KNOWREFUSEDDid you apply for one?DON'T KNOWREFUSEDWhat reason were you given for being turned down?CodesDON'T KNOWREFUSED{correct_it}<br/>How much additional money did you borrow? <span class = "INTVR">INTERVIEWER: WE WANT THE AMOUNT THAT R BORROWED NET OF CLOSING COSTS AND THE AMOUNT REFINANCED. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberR REPORTED EXTRACTING ADDITIONAL EQUITY, BUT AMOUNT EXTRACTED OF {#QD22} SAME OR LARGER THAN AMOUNT BORROWED OF {#Q230}.For what purpose was the money used?CodesDON'T KNOWREFUSEDWhat was the amount of the land contract when you took it out?Including both the amount refinanced and the additional borrowing, how much did you borrow?What was the amount of the mortgage when you took it out?How much did you refinance?How much did you refinance or rollover?{correct_it}<br/>{#_Q230text} <span class = "INTVR">IF R HAS REVERSE ANNUITY MORTGAGE, THE AMOUNT BORROWED IS THE TOTAL AMOUNT RECEIVED TO DATE.</span> <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberWhat is the amount still owed on the land contract?How much is still owed on this loan?{correct_it}<br/>{#_Q232text} <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Numberland contractloanlast refinancedwas modifiedtake out or last refinancedtaken outHow many years or payments did you agree upon when the {#_Q234text} was {#_Q234text2}? <span class = "INTVR">IF R SAYS MORTGAGE IS A REVERSE ANNUITY MORTGAGE, MAKE A NOTE. WE WANT THE NUMBER OF YEARS PAYMENTS ARE TO BE MADE ON THE LOAN, NOT THE AMORTIZATION PERIOD.</span>DON'T KNOWREFUSEDNUMBER OF YEARS:CodesDON'T KNOWREFUSEDNUMBER OF PAYMENTS:CodesDON'T KNOWREFUSED{correct_it}<br/>How much are the payments? <span class = "INTVR">EXCLUDE TAXES AND INSURANCE, IF POSSIBLE. IF R GIVES A RANGE, PRESS [F9] KEY. IF NO REGULAR PAYMENT, PRESS [F6] KEY.</span>CodesR GAVE RANGENO REGULAR PAYMENTDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>What is the typical payment? <span class = "INTVR">EXCLUDE TAXES AND INSURANCE,IF POSSIBLE IF R GIVES A RANGE, PRESS [F9] KEY. IF NO TYPICAL PAYMENT, PRESS [F6] KEY.</span>CodesR GAVE RANGENO TYPICAL PAYMENTDON'T KNOWREFUSEDDollar Probe Iteration NumberDoes this amount include real estate taxes or homeowners' insurance? (Which?)TAXES ONLYINSURANCE ONLYBOTHNEITHERDON'T KNOWREFUSEDMONTHLY PROPERTY TAXES OF {tax} GREATER THAN OR EQUAL TO MONTHLY MORTGAGE PAYMENT OF {amt}. IS THIS CORRECT?Will the {QTextFill}payments repay the loan completely, or will there be a balance payable, or 'balloon' payment, when the loan is due? <span class = "INTVR">IF R IS REQUIRED TO REFINANCE THE LOAN AFTER A FIXED PERIOD, CHOOSE 'BALANCE PAYABLE OR BALLOON' AND MAKE A NOTE.</span>Repay completelyBalance payable or BalloonDON'T KNOWREFUSED{correct_it}<br/>What will the balance due or balloon payment be? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberAre you paying off this {#_Q234text} ahead of schedule, behind schedule, or are the payments about on schedule?DON'T KNOWREFUSEDIn what year do you expect this {#_Q234text} to be repaid? YEAR:CodesDON'T KNOWREFUSEDWhat is the current annual rate of interest being charged on the {#_Q234text}? ENTER PERCENT:CodesDON'T KNOWREFUSEDIs this an adjustable rate {#_Q225text}; that is does it have an interest rate that can rise or fall at any time over the life of the loan? <span class = "INTVR">INCLUDE LOANS WHERE THE RATE CAN CHANGE ONLY ONCE, EVEN IF THE CHANGE HAS ALREADY OCCURRED. DO NOT INCLUDE RATE CHANGES DUE ONLY TO REFINANCING.</span>DON'T KNOWREFUSEDDoes the change in your interest rate depend on some other interest rate?DON'T KNOWREFUSEDland contractloanmortgageHas the interest rate on your current {#_Q225text} changed since you took it out? <span class = "INTVR">DO NOT INCLUDE RATE CHANGES DUE ONLY TO REFINANCING.</span>DON'T KNOWREFUSEDWhat was the interest rate on this {#_Q225text} when you first took it out? <span class = "INTVR">IF R HAS REFINANCED, WE WANT TO KNOW THE INITIAL RATE ON THE CURRENT LOAN, NOT THE RATE ON THE ORIGINAL LOAN.</span> ENTER PERCENT:CodesDON'T KNOWREFUSEDMAXIMUM INTEREST RATE POSSIBLE ON MORTGAGE IS EQUAL TO THE INTITIAL INTEREST RATE. THIS IS UNCOMMON.In what year can the rate first change or could it have changed already? <span class = "INTVR">PRESS [F6] KEY IF RATE COULD HAVE CHANGED ALREADY BUT R DOES NOT REMEMBER THE YEAR IT COULD HAVE CHANGED.</span> YEAR:CodesRATE COULD HAVE CHANGED EARLIER, BUT R DOES NOT REMEMBERDON'T KNOWREFUSEDAfter the first change, howHowNUMBER OF TIMES:CodesDON'T KNOWREFUSEDHourDayWeekEvery two weeksTwice a monthMonthQuarterTwice per yearYearLump sum/one payment onlyEvery three yearsEvery 7 yearsFixed for 2 or more years, then variable once a year (ENTER 1)Fixed for 2 or more years, then variable less than once a year (ENTER 1)Fixed for 2 or more years, then variable more than once a year (ENTER 1)Continuously floating rate/whenever rate changes (ENTER 1)In totalBy the piece/jobOtherDON'T KNOWREFUSEDNA(How often can your interest rate change?) PLEASE SPECIFY.CodesDON'T KNOWREFUSEDWhat is the most the rate can rise at any one time? <span class = "INTVR">WE WANT THE MOST THE RATE CAN RISE IN PERCENTAGE POINTS. A BASIS POINT IS 1/100TH OF A PERCENTAGE POINT, SO ONE BASIS POINT IS 0.01%.</span> <span class = "INTVR">IF R SAYS 'POINTS', CLARIFY: </span>Basis points or percentage points? <span class = "INTVR">IF NO LIMIT, PRESS [F6] KEY.</span> ENTER PERCENTAGE POINTS:CodesNO LIMITDON'T KNOWREFUSEDWhat was the highest level the rate could have gone up to?<br/><br/><span class = "INTVR">WE WANT THE HIGHEST LEVEL THE RATE COULD HAVE REACHED, NOT THE MAXIMUM ADDITIONAL AMOUNT THE RATE COULD RISE.</span>What is the highest level the rate can go up to over the life of the loan?<br/><br/><span class = "INTVR">WE WANT THE HIGHEST LEVEL THE RATE CAN REACH, NOT THE MAXIMUM ADDITIONAL AMOUNT THE RATE COULD RISE.</span>{#_Q270text} <span class = "INTVR">IF NO LIMIT, PRESS [F6] KEY.</span> ENTER PERCENT:CodesNO LIMITDON'T KNOWREFUSEDMAXIMUM INTEREST RATE POSSIBLE ON MORTGAGE IS EQUAL TO THE CURRENT INTEREST RATE. THIS IS UNCOMMON.MAXIMUM INTEREST RATE OF {#Q270} IS THE SAME AS THE MOST THE INTEREST RATE CAN CHANGE ({#Q268}). IS THIS CORRECT?doeswillWhen the interest rate on your {#_Q225text} changes, {#_doeswill} the size of your monthly payments also change?DON'T KNOWREFUSEDIs this a convertible {#_Q225text}; that is do you have an option to convert it to a {#_Q225text} with a fixed interest rate without having to refinance it?DON'T KNOWREFUSEDAre any of the other terms on your loan scheduled to change over the remaining life of the loan? <span class = "INTVR">DO NOT INCLUDE THE POSSIBILITY OF CHANGES DUE TO FUTURE REFINANCING. DO NOT INCLUDE FUTURE ELIMINATION OF PAYMENTS FOR PMI (PRIVATE MORTGAGE INSURANCE) AS A PART OF R'S REGULAR MORTGAGE PAYMENTS. DO NOT INCLUDE CHANGES DUE TO CHANGES IN PROPERTY TAXES OR OTHER PAYMENTS.</span>DON'T KNOWREFUSEDWhat terms will change and how will they change?CodesDON'T KNOWREFUSEDDo you have another mortgage, land contract, or any loan that uses this property as collateral? <span class = "INTVR">IF YES, SAY:</span> Please do not include home equity lines of credit. <span class = "INTVR">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.</span>Yes, second mortgageYes, land contractNoDON'T KNOWREFUSEDotherDo you have any {#_Q273text} loans that use this property as collateral? <span class = "INTVR">IF YES, SAY:</span> Please do not include any home equity lines of credit.DON'T KNOWREFUSEDotherDo {#_famfill2} owe money on any {#_Q274text} loans used for the purchase of this property, such as loans from relatives or the seller? <span class = "INTVR">IF YES, SAY:</span> Please do not include home equity lines of credit.DON'T KNOWREFUSED{correct_it}<br/>How much are the payments? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY. IF NO REGULAR PAYMENT, PRESS [F6] KEY.</span>CodesR GAVE RANGENO REGULAR PAYMENTDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much is still owed on this loan? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberWe are interested in your view of the chance that you will be staying at your current address for the next two years. Using any number from zero to 100, where zero equals no chance and 100 equals absolutely certain, what do you think the chances are that you will be living at your current address two years from now? <span class="INTVR">INTERVIEWER: ROUND TO CLOSEST NUMBER DISPLAYED</span>0. NO CHANCE OF STAYING10.20.30.40.50. 50-50 CHANCE60.70.80.90.100. ABSOLUTELY CERTAIN TO STAYDON'T KNOWREFUSEDDo {#_famfill14} have a home equity line of credit? Please include approved lines of credit even if you are not currently drawing against them.DON'T KNOWREFUSEDHow many home equity lines of credit do {#_famfill2} have?CodesDON'T KNOWREFUSEDthis home equity linethese home equity linesDo {#_famfill5} currently owe money on {#_qd26txt} of credit?DON'T KNOWREFUSEDWhat was the money used for? <span class = "INTVR">IF MULTIPLE USES, SAY:</span> What was the main use?CodesDON'T KNOWREFUSEDHowIn total, how{correct_it}<br/>{#_qd28fill} much is currently owed? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>What is the typical payment? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENNO TYPICAL PAYMENTDON'T KNOWREFUSEDDollar Probe Iteration NumberIncluding what you owe now, whatWhat{correct_it}<br/>{#_qd31txt} is the total credit limit on {#_qd26txt} of credit? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberotherDo {#_famfill14} have any {#_qd32fill} lines of credit, not counting credit cards or business lines of credit? (Please include approved lines of credit even if you are not currently drawing against them.)DON'T KNOWREFUSEDHow many such lines of credit do {#_famfill2} have?CodesDON'T KNOWREFUSEDthis linethese linesDo you {#_famfill5} currently owe any money on {#_qd34fill}?DON'T KNOWREFUSEDWhat was the money used for? <span class = "INTVR">IF MULTIPLE USES, SAY: What was the main use?</span>CodesDON'T KNOWREFUSEDHowIn total, how{correct_it}<br/>{#_qd36fill} much is currently owed? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberWhatIn total, what{correct_it}<br/>{#_qd37fill} is the typical payment? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENNO TYPICAL PAYMENTDON'T KNOWREFUSEDDollar Probe Iteration NumberIncluding what you owe now, whatWhatthe linethese lines{correct_it}<br/>{#_qd39fill1} is the total credit limit on {#_qd39fill2} of credit? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberThis is the end of Section DSection D end dateSection D end timeare youis your familyyouryour family'sYear must not be greater than current year!!Date can't be in the future!!Amount still owed,can't be greater than the total amount of loan {fill}payments,can't be greater than the total amount of loan {fill}About this loan, is it a land contract, a mortgage, or something else?About the largest loan, is it a land contract, a mortgage, or something else?About the next largest loan, is it a land contract, a mortgage, or something else?Earlier you told me you own your home separately from the other unit you own on the property. Please include the rest of the property here.Earlier you told me you own your home separately from the other units you own on the property. Please include the rest of the property here.INCONSISTENT DATA: ZERO PROPERTIES, BUT R REPORTED OWNING BUILDING WHERE R LIVES, AND DATA IN HOUSING SECTION ONLY ABOUT R'S UNIT.INCONSISTENT DATA: ZERO PROPERTIES, BUT R REPORTED OWNING REAL ESTATE THAT IS NOT OWNED BY A BUSINESS.I would like to ask first about the property where you live. In the questions that follow, please give me the amounts for the building excluding your unit.I would like to ask about the property where you live. In the questions that follow, please give me the amounts for the building excluding your unit.I would like to ask first about the most valuable property.About the property.....About the next most valuable property.....How much in total is this timeshare worth?How much in total is this property worth?<span class = "INTVR">INTERVIEWER: WE WANT THE TOTAL VALUE OF THE PROPERTY, NOT JUST R'S SHARE.</span>In what month and year did you first purchase this property?In what month and year did you first purchase any part of this property?In what month and year did you first purchase this timeshare?What was the value of the property when received?What was the purchase price of your timeshare?What was the total purchase price?Are there any outstanding loans or mortgages on this timeshare?Are there any outstanding loans or mortgages on this property?How much was borrowed or refinanced for your timeshare?In total, how much was borrowed or refinanced?How much is still owed?In total, how much is still owed?How many years or what number of payments were agreed upon when the loan was taken out?In total, how many years or what number of payments were agreed upon when the loan was taken out?How much are the payments?In total, how much are the payments?Now I will ask a few details about all the remaining properties of the {#Q403} properties you told me you have.Do {#_famfill5a} have any other properties?Now I will ask a few details about all the remaining properties you told me you have.Have {#_famfill14} ever sold any real estate for which you loaned money to the buyer? Please include accepting a note, land contract, or mortgage from the buyer.DON'T KNOWREFUSEDDoes the buyer still owe {#_famfill1} money on any of these notes, land contracts, or mortgagesDON'T KNOWREFUSED{correct_it}<br/>In total, how much {#_famFill_e_1} owed on these loans? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberNow I will ask you about other real estate {#_famfill2} may own.Now I will ask you about other real estate {#_famfill2} may own. Do {#_famfill14} own any second or vacation homes or any land you use for recreational purposes?DON'T KNOWREFUSED{#_famfill6} own any of these properties through a business you own? (<span class = "INTVR">IF YES, SAY:</span> I'll ask about those properties later).DON'T KNOWREFUSEDhave that are not owned through a business?have?How many such properties do {#_famfill2} {#_qE4txt}CodesDON'T KNOWREFUSEDHowIn total, how{correct_it}<br/>{#_qe5txt} much is {#_famFill_e_2} share of this real estate worth? That is, without taking any outstanding loans into account, what would it bring if it were sold today? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>What was {#_famFill_e_2} total purchase price for this real estate? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberAre there any mortgages or loans outstanding against this real estate?DON'T KNOWREFUSED{correct_it}<br/>Altogether, about how much is owed on {#_famFill_e_2} share of these mortgages or loans? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much in total are {#_famFill_e_2} payments on these loans or mortgages? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY. IF NO REGULAR PAYMENT, PRESS [F6] KEY.</span>CodesNO REGULAR PAYMENTRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDo {#_famfill14} own any other type of real estate such as a lot, apartment building, commercial property, or other investment property, including properties owned in partnership with others?DON'T KNOWREFUSED{#_famfill6} own any of these properties through a business you own? (IF YES, SAY: I'll ask about those properties later).DON'T KNOWREFUSEDhave that are not owned through a business?have?How many such properties do {#_famfill2} {#_qE13txt}CodesDON'T KNOWREFUSEDHowIn total, how{correct_it}{#_qe14fill} much is {#_famFill_e_2} share of this real estate worth? That is, without taking any outstanding loans into account, what would it bring if it were sold today? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/><span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberAre there any mortgages or loans outstanding against this real estate?DON'T KNOWREFUSED{correct_it}<br/>Altogether, about how much is owed on {#_famFill_e_2} share of these mortgages or loans? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much in total are {#_famFill_e_2} payments on these loans or mortgages? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY. IF NO REGULAR PAYMENT, PRESS [F6] KEY.</span>CodesNO REGULAR PAYMENTRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberThis is the end of Section ESection E end dateSection E end timeyouyou and members of your family living herebusinessbusinessesthis businessthese businessesDOES R OPERATE A FARM/RANCH BUSINESS ON THEIR PROPERTY?YESNODON'T KNOWREFUSEDIncluding your {#Q96} business here, in how many {#Q96a}, privately-held businesses, professional practices, limited partnerships, or any other types of partnership do {#_famfill5} own or share ownership in and have an active management role? Do not include corporations with publicly-traded stock or any property partnerships that have already been recorded earlier. <span class = "INTVR">INTERVIEWER: INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS. IF R OWNS A HOLDING COMPANY, REPORT THE COMPONENTS SEPARATELY. IF R OWNS STOCKS THROUGH AN INVESTMENT CLUB, REPORT LATER AS STOCKS OR MUTUAL FUNDS. RECORD DETAILS FOR EACH BUSINESS SEPARATELY. EXCEPTION: TREAT BUSINESSES MANAGED TOGETHER AS ONE BUSINESS, IF THAT IS EASIER FOR R.</span> NUMBER OF BUSINESSES:CodesDON'T KNOWREFUSEDINCONSISTENT DATA: ZERO BUSINESSES, BUT R REPORTED OWNS A FARM BUSINESS, OR A PROPERTY OWNED BY A BUSINESS. IF NO BUSINESSES EXPLAIN THE INCONSISTENCY HERE, OTHERWISE [PAGE UP] AND CHANGE THE NUMBER OF BUSINESSES.CodesDON'T KNOWREFUSEDNow I would like to ask you about businesses you may own. Do {#_famfill5} own or share ownership in any privately-held businesses, including farms, professional practices, limited partnerships or other business investments that are not publicly traded? <span class = "INTVR">IF R OWNS STOCKS THROUGH AN INVESTMENT CLUB, REPORT LATER AS STOCKS OR MUTUAL FUNDS.</span>DON'T KNOWREFUSEDINCONSISTENT DATA: NO BUSINESSES, BUT EARLIER R REPORTED REAL ESTATE OWNED BY A BUSINESS. IF NO BUSINESSES, EXPLAIN THE DISCREPANCY HERE, OTHERWISE [PAGE UP] AND CHANGE ANSWER TO 'YES'.CodesDON'T KNOWREFUSED<span class = "INTVR">CHECKPOINT: BUSINESS OWNERSHIP IN 2007 [PRE-LOAD]</span>OWNED AN ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTEDNO ACTIVELY MANAGED BUSINESS REPORTED IN 2007 AND NO BUSINESS IN 2009DK/REF ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTEDDK/REF ACTIVELY MANAGED BUSINESS IN 2007, DK/REF IN 2009At the time of the last interview, {#_famfill2} reported owning a business that was not publicly traded and that {#_famfill7} actively managed. Did you sell the business, did it go out of business, did it go public, or something else?SOLDWENT OUT OF BUSINESSWENT PUBLICSTILL OWN THE BUSINESSOTHER (SPECIFY)DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDDo {#_famfill14} have an active management role in any of these businesses? <span class = "INTVR">INTERVIEWER: INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS.</span>DON'T KNOWREFUSEDCHECKPOINT: BUSINESS OWNERSHIP IN 2007 [PRE-LOAD]OWNED AN ACTIVELY MANAGED BUSINESS IN 2007, STILL OWN ONEOWNED AN ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTEDNO ACTIVELY MANAGED BUSINESS REPORTED IN EITHER YEARDK/REF ACTIVELY MANAGED BUSINESS IN 2007, NONE REPORTEDDK/REF ACTIVELY MANAGED BUSINESS IN 2007, DK/REF IN 2009At the time of the last interview, {#_famfill2} reported owning (a business/businesses) that (was/were) not publicly traded and that you (or someone in your family living here) actively managed. Do you still own the business(es) but no longer manage (it/them), did you sell (it/them), did (it/they) go out of business, did (it/they) go public, or something else?STILL OWN, BUT NO LONGER MANAGESOLDWENT OUT OF BUSINESSWENT PUBLICSTILL OWN AND ACTIVELY MANAGEOTHER (SPECIFY)DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDIncluding your (farm/ranch) business, in how many (farms/ranches), privately-held businesses, professional practices, limited partnerships, or other business investments that are not publicly traded do {#_famfill5} own or share ownership in and also have an active management role?In how many such privately-held businesses or investments do {#_famfill5} have an active management role?{textfill} <span class = "INTVR">RECORD DETAILS FOR EACH BUSINESS SEPARATELY. EXCEPTION: TREAT BUSINESSES MANAGED TOGETHER AS ONE BUSINESS, IF THAT IS EASIER FOR R.</span> NUMBER OF BUSINESSES:CodesDON'T KNOWREFUSEDHowIn total howthis businessthese businesses{#_QF5text} many people work for {#_QF5text2}, including {#_famfill14}?CodesDON'T KNOWREFUSEDbusinessbusinessesThese next few questions are about the relationship between {#_famfill8} personal finances and the finances of {#_famfill8} {#_QF6text}. Are {#_famfill5} using personal assets as collateral or did you have to cosign or guarantee any loans for {#_QF5text2}?DON'T KNOWREFUSEDWhich of these did you do? Collateralize a loan, guarantee a loan, or both?COLLATERALIZEGUARANTEEBOTHDON'T KNOWREFUSEDguaranteedcollateralizedguaranteed or collateralized{correct_it}<br/>In total, how much is {#_qf8fill}? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDid I record this earlier?DON'T KNOWREFUSEDWhich loan was that?Credit card or store debtMortgage debtOther home purchase loanLoan for other real estateLine of creditOther (SPECIFY)DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDdoes the businessdo the businessesOther than guarantees, {#_qf11fill} owe {#_famfill5} any money?DON'T KNOWREFUSED{correct_it}<br/>In total, how much is owed? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberbusinessbusinessesHas the businessHave any of the businessesthe businessany of your businessesDo {#_famfill5} owe the {#_qf13fill1} any money?DON'T KNOWREFUSED{correct_it}<br/>How much do {#_famfill2} owe? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDid I record this earlier in the interview?DON'T KNOWREFUSEDWhich loan was that?Credit card or store debtMortgage debtHome equity loanOther home purchase loanHome improvement loanLoan for other real estateLine of creditOther (SPECIFY)DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDshare the businessshares the businesses{correct_it}<br/>What is the net worth of the {#_qf17fill} owned by {#_famfill14}? <span class = "INTVR">PROBE:</span> What could you sell it for? <span class = "INTVR">THE VALUE SHOULD BE NET OF ANY LOANS. IF R GIVES A RANGE, PRESS [F9] KEY.</span> CODE NOTHING AS ZERO.CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{#_qf13fill2} applied for any type of credit or loan in the last two years? <span class = "INTVR">INCLUDE PRE-APPROVED CREDIT THAT BUSINESS ACCEPTED.</span>DON'T KNOWREFUSEDIn the past two years, has a particular lender or creditor turned down any request {#_qf13fill3} made for credit, or not given the business as much credit as requested? <span class = "INTVR">IF YES, PROBE:</span> Turned down, or not as much credit? <span class = "INTVR">IF TURNED DOWN AND NOT AS MUCH CREDIT, ASK WHICH IS MORE RECENT.</span>Yes, turned downYes, not as much creditNoDON'T KNOWREFUSEDDid the business later obtain the full amount requested, either by reapplying to the same institution or by applying elsewhere?YES, BY REAPPLYINGYES, BY APPLYING ELSEWHEREDid Not ReapplyNODON'T KNOWREFUSEDturned down for creditunable to get as much credit as the business applied forOn the most recent occasion, what reasons were given for being {#_qf21fill}?CodesDON'T KNOWREFUSEDWas there any time in the past two years that {#_qf13fill3} thought of applying for credit at a particular place, but decided not to because it was thought it might be turned down?DON'T KNOWREFUSEDOn the most recent occasion, why did you expect to be turned down?CodesDON'T KNOWREFUSEDDo {#_famfill14} own or share ownership in any other businesses or business investments that are not publicly traded and where you do NOT have an active management role? <span class = "INTVR">IF YES:</span> Please do not include any assets reported earlier.DON'T KNOWREFUSEDIn how many businesses do {#_famfill2} own or share ownership where you do not have an active management role? NUMBER:CodesDON'T KNOWREFUSED{correct_it}<br/>What could you sell {#_famfill8} share for? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberThis is the end of Section FSection F end dateSection F end timeOther than any vehicles provided by a business...<br/>What model year, make and model is this vehicle?Now I'd like to get some information on {#_famfill8} vehicles. Some people have cars or other vehicles provided to them by a business for personal and business use. Do {#_famfill5} have any such business vehicles?DON'T KNOWREFUSEDHow many such vehicles do {#_famfill7} regularly use? NUMBER OF VEHICLES:CodesDON'T KNOWREFUSEDAre {#_famfill14} currently leasing any cars or other vehicles?DON'T KNOWREFUSEDNot counting vehicles leased by a business, howHow{#_q560txt} many cars or other vehicles do {#_famfill2} lease? NUMBER OF VEHICLES:CodesDON'T KNOWREFUSEDHowIn total, how{correct_it}<br/>{#_qg1fill} much are the lease payments? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY. IF NO REGULAR PAYMENT, PRESS [F6] KEY.</span>CodesR GAVE RANGENO REGULAR PAYMENTDON'T KNOWREFUSEDDollar Probe Iteration NumberDo {#_famfill14} own any cars, or any kind of truck, van or sport utility vehicle (SUV)?<br/>Do not include motorcyles, tractors, snow blowers, etc., or any vehicles owned by a business. <span class="INTVR">INCLUDE VEHICLES THAT ARE (OR COULD EASILY BE) IN RUNNING CONDITION.</span>DON'T KNOWREFUSEDAltogether, how many such cars or vehicles do {#_famfill14} own? <span class="INTVR">INCLUDE VEHICLES THAT ARE (OR COULD EASILY BE) IN RUNNING CONDITION.</span> NUMBER OF OWNED VEHICLES:CodesDON'T KNOWREFUSEDis this vehiclein total are these vehiclesitthemthis vehiclethese vehiclesthis loanthese loans{correct_it}<br/>How much {#_qg3fill1} worth? (What would you get if you sold {#_qg3fill2} today?) <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberNot counting loans I have already recorded, is any money still owed on loans for {#_qg3fill3}?DON'T KNOWREFUSED<br/>Altogether, about how much is still owed on {#_qg3fill4}? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much are the payments on {#_qg3fill4}? <span class = "INTVR"> IF R GIVES A RANGE, PRESS [F9] KEY. IF NO REGULAR PAYMENT, PRESS [F6] KEY.</span>CodesR GAVE RANGENO REGULAR PAYMENTDON'T KNOWREFUSEDDollar Probe Iteration NumberDo {#_famfill14} own any other vehicles such as a motor home, RV, motorcycle, boat, or airplane?<br/><br/>INCLUDE ANIMAL TRAILERS, GOLF CARTS, SNOWMOBILES, GLIDERS, ETC.<br/>DO NOT INCLUDE TRACTORS AND LAWN MOWERSDON'T KNOWREFUSEDAltogether, how many of these other vehicles do {#_famfill7} own?<br/><br/>NUMBER OF VEHICLES:CodesDON'T KNOWREFUSEDis the vehicleare all the other such vehiclesthis vehiclethese vehiclesthis loanthese loans{correct_it}<br/>How much {#_qg8fill1} that {#_fill_g_1} own worth? <span class = "INTVR">IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE ONLY THE PEU'S SHARE. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberNot counting loans I have already recorded, is any money still owed on loans for {#_qg8fill1a}?DON'T KNOWREFUSED{correct_it}<br/>Altogether, about how much is still owed on {#_qg8fill2}? <span class = "INTVR">IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE ONLY THE PEU'S SHARE. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much are the payments on {#_qg8fill2}? <span class = "INTVR"> IF PEU OWNS ONLY PART OF THE REMAINING VEHICLES, INCLUDE ONLY THE PEU'S SHARE. IF R GIVES A RANGE, PRESS [F9] KEY. IF NO REGULAR PAYMENT, PRESS [F6] KEY.</span>CodesR GAVE RANGENO REGULAR PAYMENTDON'T KNOWREFUSEDDollar Probe Iteration NumberThis is the end of Section GSection G end dateSection G end timeDo {#_famfill2} owe any money or have any loans for educational expenses? <span class = "INTVR">IF YES:</span> Please do not include any credit cards or other loans I have already recorded. <span class = "INTVR">DO NOT INCLUDE TUITION BILLS THAT HAVE ARRIVED BUT ARE NOT YET PAID.</span>DON'T KNOWREFUSEDHow many such loans are there? <span class = "INTVR">IF ORIGINALLY MANY LOANS, BUT NOW CONSOLIDATED, RECORD THE CONSOLIDATED NUMBER. IF MULTIPLE LOANS FROM ONE SOURCE THAT ARE TREATED BY THE LENDER AS ONE ACCOUNT, TREAT AS ONE LOAN HERE.</span> NUMBER OF LOANS:CodesDON'T KNOWREFUSEDthis loanany of these loansin totalthistheseloanloansAre the payments on {#_qh1fill} currently deferred?DON'T KNOWREFUSED{correct_it}<br/>How much {#_qh1fill2} do {#_famfill5} owe on {#_qh1fill3} education {#_qh1fill4}? That is, how much would it cost to pay off the {#_qh1fill4} now. <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much {#_qh1fill2} are the payments on {#_qh1fill3} {#_qh1fill4}? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY. PRESS [F6] FOR NO REGULAR PAYMENT </span>CodesRANGE GIVENNO REGULAR PAYMENTDON'T KNOWREFUSEDDollar Probe Iteration NumberThis is the end of Section HSection H end dateSection H end timeDo {#_famfill14} have any other loans? (These may be loans for household appliances, furniture, hobby or recreational equipment, medical bills, loans from friends or relatives, loans for a business or investment, or other loans.) <span class = "INTVR">IF YES, SAY:</span> Please do not include credit cards or other loans I have already recorded in detail. <span class = "INTVR">DO NOT INCLUDE GIFTS/LOANS R IS NOT EXPECTED TO REPAY DO NOT INCLUDE OUTSTANDING BILLS UNLESS THEY ARE MORE THAN 30 DAYS PAST DUE</span>DON'T KNOWREFUSEDHow many such loans do you have? NUMBER OF LOANS:CodesDON'T KNOWREFUSEDlargestin totalthis loanthese loansallWhat was the {#_qi1fill1} loan for? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much {#_qi1fill2} is owed on {#_qi1fill3}? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much {#_qi1fill2} are {#_qi1fill4} the payments on {#_qi1fill3}? <span class = "INTVR"> IF R GIVES A RANGE, PRESS [F9] KEY. IF NO REGULAR PAYMENT, PRESS [F6] KEY.</span>CodesR GAVE RANGENO REGULAR PAYMENTDON'T KNOWREFUSEDDollar Probe Iteration NumberDuring the past year, have {#_famfill14} taken out a "payday loan," that is, borrowed money that was supposed to be repaid in full out of your next paycheck? <span class = "INTVR">IF YES:</span> Please do not include personal loans from family members and friends.YESNODON'T KNOWREFUSEDNow thinking of all the various loan or mortgage 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?All paid as scheduled OR AHEAD OF SCHEDULESometimes got behind or missed paymentsDON'T KNOWREFUSEDWere you ever behind in your payments by two months or more?DON'T KNOWREFUSEDSince January 2007, have you {#_orHWP_shared} filed for bankruptcy?DON'T KNOWREFUSEDWhen was that? IF MORE THAN ONCE, ASK: When was the most recent time?ENTER 'NUMBER OF YEARS AGO'ENTER YEARDON'T KNOWREFUSEDNUMBER OF YEARS AGO:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSEDCHECKPOINT: HOME REPORTED AS FORECLOSED EARLIERHave you {#_orHWP_shared} ever had a foreclosure proceeding brought against a property you have owned?DON'T KNOWREFUSEDWhat year was that? <span class = "INTVR">IF MORE THAN ONCE, ASK:</span> When was the most recent time?CodesDON'T KNOWREFUSEDDid you lose the property as a result?DON'T KNOWREFUSEDDid you attempt to contact your lender to work out an arrangement to avoid foreclosure?DON'T KNOWREFUSEDWas the property you lost your home?DON'T KNOWREFUSEDThis is the end of Section ISection I end dateSection I end timethis expensethese expensesyouyou and everyone else in your familyNow I'd like to ask some questions about {#_famfill8} attitudes about saving and planning for the future. People have different reasons for saving, even though they may not be saving all the time. What are {#_famfill8} most important reasons for saving? <span class = "INTVR">IF R SAYS THEY DON'T/CAN'T SAVE ASK:</span> If you were saving now, what would be the most important reason you would have to save? <span class = "INTVR">PROBE:</span> What else? <span class = "INTVR">TREAT 'SAVING' AND 'INVESTING' THE SAME.</span>CodesDON'T KNOWREFUSEDIn the next five to ten years, are there any foreseeable major expenses that {#_famfill5a} expect to have to pay for {#_famfill5b}, such as educational expenses, purchase of a new home, health care costs, support for other family members, or anything else?DON'T KNOWREFUSEDWhat kinds of obligations are these? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> ENTER RESPONSE #1:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #3:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #4:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #5:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #6:PLEASE SPECIFY.CodesDON'T KNOWREFUSEDAre you saving for {#_thisthese} now?YESNOALREADY SAVED FOR ITDON'T KNOWREFUSED?: the next few months, the next year, the next few years, the next 5 to 10 years, or longer than 10 years?In planning {#_famfill8} saving and spending, which of the time periods listed on this page is most important to {#_famfill2}{#_Q739text}NEXT FEW MONTHSNEXT YEARNEXT FEW YEARSNEXT 5-10 YEARSLONGER THAN 10 YEARSDON'T KNOWREFUSED?<br/><br/><span class = "INTVR">READ RESPONSES IF NECESSARY.</span>statements on this pagefollowing statementsdescribingWhich of the {#_Q740text1} comes closest to {#_Q740text2} the amount of financial risk that you {#_andHWP} are willing to take when you save or make investments? <span class = "INTVR">{read}INTERVIEWER: IF MORE THAN ONE RESPONSE IS GIVEN USE THE FIRST CATEGORY THAT APPLIES.</span>Take substantial financial risks expecting to earn substantial returnsTake above average financial risks expecting to earn above average returnsTake average financial risks expecting to earn average returnsNot willing to take any financial risksDON'T KNOWREFUSEDon this pageWhich of the following statements {#_Q741text} comes closest to describing your {#_andHWPs_shared} saving habits? <span class = "INTVR">{read} INTERVIEWER: DO NOT PROBE FOR MORE THAN ONE RESPONSE. ENTER MULTIPLE RESPONSES ONLY IF R VOLUNTEERS THEM. TREAT SAVING AND INVESTING THE SAME.</span> <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> ENTER RESPONSE #1:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #3:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #4:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #5:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #6:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #7:DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDOver the past year, would you say that {#_famfill8} spending exceeded {#_famfill8} 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.) <span class = "INTVR">IF DEBTS ARE BEING REPAID ON NET, TREAT THIS AS SPENDING LESS THAN INCOME.</span>SPENDING EXCEEDED INCOMESPENDING SAME AS INCOMESPENDING WAS LESS THAN INCOMEDON'T KNOWREFUSEDDid any of that spending include purchases of a home or automobile or spending for any investments?DON'T KNOWREFUSED{#_Q745fill}, over the past year, would you say that {#_famfill8} spending exceeded {#_famfill8} income, that it was about the same as your income, or that you spent less than your income?SPENDING EXCEEDED INCOMESPENDING SAME AS INCOMESPENDING WAS LESS THAN INCOMEDON'T KNOWREFUSEDTo make up the difference, did you borrow additional money, did you spend out of savings or investments, or did you do something else?BORROWED MONEYSPENT OUT OF SAVINGS/INVESTMENTSOTHERDON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSED{correct_it}<br/>About how much do you think {#_fill_t_5} need to have in savings for emergencies and other unexpected things that may come up? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberWhen the things that my {#_HWP} and I own <b><u>increase</u></b> in value, we are <b><u>more</u></b> likely to spend money.When the things that I own <b><u>increase</u></b> in value, I am <b><u>more</u></b> likely to spend money.{text_J12}DON'T KNOWREFUSEDWhen the things that my {#_HWP} and I own <b><u>decrease</u></b> in value, we are more likely to spend <b><u>less</u></b> money.When the things that I own <b><u>decrease</u></b> in value, I am more likely to spend <b><u>less</u></b> money.{text_QJ1}DON'T KNOWREFUSEDAside from any purchases of assets, would you say that {#_famfill8} overall expenses over the past year were unusually high or low compared to what you would expect in a "normal" year, or were they about normal?HighLowNormalDON'T KNOWREFUSEDIn an emergency, could you {#_orHWP_shared} get financial assistance of $3,000 or more from any friends or relatives who do not live with you?DON'T KNOWREFUSEDThis is the end of Section JSection J end dateSection J end timeAre theseIs this aaccountsaccountAre theyIs thisall of yourthisIRAsIRAaantypestypeyouryour husband'syour wife'syour spouse'syour partner'syour other family members'youyour husbandyour wifeyour spouseyour partneryour other family membersyouyour husbandyour wifeyour spouseyour partnertheythis accountthese accountsPLEASE SPECIFY.NOT A FINANCIAL INSTITUTION (SPECIFY)Is this a joint checking account, or is the account in your name, in your {#_HWP}'s name, or something else?Is this checking account in your name, or something else?Is this a joint checking account, or is the account in your name?Are any of the IRA or Keogh accounts yours?Does your {#_HWP} have IRA or Keogh accounts?Do any other family members living here have IRA or Keogh accounts?How many IRA and Keogh accounts do {#_famfill16} have?How many IRA and Keogh accounts does your {#_HWP} have?Including any rollovers from past job pensions, how many IRA and Keogh accounts do your other family members have?Is this account a Roth IRA, an account {#Q7017} rolled over from a pension into an IRA, some other type of IRA, or a Keogh?Are these accounts Roth IRAs, accounts {#Q7017} rolled over from pensions into IRAs, some other types of IRAs, or Keoghs?Is this accountAre these accountsWhat is the total dollar value of all these CDs?What is the total dollar value of this CD?Is this CD held jointly, or is it in your name, in your {#_HWP}'s name, or something else?Is this CD {#_famfill_n_1}Is most of the money in these CDs held jointly, or is most of it in your name, in your {#_HWP}'s name, or something else?Is most of the money in these CDs {#_famfill_n_1}Is this a joint account, or is the account in your name, in your {#_HWP}'s name, or something else?Is this account in your name or something else?Is this a joint savings account, or is the account in your name?I need to know what types of funds you have.(IF R ASKS, STOCK FUNDS INCLUDE DOMESTIC STOCK FUNDS, GROWTH FUNDS, INDEX FUNDS, GLOBAL STOCK FUNDS, SECTOR FUNDS, AND ANY OTHER TYPE OF FUND PRIMARILY INVESTED IN STOCK.)THESE FUNDS INCLUDE MUNICIPAL BONDS ('MUNIs') AND OTHER TAX-EXEMPT BONDSTHESE FUNDS INCLUDE U.S. TREASURY BILLS AND BONDS AND OTHER U.S. GOVERNMENT-SPONSORED BONDS.THESE FUNDS INCLUDE COPORATE BONDS, COMMERCIAL PAPER, JUNK BONDS, AND ALL REMAINING TYPES OF BONDSCOMBINATION FUNDS ('BALANCED FUNDS') HOLD BOTH STOCK AND BONDS; ALSO INCLUDE REITs, AND MISC. TYPES OF FUNDSWhat is the total market value of all of the {indexFill} that {#_famfill2} have?What is the total market value of all of the combination funds that {#_famfill2} have?What is the total market value of all of the government or government backed bond mutual funds that {#_famfill2} have?What is the total market value of all these other funds that {#_famfill2} have?I need to know what types of bonds or bills you have. Do you have mortgage-backed bonds such as those from 'Ginnie-Mae', 'Fannie-Mae' or 'Freddie-Mac'?Do you have. . . {indexFill}?INCLUDE U.S. GOVERNMENT BILLS AND BONDS AS WELL AS ALL U.S. GOVERNMENT AGENCY BONDSALSO INCLUDE 'REVENUE BONDS,' 'INDUSTRIAL DEVELOPMENT BONDS,' AND OTHER BONDS ISSUED BY STATE AND LOAN GOVERNMENTSINCLUDE BONDS ISSUED BY FOREIGN GOVERNMENTS OR COMPANIESINCLUDE CORPORATE BONDS, COMMERCIAL PAPER, JUNK BONDS, AND MISC. BONDS NOT ALREADY MENTIONEDWhat is the face value of all of the {indexFill} that {#_famfill5} have?What is the face value of all of the state or municipal bonds, or other taxfree bonds that {#_famfill5} have?(SHOW CARD 10)Do {#_famfill14} receive income from or have assets in an annuity? Please do not include job pensions.Do {#_famfill14} have income from or have assets in a trust or managed investment account?Did {#_famfill5} purchase these annuities using or rolling over a lump-sum distribution or settlement from a past job pension?Does this include any assets I have already recorded?How much income did {#_famfill5} receive in {#Q55} from the {indexFill} you could not cash in?How much income did {#_famfill5} receive in {#Q55} from all the {indexFill}?Other than this term insurance, what is the current face value of all the life insurance {#_famfill2} own?What is the current face value of all the life insurance {#_famfill2} own?About the most valuable of these... What kind of asset is it?What kind of asset is it?AMOUNT IN REMAINING ACCOUNTS: {#Q828}Continue With Next Other AccountYesLast Resort! Go To MOPUPNoNow I'd like to ask about different types of financial assets that you might have. First, do {#_famfill14} have any checking accounts at any type of institution?<br/><br/>IF YES: Please do not include any money market accounts unless you use them regularly as checking accounts. <span class = "INTVR">DO NOT INCLUDE LOAN ACCOUNTS OR CREDIT CARDS WITH CHECK-WRITING PRIVILEGES. DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE.</span>DON'T KNOWREFUSEDHow many checking accounts do {#_famfill2} have? <span class="INTVR">(IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS ONLY IF THEY ARE USED AS CHECKING ACCOUNTS) DO NOT INCLUDE BUSINESS ACCOUNTS. DO NOT INCLUDE LOAN ACCOUNTS OR CREDIT CARDS WITH CHECK-WRITING PRIVILEGES. DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE.</span> NUMBER OF CHECKING ACCOUNTS:CodesDON'T KNOWREFUSEDin totalthis checking accountall {#_famfill8} checking accounts{correct_it}<br/>How much {#_QN1TEXT} is in {textfill}? <span class = "INTVR">PROBE:</span> What was the average over the last month? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberAs we continue through the interview, I will be asking you about several types of retirement assets you may have, such as IRAs, annuities, and pensions or retirement accounts you may have through a current or past job. Here, I would like to ask just about IRAs and Keogh accounts. These may include accounts that you 'rolled over' into an IRA after leaving a previous job as well as Roth IRAs, or any other type of IRA or Keogh account that is not part of a retirement plan on a current or past job. Do {#_famfill14} have any Keoghs or IRAs? <span class="INTVR">IF YES, SAY:</span> Please do not include IRA-SEP or IRA-SIMPLE accounts, which we treat as job pensions. <span class="INTVR">'EDUCATION IRAs' ARE SAVINGS ACCOUNTS.</span>DON'T KNOWREFUSEDHow many such accounts do {#_famfill5} have?CodesDON'T KNOWREFUSEDthis accountall these accountstotal{correct_it}<br/>What is the {#_QN3text2} amount in {#_QN3text}? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Numberthis accountthese accountsHow is the money in {#_QN4text} invested? Is it all in stocks, all in interest-earning assets, is it split between these, or something else? <span class = "INTVR">IF R SAYS 'MUTUAL FUND', PROBE FOR WHETHER IT IS A STOCK FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES.</span>ALL IN STOCKSALL IN INTEREST EARNING ASSETS/BONDSSPLITMUTUAL FUND (NOT A PREFERRED RESPONSE)OTHERDON'T KNOWREFUSEDAbout what percent is in stocks? RECORD PERCENT:CodesDON'T KNOWREFUSEDDid {#_famfill14c} take any withdrawals from {#_QN4text} in 2008?DON'T KNOWREFUSED{correct_it}<br/>How much in total was withdrawn in 2008? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDo {#_famfill14} have any CDs or certificates of deposit at financial institutions? <span class = "INTVR">IF YES:</span> Please do not include CDs that are part of IRAs or Keoghs I have already recorded. <span class = "INTVR">IF R ASKS:</span> CDs are certificates held for a set period of time that must be cashed or renewed at the maturity date. <span class = "INTVR">INCLUDE 'BANKERS ACCEPTANCES' AND 'REPURCHASE AGREEMENTS'. DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE.</span>DON'T KNOWREFUSEDAltogether, how many such CDs do {#_famfill2} have? <span class = "INTVR">INCLUDE 'BANKERS ACCEPTANCES' AND 'REPURCHASE AGREEMENTS'. DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE.</span> NUMBER OF CERTIFICATES:CodesDON'T KNOWREFUSED{correct_it}<br/>{QTFill} <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberSAVINGS/MONEY MARKET Do {#_famfill14} have any savings or money market accounts? These could be traditional savings accounts, Coverdell or 529 education accounts, Christmas Club accounts, or any type of savings or money market account I have not already recorded. <span class = "INTVR">IF YES, SAY:</span> Please do not include flexible spending accounts or accounts that are part of a pension plan. <span class = "INTVR">A MONEY MARKET ACCOUNT HAS AN INTEREST RATE THAT VARIES FROM MONTH TO MONTH, AND IT USUALLY HAS LIMITED CHECKING PRIVILEGES. COVERDELL ACCOUNTS AND STATE-SPONSORED '529' ACCOUNTS ARE EDUCATIONAL SAVINGS PLANS (ESAs). DO NOT INCLUDE CUSTODIAL ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE. INCLUDE ALL ACCOUNTS IN WHICH THE FAMILY HAS ANY ASSET INTEREST.</span>DON'T KNOWREFUSEDSAVINGS/MONEY MARKET How many such accounts do {#_famfill2} have? <span class = "INTVR">DO NOT INCLUDE ACCOUNTS HELD FOR PEOPLE NOT IN THE FAMILY LIVING HERE.</span> NUMBER OF ACCOUNTS:CodesDON'T KNOWREFUSEDin totals??{correct_it} How much {#_QN8TEXT} is in {#_famfill8} account{#_QN8TEXT_2} What was the average over the last month? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Numbertypes of account are thesetype of account is thisWhat {#_QN9TEXT}) -- a traditional savings account, a Coverdell or 529 educational account, a money market account, or some other type of account? <span class = "INTVR">PASSBOOK AND STATEMENT ACCOUNTS ARE TRADITIONAL SAVINGS ACCOUNTS. COVERDELL ACCOUNTS AND STATE-SPONSORED '529' ACCOUNTS ARE EDUCATIONAL SAVINGS PLANS (ESAs). DO NOT INCLUDE EMPLOYER-SPONSORED FLEXIBLE SPENDING PLANS.</span> <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> ENTER RESPONSE #1:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #3:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #4:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #5:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #6:What else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #7:these accountsthis accountIs any of the money in {#_QN10TEXT} invested in stocks or stock mutual funds?DON'T KNOWREFUSEDAbout what percent is in stocks or stock mutual funds? RECORD PERCENT:CodesDON'T KNOWREFUSEDDo {#_famfill14} have any mutual funds or hedge funds? <span class = "INTVR">IF YES:</span> Please do not include any pension or 401(k) accounts, funds held as a part of a trust or annuity, or assets you have already told me about. <span class = "INTVR">INCLUDE OPEN-END AND CLOSED-END FUNDS, UNIT TRUSTS, EQUITY TRUSTS, LOAD AND NO-LOAD FUNDS, COMMODITY POOLS, REITs (REAL ESTATE INVESTMENT TRUSTS), MORTGAGE TRUSTS, AND ALL OTHER TYPES OF MUTUAL FUNDS.</span>DON'T KNOWREFUSEDIn how many different mutual funds does {#_famfill1} own shares? <span class = "INTVR">(INTERVIEWER: WE WANT THE NUMBER OF FUNDS, NOT THE NUMBER OF FUND MANAGEMENT COMPANIES.)</span> NUMBER OF MUTUAL FUNDS:CodesDON'T KNOWREFUSEDtotalall these fundsthis fund{correct_it}<br/> What is the {#_QN12TEXT} market value of {#_QN12TEXT_2}? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Numberthese fundsthis fundHow is the money in {#_QN13TEXT} invested? Is it all in stocks, all in interest-earning assets, is it split between these, or something else?ALL IN STOCKSALL IN INTEREST EARNING ASSETS/BONDSSPLITOTHERDON'T KNOWREFUSEDAbout what percent is in stocks? RECORD PERCENT:CodesDON'T KNOWREFUSEDDo {#_famfill5} have any U.S. government savings bonds? <span class = "INTVR">OLDER SAVINGS BONDS MAY BE SERIES E AND H. MORE RECENT SAVINGS BONDS INCLUDE SERIES EE, HH, AND I. ONE WAY SAVINGS BONDS CAN BE PURCHASED IS BY PAYROLL DEDUCTION.</span>DON'T KNOWREFUSED{correct_it}<br/>What is the total face value of all the savings bonds that {#_fill_t_5} have? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDo {#_famfill14} have any other corporate, municipal, government, or other types of bonds or bills? <span class = "INTVR">IF YES:</span> Please do not include bonds or bills held in pension accounts, or any other accounts I have already recorded.DON'T KNOWREFUSEDHow many different bonds or bills do {#_famfill7} own? <span class = "INTVR">WE WANT THE NUMBER OF INDIVIDUAL BONDS, NOT THE NUMBER OF TYPES OR COMPANIES.</span> NUMBER OF BONDS OR BILLS:CodesDON'T KNOWREFUSED{correct_it}<br/>What is the face value of all of the bonds {#_famfill2} have? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>What is the total market value? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDo {#_famfill14} own any stock which is publicly traded? <span class = "INTVR">IF YES:</span> Please do not include stock held through pension accounts, or assets that I have already recorded.DON'T KNOWREFUSEDIn how many different companies do {#_famfill5} own stock? <span class = "INTVR">WE WANT THE NUMBER OF COMPANIES IN WHICH R OWNS STOCK, NOT THE NUMBER OF INDIVIDUAL SHARES. </span> NUMBER OF COMPANIES:CodesDON'T KNOWREFUSED{correct_it}<br/>What is the total market value of this stock? <span class = "INTVR">IF R BOUGHT THE STOCK 'ON MARGIN' (BORROWED ON THE STOCK TO BUY IT), WE WANT THE GROSS VALUE OF THE STOCK. IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDo {#_famfill14} have a brokerage account for the purchase or sale of stocks and other securities? <span class = "INTVR">INCLUDE INACTIVE ACCOUNTS IF THEY ARE LEGALLY STILL OPEN</span>DON'T KNOWREFUSEDOver the past year, about how many times did {#_famfill14} buy or sell stocks or other securities through a broker? <span class = "INTVR">ENTER ZERO FOR NONE.</span>CodesDON'T KNOWREFUSED<span class = "INTVR">INTERVIEWER: CODE WITHOUT ASKING IF AREADY MENTIONED. IF ANSWER IS ZERO, CODE 'IN TOTAL'.</span> TIMES PER:DAYWEEKMONTHQUARTERYEARIN TOTALOTHERDON'T KNOWREFUSEDNAPLEASE SPECIFY.CodesDON'T KNOWREFUSEDNot including any accounts you've told me about, do {#_famfill14} have a 'cash' or 'call money' account at a stock brokerage? <span class = "INTVR">(IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY RECEIVED FROM THE SALE OF STOCK UNTIL THE MONEY IS REINVESTED.)</span>DON'T KNOWREFUSED{correct_it}<br/>What is the total dollar value of all the cash or call money accounts that {#_famfill2} have? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDo {#_famfill14} currently have any margin loans at a stock brokerage? <span class = "INTVR">IF YES, SAY:</span> Please do not include any loans I have already recorded.DON'T KNOWREFUSED{correct_it}<br/>Altogether, what is the current balance on these margin loans? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{QTFill_2} {QTFill_3}DON'T KNOWREFUSEDAre these trusts or managed investment accounts? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> ENTER RESPONSE #1DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class="INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #3:DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDDid {#\._famfill5} set up the trust, or did you receive it from someone else? <span class = "INTVR">TREAT DECEASED SPOUSE AS SELF.</span>SELF/FAMILY LIVING THEREANOTHER PERSONDON'T KNOWREFUSED{QTFill}DON'T KNOWREFUSEDWhich ones? (SPECIFY)CodesDON'T KNOWREFUSEDBesides those, do {#\._famfill5} have any other assets in a trust or managed investment account?DON'T KNOWREFUSEDCould {#\._famfill5} cash in any of these {@} if you wanted to? That is, do you have an equity interest in any of the {@}? <span class = "INTVR">WE DO NOT CARE IF THERE IS A PENALTY FOR CASHING IN THE {type}.</span>DON'T KNOWREFUSED{correct_it}<br/>About what would the current value be for the part of the accounts to which {#_famfill5} have rights? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span> AMOUNT:CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much would you receive if you cashed in these {@}? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span> AMOUNT:CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberalsoDo {#\._famfill5} also have {indexFill} which you could not cash in?DON'T KNOWREFUSEDHow is the money in {#_q921fill} {@} invested? Is all of it in stocks, all of it in interest-earning assets, is it split between these, or something else? <span class="INTVR">IF R SAYS 'MUTUAL FUND', PROBE FOR WHETHER IT IS A STOCK FUND, A BOND FUND, OR ONE SPLIT OVER BOTH TYPES.</span>ALL IN STOCKSALL IN INTEREST EARNING ASSETS/BONDSSPLITMUTUAL FUND (NOT A PREFERRED RESPONSE)GIC/GUARANTEED INCOME CONTRACTOTHERDON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDAbout what percent is in stocks? <br/><br/>RECORD PERCENT:CodesDON'T KNOWREFUSEDDo {#_famfill14} have any life insurance? Please include individual and group policies, but not accident insurance. <span class = "INTVR">DO NOT INCLUDE INSURANCE THAT ONLY PAYS IN SPECIAL CIRCUMSTANCES (FOR EXAMPLE, ACCIDENT LIFE INSURANCE).</span>DON'T KNOWREFUSEDThe two major types of life insurance are term and cash value policies. Term policies pay a benefit if the insured person dies, but otherwise have no value. They are often provided through an employer or union, but may also be bought by individuals. Cash value policies also pay a death benefit, but differ in that they build up a value as premiums are paid. Are any of {#_famfill8} policies term insurance?DON'T KNOWREFUSED{correct_it}<br/>What is the current face value of all the term life policies that {#_famfill2} have? <span class = "INTVR">(THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH) IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDo you have any policies that build up a cash value or that you can borrow on? These are sometimes called 'whole life', 'straight life', or 'universal life' policies. <span class = "INTVR">DO NOT INCLUDE ANY INSURANCE ANNUITIES ALREADY RECORDED.</span>DON'T KNOWREFUSED{correct_it}<br/>What is the current face value of all of the policies that build up a cash value? <span class = "INTVR">(THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH.) IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>If you cancelled these policies now, how much would you receive from the insurance company for the payments you have made up to now? That is, what is the current 'cash value' of the policies? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberAre {#_famfill7} borrowing against these policies?DON'T KNOWREFUSEDIs the cash value you just gave me the net cash value, that is the total cash value minus the loan, or is it the gross cash value?NetGrossDON'T KNOWREFUSEDDid I record these loans earlier in the interview?DON'T KNOWREFUSEDWhere did you tell me about these loans?Credit card or store debtMortgage debtHome equity loanOther home purchase loanHome improvement loanLoan for other real estateLine of creditBusiness loanVehicle loanEducation loanOther installment loanMargin loanInsurance loanPension loanOtherDON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSED{correct_it}<br/>How much is currently borrowed? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>Typically how much are the payments on these loans? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY. IF NO TYPICAL PAYMENT, PRESS [F6].</span>CodesNO TYPICAL PAYMENTRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberWe have talked about various types of savings, investments, and loans. Other than what I have already recorded, are {#_famfill14} owed any money by friends, businesses, or others? <span class = "INTVR">(WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS.)</span>DON'T KNOWREFUSED{correct_it}<br/>Altogether, how much are you owed? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberWhat type of loan or investment is this?CodesDON'T KNOWREFUSEDOther than pension assets and other such retirement assets, do {#_famfill14} have any other substantial assets that I haven't already recorded -- for example, artwork, precious metals, antiques, oil and gas leases, futures contracts, future proceeds from a lawsuit or estate that is being settled, royalties, or something else? <span class = "INTVR">(DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING ACCOUNTS HERE.)</span>DON'T KNOWREFUSED{QTFill} <span class = "INTVR">INTERVIEWER: GROUP ONLY SIMILAR ITEMS, STARTING WITH THE MOST VALUABLE GROUP.</span>CodesDON'T KNOWREFUSED{correct_it}<br/>What is the total dollar value that {#\._famfill2} have in this asset? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberDo you have any other such substantial assets?DON'T KNOWREFUSEDDo {#_famfill14} owe any other money not recorded earlier? <span class = "INTVR">WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS. DO NOT INCLUDE LOANS AGAINST PENSION ACCOUNTS BELONGING TO R OR SPOUSE.</span>DON'T KNOWREFUSED{correct_it}<br/>How much is owed? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span>CodesRANGE GIVENDON'T KNOWREFUSEDDollar Probe Iteration NumberWhat type of debt is this?CodesDON'T KNOWREFUSEDThis is the end of Section NSection N end dateSection N end time<span class = "INTVR">THE FOLLOWING QUESTIONS ARE ASKING ABOUT THE SPOUSE/PARTNER'S EMPLOYMENT INTERVIEWER: IF SPOUSE/PARTNER IS PRESENT, TRY TO OBTAIN EMPLOYMENT INFORMATION FROM (HIM/HER) DIRECTLY. INTERVIEWER: WHO IS PROVIDING EMPLOYMENT INFORMATION ABOUT THE {@}?</span>DESIGNATED RESPONDENTSPOUSE/PARTNER_Q977checkfillRESPONDENT REPORTEDRESPONDENT REPORTED SPOUSE/PARTNERSPOUSE/PARTNER REPORTED<span class = "INTVR">INTERVIEWER: CONFIRMING THAT JOB INFORMATION WILL BE PROVIDED BY {#Q977}.</span>CONTINUEGO BACK AND FIXyouyour wifeyour husbandyour spouseyour partneryouryour wife'syour husband'syour spouse'syour partner'sdo youdoes your wifedoes your husbanddoes your spousedoes your partnerhave youhas your wifehas your husbandhas your spousehas your partnerAre youIs sheIs heIs he or sheyou areshe ishe ishe or she isyou wereshe washe washe or she wasDo youDoes sheDoes heDoes he or shedo youdoes shedoes hedoes he or sheyou doshe doeshe doeshe or she doeshave youhas shehas hehas he or shewere youwas shewas hewas he or sheare youis sheis heis he or sheyourherhishis or heryoushehehe or sheyou workshe workshe workshe or she worksyourselfherselfhimselfhim or hershelfyouherhimhim or hersdid youdid your wifedid your husbanddid your spousedid your partneryou didshe didhe didhe or she didyou doshe doeshe doeshe or she doesyour wifeyour husbandyour spouseyour partneryourshershishis or heryou doyour wife doesyour husband doesyour spouse doesyour partner doesRSPFOR TESTING ONLY, CHECK TEXT FILLS: itemLooped.Q978 {#Q978} itemLooped.Q7000 {#Q7000} itemLooped.Q7001 {#Q7001} itemLooped.Q7016 {#Q7016} itemLooped.Q7021 {#Q7021} itemLooped.Q7002 {#Q7002} itemLooped.Q7003 {#Q7003} itemLooped.Q7004 {#Q7004} itemLooped.Q7005 {#Q7005} itemLooped.Q7006 {#Q7006} itemLooped.Q7007 {#Q7007} itemLooped.Q7008 {#Q7008} itemLooped.Q7009 {#Q7009} itemLooped.Q7010 {#Q7010} itemLooped.Q7011 {#Q7011} itemLooped.Q7012 {#Q7012} itemLooped.Q7013 {#Q7013} itemLooped.Q7014 {#Q7014} itemLooped.Q7017 {#Q7017} itemLooped.Q7018 {#Q7018} itemLooped.Q7015 {#Q7015} itemLooped.Q7022 {#Q7022}We are interested in {#Q7000} present job status. {#Q7002} working now, temporarily laid off, unemployed and looking for work, on sick leave, disabled and unable to work, retired, a student, a homemaker, or what? <span class = "INTVR">CODE 'OTHER' ONLY IF AN APPROPRIATE CODE IS NOT AVAILABLE! CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> ENTER RESPONSE #1:DON'T KNOWREFUSEDWork experience is a critical detail in this interview. Without this information, it would be wasting your time to go on with the interview. I will terminate the interview at this point and I would like to thank you for your time.TERMINATE INTERVIEWGO BACK AND CHANGE WORK STATUSWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #2:DON'T KNOWREFUSEDWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #3:DON'T KNOWREFUSEDWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #4:DON'T KNOWREFUSEDWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #5:DON'T KNOWREFUSEDWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #6:DON'T KNOWREFUSEDWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #7:DON'T KNOWREFUSEDWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #8:DON'T KNOWREFUSEDWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #9:DON'T KNOWREFUSEDWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #10:DON'T KNOWREFUSEDWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #11:DON'T KNOWREFUSEDWhat else? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN</span> PREVIOUS ANSWERS: {prevans} ENTER RESPONSE #12:DON'T KNOWREFUSED{cardfill}We are interested in {#Q7000} present job status. {#Q7002} working now, temporarily laid off, unemployed and looking for work, on sick leave, disabled and unable to work, retired, a student, a homemaker, or what? <span class = "INTVR">CODE ALL THAT APPLY: CODE RESPONSES IN THE ORDER THEY ARE GIVEN CODE 'OTHER' ONLY IF AN APPROPRIATE CODE IS NOT AVAILABLE!</span>DON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSEDFOR TESTING ONLY: Q979 = {#Q979}{#Q7005} expect to go back to this job? <span class = "INTVR">INTERVIEWER: IF R IS EXPECTING TO GO BACK TO A JOB, CODE YES.</span>DON'T KNOWREFUSED<table border="1"><tr><td>JAN = 1</td><td>APR = 4</td><td>JUL = 7</td><td>OCT = 10</td></tr><tr><td>FEB = 2</td><td>MAY = 5</td><td>AUG = 8</td><td>NOV = 11</td></tr><tr><td>MAR = 3</td><td>JUN = 6</td><td>SEP = 9</td><td>DEC = 12</td></tr></table><p/> MONTH:CodesDON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSEDbecome disabledretireWhen did {#Q978} {#_Q985text}?ENTER YEARENTER 'AT AGE'ENTER 'NUMBER OF YEARS AGO'DON'T KNOWREFUSEDYEAR:CodesDON'T KNOWREFUSEDAT AGE:CodesDON'T KNOWREFUSEDYEARS AGO:CodesDON'T KNOWREFUSEDUNUSUAL RESPONSE: {#_Q977checkfill} {item_reported} {time_reported}. THIS IMPLIES {@} {item_reported2} AT AGE {age_calc}. PLEASE CONFIRM.At any time during the past twelve months, {#Q7009} unemployed and looking for work?YESNODON'T KNOWREFUSEDpast 12 monthsthis periodOver {#_Q1605text}, how many weeks in total {#Q7009} unemployed and looking for work?CodesDON'T KNOWREFUSED{#Q7002} doing any work for pay at the present time?DON'T KNOWREFUSEDCHECKPOINT: WORK STATUSWORKINGNOT WORKINGIF R IS BOTH SELF-EMPLOYED AND WORKS FOR SOMEONE ELSE, SELECT THE ONE R WORKS FOR THE MOSTIF SP IS BOTH SELF-EMPLOYED AND WORKS FOR SOMEONE ELSE, SELECT THE ONE SP WORKS FOR THE MOSTNext are some questions about {#Q7000} current, main job. {#Q7005} work for someone else, {#Q7010} self-employed, or what? <span class = "INTVR">{#_Q990text} CODE "OTHER" ONLY IF NO OTHER CATEGORY APPLIES AT ALL.</span>Someone elseSelf-employedPARTNERSHIPCONSULTANT/CONTRACTOROTHERDON'T KNOWREFUSEDPLEASE SPECIFY.CodesDON'T KNOWREFUSED{#Q7003} self employed{#Q7012a} in a partnershipnot have a businessnot work in a business that {#\._famfill2} ownEarlier you said {#Q7021} {Q5809text}. Does {#Q7000} share of the place where {Q5852} have a net value?DON'T KNOWREFUSEDDollar Probe Iteration Number{correct_it}<br/>How much is {#Q7000} share worth? <span class = "INTVR">IF R GIVES A RANGE, PRESS [F9] KEY.</span> CODE NOTHING AS ZERO.CodesRANGE GIVENDON'T KNOWREFUSEDWhat share of this business {#Q7001} own? ENTER PERCENT:CodesDON'T KNOWREFUSEDWhat kind of business or industry {#Q7001} work in -- that is, what do they make or do at the place where {#Q7012} work{#Q7015}?