----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CODEBOOK FOR 1995 SURVEY OF CONSUMER FINANCES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Survey of Consumer Finances Board of Governors of the Federal Reserve System Mail Stop 153 Washington, DC 20551 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- To: Users of the 1995 SCF From: Arthur Kennickell, SCF Project Director Date: September 20, 1999 Subject: Description of the Final Release of the 1995 SCF ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- WARNING: This codebook contains over 51,000 lines of text, including this introduction, variable descriptions, the program used to collect the survey data, and other material. Most users will probably NOT want to print the entire document. Generally, we work with the file in electronic form. This codebook serves as the principal guide to the variables included on the final public version (June 3, 1997 version) of the 1995 SCF dataset. However, not every variable included in this codebook is actually in the public use dataset. Among other things, the dataset does NOT include most variables related to the sample design, details of geography, or the 3-digit industry and occupation codes. Although we have attempted to mark the variables in the codebook that are not available to the public, there may be errors or omissions. The definitive list of the variables included is given at the end of this file. Please consult that list to determine whether a given variable is available to you. For a general overview of the 1995 SCF, see Arthur B. Kennickell, Martha Starr-McCluer, and Annika E. Sunden, "Family Finances in the U.S.: Evidence from the Survey of Consumer Finances," Federal Reserve Bulletin, January 1997. Results you may obtain from using this release of the 1995 SCF may differ from those reported in this article for several reasons. First, the Bulletin article is based on an earlier version of the data. Second, the analysis weights used in that article were altered to provide robust estimates of the detailed categories shown: In brief, the data were examined for extreme outliers, and where a given case was overly influential in determining an outcome, the weight was trimmed and other weights were inflated to maintain a constant population. Finally, as noted below, the public version of the data has been systematically altered to minimize the likelihood that unusual individual cases could be identified. Our analysis of the public dataset suggests that these changes should not alter the conclusions of reasonable analyses of the data. QUESTIONNAIRE The 1995 SCF was collected using computer-assisted personal interviewing (CAPI). Thus, there is no questionnaire in the usual sense. This codebook serves as the authoritative guide to the definitions of variables included in the survey. At the end of this file, a copy of the Autoquest (Surveycraft) program that was used to collect the data is included. The AQ program serves as the authoritative reference for questions relating to question ordering and skip sequences. Because question ordering is important in understanding the meaning of many questions, users of the data are encouraged to consult the AQ program. In the survey dataset, many variables have been moved, recoded, or inferred; almost always such changes can be identified from the shadow variables associated with the variables. At the very end of this file, a translation of most AQ variables into SCF variables is provided. However, as noted there, this list is incomplete. Nevertheless, a diligent user should be able to deduce the relationship between all the variables. FILES INCLUDED The full public dataset consists of two pieces in addition to this codebook file. The main dataset, which contains most of the survey variables, is a 470 megabyte file (typically stored as a SAS transport file in zipped form: 8.2 megabytes in this form). A file of of 49.1 megabytes (23.5 megabytes in zipped transport form) contains 999 replicate weights and multiplicity factors intended to be used for variance estimation. VARIABLE NAMES The main data values are stored in the SAS dataset using variable names prefixed by an "X." We have tried, insofar as it was possible, to retain the variable numbering system used in earlier SCFs. Where the content of a variable has changed in a substantive way, we have assigned a new variable number. A small number of questions were added, and a small number were deleted. Each of the variables in the main dataset has a "shadow" variable that describes--in almost all cases--the original state of the variable (i.e., whether it was missing for some reason, a range response was given, etc.). An exception is reported values which have been imputed or otherwise altered to protect the privacy of respondents (see below); such values are not flagged in any systematic way. Users who so desire may use the shadow variables to restore the data to something very close to their original condition. The shadow variables have the same numbers as the main variable, but have a prefix of "J." A list of the values taken by the shadow variables is given in the section below entitled "DISCUSSION OF RANGE DATA COLLECTION AND J-CODES." UNIT OF ANALYSIS Most of the data in the survey are for a subset of the household unit referred to as the "primary economic unit" (PEU). In brief, the PEU consists of an economically dominant single individual or couple (married or living as partners) in a household and all other individuals in the household who are financially dependent on that individual or couple. For example, in the case of a household composed of a married couple who own their home, a minor child, a dependent adult child, and a financially independent parent of one of the members of the couple, the PEU would be the couple and the two children. Summary information is collected at the end of the interview for all household members who are not included in the PEU. Throughout the codebook, we refer to the "head" of the household. The use of this term is euphemistic and merely reflects the systematic way in which the dataset is organized. The head is taken to be the single core individual in a PEU without a core couple. In a PEU with a central couple, the head is taken to be either the male in a mixed-sex couple or the older individual in the case of a same-sex couple. No judgment about the internal organization of the households is implied by this organization of the data. When the original respondent was someone other than the person determined to be the head in this sense, all data (including response codes) were systematically swapped with that person's spouse or partner. The variable X8000 indicates which cases have been subjected to such rearrangement. IMPUTATION The missing data in the survey have been imputed five times by drawing repeatedly from an estimate of the conditional distribution of the data. These imputations are stored as five successive replicates ("implicates") of each data record. Thus, the number of observations in the dataset (21,495) is five times the actual number of respondents (4299); see below in the weight section of the codebook for a discussion of the use of these implicates. The imputation procedure is described in detail in "Imputation of the 1989 Survey of Consumer Finances: Multiple Imputation and Stochastic Relaxation", by Arthur Kennickell. For a general discussion of multiple imputation and its uses, see MULTIPLE IMPUTATION FOR NONRESPONSE IN SURVEYS by Donald B. Rubin, John Wiley and Sons, 1987. The multiple imputations allow users to estimate the amount of uncertainty in estimates that is due to imputation. For users who want to estimate only simple statistics such as means and medians ignoring imputation error, it will probably be sufficient to divide the weights by 5. Users who want to estimate regressions should be cautious in their treatment of the implicates. Many regression packages will treat each of the five implicates as an independent observation and correspondingly inflate the reported significance of results. Users who want to calculate regression estimates, but who have no immediate use for proper significance tests (perhaps for exploratory work), could either regress the average of the dependent and independent values across the implicates, or multiply the standard errors of the regression (on all observations) by the square root of five. For an easily understandable discussion of multiple imputation in the SCF from a user's point of view, see Catherine Montalto and Jaimie Sung, "Multiple Imputation in the 1992 Survey of Consumer Finances," Financial Counseling and Planning, Volume 7, 1996, pages 133-146 (or on the Internet at http://www.hec.ohio-state.edu/hanna/imput.htm). "OTHER" CODES In almost every case where a respondent could supply a response that did not fit in the codeframe offered to interviewers on their computer screens, the CAPI program was constructed to allow the entry of a verbatim response. There were a few open-ended questions that were set up to accept only a verbatim response. All of these responses were run through a standard coding process at NORC. Once the data were at the FRB, strenuous efforts were made to resolve all instances of responses that remained coded as "other." Because all verbatim responses were captured by the CAPI program, the resolution process was simplier than in the past. Such responses that remain are unusual legitimate responses which do not fit within the existing codeframe, and because they appear unlikey to reoccur in future surveys, the codeframe was not augmented. Responses that were not informative were treated as missing values and were imputed. In the 1992 survey, scanned images of the paper questionniares were stored on CD ROM, and all "other" responses were looked up. However, because the collection of verbatim responses was not enforced to the degreee that is possible with CAPI, a substantial fraction of cases contained no additional information. Thus, there is a larger fraction of unresolved "other" responses in 1992 than in 1995. In 1989, it appears that the SCF coders were more successful than in 1992 in resolving "other" responses. Because of the different treatment of verbatim responses over time, analysts should exercise caution in time series comparisons of "other" responses. ANALYSIS WEIGHTS Because the SCF sample is not an equal-probability design, weights play a critical role in interpreting the survey data. The main dataset contains the final nonresponse-adjusted sampling weights. These weights are intended to compensate for unequal probabilities of selection in the original design and for unit nonresponse (failure to obtain an interview). The weight (X42001) is a partially design-based weight constructed at the Federal Reserve using original selection probabilities and frame information along with aggregate control totals estimated from the Current Population Survey. The population defined by the weights for *each implicate* (see above) is 99.0 million households. This weight is a relatively minor revision of the consistent weight series (X42000) maintained for the SCFs beginning with 1989 (For a detailed discussion of these weights, see "Consistent Weight Design for the 1989, 1992, and 1995 SCFs and the Distribution of Wealth," by Arthur B. Kennickell and R. Louise Woodburn, Review of Income and Wealth, Series 45, Number 2, June 1999, pp. 193-215 or the longer version given on the SCF web site at http://www.federalreserve.gov/pubs/oss/oss2/method.html). The nature of the revisions to the consistent weights is described in "Revisions to the SCF Weighting Methodology: Accounting for Race/Ethnicity and Homeownership," by Arthur Kennickell (see SCF web site). A version of the revised weight has been computed for all the surveys beginning with 1989, and this variable has been added to the public versions of the SCF datasets. Users should be aware that the sum of each of the weights over all sample cases and imputation replicates is equal to five times the number of households in the sample universe. Although the weights should produce reliable results at the level of broad aggregates (e.g., net worth and income ), it is important to remember that many of the variables collected in the SCF are highly skewed in their distribution and that many such variables will apply to only a relatively small fraction of the sample. In the SCF group at the Federal Reserve, we routinely review our calculations for the presence of overly-influential outliers, and robust techniques are applied when appropriate. We encourage other users to exercise similar care in analyzing the data. Users who use the SAS procedure PROC UNIVARIATE are particularly warned to use the FREQ option (as opposed to the WEIGHT option) to obtain weighted medians. SAMPLING ERROR Because we are unable to give users any sample information about cases in the dataset, they will be unable on their own to compute reasonable estimates of the sampling variances of their estimates. To facilitate such estimation, we have included a file of replicate weights and multiplicity factors corresponding to X42001. Using detailed information about the original sample design, we selected 999 sample replicates from the final set of completed cases in a way intended to capture the important dimensions of sample variation (Arthur Kennickell, Douglas McManus and Louise Woodburn, "Weighting design for the 1992 Survey of Consumer Finances" for details). For each survey case and each replicate, the file contains a weight (WT1B1-WT1B999) and the number of times the case was selected in the replicate (MM1-MM999). We computed weights for each replicate using exactly the same procedures we used for the main weights. Replicate weights were computed only for the first implicate of each case. For most purposes, users will probably want to multiply the weight times the multiplicity: in all cases the sum of each of the weights times the corresponding multiplicities of the cases equals the total number of households. To estimate the sampling variance of the mean of family income, for example, a user would estimate the mean 999 times using the replicate weights and compute the standard error of that estimate. An estimate of the total standard error is given by SQRT((6/5)*imputation variance + sampling variance). A simple SAS program to compute the standard error due to sampling and imputation for the mean and median of a given variable is provided below. This program may be adapted easily for other types of calculations. To conserve on necessary memory, the program computes sampling error using blocks of 100 replicate weights rather than the full set at once. Users with large amounts of RAM may wish to increase the size of these blocks, and those with smaller amounts may wish to decrease the size. * MACRO MEANIT; * AK: May 1, 1997 version; * DSN specifies the name of the dataset to be used (the dataset should contain the following: the main weight renamed as WGT0, a set of variables WGT1-WGT999 equal to the replicate weights multiplied by the corresponding multiplicity factors, a variable for which one wishes to compute the standard error due to imputation and sampling for the mean and median, and a variable IMPLIC equal to the implicate number of each case) VAR contains the name of the variable for which one desires standard errors PFLAG: blank prints interim statistics/any character string (e.g., NO) surpresses printing; %MACRO MEANIT(DSN=,VAR=,PFLAG=); * compute global mean/median; PROC UNIVARIATE DATA=&DSN; FREQ WGT0; VAR &VAR; RUN; * rank order the data for the median calculation; PROC SORT DATA=&DSN; BY &VAR; RUN; PROC IML WORKSPACE=10000000 SYMSIZE=5000; RESET LOG LINESIZE=78; * first imputation variance; EDIT &DSN; TEMP={IMPLIC &VAR WGT0}; READ ALL VAR TEMP INTO MDATA; * total population; POP=SUM(MDATA[,3])/5; * create matrix to hold values of means/medians by implicates; IM=SHAPE(0,1,5); ID=SHAPE(0,1,5); * compute mean/median; DO I=1 TO 5; IMP=MDATA[LOC(MDATA[,1]=I),2:3]; * compute mean; MM=IMP[,1]#IMP[,2]; IM[1,I]=MM[+,]/POP; * compute median; DD=IMP[RANK(IMP[,1]),]; DD[,2]=CUSUM(DD[,2])/POP; ID[1,I]=DD[MIN(LOC(DD[,2]>=.5)),1]; FREE IMP MM DD; END; FREE MDATA; %IF (&PFLAG EQ ) %THEN %DO; PRINT IM ID; %END; * next sampling variance; * create matrix to hold values of means/medians by replicates; RM=SHAPE(0,1,999); RD=SHAPE(0,1,999); %DO I=1 %TO 10; %PUT CLUMP NUMBER &I; %IF (&I EQ 1) %THEN %DO; %LET TOP=99; %LET BOT=1; %LET LEN=100; %END; %ELSE %DO; %LET BOT=%EVAL(&TOP+1); %LET TOP=%EVAL(&TOP+100); %LET LEN=101; %END; %LET WSTR=%STR(); %DO J=&BOT %TO &TOP; %LET WSTR=&WSTR WGT&J; %END; EDIT &DSN; TEMP={&VAR &WSTR}; READ ALL VAR TEMP WHERE (IMPLIC=1) INTO MDATA; * compute means; MEAN=MDATA[,2:&LEN]#MDATA[,1]; RM[,&BOT:&TOP]=MEAN[+,]/POP; * compute medians; DO I=2 TO &LEN; MDATA[,I]=CUSUM(MDATA[,I])/POP; RD[&BOT+I-2]=MDATA[MIN(LOC(MDATA[,I]>=.5)),1]; END; FREE MDATA; %END; %IF (&PFLAG EQ ) %THEN %DO; PRINT RM RD; %END; * finally, compute standard error wrt imputation/sampling; * (X-X-bar)**2/(n-1); IVM=(IM-IM[,+]/5)##2; IVM=IVM[,+]/4; IVD=(ID-ID[,+]/5)##2; IVD=IVD[,+]/4; RVM=(RM-RM[,+]/999)##2; RVM=RVM[,+]/998; RVD=(RD-RD[,+]/999)##2; RVD=RVD[,+]/998; * SQRT(((ni+1/(ni))*SIGMAI**2) + SIGMAR**2)); TVM=SQRT((6/5)*IVM+RVM); TVD=SQRT((6/5)*IVD+RVD); IVM=SQRT(IVM); IVD=SQRT(IVD); RVM=SQRT(RVM); RVD=SQRT(RVD); PRINT "STD DEV IMPUTATION: MEAN: " IVM " MEDIAN: " IVD; PRINT "STD DEV SAMPLING: MEAN: " RVM " MEDIAN: " RVD; PRINT "COMBINED STD DEV: MEAN: " TVM " MEDIAN: " TVD; QUIT; %MEND MEANIT; * create dataset from main dataset and replicate weight file; DATA DAT(KEEP=NW IMPLIC WGT0-WGT999); MERGE xxx.main_ds(KEEP=Y1 X42001 ...) xxx.rep_wgts(KEEP=Y1 MM1-MM999 WT1B1-WT1B999); BY Y1; * multiply replicate weights by the multiplicity; ARRAY MULT {*} MM1-MM999; ARRAY RWGT {*} WT1B1-WT1B999; ARRAY WGTS {*} WGT1-WGT999; DO I=1 TO DIM(MULT); * take max of multiplicity/weight: where cases not selected for a replicate, there are missing values in these variables; WGTS{I}=MAX(0,MULT{I})*MAX(0,RWGT{I}); END; WGT0=X42001; * define implicate number of case; IMPLIC=Y1-10*YY1; * define net worth (for example); NW=.......; RUN; * run the macro; %MEANIT(DSN=DAT,VAR=NW); Users who want to estimate more complex statistics, particularly regressions, should be cautious in their treatment of the implicates. Many regression packages will treat each of the five implicates as an independent observation and correspondingly inflate the reported significance of results. Users who want to calculate regression estimates, but who have no immediate use for proper significance tests, could either average the dependent and independent values across the implicates or multiply their standard errors by the square root of five. For an easily understandable discussion of multiple imputation in the SCF from a user's point of view, see Catherine Montalto and Jaimie Sung, "Multiple Imputation in the 1992 Survey of Consumer Finances," Financial Counseling and Planning, Volume 7, 1996, pages 133-146 (or on the Internet at http://www.hec.ohio-state.edu/hanna/imput.htm). That article also contains a set of simple SAS macros to use to compute correct standard errors from multiply imputed data. An alternative that is useful for handling the output of general modeling routines is the following set of SAS code: * MACRO MISECOMP computes standard errors corrected for multiple imputation; * The input may be regression results, or any other results (e.g., probits) that include a point estimate and a standard error estimate for each implicate; * The datasets are named &DSN.1-&DSN&NIMP (where &DSN and &NIMP are defined below); * The form of the input dataset is described above; * Often, it is quite easy to copy output directly from a statistical procedure into the form of this program without deleting extraneous information; * The required input variables are VARN (a name of the statistic of interest in all NIMP datasets), B1-B&NIMP (a working name for the point estimate of interest for each implicate--where the terminal number corresponds to the terminal number of the input dataset), and S1-S&NIMP (a working name for the standard error of the point estimate in each implicate--where the terminal number corresponds to the terminal number of the input dataset; * The parameters of the MACRO are: NIMP: number of implicates (default is 5) DSN: first part of name of each of the NIMP input datasets (e.g., DSN11, DSN12,...,DSN15 could be results for implicates 1-5 for model 1) (default is DSN1i, where "i" ranges from 1 to NIMP) PRNTPR: determines the number of digits of the output data (default is SAS format 10.6); * The output includes three lines for each unique VARN in the input datasets: the final point estimate, the final standard error, and the final t-statistic; **************************************************************************; * Steps to compute standard errors; * (1) run each model (regressions, probits, etc.) for each of the five implicates separately; * (2) copy the model outputs into program code as described above; /* For example, DATA DSNij; INPUT VARN $ Bi Si; CARDS; data here ; RUN; where "i" ranges over the number of distinct models treated, and "j" ranges over the number of implicates. NOTE: any technique that reads VARN, Bi and Si into the datasets will work. */ * (3) call MISECOMP (MACRO defaults will work correctly for the SCF if the dataset names are DSN11, DSN12, DSN13, DSN14, DSN15); *************************************************************************; *************************************************************************; %MACRO MISECOMP(NIMP=5,DSN=DSN1,PRNTPR=10.6); DATA &DSN.1; SET &DSN.1; ORD=_N_; RUN; %DO I=1 %TO &NIMP; PROC SORT DATA=&DSN&I; BY VARN; RUN; %END; DATA ALL; MERGE %DO I=1 %TO &NIMP; &DSN&I %END; ;; BY VARN; ARRAY BMOD {*} %DO I=1 %TO &NIMP; B&I %END;; ARRAY SMOD {*} %DO I=1 %TO &NIMP; S&I %END;; BETA=0; SIGMA=0; ST=0; DO J=1 TO &NIMP; BETA=BMOD{J}+BETA; SIGMA=SMOD{J}**2+SIGMA; END; BETA=BETA/&NIMP; SIGMA=SIGMA/&NIMP; DO I=1 TO &NIMP; ST=ST+(BETA-BMOD{I})**2; END; SIGMA=SQRT(SIGMA+(1+1/5)*ST/(5-1)); TSTAT=BETA/SIGMA; RUN; PROC SORT DATA=ALL; BY ORD; RUN; DATA ALL; SET ALL; PUT VARN @15 BETA &PRNTPR / @15 SIGMA &PRNTPR / @15 TSTAT &PRNTPR; RUN; %MEND MISECOMP; %MISECOMP; SUMMARY VARIABLES We have not made an effort to include summary variables (e.g., net worth) in the dataset. Although it is complicated to construct such variables, it is our belief that a substantial amount of judgment is involved in selecting which variables to include, and that other analysts should make their own decisions. However, as a convenience to users, we have included on the SCF web site a program written in the SAS language that was used to create the variables used in the January 2003 Federal Reserve Bulletin article on the survey and an Excel file containing the summary variables. DISCLOSURE REVIEW To protect the privacy of individual respondents, the data in this release have been systematically altered by several means to minimize the possibility of identifying any survey respondent. For some discrete variables, small or unusual cells were collapsed as noted in the variable descriptions below. Continuous variables were rounded. Data were also blurred by other unspecified means. In addition, a number of other cases were identified for more extensive treatment. Some of these cases were selected on the basis of extreme or unusual data values. Other cases were selected at random. For each of these cases, a selection of critical variables was set to missing and statistically imputed subject to constraints designed to ensure that any distortions induced in key population statistics would be minimal. The geographic identifiers here have been systematically altered for a subset of respondents by swapping their locations with those of otherwise similar respondents. Where relevant, the codebook provides more detailed information on cell collapsing and other techniques. It is important to note that aside from the cell collapsing, there is no key in this codebook or in the dataset that would allow users to identify directly either which data items have been smoothed or otherwise altered, or which cases were selected for imputation of critical values (that is, the shadow variables in this dataset may not always reflect the true original status of every variable). Although this blurring of the data will have some effect on analysis, that effect should be negligible in most cases. For further details on the procedures taken to protect the identity of respondents, see "Disclosure Review and Its Implications for the 1992 Survey of Consumer Finances" by Gerhard Fries, Barry Johnson, and R. Louise Woodburn (1997 working paper, SCF group, Federal Reserve Board). Users who feel that the restrictions imposed on the public dataset are too constricting are encouraged to submit written proposals for expanded data release, and those requests will be given serious consideration in the release of data from future surveys. Dollar variables have been rounded according to the following scheme: DO I = 1 TO DIM($VARs); IF (0 < $_VAR < 5) THEN $_VAR=1; ELSE IF (5 <= $_VAR < 1000) THEN $_VAR=MAX(1,ROUND($_VAR,10)); ELSE IF (1000 <= $_VAR < 10000) THEN $_VAR=ROUND($_VAR,100); ELSE IF (10000 <= $_VAR < 1000000) THEN $_VAR=ROUND($_VAR,1000); ELSE IF (1000000 <= $_VAR) THEN $_VAR=ROUND($_VAR,10000); ELSE IF (-1000 <= $_VAR < - 5) THEN $_VAR=ROUND($_VAR,10); ELSE IF (-10000 <= $_VAR < -1000) THEN $_VAR=ROUND($_VAR,100); ELSE IF (-1000000 < $_VAR < -10000) THEN $_VAR=ROUND($_VAR,1000); ELSE IF .Z < $_VAR <= -1000000 THEN $_VAR=-1000000; END; An important exception to this rounding rule is amounts that were reported in an hourly frequency (e.g., X4112). If the hourly amount is greater than $25, then the above rounding rule applies. Otherwise, the amount is rounded to the nearest $.10. CASE ID NUMBERS Under the original numbering system (XX1), the sample design is apparent from the identification numbers. Thus, each case included in the public version of the dataset has been given an identification number (YY1), which is intended to mask the knowledge of which cases were drawn from the SCF list sample. It is not possible to know with certainty from the information provided in the public version of this dataset which cases derive from the list sample. Because we routinely use the original numbers internally, users who direct questions to us about specific cases might want to be sure to emphasize that they are using the external ID number to avoid confusion. DATA REVIEW We have spent many hours searching for errors in the data. Many seeming inconsistencies are actually in the raw data and appear to have no obvious reconciliation. Other types of inconsistencies may have been induced as a byproduct of imputation, even though elaborate checks are built into the imputation routines. We ask our colleagues who use this dataset to help us find the remaining resolvable inconsistencies. Our presumption is always that the respondent understood each question and reported accurately, and that the process of transcription and coding did not distort that information. In the relatively small number of cases where other information led us beyond a reasonable doubt of the validity of the data, we have changed data, either by altering values directly or by setting them to missing and imputing them; in all such cases, the shadow variables indicate that we have overridden reported data. CONTACT INFORMATION It is likely that some users will have trouble understanding the organization of the data at first. IF AFTER HAVING FRAMED A FOCUSED QUESTION AND EXHAUSTED ALL OF YOUR LOCAL RESOURCES, YOUR PROBLEM PERSISTS, you may call Gerhard Fries at ((202) 452-2578 or e-mail m1gxf00@frb.gov) or me ((202)-452-2247 or e-mail m1abk00@frb.gov)). ****We prefer correspondence via e-mail.**** While we would like to be helpful to you, please realize that we are not set up to provide extensive services to users. We hope that by persistence, you will almost always be able to figure out what you need by consulting the questionnaire and the codebook below. We should be your last resort. ----------------------------------------------------------------------------- DISCUSSION OF RANGE DATA COLLECTION AND J-CODES ----------------------------------------------------------------------------- Dollar values in the 1995 SCF were collected in a way that takes advantage of the power of CAPI (for a detailed description and analysis see "Using Range Techniques with CAPI in the 1995 Survey of Consumer Finances" by Arthur B. Kennickell (1996 working paper, SCF group, Federal Reserve Board). In the past, we had evidence that some respondents volunteered figures in ranges. Good interviewers have always tried to get respondents to settle on a single "best" figure, but sometimes it may be that there may be no firm figure (e.g., the value of a privately-held business may be known only at the point it is actually sold) and probing too far could cause the respondent to answer "don't know". The 1995 survey allowed for responses to be reported in ranges volunteered by respondents. There is another class of respondent that may not volunteer a range, who do not know (or will not give) an exact figure, but who will give some information about the value. To obtain information from this second group of people, we have included in the CAPI program two options. First, a respondent who is uncomfortable actually saying an amount may report a letter from a card that specifies a number of ranges. The range card has been used very successfully in earlier waves of the SCF, but CAPI allows the option to be presented consistently. Second, a respondent who declines the use of the range card is asked a series of questions in a "decision tree" that are designed to specify a range. In earlier SCFs, the decision tree was used for people who did not know or refused to report a figure for their total income, and in the current Health and Retirement Survey such a procedure is used for many dollar figures. The evidence from both sources is very encouraging. In the 1995 SCF, the decision tree breaks vary by question (so that, for example, monthly rent is not subject to the same ranges as the value of corporate stock). The computer sequences used for range followup for all dollar values in the 1995 survey (known as "DKDOL") are outlined schematically in a section below. It should be noted that interviewers were strongly instructed that a single dollar value is the best answer to each of these questions. Although there is the distinct possibility that respondents may become "trained" in the use of the range questions during the course of the interview (the effect of this training is unclear at present: respondents may tend to report "too many" ranges because they know that they are allowed; alternatively, respondents may learn that it is much quicker to give a single dollar figure), interviewers should be using all of the standard techniques to get respondents to give a single figure where possible. ----------------------------------------------------------------------------- Schematic diagram of sequence used for all dollar questions: Qnn. How much is your [******]? level 1: $________ $___RANGE $______DK $__Refuse |________________| level 2: Confirm Range card Range card? or dollar range? RC DR YES NO/DK Refuse level 3: OUT Letter Upper bound Letter Decision Lower bound tree level 4: OUT Confirm OUT Confirm OUT level 5: OUT OUT (OUT=proceed to next question) At the first level, the respondent has the option of providing a dollar amount (as in the past, interviewers were strongly urged to obtain a single dollar value where possible), volunteering a range, answering "don't know," or refusing to answer. Each of these responses implies a different sequence of questions. In the case of a single dollar figure, the CAPI program displays in words the number the interviewer has typed into the computer and proceeds to the next question. If the respondent volunteers a range, there is an option to report either a range in dollars (and in some cases the upper or lower bound of a range may be missing--e.g., as in the case where a respondent answers "greater than a million dollars") or to give a letter from a range card (the ranges are given below). If the respondent answers "don't know" or refuses to answer, the program will present a request to use the range card. If the respondent is unable to use the range card (answers "no" or "don't know"), the program presents a series of questions known as a "decision tree," which is specified in greater detail below. If the respondent refuses when asked to use the range card, the program proceeds to the next question. The exact question text for this sequence is given below. Because of software limitations, negative ranges presented a special problem. It was not feasible to build in negative ranges directly. As a compromise, interviewers were instructed to collect the ranges in absolute values and record in a comment box available in the program the fact that the range was negative. Text presented to interviewer at level 2 if R volunteers a range: CHOOSE: ENTER LETTER FROM RANGE CARD ENTER LOW END AND HIGH END OF RANGE Text presented to interviewer at level 3 if R volunteers a range and chooses the range card at level 2: ENTER LETTER FROM RANGE CARD: Possible card responses shown on range card: A ...... $1 - $100 B ...... $101 - $500 C ...... $501 - $750 D ...... $751 - $1,000 E ...... $1,001 - $2,500 F ...... $2,501 - $5,000 G ...... $5,001 - $7,500 H ...... $7,501 - $10,000 I ...... $10,001 - $25,000 J ...... $25,001 - $50,000 K ...... $50,001 - $75,000 L ...... $75,001 - $100,000 M ...... $100,001 - $250,000 N ...... $250,001 - $1 million O ...... $1 million - $5 million P ...... $5 million - $10 million Q ...... $10 million - $25 million R ...... $25 million - $50 million S ...... $50 million - $100 million T ...... More than $100 million Text presented to interviewer at level 3 if R volunteers a range and gives a dollar range at level 2: ENTER LOW END OF RANGE : $___,___,___.00 ENTER HIGH END OF RANGE : $___,___,___.00 Text presented to interviewer at level 2 if R answers DK/Ref at level 1: Can you give me a range from this card? HAND R RANGE CARD. YES NO Text presented to interviewer at level 3 if R answers DK/Ref at level 1 and answers YES at level 2: ENTER LETTER FROM RANGE CARD: Possible card responses shown on range card: See above Decision tree sequence presented to interviewer at level 3 if R answers DK/Ref at level 1 and NO/DK at level 2: CONSIDER THE FOLLOWING 7 NUMBERS WHICH ARE STRICKLY INCREASING IN VALUE: V1, V2, V3, V4, V5, V6, AND V7. RESPONDENTS ARE ASKED A SEQUENCE OF QUESTIONS TO FIND THE INTERVALS DEFINED BY THESE NUMBER A GIVEN VARIABLE FALLS. Q1. Was it V4 dollars or more? YES --> GO TO Q2 NO, DK --> GO TO Q5 Ref --> EXIT Q2. Was it V5 dollars or more? YES --> GO TO Q3 NO, DK, Ref --> EXIT Q3. Was it V6 dollars or more? YES --> GO TO Q4 NO, DK, Ref --> EXIT Q4. Was it V7 dollars or more? YES, NO, DK, Ref --> EXIT Q5. Was it V1 dollars or more? YES --> GO TO Q6 NO, DK, Ref --> EXIT Q6. Was it V2 dollars or more? YES --> GO TO Q7 NO, DK, Ref --> EXIT Q7. Was it V3 dollars or more? YES, NO, DK, Ref --> EXIT To allow for appropriate ranges for all dollar questions, there are eight different versions of the V1 to V7 variables given below. Version V1 V2 V3 V4 V5 V6 V7 1 10,000 100,000 250,000 500,000 1,000,000 5,000,000 10,000,000 2 50,000 100,000 500,000 1,000,000 5,000,000 10,000,000 25,000,000 3 50,000 100,000 150,000 250,000 500,000 1,000,000 5,000,000 4 5,000 25,000 50,000 100,000 250,000 500,000 1,000,000 5 5,000 10,000 25,000 50,000 100,000 250,000 750,000 6 500 1,000 5,000 10,000 25,000 75,000 250,000 7 100 250 500 1,000 2,000 10,000 50,000 8 50 100 250 500 1,000 5,000 10,000 There are 31 possible unique outcomes of each version of each of the 8 versions of the decision tree: 1. Q1=NO, Q5=NO 2. Q1=NO, Q5=DK 3. Q1=NO, Q5=Ref 4. Q1=NO, Q5=YES, Q6=NO 5. Q1=NO, Q5=YES, Q6=DK 6. Q1=NO, Q5=YES, Q6=Ref 7. Q1=NO, Q5=YES, Q6=YES, Q7=NO 8. Q1=NO, Q5=YES, Q6=YES, Q7=DK 9. Q1=NO, Q5=YES, Q6=YES, Q7=Ref 10. Q1=NO, Q5=YES, Q6=YES, Q7=YES 11. Q1=DK, Q5=NO 12. Q1=DK, Q5=DK ---> NOTE: RESULTS IN NO BOUNDING INFORMATION 13. Q1=DK, Q5=Ref ---> NOTE: RESULTS IN NO BOUNDING INFORMATION 14. Q1=DK, Q5=YES, Q6=NO 15. Q1=DK, Q5=YES, Q6=DK 16. Q1=DK, Q5=YES, Q6=Ref 17. Q1=DK, Q5=YES, Q6=YES, Q7=NO 18. Q1=DK, Q5=YES, Q6=YES, Q7=DK 19. Q1=DK, Q5=YES, Q6=YES, Q7=Ref 20. Q1=DK, Q5=YES, Q6=YES, Q7=YES 21. Q1=Ref ---> NOTE: RESULTS IN NO BOUNDING INFORMATION 22. Q1=YES, Q2=NO 23. Q1=YES, Q2=DK 24. Q1=YES, Q2=Ref 25. Q1=YES, Q2=YES, Q3=NO 26. Q1=YES, Q2=YES, Q3=DK 27. Q1=YES, Q2=YES, Q3=Ref 28. Q1=YES, Q2=YES, Q3=YES, Q4=NO 29. Q1=YES, Q2=YES, Q3=YES, Q4=DK 20. Q1=YES, Q2=YES, Q3=YES, Q4=Ref 31. Q1=YES, Q2=YES, Q3=YES, Q4=YES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Definitions of the "J" Variables (1995 version) 0 = value reported on original tape (possibly altered during NORC editing). 1 = question is inapplicable for R (e.g., R has no checking account so value of checking account is coded as zero -- NOTE: there are no zeros in the dataset other than such values). 2 = data moved from another location (not including re-arranging columns in a grid); data moved from another location and added to data already at new location (e.g., wage income from spouse reported in independent adult part of section Y added to data reported for R in Section T). 3 = data provided for a question with a branch structure, but not known which branch data should be in (e.g., AGI given, but filing status unknown, R has mutual funds but answers NO to all types). 4 = data change (to non-missing value) at FRB based on comments/verbatims. Also includes editing changes specified by NORC that were not possible to implement in their data handling system. 5 = indicates a value coded from a verbatim ("other/specify") response. 6 = data moved/changed as result of coded verbatim ("other/specify") response. 8 = recode of survey variables, no missing values in antecedents. For sequences of variables, such as the determination of whether a dollar value or a percent is reported at Xhead-var/X4206/X4207, one variable determines which type of variable is reported (dollar/percent) subsequently; in some cases, the CAPI program skips to the dollar value question and will puruse the DKDOL sequence if necessary; if a dollar value (or range) is reported in this way, the J-code of the initial choice variable is set to the value '8.' 9 = recode of survey variables, insufficient data collected to compute value, not imputed. 10 = part of reported value reported elsewhere and edited out here (e.g., wage income of NPEU member also reported at X5701 along with income of PEU resulting in J5702=10) or entire reported value reported elsewhere and edited out here (e.g., all of wage income of NPEU member reported at X5701 resulting in X5701=5, J5701=10, X5702=0 and J5702=14). 12 = in case of regular installment loans where term is DK, non-missing typical payment moved to monthly payment section. 13 = coded value overridden by another value after editing completed 14 = inap given hard-code decision (12, 13, 15, or 16) 15 = hard-coded imputation determined during cleaning. 16 = other reassignment resulting from cleaning that overrides reported data (e.g., the cleaning of the institutions grid in Section A). 17 = value of originally missing data item implied by other variable(s). 18 = value originally inap as consequence of CAPI logic, new value inferred from other values. 19 = value changed, but logical content not altered (e.g., institution reported for an account, but no link to institutions grid. Account variable changed to pointer to an added institution of type indicated by original account question). 25 = correction of NORC edit error or to a non-missing/non-inapplicable value. ALL RESPONSES THAT FOLLOW HAVE AT LEAST SOME MISSING INFORMATION 90 = Bounding information available based on summary information provided by respondent (typically, if a R does not know information about items beyond a certain number in a set of detailed questions about a larger number of such items, the R is asked one or a number of summary questions about all remaining instances). 91 = Same as 90, but R gave range data for the summary information. RANGE RESPONSES: POSITIVE RANGES DECISION TREE RESPONSES THAT RESULTED IN A BOUND FOR POSITIVE NUMBERS (NOTE: for decision tree codes, responses that resulted in no usable bounding information are collected separately below) '*' indicates an open-ended interval NOTE: for J-code outcomes from 101-878, 921-940, and 971-990, .5 is added to the J-code if the original response was DK 101=Decision tree response, version 1: outcome 1 (*,<=V1) 102=Decision tree response, version 1: outcome 2 (*,<=V4) 103=Decision tree response, version 1: outcome 3 (*,<=V4) 104=Decision tree response, version 1: outcome 4 (>V1,<=V2 105=Decision tree response, version 1: outcome 5 (>V1,<=V4) 106=Decision tree response, version 1: outcome 6 (>V1,<=V4) 107=Decision tree response, version 1: outcome 7 (>V2,<=V3) 108=Decision tree response, version 1: outcome 8 (>V2,<=V4) 109=Decision tree response, version 1: outcome 9 (>V2,<=V4) 110=Decision tree response, version 1: outcome 10 (>V3,<=V4) 111=Decision tree response, version 1: outcome 11 (*,<=V1) 112=Decision tree response, version 1: outcome 14 (V1,V2) 113=Decision tree response, version 1: outcome 15 (>V1,*) 114=Decision tree response, version 1: outcome 16 (>V1,*) 115=Decision tree response, version 1: outcome 17 (>V2,<=V3) 116=Decision tree response, version 1: outcome 18 (>V2,*) 117=Decision tree response, version 1: outcome 19 (>V2,*) 118=Decision tree response, version 1: outcome 20 (>V3,*) 119=Decision tree response, version 1: outcome 22 (>V4,<=V5) 120=Decision tree response, version 1: outcome 23 (>V4,*) 121=Decision tree response, version 1: outcome 24 (>V4,*) 122=Decision tree response, version 1: outcome 25 (>V5,<=V6) 123=Decision tree response, version 1: outcome 26 (>V5,*) 124=Decision tree response, version 1: outcome 27 (>V5,*) 125=Decision tree response, version 1: outcome 28 (>V6,<=V7) 126=Decision tree response, version 1: outcome 29 (>V6,*) 127=Decision tree response, version 1: outcome 30 (>V6,*) 128=Decision tree response, version 1: outcome 31 (>V7,*) 201=Decision tree response, version 2: outcome 1 (*,<=V1) 202=Decision tree response, version 2: outcome 2 (*,<=V4) 203=Decision tree response, version 2: outcome 3 (*,<=V4) 204=Decision tree response, version 2: outcome 4 (>V1,<=V2 205=Decision tree response, version 2: outcome 5 (>V1,<=V4) 206=Decision tree response, version 2: outcome 6 (>V1,<=V4) 207=Decision tree response, version 2: outcome 7 (>V2,<=V3) 208=Decision tree response, version 2: outcome 8 (>V2,<=V4) 209=Decision tree response, version 2: outcome 9 (>V2,<=V4) 210=Decision tree response, version 2: outcome 10 (>V3,<=V4) 211=Decision tree response, version 2: outcome 11 (*,<=V1) 212=Decision tree response, version 2: outcome 14 (V1,V2) 213=Decision tree response, version 2: outcome 15 (>V1,*) 214=Decision tree response, version 2: outcome 16 (>V1,*) 215=Decision tree response, version 2: outcome 17 (>V2,<=V3) 216=Decision tree response, version 2: outcome 18 (>V2,*) 217=Decision tree response, version 2: outcome 19 (>V2,*) 218=Decision tree response, version 2: outcome 20 (>V3,*) 219=Decision tree response, version 2: outcome 22 (>V4,<=V5) 220=Decision tree response, version 2: outcome 23 (>V4,*) 221=Decision tree response, version 2: outcome 24 (>V4,*) 222=Decision tree response, version 2: outcome 25 (>V5,<=V6) 223=Decision tree response, version 2: outcome 26 (>V5,*) 224=Decision tree response, version 2: outcome 27 (>V5,*) 225=Decision tree response, version 2: outcome 28 (>V6,<=V7) 226=Decision tree response, version 2: outcome 29 (>V6,*) 227=Decision tree response, version 2: outcome 30 (>V6,*) 228=Decision tree response, version 2: outcome 31 (>V7,*) 301=Decision tree response, version 3: outcome 1 (*,<=V1) 302=Decision tree response, version 3: outcome 2 (*,<=V4) 303=Decision tree response, version 3: outcome 3 (*,<=V4) 304=Decision tree response, version 3: outcome 4 (>V1,<=V2 305=Decision tree response, version 3: outcome 5 (>V1,<=V4) 306=Decision tree response, version 3: outcome 6 (>V1,<=V4) 307=Decision tree response, version 3: outcome 7 (>V2,<=V3) 308=Decision tree response, version 3: outcome 8 (>V2,<=V4) 309=Decision tree response, version 3: outcome 9 (>V2,<=V4) 310=Decision tree response, version 3: outcome 10 (>V3,<=V4) 311=Decision tree response, version 3: outcome 11 (*,<=V1) 312=Decision tree response, version 3: outcome 14 (V1,V2) 313=Decision tree response, version 3: outcome 15 (>V1,*) 314=Decision tree response, version 3: outcome 16 (>V1,*) 315=Decision tree response, version 3: outcome 17 (>V2,<=V3) 316=Decision tree response, version 3: outcome 18 (>V2,*) 317=Decision tree response, version 3: outcome 19 (>V2,*) 318=Decision tree response, version 3: outcome 20 (>V3,*) 319=Decision tree response, version 3: outcome 22 (>V4,<=V5) 320=Decision tree response, version 3: outcome 23 (>V4,*) 321=Decision tree response, version 3: outcome 24 (>V4,*) 322=Decision tree response, version 3: outcome 25 (>V5,<=V6) 323=Decision tree response, version 3: outcome 26 (>V5,*) 324=Decision tree response, version 3: outcome 27 (>V5,*) 325=Decision tree response, version 3: outcome 28 (>V6,<=V7) 326=Decision tree response, version 3: outcome 29 (>V6,*) 327=Decision tree response, version 3: outcome 30 (>V6,*) 328=Decision tree response, version 3: outcome 31 (>V7,*) 401=Decision tree response, version 4: outcome 1 (*,<=V1) 402=Decision tree response, version 4: outcome 2 (*,<=V4) 403=Decision tree response, version 4: outcome 3 (*,<=V4) 404=Decision tree response, version 4: outcome 4 (>V1,<=V2 405=Decision tree response, version 4: outcome 5 (>V1,<=V4) 406=Decision tree response, version 4: outcome 6 (>V1,<=V4) 407=Decision tree response, version 4: outcome 7 (>V2,<=V3) 408=Decision tree response, version 4: outcome 8 (>V2,<=V4) 409=Decision tree response, version 4: outcome 9 (>V2,<=V4) 410=Decision tree response, version 4: outcome 10 (>V3,<=V4) 411=Decision tree response, version 4: outcome 11 (*,<=V1) 412=Decision tree response, version 4: outcome 14 (V1,V2) 413=Decision tree response, version 4: outcome 15 (>V1,*) 414=Decision tree response, version 4: outcome 16 (>V1,*) 415=Decision tree response, version 4: outcome 17 (>V2,<=V3) 416=Decision tree response, version 4: outcome 18 (>V2,*) 417=Decision tree response, version 4: outcome 19 (>V2,*) 418=Decision tree response, version 4: outcome 20 (>V3,*) 419=Decision tree response, version 4: outcome 22 (>V4,<=V5) 420=Decision tree response, version 4: outcome 23 (>V4,*) 421=Decision tree response, version 4: outcome 24 (>V4,*) 422=Decision tree response, version 4: outcome 25 (>V5,<=V6) 423=Decision tree response, version 4: outcome 26 (>V5,*) 424=Decision tree response, version 4: outcome 27 (>V5,*) 425=Decision tree response, version 4: outcome 28 (>V6,<=V7) 426=Decision tree response, version 4: outcome 29 (>V6,*) 427=Decision tree response, version 4: outcome 30 (>V6,*) 428=Decision tree response, version 4: outcome 31 (>V7,*) 501=Decision tree response, version 5: outcome 1 (*,<=V1) 502=Decision tree response, version 5: outcome 2 (*,<=V4) 503=Decision tree response, version 5: outcome 3 (*,<=V4) 504=Decision tree response, version 5: outcome 4 (>V1,<=V2 505=Decision tree response, version 5: outcome 5 (>V1,<=V4) 506=Decision tree response, version 5: outcome 6 (>V1,<=V4) 507=Decision tree response, version 5: outcome 7 (>V2,<=V3) 508=Decision tree response, version 5: outcome 8 (>V2,<=V4) 509=Decision tree response, version 5: outcome 9 (>V2,<=V4) 510=Decision tree response, version 5: outcome 10 (>V3,<=V4) 511=Decision tree response, version 5: outcome 11 (*,<=V1) 512=Decision tree response, version 5: outcome 14 (V1,V2) 513=Decision tree response, version 5: outcome 15 (>V1,*) 514=Decision tree response, version 5: outcome 16 (>V1,*) 515=Decision tree response, version 5: outcome 17 (>V2,<=V3) 516=Decision tree response, version 5: outcome 18 (>V2,*) 517=Decision tree response, version 5: outcome 19 (>V2,*) 518=Decision tree response, version 5: outcome 20 (>V3,*) 519=Decision tree response, version 5: outcome 22 (>V4,<=V5) 520=Decision tree response, version 5: outcome 23 (>V4,*) 521=Decision tree response, version 5: outcome 24 (>V4,*) 522=Decision tree response, version 5: outcome 25 (>V5,<=V6) 523=Decision tree response, version 5: outcome 26 (>V5,*) 524=Decision tree response, version 5: outcome 27 (>V5,*) 525=Decision tree response, version 5: outcome 28 (>V6,<=V7) 526=Decision tree response, version 5: outcome 29 (>V6,*) 527=Decision tree response, version 5: outcome 30 (>V6,*) 528=Decision tree response, version 5: outcome 31 (>V7,*) 601=Decision tree response, version 6: outcome 1 (*,<=V1) 602=Decision tree response, version 6: outcome 2 (*,<=V4) 603=Decision tree response, version 6: outcome 3 (*,<=V4) 604=Decision tree response, version 6: outcome 4 (>V1,<=V2 605=Decision tree response, version 6: outcome 5 (>V1,<=V4) 606=Decision tree response, version 6: outcome 6 (>V1,<=V4) 607=Decision tree response, version 6: outcome 7 (>V2,<=V3) 608=Decision tree response, version 6: outcome 8 (>V2,<=V4) 609=Decision tree response, version 6: outcome 9 (>V2,<=V4) 610=Decision tree response, version 6: outcome 10 (>V3,<=V4) 611=Decision tree response, version 6: outcome 11 (*,<=V1) 612=Decision tree response, version 6: outcome 14 (V1,V2) 613=Decision tree response, version 6: outcome 15 (>V1,*) 614=Decision tree response, version 6: outcome 16 (>V1,*) 615=Decision tree response, version 6: outcome 17 (>V2,<=V3) 616=Decision tree response, version 6: outcome 18 (>V2,*) 617=Decision tree response, version 6: outcome 19 (>V2,*) 618=Decision tree response, version 6: outcome 20 (>V3,*) 619=Decision tree response, version 6: outcome 22 (>V4,<=V5) 620=Decision tree response, version 6: outcome 23 (>V4,*) 621=Decision tree response, version 6: outcome 24 (>V4,*) 622=Decision tree response, version 6: outcome 25 (>V5,<=V6) 623=Decision tree response, version 6: outcome 26 (>V5,*) 624=Decision tree response, version 6: outcome 27 (>V5,*) 625=Decision tree response, version 6: outcome 28 (>V6,<=V7) 626=Decision tree response, version 6: outcome 29 (>V6,*) 627=Decision tree response, version 6: outcome 30 (>V6,*) 628=Decision tree response, version 6: outcome 31 (>V7,*) 701=Decision tree response, version 7: outcome 1 (*,<=V1) 702=Decision tree response, version 7: outcome 2 (*,<=V4) 703=Decision tree response, version 7: outcome 3 (*,<=V4) 704=Decision tree response, version 7: outcome 4 (>V1,<=V2 705=Decision tree response, version 7: outcome 5 (>V1,<=V4) 706=Decision tree response, version 7: outcome 6 (>V1,<=V4) 707=Decision tree response, version 7: outcome 7 (>V2,<=V3) 708=Decision tree response, version 7: outcome 8 (>V2,<=V4) 709=Decision tree response, version 7: outcome 9 (>V2,<=V4) 710=Decision tree response, version 7: outcome 10 (>V3,<=V4) 711=Decision tree response, version 7: outcome 11 (*,<=V1) 712=Decision tree response, version 7: outcome 14 (V1,V2) 713=Decision tree response, version 7: outcome 15 (>V1,*) 714=Decision tree response, version 7: outcome 16 (>V1,*) 715=Decision tree response, version 7: outcome 17 (>V2,<=V3) 716=Decision tree response, version 7: outcome 18 (>V2,*) 717=Decision tree response, version 7: outcome 19 (>V2,*) 718=Decision tree response, version 7: outcome 20 (>V3,*) 719=Decision tree response, version 7: outcome 22 (>V4,<=V5) 720=Decision tree response, version 7: outcome 23 (>V4,*) 721=Decision tree response, version 7: outcome 24 (>V4,*) 722=Decision tree response, version 7: outcome 25 (>V5,<=V6) 723=Decision tree response, version 7: outcome 26 (>V5,*) 724=Decision tree response, version 7: outcome 27 (>V5,*) 725=Decision tree response, version 7: outcome 28 (>V6,<=V7) 726=Decision tree response, version 7: outcome 29 (>V6,*) 727=Decision tree response, version 7: outcome 30 (>V6,*) 728=Decision tree response, version 7: outcome 31 (>V7,*) 801=Decision tree response, version 8: outcome 1 (*,<=V1) 802=Decision tree response, version 8: outcome 2 (*,<=V4) 803=Decision tree response, version 8: outcome 3 (*,<=V4) 804=Decision tree response, version 8: outcome 4 (>V1,<=V2 805=Decision tree response, version 8: outcome 5 (>V1,<=V4) 806=Decision tree response, version 8: outcome 6 (>V1,<=V4) 807=Decision tree response, version 8: outcome 7 (>V2,<=V3) 808=Decision tree response, version 8: outcome 8 (>V2,<=V4) 809=Decision tree response, version 8: outcome 9 (>V2,<=V4) 810=Decision tree response, version 8: outcome 10 (>V3,<=V4) 811=Decision tree response, version 8: outcome 11 (*,<=V1) 812=Decision tree response, version 8: outcome 14 (V1,V2) 813=Decision tree response, version 8: outcome 15 (>V1,*) 814=Decision tree response, version 8: outcome 16 (>V1,*) 815=Decision tree response, version 8: outcome 17 (>V2,<=V3) 816=Decision tree response, version 8: outcome 18 (>V2,*) 817=Decision tree response, version 8: outcome 19 (>V2,*) 818=Decision tree response, version 8: outcome 20 (>V3,*) 819=Decision tree response, version 8: outcome 22 (>V4,<=V5) 820=Decision tree response, version 8: outcome 23 (>V4,*) 821=Decision tree response, version 8: outcome 24 (>V4,*) 822=Decision tree response, version 8: outcome 25 (>V5,<=V6) 823=Decision tree response, version 8: outcome 26 (>V5,*) 824=Decision tree response, version 8: outcome 27 (>V5,*) 825=Decision tree response, version 8: outcome 28 (>V6,<=V7) 826=Decision tree response, version 8: outcome 29 (>V6,*) 827=Decision tree response, version 8: outcome 30 (>V6,*) 828=Decision tree response, version 8: outcome 31 (>V7,*) RANGE CARD RESPONSES FOR POSITIVE NUMBERS 901=Range card response via [F9]: range A. $1 to $100 902=Range card response via [F9]: range B. $101 to $500 903=Range card response via [F9]: range C. $501 to $750 904=Range card response via [F9]: range D. $751 to $1,000 905=Range card response via [F9]: range E. $1,001 to $2,500 906=Range card response via [F9]: range F. $2,501 to $5,000 907=Range card response via [F9]: range G. $5,001 to $7,500 908=Range card response via [F9]: range H. $7,501 to $10,000 909=Range card response via [F9]: range I. $10,001 to $25,000 910=Range card response via [F9]: range J. $25,001 to $50,000 911=Range card response via [F9]: range K. $50,001 to $75,000 912=Range card response via [F9]: range L. $75,001 to $100,000 913=Range card response via [F9]: range M. $100,001 to $250,000 914=Range card response via [F9]: range N. $250,001 to $1,000,000 915=Range card response via [F9]: range O. $1,000,001 to $5,000,000 916=Range card response via [F9]: range P. $5,000,001 to $10,000,000 917=Range card response via [F9]: range Q. $10,000,001 to $25,000,000 918=Range card response via [F9]: range R. $25,000,001 to $50,000,000 919=Range card response via [F9]: range S. $50,000,001 to $100,000,000 920=Range card response via [F9]: range T. More than $100,000,000 921=Range card response via DKDOL: range A. $1 to $100 922=Range card response via DKDOL: range B. $101 to $500 923=Range card response via DKDOL: range C. $501 to $750 924=Range card response via DKDOL: range D. $751 to $1,000 925=Range card response via DKDOL: range E. $1,001 to $2,500 926=Range card response via DKDOL: range F. $2,501 to $5,000 927=Range card response via DKDOL: range G. $5,001 to $7,500 928=Range card response via DKDOL: range H. $7,501 to $10,000 929=Range card response via DKDOL: range I. $10,001 to $25,000 930=Range card response via DKDOL: range J. $25,001 to $50,000 931=Range card response via DKDOL: range K. $50,001 to $75,000 932=Range card response via DKDOL: range L. $75,001 to $100,000 933=Range card response via DKDOL: range M. $100,001 to $250,000 934=Range card response via DKDOL: range N. $250,001 to $1,000,000 935=Range card response via DKDOL: range O. $1,000,001 to $5,000,000 936=Range card response via DKDOL: range P. $5,000,001 to $10,000,000 937=Range card response via DKDOL: range Q. $10,000,001 to $25,000,000 938=Range card response via DKDOL: range R. $25,000,001 to $50,000,000 939=Range card response via DKDOL: range S. $50,000,001 to $100,000,000 940=Range card response via DKDOL: range T. More than $100,000,000 RESPONDENT-PROVIDED DOLLAR RANGE FOR POSITIVE NUMBERS 941=Upper and lower bounds given 942=Upper bound given, lower bound missing 943=Lower bound given, upper bound missing INTERVIEW COMMENT INDICATES THAT RANGES ARE NEGATIVE DECISION TREE RESPONSES THAT RESULTED IN A BOUND FOR NEGATIVE NUMBERS (NOTE: for decision tree codes, responses that resulted in no usable bounding information are collected separately below) 151=Decision tree response, version 1: outcome 1 (negative value) 152=Decision tree response, version 1: outcome 2 (negative value) 153=Decision tree response, version 1: outcome 3 (negative value) 154=Decision tree response, version 1: outcome 4 (negative value) 155=Decision tree response, version 1: outcome 5 (negative value) 156=Decision tree response, version 1: outcome 6 (negative value) 157=Decision tree response, version 1: outcome 7 (negative value) 158=Decision tree response, version 1: outcome 8 (negative value) 159=Decision tree response, version 1: outcome 9 (negative value) 160=Decision tree response, version 1: outcome 10 (negative value) 161=Decision tree response, version 1: outcome 11 (negative value) 162=Decision tree response, version 1: outcome 14 (negative value) 163=Decision tree response, version 1: outcome 15 (negative value) 164=Decision tree response, version 1: outcome 16 (negative value) 165=Decision tree response, version 1: outcome 17 (negative value) 166=Decision tree response, version 1: outcome 18 (negative value) 167=Decision tree response, version 1: outcome 19 (negative value) 168=Decision tree response, version 1: outcome 20 (negative value) 169=Decision tree response, version 1: outcome 22 (negative value) 170=Decision tree response, version 1: outcome 23 (negative value) 171=Decision tree response, version 1: outcome 24 (negative value) 172=Decision tree response, version 1: outcome 25 (negative value) 173=Decision tree response, version 1: outcome 26 (negative value) 174=Decision tree response, version 1: outcome 27 (negative value) 175=Decision tree response, version 1: outcome 28 (negative value) 176=Decision tree response, version 1: outcome 29 (negative value) 177=Decision tree response, version 1: outcome 30 (negative value) 178=Decision tree response, version 1: outcome 31 (negative value) 251=Decision tree response, version 2: outcome 1 (negative value) 252=Decision tree response, version 2: outcome 2 (negative value) 253=Decision tree response, version 2: outcome 3 (negative value) 254=Decision tree response, version 2: outcome 4 (negative value) 255=Decision tree response, version 2: outcome 5 (negative value) 256=Decision tree response, version 2: outcome 6 (negative value) 257=Decision tree response, version 2: outcome 7 (negative value) 258=Decision tree response, version 2: outcome 8 (negative value) 259=Decision tree response, version 2: outcome 9 (negative value) 260=Decision tree response, version 2: outcome 10 (negative value) 261=Decision tree response, version 2: outcome 11 (negative value) 262=Decision tree response, version 2: outcome 14 (negative value) 263=Decision tree response, version 2: outcome 15 (negative value) 264=Decision tree response, version 2: outcome 16 (negative value) 265=Decision tree response, version 2: outcome 17 (negative value) 266=Decision tree response, version 2: outcome 18 (negative value) 267=Decision tree response, version 2: outcome 19 (negative value) 268=Decision tree response, version 2: outcome 20 (negative value) 269=Decision tree response, version 2: outcome 22 (negative value) 270=Decision tree response, version 2: outcome 23 (negative value) 271=Decision tree response, version 2: outcome 24 (negative value) 272=Decision tree response, version 2: outcome 25 (negative value) 273=Decision tree response, version 2: outcome 26 (negative value) 274=Decision tree response, version 2: outcome 27 (negative value) 275=Decision tree response, version 2: outcome 28 (negative value) 276=Decision tree response, version 2: outcome 29 (negative value) 277=Decision tree response, version 2: outcome 30 (negative value) 278=Decision tree response, version 2: outcome 31 (negative value) 351=Decision tree response, version 3: outcome 1 (negative value) 352=Decision tree response, version 3: outcome 2 (negative value) 353=Decision tree response, version 3: outcome 3 (negative value) 354=Decision tree response, version 3: outcome 4 (negative value) 355=Decision tree response, version 3: outcome 5 (negative value) 356=Decision tree response, version 3: outcome 6 (negative value) 357=Decision tree response, version 3: outcome 7 (negative value) 358=Decision tree response, version 3: outcome 8 (negative value) 359=Decision tree response, version 3: outcome 9 (negative value) 360=Decision tree response, version 3: outcome 10 (negative value) 361=Decision tree response, version 3: outcome 11 (negative value) 362=Decision tree response, version 3: outcome 14 (negative value) 363=Decision tree response, version 3: outcome 15 (negative value) 364=Decision tree response, version 3: outcome 16 (negative value) 365=Decision tree response, version 3: outcome 17 (negative value) 366=Decision tree response, version 3: outcome 18 (negative value) 367=Decision tree response, version 3: outcome 19 (negative value) 368=Decision tree response, version 3: outcome 20 (negative value) 369=Decision tree response, version 3: outcome 22 (negative value) 370=Decision tree response, version 3: outcome 23 (negative value) 371=Decision tree response, version 3: outcome 24 (negative value) 372=Decision tree response, version 3: outcome 25 (negative value) 373=Decision tree response, version 3: outcome 26 (negative value) 374=Decision tree response, version 3: outcome 27 (negative value) 375=Decision tree response, version 3: outcome 28 (negative value) 376=Decision tree response, version 3: outcome 29 (negative value) 377=Decision tree response, version 3: outcome 30 (negative value) 378=Decision tree response, version 3: outcome 31 (negative value) 451=Decision tree response, version 4: outcome 1 (negative value) 452=Decision tree response, version 4: outcome 2 (negative value) 453=Decision tree response, version 4: outcome 3 (negative value) 454=Decision tree response, version 4: outcome 4 (negative value) 455=Decision tree response, version 4: outcome 5 (negative value) 456=Decision tree response, version 4: outcome 6 (negative value) 457=Decision tree response, version 4: outcome 7 (negative value) 458=Decision tree response, version 4: outcome 8 (negative value) 459=Decision tree response, version 4: outcome 9 (negative value) 460=Decision tree response, version 4: outcome 10 (negative value) 461=Decision tree response, version 4: outcome 11 (negative value) 462=Decision tree response, version 4: outcome 14 (negative value) 463=Decision tree response, version 4: outcome 15 (negative value) 464=Decision tree response, version 4: outcome 16 (negative value) 465=Decision tree response, version 4: outcome 17 (negative value) 466=Decision tree response, version 4: outcome 18 (negative value) 467=Decision tree response, version 4: outcome 19 (negative value) 468=Decision tree response, version 4: outcome 20 (negative value) 469=Decision tree response, version 4: outcome 22 (negative value) 470=Decision tree response, version 4: outcome 23 (negative value) 471=Decision tree response, version 4: outcome 24 (negative value) 472=Decision tree response, version 4: outcome 25 (negative value) 473=Decision tree response, version 4: outcome 26 (negative value) 474=Decision tree response, version 4: outcome 27 (negative value) 475=Decision tree response, version 4: outcome 28 (negative value) 476=Decision tree response, version 4: outcome 29 (negative value) 477=Decision tree response, version 4: outcome 30 (negative value) 478=Decision tree response, version 4: outcome 31 (negative value) 551=Decision tree response, version 5: outcome 1 (negative value) 552=Decision tree response, version 5: outcome 2 (negative value) 553=Decision tree response, version 5: outcome 3 (negative value) 554=Decision tree response, version 5: outcome 4 (negative value) 555=Decision tree response, version 5: outcome 5 (negative value) 556=Decision tree response, version 5: outcome 6 (negative value) 557=Decision tree response, version 5: outcome 7 (negative value) 558=Decision tree response, version 5: outcome 8 (negative value) 559=Decision tree response, version 5: outcome 9 (negative value) 560=Decision tree response, version 5: outcome 10 (negative value) 561=Decision tree response, version 5: outcome 11 (negative value) 562=Decision tree response, version 5: outcome 14 (negative value) 563=Decision tree response, version 5: outcome 15 (negative value) 564=Decision tree response, version 5: outcome 16 (negative value) 565=Decision tree response, version 5: outcome 17 (negative value) 566=Decision tree response, version 5: outcome 18 (negative value) 567=Decision tree response, version 5: outcome 19 (negative value) 568=Decision tree response, version 5: outcome 20 (negative value) 569=Decision tree response, version 5: outcome 22 (negative value) 570=Decision tree response, version 5: outcome 23 (negative value) 571=Decision tree response, version 5: outcome 24 (negative value) 572=Decision tree response, version 5: outcome 25 (negative value) 573=Decision tree response, version 5: outcome 26 (negative value) 574=Decision tree response, version 5: outcome 27 (negative value) 575=Decision tree response, version 5: outcome 28 (negative value) 576=Decision tree response, version 5: outcome 29 (negative value) 577=Decision tree response, version 5: outcome 30 (negative value) 578=Decision tree response, version 5: outcome 31 (negative value) 651=Decision tree response, version 6: outcome 1 (negative value) 652=Decision tree response, version 6: outcome 2 (negative value) 653=Decision tree response, version 6: outcome 3 (negative value) 654=Decision tree response, version 6: outcome 4 (negative value) 655=Decision tree response, version 6: outcome 5 (negative value) 656=Decision tree response, version 6: outcome 6 (negative value) 657=Decision tree response, version 6: outcome 7 (negative value) 658=Decision tree response, version 6: outcome 8 (negative value) 659=Decision tree response, version 6: outcome 9 (negative value) 660=Decision tree response, version 6: outcome 10 (negative value) 661=Decision tree response, version 6: outcome 11 (negative value) 662=Decision tree response, version 6: outcome 14 (negative value) 663=Decision tree response, version 6: outcome 15 (negative value) 664=Decision tree response, version 6: outcome 16 (negative value) 665=Decision tree response, version 6: outcome 17 (negative value) 666=Decision tree response, version 6: outcome 18 (negative value) 667=Decision tree response, version 6: outcome 19 (negative value) 668=Decision tree response, version 6: outcome 20 (negative value) 669=Decision tree response, version 6: outcome 22 (negative value) 670=Decision tree response, version 6: outcome 23 (negative value) 671=Decision tree response, version 6: outcome 24 (negative value) 672=Decision tree response, version 6: outcome 25 (negative value) 673=Decision tree response, version 6: outcome 26 (negative value) 674=Decision tree response, version 6: outcome 27 (negative value) 675=Decision tree response, version 6: outcome 28 (negative value) 676=Decision tree response, version 6: outcome 29 (negative value) 677=Decision tree response, version 6: outcome 30 (negative value) 678=Decision tree response, version 6: outcome 31 (negative value) 751=Decision tree response, version 7: outcome 1 (negative value) 752=Decision tree response, version 7: outcome 2 (negative value) 753=Decision tree response, version 7: outcome 3 (negative value) 754=Decision tree response, version 7: outcome 4 (negative value) 755=Decision tree response, version 7: outcome 5 (negative value) 756=Decision tree response, version 7: outcome 6 (negative value) 757=Decision tree response, version 7: outcome 7 (negative value) 758=Decision tree response, version 7: outcome 8 (negative value) 759=Decision tree response, version 7: outcome 9 (negative value) 760=Decision tree response, version 7: outcome 10 (negative value) 761=Decision tree response, version 7: outcome 11 (negative value) 762=Decision tree response, version 7: outcome 14 (negative value) 763=Decision tree response, version 7: outcome 15 (negative value) 764=Decision tree response, version 7: outcome 16 (negative value) 765=Decision tree response, version 7: outcome 17 (negative value) 766=Decision tree response, version 7: outcome 18 (negative value) 767=Decision tree response, version 7: outcome 19 (negative value) 768=Decision tree response, version 7: outcome 20 (negative value) 769=Decision tree response, version 7: outcome 22 (negative value) 770=Decision tree response, version 7: outcome 23 (negative value) 771=Decision tree response, version 7: outcome 24 (negative value) 772=Decision tree response, version 7: outcome 25 (negative value) 773=Decision tree response, version 7: outcome 26 (negative value) 774=Decision tree response, version 7: outcome 27 (negative value) 775=Decision tree response, version 7: outcome 28 (negative value) 776=Decision tree response, version 7: outcome 29 (negative value) 777=Decision tree response, version 7: outcome 30 (negative value) 778=Decision tree response, version 7: outcome 31 (negative value) 851=Decision tree response, version 7: outcome 1 (negative value) 852=Decision tree response, version 7: outcome 2 (negative value) 853=Decision tree response, version 7: outcome 3 (negative value) 854=Decision tree response, version 7: outcome 4 (negative value) 855=Decision tree response, version 7: outcome 5 (negative value) 856=Decision tree response, version 7: outcome 6 (negative value) 857=Decision tree response, version 7: outcome 7 (negative value) 858=Decision tree response, version 7: outcome 8 (negative value) 859=Decision tree response, version 7: outcome 9 (negative value) 860=Decision tree response, version 7: outcome 10 (negative value) 861=Decision tree response, version 7: outcome 11 (negative value) 862=Decision tree response, version 7: outcome 14 (negative value) 863=Decision tree response, version 7: outcome 15 (negative value) 864=Decision tree response, version 7: outcome 16 (negative value) 865=Decision tree response, version 7: outcome 17 (negative value) 866=Decision tree response, version 7: outcome 18 (negative value) 867=Decision tree response, version 7: outcome 19 (negative value) 868=Decision tree response, version 7: outcome 20 (negative value) 869=Decision tree response, version 7: outcome 22 (negative value) 870=Decision tree response, version 7: outcome 23 (negative value) 871=Decision tree response, version 7: outcome 24 (negative value) 872=Decision tree response, version 7: outcome 25 (negative value) 873=Decision tree response, version 7: outcome 26 (negative value) 874=Decision tree response, version 7: outcome 27 (negative value) 875=Decision tree response, version 7: outcome 28 (negative value) 876=Decision tree response, version 7: outcome 29 (negative value) 877=Decision tree response, version 7: outcome 30 (negative value) 878=Decision tree response, version 7: outcome 31 (negative value) RANGE CARD RESPONSES FOR NEGATIVE NUMBERS 951=Range card response via [F9]: range A. -$1 to -$100 952=Range card response via [F9]: range B. -$101 to -$500 953=Range card response via [F9]: range C. -$501 to -$750 954=Range card response via [F9]: range D. -$751 to -$1,000 955=Range card response via [F9]: range E. -$1,001 to -$2,500 956=Range card response via [F9]: range F. -$2,501 to -$5,000 957=Range card response via [F9]: range G. -$5,001 to -$7,500 958=Range card response via [F9]: range H. -$7,501 to -$10,000 959=Range card response via [F9]: range I. -$10,001 to -$25,000 960=Range card response via [F9]: range J. -$25,001 to -$50,000 961=Range card response via [F9]: range K. -$50,001 to -$75,000 962=Range card response via [F9]: range L. -$75,001 to -$100,000 963=Range card response via [F9]: range M. -$100,001 to -$250,000 964=Range card response via [F9]: range N. -$250,001 to -$1,000,000 965=Range card response via [F9]: range O. -$1,000,001 to -$5,000,000 966=Range card response via [F9]: range P. -$5,000,001 to -$10,000,000 967=Range card response via [F9]: range Q. -$10,000,001 to -$25,000,000 968=Range card response via [F9]: range R. -$25,000,001 to -$50,000,000 969=Range card response via [F9]: range S. -$50,000,001 to -$100,000,000 970=Range card response via [F9]: range T. Less than -$100,000,000 971=Range card response via DKDOL: range A. -$1 to -$100 972=Range card response via DKDOL: range B. -$101 to -$500 973=Range card response via DKDOL: range C. -$501 to -$750 974=Range card response via DKDOL: range D. -$751 to -$1,000 975=Range card response via DKDOL: range E. -$1,001 to -$2,500 976=Range card response via DKDOL: range F. -$2,501 to -$5,000 977=Range card response via DKDOL: range G. -$5,001 to -$7,500 978=Range card response via DKDOL: range H. -$7,501 to -$10,000 979=Range card response via DKDOL: range I. -$10,001 to -$25,000 980=Range card response via DKDOL: range J. -$25,001 to -$50,000 981=Range card response via DKDOL: range K. -$50,001 to -$75,000 982=Range card response via DKDOL: range L. -$75,001 to -$100,000 983=Range card response via DKDOL: range M. -$100,001 to -$250,000 984=Range card response via DKDOL: range N. -$250,001 to -$1,000,000 985=Range card response via DKDOL: range O. -$1,000,001 to -$5,000,000 986=Range card response via DKDOL: range P. -$5,000,001 to -$10,000,000 987=Range card response via DKDOL: range Q. -$10,000,001 to -$25,000,000 988=Range card response via DKDOL: range R. -$25,000,001 to -$50,000,000 989=Range card response via DKDOL: range S. -$50,000,001 to -$100,000,000 990=Range card response via DKDOL: range T. Less than -$100,000,000 RESPONDENT-PROVIDED DOLLAR RANGE FOR NEGATIVE NUMBERS 991=Upper and lower bounds given (negative amount) 992=Upper bound given, lower bound missing (negative amount) 993=Lower bound given, upper bound missing (negative amount) OTHER RANGE RESPONSES THAT YIELDED NO NUMERICAL BOUNDING INFORMATION: ALL VARIABLES WITH J-CODE VALUES BELOW THIS POINT INITIALLY CONTAIN MISSING VALUE CODES AND ALL VARIABLES WITH J-CODE VALUES ABOVE THIS POINT INITIALLY CONTAIN A RANGE MID-POINT OR OTHER SUCH VALUE INTERVIEWER COMMENT INDICATING NEGATIVE NUMBER 994=Decision tree response, any version: outcome 21 (negative amount) 995=Decision tree response, any version: outcome 12 (negative amount) 996=Decision tree response, any version: outcome 13 (negative amount) 997=R reached range card field by agreeing to give a range at a dollar field, volunteered to give a letter from the range card, and subsequently responded DK/Refuse letter from the range card (negative amount) 998=R answered DK/Refused to a dollar question, volunteered to give a letter from the range card, and subsequently responded DK/Refuse letter from the range card (negative amount) 999=R reached a field allowing both an upper bound and a lower bound for a dollar amount by volunteering to give a range, but subsequently responded DK/Ref to both upper and lower bound (negative amount) 1000=R answered DK to main $ question, and refused following question requesting a range from the range card (negative amount) 1001=R answered Ref to main $ question, and refused following question requesting a range from the range card (negative amount) NO INDICATION OF NEGATIVE NUMBER 1094=Decision tree response, any version: outcome 21 1095=Decision tree response, any version: outcome 12 1096=Decision tree response, any version: outcome 13 1097=R reached range card field by agreeing to give a range at a dollar field, volunteered to give a letter from the range card, and subsequently responded DK/Refuse letter from the range card 1098=R answered DK/Refused to a dollar question, volunteered to give a letter from the range card, and subsequently responded DK/Refuse letter from the range card 1099=R reached a field allowing both an upper bound and a lower bound for a dollar amount by volunteering to give a range, but subsequently responded DK/Ref to both upper and lower bound 1100=R answered DK to main $ question, and refused following question requesting a range from the range card 1101=R answered Ref to main $ question, and refused following question requesting a range from the range card OTHER CODES FOR MISSING DATA 2050 = original response was DK. 2051 = original response was NA (includes interviewer errors, and missing data resulting from editing decisions). Does not include data missing as a result of missing higher-order questions. 2052 = original response missing as a result of missing information for a higher-order question (typically a YES/NO cut question). In this case, the higher-order question has been imputed in such a way as to render the response appropriate. Also includes some other miscellaneous cases: (1) if a dollar variable was missing and DKDOL returned a DK/REF, the corresponding frequency is given a missing value code equal to that of the dollar field; (2) similarly, for clusters of variables containing a dollar amount and percent options. 2053 = refused 2054 = some, DK how many (see B6). 2060 = unresolved data problem (none should remain in final dataset). 2079 = data missing because of questionnaire error, or data not collected. 2080 = recode variable, missing because data not collected for sub-group, data to be imputed. 2081 = recode variable, some, but not all components originally missing. 2082 = recode variable, all components originally missing. 2097 = override of reported information with (at least partially) imputed data 2098 = override of reported/inap./other information with a missing value. 2099 = used for absent spouse for J104 or J105 when X104 or X105 < 0. 3000 = data missing because R broke off the interview (each of these cases reviewed to be sure that sufficient information is reported that the case can count as a "partial accepted as complete") 3001 = program, reporting or recording error. 3002 = temporary value given to variables containing illegal values. These will all be resolved in editing and converted to other existing codes. (includes "range U") 3003 = illegal zeroes 3004 = uninformative/irrelevant verbatim response 3005 = data not available (applies to data from HEF) General instructions for J variable coding for recoded variables: When a recoded variable is taken directly from another single X-variable, it should have the same J-variable code. When a recoded variable may come from a single variable in the original X-variables, or as the result of a calculation based on some number of X-variables, it is important to distinguish the information content in the J-variables. As noted above, when the value is taken directly, the J-variable should have exactly the same value as that for the X-variable's shadow J-variable. However, when some calculation is involved, this should be reflected in the J-variable -- codes 8, 2081, and 2082. When a recode cannot be computed because some part of the underlying information was not collected for some subset of cases, the recode's J-variable should be coded 9 or 2080. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- GRIDS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Some sets of questions have a natural iterative pattern. For example, the survey asks for detailed information on up to the first six checking accounts owned by the PEU, and summary information is collected about all remaining accounts. The detailed questions are the same for each account. In past interviews done with paper and pencil, some respondents have resisted answering all the detailed questions and have been willing to provide only summary information. Typically, interviewers recorded the summary information in the margins of the questionniare, and editors allocated the data to the skipped questions according to a set of fixed rules. To allow for a variety of respondent-interviewer interactions in the SCF CAPI program, the grid questions were organized to provide a way of collecting summary information in a systematic way. We refer to the associated summary variables as "mop-up variables." Past surveys also indicated that some respondents recalled additional instances of items once they began answering questions in a grid, but interviewers often did not revise the originally reported number. The CAPI procedures were set up to allow for this possibility as well. Consider first a respondent who gives a non-missing response to the question that asks for the number of items of the type to be queried in the grid. The interviewer would ask the respondent the first set of detailed questions on the item. Then, the interviewer would be confronted with a question (not to be read to the respondent); INTERVIEWER: CAN R PROVIDE INFORMATION ABOUT ANOTHER xxxx? The intention of this question was to allow the interviewer to deal with a potentially hostile respondent and immediately branch to the mop-up questions. If the respondent was cooperative, the interviewer entered a YES response and continued through an identical procedure for each iteration until either the number of items reported was exhausted, or the maximum number of detailed questions was asked and the mop-up question was asked to get summary information on all remaining items. If the respondent reported a number of items less than the maximum number about which the detailed questions are asked, the following question was asked at the end of the final iteration: Do you (or your family living here) have another xxxx? A YES response here indicates that the respondent recalled an additional instance in the process of answering the detailed questions. A respondent could continue to "add" iterations until the maximum number of iterations is reached and the mop-up questions are asked. Another possibility is that a respondent may either not know or be unwilling to tell the number of instances of an item. Because it is known that there is at least one such instance, the first set of detailed questions is asked. Then the respondent is asked: Do you (or your family living here) have another xxxx? The questioning then proceedes exactly as it would for a respondent who recalled additional instances. In processing the data, several steps were taken. Sometimes, interviewers sensed an unwillingness to answer additional questions even though only one more instance remained. In such cases, the mop-up data were mapped into the grid. The fact of this movement is not directly recorded in the J-variables for such cases, though the movement can be deduced from the patterns of J-variables of other questions within an iteration that do not have mop-up equivalents. When respondents added instances, the originally reported number was updated and stored in the customary SCF variable number. The originally reported number of instances has been retained in the dataset since such information cannot be recovered in any other way from the data made available. When summary information was given by respondents who broke off their responses in a grid prematurely, that information was used to bound the imputations of the detailed data. Data items that have an associated J-variable with a value of 90 are ones where a complete response was given in the parallel mop-up variable, and those with a J-variable of 91 are ones where a range response was given in the parallel mop-up variable. There are some complicated mixed cases where a respondent did not give a non-missing value for the number of instances, but was willing to provide non-missing mop-up data. Though tedious, it is possible to deduce this information from the data provided. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ACKNOWLEDGMENTS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- The SCF is a large project that involves intense commitment by many people. At the Federal Reserve, the main project staff involved with the creation of the data has included Gerhard Fries, Arthur Kennickell, Kevin Moore, Martha Starr-McCluer, Amy Stubbendick, Annika Sunden, Brian Surette, and Diane Whitmore. Robert Dietz, an unpaid FRB intern, made valuable contributions, including looking up the value of every automobile of every respondent in a used car guide. Important support has come from the FRB officer corps, particulary Edward Ettin and Myron Kwast who have invested their credibility in making the project possible. In addition to funding the survey, the individual members of the Board of Governors have actively encouraged the use of the survey. Support from the Statistics of Income Division at the IRS has been essential. Louise Woodburn has been deeply involved in the statistical design, weighting and disclosure review of the survey. Barry Johnson has been tireless in his work to obtain the necessary data for the selection of the list sample, in his work on the disclosure review, and in sharing the insights he has gained in working with the IRS estate tax data. Dan Skelly, the director of SOI, and James Nunns at the Office of Tax Analysis at the Department of the Treasury have encouraged us through many difficult periods. At the National Opinion Research Center at the University of Chicago, very many people have touched the project in important ways. The project directors for the 1995 SCF at NORC were Nick Holt and Alisu Schoua-Guesberg. Geoff Walker and Val Cooke developed the software used for CAPI. At the time the program was written, it was the largest such program ever constructed, and it is only through their creativity and dedication that the ultimate product was successful. Deep thanks are due to many others at the NORC central office, including Phil DePoy, Martin Frankel, Karen Grigorian, Thomas Harris, Nick Holt, Felice Levin, Judy Lindmark, Shawn Marsh, Jim Rogers, William Tillford, Suzanne Turner, and Robert Wagers. I apologize to the many other people whose names I cannot remember. One of the greatest strengths of NORC is its field staff. The managers in the field for the 1995 SCF included Lee Brandon, Idamae Downs, Shirley Flood, Lynn Gallagher, Rececca Harrass, Janice Hosier, Patricia Johnson, Alice Lavka, Myrna Luncy, Susan Miller, Nancy Mutz, Sandra Pitzer, Norma Smith, Barbara Watt, Linda Wiedmer, and Jacqueline Winchell. These are very creative and dedicated people. Pat Phillips deserves special recognition in her superb management of field activities. The interviewers, some of whom may prefer not to be named, were the people who did the hardest work. In 1995, SCF interviewers included many experienced interviewers--some on earlier SCFs--and others from a wide variety of backgrounds (there were business people, musicians, painters, scholars, writers, and many others). They deserve the deep gratitude of all users of the SCF data. The only people who gave more than the interviewers were the survey respondents, who are necessarily anonymous. May every user remember that some person gave his or her time to create the data that make their analysis possible. No set of acknowledgements would be complete without mentioning three people. Fritz Scheuren, formerly director of Statistics of Income at the IRS has provided early and continuing encouragement, insights, and support for the SCF project. Bob Avery, my predecessor as director of the SCF, is a colleague who not only created the atmosphere that made the current development of the project possible, but who continues to contribute as a sounding board for our ideas. Finally, Dorothy S. Projector, project director of the Federal Reserve's landmark 1962-63 Survey of Financial Characteristics of Consumers, set a very high standard for all future work on household wealth surveys. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- LIST OF VARIABLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- IMPORTANT NOTE: not all variables listed below appear in the public use dataset -- see list of included variables near the end of this file. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- MISC. CONTROL FILE DATA AND WEIGHTS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- XX1 Internal case ID (4-digit) -- identical for all imputation replicates Area Prob, original sample: 5xxxxx Area Prob, added sample: 505xxx Area Prob, missed HU: 01xxxx 02xxxx . . 09xxxx 10xxxx 11xxxx 12xxxx 21xxxx 22xxxx List, original cases: 00xxxx List, divorced spouse: 60xxxx ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1 Internal ID/replicate number -- XX1*10 + imputation replicate number (1-5) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** YY1 Case ID for external users 0. Inap. (not a completed interview) Y1 Equivalent for X1 for external users 0. Inap. (not a completed interview) X30022 Census region 1. Northeast 2. North central 3. South 4. West X30074 9-level Census division code 1. Northeast: New England Division (CT, ME, MA, NH, RI, VT) 2. Northeast: Middle Atlantic Division (NY, NJ, PA) 3. South: South Atlantic Division: (DE, DC, FL, GA, MD, NC SC, VA, WV) 4. South: East South Central Division: (AL, KY, MS, TN) 5. South: West South Central Division: (AR, LA, OK TX) 6. Midwest: East North Central Division (IL, IN, MI OH WI) 7. Midwest: West North Central Division (IA, KS, MN, MO, NE, ND, SD) 8. West: Mountain Division (AZ, CO, ID, MT, NV, UT, WY, NM) 9. West: Pacific Division (AK, CA, HI, OR, WA) X42000 Original Kennickell-Woodburn consistent weight. X42001 Revised Kennickell-Woodburn consistent weight: accounts for systemative deviations from CPS estimates of homeownership by racial/ethnic groups. This weight should be used for all estimations using the final 1995 SCF data for which weights are appropriate. ----------------------------------------------------------------------------- REPLICATE WEIGHTS AND MULTIPLICITY FACTORS ----------------------------------------------------------------------------- As noted in the introduction, there is an additional data file which contains replicate weights and multiplicity factors to be used in estimating sampling variances. The file corresponds to the main weight X42001. The replicate weights are of the form WT1Bi, where i=1,...999 The multiplicity factors are of the form MMi, where i=1,...999 Replicate weights with a given index correspond to multiplicity factors with the same index. ********************************************* INCLUDED IN A SEPARATE PUBLIC DATASET ********************************************* ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- HOUSEHOLD LISTING ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X8000 Original respondent and spouse/partner variables reversed. THE PERSON REFERRED TO AS THE "HEAD" IN THIS CODEBOOK IS EITHER THE MALE IN A MIXED-SEX COUPLE OR THE OLDER INDIVIDUAL IN A SAME-SEX COUPLE. WHERE X8000=1, ALL VARIABLES IN THE DATASET THAT ORIGINALLY REFERRED TO "RESPONDENT" AND "SPOUSE/PARTNER" AND ALL CODES THAT CONTAIN THE SAME REFERENCES HAVE BEEN REVERSED. THIS CHANGE IS MADE FOR CONVENIENCE IN PROCESSING THE DATA AND INDICATES NO JUDGMENT WHATSOEVER ABOUT THE ARRANGEMENTS OF INDIVIDUAL FAMILIES. THE QUESTION TEXT AND ASSOCIATED CODES GIVEN HERE HAVE NOT BEEN ALTERED TO USE THE WORD "HEAD." NO CHANGE IS MADE WHERE THE SPOUSE/PARTNER IS ABSENT FROM THE HOUSEHOLD AND IS NOT INCLUDED IN THE INTERVIEW (X100=5). 1. Reversed 5. Not reversed X100 Indicator for inclusion of income, debt, assets, etc. of an absent spouse/partner in the interview. Technically, this indicator reflects whether the spouse/partner is a part of the primary economic unit. 1. Included in Iw 5. Not included in Iw 0. Inap. (Spouse present; legally married and partner present; no spouse/partner) X101 Number of people in the household according to the HHL. Code total # of persons in HHL 11. 11 or more people NOTE: detailed data (X8020 etc.) are collected on at most 10 people in the household. Respondents who provide information on 10 people are asked whether there are any other people in the household; X101 is coded 11 for respondents who answer this question YES. X7001 Number of people in the primary economic unit. Code total # of persons 11. 11 or more people X8020(#1) Before we start the interview, I need to list the people who X102(#2) live here and obtain some basic information about each one. X108(#3) Let's start with you. X114(#4) X120(#5) What is the next person's relationship to you? X126(#6) X132(#7) 1. RESPONDENT X202(#8) 2. Spouse of R X208(#9) 3. Partner of R X214(#10) 4. Child (incl. in-laws) X220(#11) 13. Child of partner (only if volunteered) 5. Grandchild 6. Parent (incl. in-laws) 7. Grandparent (incl. in-laws) 8. Aunt/uncle 9. Cousin 10. Niece/nephew 11. Sister/brother (incl. in-laws) 12. Great grandchild 29. Other relative 31. Roommate 32. Friend 33. Relative of Partner 34. Boarder or roomer/lodger 35. Paid help (maid, etc.) 36. Foster child 39. Other unrelated person 45. Absent spouse, treated as PEU member 0. Inap. (No further persons) NOTE: position #2 contains only spouse/partner information; in all other cases the #2 position contains all zeroes. NOTE: position #11 contains non-zero data only in cases where there were 10 or more people in the household and the respondent had no spouse/partner. X8021(#1) IF POSSIBLE, CODE WITHOUT ASKING. IF NECESSARY, ASK: X103(#2) (I am required to ask your sex./What is that person's sex?) X109(#3) X115(#4) 1. Male X121(#5) 2. Female X127(#6) 0. Inap. (No further persons) X133(#7) X203(#8) X209(#9) X215(#10) X221(#11) What is your date of birth? What is (his/her) date of birth? X5907(#1) Code month X6107(#2) 0. Inap. (/no spouse or partner) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X7003(#1) Code day of month X7382(#2) 0. Inap. (/no spouse or partner) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X5908(#1) Code year (4 digits) X6108(#2) 0. Inap. (/no spouse or partner) X8022(#1) FOR THE RESPONDENT, THIS VARIABLE CONTAINS THE DATE-OF-BIRTH X104(#2) AGE UNLESS HE/SHE REJECTS THAT AGE WHEN ASKED FOR CONFIRMATION X110(#3) AND PROVIDES ANOTHER AGE (SEE X14 BELOW). X116(#4) X122(#5) How old is (he/she/that person)? X128(#6) X134(#7) Code AGE X204(#8) -1. Less than one year X210(#9) 0. Inap. (No further persons) X216(#10) X222(#11) ********************************************************** FOR THE PUBLIC DATASET, X104 AND X8022 ARE TOP-CODED CODED AT 95 ********************************************************** X14 Respondent: "Reconciled age" X19 Spouse: "Reconciled age" IN THE CAPI PROGRAM USED IN THE 1995 SURVEY, DESIGNATED Rs WERE FIRST ASKED THEIR DATE OF BIRTH (X5907/X7003/X5908 OR X6107/X7382/X6108 DEPENDING ON THE VALUE OF X8000). THE COMPUTER CALCULATED THEIR AGE AND THEN THE INTERVIEWER ASKED FOR CONFIRMATION (X7005/X7015). AT THAT POINT, A RESPONDENT COULD AGREE TO THE COMPUTED AGE, CORRECT THEIR BIRTH DATE, OR PROVIDE A DIFFERENT AGE (X8022/X104). FOR THE DESIGNATED R, THIS VARIABLE CONTAINS THE DOB AGE UNLESS A DIFFERENT AGE WAS REPORTED SUBSEQUENTLY. FOR THE R'S SPOUSE/PARTNER, ONLY AGE WAS ASKED DURING THE HOUSEHOLD LISTING AND DATE OF BIRTH WAS ASKED LATER IN THE QUESTIONNIARE. HOWEVER, THERE WAS NO CONFIRMATION/ RECONCILIATION BUILT INTO THE PROGRAM FOR THE SPOUSE/PARTNER. THIS AGE VARIABLE WAS USED IN ALL CONVERSIONS OR CALCULATIONS INVOLVING AGES OF R/S. Code age 0. Inap. (No further persons) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 95 ********************************************* X13 Respondent: Age computed from date of birth X18 Spouse: Age computed from date of birth (BASED ON X5907/X7003/X5908 OR X6107/X7382/X6108 DEPENDING ON THE VALUE OF X8000) Code age 0. Inap. (No further persons) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X7005(#1) So, you are (COMPUTED AGE) years old? X7015(#2) (ASKED ONLY OF DESIGNATED RESPONDENT) 1. YES 3. NO, FIX AGE 5. Missing value for year of birth 9. Not asked 0. Inap. (No spouse/partner) X7006(#3) Is (he/she/that person) 18 or older? X7007(#4) X7008(#5) 1. YES X7009(#6) 5. NO X7010(#7) 0. Inap. (No further persons) X7011(#8) X7012(#9) X7013(#10) X7014(#11) X8023(#1) (Are you/Is [RELATIONSHIP] currently married or X105(#2) living with a partner, separated, divorced, X111(#3) widowed, or (have you/has [he/she]) never been married? X117(#4) (NOTE: if R lives with a partner who is financially X123(#5) interdependent, this variable is always coded '2' for the X129(#6) head and partner. The legal marital status of each is X135(#7) given by X7372 and X7018 respectively.) X205(#8) X211(#9) 1. (M) Married X217(#10) 2. (P) Living with a partner X223(#11) 3. (S) Separated 4. (D) Divorced 5. (W) Widowed 6. (NM) Never married 0. Inap. (Person not over 18; no further persons) NOTE: for the person in position #1, this variable contains the current living arrangement, which is not necessarily the information reported in the interview. For example, a respondent may have answered "married" to this question, but actually be living with a partner; in this case, the variable has been recoded coded "partner." X7000(#1) Does your (spouse/partner) live with you now? 1. YES 5. NO 0. Inap. (No spouse/partner) X7002(#1) Do you live with a partner? 1. YES 5. NO X8024(#1) Does (he/she) usually live here? X106(#2) (FILLED IN FOR RESPONDENT) X112(#3) X118(#4) 1. YES (incl. R and Spouse/Partner) X124(#5) 5. NO X130(#6) 0. Inap. (Person other than #1/#2 under 18; no further persons) X136(#7) X206(#8) X212(#9) X218(#10) X224(#11) X8098(#1) Do you and your (husband/wife/partner) have shared X107(#2) finances? X113(#3) (ASKED ONLY IF SPOUSE/PARTNER DOES NOT USUALLY LIVE X119(#4) THERE, OTHERWISE ASSUMED TO BE SHARED FINANCES.) X125(#5) X131(#6) Does (RELATIONSHIP) depend on you (and your X137(#7) [husband/wife/partner]) for most of (his/her) X207(#8) support or is (he/she) financially independent for X213(#9) the most part? X219(#10) (THIS QUESTION IS KEY IN DEFINING THE PRIMARY X225(#11) ECONOMIC UNIT--SEE INTRODUCTION. A SPOUSE/PARTNER WHO LIVES THERE AT THE TIME OF THE INTERVIEW OR WHO USUALLY LIVES THERE IS ASSUMED TO BE FINANCIALL INTERRELATED WITH THE R. SIMILARLY, CHILDREN UNDER THE AGE OF 18 ARE ALSO ASSUMED TO BE FIANCIALLY DEPENDENT ON THE R, EVEN THOUGH IT IS POSSIBLE THAT SOME CHILDRENT OF PEOPLE OUTSIDE THE PEU MAY BE INCLUDED BY THIS RULE.) 1. FINANCIALLY DEPENDENT (TRIVIALLY FOR R) 5. FINANCIALLY INDEPENDENT 0. Inap. (No further persons) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- FINANCIAL INSTITUTIONS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- I will be asking you about various kinds of household financial matters during this interview. (IF MORE THAN ONE PERSON LISTED BELOW HAVE RESPONDENT WRITE THE NAMES ON THE BOTTOM OF THE INSTITUTION CARD AND READ: As we go through the interview, this card will serve as a reminder of the people we are referring to when we say your "family living here". (READ RELATIONSHIP OF MEMBERS LISTED BELOW) X301 I'd like to start this interview by asking you about your expectations for the future. Over the next five years, do you expect the U.S. economy as a whole to perform better, worse, or about the same as it has over the past five years? 1. Better 2. Worse 3. About the same X302 Five years from now, do you think interest rates will be higher, lower, or about the same as today? 1. Higher 2. Lower 3. About the same X7100 (SHOW CARD 1) When making major decisions about credit or borrowing, some people shop around for the very best terms while others don't. (What number would you be on the scale?/What number would your family be on the scale?) 1. ALMOST NO SHOPPING 2. 3. MODERATE SHOPPING 4. 5. A GREAT DEAL OF SHOPPING NOTE: CARD 1 contains the following information: The numbers 1 through 5 in a horizonal row bounded by dark lines. Below 1 is printed "Almost no shopping"; below 3 is printed "Moderate shopping"; and below 5 is printed "A great deal of shopping." Nothing is printed below 2 and 4. X7101 What sort of information do you and your (spouse/partner) X7102 use to make decisions about credit or borrowing? Do you X7103 call around for terms? Do you read newspapers, magazines, X7104 or material that you get in the mail? Do you get advice X7105 from a friend, relative, lawyer, accountant, or financial X7106 planner? Or do you do something else? X7107 X7108 What sort of information do you use to make decisions about X7109 credit or borrowing? Do you call around for terms? Do X7110 you read newspapers, magazines, or material that you get in the mail? Do you get advice from a friend, relative, lawyer, accountant, or financial planner? Or do you do something else? (CODE ALL THAT APPLY, in order reported) 1. Call around 2. Material in the mail 3. Other advertisements 4. Accountant 5. Magazines/newspapers 6. Friend/relative 7. Lawyer 8. Financial planner 9. Never borrow or haven't borrowed lately 11. Information from store/dealer 12. Bankers; other lenders 13. Television; cable; radio 14. Computerized data services; other data services 15. Don't shop around; always use same institution 16. Past experience 17. Material from work/business contacts 18. Self; No information other than what R/family knows 19. Other personal research 21. Real estate broker; builder 22. Other institutional source (e.g., college, social service agency, etc.) -7. Other types of information X7111 (SHOW CARD 1) When making major saving and investment decisions, some people shop around for the very best terms while others don't. What number would you be on the scale? What number would your family be on the scale? 1. ALMOST NO SHOPPING 2. 3. MODERATE SHOPPING 4. 5. A GREAT DEAL OF SHOPPING NOTE: See X7100 for a description of CARD 1. X7112 How do you and your (spouse/partner) make decisions about X7113 saving and investments? Do you call around for rates? Do X7114 you read newspapers, magazines, or material you get in the X7115 mail? Do you get advice from a friend, relative, lawyer, X7116 accountant, or financial planner? Or do you do somethingelse?/ X7117 X7118 How do you make decisions about saving and investments? Do X7119 you call around for rates? Do you read newspapers, X7120 magazines, or material you get in the mail? Do you get X7121 advice from a friend, relative, lawyer, accountant, or financial planner? Or do you do something else? (CODE ALL THAT APPLY, in order reported) 1. CALL AROUND 2. Friend/relative 3. Accountant 4. Lawyer 5. Financial planner/BROKER 6. Magazines/newspapers 8. Material in the mail 10. DO NOT SAVE/INVEST 11. Other advertisements 12. Bankers; other institutions 13. Television; cable; radio 14. Computerized data services; other data services 15. Don't shop around, always use same institution 16. Past experience 17. Material from work/business contacts 18. Self; No information other than what R/family knows 19. Investment club 20. Investment seminars 21. Other personal research 23. Shop around -7. Other types of information X305 The next few questions are about the financial institutions that you do business with. With how many financial institutions do you currently have accounts or loans, or regularly do personal financial business? Include banks, savings and loans, credit unions, brokerages, loan companies, and so forth, but not institutions where you have only credit cards or business accounts. With how many financial institutions do you and your family living here currently have accounts or loans, or regularly do personal financial business? Include banks, savings and loans, credit unions, brokerages, loan companies, and so forth, but not institutions where you have only credit cards or business accounts. X8300 Inferred number of institutions. When institutions were reported (or in some cases, imputed) after the institution data were collected (except in the case of bank-type credit cards) the CAPI program returned to the institution questions for the added institutions. In some cases, interviewers failed to enter the new institution properly, so the followup questions were not generated by the CAPI program. X8300 takes the originally reported value of X305 as its base and adds additional institutions whenever a commercial bank, savings and loan, credit union, brokerage, money market fund, finance company, or mortgage company was reported without an initial link to the institution data. Where there were more than the 6 institutions on which detailed information was collected, the total number of institutions was augmented and stored in X8300. In cases where any of the first six institutions have been inferred from an interviewer error, the detailed information (location and how R does business) has been imputed. Code NUMBER -1. NONE Institutions were enumerated by name, and the name was used as a text fill later in the interview when, e.g., the R was asked to identify the institution where the main checking account was held. To protect the privacy of respondents, this variable was not retained in the dataset. (What is the name of this financial institution?/ What is the name of the financial institution where you do the most business?/What is the name of the financial institution where you and your family living here do the most business?) [What is the name of the financial institution where you do the (second/third/fourth/fifth/sixth) most business?/ What is the name of the financial institution where you and your family living here do the (second/third/fourth/fifth/sixth) most business? Once the program had generated questions about the number of institutions specified by X305, the program asked: Do you have any other financial institutions which we have not listed yet? (Have you included all your accounts?/Have you included the accounts for all the people in your household?) If the R recalled an additional account, the program was set up to augment the list of institutions until the respondent said there were no more. If X305 contained a value that indicated that there were accounts, but the number was a missing value, the R was asked: X308(#1) About (name of institution), what kind of institution is X312(#2) this? (Is it a commercial bank, a savings and loan or X316(#3) savings bank, a credit union, a finance or loan company, a X320(#4) brokerage, or what?) X324(#5) X328(#6) Now, I need a little more information on the institutions we've added to the card since the start of the interview. (If R added institutions during the interview, the CAPI program generated the detailed questions on those institutions after the section on financial assets was completed.) MASTER INSTITUTION LIST 11. Commercial bank; "trust company 12. Savings & Loan association or savings bank 13. Credit union 14. Finance or loan company 15. Store or dealer 16. Brokerage company; "mutual fund" -- NFS 17. Insurance company 18. Mortage company 19. Contractor or developer 20. Prior owner 21. Automobile finance company; GMAC, Ford CDT 22. Doctor or hospital; dentist 23. Lawyer 24. Accountant 25. Employer 26. Friend or Relative (not codeable above) 27. Individual Lender/Advisor (not codeable above) 28. Pension Administrator 31. Real estate (investment) company 32. School/college/university 33. Local/county/state government (except code 42) 34. Special federal government agency; FMHA, SBA, VA, FHA, HUD, NDSL 35. Federal government general or NA agency; IRS 37. Self/spouse (manages own trust) 38. Bank or general purpose credit card company; Visa, Carte Blanche, Master Card (except American Express code 51) 39. Union 40. Church 41. American Association of Retired Persons (AARP) 42. Courts 50. Discover card (Sears) (V415-418 only) ("Sears" only use code 15) 51. American Express/Optima card 52. AT&T card 61. Other membership organization; AAA, NEA, NTA (V415-418 only) 62. Tribal and similar organizations 75. Foreign institution type 80. Direct student loan NEC (include references to Stafford, Perkins, Ford, etc. student loans when a more specific institution reference is not available). 92. Money market (mutual) funds, NFS 93. Farm-related lenders (not codeable above), or NA if membership group or government agency 94. Investment/management companies or consultants (not elsewhere classified) 95. Non-financial institution (except codes 40-42 and 61) -1. Combinations of TYPES of financial institutions -7. Other 0. Inap. (no institutions: X8300=-1/fewer than 2 institutions: X8300<2/fewer than 3 institutions: X8300<3/ fewer than 4 institutions: X8300<4/fewer than 5 institutions: X8300<5/fewer than 6 instiutions: X8300<6) NOTE: CARD 2 was available to the interviewer. This card contains the following in a vertical column: "Commercial Bank," "Savings and Loan or Savings Bank," "Credit Union," "Finance or Loan Company," "Brokerage," and "Other." Institution 1: X6600 X6601 X6602 X6603 X6604 X6605 X6606 X6607 Institution 2: X6608 X6609 X6610 X6611 X6612 X6613 X6614 X6615 Institution 3: X6616 X6617 X6618 X6619 X6620 X6621 X6622 X6623 Institution 4: X6624 X6625 X6626 X6627 X6628 X6629 X6630 X6631 Institution 5: X6632 X6633 X6634 X6635 X6636 X6637 X6638 X6639 Institution 6: X6640 X6641 X6642 X6643 X6644 X6645 X6646 X6647 How do you mainly do business with this institution (-by Cash Machine, in person, by mail, by phone, by computer, or some other way)? How does your family mainly do business with this institution (-by Cash Machine, in person, by mail, by phone, by computer, or some other way)? (CODE ALL THAT APPLY -- CODE MAIN METHOD FIRST) 1. By cash machine, ATM 2. In person (R or R's messenger) 3. By mail 4. By phone 5. Payroll deduction; direct deposit 6. Don't do regular business 9. Electronic transfer 10. Check, NFS 11. R's agent or manager 12. BY COMPUTER -7. OTHER 0. Inap. (no institutions: X8300=-1/fewer than 2 institutions: X8300<2/fewer than 3 institutions: X8300<3/ fewer than 4 institutions: X8300<4/fewer than 5 institutions: X8300<5/fewer than 6 instiutions: X8300<6) X310(#1) Roughly, how many miles is the office or cash machine of X314(#2) this institution from the home or workplace of the person X318(#3) who uses it most often? IF R ASKS: WE WANT THE CLOSER OF X322(#4) THE DISTANCE FROM HOME OR WORKPLACE. X326(#5) X330(#6) Code number of miles -1. LESS THAN A MILE 992. FOREIGN LOCATION 993. LOCATED AT WORK 51. OVER 50 MILES -7. LOCAL PHONE OR POST BOX 0. Inap. (no institutions: X8300=-1/fewer than 2 institutions: X8300<2/fewer than 3 institutions: X8300<3/ fewer than 4 institutions: X8300<4/fewer than 5 institutions: X8300<5/fewer than 6 instiutions: X8300<6) X306 Do you have a card that allows you to deposit or withdraw money from this institution using a cash machine? Do you have a card that allows you to deposit or withdraw money from these institutions using a cash machine? Do you or your family living here have a card that allows you to deposit or withdraw money from this institution using a cash machine? Do you or your family living here have a card that allows you to deposit or withdraw money from these institutions using a cash machine? 1. YES 5. NO 0. Inap. (no institutions: X8300=-1) X7582 A debit card is a card that you can present when you buy things that automatically deducts the amount of the purchase from the money in an account that you have. Do you use any debit cards? Does your family use any debit cards? INTERVIEWER: WE CARE ABOUT USE, NOT WHETHER R HAS A DEBIT CARD 1. YES 5. NO 0. Inap. (no institutions: X8300=-1) X7122 Some people have their paychecks or Social Security benefits or other money automatically paid directly into their accounts. (Do you have any money directly deposited into your account?/ Do you have any money directly deposited into one of your accounts?/ Do you or someone in your family living here have any money directly deposited into your family's account?/ Do you or someone in your family living here have any money directly deposited into one of your family's accounts?) (IF R ASKS, DO NOT INCLUDE INTEREST PAID ON THE ACCOUNT) 1. YES 5. NO 0. Inap. (no institiutions: X8300=-1) What kinds of deposits are these? (CODE ALL THAT APPLY) X7123 PAYCHECK/OTHER INCOME FROM WORK (e.g., consulting fees) X7124 SOCIAL SECURITY/RAILROAD RETIREMENT 1. Checked 5. Not checked 0. Inap. (no institutions, no automatic deposit: X7122=(0, 5)) X7125 OTHER 4. Disability payments; VA disability benefits 6. Supplemental Security Income (SSI) and other types of welfare 7. Automatic transfers from another account 8. Automatic payments on loans made by R (i.e., loans from shich R receives income) 9. Royalties and other investment income (Not Elsewhere Classified) 10. Alimony/support 12. Pension or other retirement income 13. Insurance reimbursement -7. Combination of Types 5. Not checked 0. Inap. (no institutions, no automatic deposit: X7122=(0, 5)) X7126 Some people have their utility bills, mortgage or rent payments, or other payments automatically paid directly from their accounts without having to write a check. (Do you have any payments that you make in this way?/ Do you and your family living here have any payments that you make in this way?) 1. YES 5. NO 0. Inap. (no accounts: X8300=-1) What sorts of payments are these? (CODE ALL THAT APPLY) X7127 UTILITY BILLS X7128 MORTGAGE/RENT 1. Checked 5. Not checked 0. Inap. (no accounts, no pre-auth. debits: X7126=(0, 5)) X7129 OTHER 4. Condominium/Coop fees 6. Lease payments 7. Insurance 8. Automatic transfers to other accounts/investments 9. Cable; newspapers; magazines 10. Gifts to charities/non-profits 11. Tuition 12. Health club; YMCA/YWCA/YMHA/YWHA 13. Other payments of irregular bills (e.g., credit card bills) 14. Alimony/support; other transfers to family members 16. Car loans; other non-mortgage loan payments (except credit cards) 17. Security system; garbage fees; other regular home maintenance fees 18. Safety deposit box 19. Internet provider payment -7. Other regular payments; combination of types 5. Not checked 0. Inap. (no accounts, no pre-auth. debits: X7126=(0, 5)) X7130 A 'smart card' is a type of payment card containing a computer chip which is set to hold a sum of money. As the card is used, purchases are subtracted from that sum. (Do you have any such cards that you can use for a variety of purchases?/ Do you or anyone in your family living here have any such cards that you can use for a variety of purchases?) 1. YES 5. NO ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CREDIT ATTITUDES AND CREDIT CARDS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X401 Now I would like to ask you some questions about how you feel about credit. In general, do you think it is a good idea or a bad idea for people to buy things on the installment plan? 1. Good idea 3. GOOD IN SOME WAYS, BAD IN OTHERS 5. Bad idea People have many different reasons for borrowing money which they pay back over a period of time. For each of the reasons I read, please tell me whether you feel it is all right for someone like yourself to borrow money... X402 first, to cover the expenses of a vacation trip? X403 next, to cover living expenses when income is cut? X404 next, to finance the purchase of a fur coat or jewelry? X405 next, to finance the purchase of a car? X406 finally, to finance educational expenses? 1. YES 5. NO X7131 [Have you and your (spouse/partner) applied for any type of credit or loan in the last five years?/ Have you applied for any type of credit or loan in the last five years?] 1. YES 5. NO X407 [In the past five years, has a particular lender or creditor turned down any request you or your (spouse/partner) made for credit, or not given you as much credit as you applied for?/ In the past five years, has a particular lender or creditor turned down any request you made for credit, or not given you as much credit as you applied for?] (PROBE: Turned down, or not as much credit?) IF TURNED DOWN AND NOT AS MUCH CREDIT, ASK WHICH IS MORE RECENT 1. Yes, turned down 3. Yes, not as much credit 5. No 0. Inap. (no credit application in previous 5 years: X7131=5) X408 [Were you later able to obtain the full amount you or your (spouse/partner) requested by reapplying to the same institution or by applying elsewhere?/ Were you later able to obtain the full amount you requested by reapplying to the same institution or by applying elsewhere?] 1. YES 3. Did Not Reapply 5. NO 0. Inap. (no credit application in previous 5 years: X7131=5; not turned down: X407=5) X7585 [On the most recent occasion, what reasons were you or your (spouse/partner) (given for being turned down for credit?/given for being unable to get as much credit as you applied for?)/ On the most recent occasion, what reasons were you given for (being turned down for credit?/being unable to get as much credit as you applied for?)] Personal Characteristics of Borrower 50. Family background/life history; who your parents (relatives) are 51. Family size; number of children or dependents 52. Marital status 53. Sex 54. Combination of marital status and sex, "single men", "married women" 55. Age 56. Race 57. Personal character/reputation, whether borrower is stable, honest; known by other people trusted by institution 58. Health 59. Other personal characteristics of borrower Credit Characteristics of Borrower 61. Need to have a checking/savings account (at institution) 62. Haven't established a credit history 63. Credit rating service/credit bureau reports 64. Credit records/history from other institution; other loans or charge account; previous payment records; bankruptcy 65. Lack of/not enough assets/collateral/property to secure the loan (except home ownership, code 74); size of down payment; financial status 66. Amount of debt; size of other payments; ability to repay loan 69. Other credit characteristics of borrower Financial Characteristics of Borrower 70. Bad Credit, NEC 71. Time on current job 72. Job; type of work; steady/secure employment; good job 73. Lack of job; not working; on welfare 74. Lack of homeownership 75. Time at current address; time in community or state 76. Amount of income; "income" 77. Source of income; retired 78. Where you live; what type of neighborhood/area of city you live in; if you live in the state/county 79. Other financial characteristics of borrower Miscellaneous 81. Lack of familiarity/experience; don't have an account there; I'm not a credit union member 82. Previous bad experience (N.E.C); had difficulty/been turned down NA why 83. Institution is more "strict" in lending requirements, NA in what areas 87. "Discrimination"; references to red-lining, NA basis 88. Inconvenient/difficult, not codeable above 89. Other miscellaneous 90. Didn't approve of purpose for which money was to be borrowed 91. Loan was too large for source to handle; source doesn't have much money to lend; money reserves of source are low 92. Interest 93. Insufficient collateral/equity -1. None; no reason was given; "bank policy -7. Other -- N.E.C 0. Inap. (no credit application in previous 5 years: X7131=5; not turned down: X407=5) X7584 What type of credit did you apply for? 1. Mortgage 2. Car loan 3. Other installment loan 4. Credit Card 6. Store account 17. Equity loan 18. Business/Investment loan 19. Line of credit 20. Personal loan 21. Consolidation loan -7. Other 0. Inap. (no credit application in previous 5 years: X7131=5; not turned down: X407=5) X409 [Was there any time in the past five years that you or your (spouse/partner) thought of applying for credit at a particular place, but changed your mind because you thought you might be turned down?/ Was there any time in the past five years that you thought of applying for credit at a particular place, but changed your mind because you thought you might be turned down?0 1. YES 5. NO X7583 [On the most recent occasion, why did you or your (spouse/partner) think you might be turned down?/ On the most recent occasion, why did you think you might be turned down?] Personal Characteristics of Borrower 50. Family background/life history; who your parents (relatives) are 51. Family size; number of children or dependents 52. Marital status 53. Sex 54. Combination of marital status and sex, "single men", "married women" 55. Age 56. Race 57. Personal character/reputation, whether borrower is stable, honest; known by other people trusted by institution 58. Health 59. Other personal characteristics of borrower Credit Characteristics of Borrower 61. Need to have a checking/savings account (at institution) 62. Haven't established a credit history 63. Credit rating service/credit bureau reports 64. Credit records/history reom other institiuon; other loans or charge account; previous payment records; bankruptcy 65. Lack of/not enough assets/collateral/property to secure the loan (except home ownership, code 74); size of down payment; financial status 66. Amount of debt; size of other payments; ability to repay loan 69. Other credit characteristics of borrower Financial Characteristics of Borrower 70. Bad Credit, NEC 71. Time on current job 72. Job; type of work; steady/secure employment; good job 73. Lack of job; not working; on welfare 74. Lack of homeownership 75. Time at current address; time in community or state 76. Amount of income; "income" 77. Source of income; retired 78. Where you live; what type of neighborhood/area of city you live in; if you live in the state/county 79. Other financial characteristics of borrower Miscellaneous 81. Lack of familiarity/experience; don't have an account there; I'm not a credit union member 82. Previous bad experience (N.E.C); had difficulty/been turned down NA why 83. Instutution is more "strict" in lending requirements, NA in what areas 87. "Discrimination"; references to red-lining, NA basis 88. Inconvenient/difficult, not codeable above 89. Other miscellaneous 90. Didn't approve of purpose for which money was to be borrowed 91. Loan was too large for source to handle; source doesn't have much money to lend; money reserves of source are low 92. Interest 93. Insufficient collateral/equity -1. None; no reason was given; "bank policy" -7. Other -- N.E.C 0. Inap. (did not expect to be turned down: X409=5) X410 Now I have some questions about credit cards and charge cards. (Do you have any credit cards or charge cards?/ Do you or anyone in your family living here have any credit cards or charge cards?) (Please do not include debit cards.) 1. YES 5. NO X7973(#1) Now I would like to ask you a few questions about your credit cards. (SHOW CARD 3) (Do you have any type of/ Do you and your family living here have any type of) Visa, Mastercard, Discover, or Optima cards? X7974(#2) (Do you have any type of/ Do you and your family living here have any type of) Sears, K-Mart, furniture, clothing and other store cards? X7975(#3) (Do you have any type of/ Do you and your family living here have any type of) Gasoline Cards such as Shell, Exxon, BP, Texaco, or Amoco? X7976(#4) (Do you have any type of/ Do you and your family living here have any type of) American Express, Diners Club, or Carte Blanche cards? X7977(#5) (Do you have any type of/ Do you and your family living here have any type of) Airline, Car Rental, or other cards? 1. YES 5. NO 0. Inap. (no credit cards: X410=5) NOTE: SHOW CARD 3 contains the following in a vertical column: "Visa, MasterCard, Discover, Optima," "Sears, K-Mart, furniture, clothing and other store cards," "Gasoline cards such as Shell, Exxon, BP, TExaco, and Amoco," "American Express, Diners, Carte Blanche," and "Airline, Car Rental, or other credit cards." X411(#1) How many? X419(#2) (Please do not count duplicate cards for the same account or X422(#3) any business or company accounts.) X425(#4) X428(#5) Code number -1. None 0. Inap. (no credit cards: X410=5; no cards of type) ********************************************************* FOR THE PUBLIC DATASET, THE NUMBER OF #1/2 CARDS IS TOP-CODED AT 10, #3/4/5 CARDS ARE TOP-CODED AT 5 ********************************************************* X412(#1) (On your last bills, roughly how much were the new charges X420(#2) made to these accounts?/ X423(#3) On your last bill, roughly how much were the new charges X426(#4) made to this account?) X429(#5) Code number -1. None 0. Inap. (no credit cards: X410=5; no cards of type) X413(#1) (After the last payments were made on these accounts, X421(#2) roughly what was the balance still owed on these accounts?/ X424(#3) After the last payment was made on this account, roughly X427(#4) what was the balance still owed on this account?) X430(#5) Code number -1. None 0. Inap. (no credit cards: X410=5; no cards of type) X414(#1) (What is the maximum amount you could borrow on all of these accounts; that is, what is your total credit limit?/ What is the maximum amount you could borrow on this account; that is, what is your total credit limit?) Code number -1. None 0. Inap. (no credit cards: X410=5; no cards of type) X7132(#1) What interest rate do you pay on the card where you have the largest balance? What is the interest rate on the card you got most recently? What interest rate do you pay on this card? INTERVIEWER: WE WANT TO KNOW THE RATE THAT R PAYS ON NEW BALANCES Code percent * 100 0. Inap. (no credit cards: X410=5; no cards of type) (#1) only: X415 X416 X417 X418 X7500 X6648 X6649 X6720 [Please look at the Institutions Card. Are these credit cards with any of the institutions on the Institutions Card, or from someplace else?/ Please look at the Institutions Card. Is this credit card with any institution on the Institutions Card, or from someplace else?] (CODE ALL THAT APPLY.) [IF INSTITUTIONS CARD: Which institution?] [IF "SOMEPLACE ELSE": What type of institution?] 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no credit cards: X410=5; no cards of type) (#1) only: X9082 X9151 X9152 X9153 X9202 X9216 X9221 X9222 Recode: type of insitution See MASTER INSTITIUTION LIST for codes (See X308) 0. Inap. (no credit cards: X410=5; no cards of type) X432 Thinking only about Visa, Mastercard, Discover, Optima and store cards, do you almost always, sometimes, or hardly ever pay off the total balance owed on the account each month? 1. Always or almost always 3. Sometimes 5. Hardly ever 0. Inap. (no credit cards: X410=5; no #1 or #2 cards) X7577 (Other than the store accounts where you have credit cards, do you have any charge or revolving charge accounts at stores where you owed money after your last payment?/ Other than the store accounts where you have credit cards, do you or your family living here have any charge or revolving charge accounts at stores where you owed money after your last payment?/ Do 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?) 1. YES 5. NO X7576 (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?) Code number 0. Inap. (no accounts: X7577=5) X7575 (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?) Code number 0. Inap. (no accounts: X7577=5) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X501 INTERVIEWER CHECKPOINT: WHERE DOES R LIVE? 4. R LIVES ON A RANCH 5. R LIVES ON A FARM 2. R LIVES IN A MOBILE HOME/RV 3. ALL OTHER TYPES OF HOUSING X7136 (SHOW CARD 4) We 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? INTERVIEWER: ROUND TO CLOSEST NUMBER DISPLAYED -1. No chance (recoded from zero) 10. 20. 30. 40. 50. 50-50 chance 60. 70. 80. 90. 100. Absolutely certain NOTE: CARD 4 contains the following information: The numbers 0, 10, 20, ..., 100 in a horizonal row bounded by dark lines. Below 0 is printed "Absolutely no chance"; in the space below 20 and 30 is printed "Possible but not likely"; below 50 is printed "50-50 chance"; in the space below 70 and 80 is printed "Likely but not certain"; and below 100 is printed "Absolutely certain." ----------------------------------------------------------------------------- R LIVES ON A FARM ----------------------------------------------------------------------------- X502 Now I have some questions about this property. About how many acres is this (farm/ranch), including any acres that are rented or rented out to others? Code acres 0. Inap. (R does not live on farm/rance: X501^=4 or 5) *********************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 1000 *********************************************** X503 (Do you operate a farming or ranching business on this property?/ Do you or anyone in your family living here operate a farming or ranching business on this property?) (IF R CLAIMS THE FARM ON HIS INCOME TAX, THEN THE FARM IS A BUSINESS FOR OUR PURPOSES.) 1. YES 5. NO 0. Inap. (R does not live on farm/rance: X501^=4 or 5) X504 (Do you rent out any part of this property to others?/ Do you or anyone in your family living here rent out any part of this property to others?) 1. YES 5. NO 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R operates farm/ranch as a business: X503=1)) X505 How much rent do you collect? Code amount -1. None 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R operates farm/ranch as a business: X503=1); R does not rent out part of property: X504=5) X506 And how often is that amount collected? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly -1. No rent collected 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R operates farm/ranch as a business: X503=1; R does not rent out part of property: X504=5) What part of this property is used for (farm/ranch)ing? X507 Code percent * 100 -1. Very little 9995. Almost all 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1) X7574 Code number of acres -1. Very little 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X508 What is the legal ownership status of this (farm/ranch)? [Do you own this (farm/ranch), do you own part of it, do you rent it, is it all owned by a business, or what?/ Do you or your family living here own this (farm/ranch), do you own part of it, do you rent it, is it all owned by a business, or what?] 1. Owns all 2. Owns only part 5. Sharecropper 3. Rents/Leases all 4. Owned by a business 7. Other 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1) R OWNS ALL X509 [Does your (farm/ranch)ing business pay any rent for the use of the property?/ Does your family's (farm/ranch)ing business pay any rent for the use of the property?] 1. YES 5. NO 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own all of farm/ranch: X508^=1) X510 (How much rent do you collect?/ How much rent do you or your family living here collect?) Code amount 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own all of farm/ranch: X508^=1; business does not pay rent: X509^=1)) X511 And how often is that amount collected? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own all of farm/ranch: X508^=1; business does not pay rent: X509^=1)) X513 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. Code amount 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own all of farm/ranch: X508^=1) OWNED BY A BUSINESS X514 (Do you pay the business any rent for this property?/ Do you or your family living here pay the business any rent for this property?) 1. YES 5. NO 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; farm/ranch not owned by a business: X508^=4) X515 In what month and year did you move into this (farm/ranch)? Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; farm/ranch not owned by a business: X508^=4) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X516 Code year (4 digits) 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; farm/ranch not owned by a business: X508^=4) R OWNS PART X517 [Does the (farm/ranch)ing business pay you any rent for the use of the property?/ Does the (farm/ranch)ing business pay you or your family living here any rent for the use of the property?] 1. YES 5. NO 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2) X518 (How much rent do you collect?/ How much rent do you or your family living here collect?) Code amount 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2; business does not pay rent to R: X517^=1) X519 And how often is that amount collected? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2; business does not pay rent to R: X517^=1) X520 (Do you pay any rent for this property?/ Do you or anyone in your family living here pay any rent for this property?) 1. YES 5. NO 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2) X521 (How much rent do you pay?/ How much rent do you or your family living here pay?) Code amount -1. None 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2; R does not pay rent to business: X520^=1) X522 And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly -1. No rent 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2; R does not pay rent to business: X520^=1) (I will ask you more about the business operation later. Now I'd like to ask about the part of the property that you personally own. About what percent of the total property is that?/ I will ask you more about the business operation later. Now I'd like to ask about the part of the property that you and your family living here personally own. About what percent of the total property is that?) X523 Code percent * 100 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2) X7573 Code acres 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2) *********************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 1000 *********************************************** X526 Could you tell me the current value of the entire part of the land and building you own? I mean, what would it bring if it were sold today? Do not include any farm animals, implements or crops. Code amount 0. Inap. (R does not live on farm/rance: X501^=4 or 5; R does not operate farm/ranch as a business: X503^=1; R does not own only part of farm/ranch: X508^=2) ----------------------------------------------------------------------------- R LIVES IN MOBILE HOME ----------------------------------------------------------------------------- X601 (Now I have some questions about your home. Do you own both this mobile home and site or lot, do you own only the mobile home, do you own only the site, do you rent both the home and site, or what?/ Now I have some questions about your home. Do you or your family living here own both this mobile home and site or lot, do you own only the mobile home, do you own only the site, do you rent both the home and site, or what?) 1. Own both home and site 2. Own only site 3. Own only home 4. Rent both -7. Neither own nor rent RENTS HOME, OWNS SITE X602 About how much rent do you pay on this home? Code number -1. None 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) X603 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is it paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly -7. Other 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) X604 Could you tell me the current value of the site? I mean, about what would it bring if it were sold today? Code number 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) In what month and year did you purchase the site? (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) X605 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X606 Code year (4 digits) 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) X608 CODE GIFT/INHERITANCE 1. GIFT/INHERITANCE 5. R PURCHASED 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) X607 How much did this site cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code amount 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=2) NEITHER OWNS NOR RENTS MH X609 How is that? 1. Housing is part of job compensation; live-in servant; housekeeper; gardener; farm laborer 2. Housing is a gift paid for by someone outside HU; owned by relative outside HU; R pays only taxes 3. Sold home, has not moved yet 4. Living in house which will inherit; estate in process 5. Living in temporary quarters (garage, shed) while home is under construction 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=-7) In what month and year did you move into this mobile home? X610 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=-7) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X611 Code year (4 digits) 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=-7) OWNS HOME, RENTS SITE X612 About how much rent do you pay on this site? Code amount -1. None 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) X613 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is it paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly -7. Other 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) X614 Could you tell me the current value of this mobile home? I mean, about what would it bring if it were sold today? Code amount 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) In what month and year did you purchase this mobile home? X615 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X616 Code year (4 digits) 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) X618 CODE GIFT/INHERITANCE 1. GIFT/INHERITANCE 5. R PURCHASED 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) X617 How much did this mobile home cost when you originally acquired it? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. Code amount 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=3) RENTS HOME AND SITE X619 About how much rent do you pay on this home and site? Code amount -1. None 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=4) X620 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is it paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly -7. Other 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=4) In what month and year did you move into this mobile home? X621 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=4) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X622 Code year (4 digits) 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=4) OWNS HOME AND SITE X623 Could you tell me the current value of this home and site? I mean, about what would they bring if they were sold today? Code amount 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1) X624 Were the site and mobile home purchased separately? 1. YES 5. NO 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1) In what month and year did you purchase this mobile home? X625 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchased separately: X624^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X626 Code year (4 digits) 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchased separately: X624^=1) X628 CODE GIFT/INHERITANCE 1. GIFT/INHERITANCE 5. R PURCHASED 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchased separately: X624^=1) X627 How much did the mobile home cost when you originally acquired it? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. Code amount 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchased separately: X624^=1) In what month and year did you purchase this site? X629 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchased separately: X624^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X630 Code year (4 digits) 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchased separately: X624^=1) X632 CODE GIFT/INHERITANCE 1. GIFT/INHERITANCE 5. R PURCHASED 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchased separately: X624^=1) X631 How much did this site cost when you originally acquired it? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. Code amount 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site not purchases separately: X624^=1) In what month and year did you purchase this mobile home and site? X633 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site purchased separately: X624=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X634 Code year (4 digits) 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site purchased separately: X624=1) X636 CODE GIFT/INHERITANCE 1. GIFT/INHERITANCE 5. R PURCHASED 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site purchased separately: X624=1) X635 How much did the mobile home and site cost when you originally acquired it? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. Code amount 0. Inap. (R does not live in MH: X501^=2; other MH ownership: X601^=1; home and site purchased separately: X624=1) ----------------------------------------------------------------------------- R LIVES IN HU OTHER THAN FARM/RANCH OR MOBILE HOME ----------------------------------------------------------------------------- X701 Now I have some questions about your home. Do you own this ranch, do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or what? Do you own this farm, do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or what? Do you own this (house and lot/apartment), do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or what? Do you and your family living here own this ranch, do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or what? Do you and your family living here own this farm, do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or what? Do you and your family living here own this (house and lot/apartment), do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or what? 1. Owns or is buying/land contract 2. Pays rent 3. Condo 4. Co-op 5. Townhouse Association 6. Retirement Lifetime Tenancy -7. Neither owns nor rents --> -7 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1) NEITHER OWNS NOR RENTS X705 How is your housing provided? 1. Housing is part of job compensation; live-in servant; house-keeper; gardener; farm laborer 2. Housing is a gift paid for by someone outside HU; owned by relative outside HU; R pays only taxes 3. Sold home, has not moved yet 4. Living in house which will inherit; estate in process 5. Living in temporaty quarters (garage, shed, etc.) while home is under construction 6. Public Housing 8. Living in home of relatives/friends without paying rent 9. House owned by trust created by R -7. Other 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than neither owns nor rents: X701^=-7) ********************************************************* FOR THE PUBLIC DATASET, CODE 9 IS COMBINED WITH -7; CODE 8 IS COMBINED WITH 2 ********************************************************* X7133 Do you own any part of this ranch? Do you own any part of this farm? Do you own any part of this (house and lot/apartment)? Does anyone in your family living here own any part of this (farm/ranch)? Does anyone in your family living here own any part of this (house and lot/apartment)? 1. YES 5. NO 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than neither owns nor rents: X701^=-7) X7134 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 What percent of the property do you own? What percent of the property do you and your family living here own? Code percent * 100 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than neither owns nor rents: X701^=-7; R does not own any part: X7133=5) In what month and year did you move into this home? X706 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than neither owns nor rents: X701^=-7; R owns any part: X7133^=5) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X707 Code year (4 digits) 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than neither owns nor rents: X701^=-7; R owns any part: X7133^=5) ************************************************** FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1920 ************************************************** RENTS HOME (INCLUDES FARM WITH NO FARM BUSINESS/RENTED FARM) X708 How much rent do you pay for this (farm/ranch)? How much rent do you or your family living here pay for this (farm/ranch)? How much rent do you pay for this (house/apartment)? How much rent do you or your family living here pay for this (house/apartment)? Code amount -1. None 0. Inap. (R lives in MH: X501=2; R lives on farm operated as a business, but does not rent: X501=4 or 5 and X503=1 and X508^=3; some living arrangement other than rents rents: X701^=2) X709 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly -7. Other 0. Inap. (R lives in MH: X501=2; R lives on farm operated as a business, but does not rent: X501=4 or 5 and X503=1 and X508^=3; some living arrangement other than rents rents: X701^=2) X710 Does that include some or all utilities? 1. Yes, all 3. Yes, some 5. No 0. Inap. (R lives in MH: X501=2; R lives on farm operated as a business, but does not rent: X501=4 or 5 and X503=1 and X508^=3; some living arrangement other than rents rents: X701^=2) X711 Do you rent it furnished or unfurnished? 1. Furnished 3. Partially furnished 5. Unfurnished 0. Inap. (R lives in MH: X501=2; R lives on farm operated as a business, but does not rent: X501=4 or 5 and X503=1 and X508^=3; some living arrangement other than rents rents: X701^=2) In what month and year did you move into this ranch? In what month and year did you move into this farm? In what month and year did you move into this (house/apartment)? X712 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R lives in MH: X501=2; R lives on farm operated as a business, but does not rent: X501=4 or 5 and X503=1 and X508^=3; some living arrangement other than rents rents: X701^=2) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X713 Code year (4 digits) 0. Inap. (R lives in MH: X501=2; R lives on farm operated as a business, but does not rent: X501=4 or 5 and X503=1 and X508^=3; some living arrangement other than rents rents: X701^=2) R OWNS SOME PART (INCLUDES FARM WITH NO FARM BUSINESS) X7572 Are you required to pay regular fees to an association or property management group in order to live here? 1. YES 5. NO 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than owns: X701^=1 and X7133^=1) X703 How much are your fees? Code amount -1. None 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than owns: X701^=1 and X7133^=1; no fees: X7572^=1) X704 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often do you pay this amount? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly -7. Other 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than owns: X701^=1 and X7133^=1; no fees: X7572^=1) X702 INTERVIEWER OBSERVATION: DOES R LIVE IN MULTIPLE HU STRUCTURE? (CONFIRM WITH R IF NECESSARY) 1. YES 5. NO 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than owns: X701^=1 and X7133^=1 X714 Do you own the entire building or just your unit? Do you and your family living here own the entire building or just your unit? 1. Entire building 2. Just R's unit 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than owns: X701^=1 and X7133^=1 X715 How many housing units are in this building? Code number of units 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than owns: X701^=1 and X7133^=1; does not own entire building: X714^=1) X7135 Do you own your unit separately from the rest of the building? 1. YES 5. NO 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than owns: X701^=1 and X7133^=1; does not own entire building: X714^=1) X716 The following questions about your home refer to your unit only. The following questions refer to the entire building. What is the current value of this (home and land/apartment/property)? I mean, about what would it bring if it were sold today? INTERVIEWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR HOUSE AND LOT, APARTMENT, BUILDING, FARM OR RANCH. INCLUDE THE PART OF THE PROPERTY THAT R OWNS; FOR FARMS/RANCHES, INCLUDE ALL OWNED LAND AND STRUCTURES. Code value 0. Inap. (R lives in MH: X501=2; R lives on farm and farm is operated as a business: X501=4 or 5 and X503=1; some living arrangement other than owns: X701^=1 and X7133^=1) In what month and year did you first purchase any part of this property? (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) X719 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (R lives in MH: X501=2; R lives on farm and farm not owned at least in part: X501=4 or 5 and X508^=1 or 2; some living arrangement other than owns: X701^=1 and X7133^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X720 Code year (4 digits) 0. Inap. (R lives in MH: X501=2; R lives on farm and farm not owned at least in part: X501=4 or 5 and X508^=1 or 2; some living arrangement other than owns: X701^=1 and X7133^=1) ************************************************** FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1920 ************************************************** X718 CODE GIFT/INHERITANCE 1. GIFT/INHERITANCE 5. R PURCHASED 0. Inap. (R lives in MH: X501=2; R lives on farm and farm not owned at least in part: X501=4 or 5 and X508^=1 or 2; some living arrangement other than owns: X701^=1 and X7133^=1) (ALL OWNERS EXCEPT MH) X717 How much did it cost when you originally acquired it? INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED. Code value 0. Inap. (R lives in MH: X501=2; R owns neither farm nor other type of dwelling: X508^=1 or 2 and X701^=1, 3, 4, 5, or 6 and X7133^=1) (ALL TYPES OF OWNERS) X721 What are the real estate taxes on this home and land? What are the real estate taxes on this land? What are the real estate taxes on this home? What are the real estate taxes on this farm? What are the real estate taxes on this ranch? What are the real estate taxes on the part of the ranch you own? What are the real estate taxes on the part of the farm you own? What are the real estate taxes on this unit? What are the real estate taxes on this property? Code amount -1. None 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1) X722 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often do you pay this amount? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly 22. Varies -7. Other -1. None 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1) X723 Is there a mortgage or land contract on this (home/home and land/apartment/property)? (Do not include home equity loans or lines of credit.) (IF R SAYS BOTH MORTGAGE AND LAND CONTRACT, CHOOSE MORTGAGE) 1. Yes, mortgage 2. Yes, land contract 5. No 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1) X830 Do you have a second mortgage or a land contract on this property? (Please do not include any home equity lines of credit.) INTERVIEWER: A HOME EQUITY LINE OF CREDIT IS AN AGREEMENT WHERE THE R CAN BORROW AT ANY TIME USING THE HOUSE AS COLLATERAL, UP TO SOME LIMIT. A HOME EQUITY LOAN IS A FIXED LENGTH, FIXED MONTHLY PAYMENT LOAN. 1. Yes, second mortgage 2. Yes, land contract 5. No 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723=5) X931 Do you have any other loans that use this property as collateral? Do you have any loans that use this property as collateral? (Please do not include any home equity lines of credit.) 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; first mortgage but no second mortgage: X723=1 and X830^=1) ----------------------------------------------------------------------------- MORTGAGES/LAND CONTRACTS/EQUITY LOANS ON PRINCIPAL RESIDENCE #1 refers to first mortgage #2 refers to second mortgage #3 refers to other home equity loan other than a home equity line of credit ----------------------------------------------------------------------------- X724(#1) Is the first or main mortgage a federally guaranteed mortgage, such as FHA or VA? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no mortgage: X723=5) X726(#1) Is it an FHA mortgage, a VA mortgage, or is it from some other program? 1. Federal Housing Administration (FHA) 2. Veteran's Administration (VA) 3. Federal land bank 4. Federal National Mortgage Association ("Fannie Mae") 5. Federal Home Loan Mortgage Corp. ("Freddie Mac") 10. State housing programs 11. First-time buyer program, n.e.c. 12. Other Federal loan program -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no mortgage: X723=5; not federally guaranteed: X724^=1) X727(#1) Why did you choose this type of loan? Credit Terms/Cost Of Loan 1. Interest rate -- low (er) / reasonable/best available rates 4. Finance charges low (er) or none (other than interest or NA if includes interest.) 5. Amount of the down payment 6. Size of (monthly) payments; payment amount; longer contracts -- more time to pay off loan 9. Easier to get credit -- require less information/collateral; less stringent rules for giving credit; get credit approval faster; no red tape 25. Credit terms/arrangements -- NA what: "affordable terms" 26. Give the best (a better) deal -- NA how 29. Other credit terms or cost of loan 83. Recommended 90. Assumed or assumable; seller-financed 80. No Choice, NEC 81. Used before, always use -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no mortgage: X723=5; not federally guaranteed: X724^=1) X725(#1) Does this mortgage carry any type of private mortgage insurance or PMI against default? (IF R ASKS: DO NOT INCLUDE MORTGAGE LIFE INSURANCE.) 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no mortgage: X723=5; has VA/FHA: X724=1) About this mortgage, in what month and year did you obtain or last refinance it? About this land contract, in what month and year did you obtain or last refinance it? About this loan, in what month and year did you obtain or last refinance it? X801(#1) Code month X901(#2) 1. January X1001(#3) 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no mortgage: X723=5) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X802(#1) Code year (4 digits) X902(#2) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X1002(#3) X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no mortgage: X723=5) X803(#1) Was this mortgage assumed from the previous owner? X903(#2) Was this land contract assumed from the previous owner? Was this second mortgage assumed from the previous owner? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no mortgage: X723=5; year of mortgage not same as year of purchase: X802^=X611, X616, X626, X630, X634, and X720) X7137(#1) Did you take out this mortgage to: refinance or rollover an earlier loan, borrow additional money on your home equity, or to do both? 1. Refinance or rollover an earlier loan, 2. Borrow additional money on your home equity, 3. Do both? 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; land contract: X723=2; no mortgage: X723=5; year of mortgage same as year of purchase: X802=one of X606, X611, X616, X626, X630, X634, or X720) X6723(#1) For what purpose was the money used? LOAN PURPOSE MASTER CODE LIST 1. Own home purchase 3. Home improvements or additions (incl. assessments for sewer/sidewalk, etc.) 4. Home repairs/maintenance/upkeep 10. Car 11. Refrigerator 12. Stove/range; microwave oven 13. Dishwasher 14. Freezer 15. Air conditioner 16. Washing machine (incl. washer/dryer combination) 17. Dryer 18. Furniture (excluding pianos and organs -- see code 34); lamps; mattress and spring combinations; rug and/or carpet; other household furnishings 20. Vaccum cleaners 23. Home computer; calculator; computer terminal 24. Truck/jeep/utility vehicle 25. Combination of appliances (incl. TV); "appliances" -- NA type 26. Combination of furniture and appliances 29. Other appliances or durable goods; sewing machine; typewriter 31. Stereo; phonograph (may include radio); include sound equipment; amplifiers here; radio (AM or FM); tuner; CB equipment; tape recorder, tape player (cassette or reel-to-reel); CD player 34. Piano; Organ 35. Musical instruments (excl. piano and organ) 36. TV -- color or black and white; "home entertainment center" (including combination TV, radio, phonograph); video cassette recorder/player (VCR); video camera (Cam-corder) 49. Other small/indoor hobby and entertainment items (incl. pool tables and regular cameras) 50. Power tools and yard equipment 61. Boat; boating equipment (incl. trailer), airplane, airplane equipment 63. Montorcycles; bicycle; moped; snowmobiles; off-road vehicles 65. Camper-trailers; RV -- NFS 67. Cottage; vacation property; mobile homes -- seasonal residence (if current residence, code 01); "motorhome" 69. Other outdoor recreation items; horse 71. Invest in Bus #1 72. Invest in Bus #2 73. Invest in Bus #3 74. Invest in own business, other than 71-73 or NA which or all 75. Business investment (own) (exc. 71-74), incl. businesses now defunct 76. Other asset investment; bought stocks/bonds; IRA deposit; gold; "investment" -- NFS 78. Investment real estate (incl. cemetery plots and additions and repairs to investment property); farmland (exc. 71-74); include businesses of self-employed R's who don't report a business in the F section 79. Other investments 80. Divorce/separation expenses 81. Travel/vacation expenses 82. Medical/dental expenses; attorney's fees 83. Education/school expenses 84. Tax and insurance expenses (exc. vehicle, code 93) 85. Weddings/funerals/other "occasions" 88. Moving expenses 89. Other special expenses; encyclopedia; health membership 90. "Personal loan"--NA what for 91. Bill consolidation; "bills" 92. Personal items, incl. clothing, jewelry 93. Vehicle repair/upkeep (incl. insurance) 94. Gifts; goods or gifts of money; "Christmas" 95. Living/general expenses 96. Loans made to others; "loaned friend/son money for a house" -7. Other (including combinations) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no mortgage: X723=5; year of mortgage same as year of purchase: X802=one of X611, X616, X626, X630, X634, or X720; additional money not taken out on loan: X7137^=2 or 3) X804(#1) How much did you borrow or refinance? X904(#2) X1004(#3) Code amount 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) X805(#1) How much is still owed on this loan? X905(#2) X1005(#3) Code amount 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) How many years or payments did you agree upon when the loan was taken out or refinanced? X806(#1) NUMBER OF YEARS X906(#2) X1006(#3) Code number of years -1. NO SET NUMBER OF YEARS -7. Unable to calculate from number of payments 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) X807(#1) NUMBER OF PAYMENTS X907(#2) X1007(#3) Code number of payments -1. NO SET NUMBER OF PAYMENTS -7. Unable to calculate from number of years 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) X9154(#1) Recode: Term of loan in months X9155(#2) X9156(#3) Code number of months -1. NO SET NUMBER OF YEARS/PAYMENTS -7. Unable to calculate from number of payments/years 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1)) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X808(#1) How much are the payments? X908(#2) X1008(#3) Code amount -1. None -2. NO REGULAR PAYMENTS 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1); no set number of payments: X806/X906/X1006=-1 or X807/X907/X1007=-1) X809(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X909(#2) And how often are they due? X1009(#3) Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO REGULAR PAYMENTS -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1); no set number of payments: X806/X906/X1006=-1 or X807/X907/X1007=-1) X813(#1) What is the typical payment? X913(#2) X1013(#3) Code amount -1. None -2. NO TYPICAL PAYMENTS 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1); set number of payments and positive payment: X806/X906/X1006^=-1 and X807/X907/X1007^=-1 and X808/X908/X1008>0) X814(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X914(#2) And how often is it made? X1014(#3) Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO TYPICAL PAYMENTS -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1); set number of payments and positive payment: X806/X906/X1006^=-1 and X807/X907/X1007^=-1 and X808/X908/X1008>0) X810(#1) Does the amount include property taxes or home owners insurance? (Which?) 1. Taxes only 2. Insurance only 3. Both 4. Neither 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2; no typical payment: X813=-1 or -2/X913=-1 or -2/X1013=-1 or -2) X811(#1) Will the (regular) payments repay the loan completely, or X911(#2) will there be a balance payable, or "balloon" payment, when X1011(#3) the loan is due? 1. Repay completely 2. Balloon 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/ no third mortgage: X931^=1 or (X723=5 and X830^=1; no typical payment: X813=-1 or -2/X913=-1 or -2/X1013=-1 or -2) X812(#1) What will the balance due or balloon payment be? X912(#2) X1012(#3) Code amount 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/ no third mortgage: X931^=1 or (X723=5 and X830^=1; no typical payment: X813=-1 or -2/X913=-1 or -2/ X1013=-1 or -2; no balloon payment: X811^=2/X911^=2/X1011^=2) X7571(#1) Are you paying off this loan ahead of schedule, behind X7570(#2) schedule, or are the payments about on schedule? X7569(#3) 1. On schedule 2. Ahead of schedule 3. Behind schedule 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/ no third mortgage: X931^=1 or (X723=5 and X830^=1; no set number of payments: X811=-1/X911=-1/X1011=-1; no typical payment: X813=-1 or -2/X913=-1 or -2/ X1013=-1 or -2) X815(#1) When do you expect this loan to be repaid? X915(#2) X1015(#3) Code year (4 digits) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/ no third mortgage: X931^=1 or (X723=5 and X830^=1; no set number of payments: X811=-1/X911=-1/X1011=-1; loan on schedule: X7571=1/X7570=1/X7569=1) X816(#1) What is the current annual rate of interest being charged X916(#2) on the loan? X1016(#3) Code percent * 100 -1. No interest 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/ no third mortgage: X931^=1 or (X723=5 and X830^=1) X817(#1) Please look at the Institutions Card. Is the loan with any X917(#2) of the institutions on the Institutions Card, or from X1017(#3) someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/ no third mortgage: X931^=1 or (X723=5 and X830^=1) X9083(#1) Recode: type of institution X9084(#2) X9085(#3) See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/ no third mortgage: X931^=1 or (X723=5 and X830^=1) X7568(#1) Is this the same institution as the one from which you originally took out this loan? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2) X819(#1) (SHOW CARD 4) What was the most important reason you chose the original lender? What is the most important reason you chose this lender? (Was it because they were recommended to you, because they had low interest rates, because of the location of their offices, because you had done other business with them, because it was easier to qualify for the loan, or for some other reason?) 1. Recommended 2. Low interest 3. Location of offices 4. Other business 5. Easy to qualify (for credit); only place that would give us a loan 6. Many services in one place 10. Low fees/service charges 11. Personal relationship; they know me; know/like them; R/Spouse works there 21. No choice -- assumed existing debt and lender from previous owner 22. No choice--financed through contractor/developer/prev. owner/builder and this was their financial institution/ land contract 23. No choice (n.e.c.) 24. Flexible loan terms; choice of loan terms 25. Handled VA loans 26. Participated in first time buyer program 27. Government-sponsored program n.e.c. -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2) NOTE; SHOW CARD 5 contained a vertical column of the following items: "Recommended," "Low interest rates," "Location of offices," "Other business with them," "Easier to quality," " Other reason." X918(#2) Was the money from this loan used for the purchase of this X1018(#3) home or for some other purpose? 1. Home purchase 3. Home improvements See LOAN PURPOSE MASTER CODE LIST at X6723 for other codes 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no second mortgage: X830^=1/no third mortgage: X931^=1 or (X723=5 and X830^=1) X820(#1) Is this an adjustable rate loan; that is, does it have X920(#2) an interest rate that can rise or fall from time to time? X1020(#3) Is this an adjustable rate mortgage; that is, does it have an interest rate that can rise or fall from time to time? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2/no second mortgage: X830^=1/ no third mortgage: X931^=1 or (X723=5 and X830^=1) X821(#1) Does the change in your interest rate depend on some other interest rate? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1) X822(#1) On what other rate does it depend? 1. Consumer Price Index (CPI); "cost of living 2. GNP (Gross National Product) Deflater 3. Prime (interest) Rate 4. Treasury Bill Rate (T-Bill rate) 5. "Current rate" or "going rate" -- NFS 6. District/regional rate 7. Other index; index NEC 8. CD rate 9. Other rate 11. FHLBB (Federal Home Loan Bank Board) 12. FSLIC (Federal Savings and Loan Ins. Corp) 13. Ginny Mae rate -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1) How often can your interest rate change? X823(#1) Code number of times 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1) X824(#1) Code frequency 1. Day 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only/in total 11. Twice per year; every six months 12. Bimonthly; every two months 13. Every three years 15. Continuously floating rate/whenever rate changes 16. Per 7 years 18. Hour 22. Varies 25. Every two years 26. Every four years 27. Every five years 28. Every ten years 30. At seven years -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1) X825(#1) When the interest rate on your mortgage changes, does the size of your monthly payments also change? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1) X826(#1) What is the most the rate can rise at any one time? (POINTS = PERCENTAGE POINTS) Code percent * 100 -2. No limit 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1) X828(#1) What was the interest rate on this mortgage when you first got it? Code percent * 100 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1) X827(#1) What is the highest the rate can go up to over the life of the loan? INTERVIEWER: WE WANT THE HIGHEST RATE ALLOWED, NOT THE MAXIMUM AMOUNT BY WHICH THE RATE COULD RISE. Code percent * 100 -2. No limit 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1) X829(#1) Is this a convertible mortgage; that is do you have an option to convert it to a mortgage with a fixed interest rate? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no first mortgage: X723^=1 or 2; not adjustable rate: X820^=1) ----------------------------------------------------------------------------- OTHER LOAN USED TO PURCHASE PROPERTY ----------------------------------------------------------------------------- X1032 Do you owe money on any other loans used for the purchase of this property, such as loans from relatives or the seller? Do you owe money on any loans used for the purchase of this property, such as loans from relatives or the seller? Do you and your family living here owe money on any other loans used for the purchase of this property, such as loans from relatives or the seller? Do you and your family living here owe money on any loans used for the purchase of this property, such as loans from relatives or the seller? (Please do not include any home equity lines of credit.) 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1) In what month and year was this loan taken out? X1033 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1034 Code year (4 digits) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1) X1035 How much was borrowed, not including finance charges? Code amount 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1) X1036 Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? 1. Regular installment 2. Other kind 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1) How many monthly payments or years were agreed upon when the loan was received? X1038 Code number of years -1. No set number of years -7. Unable to calculate from number of payments 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1; not a regular loan: X1036^=1) X1037 Code number of payments -1. No set number of payments -7. Unable to calculate from number of years 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1; not a regular loan: X1036^=1) X9160 Recode: term of loan in months -1. No set number of years/payments -7. Unable to calculate from number of years/payments 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1; not a regular loan: X1036^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1039 How much are the payments? Code amount -1. Nothing -2. No regular payment 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1; not a regular loan: X1036^=1; no set number of payments: X1038=-1) X7567 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often are they made? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1; not a regular loan: X1036^=1; no set number of payments: X1038=-1) X1040 What is the typical payment? Code amount -1. Nothing -2. No typical payment 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1; regular loan and regular payments: X1036=1 and X1039>0) X1041 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is it made? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 22. Varies -1. Nothing -2. No regular payment -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1; regular loan and regular payments: X1036=1 and X1039>0) X7566 Are you paying off this loan ahead of schedule, behind schedule, or are the payments about on schedule? 1. On schedule 2. Ahead of schedule 3. Behind schedule 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1; not regular loan: X1036^=1; no regular payment: X1039<=0) In what month and year do you expect this loan to be repaid? X1042 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1; payments on schedule: X7566=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1043 Code year (4 digits) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1; payments on schedule: X7566=1) X1044 How much is still owed on this loan? Code amount 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1) X1045 What is the current annual rate of interest being charged on this loan? Code percent * 100 -1. Nothing 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1) X1046 Please look at the Institutions Card. Is the loan with any of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1) X9086 Recode: type of institution See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no other loan for home purchase: X1032^=1) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- LINES OF CREDIT ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X1101 Do you have any lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. Do you have a home equity line of credit or any other lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. Do you or anyone in your family living here have any lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. Do you or anyone in your family living here have a home equity line of credit or any other lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. (IF R ASKS: A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A LENDER THAT ALLOWS R TO BORROW UP TO AN AGREED UPON LIMIT AND PAY IT OFF AS R DESIRES. A HOME EQUITY LINE OF CREDIT IS A LINE OF CREDIT SECURED BY THE EQUITY IN R'S HOME.) 1. YES 5. NO X1102 How many lines of credit do you have? How many lines of credit do you and your family living here have? Code number 0. Inap. (no lines of credit: X1101=5) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 5 ******************************************** X6686 Originally reported value of X1102 (see introduction) Code number 0. Inap. (no lines of credit: X1101=5) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 5 ******************************************** ----------------------------------------------------------------------------- #1 refers to first line of credit #2 refers to second line of credit #3 refers to third line of credit #4 refers to all remaining lines of credit ----------------------------------------------------------------------------- X1103(#1) Is this line of credit secured by the equity in your home? X1114(#2) X1125(#3) Is the largest line of credit secured by the equity in your home? Is the next line of credit secured by the equity in your home? 1. YES 5. NO 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3; does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1) X1105(#1) Are you currently borrowing any money against this line of X1116(#2) credit? X1127(#3) 1. YES 5. NO 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3) X7141(#1) How much did you borrow the most recent time you used this X7142(#2) line? X7143(#3) Code amount 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3; not currently borrowing: X1105^=1/X1116^=1/X1127^=1) X1106(#1) What was the money used for? (What was its major use?) X1117(#2) X1128(#3) See LOAN PURPOSE MASTER CODE LIST at X6723 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3; not currently borrowing: X1105^=1/X1116^=1/X1127^=1) X1108(#1) How much is currently owed? X1119(#2) X1130(#3) Code amount 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3; not currently borrowing: X1105^=1/X1116^=1/X1127^=1) X1109(#1) What is the typical payment? X1120(#2) X1131(#3) Code amount -1. Nothing -2. No typical payment 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3; not currently borrowing: X1105^=1/X1116^=1/X1127^=1) X1110(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X1121(#2) And how often is it made? X1132(#3) Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. In total 11. Twice per year 12. Bimonthly 22. Varies 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3; not currently borrowing: X1105^=1/X1116^=1/X1127^=1) X1111(#1) What is the current annual rate of interest being charged X1122(#2) on this loan? X1133(#3) Code percent * 100 -1. Nothing 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3; not currently borrowing: X1105^=1/X1116^=1/X1127^=1) X1112(#1) (Please look at the Institutions Card.) Is this line of X1123(#2) credit with any of the institutions on the Institutions X1134(#3) Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3) X9087(#1) Recode: type of institution X9088(#2) X9089(#3) See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3) X1104(#1) What is the maximum amount you could borrow on this X1115(#2) line of credit (including what you owe now)? X1126(#3) What is the maximum amount you could borrow on this line of credit? Code amount 0. Inap. (no lines of credit: X1101=5/no second line of credit: X1102<2/no third line of credit: X1102<3) X1136(#4) What is the total amount that you currently owe on all other remaining lines of credit? What is the total amount that you and your family living here currently owe on all other remaining lines of credit? Code amount -1. Nothing 0. Inap. (no lines of credit: fewer than four lines credit: X1102<4) X8401(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (Does not have any lines of credit: X1101=5; fewer than four lines of credit: X1102<4; did not break off early in grid) ----------------------------------------------------------------------------- HOME IMPROVEMENTS ----------------------------------------------------------------------------- X1201 Have you ever made any major additions or done extensive remodeling to this property? Have you and your family living here ever made any major additions or done extensive remodeling to this property? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1) X1202 Roughly what was the total cost of all remodeling or additions to this property? Code amount 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1) X1203 Other than what I have already recorded, do you owe any money on loans taken out for these projects? Other than what I have already recorded, do you or your family living here owe any money on loans taken out for these projects? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1) In what month and year was the most recent loan taken out? X1204 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1205 Code year (4 digits) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1) X1206 How much was borrowed, not including finance charges? Code amount 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1) X1207 Is this a regular installment loan where you pay a fixed dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? 1. Regular installment 2. Other kind 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1) How many monthly payments or years were agreed upon when the loan was received? X1209 Code number of years -1. No set number of years -7. Unable to calculate from number of payments 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; not a regular loan: X1207^=1) X1208 Code number of payments -1. No set number of payments -7. Unable to calculate from number of years 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; not a regular loan: X1207^=1) X9161 Recode: term of loan in months -1. No set number of years/payments -7. Unable to calculate from number of years/payments 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; not a regular loan: X1207^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1210 How much are the payments? Code amount -1. Nothing -2. No regular payment 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; not a regular loan: X1207^=1; no set number of payments: X1209=-1) X7565 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often are they made? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1; not a regular loan: X1207^=1; no set number of payments: X1209=-1) X1211 What is the typical payment? Code amount -1. Nothing -2. No typical payment 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1; not a regular loan and regular payments: X1210>0) X1212 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is it made? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 22. Varies -1. Nothing -2. No regular payment -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1; not a regular loan and regular payments: X1210>0) X7564 Are you paying off this loan ahead of schedule, behind schedule, or are the payments about on schedule? 1. On schedule 2. Ahead of schedule 3. Behind schedule 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1; not a regular loan: X1207^=1; no regular payment: X1210<=0) In what month and year do you expect this loan to be repaid? X1213 Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1; payments on schedule: X7564=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1214 Code year (4 digits) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1; payments on schedule: X7564=1) X1215 How much is still owed on this loan? Code amount 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1) X1216 What is the current annual rate of interest being charged on this loan? Code percent * 100 -1. Nothing 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1) X1217 Please look at the Institutions Card. Is the loan with any of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1) X9090(#1) Recode: type of institution See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no loan for home improvements: X1203^=1) X1218 Do you owe money on more than one loan for home additions or improvements to this property? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1) X1219 Altogether, how much is still owed on all other loans for additions or improvements to this property? Code amount 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; no additional home improvement loans: X1218^=1) X1220 Altogether, how much are the payments? Code amount -1. None 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; no additional home improvement loans: X1218^=1) X1221 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often are they made? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; no improvements: X1201^=1; no home improvement loan: X1203^=1; no additional home improvement loans: X1218^=1) ----------------------------------------------------------------------------- RENT OUT ANY PORTION OF PROPERTY ----------------------------------------------------------------------------- X1223 Do you rent out any portion of this (house or lot/apartment/mobile/home/building) to others? Do you or anyone in your family here rent out any portion of this (house or lot/apartment/mobile home/building) to others? 1. YES 5. NO 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; R lives on farm: X501=4 or 5) X1224 How much rent do you collect? Code amount -1. Nothing 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; R lives on farm: X501=4 or 5; does not rent part of home: X1223^=1) X1225 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount collected? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly -1. No rent collected 0. Inap. (Does not own any part of HU: X508^=1 or 2 and X601^=1, 2, or 3 and X701^=1, 3, 4, 5, or 6 and X7133^=1; R lives on farm: X501=4 or 5; does not rent part of home: X1223^=1) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- LAND CONTRACTS AND NOTES GIVEN BY R ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X1401 Have you 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. Have you or anyone in your family living here 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. 1. YES 5. NO X1402 Does the buyer still owe you money on any of these notes, land contracts, or mortgages? Does the buyer still owe your family money on any of these notes, land contracts, or mortgages? 1. YES 5. NO 0. Inap. (Never made any such loans: X1401=5) X1403 Altogether, on how many such loans are you owed money? Altogether, on how many such loans is your family owed money? Code number 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 15 ********************************************* X6687 Originally reported value of X1403 (see introduction) Code number 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 15 ********************************************* ----------------------------------------------------------------------------- #1 refers to first loan #2 refers to second loan #3 refers to third loan #4 refers to all remaining loans ----------------------------------------------------------------------------- X1404(#1) About this loan, is it a land contract, a mortgage, or X1504(#2) something else? X1604(#3) About the largest loan, is it a land contract, a mortgage, About the next largest loan, is it a land contract, a mortgage, or something else? 1. land contract/lease purchase 2. mortgage 3. something else 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3) X1405(#1) How much are you owed on this note? X1505(#2) X1605(#3) How much are you and your family owed on this note? Code amount 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is land contract or mortgage: X1401=1 or 2/X1504=1 or 2/X1604=1 or 2) In what month and year was this loan taken out? X1406(#1) Code month X1506(#2) 1. January X1606(#3) 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is not land contract or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1407(#1) Code year (4 digits) X1507(#2) 0. Inap. (Never made any such loans: X1401=5; no such X1607(#3) loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is not land contract or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2) X1408(#1) How much money did you lend the borrower? X1508(#2) X1608(#3) How much money did your family lend the borrower? Code amount 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is not land contract or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2) X1409(#1) How much is still owed on this loan? X1509(#2) X1609(#3) Code amount 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is not land contract or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2) X1410(#1) How much are the loan payments? X1510(#2) X1610(#3) Code amount -1. Nothing -2. No regular payments 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is not land contract or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2) X1411(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X1511(#2) And how often are they due? X1611(#3) Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. In total 11. Twice per year 12. Bimonthly 22. Varies -1. Nothing -2. No regular payments 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is not land contract or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2) When the loan was taken out, was it agreed upon that there were going to be a number of years , a number of payments, or was there no set number of years or payments? X1412(#1) Code number of years X1512(#2) -1. No set number of years X1612(#3) 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is not land contract or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2; number of payments given: X1413>0/X1513>0/X1613>0) X1413(#1) Code number of payments X1513(#2) -1. No set number of payments X1613(#3) 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is not land contract or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2; number of years given: X1412>0/X1512>0/X1612>0) X1414(#1) Will the regular payments pay off the loan completely or X1514(#2) will there be a balance payable or "balloon" when the loan X1614(#3) is due? 1. REPAID COMPLETELY 5. BALANCE PAYABLE OR BALLOON 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is not land contract or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2; no set number of payments: X1413=-1/X1513=-1/X1613=-1) X1415(#1) What will the balance payable or balloon payment be? X1515(#2) X1615(#3) Code amount 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; loan is not land contract or mortgage: X1401^=1 or 2/X1504^=1 or 2/X1604^=1 or 2; no set number of payments: X1413=-1/X1513=-1/X1613=-1; no balloon payment: X1414^=5/X1514^=5/X1614^=5) X1416(#1) Do you still owe any money on loans for this property? X1516(#2) X1616(#3) Do you or your family living here still owe any money on loans for this property? 1. YES 5. NO 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3) X1417(#1) How much do you still owe? X1517(#2) X1617(#3) Code amount 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1/fewer than 2 loans: X1403<2/ fewer than 3 loans: X1403<3; R owes no money on property X1416^=1/X1516^=1/X1616^=1) X1619(#4) About how much in total is owed to you on the remaining notes, land contracts, or mortgages? About how much in total is owed to your family on the remaining notes, land contracts, or mortgages? Code amount 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1; fewer than 4 loans: X1403<4) X8402(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1; did not break off early in grid) X1620(#4) Do you still owe any money on loans for these other properties? Do you or your family here still owe any money on loans for these other properties? 1. YES 5. NO 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1; fewer than 4 loans: X1403<4) X8403(#4) Original value for Rs who did not provide complete information within the grid structure (see introduction) 1. YES 5. NO 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1; did not break off early in grid) X1621(#4) Altogether how much do you still owe? Altogether how much does your family still owe? Code amount 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1; fewer than 4 loans: X1403<4; R owes no money on properties: X1620^=1) X8404(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (Never made any such loans: X1401=5; no such loans currently: X1402^=1; did not break off early in grid; no money owed on properties underlying loans: X8403^=1) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- INVESTMENT REAL ESTATE AND VACATION PROPERTIES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X1700 Do you own any (other) real estate such as a lot, vacation home, timeshare, apartment building, commercial property, or other investment property, including properties owned in partnership with other people? Do you or anyone in your family living here own any (other) real estate such as a lot, vacation home, timeshare, apartment building, commercial property, or other investment property, including properties owned in partnership with other people? 1. YES 5. NO X7555 Are any of these properties owned by a business? 1. YES 5. NO 0. Inap. (No properties: X1700=5) X1701 How many properties that are not owned by a business do you own or have an interest in? How many properties that are not owned by a business do you and your family living here own or have an interest in? 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. Code number -1. None 0. Inap. (No properties: X1700=5) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 20 ********************************************* X6688 Originally reported value of X1701 (see introduction) Code number -1. None 0. Inap. (No properties: X1700=5) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 20 ********************************************* ----------------------------------------------------------------------------- #1 refers to first property #2 refers to second property #3 refers to third property #4 refers to all remaining vacation properties #5 refers to all remaining properties other than vacation properties ----------------------------------------------------------------------------- X1703(#1) I want to ask first about the property where you live. X1803(#2) In the questions that follow, please give me the amounts X1903(#3) for the building excluding your unit. I want 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 want to ask first about the most valuable property. About the property..... About the next most valuable property..... What type of property is this? 10. Farm/Ranch -- any mention 11. Land only: Lot, tract, acreage; building lots; "farmland" 12. Land and (seasonal) residence (exc. 14); "house + 50 acres" 13. Land and some other type of structure 14. Land and trailer/mobile home 21. Seasonal/vacation house (winter/summer home; cottage; etc.) 22. Trailer/Mobile Home 24. Mobile home park 25. Time-share ownership -- any 40. One single family house 41. Multiple single family houses 42. Duplex 2 unit residence 43. Triplex - 3 unit residence 44. Fourplex - 4 unit residence 45. 5 or more unit residence 46. "Apartment house" -- NA # of units; "rental" units or property NFS 47. Other business/commercial property (exc. 41-46) 48. Business/commercial and residentaial combination 49. Condominium 50. Residential 51. Garage 52. Burial lot -7. Other, including combinations 999. Misc. vacation property mapped from mop-up question 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1) ******************************************************* FOR THE PUBLIC DATASET, CODES 12, 13, 14, 22, AND 24 ARE COMBINED WITH 12; CODE 25 IS COMBINED WITH 21; CODES 43 AND 44 COMBINED WITH 42; CODE 48 IS COMBINED WITH 47; CODE 46 IS COMBINED WITH 45; CODE 52 IS COMBINED WITH -7. ******************************************************* X1704(#1) Is this property owned by you, is it owned jointly with X1804(#2) others, owned by a partnership, is it a timeshare, or what? X1904(#3) Is this property owned by you and your family living here, is it owned jointly with others, owned by a partnership, is it a timeshare, or what? 1. OWNED BY R (AND FAMILY LIVING THERE) 2. OWNED JOINTLY 3. PARTNERSHIP; limited partnership 4. REAL ESTATE INVESTMENT TRUST (REIT) 5. TIMESHARE 8. Property moved from mopup and assumed to be all R's (value collected in mopup is R's share) 10. Corporation NEC -7. Other; including combinations 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3) X1705(#1) What percentage of the property do you own? X1805(#2) X1905(#3) What percentage of the property do you and your family living here own? Code percent * 100 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3) NOTE: For timeshares, ownership is always taken as 100 percent. X1706(#1) How much in total is this timeshare worth? X1806(#2) X1906(#3) How much in total is this property worth? I mean, what would it bring if it were sold today? INTERVIEWER: WE WANT THE TOTAL VALUE OF THE PROPERTY, NOT JUST R'S SHARE. (asked if property not a time share) Code value -1. Nothing 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3) 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? (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) X1707(#1) Code month X1807(#2) 1. January X1907(#3) 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1708(#1) Code year (4 digits) X1808(#2) 0. Inap. (No properties: X1700=5; no properties not owned X1908(#3) by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3) ************************************************** FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1920 ************************************************** X1710(#1) CODE GIFT/INHERITANCE X1810(#2) 1. GIFT/INHERITANCE X1910(#3) 5. R PURCHASED 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3) X1709(#1) What was the value of the property when received? X1809(#2) X1909(#3) What was the purchase price of your timeshare? What was the total purchase price? Code amount -1. Nothing 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3) X1711(#1) Are there any outstanding loans or mortgages on this timeshare? X1811(#2) X1911(#3) Are there any outstanding loans or mortgages on this property? 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3) In what month and year did you obtain or last refinance the loan? X1712#1) Code month X1812(#2) 1. January X1912(#3) 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1713(#1) Code year (4 digits) X1813(#2) 0. Inap. (No properties: X1700=5; no properties not owned X1913(#3) by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) X1714(#1) How much was borrowed or refinanced for your timeshare? X1814(#2) X1914(#3) In total, how much was borrowed or refinanced? Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) X1715(#1) How much is still owed? X1815(#2) X1915(#3) In total, how much is still owed? Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) 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? X1716(#1) Code number of years X1816(#2) -1. No set number of years X1916(#3) -7. Unable to calculate from number of payments 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) X1717(#1) Code number of payments X1817(#2) -1. No set number of payments X1917(#3) -7. Unable to calculate from number of years 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) X9157(#1) Recode: Term of loan in months X9158(#2) X9159(#3) Code months -1. No set number of years/payments -7. Unable to calculate from number of payments/years 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X1718(#1) How much are the payments? X1818(#2) X1918(#3) In total, how much are the payments? Code amount -1. Nothing -2. No regular payments 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1; no set number of payments: X1716=-1/X1816=-1/X1916=-1) X1719(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X1819(#2) And how often are they due? X1919(#3) Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO REGULAR PAYMENTS -7. Other 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1; no set number of payments: X1716=-1/X1816=-1/X1916=-1) X1723(#1) What is the typical payment? X1823(#2) -1. None X1923(#3) -2. NO TYPICAL PAYMENTS 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1; set number of payments and positive amount of payments: X1716^=-1 and X1718>0/ /X1816^=-1 ad X1818>0/X1916^=-1 and X1918>0) X1724(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X1824(#2) And how often is it made? X1924(#3) Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO TYPICAL PAYMENTS -7. Other 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1; set number of payments and positive amount of payments: X1716^=-1 and X1718>0/ /X1816^=-1 ad X1818>0/X1916^=-1 and X1918>0) X1720(#1) Does this amount include property taxes or insurance? X1820(#2) INTERVIEWER: PROBE FOR WHICH. X1920(#3 1. Taxes only 2. Insurance only 3. Both 4. Neither 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1; no typical payment: X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2) X1721(#1) Will the regular payments repay the loan completely or will X1821(#2) there be a balance payable, or "balloon" payment when the X1921(#3) loan is due? 1. Repay completely 5. Balloon 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1; no typical payment: X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2) X1722(#1) What will the balance due or balloon payment be? X1822(#2) X1922(#3) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1; no typical payment: X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2; no balloon payment: X1721^=2/X1821^=2/X1921^=2) X7554(#1) Is this loan being paid off ahead of schedule, behind X7553(#2) schedule, or are the payments about on schedule? X7552(#3) 1. On schedule 2. Ahead of schedule 3. Behind schedule 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1; no set number of payments: X1716=-1/X1816=-1/X1916=-1; no typical payment: X1723=-1 or -1/X1823=-1 or -2/X1923=-1 or -2) X1725(#1) When do you expect this loan to be repaid? X1825(#2) X1925(#3) Code year (4 digits) 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1; no set number of payments: X1716=-1/X1816=-1/X1916=-1; loan on schedule: X7554=1/ X7553=1/X7552=1) X1726(#1) What is the current annual interest rate being charged on X1826(#2) the loan? X1926(#3) Code percent * 100 -1. No interest 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) X1727(#1) Does this loan have an adjustable rate? That is, does it X1827(#2) have an interest rate that can rise and fall from time to time? X1927(#3) 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) X1728(#1) Please look at the Institutions Card. Is the loan with any X1828(#2) of the institutions on the Institutions Card, or from X1928(#3) someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) X9099(#1) Recode: type of institution X9100(#2) X9101(#3) See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no loan on property: X1711^=1/X1811^=1/X1911^=1) X1729(#1) Did you receive any income from this property in 1994? X1829(#2) X1929(#3) Did your family living here receive any income from this property in 1994? 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3) X1730(#1) How much gross income did you receive? X1830(#2) X1930(#3) How much gross income did your family receive? Code amount -1. Nothing 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1/fewer than 2 properties: X1701<2/ fewer than 3 properties: X1701<3; no income from property: X1719^-1/X1819^=1/X1929^=1) X2001(#4) About the remaining properties that you own, are any of these vacation homes or land you use for recreational purposes? About the remaining properties that you and your family living here own, are any of these vacation homes or land you use for recreational purposes? 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4) X8405(#4) Original value of total for Rs who did not provide complete information within the grid structure (see introduction) 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid) X2002(#4) How much in total is your share of these vacation homes or recreational property worth? How much in total is your family's share of these vacation homes or recreational property worth? Code value 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 or more properties, but no vacation properties beyond 3rd property: X1701>=4 and X2001^=1) X8406(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no vacation properties among residual: X8405^=1) X2003(#4) What was your total purchase price for these properties? What was your family's total purchase price for these properties? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code value 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties X1701<4; 4 or more properties, but no vacation: properties beyond 3rd property: X1701>=4 and X2001^=1) X8407(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no vacation properties among residual: X8405^=1) X2004(#4) CODE GIFT/INHERITANCE 1. GIFT/INHERITANCE 5. R PURCHASED 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 or more properties, but no vacation properties beyond 3rd property: X1701>=4 and X2001^=1) X8408(#4) Original value for Rs who did not provide complete information within the grid structure (see introduction) Code gift/inheritance 1. GIFT/INHERITANCE 5. R PURCHASED 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no vacation properties among residual: X8405^=1) X2005(#4) Are there any mortgages or loans outstanding against these vacation homes or recreational land? 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 or more properties, but no vacation properties beyond 3rd property: X1701>=4 and X2001^=1) X8409(#4) Original value for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no vacation properties among residual: X8405^=1) X2006(#4) Altogether, about how much is owed on your share of these mortgages or loans? Altogether, about how much is owed on your family's share of these mortgages or loans? Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 or more properties, but no vacation properties beyond 3rd property: X1701>=4 and X2001^=1; no loans on property: X2005^=1) X8410(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no vacation properties among residual: X8405^=1; no mortgages on residual vacation properties: X8409^=1) X2007(#4) How much are the payments on these loans or mortgages? Code amount -1. Nothing -2. No regular payments 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 or more properties, but no vacation properties beyond 3rd property: X1701>=4 and X2001^=1; no loans on property: X2005^=1) X2008(#4) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO REGULAR PAYMENTS -7. Other 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 or more properties, but no vacation properties beyond 3rd property: X1701>=4 and X2001^=1; no loans on property: X2005^=1) X8411(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no vacation properties among residual: X8405^=1; no mortgages on residual vacation properties: X8409^=1) X8412(#4) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO REGULAR PAYMENTS -7. Other 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no vacation properties among residual: X8405^=1; no mortgages on residual vacation properties: X8409^=1) X2009(#4) Did you receive any income in 1994 from renting out these vacation homes or recreational land? Did you or your family living here receive any income in 1994 from renting out these vacation homes or recreational land? 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 or more properties, but no vacation properties beyond 3rd property: X1701>=4 and X2001^=1) X8413(#4) Original value for Rs who did not provide complete information within the grid structure (see introduction) 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no vacation properties among residual: X8405^=1) X2010(#4) Altogether, how much gross income did you receive? Altogether, how much gross income did your family receive? Code amount -1. Nothing 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 or more properties, but no vacation properties beyond 3rd property: X1701>=4 and X2001^=1; no income from property: X2009^=1) X8414(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no vacation properties among residual: X8405^=1; no rental income on residual vacation properties X8413^=1) X2011(#5) Are there any remaining properties you own that you have not told me details about? 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 properties and one vacation properties beyond 3rd property: X1701=4 and X2001=1) X8415(#5) Original value for Rs who did not provide complete information within the grid structure (see introduction) 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid) X2012(#5) For the remaining properties that you own, about how much in total is your share worth? I mean, what could you sell them for? For the remaining properties that you own, about how much in total is your family's share worth? I mean, what could you sell them for? Code amount -1. Nothing 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 properties and one vacation properties beyond 3rd property: X1701=4 and X2001=1) X8416(#5) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no remaining properties among residual: X8415^=1) X2013(#5) About how much was your total purchase price for these properties? About how much was your family's total purchase price for these properties? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code amount -1. Nothing 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 properties and one vacation properties beyond 3rd property: X1701=4 and X2001=1) X8417(#5) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no remaining properties among residual: X8415^=1) X2014(#5) CODE GIFT/INHERITANCE 1. GIFT/INHERITANCE 5. R PURCHASED 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 properties and one vacation properties beyond 3rd property: X1701=4 and X2001=1) X8418(#5) Original value for Rs who did not provide complete information within the grid structure (see introduction) Code gift/inheritance 1. GIFT/INHERITANCE 5. R PURCHASED 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no remaining properties among residual: X8415^=1) X2015(#5) Are there mortgages or loans outstanding against these properties? 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 properties and one vacation properties beyond 3rd property: X1701=4 and X2001=1) X8419(#5) Original value for Rs who did not provide complete information within the grid structure (see introduction) 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no remaining properties among residual: X8415^=1) X2016(#5) Altogether, about how much is owed on your share of these mortgages or loans? Altogether, about how much is owed on your family's share of these mortgages or loans? Code amount -1. Nothing 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 properties and one vacation properties beyond 3rd property: X1701=4 and X2001=1; no loans on property: X2015^=1) X8420(#5) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no remaining properties among residual: X8415^=1; no mortgages on remaining properites: X8419^=1) X2017(#5) How much are the payments on these loans or mortgages? Code amount -1. Nothing -2. No typical payment 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 properties and one vacation properties beyond 3rd property: X1701=4 and X2001=1; no loans on property: X2015^=1) X2018(#5) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO REGULAR PAYMENTS -7. Other 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 properties and one vacation properties beyond 3rd property: X1701=4 and X2001=1; no loans on property: X2015^=1) X8421(#5) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no remaining properties among residual: X8415^=1; no mortgages on remaining properites: X8419^=1) X8422(#5) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO REGULAR PAYMENTS -7. Other 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no remaining properties among residual: X8415^=1; no mortgages on remaining properites: X8419^=1) X2019(#5) Did you receive any income in 1994 from renting out any of these properties? Did you or your family living here receive any income in 1994 from renting out any of these properties? 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 properties and one vacation properties beyond 3rd property: X1701=4 and X2001=1) X8423(#5) Original value for Rs who did not provide complete information within the grid structure (see introduction) 1. YES 5. NO 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no remaining properties among residual: X8415^=1) X2020(#5) Altogether, how much gross income from these properties did you receive in 1994? Altogether, how much gross income from these properties did your family receive in 1994? Code amount -1. Nothing 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; fewer than 4 properties: X1701<4; 4 properties and one vacation properties beyond 3rd property: X1701=4 and X2001=1; no income from property: X2019^=1) X8424(#5) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (No properties: X1700=5; no properties not owned by a business: X1701=-1; did not break off early in grid; no remaining properties among residual: X8415^=1; no income from remaining properties: X8423^=1) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- BUSINESSES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X3101 DOES R OPERATE A FARM/RANCH BUSINESS ON THEIR PROPERTY? (Coded automatically by CAPI program: X503=1 implies YES, otherwise NO) 1. YES 5. NO X3103 Now I would like to ask you about businesses you may own. Do you own or share ownership in any privately-held businesses, farms, professional practices, limited partnerships or any other types of partnerships? Do not include corporations with publicly-traded stock or any property partnerships that have already been recorded earlier. Now I would like to ask you about businesses you may own. Do you and your family living here own or share ownership in any privately-held businesses, farms, professional practices, limited partnerships or any other types of partnerships? Do not include corporations with publicly-traded stock or any property partnerships that have already been recorded earlier. 1. YES 5. NO (value set to YES when R reported having a farm business: X3101=YES) ----------------------------------------------------------------------------- ACTIVELY MANAGED BUSINESSES ----------------------------------------------------------------------------- X3104 Do you have an active management role in any of these businesses? Do you or anyone in your family living here have an active management role in any of these businesses? INTERVIEWER: INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS. IF R OWNS A HOLDING COMPANY OR MANAGED INVESTMENTS ACOUNTS, REPORT THE COMPONENTS SEPARATELY. 1. YES 5. NO 0. Inap. (no businesses: X3103^=1) (value set to YES when R reported having a farm business: X3101=YES) X3105 Including your (farm/ranch) business here, in how many (farms/ranches), privately-held businesses, professional practices, limited partnerships, or any other types of partnership do you 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. Including your (farm/ranch) business here, in how many (farms/ranches), privately-held businesses, professional practices, limited partnerships, or any other types of partnership do you or your family living here 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. INTERVIEWER: INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED PARTNERS. IF R OWNS A HOLDING COMPANY OR MANAGED INVESTMENTS ACCOUNTS, REPORT THE COMPONENTS SEPARATELY. In how many businesses do you have an active management role? In how many businesses do you or anyone in your family living here have an active management role? Code number 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1) I will ask you first about your (farm/ranch) business. When we talk about the value of (farm/ranch) assets and liabilities here, we are referring to (farm/ranch) implements, livestock, crops, etc., and operating loans other than your mortgages. INTERVIEWER: DO NOT INCLUDE THE VALUE OF THE PROPERTIES AND LOANS ALREADY RECORDED. ********************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 25 ********************************************** X6689 Originally reported value of X3105 (see introduction) Code number 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1) ********************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 25 ********************************************** ----------------------------------------------------------------------------- #1 refers to first actively managed business #2 refers to second actively managed business #3 refers to third actively managed business #4 refers to all remaining actively managed businesses ----------------------------------------------------------------------------- X3107(#1) What kind of business is it/the largest business/the next X3207(#2) business/that is, what does the business make of do? X3307(#3) 1. Farm; nursery; train dogs; forest management; agricultural services; landscaping 2. Restaurant; bar 3. Auto repair; car wash 4. Direct sales: Amway; Avon; Mary Kay; Tupperware; Stanley Home Products 5. Contracting; construction services; plastering; painting; plumbing 6. Real Estate; insurance 7. Professional practice, incl. law, medicine, architecture; accounting; bookkeeping 8. Beauty shop; barber shop 9. Manufacturing, incl. printing/publishing 10. Gas station 11. Food/liquor stores 12. Other retail and/or wholesale business (exc. 02, 04, 10, 11) 13. Trucking; moving and storage; warehousing 14. Repair services (exc. auto, 03) 15. Personal services; (exc. beauty shop, code 08) hotel, dry cleaners, etc. 16. Entertainment services, incl. movie house, dance studio, etc 17. Business management and consulting services 18. Other business services (exc. 17): advertising, equipment rental, computer programming, auctioneering, pest control, industrial recycling 19. Banks and brokerage firms; mortage/finance company 20. Communications; cable tv or radio stations 21. Mining, extraction; oil, gas and water services 22. Art, crafts, related areas 23. Writing, training, speaking services 24. Transportation services (exc. 13), parking -7. Other; incl. foreign-operated business 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) ****************************************************** THE FOLLOWING NEW CATEGORIES HAVE CREATED FOR THE PUBLIC DATASET: IF (business type=1) THEN newcode=1; ELSE IF (business type=5 or 21) THEN newcode=2; ELSE IF (business type=9 or 22) THEN newcode=3; ELSE IF (business type=2, 4, 10, 11, or 12) THEN newcode=4; ELSE IF (business type=3, 6, 16, 18, or 19) THEN newcode=5; ELSE IF (business type=7, 8, 13, 14, 15, 17, 20, 23, or 24) THEN newcode=6; ****************************************************** X3108(#1) How did you first acquire this business; was it bought or X3208(#2) invested in, started by you, inherited, given to you, or what? X3308(#3) How did you or your family living here first acquire this business; was it bought or invested in, started by you, inherited, given to you, or what? 1. BOUGHT/INVEST 2. STARTED 3. INHERITED 4. GIVEN 5. Joined/became partner/promotion -7. OTHER 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) ****************************************************** FOR THE PUBLIC DATASET, CODE 4 HAS BEEN COMBINED WITH CODE 3 ****************************************************** X3110(#1) In what year did you start the business? X3210(#2) X3310(#3) In what year did you acquire the business? Code year (4 digits) 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) X3111(#1) How many employees does it have including you? X3211(#2) X3311(#3) How many employees does it have including you and members of your family? Code number -1. None 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) ************************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 5,000 ************************************************* X3112(#1) INTERVIEWER CHECKPOINT X3212(#2) 1. R LIVES ALONE X3312(#3) 2. ALL OTHERS 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** Which members of your family living here work in or participate in the operation of the business? INTERVIEWER: CODE ALL THAT APPLY X3113(#1) RESPONDENT X3213(#2) X3313(#3) 1. Checked 5. Not checked 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) X3114(#1) SPOUSE/PARTNER X3214(#2) X3314(#3) 1. Checked 5. Not checked 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; R lives alone: X101=1) X3115(#1) ADULT CHILD; child; child-in-law; grandchild X3215(#2) X3315(#3) 1. Checked 5. Not checked 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; R lives alone: X101=1) X3116(#1) OTHER ADULT IN HOUSEHOLD X3216(#2) X3316(#3) 1. Checked 5. Not checked 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; R lives alone: X101=1) X3117(#1) OTHER --> -7 X3217(#2) X3317(#3) 1. Checked 5. Not checked 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; R lives alone: X101=1) X3118(#1) Other than you and your (spouse/partner), how many hours X3218(#2) does the other family member work in this business in a X3318(#3) normal week? Other than you and your (spouse/partner), how many hours does the most involved family member work in this business in a normal week? Other than you, how many hours does the other family member work in this business in a normal week? Other than you, how many hours does the most involved family member work in this business in a normal week? How many hours does the other family member work in this business in a normal week? How many hours does the most involved family member work in this business in a normal week? Code number of hours -1. None 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; R lives alone: X101=1; no one in PEU besides R/Spouse work in business: X3115^=1 and X3116^=1 and X3117^=1/X3215^=1 and X3216^=1 and X3217^=1/X3315^=1 and X3316^=1 and X3317^=1/) X3119(#1) Is it a partnership, a sole proprietorship, a subchapter S X3219(#2) corporation, another type of corporation, or what? X3319(#3) 1. PARTNERSHIP 2. SOLE PROPRIETORSHIP 3. SUBCHAPTER S 4. OTHER CORPORATION (including C chapter corps) 6. Foreign business type 11. Limited partnership 12. Limited liability company -7. OTHER; not a formal business type 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) ****************************************************** FOR THE PUBLIC DATASET, CODE 12 HAS BEEN COMBINED WITH CODE 11. ****************************************************** X3120(#1) These next few questions are about the relationship between X3220(#2) your personal finances and the finances of your business. X3320(#3) These next few questions are about the relationship between your family's personal finances and the finances of your family's business. Are you using personal assets as collateral or did you have to cosign or guarantee any loans for this business? Are you or your family living here using personal assets as collateral or did you have to cosign or guarantee any loans for this business? 1. YES 5. NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) X7144(#1) Which of these did you do? Collateralize a loan, guarantee X7145(#2) a loan, or both? X7146(#3) 1. COLLATERALIZE 2. GUARANTEE 3. BOTH 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; did not guarantee or collateralize: X3120^=1/X3220^=1/X3320-^=1) X3121(#1) How much is collateralized? X3221(#2) X3321(#3) How much is guaranteed? How much is guaranteed or collateralized? Code amount 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; did not guarantee or collateralize: X3120^=1/X3220^=1/X3320-^=1) X3122(#1) Did I record this earlier? X3222(#2) X3322(#3) 1. YES 4. R reported YES, but no apparent match in data 5. NO 6. R reported YES, partially recorded earlier 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; did not guarantee or collateralize: X3120^=1/X3220^=1/X3320-^=1) NOTE: where (X3122 X3222 X3322)=1, the amount of the loan is not edited out of the earlier location. See model SAS code definition of net worth later in this codebook for one possible treatment. X7551(#1) Which loan was that? X7550(#2) X7549(#3) 1. Credit Card 2. 1st Mortgage 3. 2nd Mortgage 4. Home Equity Loan 5. Line of Credit 6. Other Real Estate Loan 13. More than one mortgage on principal residence 14. Combination of line of credit and other real estate loan -7. Other 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; did not guarantee or collateralize: X3120^=1/X3220^=1/X3320-^=1; loan not reported earlier: X3122^=1/X3221^=1/X3321^=1) X3123(#1) Other than guarantees, does the business owe you any money? X3223(#2) X3323(#3) Does the business owe you any money? Other than guarantees, does the business owe you or your family living here any money? Does the business owe you or your family living here any money? 1. YES 5. NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) X3124(#1) How much is owed? X3224(#2) X3324(#3) Code amount 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; business does not owe R any money: X3123^=1/X3223^=1/X3323^=1) X3125(#1) Do you owe the business any money? X3225(#2) X3325(#3) Do you or your family living here owe the business any money? 1. YES 5. NO 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) X3126(#1) How much do you owe? X3226(#2) X3326(#3) Code amount 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; R does not owe business any money: X3125^=1/X3225^=1/X3325^=1) X3127(#1) Did I record this earlier? X3227(#2) X3327(#3) 1. YES 4. R reported YES, but no apparent match in data 5. NO 6. R reported YES, partially recorded earlier 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; R does not owe business any money: X3125^=1/X3225^=1/X3325^=1) Note: this variable was extensively edited to verify amounts reported earlier X7548(#1) When was it mentioned? X7547(#2) X7546(#3) 1. Credit Card 2. 1st Mortgage 3. 2nd Mortgage 4. Home Equity Loan 5. Line of Credit 6. Other Real Estate Loan 13. More than one mortgage on principal residence 14. Combination of line of credit and other real estate loan -7. Other 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3; R does not owe business any money: X3125^=1/X3225^=1/X3325^=1; amount owed to business not reported earlier: X3127^=1/X3227^=1/X3327^=1) X3128(#1) What percentage of the business do you own? X3228(#2) X3328(#3) What percentage of the business do you and your family living here own? Code percent * 100 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) X3129(#1) What is the net worth of this business? X3229(#2) X3329(#3) What is the net worth of your share of this business? What could you sell it for? Code amount -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) X3130(#1) If you sold the business now, what would be the cost basis X3230(#2) for tax purposes of this share? (What was your original X3330(#3) investment)? Code amount -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) X3131(#1) What were the gross receipts or gross sales of the business X3231(#2) as a whole in 1994? X3331(#3) Code amount -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) X3132(#1) What was the business's total net income before taxes in 1994? X3232(#2) X3332(#3) Code amount -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1/fewer than 2 actively managed businesses: X3105<2/fewer than 3 actively managed businesses X3105<3) X3335(#4) For the remaining business you own and actively manage, what could you sell your share for? (What is your share worth?) For the remaining businesses you own and actively manage, what could you sell your share for? (What is your share worth?) For the remaining business you and your family living here own and actively manage, what could you sell your share for? (What is your share worth?) For the remaining businesses you and your family living here own and actively manage, what could you sell your share for? (What is your share worth?) Code amount -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; fewer than 2 actively managed businesses: fewer than 4 actively managed businesses: X3105<4) X8425(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; did not break off early in grid) X3336(#4) If you sold this business now, what would be the cost basis for tax purposes of your share? (What was your original investment?) If you sold these businesses now, what would be the cost basis for tax purposes of your share? (What was your original investment?) Code amount -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; fewer than 2 actively managed businesses: fewer than 4 actively managed businesses: X3105<4) X8426(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; did not break off early in grid) X3337(#4) What was the total net income you received from this business in 1994? What was the total net income you received from these businesses in 1994? What was the total net income you and your family living here (received from this business in 1994?/received from these businesses in 1994?) Code amount -1. Nothing 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; fewer than 2 actively managed businesses: fewer than 4 actively managed businesses: X3105<4) X8427(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no businesses: X3103^=1; no actively managed businesses: X3104^=1; did not break off early in grid) ----------------------------------------------------------------------------- NON-ACTIVELY MANAGED BUSINESSES ----------------------------------------------------------------------------- X3401 Do you own or have an interest in any other businesses or any type of partnership where you do not have an active management role? Do you or anyone in your family living here own or have an interest in any other businesses or any type of partnership where you do not have an active management role? 1. YES 5. NO 0. Inap. (no businesses: X3103^=1) X3402 How many of these businesses or partnerships do you own or share ownership in? How many of these businesses or partnerships do you and your family living here own or share ownership in? Code number 0. Inap. (no businesses: X3103^=1; no non-actively managed businesses: X3401^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 25 ********************************************* ----------------------------------------------------------------------------- #1 refers to limited partnerships #2 refers to other partnerships #3 refers to subchapter S corporations #4 refers to other types of corporations #5 refers to sole proprietorships #6 refers to all other non-actively managed businesses ----------------------------------------------------------------------------- Is it a sole-proprietorship, a limited partnership, another type of partnership, a Subchapter S corporation, another type of corporation, or what? X3407(#1) (I need to know what type of businesses these are.) Are any of them limited partnership? X3411(#2) Are any of them other partnership? X3415(#3) Are any of them subchapter S corporation? X3419(#4) Are any of them other corporation? X3423(#5) Are any of them sole proprietorship? X3427(#6) Are any of them some other kind of business? 1. YES 5. NO 0. Inap. (no businesses: X3103^=1; no non-actively managed businesses: X3401^=1) What could you sell your share for? (What is it worth?) What could you sell your family's share for? (What is it worth?) X3408(#1) What could you sell your share of all these Limited Partnerships for? (What is it worth?) What could you sell your family's share of all these Limited Partnerships for? (What is it worth?) X3412(#2) What could you sell your share of all these Other partnerships for? (What is it worth?) What could you sell your family's share of all these Other partnerships for? (What is it worth?) X3416(#3) What could you sell your share of all these Subchapter S Corporations for? (What is it worth?) What could you sell your family's share of all these Subchapter S Corporations for? (What is it worth?) X3420(#4) What could you sell your share of all these Other Corporations for? (What is it worth?) What could you sell your family's share of all these Other Corporations for? (What is it worth?) X3424(#5) What could you sell your share of all these Sole Proprietorships for? (What is it worth?) What could you sell your family's share of all these Sole Proprietorships for? (What is it worth?) X3428(#6) What could you sell your share of all these (other type) for? (What is it worth?) What could you sell your family's share of all these (other type) for? (What is it worth?) Code amount -1. Nothing 0. Inap. (no businesses: X3103^=1; no non-actively managed businesses: X3401^=1; no non-actively managed businesses of type: X3407^=1/X3411^=1/X3415^=1/X3419^=1/ X3423^=1/X3427^=1) X8452 Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no businesses: X3103^=1 no non-actively managed businesses: X3401^=1; did not break off early in grid) If you sold this business now, what would be the cost basis for tax purposes? (What was your original investment?) X3409(#1) If you sold these Limited Partnerships now, what would be the cost basis for tax purposes? (What was your original investment?) X3413(#2) If you sold these Other partnerships now, what would be the cost basis for tax purposes? (What was your original investment?) X3417(#3) If you sold these Subchapter S Corporations now, what would be the cost basis for tax purposes? (What was your original investment?) X3421(#4) If you sold these Other Corporations now, what would be the cost basis for tax purposes? (What was your original investment?) X3425(#5) If you sold these Sole Proprietorships now, what would be the cost basis for tax purposes? (What was your original investment?) X3429(#6) If you sold these (other type) now, what would be the cost basis for tax purposes? (What was your original investment?) Code amount -1. Nothing 0. Inap. (no businesses: X3103^=1; no non-actively managed businesses: X3401^=1; no non-actively managed businesses of type: X3407^=1/X3411^=1/X3415^=1/X3419^=1/ X3423^=1/X3427^=1) X8453 Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no businesses: X3103^=1 no non-actively managed businesses: X3401^=1; did not break off early in grid) What was the total net income you received from this business in 1994? What was the total net income you and your family living here received from this business in 1994? X3410(#1) What was the total net income you received from all such Limited Partnerships in 1994? What was the total net income you and your family living here received from all such Limited Partnerships in 1994? X3414(#2) What was the total net income you received from all such Other partnerships in 1994? What was the total net income you and your family living here received from all such Other partnerships in 1994? X3418(#3) What was the total net income you received from all such Subchapter S Corporations in 1994? What was the total net income you and your family living here received from all such Subchapter S Corporations in 1994? X3422(#4) What was the total net income you received from all such Other Corporations in 1994? What was the total net income you and your family living here received from all such Other Corporations in 1994? X3426(#5) What was the total net income you received from all such Sole Proprietorships in 1994? What was the total net income you and your family living here received from all such Sole Proprietorships in 1994? X3430(#6) What was the total net income you received from all such (other type) in 1994? What was the total net income you and your family living here received from all such (other type) in 1994? Code amount -1. Nothing 0. Inap. (no businesses: X3103^=1; no non-actively managed businesses: X3401^=1; no non-actively managed businesses of type: X3407^=1/X3411^=1/X3415^=1/X3419^=1/ X3423^=1/X3427^=1) X8454 Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no businesses: X3103^=1 no non-actively managed businesses: X3401^=1; did not break off early in grid) X7545 Were you ever involved in the active management of the businesses? Were you ever involved in the active management of the business? Were you or any of your family living here ever involved in the active management of the businesses? Were you or any of your family living here ever involved in the active management of the business? 1. Yes 5. No 0. Inap. (no businesses: X3103^=1; no non-actively managed businesses: X3401^=1) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- VEHICLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- VEHICLES SUPPLIED BY A BUSINESS ----------------------------------------------------------------------------- X2501 Now I'd like to get some information on your vehicles. Some people have cars or other vehicles provided to them by a business for personal and business use. Do you have any such business vehicles? Now I'd like to get some information on your family's vehicles. Some people have cars or other vehicles provided to them by a business for personal and business use. Do you or anyone in your family have any such business vehicles? 1. YES 5. NO X2502 How many such vehicles do you regularly use? How many such vehicles do you or someone in your family living here regularly use? Code number 0. Inap. (no vehicles supplied by a business: X2501^=1) X7149 Does the business lease this vehicle? Does the business lease any of these vehicles? 1. YES 5. NO 0. Inap. (no vehicles supplied by a business: X2501^=1) ----------------------------------------------------------------------------- LEASED VEHICLES ----------------------------------------------------------------------------- X2101 Now I'd like to get some information on your (family's) vehicles. Now I'd like to get some information on your (family's) vehicles. Other than any vehicles provided by a business... Are you currently leasing any cars or other vehicles? Are you or anyone in your family living here currently leasing any cars or other vehicles? 1. YES 5. NO X2102 Not counting vehicles leased by a business, how many cars or other vehicles do you lease? Not counting vehicles leased by a business, how many cars or other vehicles do you and your family living here lease? Code number 0. Inap. (no personally leased vehicles: X2101^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 3 ******************************************** X6690 Originally reported value of X2101 (see introduction) Code number 0. Inap. (no personally leased vehicles: X2101^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 3 ******************************************** ----------------------------------------------------------------------------- #1 refers to first personally leased vehicle #2 refers to second personally leased vehicle #3 refers to all other personally leased vehicles ----------------------------------------------------------------------------- X2103(#1) What make and model is this vehicle? X2110(#2) What make and model is the newest vehicle? What make and model is the next vehicle? Code make and model 0. Inap. (no personally leased vehicles: X2101^=1/fewer than 2 leased vehicles: X2101<2) ******************************************* NOT INCLUDED IN THE PUBLIC DATASET ******************************************* X2104(#1) What model year is it? X2111(#2) Code year (4 digits) 0. Inap. (no personally leased vehicles: X2101^=1/fewer than 2 leased vehicles: X2101<2) ************************************************** FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1975 ************************************************** X8163(#1) Recode: prevailing retail VALUE OF VEHICLE as of fall 1995 X8164(#2) according to industry guidebook Code value 0. Inap. (no personally leased vehicles: X2101^=1/fewer than 2 leased vehicles: X2101<2) X2105(#1) How much are your lease payments? X2112(#2) Code amount -1. Nothing -2. No regular payments 0. Inap. (no personally leased vehicles: X2101^=1/fewer than 2 leased vehicles: X2101<2) X2106(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X2113(#2) And how often are they due? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO REGULAR PAYMENTS -7. Other 0. Inap. (no personally leased vehicles: X2101^=1/fewer than 2 leased vehicles: X2101<2) How many years or months was the original lease? X2107(#1) Code number of years X2114(#2) -1. Less than one year 0. Inap. (no personally leased vehicles: X2101^=1/fewer than 2 leased vehicles: X2101<2; number of months given: X2108/X2115>0) X2108(#1) Code number of months X2115(#2) 0. Inap. (no personally leased vehicles: X2101^=1/fewer than 2 leased vehicles: X2101<2; number of years given: X2107/X2114>0) X2117(#3) Altogether, about how much are the lease payments on your other leased vehicles? Altogether, about how much are the lease payments on your other leased vehicle? Code amount -1. Nothing -2. No regular payments 0. Inap. (no personally leased vehicles: X2101^=1; fewer than 3 leased vehicles: X2101<3) X2118(#3) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO REGULAR PAYMENTS -7. Other 0. Inap. (no personally leased vehicles: X2101^=1; fewer than 3 leased vehicles: X2101<3) X8428(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no personally leased vehicles: X2101^=1; did not break off early in grid) X8429(#3) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 23. 13 times a year; every 4 weeks 24. Every 6 weeks 22. Varies -1. NO PAYMENT -2. NO REGULAR PAYMENTS -7. Other 0. Inap. (no personally leased vehicles: X2101^=1; did not break off early in grid) ----------------------------------------------------------------------------- OWNED CARS, TRUCKS, VANS, AND SPORT UTILITY VEHICLES ----------------------------------------------------------------------------- X2201 Do you own any cars, or any kind of truck, van or jeep-type vehicle? Do you or anyone in your family here own any cars, or any kind of truck, van or jeep-type vehicle? Do not include motorcyles, tractors, snow blowers, etc., or any vehicles owned by a business. 1. YES 5. NO X2202 Altogether, how many such cars or vehicles do you own? Altogether, how many such cars or vehicles do you and your family living here own? Code number 0. Inap. (no owned cars etc.: X2201^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 10 ********************************************* X6691 Originally reported value of X2202 (see introduction) Code number 0. Inap. (no owned cars etc.: X2201^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 10 ********************************************* ----------------------------------------------------------------------------- #1 refers to first personally owned car #2 refers to second personally owned car #3 refers to third personally owned car #4 refers to fourth personally owned car #5 refers to all other personally owned cars ----------------------------------------------------------------------------- X2203(#1) What type of vehicle is it? X2303(#2) X2403(#3) What type of vehicle is the newest one? X7150(#4) What type of vehicle is the next one? INTERVIEWER: PROBE IF NECESSARY. Is it a car, a van or minivan, a jeep or sport-utility vehicle, a pickup, or what? 1. Car 2. Van/minivan 3. Jeep/sport-utility vehicle 4. Pickup 5. Antique/classic/collector vehicle 6. Truck (except pickup) -7. Other 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4) ******************************************************** FOR THE PUBLIC DATASET, CODES 5 AND 6 ARE COMBINED WITH -7 ******************************************************** X2204(#1) What make and model is it? X2304(#2) X2404(#3) Code make and model X7151(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4) ******************************************* NOT INCLUDED IN THE PUBLIC DATASET ******************************************* X2205(#1) What model year is it? X2305(#2) X2405(#3) Code year (4 digits) X7152(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4) ************************************************** FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1975 ************************************************** X8166(#1) Recode: prevailing retail VALUE OF VEHICLE as of fall 1995 X8167(#2) according to industry guidebook X8168(#3) X8188(#4) Code value 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4) X7543(#1) Did you buy it new or used? X7542(#2) X7541(#3) 1. New X7153(#4) 2. Used 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4) X7540(#1) In what year did you buy it? X7539(#2) X7538(#3) Code year (4 digits) X7154(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; did not buy car used: X7543^=1/X7542^=1/X7541^=1/ X7153^=1) ************************************************** FOR THE PUBLIC DATASET, BOTTOM-CODED AT 1975 ************************************************** X2206(#1) Not counting any loans I've already recorded, is any money X2306(#2) still owed on loans for this (make and model)? X2406(#3) X7155(#4) 1. YES 5. NO 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4) In what month and year was the loan taken out? X2207(#1) Code month X2307(#2) 1. January X2407(#3) 2. February X7156(#4) 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X2208(#1) Code year (4 digits) X2308(#2) X2408(#3) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X7157(#4) X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1) X2209(#1) How much was borrowed or financed? X2309(#2) X2409(#3) Code amount X7158(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1) X2210(#1) Is this a regular installment loan where you pay a fixed X2310(#2) dollar amount each month for a fixed number of months until X2410(#3) the loan is repaid, or some other kind? X7159(#4) 1. Regular Installment 2. Other Kind 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1) How many monthly payments or years were agreed upon when the loan was received? X2212(#1) Code number of years X2312(#2) -1. No set number of years X2412(#3) -7. Unable to calculate from number of payments X7161(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1; not a regular loan: X2210^=1/X2310^=1/ X2410^=1/X7159^=1) X2211(#1) Code number of payments X2311(#2) -1. No set number of payments X2411(#3) -7. Unable to calculate from number of years X7160(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1; not a regular loan: X2210^=1/X2310^=1/ X2410^=1/X7159^=1) X9162(#1) Recode: term of loan in months X9163(#2) -1. No set number of years/payments X9164(#3) -7. Unable to calculate from number of years/payments X9179(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1; not a regular loan: X2210^=1/X2310^=1/ X2410^=1/X7159^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X2213(#1) How much are the payments? X2313(#2) X2413(#3) Code amount X7162(#4) -1. Nothing -2. No regular payment 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1; not a regular loan: X2210^=1/X2310^=1/ X2410^=1/X7159^=1; no set number of payments: X2212=-1/ X2312=-1/X2412=-1/X7161=-1) X7537(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X7536(#2) And how often are they made? X7535(#3) X7163(#4) Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1; not a regular loan: X2210^=1/X2310^=1/ X2410^=1/X7159^=1; no set number of payments: X2212=-1/ X2312=-1/X2412=-1/X7161=-1) X2214(#1) What is the typical payment? X2314(#2) X2414(#3) Code amount X7164(#4) -1. Nothing -2. No typical payment 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1; regular loan and regular payments: X2210=1 and X2213>0/X2310=1 and X2313>0/X2410=1 and X2413>0/ X7159=1 and X7162>0) X2215(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X2315(#2) And how often is it made? X2415(#3) X7165(#4) Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 22. Varies -1. Nothing -2. No regular payment -7. Other 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1; regular loan and regular payments: X2210=1 and X2213>0/X2310=1 and X2313>0/X2410=1 and X2413>0/ X7159=1 and X7162>0) X7534(#1) Is this loan being paid off ahead of schedule, behind X7533(#2) schedule, or are the payments about on schedule? X7532(#3) X7166(#4) 1. On schedule 2. Ahead of schedule 3. Behind schedule 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1; not a regular loan: X2210^=1/X2310^=1/ X2410^=1/X2410^=1/X7159^=1; no regular payment: X2213<=0/X2313<=0/X2413<=0/X7161<=0) In what month and year do you expect this loan to be repaid? X2216(#1) Code month X2316(#2) 1. January X2416(#3) 2. February X7167(#4) 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1; payments on schedule: X7534=1/X7533=1/X75323=1/ X7166=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X2217(#1) Code year (4 digit) X2317(#2) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2417(#3) X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X7168(#3) X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1; payments on schedule: X7534=1/X7533=1/X75323=1/ X7166=1) X2218(#1) How much is still owed on this loan? X2318(#2) X2418(#3) Code amount X7169(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4; no loan on car: X2206^=1/X2306^=1/X2406^=1/ X7155^=1) X2219(#1) What is the current annual rate of interest being charged X2319(#2) on this loan? X2419(#3) X7170(#4) Code percent * 100 -1. Nothing 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4) X2220(#1) Please look at the Institutions Card. Is the loan with any X2320(#2) of the institutions on the Institutions Card, or from X2420(#3) someplace else? (IF INSTITUTIONS CARD: Which institution?) X7171(#4) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4) X9102(#1) Recode: type of institution X9103(#2) X9104(#3) See MASTER INSTITIUTION LIST for other codes (See X308) X9215(#4) 0. Inap. (no owned cars etc.: X2201^=1/fewer than 2 cars: X2202<2/fewer than 3 cars: X2202<3/fewer than 4 cars: X2202<4) X2422(#5) How much are all the other such vehicles that you own worth in today's prices? How much is the other such vehicle that you own worth in today's prices? How much are all the other such vehicles that you and others in your family living here own worth in today's prices? How much is the other such vehicle that you and others in your family living here own worth in today's prices? Code value 0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars: X2202<5); X8430(#5) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no owned cars etc.: X2201^=1; did not break off early in grid) X2423(#5) Not counting loans I have already recorded, is any money still owed on loans for these vehicles? Not counting loans I have already recorded, is any money still owed on a loan for this vehicle? 1. YES 5. NO 0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars: X2202<5); X8431(#5) Original value for Rs who did not provide complete information within the grid structure (see introduction) 1. YES 5. NO 0. Inap. (no owned cars etc.: X2201^=1; did not break off early in grid) X2424(#5) Altogether, about how much is still owed on these loans? Altogether, about how much is still owed on this loan? Code amount 0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars: X2202<5; no loan on car: X2423^=1); X8432(#5) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no owned cars etc.: X2201^=1; did not break off early in grid; no money owned on residual vehicles: X8430^=1) X2425(#5) How much are the total payments on these loans? How much are the total payments on this loan? Code amount -1. Nothing -2. No regular payment 0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars: X2202<5; no loan on car: X2423^=1); X2426(#5) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no owned cars etc.: X2201^=1; fewer than 5 cars: X2202<5; no loan on car: X2423^=1); X8433(#5) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no owned cars etc.: X2201^=1; did not break off early in grid; no money owned on residual vehicles: X8430^=1) X8434(#5) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no owned cars etc.: X2201^=1; did not break off early in grid; no money owned on residual vehicles: X8430^=1) ----------------------------------------------------------------------------- OTHER OWNED VEHICLES ----------------------------------------------------------------------------- X2503 Do you own any other vehicles such as a motorhome, RV, motorcycle, boat, or airplane? Do you or anyone in your family living here own any other vehicles such as a motorhome, RV, motorcycle, boat, or airplane? INTERVIEWER: DO NOT INCLUDE TRACTORS AND LAWN MOWERS 1. YES 5. NO X2504 Altogether, how many of these other vehicles do you own? Altogether, how many of these other vehicles do you or someone in your family living here own? Code number 0. Inap. (no other vehicles: X2503^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 5 ******************************************** X6692 Originally reported value of X2504 (see introduction) Code number 0. Inap. (no other vehicles: X2503^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 5 ******************************************** ----------------------------------------------------------------------------- #1 refers to first other owned vehicle #2 refers to second other owned vehicle #3 refers to all remaining other owned vehicle ----------------------------------------------------------------------------- X2505(#1) What type of vehicle is it? X2605(#2) What type of vehicle is the newest one? What type of vehicle is the next one? INTERVIEWER: PROBE IF NECESSARY. Is it a motorhome, RV, airplane, boat, or what? 1. Motorhome 2. RV 3. Airplane; helicopter 4. Boat 9. Tractor 11. Motorcycle; motor scooter 12. Snowmobile 13. Golf cart 14. Non-automobile off-road vehicle 15. Miscellaneous construction vehicle -7. Other 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3) ****************************************************** FOR THE PUBLIC DATASET, CODE 2 HAS BEEN COMBINED WITH CODE 1; CODE 4 HAS BEEN COMBINED WITH CODE 3; CODE 9 HAS BEEN COMBINED WITH CODE 15; CODE 13 HAS BEEN COMBINED WITH CODE 12. ****************************************************** X2506(#1) About how much is this (vehicle type) worth? X2606(#2) About how much is this vehicle worth? Code amount 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3) X2507(#1) Not counting any loans that I have already recorded, is any X2607(#2) money still owed on loans for this (vehicle type)? owed on loans for this vehicle? 1. YES 5. NO 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3) In what month and year was the loan taken out? X2508(#1) Code month X2608(#2) 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X2509(#1) Code year (4 digits) X2609(#2) 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1) X2510(#1) How much was borrowed or financed, not counting the X2610(#2) finance charges? 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1) X2511(#1) Is this a regular installment loan where you pay a fixed X2611(#2) dollar amount each month for a fixed number of months until the loan is repaid, or some other kind? 1. Regular Installment 2. Other Kind 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1) How many monthly payments or years were agreed upon when the loan was received? X2513(#1) Code number of years X2613(#2) -1. No set number of years -7. Unable to calculate from number of payments 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1; not a regular loan: X2511^=1/X2611^=1) X2512(#1) Code number of payments X2612(#2) -1. No set number of payments -7. Unable to calculate from number of years 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1; not a regular loan: X2511^=1/X2611^=1) X9165(#1) Recode: term of loan in months X9166(#2) -1. No set number of years/payments -7. Unable to calculate from number of years/payments 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1; not a regular loan: X2511^=1/X2611^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X2514(#1) How much are the payments? X2614(#2) Code amount -1. Nothing -2. No regular payment 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1; not a regular loan: X2511^=1/X2611^=1; no set number of payments: X2512=-1/X2612=-1) X7531(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X7530(#2) And how often are they due? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1; not a regular loan: X2511^=1/X2611^=1; no set number of payments: X2512=-1/X2612=-1) X2515(#1) What is the typical payment? X2615(#2) Code amount -1. Nothing -2. No typical payment 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1; regular loan and regular payments: X2511=1 and X2514>0/X2611=1 and X2614>0) X2516(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X2616(#2) And how often is it made? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 22. Varies -1. Nothing -2. No regular payment -7. Other 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1; regular loan and regular payments: X2511=1 and X2514>0/X2611=1 and X2614>0) X7529(#1) Is this loan being paid off ahead of schedule, behind X7528(#2) schedule, or are the payments about on schedule? 1. On schedule 2. Ahead of schedule 3. Behind schedule 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1; not a regular loan: X2511^=1/X2611^=1; no regular payment: X2514<=0/X2614<=0) In what month and year do you expect this loan to be repaid? X2517(#1) Code month X2617(#2) 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1; payments on schedule: X7529=1/X7528=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X2518(#1) Code year X2618(#2) 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1; payments on schedule: X7529=1/X7528=1) X2519(#1) How much is still owed on this loan? X2619(#2) Code amount 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1) X2520(#1) What is the current annual rate of interest being charged X2620(#2) on this loan? -1. Nothing 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1) X2521(#1) Please look at the Institutions Card. Is the loan with any X2621(#2) of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1) X9105(#1) Recode: type of institution X9106(#2) See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no other vehicles: X2503^=1/fewer than 2 other vehicles: X2504<2/fewer than 3 other vehicles: X2404<3; no loan on vehicle: X2507^=1/X2607^=1) X2623(#3) How much are all the other such vehicles that you own worth? How much is the other such vehicle that you own worth? How much are all the other such vehicles that you and others in your family living here own worth? How much is the other such vehicle that you and others in your family living here own worth? Code amount 0. Inap. (no other vehicles: X2503^=1; fewer than 3 other vehicles: X2504<2) X8435(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no other vehicles: X2503^=1; did not break off early in grid) X2624(#3) Not counting loans I have already recorded, is any money still owed on loans for these vehicles? Not counting loans I have already recorded, is any money still owed on loans for this vehicle? 1. YES 5. NO 0. Inap. (no other vehicles: X2503^=1; fewer than 3 other vehicles: X2504<2) X8436(#3) Original value for Rs who did not provide complete information within the grid structure (see introduction) 1. YES 5. NO 0. Inap. (no other vehicles: X2503^=1; did not break off early in grid) X2625(#3) Altogether, about how much is still owed on these loans? Altogether, about how much is still owed on this loan? Code amount 0. Inap. (no other vehicles: X2503^=1; fewer than 3 other vehicles: X2504<2; no money owed on vehicle: X2624^=1) X8437(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no other vehicles: X2503^=1; did not break off early in grid; no loans on residual vehicles: X8436^=1) X2626(#3) How much are the total payments on these loans? How much are the total payments on this loan? Code amount -1. Nothing -2. No regular payment 0. Inap. (no other vehicles: X2503^=1; fewer than 3 other vehicles: X2504<2; no money owed on vehicle: X2624^=1) X2627(#3) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no other vehicles: X2503^=1; fewer than 3 other vehicles: X2504<2; no money owed on vehicle: X2624^=1) X8438(#3) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no other vehicles: X2503^=1; did not break off early in grid; no loans on residual vehicles: X8436^=1) X8439(#3) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no other vehicles: X2503^=1; did not break off early in grid; fewer than 3 other vehicles: X2504<2; no money owed on vehicle: X2624^=1) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- EDUCATION LOANS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X7801 Not counting credit cards or loans you may have told me about in detail, do you owe any money or have any loans for educational expenses? Not counting credit cards or loans you may have told me about in detail, do you and your family living here owe any money or have any loans for educational expenses? 1. YES 5. NO X7802 How many such loans are there? Code number 0. Inap. (no education loans: X7801^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 7 ******************************************** X6693 Originally reported value of X7802 (see introduction) Code number 0. Inap. (no education loans: X7801^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 7 ******************************************** ----------------------------------------------------------------------------- #1 refers to first education loan #2 refers to second education loan #3 refers to third education #4 refers to fourth education #5 refers to fifth education #6 refers to sixth education #7 refers to all remaining education loans ----------------------------------------------------------------------------- In what month and year was this loan taken out? About the largest loan, in what month and year was this loan taken out? About the next loan, in what month and year was this loan taken out? X7803(#1) Code month X7826(#2) 1. January X7849(#3) 2. February X7903(#4) 3. March X7926(#5) 4. April X7949(#6) 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X7804(#1) Code year (4 digits) X7827(#2) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7850(#3) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7904(#4) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7927(#5) X7802<6) X7950(#6) X7805(#1) How much was borrowed or financed, not counting the finance X7828(#2) charges? X7851(#3) X7905(#4) Code amount X7928(#5) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7951(#6) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6) X7806(#1) Are you paying on this loan now? X7829(#2) X7852(#3) 1. YES X7906(#4) 5. NO X7929(#5) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7952(#6) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6) X7173(#1) Are the payments on this loan deferred? X7174(#2) X7175(#3) 1. YES X7176(#4) 5. NO X7177(#5) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7178(#6) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/ X7806^=5;/X7929^=5/X7952^=5) When will you start paying on this loan? X7807(#1) Code month X7830(#2) 1. January X7853(#3) 2. February X7907(#4) 3. March X7930(#5) 4. April X7953(#6) 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/ X7806^=5;/X7929^=5/X7952^=5; payments not deferred: X7173^=1/X7174^=1/X7175^=1/X7176^=1/X7177^=1/X7178^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X7808(#1) Code year (4 digits) X7831(#2) 0. Inap. X7854(#3) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7908(#4) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7931(#5) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7954(#6) X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/ X7806^=5;/X7929^=5/X7952^=5; payments not deferred: X7173^=1/X7174^=1/X7175^=1/X7176^=1/X7177^=1/X7178^=1) X7809(#1) Is this loan accumulating interest which you will have to X7832(#2) pay? X7855(#3) X7909(#4) 1. YES X7932(#5) 5. NO X7955(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; paying on loan now: X7806^=5/X7829^=5/X7852^=5/ X7806^=5;/X7929^=5/X7952^=5; payments not deferred: X7173^=1/X7174^=1/X7175^=1/X7176^=1/X7177^=1/X7178^=1) When did you start paying on this loan? X7810(#1) Code month X7833(#2) 1. January X7856(#3) 2. February X7910(#4) 3. March X7933(#5) 4. April X7956(#6) 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X7811(#1) Code year X7834(#2) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7857(#3) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7911(#4) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7934(#5) X7802<6; not paying on loan now and payments deferred: X7957(#6) X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1) X7812(#1) Is this a regular installment loan where you pay a fixed X7835(#2) dollar amount each month for a fixed number of months until X7858(#3) the loan is repaid,or some other kind? X7912(#4) X7935(#5) 1. Regular Installment X7958(#6) 2 Other Kind 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1) How many monthly payments or years were agreed upon when the loan was received? X7813(#1) Code number of years X7836(#2) -1. No set number of years X7859(#3) -7. Unable to calculate from number of payments X7913(#4) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7936(#5) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7959(#6) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/ X7935^=1/X7958^=1); X7814(#1) Code number of payments X7837(#2) -1. No set number of payments X7860(#3) -7. Unable to calculate from number of years X7914(#4) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7937(#5) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7960(#6) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/ X7935^=1/X7958^=1); X9173(#1) Recode: term of loan in months X9174(#2) -1. No set number of years/payments X9175(#3) -7. Unable to calculate from number of years/payments X9176(#4) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X9177(#5) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X9178(#6) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/ X7935^=1/X7958^=1); ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X7815(#1) How much are the payments? X7838(#2) X7861(#3) Code amount X7915(#4) -1. Nothing X7938(#5) -2. No regular payment X7961(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/ X7935^=1/X7958^=1; no set number of payments: X7813=-1/ X7836=-1/X7859=-1/X7913=-1/X7936=-1/X7959=-1) X7816(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X7839(#2) And how often are they made? X7862(#3) X7916(#4) Code frequency X7939(#5) 2. Week X7962(#6) 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/ X7935^=1/X7958^=1; no set number of payments: X7813=-1/ X7836=-1/X7859=-1/X7913=-1/X7936=-1/X7959=-1) X7817(#1) What is the typical payment? X7840(#2) X7863(#3) Code amount X7917(#4) -1. Nothing X7940(#5) -2. No typical payment X7963(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; regular loan and regular payments: X7812=1 and X7815>0/ X7835=1 and X7838>0/X7858=1 and X7861>0/ X7912=1 and X7915>0/X7935=1 and X7938>0/X7958=1 and X7961>0) X7818(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X7841(#2) And how often is it made? X7864(#3) X7918(#4) Code frequency X7941(#5) 2. Week X7964(#6) 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 22. Varies -1. Nothing -2. No regular payment -7. Other 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; regular loan and regular payments: X7812=1 and X7815>0/ X7835=1 and X7838>0/X7858=1 and X7861>0/ X7912=1 and X7915>0/X7935=1 and X7938>0/X7958=1 and X7961>0) X7821(#1) Is this loan being paid off ahead of schedule, behind X7844(#2) schedule, or are the payments about on schedule? X7867(#3) X7921(#4) 1. On schedule X7944(#5) 2. Ahead of schedule X7967(#6) 3. Behind schedule 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; not a regular loan: X7812^=1/X7835^=1/X7858^=1/X7912^=1/ X7935^=1/X7958^=1; no set number of payments: X7813=-1/ X7836=-1/X7859=-1/X7913=-1/X7936=-1/X7959=-1) In what month and year do you expect this loan to be repaid? X7819(#1) Code month X7842(#2) 1. January X7865(#3) 2. February X7919(#4) 3. March X7942(#5) 4. April X7965(#6) 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; payments on schedule: X7821=1/X7844=1/X7867=1/X7921=1/ X7944=1/X7967=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X7820(#1) Code year (4 digit) X7843(#2) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7866(#3) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7920(#4) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7943(#5) X7802<6; not paying on loan now and payments deferred: X7966(#6) X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; payments on schedule: X7821=1/X7844=1/X7867=1/X7921=1/ X7944=1/X7967=1) X7822(#1) What is the current annual rate of interest being charged X7845(#2) on this loan? X7868(#3) X7922(#4) Code percent * 100 X7945(#5) -1. Nothing X7968(#6) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6; not paying on loan now and payments deferred: X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7806=5 & X7173=1/X7829=5 and X7174=1/X7852=5 and X7175=1/ X7906=5 & X7176=1/X7929=5 and X7177=1/X7952=5 and X7178=1; interest not accumulating: X7809=5/X7832=5/X7855=5/ X7909=5/X7932=5/X7955=5) X7823(#1) Please look at the Institutions Card. Is the loan with any X7846(#2) of the institutions on the Institutions Card, or from X7869(#3) someplace else? (IF INSTITUTIONS CARD: Which institution?) X7923(#4) (IF SOMEPLACE ELSE: What type of institution is that?) X7946(#5) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW X7969(#6) INSTITUTION IS MENTIONED AT THIS POINT.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6) X9203(#1) Recode: type of institution X9204(#2) X9205(#3) See MASTER INSTITIUTION LIST for other codes (See X308) X9206(#4) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X9207(#5) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X9208(#6) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6) X7824(#1) How much is still owed on this loan? X7847(#2) X7870(#3) Code amount X7924(#4) 0. Inap. (no education loans: X7801^=1/less than 2 loans; X7947(#5) X7802<2/less than 3 loans: X7802<3/less than 4 loans: X7970(#6) X7802<4/less than 5 loans: X7802<5/less than 6 loans: X7802<6) X7179(#7) How much in total is owed on all the remaining loans? Code amount 0. Inap. (no education loans: X7801^=1; less than 7 loans) X8440(#7) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no education loans: X7801^=1; did not break off early in grid) X7180(#7) How much in total are all the payments you are making on all the remaining loans? Code amount -1. Nothing -2. No regular payment 0. Inap. (no education loans: X7801^=1; less than 7 loans) X7181(#7) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no education loans: X7801^=1; less than 7 loans) X8441(#7) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount -1. Nothing -2. No regular payment 0. Inap. (no education loans: X7801^=1; did not break off early in grid) X8442(#7) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no education loans: X7801^=1; did not break off early in grid) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- OTHER CONSUMER LOANS ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- X7182 Now I want to ask you about the loans you have. Not counting credit cards or loans you have told me about in detail, do you owe any money or have any loans for any reason on this card (SHOW CARD 6)? These are loans for household appliances, furniture, hobby or recreational equipment, medical bills, loans from friends or relatives or other loans. Now I want to ask you about the loans you and anyone in your family living here have. Not counting credit cards or loans you have told me about in detail, do you or anyone in your family living here owe any money or have any loans for any reason on this card (SHOW CARD 6)? These are loans for household appliances, furniture, hobby or recreational equipment, medical bills, loans from friends or relatives or other loans. (DO NOT INCLUDE GIFTS FROM FAMILY MEMBERS YOU ARE NOT EXPECTED TO RE-PAY) 1. YES 5. NO NOTE: CARD 6 contains the following text in a vertical column: "Loans for household applicances, furniture," "Loans for hobby or recreational equipment," "Loans for medical bills," "Loans from friends or relatives," "Other loans or money owed." X2709 How many such loans do you have? Code number 0. Inap. (no such loans: X7182=5) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 7 ******************************************** X6694 Originally reported value of X2709 (see introduction) Code number 0. Inap. (no such loans: X7182=5) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 7 ******************************************** ----------------------------------------------------------------------------- #1 refers to first consumer loan #2 refers to second consumer loan #3 refers to third consumer loan #4 refers to fourth consumer loan #5 refers to fifth consumer loan #6 refers to sixth consumer loan #7 refers to all remaining consumer loans ----------------------------------------------------------------------------- X2710(#1) What was the loan for? X2727(#2) X2810(#3) What was the largest loan for? X2827(#4) X2910(#5) What was the next loan for? X2927(#6) See LOAN PURPOSE MASTER CODE LIST at X6723 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) In what month and year was this loan taken out? X2712(#1) Code month X2729(#2) 1. January X2812(#3) 2. February X2829(#4) 3. March X2912(#5) 4. April X2929(#6) 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X2713(#1) Code year (4 digits) X2730(#2) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ X2813(#3) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ X2830(#4) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) X2913(#5) X2930(#6) X2714(#1) How much was borrowed or financed, not counting the X2731(#2) finance charges? X2814(#3) X2831(#4) Code amount X2914(#5) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ X2931(#6) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) X2715(#1) Is this a regular installment loan where you pay a fixed X2732(#2) dollar amount each month for a fixed number of months until X2815(#3) the loan is repaid, or some other kind? X2832(#4) X2915(#5) 1. Regular Installment X2932(#6) 2. Other Kind 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) How many monthly payments or years were agreed upon when the loan was received? X2717(#1) Code number of years X2734(#2) -1. No set number of years X2817(#3) -7. Unable to calculate from number of payments X2834(#4) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ X2917(#5) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ X2934(#6) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6; not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/ X2915^=1/X2932^=1) X2716(#1) Code number of payments X2733(#2) -1. No set number of payments X2816(#3) -7. Unable to calculate from number of years X2833(#4) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ X2916(#5) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ X2933(#6) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6; not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/ X2915^=1/X2932^=1) X9167(#1) Recode: term of loan in months X9168(#2) -1. No set number of years/payments X9169(#3) -7. Unable to calculate from number of years/payments X9170(#4) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ X9171(#5) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ X9172(#6) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6; not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/ X2915^=1/X2932^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X2718(#1) How much are the payments? X2735(#2) X2818(#3) Code amount X2835(#4) -1. Nothing X2918(#5) -2. No typical payment X2935(#6) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6; not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/ X2915^=1/X2932^=1; no set number of payments: X2717=-1/ X2734=-1/X2817=-1/X2834=-1/X2917=-1/X2934=-1) X7527(#1) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X7526(#2) And how often are they due? X7525(#3) X7524(#4) Code frequency X7523(#5) 2. Week X7522(#6) 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6; not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/ X2915^=1/X2932^=1; no set number of payments: X2717=-1/ X2734=-1/X2817=-1/X2834=-1/X2917=-1/X2934=-1) X2719(#1) What is the typical payment? X2736(#2) X2819(#3) Code amount X2836(#4) -1. Nothing X2919(#5) -2. No typical payment X2936(#6) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6; regular loan and regular payments: X2715=1 and X2718>0/ X2732=1 and X2735>0/X2815=1 and X2818>0/X2832=1 and X2835>0/X2915=1 and X2918>0/X2932=1 and X2935>0) X2720(#2) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED X2737(#2) And how often is it made? X2820(#3) X2837(#4) Code frequency X2920(#5) 2. Week X2937(#6) 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly 22. Varies -1. Nothing -2. No regular payment -7. Other 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6; regular loan and regular payments: X2715=1 and X2718>0/ X2732=1 and X2735>0/X2815=1 and X2818>0/X2832=1 and X2835>0/X2915=1 and X2918>0/X2932=1 and X2935>0) X7521(#1) Is this loan being paid off ahead of schedule, behind X7520(#2) schedule, or are the payments about on schedule? X7519(#3) X7518(#4) 1. On schedule X7517(#5) 2. Ahead of schedule X7516(#6) 3. Behind schedule 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6; not a regular loan: X2715^=1/X2732^=1/X2815^=1/X2832^=1/ X2915^=1/X2932^=1; no regular payment: X2718<=0/ X2735<=0/X2818<=0/X2835<=0/X2918<=0/X2935<=0) In what month and year do you expect this loan to be repaid? X2721(#1) Code month X2738(#2) 1. January X2821(#3) 2. February X2838(#4) 3. March X2921(#5) 4. April X2938(#6) 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6; payments on schedule: X7521=1/X7520=1/X7519=1/X7518=1/ X7517=1/X7516=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X2722(#1) Code year X2739(#2) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ X2822(#3) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ X2839(#4) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6; X2922(#5) payments on schedule: X7521=1/X7520=1/X7519=1/X7518=1/ X2939(#6) X7517=1/X7516=1) X2723(#1) How much is still owed on this loan? X2740(#2) X2823(#3) Code amount X2840(#4) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ X2923(#5) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ X2940(#6) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) X2724(#1) What is the current annual rate of interest being charged X2741(#2) on this loan? X2824(#3) X2841(#4) Code percent * 100 X2924(#5) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ X2941(#6) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) X2725(#1) Please look at the Institutions Card. Is the loan with any X2742(#2) of the institutions on the Institutions Card, or from X2825(#3) someplace else? (IF INSTITUTIONS CARD: Which institution?) X2842(#4) (IF SOMEPLACE ELSE: What type of institution is that?) X2925(#5) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW X2942(#6) INSTITUTION IS MENTIONED AT THIS POINT.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) X9107(#1) Recode: type of institution X9108(#2) See MASTER INSTITIUTION LIST for other codes (See X308) X9109(#3) 0. Inap. (no such loans: X7182=5/fewer than 2 loans: X2709<2/ X9110(#4) fewer than 3 loans: X2709<3/fewer than 4 loans: X2709<4/ X9111(#5) fewer than 5 loans: X2709<5/fewer than 6 loans: X2709<6) X9112(#6) X7183(#7) How much in total is owed on all the remaining loans? Code amount 0. Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7) X8443(#7) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no such loans: X7182^=1; did not break off early in grid) X7184(#7) How much in total are all the payments you are making on all the remaining loans? Code amount -1. Nothing -2. No regular payment 0. Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7) X7185(#7) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no such loans: X7182=5; fewer than 7 loans: X2709<7) X8444(#7) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount -1. Nothing -2. No regular payment 0. Inap. (no such loans: X7182=5; did not break off early in grid) X8445(#7) INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no such loans: X7182=5; did not break off early in grid) ----------------------------------------------------------------------------- PAYMENTS ON SCHECULE ON ALL TYPES OF LOANS ----------------------------------------------------------------------------- X3004 Now thinking of all the various loan or mortgage payments you made during last year, were all the payments made the way they were scheduled, or were payments on any of the loans sometimes made later or missed? 1. All paid as scheduled or ahead of schedule 5. Sometimes got behind or missed payments 0. Inap. (no types of loans: ...... X3005 Were you ever behind in your payments by two months or more? 1. YES 5. NO 0. Inap. (no types of loans: ...... not late with payments: X3004=1) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- MISCELLANEOUS OPINION VARIABLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- (#1-#5 in order reported by R) X3006(#1) Now I'd like to ask you a few questions about your savings. X3007(#2) People have different reasons for saving, even though they X7513(#3) may not be saving all the time. What are your most X7514(#4) important reasons for saving? X7515(#5) Now I'd like to ask you a few questions about your family's savings. People have different reasons for saving, even though they may not be saving all the time. What are your family's most important reasons for saving? (Anything else?) 1. Children's education; education of grandchildren 2. Own education; spouse's education; education -- NA for whom 3. "For the children/family" -- NFS; "to help the kids out"; estate 5. Wedding, Bar Mitzvah, and other ceremonies (ex 17) 11. Buying own house (code summer cottage in 12) 12. Purchase of cottage or second home for own use 13. Buy a car, boat or other vehicle 14. Home improvements/repairs 15. To travel; take vacations; take other time off 16. Buy durable household goods, appliances, home furnishings; hobby items; for other purchases not codeable above or not further specifiec; "buy things when we need/want them"; moving/special occasions 17. Burial/funeral expenses 18. Charitable or religious contributions 21. Buying (investing in) own business/farm; equipment for business/farm 22. Retirement/old age 23. Reserves in case of unemployment 24. In case of illness; medical/dental expenses 25. Emergencies; "rainy days"; other unexpected needs; for "security" and independence 26. Investments reasons (to get interest, to be diversified, to buy other forms of assets) 27. To meet contractual commitments (debt repayment, insurance, taxes, etc.) to pay off house 28. "To get ahead;" for the future; to advance standard of living 29. Ordinary living expenses/bills 31. No reason (except 90, 91, 92) 90. Had extra income; saved becaused had the money left over -- no other purpose specified 91. Wise/prudent thing to do; good discipline to save; habit 92. Liquidity; to have cash available/on hand -1. Don't/can't save; "have no money" -7. Other X3010 In the next five to ten years, are there any foreseeable major expenses that you expect to have to pay for yourself, such as educational expenses, purchase of a new home, health care costs, support for other family members, or anything else? In the next five to ten years, are there any foreseeable major expenses that you and your family expect to have to pay for yourselves, such as educational expenses, purchase of a new home, health care costs, support for other family members, or anything else? 1. YES 5. NO (#1-#6 in order reported by R) X3011(#1) INTERVIEWER: SHOW CARD 7 X3012(#2) What kinds of obligations are these? X3013(#3) CODE ALL THAT APPLY X7512(#4) X7511(#5) 1. EDUCATION OF CHILDREN (incl. step and adopted); grandkids X6667(#6) 2. EDUCATION: OTHERS (incl. R & spouse) 3. HEALTH CARE: SELF/SPOUSE 4. HEALTH CARE: OTHERS (incl. elderly parents/disabled child) 5. Health care/medical expenses -- NA for whom 11. General support for R/spouse in Retirement or old age 12. General support for child/grandchild; 13. General support for parents 14. General support for others or NA for whom 21. Home purchase (incl. vacation home) 22. Purchase of car or other large durable goods 23. Burial expenses 24. Taxes 25. Home repairs/improvements 26. Weddings, vacations, moving and other special expenditures 31. Business/investment; start/expand own business 32. Divorce, legal expenses 33. Investment, major purchase 34. Charitable expense 41. Bills/living expenses --NFS -7. OTHER 0. Inap. (no expected major expenses: X3010^=1) NOTE: CARD 7 contains the following text in a vertical column: "Education for your children," "Education for others," "Future health care for self/spouse," "Health care for others," "Purchase of new home," "Other major financial obligation." X7186 Are you saving for these expenses now? Are you saving for this expense now? 1. YES 5. NO 0. Inap. (no expected major expenses: X3010^=1) X3008 INTERVIEWER: SHOW CARD 8 In planning your saving and spending, which of the time periods listed on this page is most important to you? In planning your family's saving and spending, which of the time periods listed on this page is most important to you and your (spouse/partner)? In planning your family's saving and spending, which of the time periods listed on this page is most important to you? 1. NEXT FEW MONTHS 2. NEXT YEAR 3. NEXT FEW YEARS 4. NEXT 5-10 YEARS 5. LONGER THAN 10 YEARS NOTE: CARD 8 contains the following text in a vertical column: "Next few months," " Next year," "Next 5 to 10 years," "Longer than 10 years." X3014 INTERVIEWER: SHOW CARD 9 Which of the statements on this page comes closest to the amount of financial risk that you and your (spouse/partner) are willing to take when you save or make investments? Which of the statements on this page comes closest to the amount of financial risk that you are willing to take when you save or make investments? INTERVIEWER: READ ANSWERS ONLY IF NECESSARY. IF MORE THAN ONE RESPONSE IS GIVEN USE THE FIRST CATEGORY THAT APPLIES. 1. TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN SUBSTANTIAL RETURNS 2. TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN ABOVE AVERAGE RETURNS 3. TAKE AVERAGE FINANCIAL RISKS EXPECTING TO EARN AVERAGE RETURNS 4. NOT WILLING TO TAKE ANY FINANCIAL RISKS NOTE: CARD 9 contains the following text in a vertical column: "Take substantial financial risks expecting to earn substantial returns," "Take above average financial risks expecting to earn above average returns," "Take average financial risks expecting to earn average returns," "Not willing to take any financial risks." INTERVIEWER: SHOW CARD 10 Which of the following statements on this page comes closest to describing your and your (spouse/partner)'s saving habits? Which of the following statements on this page comes closest to describing your saving habits? INTERVIEWER: DO NOT PROBE FOR MORE THAN ONE RESPONSE. ENTER MULTIPLE RESPONSES ONLY IF R VOLUNTEERS THEM X3015 DON'T SAVE - USUALLY SPEND MORE THAN INCOME X3016 DON'T SAVE - USUALLY SPEND ABOUT AS MUCH AS INCOME X3017 SAVE WHATEVER IS LEFT OVER AT THE END OF THE MONTH - NO REGULAR PLAN X3018 SAVE INCOME OF ONE FAMILY MEMBER, SPEND THE OTHER X3019 SPEND REGULAR INCOME, SAVE OTHER INCOME X3020 SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH 1. Checked 5. Not checked NOTE: CARD 10 contains the following text in a vertical column: "Don't save -- Usually spend more than income," "Don't save -- Usually spend about as much as income," "Save whatever is left over at the end of each month -- No regular plan," "Save income of one family member, spend the other," "Save regularly by putting money aside each month." X3023 INTERVIEWER: SHOW CARD 11 Looking at this card, how would you rate the retirement income you (receive or expect to receive) from Social Security and job pensions? 1. TOTALLY INADEQUATE 2. 3. ENOUGH TO MAINTAIN LIVING STANDARDS 4. 5. VERY SATISFACTORY X7510 Over the past year, would you say that your spending exceeded your income, that it was about the same as your income, or that you spent less than your income? Over the past year, would you say that your family's spending exceeded your family's income, that it was about the same as your income, or that you spent less than your income? (Spending should not include any investments you have made.) 1. SPENDING EXCEEDED INCOME 2. SPENDING EQUALLED INCOME 3. SPENDING WAS LESS THAN INCOME NOTE: CARD 11 contains the following information: The numbers 1 through 5 in a horizonal row bounded by dark lines. Below 1 is printed "Totally inadequate"; below 3 is printed "Enough to maintain standard"; and below 5 is printed "Very satisfactory." Nothing is printed below 2 and 4. X7509 Did any of that spending include purchases of a home or automobile or spending for any investments? 1. YES 5. NO 0. Inap. (spending less than income: X7510=3) X7508 Including only monthly payments on your house or car and leaving aside any spending on investments, over the past year, would you say that your spending exceeded your income, that it was about the same as your income, or that you spent less than your income? Including only monthly payments on your house or car and leaving aside any spending on investments, over the past year, would you say that your family's spending exceeded your family's income, that it was about the same as your income, or that you spent less than your income? 1. SPENDING EXCEEDED INCOME 2. SPENDING EQUALLED INCOME 3. SPENDING WAS LESS THAN INCOME 0. Inap. (spending less than or equal to income: X7510=2 or 3; spending did not include durables purchases: X7509^=1) X7507 To make up the difference, did you borrow additional money, did you spend out of savings or investments, or did you do something else? 1. BORROWED MONEY 2. SPENT OUT OF SAVINGS INVESTMENTS 3. Got behind on payments; didn't pay bills 4. Help from others 5. (Possible respondent error #1) Cut bock on expenses 6. (Possible respondent error #2) Got additional income -7. OTHER 0. Inap. (spending less than or equal to income) X7187 About how much do you think you need to have in savings for unanticipated emergencies and other unexpected things that may come up? About how much do you think you and your family need to have in savings for unanticipated emergencies and other unexpected things that may come up? Code amount -1. Nothing ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- FINANCIAL ASSETS (ALSO INCLUDES SOME MISC. ASSETS AND DEBTS) ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CHECKING ACCOUNTS ----------------------------------------------------------------------------- X3501 Now I'd like to ask about different types of financial assets that you might have. First, do you have any checking accounts at any type of institution? you might have. First, do you or anyone in your family living here have any checking accounts at any type of institution? PROBE: Please do not include any money market accounts unless you use them regularly as checking accounts. 1. YES 5. NO X3502 Have you ever had a checking account? Have you or anyone in your family living here ever had a checking account? 1. YES 5. NO 0. Inap. (R has a checking account: X3501=1) X3503 (SHOW CARD 12) Looking at this list, please tell me which is the most important reason you don't have a checking account. important reason your family doesn't have a checking account. 1. Don't write enough checks to make it worthwhile 2. Minimum balance is too high 3. Do not like dealing with banks 4. Service charges are too high 5. No bank has convenient hours or location 12. Checkbook has been/could be lost/stolen 13. Haven't gotten around to it 14. R has alternative source of checking services (MMA, MIA, etc) (does not include individuals who write checks for R) 15. R not allowed to have account (e.g., asset test for welfare) 20. R does not need/want a checking account (NEC) 21. Credit problems; bankruptcy; R does not meet depository's qualifications for having an account 95. Don't have (enough) money -1. Can't manage/balance a checking account -7. Other 0. Inap. (R has a checking account: X3501=1) NOTE: CARD 12 contains the following text in a vertical column: "Don't write enough checks to make it worthwhile," " Minimum balance too high," "Do not like dealing with banks," "Service charges too high," "No bank has convenient hours or location," "Some other reason." X3504 How many checking accounts do you have? How many checking accounts do you and your family living here have? (IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS ONLY IF THEY ARE USED AS CHECKING ACCOUNTS) Code number of accounts 0. Inap. (R has no checking account: X3501^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 10 ********************************************* X6695 Originally reported value of X3504 (see introduction) Code number of accounts 0. Inap. (R has no checking account: X3501^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 10 ********************************************* ----------------------------------------------------------------------------- #1 refers to the first checking account #2 refers to the second checking account #3 refers to the third checking account #4 refers to the fourth checking account #5 refers to the fifth checking account #6 refers to the sixth checking account #7 refers to the remaining checking accounts ----------------------------------------------------------------------------- X3505(#1) Please look at the Institutions Card. Thinking about your X3509(#2) checking account, is this account with any of the X3513(#3) institutions on the Institutions Card, or from someplace X3517(#4) else? (IF INSTITUTIONS CARD: Which institution?) (IF X3521(#5) SOMEPLACE ELSE: What type of institution is that?) X3525(#6) (INTERVIEWER: CHECK THE INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) Please look at the Institutions Card. Thinking about your main checking account, the one used to write most of your checks, is this account with any of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK THE INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) Please look at the Institutions Card. Thinking about the next account, is this account with any of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK THE INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (R has no checking account: X3501^=1/fewer than 2 accounts: X3504<2/fewer than 3 accounts: X3504<3/ fewer than 4 accounts: X3504<4/fewer than 5 accounts: X3504<5/fewer than 6 accounts: X3504<6) X9113(#1) Recode: type of institution X9114(#2) X9115(#3) See MASTER INSTITIUTION LIST for other codes (See X308) X9116(#4) 0. Inap. ( (R has no checking account: X3501^=1/fewer than X9117(#5) 2 accounts: X3504<2/fewer than 3 accounts: X3504<3/ X9118(#6) fewer than 4 accounts: X3504<4/fewer than 5 accounts: X3504<5/fewer than 6 accounts: X3504<6) X3506(#1) How much is in this account? (What was the average over the X3510(#2) last month?) X3514(#3) X3518(#4) Code amount X3522(#5) -1. Nothing X3526(#6) 0. Inap. ( (R has no checking account: X3501^=1/fewer than 2 accounts: X3504<2/fewer than 3 accounts: X3504<3/ fewer than 4 accounts: X3504<4/fewer than 5 accounts: X3504<5/fewer than 6 accounts: X3504<6) X3507(#1) Is this a money market-type account? X3511(#2) X3515(#3) 1. YES X3519(#4) 5. NO X3523(#5) 0. Inap. (R has no checking account: X3501^=1/fewer than X3527(#6) 2 accounts: X3504<2/fewer than 3 accounts: X3504<3/ fewer than 4 accounts: X3504<4/fewer than 5 accounts: X3504<5/fewer than 6 accounts: X3504<6) X7601(#1) Is this a joint checking account, or is the account in your X7603(#2) name, in your husband's name, or something else? X7605(#3) X7607(#4) Is this a joint checking account, or is the account in your X7609(#5) name, in your wife's name, or something else? X7611(#6) Is this a joint checking account, or is the account in your name, in your partner'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? 1. Joint account 2. R's account 3. Spouse's/partner's account 4. Other family member's account 5. Child only 6. Child and respondent or spouse 7. Other relative 8. Other relative with respondent or spouse 9. Unrelated person, NFS 10. Unrelated person with respondent or spouse 50. Trust account 51. Personal business account -7. Other 0. Inap. (R has no checking account: X3501^=1/fewer than 2 accounts: X3504<2/fewer than 3 accounts: X3504<3/ fewer than 4 accounts: X3504<4/fewer than 5 accounts: X3504<5/fewer than 6 accounts: X3504<6; R lives alone: X101=1) X3529(#7) How much is in all your remaining checking accounts? (What was the average over the last month?) How much is in all your family's remaining checking accounts? (What was the average over the last month?) Code amount -1. Nothing 0. Inap. (R has no checking account: X3501^=1; fewer than 7 accounts: X3504<7) X8446(#7) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no checking account: X3501^=1; did not break off early in grid) X3530 (SHOW CARD 13) Which of the reasons on this card is the most important reason you chose the institution that you did for your main checking account? Was it because of the location of their offices, because they had the lowest fees or minimum balance requirement, because you were able to obtain many services at one place, because they offered safety and an absence of risk, or some other reason? (SHOW CARD 13) Which of the reasons on this card is the most important reason your family living here chose the institution that you did for your main checking account? Was it because of the location of their offices, because they had the lowest fees or minimum balance requirement, because you were able to obtain many services at one place, because they offered safety and an absence of risk, or some other reason? 1. Recommended 2. High interest rates 3. Location of offices 4. Other business done here 5. Easy to qualify (for credit); only place that would give us a loan 6. Many services in one place 7. Low fees or service charge 8. Safety 9. Other convenience mentions/payroll deduction 11. Personal relationship; they know me; R/spouse works there; small institution 12. Staff qualifications 13. Bank bought by another institution 14. Always done business there; banked there a long time 23. Advertisement 24. Convenient hours 25. No particular reason 26. No other institutions 27. Gift for opening account; other promotion 28. Interest rates on deposits 29. Reputation 30. Unable to open an account at another instituions 31. Dissatisfaction with previous institution -7. Other 0. Inap. (R has no checking account: X3501^=1) NOTE: CARD 13 contains the following text in a vertical column: "Location of their offices," "Had the lowest fees or minimum balance requirement," "Able to obtain many services at one place," "Offered safety and absence of risk," "Some other reason." X3531 For how many years have you done business with this institution? For how many years has someone in your family living here done business with this institution? Code number of years -1. Less than a year 0. Inap. (R has no checking accounts: X3501^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 60 ******************************************** ----------------------------------------------------------------------------- IRA/KEOGH ACCOUNTS ----------------------------------------------------------------------------- X3601 Do you have any Individual Retirement Accounts, that is, IRA or Keogh accounts? Do you or anyone in your family here have any Individual Retirement Accounts, that is, IRA or Keogh accounts? 1. YES 5. NO ----------------------------------------------------------------------------- #1 refers to IRA/Keogh account of R #2 refers to IRA/Keogh account of spouse/partner #3 refers to IRA/Keogh account of other PEU member ----------------------------------------------------------------------------- X3602(#1) Are any of the IRA or Keogh accounts yours? X3612(#2) Does your spouse have IRA or Keogh accounts? Does your partner have IRA or Keogh accounts? X3622(#3) Do any other family members have IRA or Keogh accounts? 1. YES 5. NO (or: no spouse or partner in PEU: X107^=1/no other PEU members: (X113, X125, X131, X137, X207, X213, X219, X225)^=1) 0. Inap. (No IRA/Keogh accounts: X3601^=1) X3603(#1) How many IRA and Keogh accounts do you have? X3613(#2) How many IRA and Keogh accounts does your spouse have? How many IRA and Keogh accounts does your partner have? X3623(#3) How many IRA and Keogh accounts do your other family members have? Code number of accounts 0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: X113^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 5 ******************************************** About your (account, is this an/accounts, are these) IRA or Keogh account(s)? About your spouse's (account, is this an/accounts, are these) IRA or Keogh account(s)? About your partner's (account, is this/accounts, are these) IRA or Keogh account(s)? About your other family member's (account, is this/accounts, are these) IRA or Keogh(s)? X3604(#1) IRA X3614(#2) X3624(#3) X3605(#1) KEOGH X3615(#2) X3625(#3) 1. Checked 5. Not checked 0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: X113^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1; if only one account either IRA or KEOGH is inap.) X3610(#1) How much in total is in your [IRA(s)/Keogh account(s)/IRA X3620(#2) and Keogh accounts]? X3630(#3) How much in total is in your spouse's [IRA(s)/Keogh account(s)/IRA and Keogh accounts]? How much in total is in your partner's [IRA(s)/Keogh account(s)/IRA and Keogh accounts]? Code amount 0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: X113^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1) (#1): X3606 X3607 X3608 X3609 X7501 X6721 (#2): X3616 X3617 X3618 X3619 X7502 X6722 (#3): X3626 X3627 X3628 X3629 X7503 Please look at the Institutions Card. (Is this account/are these accounts) with any of the institutions on the Institutions Card, or from someplace else? (CODE ALL THAT APPLY.) (IF INSTITUTIONS CARD: Which institution(s)?) (IF SOMEPLACE ELSE: What type(s) of institution(s)? (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: X113^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1; at least one institution field must be filled out, but higher order fields may be inap.) (#1): X9119 X9120 X9121 X9122 X9209 X9223 (#2): X9123 X9124 X9125 X9126 X9210 X9224 (#3): X9127 X9128 X9129 X9130 X9211 Recode: type of institution See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (No IRA/Keogh accounts: X3601^=1; no IRA/Keoghs: X3601^=1/no spouse or partner in PEU: X107^=1/no other PEU members: X113^=1; person has no account: X3602^=1/ X3612^=1/X3622^=1; at least one institution field must be filled out, but higher order fields may be inap.) X3631 How is the money in (this/all of these) IRA and Keogh accounts(s) invested? Is most of it in CDs or other bank accounts, most of it in stocks, most of it in bonds or similar assets, or what? How is the money in (all) your family's IRA and Keogh account(s) invested? Is most of it in CDs or other bank accounts, most of it in stocks, most of it in bonds or similar assets, or what? 1. CDs/Bank accounts; "money market" 2. Stock; "mutal funds" 3. Bonds/Similar assets; T-Bills; treasury notes 4. Combinations of 1, 2, & 3 ; "mixed"/"diversified" -- NFS 5. Combiantion of 2 & 3 above 6. Combination of 1 & 2 above 11. Universal life policy or other similar insurance product 12. Annuity 13. Commodities 14. Real estate/mortgages 15. Limited partnership/other similar investment 16. Brokerage account/cash management account (CMA) -7. Other 0. Inap. (No IRA/Keogh accounts: X3601^=1) ----------------------------------------------------------------------------- MONEY MARKET ACCOUNTS ----------------------------------------------------------------------------- X3701 Not including any accounts I have already recorded, do you have any money market accounts? Not including any accounts I have already recorded, do you or anyone in your family here have any money market accounts? 1. YES 5. NO X3702 Altogether, how many of these money market accounts do you have? Altogether, how many of these money market accounts do you and your family living here have? Code number of accounts 0. Inap. (no money market accounts: X3701^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 10 ********************************************* X6696 Originally reported value of X3702 (see ingroduction) Code number of accounts 0. Inap. (no money market accounts: X3701^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 10 ********************************************* ----------------------------------------------------------------------------- #1 refers to the first money market account #2 refers to the second money market account #3 refers to the third money market account #4 refers to the remaining money market accounts ----------------------------------------------------------------------------- X3703(#1) Does this account have check-writing privileges? X3708(#2) X3713(#3) Does the largest account have check-writing privileges? Does the next largest account have check-writing privileges? 1. YES 5. NO 0. Inap. (no money market accounts: X3701^=1/fewer than 2 accounts: X3702<2/fewer than 3 account: X3702<3/fewer than 4 accounts: X3703<4) X3704(#1) Is this a tax-free money market account? X3709(#2) X3714(#3) 1. YES 5. NO 0. Inap. (no money market accounts: X3701^=1/fewer than 2 accounts: X3702<2/fewer than 3 account: X3702<3/fewer than 4 accounts: X3703<4) X3705(#1) Please look at the Institutions Card. Is this account with X3710(#2) any of the institutions on the Institutions Card, or from X3715(#3) someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no money market accounts: X3701^=1/fewer than 2 accounts: X3702<2/fewer than 3 account: X3702<3/fewer than 4 accounts: X3703<4) X9131(#1) Recode: type of institution X9132(#2) X9133(#3) See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no money market accounts: X3701^=1/fewer than 2 accounts: X3702<2/fewer than 3 account: X3702<3/fewer than 4 accounts: X3703<4) X3706(#1) How much is in this account? X3711(#2) X3716(#3) Code amount -1. Nothing 0. Inap. (no money market accounts: X3701^=1/fewer than 2 accounts: X3702<2/fewer than 3 account: X3702<3/fewer than 4 accounts: X3703<4) X7613(#1) Is this a joint money market account, or is the account in X7615(#2) your name, in your husband's name, or something else? X7617(#3) Is this a joint money market account, or is the account in your name, in your wife's name, or something else? Is this a joint money market account, or is the account in your name, in your partner's name, or something else? Is this money market account in your name or something else? Is this a joint money market account, or is the account in your name? 1. Joint account 2. R's account 3. Spouse's/partner's account 4. Other family member's account 5. Child only 6. Child and respondent or spouse 7. Other relative 8. Other relative with respondent or spouse 9. Unrelated person, NFS 10. Unrelated person with respondent or spouse 50. Trust account 51. Personal business account -7. Other 0. Inap. (no money market accounts: X3701^=1/fewer than 2 accounts: X3702<2/fewer than 3 account: X3702<3/fewer than 4 accounts: X3703<4; R lives alone: X101=1) X3718(#4) How much is in all your remaining money market accounts? How much is in all your family's remaining money market accounts? Code amount -1. Nothing 0. Inap. (no money market accounts: X3701^=1; fewer than 4 accounts: X3702<4) X8447(#4) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no money market accounts: X3701^=1; did not break off early in grid) ----------------------------------------------------------------------------- CERTIFICATES OF DEPOSIT ----------------------------------------------------------------------------- X3719 Not including CDs that are part of IRAs or Keoghs, do you have any CDs or certificates of deposit at financial institutions? Not including CDs that are part of IRAs or Keoghs, do you or anyone in your family here have any CDs or certificates of deposit at financial institutions? (IF R ASKS: CDs ARE CERTIFICATES HELD FOR A SET PERIOD OF TIME THAT MUST BE CASHED OR RENEWED AT THE MATURITY DATE.) 1. YES 5. NO X3720 Altogether, how many such CDs do you have? Altogether, how many such CDs do you and your family living here have? Code number 0. Inap. (no certificates of deposit: X3719^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 20 ********************************************* X3721 What is the total dollar value of all these CDs? What is the total dollar value of this CD? Code amount 0. Inap. (no certificates of deposit: X3719^=1) X3722 X3723 X3724 X3725 X7618 X6654 X6655 (Please look the at Institutions Card.) Is this CD with any of the institutions on the Institutions Card, or from someplace else? (CODE ALL THAT APPLY) (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) (Please look the at Institutions Card.) Are these CDs with any of the institutions on the Institutions Card, or from someplace else? (CODE ALL THAT APPLY) (IF INSTITUTIONS CARD: Which institutions?) (IF SOMEPLACE ELSE: What types of institutions?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no certificates of deposit: X3719^=1; if there are any CDs, the first field must be non-zero, but higher order fields may be inap.) X9134 X9135 X9136 X9137 X9214 X9217 X9218 Recode: type of institution See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no certificates of deposit: X3719^=1; if there are any CDs, the first field must be non-zero, but higher order fields may be inap.) X7620 Is this CD held jointly, or is it in your name, in your husband's name, or something else? Is this CD held jointly, or is it in your name, in your wife's name, or something else? Is this CD held jointly, or is it in your name, in your partner's name, or something else? Is this CD in your name or something else? Is this CD held jointly, or is it in your name? Is most of the money in these CDs held jointly, or is most of it in your name, in your husband's name, or something else? Is most of the money in these CDs held jointly, or is most of it in your name, in your wife's name, or something else? Is most of the money in these CDs held jointly, or is most of it in your name, in your partner's name, or something else? Is most of the money in these CDs in your name or something else? Is most of the money in these CDs held jointly, or is most of it in your name? 1. Joint account 2. R's account 3. Spouse's/partner's account 4. Other family member's account 5. Child only 6. Child and respondent or spouse 7. Other relative 8. Other relative with respondent or spouse 9. Unrelated person, NFS 10. Unrelated person with respondent or spouse 11. Equal amounts in R/spouse names 50. Trust account 51. Personal business account -7. Other 0. Inap. (no certificates of deposit: X3719^=1; R lives alone: X101=1) ----------------------------------------------------------------------------- SAVINGS ACCOUNTS ----------------------------------------------------------------------------- X3801 Do you have any other accounts at banks, savings and loan associations, or credit unions? These could be passbook accounts, share accounts, Christmas Club accounts, or any other type of savings account. Do you or anyone in your family living here have any other accounts at banks, savings and loan associations, or credit unions? These could be passbook accounts, share accounts, Christmas Club accounts, or any other type of savings account. 1. YES 5. NO X3802 How many such accounts do you have? How many such accounts do you and your family living here have? Code number of accounts 0. Inap. (no savings accoutnsL X3801^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 10 ******************************************** X6697 Originally reported value of X3802 (see introduction) Code number of accounts 0. Inap. (no savings accounts: X3801^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 10 ******************************************** ----------------------------------------------------------------------------- #1 refers to the first savings account #2 refers to the second savings account #3 refers to the third savings account #4 refers to the fourth savings account #5 refers to the fifth savings account #6 refers to the remaining savings accounts ----------------------------------------------------------------------------- X3803(#1) Please look at the Institutions Card. Is this account with X3806(#2) any of the institutions on the Institutions Card, or from X3809(#3) someplace else? (IF INSTITUTIONS CARD: Which institution?) X3812(#4) (IF SOMEPLACE ELSE: What type of institution is that?) X3815(#5) (INTERVIEWER: CHECK THE INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) Please look at the Institutions Card. Is the largest account with any of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK THE INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) Please look at the Institutions Card. Is the next largest account with any of the institutions on the Institutions Card, or from someplace else? (IF INSTITUTIONS CARD: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK THE INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no savings accounts: X3801^=1/fewer than 2 accounts: X3802<2/fewer than 3 account: X3802<3/fewer than 4 accounts: X3802<4/fewer than 5 accounts: X3802<5) X9138(#1) Recode: type of institution X9139(#2) X9140(#3) See MASTER INSTITIUTION LIST for other codes (See X308) X9141(#4) 0. Inap. (no savings accounts: X3801^=1/fewer than 2 X9142(#5) accounts: X3802<2/fewer than 3 account: X3802<3/fewer than 4 accounts: X3802<4/fewer than 5 accounts: X3802<5) X3804(#1) How much is in this account? X3807(#2) X3810(#3) Code amount X3813(#4) -1. Nothing X3816(#5) 0. Inap. (no savings accounts: X3801^=1/fewer than 2 accounts: X3802<2/fewer than 3 account: X3802<3/fewer than 4 accounts: X3802<4/fewer than 5 accounts: X3802<5) ***Many unresolved -7's as no verbatim responses were recorded X7622(#1) Is this a joint savings account, or is the account in your X7624(#2) name, in your husband's name, or something else? X7626(#3) X7628(#4) Is this a joint savings account, or is the account in your X7630(#5) name, in your wife's name, or something else? Is this a joint savings account, or is the account in your name, in your partner's name, or something else? Is this savings account in your name or something else? Is this a joint savings account, or is the account in your name? 1. Joint account 2. R's account 3. Spouse's/partner's account 4. Other family member's account 5. Child only 6. Child and respondent or spouse 7. Other relative 8. Other relative with respondent or spouse 9. Unrelated person, NFS 10. Unrelated person with respondent or spouse 50. Trust account 51. Personal business account -7. Other 0. Inap. (no savings accounts: X3801^=1/fewer than 2 accounts: X3802<2/fewer than 3 account: X3802<3/fewer than 4 accounts: X3802<4/fewer than 5 accounts: X3802<5) NOTE: program error on this question resulted in failure to capture verbatim responses to "other." X3818(#6) How much is in all your remaining savings accounts? (What was the average over the last month?) How much is in all your family's remaining savings accounts? (What was the average over the last month?) Code amount -1. Nothing 0. Inap. (no savings accounts: X3801^=1; fewer than 6 accounts: X3802<6) X8448(#6) Original value of remaining total for Rs who did not provide complete information within the grid structure (see introduction) Code amount 0. Inap. (no savings accounts: X3801^=1; did not break off early in grid) ----------------------------------------------------------------------------- MUTUAL FUNDS ----------------------------------------------------------------------------- X3819 Not including any pension-type, thrift-saving, 401K, or IRA/Keogh plans, do you have any shares in mutual funds? do you or anyone in your family here have any shares in mutual funds? 1. YES 5. NO X3821 I need to know what types of mutual funds you have. Do you have. . . Stock Funds? 1. YES 5. NO 0. Inap. (no mutual funds: X3819^=1) X3822 What is the total market value of all of the Stock Funds that you have? What is the total market value of all of the Stock Funds that you and your family living here have? Code amount 0. Inap. (no mutual funds: X3819^=1; no stock funds: X3821^=1) X3823 Do you have. . . Tax-Free Bond Funds? 1. YES 5. NO 0. Inap. (no mutual funds: X3819^=1) X3824 What is the total market value of all of the Tax-Free Bond Funds that you have? What is the total market value of all of the Tax-Free Bond Funds that you and your family living here have? Code amount 0. Inap. (no mutual funds: X3819^=1; no tax-free bond funds: X3823^=1) X3825 Do you have. . . Government or Government backed Bond Funds? 1. YES 5. NO 0. Inap. (no mutual funds: X3819^=1) X3826 What is the total market value of all of the Government or Government backed Bond Funds that you have? What is the total market value of all of the Government or Government backed bond funds that you and your family living here have? Code amount 0. Inap. (no mutual funds: X3819^=1; no government or government backed bond funds: X3825^=1) X3827 Do you have. . . Other Bond Funds? 1. YES 5. NO 0. Inap. (no mutual funds: X3819^=1) X3828 What is the total market value of all of the Other Bond Funds that you have? What is the total market value of all of the Other Bond Funds that you and your family living here have? Code amount 0. Inap. (no mutual funds: X3819^=1; no other bond funds: X3827^=1) X3829 Do you have. . . Combination funds or any other mutual funds? 1. YES 5. NO 0. Inap. (no mutual funds: X3819^=1) X3830 What is the total market value of all of the Combination funds or any other mutual funds that you have? What is the total market value of all of the Combination funds or any other mutual funds that you and your family living here have? Code amount 0. Inap. (no mutual funds: X3819^=1; no combination or other types of mutual funds: X3829^=1) If the R reported having a mutual fund (X3819=1) , but answered NO to having all types (X3821=5, X3823=5, X3825=5, X3827=5, and X3829=5), the the CAPI program asked what type of fund the R had and requested the total amount in mutual funds; based on the information provided, these funds were reclassified. If the R gave a missing value response to the value of all types of mutual funds that R reported having (J3821<90 and J3822>91, J3823<90 and J3824>91, J3825<90 and J3826>91, J3827<90 and J3828>91, and J3829<90 and J3830>91) then the total amount was asked. As in the cases where R broke off before completing a grid, this total amount was used as a constraint in the imputation of the individual components. X6704 What is the total market value of all of the mutual funds that you have? What is the total market value of all of the mutual funds that you and your family living here have? Code amount 0. Inap. (no mutual funds: X3819^=1; R either provided nonmissing responses for at least one of the relevant amounts for applicable types) X3820 In how many different mutual funds do you own shares? In how many different mutual funds does your family own shares? (INTERVIEWER: WE WANT THE NUMBER OF FUNDS, NOT THE NUMBER OF FUND MANAGEMENT COMPANIES.) Code number of plans 0. Inap. (no mutual funds: X3819^=1) ******************************************** FOR THE PUBLIC DATASET, TOP-CODED AT 25 ******************************************** X3831 Overall has there been a gain or loss in the value of all these mutual fund shares since you obtained them? Overall has there been a gain or loss in the value of all these mutual fund shares since you or someone in your family here obtained them? 1. Gain 3. Neither gain nor loss 5. Loss 0. Inap. (no mutual funds: X3819^=1) How much have they gained in value since they were obtained? X3832 Code percent gain * 100 -2. Virtually all 0. Inap. (no mutual funds: X3819^=1; no gain: X3831^=1) X3833 Code amount -2. Virtually all 0. Inap. (no mutual funds: X3819^=1; no gain: X3831^=1) How much have they lost in value since they were obtained? X3834 Code percent * 100 -2. Virtually all 0. Inap. (no mutual funds: X3819^=1; no loss: X3831^=5) X3835 Code amount -2. Virtually all 0. Inap. (no mutual funds: X3819^=1; no loss: X3831^=5) ----------------------------------------------------------------------------- SAVINGS BONDS ----------------------------------------------------------------------------- X3901 Do you have any U.S. government savings bonds? (THESE MAY BE CALLED SERIES EE OR HH. ONE WAY THEY CAN BE PURCHASED IS BY PAYROLL DEDUCTION.) Do you or anyone in your family here have any U.S. government savings bonds? (THESE MAY BE CALLED SERIES EE OR HH. ONE WAY THEY CAN BE PURCHASED IS BY PAYROLL DEDUCTION.) 1. YES 5. NO X3902 What is the total face value of all the savings bonds that you have? and your family have? Code amount 0. Inap. (no savings bonds: X3901^=1) ----------------------------------------------------------------------------- BONDS OTHER THAN SAVINGS BONDS ----------------------------------------------------------------------------- X3903 Not including any bonds or bills held in pension accounts or trusts, or in accounts I have already recorded, do you have any other corporate, municipal, government, or other type of bonds or bills? Not including any bonds or bills held in pension accounts or trusts, or in accounts I have already recorded, do you or anyone here have any other corporate, municipal, government, or other type of bonds or bills? 1. YES 5. NO X3905 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"? 1. YES 5. NO 0. Inap. (no bonds: X3903^=1) X3906 What is the face value of all of the Mortgage-backed bonds that you have? What is the face value of all of the Mortgage-backed bonds that you and your family living here have? Code amount 0. Inap. (no bonds: X3903^=1; no mortgage backed bonds: X3905^=1) X7635 What is the total market value? Code amount 0. Inap. (no bonds: X3903^=1; no mortgage backed bonds: X3905^=1) X3907 Do you have. . . U.S. Government bonds or Treasury bills? 1. YES 5. NO 0. Inap. (no bonds: X3903^=1) X3908 What is the face value of all of the U.S. Government bonds or Treasury bills that you have? What is the face value of all of the U.S. Government bonds or Treasury bills that you and your family living here have? Code amount 0. Inap. (no bonds: X3903^=1; no govenment bonds or bills: X3907^=1) X7636 What is the total market value? Code amount 0. Inap. (no bonds: X3903^=1; no govenment bonds or bills: X3907^=1) X3909 Do you have. . . State or municipal bonds, or other taxfree bonds? 1. YES 5. NO 0. Inap. (no bonds: X3903^=1) X3910 What is the face value of all of the State or municipal bonds, or other taxfree bonds that you have? What is the face value of all of the State or municipal bonds, or other taxfree bonds that you and your family living here have? Code amount 0. Inap. (no bonds: X3903^=1; no taxfree bonds: X3909^=1) X7637 What is the total market value? Code amount 0. Inap. (no bonds: X3903^=1; no taxfree bonds: X3909^=1) X7631 Do you have. . . Foreign bonds? 1. YES 5. NO 0. Inap. (no bonds: X3903^=1) X7633 What is the face value of all of the Foreign bonds that you have? What is the face value of all of the Foreign bonds that you and your family living here have? Code amount 0. Inap. (no bonds: X3903^=1; no foreign bonds: X7631^=1) X7638 What is the total market value? Code amount 0. Inap. (no bonds: X3903^=1; no foreign bonds: X7631^=1) X7632 Do you have. . . Corporate or any other type of bonds? 1. YES 5. NO 0. Inap. (no bonds: X3903^=1) X7634 What is the face value of all of the Corporate or any other type of bonds that you have? What is the face value of all of the Corporate or any other type of bonds that you and your family living here have? Code amount 0. Inap. (no bonds: X3903^=1; no corporate bonds: X7632^=1) X7639 What is the total market value? Code amount 0. Inap. (no bonds: X3903^=1; no corporate bonds: X7632^=1) If the R reported having some type of bonds (X3903=1) , but answered NO to having all types (X3905=5, X3907=5, X3909=5, X7631=5, and X7632=5), the the CAPI program asked what type of bond the R had and requested the total face and market value of all bonds; based on the information provided, these bonds were reclassified. If the R gave a missing value response to the face value of all types of bonds that R reported having (J3905<90 and J3906>91, J3907<90 and J3908>91, J3909<90 and J3910>91, J7631<90 and J7633>91, and J7632<90 and J7634>91) then the total face value was asked. As in the cases where R broke off before completing a grid, this total amount was used as a constraint in the imputation of the individual components. X6705 What is the face value of all of the bonds that you have? What is the face value of all of the bonds that you and your family living here have? Code amount 0. Inap. (no bonds: X3903^=1; R either provided nonmissing responses for at least one of the relevant amounts for applicable types) If the R reported having some type of bonds (X3903=1) , but answered NO to having all types (X3905=5, X3907=5, X3909=5, X7631=5, and X7632=5), the the CAPI program asked what type of bond the R had and requested the total face and market value of all bonds; based on the information provided, these bonds were reclassified. If the R gave a missing value response to the market value of all types of bonds that R reported having (J3905<90 and J7635>91, J3907<90 and J7636>91, J3909<90 and J7637>91, J7631<90 and J7638>91, and J7632<90 and J7639>91) then the total market value was asked. As in the cases where R broke off before completing a grid, this total amount was used as a constraint in the imputation of the individual components. X6706 What is the total market value? Code amount 0. Inap. (no bonds: X3903^=1; R either provided nonmissing responses for at least one of the relevant amounts for applicable types) X3904 How many different bonds or bills do you own? How many different bonds or bills do you or your family own? Code number 0. Inap. (no bonds: X3903^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 150 ********************************************* ----------------------------------------------------------------------------- PUBLICLY TRADED STOCK ----------------------------------------------------------------------------- X3913 Not including any stock held through mutual funds, pension accounts or trusts, or in accounts or businesses that I have already recorded, do you own any stock which is publicly traded? Not including any stock held through mutual funds, pension accounts or trusts, or in accounts or businesses that I have already recorded, do you or anyone in your family living here own any stock which is publicly traded? 1. YES 5. NO X3914 In how many different companies do you own stock? In how many different companies do you or your family living here own stock? Code number 0. Inap. (no stocks: X3913^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 150 ********************************************* X3915 What is the total market value of this stock? Code amount 0. Inap. (no stocks: X3913^=1) X3921 Of your publicly-traded stock, is any of it stock in a company where you work or have worked? Of your family's publicly-traded stock, is any of it stock in a company where you or anyone in your family living here work or have worked? 1. YES 5. NO 0. Inap. (no stocks: X3913^=1) X7191 Is this stock included in the totals you gave before? 1. YES 3. NO initially, but fixed in editing YES 0. Inap. (no stocks: X3913^=1; no stock in company where work: X3921^=1) X3922 What is the total market value of your stock in the company? Code amount 0. Inap. (no stocks: X3913^=1; no stock in company where work: X3921^=1) X7640 Of your stock, is any of it stock in a company headquartered outside of the United States? Of your family's stock, is any of it stock in a company headquartered outside of the United States? 1. YES 4. Yes, but included with company stock 5. NO 0. Inap. (no stocks: X3913^=1) X7192 Is this stock included in the totals you gave before? 1. YES 3. NO initially, but fixed in editing YES 0. Inap. (no stocks: X3913^=1; no foreign stock: X7640^=1) X7641 What is the total market value in dollars of this stock? Code amount 0. Inap. (no stocks: X3913^=1; no foreign stock: X7640^=1) X3916 Overall has there been a gain or loss in the value of this stock since you obtained it? Overall has there been a gain or loss in the value of all of your family's stock since you or someone in your family here obtained it? 1. Gain 3. Neither gain nor loss 5. Loss 0. Inap. (no stocks: X3913^=1) How much has it gained in value since it was obtained? X3917 Code percent * 100 -2. Virtually all 0. Inap. (no stocks: X3913^=1; no gain: X3916^=1) X3918 Code amount -2. Virtually all 0. Inap. (no stocks: X3913^=1; no gain: X3916^=1) How much has it lost in value since it was obtained? X3919 Code percent * 100 -2. Virtually all 0. Inap. (no stocks: X3913^=1; no loss: X3916^=5) X3920 Code amount -2. Virtually all 0. Inap. (no stocks: X3913^=1; no loss: X3916^=5) ----------------------------------------------------------------------------- BROKERAGE ACCOUNTS ----------------------------------------------------------------------------- X3923 Do you have a brokerage account for the purchase or sale of stocks and other securities? Do you or anyone in your family here have a brokerage account for the purchase or sale of stocks and other securities? 1. YES 5. NO X3924 X3925 X3926 X3927 X7642 X6668 X6669 Please look at the Institutions Card. (Is this/Are these) account(s) with any of the institutions on the Institutions Card, or from someplace else? (CODE ALL THAT APPLY.) (IF INSTITUTIONS CARD: Which institution(s)?) (IF SOMEPLACE ELSE: What type(s) of institution(s)?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no brokerage account: X3923^=1) X9143 X9144 X9145 X9146 X9212 X9219 X9220 Recode: type of institution See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no brokerage account: X3923^=1) Over the past year, about how many times did you buy or sell stocks or other securities through a broker? Over the past year, about how many times did you or anyone in your family living here buy or sell stocks or other securities through a broker? X3928 Code number -1. None 0. Inap. (no brokerage account: X3923^=1) ********************************************* FOR THE PUBLIC DATASET, TOP-CODED AT 300 ********************************************* X7193 Code frequency 1. DAILY 2. WEEKLY 3. Biweekly 4. MONTHLY 5. QUARTERLY 6. YEARLY 8. In total 11. Twice per year; every six months 12. Bimonthly 18. Hour 22. Varies 25. Over 2 years -1. None -7. OTHER 0. Inap. (no brokerage account: X3923^=1) X3929 Not including any accounts you've told me about, do you have a "cash" or "call money" account at a stock brokerage? Not including any accounts you've told me about, do you or anyone in your family living here have a "cash" or "call money" account at a stock brokerage? (IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY RECEIVED FROM THE SALE OF STOCK UNTIL THE MONEY IS REINVESTED.) 1. YES 5. NO 0. Inap. (no brokerage account: X3923^=1) X3930 What is the total dollar value of all the cash or call money accounts that you have? that you and your family living here have? Code amount -1. Nothing 0. Inap. (no brokerage account: X3923^=1; no call account: X3929^=1) X3931 Other than loans you have already told me about, do you have any margin loans at a stock brokerage? Other than loans you have already told me about, do you or anyone in your family living here have any margin loans at a stock brokerage? 1. YES 5. NO 0. Inap. (no brokerage account: X3923^=1) X7194 Did you tell me about this loan earlier? 1. YES 4. originaly reported YES, but no apparent match in data 5. NO 6. originally reported YES, partially recorded earlier 0. Inap. (no brokerage account: X3923^=1; no margin loan: X3931^=1) X7195 Which loan was that? 1. Credit Card 2. 1st Mortgage 3. 2nd Mortgage 4. Home Equity Loan 5. Line of Credit 6. Other Real Estate Loan 7. Other --> -7 8. vehicle loan 9. education loan 10. other "section I" loan 12. remodeling loan 13. More than one mortgage on principal residence 14. Combination of line of credit and other real estate loan 0. Inap. (no brokerage account: X3923^=1; no margin loan: X3931^=1; not reported earlier: X7194^=1 or 6) X3932 Altogether, what is the current balance on these margin loans? Code amount 0. Inap. (no brokerage account: X3923^=1; no margin loan: X3931^=1) ----------------------------------------------------------------------------- TRUSTS, ANNUITIES, AND MANAGED INVESTMENT ACCOUNTS ----------------------------------------------------------------------------- X3933 Not including pension-type accounts, or any assets that I have already recorded, do you receive income from or have assets in a trust, annuity, or managed investment account that you have not already told me about? Not including pension-type accounts, or any assets that I have already recorded, do you or anyone in your family here receive income from or have assets in a trust, annuity, or managed investment account that you have not already told me about? 1. YES 5. NO What are these; are they legal trusts, annuities, or managed investment accounts? (CODE ALL THAT APPLY) X3934 TRUSTS X3935 ANNUITIES X3936 MANAGED INVESTMENT ACCOUNTS X3937 OTHER 1. Checked 5. Not checked 10. Charitable remainder trust: does not include donor-advised funds where R has surrendered all benefit from the asset (X3937 only) 0. Inap. (no trusts, annuites or MIAs: X3933^=1) ********************************************* FOR THE PUBLIC DATASET, CHARITABLE REMAINDER TRUSTS ARE INCLUDED IN X3934 ********************************************* X3938 Are any of these set up so that you are legally entitled only to the income and do not have an equity interest? Are any of these set up so that you or your family living here are legally entitled only to the income and do not have an equity interest? 1. YES 5. NO 0. Inap. (no trusts, annuites or MIAs: X3933^=1) X3939 How much income did you receive from these income-only trusts, annuities, or accounts in 1994? How much income did your family living here receive from these income-only trusts, annuities, or accounts in 1994? Code amount 0. Inap. (no trusts, annuites or MIAs: X3933^=1; no income-only trusts: X3938^=1) X3940 Do you also have annuities, trusts, or managed investment accounts in which you have an equity interest? Do you or your family living here also have annuities, trusts, or managed investment accounts in which you or your family have an equity interest? 1. YES 5. NO 0. Inap. (no trusts, annuites or MIAs: X3933^=1; no income-only trusts: X3938^=1) X3942 What is the total dollar amount of your interest in these accounts? What is the total dollar amount of your family's interest in these accounts? What is the total dollar value of your interest in all annuities, trusts, or managed investment accounts? What is the total dollar value of your family's interest in all annuities, trusts, or managed investment accounts? Code amount 0. Inap. (no trusts, annuites or MIAs: X3933^=1; income-only trusts but no equity interest: X3938=1 and X3940=5) X3943 X3944 X3945 X3946 X7643 Who manages your trusts, annuities, or investment accounts,--is it any of the institutions on the Institutions Card, or are they managed by someone else? (CODE ALL THAT APPLY.) Who manages your family's trusts, annuities, or investment accounts,--is it any of the institutions on the Institutions Card, or are they managed by someone else? (CODE ALL THAT APPLY.) (IF INSTITUTIONS CARD: Which institution(s)?) (IF SOMEPLACE ELSE: What type of institution(s) or who manages them?) (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED.) 1. Institution 1 2. Institution 2 3. Institution 3 4. Institution 4 5. Institution 5 6. Institution 6 See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no trusts, annuites or MIAs: X3933^=1) X9147 X9148 X9149 X9150 X9213 Recode: type of institution See MASTER INSTITIUTION LIST for other codes (See X308) 0. Inap. (no trusts, annuites or MIAs: X3933^=1) X3947 How is the money in these trusts and managed accounts invested? Is most of it in stocks, most of it in bonds or other interest-earning assets, or what? 1. Stocks; "mutual fund" (except money market) 2. Bonds/Interest/CDs/Money Market 3. Real estate 5. Combination of 1 & 2; mutual funds and CD's 6. "Mixed"; "diversified" 7. Life insurance; fixed contract; annuities 8. Tangible assets other than real estate 9. Intangible assets, N.E.C. -7. Other ----------------------------------------------------------------------------- LIFE INSURANCE ----------------------------------------------------------------------------- X4001 Do you have any life insurance? Please include individual and group policies, but not accident insurance. Do you or anyone in your family living here have any life insurance? Please include individual and group policies, but not accident insurance. 1. YES 5. NO X4002 The 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 premimums are paid. Other names for types of cash value policies are "whole life" and "universal life." Are any of your policies individual term insurance? Are any of your family's policies individual term insurance? 1. YES 5. NO 0. Inap. (no life insurance: X4001^=1) X4003 What is the current face value of all the term life policies that you have? What is the current face value of all the term life policies that you and your family living here have? (THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH) Code amount 0. Inap. (no life insurance: X4001^=1; no term insurance: X4002^=1) X4004 Do you have any policies that build up a cash value or that you can borrow on? (IF R ASKS: THESE ARE SOMETIMES CALLED "WHOLE LIFE" OR "STRAIGHT LIFE".) 1. YES 5. NO 0. Inap. (no life insurance: X4001^=1) X4005 What is the current face value of all of the policies that build up a cash value that you have? (THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH.) What is the current face value of all of the policies that build up a cash value that you and your family living here have? (THE FACE VALUE OF A POLICY IS WHAT THE POLICY WOULD PAY IN THE EVENT OF DEATH.) Code amount 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1) X4006 What is the total cash value of these policies? (THE CASH VALUE OF A POLICY IS WHAT THE INSURANCE COMPANY WOULD PAY IF THE POLICY WERE SURRENDERED BEFORE DEATH.) Code amount -1. Nothing 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1) X4007 Are you borrowing against these policies? Are you or your family borrowing against these policies? 1. YES 5. NO 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; cash value=0; X4006=-1) X4008 Is 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? 1. Net 2. Gross 3. Originally reported net, but edited gross 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0: X4006=-1) X4009 Did I record these loans earlier in the interview? 1. YES 5. NO 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0: X4006=-1) X7645 Where did you tell me about these loans? 1. Credit Card 2. 1st Mortgage 3. 2nd Mortgage 4. Home Equity Loan 5. Line of Credit 6. Other Real Estate Loan -7. Other 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0: X4006=-1; loan not reported earlier: X4009^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X8175 Recode: Link code for loan mentioned earlier 1. X415 2. X416 3. X717 4. X418 5. X7500 6. X6648 7. X6649 8. X6720 9. X817 10. X917 11. X1017 12. X1046 13. X1112 14. X1123 15. X1134 16. X1217 17. X1728 18. X1828 19. X1928 20. X2220 21. X2320 22. X2420 23. X7171 24. X2521 25. X2621 26. X7823 27. X7846 28. X7869 29. X7923 30. X7946 31. X7969 32. X2725 33. X2742 34. X2825 35. X2842 36. X2925 37. X2942 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0: X4006=-1; loan not reported earlier: X4009^=1) X4010 How much is currently borrowed? Code amount 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0: X4006=-1) X4011 Typically how much are the payments on these loans? Code amount -1. Nothing -2. No typical payment 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0: X4006=-1) X4012 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only 11. Twice per year 12. Bimonthly -1. Nothing -2. No regular payment -7. Other 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0: X4006=-1) X4013 What is the current annual rate of interest being charged on these loans? Code percent * 100 -1. Nothing 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1; not borrowing on policy: X4007^=1; cash value=0: X4006=-1) X4014 How much are the premiums for these policies that build up a cash value? Code amount -1. Nothing -2. No typical payment 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1) X4015 INTERVIEWER: CODE WITHOUT ASKING IF ALREADY MENTIONED. And how often is that amount paid? Code frequency 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year 12. Bimonthly 21. Policy paid up -1. Nothing -2. No typical payment -7. Other 0. Inap. (no life insurance: X4001^=1; no cash value insurance: X4004^=1) If R reported having life insurance (X4001=1), but reports no term insurance (X4002=5) and no whole life insurance (X4004=5), then the CAPI program asked R the total face value of all types of life insurance. R might also have reported having term insurance, DK whether other insurance is whole life but still know the face value or the remaining insurance. If an amount was provided, it was used as a constraint on the imputation of the face value of term/cash value insurance. X4016 Other than this term insurance, what is the current face value of all the life insurance you own? What is the current face value of all the life insurance you own? Other than this term insurance, what is the current face value of all the life insurance you and your family living here own? What is the current face value of all the life insurance you and your family living here own? Code amount 0. Inap. (no life insurance: X4001^=1; whole life insurance: X4004=1; term insurance and not DK existence of whole life insurance: X4002=1 and J4004^=2050) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** ----------------------------------------------------------------------------- MISCELLANEOUS ASSETS AND DEBTS ----------------------------------------------------------------------------- X4017 We have talked about various types of savings, investments, and loans. Other than what I have already recorded, are you owed any money by friends, relatives outside the immediate family, businesses, or others? (WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS.) We have talked about various types of savings, investments, and loans. Other than what I have already recorded, are you or anyone in your family living here owed any money by friends, relatives outside the immediate family, businesses, or others? (WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS.) 1. YES 5. NO X4018 Altogether, how much are you owed? Code amount 0. (R not owed money: X4017^=1) X4019 Other than pension assets, do you 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? (DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING ACCOUNTS HERE.) Other than pension assets, do you or anyone in your family living here have any other substantial assets that I haven't already recorded -- for example, artwork, precious metals, antiques, oil and gas leases, futures contracts, future proceeds from a lawsuit or estate that is being settled, royalties, or something else? (DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING ACCOUNTS HERE.) 1. YES 5. NO ----------------------------------------------------------------------------- #1 refers to the first misc. asset #2 refers to the second misc. asset #3 refers to the third misc. asset ----------------------------------------------------------------------------- X4020(#1) About the most valuable of these .. X4024(#2) What kind of asset is it? X4028(#3) 1. Gold 2. Silver (incl. silverware) 3. Other metals or metals NA type 10. Jewelry; gem stones (incl. antique) 11. Cars (antique or classic) 12. Antiques; furniture 13. Art objects; paintings, sculpture, textile art, ceramic art, photographs 14. (Rare) books 15. Coin collections 16. Stamp collections 17. Guns 18. Real estate (exc. cemetery) 19. Cemetery plots 20. China; figurines; crystal/glassware 21. Musical instruments 22. Livestock; horses; crops 23. Oriental rugs 24. Furs 25. Other collections, incl. baseball cards, records, wine 61. Loans to friends/relatives 62. Other loans/debts owed to R 63. Cash, n.e.c. 64. Future proceeds from a lawsuit 65. Future proceeds from an estate 66. Deferred compensation 71. Oil/gas/mineral leases or investments 72. (Commodity) futures contracts 73. Royalties 74. Non-publicly traded stock 75. Computer 76. Equipment/tools, NEC 77. Future lottery/prize receipts 78. Association or exchange membership 79. Other obligations to R; tax credits -7. Other 0. Inap. (no misc. assets: X4019^=1; no further misc. assets) ****************************************************** FOR THE PUBLIC DATASET, CODES 14 AND 23 ARE COMBINED WITH 12; CODE 61 IS COMBINED WITH 62; CODE 65 IS COMBINED WITH 64; CODE 72 HAS BEEN COMBINED WITH CODE 71; CODES 77 AND 79 HAVE BEEN COMBINED WITH -7. ****************************************************** X4022(#1) What is the total dollar value that you have in X4026(#2) this asset? X4030(#3) What is the total dollar value that you and your family living here have in this asset? Code amount 0. Inap. (no misc. assets: X4019^=1/no second asset: X4023^=1/no third asset: X4027^=1) X4023(#2) Do you have any other such substantial assets? X4027(#3) 1. YES 5. NO 0. Inap. (no misc. assets: X4019^=1/no third asset: X4027^=1) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X4031 Do you owe any other money not recorded earlier? (WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS.) Do you or anyone in your family living here owe any other money not recorded earlier? (WE DO NOT WANT TO INCLUDE LOANS BETWEEN FINANCIALLY DEPENDENT FAMILY MEMBERS.) 1. YES 5. NO X4032 How much is owed? Code amount 0. Inap. (no misc. debts: X4031^=1) ----------------------------------------------------------------------------- ACCOUNTS IN FOREIGN CURRENCY ----------------------------------------------------------------------------- X7647 Thinking about all the accounts we have talked about, are any of the accounts you have told me about held in some currency other than U.S. dollars? 1. YES 5. NO ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- CURRENT MAIN JOB OF HEAD AND SPOUSE/PARTNER ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- #1 refers to current job information for head #2 refers to current job information for spouse/partner ----------------------------------------------------------------------------- X7196(#1) INTERVIEWER: IF SPOUSE/PARTNER IS PRESENT, TRY TO OBTAIN X7263(#2) EMPLOYMENT INFORMATION FROM (HIM/HER) DIRECTLY. INTERVIEWER: WHO IS PROVIDING EMPLOYMENT INFORMATION ABOUT THE RESPONDENT? 1. RESPONDENT 2. SPOUSE/PARTNER 3. Case was a breakoff/data missing because of iwer/CAPI error 0. Inap. (/no spouse) (#1) X6670 X6671 X6672 X6673 X6674 X6675 X6676 X6677 (#2) X6678 X6679 X6680 X6681 X6682 X6683 X6684 X6685 We are interested in your (spouse's/partner's) present job status. (Are you/Is [he/she]) working now, temporarily laid off, unemployed and looking for work, disabled and unable to work, retired, a student, a homemaker, or what? CODE ALL THAT APPLY (SHOW CARD 14) 1. Working now or on strike 2. Temporarily laid off - on sick or other leave; seasonal work and not working now 3. Unemployed and looking for work 4. Student 5. Homemaker 6. Disabled 7. Retired 10. Unpaid volunteer -7. Other 0. Inap. (no further instances; for R at least the first field must be filled out/no spouse or no further instances beyond the first field) NOTE: CARD 14 contains the following text in a vertical column: "Working now or on strike," "Temporarily laid off; on sick leave or other type of leave," "Unemployed and looking for work," "Student," "Homemaker," "Disabled," "Retired," "Other." X4101(#1) (Do you/Does [he/she]) expect to go back to this job? X4701(#2) 1. YES 5. NO 0. Inap. (not laid off: X6670-X6677^=2/X6678-X6685^=2;/ no spouse) X4102(#1) When did (you/he/she) last work on this job? X4702(#2) Code month 1. January 2. February 3. March 4. April 5. May 6. June 7. July 8. August 9. September 10. October 11. November 12. December 0. Inap. (not laid off: X6670-X6677^=2/X6678-X6685^=2;/ no spouse) ****************************************** NOT INCLUDED IN THE PUBLIC DATASET ****************************************** X4103(#1) Code year (4 digits) X4703(#2) 0. Inap. (not laid off: X6670-X6677^=2/X6678-X6685^=2;/ no spouse) When did (you/your spouse/partner) become disabled? When did (you/your spouse/partner) retire? X4104(#1) Code year (4 digits) X4704(#2) 0. Inap. (not retired or disabled: X6670-X6677^=6 or 7/ X6678-X6685^=6 or 7;/no spouse) X7197(#1) Code a