CODEBOOK FOR 1992 SCF ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Survey of Consumer Finances Board of Governors of the Federal Reserve System Mail Stop 153 Washington, DC 20551 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- To: Users of this tape From: Arthur Kennickell, SCF Project Director Date: September 20, 1999 Subject: Description of the Final Release of the 1992 SCF ----------------------------------------------------------------------------- This codebook serves as the authoritative guide to the variables included on the final public version of the 1992 SCF dataset. However, not every variable included in this codebook is actually in the public use dataset. Among other things, the dataset does NOT include most variables related to the sample design, details of geography, or the 3-digit industry and occupation codes. The authoritative list of the variables included is given at the end of this documentation. Please consult that list to determine whether a given variable is available to you. For a general overview of the findings of the 1992 SCF, see Arthur Kennickell and Martha Starr-McCluer, "Changes in Family Finances from 1989 to 1992: Evidence from the Survey of Consumer Finances," Federal Reserve Bulletin, October 1994. In addition to this file, the full public dataset consists of three other pieces. The main dataset, which contains most of the survey variables, is a 374 megabyte file (stored as a SAS transport file). A file of of 32 megabytes contains 999 replicate weights and multiplicity factors intended to be used for variance estimation. Other documentation is available from http://www.federalreserve.gov/pubs/oss/oss2/92/scf92home.html. The main data values are stored using variable names corresponding to the numbers given in the codebook below prefixed by an "X." We have tried, insofar as it was possible, to retain the variable numbering system used for the 1989 SCF. Each of these variables in the main dataset has a "shadow" variable that describes--in almost all cases--the original state of the variable (i.e., whether it was missing for some reason, a range response was given, etc.). An exception is reported values which have been imputed or otherwise altered to protect the privacy of respondents (see below). Such values are not flagged in any systematic way. Users who so desire may use the shadow variables to restore the data to something very close to their original condition. The shadow variables have the same numbers as the main variable, but have a prefix of "J." A list of the values taken by the shadow variables follows: ----------------------------------------------------------------------------- Definitions of the "J" Variables (1992 version) 0 = value reported on original tape (possibly altered during editing, but no evidence on problem sheets to this effect -- NOTE: problem sheet information is not comprehensive). 1 = question is inapplicable for R (e.g., R has no checking account so value of checking account is coded as zero -- NOTE: there are no zeros in the dataset other than such values). 2 = data moved from another location (not including re-arranging columns in a grid); data moved from another location and added to data already at new location (e.g., wage income from spouse reported in independent adult part of section Y added to data reported for R in Section T). 3 = data provided for a question with a branch structure, but not known which branch data should be in (e.g., AGI given, but filing status unknown). 4 = evidence that data imputed from marginal notes. 8 = recode of survey variables, no missing values in antecedents. 9 = recode of survey variables, insufficient data collected to compute value, not imputed. 10 = part of reported value reported elsewhere and edited out here (e.g., wage income of NPEU member also reported at X5701 along with income of PEU resulting in J5702=10) or entire reported value reported elsewhere and edited out here (e.g., all of wage income of NPEU member reported at X5701 resulting in X5701=5, J5701=10, X5702=0 and J5702=14). 12 = in case of regular installment loans where term is DK, non-missing typical payment moved to monthly payment section. 13 = coded value overridden after editing completed 14 = value set to inap given hard-code decision (12, 13 or 15) 15 = hard-coded imputation determined during cleaning. 16 = other reassignment resulting from cleaning that overrides reported data (e.g., the cleaning of the institutions grid in Section A). 17 = value of originally missing data item implied by other variable(s). 24 = Range Card response: A. $1 to $100 25 = Range Card response: B. $101 to $500 26 = Range Card response: C. $501 to $750 27 = Range Card response: D. $751 to $1,000 28 = Range Card response: E. $1,001 to $2,500 29 = Range Card response: F. $2,500 to $5,000 30 = Range Card response: G. $5,001 to $7,500 31 = Range Card response: H. $7,501 to $10,000 32 = Range Card response: I. $10,001 to $25,000 33 = Range Card response: J. $25,001 to $50,000 34 = Range Card response: K. $50,001 to $75,001 35 = Range Card response: L. $75,001 to $100,000 36 = Range Card response: M. $100,001 to $250,000 37 = Range Card response: N. $250,001 to $1,000,000 38 = Range Card response: O. $1,000,001 to $5,000,000 39 = Range Card response: P. $5,000,001 to $10,000,000 40 = Range Card response: Q. $10,000,001 to $25,000,000 41 = Range Card response: R. $25,000,001 to $50,000,000 42 = Range Card response: S. $50,000,001 to $100,000,000 43 = Range Card response: T. More than $100,000,000 44 = Range Card response < 0: A. -$1 to -$100 45 = Range Card response < 0: B. -$101 to -$500 46 = Range Card response < 0: C. -$501 to -$750 47 = Range Card response < 0: D. -$751 to -$1,000 48 = Range Card response < 0: E. -$1,001 to -$2,500 49 = Range Card response < 0: F. -$2,500 to -$5,000 50 = Range Card response < 0: G. -$5,001 to -$7,500 51 = Range Card response < 0: H. -$7,501 to -$10,000 52 = Range Card response < 0: I. -$10,001 to -$25,000 53 = Range Card response < 0: J. -$25,001 to -$50,000 54 = Range Card response < 0: K. -$50,001 to -$75,001 55 = Range Card response < 0: L. -$75,001 to -$100,000 56 = Range Card response < 0: M. -$100,001 to -$250,000 57 = Range Card response < 0: N. -$250,001 to -$1,000,000 58 = Range Card response < 0: O. -$1,000,001 to -$5,000,000 59 = Range Card response < 0: P. -$5,000,001 to -$10,000,000 60 = Range Card response < 0: Q. -$10,000,001 to -$25,000,000 61 = Range Card response < 0: R. -$25,000,001 to -$50,000,000 62 = Range Card response < 0: S. -$50,000,001 to -$100,000,000 63 = Range Card response < 0: T. Less than -$100,000,000 150 = original response was DK. 151 = original response was NA (includes refusals, interviewer errors, and missing data resulting from editing decisions). Does not include data missing as a result of missing higher-order questions. 152 = original response missing as a result of missing information for a higher-order question (typically a YES/NO cut question). In this case, the higher-order question has been imputed in such a way as to render response appropriate. 153 = refused 154 = some, DK how many (see B6). 160 = unresolved data problem (none should remain in final dataset). 179 = data missing because of questionnaire error, or data not collected 180 = recode variable, missing because data not collected for sub-group, data to be imputed. 181 = recode variable, some, but not all components originally missing. 182 = recode variable, all components originally missing. 188 = for property value, only assessed value given. 197 = override of reported information with (at least partially) imputed data (e.g., number/type of institution in Section A is overridden after imputation of institutions to account for new institutions). 198 = override of reported/inap. information (e.g., R says has 1 IRA, but 2 institution types reported; institution reference refers to Section A column, but column inap) -- value set to missing. 199 = used for absent spouse for J104 or J105 when X104 OR X105 < 0. General instructions for J variable coding for recoded variables: When a recoded variable is taken directly from another single X variable, it should have the same J variable code. When a recoded variable may come from a single variable in the original X variables, or as the result of a calculation based on some number of X variables, it is important to distinguish the information content in the J variables. When the value is taken directly, the J variable should have exactly the same value as that for the X variable's shadow J variable. When some calculation is involved, this should be reflected in the J variable -- codes 8, 181, and 182. When a recode cannot be computed because some part of the underlying information was not collected for some subset of cases, the recode's J variable should be coded 9 or 180. ----------------------------------------------------------------------------- The missing data in the survey have been imputed five times by drawing repeatedly from an estimate of the conditional distribution of the data. These imputations are stored in five replicates ("implicates") of each data record. Thus, the number of observations in the dataset (19,530) is five times the actual number of respondents (see below in the weight section of the codebook for a discussion of the use of these implicates). The imputation procedure is described in detail in "Imputation of the 1989 Survey of Consumer Finances: Multiple Imputation and Stochastic Relaxation", by Arthur Kennickell. For a general discussion of multiple imputation and its uses, see MULTIPLE IMPUTATION FOR NONRESONSE IN SURVEYS by Donald B. Rubin, John Wiley and Sons, 1987. The multiple imputations allow users to estimate the amount of uncertainty in estimates that is due to imputation. To do so, one could make a given estimate separately with each of the five implicates and compute the standard error of that estimate. For users who want to estimate only simple statistics such as means and medians ignoring imputation error, it will probably be sufficient to divide the weights by 5. Users who want to estimate more complex statistics, particularly regressions, should be cautious in their treatment of the implicates. Many regression packages will treat each of the five implicates as an independent observation and correspondingly inflate the reported significance of results. Users who want to calculate regression estimates, but who have no immediate use for proper significance tests, could either average the dependent and independent values across the implicates or multiply their standard errors by the square root of five. Users who use the SAS procedure PROC UNIVARIATE are warned that only the FREQ option will compute a weighted median--the WEIGHT option will not do so. Most of the data in the survey are for a subset of the household unit referred to as the "primary economic unit" (PEU). In brief, the PEU consists of an economically dominant single individual or couple (married or living as partners) in a household and all other individuals in the household who are financially dependent on that individual or couple. For example, in the case of a household composed of a married couple who own their home, a minor child, a dependent adult child, and a financially independent parent of one of the members of the couple, the PEU would be the couple and the two children. Summary information is collected at the end of the interview for all household members who are not included in the PEU. Throughout the codebook, we refer to the "head" of the household. The use of this term is euphemistic and merely reflects the systematic way in which the dataset is organized. The head is taken to be the single core individual in a PEU without a core couple. In a PEU with a central couple, the head is taken to be either the male in a mixed-sex couple or the older individual in the case of a same-sex couple. No judgment about the internal organization of the households is implied by this organization of the data. When the original respondent was someone other than the person determined to be the head in this sense, all data (including response codes) were systematically swapped with that person's spouse or partner. The variable X8000 indicates which cases have been subjected to such rearrangement. Because the SCF sample is not an equal-probability design, weights play a critical role in interpreting the survey data. The main dataset also contains the final nonresponse-adjusted sampling weights. These weights are intended to compensate for unequal probabilities of selection in the original design and for unit nonresponse (failure to obtain an interview). The weight (X42001) is a partially design-based weight constructed at the Federal Reserve using original selection probabilities and frame information along with aggregate control totals estimated from the Current Population Survey. The population defined by the weights for *each implicate* (see above) is 95.9 million households. This weight is a relatively minor revision of the consistent weight series (X42000) maintained for the SCFs beginning with 1989 (For a detailed discussion of these weights, see "Consistent Weight Design for the 1989, 1992, and 1995 SCFs and the Distribution of Wealth," by Arthur B. Kennickell and R. Louise Woodburn, Review of Income and Wealth, Series 45, Number 2, June 1999, pp. 193-215 or the longer version given on the SCF web site at http://www.federalreserve.gov/pubs/oss/oss2/method.html). The nature of the revisions to the consistent weights is described in "Revisions to the SCF Weighting Methodology: Accounting for Race/Ethnicity and Homeownership," by Arthur Kennickell (see SCF web site). A version of the revised weight has been computed for all the surveys beginning with 1989, and this variable has been added to the public versions of the SCF datasets. A file of associated replicate weights has also been added. Users should be aware that the sum of each of the weights over all sample cases and imputation replicates is equal to five times the number of households in the sample universe. The original weight first released with the 1992 data (X41000) follows the design of the consistent weights exactly. However, because there have been some minor changes in the data since the original release of the final data, the weights changed slightly when the consistent weights were reestimated as a group. The original weights are retained in the dataset for historical reasons. Although the weights should produce reliable results at the level of broad aggregates (e.g., net worth and income), it is important to remember that many of the variables collected in the SCF are highly skewed in their distribution and that many such variables will apply to only a relatively small fraction of the sample. In the SCF group at the Federal Reserve, we routinely review our calculations for the presence of overly-influential outliers, and robust techniques are applied when appropriate. We encourage other users to exercise similar care in analyzing the data. Because we are unable to give users any sample information about cases in the dataset, they will be unable on their own to compute reasonable estimates of the sampling variances of their estimates. To facilitate such estimation, we have included a file of replicate weights and multiplicity factors corresponding to X42001. Using detailed information about the original sample design, we selected 999 sample replicates from the final set of completed cases in a way intended to capture the important dimensions of sample variation (See Arthur Kennickell, Douglas McManus and Louise Woodburn, "Weighting design for the 1992 Survey of Consumer Finances" for details). For each survey case and each replicate, the file contains a weight and the number of times the case was selected in the replicate. We computed weights for each replicate using exactly the same procedures we used for the main weights. Replicate weights were computed only for the first implicate of each case. For most purposes, users will probably want to multiply the weight times the multiplicity: in all cases the sum of the weights times the multiplicities equals the total number of households. To estimate the sampling variance of the mean of family income, for example, a user would estimate the mean 999 times using the replicate weights and compute the standard error of that estimate. An estimate of the standard error due to these two sources is given by the square root of the sum of the estimated sampling variance and 6/5 times the imputation variance. The replicate weights associated with this release of the data were recomputed along with the main weight to ensure consistency with the 1989 and 1995 SCFs. The ordering of the variables in the codebook often differs from that in the original questionnaire. For example, all installment debt questions are in one place in the codebook, but were asked throughout the questionnaire. In some other cases, two sets of questions that requested the same information of different populations have been merged (e.g., lines of credit for homeowners and non-homeowners were originally asked separately, but have been merged in a single set of variables here). With the exception of a few variables (e.g., marital history, where the complex underlying questions have been recoded into a standard format), the original questions appear in the codebook with the appropriate variable numbers. Because question ordering is important in understanding the effective meaning of many questions, users of the data are encouraged to consult the copy of the questionnaire included here for a precise guide to where and how the underlying questions were asked. We have not made an effort to include summary variables (e.g., net worth) in the dataset. Although it is complicated to construct such variables, it is our belief that a substantial amount of judgment is involved in selecting which variables to include, and that analysts should make their own decisions. However, at the end of this file, we have included code to compute net worth according to our routine definitions. To protect the privacy of individual respondents, the data in this release have have been systematically altered by several means to minimize the possibility of identifying any survey respondent. For some discrete variables, small or unusual cells were collapsed as noted in the variable descriptions below. Continuous variables were rounded. Data were also blurred by other unspecified means. In addition, a number of other cases were identified for more extensive treatment. Some of these cases were selected on the basis of extreme or unusual data values. Other cases were selected at random. For each of these cases, a selection of critical variables was set to missing and statistically imputed subject to constraints designed to ensure that any distortions induced in key population statistics would be minimal. The geographic identifiers included here have been systematically altered for a subset of respondents by swapping their locations with those of otherwise similar respondents. It is important to note that aside from the cell collapsing, there is no key in this codebook or in the dataset that would allow users to identify directly either which data items have been smoothed or otherwise altered, or which cases were selected for imputation of critical values (that is, the shadow variables in this dataset may not always reflect the true original status of every variable). Although this blurring of the data will have some effect on analysis, that effect should be negligible in almost every case. For further details on the procedures taken to protect the identity of respondents, see "Disclosure review and its implications for the 1992 Survey of Consumer Finances", Gerhard Fries Barry Johnson and R. Louise Woodburn. Users who feel that the restrictions imposed on the public dataset are too constricting are encouraged to submit written proposals for expanded data release, and those requests will be given serious consideration in the release of data from future surveys. Under the original numbering system (XX1), the sample design is apparent from the identification numbers. Thus, each case included in the public version of the dataset has been given an identification number (YY1), which is intended to mask the knowledge of which cases were drawn from the SCF list sample. It is not possible to know with certainty from the information provided in the public version of this dataset which cases derive from the list sample. Because we routinely use the original numbers internally, users who direct questions to us about specific cases might want to be sure to emphasize that they are using the external ID number to avoid confusion. We have spent many hours searching for errors in the data. Many seeming inconsistencies are actually in the raw data and appear to have no obvious reconciliation (most prominently the fact that X5729-- total income--is not always equal to the sum of the income components). Other types of inconsistencies may have been induced as a byproduct of imputation, even though elaborate checks are built into the imputation routines. We ask our colleagues who use this dataset to help us find the remaining resolvable inconsistencies. Our presumptions is always that the respondent understood each question and reported accurately, and that the process of transcription and coding did not distort that information. In the relatively small number of cases where other information led us beyond a reasonable doubt of the validity of the data, we have changed data, either by altering that value directly or by setting it to missing and imputing it. It is likely that some users will have trouble understanding the organization of the data at first. If after having framed a focused question and exhausted all of your local resources your problem persists, you may call Gerhard Fries at ((202) 452-2578 or e-mail m1gxf00@frb.gov) or me ((202)-452-2247 or e-mail m1abk00@frb.gov)). We prefer correspondence via e-mail. While we would like to be helpful to you, please realize that we have very limited resources to devote to user services. We hope that by persistence, you will almost always be able to figure out what you need by consulting the questionnaire and the codebook below. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- LIST OF VARIABLES ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- IMPORTANT NOTE: not all variables listed below appear in the public use dataset -- see list of included variables near the end of this file. ***************************************************************************** SAS CODE for rounding of dollar amounts * rounding dollar amounts; ARRAY AMT {*} X412-X414 X420 X421 X423 X424 X426 X427 X429 X430 X505 X510 X513 X518 X521 X526 X602 X604 X607 X612 X614 X617 X619 X623 X627 X631 X635 X703 X708 X716 X717 X721 X804 X805 X808 X812 X813 X904 X905 X908 X912 X913 X1004 X1005 X1008 X1012 X1013 X1035 X1039 X1040 X1044 X1104 X1108 X1109 X1115 X1119 X1120 X1126 X1130 X1131 X1136 X1202 X1206 X1210 X1211 X1215 X1219 X1220 X1224 X1405 X1408-X1410 X1415 X1417 X1505 X1508-X1510 X1515 X1517 X1605 X1608-X1610 X1615 X1617 X1619 X1621 X1706 X1709 X1714 X1715 X1718 X1722 X1723 X1730 X1806 X1809 X1814 X1815 X1818 X1822 X1823 X1830 X1906 X1909 X1914 X1915 X1918 X1922 X1923 X1930 X2002 X2003 X2006 X2007 X2010 X2012 X2013 X2016 X2017 X2020 X2105 X2112 X2117 X2209 X2213 X2214 X2218 X2309 X2313 X2314 X2318 X2409 X2413 X2414 X2418 X2422 X2424 X2425 X2506 X2510 X2514 X2515 X2519 X2606 X2610 X2614 X2615 X2619 X2623 X2625 X2626 X2714 X2718 X2719 X2723 X2731 X2735 X2736 X2740 X2814 X2818 X2819 X2823 X2831 X2835 X2836 X2840 X2914 X2918 X2919 X2923 X2931 X2935 X2936 X2940 X3121 X3124 X3126 X3129-X3132 X3221 X3224 X3226 X3229-X3232 X3321 X3324 X3326 X3329-X3332 X3335-X3337 X3408-X3410 X3412-X3414 X3416-X3418 X3420-X3422 X3424-X3426 X3428-X3430 X3506 X3510 X3514 X3518 X3522 X3526 X3529 X3610 X3620 X3630 X3706 X3711 X3716 X3718 X3721 X3804 X3807 X3810 X3813 X3816 X3818 X3822 X3824 X3826 X3828 X3830 X3833 X3835 X3902 X3906 X3908 X3910 X3915 X3918 X3920 X3922 X3930 X3932 X3939 X3942 X4003 X4005 X4006 X4010 X4011 X4014 X4018 X4022 X4026 X4030 X4032 X4112 X4131 X4204 X4207 X4210 X4214 X4220 X4224 X4226 X4229 X4304 X4307 X4310 X4314 X4320 X4324 X4326 X4329 X4404 X4407 X4410 X4414 X4420 X4424 X4426 X4429 X4436 X4509 X4520 X4532 X4540 X4605 X4613 X5306 X5311 X5318 X5326 X5334 X5418 X5426 X5434 X5504 X5507 X5510 X5513 X5516 X5604 X5608 X5612 X5616 X5620 X5624 X5628 X5632 X5636 X5640 X5644 X5648 X5702 X5704 X5706 X5708 X5710 X5712 X5714 X5716 X5718 X5720 X5722 X5724 X5726 X5729 X5732 X5734 X5751 X5804 X5809 X5814 X5818 X5821 X5823 X5926 X5928 X6403 X6415 X6418 X6421 X6432 X6436 X6437 X6439 X4712 X4731 X4804 X4807 X4810 X4814 X4820 X4824 X4826 X4829 X4904 X4907 X4910 X4914 X4920 X4924 X4926 X4929 X5004 X5007 X5010 X5014 X5020 X5024 X5026 X5029 X5036 X5109 X5120 X5132 X5140 X5205 X5213 X8163 X8164 X8166 X8167 X8168 X7575 X7805 X7828 X7851 X7815 X7838 X7861 X7817 X7840 X7863 X7824 X7847 X7870 X7905 X7928 X7951 X7915 X7938 X7961 X7917 X7940 X7963 X7924 X7947 X7970 X7633-X7639 X7641 X7651 X7652 X7666 X7697-X7699 X7724-X7726; DO I = 1 TO DIM(AMT); IF (0 < AMT{I} < 5) THEN AMT{I}=1; IF (5 <= AMT{I} < 1000) THEN DO; AMT{I}=MAX(1,ROUND(AMT{I},10)); END; IF (1000 <= AMT{I} < 10000) THEN DO; AMT{I}=ROUND(AMT{I},100); END; IF (10000 <= AMT{I} < 1000000) THEN DO; AMT{I}=ROUND(AMT{I},1000); END; IF (1000000 <= AMT{I}) THEN DO; AMT{I}=ROUND(AMT{I},10000); END; IF (-1000 <= AMT{I} < - 5) THEN DO; AMT{I}=ROUND(AMT{I},10); END; IF (-10000 <= AMT{I} < -1000) THEN DO; AMT{I}=ROUND(AMT{I},100); END; IF (-1000000 < AMT{I} < -10000) THEN DO; AMT{I}=ROUND(AMT{I},1000); END; IF .Z < AMT{I} <= -1000000 THEN AMT{I}=-1000000; END; An important exception to this rounding rule is amounts that were reported in an hourly frequency (e.g., X4112). If the hourly amount is greater than $25, then the above rounding rule applies. Otherwise, the amount is rounded to the nearest $.10. ***************************************************************************** !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ----------------------------------------------------------------------------- MISC. CONTROL FILE DATA AND WEIGHTS ----------------------------------------------------------------------------- YY1 Case ID for external users Y1 Equivalent for X1 for external users XX1 Internal case ID (4-digit) -- identical for all imputation replicates X1 Internal replicate ID number -- XX1*10 + imputation replicate number (1-5) 7591 Interviewer ID No. (4-digit) (entered from cover of quex) .N NA 2 Interviewer ID No. from SMS (more reliable than X7591) 30500 External ID number for interviewers created by assigning a random number to take the place of the original ID (created from X2). 30501 Field manager ID number from SMS 30502 External ID number for field managers created by assigning a random number to take the place of the original ID (created from X30501). 4 Day case logged in. 1-31 3 Month case logged in. 1. January (reinterviewed cases) 6. June 7. July 8. August 9. September 10. October 11. November 12. December (reinterviewed cases) 8095 Year case logged in 1992. 1993. 9 List sample indicator. 1. List sample case 0. Not list sample case ----------------------------------------------------------------------------- 30001 PSU number SELF-REPRESENTING PSU 301 New York, NY 302 Los Angeles, CA 303 Chicago, IL 304 Philadelphia, PA 305 Detroit, MI 306 San Francisco, CA 307 Washington, DC 308 Dallas-Ft. Worth, TX 309 Houston, TX 310 Boston, MA 311 Nassau-Suffolk, NY 312 St. Louis, MO 313 Pittsburgh, PA 314 Baltimore, MD 315 Minneapolis, MN 316 Atlanta, GA NONSELF-REPRESENTING PSU, SMSA 317 Buffalo, NY 318 Newark, NJ 319 Albany, NY 320 Providence, RI 321 New Haven, CT 322 Harrisburg, PA 323 Atlantic City, NJ 324 Manchester, NH 325 Cleveland, OH 326 Milwaukee, WI 327 Dayton, OH 328 Kansas City, MO 329 Des Moines, IA 330 Columbus, OH 331 Grand Rapids, MI 332 Fort Wayne, IN 333 Steubenville, OH 334 Saginaw, MI 335 Madison, WI 336 Birmingham, AL 337 Charleston, SC 338 Jackson, MS 339 Columbus, GA 340 Miami, FL 341 Tampa, FL 342 Jacksonville, FL 343 Lakeland, FL 344 McAllen, TX 345 Waco, TX 346 Johnson City, TN 347 Wheeling, WV 348 Oklahoma City, OK 349 Knoxville, TN 350 Richmond, VA 351 Charlotte, NC 352 San Diego, CA 353 Seattle, WA 354 Portland, OR 355 Denver, CO 356 Anaheim, CA 357 Riverside, CA 358 Fresno, CA 359 Eugene, OR 360 Phoenix, AZ 361 Provo, UT NONSELF-REPRESENTING PSU, NON-SMSA 362 Lawrence Co., PA 363 Schuyler Co., NY 364 Gardner, MA 365 Sanilac, MI 366 Starke, IN 367 Ramsey, ND 368 Phillips Co., KS 369 La Salle, IL 370 Mower, MN 371 Cape Girardeau, MO 372 Crenshaw, AL 373 Bulloch, GA 374 Vernon Pr., LA 375 Citrus Co., FL 376 Hale Co., TX 377 Monroe Co., AR 378 Bedford Co., TN 379 Nicholas Co., KY 380 Montgomery Co., VA 381 Robeson Co., NC 382 El Dorado, CA 383 Alamosa, CO 384 Carbon Co., WY 30002 Number of cases in PSU. 0. Inap. (not an area-probability sample case) 30003 Number of ineligible cases in PSU. 0. Inap. (not an area-probability sample case) 30004 Number of completed cases in PSU. 0. Inap. (not an area-probability sample case) 30005 Design-based nonresponse-adjusted area-probability weight. Where "wi" is the inverse of the original probablity of selection for case i, this weight is given by wi * (X30002-X30003)/X30004. Implicit in this calculation is the assumptions that nonresponse is uniform at the PSU level. 0. Inap. (not an area-probability sample case) 30006 Sample disposition code. COMPLETED CASES 61 Completed case (in-person) 62 Completed case (telephone) 65 Converted case (in-person) 66 Converted case (telephone) 60 Partial complete (partial interview accepted as complete) NIRS (non-interview reports) LIST SAMPLE ONLY 80 Refusal - postcard returned 81 R deceased 82 Unable to locate 83 Unavailable during field period 84 R moved out of range 85 Refusal by gatekeeper 86 R institutionalized AREA PROBABILITY ONLY 71 Vacant HU 72 Not an HU 73 Seasonal vacant 74 No contact 75 Vacant trailer space 76 Sample incorrect 77 No eligible respondent BOTH LIST AND AP SAMPLES 90 Language barrier 91 Refusal/breakoff - no reason 92 Refusal/breakoff - too long 93 Refusal/breakoff - too invasive/personal 94 Refusal/breakoff - gov't involvement 95 Other 30007 Seqid for the 1990 SOI file. ONLY AVAILABLE IN LOCKED LINK FILE NOT TO BE INCLUDED ON ANY ROUTINE USE FILE! 0. Inap. (not a list sample case) 30008 List sample design weight. 0. Inap. (not a list sample case) 30009 List sample wealth-index stratum number. 0. Inap. (not a list sample case) 30010 Design-based nonresponse adjustment for list sample (SWE(STRATUM)/SWC(STRATUM)). 0. Inap. (not a list sample case) 30011 Design-based nonresponse-adjusted list weight (X30008 * X30009). 0. Inap. (not a list sample case) 30029 List design weights post-stratified to stratum counts and to geographic totals computed from the entire SOI file. 0. Inap. (not a list sample case) 30016 Number of sample cases in list stratum. 0. Inap. (not a list sample case) 30017 Number of ineligible list sample cases in stratum. 0. Inap. (not a list sample case) 30018 Number of completed list sample cases in stratum. 0. Inap. (not a list sample case) 30019 Weighted (using original unadjusted design weight) number of eligible cases in stratum. 0. Inap. (not a list sample case) 30020 Weighted (using original unadjusted design weight) number of completed cases in stratum. 0. Inap. (not a list sample case) 30027 Weighted (using original unadjusted design weight) number of inelligible cases in stratum. 0. Inap. (not a list sample case) 30023 List sample financial income post-stratum, defined in terms of all interest income reported on page 1 of IRS Form 1040. 0. Inap. (not a list sample case) 30024 Divorce-adjusted wealth index stratum. When joint filers had divorced since the sample was drawn, the original wealth index was divided in half and the stratum number was recomputed using the original classes. 0. Inap. (not a list sample case) 30012 Number of area-probability sample cases in PSU. 0. Inap. (not an area-probability sample case) 30013 Number of eligible area-probability sample cases in PSU. 0. Inap. (not an area-probability sample case) 30014 Number of completed area-probability sample cases in PSU. 0. Inap. (not an area-probability sample case) 30015 Unadjusted area probability sample design weight 0. Inap. (not an area-probability sample case) 30021 Area probability segment number 0. Inap. (not an area-probability sample case) 30025 Paired PSUs (segments for self-representing PSUs) for variance estimation. 1-32: pairs constructed from segements in self-representing PSUs 33-100: paired non-self-representing PSUs 0. Inap. (not an area-probability sample case) 30022 Census region 1. Northeast 2. North central 3. South 4. West 30074 9-level Census Division Code 1. Northeast: New England Division (CT, ME, MA, NH, RI, VT) 2. Northeast: Middle Atlantic Division (NY, NJ, PA) 3. South: South Atlantic Division: (DE, DC, FL, GA, MD, NC SC, VA, WV) 4. South: East South Central Division: (AL, KY, MS, TN) 5. South: West South Central Division: (AR, LA, OK TX) 6. Midwest: East North Central Division (IL, IN, MI OH WI) 7. Midwest: West North Central Division (IA, KS, MN, MO, NE, ND, SD) 8. West: Mountain Division (AZ, CO, ID, MT, NV, UT, WY, NM) 9. West: Pacific Division (AK, CA, HI, OR, WA) 30026 Reinterview status for cases with ineligible data. 1. Successfully reinterviewed 5. Unsuccessfully reinterviewed, data deleted 3. Unsuccessfully reinterviewed, data never entered 0. Inap. (not reinterviewed) 30028 Case critical item check indicator 3 = critical item check run on both programs and no missing critical items found, 2 = critical item check run and at least 1 critical item in Program 1 or Program 2 was missing, 1 = critical item checks were not run (or rerun) or there is some reason why the critical item flag was missing (these would include the re-fielded cases and other cases which were re-entered after the initial critical item check was run). 30030 State where PSU is located Standard two-character code ----------------------------------------------------------------------------- WEIGHTS XWGT Post-stratification analysis weight as of 9/30/93 (the first public release of the data). WARNING! Because the weight is partially data-based (see Kennickell, McManus and Woodburn) and the final imputations here differ from the intitial values in the first public release, this weight is NOT compatible with the final version of the data. It is included here only for historical purposes. X41000 Version of X42000 that was included in the first release of the final SCF 92 data. This variable is included only for historical reasons. X42000 Original Kennickell-Woodburn consistent weight. X42001 Revised Kennickell-Woodburn consistent weight: accounts for systemative deviations from CPS estimates of homeownership by racial/ethnic groups. This weight should be used for all estimations using the final 1992 SCF data for which weights are appropriate. ----------------------------------------------------------------------------- REPLICATE WEIGHTS AND MULTIPLICITY FACTORS ----------------------------------------------------------------------------- As noted in the introduction, there is one additional data file which contains replicate weights and multiplicity factors to be used in estimating sampling variances. The file corresponds to the main weight X42001. The replicate weights are of the form WT1Bi, where i=1,...999 The multiplicity factors are of the form MMi, where i=1,...999 Replicate weights with a given index correspond to multiplicity factors with the same index. ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- HOUSEHOLD LISTING ----------------------------------------------------------------------------- 8000 Respondent and spouse/partner variables reversed to male/oldermale/older female and spouse/partner in all subsequent occurences in dataset (data rearranged except when male not living at sampled address). Also, all response categories altered to reflect this change. 1. Reversed 5. Not reversed 13 Respondent: Age computed from date of birth 18 Spouse: Age computed from date of birth Code age .N NA 14 Respondent: "Imputed age" 19 Spouse: "Imputed age" (IF HHL AGE=COMPUTED AGE, THE IMPUTED AGE=SAME. IF HHL AGE=COMPUTED AGE +/- 2 YEARS, THEN IMPUTED AGE= COMPUTED AGE (I.E., BASED ON DATE OF BIRTH). IN ALL OTHER CASES, COMPUTED AGE DERIVED FROM BEST INFORMATION AVAILABLE IN THE IW.) (IMPUTED AGE WAS USED IN CONVERSIONS OR CALCULATIONS INVOLVING AGE OF R/S.) Code age For the public use tape, this age variable is top-coded at 95. 100 Indicator for inclusion of income, debt, assets, etc. of an absent spouse in the interview. 1. Included in Iw 5. Not included in Iw 0. Inap. (No absent spouse) 101 Number of people in the household according to the HHL. Code total # of persons in HHL 8020(#1) Before we start the interview, I need to (re-)list the people who 102(#2) live here and obtain some basic information about each one. Let's 108(#3) start with you--how old are you? 114(#4) 120(#5) HHL-A. Relationship to Respondent 126(#6) 132(#7) If a spouse or partner 202(#8) 1. RESPONDENT is present in HH, he/ 208(#9) 2. Spouse of Respondent she must be coded as 214(#10 3. "Partner" of Respondent person #2. 220(#11) 4. Child (incl. in-laws) 226(#12) 13. Child of Partner Child (04) here 5. Grandchild includes step and 6. Parent (incl. in-laws) adopted children 7. Grandparent (incl. in-laws) and child's spouse. 8. Aunt/uncle Code foster child 9. Cousin in 36. 10. Niece/nephew 11. Sister/brother (incl. in-laws) 12. Great grandchild 29. Other relative 31. Roommate 32. "Friend" (exc. 3) 33. Relative of Partner (except Child, code 13) 34. Boarder or roomer/lodger 35. Paid help (maid, etc.) 36. Foster child 39. Other unrelated person 45. Absent spouse 0. Inap. (No further persons) 8021(#1) HHL-B. SEX 103(#2) 109(#3) 1. Male 115(#4) 2. Female 121(#5) 0. Inap. (No further persons) 127(#6) 133(#7) 203(#8) 209(#9) 215(#10) 221(#11) 227(#12) 8022(#1) HHL-C. AGE 104(#2) 110(#3) Code AGE 116(#4) 122(#5) -1. Less than one year 128(#6) 0. Inap. (No further persons) 134(#7) For the public use tape, the first age variable is top-coded at 95. 204(#8) 210(#9) 216(#10) 222(#11) 228(#12) HHL1. (ASK OF ALL PERSONS 18 AND OLDER, EXCEPT SPOUSE) (Are you/Is [RELATIONSHIP] currently married or living with a partner, separated, divorced, widowed, or (have you/has [he/she]) never been married? (RECORD IN COL. D. ABOVE.) 8023(#1) HHL-D. MARITAL STATUS 105(#2) 111(#3) 1. (M) Married 117(#4) 2. (P) Living with a partner If Person is 17 or 123(#5) 3. (S) Separated less, assume marital 129(#6) 4. (D) Divorced status=6, do not code 135(#7) 5. (W) Widowed NA for persons 0-17. 205(#8) 6. (NM) Never married 211(#9) 7. Married but spouse in institution (nursing home/jail) 217(#10) or outside U.S. (not available to be sampled 223(#11) elsewhere) (X8023 only) 229(#12) 8. Married but spouse not current resident of HU or in institution (eligible for sampling at another residence) (X8023 only) 12. Corresponds to 7 for spouse field (X105 only) 13. Corresponds to 8 for spouse field (X105 only) 0. Inap. (No further persons; person under 18) NOTE: in some cases, interviewers asked this question of people who were aged less than 18. These cases were reviewed, and all responses were set to zero except for a few cases where the person might plausibly be married. However, it is important to note that because this question was not asked of everyone under 18, this set of married people under 18 is not indicative of the true number of such individuals. For the public use tape, responses of 7, 8, 12, and 13 are set to 1. HHL2. (ASK FOR ALL PERSONS 18 YEARS AND OLDER, EXCEPT RESPONDENT AND SPOUSE) Does (he/she) usually live here? (RECORD IN COL. E. ABOVE.) 8024(#1) HHL-E. USUALLY LIVES HERE? 106(#2) 112(#3) 1. YES (incl. R and Spouse/Partner) 118(#4) 2. Child (17 and under) living in HU for part of each 124(#5) year 130(#6) 5. NO 136(#7) 0. Inap. (No further persons; person under 18) 206(#8) NOTE: in some cases, interviewers asked this 212(#9) question of people who were aged less than 18. 218(#10) It is important to note that because this question 224(#11) was not asked of everyone under 18, this 230(#12) distinction does not necessarily relect the true distribution of the population. HHL3. INTERVIEWER. IS AT LEAST ONE (1) HOUSEHOLD MEMBER 18 YEARS OR OLDER -- OTHER THAN R/SPOUSE HHL4. (ASK ABOUT ALL [related] ADULTS 18 YEARS AND OLDER EXCEPT RESPONDENT AND SPOUSE) Does (RELATIONSHIP) depend on you (and your [husband/wife/partner]) for most of (his/her) support or is (he/she) financially independent for the most part? (RECORD IN COL. F. ABOVE.) 8098(#1) HHL-F. 107(#2) 113(#3) 1. FINANCIALLY DEPENDENT 119(#4) 5. FINANCIALLY INDEPENDENT 125(#5) 12. Absent spouse 131(#6) 0. Inap. (No further persons; person under 18) 137(#7) NOTE: in some cases, interviewers asked this 207(#8) question of people who were aged less than 18. 213(#9) However, it is important to note that because this 219(#10) question was not asked of everyone under 18, this 225(#11) distinction does not necessarily reflect the true 231(#12) distribution of the population. ----------------------------------------------------------------------------- FINANCIAL INSTITUTIONS ----------------------------------------------------------------------------- 305 A5. The next few questions are about the financial institutions that you do business with. With how many financial institutions do you (and your family living here) currently have accounts or loans, or regularly do personal financial business? Include banks, savings and loans, credit unions, brokerages, loan companies, and so forth, but not institutions where you have only credit cards or business accounts. (This variable retains the original value reported by the respondent (contrast 8300 below) except when the original value of this variable was missing.) Code NUMBER -1. NONE .S. SOME, EXACT NUMBER UNKNOWN 8300 R. Inferred number of institutions. When institutions were reported (or in some cases, imputed) after the institution data were collected, except in the case of bank-type credit cards the interviewers were instructed to go back and fill in this information for each new institution. This procedure worked imperfectly. This variable takes X305 as its base and adds additional institutions whenever a commercial bank, savings and loan, credit union, or brokerage was reported without a link to the institution data. Where more there are than the 6 institutions on which detailed information was collected, the total number of institutions was augmented as appropriate. In cases where any of the first six institutions have been inferred, the detailed information (location and how R does business) has been imputed. Code NUMBER -1. NONE 306 A5.10 Do you (or your family living here) have a card that allows you to deposit or withdraw money from (this/these institutions) using a cash machine? 1. YES 5. NO 0. Inap. (No institutions listed, no further institutions) 307 A5.11 # OF INSTITUTIONS (FROM A5) Code NUMBER 0. Inap. (No institutions listed) 308(#1) A6. (SHOW CARD 1). (About Institution #[1/2/3/4/5/6]), 312(#2) what kind of institution is this? (Is it a 316(#3) commercial bank, a savings and loan or savings 320(#4) bank, a credit union, a finance or 324(#5) loan company, a brokerage, or what?) 328(#6) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No institutions listed, no further institutions) FINANCIAL INSTITUTIONS MASTER REFERENCE LIST 1. Institution #1 from Card A 2. Institution #2 from Card A 3. Institution #3 from Card A 4. Institution #4 from Card A 5. Institution #5 from Card A 6. Institution #6 from Card A 11. Commercial bank; "trust company" 12. Savings & loan association or savings bank 13. Credit union 14. Finance or loan company 15. Store or dealer 16. Brokerage company; "mutual fund"--NFS 17. Insurance company 18. Mortgage company 19. Contractor or developer 20. Prior owner 21. Automobile finance company; GMAC; Ford CDT 22. Doctor or hospital; dentist 23. Lawyer 24. Accountant 25. Employer 26. Friend or relative (not codeable above) 27. Individual lender/advisor (not codeable above) 28. Pension administrator 31. Real estate (investment) company 32. School/college/university 33. Local/county/state government (exc. 42) 34. Special federal government agency: FMHA; SBA; VA; FHA; HUD; NDSL 35. Federal government general or NA agency; IRS 37. Self/spouse (manages own trust) 38. Bank or general purpose credit card company: VISA; Carte Blanche; MasterCard (except American Express, code 51) 39. Union 40. Church 41. AARP (American Association of Retired Persons) 42. Courts 50. (Sears)/Discover Card (V415-418 only) (Code "Sears" mention in 15) 51. American Express/Optima Card 52. AT&T Card 61. Other membership organization: AAA; NEA; NTA (V415-418 only) 62. Tribal and similar organizations 75. Foreign institution type 92. Money market (mutual) funds, NFS 93. Farm related lenders, not codeable above or NA if membership group or government agency 94. Investment/management companies or consultants--NEC 95. Non-financial institution (exc. 40-42, 61) -1. Combinations of types of financial institutions -7. OTHER 309(#1) A7. How (do you/does your family) mainly do business with 313(#2) this institution (--by cash machine, in person, by 317(#3) mail, by phone, or some other way)? (NOT ASKED IF 321(#4) NON-FINANCIAL INST.) 325(#5) 329(#6) 1. BY ATM 2. IN PERSON--R or R's messenger If adjacent boxes 3. BY MAIL checked, code 4. BY PHONE smallest number. 5. Payroll deduction; direct deposit 6. DON'T DO REG. BUSINESS -7. OTHER 9. ELECTRONIC TRANSFER 10. CHECK, NFS 11. R's agent or manager 0. Inap. (No institutions listed, no further institutions) 310(#1) A8. Roughly, how many miles is the office or cash machine of 314(#2) this institution from the home or workplace of the person 318(#3) who uses it most often? (ACCEPT RANGE.) (IF R ASKS: WE WANT 322(#4) THE CLOSER OF THE DISTANCE FROM HOME OR WORKPLACE.) 326(#5) (NOT ASKED IF NON-FINANCIAL INST.) 330(#6) Code MILES 51. OVER 50 MILES 992. FOREIGN LOCATION 993. LOCATED AT WORK -1. LESS THAN A MILE -7. LOCAL PHONE OR POST BOX 0. Inap. (No institutions listed, no further institutions) 311(#1) A9. INTERVIEWER: IS THERE ANOTHER FINANCIAL INSTITUTION? 315(#2) 319(#3) 1. Yes 323(#4) 2. No 327(#5) 0. Inap. (No institutions listed, no further institutions) ----------------------------------------------------------------------------- DEBIT AND CREDIT CARDS ----------------------------------------------------------------------------- 7582 B4. Do you (or anyone in your family living here) have any debit cards? (A debit card is a card that you can present when you buy things that automatically deducts the amount of the purchase from the money in an account that you have). 1. YES 5. NO 0. Inap. (No institutions listed, no further institutions) 7581 B4.1 . How many such cards do you (and your family living here) have? (READ ONCE: Please do not count duplicate cards for the same account or any business or company accounts.) Code NUMBER 0. Inap. 7580 B4.2 Please look at the Institutions Card. (Is this/are these) 7579 with any of the institution(s) on the Institutions Card, or from someplace else? (CHECK ALL THAT APPLY.) [IF INSTITUTIONS CARD: Which institution(s)?] [IF "SOMEPLACE ELSE": What type(s) of institution(s)?] See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No institutions listed, no further institutions) 9200 R. Type of institution. 9201 See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No institutions listed, no further institutions) 410 B5. Now I have some questions about credit cards. Do you (or anyone in your family living here) have any credit cards or charge cards? (Please do not include debit cards.) 1. YES 5. NO TYPES OF CARDS: EXAMPLES #1: BANK-TYPE CARDS: Visa, Mastercard, Discover, Optima #2: STORE CARDS: Sears, K-Mart, furniture, clothing and other stores #3: GASOLINE CARDS: Gasoline Cards such as Shell, Exxon, BP, Texaco, Amoco #4: GENERAL PURPOSE CARDS: American Express, Diners Club, Carte Blanche #5: OTHER TYPES OF CARDS: Airline, Car Rental, or other 411 (#1) B5.1 How many different (EXAMPLES) cards do you (and your family 419 (#2) living here) have? 422 (#3) (READ ONCE: Please do not count duplicate cards for the 425 (#4) same account or any business or company accounts.) 428 (#5) Code # ACCTS -1. NONE .S. SOME, DK HOW MANY 0. Inap. (No credit cards) 412 (#1) B6-A. On your last bill, roughly how much were the new 420 (#2) charges made to (this/all these) account(s)? 423 (#3) (ACCEPT RANGE.) 426 (#4) 429 (#5) Code $ amount -1. NONE 0. Inap. (No credit cards, no TYPE cards) 413 (#1) B8-A. After the last payment(s) (was/were) made on (this/these) 421 (#2) account(s), roughly what was the balance still owed on 424 (#3) (this/all these) account(s)? 427 (#4) 430 (#5) Code $ amount -1. NONE 0. Inap. (No credit cards, no TYPE cards) 414 (#1) B9. What is the maximum amount you could borrow on (this/all of these) account(s); that is, what is your total credit limit? Code actual amount -1. NONE/No limit 0. Inap. (No credit cards, no bank-type cards) 7578 B9.1 When you chose (this/these) card(s), how important was the interest rate that is charged on the balances -- very important, somewhat important, or not important? 1. VERY IMPORTANT 2. SOMEWHAT IMPORTANT 3. NOT IMPORTANT 415 (#1a) B10. Please look at the Institutions Card. (Is this/are 416 (#1b) these) with any of the institution(s) on the 417 (#1c) Institutions Card, or from someplace else? 418 (#1d) (CHECK ALL THAT APPLY.) [IF INSTITUTIONS CARD: Which 7500 (#1e) institution(s)?] [IF "SOMEPLACE ELSE": What type(s) of institution(s)?] Code up to 5 mentions See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No credit cards, no bank-type cards, no additional institutions) 9082(#1a) R. Type of institution 9151(#1b) 9152(#1c) Code type of intsitution 9153(#1d) See FINANCIAL INSTITUTIONS master reference list 9202(#1e) 0. Inap. (No credit cards, no bank-type cards, no additional institutions) 431 B11. INTERVIEWER: SEE B6, COLUMNS A and B. DOES R HAVE ANY CARDS IN COLUMN A OR B? 1. YES 5. NO 0. Inap. (No credit cards) 432 B12. Thinking only about Visa, Mastercard, Discover, Optima and store cards, do you almost always, sometimes, or hardly ever pay off the total balance owed on the account each month? 1. ALMOST ALWAYS 3. SOMETIMES 5. HARDLY EVER 0. Inap. (No credit cards, no bank or store credit cards) 7577 B13. (Other than store accounts where you have credit cards), do you have any charge accounts at stores where you owed money after your last payment? 1. YES 5. NO 0. Inap. (No credit cards, no bank or store credit cards) 7576 B14. How many such accounts do you have where you owe money? CODE # ACCOUNTS 0. Inap. (No credit cards at stores where owed money after last payment) 7575 B15. After these last payment(s) (was/were) made on (this/these) accounts, what was the balance still owed on (this/all these) account(s)? CODE $ ACCOUNTS 0. Inap. (No credit cards at stores where owed money after last payment) ----------------------------------------------------------------------------- PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- 501 D1. INTERVIEWER CHECKPOINT: WHERE DOES R LIVE? 1. R LIVES ON A RANCH OR FARM 2. R LIVES IN A MOBILE HOME 3. ALL OTHERS R LIVES ON FARM/RANCH 502 D2. Now I have some questions about this property. About how many acres is this (farm/ranch)? Code ACRES 0. Inap. (Does not live on a farm) 503 D3. Do you (or anyone in your family living here) operate a farming or ranching business on this property? (IF R CLAIMS THE FARM ON HIS INCOME TAX, THEN THE FARM IS A BUSINESS FOR OUR PURPOSES.) 1. YES 5. NO 0. Inap. (Does not live on a farm) 504 D3.1 Do you (or anyone in your family living here) rent out any part of this property to others? 1. YES 5. NO 0. Inap. (Does not live on a farm, farm business) 505 D3.2 How much rent do you collect each month?--$ AMOUNT Code actual amount -1. NONE 0. Inap. (Does not live on a farm, farm business, no rent) 506 D3.2 PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not live on a farm, farm business, no rent) 507 D4. What part of this property is used for the farming or ranching business? Code PERCENT to 2 decimal places 9995. ALMOST ALL -1. VERY LITTLE 0. Inap. (Does not live on a farm, no farm business) 7574 D4. What part of this property is used for the farming or ranching business? Code # ACRES -1. VERY LITTLE 0. Inap. (Does not live on a farm, no farm business) 508 D5. What is the legal ownership status of this (farm/ranch). Do you (or your family living here) own this (farm/ranch), do you own part of it, do you rent it, is it all owned by a business, or what? 1. OWNS ALL 2. OWNS PART 3. RENTS 4. OWNED BY A BUSINESS 5. SHARECROPPER 6. Housing is paid for by someone outside PEU (including owned by NPEU); owned by relative outside PEU; R pays only taxes -7. OTHER 0. Inap. (Does not live on a farm, no farm business) R OWNS ENTIRE FARM 509 D5.1. Does the (farming/ranching) business pay any rent for the use of the property? 1. YES 5. NO 0. Inap. (Does not live on a farm, no farm business, does not own entire farm) 510 D5.2. How much rent do you (or your family living here) collect each month?--$ AMOUNT Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own entire farm, business does not pay rent) 511 D5.2. PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not live on a farm, no farm business, does not own entire farm, business does not pay rent) 513 D5.3. Could you tell me the current value of all the land and the buildings -- that is, about what would it bring if it were sold today? Do not include any farm animals, implements or crops. Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own entire farm) FARM/RANCH OWNED BY A BUSINESS 514 D5.4 Do you (or your family living here) pay the business any rent for this house? 1. YES 5. NO 0. Inap. (Does not live on a farm, no farm business, farm not owned by a business) 515 D5.5. In what month and year did you move into this (farm/ranch)?--MONTH Code MONTH 0. Inap. (Does not live on a farm, no farm business, farm not owned by a business) 516 D5.5. In what month and year did you move into this (farm/ranch)?--YEAR Code YEAR 1901. 1901 or earlier 0. Inap. (Does not live on a farm, no farm business, farm not owned by a business) R OWNS PART OF FARM/RANCH 517 D6. Does the (farming/ranching) business pay you (or your family living here) any rent for the use of the property? 1. YES 5. NO 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) 518 D6.1. How much rent do you (or your family living here) collect each month? -- AMOUNT Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, farm does not pay rent) 519 D6.1. PER 2. Week 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months -7. Other 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, farm does not pay rent) 520 D7. Do you (or anyone in your family living here) pay any rent for this property? 1. YES 5. NO 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) 521 D7.1. How much rent do you (or your family living here) pay each month? -- AMOUNT Code actual amount -1. NONE 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, does not pay rent) 522 D7.1. PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not live on a farm, no farm business, does not own part of farm, does not pay rent) 523 D8. I will ask you more about the business operation later. Now I'd like to ask about the part of the property that you (and your family living here) personally own. About what percent of the total property is that? Code PERCENT to 2 decimal places 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) 7573 D8. I will ask you more about the business operation later. Now I'd like to ask about the part of the property that you (and your family living here) personally own. About what percent of the total property is that? Code # ACRES 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) 526 D10. Could you tell me the current value of the entire part of the land and building you own? I mean, what would it bring if it were sold today? Do not include any farm animals, implements or crops. Code actual amount 0. Inap. (Does not live on a farm, no farm business, does not own part of farm) R LIVES IN MOBILE HOME 601 D11. Now I have some questions about your home. Do you (or your family living here) own both this mobile home and site or lot, do you own only the mobile home, do you own only the site, do you rent both the home and site, or what? 1. OWN BOTH HOME AND SITE 2. OWN ONLY SITE 3. OWN ONLY HOME 4. RENT BOTH -7. NEITHER OWNS NOR RENTS 0. Inap. R OWNS ONLY SITE 602 D11.1 About how much rent do you pay on this home each month? Code actual amount -1. Nothing; zero 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 603 D11.1 PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 604 D11.2 Could you tell me the current value of the site? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 605 D11.3 In what month and year did you purchase this site?--MONTH (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Code MONTH 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 606 D11.3 In what month and year did you purchase this site?--YEAR Code YEAR 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 608 D11.3 INTERVIEWER CHECKPOINT: GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) 607 D11.4 How much did this site cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only site of mobile home) R NEITHER OWNS NOR RENTS MOBILE HOME 609 D11.5 How is that? 1. Housing is part of job compensation; live-in servant; housekeeper; gardener; farm laborer 2. Housing is a gift paid for by someone outside HU; owned by relative outside HU; R pays only taxes 3. Sold home, has not moved yet 4. Living in house which will inherit; estate in process 5. Living in temporary quarters (garage, shed) while home is under construction 0. Inap. (Does not liven in mobile home, owns or rents mobile home) 610 D11.6 In what month and year did you move into this mobile home? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, owns or rents mobile home) 611 D11.6 In what month and year did you move into this mobile home? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, owns or rents mobile home) R OWNS ONLY MOBILE HOME 612 D12. About how much rent do you pay on this site each month? Code actual amount -1. Zero; pays no rent 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 613 D12. PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 614 D12.1 Could you tell me the current value of this mobile home? I mean, about what would it bring if it were sold today? Code actual amount 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 615 D12.2 In what month and year did you purchase this mobile home? --MONTH (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Code MONTH 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 616 D12.2 In what month and year did you purchase this mobile home? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, other than owns only mobile home) 618 D12.2 INTERVIEWER CHECKPOINT: GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not live in mobile home, other than owns only mobile home) For the public use tape, the response of 1 is set to 5. 617 D12.3 How much did this mobile home cost when you originally acquired it ? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (Does not live in mobile home, other than owns only mobile home) R RENTS MOBILE HOME AND SITE 619 D13. About how much rent do you pay on this home and site each month? Code actual amount -1. NONE -2. Rental housing fully subsidized 0. Inap. (Does not live in mobile home, does not rent mobile home and site) 620 D13. PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Does not live in mobile home, does not rent mobile home and site) 621 D13.1 In what month and year did you move into this mobile home? --MONTH Code MONTH 0. Inap. (Does not live in mobile home, does not rent mobile home and site) 622 D13.1 In what month and year did you move into this mobile home? --YEAR Code YEAR 0. Inap. (Does not live in mobile home, does not rent mobile home and site) R OWNS BOTH MOBILE HOME AND SITE 623 D14. Could you tell me the current value of this home and site? I mean, about what would they bring if they were sold today? Code actual amount 0. Inap. (Does not live in mobile home, does not own mobile home and site) 624 D15. Were the site and mobile home purchased separately? 1. YES 5. NO 0. Inap. (Does not liven in mobile home, does not own mobile home and site) 625 D15.1 In what month and year did you purchase this mobile home? --MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) 628 D15.1 INTERVIEWER CHECKPOINT: GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 626 D15.1 In what month and year did you purchase this mobile home? --YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 627 D15.2 How much did the mobile home cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 629 D15.3 In what month and year did you purchase this site?--MONTH (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 632 D15.3 GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 630 D15.3 In what month and year did you purchase this site?--YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased together) 631 D15.4 How much did this site cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (Does not live in mobile home, does not own mobile home and site, mobile home and site purchased together) 633 D15.5 In what month and year did you purchase this mobile home and site?--MONTH Code MONTH 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately) (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN RECEIVED.) 636 D15.5 GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately) 634 D15.5 In what month and year did you purchase this mobile home and site?--YEAR Code YEAR 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately) 635 D15.6 How much did the mobile home and site cost when you originally acquired it? (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN RECEIVED.) Code actual amount 0. Inap. (Does not liven in mobile home, does not own mobile home and site, mobile home and site purchased separately) 701 D16. Now I have some questions about your home. Do you (and your family living here) own this (house and lot/apartment/farm/ranch), do you pay rent, do you own it as a part of a condo, co-op, townhouse association, or what? 1. OWNS OR IS BUYING; LAND CONTRACT 2. PAYS RENT 3. CONDO 4. CO-OP 5. TOWNHOUSE ASSOC. 6. RETIREMENT LIFETIME TENANCY -7. NEITHER OWNS NOR RENTS 0. Inap. (Lives on farm run as business, lives in mobile home) 7572 D16.1 Are you required to pay regular fees to an association or property management group in order to live here? 1. YES 5. NO 0. Inap. (Lives on farm run as business, lives in mobile home, house not condo/co-op/townhouse) 703 D16.2 How much are your fees? Code actual amount -1. NONE/No regular payment/No typical payment 0. Inap. (Lives on farm run as business, lives in mobile home, house not condo/co-op/townhouse) 704 D16.2 PER 2. Week 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months -7. Other 0. Inap. (Lives on farm run as business, lives in mobile home, house not condo/co-op/townhouse) D16.3 INTERVIEWER OBSERVATION: DOES R LIVE IN MULTIPLE HU STRUCTURE? R NEITHER OWNS NOR RENTS 705 D16.4 How is that? 1. Housing is part of job compensation; live-in servant; housekeeper; gardener; farm laborer 2. Housing is a gift paid for by someone outside PEU (including owned by NPEU); owned by relative outside PEU; R pays only taxes 3. Sold home, has not moved yet 4. Living in house which will inherit; estate in process 5. Living in temporary quarters (garage, shed) while home is under construction 0. Inap. (Lives on farm run as business, lives in mobile home, owns or rents house) -7. Other For the public use tape, responses of 5, and 6 are set to -7. 706 D16.5 In what month and year did you move into this home?--MONTH Code MONTH 0. Inap. (Lives on farm run as business, lives in mobile home, owns or rents house) 707 D16.5 In what month and year did you move into this home?--YEAR Code YEAR 0. Inap. (Lives on farm run as business, lives in mobile home, owns or rents house) For the public use tape, the year is bottom-coded at 1920. R PAYS RENT 708 D17. How much rent do you pay a month for this (house/ apartment/farm/ranch)? Code actual amount -1. NONE -2. Rental housing fully subsidized 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) 709 D17. PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) 710 D17.1 Does that include some or all utilities? 1. YES, ALL 3. YES, SOME 5. NO 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) 711 D17.2 Do you rent it furnished or unfurnished? 1. FURNISHED 3. PARTIALLY FURNISHED 5. UNFURNISHED 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) 712 D17.3 In what month and year did you move into this (house/ apartment/farm/ranch)?--MONTH Code MONTH 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) 713 D17.3 In what month and year did you move into this (house/ apartment/farm/ranch)?--YEAR Code YEAR 0. Inap. (Lives on farm run as business and does not rent farm, lives in mobile home, does not rent house) R LIVES IN MULTIPLE HU STRUCTURE 702 D16a. INTERVIEWER CHECKPOINT: OBSERVATION 1. R LIVES IN MULTIPLE HU STRUCTURE 2. ALL OTHERS 0. Inap. (Lives on farm run as business, lives in mobile home) 714 D18. Do you own the entire building or just your unit? 1. ENTIRE BUILDING 2. JUST R'S UNIT 0. Inap. (Lives on farm run as business, lives in mobile home, does not own house, does not live in a multiple HU structure) 715 D18a. The next few questions are about the entire property. How many housing units are in this building? Code UNITS 95. 95 units or more 0. Inap. (Lives on farm run as business, lives in mobile home, does not own house, does not live in a multiple HU structure) ALL HOMEOWNERS EXCEPT MOBILE HOMES/FARMS OWNED BY A BUSINESS 716 D19. (The following questions about your home refer to your unit only). What is the current value of this (home and land/apartment/property)? I mean, about what would it bring if it were sold today? (IWER: PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR HOUSE AND LOT, APARTMENT, BUILDING, FARM, OR RANCH.) Code actual amount 0. Inap. (Lives on farm run as business, lives in mobile home, does not own house) 719 D20. In what month and year did you first purchase any part of this property?--MONTH Code MONTH 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) 720 D20. In what month and year did you first purchase any part of this property?--YEAR Code YEAR 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) For the public use tape, the year is bottom-coded at 1920. 718 D20. GIFT/INHERITANCE 1. Checked 5. Not checked 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) 717 D21. How much did it cost when you first acquired it? Code actual amount 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) 721 D22. What are the real estate taxes per year on this (home and land/apartment/property)? Code actual amount -1. NONE/No regular payment/No typical payment 0. Inap. (Lives on farm owned by a business, rents farm, does not own house) 722 D22. PER 2. Week 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months -7. Other 0. Inap. (Lives on farm owned by a business, rents farm, lives in mobile home, does not own house) ----------------------------------------------------------------------------- PRINCIPAL RESIDENCE MORTGAGES/LAND CONTRACTS ----------------------------------------------------------------------------- 723(1) D23. Is there a mortgage or land contract on this (home and land/apartment/ property)? (DO NOT INCLUDE HOME EQUITY LOANS OR LINES OF CREDIT) 1. YES, MORTGAGE 2. YES, LAND CONTRACT 5. NO 0. Inap. (Not homeowner) 830(2) D40. Do you have a second mortgage or a land contract on this property? (Please do not include any home equity lines of credit.) [INTERVIEWER: A HOME EQUITY LINE OF CREDIT IS AN AGREEMENT WHERE THE R CAN BORROW AT ANY TIME USING THE HOUSE AS COLLATERAL, UP TO SOME LIMIT. A HOME EQUITY LOAN IS A FIXED LENGTH, FIXED MONTHLY PAYMENT LOAN.] 1. YES, 2ND MORTGAGE 2. YES, LAND CONTRACT 5. NO 0. Inap. (Not homeowner, no first loan) 931(3) D40.1 Do you have any other loans that use this property as collateral? (Please do not include any home equity lines of credit.) 1. YES 5. NO 0. Inap. (Not homeowner, no second loan) 724 D24. Is the first or main mortgage a federally guaranteed mortgage, such as FHA or VA? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, 1st loan is land contract) 725 D24.1 Does this mortgage carry any type of private mortgage insurance or PMI against default? (IF R ASKS: DO NOT INCLUDE MORTGAGE LIFE INSURANCE.) 1. YES 5. NO 0. Inap. (Not homeowner, no loan, 1st loan is land contract, FHA/VA loan) 726 D25. Is it an FHA mortgage, a VA mortgage, or is it from some other program? 1. FHA (Federal Housing Admin.) 2. VA 3. Federal Land Bank 4. "Fannie Mae" (Federal National Mortgage Assn) 5. "Freddie Mac" (Federal Home Loan Mortgage Corp) 6. Other governmental guarantor 7. Other non-governmental guarantor -7. OTHER 0. Inap. (Not homeowner, no loan 1st loan is land contract, not FHA/VA loan) 727 D26. Why did you choose this type of loan? CREDIT TERMS/COST OF LOAN 1. Interest rate--low(er)/reasonable/best available rates 4. Finance charges low(er) or none (other than interest or NA if includes interest) 5. Amount of the down payment 6. Size of (monthly) payments; payment amount; longer contracts--more time to pay off loan 9. Easier to get credit--require less information/ collateral; less stringent rules for giving credit; get credit approval faster; no red tape 25. Credit terms/arrangements--NA what; "affordable terms" 26. Give the best (a better) deal--NA how 29. Other credit terms or cost of loan CHARACTERISTICS OF CREDIT INSTITUTION 31. Good reputation--reputable, well known; honest; stable; reliable; experienced; professional 41. Availability of credit: "they would lend me the money"; "I could qualify for a loan"; "only place I could get a loan"; was eligible; qualified; a veteran (VA loan) 49. Other characteristics of credit institution MISCELLANEOUS 80. No choice; only source/lender/institution (not 41); "only place in town" 81. Familiarity; R has previous/good experience dealing with institution; has (other) accounts there, been treated well/fairly in past; am a credit union member 83. Recommended or arranged by dealer/store/contractor/ realtor 84. Recommended by others 88. Convenient/Easy--n.e.c. 90. Reason for lender choice related to item purchased-- "assumed mortgage" (i.e., lender choice already made when R chose this house) (low priority) 91. Like/Trust them--NA why 0. Inap. (Not homeowner, no loan, 1st loan is land contract, not FHA/VA loan) 801(1) D27. About the (mortgage/land contract/second mortage/other 901(2) loan), in what month and year did you obtain or last 1001(3) refinance it?--MONTH Code MONTH 0. Inap. (Not homeowner, no loan, no further loans) 802(1) D27. About the (mortgage/land contract/second mortage/other 902(2) loan), in what month and year did you obtain or last 1002(3) refinance it?--YEAR Code YEAR 0. Inap. (Not homeowner, no loan, no further loans) 803(1) D27.1 Was this (mortgage/land contract) assumed from the 903(2) previous owner? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, no further loans) 804(1) D28. How much did you borrow or refinance? 904(2) 1004(3) Code actual amount 0. Inap. (Not homeowner, no loan, no further loans) 805(1) D29. How much is still owed on this loan? 905(2) 1005(3) Code actual amount 0. Inap. (Not homeowner, no loan, no further loans) 806(1) D30. How many years or payments did you agree upon when the loan 906(2) was taken out or refinanced?--# YEARS 1006(3) Code # YEARS -1. NO SET # 0. Inap. (Not homeowner, no loan, no further loans) 807(1) D30. How many years or payments did you agree upon when the loan 907(2) was taken out or refinanced?--# PAYMENTS 1007(3) Code # PAYMENTS -7. Number of years reported and no regular payments on loan. Number of payments cannot be computed. -1. NO SET # 0. Inap. (Not homeowner, no loan, no further loans) 9154(1) R. Term of loan in months 9155(2) 9156(3) Code # MONTHS 0. Inap. (Not homeowner, no loan, no further loans) 808(1) D31. How much are the payments and how often are they due? 908(2) 1008(3) Code actual amount -1. NO REG. PAYMENTS; NONE 0. Inap. (Not homeowner, no loan, no further loans, no set # payments) 809(1) D31. PER 909(2) 1009(3) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 11. Twice per year; every 6 months 12. Bimonthly -7. Other 0. Inap. (Not homeowner, no loan, no further loans, no set # payments) 810(1) D32. Do the payments include property taxes or home owners insurance? (Which?) 1. TAXES ONLY 2. INSURANCE ONLY 3. BOTH 4. NEITHER 0. Inap. (Not homeowner, no loan, no further loans, no set # payments, no regular payments) 811(1) D33. Will the regular payments repay the loan completely, or 911(2) will there be a balance payable, or "balloon" payment, 1011(3) when the loan is due? 1. REPAY COMPLETELY 2. BALLOON 0. Inap. (Not homeowner, no loan, no further loans, no set # payments, no regular payments) 812(1) D33.1 What will the balance due or balloon payment be? 912(2) 1012(3) Code actual amount 0. Inap. (Not homeowner, no loan, no further loans, no set # payments, no regular payments, no balloon) 813(1) D34. What is the typical payment and how often is it made? 913(2) 1013(3) Code actual amount -1. NO TYPICAL PAYMENTS: NONE 0. Inap. (Not homeowner; no loan; no further loans; set number of payments and regular payments) 814(1) D34. PER 914(2) 1014(3) 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Not homeowner; no loan; no further loans; set number of payments and regular payments) 815(1) D34.1 When do you expect this loan to be repaid? 915(2) 1015(3) Code YEAR 0. Inap. (Not homeowner; no loan; no further loans; set number of payments and regular payments) 7571(1) D34.2 Are you paying off this loan ahead of schedule, 7570(2) behind schedule, or are the payments about on 7569(3) schedule? 1. On schedule 2. Ahead of schedule 3. Behind schedule 816(1) D35. What is the current annual rate of interest being charged 916(2) on the loan? 1016(3) Code % to 2 decimal places (ex. 10 3/4 = 1075) -1. Zero; no interest 0. Inap. (Not homeowner, no loan, no further loans) 817(1) D36. Please look at the Institutions Card. Is the loan 917(2) with any of the institutions on the Institutions Card, or 1017(3) from someplace else? (IF CARD A: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that?) (INTERVIEWER: CHECK INSTITUTION CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (Not homeowner, no loan, no further loans) 9083(1) R. Type of institution in X817 9084(2) 9085(3) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (Not homeowner, no loan, no further loans) 7568(1) D36.1 Is this the same institution as the one from which you originally took out this loan? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, no further loans) 918(2) D37. Was the money from this loan used for the purchase of this 1018(3) home or for some other purpose? (What other purpose?) Use LOAN PURPOSE Master Code, except: 0. Inap. (Not homeowner, no loan, no further loans) 819(1) D38. (SHOW CARD 3) What is the most important reason you chose this lender? (Was it because they were recommended to you, because they had low interest rates, because of the location of their offices, because you had done other business with them, because it was easier to qualify for the loan, or for some other reason?) 1. RECOMMENDED 2. LOW INTEREST 3. LOCATION 4. OTHER BUSINESS 5. EASY TO QUALIFY; only place that would give us a loan 6. MANY/SPECIAL SERVICES IN ONE PLACE 10. Low fees/service charges 11. Personal relationship; they know me; know/like them; freindly; R/Spouse works there 21. No choice--assumed existing debt and lender from previous owner 22. No choice--financed through contractor/developer/ prev. owner/builder and this was their financial institution 23. Advertisement 24. Convenient hours 25. No particular reason 26. No other institutions -7. OTHER including combinations 0. Inap. (Not homeowner, no loan) 820(1) D39. Is this an adjustable rate (mortage/loan); 920(2) that is, does it have an interest rate 1020(3) that can rise or fall from time to time? 1. YES 5. NO 0. Inap. (Not homeowner, no loan) 821(1) D39.1 Does the change in your interest rate depend on some other interest rate? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, not adjustable rate) 822(1) D39.2 On what other rate does it depend? 1. Consumer Price Index; "CPI"; "cost of living" 2. GNP (Gross National Produce) Deflater 3. Prime (interest) Rate; LIBOR 4. Treasury Bill Rate; "T-Bill rate" 5. "Current rate" or "going rate"--NFS 6. District/regional rate 11. FHLBB (Fed. Home Loan Bank Board) 12. FSLIC (Fed. Savings and Loan Ins. Corp.) 13. Fannie Mae 14. Bank CD rate 15. Federal Funds Rate 16. Misc. bond indices -7. Other 0. Inap. (Not homeowner, no loan, not adjustable rate, rate doe not depend on another rate) 823(1) D39.3 How often can your interest rate change in a given year? Code number of times -1. Continuously floating 0. Inap. (Not homeowner, no loan, not adjustable rate) 824(1) D39.3 PER 4. Month 5. Quarter 6. Year 8. Lump sum/one payment only/in total 11. 6 months 12. Bimonthly 13. Every 3 years 14. At 7 years 15. Continuously floating rate; whenever rate changes -7. Other 0. Inap. (Not homeowner, no loan, not adjustable rate) 825(1) D39.4 When the interest rate on your mortgage changes, does the size of your monthly payments also change? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, not adjustable rate) 826(1) D39.5 What is the most the rate can rise at any one time? (POINTS = PERCENTAGE POINTS) Code % to 2 decimal places (ex. 10 3/4 = 1075) -2. NO LIMIT 0. Inap. (Not homeowner, no loan, not adjustable rate) 828(1) D39.6 What was the interest rate on this mortgage when you first got it? Code % to 2 decimal places -2. NO LIMIT 0. Inap. (Not homeowner, no loan, not adjustable rate) 827(1) D39.7 What is the highest the rate can go over the life of the loan? Code % to 2 decimal places -2. NO LIMIT 0. Inap. (Not homeowner, no loan, not adjustable rate) 829(1) D39.8 Is this a convertible mortgage; that is do you have an option to convert it to a mortgage with a fixed interest rate? 1. YES 5. NO 0. Inap. (Not homeowner, no loan, not adjustable rate) FOR OTHER LOANS ASSOCIATED WITH HOME PURCHASE, SEE "CONSUMER LOANS" ----------------------------------------------------------------------------- LINES OF CREDIT ----------------------------------------------------------------------------- 1101 D52. Do you (or anyone in your family living here) have a home equity line of credit, or any other lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. (IF R ASKS: A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A LENDER THAT ALLOWS R TO BORROW UP TO AN AGREED UPON LIMIT AND PAY IT OFF AS R DESIRES. A HOME EQUITY LINE OF CREDIT IS A LINE OF CREDIT SECURED BY THE EQUITY IN R'S HOME.) (ASKED OF HOMEOWNERS) D68. Do you (or anyone in your family living here) have any lines of credit, not counting credit cards or business lines of credit? Please include such lines of credit even if you are not currently drawing against them. (IF R ASKS: A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A LENDER THAT ALLOWS R TO BORROW UP TO A SPECIFIED LIMIT AND PAY IT OFF AS R DESIRES.) (ASKED OF NON-HOMEOWNERS) 1. YES 5. NO 1102 D53. How many lines of credit do you (and your family living here) have? (ASKED OF HOMEOWNERS) Code # LINES OF CREDIT 0. Inap. (No lines of credit) 7563 D68.1 How many lines of credit do you (and your family living here) have? (ASKED OF NON-HOMEOWNERS) Code # LINES OF CREDIT 0. Inap. (No lines of credit) 7562 D69 # OF LINES OF CREDIT 1103 (#1) D53.1 Is (this/the largest/next) line of credit secured by the 1114 (#2) equity in your home? 1125 (#3) 1. YES 5. NO 0. Inap. (No lines of credit, no further lines of credit) 1104 D53.2 What is the maximum amount you could borrow on this line 1115 of credit? 1126 Code actual amount 0. Inap. (No lines of credit, no further lines of credit) 7561 (#1) D69.1 What is the maximum amount you could borrow on 7560 (#2) (this/the largest/the next largest) line of credit? 7559 (#3) (ASKED FOR NON-HOMEOWNERS) Code actual amount 0. Inap. (No lines of credit) 1105 D53.3 Are you currently borrowing any money against this line of 1116 credit? (ASKED FOR HOMEOWNERS) 1127 1. YES 5. NO 0. Inap. (No lines of credit, no further lines of credit) 7558 (#1) D69.2 Are you currently borrowing any money against this line 7557 (#2) of credit? (ASKED OF NON-HOMEOWNERS) 7556 (#3) 1. YES 5. NO 0. Inap. (No lines of credit) 1106 (#1a) D53.4 What was the money used for? (What was its major use?) 1107 (#1b) (ASKED FOR HOMEOWNERS) 1117 (#2a) D69.3 What was the money used for? (What was its major use?) 1118 (#2b) (ASKED FOR NON-HOMEOWNERS) 1128 (#3a) 1129 (#3b) Use LOAN PURPOSE Master Code, except: 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1108 D53.5/ How much is currently owed? 1119 D69.4 1130 Code actual amount 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1109 D53.6/ What is the typical payment and how often is it made? 1120 D69.5 1131 Code actual amount -1. NO TYPICAL PAYMENTS; NONE 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1110 D53.6/ PER 1121 D69.5 1132 2. Week 3. Biweekly 4. Month 5. Quarter 6. Year 8. Lump sum;one payment only -7. Other 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1111 D53.7/ What is the current annual rate of interest being 1122 D69.6 charged on this loan? 1133 Code % -1. Zero; no interest 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1112 D53.8/ (Please look at the Institutions Card.) Is this 1123 D69.7 line of credit with any of the institutions on 1134 the Institutions Card, or from someplace else? (IF the Institutions Card: Which institution?) (IF SOMEPLACE ELSE: What type of institution is that? (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS POINT.) See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 9087 R: Type of institution 9088 9089 See FINANCIAL INSTITUTIONS master reference list 0. Inap. (No lines of credit, not borrowing, no further lines of credit) 1113 D53.9/ INTERVIEWER: IS THERE ANOTHER LINE OF CREDIT? 1124 D69.8 1135 1136 D53.10/ What is the total amount that you (and your family D70 living here) currently owe on all other remaining lines of credit? Code actual amount -1. Nothing; zero 0. Inap. (No lines of credit, no further lines of credit) ----------------------------------------------------------------------------- ADDITIONS AND IMPROVEMENTS TO PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- 1201 D54. Have you (and your family living here) ever made any major additions or done extensive remodeling to this property? 1. YES 5. NO 0. Inap. (Not homeowner) 1202 D54.1 Roughly what was the total cost of all such major additions or remodeling? Code actual amount 0. Inap. (Not homeowner, no home improvements) FOR LOANS ASSOCIATED WITH HOME IMPROVEMENTS, SEE "CONSUMER LOANS" ----------------------------------------------------------------------------- RENT OUT PART OF PRINCIPAL RESIDENCE ----------------------------------------------------------------------------- 1223 D67. Do you or anyone in your family here) rent out any portion of this (house or lot/apartment/mobile home/building) to others? (ASKED OF RS WHO DO NOT LIVE ON FARM/RANCH) 1. YES 5. NO 0. Inap. (Not homeowner, lives on farm or ranch) 1224 D67.1 How much rent do you collect each month? Code actual amount -1. NONE 0. Inap. (Not homeowner, lives on farm or ranch, no rent) 1225 D67.1 PER 2. Week 4. Month 5. Quarter 6. Year -7. Other 0. Inap. (Not homeowner, lives on farm or ranch, no rent) ----------------------------------------------------------------------------- LAND CONTRACTS AND NOTES FOR REAL ESTATE SALES ----------------------------------------------------------------------------- 1401 E1. Have you (or anyone in your family living here) ever sold real estate for which you loaned money to the buyer? Please include accepting a note, land contract or mortgage from the buyer. (IF YES, SAY: We do not want to include any property owned by a business which you own or have an interest in.) 1. YES 5. NO 1402 E2. Does the buyer still owe (you/your family) money on any of these notes, land contracts, or mortgages? 1. YES 5. NO 0. Inap. (Never sold real estate) 1403 E2.1 Altogether, on how many such loans (are you/is your family) owed money? Code # NOTES/LAND CONTRACTS/MORTGAGES 95. 95 or more 0. Inap. (Never sold real estate, no money still owed) LOAN/LAND CONTRACT 1404 E3. (About the [largest/next] loan ...) Is it a land 1504 contract, a mortgage, or something else? 1604 1. LAND CONTRACT 2. MORTGAGE 3. SOMETHING ELSE 0. Inap. (Never sold real estate, no money still owed, no other loan) 1405 E4. How much are you (and your family) owed on this note? 1505 1605 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is mortgage) 1406 E5. In what month and year was this (mortgage/land contract) 1506 taken out?--MONTH 1606 Code MONTH 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1407 E5. In what month and year was this (mortgage/land contract) 1507 taken out?--YEAR 1607 Code YEAR 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1408 E6. How much did (you/your family) lend the borrower? 1508 1608 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1409 E7. How much is still owed on this (mortgage/land contract)? 1509 1609 Code actual amount 0. Inap. (Never sold real estate, no money still owed, no other loan, type of loan is note) 1410 E8. How much are the (mortgage/land contract) payments and how 1510 often are they due? 1610 Code actual amount -1. NO R